Best Dining Rewards Cards Compared
If you eat out regularly, the right credit card can earn you hundreds of dollars in rewards each year. Here are the top cards for restaurant spending, from no-fee options to premium picks.
| Feature | Amex Gold Card American Express | Capital One SavorOne Capital One |
|---|---|---|
| Annual Fee | $250 | $0 |
| APR | 21.49% - 29.49% | 19.99% - 29.99% |
| Sign-Up Bonus | 60,000 points after $6,000 spend in 6 months | $200 after $500 spend in 3 months |
| Base Rewards | 1x on all purchases | 1% on all purchases |
| Top Categories | 4x restaurants worldwide, 4x supermarkets, 3x flights | 3% dining, 3% entertainment, 3% streaming, 3% groceries |
| Foreign Tx Fee | $0 | $0 |
| Credit Needed | Good - Excellent (700+) | Good (670+) |
Pros & Cons
Amex Gold Card
Pros
- +4x at restaurants worldwide
- +$120 dining credit
- +$120 Uber Cash
- +No foreign transaction fees
Cons
- -$250 annual fee
- -Supermarket cap at $25k
- -Amex not accepted everywhere
Capital One SavorOne
Pros
- +No annual fee
- +3% dining, entertainment, groceries
- +No foreign transaction fees
- +Broad category coverage
Cons
- -Only 1% base rate
- -Lower earning than Amex Gold
- -No transfer partners
Our Recommendation
The Amex Gold dominates dining rewards with 4x at restaurants. For a no-fee option, the Chase Freedom Unlimited at 3% dining is hard to beat.