Dining out is a necessity, a convenience, and a luxury wrapped into one. It’s pretty great when someone else takes care of the cooking and cleaning up.

The average family spends nearly 6% of their monthly budget on food away from home, according to the U.S. Department of Agriculture For the average family’s annual income of $74,580, that’s $372.90 per month, or $4,474.80 per year on dining purchases. Whether you eat out once a year or once a day, you might as well earn some rewards for it.

If you use a credit card that earns rewards on everything you spend on dining or take out, that’s a fair amount of that money back in your pocket. But which cards are best for maximizing your rewards on dining, delivery, and takeout?

Best Credit Cards for Restaurants: Summary

Our recommendations for the best credit card for restaurants

The best credit cards for restaurants offer bonus points, restaurant credits, delivery memberships, and special offers for spending money at restaurants, take-out, and delivery.

Best for sign-up bonus: card_name

American Express® Business Gold Card

Credit score needed

credit_score_needed

Bonus rewards full

bonus_miles_full

The card_name offers a lot for dining purchases. The card earns 4x points in the top two earning categories, which may include dining purchases. The elevated sign-up bonus will make new cardholders bonus_miles_full – a generous way to start earning rewards.

Best for up to 5% cash back: Citi Custom Cash® Card

Citi Custom Cash® Card

Credit score

credit_score_needed

Welcome offer

bonus_miles_full

The Citi Custom Cash® Card earns 5% on your top eligible earning category. If you use the card primarily for dining purchases, you’ll be sure to earn the full 5% cash back. The card doesn’t charge an annual fee and even has a transfer APR of balance_transfer_intro_apr,balance_transfer_intro_duration.

Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

Learn more from our full review.

Best for food delivery: card_name

The Platinum Card® from American Express

Credit score

credit_score_needed

Welcome offer

bonus_miles_full

The card_name has a steep annual_fees annual fee, but it’s also packed with benefits—one of which is a generous $200 in Uber Cash. It comes as $15 credit each month, plus a $20 bonus in December for orders in the U.S.

This card also comes with a $200 hotel credit, $200 airline credit, $240 digital entertainment credit, $100 in statement credits for Saks Fifth Avenue, lounge access, $155 Walmart Plus credit, and many other benefits.

Best for fast food: card_name

Capital One® SavorOne® Cash Rewards Credit Card

Credit score

credit_score_needed

Welcome offer

bonus_miles_full

The cash back for restaurant purchases on the card_name is 3%. And, it’s unlimited. Whenever you need to eat on the go, it’s always earning rewards.

The card also earns 3% back on entertainment, grocery stores, and streaming services. There is a annual_fees annual fee and new cardholders bonus_miles_full.

Best for 3% dining rewards: Citi Premier® Card

Citi Premier® Card

Credit score

credit_score_needed

Welcome offer

bonus_miles_full

The Citi Premier® Card is a strong earner for a number of categories. The card earns 3x points on restaurants, gas, flights, supermarkets, and hotels. The annual fee is $95 and the card bonus_miles_full.

Best business card for dining: card_name

Ink Business Cash® Card

Credit score needed

credit_score_needed

Intro APR

intro_apr_rate,intro_apr_duration

The card_name is among the most powerful earners in the rewards credit card market. Its spending bonuses are generous, and its massive welcome bonus after meeting minimum spending requirements should be reason enough to at least try the card out for a year or two.

The card_name isn’t known for its dining bonus, but it still earns 2x points on all dining expenses. The big plus is that you can also earn 5% back at office supply stores on the first $25,000 spent. It doesn’t have an annual fee and you bonus_miles_full.

Best for travel rewards: card_name

American Express® Gold Card

Credit score

credit_score_needed

Welcome offer

bonus_miles_full

The card_name is an impressive rewards earner for travel and everyday purchases. It earns 4x points on restaurants, groceries, and flights, and 1x on all other purchases. The new member will bonus_miles_full. It also comes with $120 in dining credits, which can be used on purchases at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations.

Best for earning Chase Ultimate Rewards: card_name

Chase Sapphire Reserve® Card

Credit score needed

credit_score_needed

This card’s generous benefits and flexible [Chase Ultimate Rewards](https://time.com/personal-finance/article/chase-transfer-partners/) points make it an excellent deal for those who can use them. Users get a [Priority Pass Select](https://time.com/personal-finance/article/priority-pass/) airport lounge membership (retail value $469), a $300 annual travel credit that applies to travel purchases each year, 50% more value when redeeming their rewards for travel through Chase, a fee credit toward [Global Entry or TSA PreCheck membership](https://time.com/personal-finance/article/tsa-precheck-and-global-entry-guide/), and a generous suite of travel insurance benefits.

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

The card_name is one of the top rewards cards for its earning potential and valuable redemptions. With the card_name, cardholders earn 3x points on dining and delivery services, and 10x points when dining is purchased through the Chase Ultimate Rewards program. The DoorDash benefits include $0 deliveries and $5 in statement credit each month. Other benefits include a $300 annual travel credit, airport lounge access, statement credit for TSA PreCheck® or Global Entry, 10x points on Lyft rides and Peloton equipment, and free membership for Instacart for a year.

Best for rich perks for low fee: card_name

Chase Sapphire Preferred® Card

Credit score needed

credit_score_needed

This card offers many different options for points redemption, so it’s great for cardholders who want flexibility. If you travel or stay with any of the partner airlines or hotels, this can be a good way to take advantage of loyalty programs and redeem points directly for even more value.

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

The card_name (annual_fees annual fee) offers a rich rewards package for much less than the card_name (annual_fees). As far as dining purchases go, the card earns 3x points on dining, takeout, and delivery. It earns 5x points on travel purchased through Chase Ultimate Rewards, 3x points on online grocery purchases, 3x on select streaming services, and 2x points on all other travel purchases. It also delivers DoorDash benefits (though no statement credits).

Best for no annual fee: U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank Altitude® Go Visa Signature® Card

Welcome offer

20,000 point bonus by spending $1,000 in the first 90 days of account opening

The U.S. Bank Altitude® Go Visa Signature® Card offers 4x points on dining, takeout and restaurant delivery. In addition, the card earns 2x points on grocery purchases, streaming subscriptions, gas, and EV charging stations. There is no annual fee and you can earn a 20,000 point bonus by spending $1,000 in the first 90 days of account ownership.

Best Credit Cards for Restaurants Comparison Chart

Our Methodology

The best credit cards for restaurants were chosen for their elevated rewards earned on purchases made at restaurants, and for takeout and delivery. Other benefits, such as statement credits or free memberships, were also taken into account.

How to pick the best credit card for restaurants

When deciding on the best credit card for restaurants, look for the following perks:

Bonus points

Many cards offer bonus points in the dining category. Look for one that earns 3x points (or more) on dining, which you can find even on cards with no annual fee.

Statement credits

Some cards offer money back when you use a meal delivery service or eat at particular restaurants. Premium travel rewards cards like the Chase Sapphire Reserve or The Platinum Card from American Express have these kinds of offers.

Delivery memberships

You can get a lot of value out of a DashPass or a GrubHub membership when you have food delivered regularly. Such memberships are often included with certain credit cards.

Redemptions you’ll use

You don’t want to earn rewards that can’t be redeemed for something cool. A good rewards card also needs to have the redemption side dialed in.

TIME Stamp: Not all dining rewards cards are created equal

Many cards offer rewards for eating at your favorite restaurant, but they’re not all created equal. Some credit cards have better earning rates and redemption options. Others may also offer statement credits, discounts, and other promotions for restaurant purchases.

With all the rewards available, it makes sense to pick a card (or two) that can earn a lot of rewards. Be sure that the bonus categories are a good match for your spending habits and the annual fee lines up with how many rewards you can earn.

Frequently asked questions (FAQs)

Which credit card gives you the most points for dining?

The Citi Custom Cash allows customers to earn 5% cash-back earnings in two categories, including the dining category.

Which Amex card is best for restaurants?

As far as earning rewards, the Amex Gold earns 4x points on dining purchases worldwide and 4x points on delivery and takeout at U.S. restaurants. This is one of the best rates for an Amex card.

Is Chase Sapphire Preferred good for dining?

The Chase Sapphire Preferred earns 3x points on all dining purchases, which is a great rate for earning rewards.

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