The Best Dining Credit Cards for Restaurants and Takeout

Most travel cards are focused on, well, travel, and dining seems like an afterthought. But the American Express® Gold Card (Review) didn’t pass on the opportunity to serve up a more complete dish.

You’ll earn more points on food than anything else with this card — at restaurants, along with U.S. supermarkets (the latter up to $25K spent annually). So any foodie will be ready to go out or take up the mantle of chef. There’s even a $120 dining credit each year (among other benefits, of course); the eligible restaurants are few in number, but some popular meal delivery services are included so it shouldn’t be too hard to use (how hard is ordering a calzone, really?).

• $120 annual dining credit: Earn up to $10 in statement credits per month for purchases at eligible restaurants and food delivery services.
• Point transfer: To airline and hotel loyalty programs, like JetBlue, Southwest, Marriott, and Hyatt
• Up to $120 in Uber Cash: Add the Gold Card to the Uber App to get up to $10 in Uber Cash per month; U.S. Eats orders and rides only.
• Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
• The Hotel Collection: Provides up to $100 in credits for every eligible hotel stay of two nights or more, along with other perks.
• Amex Offers: Find discounts and extra point opportunities at a changing selection of merchants (offers are limited; enrollment required).
• ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
• No foreign transaction fee
  
• Annual fee: $250

Enrollment required for select benefits; terms and limitations apply.

American Express® Gold Card (Rates & Fees)

• World Elite Mastercard Concierge: Call any time for non-emergency help with making reservations, finding hard-to-find gifts, and more.
• World Elite Mastercard benefits: Including Price Protection, Extended Warranty, MasterRental Insurance, Trip Cancellation/Interruption Insurance, and more
• CreditWise: Check your VantageScore 3.0 credit score for free, based on your TransUnion credit report, and see information from that report.
• No foreign transaction fee
• Annual fee: $95

For an inexpensive way to earn a lot of points at restaurants, it’d be hard to beat the U.S. Bank Altitude® Go Visa Signature® Card (Review) with 4X per dollar. Some other cards offer just as many points, or close to it, but they also come with an annual fee to pay.

In this case you can earn points for no cost whatsoever, as long as you avoid interest and other fees. Along with your restaurant rewards you’ll get 2X points in a number of useful categories, and 0% intro rates for purchases and balance transfers.

There’s even a $15 annual credit for streaming services, like Netflix — credits are rare finds on cards with no annual fees.

• $15 annual streaming services credit: Good for services like Netflix, Hulu, Spotify, YouTube TV, Apple Music, Amazon Music, and Pandora
• Purchase APR: 0%* for 12 billing cycles on purchases*, then 14.99% - 23.99%* Variable
  
• Balance Transfer APR: 0% for 12 Billing cycles, then 14.99% - 23.99%* Variable
• No foreign transaction fee
• Annual fee: $0*

No annual fee? No problem. The Capital One SavorOne Cash Rewards Credit Card (Review) is unassuming but it packs a punch. It features four bonus categories to earn 3% back in, a bit unusual for a card without a yearly fee (in a good way).

The appeal of this card is simple: If you like the reward categories, it could be a contender. Otherwise, check out the runners up.

• Premium Access with OpenTable: Get exclusive OpenTable reservations to hot restaurants, in a limited selection of cities.
• Mastercard Concierge (Mastercard World Elite only): Call any time to talk to a personal assistant, who can help you in all sorts of non-emergency tasks.
• Shopping and travel protections: Cell Phone Protection, Extended Warranty, Price Protection, MasterRental Coverage, Master RoadAssist Service
• Purchase APR: 0% for 15 months, then 14.99% - 24.99% Variable
• Balance Transfer APR: 0% for 15 months, then 14.99% - 24.99% Variable
• Balance Transfer fee: 3%
• No foreign transaction fee
• Annual fee: $0

The Citi Prestige® Card (Review) is great for eating out while traveling, with 5X points at restaurants — you won’t find deals like that too often, even on other premium cards.

The 5X rewards rate means this card could be a dining powerhouse: Transfer your ThankYou points to an airline partner and you could get upwards of 2 cents per point, which would give you a cash back equivalent of 10% or more.

Those points come with a fairly high annual fee, but if you’ll travel and use the card enough each year it shouldn’t be much of a problem. You’ll get a sizable travel credit, Priority Pass Select membership, and a unique hotel perk: Your fourth night is free when booking through ThankYou.com, up to twice per year.

• Point transfer: To a variety of frequent flyer programs, including Etihad Guest, JetBlue TrueBlue, and Virgin Atlantic Flying Club
• Annual $250 travel credit: Good for airline tickets, hotel rooms, car rentals, and other travel purchases
• Complimentary 4^th Night Stay: Get your fourth night free when booking four nights in a row through ThankYou.com and paying with your card, ThankYou points, or a combination of both. Capped at twice per year.
• Priority Pass Select membership: Access to over 1,000 Priority Pass airport lounges and restaurants around the world; the cardholder and two guests can enter for free, and additional guests cost $27 each
• Global Entry or TSA PreCheck application fee credit: A credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every five years
• Citi Prestige Concierge: Call for non-emergency help any time you need it.
• World Elite Car Rental Program: Elite memberships at Avis, Silvercar, and National
• No foreign transaction fee
• Annual fee: $495

The Chase Sapphire Reserve® (Review) gets a lot of praise, with features and perks travelers love.

They include 3X points on dining and some excellent point redemption and transfer opportunities, which can boost your effective earnings quite a bit. Combine that with the same good rate on travel (after using up the annual travel credit) plus airport lounge access and primary rental car insurance to help you get around, and you’ve got one of the best travel credit cards on the market.

• Point transfer: Transfer your points at a 1:1 rate to a variety of airline and hotel loyalty programs, like United, JetBlue, and Marriott.
• 50% point bonus: For redeeming for travel through Chase Ultimate Rewards
• $300 annual travel credit: A $300 travel credit every year that will be automatically applied toward a broad range of travel-related expenses charged to the card
• $120 Peloton credit: Enroll to get up to $120 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
• Complimentary Priority Pass Select membership: Provides access to over 1,000 airport lounges worldwide plus a selection of restaurants. The cardholder and two guests can enter for free; additional guests cost $27 each
• Luxury Hotel & Resort Collection: Provides complimentary services and benefits at participating hotels and resorts, including room upgrades, daily breakfast for two, and special gifts
• Global Entry or TSA PreCheck application fee credit: Get a statement credit to offset the cost of applying for Global Entry ($100) or TSA PreCheck ($85), once every four years.
• Elite Hotel Benefits at Relais & Châteaux: Accelerated progress towards Club 5C member status with Relais & Châteaux luxury hotel and resort properties
• Visa Infinite Concierge: Call for non-emergency help of all kinds, like making dinner reservations or finding good tickets to a show.
• Special car rental privileges: Rental upgrades, discounts, and promotional offers at Avis, Silvercar, and National Car Rental
• Lyft Pink membership: One free year of Lyft Pink, which includes 15% off rides, relaxed cancellations, surprise offers, and priority airport pickup
• DoorDash membership: A free membership (DashPass) for a year, which provides free delivery and reduced service fees on orders over $12
• $60 annual DoorDash credit: Get $60 in DoorDash credits in 2020, and $60 in credits in 2021.
• Shopping and Travel protections: Purchase Protection, a Primary Auto Rental Collision Damage Waiver, Trip Delay Reimbursement, and more
• No foreign transaction fee
• Annual fee: $550

If you’re not ready to spring for the Reserve, the Chase Sapphire Preferred® Card (Review) makes an excellent restaurant card for the occasional traveler.

You won’t get a lot of fancy perks, but you will get 2X points on dining and travel, plus a comprehensive selection of shopping and travel benefits. They’re not as flashy as big statement credits and lounge access, but they can be valuable in their own right, especially the primary auto rental insurance. And you’ll get some excellent point transfer opportunities too.

• Point transfer: Transfer points at a 1:1 rate to leading airline and hotel frequent travel programs, like Marriott Bonvoy or United MileagePlus.
• 25% point bonus: For redeeming for travel through Chase Ultimate Rewards
• 20,000-point referral bonus: Get 20,000 points for every friend you refer who applies for the card and is approved, up to 100,000 bonus points per year.
• $60 Peloton credit: Enroll to get up to $60 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
• DoorDash membership: A free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12
• Luxury Hotel Collection: Book eligible rooms to get perks like daily breakfast for two, complimentary WiFi, room upgrades, early check-in, late check-out, and unique gifts.
• Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase and Chase Offers marketplaces.
• Visa Signature Concierge: Call to speak with your Visa Signature Concierge, any time, day or night.
• Premium Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental vehicles so your premiums won’t go up after an accident.
• No foreign transaction fee
• Annual fee: $95

Hotel credit cards aren’t only good for hotels — they often have other bonus categories as well, although they’re not always very valuable. But some, like the Hilton Honors American Express Surpass® Card (Review), award quite a few points per dollar for dining (6X), in this case at U.S. restaurants only.

It’s true that hotel cards are usually best used at their co-branded hotels. But if you’re getting a good rate and will use those points to book rooms wisely, using hotel cards at restaurants can be a rewarding strategy.

• Hilton Honors Gold status: Includes an 80% point bonus, room upgrades when available, complimentary breakfasts, and more
• Priority Pass Select membership: 10 free visits to Priority Pass lounges per year; additional visits cost $32 per person
• Annual Weekend Night Award: For spending $15,000 in a calendar year
• ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
• Shopping and travel protections: Purchase Protection, Extended Warranty, Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Global Assist Hotline
• No foreign transaction fee
• Annual fee: $95, $0 first year

Enrollment required for select benefits; terms and limitations apply.

Hilton Honors American Express Surpass® Card (Rates & Fees)

• Free Credit Score: Check your FICO Score 8 for free, based on your TransUnion credit report.
• Security deposit: $200 to $2,500
• No foreign transaction fee
• Annual fee: $0

• 25% airline bonus: Get 25% of your points back when booking eligible airfare through American Express Travel using Membership Rewards Pay with Points.
• The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
• Point transfer: To a selection of airline and hotel partners
• Amex Offers: Access to extra point offers at a wide variety of merchants
• Shopping and travel protections: Baggage Insurance Plan, Trip Delay Insurance, Car Rental Loss and Damage Insurance, Global Assist Hotline, Extended Warranty, Purchase Protection
• No foreign transaction fee
  
• Annual fee: $295

Enrollment required for select benefits; terms and limitations apply.

American Express® Business Gold Card (Rates & Fees)

As a student with limited credit you likely don’t have a ton of options — but some of those options are pretty good. The Capital One SavorOne Student Cash Rewards Credit Card (Review) is pretty rewarding, with a nice selection of bonus categories most college students should find handy.

• Capital One Shopping: Install Capital One’s shopping extension to automatically apply coupon codes in your account to applicable online purchases.
• Concierge service: 24/7 access to a concierge for help with dinner reservations, travel recommendations, finding entertainment tickets, and more.
• Free credit scores with CreditWise: See your VantageScore 3.0 credit scores, based on your TransUnion and Experian credit reports, and monitor activity on those reports.
• Premier Culinary Experiences: Gain access to special dining events like intimate dinners, curated cuisines, and rare chef collaborations.
• Must-See Music Events: Get access to concert and festival tickets, as well as special VIP packages, cardholder lounges, and more.
• Big-Time Sports Events: Gain VIP access, discounts, on-site perks, and more at sporting events.
• Shopping and travel protections: Extended Warranty; Price Protection; MasterRental Coverage; Master RoadAssist Service; Travel Accident Insurance; Travel Assistance Services (benefits may vary by product; see your respective Guide to Benefits, as terms and exclusions apply)
• No foreign transaction fee
• Annual fee: $0

If you’ve got a wholesale club membership, you may have access to a decent restaurant credit card too. These cards require a membership but have no annual fee on top of that; they provide some decent rewards at their co-branded stores and elsewhere.

Costco members can check out the Costco Anywhere Visa^® Card by Citi (Review), which earns 3% cash back at restaurants (and 2% back on most Costco purchases). There’s a business version too.

Or, if Sam’s Club or BJ’s has your allegiance, check out their cash back cards in the runners up.

• Just pay with the Costco Visa: Your credit card will be counted as your membership card when making Costco purchases.
• Shopping Protections: Like Purchase Protection
• Annual fee: $0 (Costco membership required, a minimum of $60 per year)
• Open-loop card: You can use this card anywhere Visa is accepted.