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2020

The Best Credit Cards for Dining Out at Restaurants

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A good dining credit card can go a long way. You'll earn points or cash back every time you go out to eat, and when you get delivery too. If weekly dinners or business lunches are your thing, you should get something back — those credit card rewards can be free meals in your belly.

The Best Credit Cards for Dining Out at ...
Brendan Harkness

By Brendan Harkness

Our Selection Criteria

  • Great rewards at restaurants, of course: These cards offer excellent reward rates — either points or cash back — for dining purchases, typically including nice sit-downs, fast food, bars, cafes, and meal delivery services.
  • Redemption options that work for you: Maybe you just want to redeem for simple statement credits or bank deposits. Or maybe you want to squeeze every point for all its worth with transfers to travel partners. You’ll find both options below, covering cash back and travel rewards.
  • A solid introductory bonus: Many reward cards come with introductory offers that can provide a ton of first-year value on top of your regular points or cash back.
  • Reasonable annual fee: You don’t want to pay too much for your dining rewards card, but in many cases a card with an annual fee could be worth the cost. Just do the math.
Is a Dining Credit Card Right for You?
The Best Credit Cards for Dining Out at ...
Brendan Harkness

By Brendan Harkness

Is a Dining Credit Card Right for You?

How often do you dine out? Ever get FOMO when other people pull out their sweet restaurant credit cards, talking about all the points or cash back they’re earning?

Whether you’re sitting down at your favorite hideaway, pulling up for some fast food, or resorting to GrubHub, a good dining card is always handy. If this is a regular thing for you, it could be your best friend.

You’ll earn points or cash back you can use to put a dent in your regular expenses, or, if you save up for a bit, you could even book a flight or hotel for a nice vacation.

Pro Tip: Go out to eat with friends or family, and generously offer to pay for the meal — assuming they’ll reimburse you. You’ll earn a ton of credit card rewards, and people will even thank you for it (or give you a dirty look, if they were planning the same thing).

Our Selection Criteria
BEST PICK FOR

Premium Travel

Citi Prestige® Card

Citi Prestige® Card

Our rating
Min. credit level Good
Details
Annual Fee $495
Regular APR 17.99%–24.99% Variable
Apply Now

securely on the issuer's website

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.

Spending Rewards
  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar for every other purchase
Introductory Bonus Offer
  • 50,000 bonus points for spending $4,000 in the first 3 months after account opening
    • Value: $500–$1,000 (1–2 cents per point)
    • Return on spend: 12.5%–25%
  • 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 4th 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
HSBC Premier World Elite Mastercard® Credit Card

HSBC Premier World Elite Mastercard® Credit Card

  • 3X points per dollar on Travel
  • 2X points per dollar on Dining
  • 1X point per dollar for all other purchases
  • 50,000 bonus points for spending $4,000 in the first 3 months after account opening
  • No foreign transaction fee
  • Annual fee: $395
View card details
  • 5X ThankYou points on Air travel and Restaurants
  • 3X ThankYou points on Hotels and Cruise Lines
  • No limit to the amount of points you can earn
  • Rewards never expire
  • $250 travel credit
  • Complimentary 4th night free on eligible hotel stays, capped at twice per year
  • Complimentary Priority Pass Select membership
  • Global Entry or TSA Pre✓ Application Fee Credit
  • No foreign transaction fees
  • $495 annual fee

The information related to Citi Prestige® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Premium Travel (Point Transfers)

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Our rating
Min. credit level Excellent
Details
Annual Fee $550
Regular APR 16.99%-23.99% Variable

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.

Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides
  • 3X Ultimate Rewards points per dollar on:
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 50,000 bonus points for spending $4,000 in the first 3 months after account opening
    • Value: $500–$1,000 (1–2 cents per point)
    • Return on spend: 12.5%–25%
  • 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
  • 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
American Express® Gold Card

American Express® Gold Card

  • 4X Membership Rewards points per dollar spent at:
    • Restaurants
    • U.S. supermarkets (up to $25,000 spent annually)
  • 3X Membership Rewards points per dollar spent on Flights booked directly through airlines or Amex Travel
  • 1X Membership Rewards point per dollar spent on everything else
  • 35,000 bonus points for spending $4,000 in the first 3 months after account opening
  • No foreign transaction fee (Rates & Fees)
  • Annual fee: $250
  • Charge card: You must pay your balance in full each month.
View card details
BEST PICK FOR

Occasional Travel

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Our rating
Min. credit level Good
Details
Annual Fee $95
Regular APR 15.99% - 22.99% Variable

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.

Spending Rewards
  • 5X Ultimate Rewards points per dollar on Lyft rides
  • 2X Ultimate Rewards points per dollar on:
    • Travel
    • Dining
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 60,000 bonus points for spending $4,000 in the first 3 months after account opening
    • Value: $600–$1,200 (1–2 cents per point)
    • Return on spend: 15%–30%
  • 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
  • 15,000-point referral bonus: Get 15,000 points for every friend you refer who applies for the card and is approved, up to 75,000 bonus points per year.
  • 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
Citi Premier℠ Card

Citi Premier Card

  • 3X points per dollar for Travel, including gas stations
  • 2X points per dollar at:
    • Restaurants
    • Entertainment
  • 1X point per dollar for all other purchases
  • 60,000 bonus points for spending $4,000 in the first 3 months after account opening
  • No foreign transaction fee
  • Annual fee: $95
View card details
Bank of America® Premium Rewards® Credit Card

Bank of America® Premium Rewards® Credit Card

  • 2X points per dollar on:
    • Travel
    • Dining
  • 1.5X points per dollar on everything else
  • 50,000 bonus points for spending $3,000 in the first 90 days after account opening
  • No foreign transaction fee
  • Annual fee: $95
View card details
American Express® Green Card

American Express® Green Card

  • 3X points per dollar for
    • Travel
    • Restaurants
  • 1X point per dollar for all other purchases
  • 30,000 bonus points for spending $2,000 in the first 3 months after account opening
  • No foreign transaction fee
  • Annual fee: $150
View card details
2 3
BEST PICK FOR

Going Out or Eating In

American Express® Gold Card

American Express® Gold Card

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $250
Regular APR N/A
Apply Now

securely on the issuer's website

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; 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?).

Spending Rewards
  • 4X Membership Rewards points per dollar at:
    • Restaurants
    • U.S. supermarkets (up to $25,000 spent annually)
  • 3X Membership Rewards points per dollar on:
    • Flights booked directly through airlines or American Express Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 35,000 bonus points for spending $4,000 in the first 3 months after account opening
    • Value: $350–$700 (1–2 cents per point)
    • Return on spend: 8.75%–17.5%
  • $100 annual airline fee credit: Use this to pay for incidental airline fees at an airline you select, like baggage fees and in-flight food and drinks. Does not apply to flight tickets.
  • $120 annual dining credit: Earn up to $10 in statement credits per month for purchases at eligible restaurants and food delivery services, like GrubHub, Seamless, Boxed, The Cheesecake Factory, and participating Shake Shack locations.
  • The Hotel Collection: Provides up to $100 in credits and room upgrades (when available) for every eligible hotel stay of two nights or more.
  • Point transfer: To a selection of airline and hotel partners, like JetBlue, Southwest Airlines, Marriott, and Choice Privileges.
  • Amex Offers: Find significant discounts at a changing selection of merchants and websites, like (at the time of publication) Dropbox, Blue Apron, Sling, and many more.
  • Complimentary ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
  • No foreign transaction fees
  • Annual fee: $250
Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

  • 8% cash back at Vivid Seats (until 5/2020)
  • 4% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery stores
  • 1% cash back for every other purchase
  • $300 cash bonus for spending $3,000 in the first 3 months
  • No foreign transaction fee
  • Annual fee: $0 intro for first year; $95 after that
View card details
Uber Credit Card

Uber Credit Card

  • 5% back in Uber Cash on Uber purchases (including Uber Eats)
  • 3% back in Uber Cash for:
    • Dining
    • Airfare
    • Hotels
    • Travel agencies
  • $100 in Uber Cash for spending $500 in the first 90 days after account opening
  • Annual fee: $0
View card details
  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

BEST PICK FOR

Nights Out on the Town

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

Our rating
Min. credit level Good
Details
Annual Fee $0 intro for first year; $95 after that
Regular APR 15.99% - 24.99% Variable
Apply Now

securely on the issuer's website

Dinner, drinks, and a movie? One card to rule them all — the Capital One® Savor® Cash Rewards Credit Card (Review) gives you 4% cash back on all three. It even earns 8% back at Vivid Seats (a marketplace for concerts, sports, and theater) until May 2020, so there’s no excuse for being bored.

You will have an annual fee to pay after the first year, however. If you won’t use the card enough to make it worth the cost consider the less rewarding but annual-fee-free version, the Capital One® SavorOne® Cash Rewards Credit Card (Review).

Spending Rewards
  • 8% cash back at Vivid Seats (until 5/2020)
  • 4% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery stores
  • 1% cash back for every other purchase
Introductory Bonus Offer
  • $300 cash back for spending $3,000 in the first 3 months after account opening
    • Return on spend: 10%
  • 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: $0 intro for first year; $95 after that
Citi Premier℠ Card

Citi Premier Card

  • 3X points per dollar for Travel, including gas stations
  • 2X points per dollar for:
    • Restaurants
    • Entertainment
  • 1X point per dollar for all other purchases
  • 60,000 bonus points for spending $4,000 in the first 3 months after account opening
  • Annual fee: $95
View card details

The information related to Capital One® Savor® Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

No Annual Fee

Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 13.99%-25.99% Variable

No annual fee? No problem. The Wells Fargo Propel American Express® card (Review) is unassuming but it packs a punch. It features four bonus categories to earn 3X points 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.

Spending Rewards
  • 3X points per dollar spent on:
    • Dining
    • Gas
    • Travel
    • Streaming services
  • 1X point per dollar spent on all other purchases
Introductory Bonus Offer
  • 20,000 bonus points for spending $1,000 in the first 3 months
    • Value: $200
    • Return on spend: 20%
  • Entertainment Access: Get special offers and access to presale tickets for big events.
  • Free Credit Score: Check your FICO Score 9 for free whenever you’d like, based on your Experian credit report.
  • Cell Phone Protection: Pay your cell phone bill with this card to get coverage against damage and theft, up to $600 with a $25 deductible.
  • Shopping and travel protections: Including Purchase Protection, Extended Warranties, Worldwide Inconvenience Insurance, and Travel Accident Insurance
  • Purchase and Balance Transfer APR: 0% Intro APR for 12 months, then 13.99%-25.99% Variable
  • No foreign transaction fee
  • Annual fee: $0
Capital One® SavorOne® Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card

  • 3% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery stores
  • 1% cash back for every other purchase
  • $150 cash bonus for spending $500 in the first 3 months
  • No foreign transaction fee
  • Annual fee: $0
View card details
Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

  • 3% cash back in your choice of one category every month:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • $200 cash bonus for spending $1,000 in the first 90 days
  • Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter
  • Purchase and Balance Transfer APR: 0% for 12 billing cycles, then 16.24%–26.24% Variable
  • Annual fee: $0
View card details
Uber Credit Card

Uber Credit Card

  • 5% back in Uber Cash on Uber purchases (including Uber Eats)
  • 3% back in Uber Cash for:
    • Dining
    • Airfare
    • Hotels
    • Travel agencies
  • $100 in Uber Cash for spending $500 in the first 90 days after account opening
  • Annual fee: $0
View card details
2 3
BEST PICK FOR

Hotel Rewards

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $95
Regular APR 15.74–24.74% Variable
Apply Now

securely on the issuer's website

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.

Spending Rewards
  • 12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 6X Hilton Honors Bonus points at:
    • U.S. restaurants
    • U.S. supermarkets
    • U.S. gas stations
  • 3X Hilton Honors Bonus points for all other purchases
Introductory Bonus Offer
  • 125,000 Bonus points for spending $2,000 in the first 3 months after account opening
    • Value: $500–$1,250 (0.4–1 cent per point)
    • Return on spend: 25%–62.5%
  • Complimentary Hilton Honors Gold status: Includes an 80% point bonus, room upgrades when available, complimentary breakfasts, and more
  • Limited 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
  • Complimentary ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
  • No foreign transaction fees (Rates & Fees)
  • Annual fee: $95
Hilton Honors Aspire Card

Hilton Honors Aspire Card

  • 14X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 7X Hilton Honors Bonus points per dollar on:
    • Flights booked directly with airlines or Amex Travel
    • Select car rental companies
    • U.S. restaurants
  • 3X Hilton Honors Bonus points per dollar on all other purchases
  • 150,000 bonus points for spending $4,000 in the first 3 months
  • Annual fee: $450
View card details
Hilton Honors American Express Card

Hilton Honors American Express Card

  • 7X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 5X Hilton Honors Bonus points at:
    • U.S. supermarkets
    • U.S. restaurants
    • U.S. gas stations
  • 75,000 bonus points for spending $1,000 in the first 3 months
  • Annual fee: $0 (Rates & Fees)
View card details
Marriott Bonvoy Brilliant™ American Express® Card

Marriott Bonvoy Brilliant™ American Express® Card

  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
  • 3X Marriott Bonvoy points per dollar for:
    • Flights booked directly from airlines
    • U.S. restaurants
  • 2X Marriott Bonvoy points per dollar for all other purchases
  • 75,000 bonus points for spending $3,000 in the first 3 months after account opening
  • Annual fee: $450
View card details
The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

  • 12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 6X Hilton Honors Bonus points per dollar for:
    • U.S. gas stations
    • U.S. restaurants
    • U.S. wireless telephone services
    • U.S. shipping
    • Select car rental agencies,
    • Flights booked directly with airlines or through Amex Travel
  • 125,000 bonus points for spending $3,000 in the first 3 months
  • Annual fee: $95 (Rates & Fees)
View card details
2 4
  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

BEST PICK FOR

Bad Credit

Discover it® Secured

Discover it® Secured

Our rating
Min. credit level Bad
Details
Annual Fee $0
Regular APR See Terms

With bad credit comes fewer opportunities. But that doesn’t mean you have to scrape the bottom of the barrel.

Where many secured credit cards don’t come with any rewards at all, the Discover it® Secured (Review) has a solid 2% category for restaurants as well as gas stations. It’s limited to $1,000 in combined spending per quarter, but that’s still top notch for a secured card.

Not only that, your first-year rewards are all doubled — so you can get a 4% cash back equivalent on dining and gas in the first year, with 2% back for everything else in the first year after the Cashback Match.

Spending Rewards
  • 2% cash back on up to $1,000 spent per quarter at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • Cashback Match: New cardmembers get double cash back in the first year (awarded after the first year)
  • 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

The information related to Discover it® Secured has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Small Business Owners

American Express® Business Gold Card

American Express® Business Gold Card

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $295
Regular APR 14.24–22.24% Variable
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Small business owners have a few choices when it comes to restaurant cards — the right card for you really depends on what you need it for. Spending a lot of time on planes and in hotels? Or is it more for trips to the office supply shop? What about internet and phone services, or Amazon purchases?

The American Express® Business Gold Card (Review) is flexible, automatically providing 4X points in the two categories you spend the most in each month, out of six. And yup, one of those is U.S. restaurants.

So you’ll only earn 4X points at U.S. restaurants if it’s one of your top two spending categories for the month — and if that’s true, you’ll probably be earning a lot of points. But otherwise you’d only earn 1X point, and if that’s the case we suggest checking out the runners up.

Spending Rewards
  • 4X Membership Rewards points per dollar in the two categories you spend the most in each month, up to $150,000 spent per year:
    • Airfare purchased directly from airlines
    • U.S. advertising in select media
    • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
    • U.S. shipping
    • U.S. gas stations
    • U.S. restaurants
  • 2X Membership Rewards points per dollar on eligible travel expenses booked through Amex Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 35,000 bonus points for spending $5,000 in the first 3 months
    • Value: $350–$700 (1–2 cents per point)
    • Return on spend: 7%–14%
  • 25% airline bonus: Get 25% of your points back when booking eligible airfare through Amex 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
  • No foreign transaction fee (Rates & Fees)
  • Annual fee: $295
  • Employee cards: Get up to 99 employee cards; the first card costs $50 per year, and all subsequent cards are free
Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

  • 3% cash back in your choice of one category every month:
    • Gas
    • Travel
    • Office supply stores
    • TV/telecom & wireless services
    • Computer services
    • Business consulting services
  • 2% cash back at Restaurants
  • $300 cash bonus for spending $3,000 in the first 90 days
  • Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter
  • Purchase APR: 0% for 9 billing cycles, then 13.74% - 23.74% Variable APR
  • Annual fee: $0.00
View card details
Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

  • 5% cash back on Lyft rides
  • 5% cash back on up to $25,000 spent per year at:
    • Office supply stores
    • Internet, cable, and phone services
  • 2% cash back on up to $25,000 spent per year at:
    • Gas stations
    • Restaurants
  • $500 cash back for spending $3,000 in the first 3 months
  • Annual fee: $0
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Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

  • 2% cash back on every purchase
  • $500 cash bonus for spending $4,500 in the first 3 months
  • No foreign transaction fee
  • Annual fee: $0 intro for first year; $95 after that
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Marriott Bonvoy Business™ Credit Card

Marriott Bonvoy Business™ Credit Card

  • 17X points at Marriott Bonvoy properties
    • 6X points from the card
    • 11X Base points for Marriott Bonvoy Silver Elite status
  • 4X points at:
    • U.S. restaurants
    • U.S. gas stations
    • U.S. wireless telephone providers
  • 75,000 bonus points for spending $3,000 in the first 3 months
  • No foreign transaction fee
  • Annual fee: $125 (Rates & Fees)
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The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

  • 12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 6X Hilton Honors Bonus points per dollar at:
    • U.S. gas stations
    • U.S. restaurants
    • U.S. wireless telephone services
    • U.S. shipping
    • Select car rental agencies
    • Flights booked directly with airlines or through Amex Travel
  • 125,000 bonus points for spending $3,000 in the first 3 months
  • No foreign transaction fee
  • Annual fee: $95
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Amazon Business Prime American Express Card

Amazon Business Prime American Express Card

  • 5% cash back at:
    • Amazon.com
    • Amazon Business
    • Amazon Web Services (AWS)
    • Whole Foods Market
  • 2% cash back at:
    • U.S. restaurants
    • U.S. gas stations
    • U.S. wireless telephone services
  • $125 Amazon.com gift card upon account approval
  • $100 statement credit for spending $3,000 in the 2% and 1% categories in the first 3 months
  • No foreign transaction fee
  • Annual fee: $0
View card details
2 6
  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

BEST PICK FOR

Students

Bank of America Cash Rewards™ Credit Card for Students

Bank of America Cash Rewards™ Credit Card for Students

Our rating
Min. credit level Limited Credit History
Details
Annual Fee $0
Regular APR 16.24%–26.24% Variable
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As a student with limited credit you likely don’t have a ton of options — but some of those options are pretty good. The Bank of America Cash Rewards™ Credit Card for Students (Review) is pretty rewarding, letting you pick your own 3% cash back category each month. Of course, restaurants are one category.

It’s a pretty good student credit card all around, with a one-time signup bonus, an intro APR, and an opportunity to earn bonus rewards.

Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • Spending limit: 3% and 2% rewards only up to $2,500 per quarter
Introductory Bonus Offer
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
    • Return on spend: 20%
  • Bank of America Preferred Rewards: Eligible bank account holders get a 25%–75% bonus on rewards earned, depending on how much money is held in BofA and Merrill Lynch bank accounts.
  • Free credit score: Check your FICO Score 8 for free, based on your TransUnion credit report.
  • Visa Platinum or Signature benefits: Depending on creditworthiness
  • Purchase and Balance Transfer APR: 0% for 12 months, then 16.24%–26.24% Variable
  • Annual fee: $0
Discover it® Student Cash Back

Discover it® Student Cash Back

  • 5% cash back on the first $1,500 spent per quarter in categories that rotate throughout the year
  • 1% cash back on all other purchases
  • Cashback Match: New cardmembers get double the cash back earned in the first year (awarded at the end of the first year)
  • No foreign transaction fee
  • Annual fee: $0
View card details
Discover it® Student chrome

Discover it® Student chrome

  • 2% cash back on the first $1,000 spent per quarter at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
  • Cashback Match: New cardmembers get double the cash back earned in the first year (awarded at the end of the first year)
  • No foreign transaction fee
  • Annual fee: $0
View card details
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • New Offer: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
  • You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 16.24%–26.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% – 75%. Click “Apply Now” to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • No annual fee
BEST PICK FOR

Store Membership

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

Our rating
Min. credit level Excellent
Details
Annual Fee $0 (Costco membership required)
Regular APR 15.24% (Variable)
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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.

Spending Rewards
  • 4% cash back on eligible gas worldwide, including gas at Costco; up to $7,000 spent per year
  • 3% cash back for:
    • Restaurants
    • Travel (including Costco Travel)
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • 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 and Extended Warranties
  • Annual fee: $0 (Costco membership required, a minimum of $60 per year)
  • Open-loop card: You can use this card anywhere Visa is accepted.
Costco Anywhere Visa® Business Card by Citi

Costco Anywhere Visa® Business Card by Citi

  • 4% cash back on eligible gas worldwide, including gas at Costco; up to $7,000 spent per year
  • 3% cash back for:
    • Restaurants
    • Travel (including Costco Travel)
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • Annual fee: $0 (Costco membership required)
View card details
Sam’s Club® Mastercard®

Sam’s Club® Mastercard®

  • 5% cash back for gas in the U.S. and Puerto Rico, including gas at Sam’s Club (up to $6,000 spent per year)
  • 3% cash back for :
    • Dining
    • Travel
  • 1% cash back on all other purchases
  • Cap of $5,000 in cash back rewards per year
  • $45 statement credit for spending $45 at samsclub.com the same day you open your account online
  • Annual fee: $0 (Sam’s Club membership required)
View card details
BJ’s Perks Elite™ Mastercard

BJ’s Perks Elite™ Mastercard

  • 5% cash back at BJ’s and BJs.com
  • 2% cash back at:
    • Non-BJ’s gas stations
    • Restaurants
  • 1% cash back on all other purchases
  • Annual fee: $0 (BJ’s membership required)
View card details
2 3
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi’s discretion.

Citi is a Credit Card Insider advertiser.

For rates and fees of the American Express® Gold Card, please click here.

For rates and fees of The Hilton Honors American Express Business Card, please click here.

For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.

For rates and fees of the Hilton Honors American Express Card, please click here.

For rates and fees of the American Express® Green Card, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to Citi Prestige® Card, Capital One® Savor® Cash Rewards Credit Card, Discover it® Secured, Citi Premier Card, Capital One® SavorOne® Cash Rewards Credit Card, Hilton Honors Aspire Card, Marriott Bonvoy Brilliant™ American Express® Card, Capital One® Spark® Cash for Business, Amazon Business Prime American Express Card, Discover it® Student Cash Back, Discover it® Student chrome, and Costco Anywhere Visa® Business Card by Citi have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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