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Do you go out to eat frequently? If your rewards credit card only earns one point on dining rewards, you may want to look at other options. Many credit cards offer bonus points for dining that help you get more rewards in return.

Since food is part of our everyday expenses, getting bonus points on restaurant purchases is an easy way to maximize your travel credit card benefits. Here is a list of the best credit cards for dining and restaurants 2019.

best credit cards for dining and restaurants
best credit cards for dining and restaurants

Best Credit Cards for Restaurants and Dining 2019

Chase Sapphire Preferred – 2x on Dining and Restaurants

The Chase Sapphire Preferred® earns 2x Ultimate Rewards points per $1 on all dining purchases.

This is a solid credit card for dining for many reasons. First, you have flexible redemption options where each point can always be worth at least 25% more when redeeming them through the Chase online travel portal, and you can transfer your points out to many travel partners at 1:1 ratio instantly. Second, the 60,000 point signup bonus is worth at least $750 in award travel, or $600 in cash. Third, it has a reasonable $95 annual fee which makes this a good fit for most consumers.

Learn more: Chase Sapphire Preferred®

Capital One Venture Rewards Credit Card – Best Credit Card for Dining

Most of the best credit cards for travel rewards offer tiered rewards categories. That’s how dining rewards earn more points with some cards than others. Capital One® Venture® Rewards Credit Card is a flat-rate travel reward credit card that earns 2x miles on every purchase (including dining), but Hotels.com/venture purchases get a 10x bonus. Your miles can be redeemed for travel purchases or used to book future travel with the Capital One miles travel portal.

The Capital One Venture Rewards comes with a number of benefits including a $100 application fee credit for Global Entry or TSA PreCheck and the ability to transfer your miles to over 10+ leading travel loyalty programs.

Tip: The Chase Sapphire Preferred vs Capital One Venture Rewards are often referred to as the top travel credit cards that you could own. See our comparison of the two.

Learn more: Capital One® Venture® Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card – Unlimited 3% Cash Back on Dining

The Capital One® SavorOne® Cash Rewards Credit Card earns an unlimited 3% dining rewards and 2% back on grocery purchases. You won’t pay a foreign transaction fee or annual fee either. It’s not a bad option for items that are frequently purchased. This is a no annual fee cash back card for dining and restaurant purchases.

Learn more: Capital One® SavorOne® Cash Rewards Credit Card

American Express Gold Card: 4x Points and a $120 Annual Credit

The American Express® Gold Card is the rebranded Premier Rewards Gold Card from American Express. It does come with a hefty $250 annual fee but it does earn 4x points on dining and a possible $120 credit.

Learn more about the American Express® Gold Card: Rewards Credit Cards

In addition to the 4x Membership Rewards® points on dining purchases worldwide, you also earn bonus points on these card purchases:

  • 3X Membership Rewards® points on airfare purchased directly from airline or AmexTravel.com
  • 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
  • 1X Membership Rewards® points on everything else

You can earn up to 4 Membership Rewards® points per $1 on dining and supermarket purchases with the American Express® Gold Card. Note, that it only applies to supermarkets in the U.S. (restaurants worldwide should still earn the 4x points per $1). Non-U.S. dining and grocery purchases always earn 1 point per $1.

This bonus applies to the first $25,000 in spending for U.S. supermarket purchases. Once you reach the spending cap, all remaining purchases earn 1 point per $1 until your next card anniversary.

$120 Dining Credit

The $120 dining credit is brand new to the American Express Gold. Each month, you get a $10 statement credit when you eat at one of these brands (enrollment required):

  • GrubHub
  • Seamless
  • The Cheesecake Factory
  • Ruth’s Chris Steakhouse
  • Boxed
  • Shake Shack (participating locations only)

GrubHub offers the most flexibility because they partner with many restaurants. Plus, you get your meal delivered to your front door.

If you can use one of these five dining partners each month, the Amex Gold can be a good deal.

Learn more about the American Express® Gold Card: Rewards Credit Cards

Wells Fargo Propel American Express Card – No Annual Fee and 3x on Dining

The Wells Fargo Propel American Express® Card earns 3x on dining, has no annual fee, and comes with a 30,000 point sign-up bonus.

Wells Fargo considers eligible 3x dining points when you either eat at a restaurant or order in. As long as the purchase is made from select restaurants, you will earn the bonus points. Note that you won’t earn points on food purchases from caterers, bakeries, or grocery stores.

Learn more about the Wells Fargo Propel American Express® Card: No Annual Fee Credit Cards (click and scroll down)

Chase Sapphire Reserve – 3x Dining Rewards

The Chase Sapphire Reserve® earns 3x points on dining purchases. You can also earn 3X points on travel immediately after earning your $300 travel credit. As a premium travel rewards card, you also get some luxurious travel benefits including a $300 travel credit and airport lounge access. If triple bonus point isn’t enough, your rewards points are usually worth more than with the Sapphire Reserve.

Most credit card rewards points are only worth 1 cent each. With the Sapphire Reserve, your points are worth 1.5 cents each when redeemed for travel. You can also transfer them directly to your airline or hotel loyalty account where they can be worth 2 cents each! If you’re keeping track of the math, that’s double the average redemption value. Some of the Chase Sapphire transfer partners include Southwest Airlines, United Airlines, and Hyatt. Learn more in our Chase Sapphire Reserve review.

Bonus Recommendation: If you don’t need the premium travel benefits, you can also get the Chase Sapphire Preferred. It only earns 2 points on dining, but still has the 1:1 transfer option and a travel redemption bonus.

The Best Credit Cards for Dining and Restaurants: 5x Hilton Points

Co-brand travel rewards cards tend to offer the best dining rewards. The one tradeoff is that you can only redeem your points for award travel with that particular airline or hotel. For dining rewards, the Hilton credit cards have some of the most robust rewards at U.S. restaurants:

  • 5x points: Hilton Honors American Express Card
  • 6x points: Hilton Honors American Express Surpass® Card
  • 7x points: Hilton Honors American Express Aspire Card

The Best Credit Cards for Dining and Restaurants: 3x Points

Most credit cards earn 2x points on dining purchase, but some rewards cards offer a little more value. Here are the best credit cards for dining and restaurants that earn 3x points.

Uber Visa Credit Card

The Uber Visa Card earns 3% dining rewards on the following:

  • Restaurants
  • Takeout
  • Bars

You also get 3% back on hotels and airfare and 1% back for everything else. However, if you use Uber Eats, you’ll be happy to know that you’ll earn 5% back on your purchases. You also earn 5% back on Uber rides and JUMP.

Your points are worth one cent each and can be redeemed for Uber rides, cash back, and gift cards.

Tip: Get an extra $200 in Uber credit and 5x back on airline purchases with The Platinum Card® from American Express.

Costco Anywhere Visa

Costco shoppers might benefit from the Costco Anywhere Visa. You will get 3% back on dining and travel rewards that can be redeemed for Costco cash rewards. Other purchase categories can earn either 4% or 2% back as well.

Fine dining at Diplomat Prime
Best Dining Credit Cards Fine dining at Diplomat Prime

The Best Credit Cards for Dining and Restaurants: 2x Points

Most credit cards with bonus dining rewards offer 2 points per $1 spent. Here are a few of the best credit cards for dining and restaurants that earn 2x points.

Chase Ink Business Cash

The Ink Business Cash℠ Credit Card earns 2% back on the first $25,000 in combined spending for restaurants and gas stations on each account anniversary year. It also earns 5% back at office supply stores and the internet, phone, and cable purchases each account anniversary year. All non-bonus purchases earn 1% back with no limit to the amount that can be earned. Your rewards points are worth 1 cent each for cash or travel rewards, but you might consider a Chase credit card combination to make your Ink Business Cash rewards points worth more for award travel.

United Explorer Card

For a long time, airline rewards cards only paid one point on dining purchases. That’s started to change as the competition continues to heat up! The United Explorer Card now earns 2x points on dining and hotel stays. You can also get a 25% back on United in-flight food and beverage purchases.

American Airlines Citi/AAdvantage Platinum Select

Get 2x points at every restaurant with the Citi/AAdvantage Platinum Select. You will also earn double points for gas station and American Airlines purchases. In-flight food and beverages on AA planes are eligible for a 25% statement credit. Another new benefit is getting a $100 American Airlines flight credit when you spend at least $20,00 in total card purchases each year.

IHG Rewards Club Premier Credit Card (EXPIRED)

The IHG® Rewards Club Premier Credit Card earns 25x points total at IHG® Hotels & Resorts worldwide. Additionally, cardholders earn 2x points at gas stations, grocery stores, and restaurants and 1x point per $1 spent on all other purchases. Additional IHG travel benefits include:

  • Free anniversary hotel night certificate
  • Fourth night free on 4+ night reward stays
  • IHG Platinum Elite status
  • TSA Precheck/Global Entry application fee reimbursement

Hyatt Credit Card

The World Of Hyatt Credit Card earns 9x points total on Hyatt purchases (4x points per $1 when you use your card at Hyatt hotels & 5x points per $1 you can earn as a World of Hyatt member). You also earn 2x points on restaurants, airlines tickets purchased directly from the airlines, local transit, commuting services, and on fitness club and gym memberships. It arguably has the best free hotel night certificate too that lets you stay at any Category 1-4 Hyatt property each year. Learn more: Hotel Credit Cards

Marriott Bonvoy Boundless

The Marriott Bonvoy Boundless™ Credit Card doesn’t have a bonus dining category, but it earns 2x points per $1 spent on all non-Marriott purchases. Cardholders can earn 6x points per dollar spent at over 6,900 participating Marriott Bonvoy hotels. This card also comes with a free anniversary night certificate (up to 35,000 points) after each account anniversary. Learn more: Hotel Credit Cards

Citi Double Cash

If you prefer cash rewards to travel rewards, the Citi Double cash back credit card gets 2% back on every purchase. You can redeem your rewards for cash statement credits. Citi will even pay your first late fee in case you forget to make a payment. That’s a nice perk that comes with this dining rewards credit card.

Summary of the Best Credit Cards for Dining and Restaurants 2019

As you can see, there is a variety of options available when it comes to the best credit cards for dining and restaurants. It doesn’t matter if you prefer travel rewards or cash rewards, you have many options to earn bonus dining rewards. Thankfully, choosing the best card is easier than deciding what to pick from the menu tonight!

Best Credit Cards for Restaurants and Dining 2019

Johnny Jet Editorial

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Best Credit Cards for Restaurants and Dining 2019
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2 Comments On "Best Credit Cards for Restaurants and Dining 2019"
  1. bebetter|

    This is such a crap article. You clearly have not done your research. You’ve left off multiple credit cards from big name suppliers with 0$ annual fee. I can’t believe this is the google snippet result.

    1. Johnny Jet Editorial|

      Sorry, you feel that way. We primarily focus on travel transferrable points, but there are 5 no annual fee dining credit cards mentioned: Capital One Savor, Uber Visa, Wells Fargo Propel, Costco, and Citi Double Cash.

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