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To the surprise of some, you don’t have to travel to earn travel rewards. A credit card that earns extra on dining purchases, including takeout and delivery, is one way to earn more points and miles. Whether you’re eating in a restaurant or are ordering food delivery more regularly, this post is about the best dining credit cards. These cards also have several redemption options as well. You might want to get free hotel nights, upgrades on travel, or simply prefer to earn cash back right now. Many of the cards on this list are also recommended for everyday spending.

Some of them are no annual fee credit cards as well. Since dining is part of our regular expenses, getting bonus rewards on restaurant purchases is an easy way to maximize your spending. Here is a list of the best credit cards for dining and restaurants 2021.

Use some of the best credit cards for restaurants and dining and enjoy lunch at Daikan Yashiki Restaurant, Japan.

Best Credit Cards for Restaurants and Dining 2021

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Check out this post if you’re looking for the best credit cards for food deliveries and eating at home.

American Express Gold Card: 4x Points at Restaurants and Up to $120 Annual Credit

The American Express® Gold Card earns unlimited 4x Membership Rewards® points on dining at restaurants (including delivery and takeout). Cardholders also earn 4x points at U.S. supermarkets (up to $25,000 annually, then 1x).

They also can earn up to $10 in monthly statement credits when using the Gold Card at Grubhub, Seamless, Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and select Shake Shack selections (enrollment is required).

American Express Gold Card cardholders also earn 3x points on flights booked directly with airlines or on amextravel.com.

You can learn more about how hard it is to get the Amex Gold here.

Uber Perks

American Express® Gold Card cardholders can also get up to $120 in Uber Cash annually. Plus, you’ll earn 4x Membership Rewards® points for each Uber Eats purchase on your card. To use this perk, simply add your card to your Uber account and you’ll automatically get $10 in Uber Cash each month in your Uber account for U.S. Uber Eats orders or U.S. Uber rides. Any unused Uber Cash expires at the end of each month (it does not roll over to the next month).

This can be one of the best credit cards to use for Uber Eats.

Cardholders also get up to 12 complimentary months of Eats Pass when you subscribe with your American Express Gold Card. That’s a value of up to $119 annually (based on the $9.99 monthly price over 12 months). With the Uber Eats Pass, you can get unlimited $0 Delivery Fees and 5% off orders over $15 at eligible restaurants. Note that taxes and service fees may apply and do not count toward the order minimum.

This benefit applies only in the U.S. on U.S. orders at eligible restaurants and on eligible restaurant purchases.

Enrollment is required by 12/31/2021. After that, the Uber Eats Pass will begin auto-billing 12 months after your enrollment in this offer, at the then-current monthly price. Learn more about the Uber Eats partnership for more information.

The annual fee is $250, and there are no foreign transaction fees (See Rates & Fees)

New American Express® Gold Card cardholders can earn 60,000 Membership Rewards points after spending $4,000 on eligible purchases within the first 6 months. Also, Rose Gold is back! Cardholders can choose between Gold or Rose Gold.

Terms apply.

Learn more: Johnny Jet Recommended Credit Cards

Chase Sapphire Preferred – 3x on Dining and Restaurants Purchases

The Chase Sapphire Preferred® Card earns 3x Ultimate Rewards points per $1 on all dining purchases worldwide. Additional Chase Sapphire Preferred benefits include unlimited deliveries with no delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with a DoorDash DashPass subscription. Activate your card by December 31, 2021.

Also, enjoy new Chase Sapphire benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards®, and 2x points on all other travel purchases, plus more.

Cardholders also earn 5x points on Lyft rides through March 2022. 

Additionally, cardholders can earn up to $60 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021.

Points are worth 25% more when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature.

The Chase Sapphire Preferred is a reliable credit card for dining for many reasons. 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 a 1:1 ratio instantly.

Enhanced Signup Bonus

The Chase Sapphire Preferred® Card currently has an offer of 60,000 Ultimate Rewards points after spending $4,000 in the first 3 months from account opening, worth $750 when you redeem through Chase Ultimate Rewards®.

Check to see if you are eligible for the Sapphire Preferred bonus.

It has a reasonable $95 annual fee, which makes this a good fit for most consumers.

Related: Credit Score Needed for the Chase Sapphire Preferred

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

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). 

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 several benefits, including up to $100 for an application fee credit for Global Entry or TSA PreCheck and the ability to transfer your miles to leading travel loyalty programs. 

It has a $95 annual fee but no foreign transaction fees. 

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

New Capital One Venture Rewards Credit Card cardholders can earn 60,000 miles after spending $3,000 on purchases in the first 3 months.

Learn more: Travel Rewards Credit Cards

Capital One SavorOne Cash Rewards Credit Card – Unlimited 3% Cash Back on Dining – No Annual Fee Dining Credit Card

The Capital One SavorOne Cash Rewards Credit Card earns unlimited rewards in the following categories:

  • 8% back on ticket purchases at Vivid Seats (through January 2023)
  • 3% back on dining, entertainment, Grocery stores (not eligible at superstores like Target and Walmart), and popular streaming services
  • 1% back on everything else

There are no foreign transaction or annual fees.

It’s not a bad option for frequent purchases. There are no rotating categories to select or activate nor limits to how much you can earn.

Learn more: Cash Back Credit Cards

American Express® Gold Card. Credit: American Express

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

The information related to Wells Fargo Propel American Express® Card has been collected by Johnny Jet and has not been reviewed or provided by the issuer or provider of this product or service.

The Wells Fargo Propel American Express® Card earns 3x on dining and has no annual fee.

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 bonus points. Note that you won’t earn points on food purchases from caterers, bakeries, or grocery stores.

This is also one of the best credit cards for family travel

Chase Sapphire Reserve – 3x Dining Rewards

The Chase Sapphire Reserve® earns 3x points on dining purchases and access to free DoorDash DashPass (as long as you activate before 12/31/2021). As a premium travel rewards card, you also get some luxurious travel benefits, including a $300 travel credit and airport lounge access.

Plus, earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.

Gas station and grocery store purchases will also count towards earning the annual $300 travel credit through Dec. 31, 2021.

Cardholders can also earn up to $120 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021.

This is also the complimentary DoorDash DashPass subscription that lets cardholders get unlimited deliveries with a $0 delivery fee and reduced service fees. They also earn up to $120 in statement credits on DoorDash purchases ($60 in statement credits through 2020 and another $60 in statement credits through 2021).

Additional Benefits

Sapphire Reserve cardholders earn 10x points on Lyft rides, including bikes and scooters. Complimentary Lyft Pink Membership is also available when activated by March 21, 2022.

Points are worth 50% more when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature.

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. 

New Chase Sapphire Reserve® cardmembers can earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $750 towards travel when redeemed through Chase Ultimate Rewards®. 

The Chase Sapphire Reserve is a premium cards with a $550 annual fee. But, the perks, like the $300 annual travel credit, can easily offset the annual fee. Learn more in our Chase Sapphire Reserve review.

American Express Green Card – 3x Points at Restaurants Worldwide (Including Takeout and Delivery)

The information for the American Express® Green Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The American Express® Green Card has been updated in the last few months with new perks for travelers. The American Express Green Card earns 3x Membership Rewards® points on restaurant purchases worldwide, including for takeout and delivery. It also earns 3x points per $1 spent on all eligible travel, including public transportation, airline tickets, and hotel nights. 

Additional travel perks include a statement credit of up to $100 annually for CLEAR membership that can be used to get through the TSA security lines more quickly. Membership can be used at select airports and stadiums across the United States. The Amex Green Card is one of the few to offer CLEAR benefits (many premium credit cards provide fee credits for Global Entry or TSA PreCheck only).

American Express Green Card cardholders can also earn up to $100 in statement credits annually for LoungeBuddy purchases. The annual fee is $150 (See Rates & Fees). Terms apply.

Chase Freedom Flex – 3% Cash Back on Dining

The Chase Freedom Flex℠ not only earns 3% back on dining at restaurants but it also earns other rewards on drugstores and travel. Cardholders earn:

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1% back)
  • 5% cash back on travel purchased through Chase Ultimate Rewards®
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 1% on all other purchases

New Chase Freedom Flex℠ cardholders can earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, they can earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

There is no annual fee, and rewards do not expire as long as your account is open. Read more about the benefits of this card in our in-depth Chase Freedom Flex Card review.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard

The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® is a no annual fee card that earns triple cash back on select purchases that are used often (See Rates & Fees). Cardholders can earn 3% cash back on select eligible purchases at gas stations, office supply stores, cell phone service providers, and restaurants. Cardholders earn 1% cash back on all other eligible net purchases.

New U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® cardholders can earn $500 in cash back after spending $4,500 on the Account Owner’s card in the first 150 days of account opening.

Additionally, cardholders can enjoy an annual $100 statement credit for recurring software subscription expenses. Such expenses include FreshBooks or QuickBooks.

There are no limits on how much total cash back can be earned. Additionally, rewards won’t expire. Learn more in our U.S. Bank Business Triple Cash Rewards World Elite Mastercard review

Hilton Honors Credit Cards – at least 5x Hilton Points

The information for The Hilton Honors American Express Aspire Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

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 

Terms apply.

Note that the Hilton Honors cards are some of the best hotel credit cards available, thanks to their exclusive perks and exciting bonuses. 

Learn more: Hotel Rewards Credit Cards

Costco Anywhere Visa Card by Citi – 3% Back on Dining

Costco shoppers might benefit from the Costco Anywhere Visa® Card by Citi. You will get 3% back on dining and travel rewards that can be redeemed for Costco cash rewards. Other purchase categories include:

  • 4% cash back on eligible gas for the first $7,000 per year and then 1% after that
  • 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

Cardholders receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses.

Uber Visa Credit Card – 3% Back on Dining; 5% Back on Uber Eats

The information for the Uber Visa Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Uber Visa Credit 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.

best credit cards for dining and restaurants
While earning rewards with the best credit cards for dining and restaurants, you can try all kinds of pizza varieties, like this one from Terroni Restaurant in Toronto. Photo by Johnny Jet

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 Credit Card

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 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.

Citi / AAdvantage Platinum Select World Elite Mastercard

The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Get 2x points at every restaurant with the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®. You will also earn double points for gas stations 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 during your card membership year and renew your card.

IHG Rewards Club Premier Credit Card

The IHG Rewards Club Premier Credit Card earns up to 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:

  • Reward Night after each account anniversary year at eligible IHG hotels worldwide
  • Enjoy a reward night when you redeem points for any stay of 4 or more nights.
  • IHG Platinum Elite status
  • TSA PreCheck or Global Entry application fee credit (up to $100)

New IHG® Rewards Club Premier Credit Card cardholders can earn 150,000 points after spending $3,000 on purchases in the first 3 months of account opening. There’s a $0 intro annual fee for the first year, then $89.

The World of 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, airline tickets purchased directly from the airlines, local transit, commuting services, and fitness club and gym memberships.

It arguably has the best free hotel night certificate that lets you stay at any Category 1-4 Hyatt property each year.

New card members can earn a signup bonus of up to 60,000 World of Hyatt bonus points. Earn the first 30,000 points by spending $3,000 on purchases in the first 3 months from account opening. Plus, earn up to 30,000 more bonus points with 2 bonus points per $1 spent on purchases that earn 1 bonus point, up to $15,000, in the first 6 months of account opening.

Additionally, cardholders can enjoy complimentary World of Hyatt Discoverist status for as long as their account is open.

Learn more: Hotel Rewards Credit Cards

Marriott Bonvoy Boundless Credit Card

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 up to 17x points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card. This card also comes with a free anniversary night certificate (up to 35,000 points) after each account anniversary.

For a limited time, new Marriott Bonvoy Boundless® Credit Card cardholders can earn 125,000 Bonus Points and 1 Free Night Award (value up to 50,000 points) after spending $5,000 on purchases in the first 3 months from account opening.

Learn more: Hotel Rewards Credit Cards

Citi Double Cash Card

If you prefer cash rewards to travel rewards, the Citi® Double Cash Card is a cash back credit card that earns 2% back on every purchase (earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases). 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.

You can read more in our in-depth Citi Double Cash review.

Delta SkyMiles Blue American Express Card

The Delta SkyMiles® Blue American Express Card also earns 2x miles on purchases at restaurants worldwide. This no annual fee card also has no foreign transaction fees (See Rates & Fees). Cardholders also earn 2x miles on Delta purchases and 1x mile on everything else.

Plus, they get a 20% savings in the form of a statement credit when using your card on eligible in-flight Delta purchases of food, beverages, and audio headsets. It is one of the best Delta cards available. 

Terms apply.

Learn more: Airline Credit Cards

Summary

In conclusion, there are various 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. Fortunately, choosing the best card is easier than deciding what to pick from the menu tonight! And don’t forget that you can earn even more rewards by adding your restaurant credit card to dining rewards programs.

Best Credit Cards for Restaurants and Dining 2021

Related Articles:

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

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

And for rates and fees of Delta SkyMiles® Blue American Express Card, please click here.

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  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
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The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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.

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4 Comments On "Best Credit Cards For Dining, Restaurants, Takeout, & More 2021"
  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.

  2. John|

    Why is there no mention of the Amex green that offers 3x dining worldwide ?

    1. Johnny Jet Editorial|

      Good catch. We’ll add a section on the Amex Green’s 3x on dining.

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