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What an interesting time! I hope everyone is being safe out there. Restaurants are basically closed, but some are still delivering. So if you’re getting food delivered more regularly because of the coronavirus this post will is about the best credit cards for earning dining rewards.

If your dining credit card only earns one point at restaurants, you may want to look at other options. Many of the best restaurant and dining credit cards offer bonus points that help you get more rewards in return. Since dining is part of our everyday expenses, getting bonus points on restaurant purchases is an easy way to maximize your travel credit card points. Here is a list of the best credit cards for dining and restaurants 2020.

best credit cards for dining and restaurants
Best credit cards for dining and restaurants 2020

Best Credit Cards for Restaurants and Dining 2020

Chase Sapphire Preferred – 2x on Dining and Restaurants Purchases

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

This is a solid dining 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.

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 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 15+ 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.

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 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 cashback card for dining and restaurant purchases.

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. Cardholders earn 4x points at restaurants worldwide and at US supermarkets (up to $25,000 annually in purchases, then 1x). They also have the ability to 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

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

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. 

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 worldwide, but still has the 1:1 transfer option and a travel redemption bonus.

American Express Green Card – 3x Points at Restaurants Worldwide

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 around the globe. It also earns 3x points per $1 spent on all eligible travel, including public transportation, airline tickets, tours, 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 offer 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. New cardholders can earn 30,000 bonus points after spending $2,000 on purchases within the first 3 months.

Learn more: Travel Rewards Credit Cards

Hilton Honors Credit Cards – at least 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 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.

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% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and
  • 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 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.

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

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 information for the Ink Business Cash℠ 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 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.

Citi / AAdvantage Platinum Select World Elite Mastercard

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 cardmembership year and renew your card.

IHG Rewards Club Premier Credit Card 

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:

  • 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)

There is also a limited-time sign-up bonus available. New cardholders can earn 140,000 points after spending $3,000 on purchases in the first 3 months of account opening.

Learn more: IHG® Rewards Club Premier Credit Card

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 7,000 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 Card cash back credit card gets 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.

Summary of the Best Credit Cards for Dining and Restaurants 2020

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! 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 2020

Johnny Jet Editorial

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.

4 Comments On "Best Credit Cards for Dining and Restaurants 2020"
  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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