You're leaving money on the table if you don't use one of the best credit cards for restaurants and takeout purchases.
This guide highlights the top credit cards for restaurants, takeout, and food delivery expenses. Our personal finance team evaluated dozens of cards by comparing earning rates, additional benefits and bonus categories, annual fees, and welcome offers to showcase the creme de la creme for dining rewards.
Here are the best credit cards for dining expenses.
Best Credit Cards for Restaurants and Dining of 2025
| Accolade | Card | Annual Fee |
| Best for groceries and restaurants | Capital One Savor Cash Rewards Credit Card | $0 |
| Best for cash back | U.S. Bank Altitude® Go Visa Signature® Card | $0 |
| Best for renters | Bilt Mastercard® | $0 (rates and fees) |
| Best for families | Chase Freedom Unlimited® | $0 |
| Best for single-card minimalists | Chase Sapphire Preferred® Card | $95 |
| Best for commuters | American Express® Green Card | $150 |
| Best for food delivery | American Express® Gold Card | $325 (rates and fees) |
| Best for VIPs | Chase Sapphire Reserve® | $550 |
Capital One Savor Cash Rewards Credit Card: Best Dining Credit Card for Groceries and Restaurants
Capital One's $0-annual-fee Savor Cash Rewards Credit Card is our top pick for bonus cash back on groceries and restaurants, which is why it's also featured in our guide to the best credit cards for groceries.
This card strikes a good balance: It earns 3% cash back on groceries, excluding superstores like Walmart and Target, and dining even though other picks on this list earn a higher return, and it's the best choice if you want to avoid an annual fee.
Capital One miles are very easy to use, which adds to this card's appeal.
Pro tip: If you're a student or new to credit, the starter version of this card may be a better fit for you. The Capital One Savor Student Cash Rewards Credit Card is one of the best credit cards for students for cash back on dining and groceries as well as select travel and entertainment purchases.
$0
0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)
19.24% - 29.24% Variable
Earn $200 cash back
Good to Excellent
- No annual fee
- Bonus cash back on dining, entertainment, and grocery store purchases
- Long intro APR period for purchases and balance transfers
- Other cards earn more cash back in certain bonus categories
- Not the highest sign-up bonus among cash-back cards
The Capital One Savor Cash Rewards Credit Card offers a good welcome bonus and excellent return rates that can earn you cash back on common expenses like dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment — plus there's no annual fee to worry about.
Savor Cash Rewards Credit Card- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
U.S. Bank Altitude® Go Visa Signature® Card: Best Dining Credit Card for Cash Back
The U.S. Bank Altitude® Go Visa Signature® Card earns 4% cash back on restaurants, takeout, and food delivery, making it ideal for people who believe cash is king. While these rewards are earned as points, they can be redeemed as cash back with one point converting to 1% cash back.
This high reward rate applies to the first $2,000 you spend on eligible food purchases each quarter. If you max out this benefit, you could earn $320 a year (4% of $8,000) — fantastic returns from a credit card with no annual fee.
Cardholders also earn 2 points per dolla (or 2% cash back) on streaming services, groceries, and gas or EV charging (excluding wholesale clubs and discount supercenters), and 1 point per dollar on other eligible purchases, which makes this card a good choice for everyday use.
Read our U.S. Bank Altitude Go Card review.
Bilt Mastercard®: Best Dining Credit Card for Renters
The Bilt Mastercard® is best known for allowing renters to pay rent by credit card each month without incurring a transaction fee.
But this no-annual-fee card also offers fantastic dining benefits (rates and fees). Cardholders earn 3 Bilt Points per dollar on dining. This rate doubles to 6 points per dollar on Bilt Rent Day, which falls on the first of every month (double earning is capped at 1,000 points total and does not apply to rent).
Business Insider values Bilt Points at up to 2.1 cents apiece, which means you could earn the equivalent value of up to 12.6% back on a Bilt Rent Day meal out. Bilt Points can be transferred to more than a dozen airline and hotel partners, including United Airlines and Hyatt Hotels.
However, the Bilt Mastercard® comes with one important catch: Cardholders must make at least five transactions per billing statement period to earn rewards. If you're a renter, for example, you'll need to make four additional purchases in addition to paying rent with this card to earn points on your transactions.
Pro tip: You don't need a Bilt Mastercard® to earn Bilt Points. The Bilt Dining program allows diners to link any credit or debit card to Bilt's dining network to earn 5 points per dollar spent at participating restaurants.
$0
N/A
See Terms
N/A
Good to Excellent
- Only credit card to offer rent payments to any landlord
- Excellent range of airline and hotel transfer partners through the Bilt App
- World Elite Mastercard benefits and no annual fee
- If you’re not a renter, other cards offer better welcome bonuses and rewards
- Must make 5 transactions per statement period to earn points
The Bilt Mastercard® is the first credit card to offer up to 100,000 points in a calendar year rewards for paying rent without the transaction fee — and you can redeem your points for travel, merchandise, and more. While it now offers bonus points on dining and select travel, if you're not a renter, you should consider other no-annual-fee rewards credit cards as well.
Bilt Mastercard®- $0 Annual Fee
- Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
- Earns 3x points on dining
- Earn 2x points on travel
- Earn 1x points on other purchases
- Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
- Use the card 5 times each statement period to earn points
- Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
- Point redemptions include airlines, hotels, future rent payments, statement credits, toward a down payment on a home, etc.
- Select "Apply Now" to learn more about the product features, terms, and conditions
Chase Freedom Unlimited®: Best Dining Credit Card for Families
The $0-annual-fee Chase Freedom Unlimited® is a powerhouse that earns 3% cash back on dining at restaurants (including takeout and food delivery) and drugstores — categories where families spend a significant portion of their monthly budget.
Cardholders also earn 5% cash back on travel booked through Chase Travel℠, and 1.5% per dollar on everything else.
Pro tip: Several Chase credit cards offer great dining rewards. There is a similar Chase card that earns 5% cash back on select bonus categories that change every quarter when activated. We compared the Chase Freedom Flex vs. Chase Freedom Unlimited in depth to help you decide which option is best for you: a little more work for greater rewards, or simplicity and flat-rate cash back.
$0
0% intro APR on purchases and balance transfers for the first 15 months
18.99% - 28.49% Variable
Limited Time Offer: Earn a $250 bonus
Good to Excellent
- Solid flat cash-back rate
- You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
- No annual fee
- Some other cards offer a higher rate of cash back on certain types of purchases
The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.
Chase Freedom Unlimited- Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Chase Sapphire Preferred® Card: Best Dining Credit Card for Single-Card Households
The $95-annual-fee Chase Sapphire Preferred® Card is ideal for minimalists who use a single credit card for all purchases.
The Chase Sapphire Preferred® Card is Business Insider's top-choice travel rewards credit card for great trip benefits and no foreign transaction fees, which makes it the perfect travel companion for international dining.
Chase Sapphire Preferred® Cardholders get complimentary DashPass membership for food delivery service DoorDash through December 31, 2027, which waives delivery fees and lowers service fees. You'll also get a $10 monthly promotional credit toward non-restaurant orders, which applies when you are enrolled in DashPass and use this card at checkout.
We recommend the Chase Sapphire Preferred® Card for travelers because it offers robust travel insurance on lost or delayed bags, canceled or disrupted travel, rental car coverage, and many other common issues that can cost you a lot of money when traveling. If you value credit card travel insurance but still want to earn bonus points on dining, this is the card to pack.
The Chase Sapphire Preferred® Card earns 5 points on travel purchased through Chase Travel℠, 3 points on dining, select streaming services and online groceries, 2 points on all other travel purchases, and 1 point on all other purchases. New cardholders can also earn a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
Points on your Chase Sapphire Preferred® Card are worth 1.25 cents apiece when you use them to book travel through the Chase portal. You can also transfer points to Chase's airline and hotel transfer partners, and combine rewards from other Chase cards like the Chase Freedom Flex® to boost your stash even more quickly.
$95
N/A
20.49% - 27.49% Variable
Earn 60,000 bonus points
Good to Excellent
- High intro bonus offer starts you off with lots of points
- Strong travel coverage
- Doesn't offer a Global Entry/TSA PreCheck application fee credit
If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
Sapphire Preferred Card- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
American Express® Green Card: Best Dining Credit Card for Commuters
The Amex Green Card is a "sibling" of the Amex Gold Card that also earns great rewards on dining and travel, but with a far more palatable annual fee of $150.
The Amex Green Card earns 3 Membership Rewards® Points at restaurants worldwide (including takeout and delivery in the U.S.), on transit, and travel, and 1 point on other purchases. This card really shines for commuters since costs like subways, ferries, trains, and rideshares all qualify as transit purchases.
Amex points are extremely valuable since you can apply them as a statement credit, redeem them for travel through the Amex travel portal, use them with Amex transfer partner airlines and hotels, or trade them in for gift cards, cash back, merchandise, and more. You can even combine rewards between Amex cards to quickly reach your next big redemption goal.
Read our American Express Green Card review.
American Express® Gold Card: Best Dining Credit Card for Food Delivery and Big Spenders
The Amex Gold Card is best for people who spend at least $400 a month on both groceries and restaurants, especially those who regularly order Uber Eats.
This card comes with a complimentary monthly credit of up to $10 in Uber Cash (up to $120 a year), which can be used for both Uber Eats and rideshares when activated by adding your card to your Uber account. Amex Gold Cardholders can also enroll to get up to $100 with Resy, up to $84 from Dunkin' (up to $7 per month), and up to $120 in dining purchases (up to $10 per month) from Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Terms apply.
You'll need to activate these benefits before you can use them. And some perks — like Uber Cash — have additional conditions and requirements for use. Terms apply.
Amex Gold Cardholders earn big rewards on all that food spend: 4 Amex points per dollar spent on restaurants worldwide (on up to $50,000 each calendar year) and at U.S. supermarkets (on up to $25,000 a year). Terms apply.
The Amex Gold Card's biggest drawback is its annual fee (rates and fees), but foodies can get their money's worth or more if they maximize the card's yearly dining benefits. To break even on the annual fee, you'll need to spend close to $4,800 a year ($400 a month) across the card's bonus categories. But this threshold shouldn't be hard for most households to reach, especially if you have a family to feed.
$325
N/A
See Pay Over Time APR
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new card in your first six months of Card Membership
Good to Excellent
- Great rewards for dining and for shopping at U.S. supermarkets
- Monthly statement credit for eligible dining purchases recoups some of the annual fee
- Underwhelming welcome bonus
Foodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.
Amex Gold Card- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Chase Sapphire Reserve®: Best Restaurant Credit Card for VIPs
The Chase Sapphire Reserve® is perfect for luxury travelers willing to pay a $550 annual fee for premium perks on a single credit card they can use for all purchases. It earns the same 3 Chase points per dollar on dining as the Chase Sapphire Preferred® Card.
This card is an upgraded version of the Chase Sapphire Preferred® Card, with a slew of complimentary benefits including airport lounge access to Priority Pass™ and Chase Sapphire Lounges, generous protection for trip cancellation or disruption, emergency evacuation and transportation coverage of up to $100,000, and much more.
The Chase Sapphire Reserve® also comes with complimentary DashPass membership through December 31, 2027, a $5 monthly credit toward restaurant orders, and two $10 monthly promotional credits toward non-restaurant orders when enrolled in DashPass and paying with this card at checkout (only one $10 credit can be used per order).
Chase Sapphire Reserve® cardholders also earn generous rewards on travel booked through Chase Travel, and a versatile annual credit of up to $300 on most travel expenses.
$550
N/A
21.49% - 28.49% Variable
Earn 60,000 bonus points
Good to Excellent
- Annual travel credit can effectively shave $300 off the annual fee if you use it
- Strong travel insurance
- Strong bonus rewards on travel and dining
- Very high annual fee
If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.
Chase Sapphire Reserve- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
- Member FDIC
How to Choose the Best Dining Credit Card for You
There are many great cards for restaurants and takeout, and choosing the perfect one can be daunting.
The best dining credit card for you will depend on how you like to earn rewards, whether you're willing to pay an annual fee, and if you plan to use the card for other expenses.
Some people want a single credit card they can "set and forget" in their wallet for all expenses and are willing to forego higher rewards for the sake of simplicity. Others enjoy the thrill of maximizing rewards on every purchase and are willing to carry around half a dozen credit cards all the time. Finally, most of us fall somewhere in between — we're open to doing a little extra work or spending some money on annual fees, but not so much that earning bonus points takes top precedence over everything else.
Each of the cards in this guide caters to one or more of these types of diners. You'll find cards exclusively designed to maximize food expenditure, as well as some that earn moderate rewards on dining but also reward you generously for other common expenses. Some cards have high annual fees, while many others don't cost you a thing to open and keep.
Earn More Rewards From Restaurant Dining Programs
You can double-dip on rewards by registering your card with an airline or hotel dining program. These sites offer bonus rewards when you use your card at a participating restaurant, and they're free to join:
- American Airlines AAdvantage Dining
- Bilt Dining
- Delta SkyMiles Dining
- Choice Privileges Dining
- Hilton Honors Dining
- IHG Rewards Dine and Earn
- Marriott Bonvoy Eat Around Town
- Southwest Rapid Rewards Dining
- United MileagePlus Dining
Best Dining Credit Card Cardholder Reviews
In addition to compiling our own research, Business Insider's personal finance team scanned social media networks like Reddit and Facebook to see what everyday cardholders have to say about the best credit cards for restaurants.
Go Big on Business Expenses
If you frequently pay for work-related meals and get reimbursed afterward, Redditors suggest getting higher-end cards like the American Express® Gold Card if your company will cover your annual fee. The Amex Gold Card earns 4 points per dollar on the first $50,000 you spend on eligible restaurant purchases each calendar year — an easy way to earn up to 200,000 Amex points from money you had to spend anyway. Terms apply.
If you spend more than $50,000 a year on dining, however, cardholders recommend the U.S. Bank Altitude® Go Visa Signature® Card instead for the unlimited 4% cash back earning.
Capital One Savor Cash: Hard to Beat for No Annual Fee
The Capital One Savor Cash Rewards Credit Card is one of the best credit cards that foodies can get since it earns 3% cash back on both restaurant and grocery purchases (excluding superstores like Walmart and Target). In fact, some Redditors who value simplicity swear by using this card for everything because it doesn't have an annual fee, earns generous rewards for entertainment and travel through Capital One, and comes with a long 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time) (then 19.24% - 29.24% Variable APR).
Why You Should Trust Us: How We Chose the Best Credit Cards for Dining
Business Insider's guides and reviews aren't influenced by money in any way. Our credit cards team will tell you when a card is a good deal — and we will tell you when it's a rotten deal.
To create our list of the best dining credit cards, we considered cards that offer bonus rewards on dining and other dining-specific benefits, such as monthly statement credits to offset restaurant or food delivery purchases.
We prioritized the cards that offer the strongest return on dining purchases, while also considering each card's overall value by evaluating the annual fee, other rewards, and other benefits.
Read our post on how we rate credit cards for more information.
FAQs
Which credit card is best for restaurants?
The best dining credit cards for most people are the Capital One Savor Cash Rewards Credit Card if you want a no-annual-fee option, or the American Express® Gold Card if you don't mind paying a $325 annual fee (rates and fees). Both cards earn generous rewards on dining and groceries.
Are dining credit cards the same as credit cards for groceries?
The best dining credit cards aren't always the same ones as the best credit cards for groceries, although there is some overlap. Several of the best credit cards for dining also earn bonus rewards at supermarkets, like the Capital One Savor Cash Rewards Credit Card and the American Express® Gold Card. Capital One excludes superstores like Walmart and Target.
What credit card should I use for dining?
The best credit cards for dining should earn at least 3% on restaurants, takeout, or food delivery purchases. For example, the U.S. Bank Altitude® Go Visa Signature® Card and the Amex Gold Card both earn 4 points on restaurant expenses while most of the other cards in this guide earn at least 3% back on dining. The U.S. Bank Altitude® Go Visa Signature® Card's earning is capped at $2,000 each quarter, and the Amex Gold Card caps 4-point restaurant earning at $50,000 per calendar year.
What's the best credit card for food delivery?
The best credit card for food delivery services is the American Express® Gold Card, which comes with an annual credit of up to $120 on eligible Uber Eats when activated by adding your card to your Uber account. If you want a no-annual-fee card for food delivery, the U.S. Bank Altitude® Go Visa Signature® Card earns 4% cash back on eligible food purchases including delivery (up to $2,000 each quarter).
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For rates and fees of the American Express® Gold Card, please click here.
For a guide to the benefits of the Bilt Mastercard, please click here.
For rewards and benefits of the Bilt Mastercard, please click here.
