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13 Best Credit Cards for Dining Out of 2021 – Reviews & Comparison


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Although meals made at home are usually cheaper than meals prepared in restaurants, dining out on a budget doesn’t require you to make major sacrifices. If you have adequate credit, one of the easiest ways to stretch your restaurant dollars further is to sign up for a cash-back credit card or points-based rewards credit card that pays you to dine out.

The best dining out credit cards take several different forms. Some are travel rewards cards that include restaurant meals in a broader basket of travel spending categories, such as airfare and hotel purchases. Others are practical-minded cards that also reward gas station and grocery store purchases. A few are business credit cards.

And some focus exclusively on dining out — a welcome specialty for those who regularly indulge at restaurants.

Use this list to zero in on the right dining rewards credit card for your lifestyle, budget, and credit profile.


Best Credit Cards for Restaurants

These are the best credit cards to use for dining out. Unless otherwise noted, all define “dining” expansively, covering:

  • Sit-down dining at restaurant
  • Counter-serve meals and fast-food orders
  • Restaurant takeout orders
  • Restaurant delivery orders

Keep in mind that some of these cards come with annual fees and may cap dining rewards at certain spending thresholds.


1. U.S. Bank Altitude® Go Visa Signature® Card

4x Points on Eligible Dining Purchases

U.s. Bank Altitude Go Card Art 9 8 21

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The U.S. Bank Altitude® Go Visa Signature® Card is an annual-fee-free rewards card that offers one of the best rewards rates around on dining purchases. It further sweetens the deal with a very good sign-up bonus and additional bonus rewards categories: 2 points per $1 spent on grocery store, grocery delivery, streaming service, and gas station purchases, plus 1 point per $1 spent on all other eligible purchases.

  • Dining Out Rewards: Earn 4 points per $1 spent on takeout, food delivery, and dining purchases. Redeem cash back for a statement credit or a deposit made to your U.S. Bank savings or checking account.
  • Sign-Up Bonus: Earn 20,000 bonus points after you spend $1,000 in eligible purchases in the first 90 days. That’s a $200 value toward any redemption option.
  • Introductory APR: Enjoy 0% APR on purchases and balance transfers for the first 12 billing cycles. Thereafter, variable regular APR applies.
  • Important Fees: There is no annual fee or foreign transaction fee.
  • Other Perks: Earn a $15 streaming service credit after making 11 months of streaming service purchases. That’s in addition to 2 points per $1 spent on eligible streaming service purchases.
  • See terms and conditions.

Find out how to apply for this card here.

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2. Chase Sapphire Reserve® Card

Unlimited 3x Points per $1 Spent on Dining Purchases

Chase Sapphire Reserve Card

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The Chase Sapphire Reserve® Credit Card is an elite dining and travel rewards card with an impressive slate of new benefits that enhance its already category-leading appeal. For frequent diners, the headlines include:

  • Unlimited 3 Ultimate Rewards points per $1 spent on restaurants and most travel, including airfare, hotel stays, and car rentals not purchased through Chase Travel
  • 5 total points per $1 spent on air travel purchases made through Chase Travel
  • 10 total points per $1 spent on hotel and car rental purchases made through Chase Travel
  • A 50% redemption boost on travel redemptions, boosting the return on restaurant spending to 4.5%
  • Complimentary subscription to DoorDash’s DashPass service, which offers deliveries with a $0 delivery fee and reduced service fees on food delivery orders over $12, for a minimum of one year when you activate by Dec. 31, 2021
  • Up to $60 in statement credits against DoorDash food delivery purchases in 2021

Additional card benefits include a $300 annual travel credit that applies to virtually all travel purchases; complimentary subscription to Lyft Pink, whose benefits include priority airport pickups, relaxed cancellations, and 15% off per ride; and 10 bonus points per $1 spent on Lyft purchases through March 2022.

Plus, Sapphire Reserve cardholders can boost the value of their earned points by transferring them to participating travel loyalty programs at a 1-to-1 ratio. Participating loyalty partners include some of the biggest names in the travel industry, like Southwest Airlines and Marriott Bonvoy.

  • Dining Out Rewards: This card earns unlimited 3 points per $1 spent on restaurant purchases, including takeout. Redeem your points for cash (statement credits and bank account deposits), gift cards (including restaurant gift cards), general merchandise, travel, and other purchases at Chase’s Ultimate Rewards portal. Points are generally worth $0.01 apiece at redemption, but Chase offers a 50% bonus on points redeemed for airfare, hotels, and other travel bookings made directly through Ultimate Rewards, as well as statement credits against purchases in certain other categories (including restaurants).
  • Sign-Up Bonus: Earn 50,000 bonus points, worth up to $750 when redeemed for travel purchased through Chase’s Ultimate Rewards portal or statement credits against certain eligible purchases, when you spend at least $4,000 within 90 days.
  • Introductory APR: None.
  • Important Fees: The annual fee is $550. Authorized user cards cost $75 each per year. There is no foreign transaction fee.
  • Other Perks: Major perks include a $300 annual travel credit against eligible travel purchases (automatically applied via statement credit) and complimentary Priority Pass Select membership, which includes free access to more than 1,000 airport lounges worldwide.
  • Credit Required: This card requires excellent credit.

See our Chase Sapphire Reserve® Credit Card review for more information. Learn more about this card and find out how you can apply here.

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3. Chase Freedom Unlimited® Card

Earn 3% Cash Back on Eligible Restaurant Purchases

Chase Freedom Unlimited Credit Card

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Chase Freedom Unlimited® earns unlimited 3% cash back on eligible restaurant purchases and boasts a nifty rewards transfer arrangement with other Chase credit cards that can magnify the value of cash back earned on the card.

If you also have the Chase Sapphire Preferred Card or the Chase Sapphire Reserve Card in your wallet, you can transfer cash-back points earned on your Freedom Unlimited card to those accounts and take advantage of their respective 25% or 50% redemption bonus on statement credits against prior travel, dining, and other eligible purchases.

You can also transfer points from those accounts to loyalty rewards programs operated by about a dozen major hotel and airline companies.

And bonus cash back on restaurant purchases is just one of the benefits of Freedom Unlimited’s Rewards program. You’ll also earn 3% cash back on eligible drugstore purchases, 5% cash back on travel purchases made through the Chase Ultimate Rewards travel portal, and 1.5% cash back on all other eligible purchases.

  • Dining Out Rewards: Earn unlimited 3% cash back on eligible dining purchases. You can redeem your accumulated cash-back rewards in any amount for a wide array of items (including statement credits and bank account deposits) in the Chase Ultimate Rewards portal. Earn unlimited 1.5% cash back on most purchases.
  • Sign-Up Bonus: Earn $200 bonus cash when you spend at least $500 in eligible purchases during the first three months your account is open. Plus, earn 5% cash back on grocery store purchases on up to $12,000 spent in the first year, excluding grocery purchases at Target or Walmart.
  • Introductory APR: Enjoy a 0% introductory purchase and balance transfer APR for 15 months after account opening. Thereafter, variable regular APR applies.
  • Regular APR: Once the introductory promotion ends, variable regular APR applies, currently 14.99% to 24.74% APR.
  • Important Fees: There’s no annual fee. Cash advances cost the greater of $10 or 5%, and foreign transactions cost 3% of the total transaction amount.
  • Other Perks: For a limited time (through Dec. 31, 2021), enjoy a free DoorDash DashPass subscription for three months from account opening, then 50% off for the next nine months (activation is required). Through March 2022, earn 5% cash back on qualifying Lyft purchases.

See our Chase Freedom Unlimited® Card review for more information. Find out how to apply for this card here.

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4. Chase Freedom® Flex Card

Earn 3% Cash Back on Eligible Restaurant Purchases

Chase Freedom Flex Card Art 1 28 21

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The Chase Freedom® Flex Credit Card has a rewards scheme similar to Chase Freedom Unlimited, earning unlimited 3% cash back on eligible restaurant purchases.

Freedom Flex cardholders can transfer their points on to other Chase credit card accounts, including those with redemption bonuses (like Sapphire Preferred and Sapphire Reserve) and earn bonus points on eligible drugstore and Chase Travel purchases as well.

Rewards-wise, the biggest difference between Freedom Flex and Freedom Unlimited is Flex’s quarterly rotating 5% cash-back categories, which earn bonus cash back on the first $1,500 in cumulative quarterly purchases in those categories. All other eligible purchases earn unlimited 1% cash back, compared with 1.5% cash back for Freedom Unlimited.

There’s more. New cardholders get three free months of DoorDash’s DashPass subscription service for restaurant deliveries, then 50% off membership for nine more months. Activate by Dec. 31, 2021, to claim this benefit.

  • Dining Out Rewards: Chase Freedom Flex earns unlimited 3% cash back on eligible restaurant purchases. Redeem cash back in any amount and for virtually anything at the Chase Ultimate Rewards portal.
  • Sign-Up Bonus: When you make $500 in qualifying purchases within three months of account opening, you’ll earn $200 bonus cash. Plus, earn 5% cash back on grocery store purchases on up to $12,000 spent in the first year, excluding grocery purchases at Target or Walmart.
  • Introductory APR: Enjoy a 0% introductory purchase and balance transfer APR for 15 months after account opening. Thereafter, variable regular APR applies.
  • Regular APR: Once the introductory promotion ends, variable regular APR applies, currently 14.99% to 24.74% APR.
  • Important Fees: There’s no annual fee. The foreign transaction fee is 3%.
  • Other Perks: Through March 2022, earn 5% cash back on qualifying Lyft purchases. Plus, enjoy coverage on eligible purchases through Chase’s Purchase Protection plan — up to $500 per item and $50,000 per account for 120 days against theft, damage, and loss.
  • Credit Required: This card requires good to excellent credit.

See our Chase Freedom® Flex review for more information. Learn more about this card and find out how you can apply here.

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5. Capital One® SavorOne® Cash Rewards Credit Card

Unlimited 3% Cash Back on Dining Purchases

Capital One Savorone Card Art 8 17 21

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The Capital One SavorOne Cash Rewards Credit Card, also known as SavorOne Rewards from Capital One, is tailor-made for dining enthusiasts.

Eligible restaurant purchases earn unlimited 3% cash back, with no limits on how much you can earn. Eligible grocery purchases and streaming purchases also earn unlimited 3% cash back, so there’s hope for nights in too. All other eligible purchases earn unlimited 1% cash back.

Beyond its generous, foodie-friendly cash rewards program, SavorOne has a solid early spend bonus and no foreign transaction fees.

  • Dining Out Rewards: Earn unlimited 3% cash back on all eligible dining purchases, with no caps or restrictions on how much you can earn. Redeem for cash back — statement credits work best — in any amount at any time. You can also redeem rewards for purchases at Amazon (at checkout).
  • Early Spend Bonus: Earn $200 bonus cash when you spend at least $500 on eligible purchases within the first three months.
  • Introductory APR: Enjoy 0% APR on purchases and balance transfers for the first 15 months from account opening. Thereafter, variable regular APR applies.
  • Important Fees: There is no annual fee or foreign transaction fee.
  • Other Perks: This card’s fringe benefits include complimentary rental car insurance when you pay for the rental in full with your card, travel accident coverage, and extended warranties on select items.
  • Credit Required: This card requires good to excellent credit.

Learn more about this card and find out how you can apply here.

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6. Capital One SavorOne Student Cash Rewards Credit Card

Up to 3% Cash Back on Select Purchases

Capital One Savorone Student Card Art 8 18 21

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The Capital One SavorOne Student Cash Rewards Credit Card has the same great rewards program as the “adult” Capital One SavorOne Cash Rewards Credit Card, though it lacks its parent’s early spend bonus. And, of course, eligibility is limited to students enrolled in two- and four-year degree programs and certain other higher education arrangements.

In addition to unlimited 3% cash back on qualifying restaurant purchases, SavorOne Student earns 3% cash back on eligible grocery store purchases (excluding purchases at Target and Walmart), entertainment purchases, and purchases of popular streaming services.

  • Dining Out Rewards: Earn unlimited 3% cash back on qualifying restaurant purchases, with no caps or limits on what you can earn. Redeem your accumulated cash-back rewards for a statement credit or paper check in any amount.
  • Introductory APR: None.
  • Important Fees: There’s no annual fee or foreign transaction fee.
  • Other Perks: Capital One could consider you for a credit line increase in as little as 6 months after account opening. Just use your card responsibly and make timely payments.
  • Credit Required: This card is appropriate for applicants with average, fair, or limited credit.

Learn more about this card and find out how to apply here.

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7. Chase Sapphire Preferred® Card

3 Points per $1 Spent on Dining; 1-to-1 Transfer to Participating Frequent Flyer and Hotel Guest Programs

Sapphire Preferred Card Art 8 17 21

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The Chase Sapphire Preferred® Card is one of the most popular premium credit cards for frequent diners.

It earns:

  • Unlimited 3 Ultimate Rewards points per $1 spent on dining purchases
  • 5 points total per $1 spent on eligible travel purchases made through Chase Ultimate Rewards (after the $50 annual Ultimate Rewards hotel credit is exhausted)
  • 2 points per $1 spent on other eligible travel purchases
  • 3 points per $1 spent on eligible streaming services and online grocery purchases

All other eligible purchases earn 1 point per $1 on all other purchases.

Like Sapphire Reserve cardholders, Sapphire Preferred cardholders can transfer Ultimate Rewards points earned on this card to participating travel loyalty programs at a coveted 1-to-1 ratio.

It gets better. Ultimate Rewards points earned on Sapphire Reserve spending are worth up to $0.0125 apiece when redeemed for travel purchases such as airfare, hotels, cruises, and car rentals through the Ultimate Rewards portal. That’s a 25% boost to their cash redemption value.

  • Dining Out Rewards: Earn unlimited 3 points per $1 spent on qualifying dining purchases, including dine-in and takeout. Redeem for virtually anything at the Chase Ultimate Rewards portal. Chase Travel and Pay Yourself Back redemptions offer the best value.
  • Sign-Up Bonus: Earn 60,000 bonus Ultimate Rewards points after you spend at least $4,000 in eligible purchases within three months. That’s worth as much as $750 on eligible redemptions.
  • Introductory APR: None.
  • Important Fees: Enjoy a complimentary DoorDash DashPass subscription for a minimum of one year when you activate by Dec. 31, 2021, plus get $60 back on an eligible Peloton Digital or All-Access Membership through Dec. 31, 2021. Your Peloton membership entitles you to full workout library access through the Peloton app (yoga, running, strength, cardio, and more) with no fitness equipment required.

See our Chase Sapphire Preferred® Credit Card review for more information. Learn more about this card and find out how to apply here.

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8. American Express® Gold Card

4 Membership Rewards Points per $1 Spent on Dining Purchases

Amex Gold Card Art 2 4 21

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Frequent diners have a lot to like about the American Express® Gold Card. Restaurant purchases — including takeout and delivery — as well as U.S. supermarket grocery purchases earn 4 Membership Rewards points per $1 spent.

Plus, cardholders get up to $10 in statement credits per month (up to $120 per year) for qualifying purchases with restaurant and food delivery brands such as GrubHub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and Shake Shack.

Amex Gold’s rewards program extends to other purchase categories as well. Airfare purchases booked directly with airlines or on amextravel.com earn an unlimited 3 points per $1 spent, while all other purchases earn 1 point per $1 spent.

This card’s $250 annual fee is worth noting. However, the fringe benefits make it all worthwhile: no foreign transaction fees, a $100 annual airline fee credit, up to $100 in credits per stay at properties in the American Express Hotel Collection, and an impressive collection of travel perks and coverages.

  • Dining Out Rewards: This card earns 4 Membership Rewards points per $1 spent on restaurant purchases, including takeout.
  • Redeeming Rewards: Membership Rewards points are worth up to $0.01 apiece, but can be worth as little as $0.005 apiece, depending on how they’re redeemed. You can redeem them for airfare, Uber rides, general merchandise, and gift cards through American Express’s Membership Rewards portal, Amazon, and other online retailers. Redemption minimums generally start at 1,000 points.
  • Welcome Offer: Earn 60,000 bonus Membership Rewards points when you spend at least $4,000 within three months of account opening.
  • Introductory APR: None.
  • Important Fees: The card carries a $250 annual fee. There are no foreign transaction fees.
  • Other Perks: You get a $100 airline purchase credit, payable as a statement credit, for incidental expenses with one airline of your choice. When you stay at least two consecutive nights with participating hotel partners in the American Express Hotel Collection, you get a free room upgrade (subject to availability) and a purchase credit worth up to $100.
  • Credit Required: This card requires excellent credit.

See our American Express® Gold Card review for more information. Learn more about this card and find out how you can apply here.

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9. Citi Premier® Card

Unlimited 3 ThankYou Points per $1 Spent on Dining Purchases

Citi Premier Card Art 7 8 21

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The Citi Premier® Card is a premium travel rewards credit card with a generous points-earning scheme. Of special note for frequent diners: its expansive 3x category covers dining purchases in addition to a host of other experiential categories. These include purchases of:

  • Gas and local commuting
  • Hotels
  • Rental cars
  • Airfare
  • Groceries at supermarkets

Other perks include a $100 annual credit against single hotel bookings worth $500 or more, a generous points transfer program featuring more than a dozen travel loyalty partners, access to Citi’s Private Pass program, and personalized concierge service.

  • Dining Out Rewards: Earn unlimited 3 ThankYou points per $1 spent on dining and entertainment purchases. Redeem your points in the ThankYou Rewards portal for travel, gift cards, general merchandise, bill payments, and Amazon purchases.
  • Sign-Up Bonus: Earn 60,000 bonus ThankYou Points, worth up to $600 when redeemed for gift cards, when you spend at least $4,000 within three months of account opening.
  • Introductory APR: None.
  • Important Fees: The annual fee is $95. There are no foreign transaction fees.
  • Other Perks: Cardholders also have access to personalized concierge services, such as 24/7 travel and event booking. Also, Citi’s Private Pass program offers VIP access and early sales for concerts, sporting events, and other entertainment.
  • Credit Required: This card requires excellent credit.

See our Citi Premier® Card review for more information. Learn more about this card and find out how you can apply here.

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10. Citi® Double Cash Card

Unlimited 2% Cash Back on All Purchases, Including Dining

Citi Double Cash Card Art 12 4 19

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When a credit card earns unlimited 2% cash back on all purchases, including purchases made at restaurants, does it really qualify as a “dining credit card”?

Who cares? The Citi® Double Cash Card is one of the best cash-back credit cards on the market. If you dine out frequently and don’t have a more generous dining card in your wallet, it should absolutely be your go-to option when it comes time to settle the bill.

Citi Double Cash has some nice additional benefits, including a sign-up bonus worth $100 cash and access to VIP events and experiences through Citi Private Pass.

  • Dining Out Rewards: This card earns unlimited 2% cash back on all purchases, including dining. You earn 1% cash back when you make a purchase and another 1% cash back when you pay your bill, provided you make at least the minimum payment. Redeem cash back for statement credits, gift cards, bank account deposits, and paper checks, subject to a $25 redemption minimum.
  • Sign-Up Bonus: There’s presently no sign-up bonus. Check back often for the latest offers.
  • Introductory APR: Enjoy 0% APR on balance transfers for the first 18 months after account opening.
  • Important Fees: This card has no annual fee. Foreign transactions cost 3%.
  • Other Perks: Enjoy exclusive events and experiences through Citi Private Pass, a mulligan on your first late fee, Citi’s Lost Wallet service and identity theft protection protocols, and 24/7 concierge service.
  • Credit Required: This card requires excellent credit.

See our Citi® Double Cash Card review for more information. Learn more about this card and find out how you can apply here.

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11. Chase Ink Business Cash® Card

2% Cash Back on Restaurant Purchases, Up to $25,000 Annual Spend

Ink Business Cash Card Art 7 30 21

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The Chase Ink Business Cash® Card is a business credit card with a great cash-back rewards program that favors frequent dining. Restaurant and gas station purchases earn 2% cash back, up to a $25,000 total annual spending limit.

To max out your earning potential on dining, avoid using this card at gas stations. Use another card — such as the Blue Cash Preferred Card from American Express, which earns an unlimited 3% cash back at the pump — for gas station purchases.

This card also earns 5% cash back on office supply and communications such as Internet, landline, and cable TV services, up to a $25,000 maximum per year.

Purchases above the $25,000 limits in the 5% and 2% categories, plus all other purchases, earn an unlimited 1% cash back. Also, there’s a nice sign-up bonus here: When you spend at least $3,000 within three months of opening your account, you get $200 bonus cash back.

  • Dining Out Rewards: This card earns 2% cash back on restaurant and gas station purchases, up to a cumulative annual spending limit of $25,000. Redeem for statement credits, mailed checks, direct deposits, or online purchases including travel, merchandise, and restaurant gift cards through Chase’s Ultimate Rewards portal.
  • Sign-Up Bonus: Earn $750 bonus cash back after spending at least $7,500 on purchases within three months of account opening.
  • Introductory APR: There is a 0% APR on purchases and balance transfers for 12 months. After that, variable regular APR applies.
  • Important Fees: There’s no annual fee, but foreign transactions cost 3%. Balance transfers cost the greater of $5 or 5%, and cash advances cost the greater of $15 or 5%.
  • Other Perks: Chase’s Extended Warranty Protection program extends warranties lasting less than three years for an additional year at no additional charge. Chase also offers a host of business services, such as the Chase Checkout payment processing system.
  • Credit Required: This card requires excellent credit.

See our Chase Ink Business Cash® Credit Card review for more information. Find out how you can apply for this card here.

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12. Capital One Spark Cash Plus

Unlimited 2% Cash Back on All Purchases, Including Dining Out

Capital One Spark Cash Select Card Art 8 17 21

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The Capital One Spark Cash Plus card earns unlimited 2% cash back on all eligible purchases, including restaurant meals. It’s easy to redeem cash back for statement credits or paper checks, according to your preference, and there’s no minimum to redeem.

If your restaurant spending can help you clear at least $200,000 in annual purchases, you can look forward to a $200 annual cash bonus too. And the early spend bonus is amazing, worth up to $1,000 when fully utilized.

  • Dining Out Rewards: This card earns an unlimited 2% cash back on dining out purchases, in addition to all other purchases.
  • Redeeming Rewards: You can redeem accumulated cash back for statement credits and paper checks in any amount, or schedule recurring automatic redemptions when you hit a certain threshold (minimum $25) or certain time of year.
  • Early Spend Bonus: When you spend at least $4,500 within three months of opening your account, you earn $500 bonus cash.
  • Important Fees: The annual fee is $150 annual fee. There’s no foreign transaction fee.
  • Other Perks: This card offers a host of business-friendly perks, plus travel benefits like emergency travel assistance and reimbursement.
  • Credit Required: This card requires good to excellent credit.

See our Capital One Spark Plus Card review for more information. Learn more about this card and find out how you can apply here.

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13. Capital One® Spark® Miles for Business

Unlimited 2 Miles per $1 Spent Everywhere, Including Dining Out

Capital One Spark Miles Card Art 8 17 21

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The Capital One® Spark® Miles for Business card is a straightforward business travel rewards credit card that earns an unlimited 2 miles per $1 spent on everything, every day, including dining. It also has an impressive sign-up bonus: 50,000 bonus miles when you spend at least $4,500 in purchases within three months of opening your account.

Miles can be redeemed for a wide range of travel purchases, including airfare and hotel stays, either via statement credits or direct purchases, at a value of $0.01 per point.

  • Dining Out Rewards: This card earns an unlimited 2 miles on dining out purchases, as well as on all other purchases. Redeem miles for statement credits against virtually any type of travel purchase, including hotel stays, airfare, and car rentals, either by booking directly through Capital One or retroactively applying statement credits to prior purchases.
  • Early Spend Bonus: When you spend at least $4,500 within 90 days of opening your account, you earn 50,000 bonus miles — good for up to $500 in travel purchases.
  • Introductory APR: None.
  • Important Fees: The $95 annual fee is waived for the first year. Cash advances cost the greater of $5 or 3%, but there’s no balance transfer fee or foreign transaction fee.
  • Other Perks: Capital One’s emergency assistance plan reimburses you for trips and reservations canceled suddenly due to illness, accident, and other factors beyond your control.
  • Credit Required: This card requires excellent credit.

See our Capital One® Spark® Miles for Business review for more information. Learn more about this card and find out how you can apply here.

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Final Word

One of the easiest ways to trim your household budget is to eat fewer restaurant meals. However, if you’re too busy to make all your meals at home or simply enjoy the pleasures of dining out, a dining rewards credit card is a great way to cut costs without sacrifice.

Since you spend money on plenty of other things besides restaurant meals, it’s not a bad idea to consider pairing your dining rewards credit card with a card that offers generous cash back or points rewards for supermarket purchases, gas purchases, travel purchases, or other common spending categories — especially if your dining card doesn’t already.

After all, who doesn’t like to get paid back for everyday expenditures?

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