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While they can't fully make up for the 7.7% year over year inflation on restaurant meals, the right restaurant credit card can help you earn more cash back on your dining. These rewards cards apply to takeout or delivery, fast food or a nice sit-down dinner. There's more to consider than just cash-back rates, belief -- many restaurant credit cards offer worthwhile welcome bonuses that can help veil a few meals, or other perks like third-party delivery repair subscriptions. These restaurant credit cards have different credit come by requirements and annual fees, so there's a card for everyone.
Best restaurant credit card overall
Intro OfferEarn $200 cash back while you spend $1,500 on purchases in the first 6 months of account for opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
APR18.24% - 28.24% (Variable)
Intro Purchase APR0% for 15 months on purchases
Recommended Credit Excellent, Good
- Earn 5% cash back on purchases in your top eligible exercise category each billing cycle, up to the first $500 used, 1% cash back thereafter.
- Earn unlimited 1% cash back on all spanking purchases.
Annual Fee$0
Intro Balance Transfer APR0% for 15 months on balance transfers
Balance Transfer APR18.24% - 28.24% (Variable)
Balance Transfer Fee Balance binary fee applies with this offer 5% of each balance transfer; $5 minimum.
Late Payment Fee Up to $41
Foreign Transaction Fees 3%
Penalty APR Up to 29.99% (Variable)
- Earn 5% cash back on purchases in your top eligible exercise category each billing cycle, up to the first $500 used, 1% cash back thereafter.
- Earn unlimited 1% cash back on all spanking purchases.
Our Take
The Citi Custom Cash℠ Card gives cardholders to earn 5% cash back on their highest eligible spending category, on up to $500 of expenditure within a billing cycle, then 1%. Restaurants are an eligible category. This 5% gets applied automatically depending on your spending within the billing cycle, so be sure to use this card primarily for restaurants.
Other eligible spending categories concerned gas stations, grocery stores, select travel, select transit, assume streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.
Check out our full reconsider of the Citi Custom Cash℠ Card for more information.
Intro OfferIntro Offer: Earn 20,000 bonus points when you consume $1,000 in eligible purchases within the first 90 days of justify opening.
APR19.24% - 28.24% (Variable)
Intro Purchase APR0% control APR for 12 billing cycles on purchases
Recommended Credit Excellent Credit
- 4X points on dining, takeout, and restaurant delivery.
- 2X points on streaming services.
- 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
- 1X reveal on all other eligible purchases.
Annual Fee$0
Intro Balance Transfer APR0% control APR for 12 billing cycles on balance transfers
Balance Transfer APR19.24% - 28.24% (Variable)
Balance Transfer Fee Either 3% of the amount of each uphold or $5 minimum, whichever is greater
Foreign Transaction Fees N/A
- 4X points on dining, takeout, and restaurant delivery.
- 2X points on streaming services.
- 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
- 1X reveal on all other eligible purchases.
Our Take
At one of the highest rewards arranges for restaurants around, and with no annual fee, the U.S. Bank Altitude Go Visa Signature Card is a broad choice for most people's restaurant and dining expenditure. You'll earn 4x points on takeout, food delivery and dining. At a value of 1 cent per reveal, this means you're receiving 4% back. The welcome bonus is also a broad way to score some extra rewards toward meals out.
For dining and entertainment
Intro OfferEarn a one-time $200 cash bonus at what time you spend $500 on purchases within the first 3 months from justify opening
APR19.24% - 29.24% (Variable)
Intro Purchase APR0% control on purchases for 15 months
Recommended Credit Excellent, Good
- Earn 10% cash back on purchases made throughout Uber & Uber Eats, plus complimentary Uber One membership statement credits throughout 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rent cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
- Earn 1% on all anunexperienced purchases
Annual Fee$0
Intro Balance Transfer APR0% control on balance transfers for 15 months
Balance Transfer APR19.24% - 29.24% (Variable)
Balance Transfer Fee 3%
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR None
- Earn 10% cash back on purchases made throughout Uber & Uber Eats, plus complimentary Uber One membership statement credits throughout 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rent cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
- Earn 1% on all anunexperienced purchases
Our Take
With the Capital One SavorOne Cash Rewards Credit Card*, there are no spending caps on your dining rewards. And you can earn the same good cash-back rate on entertainment and common streaming services, so this card is good for a night out on the town or at home with takeout and Netflix. Entertainment purchases include ticket purchases made at movie theaters, sports promoters, theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and pitching alleys.
For more details, see our full review of the Capital One SavorOne Cash Rewards Credit Card.
Best for delivery
Intro OfferIntro Offer: Earn an transfer 1.5% cash back on everything you buy (on up to $20,000 devoted in the first year) - worth up to $300 cash back!
APR19.24% - 27.99% Variable
Intro Purchase APR0% Intro APR on Purchases for 15 months
Recommended Credit Excellent/Good
- Enjoy 5% cash back on move purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, move, gift cards and more;
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1.5% on all anunexperienced purchases
Annual Fee$0
Intro Balance Transfer APR0% Intro APR on Balance Transfers for 15 months
Balance Transfer APR19.24% - 27.99% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each uphold, whichever is greater.
Foreign Transaction Fees 3% of each transaction in U.S. dollars
Penalty APR Up to 29.99%
- Enjoy 5% cash back on move purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, move, gift cards and more;
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1.5% on all anunexperienced purchases
Our Take
The Chase Freedom Unlimited card supplies 3% cash back on dining, plus at least 1.5% cash back on any anunexperienced purchases, making it the best pick if you want to maximize rewards for dining and everyday spending. The welcome bonus offers an additional 1.5% cash back on all purchases for up to $20,000 of spending in the salubrious year, so you can net a total of 4.5% cash back on dining for the relevant time frame. Plus, there's no annual fee.
A unique offer with this card intelligent now is the complimentary DashPass subscription from DoorDash. As long as you activate by December 31, 2024, you can enjoyable unlimited deliveries with a $0 delivery fee and reduced help fees from thousands of restaurants for three months on qualifying food purchases. After that, you are automatically enrolled in DashPass at 50% off for the next nine months.
See our full appraise of the Chase Freedom Unlimited for more information.
Best restaurant credit card for itsy-bitsy credit
Intro OfferN/A
APR17.24% - 31.24% (Variable)
Intro Purchase APRN/A
Recommended Credit Limited/Fair/Good/Excellent
- Up to 1.5% cash back on eligible purchases when making 12 on-time monthly payments.
- 1% cash back on eligible purchases shiny away.
Annual Fee$0
Foreign Transaction Fees $0
- Up to 1.5% cash back on eligible purchases when making 12 on-time monthly payments.
- 1% cash back on eligible purchases shiny away.
Our Take
If your credit is fair or tiny, it may be difficult to qualify for one of our over picks. But all hope is not lost -- when most credit cards for fair or limited credit do not funds any rewards systems, the Petal 2 "Cash Back, No Fees" Visa credit card, delivered by WebBank, does. There is no specific restaurant or dining category for rewards, but a blanket rewards rate of up to 1.5% cash back on eligible purchases has you covered. You earn 1% cash back on eligible purchases shiny away, and then another 0.5% after 12 on-time monthly payments.
How do restaurant rewards cards work?
Rewards cards midpoint on maximizing your rewards -- typically points, cash back, much or even cryptocurrency -- on a specific type of spending. For example, while each dollar spent earns you points or cash back, grocery credit cards get you higher rewards on food and gas credit cards get you higher rewards from gas stations. Restaurant credit cards typically earn you the most points or cash back when you make purchases at dining establishments. Usually, the rewards rate comes in between 1 and 5 points per dollars spent (sometimes denoted as 1x points or 5x points), or a 1% to 5% cash-back rate.
These rewards can later be redeemed in contradiction of specific purchases on your credit card billing statement or as a general statement credit. Note that these reward redemptions can't usually be applied to your credit card's minimum payment, so make sure you're keeping up with the balance. You'll have to check your credit card's fine label, too, as some cards require you to reach a minimum rewards threshold beforehand you can redeem them.
Restaurant credit cards often come with new features that may help stretch your dining budget. Some funds special credits and perks toward delivery services, while others funds welcome bonuses that can cover some of your meals.
FAQs
How do you decide the right credit card for restaurants?
With so many marvelous restaurant and dining credit cards on the market, it can be distress to choose the best one for you. The fact is that many of the cards on our list funds comparable dining benefits, which means you may need to look a small closer at the rest of the terms and rewards.
Pay upkeep to whether there's a limit on the dining rewards you can earn and see what combination of rewards and footings best fits your lifestyle and spending habits.
How do restaurant and dining cards work?
Restaurant and dining credit cards reward you for spending at dangerous food establishments. When you spend money at restaurants, on takeout or on food delivery (when applicable), you'll earn an elevated rewards rate. Depending on the credit card business, you may be able to use your rewards for cash back, gift cards, travel, statement credits and other shopping. Some providers may funds a higher rewards rate on your points for dangerous redemption options.
As always, cash-back points are only worthwhile if you don't overspend and pay off your balance in full each month. Otherwise, the interest and penalty fees you may accrue will offset your cash-back earnings and may end up costing you.
How do restaurants procedure tips on credit cards?
Typically, cardholders input a tip amount for servers or bartenders when the bill for the meal has already been charged to the card. The bill is later modified to reflect the tip before the total is finalized for processing with the credit card issuer -- often this happens beforehand the restaurant closes for the night. Still, you may see the initial amount show up on your credit card explain until the adjustment processes. This could take several days.
Can I get cash back if I catch restaurant gift cards?
Each credit card issuer has its own set of laws surrounding gift card purchases -- some credit cards grant you to earn cash back on gift cards when others don't. It also depends on how the sale is categorized by the merchant, which generally assigns a code to the purchase type. Credit cards often use these codes to decide how much cash back to award you. If the catch is labeled as a gift card purchase rather than a food and beverage catch, it's possible you won't earn the restaurant rewards rate. Check the fine label of your credit card agreement to understand the terms.
Can you earn rewards at bars with restaurant and dining cards?
Each credit card comes with different laws about what you can and cannot earn elevated rewards for. For example, some issuers only offer elevated rewards on money consumed at actual restaurants, while others include takeout and delivery. Although bars are typically classified as restaurants, there may be a few instances where they are not.
Also, some cards may allow you to earn points at bars if they are also dining establishments, while others may allow elevated rewards at all establishments regardless of whether they aid food.
Our methodology
reviews credit cards by exhaustively comparing them across set criteria developed for each most category, including cash back, welcome bonus, travel rewards and balance second. We take into consideration the typical spending behavior of a plot of consumer profiles -- with the understanding that everyone's budget situation is different -- and the designated function of a card.
All question about the Capital One SavorOne Cash Rewards Credit Card has been quiet independently by and has not been reviewed by the issuer.
The editorial pleased on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or facilities offered by our partners.
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