Best Credit Cards for Dining and Restaurants of November 2025 

The best credit cards for restaurants offer valuable rewards whenever you dine out or eat in, and the more premium of the bunch also offer statement credits toward meals, either at fast-casual or higher-end establishments, depending on the card. 

Our roundup, including some of our partners, of the best dining credit card options runs the gamut from no-annual-fee cash-back credit cards to premium rewards cards that earn flexible points and offer statement credits to cover dining purchases, sometimes even at restaurants bookable through premium reservation platforms.

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Quick Overview: Best Credit Cards for Dining and Restaurants

	Our Choice For	Credit Range	Annual Fee	Highlights
Rates and Fees | Terms Apply American Express® Gold Card 4.1 CardCritics™ Rating CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.	Elevated Rewards	Good – Excellent	$325	Access to incredible statement credit opportunities Apply Now More Details
Rates and Fees Capital One Savor Cash Rewards Credit Card 4.8 CardCritics™ Rating CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.	Rewards on dining & entertainment	Excellent, Good 670 – 850*	$0	Up to 8% cash back plus a $300 bonus For a limited time, earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. Offer ends 12/9 Apply Now More Details
Rates and Fees Chase Freedom Flex® 4.7 CardCritics™ Rating CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.	Rotating Bonus Categories	Good – Excellent 670 – 850*	$0	Up to 5% cash back on certain categories each quarter 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! 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 unlimited 1% cash back on all other purchases. Apply Now More Details
Rates and Fees Chase Freedom Unlimited® 4.8 CardCritics™ Rating CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.	Cash Back	Good – Excellent 670 – 850*	$0	Earn an intro offer worth $200 Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Apply Now More Details
Rates and Fees Chase Sapphire Preferred® Card 4.8 CardCritics™ Rating CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.	Travel	Good – Excellent 670 – 850*	$95	Incredible rewards redemption value and a welcome bonus worth up to $1,312 in Travel Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Your points are worth up to 75% more when you redeem them through Chase Travel, making this bonus worth up to $1,312.50. Apply Now More Details
Chase Sapphire Reserve® 4.8 CardCritics™ Rating CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.	Premium Perks	Excellent 720 – 850*	$795	Luxury travel card with airport lounge access & a bonus worth up to $2,500 in Travel Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. Your points are worth up to 100% more when you redeem them through Chase Travel, making this bonus worth up to $2,500. Full Review More Details
Rates and Fees Citi Strata Premier® Card 4.9 CardCritics™ Rating CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.	Premium Points	Excellent/Good 670 – 850*	$95	Earn up to 10x points per dollar plus a bonus worth 60,000 bonus ThankYou® PointsEarn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. Apply Now More Details
Rates and Fees Citi Strata Elite℠ Card	Elevated Rewards and Premium Travel Perks	Excellent/Good 670 – 850*	$595	Earn 100,000 points and premium benefits For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening. Apply Now More Details
Rates and Fees Wells Fargo Autograph® Card 4.8 CardCritics™ Rating CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.	3x Points On Top Categories	Excellent/Good 670 – 850*	$0	Earn a welcome bonus and 1X – 3X rewards Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases. Apply Now More Details
Rates and Fees Wells Fargo Autograph Journey℠ Card	Travel	Excellent/Good 670 – 850*	$95	Strong ongoing rewards, elevated travel perks, plus a bonus worth $600Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip. Apply Now More Details
U.S. Bank Altitude® Go Visa Signature® Card 4.7 CardCritics™ Rating CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.	Bonus Rewards on Dining With No Annual Fee	Good – Excellent 670 – 850*	$0	Earn up to 4x points and a welcome bonus4X points on dining, takeout, and restaurant delivery. 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations 1X point on all other eligible purchases. Full Review More Details

Detailed Overview: Best Credit Cards for Dining and Restaurants

Huge Rewards Earnings Plus A Welcome Offer Opportunity

American Express® Gold Card

4.1

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

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Rates and Fees|Terms Apply

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Top Feature

You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

Purchase APR

See Pay Over Time APR

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Rates and Fees|Terms Apply

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CardCritics™ Opinion

If you are looking to level up your credit card rewards, but aren’t quite ready to commit to platinum-level annual fees then the American Express® Gold Card is likely a great fit for you. It is geared toward travelers and foodies with elevated rewards rates and member perks and benefits tied to those categories. It also offers an incredible welcome offer opportunity and the option to choose between a Gold or Rose Gold metal design.

Recommended Credit Score

Good – Excellent

Annual Fee

$325 See Rates & Fees

Rewards

1X – 4X 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.

Card Details From Issuer

• You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  
• 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 with 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. Enrollment is required to receive this benefit.
  
• $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.
  
• Terms Apply.

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On American Express' secure site

Rates and Fees|Terms Apply

Solid 3% earning rate on dining, entertainment & more

Capital One Savor Cash Rewards Credit Card

4.8

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

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Rates and Fees

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Top Feature

For a limited time, earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. Offer ends 12/9

Purchase & Balance Transfer APR

0% intro on purchases and balance transfers for 12 months, then 18.99% – 28.99% (Variable)

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Rates and Fees

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CardCritics™ Opinion

Foodies and entertainment lovers must give this card a look. The Capital One Savor Cash Rewards Credit Card offers generous cash-back rates on dining, entertainment, and streaming services. There is a very lucrative welcome bonus and an intro APR on purchases and balance transfers, making it a well-rounded choice.

Recommended Credit Score

Excellent, Good (670 – 850*)

Annual Fee

$0

Rewards

1% – 8% Earn 8% cash back on Capital One Entertainment purchases.

Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.

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.

Card Details From Issuer

• LIMITED-TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  
• $0 annual fee and no foreign transaction fees
  
• 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, vacation rentals and rental cars booked through Capital One Travel
  
• 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 12 months; 18.99% – 28.99% variable APR after that; balance transfer fee applies

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On Capital One's secure site

Rates and Fees

Rotating 5% Bonus Categories Each Quarter

Chase Freedom Flex®

4.7

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

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On Chase's secure site

Rates and Fees

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Top Feature

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

Purchase & Balance Transfer APR

0% Intro APR on Purchases and Balance Transfers for 15 months, then 18.74% – 28.24% Variable

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On Chase's secure site

Rates and Fees

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CardCritics™ Opinion

The Chase Freedom Flex® card is a versatile choice for cashback enthusiasts, offering rotating quarterly bonus categories and fixed high-earning rates on essential purchases like dining and drugstores. With no annual fee and benefits like cell phone protection, it provides substantial value for everyday spending and rewards flexibility.

Recommended Credit Score

Good – Excellent (670 – 850*)

Annual Fee

$0

Cash Back

1% – 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!

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 unlimited 1% cash back on all other purchases.

Card Details From Issuer

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  
• 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 unlimited 1% cash back 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!
  
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74%-28.24%.
  
• No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
  
• Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  
• Member FDIC

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On Chase's secure site

Rates and Fees

Huge Earning Potential and No Annual Fee

Chase Freedom Unlimited®

4.8

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

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Rates and Fees

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Top Feature

Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Purchase & Balance Transfer APR

0% Intro APR on Purchases and Balance Transfers for 15 months, then 18.74% – 28.24% Variable

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On Chase's secure site

Rates and Fees

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CardCritics™ Opinion

The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel℠, dining at restaurants and purchases at drugstores. You can earn a welcome bonus of $200 cash back after you spend $500 on purchases in the first three months of account opening. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Plus, if you hold other Chase cards like the Chase Sapphire Preferred® Card, you can combine your rewards to make them even more valuable.

Recommended Credit Score

Good – Excellent (670 – 850*)

Annual Fee

$0

Rewards

1.5% – 5% 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

Card Details From Issuer

• Intro Offer: Earn a $200 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 18.74% – 28.24%.
  
• 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

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On Chase's secure site

Rates and Fees

75,000 Bonus Point Offer

Chase Sapphire Preferred® Card

4.8

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

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On Chase's secure site

Rates and Fees

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Top Feature

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Purchase & Balance Transfer APR

19.74% – 27.99% Variable

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On Chase's secure site

Rates and Fees

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CardCritics™ Opinion

The Chase Sapphire Preferred® Card is the perfect card for someone who is looking to level-up their travel game. Since it comes with a substantial welcome bonus, you will be well on your way to booking your next trip once you hit the spending requirement. As you earn more rewards through this card’s travel and dining bonus categories, you can explore Chase’s hotel and airline transfer partners or redeem your points for travel through Chase Travel℠ for up to 75% more value. And if you take advantage of the many perks this card offers, you will quickly offset the $95 annual fee.

Recommended Credit Score

Good – Excellent (670 – 850*)

Annual Fee

$95

Rewards

1x – 5x 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.

Card Details From Issuer

• Earn 75,000 bonus points after you spend $5,000 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
  
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  
• 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
  
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  
• Member FDIC

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On Chase's secure site

Rates and Fees

125,000 bonus points

Chase Sapphire Reserve®

4.8

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

Full Review

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Top Feature

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Purchase & Balance Transfer APR

19.99% – 28.49% Variable

Full Review

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CardCritics™ Opinion

If you want to level up your travel rewards to luxury levels, this card may be the right fit. The ongoing rewards, annual travel credits and incredible miles transfer and redemption options are hard to beat. Add in an attractive welcome bonus and airport lounge access and it’s easy to see why this card is so popular even though the annual fee is pretty steep.

Recommended Credit Score

Excellent (720 – 850*)

Annual Fee

$795

Rewards

1x – 8x Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.

Card Details From Issuer

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  
• Get more than $2,700 in annual value with Sapphire Reserve.
  
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
  
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
  
• Member FDIC

Full Review

Elevated Travel Rewards Plus A Generous Bonus

Citi Strata Premier® Card

4.9

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

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On Citi®'s secure site

Rates and Fees

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Top Feature

Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

Purchase & Balance Transfer APR

19.74% – 27.74% (Variable)

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On Citi®'s secure site

Rates and Fees

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CardCritics™ Opinion

This premium travel card offers a hefty list of travel perks, credits and lucrative ongoing rewards that make the $95 annual fee easy to justify. It offers 3 points per $1 spent a wide range of popular categories and significant welcome bonus.

Recommended Credit Score

Excellent/Good (670 – 850*)

Annual Fee

$95

Rewards

1x – 10x 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).

Card Details From Issuer

• Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
  
• Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  
• Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  
• Earn 1 Point per $1 spent on all other purchases
  
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  
• No expiration and no limit to the amount of points you can earn with this card
  
• No Foreign Transaction Fees on purchases

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On Citi®'s secure site

Rates and Fees

Huge welcome offer and premium perks

Citi Strata Elite℠ Card

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On Citi®'s secure site

Rates and Fees

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Top Feature

For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.

Purchase & Balance Transfer APR

20.74% – 28.74% (Variable)

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On Citi®'s secure site

Rates and Fees

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CardCritics™ Opinion

Citi’s new premium credit card is a strong option for frequent travelers who prefer earning ThankYou® points and want upscale perks, such as airport lounge access (including four American Airlines Admirals Club passes annually) and travel statement credits. It offers high rewards for Citi Travel bookings, along with a unique tiered earning structure on dining worth up to 6x points. Non-bonus categories earn 1.5 points per dollar, which is above average for a travel credit card. The $595 annual fee puts the Strata Elite between other premium credit cards in terms of cost, but it could be well worth it if you can take advantage of the card’s many perks.

Recommended Credit Score

Excellent/Good (670 – 850*)

Annual Fee

$595

Rewards

1.5x – 12x Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time Earn 1.5 Points per $1 spent on All Other Purchases

Card Details From Issuer

• For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
  
• Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
  
• Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
  
• Earn 1.5 Points per $1 spent on All Other Purchases
  
• Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
  
• No Foreign Transaction Fees

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Earn Unlimited 3X Rewards on Restaurants, Travel, Gas & More

Wells Fargo Autograph® Card

4.8

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

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Top Feature

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

Purchase & Balance Transfer APR

0% intro APR for 12 months from account opening on purchases, followed by a 18.74%, 24.74%, or 28.74% Variable APR. A 18.74%, 24.74%, or 28.74% Variable APR will apply for balance transfers.

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CardCritics™ Opinion

Earning unlimited 3x rewards at restaurants, gas stations, and on travel (plus other categories too) is a fantastic rewards rate for those firmly against paying an annual fee. With no caps or activation requirements, the Wells Fargo Autograph® Card is a stand-out option in the rewards space, offering a robust list of additional perks and flexible redemption options too.

Recommended Credit Score

Excellent/Good (670 – 850*)

Annual Fee

$0

Rewards

1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

Card Details From Issuer

• Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  
• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
  
• Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
  
• $0 annual fee.
  
• 0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74%, or 28.74% variable APR thereafter.
  
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

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Elevated Travel Rewards Plus A Massive Bonus

Wells Fargo Autograph Journey℠ Card

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Top Feature

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Purchase & Balance Transfer APR

19.74%, 25.74%, or 28.74% Variable APR

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CardCritics™ Opinion

This is a great match for frequent travelers who are seeking strong ongoing rewards, a hefty welcome bonus and a significant list of travel perks and credits. This card does allow you to transfer your points to other travel rewards programs, but that transfer list is a bit more limited than some of its competitor cards.

Recommended Credit Score

Excellent/Good (670 – 850*)

Annual Fee

$95

Rewards

1X – 5X Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.

Card Details From Issuer

• Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  
• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
  
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
  
• $95 annual fee.
  
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
  
• Earn a $50 annual statement credit with $50 minimum airline purchase.
  
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
  
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

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On Wells Fargo's secure site

Rates and Fees

Earn Impressive Rewards on Dining

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

4.7

CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

Full Review

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Top Feature

Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

Purchase & Balance Transfer APR

0% Intro APR for 15 billing cycles on purchases and balance transfers, then 17.99% – 27.99%

Full Review

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CardCritics™ Opinion

The U.S. Bank Altitude Go is ideal for foodies who want to earn high rewards without paying an annual fee. It earns 4x on dining, takeout and restaurant delivery (on up to $2,000 in purchases per quarter, then 1x), in addition to 2x points at grocery stores, gas stations, EV charging stations and on streaming services. A respectable welcome bonus, intro APR offer and the opportunity to earn a $15 annual streaming credit make this card a compelling choice for budget-minded consumers.

Recommended Credit Score

Good – Excellent (670 – 850*)

Annual Fee

$0

Rewards

1X – 4X 4X points on dining, takeout, and restaurant delivery.
2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
1X point on all other eligible purchases.

Card Details From Issuer

• Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That’s a $200 value if you deposit rewards into an eligible U.S. Bank account.
  
• 4X points on dining, takeout, and restaurant delivery.
  
• 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
  
• 2X at grocery stores and gas stations/EV charging stations (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024).
  
• 1X point on all other eligible purchases.
  
• 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR applies, currently 17.99% – 27.99%.
  
• No Annual Fee
  
• Points never expire as long as your account is active.
  
• Redeem points towards a monetary charitable contribution and U.S. Bank will match your contribution at 100%. Terms and conditions apply.

Full Review

What Is a Dining Rewards Credit Card?

A dining rewards credit card offers extra cash back or points on purchases that fall under the dining category. This typically includes restaurants, cafes and other establishments that serve food, as well as delivery platforms like DoorDash and GrubHub. 

If you eat out or order delivery regularly, a dining rewards card is a smart way to maximize your spending.  

How To Choose the Best Credit Card for Restaurants and Dining 

There isn’t one definitive best credit card for dining; the best choice for you will depend on several factors.

Make Sure You Understand What’s Eligible for Bonus Rewards

Most dining credit cards earn rewards on almost every type of dining purchase — from restaurants to cafes that serve food to delivery platforms — but not every card defines this category in the same way. The best option for you just depends on your favorite spots to eat.

Also, note that dining credit cards don’t necessarily earn bonus rewards on grocery spending; that’s seen as a separate category altogether.

Consider Which Rewards You Prefer

There are two primary reward categories for dining credit cards: cash back and flexible points. 

Several of the best cash-back credit cards include dining as a bonus category. If you don’t travel much and prefer the simplicity of earning a percentage of cash back on all your spending, this could be the way to go. Cash-back credit cards tend to have lower annual fees, too.

On the other hand, if you love earning points that you can use to book flights, hotels and more, choosing one of the best rewards credit cards that earns bonus points on dining is a better choice. While these cards often have higher annual fees, the rewards are also more valuable. With cash back, 1% back is always 1 cent back in value, whereas the value of points can vary depending on how you redeem them. And if you redeem points for business-class flights or hotel rooms with expensive cash rates, you can easily get several cents per point in value.

Annual Fee 

As mentioned above, dining credit cards have a range of annual fees, with cash-back dining cards being the cheaper option compared to rewards cards that earn transferable points such as Amex Membership Rewards® or Chase Ultimate Rewards®. 

Dining rewards credit cards with higher annual fees can still be worth it, but it all depends on how you use the card. Make sure you’re able to get enough value to justify the annual fee before applying.

Extra Dining Perks

At a minimum, the best dining cards offer bonus rewards on restaurant spending. However, some cards go beyond this to offer extra dining-related perks.

For example, the American Express® Gold Card, an advertising partner, has several dining statement credits in addition to earning 4x points at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1x). These include up to $120 in annual dining credits (up to $10 per month) when you pay with the Amex Gold at participating partners (including Grubhub, one of the easiest to use), up to $84 in annual credits toward U.S. Dunkin purchases, and up to $100 in U.S. Resy credits each year (enrollment required).

Resy is a restaurant reservation platform for restaurants across the U.S., as well as in international cities including Barcelona, Hong Kong and Madrid. Note that these benefits require enrollment through your account.

The Amex Gold Card also offers up to $120 in Uber Cash annually (up to $10 each month) when you add your card to your Uber account and use an American Express card for the transaction — and this applies to Uber Eats as well as Uber rides. $10 per month may not seem like much, but delivery fees add up quickly, so every bit helps. I personally love the Amex Gold for its combo of strong rewards and these extra monthly perks. I’m able to justify two delivery orders per month — one with the Uber credit and one with the $120 annual dining credit — and feel a little less guilty in the process.

Types of Dining Credit Cards 

As mentioned above, not all dining credit cards are created equal. One main differentiator is the type of rewards they earn (cash back or points), but some co-branded options earn bonus rewards for dining purchases with a specific platform.

Here are the three main categories:

• Cash-back dining credit cards: These cards earn cash back on dining purchases. One popular example is the Capital One Savor Card, which earns 3% cash back on dining. It also earns 3% back at grocery stores, and on entertainment and popular streaming services, so this is an especially good choice if you want to maximize your cash-back earnings on virtually every food-related purchase you make.
• Flexible points dining credit cards: Rather than earning cash back, this type of dining credit card earns points that you can redeem for travel through the issuer’s platform or by transferring to partner programs. For example, the Chase Sapphire Preferred Card earns 3x Ultimate Rewards points on dining. You can redeem Ultimate Rewards for travel, gift cards, and more directly through Chase, or you can move them over to the program’s selection of airline and hotel transfer partners to get even more value toward travel.
• Co-branded dining credit cards: There aren’t too many dining credit cards that fall under this last category, but the main example can be a great option if you frequently order through DoorDash. The DoorDash Rewards Mastercard® earns 4% back on DoorDash and Caviar orders and 3% back on dining when purchased directly from a restaurant. It also comes with a free year of DashPass membership, which lowers delivery fees.

How To Maximize Restaurant and Dining Rewards 

To get the most out of dining rewards credit cards, make sure you follow these tips:

• Keep them in your wallet: Some credit cards don’t need a space in your wallet, since they only come in handy for occasional purchases like flights or online shopping. That’s not the case with dining cards; you’ll want to have them on hand whenever you’re out and about. I always keep the American Express® Gold Card and the Chase Sapphire Reserve in my wallet to ensure that I earn bonus points on every dining purchase. Sometimes, this has led to a surprise “double-dip” moment, such as when I used the Amex Gold to pay for dinner and drinks at a restaurant that happened to be eligible for the card’s Resy benefit. Getting a $50 credit on my account was a nice surprise.
• Add them to your delivery platform accounts: Virtually all dining cards include delivery platforms like DoorDash, Grubhub and Postmates in their bonus categories  — and some cards, like the Chase Sapphire Reserve, even offer promos and discounts for DoorDash. To get the full benefits, make sure you have the relevant card loaded into your delivery account. Otherwise, you’ll miss out on savings.
• Keep track of statement credits: Dining rewards cards that come with statement credits also come with higher annual fees. To make sure that the annual fee is worth it, you should stay on top of all available statement credits and make sure you take full advantage. That could mean putting a reminder in your calendar to use the monthly dining credit on the Amex Gold, or adding an alert to make sure you use the Chase Sapphire Reserve’s $300 dining credit, which is broken up into two credits of up to $150 (one from January through June and one from July through December). 

Alternatives To Consider 

We covered the top dining credit cards above, but there are a few more options that could make sense, especially if you’re a loyalist with the associated hotel or airline.

• Citi Custom Cash® Card : This no-annual-fee card earns 5% back on your top eligible spend category each billing cycle on up to $500 spent (then 1%), and restaurants are among the eligible categories. 5% cash back is a great rate of return, and, conveniently, it applies to your top eligible category on a month-by-month basis, so even if you don’t spend a lot on restaurants in one month, you’ll still get 5% back on something else.
• Marriott Bonvoy Brilliant® American Express® Card: This is the most premium Marriott credit card, with a $650 annual fee, but if you’re a frequent Marriott guest, it’s worth it for the benefits and free night awards. As a bonus, the card comes with up to $300 in dining credits each year, awarded as up to $25 per month. This applies to purchases made at restaurants worldwide, so it’s easy to take advantage. 
• Other Amex cards with dining credits: 
  • American Express Platinum Card®: The Amex Platinum, an advertising partner, offers benefits that are mainly travel-focused, but it also throws in an annual $400 Resy credit, divided into quarterly credits of up to $100 when you make an eligible purchase through U.S. Resy restaurants after enrolling your card.
  • Delta SkyMiles® Reserve American Express Card: The Delta Reserve, an advertising partner, is the premium-level co-branded Delta credit card from Amex, and in addition to a slew of Delta perks, it comes with up to $20 in U.S. Resy statement credits each month once you enroll your card.
  • Delta SkyMiles® Platinum American Express Card: One step down from the Delta Reserve Card, the Delta Platinum, an advertising partner, also offers a U.S. Resy credit: up to $120 in annual credits (up to $10 per month) when you enroll your card.

The information related to Citi Custom Cash® Card , Chase Sapphire Reserve®, Marriott Bonvoy Brilliant® American Express® Card, DoorDash Rewards Mastercard® and U.S. Bank Altitude® Go Visa Signature® Card was collected by CardCritics™ and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardCritics™ does not receive a commission for these products.