Best Credit Cards for Restaurants and Dining Out

When deciding what the best credit card for your wallet is, consider what you’ll be spending the most on every day. If you’re someone who eats out for lunch regularly or wants to dine out on a budget, make sure you find the best dining rewards credit card to match your needs.

Review this list of the best credit cards for restaurants to narrow down your options and learn about the best rewards credit cards available.

Discover it Cash Back

The Discover it Cash Back card could be the best credit card for restaurants. The card boasts a sizable 5 percent cash back on rotating offers like restaurants, grocery stores and gas stations. In addition, this Discover card offers a cash-back match at the end of your first year — which means more money for dining out.

Discover it Cash Back isn’t just the best credit card for restaurants; this card is also great for people who need a balance-transfer credit card. Get 0% APR for the first 14 months. Read a complete review of the Discover it card.

Savor Rewards From Capital One

The Capital One Savor Rewards credit card is a top contender for the title of the best dining credit card. This card allows you to earn an unlimited 4 percent cash back on dining and entertainment, 2 percent at grocery stores and 1 percent on everything else. You will savor the rewards even more by earning a one-time $500 cash bonus when you spend $3,000 on purchases in the first three months of your account opening. This card is the best credit card for dining out if you will be spending enough to offset the annual fee of $95.

SavorOne Rewards From Capital One

The Capital One SavorOne Rewards credit card is the best dining credit card — especially if you are looking for a card with no annual fees. This card offers 3 percent cash back on dining and entertainment, 2 percent cash back on grocery purchases and 1 percent for everything else. This contender for best dining rewards credit card offers a $150 cash bonus after you spend just $500 on purchases within the first three months of the account opening. If you are looking for a card that offers 0% APR for the first 15 months, no annual fee and cash back on dining, this one could be your ticket to big savings.

Related: Best Capital One Credit Cards

Wells Fargo Propel American Express Card

The Wells Fargo Propel American Express Card makes the list for the best credit card for restaurants by offering 3x points on ordering out, dining in, gas, ride-shares, flights, hotels, transportation, homestays and streaming services. If you spend $3,000 in the first three months, you will earn 30,000 bonus points — which is equal to a cash redemption value of $300. This is the best dining credit card if you like earning points on a variety of purchases. It’s also ideal if you prefer holding a card with no annual fee and 0% APR for a full year. See a full roundup of the best Wells Fargo credit cards.

Chase Freedom

The Chase Freedom card gives you the freedom to earn 5 percent cash back on up to $1,500 in combined purchases in specific bonus categories each time you activate, as well as 1 percent cash back on all other purchases. This could potentially be the best dining credit card if you activate the 5 percent bonus rewards during months where dining becomes available as a category. You can also earn a $150 bonus after spending $500 on purchases in the first three months from the account opening. This card is for you if you want a card with an annual fee of $0 and a 0% intro APR for 15 months on purchases and balance transfers. The $150 bonus could fund the purchase of a fancy feast.

Which Card Is Better? Chase Freedom vs. Chase Freedom Unlimited

The Citi Double Cash Card

The Citi Double Cash Card has a plain and simple point breakdown. Earn 2 percent cash back in total on purchases — 1 percent when you buy and 1 percent as you pay off your balance. This makes it one of the best cash-back credit cards. The Citi Double Cash Card is also one of the best dining rewards credit cards, especially if you want to earn rewards for everything you buy. This Citi card also offers no annual fee and a 0% intro APR for 18 months on balance transfers. Although you won’t earn any bonus cash for spending a certain amount, you can reap plenty of rewards by earning double cash back — enough money for double the dinner.

Discover it Gas and Restaurants

For those looking for the best credit card for restaurants, look no further than the Discover it Gas and Restaurants card. This card gives you 2 percent back on what you spend the most on every day — like dining and gasoline purchases of up to $1,000 every quarter — and 1 percent on everything else. On top of the 2 percent cash back, this Discover card will match all of the cash back you have earned at the end of your first year. This card is best for people looking to be rewarded for spending money at restaurants and looking for a card with no annual fee and a 0% APR for the first 14 months on purchases and balance transfers. See how Discover it Gas and Restaurants compares to the best Discover credit cards.

Chase Sapphire Preferred

If you’re looking for the best credit card for dining out that also allows you to earn rewards for travel, look no further than the Chase Sapphire Preferred card. This card allows you to earn two points on dining worldwide and two points on travel — like airfare and hotels. This dining rewards card also gives you 50,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. This is a contender for being one of the best credit cards for restaurants because it offers a high point structure on dining and travel and bonus rewards. This card does have a $95 annual fee, so if you see yourself spending enough to offset the cost of the annual fee and you like to try cuisine while around the world, then this card is for you. Compare the Sapphire Preferred to other Chase credit card options.

AARP Credit Card From Chase

The AARP Credit Card from Chase makes our list of the best dining credit cards because it gives users a whopping 3 percent cash back on purchases at restaurants, including fine dining and fast food. Not only will you receive healthy rewards for purchases at restaurants, but you will also earn 3 percent on purchases at gas stations. As a bonus offer, you can earn $100 in bonus cash after spending $500 on purchases in the first three months of your account opening. This card is best for people looking to earn an unlimited 3 percent on dining and gas purchases for a $0 annual fee.

Uber Visa Card

The Uber Visa Card should be on your radar as one of the best credit cards for dining out. The Uber Visa Card offers 4 percent back on purchases made through Uber Eats and at restaurants and bars — giving you more spending power every time you eat. The card also offers 3 percent back on hotels, airfare and vacation home rentals; 2 percent back for online purchases, including Uber, online shopping, and video and music streaming services; and 1 percent back on all other purchases. Read a detailed Uber Visa Card review.

Besides the wide array of ways to earn points, you will also receive up to a $50 credit for online subscription services after you spend $5,000 or more on your card per year, and up to $600 for mobile phone damage or theft when you pay your mobile phone bill with your card. The card has no foreign transaction fees. This card is best for someone who is always ready to eat and wants a card with no annual fee.

Read more about how foodies can make the most of their credit cards.

More on Credit Cards

We make money easy.

Get weekly email updates, including expert advice to help you Live Richer

.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of GOBankingRates alone and have not been reviewed, approved or otherwise endorsed by the companies included in the article. All fees and rates are subject to change at the issuers’ discretion. Some interest rates might be short-term or promotional offers only, and it is possible additional terms and conditions must be met in order to obtain the interest rates listed. Rates and availability might vary by region. Verify terms and conditions before opening an account.

GOBankingRates bases its assessment of “best” and “top” products on the above-stated parameters to create a baseline for comparison. This assessment is an approximation of “best” and “top” designed to help consumers find products that might be appropriate for them. There could be other options available as well. Consumers should consider various options appropriate for their personal circumstances.

The information related to Wells Fargo Credit Cards has been collected by GOBankingRates.com and has not been reviewed or provided by the issuer or provider of this product or service.

This article originally appeared on GOBankingRates.com: Best Credit Cards for Restaurants and Dining Out