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Best Credit Cards for Foodies (Best Cards for Restaurants)

Dining out is a wonderful experience, hence, the food, the scene, and less effort on your end make up a perfect evening.

However, in some cases, this experience can be very costly.

That is why, in this article, we will list the Best Credit Cards for Restaurants/dining out.

Also, we will list every piece of info you need to know about each card.Best Credit Cards for Foodies

Now, let’s begin.

Best Credit Cards for Dining Out

Below are the best Credit Cards for Dining Out:

Capital One SavorOne Cash Rewards Credit Card

  • Best for: Best for 3% dining and grocery rewards
  • Credit Score: Good/Excellent
  • Annual fee: $0
  • Welcome bonus: $300 cash bonus


  • 4% cash back on eligible categories
  • Entertainment is a rare rewards category
  • No foreign transaction fees
  • Unlimited reward earnings


  • Annual fee
  • No introductory APR for purchases or balance transfers
  • Higher standard APR

The Capital One SavorOne Rewards card is one of the best credit cards for restaurants.

It’s mostly for those who prefer not to pay an annual fee.

Hence, this card offers the highest rewards rate for restaurants (3%).

Also, the SavorOne is useful aside from restaurant spending, It offers 3% rewards on entertainment (like movies), 2% on grocery stores, and 1% on everything else.

Chase Sapphire Reserve

  • Best for: Best for Fine Dining & International Dining
  • Credit Score: Good/Excellent
  • Annual fee: $550
  • Welcome bonus: 60,000 Points


  • High rewards rate
  • Luxury perks
  • Premium travel protections
  • Transfer partners
  • Primary rental car coverage


  • High annual fee
  • Requires excellent credit

The Chase Sapphire Reserve is a great option for those who prefer the finer things in life.

It is the ultimate luxury credit card, it offers a lot benefits and premium perks.

Also, it is a great option for those who like to travel and eat out a lot, as most of its perks focus on travel & dining.

Hence, cardholders can earn 3x points per $1 spent on all dining and travel purchases.

These points are worth between 1 cent and 1.5+ cents each, so this is the same as earning up to 4.5% back or more on all dining spending.

Wells Fargo Propel

  • Best for: Best Signup Bonus with No Annual Fee
  • Credit Score: Good/Excellent
  • Annual fee: $0
  • Welcome bonus: 20,000 points
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  • No annual fee
  • Bonus categories
  • No reward caps
  • Cell phone insurance
  • New cardholder bonus offer


  • No free checked bags
  • No free anniversary night
  • Also, no luxury perks
  • Requires good/excellent credit

The Wells Fargo Propel card is a great credit card from American Express for restaurants, and other categories also.

It offers a 3% back on dining, travel, bars, gas, transit, streaming services, etc.

Hence, cardholders earn a signup bonus of 20,000 points (worth $200), despite having no annual fee.

All you have to do is to spend only $1,000 in the first 3 months, which is very easy to meet.

American Express Gold Card

  • Best for: Best for Takeout
  • Credit Score: Good/Excellent
  • Annual fee: $250
  • Welcome bonus: 60,000 Points


  • Bonus categories
  • Transfer partners
  • Flexible rewards redemption


  • Has annual fee
  • Complicated rewards
  • Requires good/excellent credit

The American Express Gold Card is a luxury credit card that’s great for dining out.

It comes with a $10 per month credit to use at GrubHub, Seamless, and other delivery services.

Hence, it is a perfect credit card for foodies, especially for those who like to order takeout.

also, you can earn 4x points on all restaurant orders, 4x rewards on supermarkets, and 3x points on select travel charges.

Uber Visa from Barclays

  • Best for: Best for Uber Users
  • Credit Score:
  • Annual fee: $0
  • Welcome bonus: $100 in Uber Cash if you spend $500 in first 90 days


  • Points don’t expire
  • No limits on how many points you can earn
  • Cashback is valued at 1 cent per point
  • You can apply for other promotions on top of your Uber credits


  • Uber Cash can only be used for Uber purchases
  • Can’t transfer points to other accounts
  • 500 minimum for Uber credit redemptions

Sadly, this credit card is no longer available, but it is a good option for foodies.

It offers good rewards and perks, but these rewards can only be used on Uber rides.

Also, you can earn 3% on dining out and bars, plus 5% on orders through Uber Eats.

Costco Anywhere Visa

  • Best for: Best for Costco Members
  • Credit Score: Excellent
  • Annual fee: $0
  • Welcome bonus: N/A


  • High rewards rates in bonus categories
  • No foreign transaction fee
  • Use the Costco Anywhere Visa card as your Costco membership ID


  • needs an active Costco membership
  • Rewards can only be cashed out at Costco via an annual certificate
  • Certificate expires at year-end
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The Costco Anywhere Visa Card from Citi is a perfect credit card for dining out.

However, it is available solely to Costco members, and the card has no annual fee.

Hence, you’ll need to pay at least $60 per year for the Costco membership.

Also, you can earn 4% on gas, 3% on dining and travel, 2% on Costco purchases, and 1% everywhere else.

Citi Double Cash

  • Best for: Best for Everyday Purchases
  • Credit Score: Excellent, Good
  • Annual fee: $0
  • Welcome bonus: $200


  • Earn up to 2% cash back—1% when the purchase is made and 1% when payment is made on the account
  • No limit on the amount of cashback that can be earned
  • No annual fee
  • Introductory APR period for balance transfers


  • Foreign transaction fee
  • Balance transfer fee
  • Lack of benefits seen in other no-annual fee cards
  • No introductory 0% APR on purchases

The Citi Double Cash card is a good credit card for foodies.

It offers 2% on every purchase, whether it’s a meal out, a cab fare, or a Christmas gift.

U.S. Bank Altitude Go Visa Signature Card

  • Best for Best No Annual Fee Card for Restaurants
  • Credit Score: Excellent, Good
  • Annual fee: $0
  • Welcome bonus: 20,000 points


  • No foreign transaction fee
  • No penalty APR
  • No annual fee
  • Bonus categories


  • Has a balance transfer fee
  • No bonus reward tier for entertainment spending
  • Complicated rewards

The U.S. Bank Altitude Go Visa Signature Card is a great credit card option for dining out.

It offers 4X points on dining, takeout, and restaurant delivery.

also, a 2X points on streaming services, alongside a  $15 credit for annual streaming purchases like Netflix, Hulu, Spotify, Apple Music, Disney+, HBO Max, etc.

That’s not all, you also earn 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations.

Lastly, you earn a 1X point on all other eligible purchases.

Chase Freedom Unlimited

Best for Dining Purchases and High Flat-Rate Everyday Purchases

Credit Score: Excellent, Good

Annual fee: $0

Welcome bonus: Up to $300 cash back


  • No annual fee
  • Intro APR period
  • High rewards rate
  • No minimum redemption amount


  • Requires good/excellent credit
  • Foreign transaction fee
  • The ongoing balance transfer fee is high
  • Requires a companion card to transfer points to travel partners

Chase Freedom Unlimited is a great credit card option for foodies.

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Hence, you can earn 3% cash back on restaurant and drugstore purchases, 5% back on travel booked through Chase, and 1.5% back on other purchases.

Dining Rewards Programs

Most airlines and other rewards programs offer dining rewards at specific restaurants.

Hence, below are some airlines that offer these dining programs:

Alaska Airlines

American Airlines

Delta Airlines


Southwest Airlines

United Airlines

Happy Hours, Lunch Specials & More

To save money on restaurants, take note of the happy hours, lunch specials and other deals.

These deals are a fun way to relax after a long day, and also can offer fantastic value.

So, be sure to look out for high-end restaurants to see if they offer lunch.

Stock Up on Gift Cards

Some restaurants often discount or special deals on gift cards, mainly around the holidays.

For instance, they may offer an extra $10 gift reward when you purchase $100 in gift cards.

These deals are sole to inspire people to give gift rewards to others.


We hope we’ve been able to give you all the info you need on the Best Credit Cards for Restaurants/dining out.

Hence, if you have any questions, please leave a comment.


  • Christian Ehiedu

    I write for Educational, Financial, technology, and social media content producers. I am deep into doing credible research that will benefit you the reader. You can contact me on Tumblr, Chris Adam Facebook, Shopfortool Pinterest Account. I am a Technician and a woodworker. I have lots of years of experience in Technical work. I did some per time work at an electrical store. Having gathered lots of experience in the use of various tools link Mechanic Tools, Woodworking Tools, Power Tools, and Plumbing tools, I decided to put up this blog to help advise intending buyers or new biz on the right tools to buy on the market. My social Handle: