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Dining

Who doesn’t love to eat? Whether it’s fine dining or fast food, these credit cards offer the best returns on your spend for purchases made when you are dining out at restaurants.

You can view business credit cards, personal credit cards, or both. Or find the best credit card for any other bonus category.

The “Estimated Rewards Value” shown represents the average return you can expect on that spend, factoring in the bonus multiplier and the Your Best Credit Cards valuation of the specific mile or point earned by that card. This represents the return you can expect to get if you spend some time to learn about that particular rewards program and is not a minimum or guaranteed return.

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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25 Cards Available:

Credit card

Citi Prestige

Dining Multiplier: 5X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

7.50%

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Citi Prestige

Dining Multiplier: 5X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

7.50%

Offer: Get 50,000 bonus ThankYou points when you spend $4,000 in your first 3 months.

Earn 5x Citi ThankYou points on Restaurants and Air Travel, 3x on Hotels and Cruise Lines, and 1x everywhere else. You'll also get the 4th Night Free on 2 hotel bookings per year (restrictions apply).

You'll pay up for this card, though, in the form of a $495 annual fee.

You'll also get a $250 travel credit every calendar year and Priority Pass airport lounge access.

This card is subject to Citi's 1/24 restriction, therefore you may wish to consider the Citi Premier card before applying, as you can only get one bonus or the other within 24 months.

For the purposes of valuing the rewards on this card, "Other Travel" is counted as Cruises which earn 3x points.

Offer: Get 50,000 bonus ThankYou points when you spend $4,000 in your first 3 months.
Credit card

American Express Business Gold Card

Dining Multiplier: 4X

Annual Dining Limit: $150,000

Estimated Rewards Value :

6.80%

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American Express Business Gold Card

Dining Multiplier: 4X

Annual Dining Limit: $150,000

Calculator
Estimated Rewards Value :

6.80%

Offer: Get 35,000 Membership Rewards points when you spend $5,000 within 3 months

You will earn 4 points per dollar on any 2 out of 6 categories, automatically selected each calendar month based on which ones you spent the most on, up to $150,000 per year.

Categories include airfare purchased directly with airlines, US advertising and media, US gas stations, US hardware/software/cloud computing services, US restaurants, and US shipping.

Also, get a 25% rebate on airfare paid on points with your card.

Offer: Get 35,000 Membership Rewards points when you spend $5,000 within 3 months
Credit card

American Express Gold Card

Dining Multiplier: 4X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

6.80%

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American Express Gold Card

Dining Multiplier: 4X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

6.80%

Offer: 35,000 bonus Membership Rewards points when you spend $4,000 in 3 months

This game-changing card offers 4x Membership Rewards points on restaurants and supermarkets, as well as 3x on flights. It also offers $10 in monthly dining credits (see card details for more information) and $100 in annual airline incidental credits.

American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

Offer: 35,000 bonus Membership Rewards points when you spend $4,000 in 3 months
Credit card

Chase Sapphire Reserve

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

5.25%

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Chase Sapphire Reserve

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

5.25%

Offer: 50,000 Ultimate Rewards points when you spend $4,000 in 3 months

The card that re-revolutionized points-earning credit cards, the Chase Sapphire Reserve is a high-end travel rewards card that unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners and offers rich benefits for a frequent traveler.

It offers 3x Ultimate Rewards points on travel and dining. It provides a 50% boost in point value within the Chase portal and you get an annual $300 travel credit each card year which greatly offsets the card's annual fee.

Offer: 50,000 Ultimate Rewards points when you spend $4,000 in 3 months
Credit card

American Express Green Card

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

5.10%

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American Express Green Card

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

5.10%

Offer: 30,000 Membership Rewards when you spend $2,000 within 3 months and a $100 credit towards an Away purchase valid in your first 3 months

The biggest feature of this card is 3X American Express Membership Rewards points on Travel, Transit and Dining.

The new Amex Green card also comes with a few annual credits:

  • $100 credit towards a CLEAR membership for expedited airport security lines.
  • $100 credit to Lounge Buddy (airport lounges - a competitor to Priority Pass lounge access
  • And for a limited time, as part of the Welcome Bonus, you'll get a $100 credit towards Away luggage.
Offer: 30,000 Membership Rewards when you spend $2,000 within 3 months and a $100 credit towards an Away purchase valid in your first 3 months
Credit card

Savor Rewards Credit Card

Dining Multiplier: 4X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

4.00%

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Savor Rewards Credit Card

Dining Multiplier: 4X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

4.00%

Offer: $300 when you spend $3,000 in 3 months

This card offers high bonus cash back categories at 4% in dining and entertainment, as well as 2% in groceries and 1% everywhere else.

Offer: $300 when you spend $3,000 in 3 months
Credit card

Chase Ink Business Cash

Dining Multiplier: 2X

Annual Dining Limit: $25,000

Estimated Rewards Value :

3.50%

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Chase Ink Business Cash

Dining Multiplier: 2X

Annual Dining Limit: $25,000

Calculator
Estimated Rewards Value :

3.50%

Offer: Get $500 in the form of 50,000 Ultimate Rewards points when you spend $3,000 in your first 3 months

This card generously offers an excellent 5x on up to $25,000 annually at office supply stores and on internet, cable, and phone services. It also offers 2x on up to $25,000 annually at gas stations and restaurants.

Businesses with a lot of spend at office supply stores like Staples and Office Depot can really clean up.

Please note: The Estimated Rewards Value of an Ultimate Rewards point earned from this card assumes that you have a Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve as well, which allows portal redemptions worth 1.25 - 1.5 cents per point and the opportunity for even greater value with airline and hotel transfer partners. If you do not have one of these cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $500.

Offer: Get $500 in the form of 50,000 Ultimate Rewards points when you spend $3,000 in your first 3 months
Credit card

Hilton Honors Aspire Card from American Express

Dining Multiplier: 7X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.50%

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Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.50%

Offer: Get 150,000 bonus Hilton Honors Bonus Points after you spend $4,000 in your first 3 months.

Get complimentary top-tier Hilton Diamond status, an annual $250 Hilton Resort credit, an annual $250 airline incidental fee credit, and the opportunity to earn annual Free Weekend Night Awards from spend.

Earn 14x Hilton Honors points at Hiltons; 7x points on flights booked directly with airlines, car rentals booked direct, and US restaurants; and 3x points everywhere else.

NOTE: For the purposes of calculating your expected rewards for this card, we are assuming that the spend you put in "Hotels" is all spent at Hilton portfolio hotels and resorts. If some is spent at other hotels, your actual rewards will be slightly lower.

Offer: Get 150,000 bonus Hilton Honors Bonus Points after you spend $4,000 in your first 3 months.
Credit card

Chase Sapphire Preferred Card

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.50%

Calculator

Chase Sapphire Preferred Card

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.50%

Offer: 60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months

Perhaps the best starting out card in miles and points.

The Chase Sapphire Preferred has a low annual fee, unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners, comes with excellent built-in trip delay insurance, primary car rental CDW coverage and earns 2x points on travel and dining.

Offer: 60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months
Credit card

The World of Hyatt Credit Card

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.20%

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The World of Hyatt Credit Card

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.20%

Offer: Up to 50,000 bonus World of Hyatt Points: 25,000 Bonus Points when you spend $3,000 in your first 3 months and 25,000 more when you spend $6,000 total within the first 6 months.

Earn 4x World of Hyatt points at Hyatt, 2x at restaurants, airline tickets purchased directly, local transit and commuting, and fitness club and gym memberships.

The Hyatt card gives you a Category 1 - 4 night every card year at renewal and you can earn a second one with $15,000 spend. Additional benefits include automatic Discoverist status and 5 elite nights credited each calendar year as well as the ability to earn 2 elite nights for every $5,000 in purchases.

Keep in mind that all points earned on a Chase Sapphire Reserve or Chase Sapphire Preferred can also be transferred to World of Hyatt at a 1 to 1 ratio.

NOTE: In calculating your rewards for this card, we are making the assumption that all Hotel spend entered is spent on Hyatt. If part of that spend is on other hotel chains, that spend will earn only 1x on this card, reducing the value of your rewards.

Offer: Up to 50,000 bonus World of Hyatt Points: 25,000 Bonus Points when you spend $3,000 in your first 3 months and 25,000 more when you spend $6,000 total within the first 6 months.
Credit card

Citi Premier

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.00%

Calculator

Citi Premier

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: 60,000 bonus ThankYou points when you spend $4,000 in 3 months

This card is an excellent general travel and entertainment card with a low annual fee. It earns 3x on all travel and gas, and 2x on entertainment and restaurants.

Thank You points can be transferred to a variety of airline frequent flyer programs, such as Avianca, Etihad, and Cathay Pacific.

The entertainment bonus category is a rare one and will reward you if you spend a lot of money on things like concert tickets or Broadway shows.

Offer: 60,000 bonus ThankYou points when you spend $4,000 in 3 months
Credit card

Hilton Honors American Express Business Card

Dining Multiplier: 6X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.00%

Calculator

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: Get 125,000 Hilton Honors Bonus Points when you spend $3,000 in 3 months

Get Hilton Honors Gold Status, earn Free Weekend Night Awards based on annual spend, and earn Hilton Honors points on all purchases.

Earn bonus points on select business and travel categories: gas stations, wireless telephone service, shipping, restaurants, flights booked direct, and car rentals booked direct.

Note: Estimated Rewards Values shown throughout this site assume your hotel spend will be at Hilton brand hotels and resorts. If you have additional hotel spend not associated with Hilton, your actual return will be lower.

Offer: Get 125,000 Hilton Honors Bonus Points when you spend $3,000 in 3 months
Credit card

Hilton Honors Surpass Card from American Express

Dining Multiplier: 6X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.00%

Calculator

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: Get 125,000 extra Hilton Honors points when you spend $2,000 in your first 3 months.

This mid-tier Hilton card comes with complimentary Hilton Gold status.

It will allow you to earn 12x Hilton Honors points at Hilton; 6x at US restaurants, US supermarkets, and US gas stations; and 3x everywhere else.

There is also an opportunity to earn Diamond status and a free weekend night via card spend.

American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

Note: Estimated Rewards Values shown throughout this site assume your hotel spend will be at Hilton brand hotels and resorts. If you have additional hotel spend not associated with Hilton, your actual return will be lower.

Offer: Get 125,000 extra Hilton Honors points when you spend $2,000 in your first 3 months.
Credit card

SavorOne Rewards from Capital One

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.00%

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SavorOne Rewards from Capital One

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: Get a $150 cash bonus when you spend $500 within your first 3 months (ELEVATED OFFER)

This no-fee card offers food-centric cash back bonus categories.

Get 3% on dining and entertainment, 2% at grocery stores and 1% everywhere else.

Offer: Get a $150 cash bonus when you spend $500 within your first 3 months (ELEVATED OFFER)
Credit card

Wells Fargo Propel American Express Card

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.00%

Calculator

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: Get 30,000 bonus points when you spend $3,000 in your first 3 months.

The Propel offers 3x on gas stations, rideshares, transit, flights, hotels, car rentals, and some streaming services. 1x elsewhere.

These points can be used in their travel portal to purchase travel of almost any kind. The card also provides complimentary cell phone insurance.

Offer: Get 30,000 bonus points when you spend $3,000 in your first 3 months.
Credit card

Costco Anywhere Visa Card by Citi

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.00%

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Costco Anywhere Visa Card by Citi

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: None at this time

This Costco-branded card earns 2% cash back at Costco. It also earns an incredible 4% cash back at gas stations, both Costco and otherwise, for the first $7,000 per year. Additionally, it earns 3% cash back at restaurants and on travel.

You must have a Costco membership to be eligible for this card.

Offer: None at this time
Credit card

Citi / AAdvantage Platinum Select World Elite Mastercard

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.00%

Calculator

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: Get 50,000 AAdvantage miles when you spend $2,500 in your first 3 months

Get a free checked bag and preferred boarding on American Airlines. Earn 2x AAdvantage miles at gas stations and restaurants, as well as on American Airlines. Also earn a $100 flight discount after spending $20,000 and renewing your card.

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

Offer: Get 50,000 AAdvantage miles when you spend $2,500 in your first 3 months
Credit card

TD Bank TD Cash Visa Credit Card

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.00%

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TD Bank TD Cash Visa Credit Card

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: Get $200 cash back when you spend $500 in 90 days

With no foreign transaction fees, no annual fee, and 3% back on dining as well as 2% back on grocery stores, this card is an easy way to up your cash back game.

Please note that applications are only being accepted in the following states:  Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Vermont, Virginia, Washington, D.C.

If you are not in an approved state, please see our other cash back credit cards.

Offer: Get $200 cash back when you spend $500 in 90 days
Credit card

Marriott Bonvoy Business American Express Card

Dining Multiplier: 4X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

2.80%

Calculator

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

2.80%

Offer: Get 75,000 bonus Bonvoy points after spend $3,000 within your first 3 months

Earn Marriott Bonvoy points for all purchases. Earn 6x for stays at Marriott; 4x at restaurants, gas stations, shipping, and wireless telephone service; and 2x everywhere else. Get a free night award, silver status, and 15 elite credits annually.

If you stay at Marriott properties often, this card will offer a nice return on your spend on-property. The 15 elite nights annually can help you get to the next elite level.

Note: For the purposes of calculating your points and expected value, we assume all of your spend at "Hotels" will be at Marriott properties. You will only earn 2x points instead of 6x for spend at non-Marriott properties meaning that your Estimated Rewards Value would be lower than indicated.

Offer: Get 75,000 bonus Bonvoy points after spend $3,000 within your first 3 months
Credit card

United Explorer Card

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

2.60%

Calculator

United Explorer Card

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

2.60%

Offer: Earn up to 65,000 Bonus United Mileage Plus Miles: 40,000 bonus miles after you spend $2,000 in your first 3 months and 25,000 additional bonus miles after you spend $10,000 total in your first 6 months.

This United card offers a free checked bag for you and a travel companion (must pay with card) and priority boarding. You get two one-time United Club passes per card year, the Luxury Hotel and Resort Collection, and access to both Inside Access events and United MileagePlus Events. You earn 2x at restaurants, hotels purchased directly, and, of course, United. You can earn a PQD status waiver with $25,000 spend and, best of all, this card entitles you to expanded saver award availability on United flights.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on United and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn up to 65,000 Bonus United Mileage Plus Miles: 40,000 bonus miles after you spend $2,000 in your first 3 months and 25,000 additional bonus miles after you spend $10,000 total in your first 6 months.
Credit card

Hilton Honors Card from American Express

Dining Multiplier: 5X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

2.50%

Calculator

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

2.50%

Offer: Get 75,000 Hilton Honors Bonus Points when you spend $1,000 in the your first 3 months

This no-annual fee Hilton card comes with complimentary Hilton Silver status, earns bonus Hilton points on Hilton stays, US restaurants, US gas stations, and US supermarkets*.

*American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

NOTE: For the purposes of calculating your expected rewards, we are assuming that the spend you put in "Hotels" is all spent at Hilton portfolio hotels and resorts. If some is spent at other hotels, your actual rewards will be slightly lower.

Offer: Get 75,000 Hilton Honors Bonus Points when you spend $1,000 in the your first 3 months
Credit card

Blue Delta SkyMiles Credit Card

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

2.40%

Calculator

Blue Delta SkyMiles Credit Card

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

2.40%

Offer: Get 10,000 Delta SkyMiles when you spend $500 in 3 months.

This no-fee card gives you the option to earn 2 bonus Delta points on restaurants, as well as on Delta. You'll earn 1 point per dollar spent on everything else.

NOTE: This rewards calculator is assuming all of your airline spend is with Delta for the purposes of valuing your rewards for this card. If you spend across multiple airlines, your rewards will be lower as this card earns 2x on Delta purchases only.

Offer: Get 10,000 Delta SkyMiles when you spend $500 in 3 months.
Credit card

Disney Premier Visa Card

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

2.00%

Calculator

Disney Premier Visa Card

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

2.00%

Offer: $250 statement credit when you spend $500 in 3 months

Disney offers discounts on merchandise, select dining locations, and guided tours; and special perks to cardholders, including cardholder-only photo opportunities, character experiences, and special cardholder-only locations in Disney parks, exclusive cardholder-only events, exclusive early access to events and Broadway tickets, and 0% APR for 6 months from date of purchase on Disney vacation packages. Choose from 10 Disney card designs. Earn 2% DRD (Disney Reward Dollars) at restaurants, grocery stores, gas stations, and most Disney locations; earn 1% DRD everywhere else.

Offer: $250 statement credit when you spend $500 in 3 months
Credit card

IHG Rewards Club Premier Credit Card

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

1.00%

Calculator

IHG Rewards Club Premier Credit Card

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

1.00%

Offer: 80,000 bonus points when you spend $2,000 within three months of approval

The IHG credit card offers an annual anniversary free night, the fourth reward night free whenever you redeem for 4 or more nights, and Platinum status.

Earn 10x at IHG and 2x at gas stations, grocery stores, and restaurants. Also earn 10,000 bonus points when you spend $20,000 plus one additional purchase each card year.

NOTE: In calculating your rewards values for this card, we are making the assumption that all Hotel spend entered is spent on IHG. If part of that spend is on other hotels, that spend will earn only 1x on this card, reducing the value of your rewards.

Offer: 80,000 bonus points when you spend $2,000 within three months of approval
Credit card

IHG Rewards Club Traveler Credit Card

Dining Multiplier: 2X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

1.00%

Calculator

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

1.00%

Offer: 60,000 bonus IHG points when you spend $2,000 within 3 months

This is the no-fee version of the IHG Rewards Club Premier Credit Card, with somewhat reduced benefits in exchange for not having an annual fee.

The IHG credit card is best suited for spend at IHG properties where it earns IHG points at the rate of 5x IHG points per dollar (vs. 10x IHG points with the IHG Rewards Club Premier Credit Card).

This card still gives you the 4th Night Free on an Award Stay benefit which is one of the best reasons to have either IHG credit card, although you do give up many other features of the IHG Rewards Club Premier Credit Card which does have an annual fee.

Offer: 60,000 bonus IHG points when you spend $2,000 within 3 months

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