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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. This applies to dining out, take-out meals and ordering in delivery via services like DoorDash, Seamless, GrubHub, Caviar, and Postmates. 

So, these are also the best credit cards for food delivery. 

It’s worth keeping in mind that the Chase Sapphire Reserve comes with annual DoorDash statement credits of $60 per year in 2020 and 2020 as well as a free year of DashPass which gives you free delivery and reduced service fees on orders of $12 or more with many restaurants. 

The American Express Gold Card comes with $10 in monthly credits which can be used at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, and most Shake Shack locations.

Finally, the Amex Platinum offers Uber credits which can be used at UberEats. You’d never get this card just for the dining credits, but the $15 monthly Uber credit (which gets increased to $35 in December) can be used for Uber Eats.

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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36 Cards Available:

Credit card

Citi Custom Cash Credit Card

Dining Multiplier: 5X

Annual Dining Limit: $6,000

Estimated Rewards Value :

7.50%

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Citi Custom Cash Credit Card

Dining Multiplier: 5X

Annual Dining Limit: $6,000

Calculator
Estimated Rewards Value :

7.50%

Offer: $200 in the form of 20,000 bonus ThankYou points when you spend $750 within 3 months

The Citi Custom Cash card earns ThankYou points which are worth a penny per point (1% cash back) unless you also have a Citi Premier card or Prestige in your Citi portfolio.

Assuming you do, then these should combine to your overall ThankYou pool once linked.

You will earn 5% cash back (as ThankYou Points) on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, with 1% cash back thereafter. You do not have to select anything at any time. It's automatic.

The eligible spend categories are:

  • Restaurants
  • Gas Stations
  • Grocery Stores
  • Select Travel
  • Select Transit
  • Select Streaming Services
  • Drugstores
  • Home Improvement Stores
  • Fitness Clubs
  • Live Entertainment.

You'll earn an unlimited 1% cash back on all other purchases.

The 5X applies to your top category each month.

O% Intro APR Offer - New Purchases and Balance Transfers

You'll get 15 months at 0% for both new purchases and, if you choose, balance transfers. After that, the variable APR will be 13.99% - 23.99%.

Please note: If you are finding this card in your results for our Rewards Optimization tool, due to system limitations the tool will calculate a maximum of $6,000 per year for your top categories at 5%, but it will not factor in exact monthly spend.

Offer: $200 in the form of 20,000 bonus ThankYou points when you spend $750 within 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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Annual Dining Limit: $150,000

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Estimated Rewards Value :

6.80%

Offer: Earn 70,000 Membership Rewards points when you spend $10,000 within first 3 months. Terms apply. (Rates and Fees)

The American Express® Business Gold card is a powerful earner for business owners with high spend on the included bonus categories.

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. Terms apply.

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.

Our page on the Amex Business Gold Card has the American Express definition of hardware, software, and cloud computing merchants.

Also, get a 25% rebate on airfare booked American Express Travel using Membership Rewards. Applies to all First/Business Class tickets and economy tickets with your one selected airline.

Offer: Earn 70,000 Membership Rewards points when you spend $10,000 within first 3 months. Terms apply. (Rates and Fees)
Credit card

American Express® Gold Card / Rose Gold Card

Dining Multiplier: 4X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

6.80%

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Annual Dining Limit: Unlimited

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Estimated Rewards Value :

6.80%

Offer: Earn 60,000 bonus Membership Rewards points when you spend $4,000 in 6 months. Terms apply. (Rates and Fees)

Is the American Express® Gold Card the best credit card for dining and groceries?

The Gold Card offers 4x Membership Rewards points at restaurants (including takeout and delivery) and at US supermarkets (up to $25,000 a year; 1X thereafter), as well as 3x on flights.

And at long last, American Express is once again offering both new and existing cardholders the opportunity to get the Rose Gold version of the Gold Card. (Simply select it when applying.)

It also offers $20 in monthly dining statement credits - $10 monthly at GrubHub/Seamless (and select other restaurants; enrollment required) and $10 in Uber Cash each month. Enrollment required / terms apply.

(Note that the airline incidental credits will no longer be offered after 2021 and are no longer available to new applicants.)

While many Amex bonus categories are US-only, this card earns 4x on all restaurants, including internationally.

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.)

It's also important to note that as a card product that American Express used to classify as "charge" - meaning that it has No Preset Spending Limit - so it is not counted against your 5 Amex credit card limit. The Gold Card will still be in the category of cards (former charge products) in which you can have up to 10. Those include the Green, Gold, Platinum, and Centurion.

Offer: Earn 60,000 bonus Membership Rewards points when you spend $4,000 in 6 months. Terms apply. (Rates and Fees)
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: 45,000 Membership Rewards when you spend $2,000 within 6 months. Terms apply.

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
Offer: 45,000 Membership Rewards when you spend $2,000 within 6 months. Terms apply.
Credit card

Citi Premier Credit Card

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

4.50%

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Citi Premier Credit Card

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

4.50%

Offer: 80,000 bonus ThankYou points when you spend $4,000 in 3 months

This card is an excellent general travel, dining, and grocery card with a low annual fee.

Citi ThankYou cards are great because they have a range of interesting and advanced airline partners that you can transfer your points to, including Avianca, Turkish, and Cathay Pacific.

There are frequent transfer bonuses as well. If you are looking to get started collecting ThankYou points, this is the best starter card for the program.

How Does the Citi Premier Earn Citi ThankYou Points?

  • 3X Points at Dining
  • 3X Points at Grocery Stores / Supermarkets
  • 3X Points on Gas
  • 3X Points on Flights and Hotels
  • 1X Points on All Other Purchases

Other ThankYou Premier Card benefits

  • The annual hotel savings benefit will give you $100 off a $500 prepaid hotel booking in the ThankYou travel portal.
  • No foreign transaction fees

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

Offer: 80,000 bonus ThankYou points when you spend $4,000 in 3 months
Credit card

Capital One Savor Cash Rewards Credit Card

Dining Multiplier: 4X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

4.00%

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Annual Dining Limit: Unlimited

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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, streaming and entertainment, as well as 3% in groceries and 1% everywhere else.

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

US Bank Altitude® GO Review

Dining Multiplier: 4X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

4.00%

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US Bank Altitude® GO Review

Dining Multiplier: 4X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

4.00%

Offer: Get $200 (in the form of 20,000 points) when you spend $1,000 in your first 90 days

With 4% cash back on dining, including takeout and delivery, 2% back on groceries, streaming, and gas, and no annual fee, our review is that the Altitude GO is a surprisingly strong card.

Card Features:

  • 4% cash back on dining, including takeout and delivery
  • 2% cash back on grocery stores and grocery delivery, streaming services and purchases at gas stations
  • 1% cash back on everything else
  • No annual fee
  • No foreign transaction fees
  • A one-time $15 streaming service credit after 11 months of streaming service purchases.

0% Intro APR for 12 Months on the Altitude GO card

New cardmembers will get a 0% APR on new purchases and on balance transfers for 12 months. A 3% fee applies to balance transfers.

US Bank Altitude GO Credit Card Review

The bottom line is that 4% cash back on dining, including takeout, dine-in, and delivery, is extremely strong for a credit card without an annual fee. It compares to the Capital One Savor card, though that card carries an annual fee.

Beyond the 4% cash back on dining, the 2% and 1% categories aren't special, especially considering the Citi Double Cash earns 2% back on everything, all of the time. But we can't think of another card earning 4% back on dining without an annual fee.

This card is for people with a very strong credit profile. You should have a 720 or better FICO to apply for this card.

Offer: Get $200 (in the form of 20,000 points) when you spend $1,000 in your first 90 days
Credit card

Hilton Honors Aspire® Credit Card

Dining Multiplier: 7X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.50%

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Hilton Honors Aspire® Credit Card

Dining Multiplier: 7X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.50%

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

Get complimentary top-tier Hilton Diamond status, an annual $250 Hilton Resort credit, an annual $250 airline incidental fee credit, and a Free Weekend Night Award.

Also includes Priority Pass Select Airport Lounge Access for you and up to 2 guests per visit at no additional charge. (Enrollment required).

Earn Rate:

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.

Only in 2021 - Additional Hilton Aspire Benefits 

  • Bonus points earned through eligible purchases, if they post to the card member’s Hilton Honors account by Dec. 31, 2021, will be classified as base points and will count toward elite tier qualification and lifetime Diamond status.
  • Unexpired and newly issued free weekend night certificates can temporarily be used on any night of the week.
  • All newly issued Free Weekend Night Reward certificates issued after Jan 1, 2021 will be valid through December 31, 2022.

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

The Hilton Honors American Express Business Card

Dining Multiplier: 6X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.00%

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Annual Dining Limit: Unlimited

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Estimated Rewards Value :

3.00%

Offer: Earn up to 180,000 Hilton Honors bonus points: Earn 130,000 points when you spend $2,000 in your first 3 months. Then earn an extra 50,000 points after you spend a total of $10,000 in your first 6 months. Terms apply. (Rates and Fees)

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

Also, you'll receive 10 free airport lounge visits each year with included free Priority Pass Select membership. (Enrollment required.)

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: Earn up to 180,000 Hilton Honors bonus points: Earn 130,000 points when you spend $2,000 in your first 3 months. Then earn an extra 50,000 points after you spend a total of $10,000 in your first 6 months. Terms apply. (Rates and Fees)
Credit card

Hilton Honors Surpass® Credit Card

Dining Multiplier: 6X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.00%

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Hilton Honors Surpass® Credit Card

Dining Multiplier: 6X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: Earn up to 180,000 Hilton Honors bonus points: Earn 130,000 points when you spend $2,000 in your first 3 months. Then earn an extra 50,000 points after you spend a total of $10,000 in your first 6 months. Terms apply. (Rates and Fees)

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: Earn up to 180,000 Hilton Honors bonus points: Earn 130,000 points when you spend $2,000 in your first 3 months. Then earn an extra 50,000 points after you spend a total of $10,000 in your first 6 months. Terms apply. (Rates and Fees)
Credit card

Capital One SavorOne

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.00%

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Capital One SavorOne

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: Get a $200 cash bonus when you spend $500 within your first 3 months.

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

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

Offer: Get a $200 cash bonus when you spend $500 within your first 3 months.
Credit card

Wells Fargo Propel American Express Card

Dining Multiplier: 3X

Annual Dining Limit: Unlimited

Estimated Rewards Value :

3.00%

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Annual Dining Limit: Unlimited

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Estimated Rewards Value :

3.00%

Offer: Get 20,000 bonus points when you spend $1,000 in your first 3 months.

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

It earns 1x elsewhere.

These points can be used in their travel portal to purchase travel of almost any kind.

The Wells Fargo Propel credit card also provides complimentary cell phone insurance. There are no foreign transaction fees, either.

New cardholders will get a 12 month introductory 0% intro APR period on both purchases and balance transfers. 14.49%-24.99% Variable thereafter. See Terms.

Offer: Get 20,000 bonus points when you spend $1,000 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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