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The Best Dining Credit Cards for Foodies of 2021

Dining rewards are among the most sought-after bonus category in credit cards. After all, who doesn’t like to eat – so why shouldn’t you get rewarded for enjoying your favorite foods? With National Eat What You Want Day on the horizon, here are our top dining credit cards for foodies when dining in, taking out, or however you want to stuff your face!

The Five Best Dining Credit Cards for Foodies of 2021

Here are our top five restaurant and delivery credit cards for foodies everywhere for 2021:

While the American Express® Gold Card carries a hefty annual fee of $250, the value it offers diners is difficult to ignore. The Gold Card earns an impressive 4X Membership Rewards points on global dining – making it a versatile foodie card no matter where your journey takes you. Even better, those 4X points also apply to takeout and delivery services – meaning you can veg out on the couch and enjoy gourmet eats – and still earn 4X points.

Amex charge cards typically come with a dizzying array of statement credits – and the Gold Card is no different. One of the best credits for foodies is the $120 annual statement credit for Uber. Cardholders that register their Gold Card as a payment option through their Uber or UberEATS account receive a $10 credit automatically every month.

Other notable reasons to consider getting the Gold Card from American Express include:

  • A 60,000-point sign-up bonus after making $4,000 in eligible purchases in the first six months after account opening.
  • 4X points at U.S. supermarkets (up to $25,000 per year).
  • 3X points on flights booked directly with airlines or on
  • No foreign transaction fees.

The Capital One® Savor® Cash Rewards Card is one of the best dining and entertainment credit cards on the market today. The card, which carries a relatively modest $95 annual fee, earns an impressive 4% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases.

As detailed in our comprehensive Savor review, the Savor easily recoups that $95 yearly charge with just $198 in dining purchases every month – an easy task for the well-seasoned foodie. And since the card also earns 2% back on groceries, it offers plenty of value for those who prefer to dine out or create their own culinary delights at home.

The Savor also comes with a complementary food delivery membership through Postmates. This benefit offers $99 in value, quickly recouping the annual fee – and saving cardholders money while earning 4% back on their order!

Other notable features of the Savor Cash Rewards include:

  • A $300 cash back bonus after making $3,000 in eligible purchases in the first three months of account opening.
  • Rewards never expire.
  • No foreign transaction fees.
  • World Mastercard benefits and protections.

The U.S. Bank Altitude® Go Visa Signature® Card is the only no annual fee card to feature on the list. The card, part of U.S. Bank’s Altitude line of travel cards, earns 4X points per $1 spent on takeout, dining, and food delivery and 2X points per $1 spent at grocery stores, grocery delivery, streaming services and gas stations.

The fact that the Altitude Go earns similar rewards to cards like the capital one Savor while not charging an annual fee is very impressive – and tempting for potential applicants. It might not have the Postmates subscription rebate of the Savor, but that is more than made up for with the lack of a yearly membership fee, plus 0% intro APR on purchases and balance transfers for the first 12 billing cycles.

The U.S. Bank Altitude® Go also comes with a 20,000-point sign-up bonus after making just $1,000 in purchases within the first 90 days – a $200 value. Other features include:

  • $15 credit for annual streaming service purchases.
  • Points never expire.
  • No foreign transaction fees.
  • Visa Signature protections and benefits.

The Hilton Honors American Express Surpass® Card is a hotel rewards card that offers so much value for its modest $95 annual fee. Part of that value comes from the 6X points it earns at U.S. restaurants (including takeout and delivery services, plus 6X at U.S. grocery stores and gas stations. The card also earns 12X points on eligible purchases at Hilton resorts and properties worldwide – in addition to the points available as a member of the Hilton Honors loyalty program.

Hilton Honors points aren’t as valuable as a flat rate of 1% cash back, but the 6X points on dining have an approximate value of 3.2% cash back on dining, groceries, and gas stations – not bad! Add the value with Hilton stays, and you have a versatile rewards card that can quickly help you get award nights at any of Hilton’s thousands of properties worldwide.

However, the Hilton Honors American Express Surpass® Card provides even greater value beyond a foodie’s cash back dream. The card also provides ten free airport lounge visits each year (upon enrollment) through priority Pass Select. That benefit is usually a $299 value – more than tripe the card’s $95 annual fee!

Other perks of the Surpass Card from American Express include:

  • Complimentary Hilton Honors Gold Elite status.
  • A free weekend night stay after making $15,000 in eligible purchases in a calendar year.
  • Up to 180,000 bonus points after meeting initial spending requirements.
  • No foreign transaction fees.

The Chase Sapphire Reserve® Is one of the most exclusive travel cards on the market today. One of the major selling points of the Chase Sapphire Reserve is the sheer number of points the card earns in key categories. Cardholders earn 3X points on travel and dining. Even better, those points are earnable at any restaurant worldwide.

Sure, 3X points on dining are not the same as the 4X the Gold Card receives – a card with an annual fee of $300 cheaper than the Reserves huge $550 annual price tag. But, the Sapphire Reserve offers a special bonus for cardholders who use their rewards to redeem for travel through the Chase Ultimate Rewards portal.

Chase also has 1:1 point transfers with a huge range of airlines, including Southwest, United, Virgin Atlantic, JetBlue, Air France/ KLM, British Airways, and more. Sapphire Reserve cardholders can also transfer points at a 1:1 rate with IHG, Marriott, and Hyatt.

The Chase card also offers unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service, plus complimentary Lyft Pink, a $199 minimum value.

As you can see, the Sapphire Reserve is a different type of foodie credit card. It is a card that rewards foodies with a luxurious travel experience – and award flights/stays. What other luxury does the Sapphire Reserve provide? Here are some of the card’s perks:

  • Unlimited airport lounge visits through Priority Pass Select membership.
  • $300 annual travel statement credit.
  • Global Entry or TSA Precheck statement credit every four years.
  • $120 Peloton statement credit.
  • No foreign transaction fees.
  • Visa Infinite perks and protections.

Honorable Mentions

Hey foodies: want some more dining credit card options to consider? Here are two cards that just missed out on our top spots:


Capital One Venture Rewards Card

Through the Capital One® Venture® Rewards Credit Card, you’ll be able to earn an unlimited 2X reward miles per dollar spent on every purchase, every day, meaning there aren’t any annoying categories to memorize to maximize your miles.


American Express Green Card

The American Express® Green Card is a solid rewards card for those who frequently travel or dine out. The card earns triple points for every dollar spent on many travel and transit expenses (such as flights, hotels, taxis, rideshares, and more) as well as on restaurant purchases.

Featured photo by Michele Krozser/ Burst
About: Cory
Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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