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? Here are our top dining credit cards for foodies when dining in, taking out, or however you want to stuff your face!
At a Glance
| Card | Best for | Rewards |
 DoorDash Rewards Mastercard® |
DoorDash | Earn 4% cash back on DoorDash and Caviar orders, 3% cash back on dining when purchased directly from a restaurant, 2% on groceries, and 1% on everything else. |
 Costco Anywhere Visa® Card by Citi |
Costco; bulk orders; cheap hotdogs | Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and eligible travel purchases, 2% on all other purchases from Costco and Costco.com, and 1% on everything else. |
 Citi Custom Cash℠ Card |
Everyday value; versatility; 0% APR | Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. |
 American Express® Gold Card |
Dining credits; maximizing points | Earn 4X Membership Rewards® points on U.S. dining, 4X on U.S. groceries (up to $25,000 per calendar year in purchases, then 1X), 3X on flights booked directly with airlines, and 1X on everything else. |
 Capital One® Savor® |
Unlimited rewards | Earn unlimited 4% back on dining & entertainment, plus 3% back on groceries, and 1% on all other purchases |
Why Choose a Dining Rewards Card?
Dining rewards credit cards offer rewards for every dollar spent on dining. Many of these cards also provide rewards for other categories, including things like gas, groceries, or travel. These dining cards can help you earn rewards and save money on your dining and travel expenses while also providing additional benefits and perks that can enhance your overall experience. However, it’s essential to choose a card that matches your unique spending habits and financial goals to make the most of the rewards and benefits provided.
What to Look for In Dining or Food Delivery Credit Card
You should consider your spending habits, lifestyle, and financial goal when applying for any credit card, but especially when it’s a dining credit card. That’s because there are a number of issues that can significantly impact the value you get. Here are some of the most important things to look out for:
| ① Annual fee | Some dining cards charge an annual fee. These cards provide slightly higher earning rates, but you need to weigh the annual cost with the points available. When in doubt, opt for a no annual fee credit card. |
| ② Rewards | Check to see what type of rewards each card offers. Some dining credit cards offer cash back or points for every dollar spent on dining, while others offer may provide multiple bonus categoires. |
| ③ Sign-up bonus | Dining credit cards usually come with a cash back or statement credit welcome offer yo new accounts. Make sure you fully understand the spending requirements, deadlines, and regulations of welcome bonusses before applying. |
| ④ Credits | Some cards provide statement credits for dining purchases, complimentary delivery memberships, and more. |
| ⑤ Payment network | Don’t forget to check if your favorite restaurants accept the card’s payment network (Visa, Mastercard, Amex, Discover). Some merchants do not accept Discover or Amex, for example, due to higher surcharges. |
| ⑥ Delivery | Food delivery services like Uber Eats, GrubHub, DoorDash, and more are growing in popularity. Some cards provide a complimentary or discounted subscription to these services. |
The Best Dining Credit Cards
Now that you know what to look for in your next dining credit card, what are the top picks to consider? Here are some of our favorite offers from leading banks:
DoorDash Rewards Mastercard®
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Earn 4% cash back on DoorDash and Caviar orders from hundreds of thousands of merchants on the DoorDash platform
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Earn 3% cash back on dining when purchased directly from a restaurant
☆ Earn 2% back on groceries, 1% on all else
☆ 10% off first DasMart order of $35+ each month
☆ No Annual Fee
The DoorDash Rewards Mastercard® is Chase’s co-branded food delivery card for people that can’t be bothered to cook. Unlike the Instacart Mastercard®, which provides savings on groceries and other items to assemble a meal, the DoorDash Mastercard prioritizes getting you the finished product – ASAP.
Chase’s dining and delivery credit card earns 4% cash back on DoorDash and Caviar orders, valid for hundreds of local merchants and eateries. Can’t find what you’re looking for on DoorDash? Never fear – you’ll earn 3% cash back on dining when purchased directly from a restaurant, online or in-store. Groceries earn 2% back, and all other purchases with the DoorDash Mastercard earn 1% back.
DashPass is DoorDash’s subscription service, offering exclusive savings, free delivery, and more. New accounts with the Chase DoorDash credit card also enjoy complimentary DashPass membership for the first year. This bonus is a $96 value.
Costco Anywhere Visa® Card by Citi
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Up to 4% cash back on gas, dining, travel, and more
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2% Cash back on all Costco purchases
☆ No Foreign Transaction Fees
☆ Redeemable As rewards certificate
☆ No Annual Fee w/Costco Membership
But what if you want to stock up on your pantries while grabbing a quick bite to eat? In that case, Citi has another cash back credit card for you – the Costco Anywhere Visa® Card by Citi. Costco is a bulk buyer’s best friend, with incredible value on groceries, home goods, clothing, electronics, and more. Cardholders earn an unlimited 2% cash back on all Costco purchases – including the famous $1.50 hot dog and soda combo.
The Costco Mastercard provides even more value, making it an excellent option for every day of the week. Cardholders earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% after that, 3% cash back on restaurants and eligible travel purchases, and 1% back on all other purchases.
The 3% back on dining, 2% back on Costco, and the lucrative gas rewards with the Costco Anywhere Visa® make it a versatile cash back dining card no matter the size of your appetite.
Citi Custom Cash℠ Card
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Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter
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Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening
☆ 5% Categories Include Gas, Streaming, Groceries, Travel, & More!
☆ 0% Intro APR for 15 Months
☆ No Annual Fee
If you are looking for a card that offers flexible rewards to suit your needs, then the Citi Custom Cash℠ Card is a great option. The no annual fee credit card offers 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and 1% cash back afterward. Those 5% back categories are generous, including the following:
| Dining | Fitness clubs | Grocery stores |
| Drugstores | Gas stations | Home improvement stores |
| Travel & transit (select) | Live entertainment | Streaming service (select) |
Even better, you can earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. You can then redeem those rewards as a statement credit, direct deposits into bank accounts, or through the ThankYou Rewards Portal for gift cards, travel, or through Amazon for purchases (Shop with Points at Amazon.com). Citi ThankYou points never expire if the account is open and active.
Other great features with the Custom Cash credit card include 0% Intro APR on balance transfers and purchases for 15 months, no annual fee, and several exclusive Citi customer perks:
| Citi Merchant Offers: | Citi Merchant Offers is like Amex offers or Chase offers in that it provides Citi credit card members with offers for a specific merchant and then receive a rebate in the form of cash or points when using the card for eligible purchases. |
| Citi Entertainment℠: | Citi Entertainment℠: Cardholders gain exclusive access to tickets for thousands of popular events. This includes unique experiences and presale events for concerts, sporting events, and more. |
| Citi® Concierge: | Citi Concierge is a free benefit that gives on-demand personal assistance to eligible cardholders. Citi customer service experts can help with travel planning, shopping, restaurant reservations and more. |
Another great option is the Citi® Double Cash Card, which earns 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
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4X Points at restaurants worldwide, plus takeout and delivery in the U.S.
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4X Points at U.S. supermarkets
☆ $120 Uber Cash
☆ $120 Dining Credit
☆ No Foreign Transaction Fee
☆ $250 Annual Fee
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.
You can further maximize Membership Rewards by checking Amexc Offers. The Amex Offers tab in your American Express mobile app can help you earn more points when dining out..
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4% cash back on dining, entertainment, and popular streaming service
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3% cash back at grocery stores
☆ New Cardmember Bonus Cash
☆ Capital One Dining Access
☆ No Foreign Transaction Fee
☆ $95Annual Fee
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!
