Last updated on April 18th, 2023
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
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:
| â‘ 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. |
| â‘¡ 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. |
| â‘¢ 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. |
| â‘£ 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. |
| â‘¥ 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®
DoorDash Rewards Mastercard®
DoorDash Rewards Mastercard®
- 20.24% to 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24% to 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The DoorDash Rewards Mastercard® makes ordering out a breeze thanks to up to 4% cash back on DoorDash purchases, 2% back on groceries, a free year of DashPass (a $96 value), and a selection of Mastercard perks and protections.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 4% cash back on DoorDash and Caviar orders from hundreds of thousands of merchants on the DoorDash platform
- Earn 3% cash back on dining when purchased directly from a restaurant, online or in-store
- Earn 2% cash back on grocery stores, online or in-store
- Earn 1% cash back on all other purchases
- Complimentary free year of DashPass
- $25 off the first two Nationwide Shipping orders of $100 or more, which is a $50 value
- 10% off first order of $35 or more each month (up to $15 per order) on convenience, grocery, alcohol and DashMart purchases – a potential $90 value
- No foreign transaction fees
- No annual fee
- Regular Purchase APR: 20.24% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You love to order in and want to save money
- You can make use of the many services DoorDash offers, including groceries
- You want a $100 cash bonus after spending $500 on purchases in the first three months
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
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
- 20.24% (Variable) Regular Purchase APR
- 20.24% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
At a Glance
If you’re a Costco member and want to start earning some serious cash back rewards, the bonuses available via the Costco Anywhere Visa® Card by Citi – including 4% on gas and EV charging and 2% on your Costco purchases – may be just what you’re looking for.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 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% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- Regular Purchase APR: 20.24% (Variable)
- Balance Transfer APR: 20.24% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% variable based on your creditworthiness and the Prime Rate
- Annual Fee: $0 with Costco Membership
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You’re a Costco member and want to earn 2% cash back on purchases at their physical and online stores, as well as 4% cash back on gas and EV charging purchases – including gas sold at Costco
- You enjoy earning cash back on everyday purchases such as dining and travel
- You seek a versatile rewards credit card with numerous travel protection perks, no foreign transaction fees, and no annual fees as a Costco member
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 Cashâ„ Card
Citi Custom Cashâ„ Card
Citi Custom Cashâ„ Card
- 18.99% – 28.99% (Variable) Regular Purchase APR
- 18.99% – 28.99% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
- 0% for 15 months on Purchases Intro Purchase APR
At a Glance
The Citi Custom Cash? Card is a generous cash back credit card that offers up to 5% back on eligible purchases. The card, from Citi, does not charge an annual fee and rewards 5% back on the top spending category each month, with options including transit, travel, gas, groceries, dining, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.
- 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.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cashâ„ Card account per person.
- Intro Purchase APR: 0% for 15 months on Purchases
- Regular Purchase APR: 18.99% – 28.99% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
- Balance Transfer APR: 18.99% – 28.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 5% back but do’t want quarterly categories
- You plan on spending $1,500 within the first 90 days
- You have a large purchase in mind that you want to pay down over time
- You plan on transferring an existing balance within the first four months
- You don’t want to pay an annual fee
If you are looking for a card that offers flexible rewards to suit your needs, then the Citi Custom Cashâ„ 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 Entertainmentâ„ : | Citi Entertainmentâ„ : 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.
American Express® Gold Card
American Express® Gold Card
American Express® Gold Card
- See Pay Over Time APR Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Foodies, rejoice! The American Express® Gold Card grants you the ability to earn 4X Membership Rewards® points at restaurants worldwide and US supermarkets, and 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com. There are also numerous travel perks of note, including statement credits for hotel and airline purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 75,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership
- Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required
- Choose the color that suits your style. Gold or Rose Gold
- No Foreign Transaction Fees
- Annual Fee is $250
- Terms Apply
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to earn 4X Membership Rewards® points for global restaurant purchases, including takeout and delivery
- You also wish to earn 4X Membership Rewards® points on purchases at U.S. supermarkets (up to $25,000 annually)
- You travel often and can take advantage of 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com
- You would benefit from statement credits on a variety of travel expenses
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..
Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
- 20.99% – 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99% – 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Make memories while funding future adventures with the Capital One® Savor® Cash Rewards Credit Card. This exclusive entertainment credit card boasts an unlimited 4% cash back on streaming, dining, and entertainment is a great card for couples, families, and social butterflies.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 4% cash back on dining, entertainment, and popular streaming services
- Earn 3% at grocery stores
- Earn 1% on all other purchases
- Earn 8% cash back on tickets through Vivid Seats
- Receive $9.99 statement credit after paying for Postmates Unlimited membership
- Enjoy comprehensive, personalized assistance in dining, entertainment and travel— 24 hours a day, 365 days a year
- Regular Purchase APR: 20.99% – 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.99% – 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- You want to earn an unlimited 4% cash back on streaming, dining, and entertainment, 3% at grocery stores, and 1% on all other purchases
- You see yourself spending $3,000 within the first 3 months of opening the card to earn that one-time $300 cash bonus
- You live for unique dining, entertainment, and sports experiences
- You want complimentary food delivery membership through Postmates
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!
