Experian and CreditMatch logo

Best Credit Cards for Restaurants and Dining Out of 2022

At Experian, one of our priorities is consumer credit and finance education. This post may contain links and references to one or more of our partners, but we provide an objective view to help you make the best decisions. For more information, see our Editorial Policy.

Many rewards credit cards offer bonus spending categories: When you use your card to pay for purchases with certain types of merchants or retailers, you can earn multiple points or miles per dollar spent. Travel and airfare are popular categories for premium rewards cards, and over the past year, groceries and streaming entertainment subscriptions have also become lucrative bonus categories.

Dining, including takeout and delivery services, remains one of the most common—and popular—credit card bonus categories. Some of the best credit cards for restaurants earn bonus points on restaurant purchases and even offer statement credits to help you save on food delivery subscription services.

3 Partner Offers

Our Picks for the Best Cards for Restaurants
Chase Sapphire Reserve<sup>®</sup>

Chase Sapphire Reserve®

10 points per dollar spent on hotels and car rentals and 5 points per dollar spent on flights when you purchase travel through Chase Ultimate Rewards® (after the first $300 is spent on travel purchases annually)

3 points per dollar spent on other travel and dining purchases

1 point per dollar spent on all other eligible purchases

Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

5 points per dollar on travel purchased through Chase Ultimate Rewards®

3 points per dollar on dining

2 points per dollar on all other travel purchases

1 point on everything else

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target)

5% cash back on hotels and rental cars booked through Capital One Travel

8% cash back on Capital One Entertainment purchases

1% cash back on all other purchases

$200 one-time cash bonus after you spend $500 on purchases within the first 3 months from account opening

Chase Sapphire Reserve®

Though the Chase Sapphire Reserve® card has always offered bonus points on restaurant spending, recent partnerships have made it even more valuable to people who carry this card.

The card earns 10 points per dollar spent on hotels and car rentals and 5 points per dollar spent on flights when you purchase through Chase Ultimate Rewards® (after the first $300 is spent on travel purchases annually). You'll also earn 3 points per dollar spent on other travel and dining purchases, including takeout and eligible delivery services. You'll earn 1 point per dollar on all other purchases. The card's $300 travel credit reimburses you for travel purchases up to that amount each account anniversary year.

The Chase Sapphire Reserve® is currently offering new applicants 80,000 Chase Ultimate Rewards® bonus points after spending $4,000 on purchases in the first 3 months from account opening. That's equivalent to $1,200 in travel when you redeem through Chase Ultimate Rewards®. Its annual fee is $550.

Read full review
Apply

on Chase's website

Exceptional

APR

19.99% - 26.99% Variable

Intro APR

N/A

Rewards

10X points on Hotels and Car Rentals Purchased Through Chase

5X points on Flights Purchased Through Chase

3X points on Dining

3X points on Other Travel

1X points on All Other Purchases

Intro Bonus

Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

Annual Fee

$550

Card Details
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs.
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

Chase Sapphire Preferred® Card

This card earns 5 points per dollar on travel purchased through Chase Ultimate Rewards®, 3 points per dollar on dining, 2 points per dollar on all other travel purchases and 1 point on everything else.

The Chase Sapphire Preferred® Card is currently offering new cardholders 60,000 bonus points after spending $4,000 on purchases in the first 3 months—worth up to $750 in travel when redeemed through Chase Ultimate Rewards®. Its annual fee is $95.

Chase Sapphire Preferred® Card

Apply

on Chase's website

Good - Exceptional

Chase Sapphire Preferred® Card

APR

18.99% - 25.99% Variable

Intro APR

N/A

Rewards

5X points on Travel purchased through Chase

3X points on Dining

2X points on Other Travel

1X points on All Other Purchases

Intro Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Annual Fee

$95

Card Details
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®; 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠; your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne Cash Rewards Credit Card earns 3% cash back on dining, entertainment and grocery stores, excluding superstores like Walmart and Target, 5% cash back on hotels and rental cars booked through Capital One Travel, 8% cash back on Capital One Entertainment purchases and 1% back all other purchases. Not bad for a card with no annual fee, especially considering its current welcome offer is a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

Capital One SavorOne Cash Rewards Credit Card

Apply

on Capital One's website

Good - Exceptional

Capital One SavorOne Cash Rewards Credit Card

APR

17.99% - 27.99% (Variable)

Intro APR

0% on Purchases and Balance Transfers for 15 months

Rewards

3% cash back on Dining & Entertainment

3% cash back on Streaming Services

3% cash back on Groceries

1% cash back on All Other Purchases

Intro Bonus

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Annual Fee

$0

Card Details
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

Do Bars And Coffee Shops Count as Restaurants?

The terms "dining" and "restaurant" can be a bit confusing when it comes to credit card categories. That's good news for consumers, though, since many credit cards that offer these bonus categories actually extend them to merchants beyond what you might think are included.

For instance, Chase categorizes "Dining/Restaurants" as merchants whose primary business is sit-down or eat-in dining, including fine-dining establishments as well as fast food restaurants. But you'll also find that many delivery services, including Grubhub, are counted in the dining category, as are some coffee shops and many bars. Those merchants that sell food within other facilities such as sports stadiums, theme parks or hotels are usually not included.

For its part, American Express divides restaurants into U.S. and global groupings, and excludes those that are located within other businesses such as hotels, casinos and event venues, as well as bars, nightclubs, cafeterias, caterers, theatre clubs, breweries, bakeries and meeting venues. Still, many purchases you may think fall into these categories are in fact coded as restaurant charges and thus earn bonus points. Terms apply.

Credit card issuers depend on merchants to categorize themselves for the most part, so if a café or bar lists itself as a restaurant, that's how the charge will earn points.

Are There Limits to Rewards Earned?

Some credit cards limit the number of bonus rewards you can earn in certain categories.

Before you commit to a specific card for your dining buys, double-check the terms and benefits. That way, you can ensure your earning potential is not capped, or that you can at least maximize your rewards by spending up to any dollar ceilings there might be.

What Credit Score Do I Need for a Restaurant Rewards Card?

While some rewards credit cards are targeted to customers who are just getting started with credit or looking to build their credit history, the best credit cards for restaurants tend to be geared toward folks with good to excellent credit. That usually means you have a long history of paying off your bills responsibly and on time, and carry little to no debt.

Before applying for a credit card, get a free copy of your credit report and score from Experian so you will know what issuers see when they receive your application and whether it's worth applying for a certain card. You can also check out Experian CreditMatchTM for credit card offers that suit your needs.

Some of the best rewards credit cards include restaurants and dining among their bonus categories. By using such a card for your dine-in, takeout and delivery purchases, you can rack up extra rewards like points or cash much faster than with other everyday expenses. Just be sure you do so responsibly—and maximize any other perks the card might offer.