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Best Dining Credit Cards for April 2021

Best Dining Credit Cards for April 2021

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Apr 01, 2021. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If you eat out on a regular basis — whether dining out or ordering in — you can benefit from a credit card that offers cash back, points or miles on those purchases.

When choosing a restaurant credit card, it’s important to consider not just the number of rewards per dollar you can earn on dining purchases, but how else you plan to use it.

For example, if you travel frequently, you may want a restaurant credit card that also offers you rewards on hotel stays. Or, if you prefer to order in, you should consider a card that offers special perks on food delivery services.

Based on our research of cards available through CompareCards, as well as top cards offered by major issuers, we’ve compiled a list of the best credit cards for restaurants. Read on to see the best dining credit card for the following categories:

Comparing restaurant credit cards

Credit cardRewards rateSign-up bonus/welcome offerAnnual fee
Capital One® Savor® Cash Rewards Credit CardEarn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening$95
American Express® Gold CardEarn 4X Membership Points on Restaurants worldwide, including takeout and delivery. Additionally, earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.60,000 Membership Rewards®; Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.$250
Citi Prestige® Credit CardEarn 5x points at restaurants and for air travel purchases, 3x for hotel and cruise purchases, and 1x for all other purchasesEarn 50,000 bonus points after spending $4,000 within three months of account opening.$495
Hilton Honors Aspire Card from American ExpressEarn 14X per $1 of eligible purchases on your card directly with a participating Hilton hotel or resort, 7X for eligible purchases: on flights booked directly with airlines or amextravel.com; on car rentals booked directly from select car rental companies; & at U.S. restaurants, and 3X for other purchases on your cardEarn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.$450
Chase Sapphire Reserve®3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases.Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.$550
Uber Visa Card5% back in Uber Cash on Uber rides, Uber Eats, and JUMP, 3% in Uber Cash on restaurants, bars, hotels, and airfare, and 1% back in Uber Cash on all other purchasesEarn $100 in Uber Cash after spending $500 on purchases in the first 90 days from account opening.$0

To see rates & fees for American Express® Gold Card please click here.

Best for cashback rewards: Capital One® Savor® Cash Rewards Credit Card

The Capital One® Savor® Cash Rewards Credit Card currently offers the highest cash back rate on dining purchases. Cardholders earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.

The dining category includes purchases made at restaurants, cafes, bars, lounges, fast-food chains and bakeries.

Additional Capital One® Savor® Cash Rewards Credit Card benefits

Sign-up bonus. Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.

Premium restaurant access. Capital One and OpenTable have partnered to offer cardholders exclusive access to premium tables at restaurants across the U.S.

What to look out for. The Capital One® Savor® Cash Rewards Credit Card comes with an annual fee of $95.

If you want to earn a generous cash back rate on dining without having to pay an annual fee, you may want to consider the Capital One SavorOne Cash Rewards Credit Card instead.

The $0 annual fee card offers 3% cash back on dining; 3% cash back on entertainment; 2% cash back at grocery stores; 1% cash back on all other purchases.

Best for U.S. supermarket and restaurants: American Express® Gold Card

American Express® Gold Card

Apply Now

on American Express's secure site

Terms Apply

Rates & Fees

  • Earn 60,000 Membership Rewards®; Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, and 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.

Highlights
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • $120 Uber Cash: 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: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees

See additional details for American Express® Gold Card

More Info

Whether you dine out frequently or prefer eating in, the American Express® Gold Card is ideal, since it offers a high rewards rate at restaurants and U.S. supermarkets.

Earn 4X Membership Points on Restaurants worldwide, including takeout and delivery. Additionally, earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

If you max out the spend threshold by making $25,000 in purchases at U.S. supermarkets, you’ll earn 100,000 points on those purchases alone in one year.

Additional American Express® Gold Card benefits:

Annual dining credit. The American Express® Gold Card offers an annual dining statement credit worth up to $120. Cardholders can receive up to $10 in statement credits monthly when the card is used for purchases at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed and participating Shake Shack locations. Note, enrollment is required.

Welcome bonus. Cardholders earn 60,000 Membership Rewards®; Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

Uber Cash credit.  Add your American Express® Gold Card to your Uber account, and automatically get $10 in Uber Cash each month (for a total of up to $120 per year) to use on Uber Eats or Uber rides in the U.S.

What to look out for: The American Express® Gold Card comes with an annual fee of $250, though the dining statement credit and Uber credit could help offset that amount each year.

Best for frequent travel: Citi Prestige® Credit Card

In addition to restaurant purchases, the Citi Prestige® Credit Card offers a generous rewards rate on airfare, hotels and more — making the card ideal if you travel often. Cardholders earn 5x points at restaurants and for air travel purchases, 3x for hotel and cruise purchases, and 1x for all other purchases.

As for foreign transaction fees? There are none — this means that you won’t incur additional charges when you use your card to make purchases outside of the U.S.

Additional Citi Prestige® Credit Card benefits

Sign-up bonus. Cardholders earn 50,000 bonus points after spending $4,000 within three months of account opening. That’s redeemable for $500 in travel when booked through the ThankYou® Travel Center.

Travel credits. The Citi Prestige® Credit Card offers up to $250 in statement credits for eligible travel purchases each calendar year. Plus, receive a statement credit of up to $100 every five years for a Global Entry or TSA Precheck application.

Complimentary 4th night hotel stay. Receive a complimentary fourth night at a hotel of your choice when you book a minimum stay of four consecutive nights through ThankYou.com. You can take advantage of this benefit two times per calendar year.

What to look out for: The Citi Prestige® Credit Card’s premium benefits come with a hefty price tag: The card charges a $495 annual fee.

Best for hotel stays: Hilton Honors Aspire Card from American Express

The Hilton Honors Aspire Card from American Express is a great option for Hilton loyalists who dine out regularly, thanks to the large amount of rewards you can earn per dollar spent at Hilton properties and U.S. restaurants.

Earn 14X per $1 of eligible purchases on your card directly with a participating Hilton hotel or resort, 7X for eligible purchases: on flights booked directly with airlines or amextravel.com; on car rentals booked directly from select car rental companies; & at U.S. restaurants, and 3X for other purchases on your card.

Additional Hilton Honors Aspire Card from American Express benefits

Welcome bonus. Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.

Weekend night rewards. Receive one weekend night rewards every year after renewal and an additional night after you spend $60,000 on your card in a calendar year.

Hilton resort credit. Cardholders receive up to $250 in statement credits each year to cover eligible purchases at participating Hilton resorts.

What to look out for: The Hilton Honors Aspire Card from American Express comes with a pricey annual fee of $450.

Best for premium travel: Chase Sapphire Reserve®

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases.

  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year

Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 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, 60,000 points are worth $900 toward travel
  • With Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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 for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

See additional details for Chase Sapphire Reserve®

More Info

In addition to a valuable sign-up bonus and travel benefits, the Chase Sapphire Reserve® card offers rewards on restaurant purchases worldwide. Cardholders earn 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases. Plus, earn 3X points on up to $1,000 in grocery store purchases — including pickup and eligible grocery store delivery services — per month from Nov. 1, 2020 through April 30, 2021.

The card also offers dining benefits through a partnership with DoorDash. Cardholders automatically receive statement credits of up to $60 in 2020 and $60 in 2021 on DoorDash purchases. Plus, receive a complimentary one-year DashPass membership — which gives you unlimited $0 delivery fees and reduced service fees on DoorDash orders of $12 or more.

Additional Chase Sapphire Reserve® benefits

Sign-up bonus. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. If you redeem those points through Chase Ultimate Rewards®, they will be worth $900 in travel.

Travel credits. The Chase Sapphire Reserve® offers up to $300 in statement credits each calendar year to cover travel purchases charged to your card. Plus, receive a statement credit of up to $100 every four years for your Global Entry or TSA Precheck application fee.

Priority Pass membership. Cardholders receive access to more than 1,000 Priority Pass Select airport lounges across the globe.

What to look out for: Like many of the premium credit cards in this post, the Chase Sapphire Reserve® card comes with an expensive price tag. The annual fee is $550.

Best for food delivery and rideshare services: Uber Visa Card

Note, the Uber Visa Card is currently closed to new applicants.

If you regularly order meals through a food delivery service, you can earn a good amount of cash back with the Uber Visa Card. The card offers 5% back in Uber Cash on Uber rides, Uber Eats, and JUMP, 3% in Uber Cash on restaurants, bars, hotels, and airfare, and 1% back in Uber Cash on all other purchases.

Additional Uber Visa Card benefits

Sign-up bonus. Earn $100 in Uber Cash after spending $500 on purchases in the first 90 days from account opening.

Annual fee. The Uber Visa Card comes with a $0 annual fee.

What to look out for: Rewards are earned in the form of Uber Cash, which can only be redeemed for Uber rides, orders with Uber Eats and rides using JUMP bikes and scooters.

Which restaurant credit card should you choose?

Ultimately, the best dining credit card for you comes down to how you plan to use the card. For example, if you want to earn the highest cashback rewards rate on dining purchases while paying an annual fee of $95, the Capital One® Savor® Cash Rewards Credit Card will be your best option.

But if you want to earn points on restaurant purchases and a sign-up bonus that’s worth $900 when redeemed for travel through Chase Ultimate Rewards (while also receiving special benefits for food delivery), the Chase Sapphire Reserve® could be a better fit. Just keep in mind that the card comes with a substantial annual fee of $550.

The information related to the Hilton Honors Aspire Card from American Express has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.


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