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Best Credit Cards for Restaurants for November 2019

Best Credit Cards for Restaurants for November 2019

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

This article was last updated Nov 01, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Foodies rejoice! Many credit cards provide high rewards rates for dining purchases. Whether you prefer fast food or a sit-down meal, the cards mentioned below can earn you up to 4% cash back on your dining purchases. You can use these cards to earn cash back to cover dining purchases or redeem for restaurant gift cards, among other options.

In this roundup, we recommend the best dining cards that earn you more than 2% cash back or 2 points per dollar spent, since you can easily find a flat-rate card that earns you those rates.

In this article

4% cash back or 4 points per dollar spent

3% cash back or 3 points per dollar spent

Alternatives: Rotating 5% cashback categories

4% cash back or 4 points per dollar spent

Capital One® Savor® Cash Rewards Credit Card

  • 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening

  • No minimums for redeeming and cash back won't expire for the life of the account

Highlights
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

See additional details for Capital One® Savor® Cash Rewards Credit Card

More Info

The Capital One® Savor® Cash Rewards Credit Card sets the standard for dining rewards cards with 4% cash back on dining; 4% cash back on entertainment; 2% cash back at grocery stores; 1% cash back on all other purchases. plus, earn 8% cash back on tickets at vivid seats through may 2020.. There is an annual fee of $0 intro for first year; $95 after that, but spend $2,375 annually on dining purchases — after your first year of account opening — and you’ll recoup the fee in cash back. You earn unlimited rewards and cash back can conveniently be redeemed at any amount.

American Express® Gold Card

  • 35,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.*

  • Earn 4X points at restaurants worldwide and U.S. supermarkets on up to $25,000 per year in purchases, then 1X*

  • Up to $100 per year for incidentals*

Highlights
  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 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.
  • 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.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.

See additional details for American Express® Gold Card

More Info

The American Express® Gold Card offers a high rewards rate on restaurant purchases: 3X Membership Rewards® points for flights booked directly with airlines or on amextravel.com and 4X points at restaurants worldwide and U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). This card also comes with a monthly $10 dining credit that can help offset the cost of dining at The Cheesecake Factory, Ruth’s Chris Steak House and participating Shake Shack locations or ordering food from Grubhub, Boxed, and Seamless. Just know, you need to complete a one-time activation to take advantage of this benefit. Also, this card has a $250 annual fee, but it can be lowered to an effective $30 if you use the annual $120 dining benefit and the annual $100 airline fee credit.

3% cash back or 3 points per dollar spent

Chase Sapphire Reserve®

  • Earn 50,000 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 & 1 point per $1 spent on all other purchases.

  • $300 Annual Travel Credit, Airport Lounge Access, and Flexible Redemption Options

Highlights
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®

See additional details for Chase Sapphire Reserve®

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If you’re an avid foodie and traveler, the Chase Sapphire Reserve® can earn you an effective 4.5 points per dollar spent on dining and travel, which tops all cards on this list. You earn 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. Points redeemed for travel (airfare, hotels, car rentals) via Chase Ultimate Rewards® receive 50% more value. That brings you to an effective 4.5 points per dollar on dining and travel purchases. The way you redeem points is the catch — if you redeem points for cash back or restaurant gift cards, you won’t receive the 50% more value that comes with the Chase Ultimate Rewards® point redemptions. Beware, this card does have a $450 annual fee, but if you travel and take advantage of the annual $300 travel credit, the annual fee is reduced to an effective $150.

Wells Fargo Propel American Express® card

The Wells Fargo Propel American Express® card is a $0 annual fee card that offers a rewards program tailored to foodies, as well as travelers and frequent drivers. Earn 3X points on eating out and ordering in, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases. This card also offers car rental loss and damage insurance, lost or damaged baggage insurance, travel accident insurance, cellphone protection and more. Terms apply.

Capital One® SavorOne® Cash Rewards Credit Card

  • 3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening

  • No minimums for redeeming and cash back won't expire for the life of the account

Highlights
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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 for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

See additional details for Capital One® SavorOne® Cash Rewards Credit Card

More Info

The Capital One® SavorOne® Cash Rewards Credit Card is the $0 annual fee version of the Capital One® Savor® Cash Rewards Credit Card mentioned earlier. You earn a slightly lower cashback rate on dining spending at 3% cash back on dining; 3% cash back on entertainment; 2% cash back at grocery stores; 1% cash back on all other purchases. This card is ideal if you don’t want to pay the annual fee ($0 intro for first year; $95 after that) for the Capital One® Savor® Cash Rewards Credit Card. Cash back can conveniently be redeemed for any amount and you earn unlimited rewards.

Uber Visa Card

The Uber Visa Card offers a high rewards rate on dining purchases for a $0 annual fee card — 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. Rewards you earn can conveniently be redeemed on the go via the app, unlike some other rewards programs. But redeeming points for Uber credits starts at 500 points and all other redemptions start at 2,500 points. Additional benefits of this card include no foreign transaction fees and up to a $50 credit for online subscription services after you spend $5,000 or more on your card per year.

The information related to the Uber Visa Card has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication. 

Costco Anywhere Visa® Card by Citi

  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter & 3% cash back on restaurants and eligible travel purchases

  • 0% fee for transactions while traveling abroad

  • $0 annual fee

Highlights
  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas 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
  • The standard variable APR for Citi Flex Plan is 16.74%. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Costco Anywhere Visa® Card by Citi

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The Costco Anywhere Visa® Card by Citi may have a $0 annual fee, but it does require a Costco membership — currently as low as $60. This card really only makes sense for current or prospective Costco members. If you don’t plan to shop at Costco, it doesn’t make sense to become a member just to earn 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases.

PayPal Extras Mastercard®

The PayPal Extras Mastercard® is a $0 annual fee card that allows you to 3 points per $1 spent on gas and restaurant purchases, 2 points per $1 spent on PayPal and eBay purchases, and 1 point per $1 spent on other purchases. You need a PayPal account to apply for this card, but don’t worry — accounts are free. If you’re an existing PayPal customer, this card conveniently links to your PayPal account and any rewards you earn can be combined with your PayPal balance.

The information related to the PayPal Extras Mastercard®  has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication. 

AARP® Credit Card from Chase

Don’t be discouraged by an AARP® card — anyone can apply regardless of age. The AARP® Credit Card from Chase has a $0 annual fee and offers 3% cash back rewards on purchases at restaurants, 3% cash back rewards on purchases at gas stations, 1% cash back rewards on all other purchases. This card doesn’t offer any standout perks beyond the typical card offering. But if you decide to join or renew AARP®, you can redeem points for a membership.

The information related to the AARP® Credit Card from Chase has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication. 

Sam's Club® Mastercard®

The Sam's Club® Mastercard® has a $0 annual fee but requires you to be a Sam’s Club member to become a cardholder. Membership is currently as low as $45 a year. If you’re a current Sam’s Club member or are considering joining, this card earns 5% cash back on gas (on first $6,000 per year in purchases, then 1%), 3% on dining and travel, and 1% on other purchases (maximum of $5,000 in cash back rewards in a calendar year). Otherwise, we don’t recommend becoming a Sam’s Club member just for the dining rewards since you can use one of the other $0 annual fee cards mentioned above that don’t require memberships.

The information related to the Sam's Club® Mastercard® has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication. 

Alternatives: Rotating 5% cashback categories

Credit cards offering 5% cash back in select categories each quarter allow you to maximize cash back. These cards typically offer restaurants for one quarter a year. If you don’t mind the rotating categories and want to earn 5% on different purchases every three months, then a rotating 5% cashback card can be a good fit for you.

Beware that you will need to activate the bonus categories each quarter. Also, keep in mind these cards typically limit the 5% cashback rate to $1,500 in purchases a quarter before the cashback rate drops to 1%. This allows you to earn up to $75 in cash back a quarter at the 5% cashback rate.

Here are two 5% bonus category cards:

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*

  • Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • Any amount, any time. Cash back rewards never expire*

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Cash Back

More Info

  • Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.

  • 0% Intro APR on purchases and balance transfers for 15 months

  • 16.74% - 25.49% Variable

Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit JourneySM

See additional details for Chase Freedom®

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Tip: Pair a 5% bonus category card with a card that offers 3% or 4% cash back on dining year-round. You use the 5% bonus category card when restaurants are a bonus category, then use the 3% or 4% cashback card for the remaining months.


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