Best credit cards for restaurants

You don’t need to be a foodie to benefit from a credit card that rewards extra for dining purchases. Card issuers often define dining broadly to include not just restaurants but also fast food outlets, cafes, bakeries and much more. So regardless of whether you eat out for enjoyment or convenience, you can still get something back for what you’re spending.

Our team has compiled the list below of the best credit cards for restaurants:

Best credit card for restaurants to earn travel rewards: Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel.

Why it’s the best

One of the most popular travel rewards cards on the market, the Capital One Venture Rewards Credit Card offers a simple rewards structure of double miles per dollar on all purchases. You’re spoiled by choices when it comes to rewards redemption: use them on flights and hotels without blackout periods, or transfer them to more than 15 travel loyalty programs.

There is a waived annual fee of $95 in the first year. Try to sign up when you’re considering a big purchase, as you can earn 50,000 bonus miles for spending $3,000 within the first three months.

Bonus points:

  • Enjoy travel perks like travel accident insurance, auto rental collision damage waiver, 24-hour travel assistance and no foreign transaction fees.
  • Redeem to suit you — Your rewards are yours for the life of the account—they will not expire, and you can redeem them for statement credit, gift cards and more. But if your account is closed, you will lose any rewards you have not redeemed.

Best credit card for restaurants to earn cash back for families: Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

Why it’s the best

Make dining out with your family more affordable with Blue Cash Preferred® Card from American Express. It offers outsized rewards on family-friendly rewards categories. With a cash back rate of 6% at U.S. supermarkets up to $6,000 per year (then 1%), you’ll need to spend just $31 at the supermarket per week to make up for the $95 annual fee. But there’s 6% on select U.S. streaming services too, then 3% at U.S. gas stations and transit and 1% on everything else. There’s huge potential to earn decent cash back.

The $250 intro bonus is generous, but you’ll need to spend $1,000 in the first three months to qualify. There’s also a decent 12-month 0% APR period on purchases and balance transfers to save you interest. After that, there is a variable go to APR of 14.49% – 25.49%.

Bonus points:

  • Returns protection: Get a refund from Amex for an eligible purchase, up to 90 days from purchase date, if the seller won’t take it back.
  • Travel with confidence: Complimentary car rental loss and damage insurance and 24/7 access to global assist hotline.

Best credit card for restaurants to earn flexible rewards points: Chase Sapphire Preferred Card

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Earn 60,000 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®.

Why it’s the best

If you’re passionate about satisfying your wanderlust as well as your stomach, then the Chase Sapphire Preferred Card’s 2X points on travel and dining could be a great match for you. What sets this card apart is the flexibility with your rewards redemption: you can redeem them for travel through Chase Ultimate Rewards to get 25% additional value for your points or transfer them to any of the 13 airline and hotel partners at a ratio of 1:1.

Redemption for cash back or gift cards is also possible, though redemption values of points will vary. For $95 a year, you’ll receive a broad range of travel perks to make your holidays more enjoyable.

Bonus points:

  • One-time bonus: Boost your rewards with 60,000 miles if you spend $4,000 on purchases in the first three months.
  • Travel with confidence: Coverage for cancellations and delays; auto rental damage waiver.

Best credit card for restaurants to earn travel rewards with no annual fee: Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card
Capital One® VentureOne® Rewards Credit Card
$0 annual fee and no foreign transaction fees.

Why it’s the best

A lite version of the Venture Rewards, the Capital One VentureOne Rewards Credit Card offers the same simple rewards structure, but at a slightly smaller rate of 1.25 miles per dollar on all purchases. It’s perfect for those who love the idea of travel rewards but may not use their card often enough to justify the annual fee.

You’re still spoiled by choices when it comes to redemption: use miles for flights and hotels with no blackouts, or transfer them to over 15 travel partners. The welcome bonus of 20,000 miles is decent if you can spend $1,000 in the first three months, and you’ve even got 0% APR for 12 months on purchases. After that, there is a variable go to rate of 14.49% – 24.49%.

Bonus points:

  • Travel with confidence: Complimentary 24-hour travel assistance, auto rental collision damage waiver and travel accident insurance; no foreign transaction fees.
  • Protect big purchases with extended warranty for eligible items.

Best credit card restaurants that reward both dining and entertainment: Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening.

Why it’s the best

While it will cost you $95 annually (waived in the first year), the Capital One Savor Cash Rewards Credit Card is ideal if dining, entertainment and groceries take up a big portion of your paychecks. With a cash back rate of 4%, you’ll only need to spend $198 per month on dining or entertainment to make your money back. And when you take into account the 2% cash back at grocery stores as well, you’ve got a good chance of maximizing your cash back potential — without having to deal with rotating categories.

Bonus points:

  • Big welcome bonus: Receive $300 if you spend $3,000 on purchases in the first three months.
  • Great for international travel with no foreign transaction fees.

Best credit card for restaurants to earn first-year cash back bonus: Discover it® Cash Back

Discover it® Cash Back
Discover it® Cash Back
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.

Why it’s the best

Hands down the credit card with the most first-year bonus potential, the Discover it® Cash Back promises to match the cash back you’ve earned at the end of your first 12 months, with no maximum limit. When you consider the outstanding rewards rate of 5% for purchases in bonus categories, up to $1,500 per quarter each time you activate (then 1%), there’s a clear opportunity to earn a substantial bonus. You’ll have to keep an eye on the rewards calendar to activate quarterly bonus categories. The 14-month 0% APR period will save you interest on purchases and balance transfers. After that, there is a variable go to rate of 13.49% – 24.49%. There are no annual fees too.

Bonus points:

  • Redeem to suit you: Receive rewards as statement credit, direct deposits, donations to charity, gift cards and more.
  • Low fees: Save on foreign transaction fees and late fees on your first late payment.

Best credit card for restaurants to earn flat-rate cash back: Capital One® QuickSilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit Card
One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.

Why it’s the best

If you love the idea of cash back rewards but would rather steer clear of rotating categories, then the Capital One QuickSilver Cash Rewards Credit Card is a good option. One of the leading cash back cards on the market, QuickSilver, offers 1.5% cash back on all purchases. While you can probably find a better rate elsewhere, there are no annual limits with the QuickSilver, and you’re not locked into any rewards categories.

The 15-month 0% APR period on purchases and balance transfers is lengthy, too. After that, there is a variable go to rate of 15.49%- 25.49% and you’ll only need to spend $500 to qualify for the $150 cash bonus. The clincher? No annual fees.

Bonus points:

  • Redeem to suit you: Receive rewards as a statement credit, direct deposit, gift cards and more.
  • Great traveling companion: Complimentary travel accident insurance and auto rental collision damage waiver. No foreign transaction fees.

Kristie Kwok

Kristie Kwok is a finance content writer with in-depth knowledge of the banking industry from her previous work experience in banks such as UBS, Lloyds Banking Group and Royal Bank of Scotland. She is a qualified accountant with a Bachelor of Commerce degree, specializing in Accounting and Finance.