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Foodies unite: These are the best credit cards for restaurants in 2020

Racking up cash back and rewards at restaurants has never been easier - no matter your credit

Summary

Is eating out part of your everyday routine? Score cash back or rewards points by paying with the right card at restaurants; these cards can help.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

In this world of Instagrammable dishes and celebrity chefs, food has long passed the point of simple sustenance and morphed into a full-blown event.

If you count yourself among the nouveau gourmands dining out every weekend, why not get a return on your investment.

Read on to find the best credit cards on the market if you love earning rewards while you’re eating out – regardless of your credit profile.

See related: Best credit cards for groceries 2020

Best premium credit card for dining

Top pick: American Express® Gold Card

Amex Gold kicks off our recommendations for restaurants because it’s the card that gives you the most points of any card on the market when you dine at restaurants or shop at U.S. supermarkets.

At four times the points, it’s hard to find another card that competes when it comes to racking up rewards while you’re eating. As if to underline the point, there’s also a $120 dining credit – 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.

Bonus points and credits on travel give this card a healthy travel and dining combo, making it extremely attractive to those who want to live out their globetrotting dreams.

The annual fee is $250, but the annual travel and dining credits largely eclipse that by themselves.

Here’s a closer look at the card’s benefits:

  • 35,000 bonus points when you spend $4,000 in the first three months.
  • 4 points per dollar when you dine at restaurants worldwide.
  • 4 points per dollar at U.S. supermarkets on up to $25,000 in annual purchases, then 1 point per dollar.
  • 3 points per dollar for flights booked directly with airlines or through Amextravel.com.
  • Up to $120 dining credit.
  • Up to $100 airline fee credit.
  • No foreign transaction fees.
  • Terms Apply

Alternative: Chase Sapphire Reserve®

While the Chase Sapphire Reserve only offers three times the points on travel and dining without including U.S. supermarkets, its intro bonus and travel credit is much higher than the Amex Gold card’s.

Plus, the emphasis with the Reserve is much more on travel with a Global Entry credit and complimentary lounge access, so if you like more travel with your dining, this card is for you.

The card’s annual fee is $550, but when you book travel through the Chase Ultimate Rewards portal the 50,000 points you get in the first year are worth $750 in travel expenses. That alone more than offsets the annual fee, at least in year one.

Check out Chase Sapphire Reserve’s features in more detail:

  • 50,000 bonus points when you spend $4,000 in the first three months.
  • $300 annual travel credit.
  • 3 points per dollar on travel and dining worldwide (excluding purchases covered by $300 annual travel credit).
  • 50% more value when you redeem for travel through Chase Ultimate Rewards.
  • Complimentary lounge access.
  • Global Entry/TSA Precheck application fee credit of up to $100 every four years.
  • No foreign transaction fees.

Best credit card for earning rewards on dining

Top pick: Capital One® Savor® Cash Rewards Credit Card*

While the intro bonus for the Capital One Savor Cash Rewards Card is more modest than the premium cards listed here, it includes one of the largest cash back rates on any card for dining and entertainment.

The card also offers a great cash back bonus on tickets from Vivid Seats and a decent cash back bonus on grocery store purchases.

However, the $95 annual fee may still turn some cardholders off.

Take a closer look at the benefits Capital One Savor Cash Rewards Card offers:

  • $300 cash bonus when you spend $3,000 in the first three months.
  • 8% cash back on tickets at Vivid Seats until January 2022.
  • 4% cash back on dining and entertainment.
  • 2% cash back at grocery stores.
  • 1%t cash back on all other purchases.
  • You can redeem cash back for any amount and rewards don’t expire.
  • No foreign transaction fees.

Alternative: U.S. Bank Altitude Go Card

If you’re looking for a card that gives you rewards for dining with no annual fee, try the U.S. Bank Altitude Go Card which earns 4 points per dollar on dining and takeout (including food delivery services) and 2 points per dollar on groceries.

Some of the examples of eligible delivery services include Grubhub, UberEATS, DoorDash, Delivery.com, Eat24, Postmates and others.

Take a look at what the Altitude Go Card offers:

  • 4 points per dollar on dining and takeout, including food delivery services.
  • 2 points per dollar on gas stations, groceries (including grocery delivery and meal kit delivery) and streaming services.
  • 1 point per dollar on other purchases.
  • 20,000 points after spending $1,000 in the first 90 days (Offer ends Aug. 9, 2020).
  • $15 credit for annual streaming service purchases.
  • No annual fee.

Best restaurant credit card for credit builders

Top pick: Capital One® SavorOne® Cash Rewards Credit Card*

The last thing any consumer still working on their credit needs is fees, but that doesn’t mean they should have to sacrifice getting cash back on dining and entertainment.

Capital One’s SavorOne Rewards Card – which requires to have at least good credit apply – gives an unlimited 3% cash back rate on dining and entertainment and 2% cash back on grocery store purchases with no annual fee.

The intro bonus is pretty modest, but if you’re worried about fees more than you care about your rewards rate, this is the card for the conservative cash back collector.

Here’s a snapshot of all the benefits SavorOne has to offer:

  • $150 one-time bonus when you spend $500 in the first three months.
  • Unlimited 3% cash back on dining and entertainment.
  • 2% cash back at grocery stores.
  • 1% cash back on all other purchases.
  • No annual fee.

Alternative: Discover it® Secured 

Perhaps you’re rebuilding your credit or starting to build credit history and still don’t qualify for the SavorOne above, but that doesn’t mean you should miss out on dining rewards completely.

With the Discover it Secured card, you don’t have to. It allows you to build your credit and receive a consistent cash back rate. Discover will even match the cash back you receive in the first year.

Check out all the details below:

  • 2% cash back at gas stations and restaurants up to $1,000 on combined purchases each quarter.
  • 1% cash back on all other purchases automatically.
  • Discover it matches the cash back you earn in the first year with no matching limits.
  • Refundable security deposit.
  • Social Security number fraud monitoring and alerts.
  • No annual fee.

Which of the best credit cards for restaurants should you get?

If you consider yourself a foodie and would like to earn rewards on dining, you have plenty of options to choose from. Whether you’re looking for a premium rewards card or want to rack up cash back while rebuilding your credit, take your time comparing the cards to find one that fits your needs.

Comparing the best credit cards for dining

CardRewards rateAnnual fee
American Express® Gold Card
  • 4 points per dollar on dining
  • 4 points per dollar at U.S. supermarkets (up to $25,000 in annual purchases, then 1 point per dollar)
  • 3 points per dollar for flights booked directly with airlines or through Amextravel.com
$250
Chase Sapphire Reserve®
  • 3 points per dollar on travel and dining
$550
Capital One® Savor® Cash Rewards Credit Card
  • 8% cash back on tickets at Vivid Seats until January 2022
  • 4% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on all other purchases
$95
U.S. Bank Altitude Go Card
  • 4 points per dollar on dining and takeout, including food delivery services
  • 2 points per dollar on gas stations, groceries (including grocery delivery and meal kit delivery) and streaming services
  • 1 point per dollar on other purchases
$0
Capital One® SavorOne® Cash Rewards Credit Card
  • 3% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on all other purchases
$0
Discover it® Secured
  • 2% cash back at gas stations and restaurants (up to $1,000 on combined purchases each quarter)
  • 1% cash back on all other purchases
$0

*All information about the Capital One Savor and SavorOne cards has been collected independently by CreditCards.com and has not been reviewed by the issuer.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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