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You've likely noticed that eating out at restaurants is more expensive today than it used to be before the pandemic. You should do everything possible to reduce your food and drink costs. This includes paying with a card that offers bonus points or cashback at restaurants.
Which credit card is best to use for paying your restaurant bill? We've compiled a list with the top credit cards available for dining and restaurants in May 2023. We'll look at some of the best dining credit cards and explain why.
No one card is best for everyone. We looked at the earning rates, fees, and features of six of the most popular cards to find the best cards for dining and restaurant spending.
Each card has its own unique shine:
Compare the cards by looking at their details.
Use the correct credit card to order food delivery
This is the card for you. This card will earn you 4 points for every dollar spent on dining anywhere in the world.
You can transfer your loyalty points to over 20 partner programs. By valuing your Membership Reward points at 2 cents each, you can earn 8% or more every time you buy dinner. This is the best return of any credit card in this list.
Select merchants offer up to $10 per month in statement credits (up to $120 annually). Milk Bar and selected Shake Shack restaurants.
You can also earn 4 points for every dollar spent at U.S. grocery stores (up to $25,000. After that, 1 point) and 3 points for every dollar spent on flights booked through amextravel.com or directly with the airlines. Uber Eats and Uber Rides can be purchased with Uber Cash in the US.
After you have spent $4,000 on eligible purchases in the first six-month period after opening your account.
An annual fee of $250
Amex Gold Card
This is the best way to earn this valuable currency. You'll receive 3 ThankYou points per dollar spent at restaurants when you use this card. You'll earn 3 points for every dollar spent at other merchants such as supermarkets, gas station, hotels, and air travel.
You have two options for booking travel: either book via their travel portal, or transfer points to an affiliate loyalty program.
You can redeem your points via the travel portal, which is similar to booking through Expedia or Orbitz. Each point is worth one cent. If you have 60,000 ThankYou Points, for instance, they are worth $600 fixed towards travel.
You can also transfer your points at a 1:1 ratio to any of Citi's 16 airline or hotel partner programs. The most valuable partners of the program are the international airline loyalty programmes, which can be very useful for booking flights with Citi points.
The card also offers a $100 annual hotel credit when booking through ThankYou.com. You may find other benefits with travel reward cards such as rental car coverage or trip delay protection.
After you spend $4,000 in eligible purchases during the first three-month period after opening the account.
Annual fee: $95
The Citi Premier Card is a great way to get the Citi Premier benefits.
The card is a great way to earn points for many purchases, including dining out. Cardholders who pay an annual fee of $95 can earn 3 points for every dollar spent on dining, including eligible delivery services, takeout, and dining out, as well as online grocery services and streaming services. Earn 5 points per $1 spent on Lyft (through March 2025), plus 2 points on every dollar you spend on travel.
According to The Points Guy, each of these points is worth 2 cents. The 3 points you earn every time your credit card is swiped at a restaurant can be redeemed at 6% for travel.
You can do even more. British Airways offers a reward of up to 10,000 points.
You can redeem your points through Chase's Travel Portal at a fixed price of 1.25 cents each. This portal will allow you to book flights and hotels just like you would with Expedia or other online travel agents.
The card also offers a $50 annual credit for hotel stays booked through Ultimate Rewards. It also gives a 10% bonus point on purchases made in the previous year. DashPass is a complimentary membership valid for a minimum of 12 months.
After you spend $4,000 in eligible purchases during the first three month after opening your account. Act quickly as this offer will soon expire.
Annual fee: $95
The Chase Sapphire Preferred Card is a popular card.
You can earn points by dining out. This card offers 6 points for every dollar spent in U.S.-based restaurants. The currency is worth 0.6 cents each.
You can also earn 12 points for every dollar spent at Hilton Hotels, 6 points for every dollar spent at U.S. Gas and supermarkets in the U.S. and 3 points for all other purchases. These are good returns, but they're not the best in the industry.
The card offers a few Hilton-specific benefits. This elite status comes with a fifth night free when you redeem your points for a booking, a complimentary breakfast, or a credit towards food and beverages, and room upgrades if space is available.
This card does not give you any points. Which can transfer points to many travel partners. Hilton has more than 6,500 properties around the world, so you can find one wherever you are.
After spending $2,000 on purchases within the first 3 months of opening the account.
Rates and fees
The Hilton Surpass Card is a great way to save money.
It is essential to have this card in your wallet, if you are renting your home. This is the only credit card which allows you to pay rent without any fees and earn flexible rewards for every payment. This can really add up in a year.
This card offers category bonuses on many purchases, including dining. You'll get 3 points for every dollar spent on dining and travel (when you book directly with an airline or hotel, car rental company, cruise line, etc.) plus 1 point per $1 on all other purchases, including rent, when using this card. You can also earn up to five points per dollar when you use Lyft.
All points (excluding rent), earned on the first day of each month, are doubled. If you dine at a restaurant on the first of the month you will earn 6 points for every dollar you spend.
There are some restrictions that you should be aware of. Rent payments can earn you up to 100,000 points each year. Rent payments above this limit will not earn you rewards. Earn Bilt points for every purchase made during the statement period.
You can earn 5 additional points for every dollar you spend at participating restaurants. These restaurants are only available in New York City and the surrounding cities of Dallas, Atlanta Chicago, Boston, and Chicago.
The Bilt Rewards points can be directly transferred to 10 partner loyalty programs in a 1:1 ratio. If you'd prefer to redeem your points in a simpler way, you can do so through the Bilt Travel Portal where each point is worth 1.25 cents.
Rates and fees
You can change your spending habits each month and maximize your earnings. The card gives a 5% cashback on your first $500 in eligible categories each billing cycle. (Then 1% cashback). You do not have to choose a rotating category before you use the card. You will automatically receive 5% cashback in the category where you spend the most during your billing cycle.
The card is perfect for anyone who only wants to dine out. Restaurants are one of the 10 categories that qualify. You can earn up $25 per billing cycle with the 5% bonus. This amounts to $300 per year.
Gas, travel, groceries, etc. -- to earn your 5% bonus. To earn your 5% Bonus.
You can redeem your points for statement credits at 1 cent each. Visit one of Citi's hotel or airline partners.
You will only receive 1% cashback on purchases that do not fall under the top category. This earns you 2% on all your purchases -- 1% at the time of purchase, and another 1% after you have paid it off.
After you spend $1500 within the first six-months of opening your account.
The Citi Custom Cash Card is a card that allows you to pay for purchases with your credit or debit card.
For rates and fees for the Hilton Honors Surpass Card.