Best Credit Card for Restaurant and Dining Purchases

Eating out is a way to enjoy food with friends, family, or coworkers. Nowadays, diners look to make the most of their spending by using the best credit cards for restaurants, takeout, and delivery. The right card can provide cash back, travel points, benefits, and savings that may enhance your cooking experiences at home and abroad. We’ll look at the best credit cards for dining rewards in 2025, pointing out important features, benefits, and differences so that people who are new to personal finance can make an informed decision. It has an updated comparison table, answers to frequently asked questions, and a clear conclusion on how to choose the best option for each person’s needs, along with detailed profiles of each card.

Top Dining Rewards Credit Cards for 2025

Chase Sapphire Preferred® Card

This popular travel card offers 2x points on dining and travel purchases. Points can be redeemed for travel through Chase Ultimate Rewards or transferred to airline and hotel partners. Additional perks include trip cancellation insurance, purchase protection, and a substantial sign-up bonus that can offset your next big meal or vacation.

• 2x points on dining worldwide
• Generous introductory offer after meeting spending requirements
• No foreign transaction fees

American Express® Gold Card

The Amex Gold Card provides 4x Membership Rewards® points on restaurants globally and at U.S. supermarkets (up to $25,000 per year). This card is ideal for those who dine frequently and want high earning potential on every meal. Benefits also include dining credits and exclusive access to curated events.

• 4x points on restaurants worldwide
• Dining statement credits with select partners
• No foreign transaction fees

Capital One SavorOne® Cash Rewards Credit Card

A great choice for those who prefer cash back, offering unlimited 3% cash back on dining, entertainment, and popular streaming services with no annual fee. An additional 1% cash back is earned on all other purchases.

• 3% cash back on dining and entertainment
• No annual fee
• No foreign transaction fees

Discover it® Cash Back

Earn 5% cash back on rotating categories each quarter (restaurants are typically included for at least one quarter annually) and 1% on all other purchases. Plus, Discover matches all cash back earned during the first year, effectively doubling rewards for new cardholders.

• Rotating 5% cash back on restaurants
• No annual fee
• Cashback Match first year

Citi Prestige® Card

This premium option delivers 5x points on dining and 3x on hotels and airfare. It also includes benefits like Priority Pass™ lounge access, the Fourth Night Free hotel benefit, and exclusive dining experiences.

• 5x points on global dining
• Luxury travel and dining perks
• Comprehensive travel insurance

Wells Fargo Propel® American Express® Card

Earn 3x points on dining, travel, gas stations, and select streaming services, all with no annual fee. The Propel card is perfect for budget-conscious diners who want solid rewards on multiple spending categories.

• 3x points on dining, travel, and gas
• No annual fee
• Cell phone protection

Bank of America® Travel Rewards Credit Card

Perfect for international dining, it offers 1.5 points per dollar on every purchase, including restaurant spending worldwide, with no annual fee or foreign transaction fees.

• 1.5x points on all purchases
• No foreign transaction fees
• Simple point redemptions for travel

Marriott Bonvoy Boundless™ Credit Card

Combines travel rewards with up to 6x Marriott Bonvoy points when dining at participating Marriott properties. Ideal for frequent travelers who want to earn free nights quickly.

• Up to 6x points on Marriott dining
• Free night award after account anniversary
• Automatic Silver Elite Status

Conclusion

Picking the right credit card for eating out can help you get the most out of every dollar you spend at restaurants, cafés, and even when you order takeout. There is a perfect card for every type of dining, whether you want to earn cash back on casual meals, points for luxury travel, or both with extra benefits. If you eat out a lot and want to earn a lot of money, cards like the American Express® Gold are great. If you don’t want to pay an annual fee, cards like the Capital One SavorOne® and Wells Fargo Propel® will give you rewards without any extra costs. By using the right credit card, diners can turn every meal into a chance to save money, travel, or try new foods. Before you apply, make sure to compare annual fees, rewards rates, and extra benefits. Also, always spend wisely so you can enjoy these rewards without going into debt. If you learn how to make these choices, eating out can become a smart way to save money that improves both your budget and your life.

Frequently Asked Questions

What type of credit card rewards dining the most?

Premium cards like the American Express® Gold (4x points) and Citi Prestige® (5x points) offer the highest dining rewards, but they typically come with annual fees.

Are there good dining cards with no annual fee?

Yes. Cards like Capital One SavorOne® and Discover it® Cash Back offer impressive rewards without annual fees, making them ideal for budget-conscious diners.

Do dining cards include takeout and delivery?

Most cards categorize takeout and food delivery services (including apps like Uber Eats) as dining purchases eligible for rewards.

Can dining rewards be redeemed for cash back?

Yes. Many cards allow redemption as statement credits, cash deposits, gift cards, or travel bookings.

Do dining credit cards charge foreign transaction fees?

The best dining cards for international use, like Chase Sapphire Preferred® and Amex Gold, waive foreign transaction fees.

How can first-time credit card users maximize dining rewards?

Choose a card that aligns with dining frequency, pay balances in full each month to avoid interest charges, and use the card for all eligible dining expenses to accumulate rewards efficiently.

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Reviewed and edited by Albert Fang.

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Article Title: Best Credit Card for Restaurant and Dining Purchases

https://fangwallet.com/2025/07/03/best-credit-card-for-restaurant-and-dining-purchases/

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