Best Dining Credit Cards with No Annual Fee

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Several credit cards offer rewards on dining, thanks to bonus points on restaurant spending. We looked through the card issuers’ offerings to see which cards are the most generous with their bonuses for dining purchases. We have found a few cards that offer a lot while charging no annual fee and offering plenty extra on the side.

Bank of America® Customized Cash Rewards credit card

Bank of America Customized Cash Rewards Credit Card
Bank of America Customized Cash Rewards Credit Card offers 3% cash back in the category of your choice, which includes dining, and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category and grocery store/wholesale club purchases each quarter. For everything else, you can earn unlimited 1% cash back. In addition, this credit card offers new card members a bonus of $200 cash. You only need to spend $1,000 on purchases in the first 90 days to qualify for the bonus.

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa Card by Citi
Costco Anywhere Visa Card by Citi offers 3% cash back on your spending at restaurants. In addition, you can earn 4% cash back on eligible gas purchases for the first $7,000 per year. You can also earn 3% cash back on travel purchases. For all other purchases from Costco and Costco.com, you can earn 2% cash back. For everything else, you can earn 1% cash back. This credit card has no annual fee with your paid Costco membership. You can also enjoy no foreign transaction fees on purchases made abroad.

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card is a great option for fine dining, offering unlimited 3% cash back on dining. You can also earn unlimited 3% cash back on entertainment, groceries, and streaming services. For everything else, you can earn 1% cash back. In addition, this credit card offers new card members a bonus of $200 cash. You only need to spend $500 on purchases in the first 3 months to qualify for the bonus, which is easily attainable.

The Right Dining Credit Card for You

Each of these cards offers extra rewards for restaurant purchases, but which is right for you? It depends on what benefits you are looking for. For Costco customers, you may keep it simple to earn 3% cash rewards with Costco Anywhere Visa® Card by Citi. If you want straightforward 3% cash rewards on dining and $200 cash bonus, Bank of America® Customized Cash Rewards credit card and Capital One SavorOne Cash Rewards Credit Card are good choices. No matter what you want to get back from your dining spending, there is a card for you.

Recommended Dining Credit Cards

Credit CardBonus and RewardsAnnual Fee
Bank of America Customized Cash Rewards Credit CardBank of America® Customized Cash Rewards credit card
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
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    Costco Anywhere Visa Card by CitiCostco Anywhere Visa® Card by Citi
  • 4% cash back on eligible gas and EV charging purchases 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
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    Capital One SavorOne Cash Rewards Credit CardCapital One SavorOne Cash Rewards Credit Card
  • A one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • 8% cash back on Capital One Entertainment purchases
  • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • $0

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