Best Dining Credit Cards with No Annual Fee

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Earn Top Rewards with No-Annual-Fee Dining Credit Cards

Numerous credit cards provide rewards specifically for dining expenses, often featuring extra rewards for restaurant spending. We thoroughly examined offerings from various card issuers to identify those that are exceptionally generous with their dining bonuses. Our findings highlight several cards that not only offer substantial rewards for dining but also come with additional perks.

Wells Fargo Autograph℠ Card

Wells Fargo Autograph Card
 Wells Fargo Autograph Card stands out by offering a generous rewards structure. It provides cardholders with 3% rewards on spending at restaurants. Additionally, you can earn 3% rewards on various other categories, including travel, gas, transit, phone plans, and streaming services. For all other purchases, a solid 1% reward rate is applicable. New card members are also eligible for a substantial bonus of 20,000 points, equivalent to $200 cash in redemption value. Notably, this credit card comes with the added benefits of no annual fee and no foreign transaction fees. These benefits make it a compelling payment card for those who frequently dine out and enjoy a variety of everyday expenses.

Bank of America® Customized Cash Rewards credit card

Bank of America Customized Cash Rewards Credit Card
 Bank of America Customized Cash Rewards Credit Card presents a flexible rewards structure, allowing cardholders to earn 3% cash back in a category of their choice, which includes dining, gas and EV charging, online shopping, and travel. Additionally, the card offers 2% cash back at grocery stores and wholesale clubs. You can earn cash rewards on up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. For those eligible for Bank of America Preferred Rewards membership, there’s the potential to boost rewards by 75%. Consequently, you may earn an impressive 5.25% cash back for dining expenditures. New card members can also enjoy a bonus of $200 cash, adding to the card’s appeal for those seeking lucrative rewards in everyday spending categories.

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa Card by Citi
 Costco Anywhere Visa Card by Citi is a rewarding option for dining and various other categories. Cardholders can earn 3% rewards on restaurant spending. Additionally, there are substantial rewards for other purchases, including 4% cash back on eligible gas and EV charging purchases (up to $7,000 per year), 3% cash back on travel purchases, and 2% cash back on purchases from Costco and Costco.com. For alll other purchases, you earn a solid 1% cash back. The card offers these benefits without an annual fee, provided you have a paid Costco membership. Furthermore, it comes with the advantage of no foreign transaction fees, making it a favorable choice for those who frequently make purchases abroad.

The Best Dining Credit Cards for You

Choosing the right card among these options depends on your specific preferences and priorities. If you aim to maximize rewards on dining purchases without an annual fee, the Wells Fargo Autograph Card, offering unlimited 3% rewards with no cap, is an excellent choice. If you qualify for Bank of America Preferred Rewards and seek higher than 3% cash rewards on dining, the Bank of America Customized Cash Rewards Credit Card is a suitable option. For Costco members seeking simplicity and 3% cash rewards on dining, the Costco Anywhere Visa Card by Citi, bundled with the perks of a paid Costco membership, fits the bill. Whatever your preference for dining rewards, there’s a card tailored to meet your needs.

Recommended Dining Credit Cards

Credit CardBonus and RewardsAnnual Fee
Wells Fargo Autograph CardWells Fargo Autograph℠ Card
  • 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
  • Unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
    		• $0
    rates & fees
    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.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America 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.
    		• $0
    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
    		• $0
    rates & fees

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