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 and found two cards that offer a lot while charging no annual fee and offering plenty extra on the side.

Wells Fargo Propel American Express® card

Wells Fargo Propel American Express card
Wells Fargo Propel American Express card offers 3 rewards points for each dollar you spend for eating out and ordering in, including your purchases at fine restaurants, fast food, Starbucks, and local bakeries, etc. You will also earn 3 points for each dollar you spend on travel including flights, hotels, homestays and car rentals, gas stations, and rideshares (Uber, Lyft) and public transit. It has no annual fee and no foreign transaction fees. In addition, this credit card offers a rich bonus of 20,000 points, which can be redeemed for $200 at Wells Fargo Rewards site. You only need to spend $1,000 on purchases in the first 3 months to qualify for the bonus.

Capital One® SavorOne® Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card offers 0% APR for the first 15 months on purchases and balance transfers. After the intro period ends, the go-to rate of 15.49% - 25.49% (Variable) applies. The card is a great option for fine dining, offering unlimited 3% cash back rewards for dining. You can also earn unlimited 3% cash back on entertainment, 2% cash rewards on groceries, and 1% cash back on everything else. In addition, it offers new card members a bonus of $150. 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 an extra bonus for restaurant purchases, but which is right for you? It depends on what extra benefits you are looking for. If you want a credit card with a good bonus and all-around rewards on many regular purchases, the Wells Fargo Propel American Express® card is your best option. If you want straightforward cash rewards, the Capital One® SavorOne® Cash Rewards Credit Card is a good choice. No matter what you want to get back from your dining spending, there is a card for you.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Wells Fargo Propel American Express® card

0% intro APR
for 12 months

13.99%-25.99% (Variable) APR after that

Rates & Fees

0% intro APR
for 12 months on qualifying balance transfers

13.99%-25.99% (Variable) APR after that

$0

Good / Excellent CreditLearn MoreView Card Details
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions

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