Best Dining Credit Cards for Eating Out in Restaurants

If you frequently eat out at restaurants, a credit card with dining rewards will quietly save you extra money on your dining expenses. Dining rewards credit cards usually offer higher rewards of up to 4% back for your spending at restaurants, including Starbucks, bakeries, fast food, and fine restaurants. Save money with one of the best dining rewards credit cards that fit your lifestyle.


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
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Wells Fargo Autograph℠ Card Hide Benefits Show Benefits	0% intro APR for 12 months from account opening 19.49%, 24.49%, or 29.49% variable APR after that rates & fees	19.49%, 24.49%, or 29.49% variable APR	$0	Excellent, Good CreditApply Now View 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 Earn 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 annual fee 0% intro APR for 12 months from account opening on purchases. 19.49%, 24.49%, or 29.49% variable APR thereafter Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal. Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge. Select "Apply Now" to learn more about the product features, terms and conditions.
Citi Premier® Card Hide Benefits Show Benefits	20.49% - 28.49% (Variable) APR	20.49% - 28.49% (Variable) APR	$95	Excellent, Good CreditApply Now View Card Details
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening Earn 3 Points per $1 spent at Restaurants and Supermarkets Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels Earn 1 Point per $1 spent on all other purchases Annual Hotel Savings Benefit 60,000 ThankYou® Points are redeemable for $600 in gift cards when redeemed at thankyou.com No expiration and no limit to the amount of points you can earn with this card No Foreign Transaction Fees on purchases
U.S. Bank Cash+® Visa Signature® Card Hide Benefits Show Benefits	0% intro APR for 15 billing cycles 19.24% - 29.24% (Variable) APR after that rates & fees	0% intro APR for 15 billing cycles 19.24% - 29.24% (Variable) APR after that	$0	Excellent / Good CreditApply Now View Card Details
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening. 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants 1% cash back on all other eligible purchases 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.24 - 29.24% No Annual Fee Terms and conditions apply.
Wells Fargo Active Cash® Card Hide Benefits Show Benefits	0% intro APR for 15 months from account opening 19.49%, 24.49%, or 29.49% variable APR after that rates & fees	0% intro APR for 15 months from account opening on qualifying balance transfers 19.49%, 24.49%, or 29.49% variable APR after that	$0	Good / Excellent CreditApply Now View Card Details
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months Earn unlimited 2% cash rewards on purchases 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.49%, 24.49%, or 29.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5 $0 annual fee No categories to track or remember and cash rewards don't expire as long as your account remains open Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). Select "Apply Now" to learn more about the product features, terms and conditions
Bank of America® Premium Rewards® credit card Hide Benefits Show Benefits	19.49% - 26.49% Variable APR	19.49% - 26.49% Variable APR	$95	Excellent / Good CreditApply Now View Card Details
Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening. Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend. No limit to the points you can earn and your points don't expire. Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center. Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years. No foreign transaction fees. Low $95 annual fee. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
U.S. Bank Altitude® Go Visa Signature® Card Hide Benefits Show Benefits	0% intro APR for 12 billing cycles 19.74% - 28.74% (Variable) APR after that rates & fees	0% intro APR for 12 billing cycles 19.74% - 28.74% (Variable) APR after that	$0	Excellent CreditApply Now View Card Details
Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more. 4X points on dining, takeout, and restaurant delivery. 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations 1X point on all other eligible purchases. 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 19.74% - 28.74%. No Annual Fee Points never expire Terms and conditions apply.
Costco Anywhere Visa® Card by Citi Hide Benefits Show Benefits	19.74% (Variable) APR	19.74% (Variable) APR	$0	Excellent CreditApply Now View Card Details
Discover one of Citi's best cash back rewards cards designed exclusively for Costco members 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 No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Capital One SavorOne Cash Rewards Credit Card Hide Benefits Show Benefits	19.24% - 29.24% (Variable) APR	19.24% - 29.24% (Variable) APR	$0	Good CreditLearn More View Card Details
You will earn a $200 bonus cash after spending $500 on purchases within the first 3 months of account opening You will earn unlimited 3% cash rewards on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on other purchases You will earn 10% cash rewards on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 You will earn 8% cash rewards on Capital One Entertainment purchases You will earn unlimited 5% cash rewards on hotels and rental cars purchased through Capital One Travel, where you'll get the best prices on trip options. Terms Apply No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire and there's no cap on how much you can earn 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR afterwards; 3% fee on the amounts transferred within the first 15 months Pay no foreign transaction fee Pay no annual fee
Marriott Bonvoy Business® American Express® Card Hide Benefits Show Benefits	20.49% - 29.49% Variable APR rates & fees	N/A	$125	Good, Excellent CreditApply Now View Card Details
Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23. Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply. 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card. Terms apply.
GM Business Card™ Hide Benefits Show Benefits	0% intro APR for 12 months 18.49% to 28.49% Variable APR after that rates & fees	N/A	No Annual Fee	Good, Excellent CreditApply Now View Card Details
Get the business card that rewards small business owners with special benefits. Redeem Earnings toward an eligible, new Chevrolet, Buick, GMC or Cadillac Get $750 in Bonus Earnings towards the purchase or lease of an eligible, new GM vehicle after you spend $5,000 on purchases in your first 5 months 5% in Earnings on eligible GM dealership parts, accessories or service purchases 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on all other purchases No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply 0% Intro APR on purchases for the first 12 months, variable of 18.49% to 28.49% APR after See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score Terms & Limitations Apply. Subject to credit approval
Delta SkyMiles® Gold Business American Express Card Hide Benefits Show Benefits	20.49% - 29.49% Variable APR rates & fees	N/A	$0 introductory annual fee for the first year, then $99	Good, Excellent CreditApply Now View Card Details
Limited Time Offer: Earn 75,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23. NEW: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees. Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding. Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases. Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year. Pay no foreign transaction fees when you travel overseas. $0 introductory annual fee for the first year, then $99. Terms and limitations apply.
Costco Anywhere Visa® Business Card by Citi Hide Benefits Show Benefits	19.74% (Variable) APR	N/A	$0	Excellent CreditApply Now View Card Details
Discover the only business credit card designed exclusively for Costco members 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 No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
PenFed Platinum Rewards Visa Signature® Card Hide Benefits Show Benefits	17.99% Variable APR	17.99% APR	$0	Good / Excellent CreditApply Now View Card Details
Get Rewarded on Everyday Purchases 5x Points on gas paid at the pump and EV charging stations 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services 1x Points on all other purchases 15,000 Bonus Points when you spend $1,500 in first 90 days 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date. Annual Fee: $0 Purchase Variable APR: 17.99% Refer to PenFed.org for Terms/Conditions
Capital One SavorOne Student Cash Rewards Credit Card Hide Benefits Show Benefits	19.24% - 29.24% (Variable) APR	19.24% - 29.24% (Variable) APR	$0	Average, Fair, Limited CreditApply Now View Card Details
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases Early Spend Bonus: Earn $50 when you spend $100 in the first three months Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges Enjoy no annual fee, foreign transaction fees, or hidden fees Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal Build your credit with responsible card use Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Capital One SavorOne Cash Rewards for Good Credit Hide Benefits Show Benefits	29.74% (Variable) APR	29.74% (Variable) APR No balance transfer fee	$0	Good CreditApply Now View Card Details
Earn 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 Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 Earn 8% cash back on Capital One Entertainment purchases Earn 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 No rotating categories or sign-ups needed to earn cash rewards Cash back won't expire for the life of the account and there's no limit to how much you can earn No foreign transaction fee No annual fee You're covered by $0 Fraud Liability if your card is ever lost or stolen
Bilt Mastercard® Hide Benefits Show Benefits	See Rates & Fees	See Rates & Fees	$0	Excellent, Good CreditApply Now View Card Details
Earn points when you make 5 transactions that post each statement period - up to 1x points on rent payments without the transaction fee (up to 50,000 points each calendar year), 3x points on dining, 2x points on travel, and 1x points on other purchases. Pay your monthly cell phone bill with your Bilt Mastercard® you'll get up to $800 of protection (subject to $25 deductible) against covered damage or theft No Annual Fee. No foreign currency conversion fees. See Rates and Fees and Rewards and Benefits.

Wells Fargo Autograph℠ Card

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Rates & Fees

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
Earn 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