The more time you spend on restaurants and dining, the more you spend, and this is where the top credit cards specifically for restaurants and dining could help save you money and help you earn rewards, all while you spend as you normally do.
Based on our expert recommendations, these are the best credit cards for restaurants and dining in 2022.
With the Pay Over Time Feature, there is a 20.74% to 28.74% variable APR. Cards come in a shiny gold or rose gold color with an annual fee that is a bit steep at $250 per year.
Pros
Generous rewardsPay Over Time optionMonthly dining credits
Cons
High annual feeVaried rewards structureGood to excellent credit required
Pros
Generous intro offerHigh earningsStraightforward APR
Cons
Annual feeNo intro APRSelect merchants for bonuses
Chase gives 10x points on Chase Dining purchases through Ultimate Rewards, giving you some of the highest rewards seen for dining and restaurants. Other dining purchases receive 3x points, including delivery and takeout, while all other eligible purchases receive 1 point per dollar. Pros
Sign-up bonusPremium benefitsFlexible redemption
Cons
Very high annual feeExcellent credit requiredHigh APR
Regular rewards are the most generous for your meals, in fact, offering 4x points on dining, takeout, and restaurant delivery. There are also 2x points for those nights in when you stock up on groceries, fill gas, or use your card at an EV charging station. Other purchases earn you 1x points, but if you redeem through the Rewards Center Earn Mall, you can earn extra points at more than 1,100 online stores. Points never expire, so there is no rush for redemption, and there is no annual fee to help save you money. Pros
4x dining rewardsNo annual or foreign transaction feesBonus rewards through the Rewards Center Earn Mall
Cons
Balance transfer feeLimited perksLower rewards rate
To find the best credit cards for restaurants and dining, we consider a variety of factors that help narrow the field.
APR: A credit card’s APR shows the amount of interest that you will pay. Rewards: credit cards can offer a variety of different rewards for your restaurant and dining credit card, such as extra cashback on takeout or a higher rewards rate for your gas purchases. Welcome offer: Some credit cards may offer additional perks as a special welcome gift in addition to your normal rewards rate. This can include anything from extra cashback to a 0% introductory APR to get you started. Credit score: The type of credit you have will also determine what kind of credit card you can receive. For example, while you need excellent credit to apply for the Chase Sapphire Reserve, you could qualify with fair credit for an Upgrade Cash Rewards Visa®.Fees: The type of fees you pay can also cut into your savings. For example, while some cards have no annual fee, others may charge upwards of $400 each year for membership. Finding a card with few or no fees could significantly make a difference each year.
These are some of the other cards we found in our search that may be worth a second look.
Upgrade Cash Rewards Visa®: Don’t have the best credit but want dining rewardsAmerican Express® Business Gold Card: Ideal for small businessCiti Premier® Card: Excellent bonus categoriesDiscover it® Student chrome: Recommended for studentsHilton Honors American Express Surpass® Card: Made for Hilton fansPetal 2 “Cash Back, No Fees” Visa credit card: Restaurant credit card for limited creditBank of America® Customized Cash Rewards credit card: Earn 3% dining rewardsBank of America® Premium Rewards® credit card: Great for excellent credit
Before you finalize your search, consider our picks for the best starter credit card for no credit, the most exclusive presidents, and the best crypto credit cards for 2022!
