Best Credit Cards for Dining
Whether you eat out often or order delivery, the right dining card can earn you significantly more on every meal. Here are the top cards ranked by dining rewards rate.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change — verify current offers on the issuer’s site.
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#1
IHG One Rewards Premier Card
5% on dining ~2.5% cash value $99/yrEarns 5% on dining with no spending cap. Points valued at ~0.5¢ each Up to 26x at IHG hotels, 5x on travel, gas, and dining.
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#2
Bilt World Elite Mastercard
4% on all purchases $0/yrEarns 4.0% on all purchases including dining. Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend.
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#3
American Express Gold Card
4% on dining $325/yrEarns 4% on dining up to $50,000/year, then 1.0% after. 4X points at restaurants worldwide, 4X on U.S. supermarkets, 3X on flights.
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#4
Fold
3.5% on all purchases $0/yrEarns 3.5% on all purchases including dining. Up to 3.5% bitcoin back on all purchases.
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#5
Capital One Savor Cash Rewards Credit Card
3% on dining $0/yrEarns 3% on dining with no spending cap. Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One.
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#6
Chase Freedom Flex
3% on dining via portal $0/yrEarns 3% on dining with no spending cap. 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores.
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#7
Chase Freedom Unlimited
3% on dining via portal $0/yrEarns 3% on dining with no spending cap. 3% on dining and drugstores, 5% on Chase Travel.
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How We Rank
Cards are ranked by their stated rewards rate in this spending category. This ranking does not account for: the cash value of points (which varies by card and redemption method), spending caps, annual fees, or portal booking requirements. All of these are shown per card so you can factor them in.
For a personalized comparison that weighs your actual spending, accounts for caps, subtracts annual fees, and estimates real dollar value, use our calculator.
Frequently Asked Questions
Which credit card gives the most rewards on dining?
The IHG One Rewards Premier earns 5x on dining (though points are worth ~0.5 cents each). For cash-equivalent value, the Amex Gold at 4x points and the Capital One Savor at 3% cash back are strong options.
Does food delivery count as dining?
It depends on the delivery service and card issuer. DoorDash, Uber Eats, and Grubhub usually code as restaurants. However, some services may code differently — check your statement to verify.
Do fast food restaurants count for dining rewards?
Yes, most fast food and quick-service restaurants code under the restaurant merchant category and qualify for dining bonus rates.
Should I get a dining card or a flat-rate card?
If you spend more than $200/month on dining, a dining bonus card likely beats a flat-rate card. Below that, the difference is small. Enter your spending in our calculator to compare.
Your Spending Is Unique
These rankings are based on stated rates. The card that actually earns you the most depends on how much you spend in each category, annual fees, and spending caps. Enter your numbers to see your personalized ranking.
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