The Best Credit Cards for Restaurants, Dining & Takeout in October 2024
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These credit cards below offer excellent rewards and points for dining purchases, including restaurants and takeout.
Our top pick is the American Express® Gold Card as it offers so many points per $1 spent on dining purchases.
A close second is the Chase Sapphire Preferred® Card, which is an excellent card overall.
1. American Express® Gold Card (Best for Restaurants, Take-Out and U.S. Supermarkets)
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This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
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The American Express® Gold Card is a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
- 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
- 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
- 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
- $325 annual fee (rates and fees)
- No lounge access
- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
- Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
- APR: See Pay Over Time APR
- Foreign Transaction Fees: None
The Amex Gold card is the best card to maximize your earning potential at restaurants and dining. That’s because it earns 4x Membership Rewards Points per dollar for purchases at restaurants (up to $50,000 per year) and at U.S. supermarkets (up to $25,000 per year).
Beyond that, this card comes with up to $10 in monthly dining statement credits when making purchases at participating partners Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. You have to enroll to get this benefit.
Also, another dining-related perk is up to $120 in Uber Cash, which is offered in the form of $10 per month. You can use this for Uber rides in the U.S., as well as Uber Eats orders in the U.S.! Plus, cardmembers now also receive a $7 monthly credit for purchases at Dunkin’, which totals up to $84 a year back as a statement credit.
Earning rewards in 4x bonus spending categories, receiving dining credits, and the Uber Cash perks easily offset the annual fee. Note that enrollment is required for certain Amex Gold card benefits. The card is a top choice for dining rewards.
To round it out, though, you’ll get baggage insurance, secondary rental car coverage, purchase protection, extended warranty, a complimentary ShopRunner membership, and so much more!
The Amex Gold card has no foreign transaction fees, no preset spending limit, and up to 5 authorized users for no additional annual fees (rates & fees). With no preset spending limit, your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
2. Chase Sapphire Preferred® Card (Best Sub-$100 Annual Fee Card)
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
- 5x points on all travel booked via the Chase Travel portal
- 5x points on select Peloton purchases over $150 (through March 31, 2025)
- 5x points on Lyft purchases (through March 31, 2025)
- $95 annual fee
- No elite benefits like airport lounge access or hotel elite status
- Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
- APR: 20.99% - 27.99% Variable
- Foreign Transaction Fees: None
The Chase Sapphire Preferred card earns an amazing 3x Ultimate Rewards points per dollar spent on dining and online grocery purchases. This is especially impressive when you consider its mild annual fee. It even has an enormous welcome bonus that’ll help you rack up points faster than ever.
Another neat perk you’ll get with this card is a complimentary DoorDash DashPass for a minimum of 1 year when you activate by December 31, 2027. This is a subscription service that includes free food delivery on select DoorDash orders over $12 and reduced fees, which makes ordering food delivery just a little bit cheaper.
There are plenty of other earning categories available:
- 5x points on all travel booked through Chase Travel
- 5x points on all Lyft purchases through March 31, 2025
- 3x points on select streaming purchases
- 2x points on all other travel worldwide
- 1x points on all other purchases
It even has a $50 annual credit on hotel stays booked through Chase Travel.
Other important benefits include a 25% redemption bonus when you book through the Chase travel portal, awesome travel insurance (including primary rental car coverage), and a unique 10% annual points bonus every anniversary!
For all these reasons, plus no foreign transaction fees and no added fees for authorized users, we’ve included it as one of the best credit cards for dining.
3. Chase Sapphire Reserve®
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
- 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
- 10x points on Lyft purchases through March 31, 2025
- 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
- $550 annual fee
- Does not offer any sort of hotel elite status
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
- APR: 21.99% - 28.99% Variable
- Foreign Transaction Fees: None
While the Chase Sapphire Reserve card has a premium annual fee, it’s packed with equally premium benefits that bring great value for the frequent traveler. These include travel purchase credits, worldwide lounge access, earnings on travel purchases, and a generous welcome bonus.
But to start, it earns Ultimate Rewards points at an impressive pace:
- 10x points on Chase Dining booked through Chase Travel (including prepaid reservations, takeout, and virtual cooking events)
- 3x points on all other dining (including takeout and delivery)
Further, the Chase Sapphire Reserve card includes a free membership to DoorDash DashPass. There’s also a $5 monthly DoorDash credit available.
Furthermore, this iconic ultra-premium credit card boasts additional earning categories:
- 10x points on car rentals and hotels booked through Chase Travel
- 5x points on air travel booked through Chase Travel
- 1x points on all other purchases
Non-dining benefits include an up to $300 travel credit every anniversary year, a complimentary Priority Pass Select membership, a 50% bonus on redemptions made through the Chase travel portal and Pay Yourself Back, access to the Chase Luxury Hotel & Resort Collection, a $120 application fee credit for Global Entry, TSA PreCheck, or NEXUS (as of October 1, 2024), and the best travel insurance from a credit card. The card also has no foreign transaction fees.
For the car rental collision damage coverage benefit of the American Express® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc.
For the baggage insurance plan benefit of the American Express® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the purchase protection and extended warranty benefit of the American Express® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For rates and fees of the American Express® Gold Card, click here.