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    The Best Credit Cards for Restaurants, Dining & Takeout in July 2024

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    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. No Preset Spending Limit)

    TOP DINING CARD
    American Express® Gold CardTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    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!

    Learn More(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

    If you're approved and accept this Card, your credit score may be impacted.

    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!
    Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
    60,000 points
    $1,320
    $250
    See Pay Over Time APR
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

    The American Express® Gold Card is a game-changer.

    With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, 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.

    Pros
    • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
    • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
    • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
    Cons
    • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
    • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
    • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
    • $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.
    • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
    • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
    • Choose the color that suits your style. Gold or Rose Gold.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.
    Financial Snapshot
    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    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 and at U.S. supermarkets (up to $25,000 per calendar year; 1x thereafter).

    Beyond that, this card comes with up to $10 in monthly dining statement credits when making purchases at participating partners, including Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. 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.!

    Earning rewards in 4x bonus spending categories, receiving dining credits, and the Uber Cash perks easily offset the annual fee. Note that terms may apply and 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)

    GREAT STARTER CARD
    Chase Sapphire Preferred® Card
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

    Learn More(at Chase's secure site)
    A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
    60,000 points
    $1,200
    $95
    21.49%-28.49% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

    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.

    Pros
    • 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)
    Cons
    • $95 annual fee
    • No elite benefits like airport lounge access or hotel elite status
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
    • 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, 2024.
    • Member FDIC
    Financial Snapshot
    • APR: 21.49%-28.49% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Chase Ultimate Rewards

    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, 2024. 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®

    Chase Sapphire Reserve®
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    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.

    Learn More(at Chase's secure site)
    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.
    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠
    60,000 points
    $1,200
    $550
    22.49%-29.49% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Excellent (740-850)

    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!

    Pros
    • 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 March 31, 2025
    • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
    Cons
    • $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. That's $900 toward travel when you redeem through Chase Travel℠.
    • $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.
    • 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
    Financial Snapshot
    • APR: 22.49%-29.49% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Chase Ultimate Rewards

    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 $100 application fee credit for Global Entry, TSA PreCheck, or NEXUS, and the best travel insurance from a credit card. The card also has no foreign transaction fees.

    4. Citi Premier® Card

    Citi Premier® Card
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    *The information regarding the Citi Premier card has expired, and the card is no longer open to applicants.

    *The information regarding the Citi Premier card has expired, and the card is no longer open to applicants.
    Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
    60,000 points
    $960
    $95
    21.24% - 29.24% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

    The Citi Premier® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!

    Pros
    • 3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
    • Access to Citi transfer partners
    • Annual hotel credit
    Cons
      • $95 annual fee
    • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
    • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
    • Earn 3 Points per $1 spent at Restaurants and Supermarkets
    • 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 redeemable for $600 in gift cards or travel rewards 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
    Financial Snapshot
    • APR: 21.24% - 29.24% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Citi ThankYou Rewards

    The Citi Premier card is Citi’s flagship rewards credit card, especially if you plan on spending significant amounts of money on food and travel.

    At the moment, this card earns 3x ThankYou Points per dollar spent on dining, putting it up there with some of the top earners for restaurant purchases. Its list of bonus categories is even much larger than that:

    • 3x points on air travel
    • 3x points at hotels
    • 3x points at supermarkets
    • 3x points on gas
    • 1x points everywhere else

    It also comes with a $100 annual hotel savings benefit for a single hotel stay of $500 or more (excluding taxes and fees) booked through thankyou.com, once per calendar year.

    The Citi Premier card also has no foreign transaction fees, plus access to Citi Entertainment, alongside no additional annual fees for authorized users, contactless payments, and mobile payments.

    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.

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