How do dining rewards credit cards work?

Certain credit cards allow you to earn rewards such as cash-back or points for using the card to pay for meals at restaurants, fast food outlets, hotels, Uber Eats, bars, or for other dining purchases. Each credit card will have its own requirements, level of earnings, and even limits on the amount of rewards you can earn. That’s why it’s important to select a card that matches your dining spending habits.

How do cash-back cards work?

Credit cards that offer cash-back on dining purchases return a percentage of your total purchase as a reward. For example, if you spend $100 at a restaurant and your cash-back credit card offers 3% cash-back on dining purchases, you receive $3 back. Some cards automatically credit your statement monthly with the cash-back you’ve earned during the previous statement period or periods, while others require you to earn points and then request to redeem those points for cash-back on your statement or transfer the funds to your bank account.

Do bars and fast food places count as restaurants?

Yes, fast food establishments and bars count as restaurants when it comes to earning rewards for dining. You simply use your credit card as usual for dining at these places. Occasionally, a cafe or food establishment within another facility, such as a sports arena or department store, may not code as a restaurant. It depends on how that food establishment is coded by the card issuer. Also, some cards do have a separate category for fast food and restaurants, so check your card’s category requirements to determine the amount of rewards you’d earn when dining at each of these.

If I add an authorized user to my card, will they earn dining rewards, too?

The short answer is yes. When the authorized user on your credit card uses the card to pay for dining, rewards are earned on the card then subsequently credited to the primary cardholder’s account. As a primary cardholder, your account earns all the rewards, but you’re also responsible for paying the account.

Are there credit cards that earn rewards on dining without an annual fee?

Yes, the Wells Fargo Autograph card earns an uncapped 3x points on dining purchases, including takeout, catering, delivery and more, with annual fee. Additionally, both the Ink Business Cash card and Amex Blue Business Plus card, earn 2% back and 2x points, respectively, with no annual fee.

How does the Chase DoorDash DashPass benefit work?

Chase Sapphire Preferred card and Chase Sapphire Reserve cardholders (and their authorized users) can enroll in the DoorDash DashPass benefit on DoorDash’s website. Once enrolled, you’re eligible for free delivery on orders of $12 or more and reduced service fees from participating DoorDash restaurants. Plus, the Chase Sapphire Reserve card offers $5 in DoorDash credits every month.

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The 11 Best Credit Cards for Restaurants, Dining, and Takeout [2025]

Updated: April 20, 2025, 11:25am CDT

Edited by:

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Table of Contents

Best Cards for Restaurants, Dining, and Takeout — Overview
What To Look for in a Credit Card for Restaurants and Dining
Best Personal Cards
Best Business Cards
Final Thoughts

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You don’t have to be a foodie to appreciate earning rewards when dining out or ordering in from your favorite restaurant. In fact, we’d say that there’s no sweeter dessert than seeing the points, miles, or even cash-back roll in after you’ve put down your fork.

But when it comes time to pay the check, do you worry about which of your cards would earn the most cash-back or points on dining purchases?

Well, yes, obviously.

We do, too, which is why we’ve created this go-to guide for the best credit cards to use when dining out.

This is our collection of the best credit cards for earning even more rewards on your credit cards when going out for grub.

Best Cards for Restaurants, Dining, and Takeout — Overview

What To Look for in a Credit Card for Restaurants and Dining

The truth is, when eating out, the biggest factor that should drive which credit card you use is its rewards structure. That means you’re unlikely to use purchase protection, return protection, or extended warranties at a restaurant. Plus, when you eat out, you probably don’t need an enormous spending limit beyond a traditional credit limit, so having huge spending power probably isn’t essential.

While you probably wouldn’t complain if you also received luxury travel perks with your credit card, it’s probably not the primary motivator for you in getting a credit card for restaurants and dining.

So that pretty much leaves rewards! In this next section, we’ll walk you through the best personal cards to use for restaurants and dining.

Best Personal Cards

You’d have to spend an extraordinary amount of money on dining to select a credit card based solely on the level of dining rewards that the card offers. For this reason, our choices for the best credit cards include those that offer more than just dining rewards.

American Express^® Gold Card

BEST FOR DINING

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating

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!

Apply Now(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.

American Express^® Gold Card

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!

Welcome OfferEarn 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.
60,000 points

UP's Offer Valuation*:
Up to   $1,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

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

Cons

$325 annual fee (rates and fees)
No lounge access

Read Full Review

Card Highlights

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.
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 get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
$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 U.S. 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.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90k points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

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 worldwide (up to $50,000 per year, then 1x) and at U.S. supermarkets (up to $25,000 per year, then 1x). That means whether you’re eating out or cooking up a storm at home, you get amazing rewards.

Beyond that, this card comes with up to $10 in monthly dining statement credits for purchases at participating partners, including Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. You have to enroll to get this benefit.

Also, other dining-related perks include:

Up to $120 in annual Uber Cash for Uber rides or Uber Eats orders in the U.S., distributed as $10 per month
Up to $100 in annual Resy credits redeemable at any U.S. Resy restaurant and other eligible Resy purchases, distributed as $50 semi-annually
Up to $84 in annual Dunkin’ credits redeemable at U.S. Dunkin’ locations, distributed as $7 per month

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.

But beyond that, the Amex Gold card also earns 3x points on flights booked directly with the airline or through AmexTravel.com. It even confers access to The Hotel Collection to get you a room upgrade and property credits when booking eligible stays.

To round it out, you get baggage insurance, secondary rental car coverage, purchase protection, an extended warranty, and more.

The Amex Gold card has no foreign transaction fees (rates and fees), no preset spending limit, and lets you add up to 5 authorized users for no additional annual fees — each card thereafter has a $35 annual fee (rates and fees).

No preset spending limit means 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.

Hot Tip: See the full benefits and perks offered for being an Amex Gold cardholder, which we value at over $4,000.

Why We Like Earning American Express Membership Rewards Points

To say that we love the Amex Membership Rewards system is an understatement. And there’s a good reason: These points are among the most valuable transferable currencies, worth 2.2 cents each, by our valuations.

Earning 4x points means you earn a return on spending of 8.8%, which is incredible. And while you can redeem points for cash-back, charity, gift cards, statement credits, and travel via AmexTravel.com using Pay With Points, it’s best to use Amex transfer partners for incredible luxury flights and hotels.

Chase Sapphire Preferred^® Card

BEST BEGINNER CARD

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating

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

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

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

Welcome OfferEarn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
60,000 points

UP's Offer Valuation*:
$1,200

Annual Fee

$95

APR

19.99% - 28.24% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

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 & Cons

Pros

5x points on all travel booked via the Chase Travel portal
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide

Cons

$95 annual fee
No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
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.
Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Member FDIC

Financial Snapshot

APR: 19.99% - 28.24% 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 a generous welcome bonus offer to help you rack up points faster.

Another neat perk you get with this card is complimentary DoorDash DashPass for a minimum of 1 year if you activate it by December 31, 2027. This is a subscription service that includes free food delivery on select DoorDash orders over $12. It also reduces 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 September 30, 2027
5x points on Peloton equipment and accessory purchases over $150 through December 31, 2027
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 Chase Travel, 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.

Why We Like Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards points are incredibly valuable. They’re worth 2 cents per point by our valuations, and you can redeem your points for cash-back, Amazon.com purchases, travel via Chase Travel, gift cards, or charitable donations. That means you can get a return on spending of around 6.2% when you earn 3x points with the 10% anniversary bonus!

But if you want to get the best value, transfer them to Chase’s airline and hotel partners to book award travel!

Hot Tip: If you are using a Chase credit card, check your Chase Offers to see if you’re eligible for additional restaurant discounts or cash-back.

Chase Sapphire Reserve^®

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating

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.

Apply Now(at Chase's secure site)

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.

Welcome OfferEarn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
60,000 points

UP's Offer Valuation*:
$1,200

Annual Fee

$550

APR

20.24% - 28.74% Variable

Credit Recommended

Excellent

Why We Like This Card

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 & Cons

Pros

10x total points on hotels and car rentals when you purchase travel through Chase Travel^SM immediately after the first $300 is spent on travel purchases annually
5x points on airfare booked through Chase Travel^SM
3x points on all other travel and dining purchases; 1x point on all other purchases

Cons

$550 annual fee
Does not offer any hotel elite status

Read Full Review

Card Highlights

Earn 60,000 bonus points after you spend $5,000 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.
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 $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck^®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
Member FDIC

Financial Snapshot

APR: 20.24% - 28.74% 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 to the frequent traveler. These include travel purchase credits, worldwide lounge access, earnings on travel purchases, and a generous welcome bonus offer.

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)

The Chase Sapphire Reserve card includes free membership to DoorDash DashPass, and there’s also a $5 monthly DoorDash credit available.

Plus, cardholders have access to the Exclusive Tables program, which provides priority access to peak reservation times at some of the top restaurants in the U.S. Bookings are made through OpenTable.com or the OpenTable mobile app. The cities with available restaurants are subject to change. They may include: Atlanta, Austin, Boston, Chicago, Dallas, Denver, Detroit, Houston, Las Vegas, Los Angeles, Miami, Milwaukee, Minneapolis, Nashville, New Orleans, New York City, Philadelphia, Phoenix, Portland, San Antonio, San Diego, San Francisco, Seattle, Washington D.C., and more.

Furthermore, this iconic, ultra-premium credit card boasts additional earning categories:

10x points on car rentals and hotels booked through Chase Travel
10x points on Peloton equipment and accessory purchases over $150 through December 31, 2027
5x points on air travel booked through Chase Travel
1x points on all other purchases

Outside of dining, benefits include up to $300 travel credit every anniversary year, a complimentary Priority Pass Select membership, a 50% bonus on redemptions made through Chase Travel and Pay Yourself Back, access to the Chase Luxury Hotel & Resort Collection, a $120 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.

Hot Tip: Holders of the Chase Sapphire Preferred card, Chase Sapphire Reserve card, Chase Freedom Flex℠, or Ink Business cards receive access to the Chase Dining hub via Ultimate Rewards online.

Capital One Savor Cash Rewards Credit Card

Terms Apply / Rates & Fees

Capital One Savor Cash Rewards Credit Card

U.P. Rating

The Capital One Savor card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target).

Apply Now(at Capital One's secure site)

Capital One Savor Cash Rewards Credit Card

Welcome OfferEarn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
$200

Annual Fee

APR

Purchases: 0% intro on purchases for 15 months; 19.24% - 29.24% variable thereafter

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Capital One Savor card is a phenomenal option when it comes to no-annual-fee cash-back credit cards. With popular bonus categories like dining, grocery stores (excluding superstores like Walmart and Target), entertainment, and popular streaming services, and the ability to earn 3% cash-back on these purchases, it is easy to see why those who use the card can earn some serious cash-back throughout the year.

The card also allows you to take your rewards and experiences even further by offering access to Capital One Travel, Capital One Dining, and Capital One Entertainment.

Pros & Cons

Pros

8% cash back on Capital One Entertainment purchases
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
3% cash-back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target)

Cons

Rewards are purely cash-back, so there is no option for miles transfers to transfer partners for redemptions

Read Full Review

Card Highlights

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart^® and Target^®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
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; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee

Financial Snapshot

APR: Purchases: 0% intro on purchases for 15 months; 19.24% - 29.24% variable thereafter
Foreign Transaction Fees: None

The Capital One Savor card is a foodie’s delight because it offers fantastic cash-back rewards on a wide array of useful bonus categories.

To start off, it usually offers a decent welcome bonus offer. But the special feature of this card is that it earns an unlimited 3% cash-back on all dining purchases and grocery stores (excluding superstores like Walmart and Target).

It doesn’t end there — this card confers access to Capital One Dining, which is where you can make exclusive restaurant reservations and book culinary experiences curated by world-famous chefs.

For your other purchases, enjoy:

8% cash-back on Capital One Entertainment purchases
5% cash-back on hotels and rental cars booked through Capital One Travel
3% cash-back on all other entertainment purchases
3% cash-back on popular streaming services
1% cash-back on all other purchases

There are no rewards more flexible than cash-back, so if you spend a lot on dining out, it helps to have the Capital One Savor card handy to pay the check.

Citi Strata Premier℠ Card

U.P. Rating

Citi Strata Premier℠ Card

Welcome OfferFor a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
75,000 points

UP's Offer Valuation*:
$1,200

Annual Fee

$95

APR

20.24% - 28.24% Variable APR

Why We Like This Card

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

10x points on hotels, car rentals, and attractions booked through CitiTravel.com
3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
$100 annual hotel benefit

Cons

$95 annual fee

Read Full Review

Card Highlights

For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
Earn 1X point per $1 spent on all other purchases.
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
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: 20.24% - 28.24% Variable APR
Foreign Transaction Fees: None

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

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
3x points on EV charging stations
1x points everywhere else

Plus, the card earns 10x points on hotels, car rentals, and attractions booked through CitiTravel.com, and also comes with a $100 annual hotel savings benefit for a single hotel stay of $500 or more (excluding taxes and fees) booked through Citi Travel, once per calendar year.

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

Why We Like Earning Citi ThankYou Points

Citi ThankYou Points are worthwhile to collect — they’re worth around 1.6 cents per point, by our valuations. That means earning 5x ThankYou Points is equal to a return on spending of 4.8%.

These points can be used for cash-back, gift cards, bookings made through the Citi Travel portal, and of course, for transfers to travel partners. Our favorite way to redeem your points is for luxury travel using transfer partners.

Wells Fargo Autograph Journey℠ Card

U.P. Rating

A powerful point earning card with access to transfer partners.

Wells Fargo Autograph Journey℠ Card

A powerful point earning card with access to transfer partners.

Welcome OfferEarn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
60,000 points

UP's Offer Valuation*:
$900

Annual Fee

$95

APR

20.24%, 25.24%, or 29.24% Variable APR

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Wells Fargo Autograph Journey^SM Card is an excellent option for those looking for a great all-around travel rewards card that offers bonus categories on hotels, airfare, travel, and dining, giving you the opportunity to earn points on these purchases quickly.

Plus the card offers flexible redemption options including access to transfer partners, an annual statement credit with airfare purchase, and no foreign transaction fees.

Pros & Cons

Pros

Earn 5x points on hotels
Earn 4x points on airfare
Earn 3x points on other travel and restaurants; 1x on other purchases

Cons

$95 annual fee
List of transfer partners is smaller than competing programs

Read Full Review

Card Highlights

Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
$95 Annual Fee.
Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
Earn a $50 annual statement credit with $50 minimum airline purchase.
Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Financial Snapshot

APR: 20.24%, 25.24%, or 29.24% Variable APR
Foreign Transaction Fees: None

The Wells Fargo Autograph Journey card is great for dining purchases thanks to its 3x rewards on restaurant spend, but the card also earns 5x points on hotels, 4x points on airfare, and 3x points on other travel — making it a great option for those who travel often as well.

Additionally, the card offers solid perks like a $50 annual statement credit with $50 minimum airline purchase, lost luggage reimbursement, auto rental collision damage waiver, cell phone protection, no foreign transaction fees, and more.

Why We Like Earning Wells Fargo Rewards Points

Like many of the other rewards ecosystems mentioned, Wells Fargo Rewards are great because they offer multiple redemption options, including redeeming your points through the Wells Fargo travel portal for gift cards, through the Wells Fargo transfer partners, or as cash-back to offset purchases made with the card.

Wells Fargo Autograph℠ Card

U.P. Rating

The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

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

Annual Fee

APR

0% intro APR for 12 months from account opening on purchases, 19.24%, 24.24%, or 29.24% variable APR thereafter

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Wells Fargo Autograph℠ Card is an excellent no annual fee card that offers 3x points on 6 different bonus categories. Choose from multiple options when you’re ready to redeem your rewards, and take advantage of great perks including cell phone protection, auto rental collision damage waiver, and no foreign transaction fees.

Pros & Cons

Pros

3x points per $1 spent on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
1x points per $1 spent on other purchases
No annual fee

Cons

Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized value

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Card Highlights

Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
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. 19.24%, 24.24%, or 29.24% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. 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.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Financial Snapshot

APR: 0% intro APR for 12 months from account opening on purchases, 19.24%, 24.24%, or 29.24% variable APR thereafter
Foreign Transaction Fees: None

One way that the Wells Fargo Autograph card stands out from the rest of the best personal cards for dining is that not only does it earn 3x points on all dining spend, but it also has a $0 annual fee — unlike all of the other cards mentioned thus far.

Plus, the card is a workhorse when it comes to earning points, as it offers 5 other bonus categories in addition to dining, including:

Travel (including flights, hotels, car rentals, cruises, and more)
Gas (including electric vehicle charging stations)
Transit (including subways, ride-shares, parking, tolls, and more)
Popular streaming services (including Apple TV+, Disney+, Hulu, Peacock, and more)
Phone plans (including cell phone and landline providers)

The card also offers perks like roadside dispatch, auto rental collision damage waiver, cell phone insurance protection, and more.

Bottom Line:

If you spend a lot on dining, it pays to find a card that rewards all of those purchases. Seek out cards that have dining category earnings of 4x points, 4% cash-back (or more!), or that earn flexible travel rewards to maximize your earnings at restaurants.

Best Business Cards

If you often eat at restaurants or make other dining purchases for your business, use the best business credit cards available.

In this next section, we’ll show you which business cards to use for restaurants and dining.

American Express^® Business Gold Card

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome OfferEarn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
100,000 points

UP's Offer Valuation*:
Up to   $2,200

Annual Fee

$375

APR

18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening

Credit Recommended

Good to Excellent

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
Access to Amex’s The Hotel Collection

Cons

$375 annual fee (rates and fees)
No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
*Terms Apply

Financial Snapshot

APR: 18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 200k points with the Amex Business Gold card. The current public offer is 100,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The best business card for dining and restaurants is, without a doubt, the Amex Business Gold card. This card overshadows all of its competitors and peers because of its amazing rewards structure.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
U.S. purchases made from electronic goods retailers and software & cloud system providers
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online, TV, radio)

If you happen to spend a lot of money at restaurants every year for your business, you can earn up to 600,000 Amex points by maxing out that 4x bonus points! That’s worth a whopping $13,000 or more!

The card also offers up to $240 back annually ($20 per month) on eligible purchases at FedEx, Grubhub, and office supply stores. Make sure to enroll first to use these benefits.

The Amex Business Gold card also has no preset spending limit, the ability to book stays through The Hotel Collection, travel insurance, purchase protection, extended warranty, no foreign transaction fees (rates and fees), and the annual fee for employee cards is $95 for the first five cards and then $95 for each card thereafter, up to 99 cards (rates and fees).

The Blue Business^® Plus Credit Card from American Express

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Apply Now(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome OfferEarn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points

UP's Offer Valuation*:
Up to   $330

Annual Fee

No annual fee

APR

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.

Credit Recommended

Good to Excellent

Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons

Pros

2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost

Cons

No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status

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Card Highlights

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.

Financial Snapshot

APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card is one of the absolute best cards for business owners who have relatively low expenses and want top-shelf rewards without a huge annual fee.

Specifically, this card earns 2x Membership Rewards points on everyday business purchases (up to $50,000 per calendar year). With this card, you don’t need to worry about any bonus categories — all purchases earn those sweet 2x points, which is equivalent to a 4.4% return on spending.

Other perks include a 0% introductory APR benefit, as well as access to Expanded Buying Power, access to Amex Offers, employee cards for no added fee, purchase protection, and extended warranty coverage (rates and fees).

Ink Business Cash^® Credit Card

Terms Apply / Rates & Fees

Ink Business Cash^® Credit Card

U.P. Rating

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Apply Now(at Chase's secure site)

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome OfferEarn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750

UP's Offer Valuation*:
Up to $750

Annual Fee

APR

0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 17.49% - 25.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
Travel insurance and purchase protection

Cons

Spending caps in bonus categories
Low points earning outside of bonus categories

Read Full Review

Card Highlights

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
0% introductory APR for 12 months on purchases
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Ink Business Cash card is an incredible card for the right business owner. To start off, this card boasts an impressive welcome bonus offer while having a $0 annual fee.

As it relates to dining, you can earn 2% cash-back on up to $25,000 in combined purchases every account anniversary year at restaurants and gas stations.

Also, you can earn 5% cash-back on up to $25,000 in combined purchases every account anniversary year at office supply stores and on cellular phone, landline, internet, and cable TV services.

But what makes this card special is that the cash-back rewards can actually be converted to Ultimate Rewards points if you also have an Ultimate Rewards credit card, such as the Chase Sapphire Preferred card or Chase Sapphire Reserve card.

That means you can convert your 5% or 2% cash-back to 5x and 2x Ultimate Rewards points, effectively making your return on spending catapult up to 10% and 4%, respectively.

To wrap up on this card, enjoy purchase protection, travel insurance, and no additional fees for employee cards.

Marriott Bonvoy Business^® American Express^® Card

Terms Apply / Rates & Fees

Marriott Bonvoy Business^® American Express^® Card

U.P. Rating

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Apply Now(at Amex's secure site)

Marriott Bonvoy Business^® American Express^® Card

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Welcome OfferWELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
3 Free Night Awards

UP's Offer Valuation*:
Up to   $1,050

Annual Fee

$125

APR

19.99% - 28.99% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business^® American Express^® Card. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.

Pros & Cons

Pros

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 per $1 on all other purchases

Cons

Moderate annual fee of $125 (rates and fees)
No premium perks like airport lounge access

Read Full Review

Card Highlights

WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy^® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees. Terms apply.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy^® member & a Marriott Bonvoy Business^® American Express^® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
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. Award 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 Marriott Bonvoy Business^® American Express^® Card.
Terms apply.

Financial Snapshot

APR: 19.99% - 28.99% Variable
Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

The last business card for restaurants and dining that we’ll discuss is the Marriott Bonvoy Business card. This terrific business credit card is a perfect fit for business owners with loyalty to Marriott properties around the world.

This card often comes with a great welcome bonus offer, and it earns 4x Marriott Bonvoy points at restaurants worldwide. These earnings are uncapped, and you also earn up to 6x points on other purchases:

6x points at hotels participating in the Marriott Bonvoy program
4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and U.S. purchases for shipping
2x points on all other purchases

The card even comes with 15 Elite Night Credits to get closer to Marriott Bonvoy status, complimentary Marriott Bonvoy Gold Elite status, a Free Night Award after each cardmember anniversary (up to 35,000 points), and no foreign transaction fees (rates and fees).

Why We Like Earning Marriott Bonvoy Points

Marriott Bonvoy points, according to our valuations, are worth around 0.7 cents each.

Of course, you can redeem Marriott Bonvoy points for hotel stays, but one of the best ways to get maximum value from Marriott Bonvoy points is by transferring them to airline partners for luxury award travel.

In particular, if you transfer points to airlines, you can get incredible value when booking flights like Emirates first class or Lufthansa first class.

Final Thoughts

According to the U.S. Bureau of Labor Statistics, the average U.S. household spends nearly $3,700 each year on food away from home. If you spend that or more, having a credit card that earns dining rewards is a smart move.

Dining rewards are just 1 earning category. Match your entire spending profile with the bonus categories that come with any credit card to make sure you’re maximizing the earning power of that specific credit card.

If dining out is your passion or your job, your bottom line will grow with a credit card in your wallet that rewards those expenses. Bon appétit!

For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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 benefit of the American Express^® Gold Card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of the American Express^® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of the American Express^® Business Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the American Express^® Business Gold Card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of The Blue Business^® Plus Credit Card from American Express, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The Blue Business^® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Card	Welcome Offer and Annual Fee	Earning Rates and Dining Benefits
American Express^® Gold Card	60,000 pointsAmerican Express^® Gold CardEarn 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. Annual fee of $325 (rates and fees)	1x-4x pointsAmerican Express^® Gold Card 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. Statement credits for dining, Uber Cash, Resy, and Dunkin’ (enrollment required)
Chase Sapphire Preferred^® Card	60,000 pointsChase Sapphire Preferred^® CardEarn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Annual fee of $95	1x-5x pointsChase Sapphire Preferred^® Card Earn 5x points on travel purchased through Chase Travel℠ Earn 3x points on dining Earn 3x points on select streaming services and online groceries Earn 2x points on all other travel purchases Earn 1x points on all other purchases Complimentary DoorDash DashPass (activated by December 31, 2027)
Chase Sapphire Reserve^®	60,000 pointsChase Sapphire Reserve^®Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Annual fee of $550	1x-10x pointsChase Sapphire Reserve^® 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 Earn 1 point per $1 spent on all other purchases Complimentary DoorDash DashPass (activated by December 31, 2027) and $5 monthly credit Exclusive Tables Benefit
Capital One Savor Cash Rewards Credit Card	$200Capital One Savor Cash Rewards Credit CardEarn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. Annual fee of $0 (rates & fees)	1%-8% cash-backCapital One Savor Cash Rewards Credit Card 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 Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart^® and Target^®) Earn 1% cash back on all other purchases
Citi Strata Premier℠ Card	75,000 pointsCiti Strata Premier℠ CardFor a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com. Annual fee of $95	1x-10x pointsCiti Strata Premier℠ Card Earn 10X points on hotels, car rentals, and attractions booked through CitiTravel.com. Earn 3X points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations. Earn 1X point per $1 on all other purchases.
Wells Fargo Autograph Journey℠ Card	60,000 pointsWells Fargo Autograph Journey℠ CardEarn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip. Annual fee of $95	1x-5x pointsWells Fargo Autograph Journey℠ Card Earn 5X points on hotels Earn 4X points on airlines Earn 3X points on other travel and restaurants Earn 1X points on other purchases
Wells Fargo Autograph℠ Card	20,000 pointsWells Fargo Autograph℠ CardEarn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. Annual fee of $0	1x-3x pointsWells Fargo Autograph℠ Card Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Earn 1X points on other purchases.
American Express^® Business Gold Card	ELEVATED OFFER100,000 pointsAmerican Express^® Business Gold CardEarn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Annual fee of $375 (rates and fees)	1x-4x pointsAmerican Express^® Business Gold Card Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. Earn 1X Membership Rewards^® points on all other eligible purchases. Terms Apply. Up to $20 in monthly credits for eligible U.S. purchases at FedEx, Grubhub, and office supply stores (enrollment required)
The Blue Business^® Plus Credit Card from American Express	15,000 pointsThe Blue Business^® Plus Credit Card from American ExpressEarn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Annual fee of $0 (rates and fees)	1x-2x pointsThe Blue Business^® Plus Credit Card from American Express Earn 2X Membership Rewards^® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Earn 1X Membership Rewards^® point on other purchases. Terms Apply.
Ink Business Cash^® Credit Card	Up to $750Ink Business Cash^® Credit CardEarn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. Annual fee of $0	1%-5% cash-backInk Business Cash^® Credit Card Earn 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year Earn 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash-back on all other purchases
Marriott Bonvoy Business^® American Express^® Card	3 Free Night AwardsMarriott Bonvoy Business^® American Express^® CardWELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy^® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees. Terms apply. Annual fee of $125 (rates and fees)	2x-6x pointsMarriott Bonvoy Business^® American Express^® Card Earn 6x Marriott Bonvoy^® points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy^® program. Earn 4x Marriott Bonvoy^®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. Earn 2x Marriott Bonvoy^®points on all other eligible purchases. Terms Apply.

Best Cards for Restaurants, Dining, and Takeout — Overview

What To Look for in a Credit Card for Restaurants and Dining

Best Personal Cards

American Express® Gold Card

Apply With Confidence

Know if you're approved with no credit score impact

Why We Like Earning American Express Membership Rewards Points

Chase Sapphire Preferred® Card

Why We Like Earning Chase Ultimate Rewards Points

Chase Sapphire Reserve®

Capital One Savor Cash Rewards Credit Card

Citi Strata Premier℠ Card

Why We Like Earning Citi ThankYou Points

Wells Fargo Autograph Journey℠ Card

Why We Like Earning Wells Fargo Rewards Points

Wells Fargo Autograph℠ Card

Best Business Cards

American Express® Business Gold Card

The Blue Business® Plus Credit Card from American Express

Ink Business Cash® Credit Card

Marriott Bonvoy Business® American Express® Card

Why We Like Earning Marriott Bonvoy Points

Final Thoughts

American Express^® Gold Card

Chase Sapphire Preferred^® Card

Chase Sapphire Reserve^®

American Express^® Business Gold Card

The Blue Business^® Plus Credit Card from American Express

Ink Business Cash^® Credit Card

Marriott Bonvoy Business^® American Express^® Card