Best Dining Credit Card in 2021

Dining credit cards help you get rewards and bonus points when you use them for dining. You can also use rewards on gas, travel, and hotel expenses.

In this article, we listed the best dining credit card options you can choose from. To show you what makes each of them unique, we included the following:

  • Review methodology
  • Individual reviews
  • How to choose the best credit card
  • Tips
  • FAQ
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11 Best Dining Credit Card Options 2021

1. Capital One® Savor® Rewards

Capital One® Savor® Rewards offers some of the best credit card rewards for dining and entertainment. It offers a 4% cashback for dining and entertainment expenses, as well as a generous introductory bonus of $300. The redemption process is easy and you can redeem rewards anytime you want to. Full Review

  • Generous introductory bonus
  • Large cash-back rewards on food and entertainment
  • Easy redemption options
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Capital One® Savor® Rewards offers some of the best credit card rewards for dining and entertainment. It offers a 4% cashback for dining and entertainment expenses, as well as a generous introductory bonus of $300. The redemption process is easy and you can redeem rewards anytime you want to. Full Review

Fees

4.5/5

Interest Rates

4.9/5

Rewards

4/5

Benefits

4.7/5

2. Chase Sapphire Reserve®

Chase Sapphire Reserve is the best credit card for dining and travel rewards. This card offers $300 yearly travel credits, on top of the 3 points per dollar you get on travel and dining expenses. You’ll also get 50,000 bonus points when you spend $4,000 within your first three months as a cardholder. Full Review

  • High signup bonus
  • 10 bonus points when using Lyft
  • Trip reimbursement and insurance
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Chase Sapphire Reserve is the best credit card for dining and travel rewards. This card offers $300 yearly travel credits, on top of the 3 points per dollar you get on travel and dining expenses. You’ll also get 50,000 bonus points when you spend $4,000 within your first three months as a cardholder. Full Review

Fees

5/5

Interest Rates

4.9/5

Rewards

4.8/5

Benefits

4.7/5

3. American Express® Gold Card

The American Express Gold Card is the best credit card for restaurants and groceries. It offers generous rewards on dining and supermarket expenses and yearly credits for dining and travel. There’s also a generous signup bonus of 60,000 points, which you can redeem through AmEx’s partner hotels and airlines. Full Review

  • 60,000 points in signup bonus
  • Can use points with airline and hotel partners
  • Dining, groceries, and travel rewards
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The American Express Gold Card is the best credit card for restaurants and groceries. It offers generous rewards on dining and supermarket expenses and yearly credits for dining and travel. There’s also a generous signup bonus of 60,000 points, which you can redeem through AmEx’s partner hotels and airlines. Full Review

Fees

4.7/5

Interest Rates

4.9/5

Rewards

4/5

Benefits

4.8/5

4. Citi Premier℠ Card

The Citi Premier Card is the best dining credit card that’s also ideal for travel and shopping. It offers a generous signup bonus of 60,000 points that you can redeem for airfare. You get 3 points per dollar spent on dining, travel, and shopping and 1 point per dollar on other purchases. Full Review

  • Points for travel, gas, airlines, restaurants, and groceries
  • $100 annual hotel savings benefit
  • Generous signup bonus
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The Citi Premier Card is the best dining credit card that’s also ideal for travel and shopping. It offers a generous signup bonus of 60,000 points that you can redeem for airfare. You get 3 points per dollar spent on dining, travel, and shopping and 1 point per dollar on other purchases. Full Review

Fees

4.7/5

Interest Rates

4.5/5

Rewards

4.9/5

Benefits

5/5

5. Chase Sapphire Preferred®

Chase Sapphire Preferred is the best points credit card for dining and traveling if you love rewards but don’t want to pay a high annual fee for premium features. You can also get 60,000 bonus points as a signup bonus and use those points in Chase’s partner restaurants and hotels. Full Review

  • Points for travel, dining, and deliveries
  • Large welcome bonus
  • Transferable points
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Chase Sapphire Preferred is the best points credit card for dining and traveling if you love rewards but don’t want to pay a high annual fee for premium features. You can also get 60,000 bonus points as a signup bonus and use those points in Chase’s partner restaurants and hotels. Full Review

Fees

4.5/5

Interest Rates

4.9/5

Rewards

4/5

Benefits

4.7/5

6. IHG® Rewards Club Premier Credit Card

The IHG Rewards Club Premier credit card is the best dining credit card that’s also great for people who frequently stay at hotels. Get 25 points per dollar spent at an IHG hotel, plus a Platinum Elite membership status. You’ll also get 140,000 points as a signup bonus and a free hotel stay each year on your account’s anniversary. Full Review

  • Relatively lower annual fee
  • Account anniversary reward
  • Super generous signup bonus
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The IHG Rewards Club Premier credit card is the best dining credit card that’s also great for people who frequently stay at hotels. Get 25 points per dollar spent at an IHG hotel, plus a Platinum Elite membership status. You’ll also get 140,000 points as a signup bonus and a free hotel stay each year on your account’s anniversary. Full Review

Fees

4.5/5

Interest Rates

4.9/5

Rewards

4.8/5

Benefits

5/5

7. Costco Anywhere Visa® Card by Citi

The Costco Anywhere Visa® Card by Citi is the best cashback credit card for dining and gas purchases if you frequently shop at Costco. There’s no annual fee, and the rates for gas purchases and restaurants are generous — 4% cashback for gas purchases and 3% cashback for dining and travel. Full Review

  • High cash-back rewards on gas purchases
  • Restaurant and travel rewards
  • No annual fee
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The Costco Anywhere Visa® Card by Citi is the best cashback credit card for dining and gas purchases if you frequently shop at Costco. There’s no annual fee, and the rates for gas purchases and restaurants are generous — 4% cashback for gas purchases and 3% cashback for dining and travel. Full Review

Fees

5/5

Interest Rates

4.9/5

Rewards

5/5

Benefits

4.8/5

8. Ink Business Cash® Credit Card

The Ink Business Cash® credit card not only offers the best cash back rewards credit card for dining and food but it is also the best card for small businesses. It offers a 5% cashback for business-related purchases. You can earn $750 in signup bonuses and request individual employee cards and monitor them if necessary. Full Review

  • High signup bonus
  • High rewards rates
  • Can use points to upgrade hotel reservations
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The Ink Business Cash® credit card not only offers the best cash back rewards credit card for dining and food but it is also the best card for small businesses. It offers a 5% cashback for business-related purchases. You can earn $750 in signup bonuses and request individual employee cards and monitor them if necessary. Full Review

Fees

4.5/5

Interest Rates

4.9/5

Rewards

4.5/5

Benefits

5/5

9. Hilton Honors American Express Surpass®

Hilton Honors American Express Surpass is the best credit card for dining and spending at any Hilton property. You can earn 12 points per dollar spent at Hilton hotels or resorts. If you spend more per year, you can get bigger rewards such as free hotel stays and an upgraded membership status. Full Review

  • High signup bonus
  • High rewards rates
  • Can use points to upgrade hotel reservations
Visit Site

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Hilton Honors American Express Surpass is the best credit card for dining and spending at any Hilton property. You can earn 12 points per dollar spent at Hilton hotels or resorts. If you spend more per year, you can get bigger rewards such as free hotel stays and an upgraded membership status. Full Review

Fees

4/5

Interest Rates

4.9/5

Rewards

4.6/5

Benefits

4.7/5

10. Sam’s Club

Sam’s Club has been offering its services since the early 2000s and many merchants and customers are happy with their solutions. This credit card processor is suitable for online retailers and small businesses. One aspect you’ll appreciate about Sam’s Club is that they’re transparent with their pricing. So you won’t get unpredictable payments at the end of each month. Full Review

  • EMV compatible
  • Offers POS systems
  • Ecommerce support
VISIT SITE

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Sam’s Club has been offering its services since the early 2000s and many merchants and customers are happy with their solutions. This credit card processor is suitable for online retailers and small businesses. One aspect you’ll appreciate about Sam’s Club is that they’re transparent with their pricing. So you won’t get unpredictable payments at the end of each month. Full Review

Ease of Use

★★★★★ 5/5

Features

★★★☆☆ 3/5

Integrations

★★★☆☆ 3/5

Cost

★★★☆☆ 3/5

11. Uber Visa Credit Card

The Uber Visa credit card is the best card for fast food delivery and Uber travels if you’re a loyal Uber customer. You get high cashback rewards that come with no annual fee and no foreign transaction fee for international purchases. Full Review

  • No foreign transaction fee
  • Great for Uber customers
  • No annual fee
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The Uber Visa credit card is the best card for fast food delivery and Uber travels if you’re a loyal Uber customer. You get high cashback rewards that come with no annual fee and no foreign transaction fee for international purchases. Full Review

Fees

4.7/5

Interest Rates

5/5

Rewards

5/5

Benefits

5/5

How We Created This List? – Our Methodology

We included only the best dining credit card options in 2020. To do that we considered some of these important factors:

Credit score and other requirements.

Many credit card issuers require good to excellent credit histories and scores. You may need to meet other requirements as well to prove you’re eligible to get a dining credit card.

Application and redemption process.

We also checked how easy or difficult each issuer’s application process is. We paid special attention to how you can redeem your rewards and what the provider’s redemption process looks like.

Rewards and rewards rate.

The cards on this list provide different reward types, such as points and cashback. We checked what rewards you can get with each dollar you spend using the card.

Welcome bonus and offers.

The best credit card options for dining out must have a great welcome bonus when you first sign up. We also checked any additional benefits you can get by using the card continuously.

Intro APR, regular APR, annual fee, etc.

To get the best out of your card, you must know the fees it charges. We checked each card’s fees like intro and regular APRs, annual fees, balance transfer fees, and others.

Detailed Reviews

Capital One® Savor® Rewards
Capital One® Savor® Rewards

Best For Dining And Entertainment

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  • Large cash-back rewards on food and entertainment
  • High APR
  • Generous introductory bonus
  • Annual fee
  • High credit score required
  • Easy redemption options

Capital One® Savor® Rewards is one of the best credit card options for dining out because of its robust cashback rewards and offers made with foodies in mind.

This card offers 4% cash back on dining and entertainment expenses, as well as a 2% rebate on groceries and 1% on other purchases. If you love dining and entertainment, this card is the best for you.

There are more reasons why this card is the best credit card for dining and entertainment: Capital One has a broad definition of “entertainment,” which includes purchases of tickets for movies, concerts, sports events, theme parks, and more. Dining coverage includes purchases from restaurants, coffee shops, bars, etc.

You’ll get a welcome bonus of $300 after spending $3,000 within the first three months after signing up.

You can redeem these rewards via statement credit, cheques, or as a gift card. You can redeem rewards any time; no minimum amount of rewards is required, unlike with some other dining credit cards.

The regular annual percentage fee (APR) is 15.99% – 24.99%. You’ll also pay a $95 annual fee. If you want to qualify for this card, your FICO score must be at least 690 for a higher chance of approval.

Rewards Cashback offers, introductory bonus
Reward Rate 4% on dining and entertainment

2% at grocery stores

1% on other purchases

Signup Bonus $300
Foreign Transaction Fee None
Minimum credit score 690
Intro APR 0%
Regular APR 15.99%-24.99%
Annual Fee $95
Chase Sapphire Reserve®
Chase Sapphire Reserve®

Best For Dining And Travel

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  • High signup bonus
  • 10 bonus points when using Lyft
  • $300 yearly travel credit
  • Trip reimbursement and insurance
  • High APR
  • High annual fee
  • High minimum credit score

Chase Sapphire Reserve is a premium travel card that offers abundant perks and rewards. It’s the best travel and dining credit card if you travel and eat frequently and don’t mind its hefty annual fee.

With Chase Sapphire Reserve, you get 50,000 bonus points as a welcome bonus if you spend $4,000 within three months of account opening. That’s around $750 travel credit when you redeem rewards via Chase Ultimate Rewards.

You get 3 points per dollar spent on travel and dining and 1 point per dollar on other purchases. If you use Lyft, you’ll get 10 points per dollar. You’ll also get $300 toward travel every year, which solidifies its position as the best credit card for dining and travel.

Other benefits include trip cancellation and interruption insurance and trip delay reimbursement — all perfect features for frequent flyers.

On the flip side, the annual fee is high at $550, while the regular APR is between 16.99% and 23.99%. You also need to have a minimum credit score of 750 to qualify for the card.

Rewards Travel, dining
Reward Rate 3 points per dollar spent on travel and dining

1 point per dollar on other purchases

$300 travel credit each year

Signup Bonus 50,000 bonus points
Foreign Transaction Fee None
Minimum credit score 750
Intro APR N/A
Regular APR 16.99%-23.99%
Annual Fee $550
American Express® Gold Card
American Express® Gold Card

Best Credit Card For Dining And Groceries

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  • Dining, groceries, and travel rewards
  • 60,000 points in signup bonus
  • Can use points with airline and hotel partners
  • High APR
  • High annual fee
  • Not applicable in superstores

The American Express® Gold Card is the best credit card for dining and groceries. It’s perfect for foodies and shoppers with good credit scores who love rewards and bonuses.

You get 4 points per dollar spent at restaurants worldwide and US supermarkets, plus $120 every year in dining credits. As travel rewards, you’ll get 3 points per dollar spent on flights booked on amextravel.com, on top of the $100 annual travel airline fee credit.

You can get 60,000 membership rewards points when you spend $4,000 on eligible goods within the first six months of opening an account — a higher bonus than others offer, which puts this card among the top restaurant credit cards around.

You can redeem rewards in different ways, including transferring your points to the card’s hotel, travel, or other program partners.

Meanwhile, its APR is quite high at 15.99%-22.99%, plus there’s a $260 annual fee. You also need to have a FICO score of 690 to qualify for the card.

Additionally, AmEx cards aren’t as widely accepted as Visa or Mastercard. You can’t benefit from the card’s rewards if you shop at retailers like Walmart and Target.

Rewards Dining, groceries
Reward Rate 4 points per dollar at restaurants and supermarkets

$120 per year dining credit

Signup Bonus 60,000 Membership Rewards® points
Foreign Transaction Fee None
Minimum credit score 690
Intro APR N/A
Regular APR 15.99%-22.99%
Annual Fee $260
Citi Premier℠ Card
Citi Premier℠ Card

Best Overall For People With Excellent Credit Scores

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  • Generous signup bonus
  • Points for travel, gas, airlines, restaurants, and groceries
  • No foreign transaction fee
  • $100 annual hotel savings benefit
  • Has annual fee
  • Redemption value high only for travel purchases
  • Needs a high credit score

The Citi Premier Card is another card for frequent travelers and diners. It’s the best credit card for groceries, gas, dining, and traveling for people with credit scores of 720 or higher who want to gain rewards as they travel and eat.

It offers 3 points per dollar spent on travel, rental cars, gas, and airlines, as well as on restaurants, supermarkets, and hotels.

Apart from being among the best dining rewards credit card options around, Citi Premier Card also provides a wide range of other coverages; you gain 1 point per dollar spent on purchases made in zoos, parks, sports events, and museums. So if you travel, eat, and visit these places a lot, this card is perfect for you.

If you spend $4,000 within your first three months as a new cardholder, you’ll get 60,000 bonus points as a welcome reward. You can then redeem $732 through their ThankYou Travel Center for airfare, so it’s not only the best credit card for gas and dining but also for traveling.

On the other hand, you must pay a $95 annual fee, while the regular APR is 15.99%-23.99%. You’ll also pay a 3% fee for balance transfers since the card doesn’t have an introductory APR offer.

Rewards Dining, travel, gas stations
Reward Rate 3 points per dollar on restaurants, supermarkets, and gas stations
Signup Bonus 60,000 ThankYou points
Foreign Transaction Fee None
Minimum credit score 720
Intro APR N/A
Regular APR 15.99%-23.99%
Annual Fee $95
Chase Sapphire Preferred®
Chase Sapphire Preferred®

Best Chase Credit Card For Dining And Travel

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  • Large welcome bonus
  • Points for travel, dining, and deliveries
  • Transferable points
  • Has an annual fee
  • No introductory 0% APR
  • No above-average car rentals

Chase Sapphire Preferred is the best Chase credit card for dining and travel if you have a good credit score and want to avoid the hefty annual fee that Chase Sapphire Reserve charges.

This card gives 2 points per dollar spent on travel and dining, as well as eligible delivery services. You’ll also get 1 point per dollar spent on all other purchases.

You can get 60,000 bonus points if you spend $4,000 in the first three months of your account. That’s equivalent to a $750 travel credit when you redeem via Chase Ultimate Rewards.

Apart from being a great credit card for food and travel rewards, Chase Sapphire Preferred also lets you transfer reward points. You can use those points to qualify for loyalty program offerings in partner hotels or restaurants.

There is no introductory 0% APR offer or premium travel perks such as above-average car rentals. However, given the generous bonus reward and reasonable annual fee, this card still ranks among the best credit cards for dining and travel rewards.

Meanwhile, the annual fee is $95 and the regular APR is 15.99%-22.99%. To qualify for this card, you need a credit score of at least 690.

Rewards Dining, Travel
Reward Rate 2 points per dollar on travel and dining

1 point per dollar on other purchases

Signup Bonus 60,000 bonus points
Foreign Transaction Fee 0%
Minimum credit score 690
Intro APR N/A
Regular APR 15.99% – 22.99%
Annual Fee $95
  • Super generous signup bonus
  • Relatively lower annual fee
  • Account anniversary reward
  • Only useful in IHG hotels
  • Limited redemption with partner airlines

The IHG® Rewards Club Premier credit card is the best points credit card for hotel and dining. This card is perfect if you frequently stay in IHG hotels and you like the automatic Platinum Elite membership status it gives.

It’s one of the best rewards credit card options for dining out and staying in hotels. This card gives a total of 25 points per dollar spent at an IHG property and 2 points per dollar spent on restaurants and gas stations.

You get 140,000 bonus points by spending $3,000 within the first three months of your membership, so it’s one of the most generous and best dining credit card options around.

You get a free night at an IHG property after your account anniversary as part of their loyalty program. Then, when you redeem points for a stay of four nights (or more), the fourth night is free.

Meanwhile, this card’s APR is 15.99%-22.99%. The annual fee is $0 for the first year, and then it becomes $89. You need a good credit history and a credit score of at least 690 to qualify for the card.

Rewards Hotel, dining
Reward Rate 25 points per dollar spent at an IHG property

2 points per dollar at gas stations, grocery stores, and restaurants

Signup Bonus 140,000 bonus points
Foreign Transaction Fee 0%
Minimum credit score 690
Intro APR N/A
Regular APR 15.99%-22.99%
Annual Fee $89 ($0 for the first year)
  • No annual fee
  • High cash-back rewards on gas purchases
  • Can be used anywhere
  • Restaurant and travel rewards
  • Requires Costco membership
  • Limited redemption
  • No signup bonus

The Costco Anywhere Visa® Card by Citi is the best credit card for gas and dining. It’s aperfect card if you often shop at Costco, purchase gas, and hate annual fees.

Using this card, you get a4% cashback on gas purchases at Costco and other stations for the first $7,000 per year. This number is higher than what other credit cards offer. After reaching the $7,000-level, the rate changes to 1%.

And as thebest dining rewards credit cardwithno annual fee, you also get a3% cashback on restaurants. Shopping at Costco and online on costco.com gives you 2% cashback.

You can alsouse the card to shop anywhere, not just in Costco stores, and still earn rewards. This puts it in the same league as premium cards and othertop credit cards with rewards on dining. You’ll also receive an annual credit card reward certificate, which is also redeemable for cash or merchandise.

TheAPR is 15.24%. Although there’sno annual fee to get the card, you’re required to be a Costco member, which requires a yearly membership fee. Also, there’s nowelcome bonus, and redemption is limited to cash or Costco merchandise.

Rewards Store, restaurant, cashback
Reward Rate 4% cashback on gas purchases

3% cashback on restaurants and travel

2% cashback at Costco and costco.com

Signup Bonus None
Foreign Transaction Fee 0%
Minimum credit score 720
Intro APR N/A
Regular APR 15.24%
Annual Fee $0
  • High cash back rewards and signup bonus
  • Employee cards
  • 0% introductory APR
  • No annual fee
  • Has foreign transaction fee
  • Requires good credit
  • Spending limits

The Ink Business Cash credit card is the best restaurant credit card for a business, thanks to its rewards and offers. It offers a great cashback rate for office purchases, as well as cashback offers in gas and dining.

You get a 5% cashback when you buy common business-related supplies, with a reward cap of $25,000. And since this card belongs to the category of restaurant rewards cards, you’ll also get a 2% cashback reward for restaurant and gas station purchases.

You can earn a signup bonus of $750 after spending $7,500 in the first three months of opening the account. That’s more than twice the bonus you get from other business credit cards.

For cash advances, you’ll pay a fee that’s $15 or 5%, whichever is higher. You can also get employee cards at no additional cost. The cardholder can also set spending limits on employee cards. You can monitor spending by subscribing to account alerts.

There’s a 3% foreign transaction fee. In the first year, you won’t be charged an APR. Regular APR is 13.24%-19.24%, which is also lower than many other offer interest charges. There’s no annual fee. To qualify for the card, you need to have a credit score of at least 690.

Rewards Small business, cashback
Reward Rate 5% cashback in office supply stores

2% cashback in gas stations and restaurants

Signup Bonus $750 bonus cashback
Foreign Transaction Fee 3%
Minimum credit score 690
Intro APR 0% for 12 months
Regular APR 13.24%-19.24%
Annual Fee None
Hilton Honors American Express Surpass®
Hilton Honors American Express Surpass®

Best For Hilton Hotel And Restaurant Customers

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  • High rewards rates
  • High signup bonus
  • Points don’t expire
  • Can use points to upgrade hotel reservations
  • Limited uses outside hotel redemptions
  • No introductory APR
  • Has an annual fee

Hilton Honors American Express Surpass is a team-up between Hilton and AmEx, and it’s the best credit card for shopping and dining for those who enjoy staying at Hilton hotels.

You earn 12 points per dollar spent for purchases with a hotel or resort within the Hilton portfolio.

You get 6 points per dollar spent at restaurants, supermarkets, and gas stations — a high rate that ranks it among the best credit card options for restaurants. You also get 3 points per dollar on other eligible purchases.

If you spend $2,000 in eligible purchases within the first three months of your account, you earn 130,000 bonus points. Spend a total of $15,000 in a year and earn a free weekend reward from Hilton Honors; spend $40,000 in a year, and you can get the Hilton Honors Diamond status.

To qualify for this card, your credit score must be 690 or higher, so this might not be a suitable card for those with bad credit. The regular APR is 15.74%-24.74% while the annual fee is $95. There’s no foreign transaction fee.

Rewards Hotel, dining, points
Reward Rate 12 points per dollar spent at Hilton hotel or resort

6 points per dollar spent at restaurants, supermarkets, and gas stations

3 points per dollar on other purchases

Signup Bonus 130,000 bonus points
Foreign Transaction Fee 0%
Minimum credit score 690
Intro APR N/A
Regular APR 15.74%-24.74%
Annual Fee $95
Sam’s Club Credit Card
Sam’s Club Credit Card

Best For Sam’s Club Members

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  • Cashback rewards
  • No annual fee
  • No foreign transaction fee
  • Cash advances
  • Small signup bonus
  • Must be a Sam’s Club member
  • Limited redemption options

The Sam’s Club credit card is the best credit card for restaurants and gas spending when you’re a frequent shopper at Sam’s Club.

You get a 5% cashback in gas stations worldwide, including at Sam’s Club. That’s up to $6,000 spent a year. Beyond the $6,000 mark, the rate falls to 1%.

It’s also one of the best credit card options for fastfood, dining, and restaurants since it gives 3% cashback on dining and travel purchases, as well as 1% cashback on all other purchases. Earn a $45 statement credit when you spend $45 online on the same day that you open the account.

You can also get cash advances of $20 to $100 at Walmart and Sam’s Club stores.

You need to be a Sam’s Club member to get the card. And you can get more benefits such as free shipping and 2% cashback on eligible items when you upgrade to a higher membership tier. The upgrade costs $100 per year with no additional interest charges.

There’s no annual fee, but you’ll pay $45 a year to be a Sam’s Club member. The regular APR is 14.9%-22.9% and there’s no introductory APR. You can redeem rewards once a year at Sam’s Club.

Rewards Store, cashback
Reward Rate 5% cashback at gas stations

3% cashback on dining and travel

Signup Bonus $45 statement credit
Foreign Transaction Fee None
Minimum credit score 690
Intro APR N/A
Regular APR 14.9%-22.9%
Annual Fee 0%
Uber Visa Credit Card
Uber Visa Credit Card

Best Card For Food Delivery And Uber Customers

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  • No annual fee
  • No foreign transaction fee
  • Great for Uber customers
  • Temporarily doesn’t accept new applicants
  • Low signup bonus
  • Limited redemption options

The Uber Visa credit card, as the name suggests, is the best card for loyal Uber customers. It’s also the best credit card for food delivery, thanks to Uber Eats.

You can get a 5% cashback in Uber Cash on Uber and Uber Eats expenses. You can gain the same reward for scooter rides through Jump, an Uber-owned scooter company. Earn a 3% cashback in Uber Cash for expenses in dining, hotels, and airfare.

You can transfer your Uber Cash rewards to your Uber account once you earn $50. You can then use the reward for Uber purchases, for example with Uber Eats. This makes it a competitive contender for being the best card for fast food and delivery.

You can get $100 in Uber Cash if you spend $500 in the first three months of account opening.

Meanwhile, the APR is 15.74%-26.49% with no annual fee. There’s also no foreign transaction fee. On the other hand, there’s a fee for balance transfers: $10 or 3% of the transaction amount, whichever is higher. Also, you can’t transfer rewards to partner airlines or hotel loyalty programs. Unfortunately, this credit card is temporarily closed to new applicants.

Rewards Travel, delivery, cashback
Reward Rate 5% cashback in Uber Cash on Uber, Uber Eats, and scooter rides through Jump

3% cashback Uber Cash on dining, hotels, and airfare

Signup Bonus $100 Uber Cash
Foreign Transaction Fee None
Minimum credit score 690
Intro APR N/A
Regular APR 15.74%-26.49%
Annual Fee $0

How to Choose the Best Dining Credit Card? 

Consider many factors when choosing the best credit card with high rewards for dining out. Find a card that gives you the best offers in terms of the following:

Rewards type.

These can be in the form of points, cashback, free accommodations, and other perks.

Credit requirements.

Some cards have high credit score requirements. If you have a bad or fair credit score, look for the best credit cards for fair credit instead.

Welcome bonus.

These are one-time offers created by the card issuer to welcome new cardholders.

Bonus requirements.

To get the welcome bonus, you need to meet certain requirements, such as spending a certain amount using the card in the first months of your account.

Minimum/maximum spending requirement.

Some cards require you to spend a minimum or maximum amount of money to qualify for rewards and bonuses.

Ongoing card value.

This refers to how much you use the card and how you can take advantage of its rewards. For instance, if you’re a frequent traveler, you must choose a card that has ongoing travel rewards for its customers.

Rates & fees/hidden convenience fees.

Fees critically affect your overall experience of the card and its value; these fees include the APR, foreign transaction fees, balance transfer fees, and others.

What Is a Dining Credit Card and How Does It Work?

A dining credit card lets you earn rewards for every dollar you spend on dining, as well as on gas, hotel, or entertainment purchases. These cards are meant for busy and active people and are also often the best credit cards for young adults who eat out, travel, and shop frequently.

You can redeem rewards in cash, discounts, cheques, or credits.

The most common types of rewards you can get are:

  • Points
  • Cashback

Points are often measured per dollar spent. A certain card may offer a 1 reward point for every dollar you spend on dining.

Meanwhile, cashback rewards often come in percentages, such as a 4% cashback on dining or gas purchases.

Other rewards may include free hotel nights, one-time bonuses, charge-off, and others.

Get The Most Out Of Your Restaurant Credit Card – Tips

There are ways to maximize the rewards you can get. To get the most out of your credit card when dining, it’s wise to use the following tips.

  1. Know how the card works – learn as much information as you can about the card and its rewards. Check its common use, fees, bonuses, upgrade opportunities, etc.
  2. Check partner programs – issuers often have partner hotels, restaurants, and airlines. Check out which of them you often use and take advantage of their loyalty programs by transferring card points.
  3. Pay in full and on time – credit cards in general charge late payment fees. Making full and on-time payments is the best way to avoid that, as well as earn other rewards the card might be offering.
  4. Improve your financial knowledge – plan how you will accumulate the points or rewards you get and when you will use them. As you use the card and earn rewards, you must learn to improve your financial management skills.
  5. Check for reviews – check online for comprehensive reviews, like this review of the best meal delivery services. You might find out some surprise benefits they carry, such as offering free hotel stays or free shipping when used together with your card.

Best Dining Credit Card At A Glance 

Key Takeouts

Choosing the best card for dining and other purposes may be tricky at first. The best dining credit card for you may not work well for another person. Each of these cards offers great rewards and bonuses that are different from each other. Whichever you choose, make sure that it fits your dining, travel, and shopping habits to get the most out of the rewards.

FAQ

What is considered credit card dining? Do grocery stores count as dining?

The dining category for most credit cards includes businesses with food as their primary products. These are eat-in dining, such as fast food restaurants and take-out dinner services. This category also includes merchants within larger businesses like sports stadiums, hotels, and casinos. Groceries do not count as dining.

What's the best credit card for young adults who love dining out?

The Capital One Savor Rewards card is the best card for young adults who love dining out. You earn unlimited 4% cashback on dining and restaurant expenses. You can also earn 2% cashback at grocery stores. The card also covers entertainment, which is perfect for young adults who love going to theaters, zoos, concerts, etc.

Do fast food restaurants accept credit cards? Is fast food considered dining?

Fast food restaurants accept credit cards. Examples include Pizza Hut, McDonald’s, Burger King, Subway, and Taco Bell. And yes, fast food is considered dining by many credit card providers. The best dining credit card options often have rewards for restaurant and fast food customers, along with other dining perks and bonus rewards.