Food lovers and frequent diners can maximize their spending with the right credit card. The best dining credit cards offer high rewards, exclusive perks, and cashback options for restaurants, delivery services, and even grocery purchases. Here are the top dining credit cards in 2025.
1. American Express® Gold Card
- Why It’s Great:
- 4x points on dining at restaurants, including takeout and delivery.
- 4x points on U.S. supermarkets (up to $25,000 per year, then 1x).
- $120 annual dining credit at select restaurants and delivery services.
- Best For: Foodies and frequent diners who want premium dining rewards.
2. Capital One SavorOne Cash Rewards Credit Card
- Why It’s Great:
- 3% cash back on dining, entertainment, and streaming services.
- No annual fee.
- 10% cash back on Uber and Uber Eats purchases through 2025.
- Best For: Casual diners looking for strong cash-back rewards without an annual fee.
3. Chase Sapphire Preferred® Card
- Why It’s Great:
- 3x points on dining, including eligible delivery services.
- 5x points on travel booked through Chase Ultimate Rewards.
- Flexible point transfers to travel partners for added value.
- Best For: Travelers who also want excellent dining rewards.
4. Citi Custom Cash℠ Card
- Why It’s Great:
- 5% cash back on your top spending category each billing cycle (up to $500 per month), which can include dining.
- No annual fee.
- 1% unlimited cash back on all other purchases.
- Best For: People whose dining expenses fluctuate and want adaptable rewards.
5. U.S. Bank Altitude® Go Visa Signature® Card
- Why It’s Great:
- 4x points on dining, takeout, and delivery.
- No annual fee.
- $15 annual streaming credit for services like Netflix and Spotify.
- Best For: Those looking for a strong dining rewards card without an annual fee.
How to Choose the Best Dining Credit Card
- Consider Your Dining Habits: If you eat out frequently, choose a card with high dining rewards.
- Look for Additional Perks: Some cards offer dining credits, exclusive reservations, or cashback on takeout.
- Evaluate Annual Fees: Make sure the rewards you earn offset any annual fees.
- Check for Bonus Categories: Some cards offer additional points on groceries, entertainment, or travel.
Final Thoughts
The best dining credit card depends on your spending habits. Whether you prefer points for travel, cashback for everyday purchases, or perks like dining credits, there’s a card that fits your lifestyle.
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