Best Credit Cards for Restaurants

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Whether you’re going out on a date, or spending a night out with friends, restaurants are some of our most frequent (and expensive) destinations. To that end, it might make more sense to have a dedicated card to use when you go out for dinner, or grab your favorite takeout – one that gives you a little something extra, whether it’s rewards points or cash back.

There’s no shortage of credit card options out there for those looking to squeeze a bit more value out of their next restaurant outing, or trip to the nearest fast food joint. In fact, some of them are good, all-purpose cards in their own right, meaning you don’t have to stress about having to use them for something other than paying for dinner.

With that in mind, we took a look at the best credit cards for restaurants out there, and put them next to each other to see which ones stood out from the pack.

Capital One Savor Dining Rewards Card

On Capital One's home portal

750 - 850
Best for excellent credit

Highlight: Other great cash back benefits in addition to dining
  • Unlimited 3% cash back on dining

  • Unlimited 2% cash back on groceries

  • Unlimited 1% cash back on all other purchases

  • $150 signup cash bonus

  • $0 annual fee

  • $0 introductory APR for 9 months

  • 3% balance transfer fee in first 9 months

  • No foreign transaction fees

Intro APR

0%

Dining Reward

3% cash back

Annual Fee

$0

Signup Bonus

$150

Why It's Good

If food tends to be one of your biggest expenses, you could do far worse than investing in the Capital One Savor Dining Rewards credit card. In fact, it might just be the best credit card for restaurants on this list.

You probably won’t find a rewards card more singularly focused on food-related purchases out there, which is great if you want to find a dedicated card for that purpose. For instance, it gives you more robust rewards not just for restaurants (its highest tier at 3% cash back), but groceries (2% cash back).

With no annual fee, and 0% APR for nine months, the Savor Dining Rewards card is a fantastic card with a low barrier to entry. The $150 cash back signup bonus doesn’t hurt, either – all you have to do is spend $500 in the first three months of membership.

When it comes to specialized cards that focus on one category and do it well, the Savor Dining Rewards card rules the roost on restaurant purchases. In fact, it might be the very best option for those who want the most rewards for both restaurants and groceries.

Discover it Chrome Gas & Restaurant Card

On Discover's home portal

700- 850
Best for good
to great credit

Highlight: 2% cash back on purchases at restaurants and gas stations
  • 2% cash back on purchases at restaurants

  • 2% cash back on purchases at gas stations

  • 0% APR on purchases and balance transfers for 14 months

  • Cash back match signup bonus after
    12 months

  • $0 annual fee

  • No foreign transaction fees

Dining Reward

2% cash back

Variable APR

13.49% - 24.49%

Annual Fee

$0

Cash Back (other)

1%

Why It's Good

For cardholders who want a bit more than just rewards on restaurants, the Discover it Chrome Gas & Restaurant Card could be a really good option. 

It's one of those cards that doesn't have a standout selling point. It's not outstanding in any area, but is slightly above average across the board. For foodies and frequent restaurant-goers, this card will give you 2% cash back up to $1,000 each quarter. The same goes for gas.

You'll find other cards with higher rewards for dining. However, an introductory APR of 0% for 14 months on purchases and balance transfers might make this card attractive attractive to people who want to use it for more than just dining out.

The Discover it Chrome Gas & Restaurant Card also has an attractive introductory offer. Discover will match all the cash back you've earned at the end of your first year. So, while the card is branded as a gas and restaurant rewards card, there's actually a bit more too it than that. It's worth looking into if you want a rounded credit card that also gives you rewards for dining out.


Chase AARP Credit Card

On Chase's home portal

700-750
Best for good credit

Highlight: Nice signup bonus and 1% cash back on all purchases
  • 3% cash back on restaurant and gas purchases

  • 1% cash back on all other purchases

  • $200 cash back signup bonus

  • Donations to AARP Drive to End Hunger

  • $0 annual fee

Intro APR

None

Variable APR

17.49% - 24.24%

Annual Fee

$0

Dining Reward

3%

Why It's Good

If you’re a member of AARP, you already get quite a few benefits and exclusive offers, including this robust rewards card from Chase. Catering toward retirees who spend a lot on dining and travel, the Chase AARP Card offers 3% cash back on restaurants and gas purchases, with 1% on everything else.

There’s no annual fee, and a signup bonus of $200 if you spend $500 within the first three months of opening the account. These are pretty standard features for a credit card, but the signup bonus is actually pretty high for a cash back rewards card (which tends toward the $150 range).

One of the most fascinating perks of this card is that it doesn’t just keep you fed – it helps feed the less fortunate as well. For every purchase you make at restaurants with the card, Chase donates 10 cents to the AARP Foundation’s Drive to End Hunger. You don’t even necessarily have to be an AARP member to qualify for this card, making it a great option for foodies. 


The Marvel Mastercard

On Marvel's home portal

700- 850
Best for good
to great credit

Highlight: 3% cash back on dining
  • 3% cash back at restaurants

  • 1% cash back on all other purchases

  • No annual fee

  • $25 statement credit after your first purchase

  • Discounts on Marvel merchandise, tickets, comics and experiences

Intro APR

None

Variable APR

16.24% - 26.24%

Annual Fee

$0

Dining Reward

3% cash back

Why It's Good

When you think of credit cards, Marvel isn't exactly the first name that comes to mind. But, it turns out this card might not only be for nerds who want The Hulk on the front of their card.

If the main reason you're getting a credit card is to get rewards on dining out, the Marvel Credit Card is well worth looking into. It's a straight forward cash back offer. You get 3% of everything you spend at restaurants backs as statement credits. The same applies for 'selected entertainment' (such as movie theaters and amusement parks.)

All other purchases are rewarded with 1% cash back.

Beyond the initial $25 statement credit for opening your account, there's not a whole lot to this card other than the dining credits. So, it only really makes sense to go for this card for the cash back on dining out. Otherwise, you can get cards with lower APR or larger rewards across the board. Plus, you get a cool picture on the front.

Chase Ink Business Cash Card

On Chase's home portal

700-750
Best for good credit

Highlight: Solid variable ARP, gas rewards in addition to dining
  • 0% introductory APR

  • No annual fee

  • $300 welcome bonus (with conditions)

  • 5% cash back on office supplies and phone/Internet/cable services

  • 2% cash back on gas and restaurants

  • 1% cash back on all other purchases

  • Employee cards at no additional cost

  • Zero liability protection

Intro APR

0%

Variable APR

14.49% - 20.49%

Annual Fee

$0

Dining Reward

2% cash back

Why It's Good

If you’re a small business owner who tends to take clients out for dinners, or eat out a lot while you’re on the road, the Chas Ink Business Cash Credit Card might be the best credit card for restaurant purchases you could get.

Like most cards of this time, it’s a cash back rewards card that offers a couple of bonus tiers – 5% cash back on purchases made at office supply stores and for utilities like phone, Internet and cable. However, its 2% cash back tier allows you to earn extra cash on gas station purchases and – you guessed it – restaurants.

This is ideal for businesses looking for the expense card that will give back whether employees are having a business lunch or grabbing some toner, making it extremely flexible for more face-forward companies.

The barrier to entry is also fairly low – there’s no annual fee, and a short 0% introductory APR period. You even get a $300 signup bonus if you spend $3,000 on purchases within three months of getting the card.

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