Best Credit Card For Restaurants

You want to maximize the return on your Restaurants credit card spends. Since not all points are of equal value, we give the best multipliers based on the value of those points.
There are some great cards that will even reward you for eating out at you. That includes purchases at fine restaurants, cafes, bars, lounges, fast-food chains and bakeries. Yes, you'll get points for all of the above. But always keep in mind -- it isn't just the multiplier, it is the ultimate value and flexibility of the points you earn. As an example, 3 points earned with a Chase Sapphire Card is worth more than 7 points earned with a Hilton card. The (+) versions of these cards feature the best sign-up bonuses and point multipliers. The (-) versions have limitations that you need to be aware of.
Amex Business Gold Amex Business Gold
4X | 5.6 Per Dollar Spent
Each month, Amex auto-selects the top 2 spend categories for 4x points. (Incl: Digital Ads, Software & Hardware, Restaurants, Gas, Transit, Wireless Telephone)
Amex Member Rewards »
Point System
American Express »
Bank
$1,237
1st Year Value
100,000
Bonus Points
$15,000
Minimum Spend
1.4¢
Max Point Value
1.4¢
Max Point Value
Chase Sapphire Reserve Chase Sapphire Reserve
3X | 5.1 Per Dollar Spent
Including cafes, bars, and fast food restaurants.
Chase Ultimate Rewards »
Point System
JP Morgan Chase »
Bank
$1,009
1st Year Value
60,000
Bonus Points
$4,000
Minimum Spend
1.7¢
Max Point Value
1.7¢
Max Point Value
Chase Sapphire Preferred Chase Sapphire Preferred
3X | 4.8 Per Dollar Spent
Earn 3x points on dining, including eligible delivery services, takeout, and dining out.
Chase Ultimate Rewards »
Point System
JP Morgan Chase »
Bank
$1,677
1st Year Value
100,000
Bonus Points
$5,000
Minimum Spend
1.6¢
Max Point Value
1.6¢
Max Point Value

Our Top Selections for Restaurants (+)

Multiplier Point Value Per $ Spent
Amex Business Gold Amex Business Gold

Each month, Amex auto-selects the top 2 spend categories for 4x points. (Incl: Digital Ads, Software & Hardware, Restaurants, Gas, Transit, Wireless Telephone)

4x 1.4¢ 5.6¢
Chase Sapphire Reserve Chase Sapphire Reserve

Including cafes, bars, and fast food restaurants.

3x 1.7¢ 5.1¢
Chase Sapphire Preferred Chase Sapphire Preferred

Earn 3x points on dining, including eligible delivery services, takeout, and dining out.

3x 1.6¢ 4.8¢
Marriott Bonvoy Bountiful Marriott Bonvoy Bountiful

Up to $15000 in combined purchases within your first 6 months from account opening

4x 0.7¢ 2.8¢

Other Cards with Solid Value for Restaurants (=)

Multiplier Point Value Per $ Spent
Citi Custom Cash Citi Custom Cash

Auto-selects the top spend categories for 5x points. Includes :Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment

5x 1.2¢ 6.0¢
Amex Gold Amex Gold

Earn 4x Membership Rewards points when you dine at restaurants worldwide.

4x 1.4¢ 5.6¢
Chase Freedom Flex Chase Freedom Flex

3x on dining including takeout

3x 1.6¢ 4.8¢
Chase Freedom Unlimited Chase Freedom Unlimited

Including takeout and eligible delivery

3x 1.6¢ 4.8¢
US Bank Altitude Go US Bank Altitude Go

Take out and delivery

4x 1.1¢ 4.4¢
Hilton Honors Aspire Hilton Honors Aspire

U.S. restaurants only.including takeout and delivery.

7x 0.6¢ 4.2¢
Amex Green Amex Green

from lunch orders to late–night takeout.

3x 1.4¢ 4.2¢
Chase Aeroplan Chase Aeroplan

including takeout and delivery.

3x 1.4¢ 4.2¢
Wells Fargo Autograph Wells Fargo Autograph 3x 1.4¢ 4.2¢
Wyndham Rewards Earner Plus Wyndham Rewards Earner Plus 4x 1.0¢ 4.0¢
Citi Strata Premier Citi Strata Premier

Including cafes, bars, and fast food restaurants.

3x 1.2¢ 3.6¢
Hilton Honors Surpass Hilton Honors Surpass

U.S. restaurants only.

6x 0.6¢ 3.6¢
US Bank Triple Cash Rewards Business US Bank Triple Cash Rewards Business 3x 1.1¢ 3.3¢
Chase Ink Business Cash Chase Ink Business Cash

Earn 2x for the first $25,000 spent on gas stations and restaurants combined every year

2x 1.6¢ 3.2¢
World of Hyatt World of Hyatt

Earn 2 points per $1 spent at restaurants, cafes and coffee shops.

2x 1.6¢ 3.2¢
Bank of America Customized Cash Rewards Bank of America Customized Cash Rewards

3% cash back in the category of your choice

3x 1.0¢ 3.0¢
Capital One Savor Capital One Savor

Including cafes, bars, and fast food restaurants.

3x 1.0¢ 3.0¢
Citi Costco Citi Costco

Including cafes, bars, and fast food restaurants.

3x 1.0¢ 3.0¢
Hilton Honors Hilton Honors

U.S. restaurants only.

5x 0.6¢ 3.0¢
IHG One Rewards Premier IHG One Rewards Premier

Including cafes, bars, and fast food restaurants.

5x 0.6¢ 3.0¢
IHG One Rewards Premier Business IHG One Rewards Premier Business

Including cafes, bars, and fast food restaurants.

5x 0.6¢ 3.0¢
Citi American Airlines AAdvantage Platinum Citi American Airlines AAdvantage Platinum

Including cafes, bars, and fast food restaurants.

2x 1.4¢ 2.8¢
Marriott Bonvoy Bevy Marriott Bonvoy Bevy

Restaurants worldwide.

4x 0.7¢ 2.8¢
Marriott Bonvoy Business Marriott Bonvoy Business

Restaurants worldwide.

4x 0.7¢ 2.8¢
Wells Fargo Active Cash Wells Fargo Active Cash

2% cash back on all purchases

2x 1.4¢ 2.8¢
Wells Fargo Autograph Journey Wells Fargo Autograph Journey 2x 1.4¢ 2.8¢
United Business United Business

Including cafes, bars, and fast food restaurants.

2x 1.3¢ 2.6¢
United Club United Club

Including cafes, bars, and fast food restaurants.

2x 1.3¢ 2.6¢
United Explorer United Explorer

Including cafes, bars, and fast food restaurants.

2x 1.3¢ 2.6¢
United Quest United Quest

Including cafes, bars, and fast food restaurants.

2x 1.3¢ 2.6¢
Delta SkyMiles Blue Delta SkyMiles Blue

Including cafes, bars, and fast food restaurants.

2x 1.2¢ 2.4¢
Delta SkyMiles Gold Delta SkyMiles Gold

Including cafes, bars, and fast food restaurants.

2x 1.2¢ 2.4¢
Delta SkyMiles Platinum Delta SkyMiles Platinum

Including cafes, bars, and fast food restaurants.

2x 1.2¢ 2.4¢
JetBlue JetBlue

Including cafes, bars, and fast food restaurants.

2x 1.2¢ 2.4¢
JetBlue Business JetBlue Business 2x 1.2¢ 2.4¢
JetBlue Plus JetBlue Plus

Including cafes, bars, and fast food restaurants.

2x 1.2¢ 2.4¢
JetBlue Premier JetBlue Premier 2x 1.2¢ 2.4¢
US Bank Altitude Connect US Bank Altitude Connect

Including cafes, bars, and fast food restaurants

2x 1.1¢ 2.2¢
US Bank Business Altitude Connect US Bank Business Altitude Connect

Includes Takeaway

2x 1.1¢ 2.2¢
Marriott Bonvoy Boundless Marriott Bonvoy Boundless

Up to $6000 in combined purchases within your first 6 months from account opening

3x 0.7¢ 2.1¢
Marriott Bonvoy Brilliant Marriott Bonvoy Brilliant

Restaurants Worldwide. including takeout and delivery.

3x 0.7¢ 2.1¢
Bank of America Premium Rewards Bank of America Premium Rewards

Including cafes, bars, and fast food restaurants.

2x 1.0¢ 2.0¢
Bank of America Premium Rewards Elite Bank of America Premium Rewards Elite

Including cafes, bars, and fast food restaurants.

2x 1.0¢ 2.0¢
Wyndham Rewards Earner Wyndham Rewards Earner 2x 1.0¢ 2.0¢
Amazon Business Prime Amazon Business Prime 2x 0.7¢ 1.4¢
Amazon Prime Amazon Prime

Including cafes, bars, and fast food restaurants.

2x 0.7¢ 1.4¢
Chase Disney Premier Chase Disney Premier

Including cafes, bars, and fast food restaurants.

2x 0.7¢ 1.4¢
IHG One Rewards Traveler IHG One Rewards Traveler

Including cafes, bars, and fast food restaurants.

2x 0.6¢ 1.2¢
Discover It Chrome Discover It Chrome

Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible.

2x 0.0¢ 0.0¢

Cards Offering Some Value for Restaurants with Limitations (-)

Multiplier Point Value Per $ Spent
World of Hyatt Business World of Hyatt Business

Each quarter, Chase auto-selects the top 3 spend categories for 2x points. (8 categories Incl: Digital Ads, Restaurants, Gas, Shipping, Transit, Car Rental, Airlines & Internet/Phone)

2x 1.6¢ 3.2¢
US Bank Cash Plus US Bank Cash Plus

Must choose either Gas Stations, Grocery Stores or Restaurants.

2x 1.0¢ 2.0¢
Hawaiian Airlines Hawaiian Airlines 2x 0.7¢ 1.4¢
Hawaiian Airlines Business Hawaiian Airlines Business 2x 0.7¢ 1.4¢