Best Credit Card for Restaurants
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.
4X | 5.6Per 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
|
3X | 5.1Per Dollar Spent
Including cafes, bars, and fast food restaurants.
|
Chase Ultimate Rewards »
Point System
|
|
JP Morgan Chase »
Bank
|
|
$1,004 1st Year Value
|
|
60,000 Bonus Points
|
|
$4,000 Minimum Spend
|
|
1.7¢ Max Point Value
|
3X | 4.8Per Dollar Spent
Earn 3x points on dining, including eligible delivery services, takeout, and dining out.
|
Chase Ultimate Rewards »
Point System
|
|
JP Morgan Chase »
Bank
|
|
$1,016 1st Year Value
|
|
60,000 Bonus Points
|
|
$4,000 Minimum Spend
|
|
1.6¢ Max Point Value
|
Our Top Selections for Restaurants (+)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
 |
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 Including cafes, bars, and fast food restaurants. |
3x | 1.7¢ | 5.1¢ |
 |
Chase Sapphire Preferred Earn 3x points on dining, including eligible delivery services, takeout, and dining out. |
3x | 1.6¢ | 4.8¢ |
 |
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 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 Earn 4x Membership Rewards points when you dine at restaurants worldwide. |
4x | 1.4¢ | 5.6¢ |
 |
Discover It Cash Back Quarterly category, ends March 31 |
5x | 1.0¢ | 5.0¢ |
 |
Chase Freedom Flex 3x on dining including takeout |
3x | 1.6¢ | 4.8¢ |
 |
Chase Freedom Unlimited Including takeout and eligible delivery |
3x | 1.6¢ | 4.8¢ |
 |
US Bank Altitude Go Take out and delivery |
4x | 1.1¢ | 4.4¢ |
 |
Hilton Honors Aspire U.S. restaurants only.including takeout and delivery. |
7x | 0.6¢ | 4.2¢ |
 |
Amex Green from lunch orders to late–night takeout. |
3x | 1.4¢ | 4.2¢ |
 |
Chase Aeroplan including takeout and delivery. |
3x | 1.4¢ | 4.2¢ |
 |
Wyndham Rewards Earner Plus | 4x | 1.0¢ | 4.0¢ |
 |
Citi Strata Premier Including cafes, bars, and fast food restaurants. |
3x | 1.2¢ | 3.6¢ |
 |
Hilton Honors Surpass U.S. restaurants only. |
6x | 0.6¢ | 3.6¢ |
 |
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 Earn 2 points per $1 spent at restaurants, cafes and coffee shops. |
2x | 1.6¢ | 3.2¢ |
 |
Capital One Savor Including cafes, bars, and fast food restaurants. |
3x | 1.0¢ | 3.0¢ |
 |
Citi Costco Including cafes, bars, and fast food restaurants. |
3x | 1.0¢ | 3.0¢ |
 |
Hilton Honors U.S. restaurants only. |
5x | 0.6¢ | 3.0¢ |
 |
IHG One Rewards Premier Including cafes, bars, and fast food restaurants. |
5x | 0.6¢ | 3.0¢ |
 |
IHG One Rewards Premier Business Including cafes, bars, and fast food restaurants. |
5x | 0.6¢ | 3.0¢ |
 |
Citi American Airlines AAdvantage Platinum Including cafes, bars, and fast food restaurants. |
2x | 1.4¢ | 2.8¢ |
 |
Marriott Bonvoy Bevy Restaurants worldwide. |
4x | 0.7¢ | 2.8¢ |
 |
Marriott Bonvoy Business Restaurants worldwide. |
4x | 0.7¢ | 2.8¢ |
 |
Wells Fargo Active Cash 2% cash back on all purchases |
2x | 1.4¢ | 2.8¢ |
 |
Wells Fargo Autograph Journey | 2x | 1.4¢ | 2.8¢ |
 |
United Business Including cafes, bars, and fast food restaurants. |
2x | 1.3¢ | 2.6¢ |
 |
United Club Infinite Including cafes, bars, and fast food restaurants. |
2x | 1.3¢ | 2.6¢ |
 |
United Explorer Including cafes, bars, and fast food restaurants. |
2x | 1.3¢ | 2.6¢ |
 |
United Quest Including cafes, bars, and fast food restaurants. |
2x | 1.3¢ | 2.6¢ |
 |
Delta SkyMiles Blue Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
 |
Delta SkyMiles Gold Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
 |
Delta SkyMiles Platinum Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
 |
JetBlue Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
 |
JetBlue Business | 2x | 1.2¢ | 2.4¢ |
 |
JetBlue Plus Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
 |
JetBlue Premier | 2x | 1.2¢ | 2.4¢ |
 |
US Bank Altitude Connect Including cafes, bars, and fast food restaurants |
2x | 1.1¢ | 2.2¢ |
 |
US Bank Business Altitude Connect Includes Takeaway |
2x | 1.1¢ | 2.2¢ |
 |
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 Restaurants Worldwide. including takeout and delivery. |
3x | 0.7¢ | 2.1¢ |
 |
Bank of America Premium Rewards Including cafes, bars, and fast food restaurants. |
2x | 1.0¢ | 2.0¢ |
 |
Bank of America Premium Rewards Elite Including cafes, bars, and fast food restaurants. |
2x | 1.0¢ | 2.0¢ |
 |
Wyndham Rewards Earner | 2x | 1.0¢ | 2.0¢ |
 |
Amazon Business Prime | 2x | 0.7¢ | 1.4¢ |
 |
Amazon Prime Including cafes, bars, and fast food restaurants. |
2x | 0.7¢ | 1.4¢ |
 |
Chase Disney Premier Including cafes, bars, and fast food restaurants. |
2x | 0.7¢ | 1.4¢ |
 |
IHG One Rewards Traveler Including cafes, bars, and fast food restaurants. |
2x | 0.6¢ | 1.2¢ |
 |
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 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 Must choose either Gas Stations, Grocery Stores or Restaurants. |
2x | 1.0¢ | 2.0¢ |
 |
Hawaiian Airlines Business | 2x | 0.7¢ | 1.4¢ |