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.

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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

Card Details

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

Card Details

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

Card Details

Explore More Spend Categories

Airfare

All Other

Software and Hardware

See All Categories

Entertainment and Streaming

Rideshare and Transit

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¢
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¢
Wells Fargo Autograph	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¢
US Bank Triple Cash Rewards Business	3x	1.1¢	3.3¢
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¢
Bank of America Customized Cash Rewards 3% cash back in the category of your choice	3x	1.0¢	3.0¢
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 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	2x	0.7¢	1.4¢
Hawaiian Airlines Business	2x	0.7¢	1.4¢