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.
American Express Business Gold
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)
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Amex Member Rewards »
Point System
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American Express »
Bank
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$1,237 1st Year Value
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100,000 Bonus Points
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$15,000 Minimum Spend
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1.4¢ Max Point Value
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3X | 5.1Per Dollar Spent
Including cafes, bars, and fast food restaurants.
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Chase Ultimate Rewards »
Point System
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JP Morgan Chase »
Bank
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$1,004 1st Year Value
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60,000 Bonus Points
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$4,000 Minimum Spend
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1.7¢ Max Point Value
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3X | 4.8Per Dollar Spent
Earn 3x points on dining, including eligible delivery services, takeout, and dining out.
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Chase Ultimate Rewards »
Point System
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JP Morgan Chase »
Bank
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$1,016 1st Year Value
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60,000 Bonus Points
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$4,000 Minimum Spend
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1.6¢ Max Point Value
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Our Top Selections for Restaurants (+)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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American Express 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¢ |
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Chase Sapphire Reserve Including cafes, bars, and fast food restaurants. |
3x | 1.7¢ | 5.1¢ |
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Chase Sapphire Preferred Earn 3x points on dining, including eligible delivery services, takeout, and dining out. |
3x | 1.6¢ | 4.8¢ |
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Marriott Bonvoy Bountiful Up to $15000 in combined purchases within your first 6 months from account opening |
4x | 0.6¢ | 2.4¢ |
Other Cards with Solid Value for Restaurants (=)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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American Express Gold Personal Earn 4x Membership Rewards points when you dine at restaurants worldwide. |
4x | 1.4¢ | 5.6¢ |
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Chase Freedom Flex 3x on dining including takeout |
3x | 1.6¢ | 4.8¢ |
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Chase Freedom Unlimited Including takeout and eligible delivery |
3x | 1.6¢ | 4.8¢ |
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Hilton Honors Aspire Amex U.S. restaurants only.including takeout and delivery. |
7x | 0.6¢ | 4.2¢ |
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American Express Green Personal from lunch orders to late–night takeout. |
3x | 1.4¢ | 4.2¢ |
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Wyndham Rewards Earner Plus | 4x | 1.0¢ | 4.0¢ |
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Chase Aeroplan including takeout and delivery. |
3x | 1.2¢ | 3.6¢ |
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Hilton Honors Surpass Amex U.S. restaurants only. |
6x | 0.6¢ | 3.6¢ |
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Citi Premier Card Including cafes, bars, and fast food restaurants. |
3x | 1.1¢ | 3.3¢ |
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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¢ |
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World Of Hyatt Card Earn 2 points per $1 spent at restaurants, cafes and coffee shops. |
2x | 1.6¢ | 3.2¢ |
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Capital One Savor One Rewards Including cafes, bars, and fast food restaurants. |
3x | 1.0¢ | 3.0¢ |
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Costco Anywhere Visa Including cafes, bars, and fast food restaurants. |
3x | 1.0¢ | 3.0¢ |
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Hilton Honors Amex U.S. restaurants only. |
5x | 0.6¢ | 3.0¢ |
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IHG Rewards Club Premier Including cafes, bars, and fast food restaurants. |
5x | 0.6¢ | 3.0¢ |
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IHG Rewards Premier Business Including cafes, bars, and fast food restaurants. |
5x | 0.6¢ | 3.0¢ |
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United Business Card Including cafes, bars, and fast food restaurants. |
2x | 1.5¢ | 3.0¢ |
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United Club Infinite Card Including cafes, bars, and fast food restaurants. |
2x | 1.5¢ | 3.0¢ |
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United Explorer Card Including cafes, bars, and fast food restaurants. |
2x | 1.5¢ | 3.0¢ |
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United Quest Card Including cafes, bars, and fast food restaurants. |
2x | 1.5¢ | 3.0¢ |
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Wells Fargo Active Cash 2% cash back on all purchases |
2x | 1.5¢ | 3.0¢ |
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Citi AAdvantage Platinum Select WE MC Including cafes, bars, and fast food restaurants. |
2x | 1.3¢ | 2.6¢ |
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Delta SkyMiles Blue Personal Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
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Delta SkyMiles Gold Personal Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
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Delta Skymiles Platinum Personal Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
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JetBlue Business | 2x | 1.2¢ | 2.4¢ |
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JetBlue card Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
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JetBlue Plus Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
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Marriott Bonvoy Bevy Restaurants worldwide. |
4x | 0.6¢ | 2.4¢ |
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Marriott Bonvoy Business Restaurants worldwide. |
4x | 0.6¢ | 2.4¢ |
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US Bank Altitude Connect Visa Including cafes, bars, and fast food restaurants |
2x | 1.2¢ | 2.4¢ |
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Premium Rewards Including cafes, bars, and fast food restaurants. |
2x | 1.0¢ | 2.0¢ |
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Wyndham Rewards Earner | 2x | 1.0¢ | 2.0¢ |
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Marriott Bonvoy Boundless Up to $6000 in combined purchases within your first 6 months from account opening |
3x | 0.6¢ | 1.8¢ |
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Marriott Bonvoy Brilliant Amex Restaurants Worldwide. including takeout and delivery. |
3x | 0.6¢ | 1.8¢ |
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Amazon Business Amex | 2x | 0.7¢ | 1.4¢ |
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Amazon Prime Rewards Visa Including cafes, bars, and fast food restaurants. |
2x | 0.7¢ | 1.4¢ |
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Disney Premier Visa Card Including cafes, bars, and fast food restaurants. |
2x | 0.7¢ | 1.4¢ |
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IHG Rewards Club Traveler Including cafes, bars, and fast food restaurants. |
2x | 0.6¢ | 1.2¢ |
Cards Offering Some Value for Restaurants with Limitations (-)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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World Of Hyatt Business card 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¢ |
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US Bank CashPlus Visa Must choose either Gas Stations, Grocery Stores or Restaurants. |
2x | 1.0¢ | 2.0¢ |
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Hawaiian Airlines Business MC | 2x | 0.7¢ | 1.4¢ |
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Sonesta World Mastercard | 2x | 0.7¢ | 1.4¢ |