The Best Credit Cards for Dining Out

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Updated: February 5, 2018

The Best Credit Cards for Dining Out

The content is accurate at the time of publication and is subject to change.

Whether it's a fancy meal at a five star restaurant or a quick bite for lunch, you should be earning cash back for dining out. With so many great no-fee credit cards on the market, there's no reason not to.

You don't have to be a foodie to get one of these cards, though it's ok if you are! There's nothing better than seeking out the latest and greatest restaurants and culinary delights while earning cash at the same time.

Even if you prefer to keep it simple, with a good steak or just a hamburger and fries, getting one of these cards will still save you a ton of cash. Everyone needs a break from the routine of daily cooking. Why not earn some cash back while you treat yourself?

So, you're ready for a card that makes dining out rewarding, but maybe you're not sure which one to get. Relax! We've done the hard work and found the best cards. Let's take a closer look at your options.

Max Rewards
Sign-Up Bonus
Interest-Free Financing
3% Cash Back on dining
$150 Cash Back after you spend $500 on purchases within 3 months from account opening
0% intro on purchases for 15 months
Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
No
N/A
5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
0% (14 months)
4% Cash Back on dining
$500 Cash Back after you spend $3000 on purchases within 3 months from account opening
N/A
2% cash back at gas stations & restaurants on up to $1,000 in combined purchases each quarter
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
0% (14 months)

Capital One® SavorOne℠ Cash Rewards Credit Card

For hardcore foodies out there, this will be the card for you. The SavorOne from Capital One earns cash back at both restaurants and grocery stores.

You'll earn an impressive 3% percent back on dining. Some other cards that are offering rewards at restaurants will only offer you 2% percent on dining. That's not bad, but this card does even better.

If your passion for food takes you into the kitchen, you'll be happy to hear that grocery store shopping earns a very respectable 2% percent back. Getting cash back for both dining and grocery stores is not easy to find in a card. These two rewards categories are not often combined together on one card. You are usually offered rewards either for dining or for groceries.

You'll also get a quick $150 bonus after spending just $500 in the first three months of card membership. Plus, all other purchases earn 1% percent cash back.

Beyond rewards, you'll get interest-free financing on both new purchases and balance transfers for fifteen months after opening your account. That's a great way to finance a big purchase or pay down some existing debt.

Believe it or not, you'll get all that from this card almost for free - the Capital One® SavorOne℠ Cash Rewards Credit Card has no annual fee.

Apply for a Capital One® SavorOne℠ Cash Rewards Credit Card

Citi® Double Cash Card – 18 month BT offer

Maybe you don't eat out that often. Perhaps food isn't your passion, but you do enjoy getting out of the house now and again and taking a break from the kitchen. Then the Citi® Double Cash Card – 18 month BT offer should be at the top of your list.

With this card, you'll get bonus cash back for all of your purchases, not just at restaurants or grocery stores. It earns a fixed percentage back, though the earning scheme is a little unusual.

When you make a purchase, you'll get 1 percent back. You'll earn another 1 percent after paying your bill.

In other words, this card rewards you for paying off your card. If you're a responsible cardholder, this is a great way to earn lots of cash back.

There are no special categories to worry about and no limits on what you can earn. You'll get 2 percent back everywhere, including restaurants, grocery stores, gas stations, wholesale clubs... wherever you shop. It's a very simple and lucrative card.

While the Double Cash card doesn't offer a 0% intro APR for purchases, it will give you an impressive 18 months of interest-free financing for balance transfers. If you're carrying a balance on a card with high interest rates, you need to get a 0% APR card and start paying down that debt.

You'll never have to pay to hold this card. Citi® Double Cash Card – 18 month BT offer has no annual fee.

Apply for a Citi® Double Cash Card – 18 month BT offer

Discover it® Cash Back

This Discover card may not give you big constant rewards on dining, but it does allow to garb good earnings in different rotating categories.

You can earn an incredible 5% cash back in rotating categories that change every quarter throughout the year. The amount of cash back you can earn each quarter is limited to $1,500 in purchases. So basically, you can earn $75 in cash back each quarter if you enroll and spend maximum. No worries if you spend a bit more. Everything that you spend over those $1,500 in rotating categories will earn 1% cash back. Plus, all other purchases will earn a standard 1% cash back without caps, limits, or enrollments.

If you do not activate a 5% bonus category, you will earn 1% cash back on all purchases. What is good about activation, you can do it any time even if the category is already active. You will simply have less time to earn that 5% cash back.

Rotating categories with additional cash back are not the only benefits the card has to offer. All new cardmembers will get all their cash back matched at the end of their first year of cardmembership. Thus, if you earn $300 in cash back, Discover will match it and your total cash back for your first year will be $600! Remember this offer is for the first year only.

Like many other Discover cards with cash back rewards, this Discover it® Cash Back card has no annual fee and allows to redeem cash back in any amount, any time.

Apply for a Discover it® Cash Back

Capital One® Savor® Cash Rewards Credit Card

If you think there are no other good offers for those who like dining at restaurants, you are wrong! Capital One has recently launched their new credit card for foodies - the Capital One® Savor® Cash Rewards Credit Card. You may think this card is similar to the SavorOne card, but it is not.

First of all, the Savor card comes with a bigger one-time bonus offer: $500 for spending $3000 on purchases within the first three months from account opening. Sounds great, especially if that spending requirement is not a big deal for you. And second, you will earn 4% - yes, 4%, it's not a typo - on dining and entertainment! No sing-ups, no changing categories and no limits - you will simply earn 4% back on dining out - a good reason to schedule one more dinner at your favorite restaurant.

Other rewards that you can earn on the go are 2% cash back at grocery stores and 1% cash back on all other purchases. Earned cash back will never expire, provided your account is active and in good standing.

However, this great offer is not that great as it could be. The card has an annual fee that starts on the second year of cardmembership. Plus, there are no promo interest rates, so you will need to clear the card balance each month to take advantage of big rewards.

Apply for a Capital One® Savor® Cash Rewards Credit Card

Discover it® chrome

Discover it® chrome card may not be quite as good of an earner as the Savor card, but it does have its own charms. Discover's excellent Cashback Match program and stellar security features alone make this card worth considering.

To start, you'll get a solid 2 percent back at gas stations and restaurants on up to $1,000 in combined purchases every quarter. While not as generous as the other cards we've discussed, you can still earn a lot of cash back if you spend a fair amount in those categories. All other purchases earn 1 percent.

Where this card starts to shine is with Discover's Cashback Match. At the end of your first year as a cardholder (provided you are a new cardmember), Discover will match every penny you've earned.

Did you get $500 in cash back? Well, that becomes a cool $1,000 after 12 months. The more you spend, the more you'll earn.

In effect, you'll be getting up to 4 percent back for gas and dining and 2 percent for everything else. The only drawback is that the Cashback Match is only good for the first year.

The Chrome card has a few more tricks up its sleeve, though. Discover's industry-leading identity theft protections can be worth their weight in gold, and they're absolutely free.

The issuer will monitor thousands of risky websites for the illegal use of your Social Security number.

Plus, they'll check with Experian daily to see if anyone's opened a new line of credit, like a credit card or car loan, in your name. No other card company does that for free.

If interest-free financing is important to you, then Discover's got you covered. You'll get 14 months of 0% APR for both purchases and balance transfers. That's more flexibility than you'll get with either of the other cards. When the introductory APR ends, the go to APR will be 13.99% - 24.99% Variable, based on your creditworthiness.

Discover it® chrome card for gas and restaurant purchases has no annual fee, making it completely free to hold.

Apply for a Discover it® chrome
Features: Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Intro APR (on Purchases): 0% intro on purchases for 15 months
Intro APR (on Bal. Tr.): 0% intro on balance transfers for 15 months
Regular APR: 14.74% - 24.74% (Variable)
Annual Fee: $0
Credit Nedeed: Excellent, Good
Features: Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Intro APR (on Purchases): N/A
Intro APR (on Bal. Tr.): 0% 18 months on Balance Transfers*
Regular APR: 15.49% - 25.49%* (Variable)
Annual Fee: $0*
Credit Nedeed: Excellent, Good
Features: Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
Intro APR (on Purchases): 0% (14 months)
Intro APR (on Bal. Tr.): 0% (14 months)
Regular APR: 13.99% - 24.99% Variable
Annual Fee: $0
Credit Nedeed: Excellent, Good
Features: Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
Intro APR (on Purchases): N/A
Intro APR (on Bal. Tr.): N/A
Regular APR: 16.24% - 25.24% (Variable)
Annual Fee: $0 intro for first year; $95 after that
Credit Nedeed: Excellent, Good
Features: INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Intro APR (on Purchases): 0% (14 months)
Intro APR (on Bal. Tr.): 0% (14 months)
Regular APR: 13.99% - 24.99% Variable
Annual Fee: $0
Credit Nedeed: Excellent, Good

Related User Questions

Can I earn 4% cash back at Walmart or other stores with Boscov's card? Unfortunately, no. As you can see Boscov's credit card doesn't have Visa or Mastercard logo. In most cases that means that this is a branded credit card that can be used only at specific brand locations. If you want to earn rewards on all purchases wherever you shop, consider general credit card... Boscov's credit card offers 15% off first purchase and its very tempting. I want to save but do not want to be in big debts because of high fees and rates on my credit card. Could... Its true that co-branded credit cards tend to have higher fees and rates than general credit cards. If you want to save there are options for any situations: credit cards with up to 18 months of 0% APR on purchases, low fees credit cards and, of course, credit cards with rewards on all purchases.... I want to buy an expensive shotgun near $3,000 at Scheels and guess I need financing. They wanted me to apply to their credit card, but I don’t like the terms. Is there a credit... There are many credit cards from major banks that will suit your situation. You can apply for a credit card that offers 0% intro APR and rewards. For example, consider the Discover it® Cash Back credit card. You can earn 5% cash back at different places each quarter like gas stations, grocery... See more questions
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions. All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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