The best credit cards to use at restaurants — whether you’re dining in, ordering takeout, or having your food delivered

best credit cards dining restaurants food

 Summary List PlacementTable of Contents: Masthead StickyThe best credit cards for dining rewards in 2021:

4x points at restaurants worldwide: American Express® Gold Card

DoorDash perks and 3x points on dining: Chase Sapphire Reserve®

2x points on all dining: Chase Sapphire Preferred® Card

4% cash back on all dining: Capital One® Savor® Cash Rewards Credit Card

3% cash back on dining with no annual fee: Chase Freedom Flex℠ and Chase Freedom Unlimited®

5x points on dining: Citi Prestige® Credit Card

Eating out can add up, but the good news is that it’s easier than ever to earn bonus credit card rewards on your spending.

Dining rewards shouldn’t be the only factor you consider when picking a card; other factors like the welcome bonus, annual fee, and redemption options should also be on your priority list. But when two cards offer similar features, a better earnings potential on dining (or other bonus categories), can tip the scales.

With that in mind, here are the credit cards for maximizing your rewards on dining, whether you’re enjoying a meal out or ordering in through a service like GrubHub or Seamless.

 American Express American Express® Gold CardAmerican Express® Gold Card

The American Express® Gold Card offers the best blend of value and earnings potential for restaurant lovers. First of all, the 4x points that it earns on dining purchases is fantastic. But it’s the annual dining credit of up to $120 that puts the card over the top.


After enrolling, cardholders can earn up to a total of $10 in statement credits each month when they pay with their card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations.

Chase Sapphire Reserve®Chase Sapphire Reserve®

The Chase Sapphire Reserve® earns 3x Chase Ultimate Rewards points on dining out worldwide as well as travel (excluding the purchases that qualify for the $300 travel credit). Another recently added benefit for those who like to order in is a complimentary year of DashPass membership with the delivery service DoorDash — this membership waives delivery fees and offers lower service fees on orders of $12 or more. Even better, Chase Sapphire Reserve® cardholders get up to $60 in statement credits with DoorDash in 2021.


You’ll receive up to a $300 travel credit each year that can be used for reimbursement on hotel, airline, car rental, and other travel purchases as well — and as a limited-time COVID benefit, cardholders can apply the credit to gas and grocery purchases through June 30, 2021.

The Chase Sapphire Reserve® also gives cardholders the ability to transfer points to any Chase Ultimate Rewards travel partner, such as Southwest Airlines, JetBlue, Hyatt, and others. When you have the Chase Sapphire Reserve®, your points are worth 1.5 cents each (50% more) when you use them to book travel through the Chase Ultimate Rewards portal or redeem through Pay Yourself Back (including toward …read more

Source:: Business Insider


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