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Best Dining Credit Cards for Dining and Restaurants in November 2021

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Card IssuerDining and Food RewardsBonus OfferAnnual Fee
Chase Sapphire Reserve®3X points on dining, including takeout and eligible delivery services + free DashPass from DoorDash†Earn 50,000 Chase Ultimate Rewards Points after spending $4,000 on purchases in the first 3 months from account opening$550
Chase Sapphire Preferred® Card3X points on dining, including takeout and eligible delivery services, and 3x points for online groceries (excluding Walmart, Target and wholesale clubs) + free DashPass from DoorDash†Earn 60,000 Chase Ultimate Rewards Points after spending $4,000 on purchases in the first 3 months from account opening$95
American Express® Gold Card4X points for takeout, delivery services and U.S. restaurantsEarn 60,000 Membership Rewards Points after spending $4,000 on purchases on your new Card in your first 6 months$250
Capital One® Savor® Credit Card3% back at restaurants, including takeout and most delivery servicesEarn a one-time $300 cash bonus after spending $3,000 on purchases within 3 months from account opening$95
Blue Cash Preferred® Card from American Express6% back at U.S. supermarketsEarn $300 after spending $3,000 in purchases on your new Card in your first 6 months$95 (waived for first year)
Amazon Prime Rewards Visa Signature Credit Card5% back at Whole Foods and Amazon Fresh Delivery$100 Amazon gift card$0 (Prime membership required)

‡Up to $6,000 per year in purchases (then 1%). †Complimentary DashPass valid for 1 year after activation. * Bonus spending category must be activated.

>>Review our methodology our credit card experts use to evaluate dining rewards cards.

*Jump to the most frequently asked questions about the best credit cards for dining.

Best Dining Credit Cards for Delivery, Takeout and Restaurants in November 2021

Everyone has to eat. Whether you are going to a favorite restaurant, hitting up the drive-thru or enjoying a home-cooked meal, there is a cost involved somewhere along the way. If you are swiping to check out at the grocery store or you want to pay at a restaurant, you might as well get the best possible credit card rewards in the process.

I’ve been working to maximize my credit card rewards since getting my first award flights to London, Paris and Amsterdam in 2011. Over the near-decade since, I’ve found how to use credit cards’ bonus cash back and travel rewards bonuses for supermarket and dining category purchases. If you consider yourself to be a foodie, it’s a good idea to look at some of the best cards so you get the best rewards for every dollar spent.

From American Express to Chase, these top credit cards offer accelerated dining rewards for takeout, fast food, sit-down restaurants and meal delivery services like UberEats, Grubhub, Postmates and DoorDash.


Chase Sapphire Reserve® Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $550
Bonus: 50,000 Points
APR: Variable Rate
Rewards Rate: 1X-10X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $550

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card offers you 10x points per dollar spent on hotels, rental cars and Chase Dining experiences booked directly through the Chase Ultimate Rewards portal. Additionally, it awards 5x points on flights booked through Chase Ultimate Rewards and 3x points per dollar spent on all travel and dining purchases and 1x everywhere else.

Sign-Up Bonus: Earn 50,000 bonus points after using their card to spend $4,000 within three months of account opening.

Who Should Use This Credit Card? Frequent travelers who are serious about earning travel awards.

Why We Like It

Why We Like the Chase Sapphire Preferred® Card

Right off the bat, Chase Sapphire Reserve features a $300 annual credit for travel purchases. That means the annual fee is effectively just $250 per year for frequent travelers. You also get free access to more than 1,300 Priority Pass lounges and restaurant options around the world. Those lounges usually give you free food and drinks, cleaner bathrooms, fast internet and a comfortable place to sit outside of the ruckus of an airport terminal. Plus, the Sapphire Reserve will get you access to the upcoming Chase Sapphire Lounge network.

If you’re looking to elevate your travel experience, look no further than the Chase Sapphire Reserve. When you first get approved, you’ll earn 50,000 bonus points after you spend $4,000 in the first three months — that’s worth $750 in travel booked through Chase Ultimate Rewards and potentially more if you transfer your rewards to one of Chase’s airline or hotel partners.

The Chase Sapphire Reserve® is well known as the premier luxury travel card. However, as a dining rewards credit card, it also shines. In addition to awarding 3x Chase Ultimate Rewards Points per dollar spent at restaurants worldwide, including takeout, meal delivery and even fast food, the Chase Sapphire Reserve also offers a complimentary DashPass from the meal delivery service DoorDash. Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases. (This offer must be activated by December 31st, 2021.)

Bonus CategoryRewards Rate
Hotels and Car Rentals Through Chase10x
Chase Dining10x
Lyft10x
Air Travel Through Chase5x
Travel3x
Dining3x
Other Purchases1x

In addition to travel credits and dozens of other benefits, the Chase Sapphire Reserve also gives you access to $60 in statement credits on DoorDash purchases through December 31st, 2021. Our full review details all of the hidden benefits of the Chase Sapphire Reserve.


Chase Sapphire Preferred® Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $95
Bonus: 60,000 Points
APR: Variable Rate
Rewards Rate: 1X-5X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card offers 5x points per dollar on travel booked through Chase Ultimate Rewards, 3x points on dining (including eligible takeout and delivery services), 3x points on select streaming services, 3x points on online groceries (excluding Target and Walmart), 2x points on all other travel spending and 1x point per dollar everywhere else. Chase broadly defines travel to include not just airfare, hotels and rental cars, but expenses like parking, tolls and public transit too. Also, the card earns 5x points per dollar spent on Lyft rides through March 2022.

Sign-Up Bonus: New applicants can earn 60,000 bonus points after using their card to spend $4,000 on purchases in the first three months of account opening. That’s $750 when redeeming points to book travel through Chase Ultimate Rewards.

Who Should Use This Credit Card? People who are beginning with travel rewards cards.

Why We Like It

Why We Like the Chase Sapphire Preferred® Card

The Chase Sapphire Preferred actually works like having over a dozen different rewards credit cards. That’s because this credit card allows you to transfer your rewards points into miles with 11 airlines and points with three hotel programs.

Although the Chase Sapphire Preferred might not be ideal for the most frequent travelers and highest spenders, it’s part of a family of Chase cards that has a built-in upgrade path. So when it comes time to take your travel rewards game to the next level, you won’t have to start from scratch with an entirely different credit card and rewards program.

The card has a $95 annual fee, but the $50 annual Ultimate Rewards Hotel Credit effectively reduces that fee to $45. Plus, the credit card allows you to continue earning points through bonus categories and a 10% anniversary points boost. But when it comes time to redeem your rewards for travel, this card really shines. You can take advantage of some really strong transfer partners such as United, Southwest, Singapore Airlines, Virgin Atlantic and Hyatt. Similarly, you can just book any reservation you want through the Chase Ultimate Rewards travel center.

The Chase Sapphire Preferred® Card is one of the gold standards for earning travel rewards. New cardmembers can earn 60,000 bonus points after using their card to spend $4,000 within three months of account opening. This is worth $750 in travel reservations booked through Chase Ultimate Rewards, but potentially more when transferred to airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.

Additionally, Chase recently made updates to the Sapphire Preferred which give the card even more value than before. Cardholders now enjoy new perks like a $50 annual hotel credit, 10% anniversary point boost and new bonus categories like online groceries (excluding Walmart, Target and wholesale clubs) and select streaming services.

Cardholders also receive a complimentary DashPass subscription from the restaurant delivery service DoorDash. Although the DashPass is a limited-time benefit, it will last a minimum of one year after activating the offer by December 31st, 2021. Read our full review of the Chase Sapphire Preferred.


American Express® Gold Card

Annual Fee$250
Welcome BonusEarn 60,000 Membership Rewards Points after you spend $4,000 on purchases on your new Card in your first 6 months
Intro APRNone
Foreign Transaction FeesNone
ApplySecure Website

If groceries or dining rewards for takeout, fast food and meal delivery are a big part of your budget, you should know about the American Express® Gold Card. This premium rewards card gives you 4x Membership Rewards Points per dollar at U.S. supermarkets (up to $25,000 per year in purchases) and 4x points on all restaurant purchases worldwide with no limits. Plus, the American Express Gold Card welcome bonus and statement credits are nothing to sneeze at. Read our full review of the Gold Card.

Bonus CategoriesMembership Rewards Points RateAnnual Limit
Restaurants worldwide, including takeout and delivery services4x pointsNo limit
Grocery Stores4x pointsNo limit
Other Purchases1x pointNo limit

The American Express Gold Card has partnerships that provide you with even more dining rewards. When you order food from Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed and participating Shake Shack locations you can earn up to $10 in statement credits monthly when you pay with the Gold Card. This can be an annual savings of up to $120. Enrollment required.


Savor® Rewards from Capital One®

Annual Fee$95
Sign-Up BonusEarn a $300 one-time cash bonus after spending $3,000 on purchases in the first 3 months
Intro APRNone
Foreign Transaction FeesNone
ApplySecure Website

The Savor Rewards from Capital One features 4% cash back on entertainment and dining purchases, including takeout and most delivery services. If you do the math on your dining, entertainment and grocery store spending habits, it’s easy to find a path to earning a profit with this card in your wallet.

Bonus CategoriesRewards RateAnnual Limit
Dining, including takeout and most delivery services4% backNo limit
Entertainment4% backNo limit
Eligible Streaming Services4% backNo limit
Grocery Stores3% backNo limit
Other Purchases1% backNo limit

The main drawback is the card’s annual fee. However most people will earn more than $100 in cash-back rewards with regular use, which will offset the cost of the hefty annual fee. Capital One offers a similar no-annual-fee version of this card called the SavorOne®. It earns less cash back on eligible purchases, but has the same bonus categories.


Blue Cash Preferred® Card from American Express

Annual Fee$0
Welcome BonusEarn $300 statement credit after spending $3,000 in purchases on your new Card in your first 6 months.
Intro APRYes
Foreign Transaction FeesYes
ApplySecure Website

It doesn’t matter who you are or where you spend your money. There are a few budget items that almost all of us share. Whether you make every meal from scratch or balance home cooking with takeout and meal delivery services, the Blue Cash Preferred Card from American Express rewards you with some of the highest cash-back rates available. Combine that with shopping perks and protections, and it’s easy to see why this card is often touted as the best all-around family credit card on the market today. Read our full review of the Blue Cash Preferred Card.

Bonus CategoriesRewards RateAnnual Limit
U.S. Supermarkets6% backUp to $6,000 per year in purchases
Select U.S. Streaming Service6% backNo limit
Transit3% backNo limit
U.S. Gas Stations3% backNo limit
Other Purchases1% backNo limit

The American Express Blue Cash Preferred Card is worth considering if there’s a good chance of recouping the annual fee — and then some, hopefully — over the course of the year. If you don’t feel that you’ll earn at least the annual fee back in rewards, however, it might be worth looking at American Express’ no-fee version of this card, the Blue Cash Everyday Card.


Amazon Prime Rewards Visa Signature Credit Card

Annual Fee$0
Sign-Up Bonus$100 gift card
Intro APRNone
Foreign Transaction FeesNone
ApplySecure Website

The Amazon Prime Rewards Visa is a no-brainer for people with an Amazon Prime membership. The card has no annual fee and gives you an impressive 5% back on all Amazon purchases as long as you keep Prime active. But those benefits go well beyond the books and other items that Amazon first built its reputation on. Read our full review on the Amazon Prime Visa.

Bonus CategoriesRewards RateAnnual Limit
Amazon5% backNo limit
Whole Foods5% backNo limit
Amazon Fresh5% backNo limit
Restaurants, including takeout and most delivery services2% backNo limit
Gas Stations2% backNo limit
Drug Stores2% backNo limit
Other Purchases1% backNo limit

The 5% back extends to Amazon-owned Whole Foods and grocery delivery from Amazon. If your family uses a grocery delivery service regularly, switching to this card for Whole Foods and Amazon Fresh could work out to be a good deal. It also offers 2% cash back at restaurants, gas stations, and drugstores. Even if it isn’t your daily card for all purchases, it works very well when used for strategic purchases at Amazon and its family of brands.

Methodology: How We Choose the Best Credit Cards

We chose our best rewards credit cards based on the total value they offer to cardholders through ongoing rewards, sign-up bonuses, 0% APR promotions and other perks. We also broke the cards down into clear categories that highlight features that credit card users are typically interested in — for example, premium travel vs. general travel, flat rewards vs. tiered rewards and so on.

While some cards charge annual fees, we only picked ones that make it easy to make up for them with the value they provide. Before you apply, though, take some time to compare these cards with other top credit card offers to make sure you get the best fit for you.

Frequently Asked Questions About Dining Rewards Credit Cards

What Is an Annual Fee?

An annual fee is a set charge that occurs yearly. For credit cards with annual fees, the card issuer applies the charge to your account as soon as you are approved. You will see that same charge on your card anniversary. If you do not pay the annual fee, you will start to pay interest on it.

Since your annual fee is applied to your charge account automatically, that will affect your credit card limit. For example, if you applied for a card with a $5,000 credit limit and the annual fee is $95, your new credit limit will be $4,905 until you pay your bill. Keep this in mind if you are hoping to use your new card for a big purchase right after signup.

Annual fees do not count for sign-up bonuses and they do not earn bonus points or cash back.

Annual fees vary by card, with most fees starting at $95. Some cards, like the Chase Sapphire Reserve, charge a larger annual fee, but the card also comes with more rewards like an annual travel credit. Whereas the Citi Double Cash Card does not charge an annual fee.

Once you open a rewards credit card, and you’re comfortable managing it, it’s smart to become familiar with credit card bonus categories. Some cards offer higher rewards when you spend money on specific types of eligible purchases. For example, the Chase Sapphire Reserve Card gives you 10x bonus points when you book a hotel or rental car through the Chase Ultimate Rewards portal.

Tips on Maximizing Dining Rewards With Credit Cards

I have three cards on this list already. Because I pay off my balances in full every month before the due date, I’ve never paid a cent of credit card interest. I keep close tabs on my annual fees to ensure every card in my collection rewards me more than it costs.

Because you have to eat anyway, you may as well get rewarded for it with bonus points. With any of these great credit cards for foodies and dining in your wallet, you’ll get valuable cash-back or travel rewards with every restaurant or grocery store visit. That’s something anyone can enjoy.

Tips to Improve Credit Scores

If you don’t have a strong credit score, you may be wondering what your chances are of getting approved for a card. Unfortunately, it’s difficult to say because credit card issuers don’t disclose their eligibility criteria publicly. However, here are some tips for improving your chances of getting your next credit card.

  • Improve your credit score: If your credit score isn’t in great shape, consider working on improving it before you apply for a new account. Check your credit report to see which areas need work and address them as quickly as possible.
  • Apply within your credit range: Rewards credit cards are appealing, but most of them require good or excellent credit (that’s a FICO credit score of 670 or higher). If your credit score isn’t quite there yet, focus on cards that market to people who are working on building their credit.
  • Don’t give up: If you’ve had a credit card application declined recently, it can be easy to take it personally or get discouraged. In some cases, you may be able to call and ask them to reconsider. If they won’t, just because one card issuer denied you, it doesn’t mean all of them will. While it’s best to avoid applying for multiple credit cards in a short period, don’t be afraid to apply again in the future.

As you follow these steps and consider these tips to improve your credit score, you’ll be in a better position to apply for and get the credit card you want to have.

How to Choose a Rewards Credit Card for Buying Groceries

With so many different reward cards and travel rewards cards out there, how do you know which is right for you? The easiest way to know which card is best is to evaluate your spending.

Where do you spend the most money? Once you know where your money is going, you can choose a card that will reward you the most in that category of spending.

It is also a good idea to consider how much time you want to invest in your reward card. Do you want to keep up with rotating category bonuses and make sure you are getting the best flight deals for your points? Or would you rather something easier like a card that earns a flat rate cash back or bonus points on eligible purchases?

There is no wrong answer, but you need to know these answers to understand which card will best benefit your lifestyle.

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Eric Rosenberg
Eric Rosenberg is a finance, travel, and technology writer in Ventura, California. He is a former bank manager and corporate finance and accounting professional who left his day job in 2016 to take his online side hustle full-time. He has in depth experience writing about banking, credit cards, investing, business, and other financial topics. When away from the keyboard, Eric enjoys exploring the world and spending time with his wife and little girls. You can connect with him at Personal Profitability or EricRosenberg.com.

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