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Best Credit Cards for Dining and Restaurants in May

Advertiser Disclosure: Most products in our articles are from partners who may provide us with compensation. However, opinions expressed here are author's alone, not those of any bank, credit card issuer, airline or hotel chain.

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.

To help you get the best rewards for every dollar spent, we’ve gathered together the top credit cards offering accelerated dining rewards from our partners.

Rewards Cards for Dining and Restaurants
Chase Freedom Flex℠ Card
Dining and Food: 3% back on dining, including takeout and eligible delivery services
Annual Fee: $0
Chase Freedom Unlimited® Card
Dining and Food: 4.5% back on dining, including takeout and eligible delivery services during first year
Annual Fee: $0
Chase Sapphire Reserve®
Dining and Food: 3X points per $1 on dining, including takeout and eligible delivery services
Annual Fee: $550
Chase Sapphire Preferred® Card
Dining and Food: 3X points per $1 on dining, including takeout and eligible delivery services
Annual Fee: $95
American Express® Gold Card
Dining and Food: Earn 4X points at restaurants worldwide, including eligible takeout and delivery services in the U.S.
Annual Fee: $250
Capital One SavorOne Cash Rewards Credit Card
Dining and Food: 3% back at restaurants, including takeout and eligible delivery services, and grocery stores‡
Annual Fee: $0
Citi Premier® Card
Dining and Food: 3X ThankYou Points per $1 at restaurants and grocery stores‡
Annual Fee: $95
Costco Anywhere Visa® Card by Citi
Dining and Food: 3% back on restaurants and 2% back on purchases from Costco and Costco.com
Annual Fee: $0*

‡4.5% cash back rate only valid up to $20,000 total spend on card; cash back rate drops to 3% after first year |*Active Costco membership required

>>Review our methodology our credit card experts use to evaluate dining rewards cards from our partners, or skip to the most frequently asked questions about the best credit cards for dining.

Best Credit Cards for Restaurants, Dining, Fast Food, Delivery and Takeout From Our Partners in May 2022

Chase Freedom Flex℠ Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on both purchases and balance transfers for the first 15 months. After the introductory period, a variable rate will apply. Balance transfers made within the first 60 days of account membership will be charged a balance transfer fee of either $5 or 3% of the amount of each transfer. After 60 days, that balance transfer fees increases to either $5 or 5% of the amount of each transfer, whichever is greater.

APR: Variable APR depending on credit worthiness. See terms for details.

Rewards Rate: Earn 5% cash back on up to $1,500 spent each quarter in rotating categories (when you activate), 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back at drugstores and 1% back on everything else.

Sign-Up Bonus: Receive a $200 bonus after you spend $500 in the first three months.

Who Should Use This Credit Card? People who want to maximize cash-back rewards with the option to get more value with travel redemptions.

Why We Like It

Why We Like the Chase Freedom Flex® Card

We love that the Chase Freedom Flex card expands on an already lucrative offering from Chase. The original Chase Freedom card was already a solid choice for cash-back enthusiasts, and this one raises the bar.

The Freedom Flex also gives cardholders access to Chase Ultimate Rewards, which is arguably the most versatile credit card rewards platform available. You’ll get plenty of redemption options at good rates. Plus, if you have one of the program’s travel credit cards, you can transfer points from your Chase Freedom Flex to your travel card account and get even more value and flexibility with how you redeem.

The Chase Freedom Flex Card is an excellent cash-back credit card for people who are looking to maximize rewards. Cardholders can take advantage of its excellent rewards rate: 5% cash back on rotating categories when you activate (up to $1,500 each quarter), 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back at drugstores and 1% back on other purchases.

As a new Freedom Flex cardholder, you’ll also earn a $200 sign-up bonus after you spend $500 in the first three months.

The Freedom Flex also offers an introductory 0% APR on new purchases and balance transfers for the first 15 month from account opening. Read our full review of the Chase Freedom Flex Card review.


Chase Freedom Unlimited® card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: Extra 1.5% cash back on all purchases (up to $20,000 spent) in the first year
APR: Variable APR After Intro 0% APR Period
Intro Rewards Rate: 3%-6.5% Cash Back
Standard Rewards Rate: 1.5%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: This card allows new cardholders to save money with an introductory 0% interest rate on new purchases and balance transfers for the first 15 months of account opening.

APR: Variable APR depending on credit worthiness.

Bonus: Earn an additional 1.5% cash back on all purchases (up to $20,000) in the first year of account opening. This bonus is valued at up to $300 in cash back, and increases rewards rates to: 6.5% cash back on travel booked through Chase, 4.5% back on dining (including takeout and eligible delivery services) and drugstore purchases and 3% back on all other purchases.

Rewards Rate: After the bonus 1.5% cash back intro offer period concludes, earn 5% cash back on travel booked through Chase Ultimate Rewards®, 3% back at drugstores and on dining purchases and 1.5% back on everything else.

Who Should Use This Credit Card? Households that prioritize cash-back rewards for everyday spending and Chase loyalists who are looking to maximize Ultimate Rewards earnings.

Why We Like It

Why We Like the Chase Freedom Unlimited® Card

You don’t need excellent credit to get the Chase Freedom Unlimited. In fact, many cardholders report getting approved with good credit. We like that the card offers a high flat rewards rate but also provides accelerated rewards on some common everyday spending categories. You’ll also get access to the Chase Ultimate Rewards portal, which allows you to use your cash-back earnings for travel rewards, gift cards and more.

And that sign-up bonus? Adding extra value to everyday spending categories like dining and travel help elevate this card above its competitors. Add the fact that there’s a 0% introductory APR for 15 months, an extra 1.5% cash back bonus during the first year of account holding and no annual fee, and you’ll see why the Chase Freedom Unlimited is among our favorite flat-rate cards.

The Chase Freedom Unlimited is a valuable all-around credit card with no annual fee. This cash-back card earns a rewards rate of 5% cash back on travel booked through Chase Ultimate Rewards, 3% back at drugstores, 3% back on dining, including takeout and eligible delivery services and a flat-rate 1.5% back on other purchases. There are no rotating categories to track, caps on how much you can earn or excluded purchase categories.

New cardholders can take advantage of its big sign-up bonus—enjoy an additional 1.5% cash back on all purchases (up to $20,000 spent) in the first year. This bonus is valued at up to $300 in cash back, and stacks with all the above rewards rates, meaning you can earn up to 6.5% cash back. Read our full review of the Chase Freedom Unlimited Card.


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 10x points per dollar spent on hotels and rental cars as well as 5x points on air travel booked directly through Chase Ultimate Rewards immediately after you spend $300 on travel purchases annually. Additionally, earn 3x points per dollar spent on all other travel and dining purchases and 1x everywhere else.

Sign-Up Bonus: Earn 50,000 bonus points after using your 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 among the top premium travel cards available. While this credit card comes with a hefty $550 annual fee, the Sapphire Reserve is packed with travel perks that more than make up for the expense.

Right off the bat, the Chase Sapphire Reserve features a $300 annual travel credit. You also get free access to more than 1,300 Priority Pass lounges and restaurant options in airports 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.

New cardholders can also earn a sign-up bonus of 50,000 points after they spend $4,000 during the first three months of account opening. This Chase Sapphire Reserve bonus is worth $750 in travel redemptions when booking through the Chase Ultimate Rewards travel portal — where each point is worth at least 1.5 cents. Read our full Chase Sapphire Reserve review.


Chase Sapphire Preferred® Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $95
Bonus: 80,000 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), as well as 3x points on select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs). This card earns 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.

Sign-Up Bonus: New applicants can earn 80,000 bonus points after using their card to spend $4,000 on purchases in the first three months of account opening. That’s $1,000 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. This travel credit card helps users earn points quickly with accelerated rewards in everyday spending categories like travel and dining.

Cardholders enjoy perks like a $50 annual hotel credit, 10% anniversary point boost and access to the Ultimate Rewards Travel portal, powered by Expedia.

New cardmembers can earn 80,000 bonus points after using their credit card to spend $4,000 within three months of account opening. This bonus is worth $1,000 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.


Capital One SavorOne Cash Rewards Credit Card

Offer Details
capital one savorone card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: An introductory 0% APR on new purchases for the first 15 months of account membership, variable APR after that. The Capital One SavorOne Cash Rewards Credit Card charges a 3% balance transfer fee for transferred balances during the 15-month promotion.

APR: Variable APR based on creditworthiness.

Rewards Rate: The card offers unlimited 3% cash back per dollar spent on dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart and Target). Additionally, earn 5% cash back per dollar on hotels and rental cars booked through Capital One Travel. It offers 1% back per dollar on all other purchases.

Sign-Up Bonus: New cardholders can earn a one-time $200 bonus after spending $500 with the card during the first three months of account opening.

Who Should Use This Credit Card? People who regularly spend on entertainment, dining and grocery stores, but do not want a credit card with an annual fee.

Why We Like It

Why We Like the Capital One SavorOne Cash Rewards Credit Card

Foodies and entertainment aficionados alike will find a lot of value with the Capital One SavorOne Cash Rewards Credit Card. After all, with no annual fee and a big $200 bonus to get started, there’s plenty to gain and little to lose by trying it out. When you carry a Capital One SavorOne Cash Rewards Credit Card, you’ll earn cash back rewards every time you swipe, dip, tap or click to checkout. As your cash back balance grows, your biggest question will be how to treat yourself when you cash out your rewards.

Plus, when you sign up as a new cardholder, you won’t pay any interest on purchases for the first 15 months. Once you reach that date, regular variable interest rates begin. Having more than a year interest-free can be a very useful benefit when you’re looking to make a large purchase or undertake a big project at home.

The Capital One SavorOne Cash Rewards Credit Card is an absolute cash-back powerhouse. It awards 3% cash back for every dollar spent at restaurants, grocery stores, entertainment venues and eligible streaming services, including Netflix, Disney+ and Hulu. Additionally, it awards 5% cash back for every dollar spent on hotels and rental cars booked through Capital One Travel and 1% back on all other purchases. That’s a lot of value for a cash-back credit card with no annual fee.

New Capital One SavorOne Cash Rewards Credit Card users can earn a one-time $200 cash bonus after spending $500 on the credit card in the first three months of account opening. You also won’t pay any interest on purchases or balance transfers for the first 15 months. Read our full review of the Capital One Savor One Card.


Citi Premier® Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $95
Bonus: 60,000 ThankYou Points
APR: Variable APR Between 16.74% – 24.74%
Rewards Rate: 1X-3X ThankYou Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95

APR: Variable APR based on creditworthiness.

Rewards Rate: The card offers 3x ThankYou Points per $1 spent at supermarkets, gas stations, restaurants, air travel and hotels. Beyond that, the card awards 1x ThankYou Points per dollar spent on all other eligible purchases.

Sign-Up Bonus: New account holders can earn 60,000 bonus ThankYou Points after making $4,000 worth of purchases during the first three months of account opening.

Who Should Use This Credit Card? People who want to maximize rewards in multiple spending categories and welcome transferring points to airline partners.

Why We Like It

Why We Like the Citi Premier® Card

The Citi Premier Card, from our partner Citi, is worth considering if you’re looking for accelerated travel rewards, but don’t want to pay a huge annual fee. It earns 3X points per dollar on air travel, hotels and spending at gas stations. You’ll also earn 3X points per dollar at supermarkets and restaurants and 1X point on everything else.

It’s easy to quickly rack up lots of points on this card. While you can redeem ThankYou points for gift cards, you’ll get more value when you redeem points for flights and hotels, and potentially even better value when you transfer points to travel partners.

Citi has dramatically improved the ThankYou Rewards program in recent years as well as the cards that earn those points, especially the Citi Premier Card. To compete with American Express Membership Rewards and Chase Ultimate Rewards, Citi has onboarded new airline partners like Avianca LifeMiles and JetBlue TrueBlue.

The Citi Premier Card, from our partner Citi, is worth considering if you’re looking for a travel credit card, but don’t want to pay a huge annual fee. The Citi Premier Card offers new cardholders a sign-up bonus of 60,000 ThankYou Points after spending $4,000 during the first three months of account opening.

Additionally, this Citi credit card offers a range of incentives, such as bonus points, gift cards and deals with retail partners. Best of all, you’ll get more value when you redeem points for flights, and potentially even better value when you transfer points to Citi’s travel partners. Read our full review of the Citi Premier Card.


Costco Anywhere Visa® Card by Citi

Offer Details

Secure application on issuer’s website.

Annual Fee: $0 (active Costco membership required)
Bonus: None
APR: Variable APR of 15.99%
Rewards Rate: 1%-4% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0 (active Costco membership required)

APR: Variable APR based on creditworthiness.

Rewards Rate: The Costco Anywhere Visa by Citi offers 4% cash back on eligible gas purchases up to $7,000 annually, then 1% beyond that cap. It also offers 3% cash back on restaurant spending and eligible travel purchases, 2% cash back for both in-store and online Costco spending and 1% on all other purchases.

Sign-Up Bonus: None

Who Should Use This Credit Card? Costco members

Why We Like It

Why We Like the Costco Anywhere Visa® Card by Citi

The Costco Anywhere Visa Card, from our partner Citi, is a must-have for all Costco members. Not only do cardholders earn 4% cash back on eligible gas purchases, but they also earn 3% cash back on restaurant and travel spending and 2% cash back on all other Costco in-store and online purchases.

Most people don’t think of Costco as a place to head for fine dining, though some people swear Costco pizza and hot dogs are among the best value meals around. With a generous rewards rate for dining, groceries, gas and Costco purchases, this card can add up to big savings.

The Costco Anywhere Visa® Card by Citi, one of our partners, is a credit card made exclusively for Costco members. It comes with 4% cash back on up to $7,000 in annual gas purchases (and then 1% after), 3% back on restaurant and travel purchases, 2% back at Costco and Costco.com and 1% on other purchases.

One unique feature of the Costco Anywhere Visa Card is how you get your cash back. While most credit cards give you a monthly credit or a credit when you hit a certain rewards level, the Costco Anywhere Visa Card offers an annual rewards credit for all of your cash back earned. Also, this co-branded Citi credit card doesn’t have an annual fee, but you will need to be an active Costco member to enjoy its benefits.


Best American Express Credit Cards for Dining

American Express® Gold Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $250
Welcome Bonus: 60,000 Membership Rewards Points
APR: Variable APR
Rewards Rate: 1-4X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $250

APR: The card charges a variable APR on balances, depending on your credit worthiness.

Rewards Rate: This card awards 4X points per dollar at U.S. grocery stores, up to $25,000 each calendar year (1X point afterwards), and 4X points at restaurants worldwide, including eligible takeout and delivery services in the U.S. . Also earn 3X points on flights booked directly through airlines or with amextravel.com. Earn 1X points on all other eligible purchases.

Welcome Bonus: New cardholders can earn 60,000 Membership Rewards Points after spending $4,000 on eligible purchases during their first six months of card membership.

Who Should Use This Credit Card? Households that spend a large portion of their budget on food, either at grocery stores or restaurants, will find a lot of value with this credit card.

Why We Like It

Why We Like the American Express® Gold Card
The American Express Gold Card is a foodie’s dream. Not only will you earn outsized rewards at U.S. grocery stores and restaurants worldwide, you’ll also enjoy perks like $120 in dining credits each year with select merchants including Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations.

Yet, benefits like no foreign transaction fees for international purchases and $120 in annual Uber Cash credits make this card ideal for travelers as well. While the hefty annual fee may look daunting, households that are able to take advantage of the $240 worth of annual statement credits will easily offset that recurring cost.

All things considered, the American Express Gold Card is among the most appealing rewards credit cards currently on the market.

The American Express Gold Card is a foodie’s dream come true. This appetizing credit card awards 4X points per dollar spent at restaurants worldwide, including eligible takeout and delivery services in the U.S., and 4X points at U.S. supermarkets, up to $25,000 each calendar year (then 1%). You’ll also earn 3X points on flights booked directly through airlines or amextravel.com, and 1X point per dollar on all other purchases.

While the $250 annual fee may seem out of reach for many households, when you consider that this credit card also offers $120 annual Uber Cash credits (valid for both rideshare and meal delivery) and $120 in annual dining credits for select merchants including The Cheesecake Factory, Ruth Chris Steakhouse, Grubhub, Seamless, Boxed, and participating Shake Shack locations — families who use these services will undoubtedly offset the recurring cost of card membership.

Plus, the generous welcome bonus will go along way towards booking that next family vacation. Read our full review of the American Express Gold Card to learn more about its benefits and costs.


Don’t Forget the Amazon Prime Rewards Visa Signature Credit Card

Annual Fee$0
Sign-Up Bonus$200 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 credit 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

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.

Best Credit Cards for Restaurants and Dining FAQ

Which credit card gives the most points for restaurants?

The U.S. Bank Altitude Go Visa Signature Card may offer the most points per dollar spent at restaurants. It earns 4X points per dollar on dining purchases, including takeout and delivery.

Does “dining” include fast food purchases?

Yes, most credit card issuers include fast food purchases in the dining and restaurant category. However, sometimes fast food purchases at entertainment venues, sport arenas and airports do not code as dining. In these cases, you’ll earn rewards either in the entertainment category or your card’s base rewards rate.

Does Starbucks count as “dining” purchases?

Starbucks is usually counted as a dining or restaurant purchase. However, it depends on how the individual merchant codes itself. So if you find that a particular Starbucks did not award you the correct amount of rewards, then it most likely an issue with that specific Starbucks.

Does Amex count bars as restaurants?

Yes. In most cases, credit card issuers like American Express and Bank of America will count purchases made in bars as a dining or restaurant expense. However, it will depend on the specific establishment’s merchant category code (MCC).

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

How to Choose a Rewards Credit Card for Dining and Restaurants

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.

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.

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
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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