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Best credit cards for dining and restaurants

A dining card pays extra rewards at restaurants. Some pay 3% or more back, compared with 1% to 2% on a flat-rate card.

Some cards limit how much dining spend earns the higher rate each year. The rate then drops back to the base rate.

These cards help most if you eat out often. If you do not, the higher rate earns little and a flat-rate card may be simpler.

We list 10 cards here. 9 have no annual fee. The largest welcome bonus we track is $200 on the Customized Cash Rewards.

A card is listed here when the issuer states an earn rate of 3% or more on dining. Sorted by highest dining rate first, then lowest annual fee. Facts match the main cards page.

Common questions

What counts as dining?
Usually restaurants, bars and cafes. Some cards also count takeout and delivery. Check the issuer terms for the exact list.
Are dining cards worth an annual fee?
Only if the extra rewards are larger than the fee. Divide the fee by the extra percentage to see how much you must spend at restaurants each year.

Card terms come from each issuer and can change. Check the issuer page before you apply. SwitchWize may earn a fee if you apply through a link marked as an offer.

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