The best credit cards for dining out, taking out and ordering in

Sep 30, 2020

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Editor’s note: This post has been updated with the latest credit card information.

When it comes to bonus categories, TPG readers love getting extra points for dining (travel credit cards are, unsurprisingly, another top pick). While dining indoors at restaurants might still be limited in some states, outdoor dining is back. Not to mention that taking out and ordering in is also possible and encouraged. If you’re spending a lot on dining, you should be using a credit card that will maximize your rewards and potentially even score special discounts. Thanks to temporary card bonuses and changes due to coronavirus, you may even be able to score a meal at your favorite restaurant for completely free.

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The best dining credit cards of 2020

The right credit card will earn you bonus points when dining out, taking out and ordering in. (Photo by Getty Images / katleho Seisa)
The best dining credit cards will earn you bonus points when dining out, taking out and ordering in. (Photo by Getty Images / katleho Seisa)

Finding the best card for your dining charges is not as easy as just looking at the earning rate on a card and deciding that 4x on dining is better than 3x. The value of the points or miles you’re earning is also an important part of the calculation. Three points per dollar on one card can actually be better than 4x points per dollar on another.

It’s also important to factor in the net cost of carrying the card in your wallet; many reward cards have high annual fees, but those are sometimes offset by annual travel and dining credits. Additionally, many cards now offer dining-focused perks such as exclusive access to reservations at certain restaurants and free or discounted food delivery.

Related: TPG reader credit card question: Can I earn miles with a dining portal and credit card at the same time?

So rather than forcing you to slog through every card in your wallet, we’ve done the math for you. For each of the best cards offering bonus rewards on dining, we calculated the bonus multiplier, the value of the points earned based on TPG point valuations, the annual fee and noted any special requirements about that card. Cash-back cards may be more useful for some readers and we’ll examine those as well. Here are the best options for the truly dedicated foodie.

Related: Hungry for miles? Use these tips to maximize earnings on your next food delivery order

In This Post

Comparing the best credit cards for dining out

Credit card Category bonus Value of the points* Total earned per dollar spent Annual fee Sign-up bonus/welcome offer
American Express Gold Card 4x 2 cents 8 cents $250 (see rates and fees) Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.  Terms apply.
Chase Sapphire Preferred Card 2x 2 cents 4 cents $95 80,000 points after spending $4,000 in the first three months
Citi Prestige Card 5x 1.7 cents 8.5 cents $495 50,000 points after $4,000 in spending in the first three months
American Express Green Card 3x 2 cents 6 cents $150 (see rates and fees) 30,000 points after spending $2,000 in the first three months. Terms apply.)
Hilton Honors Aspire Card from American Express 7x 0.6 cents 4.2 cents $450 (see rates and fees) 150,000 points after spending $4,000 in the first three months
Capital One Savor Cash Rewards Credit Card 4x 1 cent 4 cents $95 $300 cash bonus after you spend $3,000 within the first three months
Hilton Honors American Express Surpass Card 6x 0.6 cents 3.6 cents $95 (see rates and fees) 130,000 bonus points after you use your new Card to make $2,000 in eligible purchases within the first three months of cardmembership.

*Value of points based on TPG valuations and not provided by issuers

The information for the Citi Prestige Card, Capital One Savor Cash Rewards Credit Card, Amex Green card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related reading: 8 easy strategies to save money on food delivery and takeout

Best dining credit card details

American Express Gold Card

Photo by Isabelle Raphael/The Points Guy
Photo by Isabelle Raphael/The Points Guy

Annual fee: $250 (see rates and fees)

Welcome offer: Earn Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Check the CardMatch Tool to see if you’re targeted for a 60,000 to 70,000-point Gold Card offer (offers are subject to change at any time).

Earning rates: Earn 4x points at restaurants worldwide, 4x points at U.S. supermarkets (on the first $25,000 spent each calendar year; then 1x), 3x points on flights booked directly with airlines or amextravel.com and 1x on everything else.

Analysis: The Amex Gold Card comes in a close second by earning 4x points per dollar on dining worldwide, which is an 8% return based on TPG’s valuation of Amex Membership Rewards points. In addition to this terrific return, the card offers up to $120 annual in dining credits that you can use at merchants such as Boxed, Grubhub, Seamless, The Cheesecake Factory and participating Shake Shack locations. American Express also acquired restaurant-booking service Resy, so cardmembers have more dining perks, including bonus points for bookings and preferred access to reservations. Read more about the Amex Gold card on our card hub.

Related: Why the Amex Gold is the perfect ‘in-between’ credit card

Further reading:

APPLY HERE: American Express Gold Card

Chase Sapphire Preferred

(Photo by The Points Guy)

Annual fee: $95

Sign-up bonus: Earn 80,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That’s $1,600 in travel when you redeem through Chase Ultimate Rewards, according to TPG valuations.

Earning rates: Earn 5x points on Lyft rides through March 2022, 2x on travel and dining at restaurants and 1x spent on all other purchases worldwide

Analysis: If you’re looking for a cheaper option that earns flexible rewards, the Chase Sapphire Preferred might be your choice. Although it only earns 2 points per dollar on dining, its $95 annual fee is also a lot lower than many other cards on this list. Plus, cardholders get a free membership for the DoorDash DashPass unlimited delivery program, normally $9.99 a month, for free for at least a year.

Like the Sapphire Reserve, you’ll also get up to $50 in statement credits towards an Instacart Express membership.

Related: Chase Sapphire Preferred vs. the Amex Gold Card: Which one is right for you?

Further Reading:

APPLY HERE: Chase Sapphire Preferred

Citi Prestige

Annual fee: $495

Sign-up bonus: Earn 50,000 points after you spend $4,000 in the first three months of account opening.

Earning rates: Earn 5x points on dining at restaurants and air travel, 3x points at hotels and cruise lines and 1x everywhere else.

Analysis: As you can see, the Citi Prestige leads the way with 5 Citi ThankYou points per dollar spent at restaurants. Since TPG valuations peg the value of Citi ThankYou points at 1.7 cents each, the Prestige provides an 8.5% return on restaurant spending. Citi defines restaurants as including “cafes, bars, lounges and fast food restaurants.” The Prestige earns 5x points on dining both in the U.S. and abroad, but its $495 annual fee may be a bit much for some. However, 5x earning on airfare, a $250 annual travel credit and other benefits increase the card’s potential value.

Through the end of 2020, you can use your $250 annual travel credit at supermarkets and restaurants.

Further reading:

American Express Green Card

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Annual fee: $150 (see rates and fees)

Welcome offer: Earn 30,000 Membership Rewards points after you spend $2,000 on purchases within three months from account opening.

Earning rates: Earn 3x points on global restaurants and travel, including transit, and 1x on everything else.

Analysis: The mid-tier American Express Green Card got a major upgrade in 2019 and now earns 3x points for dining worldwide, plus 3x for travel, which is defined broadly to include airfare, hotel rooms, car rentals, tour operators, travel agencies, campsites and home-shares, plus transit that includes ride-hailing, buses, taxis, metros, subways, tolls and more — and 1x on everything else. It doesn’t have any dining-specific perks like the Amex Gold, but it offers up to a $100 annual credit for your Clear membership and up to $100 in credits for lounge access purchased with LoungeBuddy, meaning that if you can utilize both those credits in full, you’ve more than covered the annual fee.

Plus, through December 2020, you can get up to $10 per month in statement credits on wireless telephone services purchased directly from U.S. service providers.

Related: Why the Amex Green is my favorite card for points-and-miles beginners

Further reading:

APPLY HERE: American Express Green Card

Chase Sapphire Reserve

(Photo by The Points Guy)
(Photo by The Points Guy)

Annual fee: $550

Sign-up bonus: Earn 50,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That’s $750 in travel when you redeem through Chase Ultimate Rewards.

Earning rates: Earn 10x points on Lyft rides, 3x on travel and dining at restaurants and 1x spent on all other purchases worldwide.

Analysis: The 3x bonus on the Chase Sapphire Reserve, which ties for third with a 6% return, is valid for dining both in the U.S. and abroad. Dining is defined as “merchants in the restaurant category whose primary business is sit-down or eat-in dining, including fast food restaurants as well as fine dining establishments.” Chase has also partnered with DoorDash, the on-demand food platform, to offer both new and existing cardholders up to $60 in DoorDash statement credits throughout 2020 and $60 in additional DoorDash statement credits throughout 2021. As a cardholder, you’ll also get at least one year of DashPass through DoorDash for free.

But keep in mind the card’s $550 annual fee. You can offset a large portion of that fee with the card’s $300 annual travel credit, but you should still consider whether the points you earn on the card are worth the money you’re paying each year for it.

Due to the coronavirus pandemic, Chase is offering cardholders up to $50 in statement credits towards an Instacart Express membership (annual or monthly). This membership gets you $0 delivery fees on orders of $35 or more (typically $3.99-$7.99 for non-Express), reduced service fees (typically 5% for non-Express) and no busy pricing fees during peak delivery hours.

Related: Get the most out of Chase with these credit cards

Further Reading:

APPLY HERE: Chase Sapphire Reserve

Hilton Honors Aspire Card

Hilton Honors American Express Aspire card. (Photo by Clint Henderson/The Points Guy)
(Photo by Clint Henderson/The Points Guy)

Annual fee: $450 (see rates and fees)

Welcome offer: Earn 150,000 Hilton Honors points after spending $4,000 within the first three months.

Earning rates: Earn 14x points on eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio, 7x on flights booked directly with airlines or amextravel.com, car rentals booked directly from select rental agencies and at U.S. restaurants and 3x points on everything else.

Bonus points earned through eligible purchases, if they post to the card member’s Hilton Honors account between May 1 and Dec. 31, 2020, will be considered base points and will count toward elite tier qualification and lifetime Diamond status.

Analysis: This is an excellent card for Hilton loyalists, but it’s an expensive one if your hotel focus lies elsewhere. Its 7x return equates to a 4.2% return on dining, based on our valuations. This card also comes with access to Amex’s concierge service that may help you get a table at certain sought-after restaurants. Other benefits include an up to $250 annual Hilton resort statement credit, up to $250 annual airline incidental fee credit, complimentary Hilton Honors Diamond status, a free weekend night each year upon your account renewal and the ability to earn an additional free weekend night by spending $60,000 on the card in a calendar year.

Related: Your definitive guide to the American Express Global Dining Collection

In light of the coronavirus outbreak, unexpired free weekend night certificates — plus those issued through Dec. 31, 2020 — can now be used on any night of the week. Those issued between May 1 and Dec. 31, 2020 will be valid for 24 months from the date of issuance (rather than the usual 12 months).

Related: 7 reasons to get the Amex Hilton Aspire card

Further Reading:

APPLY HERE: Hilton Honors Aspire Card

Hilton Honors American Express Surpass Card

(Photo by Eric Helgas for The Points Guy)
(Photo by Eric Helgas for The Points Guy)

Annual fee: $95 (see rates and fees)

Welcome offer: Earn 130,000 bonus points after you use your new card to make $2,000 in eligible purchases within the first three months of card membership.

Earning rates: Earn 12x points on eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio, 6x points at U.S. restaurants, U.S. supermarkets and U.S. gas stations and 3x points on everything else.

Bonus points earned through eligible purchases that post to the cardmember’s Hilton Honors account between May 1 and Dec. 31, 2020, will be considered base points and count toward elite tier qualification and lifetime Diamond status.

Analysis: This card packs a punch for a relatively reasonable annual fee. It comes with automatic Hilton Honors Gold status, a free weekend night reward after spending $15,000 on eligible purchases on your card in a calendar year and 10 free Priority Pass lounge visits a year — all with no foreign transaction fees (see rates and fees).

Unexpired free weekend night certificates — plus those issued through Dec. 31, 2020 — can now be used on any night of the week, and those issued between May 1 and Dec. 31, 2020, will be valid for 24 months from the date of issuance (rather than the usual 12 months).

Related: Best Hilton card strategies now for travel later

Further Reading:

APPLY HERE: Hilton Surpass Amex

Capital One Savor Cash Rewards Credit Card

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

Annual fee: $95

Sign-up bonus: Earn a $300 cash bonus after spending $3,000 within the first three months.

Earning rates: Now through Jan. 31, 2021, you’ll earn 5% cash back on all orders with Uber Eats. You’ll also earn 4% cash back on dining and entertainment, 2% at grocery stores and 1% on everything else.

Analysis: The Capital One Savor Cash Rewards Credit Card is a decent contender, with a $95 annual fee. The Savor Cash earns 4% on all purchases that involve eating establishments — from restaurants to Starbucks to food trucks — so it’s a rewards credit card to consider if you’d rather deal with cash back instead of travel rewards. The one exception is Uber Eats orders, which earn a respectable 5% return through Jan. 31, 2021.

Aside from offering a solid return, Capital One has been investing in more unique dining-focused benefits. For instance, in the past, it provided access to exclusive dining experiences organized by the James Beard Foundation.

Further Reading:

FAQs

How we choose the best dining credit cards

These card picks are based on numerous criteria: the points program value, welcome bonus, perks and more. Popular features on some of these dining credit cards include monthly dining credits and exclusive access to reservations at certain restaurants.

When choosing the right dining credit card, always consider the spending requirements for the welcome bonus, since you won’t want to miss out on that. You should only apply if you’re able to comfortably meet the required spend.

Related: 10 best dining rewards programs

What counts as dining

Every card issuer applies different criteria to charges that will qualify for these bonuses. For instance, Chase defines dining quite broadly, including everything from conventional restaurants to coffee shops and even some bars that don’t serve food. American Express, on the other hand, typically only awards points for conventional restaurants and often not for independent coffee shops and bars. Some American Express cards also exclude foreign transactions from earning bonus points.

(Photo by Alexander Spatari/Getty Images)
Some issuers define dining more broadly than others. (Photo by Alexander Spatari/Getty Images)

Several of the cards discussed offer dining bonuses that are supposed to exclude food delivery services. However, in practice, these services usually still code as dining or food merchants and do earn bonus points. Sometimes restaurants aren’t categorized correctly, so if you feel like an eligible dining purchase didn’t code correctly, you can always try contacting the card issuer and asking for an exception.

Related: Food delivery promo codes to help you save money on your next meal

Bottom line

The Amex Gold Card and Citi Prestige take the cake here with a return of 8% or more on dining purchases. The Amex Green Card and Chase Sapphire Reserve tie for third place with a 6% return on dining worldwide. They all offer an unbeatable combination of a strong earning rate on dining purchases, a high point value and a reasonable net effective annual cost. But any of the cards on this list will get more value on dining purchases than a run-of-the-mill credit card, so make sure you pick the right card before you plan that night out — or a night in, since delivery services like Seamless count as dining with many cards. There are also worthwhile cash-back cards for those who don’t want to collect and redeem points.

Related guides

Featured photo by d3sign/Getty Images.

For rates and fees of the Amex Gold card, please click here.
For rates and fees of the Amex Green Card, please click here.
For rates and fees of the Hilton Aspire card, please click here.
For rates and fees of the Hilton Surpass card, please click here.


This is The Points Guy’s permanent page with the best currently available credit cards for dining, so you can bookmark it and check back regularly for updates. Keep in mind you may see some reader comments referring to older offers below.

2019 TPG Award Winner: Premium Card of the Year
Chase Sapphire Reserve®

SIGN-UP BONUS: 50,000 Points

TPG'S BONUS VALUATION*: $1,000

CARD HIGHLIGHTS: 3X points on all travel and dining, $300 annual travel credit, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
Intro APR on Purchases
N/A
Regular APR
16.99%-23.99% Variable
Annual Fee
$550
Balance Transfer Fee
Either $5 or 5% of the amount of each balance transfer, whichever is greater
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.