Drowning in choices when it comes to credit cards? Simplify your search. If dining out often is your thing, you’re in the right spot. We’ve analyzed the best credit cards for restaurant enthusiasts. Let’s get straight to the point.

After meticulously reviewing hundreds of credit card options for you, here’s our top-tier selection:

Best Overall

Chase Sapphire Reserve® Card

The Chase Sapphire Reserve® Card gained recognition from restaurant lovers, as it provides an unlimited 3 points for every dollar spent on dining. With each point easily redeemable for 1.5 cents, this translates to an impressive 4.5% cashback equivalent.

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Runner Up

American Express® Gold Card

With no predefined spending limit, the American Express® Gold Card offers a generous reward of 4X Membership Rewards points in your top two monthly business spending categories, including restaurants, and 1 point per $1 on all other purchases.

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Best No Yearly Fee

Citi Custom Cash® Card

The Citi Custom Cash® Card delivers significant benefits without charging an annual fee. It provides an automatic 5% cashback on your highest spending category, including restaurants, up to $500 per billing cycle, with 1% cashback on other categories.

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Best Credit Cards for Restaurants From Our Partners

Delving deeper, we’ve expanded our analysis to provide more options and a comprehensive summary of the essential details. This should guide you in making an informed choice. Take note of the highlighted equivalent cashback, which is based on the points rewards and their respective dollar value.

Rank Credit card Benefits Highlights Restaurants cashback Annual fee Required Credit Score Intro offer Learn more
Chase Sapphire Reserve® card image
Chase Sapphire Reserve® Card
  • $300 Annual Travel Credit
  • Priority Pass Airport Lounge Access
  • 5x points on flights and 10x points on hotels via Chase Ultimate Rewards®
  • Trip Cancellation/Interruption Insurance, Auto Rental CDW, Lost Luggage Insurance and more
  • $100 credit towards TSA PreCheck/Global Entry/NEXUS credit
  • No Foreign Transaction Fees


3 points per dollar,
redeemable at 1.5 cent


720-850 (Excellent)

60,000 bonus points

American Express Gold Card image
American Express® Gold Card
  • 4x Membership Rewards® Points at Restaurants and Supermarkets
  • 3x Membership Rewards® points on flights booked on amextravel.com
  • $120 Uber Cash on Gold per year
  • $120 Dining Credit at specific restaurants
  • $100 experience credit with a two-night stay booked via American Express Travel
  • No Foreign Transaction Fees


4 points per dollar


690-850 (Excellent)

60,000 bonus points

Citi Custom Cash Card image
Citi Custom Cash® Card
  • 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
  • No rotating bonus categories to sign up for
  • No Annual Fee



630-850 (Average - Excellent)

$200 cash back

U.S. Bank Altitude® Go Visa Signature® Card image
U.S. Bank Altitude® Go Visa Signature® Card
  • 4x points on dining, takeout and restaurant delivery
  • 2x points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations
  • Pay over time with a U.S. Bank ExtendPay® Plan
  • $15 annual Streaming bonus



720-850 (Excellent)

20,000 bonus points

In conclusion, with the right choice, you can enjoy a cashback of almost 5%. While some cards require a hefty yearly fee, they offer immense value, effectively reimbursing the entire cost – a prime example being the Sapphire Reserve. On the flip side, options like the Citi Custom Card and the U.S. Bank Altitude® Go Visa Signature® Card let you reap similar rewards without any yearly fee. The power of choice is in your hands!