Best Dining Credit Cards | Earn More On Restaurants & Food

Updated August 20, 2025

At Pointalize, we believe the right credit card can unlock smarter spending and bigger rewards.

That’s why we provide clear, independent guides and comparisons to help you make informed decisions.

When you apply for a card through links on our site, Pointalize may earn a commission. This compensation does not influence our reviews, rankings, or recommendations. All opinions and analyses are our own. Learn more in our Affiliate Disclosures and Privacy Policy.

At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.

Filter by

Issuers

Travel Perks

Sort by

Chase Sapphire Reserve®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

8x Travel booked through Chase Travel℠
4x Flights and hotels booked directly
3x Dining worldwide
1x All other purchases

Intro offer: 100,000 points + $500 Chase Travel℠ promo credit after $5,000 in purchases within the first 3 months

Annual fee: $795

Regular APR: 20.24% – 28.74% Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Cell Phone Protection, Hotel Status, Lounge Access, Rental Car Insurance, Travel Insurance, TSA PreCheck/Global Entry

Visit issuer’s site directly See Rates & Fees

Pros

Generous sign‑up bonus of 100K points plus $500 Chase Travel℠ credit
High earning rates: 8X on travel booked through Chase, 4X on direct flights and hotels, and 3X on dining
Extensive travel perks including Priority Pass lounge access, travel insurance and primary rental car coverage
No foreign transaction fees

Cons

$795 annual fee is steep and recently increased
Most elevated earning rates require booking through Chase Travel℠
Sign‑up bonus has a high spending requirement

Pointalize Final Thoughts

The Chase Sapphire Reserve remains a top-tier travel card thanks to its generous welcome bonus, rich earning rates and comprehensive travel perks. Frequent travelers who can leverage the annual Chase Travel℠ credit and lounge access can easily justify the high annual fee. However, casual users may find it hard to maximize the portal‑based rewards, and the fee increase makes cost–benefit analysis essential.

Read the full review (Coming Soon)

Chase Sapphire Preferred® Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

5x Travel purchased through Chase Travel℠
3x Dining, online grocery purchases and select streaming services
2x Other travel purchases
1x All other purchases

Intro offer: 75,000 points after $5,000 in purchases within the first 3 months

Annual fee: $95

Regular APR: 19.99% – 28.24% Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: Rental Car Insurance, Travel Insurance, TSA PreCheck/Global Entry

Visit issuer’s site directly See Rates & Fees

Pros

Substantial sign‑up bonus of 100K points with a modest $5K spend requirement
Strong earning structure: 5X on travel booked through Chase, 3X on dining, online groceries and select streaming, and 2X on other travel
Low $95 annual fee and no foreign transaction fee
Comes with primary rental car insurance and trip cancellation coverage

Cons

Highest earning rate applies only to purchases through Chase Travel℠
Fewer premium perks compared with the Sapphire Reserve
Requires good credit to qualify

Pointalize Final Thoughts

The Sapphire Preferred remains an excellent entry‑level travel card thanks to its generous sign‑up bonus and rewarding categories on travel and dining. Its $95 annual fee is easy to justify if you redeem points for travel through Chase or transfer to partners. While it lacks some of the ultra‑premium perks of its sibling Reserve card, it offers solid value for most travelers.

Read the full review (Coming Soon)

Savor Rewards®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

8% cash back on Capital One Entertainment purchases
5% cash back on hotels and rental cars via Capital One Travel
3% cash back on dining, entertainment, popular streaming, and groceries
1% cash back on all other purchases

Intro offer: Enjoy a $100 credit for Capital One Travel in your first year, plus earn a $200 cash bonus after spending $500 on purchases within the first 3 months

Annual fee: $0

Regular APR: 19.24% – 29.24% Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: None

Apply @ Capital One at issuer’s secure site See Rates & Fees

Pros

Year-round elevated earnings on dining, entertainment, streaming and groceries
8% back via Capital One Entertainment and 5% back on hotels & rental cars through Capital One® Travel
$0 annual fee and no foreign transaction fees

Cons

Best travel earnings require booking through the Capital One® Travel portal
No premium travel protections

Pointalize Final Thoughts

The Savor excels as a no-annual-fee lifestyle card: strong 3% categories for everyday spend, headline 8% via Capital One Entertainment, and useful 5% on hotels and car rentals through Capital One® Travel. With a straightforward welcome bonus, no foreign transaction fees and broad acceptance, it’s an easy recommendation for foodies and entertainment lovers who don’t need premium travel perks.

Read the full review (Coming Soon)

Amex® Gold Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

4x Restaurants worldwide
4x U.S. supermarkets (≤ $25k/yr, then 1x)
3x Flights (airlines or Amex® Travel)
2x Hotel Collection via Amex® Travel
1x Other purchases

Intro offer: Up to 100,000 points after $6,000 in purchases within the first 6 months

Annual fee: $250

Regular APR: 21.24% – 29.24% Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Rental Car Insurance, Travel Insurance

Apply @ Amex at issuer’s secure site See Rates & Fees

Pros

Generous 4X rewards at restaurants worldwide and on U.S. supermarket purchases (up to $25K per year)
Includes up to $120 dining credit and $120 Uber Cash each year when enrolled
Solid 3X earnings on flights booked with airlines or Amex® Travel
No foreign transaction fees

Cons

$250 annual fee may be high for casual spenders
Supermarket bonus capped at $25,000 in purchases per year
Requires enrollment to use monthly credits effectively

Pointalize Final Thoughts

The Amex Gold card hits a sweet spot for foodies and travelers with 4X rewards at restaurants and U.S. supermarkets and 3X on flights. Its dining and Uber credits help offset the $250 annual fee, and there’s no foreign transaction fee. However, you need to take advantage of the credits and higher multipliers to make the fee worthwhile.

Read the full review (Coming Soon)

Chase Freedom Unlimited®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

5% Travel via Chase Travel℠
3% Dining & drugstores
1.5% All other purchases

$150 Savings

Estimated savings over 24 months based on a $2,500 transfer at 15% APR.

Includes balance transfer fee and intro APR period. Equal payments assumed.

Intro offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months.

Annual fee: $0

Regular APR: 18.99 – 28.99 Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

High base rate: 1.5% cash back on every purchase makes it easy to earn consistently without worrying about categories./drugstores
Bonus multipliers: 3% cash back on dining and drugstores, plus 5% on travel purchased through Chase Travel℠, make it versatile for everyday and travel spending.
Flexible redemption options: Rewards can be cashed out or transferred to premium Chase cards (like Sapphire Preferred or Reserve) for higher value through Chase Ultimate Rewards®.
No annual fee, making it a long-term keeper card.

Cons

Requires pairing: To unlock the best value (like travel transfers), you need a Chase Sapphire card – otherwise, it’s mostly just cash back.
Foreign transaction fees, which reduce its usefulness abroad.
Rewards categories can feel overlapping/confusing for beginners compared to flat-rate cards.

Pointalize Final Thoughts

The Chase Freedom Unlimited® is one of the most versatile starter and keeper cards on the market. With solid rewards across daily spending categories and the ability to scale up when paired with a Chase Sapphire card, it offers both simplicity and long-term growth potential. On its own, it’s a strong no-annual-fee cashback card; combined with Chase’s travel ecosystem, it becomes a gateway to premium redemptions and outsized value. For anyone serious about building a Chase Ultimate Rewards® strategy, this card is almost a must-have.

Read the full review (Coming Soon)

Chase Freedom Flex®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

5% cash back in quarterly bonus categories.
5% on travel purchased through Chase Travel℠.
3% on dining at restaurants, including takeout and eligible delivery services.
3% on drugstore purchases.
1% on all other purchases.

Intro offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening

Annual fee: $0

Regular APR: 18.99% – 28.49% Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

5% cash back on rotating quarterly categories (up to $1,500 spend per quarter).
Strong bonus categories: 5% on Chase Travel, 3% on dining and drugstores, plus 1% everywhere else.
No annual fee, making it easy to keep long-term.

Cons

Rotating categories require activation and can feel restrictive.
Foreign transaction fees limit usefulness abroad.

Pointalize Final Thoughts

The Chase Freedom Flex® is a high-value no-annual-fee card for maximizers who don’t mind tracking categories. Paired with a Sapphire card, its rewards become even more powerful through Chase Ultimate Rewards®.

Read the full review (Coming Soon)

Citi Strata Premier℠ Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

10x points on hotels, car rentals, attractions via cititravel.com
3x points on air travel and other hotel purchases
3x points on dining, supermarkets, gas & EV charging
1x point on all other purchases

Intro offer: 60,000 points after $4,000 in purchases within the first 3 months

Annual fee: $95

Regular APR: 20.24% – 28.24% Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Rental Car Insurance, Travel Insurance

Visit issuer’s site directly See Rates & Fees

Pros

Earns up to 10X points on hotels, car rentals and attractions booked via Citi® Travel
3X points on air travel, restaurants, supermarkets, gas and EV charging stations
$100 annual hotel credit for a single hotel stay of $500 or more booked through Citi® Travel
No foreign transaction fees

Cons

Requires booking through Citi® Travel to maximize rewards
$95 annual fee and no first‑year waiver
Citi ThankYou transfer partners may not always provide the highest redemption value

Pointalize Final Thoughts

The Citi Strata Premier offers versatile ThankYou points and strong earning rates across travel and everyday categories. The 10X hotel and car rental earnings through Citi® Travel and 3X on dining, supermarkets, gas and flights make this a well‑rounded travel card. The $95 fee is reasonable for the benefits, though travellers must book through Citi’s portal to unlock its highest rewards.

Read the full review (Coming Soon)

Bilt Mastercard®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

3x Dining and Lyft rides (requires 5 transactions per month)
2x Travel purchases
1x Rent payments (up to 100,000 points per year)
1x All other purchases

Intro offer: Up to 100,000 points on rent in a calendar year

Annual fee: $0

Regular APR: 19.24 – 29.24 Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Cell Phone Protection, Rental Car Insurance, Travel Insurance

Visit issuer’s site directly See Rates & Fees

Pros

Earns 3X points on dining and Lyft and 2X points on travel after making five purchases each month
Allows renters to earn 1X points on rent payments without a transaction fee (up to 100K points per year)
No annual fee and no foreign transaction fees
Includes travel protections, cell phone insurance and primary rental car coverage

Cons

No standard welcome bonus for new applicants
Must make at least five purchases per month to earn rewards
Base earning rate is only 1X on most purchases

Pointalize Final Thoughts

The Bilt Mastercard is unique for letting renters earn transferable points on rent without paying extra fees. It also rewards dining and travel purchases at competitive rates and comes with useful travel and purchase protections — all for no annual fee. Although it lacks a traditional welcome bonus and requires at least five transactions per month to earn rewards, it can be a valuable everyday card for renters and frequent diners.