Focused card guide

Best credit cards for dining

Compare personal cards in Cardwell’s catalog that reward restaurants, takeout, or food spending.

American Express Amex Gold credit card
American Express · personal

Amex Gold

1x–5x rewards$325 annual fee

4x at restaurants worldwide and U.S. supermarkets with caps, 5x prepaid hotels through Amex Travel, and 3x eligible flights.

Why it made this list: High earning on food spending for users who value Membership Rewards.

Capital One Savor credit card
Capital One · personal

Savor

1%–5% rewards$0 annual fee

3% on dining, entertainment, eligible streaming, and grocery stores; 5% on eligible Capital One Travel hotels, vacation rentals, and rental cars.

Why it made this list: A no-fee fit for food, entertainment and streaming-heavy budgets.

Chase Sapphire Preferred credit card
Chase · personal

Sapphire Preferred

1x–5x rewards$95 annual fee

5x through Chase Travel; 3x on dining, gas and EV charging, select streaming, online grocery, and eligible vacation-home rentals; and 2x on other travel.

Why it made this list: Transferable travel points and useful everyday categories at a moderate annual fee.

Review on Chase
Citi Strata Premier credit card
Citi · personal

Strata Premier

1x–10x rewards$95 annual fee

3x on air travel, other hotels, restaurants, supermarkets, and gas or EV charging; 10x on eligible Citi Travel bookings.

Why it made this list: Broad everyday and travel categories with transferable points.

Review on Citi
Chase Freedom Unlimited credit card
Chase · personal

Freedom Unlimited

1.5%–5% rewards$0 annual fee

1.5% on everyday purchases, 3% on dining and drugstores, and 5% through Chase Travel.

Why it made this list: Low-maintenance cash back with elevated dining and drugstore rewards.