Credit Cards for Dining

Cards that pay a higher rate at restaurants, sometimes with dining credits.

Terms checked 30 September 2026 · read from issuer pages

4Cards compared

1No annual fee

8Issuers

9Card types

📬21 daysMinimum to pay the bill

🔔45 daysNotice of rate rises

💳COMPARE SMARTER

🆓1No-annual-fee cards

🏛️8Issuers compared

Card	Annual fee	Top rewards	Sign-up offer	APR	Foreign fee
American Express® Gold Card American Express · as of September 30, 2026	$325	4X points — Restaurants worldwide (up to $50K per calendar year)	Amex advertises a welcome offer of “as high as” 100,000 Membership Rewards points after $8,000 in purchases in the first 6 months; offers vary and you may not be eligible	See issuer	None
Chase Sapphire Preferred® Credit Card Chase · as of September 30, 2026	$95	5x points — Chase Travel	75,000 points after you spend $5,000 in purchases in the first 3 months from account opening	19.24% – 27.49% variable	None
Citi Strata Premier® Card Citi · as of September 30, 2026	$95	10 points per $1 — Hotels, car rentals and attractions booked on cititravel.com	See issuer	20.24% – 28.24% variable, based on creditworthiness	None
Savor Rewards from Capital One Capital One · as of September 30, 2026	$0	5% cash back — Hotels, vacation rentals and rental cars via Capital One Travel	$200 cash bonus once you spend $500 on purchases within the first 3 months from account opening	18.49% – 28.49% variable (after intro period)	None

What to look for

Check whether the dining rate applies to takeout and delivery.
Look for annual caps on the top rate.
Weigh any dining credits against the annual fee.

Cards are listed alphabetically, not ranked. See all cards.

Figures come from each issuer’s page (see the card page for the source link) and were checked on the date shown. Offers, rates and eligibility change often and the issuer’s terms control. “See issuer” = not shown on the issuer page we read. FinancePortal is not a card issuer and does not receive payment for the order of this list.