Best Cards for Earning Points on Dining Out

If dining out, ordering takeout, or using delivery services is part of your routine, a dining rewards card can help you turn those meals into valuable points or cash back. The best dining cards offer high earning rates on restaurants, cafés, and even food delivery apps, making it easy to enjoy rewards with every meal. Some cards also come with dining credits and extra perks at popular restaurants, offering real value alongside the experience.

🏆 Best for restaurants

American Express® Gold Card

American Express® Gold Card

American Express® Gold Card

🏆 Best for restaurants

Annual Fee: $325

Rates & Fees
|
Terms Apply
60,000
Bonus Points
Earn 60,000 Membership Rewards® points after you spend $6,000 on your new Card in your first 6 months of Card Membership.
60,000
Bonus Points
Earn 60,000 Membership Rewards® points after you spend $6,000 on your new Card in your first 6 months of Card Membership.
The American Express Gold Card is a premium card that offers lucrative rewards for dining at U.S. restaurants and U.S. supermarkets, along with valuable travel benefits, making it an excellent choice for foodies and frequent travelers. While it does come with an annual fee, the card's combination of rewards and perks can provide substantial value to those who frequently dine out and travel.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Daily Drop's Most Popular Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

🏆 Daily Drop's Most Popular Card

Annual Fee: $95

Rates & Fees
|
Terms Apply
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Preferred card is a popular travel rewards credit card known for its excellent earning potential—we love it at Daily Drop! Cardholders can redeem their points for travel through the Chase Ultimate Rewards portal or transfer them to various airline and hotel loyalty programs for added flexibility.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for travel credits

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

🏆 Best for travel credits

Annual Fee: $550

Rates & Fees
|
Terms Apply
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Reserve® Card is a premium travel credit card tailored for frequent travelers seeking luxury perks and rewards. With a focus on travel benefits, this card offers a generous welcome offer, airport lounge access, travel statement credits, and valuable rewards through the Chase Ultimate Rewards program, making it an excellent choice for travelers.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for Gas Stations

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

🏆 Best for Gas Stations

Annual Fee: $95

Rates & Fees
|
Terms Apply
70,000
Bonus Points
LIMITED TIME OFFER
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
70,000
Bonus Points
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
The Citi Strata Premier is the latest and greatest card from Citi. It features solid earning rates on everyday spending categories such as air travel, hotel purchases, restaurants, supermarkets, gas, and even EV charging stations. With a low annual fee, we view it as a solid, mid-tiered card no matter if you like to earn rewards on travel or just on your everyday activities.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for Capital One Cash Back

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

🏆 Best for Capital One Cash Back

Annual Fee: $0

Rates & Fees
|
Terms Apply
$200
Cash Back
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
$200
Cash Back
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
The Capital One Savor card is tailored for foodies and entertainment enthusiasts, providing generous cash back on dining and entertainment purchases, making it perfect for those who love dining out and experiencing entertainment.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

Best Cards for Earning Points on Dining Out

If dining out, ordering takeout, or using delivery services is part of your routine, a dining rewards card can help you turn those meals into valuable points or cash back. The best dining cards offer high earning rates on restaurants, cafés, and even food delivery apps, making it easy to enjoy rewards with every meal. Some cards also come with dining credits and extra perks at popular restaurants, offering real value alongside the experience.

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Best Cards for Earning Points on Dining Out
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FAQs

🏆 Best for restaurants

American Express® Gold Card

American Express® Gold Card

American Express® Gold Card

🏆 Best for restaurants

Annual Fee: $325

Rates & Fees
|
Terms Apply
60,000
Bonus Points
Earn 60,000 Membership Rewards® points after you spend $6,000 on your new Card in your first 6 months of Card Membership.
60,000
Bonus Points
Earn 60,000 Membership Rewards® points after you spend $6,000 on your new Card in your first 6 months of Card Membership.
The American Express Gold Card is a premium card that offers lucrative rewards for dining at U.S. restaurants and U.S. supermarkets, along with valuable travel benefits, making it an excellent choice for foodies and frequent travelers. While it does come with an annual fee, the card's combination of rewards and perks can provide substantial value to those who frequently dine out and travel.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Daily Drop's Most Popular Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

🏆 Daily Drop's Most Popular Card

Annual Fee: $95

Rates & Fees
|
Terms Apply
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Preferred card is a popular travel rewards credit card known for its excellent earning potential—we love it at Daily Drop! Cardholders can redeem their points for travel through the Chase Ultimate Rewards portal or transfer them to various airline and hotel loyalty programs for added flexibility.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for travel credits

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

🏆 Best for travel credits

Annual Fee: $550

Rates & Fees
|
Terms Apply
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Reserve® Card is a premium travel credit card tailored for frequent travelers seeking luxury perks and rewards. With a focus on travel benefits, this card offers a generous welcome offer, airport lounge access, travel statement credits, and valuable rewards through the Chase Ultimate Rewards program, making it an excellent choice for travelers.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for Gas Stations

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

🏆 Best for Gas Stations

Annual Fee: $95

Rates & Fees
|
Terms Apply
70,000
Bonus Points
LIMITED TIME OFFER
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
70,000
Bonus Points
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
The Citi Strata Premier is the latest and greatest card from Citi. It features solid earning rates on everyday spending categories such as air travel, hotel purchases, restaurants, supermarkets, gas, and even EV charging stations. With a low annual fee, we view it as a solid, mid-tiered card no matter if you like to earn rewards on travel or just on your everyday activities.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for Capital One Cash Back

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

🏆 Best for Capital One Cash Back

Annual Fee: $0

Rates & Fees
|
Terms Apply
$200
Cash Back
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
$200
Cash Back
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
The Capital One Savor card is tailored for foodies and entertainment enthusiasts, providing generous cash back on dining and entertainment purchases, making it perfect for those who love dining out and experiencing entertainment.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

Personal Cards

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Business Cards

No items found.

Cash Back Cards

🏆 Best for Capital One Cash Back

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

🏆 Best for Capital One Cash Back

Annual Fee: $0

Rates & Fees
|
Terms Apply
$200
Cash Back
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
$200
Cash Back
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
The Capital One Savor card is tailored for foodies and entertainment enthusiasts, providing generous cash back on dining and entertainment purchases, making it perfect for those who love dining out and experiencing entertainment.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

Which Card is Right for You?

If dining out is your favorite way to treat yourself or your go-to for convenience, a card with elevated dining rewards is the way to go. Look for cards that give 3x to 4x points or more on dining, and see if they also offer extra perks like dining credits or travel benefits. Bonus points if the card earns well on other categories like groceries or travel!

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Other Ways to Earn

Eating out just got even better—now, you can earn major points or cash back every time you grab a bite. From casual takeout to fine dining, some cards let you earn 3x, 4x, or even 5x on dining purchases, making every meal a chance to stack rewards. Whether you're a foodie or just love the convenience of takeout, there’s a card to match your dining habits.

‍

Pros and Cons

Pros

[.pro] Earn high rewards on every restaurant meal, takeout, or delivery [.pro]

‍

[.pro] Great for foodies or those who frequently eat out [.pro]

‍

[.pro] Pairs well with cards that earn more on groceries and travel [.pro]

Cons

[.con] Rewards may not apply to certain types of food purchases (like bars or fast food) [.con]

‍

[.con] Limited earning potential if you don't eat out often [.con]

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FAQs

Does takeout or delivery count for dining rewards?

Yes, as long as the purchase codes as a dining or restaurant expense, takeout and delivery usually count.

‍

Do I get rewards at cafes and bars?

Many cards include cafes, coffee shops, and bars under the dining umbrella, but it can vary.

‍

Is there a cap on dining rewards?

Some cards cap the amount you can earn in dining rewards annually, but many do not.

‍

Authors

Written by: McKay Moffitt

Content Specialist

‍

Edited by: Tiffany Eastham

Writer & Editor 

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🏆 Best for Restaurants
Learn more
What's on this page
Best Cards for Earning Points on Dining Out
Best credit cards for business
Best credit cards for personal
Cards That Transfer to
Which Card is Right For You?
Other Ways to Earn
Pros & Cons
Related Videos
Related Ranked Lists
Browse Other Categories of Cards
FAQs