10 Best Credit Cards for Dining & Takeout in 2023 for Points, Rewards & Offers
What to look for in a restaurant credit card when dining out? The rewards structure is the most significant factor in deciding which credit card to use. Large spending limits are optional when dining out, so you don’t need significant spending limits beyond your traditional credit limit. And while you don’t mind if your credit card included luxury travel rewards, that wouldn’t be the main reason for a restaurant or restaurant credit card.
Top 10 credit cards for dining and takeout in 2023
1. The Amex Gold Card
Amex Gold Card is perfect for maximizing your earning potential at restaurants and restaurants. This is because he earns 4x Membership Rewards points for every $1 spent on a restaurant and U.S. grocery purchases (up to $25,000 per calendar year, then 1x after that). So whether you eat out or cook at home, you’ll be rewarded with tremendous rewards.
2. Chase sapphire reserve card
This card has a top-rate annual charge, and it is filled with similarly top-rate blessings that carry incredible prices for the everyday traveler. These encompass journey buy credits, the international front room gets admission, profits on journey purchases, and a kind welcome bonus.
3. The Capone Savor card
It is a foodie’s delight because it offers fantastic cashback rewards on various functional bonus categories.
To start, it usually offers a decent welcome bonus. But the unique feature of this card is that it earns unlimited cashback on all dining purchases and cash back at grocery stores; this card confers access to Capital One Dining, where you can arrange gourmet experiences created by renowned chefs and make appointments at upscale restaurants.
4. Citi Prestige® Card
Complimentary lounge access, a 4th complimentary hotel stay, annual travel credits, and influential points earning make the Citi Prestige Card a great choice.
The Citi Prestige card is among the most impressive ultra-premium credit cards, especially for dining out. But unfortunately, this card is a dying breed that can no longer be used for new uses.
However, this card is one of the top points for restaurant purchases as it gives you 5x thankyou points for every dollar spent on meals. The list of bonus categories is even more extensive.
5. The Hilton Business Amex card
It is an underrated credit card, especially if you love Hilton properties. This card has a 6-figure welcome bonus that will increase your points quicker than you know.
You can use this card at U.S. restaurants to earn more Hilton Honors points. This earning is uncapped, so you can earn unlimited points in U.S. restaurants this way.
6. American Express Blue Cash Preferred Card
American Express Blue Cash Preferred Card offers impressive and rewarding benefits. First, there are fantastic cashback rates on groceries, streaming services, gas, and transportation. Receive $6.50 on purchases up to $6,000 (1% back then) annually at U.S. supermarkets, $6.00 on U.S.U.S. streaming subscriptions, $3.00 on U.S.U.S. gas stations and transit, and 1% on everything else. The card has an annual fee of $95 (waived for the first year), but just spending $30.44 a week on groceries will get you more cashback than the annual fee. There is also a welcome cashback offer.
7. Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards card offers a hassle-free flat rate offering 1.25x more miles on every purchase and 5x more on hotels and car rentals. Capital One Travel also has a one-time bonus of 20,000 miles on purchases of $500 within three months of account opening. This is equivalent to $200 for travel. Rewards do not expire and can be redeemed as statement credits to cover travel purchases.
8. Wells Fargo Signed Card℠
The Wells Fargo Autograph Card offers one of the most significant welcome bonuses for a no-annual-fee card. For a limited time only, through January 10, 2023, a new card member can earn a welcome bonus of 30,000 points ($300 cash redemption value) after spending $1,500 in her first three months. Also, anyone who spends money regularly in these categories can earn unlimited points in popular categories like restaurants, travel, gas stations, public transportation, popular streaming services, and phone plans. Perfect for Also, he gets 1x on other purchases.
9.US Bank Altitude® Go Visa Signature
The Bank of America Altitude Go Visa Signature Card is an excellent option for those who eat out often and don’t want to pay an annual fee. As an introductory offer, spend $1,000 within the first 90 days of account opening to earn 20,000 bonus points. This is a $200 value that can be redeemed for merchandise, gift cards, cash back, and travel. For rewards, earn 4x points on eat-in, takeout, and delivery and 2x points on grocery stores, gas stations, E.V.E.V. charging stations, and streaming services. There is also a $15 credit for annual purchases of streaming services, a 0% introductory A.P.R. for 12 billing cycles, and a variable A.P.R. from 17.99% to 26.99%. Region Prestige Visa Signature
10. Chase Freedom Flex℠
The Chase Freedom Flex Card gives you a lot of flexibility regarding earning cashback awards that allow you to increase your earnings by monitoring and activating quarterly bonus categories. The standard rewards of 5% on travel purchases through Chase Ultimate Rewards, 3% on restaurant and drugstore purchases, and 1% on all other purchases are significant. Rewards can be redeemed for cash, gift cards, or travel through the Ultimate Rewards website, and rewards never expire. Also, get a $200 cash bonus when you spend $500 in the first three months. For a limited time, earn 5 cents on grocery purchases spent up to $12,000 in the first year (excluding Target and Walmart). Chase Freedom Flex has no annual fee.
FAQ’s
How do dining rewards credit cards work?
The credit card allows you to earn rewards such as cashback or points for using the card to pay for food at restaurants, outlets, etc.
How do cashback cards work?
You receive a portion of your overall spending as a cashback bonus from credit cards that offer cash back on dining expenses.
Do bars and fast-food cafes count as restaurants?
Yes, fast food bars and establishments are counted as restaurants when it comes to earning rewards for dining in.
10 Best Credit Cards for Dining & Takeout in 2023 for Points, Rewards & Offers
What to look for in a restaurant credit card when dining out? The rewards structure is the most significant factor in deciding which credit card to use. Large spending limits are optional when dining out, so you don’t need significant spending limits beyond your traditional credit limit. And while you don’t mind if your credit card included luxury travel rewards, that wouldn’t be the main reason for a restaurant or restaurant credit card.
Top 10 credit cards for dining and takeout in 2023
1. The Amex Gold Card
Amex Gold Card is perfect for maximizing your earning potential at restaurants and restaurants. This is because he earns 4x Membership Rewards points for every $1 spent on a restaurant and U.S. grocery purchases (up to $25,000 per calendar year, then 1x after that). So whether you eat out or cook at home, you’ll be rewarded with tremendous rewards.
2. Chase sapphire reserve card
This card has a top-rate annual charge, and it is filled with similarly top-rate blessings that carry incredible prices for the everyday traveler. These encompass journey buy credits, the international front room gets admission, profits on journey purchases, and a kind welcome bonus.
3. The Capone Savor card
It is a foodie’s delight because it offers fantastic cashback rewards on various functional bonus categories.
To start, it usually offers a decent welcome bonus. But the unique feature of this card is that it earns unlimited cashback on all dining purchases and cash back at grocery stores; this card confers access to Capital One Dining, where you can arrange gourmet experiences created by renowned chefs and make appointments at upscale restaurants.
4. Citi Prestige® Card
Complimentary lounge access, a 4th complimentary hotel stay, annual travel credits, and influential points earning make the Citi Prestige Card a great choice.
The Citi Prestige card is among the most impressive ultra-premium credit cards, especially for dining out. But unfortunately, this card is a dying breed that can no longer be used for new uses.
However, this card is one of the top points for restaurant purchases as it gives you 5x thankyou points for every dollar spent on meals. The list of bonus categories is even more extensive.
5. The Hilton Business Amex card
It is an underrated credit card, especially if you love Hilton properties. This card has a 6-figure welcome bonus that will increase your points quicker than you know.
You can use this card at U.S. restaurants to earn more Hilton Honors points. This earning is uncapped, so you can earn unlimited points in U.S. restaurants this way.
6. American Express Blue Cash Preferred Card
American Express Blue Cash Preferred Card offers impressive and rewarding benefits. First, there are fantastic cashback rates on groceries, streaming services, gas, and transportation. Receive $6.50 on purchases up to $6,000 (1% back then) annually at U.S. supermarkets, $6.00 on U.S.U.S. streaming subscriptions, $3.00 on U.S.U.S. gas stations and transit, and 1% on everything else. The card has an annual fee of $95 (waived for the first year), but just spending $30.44 a week on groceries will get you more cashback than the annual fee. There is also a welcome cashback offer.
7. Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards card offers a hassle-free flat rate offering 1.25x more miles on every purchase and 5x more on hotels and car rentals. Capital One Travel also has a one-time bonus of 20,000 miles on purchases of $500 within three months of account opening. This is equivalent to $200 for travel. Rewards do not expire and can be redeemed as statement credits to cover travel purchases.
8. Wells Fargo Signed Card℠
The Wells Fargo Autograph Card offers one of the most significant welcome bonuses for a no-annual-fee card. For a limited time only, through January 10, 2023, a new card member can earn a welcome bonus of 30,000 points ($300 cash redemption value) after spending $1,500 in her first three months. Also, anyone who spends money regularly in these categories can earn unlimited points in popular categories like restaurants, travel, gas stations, public transportation, popular streaming services, and phone plans. Perfect for Also, he gets 1x on other purchases.
9.US Bank Altitude® Go Visa Signature
The Bank of America Altitude Go Visa Signature Card is an excellent option for those who eat out often and don’t want to pay an annual fee. As an introductory offer, spend $1,000 within the first 90 days of account opening to earn 20,000 bonus points. This is a $200 value that can be redeemed for merchandise, gift cards, cash back, and travel. For rewards, earn 4x points on eat-in, takeout, and delivery and 2x points on grocery stores, gas stations, E.V.E.V. charging stations, and streaming services. There is also a $15 credit for annual purchases of streaming services, a 0% introductory A.P.R. for 12 billing cycles, and a variable A.P.R. from 17.99% to 26.99%. Region Prestige Visa Signature
10. Chase Freedom Flex℠
The Chase Freedom Flex Card gives you a lot of flexibility regarding earning cashback awards that allow you to increase your earnings by monitoring and activating quarterly bonus categories. The standard rewards of 5% on travel purchases through Chase Ultimate Rewards, 3% on restaurant and drugstore purchases, and 1% on all other purchases are significant. Rewards can be redeemed for cash, gift cards, or travel through the Ultimate Rewards website, and rewards never expire. Also, get a $200 cash bonus when you spend $500 in the first three months. For a limited time, earn 5 cents on grocery purchases spent up to $12,000 in the first year (excluding Target and Walmart). Chase Freedom Flex has no annual fee.
FAQ’s
How do dining rewards credit cards work?
The credit card allows you to earn rewards such as cashback or points for using the card to pay for food at restaurants, outlets, etc.
How do cashback cards work?
You receive a portion of your overall spending as a cashback bonus from credit cards that offer cash back on dining expenses.
Do bars and fast-food cafes count as restaurants?
Yes, fast food bars and establishments are counted as restaurants when it comes to earning rewards for dining in.
