50 Best Cards For: Dining/Restaurant | The Point Calculator

Best Credit Cards For

Dining & Restaurant Purchases

A list of 50 best credit cards for dining/restaurant purchases pulled from our database based on your spend. Cards update automatically. Compare results.


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If you're looking at this page, you may enjoy dining out just as much as I do. Earning a great return on dining is not something that's hard to do since it's a very popular credit card category.

Looking to earn on cards with no annual fee? If you have an extra $25,000 to $100,000+ laying around, you can invest your cash with Bank of America and their partners. Doing such will give you a 25% to 75% boost to points earned per $1 spent which gives you up to a 5.25% return on dining spend.

The Wells Fargo Propel AMEX is also another fee-less choice that also earns rewards on travel (including gas station) and streaming services spend. Wells Fargo Points can be worth up to 1.5 cents each which easily gives you a 4.5% return across all bonus category spend.

If you don't mind annual fees, then you must not mind earning extra rewards too. The AMEX Gold Card and Citi Prestige both have some serious price tags on them, but both cards come with annual credits that can easily make the card worth it if you have the dining/restaurant and other spend to support it. It'll also come down to how you redeem your points as well since AMEX Membership Rewards Points and Citi ThankYou Points can be transferred to airline/hotel rewards programs.

Category Calculator

Listed below are the best credit cards for the given category sorted by return. Some credit cards have a wide range of value due to having multiple redemption options that yield such. For example, you may be able to redeem a program's points for cash back at value of 0.5 cents each but redeeming the same points for travel could offer a value of 1.25 cents each. You don't want to pick up a card that has an annual fee that doesn't match up with how you plan on redeeming your rewards. That will give you a negative return and no one wants that. So be sure to research the value of points and miles to get an idea of how value they will have for you. Don't go by the return values listed below alone.

You can click on a card's Rewards Calculator button (where applicable) to calculate how much you can earn across all categories on the card based on your spend, how much you value the benefits of the card, and any annual fees including authorized user fees (if applicable). You'll also be able to compare the results side by side any other card featured on the site based on the same spend. And spend you enter into a credit card rewards calculator will carry over to other credit card calculators on the site.

Compare credit cards side by side based on spend, benefits, and fees.

You can click on the name of the rewards the card earns to learn more about earning, redeeming, and transferring rewards within that rewards program as well as other useful information such as elite status, buying/gifting rewards, and much more. These also pages features additional calculators that can lend a hand in determining if a program could be a good fit based on your spending habits.

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Re-Calculate to refresh the results.

Adjust Transferable Points

Credit cards that are part of the American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards, and Capital One Rewards programs will normally be towards the top of the list due to the value of transferring rewards to partners. Selecting this box will give these currencies their non-point transfer value. You will need to Re-Calculate after changing this option.

Bank (Holder)

The bank issuing the card.

Network

The network the card is tied to.

Card Type

The type of card such as co-branded airline cards, hotel cards, cruise line cards, etc.

Rewards Type

The type of rewards the card earns.

Personal/Business

Toggle switch for displaying personal and business cards. Card combos are also featured on this site (i.e. AMEX Trifecta, Chase Trifecta).

Annual Fee (Range)

The range of fees you're willing to pay to wield such cards.

Foreign Transaction Fee

The percentage of fees you'll pay on the dollar when you use the card outside of it's region.

Region

The region that the card is offered in. Credit cards from other regions are featured on this site, but for now this is set to USA only.

Results

Do note that results may take a few seconds to generate after doing a search.
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Page Last Updated: 2020-02-23
Written By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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