Best Credit Cards For
Grocery & Dining Purchases
A list of 50 best credit cards for dining and grocery purchases based on your spend, pulled from a database of 250+ cards. Compare results side by side.
Whether you're grabbing food from your local grocery store or your local fast food joint, you'll want to make sure you're getting the most out of your money. There's not tons of cards that earn rewards across both categories, but you can still earn a solid return with a few of the top grocery cards.
One of the best credit cards for grocery and dining purchases is the American Express Gold Card. It earns 4x across both categories which is an easy 4% return up to a 8%+ return when transferring points to AMEX's travel partners. It has a $250 price tag, but it comes with an annual $100 towards airline incidentals and $120 in dining credits split up int $10 per month.
While the AMEX Everyday Preferred doesn't earn a high rate on restaurant spend, it does offer the highest rate of up to 4.5x on grocery if you make 30 transactions during a statement period. You can earn up to 1.5x on non-category purchases which is not bad. The Preferred has a $6,000 spend cap on grocery, so if you spend more than $500 per month this card will not be the best of choices.
If you crave cash back, the rewards and returns will be slightly lower. The Bank of America Cash Rewards Card offers the ability to earn between 3% and 5.25% cash back on a single category of your choosing. The more money you have invest with Bank of America, the higher amount of cash back you will receive. Other great no-annual fee options consist of the Capital One Savor One Card and PNC Cash Rewards Card in which both cards earn 3% back on dining and 2% back on grocery.
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.
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.
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.
Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.
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.
The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.