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.
Best Cards By Category Calculator
The Best Credit Cards By Category Calculator below will find the best credit cards for the listed categories based on your spend and the filter options selected. This will output a list of up to 50 credit cards sorted by total return.
I recommend using the Rewards Calculator which allows you to compare results side by side other cards, factor in sign up bonuses, add authorized users, select elite status (hotel cards), and much more.