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Top dining credit cards of 2022

Capital One® Savor® Cash Rewards Credit Card

Generic card art

Chase Sapphire Reserve<sup>®</sup>

On Chase's Secure Website

Chase Sapphire Preferred<sup>®</sup> Card

On Chase's Secure Website

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If you've been spending a lot on dining lately, whether eating out or ordering delivery, you deserve to earn better rewards for it. With the best credit card for dining, you can save hundreds on food while enjoying exclusive perks like discounts, dining credits and even travel benefits.

We surveyed cards on ValuePenguin and top issuer sites to find credit cards that offer the best value on dining purchases. Whether you're looking to earn some extra cash back while eating out or you want to start stacking up travel rewards for your next vacation, you'll find the best credit cards for your restaurants on this list.

Compare the best dining credit cards of 2022

Card
Welcome Offer
Credit Needed
Annual Fee
Dining and entertainment
Capital One® Savor® Cash Rewards Credit Card
Generic card art
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening 660 - 850$95
Not available on ValuePenguin
Dining and travel
Chase Sapphire Reserve®
Chase Sapphire Reserve<sup>®</sup>
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.720 - 850$550
Apply Now
On Chase's Secure Website
Dining and travel (honorable mention)
Chase Sapphire Preferred® Card
Chase Sapphire Preferred<sup>®</sup> Card
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.720 - 850$95
Apply Now
On Chase's Secure Website
Compare all cards

Welcome Offer

Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Credit Score Needed

660 - 850
720 - 850

Annual Fee

$95
$550
Not available on ValuePenguin
Apply Now
On Chase's Secure Website

Best dining and entertainment credit card

Capital One® Savor® Cash Rewards Credit Card

Generic card art
Not available on ValuePenguin

Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening

$95

16.24% - 24.24% variable APR

660 - 850

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining, entertainment and popular streaming services, 3% cash back at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023.
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more

Earn unlimited 4% cash back on dining and entertainment

ValuePenguin's verdict

If there were ever the best credit card for eating out, and for entertainment junkies, the Capital One® Savor® Cash Rewards Credit Card is it. You can pile up rewards fast with this card if you spend a lot on food, since you Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases. The entertainment category covers everything from movies, sporting events and concerts to amusement parks, tourist attractions and purchases made at record stores, so folks who are frequently out on the town should be able to really milk this category.

The card also offers one of the more lucrative welcome bonuses when it comes to cashback cards. That being said, this card does come with a $95 annual fee, while plenty of other cashback cards have no annual fee — including the Capital One SavorOne Cash Rewards Credit Card, which, as the downgraded version of this card, earns a lower cash back rate on dining and entertainment and has a smaller welcome bonus and fewer benefits. To justify paying $95 per year for the cashback boost offered by the Capital One® Savor® Cash Rewards Credit Card, you'll need to spend close to $800 per month on dining and entertainment.

  • Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
  • Extended warranty protection
  • Travel accident insurance
  • Redeem rewards for online shopping with PayPal and Amazon
  • No minimum threshold for cashback redemptions
  • 0% foreign transaction fees
  • $95 annual fee
  • High APR


Best credit card for dining and travel

Chase Sapphire Reserve<sup>®</sup>

On Chase's Secure Website

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

$550

17.24% - 24.24% Variable

720 - 850

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Earns transferable points

Earn 3X points on both dining and travel

ValuePenguin's verdict

The Chase Sapphire Reserve® is a jetsetter's favorite, loaded with perks and benefits that can easily save you hundreds, if not thousands, every year. It's also the best dining credit card for frequent travelers thanks to the 3X points on both dining and travel. Chase also tacked on a 10-point bonus for purchases when it introduced it's new dining portal in 2021.

To help offset the hefty annual fee, you'll also get a $300 Chase annual travel credit.

Complimentary access to more than 1,000 airport lounges worldwide and extensive travel protections like trip cancellation insurance, lost and delayed baggage insurance and travel emergency assistance make this the perfect card for folks who want travel rewards and benefits. The Chase Ultimate Rewards program earns some of the most valuable points out there, worth 1.5 cents each for Chase Sapphire Reserve® cardholders when redeemed through Chase's travel portal or potentially even more when transferred to one of Chase's transfer partners.

Unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. (worth $1,000 in travel spending)
  • 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards®
  • $300 annual travel credit
  • Transfer points to 14 Ultimate Rewards airline and hotel partners
  • 50% bonus on points redeemed through the Ultimate Rewards® portal
  • Complimentary Priority Pass™ Select membership for access to more than 1,000 airport lounges worldwide
  • Primary rental car insurance
  • Robust travel protection and insurance
  • Extended warranty protection
  • $0 foreign transaction fees
  • $550 annual fee
  • High APR
  • Rewards worth significantly less when redeemed for cash


Honorable mention for dining and travel

Chase Sapphire Preferred<sup>®</sup> Card

On Chase's Secure Website

Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.

$95

16.24% - 23.24% Variable

720 - 850

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Earns transferable points

Earn up to 5X points on travel and 3X points dining at restaurants worldwide

ValuePenguin's verdict

If you're a traveler looking for the best card for eating out, the Chase Sapphire Preferred® Card is another excellent contender.

While its rewards on travel don't quite match those of the Chase Sapphire Reserve®, it is an equally rewarding choice for dining with a much lower annual fee. The card offers 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases. The 25% bonus on points redeemed through Chase's travel portal means your points are worth a whopping 1.25 cents each, and if you transfer them to one of Chase's airline or hotel transfer partners, you can squeeze even more value out of those points.

For a credit card with a $95 annual fee, this card also comes with some of the most generous travel protections out there — trip cancellation/trip interruption insurance, primary rental car insurance, baggage delay and lost luggage insurance, trip delay reimbursement and travel accident insurance.

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
  • 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases
  • Transfer points to 14 Ultimate Rewards® airline and hotel partners
  • 25% bonus on points redeemed through the Ultimate Rewards® portal
  • Primary rental car insurance
  • Robust travel protection and insurance
  • Extended warranty protection
  • $0 foreign transaction fees
  • $95 annual fee
  • High APR


Best dining cash back card

Chase Freedom Unlimited<sup>®</sup>

On Chase's Secure Website

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

$0

15.24% - 23.99% Variable

660 - 850

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Earn 3% on dining at restaurants and drugstores

ValuePenguin's verdict

If you're looking for the best dining credit card that earns cash back, the Chase Freedom Unlimited® is up there with the best of them. Along with the 3% back you'll earn on dining — including takeout and eligible delivery services — you'll get a bonus rate on a list of other categories including travel purchased through Chase Ultimate Rewards and drugstores.

Plus, an unlimited 1.5% back on all other purchases will help you stack your cash rewards even faster. The sign-up bonus is also generous and pretty obtainable, and you'll even get to take advantage of a 0% Intro APR on Purchases for 15 months on purchases (then a 15.24% - 23.99% Variable APR applies). Just make sure to pay off your balance before the intro period ends, or you'll get hit with sky-high interest fees.

  • Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
  • Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
  • 0% Intro APR on Purchases for 15 months on purchases (then 15.24% - 23.99% Variable)
  • Trip cancellation/interruption insurance
  • $0 annual fee
  • 0% Intro APR on Balance Transfers for 15 months (15.24% - 23.99% Variable APR thereafter). Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
  • High APR


Best dining and grocery credit card

American Express<sup>®</sup> Gold Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

$250

See Pay Over Time APR

660 - 850

  • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Earn 4X Membership Rewards® Points on Restaurants worldwide and 4X Membership Rewards® points at U.S. supermarkets

ValuePenguin's verdict

The American Express® Gold Card is the perfect middle-of-the-road rewards card if you're looking for the best dining credit card that offers a few premium perks without the steep annual fee. The high earn rate is extremely generous, and it includes takeout and delivery in addition to dining in. You'll also get that rate on up to $25,000 of grocery spending each year, which is one of the most generous spending caps of any card that offers groceries as a bonus category.

You can also earn up to $120 in dining credits — $10 in statement credits per month for purchases with Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, or participating Shake Shack locations (enrollment required). Additionally, you'll earn up to $120 in Uber Cash — up to $10 in Uber Cash per month for U.S. Uber rides or U.S. Uber Eats (once you load the card into the Uber app). You'll want to make sure you can maximize these benefits, as they play a significant role in offsetting the card's annual fee. Finally, the welcome offer gives you a chance to earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. That's easily worth $600-$1,200 in Membership Rewards points — more if you transfer your points to one of Amex's transfer partners.

Note, unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.

  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply.
  • Transfer points to more than 20 airline and hotel partners
  • Up to $120 in dining credits (enrollment required)
  • Up to $120 in Uber Cash. Your American Express® Gold Card needs to be added to your Uber app in order to receive this monthly Uber Cash benefit.
  • No foreign transaction fees
  • Terms apply
  • $250 annual fee
  • High APR
  • Terms apply

For rates and fees of American Express® Gold Card, please click here.


Best no-annual-fee dining credit card

U.S. Bank Altitude<sup>®</sup> Go Visa Signature<sup>®</sup> Card

Generic card art
Not available on ValuePenguin

Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

$0

15.74% - 24.74% (Variable)

660 - 850

  • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
  • 4X points on dining, takeout, and restaurant delivery.
  • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
  • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
  • 1X point on all other eligible purchases.
  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 15.74% - 24.74%.
  • No Annual Fee
  • Points never expire
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
  • Terms and conditions apply.

Earn 4X points on dining, including takeout and delivery

ValuePenguin's verdict

You'll be hard-pressed to find another no-annual-fee credit card that offers such a generous earn rate on dining as the U.S. Bank Altitude® Go Visa Signature® Card. Add on top of that the welcome bonus, worth $200, and points on groceries, gas and streaming, and you've got one of the best rewards cards for folks who want to keep their fees minimal.

You'll also get a $15 statement credit each year after 11 months of eligible streaming service purchases, which include most major platforms — Netflix, Hulu, Spotify, Apple Music, YouTubeTV, and more. The main drawback of this card is the high ongoing APR, but as long as you make sure to pay off your balance in full each month, you won't have to worry about that.

  • Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. (That's worth $200.)
  • Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
  • $15 annual credit for streaming services
  • Intro APR of 0% for 12 billing cycles on purchases and 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening, after which a 15.74% - 24.74% (Variable) APR applies.
  • None foreign transaction fees
  • $0 annual fee
  • High APR
  • Short 0% intro APR period


Honorable mention no-annual-fee dining credit card

Capital One SavorOne Cash Rewards Credit Card

On Capital One's Secure Website

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

$0

15.24% - 25.24% (Variable)

660 - 850

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
  • No foreign transaction fee
  • No annual fee

Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores

ValuePenguin's verdict

For foodies who are wary of paying an annual fee for a dining rewards credit card, the Capital One SavorOne Cash Rewards Credit Card is an excellent option, offering high rewards on dining and groceries. It also makes a great option for travel, since it doesn't charge a foreign transaction fee. While it's not the most rewarding dining rewards card out there, it's a winning option for those on a more limited budget.

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • $0 annual fee
  • Intro APR of 0% intro on purchases for 15 months (followed by a 15.24% - 25.24% (Variable) APR)
  • Intro APR of 0% intro on balance transfers for 15 months (followed by a 15.24% - 25.24% (Variable) APR). 3%
  • Foreign transaction fees: None
  • Extended warranty
  • Frequent diners can do score more rewards with an annual fee card, like the Capital One Savor

How to choose a dining credit card

Getting the right rewards card can save you hundreds of dollars per year. When choosing a dining credit card, make sure to look for features and benefits that match up with your spending habits and rewards goals.

Earning rate on dining purchases

If you know you spend a lot on dining, one of the first things you should look for is a high earn rate on dining purchases. Make sure this includes takeout and delivery if you tend to order out. Keep in mind that a credit card with an annual fee will typically offer a higher earning rate, but it's only worth it if you spend enough to outearn the annual fee.

Sign-up bonus

While it shouldn't be the only thing you look for, a generous sign-up bonus can help you jumpstart your rewards in just a few months. The bigger the bonus the better, as long as you can actually earn it. Pay attention to the minimum spending requirement, and if it's on the higher end, try to line up your application with months in which you know you'll be spending more than usual.

Other restaurant benefits

In addition to earning bonus points and cash back on dining, you can also look for credit cards that offer extra dining-related perks. Some come with dining credits that save you money with certain establishments, while others might get you special offers and discounts with a particular restaurant chain or food delivery service. As long as you can take advantage of these benefits, it's worth adding them to your list of features to look for.

Types of rewards

Rewards credit cards earn either cash back or points or miles, and it's crucial to know which you prefer before deciding on a card. Credit card points and miles tend to be best used for travel redemptions, making them less versatile than cash back rewards. That being said, you might be able to earn points and miles at a faster rate, so if you know you can use travel rewards, opting for a travel credit card that earns big on dining can make a lot of sense. If you're not sure whether or not you'll be able to redeem your rewards for travel, or you simply want a more straightforward rewards system, cash back might be right for you.

Annual fee

You'll want to decide whether or not you're willing to pay an annual fee. While it might seem silly to do so when there are plenty of rewards cards that don't charge an annual fee, credit cards with annual fees earn rewards at a faster rate and offer more wide-reaching benefits. Do the math to figure out if you spend enough to outearn the annual fee and if not, opt for the no annual fee version. For example, if paying a $95 annual fee will earn you an extra 2% back on dining, you'll have to spend at least $4,750 per year on dining to cancel out the annual fee.

What else will you purchase with the card?

You likely spend a lot in more than just one category, so finding a credit card with several bonus categories that match your purchasing habits is best. Cards that offer a bonus on dining tend to have secondary bonus categories like travel, gas, entertainment, or groceries, so choose whichever you spend the most in. You'll also want to minimize any fees, so if you travel internationally, go for a card that doesn't charge foreign transaction fees.

Foreign transaction fees

You'll want to avoid unnecessary fees if you travel abroad by either choosing a dining credit card that has no foreign transaction fees or using a different card while overseas.

How to make the most of a dining credit card

Once you find the best dining credit card, you can make the most of it by maximizing your rewards and minimizing the fees you pay.

Make the most of earning categories

At the very least, you'll want to use your dining credit card every time you dine out and on spending in any of the card's other bonus categories. You can simply use your dining credit card for all of your purchases, although it can be more strategic to rotate between two or three rewards cards depending on what you're buying, as long as you can keep track of your spending and payment due dates.

Watch out for limited time offers on dining

Many of the best cards for dining also offer limited-time promotions in which you can get bonus rewards when spending with certain partners, so pay attention to the emails you get from your card issuer.

Redeem your rewards wisely

Once you're stockpiling rewards, you'll want to make sure you know how to best redeem them. Cash back is fairly straightforward, although some credit cards have minimum thresholds for how much cash back you can redeem at once. If your card earns points or miles, learn the ins and outs of its rewards program and find the redemption options that offer the highest value for your rewards. This might be redeeming miles with a specific airline, booking travel or shopping through your card's portal, or transferring your points to one of your card issuer's transfer partners.

Don't charge more than you can pay off

Even if you find the best dining credit card and maximize your earnings, falling behind on your credit card payments or ending up with expensive interest charges will cancel out any rewards you reap. The most important way to minimize fees is to pay off your balance in full every month so that you never have to pay interest, especially because even the best credit card for dining out likely comes with a steep interest rate.

Recap of the best dining credit cards for 2022

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

For rates and fees of American Express® Gold Card, please click here.

The information related to Capital One® Savor® Cash Rewards Credit Card and U.S. Bank Altitude® Go Visa Signature® Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).