Whether you’re the type of person who likes to linger over a three-course meal or grab takeout at the end of a long day, you deserve to be rewarded for your restaurant spending. The average American household spends a little over $260 every month on dining out, according to the Bureau of Labor Statistics — and if that number looks more like what you might spend on a single night out, it’s definitely time to sign up for one of the best credit cards for restaurant rewards.
Capital One® Savor® Cash Rewards Credit Card
Capital One recently refreshed its Savor® Rewards card with some perks that should be pretty enticing to frequent diners, chiefly, an unlimited 4% cash back on both restaurant and entertainment spending. A lot of credit cards put a limit on the number of high-level rewards they’ll give out, so an unlimited 4% cash back is a really good deal. For every $1,000 you spend on restaurants or entertainment, that’s $40 back in your pocket.
But that’s not the only reward the Savor card has to offer. You’ll also get an unlimited 2% cash back on grocery stores. This deal excludes superstores like Walmart and Target, but it’s still a great way to earn cash back — especially if you’re the type of foodie who enjoys cooking as much as you enjoy dining out.
You’ll get 1% cash back on all other purchases, and new cardholders get an additional $500 cash back after spending $3,000 in the first three months of card ownership.
The Savor® Rewards card does have a $95 annual fee, though the fee is waived for your first year. To learn more, read our complete Savor® Rewards card review.
- Rewards: 4% cash back on dining and entertainment, 2% cash back at grocery stores, 1% cash back on all other purchases.
- Sign-up bonus: $500 cash back after spending $3,000 in the first three months of card ownership.
- APR: 16.24%-25.24% variable (depending on your creditworthiness).
- Annual fee: $0 for the first year, then $95.
Editors take: It doesn’t get much better than this for food-lovers. For the right cardholder, the refreshed Savor card packs a ton of rewards value. The high 4% cash back rate on restaurant and entertainment spending will more than make up for the annual fee in the majority of cases.
Uber Visa Card
Uber launched its first branded credit card in 2017, and the Uber Visa Card comes with some serious rewards: 4% cash back on dining, 3% cash back on airfare and hotels, 2% cash back on online purchases, and 1% cash back on all other purchases. All cash back rewards are unlimited and can be redeemed for cash, gift cards, or Uber credits — making this card an ideal choice for someone who books Uber rides as often as they book restaurant and hotel reservations.
The 4% cash back on dining also includes purchases through UberEats, if you’re the kind of person who prefers your food delivered. The Uber Visa Card is great for all kinds of online purchases, really; not only do you get the 2% cash back reward when you shop online, but cardholders who put $5,000 on their card in the first year of ownership also get a $50 credit to spend on online subscriptions. Might as well enjoy some Netflix with that UberEats delivery!
New cardholders also get $100 cash back after spending $500 in the first 90 days of card ownership, and the Uber Visa Card does not come with an annual fee. To learn more, read our full Uber Visa Card review.
- Rewards: 4% cash back on dining, 3% cash back on airfare and hotels, 2% cash back on online purchases, 1% cash back on all other purchases.
- Sign-up bonus: $100 cash back after spending $500 in the first 90 days of card ownership.
- APR: 16.74%–25.49% variable (depending on your creditworthiness).
- Annual fee: $0
Editors take: The Uber visa card surprised a lot of people when it was announced last year with its generous rewards and introductory offer, all for no annual fee. The 3% back on hotel and airfare makes this an ideal card for foodies who like to travel, especially because you still earn rewards on purchases made outside of the U.S. and the card charges no foreign transaction fees.
US Bank Cash+™ Visa Signature® Card
The US Bank Cash+™ Visa Signature® Card lets you choose your high-level rewards categories. You’ll get 5% cash back on up to $2,000 per quarter in purchases from one of eleven categories, as well as an unlimited 2% cash back on purchases in one of three categories. All other purchases earn 1% cash back.
Unfortunately, “restaurants” isn’t one of the eleven categories that earns 5% cash back — but “fast food” is. Plus, you can choose “restaurants” as your unlimited 2% cash back category. Put $2,000 towards fast food every quarter and you’ll get $400 cash back by the end of the year; put an additional $2,000 towards non-fast-food restaurants every quarter and you’ll get an additional $160. It’s a good card for anyone who enjoys fast food as much as they enjoy fine dining.
New cardholders also earn $150 cash back after spending $500 in the first 90 days of card ownership, and the US Bank Cash+ Visa Signature® Card doesn’t charge an annual fee. To learn more, read our US Bank Cash+ Visa Signature® Card review.
- Rewards: 5% cash back on two categories of your choice for the first $2,000 in purchases per quarter; 2% cash back on one category of your choice; 1% cash back on all other purchases.
- Sign-up bonus: $150 cash back after spending $500 in the first 90 days of card ownership.
- APR: 15.74%–24.74%variable APR on purchases; $0 APR on balance transfers for 12 billing cycles, then 15.74%–24.74%variable APR.
- Annual fee: $0
Editors take: If you’re willing to put in a bit of time to work the categories for this card it’s very rewarding. The ability to adjust the rewards structure to get the highest cashback rate on up to $2,000 for your biggest expense category could maximize your returns. It doesn’t matter if your grocery expenses pail in comparison with your fast-food bills, you can get the highest rewards where you need it most.
Discover it® Cash Back
The Discover it® Cash Back card offers 5% cash back on rotating categories for up to $1,500 in combined purchases per quarter, as well as 1% cash back on all other purchases. Restaurants are on the Discover rotating category list through September 30; to see what else is coming up, check out our guide to Discover it® Cash Back Bonus Categories.
Discover’s 5% cash back offer is pretty enticing, especially for a no-annual-fee card, but the $1,500 quarterly spending limit — and the fact that restaurants won’t always be a featured 5% cash back category — means that you might get more restaurant rewards from one of the other cards on our list.
However, there’s one other factor to consider: the Discover Cashback Match. At the end of your first year as a cardholder, Discover will match all of the cash back you earned during that year. If you spend $1,500 on 5% cash back bonus categories every quarter, you’ll earn $75 per quarter or $300 total — and Discover will match that, giving you an additional $300 cash back (plus any additional cash back you’ve earned from your 1% purchases).
If you want to learn more, read our detailed Discover it® Cash Back card review.
- Rewards: 5% cash back on rotating categories for the first $1,500 in combined purchases per quarter; 1% cash back on all other purchases.
- Sign-up bonus: Discover will match the cash back you earn during your first year of card ownership.
- APR: 0% intro APR for 14 months on purchases and balance transfers, then 13.74%–24.74% variable APR.
- Annual fee: $0
Editors take: The Discover Cash Back match really juices the returns for this card in the first year. The card’s rotating bonus categories are often areas you would be spending in any way — like restaurants or grocery stores — and Discover lets you know what categories are coming up so you can plan any large purchases to maximize returns.
Chase Sapphire Reserve
The Chase Sapphire Reserve is a travel rewards card — and restaurants are often a major part of travel! Cardholders get 3 points per dollar on travel and dining purchases, as well as 1 point per dollar on all other purchases.
Three points per dollar isn’t a lot, compared to the other cards on our list, but Chase Sapphire Reserve cardholders can redeem their points for 1.5 times their value if they use those points to book travel through Chase Ultimate Rewards. That means you’re actually getting 4.5 points per dollar, which is the equivalent of a 4.5% cash back rate as long as you redeem those points for travel through Chase Ultimate Rewards.
The Chase Sapphire Reserve card comes with a $450 annual fee. It also comes with some significant perks: a $300 annual travel credit, complimentary Priority Pass™ Select membership (which gets you access to over 1,000 airport lounges), a Global Entry/TSA PreCheck fee credit, and more. Read our full Chase Sapphire Reserve review to learn whether it’s the right card for you.
- Rewards: 3x points on travel and dining, 1x point per dollar on all other purchases.
- Sign-up bonus: 50,000 bonus points after spending $4,000 in the first three months of card ownership.
- APR: 17.74%–24.74% variable APR.
- Annual fee: $450, plus $75 for each authorized user.
Editors take: If you’re clocking a lot of miles and enjoy fine dining this card’s 3x rewards points will quickly stack up. Benefits like airport lounge access and travel credit make it a must-have addition to your wallet for jet-setters.
Author: Nicole Dieker | Last Updated: September 4, 2018
Author Spotlight: Nicole Dieker is the editor of The Billfold and has five years of experience in personal finance coverage. You can find Nicole on Twitter @HelloTheFuture.