Best Credit Cards for Restaurants and Dining in November 2024

The card_name offers a lot for dining purchases. The card earns 4x points in the top two earning categories, which may include dining purchases. The elevated sign-up bonus of 125,000 Membership Rewards Points after spending $10,000 in the first three months of account opening is a generous way to start earning rewards.

Introductory Offer:

• Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

Card Rewards:

• Earn 4X Membership Rewards® points in the two categories where your business spends the most each billing cycle, chosen from six eligible categories.
• While your top two spending categories might change, you’ll earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (after which you'll earn 1X points).
• Only the top two categories from each billing cycle will count toward the $150,000 cap.
• You can earn 3X Membership Rewards® points on flights and prepaid hotels booked through amextravel.com when using your Business Gold Card.

Fees:

• Annual fee: annual_fees
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

The Citi Custom Cash® Card earns 5% on your top eligible earning category. If you use the card primarily for dining purchases, you’ll be sure to earn the full 5% cash back. The card doesn’t charge an annual fee and even has an introductory balance transfer offer of 0% interest for 15 months.

Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  
  Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash® Card account per person.

The card_name has a steep annual_fees annual fee, but it’s also packed with benefits—one of which is a generous $200 in Uber Cash. It comes as $15 credit each month, plus a $20 bonus in December for orders in the U.S.

This card also comes with a $200 hotel credit, $200 airline credit, $240 digital entertainment credit, $100 in statement credits for Saks Fifth Avenue, lounge access, $155 Walmart Plus credit, and many other benefits.

Introductory Offer:

• Earn 80,000 Membership Rewards® Points after spending $8,000 on purchases within the first 6 months of Card Membership. Apply and choose your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

Card Rewards:

• 5X Membership Rewards® Points for flights booked directly with airlines or through American Express Travel, up to $500,000 per calendar year.
• 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Additional Benefits:

• $200 Hotel Credit: Receive up to $200 back in statement credits annually on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases with your Platinum Card® for services like Disney+, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after paying with your Platinum Card®. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and receive up to $200 in statement credits per calendar year for incidental fees charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status are available to Basic Card Members only. Terms apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership or club membership when you pay with your Platinum Card®. Enrollment required.
• $189 CLEAR® Plus Credit: Get up to $189 back per calendar year on your CLEAR Plus Membership when you use your Platinum Card®. Learn more.
• $100 Global Entry Credit: Receive a $100 statement credit every 4 years for a Global Entry application fee or up to $85 every 4.5 years for a TSA PreCheck® application fee when charged to your Platinum Card®. Approved Global Entry members also receive TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required. Enrollment required.
• Global Dining Access by Resy: Unlock exclusive reservations and special dining experiences when you add your Platinum Card® to your Resy profile.

Annual Fee: $695.

Terms apply.

The cash back for restaurant purchases on the card_name is 3%. And, it’s unlimited. Whenever you need to eat on the go, it’s always earning rewards.

The card also earns 3% back on entertainment, grocery stores (excluding superstores like Walmart® and Target®), and streaming services. There is a annual_fees annual fee and new cardholders bonus_miles_full.

Introductory Offer:

• Receive a $250 cash bonus after spending $500 on purchases within the first 3 months from account opening.
• Benefit from a 0% introductory APR on purchases and balance transfers for 15 months. After that, a variable APR of 19.74% - 29.74% applies. Note that balance transfer fees may apply.

Card Rewards:

• Get 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®). Plus, earn 1% cash back on all other purchases.
• Enjoy 8% cash back on Capital One Entertainment purchases.
• Earn 5% cash back on hotels and rental cars booked through Capital One Travel. Capital One guarantees the best prices on thousands of trip options. Terms apply.
• No need to worry about rotating categories or sign-ups to earn rewards. Cash back won't expire for the life of the account, and there's no cap on earnings.

Additional Details:

• No foreign transaction fees.
• No annual fee.

The Citi Strata Premier℠ Card is a strong earner for a number of categories. The card earns 3x points on restaurants, gas, flights, supermarkets, and other hotel purchases. The annual fee is $95 and the card earn 70,000 bonus ThankYou Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Cititravel.com portal.

• Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

The card_name isn’t known for its dining bonus, but it still earns 2x points on all dining expenses. The big plus is that you can also earn 5% back at office supply stores on the first $25,000 spent. It doesn't have an annual fee and you bonus_miles_full.

Introductory Offer:

• Earn $350 when you spend $3,000 on purchases in the first three months, and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
• 0% introductory APR for 12 months on purchases

Card Rewards:

• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
• Earn 1% cash back on all other purchases.

Additional Benefits:

• Zero Liability: You won’t be held responsible for unauthorized charges made with your card or account information.
• Annual Fee: None.
• Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards®.

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

The card_name is an impressive rewards earner for travel and everyday purchases. It earns 4x points on restaurants, groceries, and flights, and 1x on all other purchases. The new member will bonus_miles_full. It also comes with $120 in dining credits, which can be used on purchases at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations.

Introductory Offer:

• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Card Rewards:

• 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.

Additional Benefits:

• $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: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Discover more than 1,000 luxury hotels globally with The Hotel Collection and enjoy a $100 credit for eligible expenses with every booking of two nights or more via AmexTravel.com. Eligible expenses differ by property.
• Choose the color that suits your style. Gold or Rose Gold.

Fees:

• No Foreign Transaction Fees.
• Annual Fee is $325. Terms Apply.

The card_name is one of the top rewards cards for its earning potential and valuable redemptions. With the card_name, cardholders earn 3x points on dining and delivery services, and 10x points when dining is purchased through the Chase Ultimate Rewards program. The DoorDash benefits include $0 deliveries and $5 in statement credit each month. Other benefits include a $300 annual travel credit, airport lounge access, statement credit for TSA PreCheck® or Global Entry, 10x points on Lyft rides and Peloton equipment, and free membership for Instacart for a year.

Introductory Offer:

• Earn 60,000 bonus points after spending $4,000 on purchases within the first 3 months from account opening and redeem them through ChaseTravel℠ for $900 toward travel.

Card Rewards:

• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ after the first $300 is spent on travel purchases annually.
• Earn 3x points on other travel and dining, and 1 point per $1 spent on all other purchases.

Additional Benefits:

• Annual Travel Credit: Receive $300 as reimbursement for travel purchases charged to your card each account anniversary year.
• Get 50% more value when you redeem points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• Get complimentary access to DashPass that comes with $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Point Transfer: 1:1 point transfer to leading airline and hotel loyalty programs.
• Airport Lounge Access: Access to 1,300+ airport lounges worldwide after a one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®.
• Travel Protections: Includes Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, and more.

Member FDIC

The card_name (annual_fees annual fee) offers a rich rewards package for much less than the card_name (annual_fees). As far as dining purchases go, the card earns 3x points on dining, takeout, and delivery. It earns 5x points on travel purchased through Chase Ultimate Rewards, 3x points on online grocery purchases, 3x on select streaming services, and 2x points on all other travel purchases. It also delivers DoorDash benefits (though no statement credits).

Introductory Offer:

• Earn 60,000 bonus points after spending $4,000 on purchases within the first 3 months from account opening.

Card Rewards:

• 5x points on travel booked through Chase Travel℠.
• 3x points on dining, select streaming services, and online groceries.
• 2x points on all other travel purchases.
• 1x points on all other purchases.

Additional Benefits:

• $50 Annual Chase Travel Hotel Credit and more.
• Get 25% more value when redeeming points for airfare, hotels, car rentals, and cruises through Chase Travel℠. For instance, 60,000 points are worth $750 toward travel.
• Trip Cancellation/Interruption Insurance
• Auto Rental Collision Damage Waiver
• Lost Luggage Insurance
• Complimentary DashPass Access: Enjoy $0 delivery fees and lower service fees for at least one year when activated by December 31, 2027.

Member FDIC

The U.S. Bank Altitude® Go Visa Signature® Card offers 4x points on dining, takeout and restaurant delivery. In addition, the card earns 2x points on grocery purchases, streaming subscriptions, gas, and EV charging stations. There is no annual fee and you can earn a 20,000 point bonus by spending $1,000 in the first 90 days of account ownership.

• Earn 20,000 bonus points. Just spend $1,000 in the first 90 days. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more. Points never expire.
• Earn 4X points on dining, takeout and restaurant delivery.
• Earn 2X points on streaming services, at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024) and at gas stations/EV charging stations (discount stores/supercenters, grocery stores and wholesale clubs excluded effective September 9, 2024).
• Earn 1X point on all other eligible purchases.
• No annual fee and low intro APR: Enjoy no annual fee and get 0% intro APR* on purchases and balance transfers† for the first 12 billing cycles. After that, a variable APR applies, currently 18.24% to 29.24%.*
• No foreign transaction fees.
• Receive a new cardmember $0 fee offer* on ExtendPay Plans opened in the first 60 days after account opening.
• Get a $15 credit for annual streaming service purchases like Netflix, Apple TV+, Spotify® and more.