Best Credit Cards for Dining & Restaurants
Restaurants, cafes, food delivery, and eating places
10
5% cashback
Quick Answer
The best credit card for dining & restaurants is Chase Chase Freedom Flex
Why: 5% cashback with no cap. Chase Travel portal
Rate requires specific conditions: purchase channel not provided
Top Cards for Dining & Restaurants
Chase Chase Freedom Flex
Chase Travel portal
Note: purchase channel not provided
Rank
Chase Chase Sapphire Preferred
Chase Travel portal
Note: purchase channel not provided
Rank
Capital One Capital One Venture X
Capital One Entertainment
Note: purchase channel not provided
Rank
U.S. Bank U.S. Bank Altitude Go
Dining, takeout, and restaurant delivery
Rank
American Express Amex Gold
Restaurants worldwide
Rank
Choose Based on Your Spending
Light Spender
Under $500/month
Best:
Chase Chase Freedom Flex
No need to worry about caps with light spending
Moderate Spender
$500-2,000/month
Best:
Chase Chase Sapphire Preferred
Balance between rate and cap utilization
Heavy Spender
Over $2,000/month
Best:
Capital One Capital One Venture X
Maximize rewards with card pairing strategy
Understanding Dining & Restaurants MCC Codes
Dining & Restaurants includes the following Merchant Category Codes (MCC):
Expert Tips for Dining & Restaurants
Maximize Monthly Caps
Most cards have monthly caps. Plan your spending to hit the cap without going over.
Consider Card Pairing
Use 2-3 cards to cover different categories and maximize overall rewards.
Check Online vs On Site
Some cards only work for online or offline transactions. Verify before spending.