Best Credit Cards for Dining & Restaurants
Restaurants, cafes, food delivery, and eating places
5
2x Miles (2 MPD)
4000
Quick Answer
The best credit card for dining & restaurants is Capital One Venture X
Why: 2x Miles (2 MPD) with no cap. No restrictions
Earns 2x on everything, 5x on travel via Capital One Travel portal. $395 annual fee.
Top Cards for Dining & Restaurants
Capital One Venture X
No restrictions
Note: Earns 2x on everything, 5x on travel via Capital One Travel portal. $395 annual fee.
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Citi Double Cash
No restrictions
Note: Earns 2% on everything (1% purchase + 1% payment). No annual fee.
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Chase Sapphire Reserve
Included in whitelist
Note: Earns 3x on travel and dining. $550 annual fee.
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Chase Freedom Flex
Included in whitelist
Note: Rotating quarterly categories (must activate). No annual fee.
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US Bank Altitude Go
Included in whitelist
Note: Earns 4x on dining and restaurant purchases. No annual fee. $25 annual dining credit.
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Choose Based on Your Spending
Light Spender
Under $500/month
Best:
Capital One Venture X
No need to worry about caps with light spending
Moderate Spender
$500-2,000/month
Best:
Citi Double Cash
Balance between rate and cap utilization
Heavy Spender
Over $2,000/month
Best:
Chase Sapphire Reserve
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.