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Thursday, September 24, 2020

18 Best Credit Cards for Restaurants | Rewards & Cash Back (2020)

Best Credit Cards For Restaurants

credit card advice

Sean Garrity
By: Sean Garrity
Updated: November 14, 2019
Advertiser Disclosure

I’ve always considered myself a foodie. From the perfectly constructed burger to a beef tenderloin served with a truffle butter sauce, I welcome it all. And while I’ve become a pretty darn good home chef (if I do say so, myself), my family and I still enjoy going out for a meal together at least a few times a month. Foodie or not, one thing I think that we can all appreciate is having the ability to fill up on rewards while filling up our bellies.

If you’re looking for air miles, gas rebates, points and gifts, or just straight cash back, there is definitely a card out there for you. Everyone eats out, so why not make the most of the experience and earn perks while you dine.

We’ve put together a list of some of the best credit cards for restaurants, which diners can use to maximize rewards or cash back offers. Students, businesses, and people at any credit level can benefit from these cards. So, before you put on that lobster bib, be sure to check them out!

 Cash Back | Air Miles | Rewards
0% APR  | Businesses  | Students
Bad Credit  | Fair Credit  | No Credit

The Best Restaurant “Cash Back” Cards

Cash, everyone can use more of it. Food, well, I can always use more of it. If you’re anything like me, it’ll be a smart move to look into these cards that earn top billing for their large cash back multipliers and low APRs.

These cards give you the most cash back every time you eat out. So, even if you’re watching your weight and choosing healthy options, your wallet will still grow.

CASH BACK RATING

★★★★★

5.0

OVERALL RATING

5.0/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent
Chase Freedom Flex℠ Review

at the issuer'ssecure website

CASH BACK RATING

★★★★★

4.9

OVERALL RATING

4.9/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

+ See more cash back cards

The Best Restaurant “Air Miles” Cards

If you’re on vacation or travelling for business, odds are pretty good that you’re going to be dining out — a lot. Many savvy travelers make their credit cards pull double duty by using them to pay for their meals while simultaneously earning miles for their next trip. If you’re looking for miles, these cards should be at the top of your list.

AIR MILES RATING

★★★★★

5.0

OVERALL RATING

4.9/5.0
  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Redeem on travel—from vacation rentals to car rentals and more. Plus transfer your miles to over 10+ travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good

AIR MILES RATING

★★★★★

4.9

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • 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.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent

+ See more air miles cards

The Best Restaurant “Rewards” Cards

Obviously, diners not on the road can earn perks, too. Taking advantage of a restaurant rewards card is easy: just go out, eat a great meal, and let the gifts and rewards roll in. These are excellent choices for diners to earn points, gifts, and other perks while they eat.

POINTS & GIFTS RATING

★★★★★

4.9

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • 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.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent
Wells Fargo Propel American Express® Card Review

at the issuer'ssecure website

POINTS & GIFTS RATING

★★★★★

4.9

OVERALL RATING

4.8/5.0
  • Earn 3X points on eating out and ordering in; gas stations, rideshares, and transit; flights, hotels, homestays, and car rentals; and popular streaming services - all other purchases earn 1X points
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months
  • Introductory 0% APR on purchases and balance transfers for 12 months from account opening
  • No limit to points you can earn, and points don't expire as long as your account remains open
  • Cell phone protection helps protect your cell phone from damage or theft
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 12 months
14.49% - 24.99%
$0
Good/Excellent

+ See more points & rewards cards

The Best Restaurant “0% Intro APR” Cards

Diners looking to carry a balance can also find great cards that won’t break the bank. These cards have 0% introductory APRs, so you can treat your friends and family to a night out and not have to worry about racking up additional charges. So, go ahead and order dessert for everyone; they’ll love you for it.

0% INTRO APR RATING

★★★★★

4.9

OVERALL RATING

5.0/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

0% INTRO APR RATING

★★★★★

4.9

OVERALL RATING

4.8/5.0
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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 for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

+See more 0% Intro APR cards

The Best Restaurant “Business” Cards

Businesses need credit cards for a variety of reasons, but entertaining clients and keeping employees fed while on the road are probably the most common. These cards will  keep clients coming back and energize your workforce to stay on the grind. They’ll also pump money back into your business with their great cash back rewards.

BUSINESS CARD RATING

★★★★★

4.9

OVERALL RATING

4.8/5.0
  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99%-20.99% Variable
$95
Good/Excellent
Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★

4.9

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • 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 card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A
13.24% - 19.24% Variable
$0
Good/Excellent

+ See more business credit cards

The Best Restaurant “Student” Cards

Getting good grades? We have the cards for you. Students can get a nice statement credit for high GPAs each school year with some of our favorite student cards. They’re also perfect for dining out when that cafeteria meal plan has lost its luster.

STUDENT RATING

★★★★★

4.8

OVERALL RATING

4.2/5.0
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Be automatically considered for a higher credit line in as little as 6 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited
Bank of America® Cash Rewards Credit Card for Students Review

at the issuer'ssecure website

STUDENT RATING

★★★★★

4.8

OVERALL RATING

4.5/5.0
  • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings Learn more
  • 2% cash back at grocery stores and wholesale clubs, 1% cash back on all other purchases
  • You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • Earn a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
  • 0% introductory APR on new purchases and balance transfers for 12 billing cycles (3% balance transfer fee applies)
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 billing cycles
0% for 12 billing cycles
13.99% - 23.99%
$0
None/Limited

+ See more student credit cards

The Best Restaurant Cards for “Bad Credit” (<650)

If you’re looking for a card and have a less-than-ideal credit score, there’s no need to worry. Here are some of the best options to get you up and running if you’re trying to rebuild your credit. Prequalification is quick and easy, so you can start planning your night on the town right away.

BAD CREDIT RATING

★★★★★

4.8

OVERALL RATING

4.0/5.0
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad
Bank of America® Cash Back Secured Credit Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★★

4.8

OVERALL RATING

4.5/5.0
  • Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Unlimited 1% cash back on all other purchases
  • A minimum refundable security deposit of $300 (maximum of $4,900) is required to open this account
  • Access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.99%
$0
Bad/Limited

+ See more cards for bad credit

The Best Restaurant Cards for “Fair Credit” (651-700)

Diners with fair credit have access to some nice perks with these cards. Low APRs, cash back, and fraud protection are just some of the bonuses that come with them. The best thing about using these cards is that they’ll pave the way to an even more robust credit ranking.

FAIR CREDIT RATING

★★★★★

4.8

OVERALL RATING

3.8/5.0
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set.
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited

FAIR CREDIT RATING

★★★★★

4.8

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited

+ See more cards for fair credit

The Best Restaurant Cards for “No Credit” (0 Credit Score)

If your credit history is limited or nonexistent, these cards will provide a good jumping-off point. These cards will allow you to start out strong and build a healthy credit score while enjoying cash back bonuses and other perks.

NO/LIMITED CREDIT RATING

★★★★★

4.8

OVERALL RATING

3.8/5.0
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set.
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited
Surge Mastercard® Review

at Celtic Bank'ssecure website

NO/LIMITED CREDIT RATING

★★★★★

4.7

OVERALL RATING

4.1/5.0
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
25.90% - 29.99%
See website for Details
Bad, Poor Credit

+ See more cards for no credit

Eat to Live and Live to Eat with Rewards & Cash Back

You don’t have to be a foodie like me to get the biggest bang for your credit card buck at a restaurant. We all eat out from time to time, so why not add another side item to your meal in the form of big rewards?

Whether you’re a business traveler looking for miles, a connoisseur searching for the best Dim Sum, or just going out for pizza with the family, one of these cards is right for you. We all must eat to live, but we can also live to eat — especially when we’re getting paid for it.

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