Are you spending too much on food? Today’s values may have shifted quite a bit with a variety of consumers that just find the satisfaction in eating out. Whether it means convenience or practicality to you, just know that you’re not alone which is why it’s completely necessary to give you the best options and maximize your dining-out spend. There’s a wide array of cards out there suitable to providing you with an attractive 3x or more, so take advantage of our list and reap the lucrative rewards that works best for you!
BONUS LINK | OFFER | REVIEW |
Chase Business Complete Checking® | $300 or $500 Cash | Review |
Chase Private Client | $3,000 Cash | Review |
Chase Total Checking® | $300 Cash | Review |
Chase College CheckingSM | $100 Cash | Review |
J.P. Morgan Self-Directed Investing | Up To $700 Cash | Review |
Chase Secure BankingSM | $100 Cash | Review |
Chase Sapphire Reserve Card – 3x Cash Back:
One of the most attractive aspects of the Chase Sapphire Reserve is the 3X on Travel and Dining which could very well be the most valuable restaurant spend point earning of all time. Now, it’s a no-brainer that this card would appear on a Best Credit Card for Restaurant spending list, however, a $450 annual fee is pretty hefty (You may be able to offset the annual fee with the $300 Travel Credit). Definitely a better option for those of you that spend heavy on travel or restaurants!
Chase Sapphire Reserve Card Summary:
- Apply Now
- Spending Rate: 3x on Dining & Travel
- Maximum Bonus: 100,000 UR Points (until January 12)
- Spending Requirement: You must spend $4,000 on purchases in the first 3 months from account opening
- Annual Fee: $450, not waived for the first year
- Bonus Worth: The 100K points alone is worth $1250 towards airfare/hotel.
U.S. Bank FlexPerks Gold American Express Card– 3% Cash Back:
The U.S. Bank FlexPerks Gold American Express Card offers an attractive 3X the points on restaurant spend, 2 times on gas stations and airlines and 1 times the points on all other purchases. Not only that but points are worth up to 2 cents a piece when redeeming for airlines and 1.5 cents when redeeming for hotels. Assumingly enough, the FlexPerks Gold Card can very well give you a worth of up to 6% cash back on your restaurant spend depending on your redemption.
U.S. Bank FlexPerks Gold American Express Card Summary:
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- Spending Rate: 3x on Restaurant
- Maximum Bonus: 30,000 FlexPoints
- Spending Requirement: Spend $2,000 within 4 months
- Annual Fee: $85
- Bonus Worth: The 30,000 FlexPoints has a maximum value of $600
- Expiration Date: None
- Additional Advice: None
Citi Costco Anywhere Visa Credit Card – 3% Cash Back:
With the Citi Costco Anywhere Visa Card, you earn 4% cash back on all Costco gas stations worldwide, for the first $7,000 per year and then 1% thereafter, 3% Cash Back on restaurant and eligible travel purchases worldwide and 1% cash back on all other purchases. Not only that, but there is no annual fee and no limits attached. Keep in mind that redeeming your points for cash will reduce your rewards worth.
Citi Costco Anywhere VISA Summary:
- Apply Now
- Spending Rate: Earn up to 3x points Restaurants
- Annual Fee: None
- Expiration Date: None
- Additional Advice: Cash back will be provided as an annual credit card reward certificate in February billing statements, redeemable for cash or merchandise at US Costco Warehouses.
Chase AARP Visa – 3% Cash Back:
You will get 3% cash back on restaurant spending (3% on gas stations as well) with your Chase AARP® Credit Card. This card offers a flat cash back with no annual fee or limits attached. If you are 50 years or age or older, you will be able to reap the most benefits out of your AARP membership. This card is available to the public and to anyone who meets the credit score/qualification criteria with AGE not being one of them.
Chase AARP Credit Card Summary:
- Apply Now
- Spending Rate: 3% cash back on restaurants and gas stations.
- Maximum Bonus: $200 cash back
- Spending Requirement: $500 in 3 months.
- Annual Fee: None
- Expiration Date: None
- Additional Advice: No earning caps and rewards do not expire as long as your account is open.
Sam’s Club MasterCard – 3% Cash Back:
Sign up today for the Sam’s Club MasterCard and you can start earning up to 5% cashback. With this card you can look forward to earning 5% cashback on gas(on first $6,000 per year in purchases, then 1% on purchases after), 3% cashback on dining and travel, and 1% cashback on other purchases. All on top of no annual fee!
Now, keep in mind that you will be capped at a maximum $5,000 cash back in a calendar year. Points are worth up to 2¢ a piece when redeeming for airline and 1.5¢ when redeeming for hotels. If you are able to easily cap your calendar spend at $5,000 cash back, you may want to try out the U.S. Bank FlexPerks Gold American Express Card.
Sam’s Club MasterCard Summary:
- Apply Now
- Spending Rate: 3% cash back on restaurants and 3% on all travel expenses, 5% on gas stations ($6,000 spending limit) as well.
- Annual Fee: None
- Expiration Date: None
- Additional Advice: You can earn a maximum of $5,000 cash back in any calendar year.
InFirst Federal Credit Union VISA Rewards Credit Card – 3% Cash Back:
The InFirst Federal Credit Union VISA Rewards Credit Card stands as one of the better low-key cards in the industry with an exceptional earning rate that constitutes 4% cash back on gas purchases, 3% on restaurant and travel, 2% on all grocery stores, superstores and wholesale club purchases and 1% cash back on all other purchases. All on top of no annual fee. Points can be worth 4 cent a piece if you redeem for statement credit.
InFirst FCU VISA Rewards Summary:
- Apply Now
- Spending Rate: 4% cash back on gas purchases, 3% on restaurant and travel, 2% on all grocery stores, superstores and wholesale club purchases
- Maximum Bonus: 1,500 Bonus Points
- Annual Fee: None
- Bonus Worth: None
- Expiration Date: None
- Additional Advice: Points can be worth 4 cent a piece if you redeem for statement credit
Huntington Voice Credit Card – 3% Cash Back:
You will be able to pick your 3x Rewards category per quarter and one of the choices is 3X for Restaurant spend with the Huntington Voice Credit Card. “From fine dining to downtown diners, your delicious dish desires may mean triple points.” On top of that, this card has no annual fee attached. Keep in mind that you will be capped at $2,000 a quarter. Moreover, this card isn’t really well-rounded for your spend since you’re limited to one category, therefore, a 2X flat cash-back everyone could be a better option (Citi® Double Cash Card – 18 month BT offer)
Huntington Voice Credit Card Summary:
- Apply Now
- Spending Rate: 3X your choice
- Annual Fee: None
- Bonus Worth: None
- Expiration Date: None
- Additional Advice: Keep in mind that you will be capped at $2,000 a quarter
Santander Bravo Credit Card – 3% Cash Back
The Santander Bravo Credit Card earns you a well-rounded 3X the rewards points on supermarket, gas stations, and restaurant purchases up to 15,000 points per calendar quarter and 1x the points otherwise. Now, keep in mind that there will be a $49 annual fee attached (waived for the first year). Points can be redeemed for airline tickets or gift cards.
Santander Bravo Card Summary:
- Apply Now
- Spending Rate: 3x on supermarkets, gas stations, and restaurants
- Maximum Bonus: Earn $100 cash back via statement credit
- Spending Requirement: Spend $1,000 on new net retail purchases within the first 90 days of opening your account.
- Maximum Bonus: 40,000 Bonus ThankYou® Points
- Spending Requirement: You must spend $3,000 within 3 months of account opening.
- Annual Fee: $95 (waived for the first year)
- Bonus Worth: The 40K bonus points is $400 in gift cards.
Citi ThankYou Premier – 2x Cash Back:
With the Citi ThankYou® Premier Card, you earn a rate of 2x ThankYou points per dollar spent on restaurant and entertainment expenses. Be aware that the card also has a rewards rate of 3X on travel which also includes gas purchases. There is a $95 annual fee attached which is waived for the first year. Keep in mind that this card is really how you make it: How much you value your ThankYou Points at. Points do not expire and earn unlimited ThankYou Points
Citi ThankYou Premier Summary:
- Apply Now
- Spending Rate: 3x on supermarkets, gas stations, and restaurants
- Annual Fee: $95 (waived for the first year)
- Bonus Worth: YMMV
- Expiration Date: None
- Additional Advice: Keep in mind that you will be capped at $5,000 a quarter (15,000 points per calendar quarter)
Business Cards:
![]() With the Blue Business® Plus Credit Card from American Express: Earn 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99% Earn 2X points on everyday business purchases such as office supplies or client dinners. You'll earn 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. You've got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited. There card comes with no annual fee (See Rates & Fees). Terms Apply. |
![]() With the American Express Blue Business CashTM Card: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% Plus, earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors. This card comes with no annual fee (See Rates & Fees). Terms Apply. |
- Costco Anywhere Visa® Business Card by Citi: 3% cash back on restaurants and eligible travel purchases
- Chase Ink Business CashSMCard: Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Honorable Mentions:
- Chase Freedom: The card has a 5x rotating category where they would casually throw in Restaurant spend for the category, however, for the first half quarter, this isn’t the exception. First quarter is gas & local commuter while the second quarter is grocery stores and drug stores. Keep in mind that if you have a Chase checking account, you will be able to reap an additional 10%.
- Discover IT: You will usually be able to get Restaurants as the 1st quarter spend on this 5% categorical earning card in the past, however, the 1st quarter stands at 5% on gas stations, ground transportation and wholesale clubs. Still a valued option out there!
- Chase Sapphire Preferred: The card double points on all dining and travel expenses while still giving you one point on all other purchases.
Conclusion:
Now, there are plenty of cards out there with valuable rewards structure that allows you to maximize your spending and when it comes to restaurants and dining out… A bigger rewards earning could definitely be more attractive for some of you. In the list, we included what we believe to be the better card options for you to get the most out of your dining out experience and of course, the Chase Sapphire Reserve is a must with an attractive 3x on travel and dining on top of a valuable rewards currency.
Now, the $450 annual fee may not be for everyone, you can get a 6% cash back on restaurants with a U.S. Bank FlexPerks Gold American Express Card depending on your redemption. The card comes with an $85 annual fee, so if you’re looking for the most affordable, none annual fee card possible, your best option could be Citi Costco Anywhere Visa Card with 3X on restaurant and eligible travel purchases worldwide on top of no annual fee and no caps. Find out which card is right for you by checking out our complete list of Credit Card Promotions today!