Best of
Best Credit Cards for Restaurants of May 2019
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on Capital One's website
on Capital One's website
Annual Fee
$95
Waived first year
Regular APR
18.24% - 25.74% Variable APR
Intro APR
N/A
recommended credit score
on Capital One's website
on Capital One's website
Annual Fee
$0
Regular APR
18.24% - 26.24% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 15 months
recommended credit score
on US Bank's website
on US Bank's website
Annual Fee
$0
Regular APR
16.24% - 25.74% Variable APR
Intro APR
0% Intro APR* on balance transfers for 12 billing cycles
recommended credit score
on Synchrony Bank's website
on Synchrony Bank's website
Annual Fee
$0
Regular APR
16.49% - 26.49% Variable
Intro APR
N/A
recommended credit score
on American Express's website, or call (866) 512-6673
on American Express's website, or call (866) 512-6673
Annual Fee
$250
Regular APR
See Terms
Intro APR
N/A
recommended credit score
on Chase's website
on Chase's website
Annual Fee
$450
Regular APR
19.24% - 26.24% Variable APR
Intro APR
N/A
recommended credit score
on Wells Fargo's website
on Wells Fargo's website
Annual Fee
$0
Regular APR
16.24% - 27.24% Variable APR
Intro APR
0% APR for 12 months on purchases and qualifying balance transfers
recommended credit score
Our pick for
Small business
on American Express's website, or call (866) 512-6673
on American Express's website, or call (866) 512-6673
Annual Fee
$0
Regular APR
14.49% - 21.49% Variable APR
Intro APR
0% on Purchases for 15 months
recommended credit score
OTHER OPTIONS
Costco Anywhere Visa® Card by Citi
If you like your shopping carts like your dining rewards — extra large — the Costco Anywhere Visa® Card by Citi is your card. It offers bonus rewards in several categories, including:
- 4% cash back on gas (up to $7,000 per year, then 1% after that).
- 3% back on restaurants and eligible travel purchases.
- 2% back at Costco stores and Costco.com.
- 1% back on all other purchases.
It doesn’t have a sign-up bonus. Its annual fee is $0*, but it requires a Costco membership, which starts at $60 per year.
Sam's Club Mastercard
After using this card to fill up on gas at the pump, you'll want to tap it to fill up on daily specials at your favorite restaurant. The Sam's Club Mastercard gets you:
- 5% cash back on gas bought at Sam's Club, Walmart and other gas stations (on up to $6,000 per year)
- 3% back on dining and travel.
- 1% back on all other purchases.
The annual fee is $0. It requires a Sam's Club membership, which costs at least $45 a year.
PayPal Extras Mastercard®
The PayPal Extras Mastercard® is designed for people with average credit, but its dining rewards are better than average. You’ll get an unlimited 3 points per dollar spent at restaurants and gas stations, 2 points per dollar spent at eBay and PayPal, and 1 point per dollar spent on all other purchases. Points are worth 0.83 cents each when redeemed for cash back, and they expire after 24 months. The card doesn't have a sign-up bonus. The annual fee is $0.
AARP® Credit Card from Chase
You don't have to be a card-carrying member of AARP to qualify for this dining card. It gets you an unlimited 3% cash back at restaurants and gas stations and 1% back on all other purchases. Its annual fee is $0, and it comes with a generous sign-up bonus: $100 bonus cash back after you spend $500 on purchases in the first 3 months from account opening.
Information related to the AARP® Credit Card from Chase has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.
To view rates and fees of the American Express® Gold Card, please visit this page.
Last updated on May 21, 2019
