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Best Credit Cards for Restaurants of May 2019

NerdWalletMay 21, 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Capital One® Savor® Cash Rewards Credit Card

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

Dinner and a movie? What sets the Capital One® Savor® Cash Rewards Credit Card apart is that it earns high rewards for both the dinner and the movie. The card pays unlimited 4% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back on all other purchases.
Capital One® SavorOne℠ Cash Rewards Credit Card

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

The Capital One® SavorOne℠ Cash Rewards Credit Card — the $0-annual-fee version of Capital One's popular dining card — pays unlimited 3% cash back on dining and entertainment, 2% back at grocery stores and 1% back on all other purchases.
US Bank Cash+(TM) Visa Signature(R) Card Credit Card

on US Bank's website

Rates & Fees

on US Bank's website

Rates & Fees
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

The $0-annual-fee U.S. Bank Cash+™ Visa Signature® Card earns 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose and unlimited 2% cash back on your choice of one everyday spending category. All other spending earns 1% cash back. As of February 2019, fast food was an option for a 5% category, and restaurants were an option for the 2% category.
The Marvel Mastercard

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

Earn extra cash back when your ideal date night is dinner and a movie, regardless of whether the film features an actual Marvel superhero. The Marvel Mastercard earns 3% cash back on restaurants and entertainment categories like movie theaters, amusement parks, theater and concert tickets, game stores and more. Non-bonus-category purchases earn 1% back.
American Express Premier Rewards Gold Credit Card

on American Express's website, or call (866) 512-6673

Rates & Fees

on American Express's website, or call (866) 512-6673

Rates & Fees
Annual Fee

$250

Regular APR

See Terms

Intro APR

N/A

recommended credit score

The revamped American Express® Gold Card comes with big rewards, including 4 Membership Rewards points per dollar spent at U.S. restaurants.
Chase Chase Sapphire Reserve Credit Card

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

The Chase Sapphire Reserve® made its name with a treasure trove of travel benefits, but restaurant connoisseurs will also appreciate its first-rate dining rewards. It offers an unlimited 3 points per dollar spent on dining and travel and 1 point per dollar on all other purchases.
Wells Fargo Wells Fargo Propel American Express (R) Card Credit Card

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

The Wells Fargo Propel American Express® Card earns 3 points per dollar spent at restaurants, bars, gas stations, rideshares, transit and more, making your nights out extra valuable. All non-bonus-category purchases earn 1 point per dollar.

Our pick for

Small business

American Express SimplyCash Plus Business Credit Card Credit Card

on American Express's website, or call (866) 512-6673

Rates & Fees

on American Express's website, or call (866) 512-6673

Rates & Fees
Annual Fee

$0

Regular APR

14.49% - 21.49% Variable APR

Intro APR

0% on Purchases for 15 months

recommended credit score

For entrepreneurs with clients to wine and dine, the $0-annual-fee SimplyCash® Plus Business Credit Card from American Express could be a perfect fit.

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

Methodology

NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.