Are you the kind of person that frequently likes to eat out? I certainly am! And because of my busy schedule it's generally more convenient for me to pop in and out of a restaurant than cook at home. However, eating out on a regular basis can end up putting a big dent in your budget. That's why I've analyzed our best rated credit cards and made a selection of the cash back credit cards and rewards credit cards that reward you for restaurant purchases - so that you can earn money or rewards on your spending!

GET.com's best cards for restaurants

Best ForCredit Card
RewardsChase Sapphire Preferred® Card

According to a recent survey about lunch spending by Visa, Americans eat lunch out an average of almost two times per week and spend $10 per meal. That makes an average of $18 a week, which is a total of $936 per year - just on lunch spending!

It is interesting to note that according to this survey, men are more likely to eat lunch out, and they outspend women by 44% per week. Women spend an average of a bit under $15 per week, and men spend an average of $21. Then there is another part of the population, 1% that spend more than $50 per lunch - which is close to $5,000 per year. On the flip side, 30% of the people interviewed stated that they never ate lunch out.

Simple choices such as the frequency that you eat out, or the amount you spend per meal will end up having a large impact on your finances. Easy ways to save money include: using coupons, choosing a less expensive restaurant, or using a cash back or rewards credit card. Or of course, you could just bring your lunch along!

According to Visa's survey, those who made less than $25k per year spent more per meal than those who earned over $50k! If you fall into this category of people who certainly enjoy the guilty pleasure of eating out regularly, don't fret! As a fellow foodie I'll help you choose the right credit card for restaurants so that you can earn rewards on your food expenses!

Here are our 9 best rated credit cards for restaurants in 2017:

Rewards Points Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

APPLY NOWAt Chase's secure website
Chase Sapphire Preferred<sup>®</sup> Card
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • Your Rating:
Rate This Card
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
APPLY NOWAt Chase's secure website

N/A

16.74% - 23.74% Variable

Introductory Annual Fee of $0 the first year, then $95

Why we like it
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs.
Excellent Credit

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Citi ThankYou<sup>®</sup> Preferred Card

Citi ThankYou® Preferred Card

APPLY NOWAt Citi's secure website
Citi ThankYou<sup>®</sup> Preferred Card
  • Our Rating:
  • Our Rating:
  • 4.30/5
  • Your Rating:
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  • Earn 15,000 bonus points after $1,000 in purchases made with your card in the first 3 months the account is open.*
  • 0% intro APR on Purchases and Balance Transfers for 12 months. After that, the variable APR will be 14.24%-24.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou® Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou® Point on other purchases
  • Points earned with this card do not expire and there is no limit to the amount of points you can earn.
  • Redeem ThankYou Points for merchandise, travel rewards and gift cards.
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
APPLY NOWAt Citi's secure website

0%* intro APR on purchases and balance transfers for 12 months

14.24% - 24.24%* (Variable)

$0*

Why we like it
  • Earn 15,000 bonus points after $1,000 in purchases made with your card in the first 3 months the account is open.*.
Excellent

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

APPLY NOWAt American Express' secure website
Premier Rewards Gold Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.38/5
  • Your Rating:
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  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

N/A

$0 Intro Annual Fee for the 1st year, then $195.

Why we like it
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
Excellent Credit

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Wells Fargo Propel American Express<sup>®</sup> Card

Wells Fargo Propel American Express® Card

APPLY NOWAt Wells Fargo's secure website
Wells Fargo Propel American Express<sup>®</sup> Card
  • Our Rating:
  • Our Rating:
  • 4.40/5
  • Your Rating:
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  • NEW! Earn 20,000 bonus points after spending $1,000 in the first 3 months
  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
  • Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far™ Rewards
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
  • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.74%-25.74% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
APPLY NOWAt Wells Fargo's secure website

0% intro APR for 12 months on purchases and balance transfers

13.74%-25.74% (Variable)

$0

Excellent/Good

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Costco Anywhere Visa<sup>®</sup> Card by Citi

Costco Anywhere Visa® Card by Citi

APPLY NOWAt Citi's secure website
Costco Anywhere Visa<sup>®</sup> Card by Citi
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • User Rating:
  • 1.00/5
Rate This Card
  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
APPLY NOWAt Citi's secure website

0%* for 7 months on Purchases*

15.99%* (Variable)

$0

Why we like it
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter.
  • 2% cash back on all other purchases from Costco and Costco.com.
Excellent

Travel Rewards Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Hilton Honors™ Card from American Express

Hilton Honors™ Card from American Express

APPLY NOWAt American Express' secure website
Hilton Honors™ Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • Your Rating:
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  • Limited Time Offer: Earn 80,000 Hilton HonorsTM Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership. Offer ends 05/31/2017.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
  • Enjoy complimentary Silver status with your Hilton HonorsTM Card.
  • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Gold status through the end of the next calendar year.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

15.99%-19.99% Variable

$0

Why we like it
  • Enjoy complimentary Silver status with your Hilton HonorsTM Card.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
Excellent/Good

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Limited time offer till 5/31/17
Hilton Honors™ Surpass<sup>®</sup> Card from American Express

Hilton Honors™ Surpass® Card from American Express

Limited time offer till 5/31/17
APPLY NOWAt American Express' secure website
Hilton Honors™ Surpass<sup>®</sup> Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • Your Rating:
Rate This Card
  • Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months. Offer Ends 5/31/17.
  • Earn a free weekend night on your anniversary date of Card approval. Some hotels may have mandatory services and resort charges. Terms Apply.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
  • As a Hilton HonorsTM Surpass® Card Member you'll receive Hilton Honors Gold status.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

15.99%-19.99% Variable

$75

Why we like it
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • As a Hilton HonorsTM Surpass® Card Member you'll receive Hilton Honors Gold status.
We least like
  • No introductory low APR.
Excellent/Good

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
JetBlue Card

JetBlue Card

APPLY NOWAt Barclaycard's secure website
JetBlue Card
  • Our Rating:
  • Our Rating:
  • 4.10/5
  • Your Rating:
Rate This Card
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
APPLY NOWAt Barclaycard's secure website

0% on balance transfers for first 12 billing cycles following each balance transfer that posts to account within 45 days of account opening

12.74%, 20.74% or 25.74% Variable

$0

Why we like it
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights.
Excellent / Good

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
JetBlue Plus Card

JetBlue Plus Card

APPLY NOWAt Barclaycard's secure website
JetBlue Plus Card
  • Our Rating:
  • Our Rating:
  • 4.00/5
  • User Rating:
  • 5.00/5
Rate This Card
  • Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don't expire
  • Earn 5,000 bonus points every year after your account anniversary
  • 50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights
  • Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
  • Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card
APPLY NOWAt Barclaycard's secure website

0% on balance transfers for first 12 billing cycles following each balance transfer that posts to account within 45 days of account opening

12.74%, 20.74% or 25.74% Variable

$99

Why we like it
  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • 50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights.
Excellent

Make sure to check out our selection of the best rated cash back cards and the best rated rewards credit cards to discover the credit card that will help you save and earn money!

Other Types Of Restaurant Rewards

As well as credit cards that let you earn rewards when you spend money at restaurants, there are also some credit cards which help you save at restaurants in other ways.

For example, some credit cards let you redeem the rewards you earn for gift cards or vouchers that you can use at restaurants. Some rewards programs even offer discounted restaurant gift cards.

Other credit cards let you use your points to pay for meals at certain restaurants or fast food outlets. For example the Membership Rewards® program from American Express has a deal with McDonald's which lets you use your eligible Membership Rewards® credit card to pay for your McDonald's meal right at the counter.

Other cards give you special privileges at select restaurants like guaranteed tables or discounts on your total bill. For example, American Express holds table reservations for Platinum Card® members at many fine restaurants with the #AmexPlatinum Dining Program. So if you have an eligible Platinum card from Amex, you can get a table at a long list of restaurants at a first come, first served basis.

Visa regularly has discount offers from different restaurants (mostly fast food outlets) that you get when you use your Visa card to pay.

Some credit cards let you earn cash back in categories that change every quarter. These categories often include restaurants during one quarter. The cash back which you earn during this quarter may be much higher than what you get with cards that let you save throughout the year.

Can I Earn Rewards At All Food Outlets?

When choosing a restaurant card, it's important to understand how restaurants are categorized. The exact locations that fall into the restaurant category will depend on whether you use a Visa, MasterCard, Discover or American Express card. These payment networks have different criteria for which merchants are considered restaurants.

American Express, for example, includes fast food outlets in its restaurant category, but does not include restaurants outside of the US. Night clubs are not classified as restaurants by American Express.

Visa has separate categories for restaurants, fast food outlets, and drinking places (bars, soda fountains). So unless the cash back categories on your Visa card specifically include restaurants and fast food outlets, you may only earn cash back at restaurants (or fast food outlets if that is the cash back category).

Whichever payment network you use, there is one very important thing to keep in mind if you want to maximize your restaurant cash back or rewards.

If the restaurant or fast food joint is part of a hotel, supermarket, gas station or other establishment, you may not earn cash back or points for your purchases when you pay using your restaurant credit card. That's because the restaurant may fall under the category of the gas station or supermarket that hosts it.

For example, a restaurant that is run by a hotel may fall under the hotel category.

If you have a favorite restaurant that belongs to a gas station, hotel, supermarket or warehouse club, then ask the restaurant staff how the place is classified. If it falls under the hotel, gas station or supermarket categories, then it might be better to get a hotel credit card, gas credit card or supermarket credit card.

Many superstores and warehouse clubs issue their own credit cards, and these could help you earn rewards on your purchases at in-store restaurants at these locations. Or you could use a flexible cash back or rewards credit card that lets you earn rewards on all your purchases, including restaurants.

How We Rate Restaurant Credit Cards

Our mission at GET.com is to provide you with a clear summary of a card's performance compared to other cards on the market. Restaurant cards are rated based on how much they reward you for your restaurant dining (how many points or how much cash back you can earn on dining purchases).

We also take other important factors into account, such as annual fees, APRs, intro APR periods, rewards earned on other purchases, shopping and travel benefits and bonus offers.

When rating restaurant payment cards we pay special attention to perks that can benefit restaurant diners like preferred seating, discounts at restaurants, and easy redemption of rewards for restaurant meals or gift cards.