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
RewardsBank of America® Premium Rewards® Visa® credit card
Bonus OfferCapital One® Savor® Cash Rewards Credit Card
Cash BackCapital One® SavorOne® Cash Rewards Credit 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 2019:

Cash Back Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> Savor<sup>®</sup> Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

N/A

16.24% - 25.24% (Variable)

$0 intro for first year; $95 after that

Excellent, Good

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> SavorOne<sup>®</sup> Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card

  • 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; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

0% intro on purchases and balance transfers for 15 months

15.74% - 25.74% (Variable)

$0

Excellent, Good

Rewards Points Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Premium Rewards<sup>®</sup> Visa<sup>®</sup> credit card

Bank of America® Premium Rewards® Visa® credit card

APPLY NOWAt Bank of America's secure website
  • Receive 50,000 bonus points- a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Receive 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
APPLY NOWAt Bank of America's secure website

N/A

17.74% - 24.74% Variable APR

$95 annual fee

Excellent/Good

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

Chase Sapphire Preferred® Card

APPLY NOWAt Chase's secure website
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 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, 60,000 points are worth $750 toward travel
APPLY NOWAt Chase's secure website

N/A

17.74% - 24.74% Variable

$95

Why we like it
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Excellent/Good

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

Costco Anywhere Visa® Card by Citi

APPLY NOWAt Citi's secure website
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 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
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 16.74%. Citi Flex Plan offers are made available at Citi's discretion.
APPLY NOWAt Citi's secure website

N/A

16.74% (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 likeCredit RequiredRelated links
Bank of America<sup>®</sup> Premium Rewards<sup>®</sup> Visa<sup>®</sup> credit card

Bank of America® Premium Rewards® Visa® credit card

APPLY NOWAt Bank of America's secure website
  • Receive 50,000 bonus points- a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Receive 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
APPLY NOWAt Bank of America's secure website

N/A

17.74% - 24.74% Variable APR

$95 annual fee

Excellent/Good

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Hilton Honors American Express Card

Hilton Honors American Express Card

APPLY NOWAt American Express' secure website
  • Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases 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.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

17.24% - 26.24% Variable

$0

Why we like it
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
Excellent/Good

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Blue Delta SkyMiles<sup>®</sup> Credit Card from American Express

Blue Delta SkyMiles® Credit Card from American Express

APPLY NOWAt American Express' secure website
  • Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

17.24% - 26.24% Variable

$0

Excellent Credit

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Offer ends 1/15/2020
American Express<sup>®</sup> Green Card

American Express® Green Card

Offer ends 1/15/2020
APPLY NOWAt American Express' secure website
  • Receive up to $100 in statement credits towards any eligible purchase made directly with Away in your first 3 months. Offer ends 1/15/2020. Plus, earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months.
  • Receive up to $100 in statement credits towards any eligible purchase made directly with Away in your first 3 months. Offer ends 1/15/2020.
  • Plus, earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months.
  • Earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours.
  • Earn 3X Membership Rewards® points at restaurants worldwide.
  • Receive up to $100 per year in statement credits when you use the American Express® Green Card to pay for your CLEAR® membership.
  • Receive up to $100 in statement credits per year on your LoungeBuddy purchases. Use the American Express® Green Card to purchase lounge access through LoungeBuddy to any of the lounges in the LoungeBuddy network — no memberships, elite statuses, or first class tickets required.
  • No Foreign Transaction Fees.
  • $150 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

See Rates & Fees

$150

Excellent/Good

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.