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From the Experts at Credit.com

The Best Credit Cards for Dining Out in 2018

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[DISCLOSURE: Cards from our partners are mentioned below.]

After a long day of work, sometimes the last thing you want to do is come home and fix dinner. That’s when you head to your favorite restaurant and let them do the work for you. Unfortunately, it can get expensive to eat out frequently. That’s why it’s a good idea to pay the bill with a credit card that helps you earn extra at restaurants. The rewards you can earn will help offset the cost of dinner and allow you to feel a little less guilty at the end of the night.

Before your next night out, make sure you have the right credit card in your wallet. Here are the best credit cards for restaurants in 2018.

Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Apply Now
on Chase's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
17.99% - 24.99% Variable

Balance Transfer:
17.99% - 24.99% Variable

Annual Fee:
$0 Intro for the first year, then $95

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • 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®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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

Card Details +

When you use this card on restaurants and travel, you will receive two Ultimate Reward points per dollar spent. Any other purchase you make will receive one point. You will also receive 50,000 points after spending $4,000 within the first three months of being a cardholder. 

Chase Ultimate Rewards are a favorite for credit card users because of the redemption options. You can use your points to book travel directly and receive 1.25 cents per point. Alternatively, you can transfer your points to one of several different loyalty programs at a 1:1 ratio. This card has no foreign transaction fees but does have an annual fee of $0 Intro for the first year, then $95. The APR is between 17.99% - 24.99% Variable.

Capital One Venture Rewards

The Capital One Venture Rewards card is not only an easy-to-get credit card for those with good credit, but it’s also one of the best credit cards for restaurants in 2018. With this card, you will receive an unlimited 2X miles for every dollar you spend. Capital One also awards 10x the miles for purchases made with hotels.com/venture (learn more at hotels.com/venture). Plus, when you sign up, you will receive 50,000 bonus miles after spending $3,000 within the first three months of account opening.

Redeeming your points is one of the best perks of this card. You will be able to use your miles as a statement credit toward any travel expense. That means you can fly any airline with an available seat or stay in hotels with available rooms. Cardholders can also receive up to $100 application fee credit for Global Entry or TSA Pre✓® This card also comes with no foreign transaction fee and an annual fee of $0 intro for first year; $95 after that. The card carries an APR of 14.74% - 24.74% (Variable), depending on your credit. 

Capital One SavorOne Cash Rewards

capone-savor-oneJust like its name implies, you’ll savor your food when you use this card, knowing that you’re getting a decent amount of cash back. Cardholders earn 3% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% on all other purchases. There is no limit on how much you can earn and the points never expire as long as the account remains open.  There’s also a signup bonus-earn $150 cashback when you spend $500 within three months of the account opening. The card has no transaction fees and a $0 annual fee. Plus, there’s a special APR when you open the account-0% intro on purchases for 15 months as well as 0% intro on balance transfers for 15 months then 14.74% - 24.74% (Variable) APR. In order to qualify for this card, you’ll need Excellent,Good credit.

At publishing time, the Chase Sapphire Preferred, Capital One Venture Rewards, Capital One SavorOne, Chase Sapphire Preferred and Citi Double Cash credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, these relationships do not result in any preferential editorial treatment. This content is not provided by the card issuers. Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuers.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.


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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.