Best Cash Back Credit Cards for Dining Out

Dining out can be one of life s greatest pleasures, but it can also add up quickly. Thankfully, the right cash-back credit card can transform your restaurant bills into rewarding experiences.

This guide explores the best cash-back credit cards designed specifically for dining out. Whether you’re a foodie who relishes trying new restaurants or someone who enjoys the occasional takeout, these cards can help you earn money back on your culinary adventures.

Discover which options provide the best rewards, perks, and flexibility to elevate your dining experience.

1. Chase Sapphire Preferred

The Chase Sapphire Preferred card is one of the best travel rewards credit cards available. It offers a premium selection of dining perks and flexible rewards tailored for the discerning consumer.

With competitive points per dollar on eligible purchases, you can enhance your spending while enjoying exceptional benefits. You earn double points on dining and travel, which stands out among other cards in its class.

When compared to standard offerings from competing companies, the Sapphire Preferred not only boosts your points accrual but also allows you to redeem points for valuable travel experiences, such as flights and hotel stays.

Transferring points to numerous airline and hotel partners is easy, giving you greater flexibility when planning your adventures. The card s dining perks also include exclusive restaurant experiences and reservations, ensuring your culinary journeys are as enriching as your travels.

2. Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card offers an exceptional cash back rate on dining and entertainment. For those looking for more insights on this topic, check out how to choose a credit card for cash back. It’s the perfect companion for those who appreciate everything from food delivery to exquisite dining experiences.

With an impressive 4% cash back on dining and entertainment purchases, this card enhances your social outings, whether indulging in a gourmet meal or enjoying a concert with friends. To maximize your rewards, consider exploring the best cash back credit cards for travel rewards.

For households that frequently dine out or enjoy leisure activities, the opportunity to earn cash back adds up quickly. You can redeem rewards for statement credits or special purchases.

With no annual fee for the first year, you’ll love how easy it is to maximize your rewards on everyday spending!

3. American Express Gold Card

The American Express Gold Card is designed for those who relish culinary experiences. It offers exceptional dining rewards and points that can be redeemed for travel or shopping.

As one of the premier credit cards for frequent diners, you can earn up to four points per dollar spent at restaurants, including takeout and delivery. Additionally, for those who enjoy online shopping, exploring options like the top cash back credit cards for online shopping can help you maximize your rewards. The card also provides monthly dining credits applicable to popular food services, allowing you to offset your dining expenses significantly.

But that s not all. Beyond standard restaurant perks, your points can be redeemed for flights, making travel bookings effortless while enjoying delightful dining experiences.

To maximize your benefits, use these points for eligible purchases that resonate with your lifestyle, transforming everyday moments into extraordinary occasions.

4. Discover it Cash Back

The Discover it Cash Back credit card offers an exceptional opportunity to earn impressive cash back rates on popular categories like dining and groceries, making it a great choice among cash back credit cards for small businesses.

It’s perfect for those eager to make the most of their everyday spending. Cash back rates change with promotional categories. Plan your purchases wisely to earn the most rewards!

Stay informed about purchases that qualify for cash back, as these will significantly impact your overall monthly expenses. This thoughtful approach transforms routine shopping into a rewarding experience.

5. Citi Double Cash Card

The Citi Double Cash Card elevates your cash back rewards by offering two distinct rates on every purchase, making it a seamless way to maximize earnings.

You earn 1% cash back at the moment of purchase and an additional 1% when you pay it off. This gives you a fantastic reason to pay in full and on time!

Redeeming your rewards is flexible. Choose a statement credit, a bank deposit, or even a check to customize your rewards experience.

This card simplifies cash back. Enjoy rewards without the hassle of rotating categories or spending limits!

6. Bank of America Cash Rewards Credit Card

The Bank of America Cash Rewards Credit Card lets you choose your own cash back categories, providing flexibility and opportunities to earn bonus cash back.

Choose from options like gas, dining, or groceries, tailoring the rewards to your spending habits. Maximize your earnings where you spend the most!

Whether you re a frequent traveler, a family shopper, or a tech lover, adjusting your categories each quarter keeps your rewards aligned with your needs.

7. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is a top choice for travelers, offering impressive travel rewards and flexible redemption options.

Earn unlimited double miles on every purchase, making it easy to rack up rewards. Redeem those miles for flights, hotel stays, car rentals, and even perks like airport lounge access.

Transfer your earned miles to over 15 travel loyalty programs, turning everyday spending into extraordinary adventures!

8. Wells Fargo Propel American Express Card

The Wells Fargo Propel American Express Card seamlessly blends travel rewards with enticing dining perks. It s an exceptional choice for those looking to earn rewards on everyday spending without the burden of foreign transaction fees!

This card has a great rewards program, allowing you to rack up triple points on dining, gas stations, and popular streaming services. It perfectly caters to both the frequent diner and the entertainment aficionado.

With no foreign transaction fees, it s tailor-made for international travelers. You can explore new destinations and savor local cuisine without the anxiety of added costs.

You can easily redeem your points for travel expenses, gift cards, and more. Enjoy additional perks like travel insurance and purchase protection. This not only elevates the experience of card ownership but also ensures you re getting the most out of every dollar spent.

9. Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express is a top-tier option for those who value rewards in dining and grocery shopping. It offers great cash back at U.S. supermarkets while managing its annual fee with finesse.

With a cash back rate that truly sets it apart from competitors, you can earn considerable rewards on your everyday purchases from grocery runs to delightful dinners with family or friends. Experience significant benefits without having to overhaul your spending habits!

It s essential to examine the relationship between attractive cash back percentages and the annual fee. Ensure that the rewards you gain far exceed any costs. By crafting a strategy to maximize these rewards, you can enjoy budget-friendly savings and transform the card into a savvy financial tool.

10. U.S. Bank Cash+ Visa Signature Card

The U.S. Bank Cash+ Visa Signature Card gives you the chance to customize your cash back options across various spending categories. This enables you to adapt rewards to your individual spending habits!

This card lets you align your rewards with your everyday expenses whether that s groceries, gas, or dining out. This level of customization significantly enhances your rewards, especially for households with diverse monthly needs.

Change categories every quarter! This offers you the flexibility to maximize your benefits, ensuring that your rewards not only enhance your spending power but also adapt to the ever-evolving financial landscape.

11. Chase Freedom Unlimited

The Chase Freedom Unlimited card is an enticing option for those who appreciate simplicity and value. It offers a straightforward cash back program with no annual fee on all eligible purchases.

What truly distinguishes this card is its generous cash back structure, granting you 1.5% back on every dollar spent. This makes it remarkably easy to rack up rewards on your everyday expenses.

You can also earn enhanced cash back on specific categories, such as travel and dining, through bonus offers. This is an excellent way to maximize your rewards!

With no complicated tier systems or rotating categories to navigate, you can seamlessly enjoy cash back on a wide range of purchases from groceries to online shopping. This allows for a genuinely stress-free rewards experience, putting you in control of your earnings.

12. Costco Anywhere Visa Card by Citi

The Costco Anywhere Visa Card by Citi offers you exceptional cash back opportunities, especially as a Costco member. It offers high rewards on restaurant spending. Plus, there are no foreign transaction fees, making it ideal for travelers.

This unique combination transforms your dining experiences into valuable rewards. It’s essential not just for those who love to eat out, but for international shoppers as well. If you enjoy exploring diverse culinary scenes, this card can help you discover the best cash back credit cards for large purchases, turning every meal into a chance to earn back money.

It also rewards travel purchases generously, making it an attractive choice for frequent travelers. Every dollar you spend on accommodations and flights maximizes your rewards, allowing you to enjoy the benefits without compromising your lifestyle.

13. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card makes earning rewards a breeze with its straightforward unlimited cash back on every purchase. If you prefer a low-maintenance rewards experience without the burden of an annual fee, this card is definitely worth considering.

This exceptional card caters to your diverse spending habits. You can effortlessly earn cash back on everything from groceries to gas, dining out to online shopping. Its versatility shines through as it automatically rewards you with consistent returns, enhancing your financial flexibility.

For those who often juggle multiple purchases across various categories, having a single card that offers hassle-free earning isn’t just convenient it’s a smart choice. Whether your lifestyle leans towards indulgent dining experiences or everyday essentials, this card ensures that every dollar you spend contributes to a rewarding experience.

14. Barclaycard CashForward World Mastercard

The Barclaycard CashForward World Mastercard is crafted for discerning spenders like you. It presents an enticing cash back program that rewards you with bonus cash for a variety of purchases.

What sets this program apart is its compelling feature that allows you to earn bonus rewards on everyday expenses whether you re stocking up on groceries, filling up your tank, or dining out with friends. You can effortlessly accumulate cash back, enhancing your purchasing power and giving you the freedom to choose how to redeem those earnings.

You can choose how to spend your cash back rewards, giving you exciting options! The flexibility in redeeming cash back means you can either save it for future indulgences or enjoy instant rewards right away. This makes it an appealing option for a broad spectrum of consumers. Whether you focus on essentials or occasionally treat yourself, this cash back program seamlessly enriches your financial experience.

15. HSBC Cash Rewards Mastercard

The HSBC Cash Rewards Mastercard offers you an exceptional cash back program that rewards you on eligible purchases while also providing enticing travel rewards for those who love to explore.

Its cash back structure is thoughtfully crafted to give you higher rewards in categories like groceries, dining, and gas expenses that most people encounter regularly. This design makes the card particularly attractive if you prioritize everyday spending, allowing you to accumulate rewards at an impressive pace.

Moreover, it strikes a perfect balance between cash back offerings and travel bonuses. This makes it a versatile option whether you travel occasionally or often. By catering to a variety of spending habits, this card enables you to maximize your rewards potential, seamlessly aligning with both your daily needs and those memorable travel experiences.

Frequently Asked Questions

Got questions about cash back credit cards? Here are some answers to help you out!

What are the best cash back credit cards for dining out?

Some of the top cash back credit cards for dining out include the Capital One Savor, Chase Sapphire Preferred, and the best rewards cards for dining out in 2024.

Which credit card offers the highest cash back for dining out?

The Capital One Savor card offers the highest cash back at 4% for dining out.

Are there any annual fees for these cash back credit cards?

Yes, some of these cards may have annual fees, but they often come with additional perks and benefits that can make it worth the cost.

Do these credit cards offer cash back for other categories besides dining out?

Yes, many of these cards offer cash back for groceries, gas, and travel too. Research each card to find the perfect match for your spending habits.

Can I redeem my cash back for anything besides statement credits?

Some cards let you use your cash back for gift cards, travel rewards, or even direct deposits into your bank account. Talk to your card issuer to discover all the exciting options!

Do I need excellent credit to be eligible for these cash back credit cards?

Good credit can help you get approved, but some cash back cards for dining have looser credit requirements. To maximize your rewards, consider exploring the best rewards cards for everyday purchases. Always check with your card issuer for their eligibility rules.