Best Dining Credit Cards - November 2024

The American Express® Gold Card has outstanding features and benefits. Its generous rewards program allows cardholders to earn substantial points on dining and groceries, making it easy to get rewarded for everyday expenses. Additionally, you'll enjoy entertainment perks, like a dining credit at eligible restaurants and access to presale event tickets. Overall, the American Express Gold Card is a great card for both ordinary and extraordinary spending.

• Introductory Offers

  • Earn 60,000 Membership Rewards points after spending $6,000 on eligible purchases in the first six months.

• Rewards

  • Earn 4X Membership Rewards points per dollar at restaurants worldwide, up to $50,000 annually, then 1X points.
  • Earn 4X points at U.S. supermarkets, up to $25,000 annually, then 1X points.
  • Earn 3X points on flights booked directly with airlines or AmexTravel.com.
  • Earn 2X points on prepaid hotels and eligible purchases through AmexTravel.com.
  • Earn 1X point on all other eligible purchases.

• Perks & Benefits

  • Receive $120 Uber Cash annually for Uber Eats or rides in the U.S. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
  • No foreign transaction fees. See Rates and Fees

• APRs, Fees, and Penalties

  • Annual fee is $325. See Rates and Fees
  • Know if you're approved for a card with no impact on your credit score. Accepting the card may impact your score.
  • Terms apply.

The American Express Blue Business Cash™ Card is a solid choice for small businesses. It's particularly attractive for its uncomplicated cash back structure and the absence of an annual fee. This combination allows businesses, even those with modest expenses, to realize a net gain from spending. Additionally, it offers a 0% introductory APR on purchases.

• Introductory Offers

  • Earn a $250 statement credit after spending $3,000 in the first 3 months.
  • Enjoy a 0% intro APR on purchases for 12 months from the date you open your account. After the intro period, a variable APR of 17.74% – 25.74% applies, depending on your creditworthiness. See Rates and Fees

• Rewards

  • Earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%. Cash back is automatically credited to your statement.

• APRs, Fees, and Penalties

  • No annual fee. See Rates and Fees

• Perks & Benefits

  • With Expanded Buying Power, you can spend beyond your credit limit. The amount is flexible and adapts to your card usage and payment history. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • Terms Apply.

This card shines in the travel and dining rewards department, offering exceptional point rewards through Chase Ultimate Rewards and increased redemption value for travel. The substantial sign-up bonus, exclusive luxury travel perks, protections for travel and purchases, and an annual travel credit add to its appeal for frequent travelers. However, it comes with a notably high annual fee, which may be a deal-breaker if you know you won't get the full value out of the card's many premium benefits.

Introductory Offers

• Earn 60,000 bonus points after spending $4,000 in the first three months.

Rewards

• Earn 5x points on flights and 10x points on hotels and car rentals when booked through Chase Travel after the first $300 is spent on travel annually.
• Earn 3x points on other travel and dining purchases.
• Earn 1 point per dollar spent on all other purchases.
• Points are worth 50% more when redeemed for travel through Chase Travel.

Perks & Benefits

• Receive a $300 annual travel credit for travel purchases.
• Enjoy complimentary DashPass for a year with activation by December 31, 2027.
• Transfer points 1:1 to leading airline and hotel loyalty programs.
• Access over 1,300 airport lounges worldwide with Priority Pass Select.
• Get up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck.
• Benefit from Trip Cancellation/Interruption Insurance.
• Use Auto Rental Collision Damage Waiver.
• Protect your belongings with Lost Luggage Insurance.

This card offers a terrific rewards rate on dining purchases without a pesky annual fee. The card has a sizable bonus with a fairly low spend threshold, which is a great way to kickstart to your rewards balance.

• Four points per dollar spent on dining (including takeout and delivery)
• Two points per dollar spent on grocery, gas and streaming service purchases
• One point per dollar on all other spending
• Earn 20,000 bonus points if you spend $1,000 in the first 90 days
• 0% intro APR on purchases and balance transfers for 12 billing cycles (18.24%–29.24% variable APR after)
• No annual fee
• No foreign transaction fee
• Get a $15 credit once a year when you use your card to pay for eligible streaming services such as Netflix, Spotify and Amazon Music
• Redeem your reward points for online shopping, a statement credit, travel through the Altitude Rewards Center and more

The Bank of America® Customized Cash Rewards Credit Card stands out for its flexibility and reward potential, especially appealing to consumers who value customized cash back options. It offers a significant new cardholder bonus and the ability to earn higher cash back in various everyday categories. Preferred members enjoy additional rewards, enhancing the card's value. The card's introductory 0% APR is another great perk for those who want to consolidate existing credit card debt. Overall, this card is ideal for savvy spenders who can maximize the card’s benefits.

Introductory Offers

• Earn a $200 online cash rewards bonus after spending $1,000 in the first 90 days.

Rewards

• Earn 3% cash back in a category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined purchases each quarter), and 1% on all other purchases.
• Bank of America Preferred Rewards members can earn 25%-75% more cash back on every purchase.

APRS, Fees, and Penalties

• Enjoy 0% Intro APR for 15 billing cycles on purchases and balance transfers made in the first 60 days. After that, a variable APR of 18.74% - 28.74% applies.
• A 3% Intro balance transfer fee applies for the first 60 days; after that, the fee is 4%.

Perks & Benefits

• No annual fee and cash rewards don’t expire as long as your account remains open.
• Use contactless cards for secure and convenient transactions.