Best Dining Credit Cards - September 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.

• Earn 60,000 Membership Rewards® Points after spending $6,000 on eligible purchases within the first 6 months. Plus, receive 20% back in statement credits on eligible restaurant purchases worldwide within the first 6 months, up to $100. The offer ends on November 6, 2024.
• Choose from Gold, Rose Gold, or Limited-Edition White Gold metal designs for your American Express® Gold Card. The White Gold design is available while supplies last.
• Earn 4X Membership Rewards® points per dollar spent at restaurants worldwide, up to $50,000 per calendar year. After that, earn 1X points.
• Earn 4X Membership Rewards® points per dollar spent at U.S. supermarkets, up to $25,000 per calendar year. After that, earn 1X points.
• Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards® points per dollar spent on all other eligible purchases.
• Get $120 Uber Cash annually by adding your Gold Card to your Uber account. Receive $10 in Uber Cash each month for Uber Eats orders or Uber rides in the U.S. To receive this benefit you must have downloaded the latest version of the Uber App and your eligible American Express Gold Card must be a method of payment on your Uber account. The Amex Benefit may only be used in the United States.
• Earn up to $84 in statement credits annually at Dunkin' locations. Get $7 in monthly statement credits after enrolling and paying with the Amex Gold.
• Receive up to $100 in statement credits annually for dining at U.S. Resy restaurants or other eligible Resy purchases. Get $50 in statement credits semi-annually. Enrollment required.
• Get up to $120 in dining credits annually. Earn $10 in monthly statement credits when you pay with your 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
• The annual fee is $325. See Rates and Fees
• Terms apply.
• See Rates and Fees

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.

• Enjoy a 0% introductory APR on purchases for the first 12 months from account opening. After that, a variable APR of 18.49% to 26.49% will apply, depending on your creditworthiness and other factors at the time of account opening. See Rates and Fees
• The APR will not exceed 29.99%. See Rates and Fees
• Earn 2% cash back on all eligible purchases up to $50,000 per calendar year; after that, you will earn 1%.
• Cash back is automatically credited to your statement.
• With Expanded Buying Power, you can spend beyond your credit limit to adapt to your business needs. The amount you can spend above your limit is determined by your card usage, payment history, credit record, financial resources, and other factors.
• This card has no annual fee. See Rates and Fees
• Terms Apply
• See Rates and Fees

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.

• Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months.
• Points are worth 50% more when redeemed for travel through Chase Travel. For example, 60,000 points are worth $900 toward travel.
• Receive a $300 Annual Travel Credit for travel purchases each account anniversary year.
• Earn 5x points on flights and 10x points on hotels and car rentals when booked through Chase Travel after spending the first $300 on travel annually. Earn 3x points on other travel and dining, and 1 point per dollar on all other purchases.
• Enjoy complimentary DashPass access for at least one year when activated by December 31, 2027.
• Transfer points 1:1 to leading airline and hotel loyalty programs.
• Access 1,300+ airport lounges worldwide with Priority Pass™ Select after a one-time enrollment.
• Get up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®.
• Benefit from Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, and more.

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.

• Earn a $200 cash rewards bonus after spending $1,000 on purchases within the first 90 days of opening your account.
• 3% cash back in the category of your choice, up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
• 2% cash back automatically at grocery stores and wholesale clubs, up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
• Earn unlimited 1% cash back on all other purchases.
• Bank of America Preferred Rewards® members can earn 25%–75% extra cash back on every purchase, potentially earning 3.75%–5.25% back in the chosen category.
• No annual fee and cash rewards don’t expire as long as your account remains open.
• Enjoy a 0% introductory APR for 15 billing cycles on purchases and balance transfers made within the first 60 days. After that, a variable APR of 19.24%–29.24% applies. A fee of 3% for balance transfers within the first 60 days, then 4% thereafter.
• Regular APR ranges from 19.24% to 29.24% (variable) for both purchases and balance transfers.
• Use contactless cards for secure, convenient transactions with a simple tap.