Best Dining Credit Cards - December 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
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• 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 17.49% – 25.49% applies, depending on your creditworthiness. APRs will not exceed 29.99%. 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.

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.

The U.S. Bank Altitude Go lets you earn 4X points on dining, one of the highest dining rewards among no-annual-fee cards. However, the 4X has a $2,000 per quarter spending cap, and unlike other rewards cards, you’re unable to pool or transfer the points you earn with this card.

• Rewards

  • Earn 4 points per dollar on dining, including takeout and delivery (starting April 14, 2025, a quarterly cap of $2,000 applies).   
  • Earn 2 points per dollar on grocery, gas, and streaming services.   
  • Earn 1 point per dollar on all other purchases.
  • Effective April 14, 2025, any new Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles. Points earned prior to April 14, 2025 will not be affected

• Introductory Offers

  • Earn 20,000 bonus points after spending $1,000 in the first 90 days.  
  • Enjoy 0% intro APR on purchases and balance transfers for 12 billing cycles., then a variable APR of 17.49% - 28.49% after that.

• APRs, Fees, and Penalties    

  • No annual fee.    
  • Foreign transaction fee: 3%
  • Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

• Perks & Benefits    

  • Receive a $15 credit annually for eligible streaming services like Netflix, Spotify, and Amazon Music.    
  • Redeem your points for online shopping, statement credits, travel through the Altitude Rewards Center, and more.

The BofA Customized Cash is designed for people who are looking for flexible cash back. It offers 3% cash back in a customizable category (options include gas, dining, travel and more) and 2% at grocery stores and wholesale clubs. However, its spending cap and rewards structure may not suit everyone.

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.