The Best Credit Cards for Foodies

The best credit card for your dining habits should reward you for the money you spend on food. 

Cards designed for foodies often offer earn points per dollar spent on restaurant purchases, whether you dine out, grab takeout, or order delivery. Some of the best options also earn bonuses on groceries and other common household expenses while offering extra perks like food delivery credits and dining portal discounts

Whether you’re a casual diner, a takeout regular, or a globetrotting foodie, there’s a credit card that can turn every meal into extra rewards. This guide dives into the best options available right now.

Personal cards

• Bilt Mastercard

• Capital One Savor

• Chase Freedom Flex

• Amex Gold Card

• U.S. Bank Altitude Go

• Chase Sapphire Reserve

Business cards

• U.S. Bank Triple Cash

• Amex Business Gold

Bilt Mastercard

Best for: Bonus rewards on dining and other lifestyle expenses, including rent Welcome bonus: None Annual fee: $0 Earning rates:

• 5+ points per dollar on Bilt Neighborhood Dining

• 5 points per dollar on Lyft purchases

• 3 points per dollar on all other dining, including takeout and delivery

• 2 points per dollar on travel

• 1 point per dollar on rent (no fees)

• Double points on Bilt Rent Day (first of each month, excluding rent) on up to $1,000 spent

Other benefits:

• No foreign transaction fees (useful for dining abroad)

• Flexible rewards you can redeem for travel, rent, statement credits, and more

• Monthly “Bilt Rent Day” promotions with bonus earning opportunities

The Bilt Mastercard earns some of the best returns on restaurant spending, especially for a credit card with no annual fee. This card includes bonus multipliers for select restaurants, as well as double points on the first day of each month (Bilt Rent Day). Better yet, cardholders can earn rewards by paying rent with this card without incurring transaction fees. 

Perfect for people whose biggest expenses are rent, travel, and dining, the Bilt card will quickly become your wallet’s best friend. Just note: You’ll need to use this card at least five times per billing cycle in order to earn rewards. 

Capital One Savor

Best for: Travelers who want to earn high cash back on food, fun, and travel Welcome bonus: $200 cash back after spending $500 in your first three months as a cardholder Annual fee: $0 Earning rates:

• 8% cash back on entertainment purchased through Capital One Entertainment

• 5% cash back on hotels and rental cars booked through Capital One Travel

• 3% cash back on dining, groceries, select streaming, and qualified entertainment

• 1% cash back on all other purchases

Other benefits:

• No foreign transaction fees

• 0% intro APR for your first 15 billing cycles

• For a limited time, earn a $100 credit for flights, stays, and rental cars booked through Capital One Travel during your first cardholder year

The Capital One Savor Rewards card stands out for people who value simple rewards on food and fun. The generous returns on dining and entertainment are even easier to justify because the card doesn’t have an annual fee, and cash back is very straightforward to redeem. 

Chase Freedom Flex

Best for: 5% bonus reward categories in addition to a consistent 3% on dining Welcome bonus: $200 after spending $500 in your first three months with the card Annual fee: $0 Earning rates:

• 5% on rotating quarterly categories, up to $1,500 spent per quarter

• 5% on travel through Chase Travel

• 3% on dining and drugstores

• 1% on all other purchases

Other benefits:

• 0% intro APR for your first 15 billing cycles on purchases and balance transfers

• Trip cancellation and interruption insurance, secondary rental car coverage

The Chase Freedom Flex earns generous dining returns for a credit card with no annual fee. Pairing it with a premium Chase card unlocks even more value through travel partners.

This card is also ideal for foodies who don’t mind a little gamification in their spending strategy for additional rewards. On top of earning a flat 3% bonus on all dining and drugstore purchases, cardholders can earn 5% cash back on bonus categories that change every quarter.  

Amex Gold Card

Best for: Foodies who spend big on groceries and dining, at home and abroad Welcome bonus: 60,000 points after spending $6,000 in your first six months Annual fee: $325 Earning rates:

• 4 points per dollar at restaurants worldwide, including takeout and delivery, on up to $50,000 per calendar year

• 4 points per dollar at U.S. supermarkets on up to $25,000 per year

• 3 points per dollar on all flights booked directly with the airline or through Amex Travel

• 2 points per dollar on prepaid hotels and other travel purchased through Amex

• 1 point per dollar on all other purchases

Other benefits:

• More than $300 in annual dining credits from select partners

• Up to $120 Uber Cash annually, offered in $10 monthly increments

• Up to $100 hotel credit on eligible stays booked through Amex Travel

• No foreign transaction fees

The Amex Gold is one of the best-known credit cards for foodies, with high multipliers on restaurants and groceries. The card is ideal for people who cook at home as much as they eat out, and its worldwide restaurant bonus makes the Amex Gold a great choice for international travelers who want a single credit card for all purchases. 

The higher annual fee is worth it if you can take advantage of most or all of the card’s perks, which include travel credits for eligible hotel stays booked through Amex Travel. 

U.S. Bank Altitude Go

Best for: Foodies who want strong dining rewards without paying an annual fee Welcome bonus: 20,000 points after spending $1,000 in your first 90 days Annual fee: $0 Earning rates:

• 4 points per dollar on dining, takeout, and delivery

• 2 points per dollar on grocery stores, streaming services, and gas/EV charging stations

• 1 point per dollar on all other purchases

Other benefits:

• $15 annual streaming credit on select services

• No foreign transaction fees

• 0% intro APR for your first 15 billing cycles

The U.S. Bank Altitude Go card is a great choice for foodies who want a simple, no-annual-fee credit card that still delivers strong dining rewards. The generous dining bonus rivals premium cards, and the extra streaming credit adds more everyday value. This card is an excellent option for anyone who wants to earn high rewards on everyday expenses without paying an annual fee.

Chase Sapphire Reserve

Best for: Foodies who also want premium travel benefits, including airport lounge access Welcome bonus: 125,000 points after spending $6,000 in your first three months Annual fee: $795 Earning rates:

• 8 points per dollar on all Chase Travel purchases

• 4 points per dollar on flights and hotels booked directly with the company 

• 3 points per dollar on restaurants worldwide, including delivery and takeout

• 1 point per dollar on all other purchases

Other benefits:

• More than $2,700 in annual credits, including a $300 annual travel credit

• Chase Sapphire Lounge access and Priority Pass Select membership

• Comprehensive travel protections

• Flexible point that transfer to more than a dozen airline and hotel partners

For those who love to dine and travel in style, the Chase Sapphire Reserve blends strong dining rewards with elite travel perks. The annual fee is steep, but frequent travelers can easily get their money’s worth if they utilize most or all of the $2,700 available in annual statement credits. If you spend heavily on dining and also value lounge access and travel insurance, this card delivers both valuable rewards and luxury.

Business cards

U.S. Bank Triple Cash Business Card

Best for: Business owners who want to earn 3% cash back on dining and other common expenses Welcome bonus: $500 cash back after spending $4,500 in your first 150 days Annual fee: $0 Earning rates:

• 3% cash back at restaurants; gas and EV charging (on transactions of $200 or less); office supplies; and cell phone service

• 1% cash back on all other purchases

Other benefits:

• $100 annual statement credit for recurring software subscriptions

• 0% intro APR for your first 12 billing cycles

• Free employee cards

• No annual fee

The U.S. Bank Triple Cash Business Card is straightforward and practical for small business owners who want to earn consistent rewards on dining and other business expenses. An annual credit for software, as well as an introductory zero-interest offer makes this card easy to justify, especially with no annual fee. 

Amex Business Gold

Best for: Businesses with high dining spend and flexible category rewards Welcome bonus: 100,000 points after spending $15,000 in your first three months Annual fee: $375 Earning rates:

• 4 points per dollar on your top two spending categories (from a list) each billing cycle on up to $150,000 a year, then 1 point per dollar

• 3 points per dollar spent on flights and hotels booked through Amex Travel

• 1 point per dollar on all other purchases

Other benefits:

• Nearly $400 in annual credits toward common business expenses, including up to $20 monthly for Grubhub and up to $12.95 per month toward Walmart+ membership

• Expense management tools and employee cards

• No foreign transaction fees

The Amex Business Gold is great for companies that spend a significant amount on dining and want flexibility in their rewards. Since the 4x rewards automatically adjust to your top two qualifying spending categories each month, you never have to think about how to make the most of your earning potential. 

This business credit card is pricier than some other options, but the flexibility and strong earning potential make it worthwhile for companies that spend a lot on dining, takeout, or food delivery.