The Best Credit Cards for Foodies

Advertiser Disclosure: Some links to credit cards and other products on this website will earn an affiliate commission. Compensation may affect how and where the cards appear on the site, and we do not include all card companies and all available card offers. Opinions, reviews, analyses, and recommendations have not been reviewed, endorsed, or approved by any of these affiliate entities. point.me has partnered with CardRatings for our coverage of credit card products. point.me and CardRatings may receive a commission from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened.

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

• Capital One Savor Cash Rewards Credit Card

• Chase Freedom Flex® Credit Card

• American Express® Gold Card

• U.S. Bank Altitude® Go Visa Signature®

• Chase Sapphire Reserve®

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Capital One Savor Cash Rewards Credit Card

Best for: Travelers who want to earn high cash back on food, fun, and travel Welcome bonus: $200 cash back after you spend $500 within 3 months from account opening Annual fee: $0 Earning rates:

• 8% cash back on Capital One Entertainment purchases

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

• 3% cash back on at select grocery stores, dining, entertainment and popular streaming services

• 1% cash back on all other purchases

Other benefits:

• No foreign transaction fees

• 0% intro APR on purchases and balance transfers for 12 months; 18.49 - 28.49% variable APR after that; balance transfer fee applies

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® Credit Card

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® Credit Card 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.  

American Express® Gold Card

Best for: Foodies who spend big on groceries and dining, at home and abroad Welcome bonus: As High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. Annual fee: $325 (see rates and fees, terms apply) Earning rates:

• Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. 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® point per dollar spent on all other eligible purchases.

• 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

• Foreign transaction fee: None

The American Express® Gold Card 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 American Express® Gold Card 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 Visa Signature®

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 Visa Signature® 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: Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. Annual fee: $795 Earning rates:

• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases 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 Rewards Visa® Business Card

• American Express® Business Gold Card

U.S. Bank Triple Cash Rewards Visa® 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 Rewards Visa® 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. 

American Express® Business Gold Card

Best for: Businesses with high dining spend and flexible category rewards Welcome bonus: You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Annual fee: $375 (see rates and fees, terms apply) Earning rates:

• Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™ using your Business Gold Card.*

• 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

• Foreign transaction fee:None

The American Express® Business Gold Card 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.

Advertiser Disclosure: Some links to credit cards and other products on this website will earn an affiliate commission. Compensation may affect how and where the cards appear on the site, and we do not include all card companies and all available card offers. Opinions, reviews, analyses, and recommendations have not been reviewed, endorsed, or approved by any of these affiliate entities. point.me has partnered with CardRatings for our coverage of credit card products. point.me and CardRatings may receive a commission from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened.

The American Express® Gold Card see rates and fees, terms apply; American Express® Business Gold Card see rates and fees, terms apply