1.American Express® Gold Card
American Express
- 4%Cash back at restaurants worldwide
- 1%Cash back on all other purchases
Earn up to 100,000 Membership Rewards points after spending $8,000 in eligible purchases on your new Card in your first 6 months.
Earn 4X Membership Rewards points at restaurants worldwide on up to $50K in purchases per calendar year, and 1X points for other purchases.
19.49%-28.49% Variable APR
The American Express® Gold Card stands out as the top choice because of its exceptional rewards structure, offering 4X points on dining and groceries, making it ideal for food enthusiasts. Its generous welcome bonus of up to 100,000 points further enhances its appeal, providing significant value for new cardholders.
Pros:
- High rewards on dining and groceries
- Generous welcome bonus
Cons:
- High annual fee
- Requires good to excellent credit
2.Capital One Savor Cash Rewards Credit Card
Capital One
- 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 dining, entertainment, popular streaming services, and grocery stores
New cardholders can earn a $200 cash bonus after spending $500 on purchases within the first 3 months of account opening.
Earn unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery store purchases, plus 8% cash back on Capital One Entertainment purchases.
18.49%-28.49% Variable APR
What sets the Capital One Savor Cash Rewards Credit Card apart is its robust cash back structure, particularly for dining and entertainment, making it a favorite among foodies. The card's no annual fee and substantial welcome bonus add to its attractiveness, providing excellent value for everyday spending.
Pros:
- No annual fee
- High cash back on dining and entertainment
Cons:
- Limited to specific categories for higher rewards
- Requires good to excellent credit
- 5%Points on travel purchased through Chase
- 3%Points on dining
- 2%Points on travel
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Earn 5X points on travel purchased through Chase, 3X points on dining, and 2X points on travel.
19.24%-27.49% Variable APR
The Chase Sapphire Preferred® Card is widely regarded as one of the best starter travel credit cards due to its versatile rewards program and the ability to transfer points to leading airline and hotel partners. Its generous welcome bonus and robust earning potential on travel and dining make it an excellent choice for frequent travelers.
Pros:
- Strong travel rewards
- Flexible point transfers to travel partners
Cons:
- Annual fee applies
- Higher spending requirement for bonus
4.Citi Custom Cash® Card
Citi
- 5%Cash back on top eligible spending category
- 1%Cash back on all other purchases
New cardholders can earn a $200 cash back bonus after spending $1,500 on purchases within the first 6 months of account opening.
Earn 5% cash back on your top eligible spending category each billing cycle (up to $500 spent), then 1% on all other purchases.
17.49%-27.49% Variable APR
The Citi Custom Cash® Card shines for its flexibility, automatically awarding 5% cash back on your top spending category each billing cycle. This unique feature, combined with no annual fee and a solid welcome bonus, makes it an appealing choice for those looking to maximize their cash back rewards.
Pros:
- No annual fee
- Flexible cash back categories
Cons:
- Spending cap on higher rewards
- Requires good credit
Did you know?
Before you apply, look up credit card basics like APR and fees in our Financial Dictionary. Rewards pay off most when your real spending already hits the card's bonus categories.
Final Words
As you consider the best restaurant credit cards this June 2026, remember that the right card can enhance your dining experiences while providing valuable rewards. Take time to compare options based on your spending habits and preferences, ensuring you make informed decisions that align with your financial goals.
Frequently Asked Questions
The welcome bonus for the American Express® Gold Card is up to 100,000 Membership Rewards points after spending $8,000 in eligible purchases on your new Card in your first 6 months.
With the Capital One Savor Cash Rewards Credit Card, you earn unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery store purchases, and 8% cash back on Capital One Entertainment purchases.
The Chase Sapphire Preferred® Card has an annual fee of $95. It's important to weigh this fee against the potential rewards and benefits you can earn with the card.
When selecting a restaurant credit card, consider factors such as the rewards rate on dining, any applicable annual fees, and the welcome bonus. Additionally, look at your spending habits to ensure the card aligns with where you spend the most.
Yes, the Chase Sapphire Preferred® Card allows you to earn 3X points on dining. This makes it a great option for those who frequently dine out or order in.
New cardholders can earn a $200 cash bonus after spending $500 on purchases within the first 3 months of account opening.
Many restaurant credit cards may charge foreign transaction fees, so it's important to check the terms before using the card internationally. Cards like the Chase Sapphire Preferred® Card typically do not charge these fees, making them a good choice for travelers.
