1.American Express® Gold Card
American Express
- 4%Points on Restaurants Worldwide
- 4%Points at U.S. supermarkets
- 1%Points on all other purchases
Earn 100,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card within the first 6 months.
Earn 4X Membership Rewards® points on Restaurants Worldwide on up to $50K in purchases per calendar year. Earn 4X points at U.S. supermarkets on up to $25K.
19.49%-28.49% Variable APR
The American Express® Gold Card stands out as the top choice because it offers exceptional rewards on dining and groceries, making it ideal for food enthusiasts. With a generous welcome bonus and high earning potential, it provides significant value for those who spend heavily in these categories.
Pros:
- High rewards on dining and groceries
- Flexible Membership Rewards points
Cons:
- High annual fee
- Requires significant spending to maximize rewards
2.Capital One Savor Cash Rewards Credit Card
Capital One
- 3%Cash back on dining, entertainment, and grocery stores
- 1%Cash back on all other purchases
Earn a $200 cash bonus after you spend $500 on purchases within the first 3 months.
Earn unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores.
18.49%-28.49% Variable APR
What sets the Capital One Savor Cash Rewards Credit Card apart is its focus on dining and entertainment, offering unlimited 3% cash back in these categories without an annual fee. This makes it particularly appealing for those who frequently dine out or enjoy entertainment options.
Pros:
- No annual fee
- High cash back on dining and entertainment
Cons:
- Lower rewards on non-bonus categories
- Limited to certain categories for higher cash back
- 5%Points on travel booked through Chase Travel
- 3%Points on dining and other categories
- 1%Points on all other purchases
Earn 75,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
Earn 5x points on travel booked through Chase Travel, 3x points on dining, online groceries, streaming, gas, EV charging, and vacation rentals.
19.24%-27.49% Variable APR
The Chase Sapphire Preferred Card is a popular travel rewards credit card that excels in earning points on travel and dining, making it a favorite among frequent travelers. Its flexible point transfer options to travel partners enhance its value, making it a top choice for those looking to maximize their travel rewards.
Pros:
- Strong rewards on travel and dining
- Flexible point transfers to travel partners
Cons:
- Annual fee applies
- Requires spending to maximize rewards
4.Chase Sapphire Reserve
Chase
- 3%Points on dining and travel
- 1%Points on all other purchases
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months.
Earn 3x points on dining and travel, 1 point per dollar spent on all other purchases.
19.49%-27.99% Variable APR
The Chase Sapphire Reserve is a high-end travel rewards credit card that offers substantial benefits for frequent travelers, including a generous welcome bonus and premium perks. Its high annual fee is offset by the extensive travel credits and rewards, making it a strong contender for those who travel often.
Pros:
- High welcome bonus
- Premium travel benefits
Cons:
- Very high annual fee
- Not ideal for casual users
5.U.S. Bank Altitude Go Visa Signature Card
U.S. Bank
- 4%Points on dining and food delivery
- 2%Points on everyday categories
Earn 20,000 bonus points after you spend $1,000 in eligible purchases within the first 90 days.
Earn 4X points on dining and food delivery, 2X points on everyday categories.
17.49%-27.49% Variable APR
The U.S. Bank Altitude Go Visa Signature Card shines for its high rewards on dining and food delivery, making it an excellent choice for food lovers. With no annual fee and a straightforward rewards structure, it appeals to those looking for a simple yet rewarding card.
Pros:
- No annual fee
- High rewards on dining
Cons:
- Limited to specific categories for higher rewards
- Lower rewards on non-bonus categories
6.Citi Custom Cash Card
Citi
- 5%Cash back on top eligible spending category
- 1%Cash back on all other purchases
Earn $200 in cash back after spending $1,500 on purchases in the first 6 months.
Earn 5% cash back on your top eligible spending category each billing cycle, up to $500.
17.49%-27.49% Variable APR
The Citi Custom Cash Card offers a unique rewards structure that automatically adjusts to your highest spending category, making it a flexible option for cash back. Although it is no longer accepting new applications, existing cardholders can still benefit from its generous rewards.
Pros:
- No annual fee
- Flexible rewards structure
Cons:
- Limited to $500 per category
- No longer accepting new applications
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 explore the best restaurant credit cards this September, remember to evaluate your spending habits and the rewards offered. Take time to compare your options carefully, ensuring you make an informed decision that aligns with your dining preferences and financial goals.
Frequently Asked Questions
Earn 100,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card within the first 6 months.
Earn unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores, along with 1% cash back on all other purchases.
The Chase Sapphire Preferred Card offers a welcome bonus of 75,000 points after you spend $5,000 on purchases in the first 3 months from account opening, and earns 5x points on travel booked through Chase Travel.
No, the Capital One Savor Cash Rewards Credit Card has an annual fee of $0, making it a great choice for those looking for a no-cost option with rewards on dining and entertainment.
When selecting a restaurant credit card, consider the rewards rate, annual fees, and any sign-up bonuses. Also, assess how well the card aligns with your dining habits and spending patterns.
With the American Express® Gold Card, you earn 4X Membership Rewards® points on Restaurants Worldwide on up to $50K in purchases per calendar year, and 4X points at U.S. supermarkets on up to $25K.
The Chase Sapphire Preferred Card offers 5% points on travel booked through Chase Travel, 3% points on dining and other categories, and 1% points on all other purchases, providing a diverse rewards structure.
