Best Cash Back Credit Card for Dining 2026
Americans spend an average of $3,000+ per year dining out. The right card can turn that into $90–$150 in cash back annually.
Capital One SavorOne
Best no-annual-fee dining card with 3% cash back at restaurants and food delivery apps.
- Rewards: 3% dining, 3% grocery stores, 3% entertainment
- Annual Fee: $0
- Welcome Bonus: $200 after $500 spend in 3 months
Capital One Savor
Premium dining card with 4% back on dining and entertainment for big spenders who can justify the fee.
- Rewards: 4% dining and entertainment
- Annual Fee: $95
- Welcome Bonus: $300 after $3,000 spend in 3 months
Chase Sapphire Preferred
Best for dining + travel combo, with 3x points on dining that transfer to airline and hotel partners.
- Rewards: 3x points on dining
- Annual Fee: $95
- Welcome Bonus: 60,000 points after $4,000 spend in 3 months
Quick Comparison
| Card | Rewards | Annual Fee | Best For |
|---|---|---|---|
| Capital One SavorOne | 3% dining | $0 | No-fee option |
| Capital One Savor | 4% dining | $95 | Heavy diners |
| Chase Sapphire Preferred | 3x points | $95 | Travel + dining |
How to Choose
No-fee diners should grab the SavorOne. If you spend $200+ monthly dining out, the Savor’s 4% rate justifies the $95 annual fee.
Frequently Asked Questions
Does food delivery count as dining?
Most cards include DoorDash, Uber Eats, and Grubhub as dining. Check your card’s terms to confirm.
What about fast food?
Yes, fast food restaurants earn dining rewards on most cards since they’re coded as restaurants.
Do bars and coffee shops count?
Usually yes — bars, cafes, and coffee shops are typically coded as restaurants.