Best Cash Back Credit Card for Dining

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.

Written by: Marcus Chen, Senior Credit Card Analyst at Clear Card Guide

Last Updated: May 2026

Our Editorial Standards | How We Review | Affiliate Disclosure

Our finance research team tests credit cards independently. If you make a purchase through our links, we may earn a commission at no additional cost to you. View our tested picks.

Best for different needs:

Budget: Capital One SavorOne — 3% dining with no annual fee, best free option for casual diners
Premium: Chase Sapphire Preferred — 3x points on dining (up to 2-3x through portals), pairs with travel redemptions
Beginners: Capital One SavorOne — simple 3% flat on dining/entertainment, no annual fee, easy to use
Advanced: Capital One Savor — 4% on dining for $95, worthwhile if you spend heavily on restaurants
Avoid if: You prefer flat-rate — split category cards need management, flat 2% may be simpler