{"id":15,"date":"2025-08-04T09:15:00","date_gmt":"2025-08-04T09:15:00","guid":{"rendered":"https:\/\/clearcardguide.com\/?p=15"},"modified":"2026-04-03T21:38:41","modified_gmt":"2026-04-03T21:38:41","slug":"best-credit-cards-dining-out","status":"publish","type":"post","link":"https:\/\/clearcardguide.com\/?p=15","title":{"rendered":"Best Credit Cards for Dining Out in 2025"},"content":{"rendered":"<p><em>This post may contain affiliate links. We may earn a commission when you apply for a card through our site, at no extra cost to you.<\/em><\/p>\n<p>Restaurant and food delivery spending is one of the biggest household categories \u2014 and the right credit card earns you 3x, 4x, or more on every dollar spent at restaurants, bars, and delivery apps.<\/p>\n<h2>Best Credit Cards for Dining<\/h2>\n<h3>1. American Express\u00ae Gold Card \u2014 Best for Dining (4x)<\/h3>\n<ul>\n<li><strong>Dining rate:<\/strong> 4x Membership Rewards at restaurants worldwide<\/li>\n<li><strong>Credits:<\/strong> $10\/month Grubhub\/Shake Shack; $10\/month Uber Cash<\/li>\n<li><strong>Annual fee:<\/strong> $325 (effective ~$85)<\/li>\n<li><strong>Sign-up bonus:<\/strong> 60,000 points after $6,000 in 6 months<\/li>\n<\/ul>\n<h3>2. Chase Sapphire Reserve\u00ae \u2014 Best Premium Dining Card<\/h3>\n<ul>\n<li><strong>Dining rate:<\/strong> 3x Ultimate Rewards on dining worldwide<\/li>\n<li><strong>Annual fee:<\/strong> $550 ($250 net)<\/li>\n<li><strong>Points value:<\/strong> 1.5 cents\/point via Chase Travel<\/li>\n<\/ul>\n<h3>3. Capital One SavorOne \u2014 Best No-Fee Dining Card<\/h3>\n<ul>\n<li><strong>Dining rate:<\/strong> 3% cash back on dining, entertainment, grocery stores, and streaming<\/li>\n<li><strong>Annual fee:<\/strong> $0<\/li>\n<li><strong>Sign-up bonus:<\/strong> $200 after $500 spend in 3 months<\/li>\n<li><strong>APR:<\/strong> 19.74%\u201329.74% variable<\/li>\n<\/ul>\n<h3>4. Chase Sapphire Preferred\u00ae \u2014 Best Mid-Tier Dining Card<\/h3>\n<ul>\n<li><strong>Dining rate:<\/strong> 3x Ultimate Rewards on dining<\/li>\n<li><strong>Annual fee:<\/strong> $95<\/li>\n<li><strong>Sign-up bonus:<\/strong> 60,000 points after $4,000 in 3 months<\/li>\n<\/ul>\n<h3>5. Citi Custom Cash\u00ae \u2014 Best if Dining Is Your #1 Category<\/h3>\n<ul>\n<li><strong>Dining rate:<\/strong> 5% cashback if dining is your top monthly spend category (up to $500\/month)<\/li>\n<li><strong>Annual fee:<\/strong> $0<\/li>\n<\/ul>\n<h3>6. Discover it\u00ae Chrome \u2014 Good Starter Dining Card<\/h3>\n<ul>\n<li><strong>Dining rate:<\/strong> 2% at restaurants and gas stations (up to $1,000\/quarter combined)<\/li>\n<li><strong>First-year bonus:<\/strong> Cashback Match<\/li>\n<li><strong>Annual fee:<\/strong> $0<\/li>\n<\/ul>\n<h2>Food Delivery Counts Too<\/h2>\n<p>Most major cards count Uber Eats, DoorDash, and Grubhub as &#8220;dining&#8221; since they use restaurant merchant codes. The Amex Gold&#8217;s $10\/month Grubhub credit makes food delivery nearly free for regular users.<\/p>\n<h2>How Much Can You Earn on $500\/Month Dining?<\/h2>\n<ul>\n<li>Amex Gold (4x, ~1.5 cents\/point): ~$360\/year in travel value<\/li>\n<li>Chase Sapphire Preferred (3x, ~1.25 cents\/point): ~$225\/year<\/li>\n<li>SavorOne (3% cash): $180\/year in cash<\/li>\n<li>Basic 1% card: Only $60\/year<\/li>\n<\/ul>\n<h2>Best Strategy<\/h2>\n<p>Use the <strong>Amex Gold<\/strong> for sit-down dining (4x) and the <strong>SavorOne or Freedom Unlimited<\/strong> for fast food and delivery (3%). Two-card stack beats any single card.<\/p>\n<h2>Bottom Line<\/h2>\n<p>The <strong>Amex Gold<\/strong> is the best dining card \u2014 4x globally with no cap. For a no-fee option, the <strong>Capital One SavorOne<\/strong> earns 3% on dining with no annual cost. Use these instead of a 1% card and you&#8217;ll easily earn an extra $100\u2013$300\/year on dining alone.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This post may contain affiliate links. We may earn a commission when you apply for a card through our site, at no extra cost to you. Restaurant and food delivery spending is one of the biggest household categories \u2014 and the right credit card earns you 3x, 4x, or more on every dollar spent at&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[2,24],"tags":[28,25,27,26],"class_list":["post-15","post","type-post","status-publish","format-standard","hentry","category-credit-cards","category-dining","tag-best-cards-for-dining","tag-dining-credit-cards","tag-food-credit-cards","tag-restaurant-rewards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best Credit Cards for Dining Out in 2025 - Clear Card Guide<\/title>\n<meta name=\"description\" content=\"Love eating out? 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