Best Credit Cards for Dining in July 2026

Updated: Jul 28, 2026 at 2:29 PM EST
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Written by Olena Odnokoz
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Edited by Yuriy Ilchenko

Credit cards suitable for dining offer attractive rewards, cash back, or discounts on restaurant expenses, making them ideal for individuals who frequently dine out, order takeout, or enjoy food delivery services. These cards often provide higher rewards rates or cash back percentages specifically for dining-related purchases, including restaurants, cafes, fast food chains, and food delivery services. Some cards may also offer rewards or cash back on other entertainment or leisure categories like movies, concerts, or streaming services. Additionally, certain dining credit cards may provide access to exclusive dining offers, priority reservations, or special experiences at select restaurants. By using these credit cards for dining expenses, individuals can earn rewards or cash back while enjoying their favorite meals and exploring new culinary experiences, enhancing their overall dining enjoyment while also maximizing their savings.

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Bank of America® Customized Cash Rewards
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On Bank of America's Secure Website

Bank of America® Customized Cash Rewards
4.5
Annual fee: $0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

17.49% - 27.49% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback in the category of your choice: gas & EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores & pharmacies; or home improvement & furnishings. Additionally, earn 2% cashback at grocery stores and wholesale clubs. You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Plus, earn 1% cashback on all other purchases.

1% - 3% Cashback

Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in the first three months. Plus, earn 6% cashback in the category of your choice for the first year.

$200 + 6% Cashback In The Category of Your Choice for the First Year

» Learn More: Read Card's Review
Savor Rewards from Capital One
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On Capital One's Secure Website

Savor Rewards from Capital One
4.7
Annual fee: $0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Regular APR

18.49% - 28.49% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback on grocery stores, dining, entertainment, and select streaming services. Additionally, earn 8% cashback on Capital One entertainment purchases and 5% cashback when you book hotels, vacation rentals, and rental cars through Capital One Travel. Plus, 1% cashback on all other purchases.

1% - 8% Cashback

Welcome Offer Limited-time offer: Earn a $250 bonus after spending $500 in the first 3 months.

$250

» Learn More: Read Card's Review
Chase Freedom Flex®
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On Chase's Secure Website

Chase Freedom Flex®
4.3
Annual fee: $0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.24% - 27.74% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. Plus, earn 5% cashback on Chase Travel, 3% on dining and drugstore purchases, and 1% on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

» Learn More: Read Card's Review
Freedom Unlimited®
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On Chase's Secure Website

Freedom Unlimited®
4.5
Annual fee: $0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.24% - 27.74% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on travel purchased through Chase Travel℠, 3% cashback on drugstores and dining, plus 1.5% on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

» Learn More: Read Card's Review
U.S. Bank Altitude® Go
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On U.S. Bank's Secure Website

U.S. Bank Altitude® Go
4.6
Annual fee: $0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

17.49% - 27.49% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 4X points on dining, including takeout and delivery, on up to $2,000 each quarter. Additionally, earn 2X points on gas/EV charging stations, select streaming, and groceries, plus 1X on all other eligible purchases.

1x - 4x Points

Welcome Offer Earn 20,000 bonus points after spending $1,000 in the first three months.

20,000 Points

» Learn More: Read Card's Review
Discover it®
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On Capital One's Secure Website

Discover it®
4.6
Annual fee: $0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

17.49% - 26.49% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. Plus, earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $100 statement credit when you apply through our site. Plus, enjoy Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.

$100 + Unlimited Cashback Match (first year)

» Learn More: Read Card's Review
Sapphire Preferred®
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On Chase's Secure Website

Sapphire Preferred®
4.6
Annual fee: $95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.24% - 27.49% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5x points on travel booked through Chase Travel and 2x points on other travel purchases. Earn 3x points on dining, gas/EV charging stations, eligible online grocery purchases, and select streaming services, plus 1x point on all other purchases.

1x - 5x Points

Welcome Offer Earn 75,000 bonus points after spending $5,000 in the first three months.

75,000 Points

» Learn More: Read Card's Review
Autograph®
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On Wells Fargo's Secure Website

Autograph®
4.3
Annual fee: $0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

18.49% - 28.49% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3x points per $1 spent on restaurants, travel, gas, transit, popular streaming services, and phone plans, plus 1x on all other purchases.

1x - 3x Points

Welcome Offer Earn 20,000 bonus points after spending $1,000 in the first 3 months. That's worth $200 cash redemption value.

20,000 Points

» Learn More: Read Card's Review
Strata Elite℠
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On Citi's Secure Website

Strata Elite℠
4.3
Annual fee: $595

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% - 28.49% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 12x points on hotels, car rentals, and attractions booked through Citi Travel®. Additionally, earn 6x points on flights booked via Citi Travel® and at restaurants on Citi Nights℠, Friday and Saturday, 6 p.m. to 6 a.m. ET. You’ll earn 3x points on restaurants at all other times, plus 1.5x points on all other purchases.

1.5x - 12x Points

Welcome Offer Earn 75,000 bonus points after spending $6,000 in the first three months.

75,000 Points

» Learn More: Read Card's Review
Cash+® Visa Signature®
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On U.S. Bank's Secure Website

Cash+® Visa Signature®
4.3
Annual fee: $0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

17.74% - 27.99% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on the first $2,000 in combined purchases each quarter in two categories you choose. Activation is required each quarter by the stated deadline. Earn 5% cashback on prepaid airfare, hotels, and car rentals booked through the Rewards Center with your card. Earn 2% cashback each quarter on one everyday category you choose, such as gas stations and EV charging stations, grocery stores, or restaurants. Activation is required each quarter by the stated deadline. Plus, earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in the first three months.

$200

» Learn More: Read Card's Review

How We Select the Best Credit Cards for Dining?

To identify the best credit cards for dining, we analyzed more than 120 personal and business credit cards from major U.S. issuers. For this category, we narrowed the list to nearly 80 cards that earn rewards on dining purchases, including cashback, rewards, and travel credit cards.

We estimated each card’s annual rewards potential using average household spending on dining. To ensure a consistent comparison across rewards programs, we value points and miles at 1 cent each unless otherwise specified. According to the latest data from the U.S. Bureau of Labor Statistics (BLS), the average U.S. household spent $3,945 on food away from home in 2024, or about $329 per month. Because dining is a significant everyday expense for many households, earning higher rewards in this category can translate into meaningful savings or valuable travel rewards over the course of a year.

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