Best Credit Cards for Dining OutDo you enjoy dining out with loved ones or an occasional fancy meal out on the town? If so, you’ll want to make sure you’re using one of the best cash back credit cards for dining out. Paying with a credit card for your restaurant adventures will not only provide you with more fraud protection, but it will also give you the opportunity to earn rewards on your purchases — who doesn’t love earning rewards on purchases they’re already planning to make? While there are some travel rewards credit cards that earn rewards on dining, the cash back offerings are much more competitive. Keep reading to see which of the best cash back credit cards for dining is the right addition to your wallet.

Capital One Savor Cash Rewards Credit Card

cash back credit cards for dining outIf you want to earn the most on all of your restaurant purchases, the Capital One Savor Cash Rewards Credit Card, which is available to those with good to excellent credit (usually considered a credit score of 700 or higher), is for you. That’s because this card earns an unlimited 4% cash back on dining out and entertainment (e.g., purchases at movie theaters, zoos, aquariums and bowling alleys). This means if you spend $100/week at restaurants (totaling to $5,200/year with 52 weeks in a year), you’ll earn $208 back on your restaurant purchases throughout the year — keep in mind, this doesn’t include any other category purchases. Capital One identifies a number of different purchases as “dining,” including restaurants, cafes, bars, lounges, fast-food chains and bakeries, which means there’s a lot of earning potential. Next, cardholders will earn 2% cash back at grocery stores and 1% cash back on all other purchases. On top of that, cardholder who spend $3,000 on purchases in the first 3 months, something that’s easy to do if you use this as your primary credit card, will earn a one-time $500 cash bonus! Rewards earned with the Capital One Savor Cash Rewards Credit Card can be redeemed for a statement credit, gift card or check. You can even set your rewards to auto redeem, so when you hit a set amount of cash back rewards (e.g., $25 or $50), your rewards will automatically be redeemed. Other perks of the card include a $0 intro annual fee (after that, it’s $95/year) and no foreign transaction fees, which means it’s perfect to take on your overseas journeys.

Don’t want to pay an annual fee? Consider the Capital One SavorOne Cash Rewards Credit Card. This card has no annual fee, offers a $150 annual bonus opportunity and earns an unlimited 3% cash back on dining out and entertainment, along with 2% back at grocery stores and 1% on all other purchases. The Capital One SavorOne Cash Rewards Credit Card also offers a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee) and is available to those with good to excellent credit (typically considered a credit score of 700 or higher).

Wells Fargo Propel American Express Card

cash back credit cards for dining outAnother option for those who frequent restaurants is the Wells Fargo Propel American Express Card, which earns an uncapped 3X points on dining purchases. Wells Fargo classifies “dining” as purchases made at eating places and restaurants, drinking places or fast-food restaurants, which means it’s another card that offers a lot of earning potential. While 3X points back on dining is nice, it’s not the only category that will earn you 3X, as the Wells Fargo Propel American Express Card also earns 3X on popular streaming services, commuting purchases (e.g., gas, rideshares and transit) and travel (e.g., airlines, hotels, homestays and car rentals). All other purchases earn a standard 1 point. On top of that, when you spend $3,000 on purchases in the first 3 months, you’ll earn a 30,000-point bonus — that’s redeemable for $300 in cash! Points earned with the Wells Fargo Propel American Express Credit Card can be redeemed for cash, airline tickets, merchandise and gift cards. Wells Fargo customers can also use their points to pay down eligible loans or mortgages. The card, which is available to those with good to excellent credit (usually considered a credit score of 700 or higher), has no annual fee and no foreign transaction fees. As if these perks aren’t enough, cardholders who use their Wells Fargo Propel American Express Credit Card to pay their monthly cell phone bill will receive up to $600 protection against covered damage and theft (up to 2 claims per year with a $25 deductible per claim).

Discover it chrome

cash back credit cards for dining outHave less-than-perfect credit? If so, Discover it chrome is the right card for you, as it’s available to those with average to excellent credit (usually considered a credit score of 670 or higher). This card earns 2% cash back on purchases at restaurants and gas stations (up to the quarterly maximum, currently $1,000, then it’s 1% back), along with 1% cash back on all other purchases. Discover categorizes the following as restaurant purchases: those made at merchants classified full-service restaurants, cafes, cafeterias and fast-food locations. Although Discover it chrome’s rewards aren’t quite as high as the previously mentioned cards, its unique bonus opportunity makes up for that. That’s because Discover will match all of the cash back new cardholders earn in the first year. This means if you earn $200 in the first year, Discover will match that $200 to give you a total of $400 back! Rewards earned with Discover it chrome can be redeemed for an electronic deposit into your bank account, charitable donations, gift cards or eCertificates and via Amazon.com. Discover it chrome also offers a 14-month 0% intro APR on purchases and balance transfers (after that, the go-to variable APR applies). It should be noted that there’s a 3% balance transfer fee, which is pretty standard. In addition to charging no annual fee and no foreign transaction fees, Discover it chrome includes a free FICO credit score on your monthly statement, offers free identity theft alerts and more.

Whether you’re a bar-hopper or homebody, it’s important to find the right card for your foodie lifestyle. Want to see how the cards detailed in this post compare to other cards on the market? Visit our reviews of the best cash back credit cards.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.