Best credit cards for dining of September 2022

Using the right credit card when you go out to eat can mean valuable rewards and benefits just for getting dinner. CardRatings editors break down the best credit cards for dining, including takeout and delivery.
Best credit cards of 2022
author Jennifer Doss
Terms apply; see the online credit card application for full terms and conditions of offers and rewards
20+ years
finding the best card for you
1,500+ cards
in our database
5,000+ cardholders
polled about their cards
243 reviews
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List of Winners

The atmosphere, the food, the people...the no having to clean up the kitchen afterwards... what's not to love about dining out?

If dining out, or even dining in with takeout or delivery, is something you do often, a dining credit card deserves a place in your wallet. These credit cards reward you for every dollar spent on dining, whether you're eating at a fancy restaurant or heading through your favorite fast food drive-thru. Many credit cards for restaurants even offer special perks like free or reduced membership rates to food-delivery programs like DoorDash, or dining credits to your favorite restaurants. What's more is that grocery purchases are often included in these credit card rewards programs as well, so you can earn extra rewards on all of your meals — even the ones you decide to make and eat at home.

Whether you're looking for a no-annual-fee option, a go-to card for client business dinners, or the ultimate vacation dining credit card, there's something for everyone. Continue on for our list of the best credit cards for dining and restaurant purchases.

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CardName discontinued    Winner

EditorRating
 
foreign_fee AnnualFees
Why We Like It: Travel rewards credit cards are known for helping you pay for flights, hotels, rental cards... basically anything travel-related, but you're generally out of luck when it comes to using rewards to offset the cost of dining out when you travel (or stay at home, for that matter). This no-annual-fee card could be just what you need to round out your travel rewards strategy. Just rack up the rewards and then redeem them to cover your restaurant purchases when you travel and, voila! you're found a way to use travel rewards to offset vacation food costs.
Welcome Bonus
25,000 points Earn 25,000 online bonus points after you spend $1,000 in the first 90 days
Annual Fee
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

Bonus: Earn 25,000 online bonus points when you spend $1,000 in the first 90 days. That's worth $250 in statement credit to cover travel or dining purchases.

Annual Fee: AnnualFees

Rewards Rate: Earn unlimited 1.5 points per $1 spent on all your purchases. Preferred Rewards clients earn 25%-75% more rewards on each purchases depending on your tier. Redeem your rewards for statement credit to cover travel or dining purchases.

Credit Needed: CreditScoreNeeded

PROS:

  • Being able to use rewards to offset restaurant purchases is a rarity. This card could seriously help you pay for food while on vacation – one of those necessary vacation expenses that's difficult to cover with travel rewards.
  • A nice flat earning rate means you don't have to overthink when to use this card – just use it for all your puchases!
  • Preferred Rewards clients could really see their rewards add up quickly given that you earn 25%-75% more on every purchase depend on your client tier.

CONS:

  • That 1.5 points per $1 spent is great, but flat-rate rewards cards aren't how you're going to really maximize your earning. Earning top rewards generally happens with tiered cards and strategic use.
  • There aren't a ton of extra perks/features with this card, as is common with travel rewards cards. That said, this one doesn't charge an annual fee and is still a solid choice.

Read our full CardName.

Current Scores Past Scores (avg.)
Overall Score 74.0 85.1
Rewards Program Satisfaction 7.2 8.4
Customer Service 7.5 8.5
Website/App Usability 7.8 8.4
Likelihood of Continuing to Use 7.8 8.8
Recommend to a Friend/Colleague 7.4 8.6

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued    Winner

EditorRating
 
foreign_fee AnnualFees
Why We Like It: This is the ultimate night-out-on-the-town cash rewards credit card thanks to 3% cash back earned on both dining and entertainment purchases. Whether it's dinner and a movie, a takeout picnic and concert in the park, or a Fenway Frank and a baseball game, this card will reward you for it all.
Welcome Bonus
$200 Earn a $200 cash-back bonus after you spend $500 within the first three months of opening an account
Annual Fee
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

Bonus: Earn a $200 cash-back bonus after you spend $500 within the first three months of opening an account.

Annual Fee: AnnualFees

Rewards Rate: Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target), and 1% on all other purchases.

Credit Needed: CreditScoreNeeded

PROS:

  • This card makes date night a lot more exciting with 3% cash back on dining AND entertainment purchases.
  • Enjoy rewards even when you decide to cook thanks to 3% earned on grocery purchases, too.
  • This card doesn't charge a foreign transaction fee, which is rare for a no-annual-fee cash-back credit card. So feel fee to use it whether dining at your favorite neighborhood joint or at a sidewalk cafe in Paris!

CONS:

  • Outside of dining, groceries, streaming and entertainment, this card only rewards 1% cash back. If you spend heavily in other categories, you might want to consider a card with more bonus options.
  • This card offers intro 0% APR on purchases and balance transfers for the first 15 months of membership (3% fee on the amounts transferred within the first 15 months). This is a great perk, but just be aware that once this introductory period expires, regular RegAPR APR will apply. This isn't really a con, per se, but definitely something to be aware of.

Read our full CardName.

Current Scores Past Scores
Overall Score 78.3 85.2
Rewards Program Satisfaction 7.8 8.4
Customer Service 7.6 8.6
Website/App Usability 8.1 8.6
Likelihood of Continuing to Use 8.4 8.7
Recommend to a Friend/Colleague 7.9 8.5

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued    Winner

EditorRating
 
foreign_fee AnnualFees
Why We Like It: Sometimes dining means preparing a meal right in the comfort of your own home. And to do that, you need groceries. With all the options to order groceries these days, it's nice to have a credit card option that rewards you for placing your grocery order online.
Welcome Bonus
60,000 points Earn 60,000 bonus points after spending $4,000 in the first three months. That's worth $750 toward travel when redeemed through Chase Ultimate Rewards.
Annual Fee
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

Bonus: Earn 60,000 bonus points after spending $4,000 in the first three months. That's worth $750 toward travel when redeemed through Chase Ultimate Rewards.

Annual Fee: AnnualFees

Rewards Rate: Earn five points per $1 on travel purchased through Ultimate Rewards; three points per $1 on dining (including eligible takeout and delivery), select streaming services and on online grocery store purchases (excluding Target, Walmart and wholesale clubs); two points per $1 on travel; and one point per $1 on other purchases.

Credit Score Needed: CreditScoreNeeded

PROS:

  • Earn points placing those grocery orders online, so that you can save up money and accumulate rewards toward your next vacation.
  • Save with a $50 Ultimate Rewards hotel credit annually
  • Chase will reward your loyalty each account year with bonus points equal to 10% of all your purchases during the previous year.

CONS:

  • This card is really designed for people who like to eat out and/or travel often. If you spend a lot of money in other categories or rarely dine out or travel, there are likely better card options for you.
  • If you're primary online grocery shopping is with Target, Walmart or wholesale clubs, keep in mind those locations are excluded from earning the 3x points on online grocery store purchases.
  • There is an annual fee so before applying, you'll want to consider whether you'll use the card enough to offset this cost.
Current Scores Past Scores (avg.)
Overall Score 75.9 83.4
Rewards Program Satisfaction 7.5 8.3
Customer Service 7.9 8.5
Website/App Usability 7.7 8.1
Likelihood of Continuing to Use 8.2 8.9
Recommend to a Friend/Colleague 7.1 8.1

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued    Winner

EditorRating
 
foreign_fee AnnualFees
Why We Like It: One of the best parts of vacation is getting to try a whole new culinary scene. What's great about this card is that it rewards you for both travel purchases AND dining purchases, so you'll benefit from it all. Plus, the bonus for new cardholders is worth up to $900 toward travel which could stretch your vacation, and dining, budget far.
Welcome Bonus
60,000 points Earn 60,000 Chase Ultimate Rewards bonus points – worth up to $900 in travel through Ultimate Rewards – after you spend $4,000 in the first three months
Annual Fee
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

The Bonus: Earn 60,000 Chase Ultimate Rewards® bonus points – worth up to $900 in travel – after you spend $4,000 in the first three months.

Annual Fee: AnnualFees; an additional $75 for each authorized user.

Rewards Rate: Earn 10 points per $1 on Chase Dining purchases through Ultimate Rewards. Earn 10 points on car rentals and hotels as well as 5 points per $1 on air travel through the Ultimate Rewards portal immediately after earning your annual travel reimbursement. Earn three points per $1 spent on dining and on other travel that isn't eligible for the annual $300 travel statement credit reimbursement and one point per $1 spent on all other purchases.

Credit Score Needed: CreditScoreNeeded

PROS:

  • If you like points rewards programs, Chase Sapphire Reserve® has one of the best. You can earn 3X points for every dollar spent on any dining purchases and 10 points per $1 on Chase Dining purchases through the Ultimate Rewards portal. If you spend $15,000 a year on typical dining, that would be 45,000 points. That translates to a $450 statement credit or $675 worth of travel expenses if you redeem through Chase Ultimate Rewards.
  • Right out of the gate, this card offers a delicious signup bonus of 60,000 points when you spend at least $4,000 over the first three months after the card is activated. That translates to a $600 statement credit or $900 worth of travel when you book through Chase.
  • As an added bonus, receive a $300 travel rewards bonus each year on your card activation anniversary.

CONS:

  • The perks and rewards are attractive but they come with a steep price tag. The annual fee may be off-putting for many potential applicants. You need to be certain you will make use of the card on a regular basis in order to make full use of the perks and earn enough rewards to offset that fee.
  • There is no introductory interest rate for purchases or balance transfers.

Read our full review of the CardName card.

Current Scores Past Scores (avg.)
Overall Score 83.2 82.6
Rewards Program Satisfaction 8.3 8.2
Customer Service 8.4 8.2
Website/App Usability 8.3 8.3
Likelihood of Continuing to Use 8.6 8.5
Recommend to a Friend/Colleague 8.2 8.2

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued    Winner

EditorRating
 
foreign_fee AnnualFees
Why We Like It: This card offers a lot of flexibility if you spend heavily in other categories besides dining, and it doesn't feature an annual fee. In addition to 3% cash back on dining, you can also earn 5% in quarterly rotating categories when you activate, 5% back on travel purchased through Chase, 3% back at drugstores and 1% back on all other purchases.
Welcome Bonus
$200 Earn a $200 bonus after you spend just $500 in the first three months.
Annual Fee
AnnualFees
APR
RegAPR
Credit Needed
CreditScoreNeeded

The Bonus: Earn a $200 bonus after you spend just $500 in the first three months.

Annual Fee: AnnualFees

Rewards Rate: Earn 5% back on the first $1,500 spent in rotating quarterly categories each time you activate. You also earn 5% back on travel purchased through Chase, 3% back at restaurants, 3% back at drugstores and 1% back on your other purchases. Check out the current quarterly categories.

Credit Score Needed: CreditScoreNeeded

PROS:

  • This card offers a healthy 3% cashback on all forms of dining, including takeout and home deliveries.
  • If you dine out regularly, the sign-up bonus is easy money in your pocket. You earn $200 for spending just $500 over the first three months after your account is opened.
  • This card has a $0 annual fee, meaning all the cash back you earn goes straight into your wallet.

CONS:

  • This card has a 3% foreign transaction free. You might consider leaving it at home and tucking another card in your wallet when you travel out of the country for business or pleasure.
  • You need good to excellent credit to be approved. And depending on that credit worthiness, your starting interest rate could be on the high side. If you tend to carry a substantial balance, month-to-month, your cash back could easily be devoured by interest payments.

Read our full CardName.

Current Scores Past Scores (avg.)
Overall Score 82.1 84.2
Rewards Program Satisfaction 8.1 8.4
Customer Service 8.4 8.6
Website/App Usability 8.4 8.3
Likelihood of Continuing to Use 8.7 9.0
Recommend to a Friend/Colleague 8.0 8.1

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued    Winner

EditorRating
 
foreign_fee AnnualFees
Why We Like It: This card comes with a $120 dining credit— a total of $10 in statement credits monthly when you pay with your card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations (enrollment required). Plus, earn a whopping 4X Membership Rewards® points at restaurants, as well as at U.S. supermarkets (on up to $25,000 per year in purchases at supermarkets, then one point per $1). American Express is a CardRatings advertiser.
Welcome Bonus
60,000 points Earn 60,000 Membership Rewards® points after you spend $4,000 on purchases within your first six months as a cardholder
Annual Fee
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

The Bonus: Earn 60,000 Membership Rewards® points after you spend $4,000 on purchases within your first six months as a cardholder.

The Annual Fee: AnnualFees

Rewards Rate: Earn four times the Membership Rewards® points at restaurants, plus takeout and delivery in the U.S.; four points at U.S. supermarkets (on up to $25,000 per year in purchases at supermarkets, then one point per $1); three times the Membership Rewards® points on flights booked directly with airlines or on amextravel.com; and one point per $1 on your other purchases.

Credit Score Needed:  CreditScoreNeeded

PROS:

  • This card is tailor made for folks who prefer to let others do the cooking. Cardholders can earn 4X points for every dollar spent on dining. This includes eating in, takeout and home delivery.
  • If you do happen to like cooking for yourself, you can also earn 4X points per dollar at U.S. supermarkets, up to $25,000 per year.
  • Another tasty perk comes in the form of an annual $120 ($10 a month) dining credit. Earn up to $10 in statement credits monthly when you pay with your card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations (enrollment required)
  • Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.

CONS:

  • Membership has its privileges but they come with a price tag. The annual fee is substantial if you don't plan to make regular use of the card.
  • As you may know, American Express encourages its members to pay off their balance every month. You do also have the option of "paying over time."
  • Another drawback, travel rewards must be redeemed through amextravel.com.

Read our full CardName

Current Scores Past Scores (avg.)
Overall Score 80.9 86.8
Rewards Program Satisfaction 8.0 8.6
Customer Service 8.3 8.9
Website/App Usability 8.1 8.6
Likelihood of Continuing to Use 8.2 9.0
Recommend to a Friend/Colleague 8.0 8.6

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued    Winner

EditorRating
 
foreign_fee AnnualFees
Why We Like It: This card earns 4X points on takeout, food delivery and dining out plus 2X points on streaming services, making it a great choice for a night in.
Welcome Bonus
20,000 points Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening
Annual Fee
AnnualFees
APR
Intro 0% APR for 12 billing cycles Enjoy intro 0% APR for 12 billing cycles on balance transfers made within the first 60 days and on purchases then RegAPR
Credit Score
CreditScoreNeeded

The Welcome Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. This bonus can be worth $200 toward merchandise, gift cards, cash back, travel and more. Plus, you can save on interest with an intro 0% APR for 12 billing cycles balance transfers made within the first 60 days and on purchases (then RegAPR).

Annual Fee: AnnualFees

Rewards Rate: Earn 4X points on takeout, food delivery and dining out; 2X points at grocery stores, on grocery delivery, at gas stations at EV charging stations and on streaming services; and 1X point per $1 on all other eligible purchases.

Credit Score Needed: CreditScoreNeeded

PROS:

  • This card has a $0 annual fee and doesn't charge foreign transaction fees. This makes it an attractive addition to your wallet when traveling out of the country.
  • U.S. Bank Altitude® Go Visa Signature® Card is a terrific card for foodies. You earn 4X points for each dollar spent on all dining options. You also earn 2X points on your grocery store, gas station, EV charging station and streaming services purchases.
  • To help get you started piling up points, you will earn 20,000 bonus points for spending just $1,000 over the first 90 days after the card is activated. The redemption rate is a penny a point when redeeming cash back, travel, gift cards or merchandise. That means if you make $3,000 in dining purchases over the first three months you have the card, you will have earned 32,000 points when you consider the welcome bonus, which translates to $320 in redemption value.
  • This card also offers an introductory interest rate of 0% for the first 12 billing cycles on balance transfers made within the first 60 days and on eligible purchases (then, RegAPR).

CONS:

  • You need excellent credit (720 or above) to be considered for this card. Not necessarily a con for everyone, but perhaps for someone with a low credit score.
  • After the introductory rate expires, your interest rate will jump to RegAPR, depending on credit worthiness.

Read our full CardName.

Current Scores Past Scores
Overall Score 71.7 84.7
Rewards Program Satisfaction 7.1 8.4
Customer Service 7.5 8.6
Website/App Usability 7.4 8.5
Likelihood of Continuing to Use 7.2 8.9
Recommend to a Friend/Colleague 6.8 8.3

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued    Winner

EditorRating
 
foreign_fee AnnualFees
Why We Like It: Not only does this card offer three points per dollar spent at restaurants, as well as bonus rewards in other popular categories, but it also offers access to Citi Concierge services, which provides 24/7 access to experts who can help with everything from booking dinner reservations to providing ideas for after-dinner activities.Citi is a CardRatings advertiser.
Limited Time Offer:
80,000 points For a limited time, earn 80,000 bonus points after spending $4,000 with your card within the first three months of opening the account
APR
RegAPR
Annual Fee
AnnualFees
Credit Score
CreditScoreNeeded

The Bonus: For a limited time, earn 80,000 bonus points after spending $4,000 with your card within the first three months of opening the account. This bonus can be worth $800 in gift cards if you redeem through thankyou.com.

The Annual Fee: AnnualFees

Rewards Rate:  Earn three points per dollar spent on air travel, hotels and at gas stations as well as supermarkets and restaurants. Earn one point per dollar on all other purchases.

Credit Score Needed: CreditScoreNeeded

PROS:

  • The bonus offered can be worth $800 if you redeem your points for gift cards with thankyou.com, which is huge considering the fact that the card carries such a low annual fee.
  • Whether you feel like dining out in your hometown or across the globe, you'll earn bonus rewards on it all, and save money thanks to no foreign transaction fees.
  • This card offers other bonuses such as $100 off a single hotel stay of $500 or more (excluding taxes and fees) through thankyou.com, each calendar year.

CONS:

  • There is an annual fee so you'll want to be sure you'll utilize the card enough to offset this cost.
  • The ThankYou Points program isn't as popular or well-known as some other rewards currency programs, but that doesn't mean it isn't valuable and worthwhile.

Read our full CardName.

Current Scores Past Scores (avg.)
Overall Score 76.7 Did not survey
Rewards Program Satisfaction 7.6 n/a
Customer Service 7.7 n/a
Website/App Usability 7.8 n/a
Likelihood of Continuing to Use 7.8 n/a
Recommend to a Friend/Colleague 7.8 n/a

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued    Winner

EditorRating
 
foreign_fee AnnualFees
Why We Like It: Trying to impress clients with a fancy meal? Heading out for a lunch meeting? Make sure you're earning rewards on these expenses by bringing along this credit card.
Welcome Offer
$750 New cardholders can earn a bonus of $750 after spending $7,500 within the first three months of card membership
Annual Fee
AnnualFees
APR
Intro 0% APR for 12 months Enjoy 12 months of intro APR on new purchases, then RegAPR
Credit Score
CreditScoreNeeded

The Bonus: New cardholders can earn a bonus of $750 after spending $7,500 within the first three months of card membership.

Annual Fee: AnnualFees

Rewards Rate: Earn 5% cash back on purchases at office supply stores and purchases of internet, cable and phone services (up to $25,000 in combined spending each account anniversary year). Also earn 2% back on the combined $25,000 spending each account year on gas station and restaurant purchases. Earn 1% back on your other purchases as well as in the bonus categories once you reach the spending cap.

Credit Score Needed: CreditScoreNeeded

PROS:

  • No annual fee is always a good place to start with any credit card.
  • This card offers an introductory rate of 0% on all purchases for 12 months (then, RegAPR). This can save a lot of money on interest.
  • By way of a signup bonus, you get the chance to earn $750 cash back when you spend at least $7,500 over the first three months after the card is activated. Not too shabby for a no-annual-fee card.
  • You also earn 5% cash back on the first $25,000 (combined expenditures) you spend on office supplies, internet, cable and phone service.

CONS:

  • After the 12-month introductory rate expires, your interest rate will jump to RegAPR.
  • You earn just 2% cash back on the first $25,000 (combined) spent each year at restaurants and gas stations. Other cards have a higher rewards offer on dining purchases.
  • There is no balance transfer introductory rate.

Read our full review of the CardName.

Current Scores Past Scores (avg.)
Overall Score 76.0 80.1
Rewards Program Satisfaction 7.5 7.9
Customer Service 7.8 8.1
Website/App Usability 7.6 8.1
Likelihood of Continuing to Use 7.9 8.3
Recommend to a Friend/Colleague 7.4 8.0

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

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FAQ

The CardName is considered to be one of the best credit credit cards for dining by many credit card experts. That's because this cash rewards credit card offers 3% cash back on dining as well as entertainment purchases, so it's perfect for a night out on the town. It also earns 3% back on streaming services and grocery store purchases so it's perfect if you feel like staying in, as well.

Another solid option is the CardName thanks to numerous other categories in addition to dining which cardholders can also earn rewards. This cash rewards credit card features 3% cash back at restaurants, including takeout and delivery, as well as 5% cash back on up to $1,500 spent in categories that rotate quarterly (activation required), 5% on travel purchased through Chase, 3% at drugstores, and 1% back on everything else. Furthermore, there’s no annual fee and new cardholders can earn a $200 bonus after spending $500 in within the first three months of opening an account.

Finally, if you're willing to pay an annual fee (See Rates and Fees), the CardName discontinued is another great restaurant credit card choice. This card offers a whopping four points at restaurants (including takeout and delivery in the U.S.) as well as four points on Uber Eats purchases. It also offers $10 in statement credits monthly when you pay with your card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations (enrollment required), up to $120 back.

Along with takeout, getting delivery from your favorite restaurant is increasingly popular, especially with services like UberEats and GrubHub gaining popularity. With delivery, you don’t even have to leave your house to enjoy your favorite meal. You can have nearly anything you feel like eating delivered to your house; however, earning rewards with credit cards for restaurants on those purchases could be a little trickier.

If you order directly from a restaurant and your meal is delivered by someone from that restaurant, you should still earn rewards in the same way you would if you actually dined there. It's when you use a third-party delivery service that could complicate things. Depending on your credit card, these delivery services might not always be coded as dining. UberEats might code as dining or restaurants with one issuer, allowing you to earn any bonus rewards you’d usually earn for dining out at restaurants (even though you had dinner delivered), while another issuer could code this as something else. In general, we've seen that the most popular food-delivery services are almost always coded as dining, but it's always best to check your card's fine print or contact the issuer if you have additional questions or concerns.

Occasionally, you'll even see certain credit cards for restaurants rewarding you with delivery service perks. For instance, the CardName offers cardholders unlimited food deliveries with a $0 delivery fee and reduced service fees on qualifying DoorDash orders.

If you're looking to truly maximize the amount of rewards you earn on your dining purchases, you may want to consider joining a dining rewards program. These programs allow you to earn extra miles or points in addition to what you already earn with your credit card, when dining at participating restaurants. Just sign up for the program of your choice, link your card(s), dine at a participating restaurant, and then after you pay, points/miles will be deposited into your account.

Some examples of these programs include:

Delta SkyMiles® Dining

New member bonus:New members earn bonus miles for making three purchases within 30 days of joining the program. An online review of each restaurant within 30 days of the visit is also required. Bonus miles are awarded as follows:

  • 500 bonus miles (1,000 miles for SkyMiles® Medallion members) for first purchase of $30 or more at a participating restaurant
  • 1,000 bonus miles for second purchase of $30 or more at a participating restaurant
  • 1,500 bonus miles for third purchase of $30 of more at a participating restaurant

Affiliated with Delta Air Lines, the SkyMiles® Dining program awards SkyMiles® to participants based on the following levels:

  • Basic: one mile per two dollars spent
  • Select: three miles per dollar spent
  • VIP: five miles per dollar spent

If you're a member of this dining rewards program you can earn as many as five points per dollar spent at participating restaurants. Now say you have the CardName discontinued, for example, which earns two miles per dollar spent at restaurants, and you link your card to the program, you stand to earn as many seven miles per dollar spent at a participating restaurant.

Hilton Honors Dining

New member bonus: Earn 5,000 bonus points by spending $25 and completing an online review within the first 30 days. Members must remain opted into email communications to receive the bonus.

As a hotel dining program, Hilton Honors Dining awards Hilton Honors points that can be redeemed for overnight stays and other rewards. Dining purchases earn points based on the following membership levels:

  • Basic: two points per dollar spent
  • Select: five points per dollar spent
  • VIP: eight points per dollar spent

Since this program allows you to earn as many as eight points per dollar spent at eligible restaurants, if you have a credit card which earns rewards on dining, such as the CardName discontinued, you stand to earn as many as 13 points on eligible dining purchases thanks to five points earned at U.S. restaurants with this card. That's an incredible value for a card that's not even specifically a credit card for dining!

To learn more about other programs and potential program/card strategies, check out our full guide to dining rewards programs.

And finally, here are some other ways foodies can maximize credit card rewards.


Survey Methodology: CardRatings commissioned Op4G in September and October 2021 to conduct surveys among 1,524 cardholders nationwide. CardRatings website analytics from Jan. 1, 2021-Aug. 31, 2021 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted. "Current Scores" reflect scores from the most recent survey; "Past Scores (avg.)" are the scores averaged over each prior year the card has been surveyed. "Past Scores" indicates a card has only been surveyed in one prior year.

Ranking Methodology: CardRatings experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often.

To see the rates and fees for the American Express cards mentioned in this post, please visit the following links: See Rates and Fees (CardName); CardName (See Rates and Fees); CardName (See Rates and Fees)

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The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

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