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Best Cash Back Credit Card For Restaurants In USA

Top 5 restaurant cash-back cards

Capital One Savor Cash Rewards review: Unlimited cash back for no annual fee

1. Capital One Savor

Best overall

3% cash back

$0 annual fee

• Unlimited 3% on dining.

• Includes eligible takeout and delivery.

• Also 3% on groceries, entertainment and popular streaming.

• No foreign transaction fees.

Official card details

U.S. Bank Altitude Go Visa Signature Card | Intuit Credit Karma

2. U.S. Bank Altitude Go

4X points

$0 annual fee

• 4X points on eligible dining, takeout and delivery.

• $2,000 quarterly dining spending limit.

• 2X at grocery stores, gas stations and streaming services.

Best for: Higher dining rewards without an annual fee.

CNBC+1

Official card details

Is the Chase Freedom Unlimited 3x Everywhere Offer Worth a 5/24 Slot? - The Points Guy

3. Chase Freedom Unlimited

3% cash back

$0 annual fee

• 3% on dining at restaurants.

• Includes eligible takeout and delivery.

• 1.5% on other purchases.

• Rewards can be combined with eligible Chase Sapphire cards.

Best for: Restaurant spending plus everyday purchases.

NerdWallet

Official card details

Wells Fargo Autograph Card review: No frills and high rewards

4. Wells Fargo Autograph

3X points

$0 annual fee

• 3X points on eligible dining.

• Also earns on travel, gas, transit and streaming.

• No foreign transaction fees.

Best for: Dining rewards with international travel benefits.

NerdWallet

Official card details

This Is The Perfect Card For Dining And Groceries: American Express Gold Card Review

5. American Express Gold Card

4X points

$325 annual fee

• 4X Membership Rewards points at restaurants worldwide.

• Up to $50,000 in restaurant purchases per calendar year, then 1X.

• Also earns 4X at U.S. supermarkets on eligible purchases.

Best for: People who value airline transfers and premium dining rewards.

CNBC+1

Official card details

Quick comparison

My recommendation

• Best overall cash back: Capital One Savor.

• Highest no-fee dining rewards rate: U.S. Bank Altitude Go.

• Best for Chase points: Chase Freedom Unlimited.

• Best for international dining and travel points: Amex Gold.

Estimate your restaurant rewards

For example, with $500 monthly restaurant spending:

Point values depend on redemption method.

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