Best Dining Credit Cards for Meal Delivery, Takeout and Fast Food

Credit cards for takeout and meal delivery services offer valuable rewards at restaurants and grocery stores.

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Card Issuer Dining and Food Rewards Bonus Offer Annual Fee
Bank of America® Cash Rewards credit card 3% cash back on dining, including eligible takeout and delivery* Earn $200 after spending $1,000 during the first 90 days of account opening. $0
Bank of America® Premium Rewards® credit card 2x points on dining, including eligible takeout and delivery Earn 50,000 points after spending $3,000 during the first 90 days of account opening. $95
Chase Sapphire Reserve® 3X points on dining, including takeout and delivery services + free DashPass from DoorDash† Earn 50,000 Chase Ultimate Rewards Points after spending $4,000 on purchases in the first 3 months from account opening $550
Chase Sapphire Preferred® Card Free DashPass from DoorDash†

Earn 2x total points on up to $1,000 at grocery stores purchases per month through April 30, 2021.

Earn 60,000 Chase Ultimate Rewards Points after spending $4,000 on purchases in the first 3 months from account opening $95
American Express® Gold Card 4X points for takeout, delivery services and U.S. restaurants Earn 60,000 Membership Rewards Points after spending $4,000 on purchases on your new Card in your first 6 months $250
Capital One® Savor® Credit Card 3% back at restaurants, including takeout and most delivery services + 5% back with Uber Eats Earn a one-time $300 cash bonus after spending $3,000 on purchases within 3 months from account opening $95
Blue Cash Preferred® Card from American Express 6% back at U.S. supermarkets Earn $300 after spending $3,000 in purchases on your new Card in your first 6 months $95 (waived for first year)
Amazon Prime Rewards Visa Signature Credit Card 5% back at Whole Foods and Amazon Fresh Delivery $100 Amazon gift card $0 (Prime membership required)

‡Up to $6,000 per year in purchases (then 1%). †Complimentary DashPass valid for 1 year after activation. * Bonus spending category must be activated.

>>Review our methodology our credit card experts use to evaluate dining rewards cards.

*Jump to the most frequently asked questions about the best credit cards for dining.

Best Dining Credit Cards for Delivery, Takeout and Restaurants in March 2021

Everyone has to eat. Whether you are going to a favorite restaurant, hitting up the drive-thru or enjoying a home-cooked meal, there is a cost involved somewhere along the way. If you are swiping to check out at the grocery store or you want to pay at a restaurant, you might as well get the best possible credit card rewards in the process.

I’ve been working to maximize my credit card rewards since getting my first award flights to London, Paris and Amsterdam in 2011. Over the near-decade since, I’ve found how to use credit cards’ bonus cash back and travel rewards bonuses for supermarket and dining category purchases. If you consider yourself to be a foodie, it’s a good idea to look at some of the best cards so you get the best rewards for every dollar spent.

From American Express to Chase, these top credit cards offer accelerated dining rewards for takeout, fast food, sit-down restaurants and meal delivery services like UberEats, Grubhub, Postmates and DoorDash.

Bank of America® Cash Rewards credit card

One of the primary reasons people choose a Bank of America Cash Rewards credit card is its ability to earn cash on regular purchases. You’ll earn 3% cash back in one of the following categories of your choosing: dining, online shopping, travel, gas stations, drug stores and home improvement/ furnishings. By activating the dining bonus category, you can save 3% cash back for every dollar you spend at restaurants and eligible delivery and takeout services. You’ll earn the 3% and 2% cash rewards at grocery stores and wholesale clubs on the first $2,500 in combined spending each quarter. All other purchases earn a flat-rate 1% back. Read our full review of the Bank of America Cash Rewards card.

Purchase Category Rewards Rate Annual Limit
Dining 3% Back $2,500 combined spending each quarter
Grocery Stores 2% Back $2,500 combined spending each quarter
Wholesale Clubs 2% Back $2,500 combined spending each quarter
Other Purchases 1% Back No limit

Because you can change the 3% bonus categories monthly, the Bank of America Cash Rewards credit card is more versatile than many of the other best credit cards for restaurants. The card can adapt to your household spending based on any budgeted future expenses like a home remodel or holiday travel.


Bank of America® Premium Rewards® credit card

Premium credit cards with large annual fees often require a lot of spending to justify paying so much money. Similar to the Chase Sapphire Preferred, the Bank of America Premium Rewards credit card offers a flat-rate 2x points per dollar spent on both dining and travel-related purchases. Additionally, there’s no limit to how many online points you can earn. Plus, the Bank of America Premium Rewards card features flexibility to choose how you redeem your points: redeem for cash back as a deposit into a Bank of America checking or savings accounts, for credit to eligible Merrill® accounts, as a statement credit to your credit card or for gift cards and purchases at the Bank of America Travel Center.

Purchase Category Rewards Rate Annual Limit
Dining and Travel Purchases 2x Points $2,500 combined spending each quarter
All other purchases 1x Points $2,500 combined spending each quarter

The card has a reasonable $95 annual fee that offers valuable benefits to cardholders. You’ll receive a large 50,000-point sign-up bonus (redeemable for $500 worth of travel expenses), an unlimited 2x points on travel and dining purchases, TSA Pre✓® or Global Entry reimbursement, no foreign transaction fees and $100 every year in airline incidental fee credits. Plus, if you become a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. Read our full review of the Premium Rewards credit card.


Chase Sapphire Reserve®

The Chase Sapphire Reserve® is well known as the premier luxury travel card. However, as a dining rewards credit card, it also shines. In addition to awarding 3x Chase Ultimate Rewards Points per dollar spent at restaurants worldwide, including takeout, meal delivery and even fast food, the Chase Sapphire Reserve also offers a complimentary DashPass from the meal delivery service DoorDash. Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases. (This offer must be activated by December 31, 2021.)

Bonus Categories Chase Ultimate Rewards Rate Annual Limit
Dining, including takeout and delivery services 3x points No limit
Travel 3x points No limit
Other Purchases 1x point No limit

In addition to travel credits and dozens of other benefits, the Chase Sapphire Reserve also gives you access to $120 in statement credits on DoorDash purchases through December 31, 2021. That’s $60 in statement credits each calendar year. Our full review details all of the hidden benefits of the Chase Sapphire Reserve.


Chase Sapphire Preferred® Card

There’s no one best rewards credit card that’s right for everyone, but the Chase Sapphire Preferred® Card actually works like having over a dozen different rewards credit cards. That’s because it allows you to transfer your rewards to miles with 10 airlines and points with three hotel programs. Although it might not be ideal for the most frequent travelers and highest spenders, it’s part of a family of Chase cards that has a built-in upgrade path. So when it comes time to take your credit card rewards game to the next level, you won’t have to start from scratch with an entirely different card and rewards program.

Bonus Categories Chase Ultimate Rewards Rate Annual Limit
Dining, including takeout and delivery services 2x points No limit
Grocery Stores 2x points $1,000 per month through April 30, 2021.
Travel 2x points No limit
Other Purchases 1x point No limit

New cardholders can earn up to $50 in statement credits for grocery store purchases during the first year of card membership. This means when you shop at supermarkets, your new Chase Sapphire Preferred card will reimburse you for the first $50 you spend.

Additionally, cardmembers earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.

Chase Sapphire Preferred cardholders also receive a complimentary DashPass subscription from the restaurant delivery service DoorDash. Although the DashPass is a limited-time benefit, it will last a minimum of one year after activating the offer by December 31, 2021. Read our full review of the Chase Sapphire Preferred.


American Express® Gold Card

Annual Fee $250
Welcome Bonus Earn 60,000 Membership Rewards Points after you spend $4,000 on purchases on your new Card in your first 6 months
Intro APR None
Foreign Transaction Fees None
Apply Secure Website

If groceries or dining rewards for takeout, fast food and meal delivery are a big part of your budget, you should know about the American Express® Gold Card. This premium rewards card gives you 4x Membership Rewards Points per dollar at U.S. supermarkets (up to $25,000 per year in purchases) and 4x points on all restaurant purchases worldwide with no limits. Plus, the American Express Gold Card welcome bonus and statement credits are nothing to sneeze at. Read our full review of the Gold Card.

Bonus Categories Membership Rewards Points Rate Annual Limit
Restaurants worldwide, including takeout and delivery services 4x points No limit
Grocery Stores 4x points No limit
Other Purchases 1x point No limit

The American Express Gold Card has partnerships that provide you with even more dining rewards. When you order food from Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed and participating Shake Shack locations you can earn up to $10 in statement credits monthly when you pay with the Gold Card. This can be an annual savings of up to $120. Enrollment required.


Savor® Rewards from Capital One®

Annual Fee $95
Sign-Up Bonus Earn a $300 one-time cash bonus after spending $3,000 on purchases in the first 3 months
Intro APR None
Foreign Transaction Fees None
Apply Secure Website

Not only does the Savor Rewards from Capital One feature 4% cash back on entertainment and dining purchases, including takeout and most delivery services, this card also offers 5% cash back on every order with Uber Eats (promotion doesn’t expire until January 31, 2021). If you do the math on your dining, entertainment and grocery store spending habits, it’s easy to find a path to earning a profit with this card in your wallet.

Bonus Categories Rewards Rate Annual Limit
Dining, including takeout and most delivery services 4% back No limit
Entertainment 4% back No limit
Grocery Stores 2% back No limit
Other Purchases 1% back No limit

The main drawback is the card’s annual fee. However most people will earn more than $100 in cash-back rewards with regular use, which will offset the cost of the hefty annual fee. Capital One offers a similar no-annual-fee version of this card called the SavorOne®. It earns less cash back on eligible purchases, but has the same bonus categories.


Blue Cash Preferred® Card from American Express

Annual Fee $0
Welcome Bonus Earn $300 statement credit after spending $3,000 in purchases on your new Card in your first 6 months.
Intro APR Yes
Foreign Transaction Fees Yes
Apply Secure Website

It doesn’t matter who you are or where you spend your money. There are a few budget items that almost all of us share. Whether you make every meal from scratch or balance home cooking with takeout and meal delivery services, the Blue Cash Preferred Card from American Express rewards you with some of the highest cash-back rates available. Combine that with shopping perks and protections, and it’s easy to see why this card is often touted as the best all-around family credit card on the market today. Read our full review of the Blue Cash Preferred Card.

Bonus Categories Rewards Rate Annual Limit
U.S. Supermarkets 6% back Up to $6,000 per year in purchases
Select U.S. Streaming Service 6% back No limit
Transit 3% back No limit
U.S. Gas Stations 3% back No limit
Other Purchases 1% back No limit

The American Express Blue Cash Preferred Card is worth considering if there’s a good chance of recouping the annual fee — and then some, hopefully — over the course of the year. If you don’t feel that you’ll earn at least the annual fee back in rewards, however, it might be worth looking at American Express’ no-fee version of this card, the Blue Cash Everyday Card.


Amazon Prime Rewards Visa Signature Credit Card

Annual Fee $0
Sign-Up Bonus $100 gift card
Intro APR None
Foreign Transaction Fees None
Apply Secure Website

The Amazon Prime Rewards Visa is a no-brainer for people with an Amazon Prime membership. The card has no annual fee and gives you an impressive 5% back on all Amazon purchases as long as you keep Prime active. But those benefits go well beyond the books and other items that Amazon first built its reputation on. Read our full review on the Amazon Prime Visa.

Bonus Categories Rewards Rate Annual Limit
Amazon 5% back No limit
Whole Foods 5% back No limit
Amazon Fresh 5% back No limit
Restaurants, including takeout and most delivery services 2% back No limit
Gas Stations 2% back No limit
Drug Stores 2% back No limit
Other Purchases 1% back No limit

The 5% back extends to Amazon-owned Whole Foods and grocery delivery from Amazon. If your family uses a grocery delivery service regularly, switching to this card for Whole Foods and Amazon Fresh could work out to be a good deal. It also offers 2% cash back at restaurants, gas stations, and drugstores. Even if it isn’t your daily card for all purchases, it works very well when used for strategic purchases at Amazon and its family of brands.

Methodology: How We Choose the Best Credit Cards

We chose our best rewards credit cards based on the total value they offer to cardholders through ongoing rewards, sign-up bonuses, 0% APR promotions and other perks. We also broke the cards down into clear categories that highlight features that credit card users are typically interested in — for example, premium travel vs. general travel, flat rewards vs. tiered rewards and so on.

While some cards charge annual fees, we only picked ones that make it easy to make up for them with the value they provide. Before you apply, though, take some time to compare these cards with other top credit card offers to make sure you get the best fit for you.

Frequently Asked Questions About Dining Rewards Credit Cards

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What Is an Annual Fee?

An annual fee is a set charge that occurs yearly. For credit cards with annual fees, the card issuer applies the charge to your account as soon as you are approved. You will see that same charge on your card anniversary. If you do not pay the annual fee, you will start to pay interest on it.

Since your annual fee is applied to your charge account automatically, that will affect your credit card limit. For example, if you applied for a card with a $5,000 credit limit and the annual fee is $95, your new credit limit will be $4,905 until you pay your bill. Keep this in mind if you are hoping to use your new card for a big purchase right after signup.

Annual fees do not count for sign-up bonuses and they do not earn bonus points or cash back.

Annual fees vary by card, with most fees starting at $95. Some cards, like the Chase Sapphire Reserve, charge a larger annual fee, but the card also comes with more rewards like an annual travel credit. Whereas the Citi Double Cash Card does not charge an annual fee.

Once you open a rewards credit card, and you’re comfortable managing it, it’s smart to become familiar with credit card bonus categories. Some cards offer higher rewards when you spend money on specific types of eligible purchases. For example, the Chase Sapphire Reserve® Card gives you 3X bonus points when you use the card to pay for dining or travel-related expenses.

Tips on Maximizing Dining Rewards With Credit Cards

I have three cards on this list already. Because I pay off my balances in full every month before the due date, I’ve never paid a cent of credit card interest. I keep close tabs on my annual fees to ensure every card in my collection rewards me more than it costs.

Because you have to eat anyway, you may as well get rewarded for it with bonus points. With any of these great credit cards for foodies and dining in your wallet, you’ll get valuable cash-back or travel rewards with every restaurant or grocery store visit. That’s something anyone can enjoy.

Tips to Improve Credit Scores

If you don’t have a strong credit score, you may be wondering what your chances are of getting approved for a card. Unfortunately, it’s difficult to say because credit card issuers don’t disclose their eligibility criteria publicly. However, here are some tips for improving your chances of getting your next credit card.

  • Improve your credit score: If your credit score isn’t in great shape, consider working on improving it before you apply for a new account. Check your credit report to see which areas need work and address them as quickly as possible.
  • Apply within your credit range: Rewards credit cards are appealing, but most of them require good or excellent credit (that’s a FICO credit score of 670 or higher). If your credit score isn’t quite there yet, focus on cards that market to people who are working on building their credit.
  • Don’t give up: If you’ve had a credit card application declined recently, it can be easy to take it personally or get discouraged. In some cases, you may be able to call and ask them to reconsider. If they won’t, just because one card issuer denied you, it doesn’t mean all of them will. While it’s best to avoid applying for multiple credit cards in a short period, don’t be afraid to apply again in the future.

As you follow these steps and consider these tips to improve your credit score, you’ll be in a better position to apply for and get the credit card you want to have.

How to Choose a Rewards Credit Card for Buying Groceries

With so many different reward cards and travel rewards cards out there, how do you know which is right for you? The easiest way to know which card is best is to evaluate your spending.

Where do you spend the most money? Once you know where your money is going, you can choose a card that will reward you the most in that category of spending.

It is also a good idea to consider how much time you want to invest in your reward card. Do you want to keep up with rotating category bonuses and make sure you are getting the best flight deals for your points? Or would you rather something easier like a card that earns a flat rate cash back or bonus points on eligible purchases?

There is no wrong answer, but you need to know these answers to understand which card will best benefit your lifestyle.

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Eric Rosenberg

Eric Rosenberg is a finance, travel, and technology writer in Ventura, California. He is a former bank manager and corporate finance and accounting professional who left his day job in 2016 to take his online side hustle full-time. He has in depth experience writing about banking, credit cards, investing, business, and other financial topics. When away from the keyboard, Eric enjoys exploring the world and spending time with his wife and little girls. You can connect with him at Personal Profitability or EricRosenberg.com.

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