Best Dining Rewards Credit Cards 2018

Compare the best dining rewards credit cards.

The Three Best Dining Rewards Credit Cards

For anyone trying to save money, dining out can /seem like an unneeded expense. You can spend enough on a single night out as you’d usually spend on a week’s worth of groceries. But, it doesn’t have to be this way. For foodies who like to dine out, the best dining rewards cards can be a lifesaver. Not only do they allow you to dine out on a budget, but you also earn rewards while doing so. You can combine the best dining rewards credit cards with dining coupons for even more savings.

However, how do you know you have the best dining rewards credit card? There are hundreds of cards to choose from, and this can be overwhelming. Lucky for you, we’ve rounded up the top three dining rewards cards. Read on to find out if one of these three cards is a good fit for your lifestyle. You can be on your way to dining out and saving money!

Discover It Card

The Discover it® Card makes our best dining rewards list due to its huge cashback bonus opportunity. From 7/1/18 to 9/30/18, card members will get 5% cash back on dining out. This does cap at $1,500 in purchases, but it’s a huge way to dine out on a budget. You have to make these purchases at full-service restaurants, cafeterias, fast food, or cafes to get the 5% bonus.

Once you’ve earned your rewards, the lender will add them to your statement within two billing cycles. Also, Discover will match all of your earnings in the first year. This means that you have the potential to earn up to 10% for dining out. Also, Discover has a history of favoring dining out. Over the past few years, the third quarter bonus category has been restaurants and dining out.

You have to be careful how you pay for your dining out because it may affect your eligibility for rewards. Using tap and pay, virtual wallets, or mobile or wireless card readers may not count. If you’re unsure, double check your card’s terms and conditions. This way, you’ll know whether or not you’re maximizing your rewards and getting the best dining rewards possible.

Capital One Savor

The Capital One Savor card is another way to earn the best dining rewards possible. Another perk of using this card is that you don’t have to keep track of categories or peak usage times. It’s a flat-rate reward rate 365 days a year, and this is good news for foodies. If you pair this with the Discover It card, you’ll get an excellent year-round dining rewards rate.

The Capital One Savor offers cardholders 3% cash back on dining out! All you have to do to get his rate is dine out and pay with your card. You’ll also get the flexibility to choose several dining out options. It counts at Starbucks, food trucks, bakeries, and fine dining establishments. These rewards don’t expire, and this means you can stack them year-round and redeem them at one time. Plus 2% cash back on purchases at grocery stores!

You’ll save when you first get the card as well. If you spend just $500 in the first three months, you’ll earn a $150 bonus. This means you only have to spend $167 per month to get this reward. If you use this card exclusively to dine out, it’s very doable. There’s also no annual fee, so you don’t have to try and balance out your rewards with the cost.

Chase Sapphire Reserve Card

The final best dining rewards card is by Chase. The Chase Sapphire Reserve Card is slightly more tricky to have and justify. It does come with a high $450 annual fee, but it’s a good rewards card. So, if you use this card correctly, you can easily justify having it. Aside from being a good rewards card for foodies, it’s also great for people who travel.

To start, you’ll get three reward points when you dine out with this card. If you dine out a lot, this has the potential to add up very quickly. It’s also an excellent choice for dining while you travel. This is the key to getting the most rewards out of this card. The credit card signup bonus is outstanding. Spend $4,000 in the first four months, the bonus adds up to 50,000 points or $750 in travel rewards.

Combine this with the best dining rewards, and you have a powerful combination. After this time, it will be slightly harder to have it without using it a lot. But, if you maximize your dining rewards, it can be worth it.

Bottom Line

It is very possible to dine out regularly on a budget. These best dining rewards cards can help. As long as you’re smart about your cards, you can benefit from a lot of rewards. The first two cards on our list can work in tandem to help you maximize your rewards. The final card is more for a combination of travel and dining, but you can make it work.

All of these cards offer easy ways to save while you enjoy dining out. As long as you use them responsibly, you can reap the benefits. Be sure to read each card’s terms and conditions, so you’re sure you get your dining rewards. All in all, you’re free to enjoy dining out and earning with these cards.



CreditFast has reviewed the best cash back credit cards on the market. Some of the credit card offers are from our advertising partners. CreditFast has objectively reviewed the features and benefits of each cash back credit card. We have chosen credit card offers based on our editor’s recommendations.

Monica Kowollik

Director at CreditFast.com
Monica has covered credit card and personal finance news for over 15 years. From an early age, she developed an interest in financial literacy and saving money. Monica hopes to help others to improve their personal finances one article at a time.

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