{"id":20928,"date":"2025-01-26T23:59:59","date_gmt":"2025-01-26T23:59:59","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=20928"},"modified":"2026-03-30T17:50:17","modified_gmt":"2026-03-30T17:50:17","slug":"best-credit-card-for-dining-restaurants","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/best-credit-card-for-dining\/","title":{"rendered":"The Best Credit Cards for Dining and Restaurants in 2026: Maximize Rewards on Every Bite"},"content":{"rendered":"<p>Searching for the best credit card for dining and restaurants in 2026? With dining out and ordering in being a staple of daily life, maximizing rewards on these purchases is now more important than ever. Whether you're a food enthusiast or just grabbing a quick bite after a long day, the right credit card can turn every meal into an opportunity to earn valuable rewards that can put a little extra back in your pocket or help translate to that next vacation.<\/p>\n<p>A significant portion of most food budgets goes to dining out, which creates a golden opportunity to rack up points or cash back with the right credit card. If you're not using a card tailored for dining rewards, you're leaving significant money on the table.<\/p>\n<p>Here's a quick overview of the top options:<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-0 compare-p-\"><\/div>\n<p>But there's a lot more to choosing the right card. Read on for more about how to pick the best dining credit card for you.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#How_To_Choose_the_Best_Credit_Cards_for_Restaurants_and_Dining_Out_in_2026\">How To Choose the Best Credit Cards for Restaurants and Dining Out in 2026<\/a><\/li><li><a href=\"#Overview_of_the_Best_Rewards_Credit_Cards_for_Dining_Restaurants\">Overview of the Best Rewards Credit Cards for Dining & Restaurants<\/a><\/li><li><a href=\"#Best_Flexible_Rewards-Earning_Credit_Cards_for_Restaurants\">Best Flexible Rewards-Earning Credit Cards for Restaurants<\/a><ul><li><a href=\"#Considering_alternatives_to_the_Amex_Gold\">Considering alternatives to the Amex Gold?<\/a><\/li><\/ul><\/li><li><a href=\"#Best_Credit_Card_for_Dining_With_No_Annual_Fee\">Best Credit Card for Dining With No Annual Fee<\/a><\/li><li><a href=\"#Best_Credit_Card_for_Earning_Cash_Back_on_Dining\">Best Credit Card for Earning Cash Back on Dining<\/a><\/li><li><a href=\"#Best_Dining_Rewards_Card_for_Small_Businesses\">Best Dining Rewards Card for Small Businesses<\/a><\/li><li><a href=\"#Stack_With_a_Dining_Program_for_More_Earnings\">Stack With a Dining Program for More Earnings<\/a><\/li><li><a href=\"#What_Purchases_Are_Included_in_the_Dining_Restaurant_Category\">What Purchases Are Included in the Dining & Restaurant Category?<\/a><ul><li><a href=\"#Chase\">Chase<\/a><\/li><li><a href=\"#Citi\">Citi<\/a><\/li><li><a href=\"#American_Express\">American Express<\/a><\/li><li><a href=\"#Capital_One\">Capital One<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><li><a href=\"#Best_Credit_Card_For_Dining_Purchases_FAQ\">Best Credit Card For Dining Purchases FAQ<\/a><ul><li><a href=\"#Which_dining_credit_card_is_best\">Which dining credit card is best?<\/a><\/li><li><a href=\"#Is_it_better_to_use_debit_or_credit_cards_to_buy_dinner_at_a_restaurant\">Is it better to use debit or credit cards to buy dinner at a restaurant?<\/a><\/li><li><a href=\"#Why_do_some_restaurants_not_accept_American_Express_cards_even_if_these_cards_offer_excellent_dining_rewards\">Why do some restaurants not accept American Express cards, even if these cards offer excellent dining rewards?<\/a><\/li><li><a href=\"#What_is_the_best_cash-back_credit_card_for_restaurants\">What is the best cash-back credit card for restaurants?<\/a><\/li><li><a href=\"#Does_buying_food_on_a_credit_card_build_credit\">Does buying food on a credit card build credit?<\/a><\/li><\/ul><\/li><\/ul><\/div>\n\n<h2><span id=\"How_To_Choose_the_Best_Credit_Cards_for_Restaurants_and_Dining_Out_in_2026\">How To Choose the Best Credit Cards for Restaurants and Dining Out in 2026<\/span><\/h2>\n<p>Choosing the best credit card for dining out and restaurant purchases is a decision that should be tailored to your individual needs and preferences. Are you chasing <a target=\"_blank\" href=\"\/credit-cards\/best-flexible-rewards-points-travel\/\" rel=\"noopener\">flexible rewards points<\/a>\u00a0that transfer to airline or hotel partners? Or do you prefer earning\u00a0<a target=\"_blank\" href=\"\/credit-cards\/maximize-fixed-value-points-miles\/\" rel=\"noopener\">fixed-value rewards<\/a> to pay for other expenses? Maybe you would rather earn cash back on dining.<\/p>\n<p>Here are some considerations to keep in mind when choosing the best credit cards for restaurants:<\/p>\n<ul>\n<li><strong>Spending habits:<\/strong> Examine how often you dine out and how much you spend on average. This will help you determine the potential returns you can get from a card's rewards structure and evaluate whether these are worth an annual fee in exchange for higher earnings.<\/li>\n<li><strong>Rewards and benefits:<\/strong> Are you more interested in flexible rewards points that can be transferred to airline or hotel partners? Or perhaps you're leaning towards fixed-value rewards points that you can use at restaurants or for other travel expenses like car rentals. Evaluate the rewards rates and benefits of each card.<\/li>\n<li><strong>Fees:<\/strong> Always be mindful of any annual fees or other charges associated with the card. Sometimes, a card may offer great rewards, but the fees might negate the benefits.<\/li>\n<\/ul>\n<p>No matter your goal, we want to help you maximize your purchases. To that end, let's dive into our list of the best credit cards for restaurants and dining and see which card takes the top spot.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-cards-food-delivery\/\" rel=\"noopener\">Use These Credit Cards for Free Food Delivery Perks<\/a><\/strong><\/p>\n<figure id=\"attachment_143257\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-143257 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Priscilla-Du-Preez-Unsplash-friends-at-restaurant-featured-300x240.png\" alt=\"friends dine together at a long table at a restaurant\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Priscilla-Du-Preez-Unsplash-friends-at-restaurant-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Priscilla-Du-Preez-Unsplash-friends-at-restaurant-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Priscilla-Du-Preez-Unsplash-friends-at-restaurant-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Priscilla-Du-Preez-Unsplash-friends-at-restaurant-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Priscilla Du Preez\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Overview_of_the_Best_Rewards_Credit_Cards_for_Dining_Restaurants\">Overview of the Best Rewards Credit Cards for Dining & Restaurants<\/span><\/h2>\n<p>We've got most of the bases covered with the cards detailed below. However, to present an even broader perspective of the category, we've created a table covering most of the major cards. For candidates to make it into this table, the card needs to provide at least a 3% return on restaurant spending.<\/p>\n<p>\n<table id=\"tablepress-143\" class=\"tablepress tablepress-id-143 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Credit Card<\/th><th class=\"column-2\">Points Earned on Dining & Restaurants<\/th><th class=\"column-3\">Other Bonus Categories<\/th><th class=\"column-4\">Annual Fee<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a data-ccid=\"10\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-prestige\/\" target=_blank>Citi Prestige<sup>\u00ae<\/sup> Card<\/a> (no longer open to new applicants)<\/td><td class=\"column-2\">5X ThankYou<sup>\u00ae<\/sup> Points on dining<\/td><td class=\"column-3\">&#8226; 5X points airfare<br \/>\n&#8226; 3X points on hotels and cruise lines<\/td><td class=\"column-4\">$495<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" rel=\"noopener nofollow sponsored\">American Express<sup>\u00ae<\/sup> Gold Card<\/a><\/td><td class=\"column-2\">4X at restaurants worldwide (on up to $50,000 per year, then 1X), plus takeout and delivery in the U.S<\/td><td class=\"column-3\">&#8226; 4X points at US supermarkets (on up to $25,000 per year)<br \/>\n&#8226; 3X points on airfare on a scheduled flight charged directly with the airline or amextravel.com (charter flights\/private jet flights excluded)<\/td><td class=\"column-4\">$325   (<a data-ccid=\"4028085\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/91101-10-0\/?print#terms-details\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/a><\/td><td class=\"column-2\">4X points at U.S. restaurants (if it's one of the 2 eligible categories where your business spends the most in a billing cycle) <\/td><td class=\"column-3\">4X Membership Rewards<sup>\u00ae<\/sup> points on the 2 eligible categories where your business spent the most each billing cycle including: <br \/>\n<br \/>\n\u2022 U.S. purchases for advertising in select media (online, TV, radio)<br \/>\n\u2022 U.S. purchases made from electronic goods retailers and software & cloud system providers<br \/>\n\u2022 U.S. purchases at gas stations<br \/>\n\u2022 U.S. purchases at restaurants, including takeout and delivery<br \/>\n\u2022 Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways<br \/>\n\u2022 Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.<br \/>\n<br \/>\n*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year Then earn 1 point per dollar.<br \/>\n<br \/>\n3X points on prepaid airfare and hotels at AmexTravel.com or the Amex Travel App\u2122<\/td><td class=\"column-4\">$375  (<a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" rel=\"noopener nofollow sponsored\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">3X ThankYou<sup>\u00ae<\/sup> Points on dining<\/td><td class=\"column-3\">&#8226; 10X points on hotels, car rentals, and attractions booked through CitiTravel.com<br \/>\n&#8226; 3X points on airfare and other hotels<br \/>\n&#8226; 3X points on gas and EV charging <br \/>\n&#8226; 3X points on groceries<\/td><td class=\"column-4\">$95<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=0dab4efd6c9350afc28a4711574883772&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">3X points on dining worldwide<\/td><td class=\"column-3\">&#8226; 8X points on all purchases through Chase Travel\u2120<br \/>\n&#8226; 4X points on flights and hotels booked directly<br \/>\n&#8226; 1X points on all other purchases<\/td><td class=\"column-4\">$795<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048174\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-green-card\/\">American Express<sup>\u00ae<\/sup> Green Card<\/a><\/td><td class=\"column-2\">3X on eligible purchases at restaurants worldwide, including takeout and delivery in the US.<\/td><td class=\"column-3\">3X Membership Rewards<sup>\u00ae<\/sup> points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals, plus 3X on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways<\/td><td class=\"column-4\">$150 <\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048224\" href=\"\/blog\/link\/ChaseFreedomFlex\" rel=\"noopener nofollow sponsored\">Chase Freedom Flex\u2120<\/a><\/td><td class=\"column-2\">3% on dining at restaurants, including takeout and eligible delivery services<\/td><td class=\"column-3\">&#8226; 5% on up to $1,500 on combined purchases in quarterly bonus categories from the <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\" target=\"new\" rel=\"noopener\">Chase Freedom calendar<\/a><br \/>\n&#8226; 5% on travel purchased through Chase Ultimate Rewards<br \/>\n&#8226; 3% on drugstore purchases<\/td><td class=\"column-4\">$0<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" rel=\"noopener nofollow sponsored\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=060bf86024e09f7ee2e5675542b9ea26a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">3% on dining at restaurants<\/td><td class=\"column-3\">&#8226; 5% on travel purchased through Chase Travel\u2120<br \/>\n&#8226; 3% on drugstore purchases<br \/>\n&#8226; 1.5% on all non-bonus purchases<\/td><td class=\"column-4\">$0<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0c1c4e8f0665c64a457f704ec8446ed42&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">3X points on dining<\/td><td class=\"column-3\">&#8226; 5X points on travel purchased through Chase<br \/>\n&#8226; 3X points on eligible streaming services<br \/>\n&#8226; 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)<br \/>\n&#8226; 2X points on all other travel<\/td><td class=\"column-4\">$95<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048222\" href=\"\/blog\/link\/USBankAltitudeGoVisaSignatureCard\" rel=\"noopener nofollow sponsored\">U.S. Bank Altitude<sup>\u00ae<\/sup> Go Visa Signature<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">4X points on takeout, food delivery, and dining (on up to $2,000 spent each quarter)<\/td><td class=\"column-3\">&#8226; 2X points at grocery stores, grocery delivery, streaming services, and gas stations<\/td><td class=\"column-4\">$0<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a><\/td><td class=\"column-2\">Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">$0  (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048129\" href=\"\/blog\/link\/CR-CapitalOneSavorCard\" rel=\"noopener nofollow sponsored\">Capital One Savor Cash Rewards Credit Card<\/a><\/td><td class=\"column-2\">3% cash back on dining<\/td><td class=\"column-3\">&#8226; 8% cash back on Capital One Entertainment purchases<br \/>\n&#8226; 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel<br \/>\n&#8226; 3% cash back on entertainment<br \/>\n&#8226; 3% cash back on popular streaming services<br \/>\n&#8226; 3% cash back at grocery stores<\/td><td class=\"column-4\">$0<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3006104\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/costco-credit-card\/\">Costco Anywhere Visa<sup>\u00ae<\/sup> Card by Citi<\/a><\/td><td class=\"column-2\">3% cash back on restaurants<\/td><td class=\"column-3\">&#8226; 4% cash back on gas and EV charging purchases (up to $7,000 per year, then 1% after that)<br \/>\n&#8226; 3% cash back on eligible travel purchases<br \/>\n&#8226; 2% cash back at Costco stores and Costco.com<\/td><td class=\"column-4\">$0<\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048260\" href=\"\/blog\/link\/CR-USBankTripleCashRewardsVisaBusinessCard\" rel=\"noopener nofollow sponsored\">U.S. Bank Business Triple Cash Rewards World Elite Mastercard<sup>\u00ae<\/sup><\/a><\/td><td class=\"column-2\">3% cash back at restaurants<\/td><td class=\"column-3\">&#8226; 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center<br \/>\n&#8226; 3% cash back on eligible purchases at gas stations and EV charging stations<br \/>\n&#8226; 3% cash back at office supply stores<br \/>\n&#8226; 3% cash back at cell phone service providers<\/td><td class=\"column-4\">$0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n<p>Below, we\u2019ll guide you through the best options for each rewards category.<\/p>\n<h2><span id=\"Best_Flexible_Rewards-Earning_Credit_Cards_for_Restaurants\">Best Flexible Rewards-Earning Credit Cards for Restaurants<\/span><\/h2>\n<p>Of the best dining cards currently open to new applicants, the <a data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" rel=\"noopener nofollow sponsored\">American Express<sup>\u00ae<\/sup> Gold Card<\/a> delivers the most bang for your buck at your favorite eatery over the long term. That's because it earns 4X <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/\" rel=\"noopener\">Membership Rewards<\/a> points per dollar on up to $50,000 spent each calendar year (then 1X) at restaurants worldwide \u2014 including takeout and delivery in the U.S.<\/p>\n<p><div class=\"qs-card\" data-id=\"4028085\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Gold Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/104\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/CardArt-AmexGoldCard.png\" width=\"150\" alt=\"American Express\u00ae Gold Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='American Express\u00ae Gold Card' data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028085\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/91101-10-0\/?print#terms-details\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Gold Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$325<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The American Express<sup>\u00ae<\/sup> Gold Card stands out for its robust rewards, especially for food enthusiasts. It offers 4X points on dining worldwide (up to $50,000 per year, then 1X) and U.S. supermarkets (up to $25,000 per year, then 1X), and 3X points on flights booked directly with airlines or through American Express Travel<sup>\u00ae<\/sup>. Cardholders can take advantage of multiple annual dining credits at select locations and up to $120 in Uber Cash credits for U.S. rides and Uber Eats (received as $10 monthly credits), just add your American Express<sup>\u00ae<\/sup> Gold Card to your account in the Uber app and select it as the payment method. Enrollment required for select American Express benefits.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>You may be eligible for as high as 100,000 Membership Rewards&#xAE; Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.  Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.<\/li><li>Earn 4X Membership Rewards&#xAE; points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.<\/li><li>Earn 4X Membership Rewards&#xAE; points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.<\/li><li>Earn 3X Membership Rewards&#xAE; points per dollar spent on flights booked directly with airlines or on AmexTravel.com.<\/li><li>Earn 2X Membership Rewards&#xAE; points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.<\/li><li>Earn 1X Membership Rewards&#xAE; point per dollar spent on all other eligible purchases.<\/li><li>$120 Uber Cash on Gold:  Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards&#xAE; points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.<\/li><li>$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express&#xAE; Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.<\/li><li>$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express&#xAE; Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.<\/li><li>$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express&#xAE; Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.<\/li><li>Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.<\/li><li>No Foreign Transaction Fees.<\/li><li>Annual Fee is $325.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>4X Membership Rewards<sup>\u00ae<\/sup> Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)<\/li>\r\n \t<li>4X Membership Rewards<sup>\u00ae<\/sup> points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)<\/li>\r\n        <li>3X Membership Rewards<sup>\u00ae<\/sup> points on flights booked directly with airlines or on amextravel.com<\/li>\r\n        <li>2X Membership Rewards<sup>\u00ae<\/sup> points on prepaid hotels and other eligible travel booked on amextravel.com<\/li>\r\n        <li>1X on other eligible purchases<\/li>\r\n        <\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/GoldAmex\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-3daaea492#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The Amex Gold comes with a $325 annual fee   (<a data-ccid=\"4028085\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/91101-10-0\/?print#terms-details\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). However, three valuable benefits help offset the annual fee:<\/p>\n<ul>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/amex-gold-dining-credit\/\" rel=\"noopener\">Up to $120 annual dining credits<\/a>:<\/strong> Earn up to a total of $10 in statement credits monthly when you pay with the Amex Gold at Five Guys, Grubhub, The Cheesecake Factory, Goldbelly, and Wine.com. Enrollment is required for select Amex benefits.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-gold-dunkin-credit\/\" rel=\"noopener\">Up to $84 in Dunkin' credits annually<\/a>:<\/strong> Receive up to $7 per month when you pay with the Amex Gold at any U.S.-based Dunkin' or through Dunkin's mobile app. Enrollment is required for select Amex benefits.<\/li>\n<li><strong>Up to $120 Uber Cash annually:<\/strong> Get $10 per month deposited into your connected Uber account, which can be used for taking an Uber ride or for Uber Eats purchases within the U.S. This credit expires at the end of each month if not used. Enrollment is required for select Amex benefits.<\/li>\n<\/ul>\n<p class=\"remark\"><em><strong>Amex Disclosure<\/strong>: To receive $10 monthly credits (up to $120 per year) in Uber Cash, you must add the American Express<sup>\u00ae<\/sup> Gold Card to your Uber account and select it as the payment method for your Uber or Uber Eats transaction.<\/em><\/p>\n<p>Plus, with the Amex Gold, you'll earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), making it the best card for both dining and groceries. This card is great for racking up points on your food bill, whether you're dining in or eating out.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-gold-card\/\" rel=\"noopener\">Amex Gold Review<\/a><\/strong><\/p>\n<h3><span id=\"Considering_alternatives_to_the_Amex_Gold\">Considering alternatives to the Amex Gold?<\/span><\/h3>\n<p>While the Amex Gold delivers the best earning rates for dining and restaurants, it's not the only player in the game. For those who might find the $325 annual fee a bit steep or want to look at different reward structures to complement other cards in your wallet, there are some excellent alternatives.<\/p>\n<p>The <a data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" rel=\"noopener nofollow sponsored\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), for instance, earns 3X <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/\" rel=\"noopener\">ThankYou<sup>\u00ae<\/sup> Points<\/a> on dining and earns flexible rewards points, as does the <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0c1c4e8f0665c64a457f704ec8446ed42&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), which also features a ton of high-value perks and benefits for cardholders. Another contender for flexible rewards is the <a data-ccid=\"3006151\" href=\"\/blog\/link\/CR-COV\" rel=\"noopener nofollow sponsored\">Capital One Venture Rewards Credit Card<\/a>, which offers a flat 2X <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/\" rel=\"noopener\">Capital One miles<\/a> on every purchase, meaning you don't need to juggle multiple cards to earn a solid return on dining spend.<\/p>\n<h2><span id=\"Best_Credit_Card_for_Dining_With_No_Annual_Fee\">Best Credit Card for Dining With No Annual Fee<\/span><\/h2>\n<p>A stalwart of the Chase Ultimate Rewards stable of credit cards, the <a data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" rel=\"noopener nofollow sponsored\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=060bf86024e09f7ee2e5675542b9ea26a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) sports a dizzying array of bonus categories, including 3% cash back (or 3X Chase Ultimate Rewards points) on restaurant dining (including takeout and eligible delivery services). This makes it one of the best credit cards for restaurants, especially for those wanting a card without an annual fee.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006090\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/aef345f2-25d7-4d44-b7c7-e62661f0291c.png\" width=\"150\" alt=\"Chase Freedom Unlimited\u00ae\"\/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Freedom Unlimited\u00ae' data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=060bf86024e09f7ee2e5675542b9ea26a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nLimited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nLimited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The everyday workhorse of the Ultimate Rewards family of cards earns 1.5% cash back on every purchase, every day of the week. While the Freedom Unlimited earns cash back on its own, the points earned become even more valuable when you hold an Ultimate Rewards card with the ability to <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\">transfer points to partners<\/a>. <\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Limited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/li><li>Enjoy 5% cash back on travel purchased through Chase Travel&#x2120;, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.<\/li><li>No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!<\/li><li>Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.<\/li><li>No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited&#xAE; card<\/li><li>Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 5% on purchases through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants <\/li>\r\n<li>Earn 3% on drugstore purchases <\/li>\r\n<li>Earn 1.5% on all purchases <\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/ChaseFreedomUnl\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-3daaea492#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>When used as a cash rewards credit card, these points are worth 1\u00a2 each towards a selection of redemption options, including cash back. However, you may be able to redeem points at a higher value if you also hold the <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Sapphire Preferred<\/a> or another <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-rewards-cards\/\" rel=\"noopener\">Ultimate Rewards credit card<\/a> charging an annual fee. If so, you can <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/how-to-combine-chase-points\/\" rel=\"noopener\">combine your Ultimate Rewards points<\/a> and redeem them for an increased value towards select travel. Or you can leverage the <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">Ultimate Rewards transfer partners<\/a> for potentially much more value.<\/p>\n<p>This transforms the 3X points you earn on dining into a potential 4.5% return, making this one of the most rewarding credit cards for eating out. If you don't hold a supporting Ultimate Rewards card, you can potentially get a better return with a card that gives straight cash back on dining like the <a data-ccid=\"4048129\" href=\"\/blog\/link\/CR-CapitalOneSavorCard\" rel=\"noopener nofollow sponsored\">Capital One Savor Cash Rewards Credit Card<\/a>, as discussed below.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\" rel=\"noopener\">Chase Freedom Unlimited Review<\/a><\/strong><\/p>\n<h2><span id=\"Best_Credit_Card_for_Earning_Cash_Back_on_Dining\">Best Credit Card for Earning Cash Back on Dining<\/span><\/h2>\n<p>If cash back on dining is your thing, the <a data-ccid=\"4048129\" href=\"\/blog\/link\/CR-CapitalOneSavorCard\" rel=\"noopener nofollow sponsored\">Capital One Savor Cash Rewards Credit Card<\/a> card is a solid option. That's because the card includes the ability to earn unlimited 3% cash back on dining purchases. If you spend around $300 per month on dining (the national average, according to the <a target=\"_blank\" href=\"https:\/\/www.bls.gov\/news.release\/pdf\/cesan.pdf\" rel=\"noopener\">Bureau of Labor Statistics<\/a>), you'll earn $108 in cash back annually. That's a great return \u2014 especially since there's $0 annual fee.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048129\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Savor Cash Rewards Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/36ead21c-2de1-43f4-985e-3478cbb4184b.png\" width='150' alt=\"Capital One Savor Cash Rewards Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Capital One Savor Cash Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneSavorCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong>\r\n$200 Cash Back after you spend $500 on purchases within 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Savor Cash Rewards Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong>\r\n$200 Cash Back after you spend $500 on purchases within 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Tailored for cardmembers who enjoy dining and entertainment, the Capital One Savor Cash Rewards Credit Card offers unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores, and 1% cash back on all other purchases. The card charges no foreign transaction fees, and rewards don't expire for the life of the account.<\/div><div class=\"qs-tab-hl\"><ul><li>$200 Cash Back after you spend $500 on purchases within 3 months from account opening<\/li>\r\n \t<li>3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart<sup>\u00ae<\/sup> and Target<sup>\u00ae<\/sup>)<\/li>\r\n        <li>1% on all other purchases<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 annual fee<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>8% cash back on purchases made via the Capital One Entertainment ticketing platform<\/li>\r\n<li>5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\r\n<li>3% cash back on dining and entertainment<\/li>\r\n<li>3% at grocery stores (excluding superstores like Walmart<sup>\u00ae<\/sup> and Target<sup>\u00ae<\/sup>)<\/li>\r\n<li>3% on popular streaming services<\/li>\r\n<li>1% on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/Savor\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-3daaea492#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<h2><span id=\"Best_Dining_Rewards_Card_for_Small_Businesses\">Best Dining Rewards Card for Small Businesses<\/span><\/h2>\n<p>For small business owners, there isn't much competition. No other card comes close to the earnings the <a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/a> offers \u2014 with one major caveat.<\/p>\n<p>With the Amex Business Gold, you can earn 4X Membership Rewards points on up to $150,000 at U.S. restaurants. However, to accomplish that, U.S. restaurant purchases need to be one of your business' top two eligible spending categories in every billing cycle. If this matches your business's spending tendencies, then it doesn't get much better than earning 4X on $150k of spending.<\/p>\n<p><div class=\"qs-card\" data-id=\"4028093\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/97\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/CardArt-AmericanExpressBusinessGoldCard.png\" width=150 alt=\"American Express\u00ae Business Gold Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='American Express\u00ae Business Gold Card' data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 200,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 200,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$375<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The American Express<sup>\u00ae<\/sup> Business Gold Card offers 4X points on the top 2 spending eligible categories per billing cycle, 3X points on flights and pre-paid hotels booked on AmexTravel.com or the Amex Travel App\u2122, and 1X points on other eligible purchases. Cardholders can earn up to $240 back annually for eligible purchases at FedEx, Grubhub, and U.S. Office Supply Stores, and up to $155 annually for Walmart+ membership costs, enhancing the card's appeal for varied business spending. Enrollment required for select American Express benefits.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards&#xAE; Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/li><li>Earn 4X Membership Rewards&#xAE; points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*<\/li><li>Earn 3X Membership Rewards&#xAE; points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App&#x2122; using your Business Gold Card.*<\/li><li>Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*<\/li><li>Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*<\/li><li>The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.<\/li><li>*Terms Apply<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\">Get 4X Membership Rewards<sup>\u00ae<\/sup> points on the 2 eligible categories where your business spent the most each billing cycle from the list below:\r\n<ul>\r\n<li>U.S. purchases for advertising in select media  (online, TV, radio)<\/li>\r\n<li>U.S. purchases made from electronic goods retailers and software & cloud system providers<\/li>\r\n<li> U.S. purchases at gas stations<\/li>\r\n<li> U.S. purchases at restaurants, including takeout and delivery<\/li>\r\n<li>Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways<\/li>\r\n<li>Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.<\/li>\r\n<\/ul>\r\n\r\n*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BizGold\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-3daaea492#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>But if dining isn't one of your organization's top spending categories, you're better off with one of the two no-annual-fee options below:<\/p>\n<ul>\n<li><strong><a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a>:<\/strong> For business owners seeking simple rewards structures, the Blue Business Plus is hard to beat. It offers a flat 2x  Membership Rewards points on every purchase (up to the first $50,000 each year, then 1X) with no categories to track. What's more, it doesn't charge an annual fee  (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), ensuring your rewards aren't being negated by the cost of holding the card each year.<\/li>\n<li><strong><a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=a62d1837e61a6be0c4111ed983b46a7f&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>): <\/strong>Earn unlimited 1.5% cash back on all spending on this card with no annual fee. Plus, if you have a Chase Ultimate Rewards card with an annual fee, you can use your earnings as 1.5X Ultimate Rewards points per $1 spent, opening the door to additional redemption options.<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/how-to-get-a-business-credit-card\/\" rel=\"noopener\">How To Get a Business Credit Card<\/a><\/strong><\/p>\n<h2><span id=\"Stack_With_a_Dining_Program_for_More_Earnings\">Stack With a Dining Program for More Earnings<\/span><\/h2>\n<p>If you\u2019re hunting even higher returns on your dining spend, don\u2019t forget to\u00a0join the numerous dining rewards programs offered by rewards programs. If you're unfamiliar with these, check out our <a target=\"_blank\" href=\"\/shopping\/dining-rewards-programs\/\" rel=\"noopener\">beginner's guide to dining programs<\/a>.<\/p>\n<p>For example, say you agree to receive emails from Alaska's Atmos Rewards Dining Program and make 12 qualifying transactions in a calendar year. Any subsequent dining purchases earn 5X Atmos points at the program's over 10,000 participating restaurants. Meanwhile, IHG Dine & Earn offers 8X IHG One Rewards points to frequent diners.<\/p>\n<p>The best part of dining rewards programs is that you don't have to choose between earning credit card rewards or dining program rewards. Dining rewards programs stack these rewards on top of the points you earn when using your credit card for the same purchase!<\/p>\n<p>Even better, new members can take advantage of\u00a0<a target=\"_blank\" href=\"\/airlines\/dining-rewards-new-member-bonus\/\" rel=\"noopener\">the dining rewards program welcome bonuses<\/a> if they haven't already enrolled in these programs.<\/p>\n<figure id=\"attachment_132226\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-132226 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_OlderWomanUsingACardAtARestaurant-Pixelfit-GettyImages-300x240.jpg\" alt=\"a person pays by credit card at an outdoor caf\u00e9\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_OlderWomanUsingACardAtARestaurant-Pixelfit-GettyImages-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_OlderWomanUsingACardAtARestaurant-Pixelfit-GettyImages-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_OlderWomanUsingACardAtARestaurant-Pixelfit-GettyImages-325x260.jpg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_OlderWomanUsingACardAtARestaurant-Pixelfit-GettyImages.jpg 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Pixelfit\/Getty Images<\/em><\/enter><\/figure>\n<h2><span id=\"What_Purchases_Are_Included_in_the_Dining_Restaurant_Category\">What Purchases Are Included in the Dining & Restaurant Category?<\/span><\/h2>\n<p>The merchant category code defines purchases included in the dining category. Consequently, the merchant must code the purchase correctly for you to receive bonus points. When in doubt, we recommend using the <a target=\"_blank\" href=\"\/merchants\" rel=\"noopener\">AwardWallet Merchant Category Lookup Tool<\/a> to see how purchases have been coded in the past.<\/p>\n<h3><span id=\"Chase\">Chase<\/span><\/h3>\n<blockquote><p><em>\u201c&#8230;primary business is sit-down or eat-in dining, including fast food restaurants and fine dining establishments.&#8221;<br \/>\n&#8220;Bakeries, caterers, meal kit delivery services, and gift card merchants are not included in the category. Delivery and takeout services will be included if they classify as a restaurant merchant.&#8221;<\/em><\/p><\/blockquote>\n<h3><span id=\"Citi\">Citi<\/span><\/h3>\n<blockquote><p><em>\u201cIncludes purchases at cafes, bars, lounges and fast food restaurants. Excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs) and third party dining delivery services.&#8221;<\/em><\/p><\/blockquote>\n<h3><span id=\"American_Express\">American Express<\/span><\/h3>\n<blockquote><p><em>\u201c&#8230;restaurants located in the U.S.&#8221;<\/em><\/p><\/blockquote>\n<h3><span id=\"Capital_One\">Capital One<\/span><\/h3>\n<blockquote><p>\u201cPurchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries.\u201d<\/p><\/blockquote>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Of all the cards currently open to new applicants, the <a data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" rel=\"noopener nofollow sponsored\">Amex Gold<\/a> is our top pick for currently available cards to earn extra rewards on dining. You'll earn 4X Membership Rewards points per dollar at restaurants \u2014 including takeout and eligible delivery services in the United States (on up to $50,000 per year, then 1X).<\/p>\n<p>For frequent diners who'd prefer to avoid an annual fee, the <a data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" rel=\"noopener nofollow sponsored\">Freedom Unlimited<\/a> provides a stellar return at 3% cash back on dining (or 3X Ultimate Rewards points if you hold a card that can transfer points to partners).<\/p>\n<p>At the end of the day, the best card for you will depend on which rewards you want to earn and how much you spend on dining and takeout. But if you pick a card and use it consistently, you'll be well on your way to building your reward balances.<\/p>\n\t\t<div class=\"wp-faq-schema-wrap wp-faq-schema-accordion\">\n\t\t\t\t\t\t\t<h2><span id=\"Best_Credit_Card_For_Dining_Purchases_FAQ\">Best Credit Card For Dining Purchases FAQ<\/span><\/h2>\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Which_dining_credit_card_is_best\">Which dining credit card is best?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>The best restaurant rewards card is the American Express<sup>\u00ae<\/sup> Gold Card. It offers a lucrative earning rate of 4X Membership Rewards points per dollar spent (on up to $50,000 per year, then 1X) at restaurants, including takeout and delivery in the U.S.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Is_it_better_to_use_debit_or_credit_cards_to_buy_dinner_at_a_restaurant\">Is it better to use debit or credit cards to buy dinner at a restaurant?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Choosing between a debit or credit card for dinner purchases depends on your goals and habits. Credit cards often provide dining rewards and better fraud protection, plus they may offer additional dining perks. However, they can lead to overspending if you're not careful. Debit cards pull cash directly from your bank account, helping to control spending, but they typically offer fewer rewards and reduced fraud protection. The best dining rewards credit card will provide better returns if you manage finances well and want to earn rewards on dining purchases.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Why_do_some_restaurants_not_accept_American_Express_cards_even_if_these_cards_offer_excellent_dining_rewards\">Why do some restaurants not accept American Express cards, even if these cards offer excellent dining rewards?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>While American Express cards often provide lucrative rewards for dining, some restaurants refrain from accepting American Express cards due to their traditionally higher transaction fees, which can impact smaller establishments' profits. While the acceptance gap has narrowed considerably in the U.S., Amex still has lower acceptance rates overseas. The decision for a restaurant to accept Amex depends on factors like customer demand, the cost of transactions, and operational convenience.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"What_is_the_best_cash-back_credit_card_for_restaurants\">What is the best cash-back credit card for restaurants?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>The best restaurant cash-back credit card depends on your specific needs and spending habits. The \u00a0is a strong contender as the best dining card for cash back, offering unlimited 3% cash back on dining and no annual fee. Consider your spending patterns, the card's annual fee, and other benefits or bonuses when choosing the best cash back credit card for restaurants.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Does_buying_food_on_a_credit_card_build_credit\">Does buying food on a credit card build credit?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Yes, purchasing food on a credit card can help build credit, provided you practice responsible credit behavior. This includes paying your bill on time each month, keeping your credit utilization low, and maintaining a long credit history. Each time you use your credit card and subsequently pay off your balance, it positively impacts your credit history and can improve your credit score. However, using your credit card wisely is essential, avoiding overspending and going into debt, as these can negatively affect your credit score.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>A significant portion of most food budgets goes to dining out, which creates a golden opportunity to rack up points or cash back with the right credit card. If you&#8217;re not using a card tailored for dining rewards, you&#8217;re leaving significant money on the table. Here are the best cards to use.<\/p>\n","protected":false},"author":59,"featured_media":143257,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12621],"coauthors":[36386,36382],"class_list":["post-20928","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-earning-strategy"],"acf":[],"yoast_head":"<title>Best Credit Cards for Dining &amp; Restaurants (2026)<\/title>\n<meta name=\"description\" content=\"With so many options, choosing the right credit card for dining can be overwhelming. 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