Best Cash-Back Credit Cards for Dining Out

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by parag
Last Updated: September 7th, 2016
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KEYWORDS:#credit cards #tips #rewards #cash back
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There are thousands of credit cards out there. If you dine out frequently, you may be wondering which one will give you the most rewards. Fortunately, there are a variety of cards that offer cash back for going to your favorite restaurants. It’s a win-win!

With the right credit card, you won’t need to scour the Internet for coupons and offers. You can get up to 5% cash back on your restaurant purchases. Spend $100? That’s $5 back in your pocket. This quickly adds up. If you’re a responsible credit card user, you’ll want to check out the best cash-back credit cards for dining out.


  1. Chase AARP Visa

    This card offers 3% cash back on both restaurants and gas and 1% cash back on all other purchases. Even though this credit card is issued by AARP, there is no age requirement. You just have to meet the credit score requirement. This card has no annual fee and cash back is unlimited, so spend and earn as much as you want.

  2. Citi ThankYou® Preferred Card

    Earn double points on dining and entertainment purchases and one point on everything else. There is no limit to how many points you can earn. This card offers a 0% promo offer for 15 months, so you have a little leeway if you can’t pay off your purchases by the end of the month. Like the previously mentioned card, there is no annual fee.

  3. Chase Sapphire Preferred® Card

    With this card, you earn two points for every dollar you spend at restaurants. These points can be redeemed for travel and other rewards in Chase’s Ultimate Rewards program. When you spend $4,000 in the first three months, you’ll receive 50,000 bonus points. There are no fees for foreign transactions, but there is a $95 annual fee.

  4. Capital One® Venture® Rewards Credit Card

    Every purchase – at a restaurant or anywhere else – gives you 2x miles per dollar spent. This card often offers bonus miles, so check it out and see what the current offer is. There are no fees for foreign transactions, but there is a $59 annual fee.

  5. TD Cash Visa® Credit Card

    This card is easy to use and earn rewards. Use your card for dining and get 2% cash back. You get 1% back on everything else. Your cash rewards never expire and earning is unlimited. You can redeem your rewards for cash, gift cards, electronics, travel and more. If you spend $1,500 within the first 90 days, you’ll get a cool $200 cash back. There is no annual fee. However, this card is only available in 16 states along the East Coast.

  6. BankAmericard Cash Rewards™ Credit Card

    With this card, you get 1% cash back on every purchase and 3% on gas so you can save even while driving to your favorite restaurants. If you have a Bank of America bank account, you’ll receive an extra 10% for redeeming the cash back rewards into your checking or savings account. If you spend $500 within the first 90 days, you’ll receive a $100 bonus. This card has no annual fee.

  7. Huntington Voice Credit Card

    With this card, you have some options. You can choose a spending category every quarter and earn 3% cash back on all purchases in that category. Just choose “restaurants” as your category of choice and get rewarded. On all other purchases, you’ll get 1% cash back. You can get up to $2,000 cash back per quarter. Plus, there’s no annual fee.

  8. Chase Freedom

    This card is a little complicated because you have to manually choose your cash back categories every quarter. However, you can choose restaurants as your 5% cash back category. Purchases made toward rewards in your chosen categories are capped at $1,500. If you spend $500 in the first three months of opening your account, you’ll receive a $150 bonus. This card has no annual fee.


Each credit card is different. There are rewards and annual fees to consider. Some offer unlimited cash back, while some offer higher cash back rates on certain categories. There are also a variety of percentage rates, which may or may not matter, depending on if you carry a balance. Do your research and choose the one that best fits your lifestyle and preferences. Just make sure to pay your balance in full each month or the interest fees will eat up all the rewards you earned.

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