People’s habits of dining out are rooted in convenience, such as ambiance, good food, and not having to clean up after cooking. The excellent conveniences can be expensive, but with a dining credit card, cardholders can get rewards and justify eating out. 

According to CNBC, an average American spends roughly $300 a month for dining in restaurants, cafes, and bars. This data indicates people’s habit of eating out with friends, family, coworkers, and loved ones. To offset the costs, most people use their credit cards to pay later. 


Wondering if dining credit cards are worth the money? Here are some of the best dining cards to add to your wallet. Read on to find out about their perks and the downsides of owning one.

Learn About the Pros and Cons of Dining Credit Cards

Best Dining Credit Cards

The best dining credit cards allow cardholders to earn rewards for every dollar spent using their card. In addition, these cards should also offer discounts for dining in participating restaurants and cafes. 

There are also credit cards that provide cashback of up to 5% for eligible purchases. 


Discover It Cashback Card

Cardholders can earn unlimited cashback opportunities with the Discover It Cashback Credit Card. It is an attractive card because of the “no annual fee” and maximum rewards earning features. 5% cashback is earned for using the card when dining and shopping on Amazon, gas, and grocery stores. 

The points earned can be redeemed to exciting merchant discounts and to use them at the Amazon checkout. These points never expire as long as the credit card account is active and in good standing. 

The interest rate for this card is 11.99% to 22.99% variable, and you can contact Discover at 1-800-DISCOVER.

Chase Sapphire Reserve Card

With a generous signup bonus and 5X points for dining and travel, the Chase Sapphire Reserve Credit Card is an excellent addition to anyone’s wallet. 

It offers $300 annual travel credit for travel purposes, special benefits at The Luxury Hotel & Resort, and others. 

The interest rate for this card is set at 16.99%23.99% variable, and you can contact Chase at 1-800-935-9935.

American Express Gold Card

The Gold card by American Express stands true to its name with 4X membership rewards points for dining and grocery shopping. This credit card offers 50,000 welcome bonus points after spending $4,000 within the first three months of account opening. 

The strong rewards features coupled with no foreign transaction fee and excellent travel credit makes it a valuable card for individuals who love to shop, dine, and travel the world. 

The interest rate for this card is set at 15.99% to 22.99% variable, and you can contact AMEX at 1 (800) 528-4800.

Perks of Dining Credit Cards

Having a dining credit card provides a myriad of benefits, from providing rewards, access to airport lounges, and merchant discounts through the rewards program

Unlike other credit cards, a dining card is designed to maximize bonuses and rewards when dining in different restaurants. 

Dining cards also grant access to exclusive food and drink freebies, rebates on dining bills, and a trove of travel benefits. 

Risks of Having a Dining Credit Card

One main risk of owning a dining card is the vulnerability to fraud, as cardholders hand over the card to pay the bill. Many reported incidents of credit card fraud are rooted in identity theft when wait staff use the customers’ credentials and card information. 

In addition, there are establishments that require credit card information to make a reservation. This has been happening for a long time, and customers are willing to give that information just to get a table. 

Learn About the Pros and Cons of Dining Credit Cards


A dining credit card is undoubtedly valuable because of the suite of rewards available for cardholders. From double to triple points rewards when dining, to travel perks and merchant discounts, cardholders can maximize the perks of the card. 

To counter the risks involved when using the dining card, make sure to practice credit card protection by turning on alerts for suspicious account movements. 

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information