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Best Credit Cards for Dining, Food Delivery & Takeout

Cards that earn the most on restaurants, delivery apps, and takeout — whether you want transferable points or straight cash back.

The short answer
No-fee pickChase Freedom Flex / Unlimited3x diningFee pickAmEx Gold4x diningPremiumChase Sapphire Preferred3x on all dining

Top picks — no annual fee

Keep forever · $0/yr
1
Best no-fee pick

Chase Freedom Flex / Unlimited

3x diningUltimate Rewards

Top picks — with annual fee

Pays for itself if used right
See Everything Else →

Honorable mentions

Annual fee
Reward type
27 cards
#1
Marriott Bonvoy Boundless
Chase · $95/yr
Loyalty Points
3x Dining
  • 17x Marriott
  • 3x Groceries
  • 3x Gas
  • 3x Dining
  • 2x everything else
Click to see redemption options
3 Free Night Awards after $3,000 in 3 months
Apply now →Run the numbers →Full details →
#2
Hilton Honors Surpass
AmEx · $150/yr
Loyalty Points
6x Restaurants
  • 12x Hilton
  • 6x Restaurants
  • 6x Supermarkets
  • 6x Gas
  • 4x US Online Retail
  • 3x everything else
Click to see redemption options
155,000 points after $3,000 in 6 months
Apply now →Run the numbers →Full details →
#3
Citi Strata Elite
Citi · $595/yr
Transferable Points
3x Restaurants
  • 12x Hotels/Cars/Attractions via CitiTravel
  • 6x Airfare via CitiTravel
  • 3x Restaurants
  • 1.5x everything else
Click to see redemption options
80,000 points after $4,000 in 3 months
Apply now →Run the numbers →Full details →
#4
Citi Strata Premier
Citi · $95/yr
Transferable Points
3x Restaurants
  • 10x Hotels/Cars/Attractions via CitiTravel
  • 3x Restaurants
  • 3x Supermarkets
  • 3x Gas
  • 3x Air Travel
  • 3x Hotels
  • 1x everything else
Click to see redemption options
60,000 points after $4,000 in 3 months
Apply now →Run the numbers →Full details →
#5
Chase Sapphire Reserve
Chase · $795/yr
Transferable Points
3x Dining
  • 8x Travel via Chase
  • 4x Flights (direct)
  • 4x Hotels (direct)
  • 3x Dining
  • 1x everything else
Click to see redemption options
60,000 points after $4,000 in 3 months
Apply now →Run the numbers →Full details →
#6
Citi AAdvantage Globe Mastercard
Citi · $350/yr
Loyalty Points
2x Dining
  • 6x AAdvantage Hotels
  • 3x American Airlines
  • 2x Dining
  • 2x Transit
  • 1x everything else
Click to see redemption options
60,000–90,000 miles after $5,000 in 4 months
Full details →
#7
Chase Freedom Flex
Chase · No annual fee
No FeeCash Back
3x Dining
  • 5x Travel via Chase
  • 5x Rotating categories (up to $1,500/qtr)
  • 3x Dining
  • 3x Drugstores
  • 1x everything else
Click to see redemption options
$200 after $500 in 3 months
Apply now →Full details →
#8
Chase Freedom Unlimited
Chase · No annual fee
No FeeCash Back
3x Dining
  • 5x Travel via Chase
  • 3x Dining
  • 3x Drugstores
  • 1.5x everything else
Click to see redemption options
$200 after $500 in 3 months
Apply now →Full details →
#9
Citi Custom Cash
Citi · No annual fee
No FeeCash Back
5x on top spend category (up to $500/mo)
  • 5x on top spend category (up to $500/mo)
  • 1x everything else
Click to see redemption options
$200 after $1,500 in 3 months
Apply now →Full details →
#10
Discover It Cash Back
Discover · No annual fee
No FeeCash Back
5x Rotating categories (up to $1,500/qtr)
  • 5x Rotating categories (up to $1,500/qtr)
  • 1x everything else
Click to see redemption options
Cashback Match at end of year 1
Apply now →Full details →
#11
Prime Visa
Chase · No annual fee
No FeeCash Back
2x Restaurants
  • 5x Amazon & Whole Foods (Prime members)
  • 3x Amazon & Whole Foods (non-Prime)
  • 2x Restaurants
  • 2x Gas
  • 2x Transit
  • 1x everything else
Click to see redemption options
$100 gift card on approval
Apply now →Full details →
#12
Chase Sapphire Preferred
Chase · $95/yr
Transferable Points
3x Dining
  • 5x Travel via Chase
  • 5x Lyft
  • 3x Dining
  • 3x Online Groceries
  • 3x Streaming
  • 3x Gas & EV Charging
  • 3x Vacation Rentals
  • 2x Travel
  • 1x everything else
Click to see redemption options
60,000 points after $4,000 in 3 months
Apply now →Run the numbers →Full details →
#13
Costco Anywhere Visa
Citi · No annual fee
No FeeCash Back
3x Restaurants
  • 4x Gas (5x Costco Gas)
  • 4x EV Charging
  • 3x Restaurants
  • 3x Travel
  • 2x Costco
  • 1x everything else
Click to see redemption options
Requires an active Costco membership to hold this card — Gold Star ($65/yr) or Executive ($130/yr).
Apply now →Full details →
#14
American Express Gold Card
AmEx · $325/yr
Transferable Points
4x Dining
  • 4x Dining
  • 4x US Supermarkets (up to $25k/yr)
  • 3x Flights
  • 1x everything else
Click to see redemption options
60,000 points after $6,000 in 6 months
Apply now →Run the numbers →Full details →
#15
Capital One Savor
Capital One · No annual fee
No FeeCash Back
3x Dining
  • 3x Dining
  • 3x Entertainment
  • 3x Streaming
  • 3x Groceries
  • 8x Capital One Entertainment
  • 5x Hotels/Cars via C1
  • 1x everything else
Click to see redemption options
$200 after $500 in 3 months
Apply now →Full details →
#16
Navy Federal More Rewards American Express
Navy Federal · No annual fee
No FeeLoyalty Points
3x Restaurants & Food Delivery
  • 3x Restaurants & Food Delivery
  • 3x Supermarkets
  • 3x Gas Stations & Transit
  • 1x everything else
Click to see redemption options
20,000 points after $2,000 in 90 days
Full details →
#17
Navy Federal GO REWARDS
Navy Federal · No annual fee
No FeeLoyalty Points
3x Restaurants
  • 3x Restaurants
  • 2x Gas Stations
  • 1x everything else
Click to see redemption options
None
Full details →
#18
Apple Card
Goldman Sachs · No annual fee
No FeeCash Back
3x Select merchants
  • 3x Select merchants
  • 2x Apple Pay
  • 1x everything else
Click to see redemption options
Apply now →Full details →
#19
BILT Obsidian Mastercard
Cardless · $95/yr
Transferable Points
3x Dining or Grocery (grocery capped $25k/yr)
  • 3x Dining or Grocery (grocery capped $25k/yr)
  • 2x Travel
  • 1x Rent (no processing fee — 5 transactions required per statement)
  • 1x everything else
Click to see redemption options
$200 BILT Cash on opening
Apply now →Run the numbers →Full details →
#20
American Express Green Card
AmEx · $150/yr
Transferable Points
3x Dining
  • 3x Travel
  • 3x Transit
  • 3x Dining
  • 1x everything else
Click to see redemption options
40,000 points after $3,000 in 6 months
Apply now →Run the numbers →Full details →
#21
Alaskan Atomos Rewards Summit Visa Infinite
Bank of America · $395/yr
Loyalty Points
3x Dining
  • 3x Alaska/Hawaiian
  • 3x Dining
  • 3x Foreign Transactions
  • 1x everything else
Click to see redemption options
100,000 miles + 25K Companion Award
Apply now →Run the numbers →Full details →
#22
Discover It Secured
Discover · No annual fee
No FeeCash Back
2x Restaurants
  • 2x Gas
  • 2x Restaurants
  • 1x everything else
Click to see redemption options
Cashback Match + security deposit required
Apply now →Full details →
#23
Discover It Chrome Gas & Restaurant
Discover · No annual fee
No FeeCash Back
2x Restaurants (up to $1k/qtr)
  • 2x Gas (up to $1k/qtr)
  • 2x Restaurants (up to $1k/qtr)
  • 1x everything else
Click to see redemption options
Cashback Match at end of year 1
Apply now →Full details →
#24
Citi AAdvantage Platinum Select
Citi · $99/yr
Loyalty Points
2x Dining
  • 2x American Airlines
  • 2x Dining
  • 2x Gas
  • 1x everything else
Click to see redemption options
50,000 miles after $2,500 in 3 months
Full details →
#25
United Explorer
Chase · $150/yr
Loyalty Points
2x Dining
  • 2x United
  • 2x Dining
  • 2x Hotels
  • 5x Hotels via United Hotels
  • 1x everything else
Click to see redemption options
60,000 miles after $3,000 in 3 months
Apply now →Run the numbers →Full details →
#26
Delta SkyMiles Gold
AmEx · $150/yr
Loyalty Points
2x Dining
  • 2x Delta
  • 2x Dining
  • 2x Groceries
  • 1x everything else
Click to see redemption options
70,000 SkyMiles after $3,000 in 6 months
Apply now →Run the numbers →Full details →
#27
BILT Blue Mastercard
Cardless · No annual fee
No FeeTransferable Points
1x Dining
  • 1x Rent (no processing fee — 5 transactions required per statement)
  • 1x Dining
  • 1x Travel
  • 1x everything else
Click to see redemption options
Full details →
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Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) assume the relevant category is active. Terms and reward rates are subject to change at each issuer's discretion.

Educational purposes only. The content on this site — including guides, calculators, card comparisons, and recommendations — is provided for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Credit card terms, rewards rates, and benefits change frequently; always verify details on the issuer’s official website before applying. He’s Got a Point is not a licensed financial advisor.