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.
🔥 Right now, no-fee Chase Freedom Flex / Unlimited earns 5% here — beating even AmEx Gold 's 4x ($325/yr).
Keep forever · $0/yr 1 Best no-fee pick
Chase Freedom Flex / Unlimited or Discover It5% on Dining this quarter (normally 3x dining)Ultimate Rewards 🔥 Active now through December 31, 2026 5% on Restaurants — up to $1,500 in combined quarterly bonus-category spend, activation requiredCash Back 🔥 Active now through December 31, 2026
2 Runner-up
Capital One Savor 3x diningCash Back
3 Also good
Citi Custom Cash No longer accepting applications 5x on top eligible category — up to $500/moThankYou Points
Pays for itself if used right 4x diningMembership Rewards $325/yr
2 Best value
Chase Sapphire Preferred 3x on all diningUltimate Rewards $95/yr
See Everything Else → Honorable mentions Annual fee All No annual fee With annual fee
Reward type All types Transferable points Cash back Airline / Hotel
Card type All cards Non-co-brand Co-brand
Card network All networks Visa Mastercard AmEx Discover
14 cards
#1
Chase Freedom Flex
Chase · No annual fee
No Fee Cash Back
3x Dining
5x Travel via Chase 5x Rotating categories (up to $1,500/qtr) 3x Dining 3x Drugstores 1x everything else Ultimate Rewards ▼ Click to see redemption options
$200 after $500 in 3 months
#2
Chase Freedom Unlimited
Chase · No annual fee
No Fee Cash Back
3x Dining
5x Travel via Chase 3x Dining 3x Drugstores 1.5x everything else Ultimate Rewards ▼ Click to see redemption options
$200 after $500 in 3 months
#3
Citi Custom Cash
Citi · No annual fee
No Fee Cash Back
1x everything else
5x on top spend category (up to $500/mo) 1x everything else ThankYou Points ▼ Click to see redemption options
$200 after $1,500 in 3 months
#4
Discover It Cash Back
Discover · No annual fee
No Fee Cash Back
1x everything else
5x Rotating categories (up to $1,500/qtr) 1x everything else Discover CashBack ▼ Click to see redemption options
Cashback Match at end of year 1
#5
Prime Visa
Chase · No annual fee
No Fee Cash Back
2x Restaurants
5x Amazon & Whole Foods (Prime members) 3x Amazon & Whole Foods (non-Prime) 2x Restaurants 2x Gas 2x Transit 1x everything else Amazon Rewards ▼ Click to see redemption options
$100 gift card on approval
#6
AAA Travel Advantage Visa Signature
Comenity Capital Bank · No annual fee
No Fee Cash Back
3x Dining
5% Gas Stations & EV Charging (up to $7,000/yr, then 1%) 3x Flights 3x Hotels 3x Dining 3x Grocery Stores 3x Other Travel Purchases 3x AAA Purchases Cash Back ▼ Click to see redemption options
$100 statement credit after spending $1,000 in the first 90 days.
#7
Costco Anywhere Visa
Citi · No annual fee
No Fee Cash Back
3x Restaurants
4x Gas (5x Costco Gas) 4x EV Charging 3x Restaurants 3x Travel 2x Costco 1x everything else Costco Dollars ▼ Click to see redemption options
Requires an active Costco membership to hold this card — Gold Star ($65/yr) or Executive ($130/yr).
#8
Capital One Savor
Capital One · No annual fee
No Fee Cash Back
3x Dining
3x Dining 3x Entertainment 3x Streaming 3x Groceries 8x Capital One Entertainment 5x Hotels/Cars via C1 1x everything else Cash Back ▼ Click to see redemption options
$200 after $500 in 3 months
#9
Navy Federal More Rewards American Express
Navy Federal · No annual fee
No Fee Loyalty Points
3x Restaurants & Food Delivery
3x Restaurants & Food Delivery 3x Supermarkets 3x Gas Stations & Transit 1x everything else Navy Federal Rewards Points ▼ Click to see redemption options
20,000 points after $2,000 in 90 days
#10
Navy Federal GO REWARDS
Navy Federal · No annual fee
No Fee Loyalty Points
3x Restaurants
3x Restaurants 2x Gas Stations 1x everything else Navy Federal Rewards Points ▼ Click to see redemption options
None
#11
Apple Card
Goldman Sachs · No annual fee
No Fee Cash Back
1x everything else
3x Select merchants 2x Apple Pay 1x everything else Daily Cash ▼ Click to see redemption options
#12
Discover It Secured
Discover · No annual fee
No Fee Cash Back
2x Restaurants
2x Gas 2x Restaurants 1x everything else Discover CashBack ▼ Click to see redemption options
Cashback Match + security deposit required
#13
Discover It Chrome Gas & Restaurant
Discover · No annual fee
No Fee Cash Back
2x Restaurants (up to $1k/qtr)
2x Gas (up to $1k/qtr) 2x Restaurants (up to $1k/qtr) 1x everything else Discover CashBack ▼ Click to see redemption options
Cashback Match at end of year 1
#14
BILT Blue Mastercard
Cardless · No annual fee
No Fee Transferable Points
1x Dining
1x Rent (no processing fee — 5 transactions required per statement) 1x Dining 1x Travel 1x everything else BILT Points ▼ Click to see redemption options
Not sure which one fits you?
Our free quiz matches you to the right card based on your actual spending, credit score, and goals — in about 2 minutes.
Take the quiz → Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) are shown at 5x only during a quarter that category is actually active — checked against Chase and Discover's published quarterly calendars. Terms and reward rates are subject to change at each issuer's discretion.
Credit card names, trademarks, and brand assets referenced on this page are the property of their respective issuers. He’s Got a Point is not affiliated with, endorsed by, or sponsored by any card issuer.