Best Credit Cards for Dining and Groceries
The top credit cards for earning rewards on restaurants and grocery store purchases, from premium to no-annual-fee options.
Dining and groceries are two of the biggest spending categories for most people. The right card can earn you serious rewards on money you're already spending. We've ranked these cards by their earning rates on dining and groceries, factoring in annual fees, signup bonuses, and overall card value.
Quick Comparison
| # | Card | Annual Fee | Signup Bonus | Top Category | Base Rate | Intro APR |
|---|---|---|---|---|---|---|
1 |  American Express GoldBest Overall | $325 | 100,000 points (~$1,200) | 4x Dining | 1x | - |
2 |  Blue Cash PreferredBest for Groceries | $95 | $300 | 6% Groceries | 1% | 0% for 12mo |
3 |  U.S. Bank Altitude Go Visa SignatureBest No-Fee Dining | $0 | 20,000 points (~$200) | 4x Dining | 1x | 0% for 15mo |
4 |  Capital One SavorOne Cash RewardsBest Budget-Friendly | $39 | - | 3% Dining | 1% | 0% for 12mo |
5 | $0 | $200 | 3% Groceries | 1% | 0% for 15mo | |
6 | $0 | $200 | 5% Rotating Categories | 1% | 0% for 15mo | |
71 | $95 | 60,000 points (~$600) | 10x Hotels & Car Rentals (via Portal) | 1x | - | |
81 | $95 | 75,000 points (~$938) | 5x Travel (via Portal) | 1x | - | |
9 | $0 | $250 | 5% Travel (via Portal) | 1.5% | 0% for 15mo | |
10 | $0 | $200 | 5% Rotating Categories | 1% | 0% for 15mo | |
111 | $0 | 20,000 points (~$200) | 3x Dining | 1x | 0% for 12mo | |
121 | $150 | 80,000 miles (~$880) | 2x Airlines | 1x | - | |
132 | $795 | 125,000 points (~$1,563) | 8x Travel (via Portal) | 1x | - |
Earn 100,000 points (~$1,200 est. value) after $6,000 in 6 months
4x Membership Rewards points on both dining and groceries—the highest ongoing earn rate available. A $325 annual fee is offset by $240 in combined dining and Uber credits, plus a 60,000-point signup bonus on $6,000 spend.
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Earn $300 after $3,000 in 6 months
6% cash back at U.S. supermarkets (up to $6,000/year) is the highest grocery earn rate available, plus 6% on streaming and 3% on transit and gas. A $95 annual fee comes with a $250 cash signup bonus on $3,000 spend.
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Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
4x points on dining (up to $2,000/quarter, then 1x) with no annual fee is the highest no-fee dining rate available. Earns 2x on groceries, gas, and streaming, plus a 20,000-point bonus on just $1,000 spend.
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0% intro APR for 12 months on purchases & balance transfers
3% cash back on dining, groceries, entertainment, and streaming with a $39 annual fee. Includes a $200 cash signup bonus on $500 spend plus a 12-month 0% APR on purchases.
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Earn $200 after $2,000 in 6 months
3% cash back at U.S. supermarkets (up to $6,000/year) with no annual fee, plus 3% on gas and online shopping. Includes a $200 cash signup bonus on $2,000 spend.
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Earn $200 after $1,500 in 6 months
Earns 5% cash back on your top spending category each billing cycle—including dining or groceries (up to $500/month)—with no annual fee. Includes a $200 cash bonus on $1,500 spend and 15-month 0% APR on purchases and balance transfers.
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Earn 60,000 points (~$600 est. value) after $4,000 in 3 months
3x points on both dining and groceries, plus 3x on airlines, hotels, and gas, for a $95 annual fee. Includes a 60,000-point signup bonus on $4,000 spend.
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Earn 75,000 points (~$938 est. value) after $5,000 in 3 months
3x points on dining and 3x on online grocery purchases for a $95 annual fee. Includes a 75,000-point signup bonus on $5,000 spend with point transfers to travel partners like Hyatt and United.
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Earn $250 after $500 in 3 months
3% cash back on dining with no annual fee, plus 1.5% on everything else. Includes a $250 cash bonus on $500 spend and pairs well with other Chase cards for point transfers.
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Earn $200 after $500 in 3 months
3% cash back on dining with no annual fee, plus 5% rotating categories that sometimes include grocery stores. Includes a $200 cash bonus on $500 spend and 15-month 0% APR on purchases.
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Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
3x points on dining with no annual fee, plus 3x on travel, gas, transit, and streaming. Includes a 20,000-point bonus on $1,000 spend, though it earns only 1x on groceries.
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Earn 80,000 miles (~$880 est. value) after $2,000 in 6 months
2x miles on dining and U.S. supermarkets for a $150 annual fee, with a 90,000-mile signup bonus on $5,000 spend. Best for frequent Delta flyers rather than general dining-and-grocery rewards.
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Earn 125,000 points (~$1,563 est. value) after $6,000 in 3 months
3x points on dining with a $300 travel credit and premium benefits for a $795 annual fee. Includes a 125,000-point signup bonus on $6,000 spend, though it earns only 1x on groceries.
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