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.
Earning rewards on dining and groceries can significantly offset everyday spending. This ranking highlights cards across all fee levels, from premium options with the highest earning rates to no-annual-fee alternatives that deliver solid value.
Consensus ranking, combined Borda-count vote of 3 models.
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 |
34 | $95 | 100,000 points (~$1,250) | 3x Dining | 1x | - | |
41 |  US Bank Altitude Go Visa SignatureBest No-Fee Premium | $0 | 20,000 points (~$200) | 4x Dining | 1x | 0% for 15mo |
51 | $39 | - | 3% Dining | 1% | 0% for 12mo | |
62 | $95 | 60,000 points (~$600) | 3x Airlines | 1x | - | |
72 |  Blue Cash EverydayBest No-Fee Option | $0 | $200 | 3% Groceries | 1% | 0% for 15mo |
84 | $0 | $200 | 5% Top Spend Category | 1% | 0% for 15mo | |
92 | $0 | $200 | 5% Rotating Categories | 1% | 0% for 15mo | |
101 | $0 | 20,000 points (~$200) | 3x Dining | 1x | 0% for 12mo | |
111 | $0 | $200 | 3% Dining | 1.5% | 0% for 15mo | |
121 | $795 | 100,000 points (~$1,250) | 4x Hotels | 1x | - | |
131 | $150 | 90,000 miles (~$1,080) | 2x Airlines | 1x | - |
Earn 100,000 points (~$1,200 est. value) after $8,000 in 6 months
Earn 4 points per dollar on both dining and groceries, plus a 100,000-point signup bonus after $8,000 in spending within 6 months. The $325 annual fee is offset by substantial earning potential on these two categories alone.
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Earn $300 after $3,000 in 6 months
Earn 6% cash back on groceries (up to $6,000 per year, then 1%) and streaming services, plus $300 cash back after $3,000 in spending within 6 months. The $95 annual fee comes with a 12-month 0% intro APR on purchases.
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Earn 100,000 points (~$1,250 est. value) after $5,000 in 3 months
Earn 3 points per dollar on dining and groceries, with a 100,000-point signup bonus after $5,000 in spending within 3 months. The $95 annual fee covers travel and dining flexibility through the Ultimate Rewards program.
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Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
Earn 4 points per dollar on dining and 2 points on groceries with no annual fee. The card includes a 20,000-point signup bonus after just $1,000 in spending within 3 months, plus a 15-month 0% intro APR on purchases.
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0% intro APR for 12 months on purchases & balance transfers
Earn 3% cash back on dining and groceries with no signup bonus. The modest $39 annual fee is paired with a 12-month 0% intro APR on both purchases and balance transfers.
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Earn 60,000 points (~$600 est. value) after $4,000 in 3 months
Earn 3 points per dollar on dining and groceries alongside 10 points on hotels and car rental bookings. The card comes with a 60,000-point signup bonus after $4,000 in spending within 3 months and a $95 annual fee.
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Earn $200 after $2,000 in 6 months
Earn 3% cash back on groceries and gas with no annual fee. The $200 cash back signup bonus arrives after $2,000 in spending within 6 months, with a 15-month 0% intro APR on purchases.
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Earn $200 after $1,500 in 6 months
Earn up to 5% cash back on your top spending category each month, plus $200 cash back after $1,500 in spending within 6 months. No annual fee, and the card includes a 15-month 0% intro APR on both purchases and balance transfers.
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Earn $200 after $500 in 3 months
Earn 3% cash back on dining and drugstores with rotating 5% categories, plus no annual fee. The $200 cash back signup bonus requires just $500 in spending within 3 months.
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Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
Earn 3 points per dollar on dining, travel, gas, and streaming with no annual fee. The $20,000-point signup bonus arrives after $1,000 in spending within 3 months.
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Earn $200 after $500 in 3 months
Earn 3% cash back on dining with 1.5% on all other purchases and no annual fee. The $200 cash back signup bonus arrives after $500 in spending within 3 months, plus a 15-month 0% intro APR on purchases and balance transfers.
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Earn 100,000 points (~$1,250 est. value) after $6,000 in 3 months
Earn 3 points per dollar on dining alongside 8x on travel bookings through the portal. The card offers a 100,000-point signup bonus after $6,000 in spending within 3 months, backed by a $795 annual fee.
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Earn 90,000 miles (~$1,080 est. value) after $5,000 in 6 months
Earn 2 miles per dollar on dining and groceries, with a 90,000-mile signup bonus after $5,000 in spending within 6 months. The $150 annual fee is designed for Delta-focused travelers.
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