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.
Choosing the right credit card for dining and grocery purchases can maximize your rewards and savings. This ranking showcases a variety of options, from premium cards with rich benefits to no-annual-fee alternatives that still offer valuable rewards.
Consensus ranking, combined Borda-count vote of 2 models.
Quick Comparison
| # | Card | Annual Fee | Signup Bonus | Top Category | Base Rate | Intro APR |
|---|---|---|---|---|---|---|
11 |  Blue Cash PreferredBest Value | $95 | $300 | 6% Groceries | 1% | 0% for 12mo |
21 |  American Express GoldBest Overall | $325 | 100,000 points (~$1,200) | 4x Dining | 1x | - |
3 |  Chase Sapphire PreferredBest for Travel | $95 | 75,000 points (~$938) | 5x Transit | 1x | - |
41 |  Citi Strata PremierBest for Dining and Groceries | $95 | 60,000 points (~$600) | 3x Airlines | 1x | - |
51 |  Capital One SavorOne Cash RewardsBest No-Fee | $39 | - | 3% Dining | 1% | 0% for 12mo |
6 |  US Bank Altitude Go Visa SignatureBest for Beginners | $0 | 20,000 points (~$200) | 4x Dining | 1x | 0% for 15mo |
7 | $0 | $200 | 3% Groceries | 1% | 0% for 15mo | |
8 | $0 | $200 | 5% Rotating Categories | 1% | 0% for 15mo | |
91 | $0 | 20,000 points (~$200) | 3x Dining | 1x | 0% for 12mo | |
101 | $0 | $200 | 5% Top Spend Category | 1% | 0% for 15mo | |
11 | $0 | $200 | 3% Dining | 1.5% | 0% for 15mo | |
12 |  Chase Sapphire ReserveBest Premium | $795 | 100,000 points (~$1,250) | 10x Sporting Goods Stores | 1x | - |
13 | $150 | 80,000 miles (~$960) | 2x Airlines | 1x | - |
Earn $300 after $3,000 in 6 months
Earn 6% at U.S. supermarkets on up to $6,000 a year, then 1%, plus a $300 cash bonus after spending $3,000 in the first 6 months. Annual fee is $95.
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Earn 100,000 points (~$1,200 est. value) after $8,000 in 6 months
Earn 4 points per dollar at restaurants and U.S. supermarkets, with a 100,000-point bonus after spending $8,000 in the first 6 months. Annual fee is $325.
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Earn 75,000 points (~$938 est. value) after $5,000 in 3 months
Earn 3 points per dollar on dining and 3 points on online grocery purchases, plus a 75,000-point bonus after spending $5,000 in the first 3 months. Annual fee is $95.
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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, with a 60,000-point bonus after spending $4,000 in the first 3 months. Annual fee is $95.
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0% intro APR for 12 months on purchases & balance transfers
Earn 3% on dining and groceries with no annual fee. This card also offers a 0% intro APR for 12 months on purchases.
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Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
Earn 4 points per dollar on dining (up to $2,000 per quarter) and 2 points on groceries, with a 20,000-point bonus after spending $1,000 in the first 3 months. No annual fee.
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Earn $200 after $2,000 in 6 months
Earn 3% at U.S. supermarkets on up to $6,000 a year, then 1%, plus a $200 cash bonus after spending $2,000 in the first 6 months. No annual fee.
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Earn $200 after $500 in 3 months
Earn 3% on dining and 5% on rotating categories, with a $200 cash bonus after spending $500 in the first 3 months. No annual fee.
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Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
Earn 3 points per dollar on dining and groceries, with a 20,000-point bonus after spending $1,000 in the first 3 months. No annual fee.
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Earn $200 after $1,500 in 6 months
Earn 5% on your top eligible spend category each billing cycle (up to $500), plus a $200 cash bonus after spending $1,500 in the first 6 months. No annual fee.
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Earn $200 after $500 in 3 months
Earn 3% on dining and a $200 cash bonus after spending $500 in the first 3 months. No annual fee.
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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 and a 100,000-point bonus after spending $6,000 in the first 3 months. Annual fee is $795.
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Earn 80,000 miles (~$960 est. value) after $3,000 in 6 months
Earn 2 points per dollar on dining and groceries, with an 80,000-mile bonus after spending $2,000 in the first 6 months. Annual fee is $150.
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