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 and overall card value.
Earn 60,000 points (~$720 est. value) after $6,000 in 6 months
4x Membership Rewards points on dining and groceries is the highest ongoing earn rate in both categories from a single card. The $325 annual fee is offset by monthly dining and Uber credits.
Earn $200 after $500 in 3 months
3% cash back on dining, groceries, entertainment, and streaming with no annual fee. The best all-around no-fee card for food spending.
Earn 60,000 points (~$750 est. value) after $4,000 in 3 months
3x points on dining make this a strong everyday earner. Points transfer to Hyatt, United, and other partners, giving you outsized value for a $95 annual fee.
Earn 60,000 points (~$750 est. value) after $4,000 in 3 months
3x on dining with a $300 travel credit and 50% bonus when redeeming through Chase Travel. The premium option for frequent travelers who also dine out a lot.
Earn $200 after $500 in 3 months
3% back on dining at restaurants with no annual fee, plus 5% rotating categories that sometimes include grocery stores. A great starter or pairing card.
Earn $200 after $500 in 3 months
3% on dining plus 1.5% on everything else, no annual fee. Pairs perfectly with a Sapphire card to transfer points to travel partners.
Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
3x points on dining with no annual fee. Also earns 3x on travel, gas, transit, and streaming — a versatile everyday card.
Earn $200 after $2,000 in 6 months
3% cash back at U.S. supermarkets (up to $6,000/year) with no annual fee. One of the best standalone grocery cards for most households.
Earn 80,000 points (~$800 est. value) after $4,000 in 3 months
3x points on dining plus a strong rewards structure across travel and everyday categories. A newer card with competitive earning rates.
Earn 90,000 miles (~$990 est. value) after $5,000 in 6 months
2x miles on dining and U.S. supermarkets. A strong pick if you fly Delta — the dining and grocery earnings fuel your miles balance between flights.
Earn $25 after $500 in 3 months
2% back on dining and groceries with no annual fee. Also earns elevated rates on Rakuten shopping portal purchases — a solid secondary card.
Earn 70,000 points (~$700 est. value) after $3,000 in 3 months
3x on dining with a lower annual fee than the Summit. A good mid-tier option if you want elevated dining rewards without the premium price tag.