Dining and groceries represent major spending categories for most households. The right card can earn substantial rewards on these purchases, whether you prioritize maximum earning rates, signup bonuses, or cards without annual fees.
13 cards · live
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.
Updated · May 15, 2026·13 cards
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 |  US Bank Altitude Go Visa SignatureBest No-Fee Dining | $0 | 20,000 points (~$200) | 4x Dining | 1x | 0% for 15mo |
4 |  Citi Custom CashBest No-Fee Value | $0 | $200 | 5% Top Spend Category | 1% | 0% for 15mo |
51 |  Blue Cash EverydayBest Budget No-Fee | $0 | $200 | 3% Groceries | 1% | 0% for 15mo |
61 | $39 | - | 3% Dining | 1% | 0% for 12mo | |
7 | $95 | 60,000 points (~$600) | 3x Airlines | 1x | - | |
8 | $95 | 75,000 points (~$938) | 3x Dining | 1x | - | |
9 | $0 | 20,000 points (~$200) | 3x Dining | 1x | 0% for 12mo | |
10 | $0 | $200 | 3% Dining | 1.5% | 0% for 15mo | |
11 | $0 | $200 | 5% Rotating Categories | 1% | 0% for 15mo | |
12 | $150 | 80,000 miles (~$960) | 2x Airlines | 1x | - | |
13 | $795 | 150,000 points (~$1,875) | 4x Hotels | 1x | - |
American Express$325 / yrPoints
Earn 100,000 points (~$1,200 est. value) after $8,000 in 6 months
4x dining4x groceries3x airlines
Earns 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 100,000-point signup bonus on $8,000 spend.
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American Express$95 / yrCash Back
Earn $300 after $3,000 in 6 months
6x groceries6x streaming3x transit
Earns 6% cash back at U.S. supermarkets up to $6,000/year, then 1%—the highest grocery earn rate available—plus 6% on streaming and 3% on transit and gas. A $95 annual fee is offset by a $300 cash signup bonus on $3,000 spend and 12-month 0% APR on purchases.
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U.S. Bank$0 / yrPoints
Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
4x dining2x groceries2x gas
Earns 4x points on dining up to $2,000/quarter, then 1x—the highest no-fee dining earn rate available—plus 2x on groceries, gas, and streaming with no annual fee. Includes a 20,000-point signup bonus on just $1,000 spend.
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Citi$0 / yrCash Back
Earn $200 after $1,500 in 6 months
5x top_category4x hotels_car_portal1x everything_else
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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American Express$0 / yrCash Back
Earn $200 after $2,000 in 6 months
3x groceries3x gas3x online_shopping
Earns 3% cash back at U.S. supermarkets up to $6,000/year, then 1%, with no annual fee, plus 3% on gas and online shopping. Includes a $200 cash bonus on $2,000 spend and 15-month 0% APR on purchases.
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Capital One$39 / yrCash Back
0% intro APR for 12 months on purchases & balance transfers
3x dining3x entertainment3x streaming
Earns 3% cash back on dining and groceries (plus entertainment and streaming) with a $39 annual fee. Includes a $200 cash bonus on just $500 spend and 12-month 0% APR on purchases and balance transfers.
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Citi$95 / yrPoints
Earn 60,000 points (~$600 est. value) after $4,000 in 3 months
10x hotels_car_portal3x airlines3x hotels
Earns 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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Chase$95 / yrPoints
Earn 75,000 points (~$938 est. value) after $5,000 in 3 months
5x travel_portal3x dining3x streaming
Earns 3x points on dining, but only 3x on online grocery purchases (not in-store), 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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Wells Fargo$0 / yrPoints
Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
3x dining3x travel3x gas
Earns 3x points on dining with no annual fee, plus 3x on travel, gas, transit, and streaming, but only 1x on groceries. Includes a 20,000-point bonus on $1,000 spend.
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Chase$0 / yrCash Back
Earn $200 after $500 in 3 months
5x travel_portal3x dining3x drugstores
Earns 3% cash back on dining with no annual fee, plus 1.5% on everything else. Includes a $200 cash bonus on $500 spend and 15-month 0% APR on purchases and balance transfers.
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Chase$0 / yrCash Back
Earn $200 after $500 in 3 months
5x rotating5x travel_portal3x dining
Earns 3% cash back on dining with no annual fee, plus rotating 5% 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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American Express$150 / yrMiles
Earn 80,000 miles (~$960 est. value) after $2,000 in 6 months
2x airlines2x dining2x groceries
Earns 2x miles on dining and U.S. supermarkets for a $150 annual fee, with an 80,000-mile signup bonus on $2,000 spend. This card is better suited for frequent Delta flyers than for optimizing general dining-and-grocery rewards.
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Chase$795 / yrPoints
Earn 150,000 points (~$1,875 est. value) after $6,000 in 3 months
8x travel_portal4x hotels4x airlines
Earns 3x points on dining but only 1x on groceries for a $795 annual fee plus premium travel benefits. Includes a 150,000-point signup bonus on $6,000 spend.
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