Updated: Sep 13
Many of us grew up constantly being reminded that “we have food at home.” But now that we’re grown and making our own coins, we have the luxury of spending and eating however we see fit. That includes treating ourselves to fancy brunch, dinner at a fine dining establishment, or just a casual lunch whenever and wherever we feel like it.
But are you maximizing your dining out spending? If you’re still paying for meals using cash or a debit card, you’ll be happy to learn that there’s a much better way. Paying for daily expenses like food with a rewards credit card allows you to earn points, cash back, and even travel miles on every dollar you spend. Some cards offer extra points on restaurant spending, making them ideal for foodies who enjoy frequenting restaurants.
Here are the top rewards credit cards for foodies:
American Express Gold Card
Holders of the Amex Gold card receive 4X Membership Reward points on restaurants, takeout, delivery, and supermarkets in the U.S. Members also get a $120-a-year dining credit, among other perks like $10 monthly Uber Cash that can be used toward Uber Eats orders. Get a 90,000-point sign-up bonus when you apply using this link.
Capital One Venture One
Capital One Venture One cardholders earn1.5X points at restaurants and other purchases. Through Capital One Dining, members also get priority reservation booking access at exclusive, hard-to-book restaurants in major cities across the country as well as unique culinary experiences. These include access to special events like chef collaborations and unforgettable dinners curated by world-renowned chefs. Cardholder events hosted with Capital One Dining partners include the Michelin Guide Dining Series and Taste America by the James Beard Foundation. You can apply for the Capital One Venture One card using this link to earn 20,000 bonus points.
Chase Sapphire Preferred
Individuals with the Chase Sapphire Preferred card enjoy 3X points on dining, including eligible delivery services and takeout, and online grocery purchases. Members also receive a free DashPass membership for both DoorDash and Caviar and 6 months of complimentary Instacart+. Get a 60,000-point sign-up bonus when you apply using this link.
Keep in mind that when using rewards credit cards, it’s important to pay your balance in full every month to avoid interest charges that may exceed your rewards. Allowing the charges to rack up without paying them for an extended time is also an easy way to find yourself quickly falling into debt.