Best Cash Back Cards for Dining
Cash back cards ranked by effective return rate on dining purchases.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Dining. Order can differ from that column because ranking adds the adjustments above.
Capital One Savor Cash Rewards Credit Card
Capital One
- +3% cash back on Dining
- +Capital One Dining — not counted in estimated value or ranking; eligible use has not been established
- +$200 cash back bonus (~$200 value)
DoorDash Rewards Mastercard®
Chase
- +3% cash back on Dining booked direct
- +No annual fee. Other listed credits: 10% Monthly Grocery Discount (up to $15/mo); DashPass Anniversary bonus (up to $96/yr; requires $10,000 eligible spend within 12 months). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Compare the Top Picks
Earn 3 ways on one dinner
Your card's dining rate, a dining program you link it to, and the reservation perks it unlocks. The dining map shows all three, restaurant by restaurant.
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Dining Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| bp rewards Visa®FNBO | 3% cash back | 3.0¢/$ | $0 | visa |
| Capital One Savor Cash Rewards Credit CardCapital One | 3% cash back | 3.0¢/$ | $0 | mastercard |
| DoorDash Rewards Mastercard®Chase | 3% cash back | 3.0¢/$ | $0 | mastercard |
| Chase Freedom UnlimitedChase | 3% cash back | 3.0¢/$ | $0 | visa |
| TD Cash Credit CardTD Bank | 3% cash back | 3.0¢/$ | $0 | visa |
| Savor Rewards for Good CreditCapital One | 3% cash back | 3.0¢/$ | $0 | mastercard |
| Chase Freedom FlexChase | 3% cash back | 3.0¢/$ | $0 | mastercard |
| SoFi Everyday Cash RewardsSoFi | 3% cash back | 3.0¢/$ | $0 | mastercard |
| Capital One Savor Student Cash Rewards Credit CardCapital One | 3% cash back | 3.0¢/$ | $0 | mastercard |
| SavorOne Rewards from Capital OneCapital One | 3% cash back | 3.0¢/$ | $39 | mastercard |
More Options
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Guides for this category
- Cash BackFlat-rate cash back versus category bonuses: a household spending comparisonA 3%/1% card beats a flat 2% card only when half your spending lands in its categories. Three households, the break-even formula, and how caps change it.
- Card StrategyDining card rewards: restaurants, delivery apps, and statement creditsDining rewards, merchant credits, and delivery perks follow separate rules. How to tell what a meal earns and whether a credit lowers what you spend.
- Card StrategyHow to build a two-card wallet without double-counting rewardsA second card needs a job. Assign each purchase to one card, count each dollar once, and compare the pair with the best single card after fees.