Elements to Consider When Finding the Best Dining and Restaurant Credit Cards

There are many different credit card categories that you may want to consider if you’re looking for a new credit card. While travel credit cards are definitely popular, another category option may be dining and restaurant credit cards, especially if you don’t travel very often. If you’re trying to find the best dining credit card, here are four of the things to look at and compare between different credit card providers.

1. Annual Fee

The first thing to consider is your credit card annual fee. Are you looking for a more premium credit card, with an annual fee that may be many hundreds of dollars, or are you looking for a less expensive credit card, with under $100 in annual fees? Cards with higher annual fees tend to have more significant benefits, but if you’re not going to use the card very often, it may not be worth it anyway.

2. Specific Company Rewards

Which specific companies has the credit card chosen to collaborate with? Depending on the credit card that you choose, you may get extra benefits from certain companies, with some credit cards offering perks like a free DashPass from DoorDash, which gives you access to free delivery at many companies on DoorDash. If a credit card offers bonuses at companies you don’t regularly shop at, you may want to consider a different card, as that might not be very helpful for you.

3. Bonus Sign-On Offer

Most big credit cards offer some kind of sign-on bonus. You will typically get a certain number of points or a cashback bonus if you make a certain number of purchases within the first few months of owning the card. With every bonus offer, you want to make sure the bonus is achievable, but you also want to see how much the bonus is. If a bonus for a certain card is $100 more, but you have to spend $1,000 more in the first three months to get it, you might decide to go for the lower bonus due to its easier accessibility.

4. Other Card Benefits

Most credit cards are going to have benefits that extend beyond just dining and restaurant benefits. While you may be using a card largely for those dining and restaurant benefits, it’s also a good idea to look at any other benefits, like travel credits, low APR, annual card credits, and point boosts. These card benefits can give you even more to love with whatever credit card you end up choosing.


The best dining and restaurant credit card will be different for everyone. No matter why you’re planning on getting a dining and restaurant credit card, you deserve to get the best option for your personal life. That’s why it’s a good idea to use these elements to compare the different dining credit cards that are currently available on the market. That way, you can discover which credit card works best for you