What is the best dining rewards credit card?

Question

Yes, fast food does count as a restaurant for credit cards that have dining as a bonus rewards category. All major credit card companies include fast food locations within their definition of a restaurant for rewards purposes, including American Express, Bank of America, Capital One and Chase. For cardholders to earn bonus rewards, the fast food restaurant simply needs a … read full answer merchant category code that properly reflects that it’s a restaurant.

Credit Card Companies That Count Fast Food as a Restaurant for Rewards

American Express

Bank of America

Barclays

Capital One

Chase

Citibank

Discover

US Bank

USAA

Wells Fargo

In some cases, it is possible that a particular fast food location won’t code as a restaurant, even if your card gets bonus rewards at fast food restaurants. If this occurs, it’s generally because the fast food restaurant is located within a larger establishment that codes as something else, such as a shopping mall or a stadium.

You should also note that merchant category codes are separate for traditional and fast food restaurants, so some cards could offer bonus rewards just at traditional restaurants. Most of the time, though, traditional and fast food restaurants are grouped together. You can always confirm this by calling your card issuer.

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Answer 1 · 2022-07-19 14:02:27

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Milvionne Chery Copeland, Writer

@milvionne_copeland • 07/19/22 This answer was first published on 07/19/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The best dining rewards credit card is the Capital One Savor Cash Rewards Credit Card because cardholders earn unlimited 4% cash back on dining, which includes restaurants, cafes, bars, lounges, bakeries and fast-food chains. Plus, the Capital One Savor gives a bonus of $300 for spending $3,000 in the first 3 months.

Best Dining Rewards Credit Cards

Best Overall: Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit CardLearn MoreLearn More
No Annual Fee: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
Best for Food Delivery: U.S. Bank FlexPerks® Gold American Express® CardU.S. Bank FlexPerks® Gold American Express® CardLearn MoreLearn More
Best for Business: Ink Business Cash® Credit CardInk Business Cash® Credit CardLearn MoreLearn Moreon issuer's website
Best Initial Bonus: Chase Sapphire Preferred® CardChase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website

Before you compare dining rewards credit cards, you’ll probably want to check your credit score to see which cards will give you high approval odds. You can check your credit score for free on WalletHub.

What is the best dining rewards credit card?

Milvionne Chery Copeland, Writer

Best Dining Rewards Credit Cards

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