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Restaurants
You want the most value back for your credit card spends. Since not all points are of equal value, below is a quick reference on dollar value back (not just multipliers) for Restaurants spends.
Details
There are some great cards that will even reward you for eating out at you. That includes purchases at fine restaurants, cafes, bars, lounges, fast-food chains and bakeries. Yes, you'll get points for all of the above. But always keep in mind -- it isn't just the multiplier, it is the ultimate value and flexibility of the points you earn. As an example, 3 points earned with a Chase Sapphire Card is worth more than 7 points earned with a Hilton card. The (+) versions of these cards feature the best sign-up bonuses and point multipliers. The (-) versions have limitations that you need to be aware of.Top 3 Cards for Restaurants
5X | 8.0¢ Per Dollar Spent
Quarterly category, June 30th .Including cafes, bars, and fast food restaurants.
American Express Business Gold
4X | 5.6¢ Per Dollar Spent
If it's 1 of the 2 select categories where you spent the most each billing cycle, up to the first $150,000 in combined eligible purchases.
3X | 5.3¢ Per Dollar Spent
Including cafes, bars, and fast food restaurants.
Our Top Selections for Restaurants (+)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
 |
Chase Freedom Flex Quarterly category, June 30th .Including cafes, bars, and fast food restaurants. |
5x | 1.6¢ | 8.0¢ |
|
American Express Business Gold If it's 1 of the 2 select categories where you spent the most each billing cycle, up to the first $150,000 in combined eligible purchases. |
4x | 1.4¢ | 5.6¢ |
 |
Chase Sapphire Reserve Including cafes, bars, and fast food restaurants. |
3x | 1.8¢ | 5.3¢ |
 |
Chase Freedom Unlimited Including cafes, bars, and fast food restaurants. |
3x | 1.6¢ | 4.8¢ |
 |
Marriott Bonvoy Bountiful Up to $15000 in combined purchases within your first 6 months from account opening |
4x | 0.7¢ | 2.8¢ |
Other Cards with Solid Value for Restaurants (=)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
 |
American Express Gold Personal Earn 4x Membership Rewards points when you dine at restaurants worldwide. |
4x | 1.4¢ | 5.6¢ |
 |
Chase Sapphire Preferred Including cafes, bars, and fast food restaurants. |
3x | 1.6¢ | 4.8¢ |
 |
Wyndham Rewards Earner Plus | 4x | 1.2¢ | 4.8¢ |
 |
Hilton Honors Aspire Amex U.S. restaurants only.including takeout and delivery. |
7x | 0.6¢ | 4.2¢ |
 |
American Express Green Personal from lunch orders to late–night takeout. |
3x | 1.4¢ | 4.2¢ |
 |
Chase Aeroplan including takeout and delivery. |
3x | 1.4¢ | 4.2¢ |
 |
Capital One Savor Rewards Including cafes, bars, and fast food restaurants. |
4x | 1.0¢ | 4.0¢ |
 |
Citi Premier Card Including cafes, bars, and fast food restaurants. |
3x | 1.2¢ | 3.6¢ |
 |
Hilton Honors Surpass Amex U.S. restaurants only. |
6x | 0.6¢ | 3.6¢ |
 |
Chase Ink Business Cash Earn 2x for the first $25,000 spent on gas stations and restaurants combined every year |
2x | 1.6¢ | 3.2¢ |
 |
World Of Hyatt Card Earn 2 points per $1 spent at restaurants, cafes and coffee shops. |
2x | 1.6¢ | 3.2¢ |
 |
World Of Hyatt Business card Top 3 Quarterly category through Dec. 31, 2024 then top 2 quarterly category |
2x | 1.6¢ | 3.2¢ |
 |
United Club Infinite Card Including cafes, bars, and fast food restaurants. |
2x | 1.5¢ | 3.0¢ |
 |
IHG Rewards Premier Business Including cafes, bars, and fast food restaurants. |
5x | 0.6¢ | 3.0¢ |
 |
United Business Card Including cafes, bars, and fast food restaurants. |
2x | 1.5¢ | 3.0¢ |
 |
IHG Rewards Club Premier Including cafes, bars, and fast food restaurants. |
5x | 0.6¢ | 3.0¢ |
 |
Hilton Honors Amex U.S. restaurants only. |
5x | 0.6¢ | 3.0¢ |
 |
United Explorer Card Including cafes, bars, and fast food restaurants. |
2x | 1.5¢ | 3.0¢ |
 |
United Quest Card Including cafes, bars, and fast food restaurants. |
2x | 1.5¢ | 3.0¢ |
 |
Costco Anywhere Visa Including cafes, bars, and fast food restaurants. |
3x | 1.0¢ | 3.0¢ |
 |
Capital One Savor One Rewards Including cafes, bars, and fast food restaurants. |
3x | 1.0¢ | 3.0¢ |
 |
Marriott Bonvoy Bevy Restaurants worldwide. |
4x | 0.7¢ | 2.8¢ |
 |
American Express Green Business | 2x | 1.4¢ | 2.8¢ |
 |
Citi AAdvantage Platinum Select WE MC Including cafes, bars, and fast food restaurants. |
2x | 1.4¢ | 2.8¢ |
 |
Marriott Bonvoy Business Restaurants worldwide. |
4x | 0.7¢ | 2.8¢ |
 |
U.S Bank Altitude Connect Visa Including cafes, bars, and fast food restaurants |
2x | 1.3¢ | 2.6¢ |
 |
Wyndham Rewards Earner | 2x | 1.2¢ | 2.4¢ |
 |
JetBlue card Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
 |
JetBlue Plus Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
 |
JetBlue Business | 2x | 1.2¢ | 2.4¢ |
 |
Delta Skymiles Platinum Personal Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
 |
Delta SkyMiles Gold Personal Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
 |
Delta SkyMiles Gold Business Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
 |
Delta SkyMiles Blue Personal Including cafes, bars, and fast food restaurants. |
2x | 1.2¢ | 2.4¢ |
 |
Marriott Bonvoy Boundless Up to $6000 in combined purchases within your first 6 months from account opening |
3x | 0.7¢ | 2.1¢ |
 |
Marriott Bonvoy Brilliant Amex Restaurants Worldwide. including takeout and delivery. |
3x | 0.7¢ | 2.1¢ |
 |
Premium Rewards Including cafes, bars, and fast food restaurants. |
2x | 1.0¢ | 2.0¢ |
 |
Amazon Prime Rewards Visa Including cafes, bars, and fast food restaurants. |
2x | 0.7¢ | 1.4¢ |
 |
Disney Premier Visa Card Including cafes, bars, and fast food restaurants. |
2x | 0.7¢ | 1.4¢ |
 |
Amazon Business Amex | 2x | 0.7¢ | 1.4¢ |
 |
IHG Rewards Club Traveler Including cafes, bars, and fast food restaurants. |
2x | 0.6¢ | 1.2¢ |
Cards Offering Some Value for Restaurants with Limitations (-)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
 |
US Bank CashPlus Visa Must choose either Gas Stations, Grocery Stores or Restaurants. |
2x | 1.0¢ | 2.0¢ |
 |
Hawaiian Airlines Business MC | 2x | 0.7¢ | 1.4¢ |
 |
Sonesta World Mastercard | 2x | 0.7¢ | 1.4¢ |