Best Credit Cards in November 2024Best
How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
|
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
|
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

On this page

Best Credit Cards for Restaurants and Dining in 2024

Headshot of Allie JohnsonWritten by
Allie Johnson
Headshot of Sarah FisherEdited by
Sarah Fisher
Updated on:
Content was accurate at the time of publication.
Why use LendingTree? We are committed to providing accurate content that helps you make informed money decisions. The content on this page has not been reviewed, approved or otherwise endorsed by any credit card issuer. We do maintain partnerships with some issuers, and our site may be compensated through those partnerships. Read our

Editorial Guidelines

At LendingTree, we are committed to providing accurate and actionable content that helps you make informed decisions about your money. Our team of writers and editors follows these key guidelines:
  • We thoroughly fact-check and review all content for accuracy. We aim to make corrections on any errors as soon as we are aware of them.
  • Our partners do not commission or endorse our content.
  • Our partners do not pay us to feature any specific product in our content, but we do feature some products and offers from companies that provide compensation to LendingTree. This may impact how and where offers appear on the site (such as the order).
  • We review and interview both external and internal reputable sources for our content and disclose sourcing in our content.
.
Citi is an advertising partner.
green-ribbon-image

Our winner

Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

apply-now-icon Apply Now
on Chase's secure site

The Chase Sapphire Preferred® Card is our top pick for the best dining credit card because of its generous earning rates and low annual fee when compared to other dining credit cards with similar benefits.

 Key takeaways

  • The average American spends $3,639 a year dining out, according to the U.S. Bureau of Labor Statistics.
  • A dining credit card allows you to earn a higher rewards rate on dining at restaurants and fast food establishments, and in some cases takeout and delivery.
  • Earn 2 to 4 points or miles per dollar spent on dining with a dining rewards credit card. That could add up on average to 7,000 to 14,000 points or miles a year.
  • A dining rewards card might be right for you if you’re a foodie who spends the U.S. average of $300 a month — or more — on dining out.

8 best credit cards for dining​ out

Winner

Chase Sapphire Preferred® Card

Chase Sapphire Preferred<sup>®</sup> Card Chase Sapphire Preferred<sup>®</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.7
apply-now-icon Apply Now
on Chase's secure site

Earn 3x points on dining
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Annual Fee$95
Regular Purchase APR20.99% - 27.99% Variable
Intro Purchase APRN/A
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Earn elevated points on dining
  • Get 25% more value for points when redeemed through Chase TravelSM
  • Solid sign-up bonus
  • Complimentary Door Dash DashPass (worth $120) for 12 months
  • $95 annual fee
  • No intro APR offer for purchases or balance transfers
  • Complex points earning structure

The Chase Sapphire Preferred® Card is our pick for best dining credit card, whether you’re a foodie who loves to travel, a homebody who uses restaurant and grocery delivery services often or somewhere in between.

You can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

In addition, the card’s complimentary DashPass subscription gives you $0 delivery fees and lower service fees for a minimum of one year when you activate it by Dec. 31, 2027.

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC

Best dining card runner-up

American Express® Gold Card

American Express<sup>®</sup> Gold Card American Express<sup>®</sup> Gold Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.3
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide
Earn 4X Membership Rewards® Points at Restaurants (on up to $50,000 per calendar year in purchases, then 1X), Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point on all other eligible purchases. Terms Apply
Annual Fee$325
Intro Purchase APRN/A
Regular Purchase APRSee Pay Over Time APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • High welcome offer
  • Generous rewards program for dining and U.S. supermarket purchases
  • Annual Uber benefit and dining credits
  • Travel benefits, like baggage1 and rental car insurance2
  • $325 annual fee
  • Statement credits can be difficult to use
  • Can’t carry a balance on some purchases

The American Express® Gold Card is one of the best rewards cards for dining — it offers one of the highest rewards rates available at restaurants, including takeout and delivery in the U.S. It also comes with a monthly dining credit when you use your card on select dining purchases (enrollment required) and offers flexible rewards redemption options, including the ability to transfer points to other loyalty programs.

You’ll get up to $10 per month in statement credits (for a maximum of $120 per year) when you make purchases at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com and Five Guys*. Plus, you’ll also get up to $10 each month (for a maximum of $120 per year) in Uber Cash when you add this card to your Uber account and use it to pay for U.S. Uber eats and rides. The card also includes up to $84 statement credits for Dunkin’* and up to $100 statement credit for Resy*.

These perks and credits are worth over $400, fully covering the card’s $325 annual fee.

*Enrollment required.

  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Best credit card for dining and groceries

Citi Strata Premier℠ Card

Citi Strata Premier<sup>℠</sup> Card Citi Strata Premier<sup>℠</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees

Earn 3X points on a wide variety of categories, including restaurants
10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).
Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR20.49% - 28.49% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Generous sign-up bonus
  • Elevated rewards on dining, groceries and more
  • Annual hotel credit and other travel benefits
  • $95 annual fee
  • No 0% intro APR offer
  • Must book travel through Citi for best earning rate and hotel credit

The Citi Strata Premier℠ Card is our choice for the best credit card for dining and groceries, thanks to its elevated earnings on a number of everyday spending categories — including restaurants, supermarkets and more.

You’ll rack up valuable Citi ThankYou® points quickly with this card. Earn 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).

There’s also a valuable sign-up bonus: For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.. And if you like to travel, you can use your points to book travel with one of Citi’s 15-plus travel partners and take advantage of the $100 annual hotel credit, which offsets the $95 annual fee.

  • For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases.
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

No annual fee

Chase Freedom Unlimited®

Chase Freedom Unlimited<sup>®</sup> Chase Freedom Unlimited<sup>®</sup>
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
apply-now-icon Apply Now
on Chase's secure site

Earn 3% cash back on dining and an unlimited 1.5% on most other purchases
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Annual Fee$0
Intro Purchase APR0% Intro APR on Purchases for 15 months
Regular Purchase APR19.99% - 28.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Elevated rewards earning rate on dining
  • Easy-to-earn sign-up bonus
  • Long intro APR period on purchases and balance transfers
  • Limited bonus categories
  • Must book through Chase for highest earning rate
  • Charges foreign transaction fees

The Chase Freedom Unlimited® is the best credit card for dining out with no annual fee, as it offers a solid 3% cash back rewards earning rate on restaurants and 1.5% on almost all other purchases. This makes it a great fit if you want to earn a high cash back rate on dining and other everyday purchases. The card also comes with one of the easiest-to-earn sign-up bonuses of any dining credit card on the market, which means you can earn bonus cash back quickly.

However, the Chase Freedom Unlimited® has fairly limited bonus categories aside from dining, unless you’re booking travel through the Chase Travel portal.

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Entertainment

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card Capital One Savor Cash Rewards Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees

Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores
3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases
Intro Purchase APR0% intro on purchases for 15 months
Regular Purchase APR19.74% - 29.74% (Variable)
Balance Transfer FeeBalance transfer fee applies
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Generous cash back on dining and entertainment
  • $0 annual fee
  • Long intro APR on purchases and balance transfers (a balance transfer fee applies)
  • Potentially high APR after intro period ends
  • Target and Walmart excluded from higher grocery store earnings

The Capital One Savor Cash Rewards Credit Card is our pick for best credit card for dining and entertainment. In addition to cash back on dining and grocery purchases, the card offers generous rewards on a wide range of entertainment purchases. You’ll also earn rewards on select popular streaming services, and additional rewards on Capital One Entertainment purchases.

  • For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee
  •  For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

High rewards in top spending categories

Citi Custom Cash® Card

Citi Custom Cash<sup>®</sup> Card Citi Custom Cash<sup>®</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.4
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees

Get 5% on your top category of spending each month (including restaurants)
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
Annual Fee$0
Intro Purchase APR0% intro APR for 15 months on Purchases
Regular Purchase APR18.49% - 28.49% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Earn 5% cash back on your highest spend category each month (includes restaurants)
  • Easy-to-earn sign-up bonus
  • Long intro APR on purchases and balance transfers
  • $500 monthly limit on higher cash-back rewards rate
  • Most other purchases only earn 1% cash back
  • No travel protections
  • 3% foreign transaction fee

If you’re looking for a card that you can dedicate to getting the most cash back possible on dining purchases, the Citi Custom Cash® Card may be the best dining credit card for you. Along with a $0 annual fee and easy-to-earn sign-up bonus, you’ll earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.

Unfortunately, though, the 5% rate covers only one category each month, and you’ll earn just 1% cash back on most other purchases. You may want to get another card to cover other major expenses, like gas and grocery shopping.

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

Online shopping

Prime Visa

Prime Visa Prime Visa
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.2
apply-now-icon Apply Now
on Chase's secure site

Earn 2% cash back on gas stations, restaurants and local transit
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases
Annual Fee$0
Intro Purchase APRN/A
Regular Purchase APR19.99%–28.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Amazon gift card upon approval
  • Travel benefits, such as car rental and baggage delay insurance
  • $0 annual fee
  • $0 foreign transaction fees
  • Must have Amazon Prime membership to earn highest rewards rate
  • Subject to the Chase 5/24 rule

If you frequently shop at Amazon or Whole Foods, the rewards offered with the Prime Visa card are hard to beat — and it also offers a good rate for restaurants, making it our pick for best credit card for dining out and online shopping. You’ll earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases.

Plus, the card comes with a $0 annual fee and an Amazon Gift Card available instantly upon approval.

  • Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
  • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC

Business owners

American Express® Business Gold Card

American Express<sup>®</sup> Business Gold Card American Express<sup>®</sup> Business Gold Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.3
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

Get 4X points on the two eligible categories where your business spent the most each month (including U.S. restaurants)
Get 4X Membership Rewards® points on the 2 eligible categories where your business spent the most each month on the first $150,000 in combined purchases each calendar year (then 1X thereafter). Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required. Terms apply.
Annual Fee$375
Intro Purchase APR0% on purchases for 6 months from date of account opening
Regular Purchase APR18.74% - 27.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Extremely generous welcome offer
  • Earn valuable points at a high rate on common business purchases
  • Up to $395 in credits for select business purchases (enrollment required)
  • Travel benefits
  • High annual fee
  • High spend to earn the welcome offer
  • Yearly spending cap for on higher rewards rate

The American Express® Business Gold Card is one of the best business credit cards for dining. It offers exceptional rewards in popular business-related spending categories: U.S. restaurants, U.S. gas, U.S. advertising, U.S. wireless telephone services, U.S. electronics, software and cloud systems and transit (for example, buses, trains, taxis and rideshares). You’ll earn valuable Membership Rewards points that you can use to fund travel and transfer to more than 15 hotel and airline loyalty programs.

This card charges a $375 annual fee. However, the card also offers up to $395 worth of credits toward a monthly Walmart+ membership and purchases at select merchants that can help cover the annual fee (enrollment required).

  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
  • Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
  • The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
  • *Terms Apply
  • Provide points, miles or cash back on everyday purchases
  • Dining rewards can be used to offset restaurant purchases
  • Might offer annual dining credits
  • May offer rewards in other popular categories, such as gas and groceries
  • May offer other valuable benefits, protections and annual credits
  • Might charge an annual fee
  • Rewards may have caps on earning
  • Often require good credit or even excellent credit
  • Dining credits may be limited to specific establishments
1. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

2. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Allie Johnson

Allie Johnson is an award-winning personal finance writer with more than 10 years of experience covering credit cards, mortgages, personal loans and small business. She holds a degree in magazine journalism from Ohio University’s E.W. Scripps School of Journalism. She has written for a variety of finance publications, including CreditCards.com, LendingTree and MagnifyMoney.

Read More

Recommended Articles

Best Chase Credit Cards in 2024 Best American Express Credit Cards in 2024 Best Cash Back Credit Cards in November 2024