What is the best credit card for dining out?
The Amex Gold is the best credit card for dining out with 4x Membership Rewards points at restaurants worldwide -- the highest mainstream dining earn rate available. That includes fine dining, fast food, takeout, food trucks, and delivery apps. Combined with $10/month in dining credits at select restaurants and $10/month in Uber Cash (usable on Uber Eats), the Amex Gold returns more value on restaurant spending than any other card.
What is the best credit card for groceries?
The Blue Cash Preferred from Amex earns 6% back at U.S. supermarkets on up to $6,000 per year -- the highest grocery earn rate available. For a family spending $500/month on groceries, that is $360 per year in cash back from groceries alone. The Amex Gold is a close second with 4x at U.S. supermarkets with no annual spending cap on the bonus rate.
Is the Amex Gold worth the $325 annual fee for foodies?
Yes, for most food lovers the Amex Gold easily justifies its $325 fee. The $120 dining credit ($10/month at Grubhub, Seamless, The Cheesecake Factory, and others) plus $120 Uber Cash ($10/month usable on Uber Eats) returns $240 in food credits alone, reducing the effective fee to $85. A foodie spending $400/month on restaurants and $400/month on groceries earns over $380 in rewards annually on top of those credits.
What is the best no-fee credit card for food spending?
The Capital One SavorOne is the best no-fee card for foodies with 3% cash back on dining, groceries, entertainment, and streaming services. It covers every food-related spending category without charging an annual fee. The Citi Custom Cash is another strong no-fee option that earns 5% on your top spending category automatically, which will be dining or groceries for most food lovers.
Do food delivery apps code as dining for credit card rewards?
Most food delivery apps including DoorDash, Uber Eats, and Grubhub code as dining or restaurants for credit card rewards purposes. This means your Amex Gold (4x dining) or Chase Sapphire Preferred (3x dining) earn bonus rewards on delivery orders. However, grocery delivery services like Instacart and Amazon Fresh typically code as groceries, not dining.
Best card for Uber Eats and DoorDash spending?
The Amex Gold is the best card for food delivery spending because it earns 4x on delivery orders (which code as dining) plus provides $10/month in Uber Cash that can be used directly on Uber Eats. The Chase Sapphire Preferred earns 3x on delivery orders. For DoorDash specifically, the Chase Sapphire Reserve includes a complimentary DashPass membership worth $96/year.
What is the best credit card for cooking at home?
The Blue Cash Preferred from Amex is the best card for home cooks with 6% back at U.S. supermarkets on up to $6,000 per year. It also earns 6% on streaming services, which is valuable for cooking shows and recipe content on services like Netflix and YouTube Premium. For home cooks who also subscribe to meal kits, most meal kit deliveries code as grocery purchases and earn the 6% rate.
Should foodies get a dining card or a grocery card?
Track your spending for one month to determine whether you spend more at restaurants or on groceries. If restaurants dominate, the Amex Gold (4x dining) is the better choice. If grocery spending is higher, the Blue Cash Preferred (6% groceries) earns more. The ideal strategy is pairing both -- use the Blue Cash Preferred for all grocery purchases and the Amex Gold for all dining and delivery orders.
