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One Card for All Your Food Spending

Q: Is it better to have one card for food or separate grocery and dining cards?

One card is simpler and often enough. If you spend $500/month on groceries and $300/month on dining, a 4x card on both earns 38,400 points/year. Separate cards might earn slightly more in one category but add complexity. Use one card unless your spending in one category is very high.

Q: Do food rewards cards cover delivery apps like DoorDash and Instacart?

Most dining cards cover DoorDash, Uber Eats, and Grubhub. Grocery delivery through Instacart and Amazon Fresh usually codes as groceries. However, some cards treat third-party delivery differently, so test with a small order first.

Q: How much can I earn per year on groceries and dining?

The average U.S. household spends about $6,000 on groceries and $3,500 on dining annually. With a 4x card on both, that is roughly 38,000 points per year, worth $380 to $760 depending on redemption. Subtract the annual fee to calculate your net value.

Q: Are no-annual-fee cards good for groceries and dining?

Cards like the Capital One SavorOne earn 3% on dining and groceries with no annual fee. While the earning rate is lower than premium cards, you keep every dollar you earn. They are ideal if your combined food spending is under $500/month.

Stop juggling separate cards for groceries and restaurants. These cards earn top rewards on both supermarkets and dining out, so every food dollar works harder.

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Earn 3-6x on groceries and dining combined

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Last updated: March 23, 2026

Top Best Credit Cards for Groceries and Dining Out (2026)

Expert-ranked cards based on rewards, fees, and benefits

IHG One Rewards Premier Credit Card

Chase

Annual Fee

$99/year

Welcome Bonus

175,000 points

Top Earn Rates

10x IHG Hotels and Resorts, 5x Travel, 5x Dining

More Info

IHG One Rewards Premier Business Credit Card

Chase

Annual Fee

$99/year

Welcome Bonus

N/A

Top Earn Rates

10x IHG Hotels and Resorts, 5x Travel, 5x Dining

More Info

U.S. BANK ALTITUDE GO

U.S. Bank

Annual Fee

No annual fee

Welcome Bonus

20,000 points

Top Earn Rates

4x Dining, 2x Groceries, 2x Gas Stations

More Info

IHG One Rewards Traveler Credit Card

Chase

Annual Fee

No annual fee

Welcome Bonus

80,000 points

Top Earn Rates

5x Participating IHG Hotels, 3x Dining, 3x Utilities

More Info

Aeroplan Card

Chase

Annual Fee

$95/year

Welcome Bonus

85,000 points

Top Earn Rates

3x purchases made directly with Air Canada, dining at restaurants, including takeout and eligible delivery services, grocery stores, 1.5x All Other Travel, 1x All Other Purchases

More Info

Chase Sapphire Preferred

Chase

Annual Fee

$95/year

Welcome Bonus

75,000 points

Top Earn Rates

5x Chase Travel, 3x Dining, 3x Streaming

More Info

TD Cash Credit Card

TD Bank

Annual Fee

No annual fee

Welcome Bonus

20,000 points

Top Earn Rates

3x One of these categories: Dining, Entertainment, Gas Stations, Grocery Stores and Travel, 2x One of these categories: Dining, Entertainment, Gas Stations, Grocery Stores and Travel, 1x All Other Purchases

More Info

Capital One Savor Cash Rewards

Capital One

Annual Fee

No annual fee

Welcome Bonus

20,000 points

Top Earn Rates

8x Capital One Entertainment, 5x Hotels (Capital One Travel), 5x Vacation Rentals (Capital One Travel)

More Info

TD First Class

TD Bank

Annual Fee

$89/year

Welcome Bonus

25,000 points

Top Earn Rates

3x travel and dining, 1x All Other Purchases

More Info

Want to compare these cards side-by-side?

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What to Look For

Key factors to consider when choosing your card

High earning rates on both groceries and dining (3-4x or more)

Coverage of food delivery apps (Uber Eats, DoorDash, Instacart)

Annual spending caps on grocery bonus categories

Whether warehouse clubs (Costco, Sam's Club) count as groceries

Dining credits or statement credits that offset the annual fee

Flexible redemption through transfer partners or cash back

How to Choose

Add up your monthly grocery and dining spending. If you spend roughly equal amounts on both, a card that rewards both categories at 3-4x is more valuable than two separate cards. The American Express Gold Card is a standout with 4x on both dining and U.S. supermarkets. For cashback, the Capital One Savor earns 3-4% on groceries, dining, and entertainment.

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Frequently Asked Questions

Get answers to common questions about choosing the right card

What is the best credit card for both groceries and dining?

The American Express Gold Card is widely considered the best for both categories, earning 4x Membership Rewards points on dining at restaurants and 4x on U.S. supermarkets (up to $25,000/year). The Capital One Savor is a strong cashback alternative with 3% on groceries and 4% on dining.

Is it better to have one card for food or separate grocery and dining cards?

Do food rewards cards cover delivery apps like DoorDash and Instacart?

How much can I earn per year on groceries and dining?

Are no-annual-fee cards good for groceries and dining?

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One Card for All Your Food Spending

Top Best Credit Cards for Groceries and Dining Out (2026)

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One Card for All Your Food Spending

Top Best Credit Cards for Groceries and Dining Out (2026)

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Best Grocery Credit Cards of 2026

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