One Card for All Your Food Spending
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.
Earn 3-6x on groceries and dining combined
Cover supermarkets, restaurants, and delivery
Simplify your wallet with one food rewards card
Top Best Credit Cards for Groceries and Dining Out (2026)
Expert-ranked cards based on rewards, fees, and benefits
Chase
American Express
Chase
American Express
U.S. Bank
Chase
Chase
TD Bank
Capital One
Want to compare these cards side-by-side?
Compare Top 4 CardsWhat 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.
Learn More About Credit CardsFrequently Asked Questions
Get answers to common questions about choosing the right card
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.
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Explore Related Categories
Find the perfect card combination for your spending habits
Best Grocery Credit Cards of 2026
Find the best grocery credit cards of 2026. Earn up to 6% cash back or 4x points on supermarket purchases. Compare top grocery rewards cards today.
Best Dining Credit Cards of 2026
Compare the best dining credit cards of 2026. Earn up to 4x points or cash back on restaurants, takeout, and food delivery. Maximize your food rewards.
Best Cashback Credit Cards of 2026
Find the best cashback credit cards of 2026. Compare flat-rate and rotating category cards to maximize your cash back rewards on every purchase. Updated daily.
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