The best cards for eating out

I just spent three days on a food-focused trip to the Scottish capital and managed to cover most of my travel expenses using credit card perks. One way I didn’t maximize my spending, however, was on food.

I’m trying to find a card that allows me to get the most earnings from my borderline reckless eating habits and throw in a little bit of free grub if possible. Here are the cards I’m scouting out:

• American Express® Gold Card – The ultimate foodie card. The Amex Gold offers 4x points per dollar on restaurants worldwide and takeaway, and delivery in the US. Cardholders also get $120 of Uber Cash and $120 of dining credits spread throughout the year.

• Chase Sapphire Preferred Card – While it doesn’t offer quite as high earning rates, 3x points per dollar on restaurants is still excellent. It also provides complimentary Door Dash Unlimited membership – free deliveries. At only $95 a year, it’s a winner.

• The Hilton Honors American Express Surpass Card – At a whopping 6x points per dollar at US restaurants, the Surpass is a wonderful card for food-loving Hilton loyalists. While hotel points don’t typically go as far as airline ones, it’s an excellent way to bolster your Hilton Honors account. 

• Capital One Savor Card – This isn’t a points-earning card; it’s a cashback one. But that doesn’t mean you should turn up your nose at it. With 4% cash back on dining, it’s a stable way to build a little extra cash over a year.