Best Credit Cards for Dining & Restaurants
Restaurants, cafes, food delivery, and eating places
8
4 MPD
4000
Quick Answer
The best credit card for dining & restaurants is HSBC Revolution
Why: 4 MPD with cap at $1,500 a month. Included in whitelist
Top Cards for Dining & Restaurants
HSBC Revolution
Included in whitelist
Rank
UOB Preferred Platinum Visa
Included in whitelist and not excluded
Rank
Citibank Rewards MasterCard
Not excluded
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)
Rank
Woman's World MasterCard
Not excluded
Note: Online spend only
Rank
UOB Visa Signature
Not excluded
Note: Offline: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
Rank
Choose Based on Your Spending
Light Spender
Under $500/month
Best:
HSBC Revolution
No need to worry about caps with light spending
Moderate Spender
$500-2,000/month
Best:
UOB Preferred Platinum Visa
Balance between rate and cap utilization
Heavy Spender
Over $2,000/month
Best:
Citibank Rewards MasterCard
Maximize rewards with card pairing strategy
Understanding Dining & Restaurants MCC Codes
Dining & Restaurants includes the following Merchant Category Codes (MCC):
Expert Tips for Dining & Restaurants
Maximize Monthly Caps
Most cards have monthly caps. Plan your spending to hit the cap without going over.
Consider Card Pairing
Use 2-3 cards to cover different categories and maximize overall rewards.
Check Online vs Offline
Some cards only work for online or offline transactions. Verify before spending.