By need · 5 cards ranked

Best Credit Cards for Dining & Groceries 2026

The highest earn rates on restaurants, delivery and supermarkets.

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Ranked 1–5 at a glance

RankCardAnnual feeRewardsWelcome offerForeign feeWho qualifiesScore
1
American Express Gold CardHeavy spenders on dining and groceries
 $325/yr 4x at restaurants worldwide, 4x at U.S. supermarkets (up to cap), 3x flights, 1x… Membership Rewards points after the minimum spend None Good to Excellent (700+) 4.6
2
Capital One Savor Cash Rewards Credit CardDining, streaming and entertainment spenders with no annual fee
 None 3% on dining, entertainment, popular streaming services and at grocery stores, 8… $200+ cash bonus after meeting the minimum spend None Good to Excellent (700+) 4.5
3
U.S. Bank Altitude Go Visa Signature CardFoodies who want strong dining rewards without a fee
 None 4x on dining and takeout, 2x at grocery stores, gas/EV charging and streaming, 1… 20,000+ bonus points after meeting the minimum spend None Good to Excellent (700+) 4.4
4
HSBC Live+ Credit CardDining and fuel spenders who want lounge visits without opening an HSBC account
 AED 313.95/yr 6% dining, 5% fuel, 2% groceries and entertainment, each capped at AED 200 per s… See issuer for the current offer 2% (2.1% incl. VAT) plus a… AED 5,000 monthly salary if your… 4.3
5
Swiggy HDFC Bank Credit CardFrequent Swiggy users who also shop online for apparel, electronics and cabs
 ₹500/yr 10% cashback on Swiggy food, Instamart, Dineout and Genie (up to ₹1,500 a billin… 3-month Swiggy One membership on activating the card within… 3.5% foreign currency mark… Salaried: monthly income of ₹15,… 4.3