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Top Credit Cards to use at Restaurants (updated January 27, 2019)

As we approach Valentine’s Day, restaurants usually expect a little more business. There is still time to apply for the right card for that day. Below are the top picks.

I have classified the credit cards in different categories and ranked them by their annual fees.

Cash Back Credit Cards

For this category, I only listed credit cards with at least a 5% cash back return.

Simplii Financial Cash Back Visa Card

  • No annual fee
  • Earn 10% cash back on restaurants and bars on the first $500 in spending or within the first 4 months (whichever is completed first)
  • Have at least $15,000 in annual household income

BMO CashBack MasterCard

  • No annual fee
  • Earn 5% cash back on first $2,000 in spending or within the first 3 months (whichever is completed first) (if you apply before November 30, 2019)

BMO SPC CashBack MasterCard

  • No annual fee
  • Earn 5% cash back on first $2,000 in spending or within the first 3 months (whichever is completed first) (if you apply before November 30, 2019)

Scotia Momentum Visa Infinite Card

  • $99 annual fee (first year fee waived if you apply before February 28, 2019)
  • $30 annual fee for a supplementary cardholder
  • Earn 10% cash back on first $2,000 in spending or within the first 3 months (whichever is completed first) (if you apply before February 28, 2019)
  • Have at least $60,000 in personal annual income, $100,000 in annual household income or $250,000 in assets under management

American Express SimplyCash Preferred Card

  • $99 annual fee
  • Earn 5% cash back on first $6,000 in spending or within the first 3 months (whichever is completed first)

TD Cash Back Visa Infinite Card

  • $120 annual fee
  • Earn 6% cash back on all purchases on the first $3,500 in spending or within the first 3 months (whichever is completed first) (if you apply before February 25, 2019)
  • Have at least $60,000 in personal annual income, $100,000 in annual household income

BMO CashBack World Elite MasterCard

  • $120 annual fee
  • Earn 5% cash back on all purchases (for the first 3 months, up to $4,000 in spending or $200 in cash back) (if you apply before November 30, 2019)
  • Have at least $80,000 in personal annual income or $150,000 in annual household income

Points Cards

I only listed credit cards that give at least at least 4% cash back worth of points for every $1 spent.

American Express Cobalt Card

  • $10 monthly fee
  • Earn 5 points for every $1 spent on grocery and dining (includes restaurant, bar café, food delivery) purchases (no multiplier bonus limit)

Scotiabank Gold American Express Card

  • $99 annual fee
  • $29 for additional cardholders
  • Earn 4 points for every $1 spent on gas stations, grocery stores, on dining and entertainment on the first $50,000 in annual spending
  • Have at least $12,000 in annual household income

Scotiabank Platinum American Express Card

  • $399 annual fee
  • $99 for supplementary cardholders
  • Earn 4 points for every $1 spent on gas stations, grocery stores, on dining and entertainment on the first $100,000 in annual spending
  • Have at least $12,000 in annual household income

Please let us know in the comment section below if we are missing any credit card offers!

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Pointshogger aims to provide analysis and updates on earning loyalty reward points and maximizing the value of your points. We hope to inspire our readers to experience the joy of travel and make the most out of what they've already got!

  • Ottawa | Vancouver
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