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Top Credit Cards to use at Restaurants (updated February 17, 2018)

It has been just over a year since I last updated this post. A few changes to the industry means this post is due for an update. Usually I update this post ahead of Valentine’s Day, but hey, we eat all year round. Furthermore, this has been a long winter in some parts of the country, so spring and summer cannot come soon enough, where we might be more willing to go out. So below is a list of the top credit cards to use at restaurants if you want to prepare for warmer weather ahead of time.

I have classified the credit cards in different categories and listed according to their annual fees. Only credit cards offering at least a 3% return are listed.

Cash Back Credit Cards

American Express SimplyCash Card

  • No annual fee
  • Earn 5% cash back on restaurants purchases (up to $250 cash back or a maximum of $5,000 in purchases) for the first 6 months
  • Earn 1.25% cash back on all other purchases and thereafter

BMO CashBack MasterCard

  • No annual fee
  • Earn 4% cash back on all purchases (for the first 4 months, up to $3,125 in spending or $125 in cash back) (if you apply before October 31, 2018)

BMO SPC CashBack MasterCard

  • No annual fee
  • Earn 4% cash back on all purchases (for the first 4 months, up to $3,125 in spending or $125 in cash back) (if you apply before October 31, 2018)

American Express SimplyCash Preferred Card

  • $79 annual fee
  • Earn 5% cash back on all purchases for the first 6 months (up to $400 cash back or $8,000 on purchases)

CIBC Dividend Visa Platinum Card

  • $99 annual fee for first time cardholders (first year fee waived if you apply before February 28, 2018)
  • Earn 4% cash back on the first 4 months (up to $5,000 in spending or $200 in cash back) (if you apply before February 28, 2018)

CIBC Dividend Visa Infinite Card

  • $99 annual fee for first time cardholders (first year fee waived if you apply before February 28, 2018)
  • Earn 4% cash back on the first 4 months (up to $5,000 in spending or $200 in cash back) (if you apply before February 28, 2018)

BMO CashBack World Elite MasterCard

  • $120 annual fee
  • Earn 4% cash back on all purchases (for the first 4 months, up to $3,125 in spending or $125 in cash back) (if you apply before October 31, 2018)

Fixed Rewards Credit Cards

Capital One Platinum MasterCard

  • No annual fee
  • Exclusive to Costco members
  • Earn 3% cash back on restaurant purchases

Scotiabank Gold American Express Card

  • $99 annual fee
  • $29 for additional cardholders
  • Earn 4 points for every $1 you spent on dining

CIBC Aventura Visa Infinite Card

  • $120 annual fee (first year fee waived if you apply by February 28, 2018)
  • Earn 3 points for every $1 spent at select CIBC bonus rewards restaurants

Scotiabank Platinum American Express Card

  • $399 annual fee
  • $99 for supplementary cardholders
  • Earn 30,000 bonus points with your first card purchase
  • Earn 4 points for every $1 you spent on dining

Co-branded Credit Cards

CIBC Aerogold Infinite Visa Card

  • $120 annual fee
  • Earn 15,000 sign up bonus points after the first purchase
  • Earn 3 points for every $1 spent at participating CIBC Bonus Rewards restaurants

CIBC Aerogold Visa Infinite Privilege

  • $399 annual fee
  • $99 annual fee for a supplementary cardholder
  • Earn 3.75 Aeroplan miles for every $1 spent at CIBC Bonus Rewards restaurants

Hybrid Credit Cards

American Express Cobalt Card

  • $10 monthly fee
  • Earn 5 points on restaurant purchases

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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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