MoneyGeek's Take

Best Business Credit Cards for Dining in 2023

The best business credit cards for dining come with high reward/cash back earn rates on dining and possibly other categories. Some of the top ones charge no annual fees or foreign transaction fees.

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This article is part of our larger series on Best Business Credit Cards

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If dining accounts for a noticeable portion of your business expenses, getting a dining business credit card might work well for you. While you typically stand to earn higher points or cash back when you use these cards to make payments at restaurants, the earn rate varies from one card to the next.

If your business travels entail using a particular group of hotels, you may benefit by getting a co-branded card. The top dining business credit cards that fit this bill include the Hilton Honors American Express Business Card and the Marriott Bonvoy Business® American Express® Card.

Some of the best business credit cards for dining come with no annual fees, and a few do away with foreign transaction fees as well. Other aspects that require your attention when selecting a card that works well for you include other bonus categories, APRs, welcome offers and added perks.

This article is part of our larger series on
Best Business Credit Cards

MoneyGeek’s Take: Top 5 Business Credit Cards for Dining

Quick Summary

Pay particular attention to the points/cash back earn rate that applies to dining and other categories. Depending on the features you’re after and the card you get, you might need to pay an annual fee. We account for these factors and others such as APRs, foreign transaction fees and welcome offers to arrive at our list of top five dining business credit cards. You can view more options further down the page.


  • The Hilton Honors American Express Business Card

    This business credit card is perfect for earning Hilton Honors points


    • Good–ExcellentRecommended Credit
    • $95Annual Fee
    • 3–12 Points per $1*Rewards Rate
    • 12xRewards Rate at Hotels
    • 6xRewards Rate on Gas

    The Hilton Honors American Express Business Card

    Terms, rates and fees apply

  • Marriott Bonvoy Business® American Express® Card

    Excellent card for maximizing the rewards you earn while traveling


    • Good–ExcellentRecommended Credit
    • $125Annual Fee
    • 2–6 Points per $1*Rewards Rate
    • 6xRewards Rate at Hotels
    • 4xRewards Rate on TV, Phone, Internet Services

    Marriott Bonvoy Business® American Express® Card

    Terms, rates and fees apply

  • Costco Anywhere Visa® Business Card by Citi

    An excellent no-annual-fee rewards card for Costco members


    • ExcellentRecommended Credit
    • $0Annual Fee
    • 1–4% Cash Back*Rewards Rate
    • 4xRewards Rate on Gas
    • 3xRewards Rate on Dining

    Costco Anywhere Visa® Business Card by Citi

    Terms, rates and fees apply

  • Capital One Spark Cash Plus

    Excellent card for earning rewards through employee spending


    • ExcellentRecommended Credit
    • $150Annual Fee
    • 2% Cash BackRewards Rate
    • 2xRewards Rate on Gas
    • 2xRewards Rate on Groceries

    Capital One Spark Cash Plus

    Terms, rates and fees apply

Summary of the Best Business Cards for Dining

The corresponding dining business card comparison table lets you check APRs, reward rates and annual fees of other good dining business credit cards quickly and easily.

  • Credit Card
    Best For
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • The Hilton Honors American Express Business Card
    This business credit card is perfect for earning Hilton Honors points
    3–12 Points per $1*
    $95
  • Marriott Bonvoy Business® American Express® Card
    Excellent card for maximizing the rewards you earn while traveling
    2–6 Points per $1*
    $125
  • Costco Anywhere Visa® Business Card by Citi
    An excellent no-annual-fee rewards card for Costco members
    1–4% Cash Back*
    $0
  • Ink Business Cash® Credit Card
    Fantastic card for earning rewards on office supplies
    1–5% Cash Back*
    $0
  • Capital One Spark Cash Plus
    Excellent card for earning rewards through employee spending
    2% Cash Back
    $150
  • United℠ Business Card
    A good miles-earning credit card with exclusive rewards and no foreign transaction fees
    1–2 Miles per $1*
    $99
  • Capital One Spark Cash Plus
    Excellent card for earning rewards through employee spending
    2% Cash Back
    $150
  • Capital One Spark Miles for Business
    Best flat-rate rewards card for frequent flyers
    2 Miles per $1
    $95
  • Delta SkyMiles® Gold Business American Express Card
    A great miles rewards card with no foreign transaction fee for frequent business travelers
    1–2 Miles per $1
    $99
  • Capital One Spark Cash Select - $500 Cash Bonus
    A great no-annual-fee business card with 1.5% cash back
    1.5% Cash Back
    $0
  • Ink Business Unlimited® Credit Card
    A great business card with a flat, simple rewards structure and no annual fees.
    1.5% Cash Back
    $0
  • The Plum Card® from American Express
    Great no preset spending limit card with flexible payback methods
    1.5% Cash Back
    $250
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MONEYGEEK EXPERT TIP

It pays to know the value of the rewards that you're earning on your spending. While one card may have a higher bonus multiplier, if its points are worth significantly less, you may be earning lower rewards than if you picked a different card. -- Lee Huffman, credit card expert at BaldThoughts.com.

How to Compare Business Credit Cards & Intro Offers

There are multiple dining business credit cards to choose from, which is why it’s important to pay attention to different aspects before making a selection.

1

Rewards/cash back rate

Reward/cash back rates for dining and other bonus categories vary based on the card you get. For example, the Amex Hilton Honors Business Card offers 6x points for spending at U.S. restaurants, and this changes to 4x points with the Amex Marriott Bonvoy Business Card. The Costco Anywhere Visa® Business Card by Citi, on the other hand, offers 3% cash back when you spend at restaurants worldwide.

2

Annual fee

Depending on the features you’re after, you might need to pay an annual fee. If you're paying an annual fee, make sure that the additional spending rewards and benefits justify the extra cost. Examples of dining business credit cards with no annual fees include the Costco Anywhere Visa® Business Card by Citi and the Ink Business Cash® Credit Card Credit Card.

3

APR

Even the best business credit cards for dining usually come with higher APRs than cards that offer no rewards or cash back. As a result, consider getting a business card with a low APR if you plan to maintain revolving balances in your account.

4

Welcome offer

Most of the top dining business credit cards give you the ability to earn time- and spend-based welcome bonuses. For instance, the Capital One Spark Cash Plus Card comes with an early spend bonus offer that gives you the ability to earn $500 by spending $5,000 on purchases in the first three months, and an additional $500 once you spend $5,000 in the first 3 months, and $2,500 once you spend $50,000 in the first 6 months of account opening.

5

Co-branded or not

If your business favors using a particular group of hotels or airlines, you may want to consider getting a co-branded card that offers rewards/cash back on dining. These cards offer specific perks for that brand, such as automatic or accelerated elite status, that make the card worthwhile. Examples of such cards include the Amex Hilton Honors Business Card, the Amex Marriott Bonvoy Business Card, the Amex Delta SkyMiles Gold Business Card and the United℠ Business Card.

6

Foreign transaction fee

If you plan to use your credit card outside of the U.S., think about getting one that charges no foreign transaction fees. Otherwise, you may be charged up to 3% extra on each international transaction. The top dining business credit cards that do away with this fee include the Costco Anywhere Visa Business Card, the Hilton Honors Business Card, the Marriott Bonvoy Business Card and the Capital One Spark Cash Plus Card.

7

Added perks

Access to different expense management tools is fairly common with the top dining business credit cards. Other card-specific features and benefits on offer include $0 fraud liability, purchase protection, extended warranty, loyalty program membership status upgrades and travel insurance coverage.

Further Reading

About Rajiv Baniwal


Rajiv Baniwal headshot

Rajiv Baniwal is a journalist who has been covering financial topics for over 15 years. Meticulous in his research, he provides accurate and up-to-date information. His expertise includes mortgages, loans, credit cards, insurance and international money transfers.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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