Credit cards with restaurant shopping benefits: Which are the best?
In times of valued experiences, credit cards with benefits for restaurant purchases have become the new passport for those who want to combine gastronomic pleasure with financial intelligence.
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Eating well today goes beyond just savoring the taste: it also means saving money, accumulating points, accessing exclusive events, or taking advantage of discounts on delivery apps.
In 2025, this type of card became a trend — not for status, but for strategy.
In this article, you'll understand why these cards are among the most advantageous on the market, how to choose the ideal one based on your profile, which are the best at the moment, and how to turn each meal into a tangible return in your pocket.
We approach everything with real data, practical examples, and a current, creative, and objective approach.
The market's appetite for smart financial experiences
Brazilians are increasingly consuming food outside the home. According to Abrasel (Brazilian Association of Bars and Restaurants), the sector generated over R$1.5 billion in revenue in 2024 and is expected to surpass R$1.5 billion in revenue in 2025.
Spending on eating out represents around 28% of the budget of middle-class families in urban centers, according to data from FGV.
Faced with this reality, the credit cards with benefits for restaurant purchases began to offer advantages that go beyond the basics.
Among these advantages, we find, for example:
- targeted cashback;
- early access to reservations;
- events with renowned chefs;
- discounts on combos;
- coupons for delivery apps;
- loyalty programs focused on gastronomy and even personalized advice.
Read also: The influence of social media on credit card choices in 2025
Real benefits or marketing hype?
Not every card that promises benefits for restaurants actually delivers.
There are offers that require a high monthly spend to release cashback, others with very geographically restricted partnerships, and even benefits that depend on complex manual activations, which many users don't even use.
The analogy here is simple: imagine paying for a full buffet, but only being entitled to three pieces of sushi.
This is how many consumers feel when they apply for a card without evaluating all the important criteria. Therefore, making an informed choice requires attention to detail.
By considering criteria such as annual fees, cashback value, variety of partners, app integration, points program rules, and clear communication of benefits, users avoid frustration and turn the card into a true ally.
Don't go, you might also be interested in: Credit cards with benefits for purchases at cosmetic stores: which are the best?
How to choose the best card for your gastronomic profile?
Before choosing your ideal card, it's worth answering a simple question: what is your consumption pattern at restaurants?
Do you order food from apps like iFood or Rappi every day? Do you prefer going out on weekends? Do you frequently attend corporate dinners?
Understanding your behavior is the first step. Then, evaluate the following points:
- Cashback and miles: what percentage is offered to restaurants and whether it is applied to the gross value.
- Partners: Are the establishments you frequent part of the partner networks?
- Ease of use: Is the app intuitive? Are points easily redeemable?
- Fees: Is there an annual fee? Is it possible to waive it based on minimum spending or investments?
- Additional experiences: Do you offer priority reservations, events or exclusive tastings?
Also consider that concentrating your spending on a single card can significantly increase your benefits, as well as making financial control easier.
The best restaurant-focused cards (2025)
We select the most advantageous cards currently available based on public data, expert analysis, and the institutions' reputation.
They all offer real advantages for those who value gastronomy and financial organization.
XP Visa Infinite
- 3% Cashback in partner restaurants and selected apps.
- Access to ChefsClub, with discounts at over 1,000 restaurants.
- Benefits at exclusive events with chefs, sommeliers and wine and food experiences.
- Free annual fee with investments starting from R$ 5,000.
C6 Carbon Mastercard Black
- Until 2.5% cashback in purchases at physical restaurants and through delivery.
- Atoms Program with points that do not expire and conversion to miles at no cost.
- Automatic discounts at partners like iFood, Outback, Pizza Hut, and premium chains.
- Annual fee waiver for customers with monthly expenses above R$ 4,000.
Bradesco Elo Nanjing
- Focus on gastronomic experiences in tourist and coastal destinations.
- Participation in the Elo Flex program with customizable benefits.
- High Livelo points that can be exchanged for dinners, wines and courses.
- VIP and concierge service for reservations at international restaurants.
The practical impact of benefits on everyday life
Rodrigo, an HR executive in Curitiba, joined XP Visa Infinite in 2023. With his busy schedule of meetings and lunches with clients, he centralized payments for the department on the card.
In six months, he accumulated over R$1,500 in cashback, plus a free tasting night at an award-winning restaurant. A dinner that, on any other occasion, would have cost over R$800.
Carla, a doctor living in Rio de Janeiro, has been using the C6 Carbon since 2022. By linking her card to the Rappi app, she received 70% in discounts on monthly orders and exchanged the points for a gastronomic weekend in Tiradentes, one of her favorite destinations.
These are just two examples of how the strategic use of credit cards with benefits for restaurant purchases can generate financial returns and memorable experiences.
How to get the most value from your card?
- Sign up for partner apps: iFood, Rappi, Uber Eats and ChefsClub are the main ones.
- Follow seasonal campaigns: Dates like Black Friday, Valentine's Day and Customer Week usually offer double cashback.
- Use the bank app to activate campaigns, view points balance and redeem rewards.
- Avoid paying for meals in installments: many promotions are only valid for cash payments.
- Analyze your expenses monthly and the effective return that the card offers.
According to a survey by Exame Invest, customers who monitor their spending weekly make 47% more use of the loyalty programs offered by their cards.
The burning question: are you just paying or investing in each meal?
Meals are part of everyday life, but what if each one could be converted into miles, discounts or experiences?
You credit cards with benefits for restaurant purchases take this essential expense to another level: that of financial intelligence with flavor.
Rather than viewing the bill as a fixed cost, many consumers are turning eating out into tangible returns—whether it's travel, rewards, or VIP access to events.
Frequently Asked Questions
1. Can I have more than one card with restaurant benefits?
Yes, but concentrating your spending on just one thing usually generates more returns in points and cashback.
2. Do these benefits also apply to delivery?
Yes, especially with partner cards from iFood, Rappi, Uber Eats, and similar apps.
3. Do no-annual-fee cards offer real benefits?
Some do, especially fintechs with digital partnerships. But the benefits tend to be smaller than those offered by premium cards.
4. How do I know if a restaurant is a partner?
The bank or partner platform's app usually displays an updated list. It's recommended to check before making a reservation or order.
5. Do accumulated points expire?
It depends on the card. The C6 Carbon, for example, has points that never expire. Others require redemption within specific timeframes.
