Top Credit Cards to use at Restaurants (updated January 29, 2015)

With Valentine’s day fast approaching, I thought it was a good time to update the “top credit cards to use at restaurants” list. Below is a list of the top credit cards to use at 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

Scotiabank Gold American Express Card

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

Capital One Platinum MasterCard

• No annual fee
• Exclusive to Costco members
• Earn 2x the cash back on the first 3 months
• Earn 6% cash back in the first 3 months on restaurant purchases (earn 3% thereafter)

CIBC Aerogold Infinite Visa Card

• $120 annual fee
• Earn 15,000 sign up bonus points after the first purchase
• Earn 5,000 bonus points when after spending $500 in purchases during first 3 months (if you apply before December 31, 2014)
• Earn 3 points for every $1 spent at participating CIBC Bonus Rewards restaurants

American Express SimplyCash Preferred Card

• $79 annual fee
• Earn 5% cash back on purchases for the first 6 months (up to $400 cash back or $8,000 on purchases)
• Earn 1.5% cash back after your first 6 months (on the first $100,000 annual purchases)

American Express SimplyCash Card

• No annual fee
• Earn 5% cash back on all gas stations, grocery stores and 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

MBNA Rewards World Elite MasterCard

• $89 annual fee
• Earn 2 points for every $1 on all purchases

Capital One Aspire World Travel MasterCard 

• $120 annual fee
• Earn 2 points for every $1 spent on all purchases

BMO World Elite MasterCard

• $150 annual fee
• Earn 2 points for every $1 spent on all purchases

Chase Marriott Rewards Premier Visa Card

• $120 annual fee (waived the first year)
• Earn 2 points for every $1 spent on restaurants