We’re all so busy these days. Between work, kids’ after-school activities, and our own social lives, it’s hard to find a spare moment to go grocery shopping — much less put dinner on the table!
Sometimes the on-the-go nature of a modern life makes restaurants a necessity. Or, maybe you just enjoy taking one night a week to treat yourself and your family to an elegant meal outside the house.
If you spend most meals out on the town, it makes sense to use one of the best credit cards for restaurants to pay for your meals. After all, you deserve some credit for your loyalty to your favorite neighborhood spots.
Today, we’re taking a look at some of the best ones around, so you can make an informed decision. Ready to get started? Let’s learn more!
The Best Credit Cards for Restaurants
A credit card with rewards for eating out is a great choice for a foodie’s wallet. These cards will thank you for visiting a restaurant with points and cash-back rewards. Check out these six options if you’re looking for the best credit card for your night out.
1. Discover It Cash-Back
The Discover It credit card comes out at the front of the pack with a 5% cash back reward and no annual fee. Cash-back is only applicable to certain purchases that rotate quarterly, but restaurant visits are frequently rewarded.
The card’s also a bit customizable. You can choose from a variety of card colors, so you’ll never lose sight of your bright orange or purple card in a dark wallet!
The card also offers 1% cash back on all purchases not eligible for the 5% bonus. And after your first year, Discover matches all your cash back to date as a sort of thank-you gift for signing up!
2. Chase Sapphire Preferred
Chase’s Sapphire Preferred attracts the global food connoisseur. It’s one of the best credit cards for restaurants, offering double points on purchases. However, it also rewards those who want to experience the cuisines of the wider world.
Chase rewards accrue on a points system. You can then redeem those points for travel perks, so you can continue experiencing the cultures of the world through food!
3. Uber Visa
Though you might think an Uber credit card would reward ride-sharing over other pursuits, the Uber Visa thanks you for dining out to the tune of four points per dollar. This focus is perhaps meant to promote Uber’s side-hustle food delivery service, UberEats. It’s a smart move for the company and its card users, since food delivery is more popular than ever before.
Uber rides will net you a 2-points-per-dollar reward, as will certain online purchases. It’s ideal for the online subscriber, too — if you spend $5,000 in a year, you’ll receive a $50 credit toward subscriptions like Netflix, Hulu, or Amazon Prime. There’s no annual fee, and you can redeem your points for Uber ride credits among other rewards.
4. Capital One SavorOne
This card is the best credit card for dining and cooking lovers. Capital One’s SavorOne card presents users with 3% cash back when you dine out and 2% cash back when you pop by the grocery to make dinner in your own kitchen.
This card also offers you some joining perks. Purchases and balance transfers in your first 15 months are at a 0% APR. This card has no annual fee, and they’ll gift you $150 if you spend $500 or more in your first 3 months.
5. The Chase AARP Card
Chase’s AARP card isn’t just for AARP members. In fact, anyone can apply. At 3% cash back for dining and 1% for all other purchases, it’s a great restaurant-focused credit card.
However, the card also offers an appeal to the most philanthropic among serial diners. Chase and AARP donate ten cents of every dollar you spend at your favorite hole-in-the-wall taco shop or well-appointed steakhouse to The Drive to End Hunger.
You’ll also receive a first-year bonus with this card. If you spend $500 in the first three months, they’ll give you a $100 credit! And with unlimited cash back, you’ll get a reward no matter how often you sit down at a restaurant table.
6. Citi ThankYou Preferred
You’ll get double points every time you use Citi’s ThankYou Preferred card to pay for dining and entertainment. With an intro APR of 0% during your first seven months, it’s a good option for young people and college students looking to build credit with their first card. After all, we’ve all been that college student who orders pizza at 1:00 a.m. because they studied for a big exam straight through dinnertime!
The Citi ThankYou Preferred card has no annual fee and you can redeem points for anything from a mortgage payment to a rental car. You can also secure travel insurance through your card, and you have no liability for fraudulent charges if your card is stolen.
Enjoy a Night Out – Every Night!
A restaurant-friendly credit card gives you the freedom to dine out whenever you like. You’ll also have the added benefit of knowing you’ll reap the rewards of your habitual visits. If you go often enough, you might even find that your dinners are paying for themselves over time!
Are you still curious about the best credit cards for restaurants? Do you need some general financial advice? If so, you don’t have to go far!
Check out our learning center for all you need to know about managing your money wisely. It’s never too late to get started on the right foot.