Foodies, rejoice! If you're someone who loves dining out and trying new restaurants, wouldn't it be great to earn rewards and save money while you do so? Well, this is where the best credit cards for restaurants come in! In this Flik Eco guide, we'll help you find the perfect credit card that caters to your gourmet adventures, so you can eat your way to rewards, cash back, and more. Bon appétit!
Best Credit Cards For Restaurants Table of Contents
What to Look for in a Restaurant Credit Card
When you're searching for the perfect credit card to suit your restaurant dining needs, consider the following factors:
- Restaurant rewards: Look for a card that guarantees bonus rewards or cash back for dining, from fast-food joints to fancy restaurants, including takeout and delivery services.
- Sign-up bonuses: Some credit cards offer a welcome bonus after meeting a certain spending requirement. Choose a card that has a reasonable requirement with a generous bonus.
- Annual fees: Make sure to weigh the cost-benefit ratio of a card's annual fee. A higher fee might be acceptable if the benefits and rewards make it worth it.
- Other perks and benefits: Look for value-added benefits, like travel rewards, no foreign transaction fees, and complimentary insurance coverages that you can utilize effectively.
Our Top Picks for the Best Restaurant Credit Cards
In no particular order, here are the five best credit cards that offer irresistible rewards and perks for dining out:
1. American Express Gold Card
- 4x Membership Rewards points on dining and U.S. supermarkets
- $120 dining credit per year ($10 per month) at specific partners
- 3x points on flights booked directly with airlines
- $250 annual fee
2. Capital One Savor Rewards
- 4% cash back on dining and entertainment
- 2% cash back at grocery stores
- 1% on all other purchases
- $300 welcome bonus after spending $3,000 in the first three months
- $95 annual fee (waived for the first year)
3. Chase Sapphire Reserve
- 3x points on dining and travel (excluding flights booked through Chase Ultimate Rewards)
- 50% more value when redeeming points for travel through Chase Ultimate Rewards
- $300 annual travel credit
- $550 annual fee, including extensive travel perks and benefits
4. Discover it Cash Back
- 5% cash back on rotating categories, including restaurants during specific quarters
- 1% cash back on all other purchases
- Cashback Match: Discover will match all the cash back you earn in your first year
- No annual fee
5. Uber Visa Card
- 4% cash back on dining, including Uber Eats
- 3% back on travel and hotel, including airfare, vacation rentals, and hotels
- 2% cash back on online purchases, including Uber rides
- No annual fee
Best Credit Cards For Restaurants Example:
Imagine dining out with friends for dinner at a trendy new restaurant. You've chosen the American Express Gold Card as your go-to restaurant credit card. Your bill comes to $150, and because you're earning 4x Membership Rewards points on dining, you receive 600 points! Plus, if you use your card at one of the card's partner restaurants, you can utilize your monthly $10 credit, making the total bill only $140.
With so many delicious rewards on the table (pun intended!), it's time to treat yourself to the best credit cards for dining out. These cards will not only help you save money but also enjoy bonus benefits along the way. Feel free to dive deeper into our other Flik Eco personal finance guides to make the most of your financial journey. Now, go ahead, share this article with fellow foodies, and earn your way to culinary bliss with every swipe!
