Best Dining Rewards Credit Cards
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From urban professionals to business travelers, some Americans can devote a significant amount of their income dining out. In many cases, we are simply too busy to purchase and prepare a meal, let alone clean up afterwards.
So if you are one of these frequent diners, it makes sense to use a credit card that offers additional rewards for eating out. The best cards for dining out will offer bonus rewards at restaurants, and sometimes access to special events featuring celebrity chefs.
Cardholders should also look closely at how their rewards can be used. For example, many credit cards offer reward points that can be transferred to airline miles or hotel points.
Two of the top dining rewards credit cards:Capital One® Savor® Cash Rewards Credit Card gives cardholders 4% back on all dining and entertainment expenses, 2% cash back on grocery store purchases, and 1% back on all other transactions. There is no limit to the rewards you can earn. Plus, there is an early spend bonus of $300 if cardholders spend $3,000 on the card within three months of approval. There are no foreign transaction fees, but there is an annual fee of $95 that is waived during the first year. The APR is between 15.99% - 24.99% (Variable) depending on your credit worthiness.
Capital One® SavorOne® Cash Rewards Credit Card is marketed to people who love dining out or creating meals at home. Cardholders earn 1% cash back on all purchases, but the rewards are particularly good on dining out and entertainment (3% cash back) and grocery store purchases (2% cash back). New SavorOne cardholders receive a $150 cash bonus when they spend $500 within the first three months of being a card member. The SavorOne card offers an introductory 0% APR for the first 15 months on purchases and balance transfers. After that, the rate increases to 15.49% - 25.49% (Variable), depending on the cardholder’s credit.
Citi® Double Cash Card – 18 month BT offer offers you the chance to earn cash back twice on everything you buy. You earn 1% cash back on all purchases at the time of the transaction, and another 1% when payment is made for a total of 2% cash back. This card also offers 18 months of 0% APR introductory financing on balance transfers, as long as the balance transfer is made within the first four months of being a cardholder. The balance transfer comes with a 3% balance transfer fee. Once the promotional financing rate expires, a standard interest rate of 13.99% – 23.99% (Variable) will apply to the remaining balance, which is a variable rate based on the Prime Rate.