Top Dining Rewards Credit Cards in 2020
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Everyone loves to eat! And there are a number of ways we can pay for our dining experiences. If you use certain credit cards, you can maximize the rewards you earn. Here are some of the top credit cards with dining rewards for 2020:Capital One® Savor® 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 (4% cash back) and grocery store purchases (2% cash back). New Savor cardholders receive a $300 cash bonus when they spend $3,000 within the first three months of being a card member. The Savor card has an APR of 15.99% - 24.99% (Variable), depending on the cardholder’s credit. In addition to cash back rewards, the Savor card offers a number of other benefits, including no foreign transaction fees, 24-hour travel assistance, extended warranties, price protection, and auto rental collision damage waivers.
Chase Sapphire Preferred® Card is one of the top travel cards in the credit card industry. Benefits include 60,000 bonus points when you spend $4,000 on purchases in the first three months of opening your account which is the equivalent of $600 in cash or $750 when redeemed through Chase Ultimate Rewards. You’ll also get 24/7 customer service, which allows you to talk to a real person whenever you’d like. Cardholders receive one point for every dollar spent, and two points on travel and restaurant dining, which makes the card a very solid option for those who do a lot of traveling. In addition, the card has no foreign transaction fees, and offers 1:1 point transfers on participating travel programs. The card has an APR of 17.49% - 24.49% Variable, depending on your creditworthiness. The Chase Sapphire Preferred card has a $95 annual fee.
Capital One® SavorOne® Cash Rewards Credit Card is similar to the Capital One Savor card but with some slight differences. The biggest one is that this card has no annual fee but the rewards are slightly less attractive. Cardholders still earn 1% cash back on all purchases and 2% back on all grocery store transactions, but the rewards on dining out and entertainment are 3% cash back (versus 4% cash back for the Savor card). New SavorOne cardholders receive a $150 cash bonus when they spend $500 within the first three months of being a card member. Unlike the Savor card, the SavorOne card offers an attractive introductory offer: 0% APR for the first 15 months on both 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, with a 3% balance transfer fee. The balance transfer has to be completed within the first four months for this introductory rate to apply. Once the promotional financing rate expires, a standard interest rate of 15.49% - 25.49% (Variable) will apply to the remaining balance, which is a variable rate based on the Prime Rate. There is no annual fee on this card.
Capital One® Quicksilver® Cash Rewards Credit Card offers customers the same rewards on all purchases with no limits, 1.5% cash back. Rewards never expire, and you can redeem your rewards in any amount and at any time. New applicants also receive a $150 cash bonus when they use their card to spend $500 on new purchases within the first three months of account opening. This card also offers new applicants 15 months of 0% APR promotional financing on both new purchases and balance transfers, with a 3% balance transfer fee. After the promotional financing period expires, the standard interest rate of 15.49% - 25.49% (Variable) for purchases will apply, and the rate you receive will be based on your creditworthiness when you applied.