Do you need the best credit card for dining out tonight? Are you tired of eating home-cooked meals? Try scoring some delectable rewards with a credit card designed to boost your earnings at restaurants and on dining out.
Several major card companies offer five-star credit card products for foodies to enjoy. We’ve compiled a list of the best cards for dining out and reward. Good luck!
How Do You Pay With a Credit Card For Dinner?
If you’ve just received your first credit card, the entire process of paying for dinner with your card may appear perplexing.
You must be concerned about the security of your card while it is being charged, how to calculate a tip, or when the charge will appear on your bill. Follow these few procedures and you are good to go.
#1. Pay Restaurant your Bill
Firstly, your server will leave the bill on the table with you. Examine the bill to ensure that the charges are correct.
You should then hand the bill to the waiter or take it up to a cash register to pay in person, it all boils down to which restaurant you went to.
#2. Fill out your Receipt
At this stage when you receive your receipt, it will show the date and time of your purchase, as well as the method of payment.
There will also be a line indicating the total amount you are charged for the meal, including taxes. Usually, restaurants have an area for gratuity or tips.
If you wish to leave a tip with your card, enter the total amount in that line and add it to the cost of your meal; this is what allows them to charge your credit card for the meal and sign off on it.
Best Credit Card For Dining
#1. Chase Freedom flex
This best Credit Card For Dining and The Chase Freedom Flex Card is a great option for those looking for a no-annual-fee card, due to its rotating categories and strong fixed-rate categories.
You can earn 5% cash back on up to $1,500 in quarterly rotating categories (activation required), 5% on travel purchased through Chase Ultimate Rewards 3% on dining and drugstore purchases, and 1% on all other bargains.
#2. American Express Gold Card
Earn 4X Membership Rewards points by dining out, getting takeout, and delivery in the U.S.; Score 4X points at US supermarkets on up to $25,000 in purchases each year; When you book flights directly with airlines or on amextravel.com, you can earn three times as many Membership Rewards points; Earn 1X points on other eligible purchases. This is one of the best credit cards for dining and groceries
#3. Citi Premier Card
With this best credit card for dining out, you should receive 3 points per dollar at restaurants, supermarkets, gas stations, hotels, and air travel. 1 point per dollar on all other purchases, it’s one of the best credit card for dining, and travel.
#4. Citi Custom Cash Card
This best credit card for dining and reward must be a great choice for someone who doesn’t always require a high cash back rate on their dining expenditures and wants to capitalize on other bonus rewards each month.
Benefits include earning 5% cash back on purchases of up to $500 in the top eligible spend category every billing cycle, plus 1% cash back on all other buys.
#5. Chase Freedom Unlimited Card
The Chase Freedom Unlimited Card stands out for its flat-rate rewards structure on everyday expenses, making it the best credit card for dining and reward for those who want to get bonus points from restaurants but don’t want to compromise on rewards from additional purchases.
Bonuses include 5% cash back on Chase Ultimate Rewards travel purchases, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other goods and services.
#6. Capital One SavourOne
If you’re looking for a credit card with excellent rewards and no annual fee, the Capital One SavorOne is the perfect option for you. This is by far one of the best credit cards for dining and rewards. That aside, it’s also one of the best credit cards for dining and groceries.
You’ll get great cash back bonuses in categories like dining, entertainment, and groceries – something not many other cards offer!
#7. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is amongst the most popular travel rewards credit cards. Because it’s loved by all, It’s one of the best credit card for dining and reward, as well as the best credit card for dining and travel.
With its $95 annual fee, cardholders can take advantage of its great returns on travel and dining expenses – points can be redeemed for travel booked through Chase at 1.25 cents per point, or transferred to any of Chase’s 14 valuable airline and hotel partners.
#8. Hilton Honors Surpass Card
Among the many co branded hotel credit cards in the mid-tier section, the Hilton Honors Surpass Card stands out, making it one of the best credit cards for dining out.
It provides desirable elite-level perks for a reasonable annual fee. Upon signing up, new cardholders can earn a generous 130,000 Hilton Honors bonus points if they spend $2,000 on the card within their first three months of holding it.
#9. Blue Cash Preferred
You can maximize your rewards with this card, which offers one of the highest reward rates on U.S. supermarket spending, making it one of the best credit cards for dining and groceries.
Plus, you’ll get great cash back at U.S. gas stations and transit: 6% on select streaming subscriptions, 3% on gas and transit, and 1% on other eligible purchases. This credit card is also one of the best credit cards for dining reward.
Your rewards are received as Reward Dollars and can be redeemed as statement credits.
#10. Target RedCard
The Target RedCard Credit Card is the perfect choice for frequent shoppers at its red-embellished locations. As it’s a store card, it can only be used within the Target marketplace. This card is one of the best credit card for dining and groceries shopping.
#11. Amazon Rewards Visa Signature Card
Do you find yourself shopping for groceries on Amazon or at Whole Foods often? If so, you should make sure you have a credit card with a great bonus for doing so. The Amazon Rewards Visa offers the most generous credit card rewards to Amazon and Whole Foods customers without Prime membership.
You’ll get 3% cashback in rewards at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations, and drugstores, and 1% on all other purchases.
#12. Savor Rewards Credit Card
This card is for individuals who spend heavily on groceries, restaurants, and entertainment and may find that the Savor Rewards credit card*’s bounty rewards justify the $95 annual fee.
Rewards include $5 back on hotels and car rentals
booked through Capital One Travel, $4 cash back on all popular restaurants, entertainment, and streaming services, cash back on grocery stores, and 1% off all other items bought. It’s both the best credit card for dining reward and the best credit card for groceries shopping.
#13. Chase Freedom Unlimited
This card offers a high flat rate award structure for everyday purchases, making it a good choice for those who wish to earn bonus points at restaurants without sacrificing award rates on other purchases. It’s one of the best credit card for dining out.
#14. Capital One Quicksilver
With this best credit card for dining and purchase, you get unlimited 1.5% cash back on every purchase, every day, and 5% rewards on hotels and car rentals booked through Capital One Travel
This card’s rewards Credit Card makes it easy to get unlimited cashback on gas, with a considerable unlimited cashback of 1.5% on every purchase, every day, and 5s on hotels and car rentals.
If you booked through Capital One Travel (the terms)you get these rewards and a great starter bonus: $200 cashback after spending $500 on purchases made within 3 months of account opening.
This card can also help you avoid high-interest rates with an introductory 0% APR on purchases for 15 months and an introductory 0% APR on balance transfers for 15 months.
#15. Wells Fargo Active Cash
This best credit card for dining and gas is a revolutionary credit card that offers clients the highest fixed-rate cash refunds we’ve ever seen, with unlimited $2 rewards on purchases – and guess what, there are no limits, no restrictions, and don’t follow rotating categories!
That’s right, you get unlimited $2 rewards on purchases, including petrol stations.
Even with this impressive spending reward rate, this card offers a great sign-up bonus: Earn a $200 cash rewards bonus after your $1,000 purchase in the first 3 months.
And it doesn’t end there! Cardholders also enjoy an introductory interest rate of 0% for 15 months from account opening on qualifying purchases and balance transfers
Do Most Restaurants Accept Credit Cards?
Yes, most restaurants accept credit cards. You should be able to use a credit card for food. You can buy food with a credit card at grocery marts, restaurants, wholesale clubs, food trucks, fast food locations, and anywhere that sells food and accepts credit card payments.
Using the right rewards credit card to buy food can save you up to 6%, this should be an incentive to try out your credit card when next you eat out.
Which Credit Card is Best for Dining Out?
Some of the best credit cards for dining out include;
- Chase Freedom flex
- American Express Gold Card
- Citi Premier Card
- Citi Custom Cash Card
- Chase Freedom Unlimited Card
Can You Use a Credit Card For Food?
Yes, you can use your credit card to pay for food at any fold store you dine at. One remarkable peak of using your credit card to pay for food is that you earn rewards and cash back after you use your credit to pay for food.
What Are The Credit Card Fees For Restaurants?
Leading credit card corporations tax merchants for processing fees to use their services, which range from 1.25% to 3.3% of each transaction.
The exact amount depends on the company, what credit card you’re using and the merchant services provider used
Why Do Restaurants Ask For Credit?
At least, it enables a restaurant owner to measure the nature of that evening’s business; furthermore, it urges the client to be more trustworthy and reliable when making reservations, which is vital to the restaurateur.
Conclusions
Just as restaurants and dining experiences and ordeals can differ widely, there are also different types of dining credit cards. Some cards are associated with specific restaurant chains. groceries as well as in all restaurants.
And still, others cater to frequent travelers who like to eat out outside of the city. Therefore, the best restaurant credit card for one person may not be the best for you. So anyway, these are our picks of some of the best credit cards for dining out.
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