Several credit cards offer rewards on dining, thanks to bonus points on restaurant spending. We looked through the card issuers’ offerings to see which cards are the most generous with their bonuses for dining purchases and found four that offer a lot while charging no annual fee and offering plenty extra on the side.
Capital One® SavorOne® Cash Rewards Credit Card
The Capital One SavorOne Cash Rewards Credit Card offers 0% APR for the first 15 months on purchases and balance transfers. After the intro period ends, the go-to rate of 15.49% - 25.49% (Variable) applies. The card is a great option for fine dining, offering unlimited 3% cash back rewards for dining. You can also earn unlimited 3% cash back on entertainment, 2% cash rewards on groceries, and 1% cash back on everything else. In addition, it offers new card members a bonus of $150. You only need to spend $500 on purchases in the first 3 months to qualify for the bonus, which is easily attainable.
Bank of America® Business Advantage Cash Rewards Mastercard®
Bank of America Business Advantage Cash Rewards Mastercard is a great payment card for going out to eat. You can earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases. This credit card also gives a $300 cash back bonus after you spend at least $3,000 in net purchases within 90 days of your account opening.
The Right Dining Credit Card for You
Each of these cards offers an extra bonus for restaurant purchases, but which is right for you? It depends on what extra benefits you are looking for. If you want straightforward cash rewards, the Capital One® SavorOne® Cash Rewards Credit Card is your best bet. If you want cash back on your business spending, the Bank of America® Business Advantage Cash Rewards Mastercard® will give you more. No matter what you want to get back from your dining spending, there is a card for you.