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.
Wells Fargo Propel American Express® Card
The Wells Fargo Propel American Express Card gives 3 points per dollar on your dining purchases, making it one of the most valuable cards for dining. You can also earn 3 points per dollar that you spend on travel, gas, rideshares, and transit. In addition, this credit card offers a sign-up bonus of 30,000 points, which is the richest bonus among no-annual-fee credit cards.
Rewards points can be redeemed for gift cards, travel, or merchandise at Wells Fargo Go Far Rewards. Gift card redemption usually starts at 2,500 points for a $25 gift card. You can select gift cards from popular retailers or gas stations, such as Amazon, Exxon Mobil, Shell, Best Buy, Home Depot, BP, Starbucks, Target, Barnes Noble, Bed Bath & Beyond, etc.
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 16.24% - 26.24% (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.
TRIO® Credit Card from Fifth Third Bank
The TRIO Credit Card from Fifth Third Bank offers 3% cash back on purchases at restaurants. In addition, you can earn 2% cash rewards on your eligible purchases at gas stations, grocery stores, and drug stores, and unlimited 1% cash back on all other purchases. In addition, it offers new card members a cash bonus of $100 after $1,000 is spent within the first 90 days of account opening. This credit card also has no international transaction fees when you use it abroad.
Fifth Third Bank is a regional bank with more than 1,200 full-service locations in the ten different states: Ohio, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Tennessee, West Virginia. To be eligible for its TRIO® Credit Card from Fifth Third Bank, you need to be a resident of those states.
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 more rewards and bonus on dining, the Wells Fargo Propel American Express® Card might be the best. 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.