Dining rewards are among the most sought-after bonus category in credit cards. After all, who doesn’t like to eat – so why shouldn’t you get rewarded for enjoying your favorite foods? Here are our top dining credit cards for foodies when dining in, taking out, or however you want to stuff your face!
At a Glance
Why Choose a Dining Rewards Credit Card?
Dining rewards credit cards offer rewards for every dollar spent on dining. Many of these cards also provide rewards for other categories, including things like gas, groceries, or travel. These dining cards can help you earn rewards and save money on your dining and travel expenses while also providing additional benefits and perks that can enhance your overall experience. However, it’s essential to choose a card that matches your unique spending habits and financial goals to make the most of the rewards and benefits provided.
What to Look for In Dining or Food Delivery Credit Card
You should consider your spending habits, lifestyle, and financial goal when applying for any credit card, but especially when it’s a dining credit card. That’s because there are a number of issues that can significantly impact the value you get. Here are some of the most important things to look out for:
| ① Annual fee | Some dining cards charge an annual fee. These cards provide slightly higher earning rates, but you need to weigh the annual cost with the points available. When in doubt, opt for a no annual fee credit card. |
| ② Rewards | Check to see what type of rewards each card offers. Some dining credit cards offer cash back or points for every dollar spent on dining, while others offer may provide multiple bonus categoires. |
| ③ Sign-up bonus | Dining credit cards usually come with a cash back or statement credit welcome offer yo new accounts. Make sure you fully understand the spending requirements, deadlines, and regulations of welcome bonusses before applying. |
| ④ Credits | Some cards provide statement credits for dining purchases, complimentary delivery memberships, and more. |
| ⑤ Payment network | Don’t forget to check if your favorite restaurants accept the card’s payment network (Visa, Mastercard, Amex, Discover). Some merchants do not accept Discover or Amex, for example, due to higher surcharges. |
| ⑥ Delivery | Food delivery services like Uber Eats, GrubHub, DoorDash, and more are growing in popularity. Some cards provide a complimentary or discounted subscription to these services. |
The Best Restaurant & Dining Credit Cards
Now that you know what to look for in your next dining credit card, what are the top picks to consider? Here are some of our favorite offers from leading banks:
DoorDash Rewards Mastercard®
DoorDash Rewards Mastercard®
DoorDash Rewards Mastercard®
- 20.24% to 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24% to 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The DoorDash Rewards Mastercard® makes ordering out a breeze thanks to up to 4% cash back on DoorDash purchases, 2% back on groceries, a free year of DashPass (a $96 value), and a selection of Mastercard perks and protections.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- With the DoorDash Rewards Mastercard get a FREE year of DashPass ($96 value).
- 4% cash back on DoorDash and Caviar orders. Enjoy this benefit on every type of DoorDash order, including restaurants, groceries, pet supplies, retail items, and more. No earning caps.
- 3% cash back on dining when purchased directly from a restaurant. No earning caps.
- 2% cash back on purchases from grocery stores, online or in person. 1% cash back on all other purchases. No earning caps.
- Get a complimentary DashPass membership ($96 value) every year with $10k in annual card spend. DashPass members enjoy $0 delivery fees & reduced service fees on every eligible order.
- No annual card fee, just cash back on every purchase.
- As an exclusive Cardmember benefit, get 10% off one Convenience, Grocery, Alcohol, Retail or DashMart order every month. Maximum discount of $15 per order. Offer expires 12/31/2024.
- Member FDIC
- Regular Purchase APR: 20.24% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You love to order in and want to save money
- You can make use of the many services DoorDash offers, including groceries
- You want a $100 cash bonus after spending $500 on purchases in the first three months
Best for: Delivery
The DoorDash Rewards Mastercard® is an attractive option for those looking for a card specifically for dining out. Despite its co-branding with DoorDash, the popular food delivery app, the card offers lucrative rewards for dining out.
Cardholders earn 3% cash back on dining when purchased directly from a restaurant, online or in-store. Groceries earn 2% back, and all other purchases with the DoorDash Mastercard earn 1% back. The card also provides 4% back on DoorDash and Caviar orders, making it a great choice for those who frequently use these apps.
In addition to its rewards system, the DoorDash Rewards Mastercard® offers benefits specifically designed for foodies everywhere. Cardholders receive a complimentary DashPass subscription, typically valued at $96 annually. This subscription provides unlimited deliveries and reduced service fees on DoorDash orders over $12. Combined with no annual fee for card membership, this perk is particularly advantageous for individuals who frequently order food deliveries.
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
- 20.24% (Variable) Regular Purchase APR
- 20.24% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
At a Glance
If you’re a Costco member and want to start earning some serious cash back rewards, the bonuses available via the Costco Anywhere Visa® Card by Citi – including 4% on gas and EV charging and 2% on your Costco purchases – may be just what you’re looking for.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- Regular Purchase APR: 20.24% (Variable)
- Balance Transfer APR: 20.24% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% variable based on your creditworthiness and the Prime Rate
- Annual Fee: $0 with Costco Membership
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You’re a Costco member and want to earn 2% cash back on purchases at their physical and online stores, as well as 4% cash back on gas and EV charging purchases – including gas sold at Costco
- You enjoy earning cash back on everyday purchases such as dining and travel
- You seek a versatile rewards credit card with numerous travel protection perks, no foreign transaction fees, and no annual fees as a Costco member
Best for: Costco
But what if you want to stock up on your pantries while grabbing a quick bite to eat? In that case, Citi has another cash back credit card for you – the Costco Anywhere Visa® Card by Citi. Costco is a bulk buyer’s best friend, with incredible value on groceries, home goods, clothing, electronics, and more. Cardholders earn unlimited 3% cash back on dining at restaurants and eligible travel expenses, including those made through Costco travel. This high cash back rate specifically for dining out makes it an attractive choice for food enthusiasts.
Beyond that, the Costco Visa earns an impressive 4% cash back on eligible gas and EV charging purchases (for the first $7,000 per year and then 1% thereafter), 2% back on all other purchases from Costco and Costco.com, and 1% back on everything else.
The 3% back on dining, 2% back on Costco, and the lucrative gas rewards with the Costco Anywhere Visa® make it a versatile cash back dining card no matter the size of your appetite. Add to that no foreign transaction fees on purchases made abroad, and digital wallet access for contactless payments, offering convenience for dining transactions. Finally, the card doubles as a Costco membership card, streamlining the payment process for Costco members.
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
- 18.99% – 28.99% (Variable) Regular Purchase APR
- 18.99% – 28.99% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
- 0% for 15 months on Purchases Intro Purchase APR
At a Glance
The Citi Custom Cash? Card is a generous cash back credit card that offers up to 5% back on eligible purchases. The card, from Citi, does not charge an annual fee and rewards 5% back on the top spending category each month, with options including transit, travel, gas, groceries, dining, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- Intro Purchase APR: 0% for 15 months on Purchases
- Regular Purchase APR: 18.99% – 28.99% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
- Balance Transfer APR: 18.99% – 28.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 5% back but do’t want quarterly categories
- You plan on spending $1,500 within the first 90 days
- You have a large purchase in mind that you want to pay down over time
- You plan on transferring an existing balance within the first four months
- You don’t want to pay an annual fee
Best for: Flexibility
If you are looking for a card that offers flexible rewards to suit your needs, then the Citi Custom Cash℠ Card is a great option. The no annual fee credit card offers 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and 1% cash back afterward. Those 5% back categories are generous, including the following:
| Dining | Fitness clubs | Grocery stores |
| Drugstores | Gas stations | Home improvement stores |
| Travel & transit (select) | Live entertainment | Streaming service (select) |
Even better, you can earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. You can then redeem those rewards as a statement credit, direct deposits into bank accounts, or through the ThankYou Rewards Portal for gift cards, travel, or through Amazon for purchases (Shop with Points at Amazon.com). Citi ThankYou points never expire if the account is open and active.
Other great features with the Custom Cash credit card include 0% Intro APR on balance transfers and purchases for 15 months, no annual fee, and several exclusive Citi customer perks:
| Citi Merchant Offers: | Citi Merchant Offers is like Amex offers or Chase offers in that it provides Citi credit card members with offers for a specific merchant and then receive a rebate in the form of cash or points when using the card for eligible purchases. |
| Citi Entertainment℠: | Citi Entertainment℠: Cardholders gain exclusive access to tickets for thousands of popular events. This includes unique experiences and presale events for concerts, sporting events, and more. |
| Citi® Concierge: | Citi Concierge is a free benefit that gives on-demand personal assistance to eligible cardholders. Citi customer service experts can help with travel planning, shopping, restaurant reservations and more. |
Another great option is the Citi® Double Cash Card, which earns 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
American Express® Gold Card
American Express® Gold Card
American Express® Gold Card
- See Pay Over Time APR Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Foodies, rejoice! The American Express® Gold Card grants you the ability to earn 4X Membership Rewards® points at restaurants worldwide and US supermarkets, and 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com. There are also numerous travel perks of note, including statement credits for hotel and airline purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 75,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership
- Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required
- Choose the color that suits your style. Gold or Rose Gold
- No Foreign Transaction Fees
- Annual Fee is $250
- Terms Apply
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to earn 4X Membership Rewards® points for global restaurant purchases, including takeout and delivery
- You also wish to earn 4X Membership Rewards® points on purchases at U.S. supermarkets (up to $25,000 annually)
- You travel often and can take advantage of 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com
- You would benefit from statement credits on a variety of travel expenses
Best for: Statement Credits
While the American Express® Gold Card carries a hefty annual fee of $250, the value it offers diners is difficult to ignore. The Gold Card earns an impressive 4X Membership Rewards points on global dining – making it a versatile foodie card no matter where your journey takes you. Even better, those 4X points also apply to takeout and delivery services – meaning you can veg out on the couch and enjoy gourmet eats – and still earn 4X points.
Amex charge cards typically come with a dizzying array of statement credits – and the Gold Card is no different. One of the best credits for foodies is the $120 annual statement credit for Uber. Cardholders that register their Gold Card as a payment option through their Uber or UberEATS account receive a $10 credit automatically every month.
You can further maximize Membership Rewards by checking Amexc Offers. The Amex Offers tab in your American Express mobile app can help you earn more points when dining out..
Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
- 19.99% – 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.99% – 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Make memories while funding future adventures with the Capital One® Savor® Cash Rewards Credit Card. This exclusive entertainment credit card boasts an unlimited 4% cash back on streaming, dining, and entertainment is a great card for couples, families, and social butterflies.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 4% cash back on dining, entertainment, and popular streaming services
- Earn 3% at grocery stores
- Earn 1% on all other purchases
- Earn 8% cash back on tickets through Vivid Seats
- Receive $9.99 statement credit after paying for Postmates Unlimited membership
- Enjoy comprehensive, personalized assistance in dining, entertainment and travel— 24 hours a day, 365 days a year
- Regular Purchase APR: 19.99% – 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.99% – 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- You want to earn an unlimited 4% cash back on streaming, dining, and entertainment, 3% at grocery stores, and 1% on all other purchases
- You see yourself spending $3,000 within the first 3 months of opening the card to earn that one-time $300 cash bonus
- You live for unique dining, entertainment, and sports experiences
- You want complimentary food delivery membership through Postmates
Best for: Premium Rewards
The Capital One® Savor® Cash Rewards Card is one of the best dining and entertainment credit cards on the market today. The card, which carries a relatively modest $95 annual fee, earns an impressive 4% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases.
As detailed in our comprehensive Savor review, the Savor easily recoups that $95 yearly charge with just $198 in dining purchases every month – an easy task for the well-seasoned foodie. And since the card also earns 2% back on groceries, it offers plenty of value for those who prefer to dine out or create their own culinary delights at home.
The Savor also comes with a complementary food delivery membership through Postmates. This benefit offers $99 in value, quickly recouping the annual fee – and saving cardholders money while earning 4% back on their order!
Other Dining Credit Cards Worth Considering
Dining rewards credit cards are only getting more popular, and many issuers are updating their products to earn you rewards when you dine out or take out. Having a tough time finding one that speaks to you? Consider the picks below; we chose them not because they’re under-the-radar, but because they’re genuinely good cards – they’re simply names you may not be familiar with already.
Bilt Mastercard
Bilt Mastercard
Bilt Mastercard
- 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Bilt World Elite Mastercard is a unique rewards credit card from Wells Fargo that lets users earn 1X on monthly rent payments, 3X on travel, 2X on dining, and offers impressive perks including Lyft and DoorDash statement credits – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 1X points on rent payments (up to 50,000 points each calendar year)
- Earn 2X points on travel
- Earn 3X points on dining
- Regular Purchase APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
- Cash Advance APR: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You rent and want to earn rewards on your monthly rental payments
- You’re a member of Bilt Rewards
- You don’t want to pay an annual fee
Ideal for: Renters
We often harp on the Bilt Mastercard, but it’s only because it provides such robust value for renters. The card is a first-of-its-kind rewards card in that it allows cardholders to earn 1X points per $1 spent on rent payments (up to 50,000 points each calendar year) without the transaction fee you may normally have to pay when you use a credit card for rent.
That rewards bonus is a great feature that’s even better when you realize that it applies to any landlord – even if they don’t accept credit card payments. If your apartment doesn’t accept credit cards or you rent outside the Bilt Rewards Alliance of landlords, pay through Bilt’s mobile app, and the company will mail a physical check to your landlord.
But the Bilt World Elite Mastercard offers far more value –especially if you are looking for a versatile card for your everyday needs. The Bilt Card earns the following reward points on select bonus categories:
There’s even more value thanks to Bilt Dining, a dedicated dining program that allows Bilt Rewards members to earn points on select dining using the Bilt Wallet in the company’s mobile app. Cardholders can earn up to 5X points per $1 spent with these partners – a great haul you can then apply towards rent – or even a down payment.
Those points on dining are only the start, however. That rewards rate doubles on the 1st of every month, thanks to Bilt’s Rent Day promotion. Cardholders can earn double the points on all eligible purchases (excluding rent). Here’s how that promotion works out:
| Action | Rewards | Total Points |
|---|---|---|
| Eating at an eligible Bilt Dining restaurant | 5X per $1 | 5 |
| Paying with the Bilt Mastercard | 3X per $1 |
|
| “Rent Day” bonus | Additional 2X on all purchases* | 6 |
| 11X per $1 | ||
| *Bilt Dining not eligible for “Rent Day” | ||
Overall, the Bilt Mastercard offers plenty to get excited about for those who pay rent, dine out often, and want to earn plenty of rewards when making their monthly payments.
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Ideal for: Unlimited Cash Back
When it comes to dining out at fast food places or ordering in from your favorite app – be it Grubhub, DoorDash, Uber Eats, Slice, or anything else – there are few better options than the PayPal Cashback Mastercard® from Synchrony – especially at no annual fee. The card earns an unlimited 3% cash back on all PayPal purchases – an amazing feature given the near-universal reach of the PayPal network. Millions of merchants accept PayPal through contactless payments in-store or via mobile wallet purchases online – both excellent ways to maximize your cash back when ordering some grub.
The PayPal Cashback Mastercard also offers an unlimited 2% back on all other purchases with the card. This base rate is on par with cards like the Citi® Double Cash Card, the Wells Fargo Active Cash, and the TD Double Up Card. Rewards are redeemable as credits to your PayPal account, which is another great feature. Thanks to this simple option, you can transfer funds to your bank account, pay friends for drinks or food tabs, or buy whatever you want through PayPal.
In addition to that, you also get the typical Mastercard protections you expect, such as $0 Fraud Liability against fraudulent charges on your card, ID Theft Protection, and Mastercard Global Services emergency assistance. But no matter how you slice it, the PayPal Mastercard is a lucrative cash back option if you like having a huge amount of choices for purchases, rewards, and a whole lot more.
IKEA® Visa® Credit Card
IKEA® Visa® Credit Card
IKEA® Visa® Credit Card
- 21.99 Regular Purchase APR
- 26.99% Balance Transfer APR
- 24.99% Cash Advance APR
At a Glance
Furnishing and redecorating your home becomes five times more rewarding with the IKEA® Visa® credit card. Earn 5% back on all IKEA purchases and an extra 3% bonus on dining, groceries, and utility bills with no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Receive $25 off for making an IKEA purchase the same day the card is opened
- Receive $25 off for spending $500 outside of IKEA
- 5% back in rewards on IKEA purchases (includes the restaurant), Traemand installation and TaskRabbit assembly services
- 3% back in rewards on dining
- 3% back in rewards on groceries
- 3% back in rewards on utilities
- 1% back in rewards on all other purchases
- Regular Purchase APR: 21.99
- Balance Transfer APR: 26.99%
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You spend at least $300 at IKEA every three years
- You want to earn rewards for utilities such as electric, gas, cable, and phone services
- You frequently dine at the IKEA restaurant
- You already an IKEA FAMILY member
- You live near an IKEA showroom
Ideal for: Swedish Meatball Lovers
Wait – a store card in the under-the-radar dining and restaurant cards list? Yes, but hear us out: the IKEA® Visa® is a robust dining and home furnishing card all in one. Let us explain.
There’s a lot to like regarding the IKEA Visa card. For starters, there’s the $25 off your first IKEA purchase of $25 or more when you first get your card and use it to make a purchase the same day (If you apply in-store) or as a statement credit if you apply online. That’s an easy bonus if ever there was one.
But there’s also the generous rewards structure of the retail card from Comenity Bank. The IKEA Visa’s bonus categories are as follows:
- 5% back on IKEA purchases
- 3% back on dining, grocery, and utility purchases
- 1% back on all other purchases
What makes this such a great structure is that Traemand and TaskRabbit purchases also qualify for 5% back – as do purchases at the IKEA restaurant. If you have the Ikea Visa in your wallet, you can enjoy huge rewards by filling your card with the latest BJORTKSTA or stuffing your face with those delicious Swedish meatballs. If you want to fund a home renovation project and satisfy your hunger, check out the IKEA Visa.
Discover it® Chrome for Students
Discover it® Chrome for Students
Discover it® Chrome for Students
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from date of account opening date Intro Purchase APR
At a Glance
The Discover it Chrome for Students is a student credit card and cash back rewards card that allows college students to earn 2% cash back on gas and restaurants, plus 1% cash back on everything else. In addition to not having to worry about an annual fee, students who maintain a GPA of 3.0 or higher will receive a $20 statement credit each school year.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
- Earn 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other purchases
- Discover matches all the cash back you’ve earned at the end of your first year, automatically
- Cash back rewards do not expired and can be redeemed at any time
- 0% intro APR on purchases for 6 months
- No annual fee, no late fee on first late payment. No APR change for paying late
- Intro Purchase APR: 0% for 6 months from date of account opening date
- Regular Purchase APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer
- Balance Transfer APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You’re planning on commuting to college
- You plan to eat out rather than in the cafeteria
- You want a card that rewards a good school year, as your GPA can get you extra savings
- You want to take advantage of Cashback Match – only from Discover
- You don’t want to pay an annual fee
Ideal for: Students
College is nearly back in session, so it only makes sense to include a quality dining credit card option for students. The Discover it® Chrome for Students offers the ideal platform for building credit and getting your hands dirty with credit cards in college.
Students automatically earn 2% cash back at gas stations and dining purchases on up to $1,000 in combined purchases each quarter. After that, you’ll earn 1% back – and you also earn 1% all the time on every other purchase that doesn’t fall under gas or dining. Even better, the card also enjoys Discover’s famed “Cashback Match” after the first year. That feature allows you to earn an unlimited dollar-for-dollar match of all the cash back you’ve earned automatically at the end of your first year as a cardholder. It’s a great feature that continually makes Discover one of the best places to build credit.
But Discover offers other benefits, especially for students. Discover’s Good Grade Reward provides a $20 statement credit if you keep your GPA above 3.0. And, since this bonus is good for up to five academic years, the total reward is up to $100 – just for doing your homework. Students also receive free access to their FICO credit score each month and pay no pesky fees, including annual or foreign transaction fees, when using the card abroad.
U.S. Bank Triple Cash Rewards Visa® Business Card
U.S. Bank Triple Cash Rewards Visa® Business Card
U.S. Bank Triple Cash Rewards Visa® Business Card
- 19.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% to 28.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months Intro Purchase APR
At a Glance
The U.S. Bank Triple Cash Rewards Visa® Business Card offers a decent cash back sign-up bonus, up to 3% back on eligible purchases, and two 0% intro APR periods, all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner’s card in the first 150 days of opening your account
- Introducing the U.S. Bank Business Triple Cash Rewards, the card that gives back on all your eligible business needs
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants
- 1% cash back on all other eligible net purchases
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- No limit on total cash back earned
- Rewards never expire
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 15.49% to 24.49%
- No annual fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan
- Great Offer from U.S. Bank, a 2022 World’s Most Ethical Company® – Ethisphere Institute, February 2022
- Terms and conditions apply
- Intro Purchase APR: 0% for 15 months
- Regular Purchase APR: 19.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months for balances transferred within 30 days from account opening.
- Balance Transfer APR: 19.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Penalty APR: 29.99%
- Foreign Transaction Fee: 3% of each foreign transaction in U.S. dollars
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
- Over Limit Penalty Fee: $40
- You own a small business and want to invest in its infrastructure or software
- You have an existing credit card balance you want to pay down at a lower rate
- You spend frequently on categories like gas stations, dining, or office supplies
- You do’t want to pay an annual fee
Ideal for: Small Businesses
When discussing business credit cards, the common options are Chase, Capital One, or Amex. But there are plenty of excellent offers from other banks – including U.S. Bank.
Specifically, the U.S. Bank Triple Cash Rewards Visa® Business Card is a lucrative dining card for companies that plan to issue multiple employee cards. It earns 3% cash back on eligible purchases at gas stations, EV charging stations, office supply stores, cell phone service providers, and restaurants – in other words, versatility for whatever life throws at your employees. And if they travel frequently, there’s an additional 5% back earned on prepaid hotels and car rentals booked directly in the U.S. Bank Travel Rewards Center, plus 1% back everywhere else (with no caps or annual fees to worry about).
U.S. Bank offers companies a simplified award structure for Triple Cash Rewards cardholders. Businesses can opt to redeem their earnings as either a statement credit or a direct deposit into an associated U.S. Bank business checking, savings, or money market account. This is a great feature for account managers who want lucrative and elastic rewards without the headache of confusing hotel or airline rewards programs.
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