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Bilt Mastercard
Finally. A Card that Earns Points on Rent & More
- Regular Purchase APR See Terms
- Balance Transfer APR See Terms
- Cash Advance APR See Terms
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- 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: See Terms
- Balance Transfer APR: See Terms
- 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: See Terms
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.4% cash back
Costco Anywhere Visa® Card by Citi
Earn up to 4% Cash Back
- Regular Purchase APR 19.49% (Variable)
- Balance Transfer APR 19.49% (Variable)
- Cash Advance APR 29.49% (Variable)
- Annual Fee $0 with Costco Membership
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Processing Network Visa
- 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: 19.49% (Variable)
- Balance Transfer APR: 19.49% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.49% (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
+ 3.2% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 1.2% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
Amtrak Guest Rewards® Preferred Mastercard®
30,000 Bonus Points
- Regular Purchase APR 25.99% variable based on the Prime Rate
- Balance Transfer APR 25.99% variable based on the Prime Rate
- Cash Advance APR 28.24% variable based on the Prime Rate
- Annual Fee $99
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Earn 3 points per $1 spent* on Amtrak travel, including onboard purchases
- Earn 2 points per $1 spent* on dining, travel, transit and rideshare
- 1 point per $1 spent* everywhere else
- Amtrak benefits, including station lounge passes, one-class upgrade certificates, and more
- Regular Purchase APR: 25.99% variable based on the Prime Rate
- Balance Transfer APR: 25.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $35
+ 2.4% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 3.2% cash back
+ 0.8% cash back
Marriott Bonvoy Bevy™ American Express
85,000 Bonus Points
- Regular Purchase APR 19.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 29.49% variable based on the Prime Rate
- Annual Fee $250
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network American Express
- Eearn 85,000 Marriott Bonvoy® points after you make $4,000 in purchases on your new Card within the first 3 months
- Earn 6 Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy
- Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2x points)
- Earn 2X points on all other eligible purchases
- 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott properties participating in Marriott Bonvoy.
- Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card.
- $250 Annual Fee
- Terms apply
- Regular Purchase APR: 19.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.49% 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
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
Citi® AAdvantage® Platinum Select® World Elite™ Mastercard®
50,000 American Airlines AAdvantage® Bonus Miles
- Regular Purchase APR 20.24% - 29.24% (Variable)
- Balance Transfer APR 20.24% - 29.24% (Variable)
- Cash Advance APR 29.49% (Variable)
- Annual Fee $0 for the first year. After that, $99
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
- Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
- Earn 1 Loyalty Point for every 1 eligible mile earned from purchases
- Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card
- No Foreign Transaction Fees
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
- Enjoy preferred boarding on American Airlines flights
- Regular Purchase APR: 20.24% - 29.24% (Variable)
- Balance Transfer APR: 20.24% - 29.24% (Variable)
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% (Variable)
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee: $0 for the first year. After that, $99
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 3.2% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
U.S. Bank Altitude® Connect Visa Signature®
Earn 50,000 Bonus Points ($500 Value)
- Regular Purchase APR 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 30.24% variable based on the Prime Rate
- Annual Fee $0 for the first year; $95 after that
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- No foreign transaction fees
- Earn 4X points on travel and gas station purchases
- Earn 2X points on grocery stores, grocery delivery, dining and streaming services
- TSA Precheck or Global Entry statement credit every four years
- Regular Purchase APR: 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24% 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: 30.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Annual Fee: $0 for the first year; $95 after that
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
+ 0.8% cash back
+ 3.2% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.4% cash back
+ 1.2% cash back
+ 0.8% cash back
Wyndham Rewards Earner® Plus Card
45,000 Bonus Points Intro Offer
- Regular Purchase APR 19.99%, 24.24% or 29.24% variable based creditworthiness and the Prime Rate
- Balance Transfer APR 19.99%, 24.24% or 29.24% variable based creditworthiness and the Prime Rate
- Cash Advance APR 29.24% variable based on the Prime Rate
- Annual Fee $75
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Intro Purchase APR 0% for 12 months from account opening date or 0% for 6 months (from purchase date) on Wyndham Timeshare purchases
- Processing Network Visa
- Earn 30,000 bonus points, enough for up to 4 free nights after spending $1,000 on purchases in the first 90 days
- Earn 5X points on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases
- Earn 2X points on eligible dining and grocery store purchases (excluding Target® and Walmart®)
- Earn 1X points on all other purchases (excluding Wyndham Vacation Club down payments)
- Automatically receive a Wyndham Rewards GOLD member level and enjoy perks like free WiFi, preferred room selection, late checkout, and more
- Redeem 10% fewer Wyndham Rewards points for go free® awards, and earn your free nights faster
- Wyndham Rewards Earner Cardmembers can save even more on our Best Available Rate for stays at participating Hotels by Wyndham
- There is no limit to the number of points you can earn
- Redeem points you've earned for online shopping, discounts on gas, local tours and activities, gift cards, and so much more
- Earn 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases—that's enough for up to one free night every year
- Intro Purchase APR: 0% for 12 months from account opening date or 0% for 6 months (from purchase date) on Wyndham Timeshare purchases
- Regular Purchase APR: 19.99%, 24.24% or 29.24% variable based creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days of account opening
- Balance Transfer APR: 19.99%, 24.24% or 29.24% variable based 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: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $75
- Foreign Transaction Fee: 0% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $40 (the amount of the fee varies by state)
- Return Payment Penalty Fee: Up to $40 (the amount of the fee varies by state)
+ 0.4% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
MINI World Mastercard
Earn 5,000 Bonus MINI Reward Points
- Regular Purchase APR 19.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 19.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 30.24% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Mastercard
- Earn up to 4X points per $1 on eligible purchases
- 0% introductory APR on purchases and balance transfers for 12 months
- No annual fee
- Get 25% more value on your rewards when you redeem points for a MINI Rewards Card
- Redeem points for travel, merchandise, cash back, or a loan/lease payment
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 19.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 30 days from account opening date
- Balance Transfer APR: 19.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 30.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
+ 0.8% cash back
+ 2.4% cash back
+ 3.2% cash back
+ 0.4% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
Citi Premier® Card
Earn 80,000 Bonus ThankYou® Points
- Regular Purchase APR 20.24% - 28.24% (Variable)
- Balance Transfer APR 20.24% - 28.24% (Variable)
- Cash Advance APR 29.49% (Variable)
- Annual Fee $95
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Processing Network Mastercard
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
- Regular Purchase APR: 20.24% - 28.24% (Variable)
- Balance Transfer APR: 20.24% - 28.24% (Variable)
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% (Variable)
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness and Prime Rate
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 3.2% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
LATAM Airlines World Elite Mastercard
Take Flight with LATAM
- Regular Purchase APR 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Annual Fee $99
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- No foreign transaction fees
- Earn 40,000 miles after spending $2,500 in purchases in the first three months
- Earn 4X miles on LATAM purchases
- Earn 3X miles on dining, plus select transit
- Earn 1X miles on all other purchases
- Two complimentary LATAM lounge passes each year
- Earn three complimentary upgrades after you pay your $99 annual fee every year
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $99
+ 0.8% cash back
+ 3.2% cash back
+ 2.4% cash back
+ 0.4% cash back
+ 1.2% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
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What is a Dining Credit Card?
Dining rewards are quickly becoming the most sought-after bonus category in credit cards. A dining credit card is just that – a credit card that offers savings, rewards, and discounts when dining out at a restaurant. Dining, or restaurant credit cards may also apply towards takeout and delivery purchases making them extremely versatile credit cards for those who enjoy dining out, entertaining, or even just vegging on the couch with a movie.
Why Choose a Dining Credit Card?
The most obvious reason to choose a dining card over another type of rewards credit card is because you love to dine out. Everyone has to eat – so why not get rewarded when purchasing your next meal? Dining credit cards provide accelerated rewards to cardholders in select food-related categories – usually restaurants, takeout, and select delivery services (UberEATS, Grubhub, etc.).
Dining and restaurant credit cards are very similar to general rewards cards in that they offer accelerated rewards on key categories (in this case, food), and a flat rate (typically 1% back or 1X points) on all other purchases.
How to Select the Best Restaurant & Dining Credit Card
With so many offers available, how can you find the right dining card for you? Here are a few easy ways to evaluate which credit card suits you best.
How Do You Spend Your Money?
When choosing a new rewards credit card, the most important thing to consider is where you plan to use it. Rewards cards come in several types and amounts. Dining, restaurant, and takeaway credit cards only make sense if your spending habits align with the card rewards structure–especially if the card charges an annual fee.
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.
The Savor may make sense for its $95 annual fee if you plan on maximizing those dining and entertainment purchases. If not, however, a no annual fee card, like the SavorOne or the Citi® Double Cash Card might provide greater value.
Read the Fine Print
Pay close attention to the language in your credit card’s rewards program. Some dining credit cards do not earn bonus rewards for dining purchases made outside the United States, for instance. Others may offer accelerated points or cash back for restaurant purchases, not through delivery services like UberEATS, GrubHub, or others.
Rewards Flexibility
Rewards flexibility is another critical consideration when it comes to dining credit cards. Some cards have strict terms of redemption. General rewards cards, such as the Citi Custom Cash℠ Card, offer more versatility, which can be spent with significantly reduced restrictions or transferred to loyalty or frequent flyer programs.
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Dining Programs: How to Earn Airline Miles with Any Credit Card
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