[UPDATE: DISCLOSURE: Cards from our partners are mentioned below.]
After a long day of work, sometimes the last thing you want to do is come home and fix dinner. That’s when you head to your favorite restaurant and let them do the work for you. Unfortunately, it can get expensive to eat out frequently. That’s why it’s a good idea to pay the bill with a credit card that helps you earn extra at restaurants. The rewards you can earn will help offset the cost of dinner and allow you to feel a little less guilty at the end of the night.
Before your next night out, make sure you have the right credit card in your wallet. Here are the best credit cards for restaurants in 2017.
When you use this card on restaurants and travel, you will receive two Ultimate Reward points per dollar spent. Any other purchase you make will receive one point. You will also receive 50,000 points after spending $4,000 within the first three months of being a cardholder. If you add an authorized user to your account, you will receive an additional 5,000 points as long as you make your first purchase in the same three-month period.
Chase Ultimate Rewards are a favorite for credit card users because of the redemption options. You can use your points to book travel directly and receive 1.25 cents per point. Alternatively, you can transfer your points to one of several different loyalty programs at a 1:1 ratio. This card has no foreign transaction fees but does have an annual fee of $95, waived the first year. The variable APR is between 16.99% and 23.99%.
Each time you use the Premier Rewards Gold Card at US restaurants, US gas stations and at US supermarkets, you will receive two Membership Rewards points per dollar spent. You will also receive three points when you purchase airfare directly from airlines. All other purchases will receive one point per dollar spent. You will receive 25,000 points after you sign up and spend $2,000 within the first three months.
The biggest downside to this card is its annual fee: Introductory annual fee of $0 for the first year, then $195. To help offset the fee, you will receive a $100 airline fee credit each calendar year. This can be used for things such as baggage fees at one airline. This does not apply towards the purchase of airlines tickets, only incidentals. You will have the chance to redeem the points you earn for travel directly through American Express, or you can transfer points to different loyalty partners. If those options aren’t of interest, you can opt to use points toward gift cards, entertainment or merchandise.
The Capital One Venture Rewards card is not only an easy-to-get credit card for those with good credit, but it’s also one of the best credit cards for restaurants in 2017. With this card, you will receive an unlimited two points for every dollar you spend. Plus, when you sign up, you will receive 40,000 bonus miles after spending $3,000 within the first three months of account opening.
Redeeming your points is one of the best perks of this card. You will be able to use your miles as a statement credit toward any travel expense. That means you can fly any airline with an available seat or stay in hotels with available rooms. This card also comes with no foreign transaction fee and a $0 intro for first year; $59 after that. The card carries an APR of 13.99% - 23.99% (Variable), depending on your credit.
The Chase Freedom card is a great card to have in your wallet if you don’t mind working for it. Each quarter, the card touts a different group of categories that earn 5% cash back, on up to $1,500 in combined purchases. One quarter it might be restaurants and gas stations, while the next quarter it could be department stores and Amazon.com. Each quarter you will need to opt in so that you can receive the bonus cash back. Any purchase not included in the bonus categories will earn 1% back.
When you sign up for the Chase Freedom card, you will receive a bonus of $150 after spending $500 within the first three months. You will earn another $25 when you add an authorized user and they make a purchase in the first three months. This card offers an introductory 0% APR on purchases and balance transfers for 15 months. After that, the variable APR is 15.99% to 24.74%. This card has no annual fee.
The Citi Double Cash card is a favorite for anyone who likes cash back cards. With this one, you will have the opportunity to earn 2% cash back on every purchase, including restaurants. You will receive 1% when you make a purchase, and another 1% when you pay it off. There is no signup bonus, but it does have an attractive balance transfer offer: Intro: 0%* for 18 months on Balance Transfers*. After that, the variable APR will be 14.49% - 24.49%* (Variable). This card has $0* annual fee.
At publishing time, the Chase Sapphire Preferred, Capital One Venture Rewards, Chase Freedom, Chase Sapphire Preferred and Citi Double Cash credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, these relationships do not result in any preferential editorial treatment. This content is not provided by the card issuers. Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuers.
Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.