Cooking at home can be a hassle. Luckily, there are great credit card offers for folks who visit restaurants frequently. Here are a couple of our favorites for those who love to dine out:
Best overall: Chase Sapphire Preferred® Card
Many people who dine out frequently are also big travelers. If this sounds like you, the Chase Sapphire Preferred® Card is the card for you. With it, you’ll earn 2 points for every dollar you spend on travel and dining out and 1 point for every dollar you spend on other purchases.
Generally, points earned with the Chase Sapphire Preferred® Card are worth $.01 each. But if you redeem them for travel through Chase Ultimate Rewards, the value jumps up by 25% apiece. This means that if you choose this option to cash in your points, you’ll be earning 2.5% on every dining out dollar.
And don’t forget: You can also transfer the points you’ve earned with your Chase Sapphire Preferred® Card to participating frequent traveler programs at a 1:1 ratio. If you’re an aspiring travel hacker, this option could help you practice your new hobby, while still allowing you to fall back on Chase’s travel tool if you get stuck.
Also, if traveling overseas is commonplace for you, this card has your back. It charges no foreign transaction fee and comes chip-enabled.
If you’re looking for a big signup bonus, the Chase Sapphire Preferred® Card definitely delivers. You’ll Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®. Also, it carries an $0 for the first year, then $95. All in all, the Chase Sapphire Preferred® Card is a great choice for all your dining and travel swipes.
Best if you prefer going out to staying home: Citi ThankYou® Preferred Card
If you’d rather catch a concert and grab drinks at the hot new spot in town than sit at home in your PJs and order takeout, the Citi ThankYou® Preferred Card is right for you. With it, you’ll earn 2 ThankYou points on every dollar you spend on entertainment and dining out and 1 ThankYou point for every dollar spent elsewhere.
When it comes time to redeem all those ThankYou points you’ll have a lot of choices, but the Nerds recommend using them for gift cards or cash equivalents. This way, you’ll get the most value out of each one.
And don’t forget: Since this card is issued by Citi, you’ll also have access to all the great benefits the bank provides its cardholders. One of our favorites is Citi Price Rewind, which helps ensure you’ll get the best deal on all your purchases.
The Citi ThankYou® Preferred Card is easy to use: Earn 15,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening*. All these great perks come at an annual fee of $0, so this is a low-cost way to cash in on all your fun.
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