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| Credit Card Offers » Apply for a Credit Card » Special Interests » Credit Cards that offer Dining Rebates |
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Credit Cards that offer Dining Rebates |
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| Many credit cards offer exceptional dining rebates and rewards programs. Cards with dining rebates are perfect for the couples who enjoy going out for dinner regularly, and make a great additional credit card for a business owner who entertains clients from time to time, as well. Each dining rewards card offers different levels of benefits, so you'll want to do a little research when deciding which one will benefit you the most. |
- Earn 1-3% cash back at restaurants
- Some dining rebate credit cards also offer increased cash back at participating retailers and restaurants
- All card issuers have a dining rebate card; MasterCard, Discover, Visa, and American Express
- Many dining rebate credit cards offer points or rewards that never expire, letting you build them up as long as you want to get the most out of your spending!
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| Cards for Consumer | Cards for Business | |
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| Most Attractive: |
Miles earned can be used with various airline partners; miles do not expire; bonus miles. |
| Special Offer: |
Credit Line Up To $7,500 |
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(Visa)
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- One-time Enrollment Bonus
- Redeem up to two award tickets a year for as little as 21,000 miles each
- No preset spending Limit
- Get up to a 15% savings from National Car Rental and a complimentary Emerald Club membership
- No limit to a number of miles you can earn
- VIP perks with Hideaways
- Benefit Rating:
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n/a Intro APR (* see notes for more APR details)
15.75% Regular Variable APR for Purchases
21.99% Regular Variable APR for Cash Advances |
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Miles per Dollar: 1.00 Mile
$55 Annual Fee
20 days Grace Period |
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The APR is based on the highest Prime Rate during a 90-day period.
Northwest® WorldPerks® Platinum Elite, Gold Elite, Silver Elite members and WorldPerks® Visa® customers who select the full payment option (AutoPay) are exempt from all award limitations on miles earned.
The minimum APR for cash advances is 23.24%.
See website for complete terms and conditions of card usage and application disclosure. |
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| Most Attractive: |
Earn 3% Cash Back for gasoline |
| Special Offer: |
0% Intro APR on Purchases for 3 months |
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(American Express)
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- 0% Intro APR on Purchases for 3 months
- No Annual Fee
- Earn 3% Cash Back for gasoline
- Earn 3% Cash Back for restaurants
- Earn 2% Cash Back for travel
- Earn 1% Cash Back everywhere else, including Costco
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- The flexibility to pay charges over time
- Benefit Rating:
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0% Intro APR on Purchases for 3 Months
15.99% Regular Variable APR for Purchases
20.99% Regular Variable APR for Cash Advances |
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Rebate Amount: Up to 3%
20 days Grace Period |
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(* 1.99% APR on Balance transfers for 6 months) |
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See website for complete terms and conditions of card usage and application disclosure.
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| Most Attractive: |
0% introductory rate for purchase and balance transfers; no annual fee; free rewards program. |
| Special Offer: |
0% for 12 months and is applied to Purchases, Balance Transfers. |
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(Visa)
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- 0% Introductory APR for Up To 12 Months on Purchases and Balance Transfers
- No Annual Fee
- Earn 1 Point for Every Dollar Spent
- Earn Airline Tickets, Hotel Stays, or Car Rentals
- Redeem 3,500 points and receive a $25 check
- Get free stuff from your favorite stores and restaurants
- Enjoy great rewards that you can redeem with as few as 2,500 points
- Benefit Rating:
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0% Intro APR on Purchases, Balance Transfers for 12 months
10.99% Regular Variable APR for Purchases
20.99% Regular Variable APR for Cash Advances |
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Points per Dollar: 1.00 Point
Bonus on First Purchase: n/a
20 days Grace Period |
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(* 0% Intro APR for Up To 12 months on Purchases and Balance Transfers) |
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The APR for purchases and balance transfers varies according to the applicant's credit history and will be 5.99%, 9.99% or 14.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure. |
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Credit cards offer a wide variety of rewards and rebates programs. If you are someone who enjoys eating in restaurants frequently, you will want to consider credit cards with dining rebates, or rewards programs that allow you to benefit from all the bills you pay while dining out! Over time, your rewards program will actually help reduce the amount of money you are spending in restaurants, or provide you with some additional items for the same amount of money for cards that provide you with points that are used to make purchases in special retailers or through the cards reward program merchandize.
Typically, dining rewards credit cards work by offering you either cash back or points for the amount of money you spend using the card. Almost all of the credit cards offering dining rewards are also standard credit card that can be used in any retail store- it's a common misconception some people have regarding dining rebates cards, and believing they can only be used in restaurants. While your card is likely to earn you more when used in a restaurant, it can also be swiped to pay for your other purchases.
You may even be able to receive your rewards points or cash back from purchases that are not made at restaurants. Over all though, a dining rebate credit card is going to offer you the most rewards when you are using it to pay for dinner or another meal at a restaurant. At times, you can double the amount of cash back you get, or the number of points you get, just by eating in a particular restaurant! It pays to fully understand your benefit program so that you know how to best take advantage of the offers you get when you use the card.
If you are looking for a new dining rewards credit card, you should also look for a card that allows you to have an introductory period, or promotional offer, on new purchases and/or balance transfers. For example, many new credit cards allow you to make purchases for six months or a year interest free. These are great cards for people who know they need to make a large purchase soon after getting the card, as they can plan to pay it off during their promotional period and save money on finance charges and interest. If you already have a credit card or two with a balance, your best bet would be to find a credit card that offers an introductory rate on balance transfers. That way, you can move your other balances onto your new credit card and save with a low interest rate on balance transfers or even no interest on balance transferred within a certain period of time! Not only will you benefit from the rewards program for dining; but you can save money on new purchases or balance transfers if you find a card that offers both.
Dining rewards credit cards often let cardholders earn one point per dollar spent; or a certain percentage of cash back on each purchase. Understanding the specifics of your credit cards rewards program is the way to save the most money on the things you pay for using your card. |
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