Best Credit Cards for Dining in 2022

Restaurant-specific credit cards may help you save money on eating costs, whether you're a gourmet who likes regular evenings out on the town or you depend on takeaway to feed your family. Particularly in today's inflationary economy, in which menu costs are increasing alongside necessities like groceries, petrol, and many other things, especially in. As per the Bureau of Labor Statistics, the cost of eating out increased by 7.2% between April 2021 and April 2022. This guide is all about the Best Credit Cards for Dining.

Although a credit card is unlikely to minimize growing prices totally, receiving cash back or points on purchases might help offset these increases. If you're looking for the best credit cards for eating out, you'll find a wide range of options, including rewards for dining out, delivery, and takeaway. If you're looking for a new rewards card, it's a good idea to look for choices that reward your most often purchases and meet your budget. Listed below are the top credit cards currently available for collecting points at restaurants and saving money while doing so:

Capital One SavorOne

With 3% back on eating, entertainment, leading streaming services, and grocery shops, the Capital One SavorOne card is our top pick for the best overall dining rewards card and the finest option without an annual fee. Plus, until January 2023, Vivid seat customers may get 8% cash back on their ticket purchases.

People who want to maximize their rewards on spending at restaurants and entertainment venues but don't want to have to spend enough money to warrant paying a big annual fee may find that this card is an excellent alternative. It's also a good idea to use it with another rewards card so that you may earn additional points for different purchases.

Bank of America

Because it allows you to select restaurants as your primary category for extra points, the Bank of America Customized card is the card we recommend as the best dining rewards card for students. Many students in higher education have significant spending needs in eating out, and this card offers an edge in the form of increased dining rewards. Upon completing the card's first spending criteria, the card delivers a $200 bonus.

Chase Sapphire Preferred

We opted for the Chase Sapphire Preferred card since it gives limitless 3x points at restaurants worldwide and for travel and grocery purchases as a dining incentive. Welcome bonuses may be as high as $750 with this casino.

When redeemed through Chase Ultimate Rewards for airfare, hotels, car rentals, and cruises; or when redeemed for statement credits against purchases made in grocery stores, restaurants, and home improvement stores; each Chase Ultimate Rewards point is worth 1.25 cents when using a Sapphire Preferred card. Sapphire Preferred has an annual cost of $95, which is modest compared to the value of the bonus and the continued opportunity to earn points.

Wells Fargo Active Cash Card

The Wells Fargo Active Cash Card is an excellent option for anybody looking for a credit card that fits their spending patterns. It offers 2% cashback on all purchases made with it. Plus, you don't have to spend much money to qualify for cashback; you may get it on purchases of as little as one dollar. Even the tiniest cashback can rapidly add up. There are no restrictions on categories or permitted cashback partners, so you may enjoy excellent meals at the top restaurants in town with this card and earn enough.

American Express

For those who operate small businesses, we recommend the American Express Business Card as the card that offers the greatest dining benefits. You may thank the 4X points on the two areas where your firm spends the most each month. Additionally, one point is awarded for every dollar spent on other purchases. Four points are awarded for the first one hundred and fifty thousand dollars spent in a calendar year across all purchases in the dining and travel categories combined.

Membership rewards are worth an average of 1.11 cents apiece, which translates to a return on business meals of approximately 4.5 percent. $295 yearly cost, but 70,000 extra points after spending $10,000 in the first three months.

Conclusion

For many Americans, eating out, ordering takeaway, or delivering meals is a substantial cost. To entice individuals and small companies to use their credit cards, banks are increasingly offering additional benefits in this expenditure area. Capital One SavorOne Cash Rewards is our pick for the best dining credit card out of a crowded field. There is no annual charge, and you may earn a generous 3% cash back on restaurants and entertainment, grocery, and popular streaming services. The card provides a 0% APR incentive and a welcome bonus for new applications.