Love eating out? What if you could get paid every time you went out to eat? That’s made possible by restaurant credit card discounts. They’re taking off big time.” People like eating and getting rewarded for it. Let’s examine how these cards enable you to save, earn rewards and enjoy dining out more.
Good Reasons To Use a Credit Card with Restaurant Rewards
Why pick up a credit card that serves restaurant rewards? Simple: you get to save cash and you earn more. Let’s explore the benefits.
Saving Money on Dining
What if you could be rewarded simply for dining at your go-to places? Certain cards will return a percentage on every restaurant purchase. If you’re spending $200 a month on dining out. For example, using a 5% cashback card could save you $10 a month. That’s $120 a year! This is more than some other cards offer, which gives rewards on things you don’t spend as much time with.
Additional Rewards Points earnings
On top of saving money, you also earn extra points. Some cards pay you extra points for each dollar you charge at restaurants. These points can further be redeemed against travel, merchandise, or even more dining! It’s like being paid to eat. Using your rewards points to earn on dining purchases is a smart move.
How to Get Access to Exclusive Restaurant Perks
Certain restaurant credit cards offer really nice perks. Think priority reservations. Or maybe a free appetizer. Some even give access to special chef’s tasting menus. Those extras can enhance your meal experience. You may even get a special invitation to a wine tasting.
Best Credit Cards For Restaurant Discounts
Want to learn which cards offer the best restaurant rewards? Several top-picked options for your wallet to consider are listed below.
[Name of Credit Card 1] – Overview
This card is a winner with a terrific cashback rate on restaurants. There might be a card that offers 4% cashback on dining purchases for instance. It could have an annual fee of approximately $95 However, a nice sign-up bonus can make it worthwhile. And you might receive additional benefits like travel insurance.
[Credit Card Benefits 2]
This card earns bonus points on dining. You might earn 3x points on every dollar spent at restaurants. The annual fee might be $0. That’s great if you despise annual fees. Plus, look for a bonus after you spend a specified amount in the first few months.
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If you want flexible rewards, this one’s a winner. Others give points that can be redeemed for cash or travel. Search for 2x points at restaurants, no annual fee. A good sign-up bonus might make it worth it.
The Best Restaurant Credit Cards and How to Maximize Rewards
Aiming to maximize all the potential benefits of your restaurant credit card? Here’s how to use it wisely.
Understanding Reward Tier Limits and Spend Restrictions
Certain cards have varying reward tiers. Spend a certain amount per month and you may receive a larger reward. Look for spending caps. Some cards limit the amount you can earn in some categories. Understanding the rules can help you pile on the rewards.
Adding Rewards to Restaurant Loyalty Programs
Stack your savings! Combine your credit card and the restaurant’s loyalty program. So you can earn points from both ways. More rewards equal more savings. Always ask whether the restaurant has a loyalty program.
When to Eat to Avoid the Crowds
Look out for special promotions. Some credit cards offer bonus rewards on specific days. Even some restaurants run promotions. Stack these for even more savings. Going out to eat on Tuesdays, for a instance, might be a windfall.
What to Keep in Mind When Selecting Your Restaurant Credit Card
Choosing the best restaurant credit card is important. Think about these factors.
Comparison of annual fees vs. potential rewards
Is there an annual fee for the card? Weigh it against the rewards you anticipate receiving. If you dine out frequently, that fee might be more than made up for by the rewards. But if you rarely eat out, a no-fee card is the superior option.
Interest rates and Note payment habits
Just make sure to pay your balance in full. But interest rates can eat your rewards alive. If you will carry a balance, look for a low-interest card instead. Rewards aren’t worth it if you’re forking over tons in interest.
Your Eating Style and Tendencies
What type of restaurant do you tend to enjoy? Are the rewards the card offers in line with your tastes? If you eat a lot of fast food, look for a card that rewards those purchases. If it’s dining upmarket, seek a card that rewards that spending.
Read Next: Non-Food Benefits of Restaurant Credit Cards
Not only do restaurant credit cards offer discounts. Here’s what else you could be getting.
Travel Benefits for Foodies
Certain cards also come with travel insurance. This can keep you on the safe side on foodie adventures. Having car rental insurance can also be a bonus. Use those benefits when you travel. They can help you save money and stress.
Protection and security when you make an order
Purchase protection is also standard on most cards. They may cover for damage to something you purchase. This includes meals. This can be reassuring to you.
Conclusion
Credit card restaurant discounts can save you tangible money. They also allow you to earn rewards and collect sweet perks. Do your research. Choose one that suits your eating habits. The post 19 Ways to Save Money at Trader Joe’s appeared first on Coupons in the News.
