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Wells Fargo Autograph Journey Visa® Credit Card
Wells Fargo Autograph Journey Visa® Credit Card
- 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Wells Fargo Autograph Journey Card provide a lucrative earning platform for travelers who want the freedom to book travel on their terms and not based on a bank's travel portal. The card earns up to 5X points on travel purchases, offers points transfers to leading carriers and hotels, and comes with a slate of tarvel credits and benefits for a modest $95 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $50 annual airline statement credit
- No foreign transaction fees
- Earn 5X points on hotels, 4X on airlines, and 3X on travel and dining purchases
- Earn 1X points on all other purchases
- Transfer points to leading loyalty programs
- Regular Purchase APR: 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.24%, 26.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- You already bank with Wells Fargo
- You want a lucrative travel credit card without needing to book in restrictive travel portals
- You don’t want to pay any foreign transaction fees
- You can make use of the $50 annual credit
World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
- 20.74% to 27.74% Variable Regular Purchase APR
- 20.74% to 27.74% Variable Balance Transfer APR
- 29.49% Variable Cash Advance APR
At a Glance
The World of Hyatt Business Card is a business hotel rewards credit card from Chase. The card earns up to 9X Hyatt points per dollar spent, offers World of Hyatt Discoverist status for up to 5 employees, and features a lucrative 60,000-point introductory offer – all for a $199 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 60,000 Bonus Points after you spend $5,000 on purchases in the first 3 months your account is open. Plus, 15,000 more Bonus Points after you spend $12,000 in the first 6 months.
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
- Regular Purchase APR: 20.74% to 27.74% Variable
- Balance Transfer APR: 20.74% to 27.74% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% Variable
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% Variable
- Annual Fee: $199
- You have a small business and have employees that travel frequently
- You plan on issuing a handful of employee credit cards
- You expect to spend at least $5,000 on the card within 90 days of opening an account to take advantage of the card’s generous signup offer
BMW Card
BMW Card
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The BMW Card earns cardholders four points for every dollar they spend on qualifying BMW purchases. Additionally, cardholders earn three points for every dollar spent on gas and two points for every dollar spent on dining purchases. All other purchases earn cardholders one point for every dollar they spend. What’s more, this card offers an introductory 0% APR promotion on balance transfers and purchases for 12 months. All these features are available for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 4X points on BMW purchases
- Earn 3X points on gas purchases, 2X points on dining, and 1X points on everything else
- Enjoy 0% APR on balance transfers and purchases for 12 months
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months for balances transferred within 30 days from account opening date
- Balance Transfer APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You own or plan to own a BMW
- You don’t want to pay an annual fee to use a credit card
- You want to earn additional points on gas and dining purchases
- You would like to take advantage of 0% APR on purchases for 12 months
- You need to transfer a balance and plan to pay it off in 12 months
BMW Precision World Elite Mastercard
BMW Precision World Elite Mastercard
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The BMW Precision World Elite Mastercard is a premium auto rewards credit card from U.S. Bank and BMW. The card, which charges a $99 annual fee, offers 5X points on BMW purchases, 3X points on gas, 2X points on dining, and a flat rate of 1.5X points on all other purchases. The card also boasts a $70 annual dealer credit and no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 5X points per $1 on purchases
- Get an annual $70 dealership credit
- Get up to $1,000 in annual coverage for damage or theft of your cell phone
- Free ShopRunner membership
- No foreign transaction fees
- Regular Purchase APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You prefer to have their vehicle’s maintenance done at a BMW dealership
- You travel frequently and make purchases abroad or in foreign currencies
- You want an everyday card that offers versatility – for a price
Instacart Mastercard®
Instacart Mastercard®
- 19.49% to 28.24% Variable Regular Purchase APR
- 19.49% to 28.24% Variable Balance Transfer APR
- 29.49% Variable Cash Advance APR
At a Glance
The Instacart Mastercard® is a cash back card that offers big savings on food and grocery deliveries. The no annual fee credit card from Chase earns 5% back on Instacart purchases, offers one-year free ofInstacart+ membership, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
- Earn 5% cash back on Instacart app and Instacart.com purchases
- Earn 5% cash back on Chase Travel℠ purchases, including flights, hotels, and more
- Earn 2% cash back at restaurants, gas stations and on select streaming services
- Earn 1% cash back on all other purchases
- No annual card fee
- Regular Purchase APR: 19.49% to 28.24% Variable
- Balance Transfer APR: 19.49% to 28.24% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% Variable
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% Variable
- You get your groceries or food delivered through Instacart
- You have wanted to try out Instacart+
- You want a $100 Instacart credit to start chowing down today
- You do't want to pay an annual fee
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What is a Dining Credit Card?
A dining credit card is a type of rewards credit card tailored to reward cardholders for their dining-related expenses. These cards offer incentives, such as cash back, points, or miles, specifically for purchases made at restaurants, cafes, bars, and sometimes even on food delivery services.
These cards’ primary focus is to provide rewards and perks for dining-related spending, making them particularly appealing to individuals who frequently dine out or order food for delivery. In addition to dining rewards, some of these credit cards may also offer benefits such as travel rewards, entertainment perks, and dining-specific privileges, enhancing the overall value for cardholders.
Why Choose a Dining Card Vs. Another Rewards Credit Card?
Are you a food enthusiast who loves to explore new culinary experiences? If so, choosing a dining credit card can elevate your gastronomic adventure. But a dining credit card is more than just a payment tool; it is your passport to a world of exclusive dining privileges and rewards.
The right dining credit card can help you enjoy various benefits like cash back on dining expenses, discounts at partner restaurants, and even hard-to-get reservations at exclusive restaurants
But how do you find the perfect dining credit card amidst the sea of options available?
Benefits of Dining Credit Cards
A dining credit card offers various benefits that can appeal to individuals who frequently dine out or order food for delivery. Some of the key benefits of this card type include:
Rewards for Dining and Food Purchases
Dining credit cards typically offer rewards in the form of cash back, points, or miles for dining expenses, including purchases at restaurants, cafes, bars, and sometimes even food delivery services like Uber Eats or Grubhub.
Additional Reward Categories
Many dining credit cards also provide rewards for other categories in which cardholders can earn enhanced rewards. These categories, such as groceries, entertainment, or travel, can be lucrative and provide a more comprehensive way to earn rewards beyond just dining expenses.
Dining-Specific Perks
Some dining credit cards offer dining-specific perks such as discounts at participating restaurants, complimentary food and beverage rewards, or exclusive access to dining events, enhancing the overall dining experience. These perks might require additional steps, such as enrolling in a third-party program or activating a bonus offer. This process might seem awkward, but it can save you money.
Sign-Up Bonuses
Several dining credit cards offer sign-up bonuses, which provide new cardholders with a boost of extra rewards, often in the form of cash back, points, or miles after they meet specific spending requirements within the initial months of card ownership. Some dining cards may also provide 0% introductory APR offers on balance transfers or purchases, increasing the value available.
Travel and Purchase Protections
Certain dining credit cards extend travel insurance, purchase protection, and other valuable benefits, providing a more secure and convenient dining and travel experience. These benefits might include fee credits for TSA Precheck or other security fast pass services, airport lounge access through Priority Pass Select or LoungeBuddy, and more.
Annual Statement Credits
Certain dining credit cards provide annual statement credits for dining-related purchases, effectively offsetting a portion of the annual fee or providing additional value for cardholders. These credits typically apply towards the subscription cost of delivery membership apps but may also apply for other entertainment benefits, like streaming credits.
Tips for Maximizing Dining Rewards
Maximizing rewards with a dining credit card involves strategic usage and taking advantage of the card’s benefits. Here are some tips to make the most of a dining credit card:
- Choose the right card: Research and select a dining credit card that offers the best rewards and perks for your specific dining and spending habits. Look for cards with high rewards rates for dining purchases and additional benefits that align with your preferences.
- Use the card for dining purchases: Whenever dining out or ordering food for delivery, use the dining credit card to pay for these expenses. This ensures that you earn rewards for every eligible dining transaction.
- Take advantage of welcome bonuses: If your dining credit card offers a sign-up bonus, aim to meet the spending requirement within the specified timeframe to earn the bonus rewards. This can provide a significant boost to your rewards balance early on.
- Utilize bonus categories: Some dining credit cards offer additional rewards for specific dining establishments or types of cuisine. Look for bonus categories or promotional offers and use the card accordingly to maximize rewards.
- Combine rewards: If your dining credit card offers rewards for other categories, such as groceries or travel, consider consolidating your spending on this card to earn rewards across multiple expense types. This can be especially impactful when your card earns proprietary rewards, like Chase Ultimate Rewards Points, American Express Membership Rewards, or even airline miles with your favorite frequent flyer programs.
- Look for promotions: Stay informed about any dining-related promotions, discounts, or special offers provided by the credit card issuer. Taking advantage of these promotions can enhance your overall rewards and dining experience.
- Pay attention to reward options: Understand how to redeem your dining rewards, whether for travel, cash back, statement credits, or gift cards. Opt for redemption options that offer the best value for your rewards.
- Pay in full and on time: Always pay your credit card bill in full and on time to avoid accruing interest or late fees. Carrying a balance can negate the value of rewards earned.
By following these tips, you can effectively maximize the rewards and benefits offered by your dining credit card, making it a valuable tool for earning rewards while enjoying dining experiences.
FAQs
What are dining rewards credit cards?
Dining rewards credit cards are credit cards that offer rewards, such as cash back, points, or miles, specifically for dining-related purchases at restaurants, cafes, and sometimes even on food delivery services.
What kind of rewards can I expect from dining rewards credit cards?
Rewards can vary but commonly include cash back, points, or miles for dining purchases. Some cards may offer additional benefits like dining discounts, complimentary food and beverage rewards, or exclusive access to dining events.
Are there any annual fees associated with dining rewards credit cards?
Some dining rewards credit cards may have annual fees, while others do not. It’s important to compare the benefits and rewards against any potential fees to determine if the card is worth it for you.
Do dining rewards credit cards offer rewards for other types of purchases?
While the primary focus of these cards is on dining rewards, many also offer rewards for other categories such as groceries, entertainment, or travel. It’s important to review the specific terms and conditions of each card to understand all the benefits.
Can dining rewards be redeemed for anything other than dining-related rewards?
Depending on the card, dining rewards can sometimes be redeemed for a variety of options including travel, merchandise, gift cards, or even statement credits. Always check the redemption options before applying for a card.
Are there any restrictions on where I can earn dining rewards with these credit cards
Some cards may have restrictions on what types of dining establishments qualify for rewards. Commonly, purchases at restaurants, cafes, bars, and some food delivery services are eligible, but it’s important to review the terms to understand any limitations.
How can I maximize the benefits of a dining rewards credit card?
To maximize the benefits, use the card for all dining-related purchases and take advantage of any additional perks such as bonus rewards for specific restaurants, promotional offers, or dining-related discounts provided by the card issuer.
What should I consider before applying for a dining rewards credit card?
Before applying, consider the annual fee (if any), the rewards rate for dining purchases, additional benefits such as travel or purchase protections, and any restrictions or limitations on earning and redeeming rewards.
Conclusion
Choosing the perfect dining credit card can greatly enhance your gastronomic adventures, providing you with exclusive privileges, rewards, and discounts. By understanding the rewards structure, considering factors such as annual fees and acceptance, and comparing different dining credit cards, you can make an informed decision that aligns with your dining preferences and lifestyle.
Remember to maximize the benefits of your card by planning your dining experiences, using your card for all dining expenses, and staying updated on promotions. With the right dining credit card in your wallet, you can dine in style and elevate your gastronomic adventure to new heights!
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