Different credit cards are best for different purchases. If you love traveling, for example, you’ll likely want to opt for a travel credit card; if you prefer to purchase a lot of apparel, you may want to use an apparel credit card. Dining and restaurant credit cards are one of the credit card categories that you may get the most use out of; after all, everyone has to eat. If you’re looking to find the best dining credit card, here are a few ways to get the most out of it.
1. Choose a Credit Card With Company Benefits You’ll Use
Many credit cards partner with different companies to offer extra bonuses or special cashback offers on certain purchases. For example, with a specific credit card, you might be able to get a free DashPass from DoorDash, which can give you free delivery for many restaurants on DoorDash. If you never use DoorDash, this benefit might not be worth much to you, which is why it’s important to choose a card with helpful benefits.
2. See What Categories Are Best for Your Credit Card
Different credit cards will give you more rewards on different categories. Most dining and restaurant credit cards will give you extra benefits for delivery and takeout purchases, but many of them will also give you more benefits when you buy at supermarkets and grocery stores. Check your introductory information to see which categories will give you the best benefits for your credit card.
3. Remember to Bring Your Card While Dining Out
If you have a credit card that you’re planning to use on food purchases, it’s a good idea to keep it in your wallet at all times. That way, you can use it whenever you dine out more easily. If you have multiple credit cards, you may even want to write down a list of the best categories to use with each credit card, so you’re always getting the best benefits.
4. Qualify for the Introductory Bonus If Available
Most credit cards offer an introductory bonus that can be huge. Often, cards with higher annual fees will give you a better introductory bonus, but it’s also possible to earn large bonuses on cards with low annual fees or even no fee at all. If there’s a sign-on bonus for your credit card, it might be best to hold off on signing up until you have a large purchase coming up.
A dining and restaurant credit card can be a great investment, especially for people who don’t travel enough to utilize a travel credit card. If you’re interested in a dining and restaurant credit card, it’s best to look at all the different benefits that these credit cards can offer you, then determine how to implement them in your life. Using a dining and restaurant credit card in the best way is even more important than trying to find the “best dining credit card,” as the best card for each person is different.