Best Credit Cards for Travel AND Dining / Restaurants – September 2023

Travel and dining go hand-in-hand, so you’ll want a travel rewards credit card that also earns great rewards on your restaurant meals. Here are the best:

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card_name – Travel and Dining Rewards: Earn 5 points per dollar on travel purchased through the Chase Ultimate Rewards travel booking site and earn 2 points per dollar on other travel purchases. Earn 3 points per dollar on dining, including eligible delivery services, takeout and dining out.

Also, earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards. (Note that you won’t earn points on the $50 that qualifies for the hotel credit.)

But that’s not all: When you redeem your points through Chase’s travel booking site, the value of your points goes up by 25%! So, 5 points becomes 6.25 points, 3 points becomes 3.75 points, etc.  You alternately can choose to transfer the points you earn into the frequent flyer or hotel loyalty programs of Chase partners including United, Southwest, Hyatt, Marriott and more. (And, because Chase allows you to combine points between multiple Chase credit cards, many people choose a larger strategy of earning points on more than one Chase card and getting the extra potential value that comes when redeeming with this card.)

We’re still not done: You’ll also earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs), 3x points on select streaming services, and 1 point per dollar spent on all other purchases.

One more thing, kinda important — NEW CARDHOLDER BONUS OPPORTUNITY: bonus_miles_full
Annual fee on this card: annual_fees.

 

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card_name – Travel and Dining Rewards: Earn 4X POINTS At Restaurants Worldwide, plus takeout and delivery in the U.S. Earn 3X POINTS On Flights booked directly with airlines or on amextravel.com. (Points can be redeemed for travel through amextravel.com or transferred into travel loyalty programs of Delta, Hilton, Marriott and more.)

But wait, there’s more: You’ll also earn 4X POINTS On Groceries at U.S. supermarkets on up to $25,000 in purchases per year, and 1X points on other eligible purchases.

Dining Credits, Too! Earn up to $10 in statement credits monthly (up to $120 per year) when you pay with this card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. (Enrollment required.) AND Add this card to your Uber account, and you’ll automatically get $10 in Uber Cash each month (for a total of up to $120 per year), that you can use on Uber Eats orders or Uber rides in the U.S.

Yes, there is a New Cardholder Bonus Opportunity: bonus_miles_full annual_fees annual fee for this card, but plenty to justify it. card_name. American Express is a ProudMoney advertiser.

 

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card_name – Travel and Dining Rewards: Earn 5 points per dollar on flights and 10 points per dollar on hotels and car rentals when you purchase travel through the Chase Ultimate Rewards travel booking site. You’ll also earn 3 points per dollar on other travel purchased with the card. (We’ll get to the dining rewards in a second.)

$300 Annual Travel Credit: You’ll automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year. NOTE: The first $300 in travel booked with the card qualifies for the credit, but you won’t earn points on that first $300 in travel purchases. All of the points earning detailed above kicks in after you’ve spent $300 on travel with the card and enjoyed having that $300 credited back to you.

DINING REWARDS: Earn 10 points per dollar when dining at restaurants booked through the Chase Dining reservation system. Earn 3 points per dollar on other dining at restaurants, including eligible delivery services, takeout and dining out. Earn 1 point per dollar on all other card purchases outside of travel and dining.

NEW CARDHOLDER BONUS OPPORTUNITY: bonus_miles_full.

50% Higher Points Redemption Value: When you redeem your points for travel through the Chase Ultimate Rewards booking site, the value of those points jumps by 50%. (Each point becomes worth 1.5 cents versus 1 cent per point with most other redemptions.) So, 5 points becomes 7.5 points, 3 points becomes 4.5 points, etc.

You alternately can choose to transfer the points you earn into the frequent flyer or hotel loyalty programs of Chase partners including United, Southwest, Hyatt, Marriott and more. (And, as mentioned above, because Chase allows you to combine points between multiple Chase credit cards, many people choose a larger strategy of earning points on more than one Chase card and getting the extra potential value that comes when redeeming with this card.)

This card has a annual_fees annual fee, but as you can see above, a frequent traveler (especially one who dines out often) can find plenty of value to justify that fee. But wait, there’s more: You’ll enjoy airport lounge access through Priority Pass (free enrollment required), good travel insurances including trip cancellation/interruption insurance and lost luggage reimbursement, Global Entry or TSA PreCheck application fee credit, etc., etc., etc…


Author: Adam Jusko


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