Best credit cards for restaurant spending - Revision history

Editor: /* Card suggestions */

2021-09-22T17:43:01Z

‎Card suggestions

Editor: /* Quick comparison */

2021-09-21T22:13:03Z

‎Quick comparison

Editor: /* Quick comparison */

2021-08-12T04:23:31Z

‎Quick comparison

Editor: /* Quick comparison */

2021-08-12T03:02:35Z

‎Quick comparison

Editor: /* Card suggestions */

2021-08-12T03:01:28Z

‎Card suggestions

Editor: /* Restaurant delivery and takeout services */

2021-08-04T06:09:30Z

‎Restaurant delivery and takeout services

Editor at 21:54, 5 July 2021

2021-07-05T21:54:48Z

Editor: /* Card suggestions */

2021-06-14T16:14:10Z

‎Card suggestions

Editor: /* Quick comparison */

2021-06-14T16:13:23Z

‎Quick comparison

Editor: /* Card suggestions */

2021-06-13T18:17:28Z

‎Card suggestions

@@ Line 39: / Line 39: @@
 '''If you want to concentrate on Membership Reward points and don't plan on spending a bunch on groceries, the {{Card|GreenCard|only}} is an interesting option'''. It earns the same 3x points on Travel and Restaurants as the Sapphire Reserve Card but earns Membership Rewards points rather than Ultimate Rewards points. The effective annual fee is a little lower than Sapphire Reserve's as well. But unless you are sure you going to use your points for frequent flyer tickets, it is probably better to get the extra benefits and points flexibility from the Sapphire Reserve.
-<li>'''If you don't spend a bunch on restaurants and don't already have a better card, you can earn 4% on restaurants with the Altitude Go card and pay no annual fees'''. Unfortunately, the points don't combine with points from the Altitude Reserve card, so you can't redeem your points for more than 1 cent each. The Altitude Go also comes with a potentially useful $15 annual streaming credit and a small signup bonus.</li>
+<li>'''A great no annual fee option is the {{Card|Bilt|only}}'''. It earns 3x points on dining and, like Ultimate Rewards points, their points can be transferred to Hyatt or a number of good frequent flier programs. In fact, you may feel that they have a better set of frequent flyer partners than Chase. The card also allows you to earn 1x points when paying landlords that don't normally take credit cards.</li>
 {{Card|AltitudeGo|guide}}

@@ Line 75: / Line 75: @@
 |3.1x UR
 |$45-95
 |-
 |{{Card|SapphireReserve|only}}

@@ Line 126: / Line 126: @@
 |$0
 |-
-|{{Card|Propel|only}} <br/>(with Wells Fargo Visa Signature)
+|{{Card|Propel|only}} <br/>(with Visa Signature) - Discontinued
 |3.9%
 |3x GoFar

@@ Line 70: / Line 70: @@
 |4x
 |$95
 |-
 |{{Card|SapphireReserve|only}}
@@ Line 135: / Line 140: @@
 |2x UR
 |$0
 |-
 |{{Card|Hyatt|short}}

@@ Line 30: / Line 30: @@
 <ul class="bulletlist">
-<li>'''If you want to keep it simple, stick with the Chase combo'''. It earns 3x easy-to-use Ultimate Rewards points on restaurants, valued at {{Value|UR|3}} cents per dollar. You can earn 3x points in dining with the Freedom Unlimited, Freedom Flex, or Sapphire Reserve card. If you don't have the Sapphire Reserve, you'll need either the Sapphire Preferred or Ink Preferred to get maximum value for your points by transferring them to Hyatt or other travel partners.</li>
+<li>'''If you want to keep it simple, stick with the Chase combo'''. It earns 3x easy-to-use Ultimate Rewards points on restaurants, valued at {{Value|UR|3}} cents per dollar. You can earn 3x points in dining with the Freedom Unlimited, Freedom Flex, Sapphire Reserve, or Sapphire Preferred Card. If you have it, the Sapphire Preferred is the best options as it earns an extra .1 UR points per dollar as an anniversary bonus.</li>
-{{Card|FreedomUnlimited|guide}}</li>
+{{Card|InkPreferred|guide}}</li>
 <li>'''If you are planning to get the {{Card|PremierRewards|only}} for purchasing supermarket gift cards, it is probably your best option for most restaurant spending'''. You'll earn 4x Membership Reward points on restaurants and the annual fee can be justified by the 4x points on grocery spend (let alone the dining and Uber credits).  Keep in mind that many restaurants, especially outside of the United States, won't accept Amex cards.</li>

@@ Line 193: / Line 193: @@
 '''The {{Card|SapphireReserve|only}} provides a $60 credit for 2021'''. You can use it all at once or across multiple orders.
-'''The Sapphire Reserve and the Sapphire Preferred provide a 12 month DashPass membership'''. The Freedom Unlimited, Freedom Flex, Freedom, and Chase Slate provide three month memberships (and 50% off the next 9 months). DashPass lowers the service fees on orders of $12 or more from many of DoorDash's restaurants and eliminates DoorDash's delivery fee. The offer needs to be activated [//www.doordash.com/dashpass-v2/chase/card/en-US here] by the end of 2021. After a year (or after the end of 2021 if you activated the offer in 2020), you will automatically be charged the regular $10/month fee.
+'''Most Chase cards provide a free DashPass membership'''. The Sapphire Reserve, Sapphire Preferred and most co-branded cards (Avios, Disney, Hyatt, IHG, Marriott, Southwest, Starbucks, and United cards) provide a 12 month DashPass membership. The Freedom Unlimited, Freedom Flex, Freedom, and Chase Slate provide three month memberships (and 50% off the next 9 months). DashPass lowers the service fees on orders of $12 or more from many of DoorDash's restaurants and eliminates DoorDash's delivery fee. The offer needs to be activated [//www.doordash.com/dashpass-v2/chase/card/en-US here] by the end of 2021. After a year (or after the end of 2021 if you activated the offer in 2020), you will automatically be charged the regular $10/month fee.
 {{Label|UberEats}}

@@ Line 32: / Line 32: @@
 <li>'''If you want to keep it simple, stick with the Chase combo'''. It earns 3x easy-to-use Ultimate Rewards points on restaurants, valued at {{Value|UR|3}} cents per dollar. You can earn 3x points in dining with the Freedom Unlimited, Freedom Flex, or Sapphire Reserve card. If you don't have the Sapphire Reserve, you'll need either the Sapphire Preferred or Ink Preferred to get maximum value for your points by transferring them to Hyatt or other travel partners.</li>
 {{Card|FreedomUnlimited|guide}}</li>
 <li>'''If you are planning to get the {{Card|PremierRewards|only}} for purchasing supermarket gift cards, it is probably your best option for most restaurant spending'''. You'll earn 4x Membership Reward points on restaurants and the annual fee can be justified by the 4x points on grocery spend (let alone the dining and Uber credits).  Keep in mind that many restaurants, especially outside of the United States, won't accept Amex cards.</li>
@@ Line 61: / Line 55: @@
 !style="width: .75in;"|Earns
 !style="width: .75in;"|Annual Cost
 |-
 |{{Card|PremierRewards|short}}

← Older revision		Revision as of 16:14, 14 June 2021
Line 44:		Line 44:

	'''If you want to concentrate on Membership Reward points and don't plan on spending a bunch on groceries, the {{Card\|GreenCard\|only}} is an interesting option'''. It earns the same 3x points on Travel and Restaurants as the Sapphire Reserve Card but earns Membership Rewards points rather than Ultimate Rewards points. The effective annual fee is a little lower than Sapphire Reserve's as well. But unless you are sure you going to use your points for frequent flyer tickets, it is probably better to get the extra benefits and points flexibility from the Sapphire Reserve.		'''If you want to concentrate on Membership Reward points and don't plan on spending a bunch on groceries, the {{Card\|GreenCard\|only}} is an interesting option'''. It earns the same 3x points on Travel and Restaurants as the Sapphire Reserve Card but earns Membership Rewards points rather than Ultimate Rewards points. The effective annual fee is a little lower than Sapphire Reserve's as well. But unless you are sure you going to use your points for frequent flyer tickets, it is probably better to get the extra benefits and points flexibility from the Sapphire Reserve.
−
−	<li>'''If you can deal with some extra complexity, the Wells Fargo "Combo" is your next best option'''. It earns 4.5% on dining, without any annual fees. The trick is that you need to have two different Wells Fargo cards. And because you can only get one Wells Fargo card every 15 months, it will take some time to put this plan into action. The Wells Fargo Propel Card earns 3x points on Restaurant (and Travel, Gas, and Streaming Services). Normally these points are only worth 1 cent each. But, if you also have the Wells Fargo Visa Signature Card, you can redeem points at 1.5 cents each, for airfare purchases through the Wells Fargo portal. That works out to 4.5 cents per dollar.</li>
−	~~{{Card\|Propel\|guide}}~~

	<li>'''If you don't spend a bunch on restaurants and don't already have a better card, you can earn 4% on restaurants with the Altitude Go card and pay no annual fees'''. Unfortunately, the points don't combine with points from the Altitude Reserve card, so you can't redeem your points for more than 1 cent each. The Altitude Go also comes with a potentially useful $15 annual streaming credit and a small signup bonus.</li>		<li>'''If you don't spend a bunch on restaurants and don't already have a better card, you can earn 4% on restaurants with the Altitude Go card and pay no annual fees'''. Unfortunately, the points don't combine with points from the Altitude Reserve card, so you can't redeem your points for more than 1 cent each. The Altitude Go also comes with a potentially useful $15 annual streaming credit and a small signup bonus.</li>

@@ Line 99: / Line 99: @@
 |3x UR
 |$95
 |-
 |{{Card|Altitude|short}} <br/>(on mobile wallet purchases only)
@@ Line 138: / Line 133: @@
 |3 - {{Value|venture|3}}% §
 |3x
 |$0
 |-

@@ Line 26: / Line 26: @@
 * All of the personal Hilton, Marriott, and Delta cards receive a monthly restaurant credit every month in 2021. You want to make sure to use the card to get anywhere from $5-20 of free restaurant, delivery, or takeout food every month.
 </ul>
 {{/Box}}