Earn bonus points when you use your credit card to cover your next restaurant bill.
If you like the sound of being rewarded every time you eat out, then you may want to have a read about these cards. These credit cards can be used to make purchases in various restaurants where you can earn bonus points, or you can also redeem points for restaurant rewards.
Credit cards with bonus points for restaurant purchases
What is this type of credit card?
Credit cards with bonus points for restaurant purchases allow you to earn bonus points when eating at partnered restaurants. Depending on the card, you can then use these points to redeem a range or rewards, including more restaurant experiences. Where you can earn bonus points will depend on the card and provider, so make sure to check your bank's website to know exactly where you can earn bonus points when paying on your card.
How to compare credit cards that offer bonus points for dining
- Costs. If your card comes with a rewards program that lets you earn bonus points when you dine at a restaurant, it might be a premium card that comes with a higher annual fee. You should also consider the interest you'll earn on purchases to make sure that the value you get from the bonus points isn't outweighed by the cost of the card.
- Point accumulation. Just how easy is it for you to accumulate points? The answer to this question will depend on the type of card you have. Some cards will give you points for every dollar spent, while others might be more stringent with their points. You should also make sure you familiarise yourself with the list of participating restaurants, as you won't get much value from the bonus points feature if your favourite restaurants aren't included.
- Complimentary perks. Premium cards that offer rewards programs often come with other complimentary perks, such as a concierge service or complimentary insurances. Make sure that these complimentary extras are of value to you, that way you'll get the most out of your card.
- Restrictions. Compare the restrictions that come with different credit cards and select one that will be the least restrictive to the way you want to spend.
Frequently asked questions
What do credit cards with bonus points for restaurant purchases offer?
You can redeem the bonus points for meals, cash back, discounts and exclusive offers.
Are the annual fees expensive?
Annual fees differ between providers, so remember to check this before you apply.
Where can I use these credit cards to earn bonus points?
You can check out the restaurant and cities list provided by your card provider.