7 Best Cash Back Credit Cards for Dining Out in December 2017

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If you’re someone who frequently dines out, cashback credit cards that reward you for it are a great way to put money back in your pocket. Cashback cards for dining can earn you rewards for purchases made through restaurants, bars and takeout establishments. This is a great way for foodies to reap extra rewards just by doing what they love — eating!

We picked the following cards because they offer competitive cashback rates above 2% for dining-related purchases, as well as have low or no annual fees. As with most rewards credit cards, you may lose your cashback rewards if your account is not in good standing.

Uber Visa Card – 4% cash back

Uber Visa Card

Annual fee

$0 For First Year

$0 Ongoing

Cashback Rate

4% back on dining, 3% back on hotel and airfare, 2% back for online purchases, and 1% on everything else

APR

15.99%-24.74%

variable

The Uber Visa Card offers unlimited 4% back on dining purchases that will benefit the biggest foodies. Additionally, earn 3% back on hotels and airfare, including vacation home rentals; 2% back on online purchases that include Uber, online shopping and video and music streaming services; and 1% back on all other purchases. Dining purchases include those made at restaurants, fast-food restaurants, bars and UberEATS. Your rewards come in the form of points with a value of $0.01 per point (so 2,500 points can be redeemed for a $25 statement credit, for example). Another cool perk: There is a great sign-up bonus of 10,000 points (worth $100) if you spend $500 within the first 90 days of account opening. You can read our full review here.

AARP® Credit Card from Chase – 3% cash back

AARP® Credit Card from Chase Bank

Annual fee

$0 For First Year

$0 Ongoing

Cashback Rate

3% cash back at restaurants and gas station purchases, 1% on everything else

APR

16.49%

Don’t be led astray by the name: This card isn’t limited to people over 50 — anyone can apply. The AARP® Credit Card from Chase offers 3% cash back at restaurants (including fast food) and gas station purchases, and all other purchases will earn 1%. There is a great sign-up bonus of $200 after you spend $500 on purchases in the first three months from account opening.

The information related to the AARP® Credit Card from Chase has been collected by MagnifyMoney.com and has not been reviewed or provided by the issuer of this card.

Sam’s Club Mastercard® – 3% cash back

Sams Club MasterCard

Annual fee

$0 For First Year

$0 Ongoing

Cashback Rate

5% cash back on gas (on first $6,000 per year in purchases, then 1%), 3% on dining and travel, and 1% on other purchases

APR

11.65%

APPLY NOW Secured

on Sam's Club’s secure website

The Sam’s Club Mastercard® offers 3% cash back on restaurant purchases (excluding purchases at wholesale clubs other than Sam’s Club). You will also earn 5% cash back on gas (on the first $6,000 per year in purchases, then 1%), 3% on travel and 1% on other purchases. From now until Dec. 31, you can receive a $45 statement credit if you open your card online and make a $45 purchase on Samsclub.com on the same day you open your account. However, you do need a Sam’s Club membership to apply, and current membership fees start at $45 per year.

Take note that you’re limited to earning a maximum of $5,000 in cashback rewards in a calendar year. Checks are issued each February for the cash back earned during the previous calendar year. You will lose any cash back you earned if you end your membership or let it lapse, or if you accumulate less than $5 cash back in a calendar year.

Costco Anywhere Visa® by Citi – 3% cash back

Costco Anywhere Visa® Card by Citi

Annual fee

$0

Cashback Rate

4% on eligible gas worldwide, including Costco (for the first $7,000 per year and then 1%), 3% on restaurant and eligible travel worldwide, 2% on all other purchases at Costco and Costco.com and 1% on everything else

APR

16.24%

APPLY NOW Secured

on Citibank’s secure website

The Costco Anywhere Visa® by Citi requires a Costco membership (currently, annual memberships start at $60) and offers 3% cash back on restaurant purchases, including at cafes, bars, lounges and fast-food restaurants. Take note that purchases made at bakeries and certain restaurants/cafes in department stores, groceries or warehouse clubs will only earn 1%. In addition, earn 4% on eligible gas worldwide, including Costco (for the first $7,000 per year and then 1%), 3% on eligible travel worldwide, 2% on all other purchases at Costco and Costco.com and 1% on everything else, including the nonqualifying purchases listed above.

Cash back comes as an annual credit card reward certificate in February billing statements, redeemable for cash or merchandise at U.S. Costco Warehouses. You must maintain your Costco membership to receive rewards, and you will also lose rewards if you accumulate less than $1 in cash back or if you don’t redeem them by the end of the year.

Capital One® SavorSM Cash Rewards Credit Card – 3% cash back

The Savor℠ card From Capital One

Annual fee

$0

Cashback Rate

3% on dining, 2% on groceries, 1% on all other purchases

APR

15.49%-24.49%

APPLY NOW Secured

on Capital One’s secure website

The Capital One® SavorSM Cash Rewards Credit Card enables you to  earn unlimited 3% cash back on dining, as well as 2% on groceries and 1% on all other purchases. Also, there is a one-time $150 cash bonus after you spend $500 on purchases within the first three months from account opening. (The card website specifies that the one-time bonus is available by applying through the site, and may not be available if an applicant navigates away from the page. Also, the bonus may not be available for existing or previous accountholders.)

Alternatives: Rotating Cashback Categories

Chase Freedom® – 5% cash back

Chase Freedom<sup>®</sup>

Annual fee

$0

Cashback Rate

5% on certain categories, 1% on everything else

APR

15.99%-24.74%

Variable

APPLY NOW Secured

on Chase’s secure website

The Chase Freedom® card offers rotating bonus categories that earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter (then 1%). All other purchases will earn 1% cash back. This past July through September, the bonus category was restaurants. Through the rest of this year, October-December, is Walmart. You must activate the bonus category to earn at the higher rate. You can also earn a $150 bonus after you spend $500 within the first three months from account opening.

Discover it® Cashback Match™ – 5% cash back

Discover it® - Cashback Match<sup>TM</sup>

Annual fee

$0

Cashback Rate

5% on certain categories, 1% on everything else

APR

11.99%-23.99%

Variable

APPLY NOW Secured

on Discover’s secure website

The Discover it® Cashback Match™ offers 5% cash back in bonus categories (on up to $1,500 in purchases each quarter, then 1%) and 1% on all other purchases. Restaurants are slated to be a bonus category from July 1 through Sept. 30, 2018. Set a reminder to activate the bonus category. In addition to a cashback program, Discover is offering a first year cashback reward in which it will automatically match all the cash back you’ve earned at the end of your first year.

Are these deals the best for you?

Cashback rewards should only be pursued by responsible credit users who have no trouble paying off their balance on time and in full every month. If you’re a credit all-star who also has an affinity for dining out, these cards will provide the best perks.

If you’re apt to carry a balance, check out our picks for the best credit cards that can help you pay down debt faster.

As always, check the fine print on each card before signing up, taking special note of any fees. With those things in mind, decide which rewards structure best serves your typical spending activity and enjoy the cashback benefits — and the good eats.

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The post 7 Best Cash Back Credit Cards for Dining Out in December 2017 appeared first on MagnifyMoney.

7 Ways to Save Money at Applebee’s

Addicted to Applebee's? Make sure you follow these tips to squeeze every last dime out of your visits.

When I was younger, I was a huge fan of Applebee’s. Especially to save money while in college, my friends and I would catch a movie then go to Applebee’s for half-price appetizers. My personal favorite was the wings. They were so crispy and juicy. And they were half off!

We would get a double order each – oh to have the metabolism of a teenager again.

To enjoy a meal at Applebee’s without breaking the bank, here are a few good tips.

It’s important to note that not all Applebee’s run the same deals. There can be some variation across the country, so check with your local location to see what offers are available for you. For example, some Applebee’s in Central Florida are standouts, as they started Club Applebee’s where the restaurant turns into a nightclub after 10 p.m. until closing at 2 a.m. They run half-price appetizers, drink specials and more during this time, but this is not something that is available nationwide.

1. Happy Hour & Late Night Specials

Applebee’s runs two specials during the day – an afternoon happy hour and a late-night special.

The happy hour time for many locations is between 3 p.m. and 6 p.m. Most Applebee’s have drink specials that include discounts on adult beverages plus half off on select appetizers. If you can’t get there early, you can try to get there late. At most Applebee’s, late-night deals take effect after 9 p.m. It’s usually the same discount on adult beverages and half price on select appetizers.

2. 2 for $20 Menu

Applebee’s has a 2 for $20 Menu where you can get an appetizer and two full-size entrees for $20 or $25. You don’t get the full menu and it’s a limited selection for the deal but many popular options are available.

These entrees can cost up to $15 each, so by pairing up with a friend you can save money on your meal and get an appetizer to share.

3. Get the App & Order Online

Applebee’s has online ordering service called Applebee’s Carside to Go that you can use to order food for pickup.

As of publication date, for your first order, you can use the coupon code 5OFF25 at checkout and get $5 off your first order of more than $25.

4. Join Their Email Club

When you sign up for the Applebee’s email club, you get the occasional promotional email with coupons and discounts but also a free dessert on your birthday. Many restaurants offer free food on your birthday so if this is something you’re after, you may want to sign up with all your favorite eateries.

5. Kids Eat Free

Many Applebee’s locations allow kids 12 and under to free on certain days of the week when an adult purchases a full-price entree. If you have kids and plan on dining at Applebee’s, find out if your local restaurant offers such a deal so you can save.

6. Buy a Gift Card Online

There are many reputable gift card marketplaces online and you can buy gift cards at a big discount from people who want to get rid of them.

7. Use a Rewards Credit Card

If you dine out often, you may want to consider paying the bill with a credit card, like one of these, that helps you earn extra at restaurants.

Want more dining out hacks? We’ve got 11 ways to save at restaurants right here. And, if there’s a particular eatery you’d like us to tackle next, let us know in the comments below. 

Image: monkeybusinessimages

The post 7 Ways to Save Money at Applebee’s appeared first on Credit.com.