Home Blog

Best Chase Credit Cards 2020: Chase Credit Card Comparison


Chase is a massive bank with a diversified selection of products and services. Their business is broad, but a core focus for JPMorgan Chase has always been consumer credit products. They offer some fantastic credit cards, ranging from premium rewards cards to basic cards for students. Let’s take a look at the best Chase credit cards in the guide below!

best Chase credit card

Chase is actually the largest bank in the US by assets. Their sheer size allows them to offer some of the best credit cards on the market. They have many different products, so to find the best Chase credit card for you, it’s important to consider the specific type of card you’re looking for.

We’ve broken this list down into categories, to help you find the best credit card from Chase that works for your needs and desires.


Best Chase Credit Card for Travel: Sapphire Reserve

Chase Sapphire Reserve

Annual Fee: $550 (comes with significant perks)
Credit Needed: Excellent
Signup Bonus: 50,000 miles after spending $4,000 in 3 months (worth $750 towards travel)
Rewards: 3x points on travel and dining; 1x points on all other purchases
Perks: $300 annual travel credit, airport lounge access, travel & purchase protection, much more

The Chase Sapphire Reserve is a premium credit card, and without a doubt the best Chase card for travelers. First and foremost, let’s talk about that whoppin’ $550 annual fee…

Although the annual fee is high, the card comes with a $300 annual travel credit that’s good for any sort of travel – even just parking. Since you should be able to easily use this credit every year, it basically lowers the effective annual fee to about $250 a year. Which is still a high fee for a credit card. If you’re a frequent traveler, this card is a great money tool for international travel and can definitely save you money in the long run. But if you’re not a traveler, this card is definitely not for you.

The card has a goldmine of perks for frequent travelers: airport lounge access via Priority Pass, 3x points on travel and dining worldwide, 50% bonus on travel redemption values, Global Entry fee credit, and MUCH more. Points on this card are quite valuable – worth a minimum of 1.5 cents per point when redeemed for travel. So, that 50,000 point signup bonus is equivalent to a $750 plane ticket – and the 3x points on travel and dining actually means more like 4.5% back in travel credits (making it one of the best credit cards for restaurants).

Note: If the high annual fee doesn’t make sense for your needs, the Chase Sapphire Preferred is still a great card, with a much more reasonable $95 fee. Also, keep in mind that Chase is currently offering a $100 discount on the Reserve’s annual fee, due to the ongoing COVID-19 outbreak. We do not know how long this will last, however.


Best Chase Credit Card for Cashback: Freedom Unlimited

Chase Freedom Unlimited

Annual Fee: None
Credit Needed: Good
Signup Bonus: $200 after spending $500 in the first 3 months
Rewards: 1.5% cashback on all purchases
Perks: 0% intro APR for 15 months; purchase protection; extended warranty protection

The Chase Freedom Unlimited is the best cashback credit card from Chase. It’s a simple but great card and useful for an “everyday carry”. It has no annual fee and earns a flat 1.5% cashback on ALL purchases, with no cap. There’s even a $150 signup bonus, which is rare for a no-annual-fee card.

We ranked the Freedom Unlimited as one of the best no-fee credit cards for everyday use. It certainly doesn’t have as many bells and whistles as the premium Sapphire cards – but it also doesn’t have an annual fee! If you’re looking for a simple, flat-rate option, this is a great way to go.

Plus, keep in mind that this card actually earns Chase Ultimate Rewards points. While these points can be redeemed for cash back, you can also use them for travel expenses, which often results in a better deal overall.

Note: The original Chase Freedom is another good, similar option to consider.


Best Chase Credit Card for Low Credit: Slate

Chase Slate

Annual Fee: None
Credit Needed: Average
Signup Bonus: None
Rewards: None
Perks: 0% intro APR for 15 months; $0 balance transfer fee for first 60 days; free FICO score

The Chase Slate is a much easier card to get approved for than the others on this list. It’s also great for people with existing credit card debt who are looking to save money on interest, and/or simplify their finances.

When you sign up for Slate, you’ll get a 0% intro APR for the first 15 months. This applies to purchase and balance transfers. And for the first 60 days, you can transfer over balances from other credit cards for no fee – and still enjoy the 0% APR. So, if handled right, this card could save you some significant money on interest. After the initial promo offer, there is a 5% balance transfer fee.

With that said, there’s no signup bonus, no cashback rewards, and no significant perks. Still, the initial low APR and relative ease of getting this card make it a solid choice. This is probably the best Chase credit card for students, as well, as they have no specific card targeted at students.


Things to Know About Chase Credit Cards

  • If you have lots of credit cards, you should be aware of the Chase 5/24 rule before applying for a new card. The rule essentially states that you won’t be approved for a new Chase card if you have opened 5 or more credit cards in the last 24 months.
  • Many Chase cards are somewhat difficult to get approved for if you don’t have great credit. If you get denied, find out what to do in this guide.
  • Some of the best Chase credit cards have large minimum spending requirements – check here for easy ways to meet minimum spend.
  • Chase has many other great credit cards that aren’t listed here – like the Marriott Premier Plus, United MileagePlus Explorer, and Ink Business Preferred, just to name a few! See all Chase credit cards right here


Intro to Chase Ultimate Rewards

Chase has their own rewards program, called Ultimate Rewards. Many of their credit cards, including the Freedom, Freedom Unlimited, Sapphire Preferred and Sapphire Reserve, all earn Ultimate Rewards points.

Ultimate Rewards Points are a flexible rewards currency that can be used for a wide variety of rewards. Here are some of the most common uses:

  • Redeem for flights through the Chase travel portal
  • Transfer to travel partners, converting your points into airline miles
  • Redeem for gift cards to one of 150+ retailers and restaurants
  • Shop for Apple products using your reward points
  • Convert to cash back, in the form of a statement credit or a bank transfer
  • Enjoy exclusive experiences and activities
  • Shop with points directly on Amazon.com
  • And much more!

Generally speaking, you will get the most bang for your buck by using Ultimate Rewards for travel expenses. With that said, there are tons of great uses for non travelers, as well. Personally, I usually use my Ultimate Rewards points for flights, both through Chase’s travel portal, and by transferring to partners like United Airlines. How do YOU use your Ultimate Rewards points?


What is YOUR favorite Chase credit card? Let us know in the comments!

Bank of America Make A Transfer: Apply to Transfer a Higher-Rate Balances (Guide and Review)



Bank of America balance transfers

Are super easy to complete online and should only take a minute or two!

Simply head on over to www.bankofamerica.com/makeatransfer and follow the on-screen instructions to begin.

A balance transfer with Bank of America will allow customers to consolidate higher-interest credit card balances and save with one lower monthly payment.

Bank of America transfer fee? In most cases, customers will be charged a small fee to transfer a balance. Please check with your local BOA branch for more details.


Bank of America Transfer Limit

Customers are limited to a certain amount but the amount may vary per applicant.

Please note Bank of America balance transfer offers for existing customers: please login to your Bank of America online account to apply.


How to transfer money from Bank of America to Chase

Please dial 800.732.9194 to learn more about transferring balances to another bank other than Bank of America.


Bank of America Customer Service

Call Bank of America via Phone

  • Credit card customer service (including lost or stolen card) 800.732.9194 24/7
  • International cell phone roaming charges may apply open 24/7: 1.757.677.4701
  • Credit card activation 800.276.9939
  • Credit card billing inquiries 866.266.0212 (please have your credit card number on hand when calling this number)

BOA Mailing Address

  • Credit card payments Bank of America PO Box 15019 Wilmington, DE 19886-5019
  • Express overnight service Payment Services 900 Samoset Drive DE5-023-03-02 Newark, DE 19713-6000
  • General: Bank of America PO Box 25118 Tampa, FL 33622–5118

General Customer Service Hours

Monday – Friday from 8 a.m. to 11 p.m. ET and Saturday and Sunday from 8 a.m. to 8 p.m. ET.


Bank of America Routing Number Location?

You should not need your BOA routing number to apply for a balance transfer but in case you do please see the below instructions on how to locate it.

Routing numbers are listed by the transaction type and the state in which you opened your account (i.e. New York, Mississippi, Vermont). The requestor should tell you which number is needed for your particular transaction. In some cases, there are 2 sets of numbers for a particular state.



Bank of America came to me with this offer and I couldn’t be happier! The Bank of America balance transfer application was painless and I saved a ton of cash!” – Dyno M. Dallas, TX

My wife racked up a ton of high-interest credit card debt on her Credit One Bank Card… SAD… but Bank of America helped us make low monthly payments on that debt… but my wife continues to spend even though we have no money” – Gary W. St. Louis, MO


Final Verdict

A must for consumers with high-interest credit card debt!

Best American Express Card: 2020 Amex Card Comparison


American Express is a large bank and home to some of the best credit and charge cards out there. Traditionally, Amex has focused on high-end products to appeal to affluent cardmembers – but that’s all changed now. Today, there’s a best Amex card for every type of person, and a huge range of great credit and charge card products for every need. In this guide, we’ll explore the best American Express cards currently available.

best american express card

American Express offers both charge cards and credit cards. See the difference between charge and credit cards here. Basically, charge cards must be paid off in full at the end of the month – so you usually can’t carry a balance. It’s important to understand the difference. Nowadays, Amex offers both types of cards. We’ll show you the best Amex credit card, as well as a variety of great American Express charge cards, in the guide below.


Best Amex Card for Cashback: Blue Cash Preferred

Bluecash Preferred

Annual Fee: $95
Credit Needed: Good
Signup Bonus: $300 after spending $1,000 in the first 3 months
Rewards: 6% cashback at supermarkets and streaming services; 3% at gas stations and department stores; 1% everywhere else
Perks: 0% intro APR for 12 months; purchase and return protection; extended warranty

The Blue Cash Preferred is a great cashback credit card from Amex. 6% cashback on groceries is unbeatable, while 3% on gas and department stores also stacks up quick. The 1% on everything else is mediocre, but your average earnings should still be quite high if you buy a lot of groceries (keep in mind the 6% is capped at $6,000 in spend per year). This is a credit (not charge) card – and it may actually be the best Amex credit card, particularly considering the 0% intro APR.

The card also comes with a solid cash signup bonus of $300 after spending just $1,000. This is the current bonus, although it sometimes goes down to $200 – be sure to check the current offer. The signup bonus helps outweigh the annual fee, which is $95 a year. If you’d rather not pay a fee, the similar Blue Cash Everyday has no annual fee, but earns less cashback overall. There are also plenty of good cashback cards with no annual fee from other banks.


Best American Express Card for Travel: Platinum 

Amex platinum

Annual Fee: $550 (comes with significant perks)
Credit Needed: Excellent
Signup Bonus: 60,000 Membership Rewards points after spending $5,000 in the first 3 months (signup bonus changes frequently)
Rewards: 5x points on flights & hotels booked directly with Amex; 1x points on all other purchases
Perks: $200 annual airline fee credit; $200 annual Uber ride credit; lounge access; free Global Entry; exclusive event access; dedicated travel concierge; much more

The American Express Platinum is a premium/high-end charge card with a huge number of awesome perks. The downside? A lofty $550 annual fee! But before you write it off, consider this: If you can make use of the $200/year Uber and $200/year airline fee credits, your net annual fee is more like $150 – much more reasonable, but only if you actually use those perks. Because of the high annual fee and high credit requirements, we only recommend this card for higher-income, frequent travelers.

In addition to the $200 credits, you also get a fee credit for Global Entry (worth $100), access to the Global Lounge collection of airport lounges, exclusive benefits at the Fine Hotels and Resorts collection, dedicated travel concierge, and MUCH more. The benefits on this card are extensive – it’s up to you to decide whether they’re worth the annual fee.

You’ll get a 60,000 point sign up bonus after spending $5,000 in the first 3 months. Points are worth anywhere from 1 cent to 2 cents or more, so this bonus is worth somewhere between $600 and $1,200+, depending on how you use it.

For frequent travelers and those who enjoy exclusivity and VIP treatment, the Platinum is a great card to have. On the other hand, the fee is very high – and the base earning rate of 1x point per $1 spent is very weak. Weigh the pros and cons to see if this card makes sense for you. Also, keep in mind that this is a charge card, not a credit card.


Best No Annual Fee Amex Card: Everyday


Annual Fee: None
Credit Needed: Good
Signup Bonus: 10,000 Membership Rewards points after spending $1,000 in the first 3 months
Rewards: 2x points at supermarkets; 1x everywhere else. 20% bonus when you use your card 20+ times in a billing cycle
Perks: 0% intro APR for 15 months; no balance transfer fee for first 60 days; travel benefits

The Amex Everyday is the best American Express card with no annual fee. It also makes for a great everyday use card – hence the name! The card earns 1 Membership Reward point per $1 spent, and 2x points at US supermarkets. You also get a 20% point bonus if you use your card 20+ times in a billing cycle. Membership Rewards points can be used for a ton of different rewards, ranging from flights to gift cards to cashback.

For a no-annual fee card, the signup bonus is also very solid. 10,000 MR points is worth at least $100, plus there’s 0% APR for 15 months and no fee for balance transfers for the first 60 days. These signup bonuses are subject to change any time, but this particular offer is great for this card.


Best American Express Airline Card: Delta Gold

Delta Gold card

Annual Fee: $95, waived for the first year
Credit Needed: Good to excellent
Signup Bonus: Varies. Currently 35,000 Delta miles after spending $1,000 in 3 months
Rewards: 2x Delta miles on Delta purchases; 1x miles on all other purchases
Perks: Priority boarding and first checked bag free on Delta flights; travel benefits

The Gold Delta Skymiles credit card from American Express is a great option for frequent fliers – particularly those who like to fly Delta Airlines. It offers some ongoing perks for Delta fliers, like priority boarding and free checked baggage. And the signup bonus offers a good chunk of Delta miles towards your next flight.

As of the time of this writing, the signup bonus is 35,000 Delta miles. This card sometimes goes up to 50,000 or even 60,000 miles – so I wouldn’t recommend applying for the 35k bonus. With that said, if you can get this card with a 50,000+ mile signup bonus, it’s worthwhile. 50k Delta miles is enough for two round-trip domestic tickets.


Intro to American Express Membership Rewards

Many of the cards referenced in this guide earn American Express Membership Rewards points when you make purchases. Cards like the Platinum and Everyday both earn Amex MR points, while other cards earn their own types of rewards. The Delta Skymiles card earns Delta miles, and the Blue Cash Preferred earns cashback.

Several of American Express’ most popular cards earn Membership Rewards points. But what can you do with these points? Here’s a sample of everything that you can redeem Amex MR points for:

  • Transfer to dozens of airline partners to convert points to miles
  • Book flights and hotels directly through the Amex travel department
  • Redeem for gift cards to dozens of retailers, restaurants and more
  • Redeem for cash back in the form of statement credits
  • Use points to shop directly at Amazon.com and other retailers
  • Buy merchandise directly through Amex’s shopping portal
  • Buy event and concert tickets through Ticketmaster
  • And much more

As you can see, there are many ways to make use of your Membership Rewards points. In most cases, the most lucrative redemption options will involve travel rewards. If you want to maximize the value of your Membership Rewards points, you’re usually best off booking flights.

With that said, the entire point of rewards programs like Membership Rewards is to give you options. It’s great to have so many choices. Personally, I’ve used my MR points for a mix of flights, gift cards for Christmas gifts, and the occasional transfer to a travel partner (usually Delta Airlines, in my case). What do you use your Amex MR points for?


These are the best American Express cards of 2020, in our opinion. Of course, there are far more available than what’s listed here – see the full list here.

If you didn’t quite find what you were looking for, check out these list of best credit cards from various banks:

What is YOUR favorite Amex card? Let us know in the comments!

Best Credit Cards For Foodies (Best Cards for Restaurants)


best credit cards for restaurants

Food can be one of the great joys in life – and nothing really beats a great meal out in a quality restaurant. The flavors, the ambiance, the lack of effort on your end – it can all add up to the perfect evening. Of course, dining out can get expensive, so it’s worth doing what you can to save money. A great way to do just that is to optimize your credit card rewards when you do dine out. This article goes over some of the best credit cards for restaurants, to help you maximize your rewards!

We’ll start with a list of the best credit cards for dining, then move onto some tips and tricks to save even more money on your restaurant spending! Let’s get started.


The Best Credit Cards for Dining Out

There are literally hundreds of credit cards out there, so how does one go about choosing the best one for them? It helps to have a goal in mind. If your goal is to maximize rewards on your dining purchases, the cards below are great choices.

Best No-Annual-Fee: Capital One SavorOne


Rewards on Restaurants: 3%
Rewards on Everything Else: 3% on entertainment, 2% grocery stores, 1% on all other purchases
Signup Bonus: $150 bonus after spending $500 in the first 3 months from account opening
Annual Fee: $0

The Capital One SavorOne Rewards card is one of the best credit cards for restaurants. It’s particularly great for those who prefer not to pay an annual fee. For no-annual-fee options, this card offers the highest rewards rate on restaurants (3%).

Additionally, the SavorOne is quite useful outside of restaurant spend, as well. It offers 3% rewards on entertainment (like movies), 2% on grocery stores, and 1% on everything else. For a card with no annual fee, these rates are pretty incredible. It even comes with a signup bonus – $150 after spending $500 in the first 3 months! Keep in mind that this card is intended for those with very good to excellent credit.


Best for Fine Dining & International Dining: Chase Sapphire Reserve

Chase Sapphire Reserve

Rewards on Restaurants: 3x points (worth 3-4.5%+)
Rewards on Everything Else: 3% on travel, 1% on all other purchases
Signup Bonus: 50,000 bonus points (worth $750+) after spending $4000 in the first 3 months from account opening
Annual Fee: $550

The Chase Sapphire Reserve is a great option for those who prefer the finer things in life. This is perhaps the ultimate luxury credit card, offering a huge host of benefits and exclusive perks. It’s best for those who like to travel and eat out a lot, as most of the perks revolve around travel & dining.

The Sapphire Reserve earns 3x points per $1 spent on all dining and travel purchases. Points are worth between 1 cent and 1.5+ cents each, so this is equivalent to earning up to 4.5% back – or more – on all dining spend. Plus, the perk works worldwide, so whether you’re grabbing a bite at an airport in Denver or experiencing fine dining in Paris, you’ll earn lucrative rewards on your purchase!

Keep in mind that the Sapphire Reserve has a $550 annual fee. While that sounds outrageous, it is partially offset by a $300/year travel credit, airport lounge access, and tons of other perks. That said, it’s definitely not for everyone! In general, we only recommend this card for frequent travelers, as most of the perks are travel-related.


Best Signup Bonus with No Annual Fee: Wells Fargo Propel

Wells Fargo Propel

Rewards on Restaurants: 3%
Rewards on Everything Else: 3% on dining, bars, gas, transit, rideshare apps, travel, and streaming services. 1% on everything else
Signup Bonus: 20,000 bonus points (worth $200) after spending $1,000 in the first 3 months
Annual Fee: $0

The Wells Fargo Propel card from American Express is among the best credit cards for restaurants, and for a number of other categories as well! There’s a lot to like about this card, starting with its 3% back on dining, travel, bars, gas, transit, streaming services and more!

We also appreciate that this card has a solid signup bonus of 20,000 points (worth $200), despite having no annual fee. That’s one of the best deals you’ll be able to score without having to pay a hefty annual fee. And the spend requirement is only $1,000 in the first 3 months, which most people will easily meet (you just have to spend $1,000 on the card on any purchases – it doesn’t need to be restaurant spend).


Best for Takeout: American Express Gold Card

Amex Gold

Rewards on Restaurants: 4x points (worth 4% or more)
Rewards on Everything Else: 4% on supermarkets, 3% on select travel, 1% on everything else
Signup Bonus: 35,000 bonus points (worth $350+) after spending $4,000 in the first 3 months
Annual Fee: $250

The American Express Gold Card is another luxury credit card that’s a good option for dining out. It’s useful for foodies in general, and especially those who like to order takeout. That’s because it comes with a $10 per month credit to use at GrubHub, Seamless and some other delivery services! Beyond that, the card earns 4x points on all restaurant purchases, 4x rewards on supermarkets, and 3x points on select travel charges.

The Gold Card does have an annual fee of $250, although this is partially offset by the $120/year dining credit and other perks. The dining credit must be used up monthly, and does not roll over. The Gold Card comes with a 35,000 Membership Rewards Points signup bonus, which is worth $350-$450+ depending on how you use it the points.

Like the Chase Sapphire Reserve, this is a premium credit card that likely only makes sense for a certain type of person. If you dine out frequently, and get take-out often through delivery services like GrubHub, this card might be a good option.


Best for Uber Users: Uber Visa from Barclays

Uber Visa

Rewards on Restaurants: 3%
Rewards on Everything Else: 3% on hotels, bars, and airfare. 5% on Uber/Uber Eats. 1% on everything else.
Signup Bonus: $100 Uber Cash after spending $500 in the first 3 months
Annual Fee: $0

The Uber Visa from Barclay’s is another good option. It offers lucrative rewards and perks, but there’s a catch: the rewards you earn can only be used on Uber rides. So if you’re an Uber user, this card offers excellent value – if not, skip this one for another on our list of best dining out credit cards.

The Uber Visa earns 3% on dining out and bars, plus 5% on orders through Uber Eats (as well as Uber rides). There’s a $100 signup bonus for new users, as well. And the card has no annual fee! All the rewards you earn can be used to take free Uber rides.

This card also comes with some juicy perks, like no foreign transaction fees, and mobile phone protection if you pay your phone bill with your Uber card.

Overall it’s an excellent card – so long as you can make use of all the Uber credit you’ll be earning!


Best for Costco Members: Costco Anywhere Visa

Costco Anywhere Visa

Rewards on Restaurants: 3%
Rewards on Everything Else: 4% on gas, 3% on travel and dining, 2% on Costco purchases, 1% on all other purchases
Signup Bonus: None
Annual Fee: $0 (requires Costco membership, which starts at $60/year)

The Costco Anywhere Visa Card from Citi is a great all-around credit card, that’s also one of the best dining out credit cards. It’s available exclusively to Costco members, and although the card has no annual fee, you’ll need to pay at least $60 per year for the Costco membership. If you are already a member of Costco, this card is a no-brainer, as it offers 4% on gas, 3% on dining and travel, 2% on Costco purchases, and 1% everywhere else.

The rewards you earn on this card are issued as a Costco rewards certificate, once per year. So again, this card is only relevant for people who enjoy shopping at Costco. There is also no signup bonus, which is a downside, but not a deal-breaker given the overall value of this card for Costco members.


Best for Everyday Purchases: Citi Double Cash

Citi Double Cash

Rewards on Restaurants: 2%
Rewards on Everything Else: 2% on all purchases
Signup Bonus: None
Annual Fee: $0

The Citi Double Cash card is a good credit card for foodies that want to keep things simple. With the Double Cash, you don’t need to worry about bonus categories, rotating 5% calendars, or anything like that. This card simply earns 2% on every purchase – whether it’s a meal out, a cab fare, or a Christmas gift.

So, while there are other dining credit cards that earn a higher percentage cashback, this card sells itself on simplicity. Plus, it earns 2% on every purchase, whereas most cards only offer 1% on non-bonus category spend. Depending on your spending patterns, this card may actually earn you more rewards than other cards on this list. For simplicity’s sake, go with the Double Cash.


Honorable Mention: Rotating 5% Category Cards

Chase Freedom

Another option for maximizing credit card rewards on restaurants is to use cards like the Chase Freedom and Discover IT. This kind of cards offer 5% rewards on a specific category of purchase, and that category changes every 3 months. You can view the cashback calendars for the Chase Freedom here and the Discover IT here. Restaurants are a frequent category, but if it’s not the current category you’ll likely only earn 1% on restaurant purchases with these cards.

At certain times of the year, either of these cards could be among the best credit cards for dining out. It really just depends on which category is offered currently – take a look at the cashback calendars to learn more.


Other Ways to Maximize Restaurant Savings

Picking the best credit card for dining out is very important for maximizing your rewards and savings – but it’s far from the only thing you should optimize. Here are some other tips and tricks to save even more on dining out! For even more, check out this list from The Simple Dollar.


Dining Rewards Programs

Several airlines and other rewards programs offer dining rewards at specific restaurants. For instance, American Airlines offers the AAdvantage Dining program, which rewards you with bonus American Airlines miles when you make purchases at certain restaurants included in the program. So you won’t earn extra rewards on just any restaurant – it has to actually be listed in the participating restaurants list on the program’s website.

The usefulness of these programs varies depending on the number of included restaurants in your area. In big cities, the selection is usually pretty good – smaller towns, not so much. Regardless, this is an easy way to earn an extra 1-5+ miles per $1 spent on dining out. And best of all, this is all on top of whatever credit card rewards you’re already earning!

Most airlines have these dining programs, learn more at the links below:

Nowadays, even some hotel chains offer similar dining programs. Learn more about dining rewards programs from IHG, Marriott, and Hilton. If you don’t see your favorite program listed here, simply search for it on Google!

Keep in mind that most of these programs run off the same back-end, and offer the same restaurants. You can’t “stack” deals to earn points in multiple programs at once, unfortunately. Still, it’s an extra way to maximize rewards on dining out!


Happy Hours, Lunch Specials & More

This may seem obvious, but it’s worth mentioning again: to save money on restaurants, keep a close eye out for good happy hours, lunch specials and other deals. Happy hours are a fun way to wind down a long day, and lunch specials can offer fantastic value. In fact, look at high-end restaurants to see if they offer lunch. If so, it’s likely to be at a fraction of the cost of dinner, for the same quality food!


Stock Up on Gift Cards

Restaurants often offer some sort of discount or special deal on gift cards, particularly around the holidays. For example, a restaurant may offer an extra $10 gift certificate when you purchase $100 in gift cards. While these deals are generally meant to inspire people to give gift certificates to others, savvy dinners can simply stock up on cards for their own use.


So there you have it – our compilation of the best credit cards for dining out! What’s YOUR favorite card to use at your local restaurants? Let us know in the comments!

SoFiOffer.com – Apply for Fixed Rate Loans (Review and Guide)


SoFi Promotional Offer

  • Allows a user to apply for a fixed rated loan ranging between 5.99% APR to 18.64% APR (with AutoPay)
  • Ideal for consumers who are paying more than 16% interest on credit card debt
  • Consolidate credit card debt, personal loans, student loans and more into one simple payment plan
  • A SoFi loan can help the consumer save thousands of dollars
  • Check your personalized rate in just 2 minutes with easy online application
  • No origination fees, pre-payment fees or late feesSofi Offer

SoFiOffer.com requires the confirmation code and the zip code from the promotional mailing offer.  SoFi offers a low fixed rate and monthly payment which will allow the consumer to pay off high interest debt, like credit cards, or make a major purchase (i.e. dream vacation to Hawaii or a bathroom remodel).

About Sofi

what is sofi

Sofi is a personal finance company offering a huge variety of financial services. They specialize in personal loans and debt consolidation, and aim to attract customers who want to simplify their financial life.

Sofi makes it easy to consolidate loans – whether it’s credit card debt, student loans or personal loans – and save money on interest in the process. Sofi operates efficiently and mostly online, so they have far fewer expenses than traditional banks. This allows them to offer some of the most competitive rates in the industry, helping borrowers save thousands.

In addition to personal loans, SoFi also offers home loans, retirement investing, small business financing, personal banking, and much more. In essence, Sofi aims to offer a complete suite of financial services, helping clients consolidate their accounts to simplify their finanancial situations – and save money in the process.


SoFiOffer.com Highlights

  • Borrow from $5k-$100k at fixed rates that start at 5.99% APR
  • No hidden fees or pre payment penalties
  • Get a 0.125% rate discount on an additional SoFi loan just for being a loyal SoFi member
  • If the borrower losses their job they may qualify to have their monthly payment put on hold
  • SoFi offers award-winning customer support 7 days a week (yes they are open on Saturday and Sunday)


SoFiOffer.com Lowlights

  • Not available in the state of Nevada
  • May not be available to you if your credit score is 650 or less (generally SoFi will not lend to a credit score below 650)


If approved for a loan from SoFi via this promotion offer the applicants actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors.

Rates and Terms are subject to change at anytime without notice and are subject to state restrictions.

Update: This personal loan offer from SoFi is still one of the best in the industry. Other personal loan shops worth a visit include LendingClub.com, Upstart.com, and Prosper.com (another peer to peer lending shop).

Personal Loan Website