Best Credit Cards For Dining Out: 2021 Picks

Best Credit Cards For Dining Out: 2021 Picks

For foodie fanatics who love strolling the grocery aisles as much as a night out, the Capital One® Savor® Cash Rewards Credit Card is the best credit for dining out, offering generous cash back on many types of food purchases.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

If you've been spending a lot on dining lately, whether eating out or ordering delivery, you deserve to earn better rewards for it. With the best card for dining, you can save hundreds on food while enjoying exclusive perks like discounts, dining credits and even travel benefits.

We surveyed cards on ValuePenguin and top issuer sites to find credit cards that offer the best value on dining purchases. Whether you're looking to earn some extra cash back while eating out or you want to start stacking up travel rewards for your next vacation, you'll find the best credit cards for your restaurants on this list.

Best dining credit card August 2021

Recommended card
Best for
Rewards on dining
unavailable credit card
Capital One® Savor® Cash Rewards Credit CardDining and entertainment4% cash backRead Review
Chase Sapphire Reserve®
Chase Sapphire Reserve®Dining and travel3X points
Apply Now
  • On Chase's Secure Website
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® CardDining and travel (honorable mention)2X points
Apply Now
  • On Chase's Secure Website
Chase Freedom Unlimited®
Chase Freedom Unlimited®Cash back on dining3% cash back
Apply Now
  • On Chase's Secure Website
unavailable credit card
Wells Fargo Propel American Express® cardRestaurants and gas3X pointsRead Review
American Express® Gold Card
American Express® Gold CardDining and groceries4X points
Apply Now
unavailable credit card
U.S. Bank Altitude® Go Visa Signature® Card$0* annual fee4X pointsRead Review
Recommended cards
Capital One® Savor® Cash Rewards Credit CardRead Review
Chase Sapphire Reserve®
Apply Now
  • On Chase's Secure Website
Chase Sapphire Preferred® Card
Apply Now
  • On Chase's Secure Website
Chase Freedom Unlimited®
Apply Now
  • On Chase's Secure Website
Wells Fargo Propel American Express® cardRead Review
American Express® Gold Card
Apply Now
U.S. Bank Altitude® Go Visa Signature® CardRead Review

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

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Best dining and entertainment credit card

Capital One® Savor® Cash Rewards Credit Card

Earn unlimited 4% cash back on dining and entertainment

ValuePenguin's verdict

If there were ever the best credit card for eating out, and for entertainment junkies, the Capital One® Savor® Cash Rewards Credit Card is it. You can pile up rewards fast with this card if you spend a lot on food, since you Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores and 1% on other purchases. The entertainment category covers everything from movies, sporting events and concerts to amusement parks, tourist attractions and purchases made at record stores, so folks who are frequently out on the town should be able to really milk this category.

The card also offers one of the more lucrative welcome bonuses when it comes to cashback cards. That being said, this card does come with a $95 annual fee, while plenty of other cashback cards have no annual fee — including the Capital One SavorOne Cash Rewards Credit Card, which, as the downgraded version of this card, earns a lower cash back rate on dining and entertainment and has a smaller welcome bonus and fewer benefits. To justify paying $95 per year for the cashback boost offered by the Capital One® Savor® Cash Rewards Credit Card, you'll need to spend close to $800 per month on dining and entertainment.

Benefits

  • Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores and 1% on other purchases.
  • Extended warranty protection
  • Travel accident insurance
  • Redeem rewards for online shopping with PayPal and Amazon
  • No minimum threshold for cashback redemptions
  • 0% foreign transaction fees

Drawbacks

  • $95 annual fee
  • High APR

Best credit card for dining and travel

Chase Sapphire Reserve®

  • On Chase's Secure Website

$550

16.99%-23.99% Variable

Excellent

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Earn 3X points on both dining and travel

ValuePenguin's verdict

The Chase Sapphire Reserve® is a jetsetter's favorite, loaded with perks and benefits that can easily save you hundreds, if not thousands, every year. It's also the best dining credit card for frequent travelers thanks to the 3X points on both dining and travel. Plus, in light of the COVID-19 pandemic, Chase has added some temporary rewards that can help you earn even more — these include a bonus on grocery spending and up to $120 in statement credits for DoorDash delivery orders.

To help offset the hefty annual fee, you'll also get a $300 Chase annual travel credit that can be applied to any purchase that codes as travel and, until June 30, 2021, gas station and grocery store purchases as well. Complimentary access to more than 1,000 airport lounges worldwide and extensive travel protections like trip cancellation insurance, lost and delayed baggage insurance and travel emergency assistance make this the perfect card for folks who want travel rewards and benefits. The Chase Ultimate Rewards program earns some of the most valuable points out there, worth 1.5 cents each for Chase Sapphire Reserve® cardholders when redeemed through Chase's travel portal or potentially even more when transferred to one of Chase's transfer partners.

Unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.

Benefits

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. (worth $750 in travel spending)
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases.
  • $300 annual travel credit
  • 3X points on groceries on up to $1,000 in spending per month until April 30, 2021
  • 10x points on Lyft rides through March 2022
  • Transfer points to 14 Ultimate Rewards airline and hotel partners
  • 50% bonus on points redeemed through the Ultimate Rewards® portal
  • Complimentary DashPass subscription for free delivery from DoorDash
  • $120 in DoorDash statement credits — $60 in 2020 and $60 in 2021
  • Up to $120 back on a Peloton membership
  • Complimentary Priority Pass™ Select membership for access to more than 1,000 airport lounges worldwide
  • Primary rental car insurance
  • Robust travel protection and insurance
  • Extended warranty protection
  • $0 foreign transaction fees

Drawbacks

  • $550 annual fee
  • High APR
  • Rewards worth significantly less when redeemed for cash

Honorable mention for dining and travel

Chase Sapphire Preferred® Card

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

Earn 2X points on travel and dining at restaurants worldwide

ValuePenguin's verdict

If you're a traveler looking for the best card for eating out, the Chase Sapphire Preferred® Card is another excellent contender, especially if you don't want to pay a premium annual fee. This card is still packed with perks that can help you save money on travel and dining. The card offers 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide. In addition, you'll also get 2X points on up to $1,000 in grocery spending per month until April 30, 2021. The 25% bonus on points redeemed through Chase's travel portal means your points are worth a whopping 1.25 cents each, and if you transfer them to one of Chase's airline or hotel transfer partners, you can squeeze even more value out of those points.

For a credit card with a $95 annual fee, this card also comes with some of the most generous travel protections out there — trip cancellation/trip interruption insurance, primary rental car insurance, baggage delay and lost luggage insurance, trip delay reimbursement and travel accident insurance.

Benefits

  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide
  • 2X points on groceries on up to $1,000 in spending per month until April 30, 2021
  • 5X points on Lyft rides through March 2022
  • Transfer points to 14 Ultimate Rewards® airline and hotel partners
  • 25% bonus on points redeemed through the Ultimate Rewards® portal
  • Complimentary DashPass subscription for free delivery from DoorDash
  • Up to $60 back on a Peloton membership
  • Primary rental car insurance
  • Robust travel protection and insurance
  • Extended warranty protection
  • $0 foreign transaction fees

Drawbacks

  • $95 annual fee
  • High APR
  • Rewards worth significantly less when redeemed for cash

Best dining cashback card

Chase Freedom Unlimited®

  • On Chase's Secure Website

$0

14.99% - 23.74% Variable

Excellent/Good

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

Earn 3% on dining at restaurants and drugstores

ValuePenguin's verdict

If you're looking for the best dining credit card that earns cash back, the Chase Freedom Unlimited® is up there with the best of them. Along with the 3% back you'll earn on dining — including takeout and eligible delivery services — you'll get a bonus rate on a long list of other categories: travel purchased through Chase Ultimate Rewards, drugstores and groceries (in the first year).

Plus, an unlimited 1.5% back on all other purchases will help you stack your cash rewards even faster. The sign-up bonus is also generous and pretty obtainable, and you'll even get to take advantage of a 0% Intro APR for 15 months on purchases (then a 14.99% - 23.74% Variable APR applies). Just make sure to pay off your balance before the intro period ends, or you'll get hit with sky-high interest fees.

Benefits

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases.
  • 0% Intro APR for 15 months on purchases (then 14.99% - 23.74% Variable)
  • Trip cancellation/interruption insurance
  • $0 annual fee

Drawbacks

  • High APR
  • No balance transfer offer

Best credit card for restaurants and gas

Wells Fargo Propel American Express® card

Earn 3X points on a variety of categories, including dining

ValuePenguin's verdict

The best credit card for restaurants should earn big on dining, but the longer the list of bonus categories, the better. With the Wells Fargo Propel American Express® card, the list is nearly endless and includes most types of travel expenses in addition to dining. This includes local travel, as gas, ride-sharing services and transit are bonus categories, which is particularly helpful if you've been exploring your own backyard during the pandemic.

For international travelers, this is one of few no-annual-fee credit cards that charges a None foreign transaction fee. The introductory APR on purchases and balance transfers is a nice perk, although doesn't last very long. The card also comes with a high ongoing APR, so you'll want to be sure you pay off your balance in full before that introductory period ends. Finally, Wells Fargo cards offer up to $600 in cell phone protection if your cell phone is damaged or stolen.

Benefits

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value (worth $200 in cash redemption)
  • Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.
  • Intro APR of 0% intro APR for 12 months from account opening on purchases and intro 0% intro APR for 12 months on qualifying balance transfers. After, a 14.49%-24.99% (Variable) APR applies.
  • Cell phone protection
  • None foreign transaction fees
  • $0 annual fee

Drawbacks

  • High APR
  • Short introductory period on the 0% intro APR offers

Best dining and grocery credit card

American Express® Gold Card

$250

See Pay Over Time APR

Excellent/Good

  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Earn 4X Membership Rewards® Points on Restaurants worldwide and 4X Membership Rewards® points at U.S. supermarkets

ValuePenguin's verdict

The American Express® Gold Card is the perfect middle-of-the-road rewards card if you're looking for the best dining credit card that offers a few premium perks without the steep annual fee. The high earn rate is extremely generous, and it includes takeout and delivery in addition to dining in. You'll also get that rate on up to $25,000 of grocery spending each year, which is one of the most generous spending caps of any card that offers groceries as a bonus category.

You can also earn up to $120 in dining credits — $10 in statement credits per month for purchases with Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, or participating Shake Shack locations (enrollment required). Additionally, you'll earn up to $120 in Uber Cash — up to $10 in Uber Cash per month for U.S. Uber rides or U.S. Uber Eats (once you load the card into the Uber app). You'll want to make sure you can maximize these benefits, as they play a significant role in offsetting the card's annual fee. Finally, the welcome offer gives you a chance to earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. That's easily worth $600 in Membership Rewards points — more if you transfer your points to one of Amex's transfer partners.

Note, unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.

Benefits

  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply.
  • Transfer points to more than 20 airline and hotel partners
  • Up to $120 in dining credits (enrollment required)
  • Up to $120 in Uber Cash. Your American Express® Gold Card needs to be added to your Uber app in order to receive this monthly Uber Cash benefit.
  • None foreign transaction fees
  • Terms apply

Drawbacks

  • $250 annual fee
  • High APR
  • Terms apply

For rates and fees of American Express® Gold Card, please click here.

Best no-annual-fee dining credit card

U.S. Bank Altitude® Go Visa Signature® Card

Earn 4X points on dining, including takeout and delivery

ValuePenguin's verdict

You'll be hard-pressed to find another no-annual-fee credit card that offers such a generous earn rate on dining as the U.S. Bank Altitude® Go Visa Signature® Card. Add on top of that the welcome bonus, worth $250, and points on groceries, gas and streaming, and you've got one of the best rewards cards for folks who want to keep their fees minimal.

You'll also get a $15 statement credit each year after 11 months of eligible streaming service purchases, which include most major platforms — Netflix, Hulu, Spotify, Apple Music, YouTubeTV, and more. The main drawback of this card is the high ongoing APR, but as long as you make sure to pay off your balance in full each month, you won't have to worry about that.

Benefits

  • Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. (That's worth $250.)
  • Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.
  • $15 annual credit for streaming services
  • Intro APR of 0% for 12 billing cycles on purchases* and 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening, after which a 14.99% - 23.99%* (Variable) APR applies.
  • None foreign transaction fees
  • $0* annual fee

Drawbacks

  • High APR
  • Short 0% intro APR period

How to choose a dining credit card

Getting the right rewards card can save you hundreds of dollars per year. When choosing a dining credit card, make sure to look for features and benefits that match up with your spending habits and rewards goals.

Earning rate on dining purchases

If you know you spend a lot on dining, one of the first things you should look for is a high earn rate on dining purchases. Make sure this includes takeout and delivery if you tend to order out. Keep in mind that a credit card with an annual fee will typically offer a higher earning rate, but it's only worth it if you spend enough to outearn the annual fee.

Sign-up bonus

While it shouldn't be the only thing you look for, a generous sign-up bonus can help you jumpstart your rewards in just a few months. The bigger the bonus the better, as long as you can actually earn it. Pay attention to the minimum spending requirement, and if it's on the higher end, try to line up your application with months in which you know you'll be spending more than usual.

Other restaurant benefits

In addition to earning bonus points and cash back on dining, you can also look for credit cards that offer extra dining-related perks. Some come with dining credits that save you money with certain establishments, while others might get you special offers and discounts with a particular restaurant chain or food delivery service. As long as you can take advantage of these benefits, it's worth adding them to your list of features to look for.

Types of rewards

Rewards credit cards earn either cash back or points or miles, and it's crucial to know which you prefer before deciding on a card. Credit card points and miles tend to be best used for travel redemptions, making them less versatile than cash back rewards. That being said, you might be able to earn points and miles at a faster rate, so if you know you can use travel rewards, opting for a travel credit card that earns big on dining can make a lot of sense. If you're not sure whether or not you'll be able to redeem your rewards for travel, or you simply want a more straightforward rewards system, cash back might be right for you.

Annual fee

You'll want to decide whether or not you're willing to pay an annual fee. While it might seem silly to do so when there are plenty of rewards cards that don't charge an annual fee, credit cards with annual fees earn rewards at a faster rate and offer more wide-reaching benefits. Do the math to figure out if you spend enough to outearn the annual fee and if not, opt for the no annual fee version. For example, if paying a $95 annual fee will earn you an extra 2% back on dining, you'll have to spend at least $4,750 per year on dining to cancel out the annual fee.

What else will you purchase with the card?

You likely spend a lot in more than just one category, so finding a credit card with several bonus categories that match your purchasing habits is best. Cards that offer a bonus on dining tend to have secondary bonus categories like travel, gas, entertainment, or groceries, so choose whichever you spend the most in. You'll also want to minimize any fees, so if you travel internationally, go for a card that doesn't charge foreign transaction fees.

Foreign transaction fees

You'll want to avoid unnecessary fees if you travel abroad by either choosing a dining credit card that has no foreign transaction fees or using a different card while overseas.

How to make the most of a dining credit card

Once you find the best dining credit card, you can make the most of it by maximizing your rewards and minimizing the fees you pay.

Make the most of earning categories

At the very least, you'll want to use your dining credit card every time you dine out and on spending in any of the card's other bonus categories. You can simply use your dining credit card for all of your purchases, although it can be more strategic to rotate between two or three rewards cards depending on what you're buying, as long as you can keep track of your spending and payment due dates.

Watch out for limited time offers on dining

Many of the best cards for dining also offer limited-time promotions in which you can get bonus rewards when spending with certain partners, so pay attention to the emails you get from your card issuer.

Redeem your rewards wisely

Once you're stockpiling rewards, you'll want to make sure you know how to best redeem them. Cash back is fairly straightforward, although some credit cards have minimum thresholds for how much cash back you can redeem at once. If your card earns points or miles, learn the ins and outs of its rewards program and find the redemption options that offer the highest value for your rewards. This might be redeeming miles with a specific airline, booking travel or shopping through your card's portal, or transferring your points to one of your card issuer's transfer partners.

Don't charge more than you can pay off

Even if you find the best dining credit card and maximize your earnings, falling behind on your credit card payments or ending up with expensive interest charges will cancel out any rewards you reap. The most important way to minimize fees is to pay off your balance in full every month so that you never have to pay interest, especially because even the best credit card for dining out likely comes with a steep interest rate.

For rates and fees of American Express® Gold Card, please click here.

The information related to Capital One® Savor® Cash Rewards Credit Card, Wells Fargo Propel American Express® card and U.S. Bank Altitude® Go Visa Signature® Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).