American Express Stock – 5 Dining Cards for Couples to Save Money on Valentine’s Day

That romantic Valentine’s Day dinner could be on the house with the right dining card.

Valentine’s Day is less than two weeks away, and it’s going to be much different than in years past. For most couples who want the fine dining experience, takeout or delivery will have to do. Even if restaurants are open in your area, they’ll be operating at lower capacities — all the more reason to make your reservation now.

While you’re planning your Valentine’s Day, it’s also the perfect time to look for dining credit cards. If you don’t have one already, it could save you some cash or even get you a free dinner.

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

My personal favorite dining card right now is the U.S. Bank Altitude® Go Visa Signature® Card . On dining purchases, it earns 4 points per $1, which is one of the best rates on the market. That also includes takeout and delivery. Each point is worth $0.01 and can be redeemed for cash back, so you’re getting 4% back on all your dining spending.

There are a couple other cards that offer 4% back on dining, but they charge annual fees. This U.S. Bank card doesn’t. And it has a 20,000-point sign-up bonus that you get after spending $1,000 on purchases in the first 90 days. Those points are worth $200, more than enough to cover entrees, drinks, and dessert.

American Express® card”>2. Wells Fargo Propel American Express® card

The Wells Fargo Propel American Express® card is a no-annual-fee card that’s big on bonus rewards. It gets you 3 points per $1 for both eating out and ordering in. Points are worth $0.01 each, and you can use them for cash back. What makes this card special is that it also has several other areas where it earns 3 points per $1, including gas stations, rideshares, flights, and hotels.

You’ll pick up 20,000 bonus points after you spend $1,000 in the first three months. If that spending requirement is easy enough for you to reach, then you’ll get a bonus worth $200.

3. Capital One® Savor® Cash Rewards Credit Card

The Capital One® Savor® Cash Rewards Credit Card is another leader when it comes to dining rewards. All your dining purchases earn 4% cash back, and to make it even better, so do entertainment purchases. Capital One has also added 4% back on eligible streaming services through April 30, 2021.

There is a $95 annual fee for this card, but if you spend enough on dining and entertainment, the cash back you earn should justify the cost. And you get a $300 welcome bonus when you spend $3,000 in the first three months. If you don’t think you’ll spend that much or you’d prefer a no-annual-fee card, you could check out the Capital One® SavorOne® Cash Rewards Credit Card

American Express® Gold Card”>4. American Express® Gold Card

First things first — with a $250 annual fee, the American Express® Gold Card costs more than the other cards on this list. However, it also has a lengthy list of features. That includes a 60,000-point welcome bonus when you spend $4,000 in six months, plus two helpful dining perks:

• $10 in statement credits monthly when you pay with your Gold Card at participating restaurants and food delivery services, such as Grubhub, Seamless, and Ruth’s Chris Steak House, for up to $120 in annual dining credits
• 4 points per $1 at restaurants, including takeout and delivery

So, you can score an easy $10 in savings on Valentine’s Day with this American Express card. You’ll also earn lots of American Express points on all your dining purchases, and those points are great for getting free travel.

5. Chase Sapphire Preferred® Card

In terms of dining rewards, the Chase Sapphire Preferred® Card doesn’t offer as much as its competitors here. You get 2 points per $1 on all your dining and travel purchases. So, why did this $95-per-year card make the list?

To start, new cardholders earn a big sign-up bonus of 60,000 points for spending $4,000 in three months. And through April 30, 2021, Chase is offering a program called Pay Yourself Back. Through that program, points are worth $0.0125 apiece (25% more than the cash back rate of $0.01 per point) when you redeem them as a statement credit towards previous purchases in several categories, including dining.

That means you could use the bonus to wipe out up to $750 in dining expenses, more than enough for a seriously extravagant dinner. Of course, you don’t need to redeem the entire bonus for a meal. There are plenty of other ways to use Chase Ultimate Rewards points, such as putting them towards a vacation.

There’s still time to open a credit card that offers dining benefits before Valentine’s Day. With all the cards you can choose from, it shouldn’t be hard to find one you like.