10 best credit cards for restaurants, hotels, international travel and entertainment in 2022
The credit card business is dynamic and growing rapidly. More and more people are getting ready to use their credit cards when it comes to paying for their restaurant bills and eating out. But with so many options, it can be very difficult to know which one is the best for you. Here is a complete guide to help you choose the best credit card for your hotel, restaurant and entertainment needs, accepted globally.
What shall I look into a credit card that helps during International travel?
Booking international travel can be costly, but you can use a credit card to save money with a little advanced planning. Spend $1,000 on purchases during your overseas vacation. You’ll pay $30 in fees that can easily be avoided using a credit card with no foreign transaction fee. It will be a good idea to use a credit card if you travel internationally. When traveling abroad and needing access to funds, it’s always a good idea to own a travel credit card. Be careful that all credit cards can not serve you well. Many cards may not be accepted abroad or may charge foreign transaction fees.
Avoid Dynamic Currency Conversion is also very important. Ensure to avoid dynamic currency conversion of a credit card characteristic. It will allow you to make a credit card purchase in a foreign country by utilizing your residence country’s currency. Many tend to have trouble recounting foreign currency to the USD. It applies at least off the top of our heads while shopping. International merchants benefit from this fact at the checkout counter by quoting the final price in U.S. dollars and making that conversion at an uncompetitive exchange rate. Avoiding these unnecessary costs is quite simple. All you need to do is refuse to sign any check or receipt not expressed in the local currency.
The Best Credit Cards For Restaurants, hotels , international travel and entertainment
Credit cards for international travel, restaurants and hotels offer you cash back rewards just for using the card to purchase items at different restaurants. They don’t charge at all or very nominal Foreign Transaction Fee. Credit card issuers impose fees for shopping made overseas with a foreign retailer. These fees usually range from 1% to 3% of each purchase. That can result in you paying significantly more than the posted price of anything that you purchase overseas. It can add up throughout a trip
The best part about these cards is that they can be used towards travel discounts and to pay for certain expenses like dinner or lunch. This comes in handy when you’re trying to save money on food or if you’re trying to go out more often because of busy schedules.
If you’re looking for a good travel credit card to purchase plane tickets, car rentals, etc., be sure to look into what the benefits are offered by the company you choose to apply with before applying so that you can plan accordingly. Here’s our choice for making it easy on yourself.
There are many factors to consider when deciding on the best credit card for restaurants and hotels, such as annual fee, interest rates, rewards points and cash back.
10 best credit cards for restaurants, hotels, international travel and entertainment in 2022
1. Chase Sapphire Reserve
Chase Sapphire Reserve credit card offers $300 travel credit every year, which can be used for anything travel related like restaurant expenses and hotel accommodations. So as long as you keep spending as much as you were spending before getting the card, then you will use the card for your restaurant expenses and your hotel bill. There is no limit on what you can spend. The card also provides a Priority Pass membership which enables the cardholder and the cardholder’s travel companions to gain access to more than 1,200 airport lounges around the world for free.
This is a great benefit as not only restaurants and hotels, but there are plenty of other things one can do with the admission to the airport lounges. It applies to your international travel. And the lounge access is available to the cardholder and up to three of his/her travel companions. So it is a peace of mind for the whole family on holiday trip.
For example, if you are travelling Europe with your family, you will all get lounge access. The card also offers a fantastic 100,000 bonus points upon spending of $4000 in the first 3 months of opening the account.
2. Capital One Savor Cash Rewards Credit Card
The Savor card is a great card for people who frequently eat out or stay at hotels. The 3% cash back on restaurants and hotels is pretty generous. The rewards are not limited to restaurants either, the card also offers 3% cash back on hotels, 2% cash back on cable and phone services (some cable and phone companies are included in this category, like Direct TV), 2% cash back on gas, and 1% cash back on everything else.
The main drawback of the Savor is the $95 annual fee, but it is waived in the first year. So in the end, it’s pretty reasonable.
3. U.S. Bank Altitude Go Visa Signature Card
There is a new travel credit card from US Bank Altitude Go Visa Signature Card. It might be a good fit for you for international holidays or business trip. The card comes with a sign up bonus of 60,000 points after you spend $4,000 in the first three months from account opening. These points can be used on flights, car rentals, hotels, or even gift cards. The card charges a $35 annual fee which is waived the first year.
The card does have a 10,000 point bonus after you spend $25,000 or more on the card in a calendar year. The card also has a chip and pin protection technology which allows you to have more control on your card when making overseas purchases.
4. American Express Gold Card
The American Express Gold Card provides a wide range of benefits and rewards to the holders. The Card has a high annual fee of $195. However, its benefits and rewards make it a pretty good deal. The Card has a rewards program based on the Card’s anniversary date. The anniversary date is the date from which you started using the Card. In the first year, you earn Membership Rewards points at a rate of 1%. In the second year, you earn at a rate of 2%.
In the third year, you earn at a rate of 3%. In the fourth year, you earn at a rate of 4%. In the fifth year and every year after that, you earn at a rate of 5%. You can use your Membership Rewards points for a wide range of rewards. Why is it included in the Best Credit Cards For Restaurants, hotels , international travel and entertainment?
Some examples include airline miles, cash back, gift cards, and merchandise. Another benefit of the Card is a 5% discount at restaurants. The Card also has a 24/7 concierge service. In addition, the Card has a $100 yearly airline fee credit that can be used for airline fees or to buy airline tickets from American Express. It has no foreign transaction fee. Also, no penalty APR.
5. Chase Freedom Unlimited
This is an interesting new cash back card. With this card, you get 1.5% unlimited cash back on every purchase, including restaurants and restaurants and hotels at supermarkets. This is not an introductory APR offer. It is unlimited cash back, forever.
There is no annual fee either. However, there is a $1,500 cash back cap on combined purchases of gas and restaurants per quarter. Once you hit that cap, you stop earning cash back on gas, international shopping, and restaurant purchases.
This card is issued by Chase bank. It is compatible with the Chase Freedom card, so you can use it to make purchases at restaurants and grocery stores if you have Chase Freedom cards. The only restaurant category Chase Freedom card does not earn 5X on is fast food.
For 5X Chase Freedom cards earned in restaurants, you have to have the Chase Sapphire Preferred or Reserve cards. You can link your Chase Freedom card to the Chase Freedom Unlimited card. This way, your Chase Freedom card purchases will count towards the $1,500 per quarter cap on the Chase Freedom Unlimited card.
6. Citi Premier Card
Citi Premier Card is a great choice for restaurants and hotels needs because of the restaurants and hotels rewards offered to users. You can get 3 points for every dollar you spend at restaurants. The points earned with the Citi Premier Card can be redeemed for gift certificates and gift cards from a variety of stores. The Citi Premier Card is a great option for those who enjoy restaurants and hotels out and want credit towards gift cards and gift certificates that you can use with the restaurants you love.
The Citi Premier Card is also a great choice for those who enjoy shopping at department stores. There is an option for cardholders to earn 3 points for every $1 spent on department store purchases. You will be able to redeem your points for gift cards and gift certificates with department stores as well.
There is always the option to redeem your points for gift cards and gift certificates from various popular retailers as well. A Citi Premier Card is a great credit card for those who like to shop and enjoy international restaurants and hotels.
7. Hilton Honors American Express Card
The Hilton Honors American Express Card is the best international travel credit card for restaurants and hotels. Here is why it has no annual fee and an introductory annual percentage rate (APR) of 0.00 – 6.99 %, depending on credit rating.
It also offers 6x points at U.S. restaurants, 6x points at U.S. supermarkets, 3x points at U.S. gas stations & department stores & 1x points at all other purchases.
You get an annual free weekend night at any hotel/resort in the Hilton network worldwide. Enjoy Hilton Honors Diamond status after spending $40,000 in a calendar year.
This credit card also offers one Weekend Night Reward Bonus at hotels/ resorts in the Hilton worldwide after spending $15,000 in a year. You get 10,000 bonus points when you spend $1,000 in the first three months. The 10x points categories are limited to Fine restaurants and hotels –
- 5x points, Airline restaurants and hotels
- 2x points, Casual restaurants and hotels
- 2x points & Hilton Hotels & Resorts
8. Citi Custom Cash Card
Citi Custom Cash Card is a cash reward credit card. You can use it anywhere an American Express card is accepted. You can use this card for your food bills at restaurants, bars, movie theatres, etc. For every $100 you spend, you will earn $3.00. If you spend $100,000 per year, you will earn $180 per year. You can redeem your rewards for gift cards, cash, or a statement credit.
You can use this card for shopping at Amazon.com, but you cannot use it for shopping at the following stores: Apple, Best Buy, Lowe’s, Neiman Marcus, Nordstrom, Publix, Staples, Target, Whole Foods Market, and any other store which is not on the list. You can use this card for grocery bills at any of these stores. You can use this card for buying travel tickets at any of these stores. You can use this card to get cash at the ATM.
You can use it anywhere you want. This card is easy to use. You can pay using it at supermarkets, restaurants, shopping malls, etc. Citi Custom Cash rewards is a very useful card.
9. Discover it Cash Back
The Discover it card is a decent card for people who want a card with a decent rewards program. The Discover it cash back card is a decent card for people who want a card with a decent rewards program. This card has a 0% intro APR for 12 months on purchases and has a 14.24%-24.24% variable APR. However, you can get a free FICO score from Discover, and you get a free FICO score from Discover.
This is a huge advantage for people who are trying to get out of debt. In addition, this card has a 0% intro APR for 12 months on purchases and a 14.24%-24.24% variable APR after that.
The Discover it cash back card also has a rewards program that gives you 1% cash back on all of your purchases for the first year. After that, you get at least 1% cash back on all of your purchases, and you get 5% cash back for rotating categories every quarter.
10. Chase Freedom Flex
Chase Freedom Flex is one of the most popular credit card offers. As a Chase Freedom Flex cardholder, you can earn a $500 bonus after spending $500 within the first three months. This bonus is not spendable, and you can use it for travel, cash back and more (at 1% cash back), or you can use it for statement credit (at 5% cash back).
The only downside is that there is a fee for this card. It is $0 in the first year, but it is $39 as an annual fee after the first year. This is not the only reward credit card for restaurants and restaurants and hotels. If you like restaurants and restaurants and hotels, there is also Barclaycard Arrival Plus World Elite MasterCard. This credit card is good for those who spend money in this category. This credit card has 2% rewards for restaurants, grocery stores, travel and 1% rewards for all other purchases.
We hope you enjoyed our article about the 10 best credit cards for restaurants and hotels. With this knowledge, we know that when traveling abroad, you will be able to enjoy your time at restaurants and hotels without having to worry about the high cost of your bill. So what are you waiting for? Start traveling with confidence by using one of the 10 best credit cards for international travel, entertainment, restaurants and hotels.