Home > Credit Cards > 4 Rewards Credit Cards for Your Dating Life

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[UPDATE: This article was updated 3/9/18 by Brian Acton. Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.]

Whether you’re playing the field or seeing someone exclusively, dating can be an important aspect of your social life. Going on dates gives you an opportunity to meet new people, deepen an existing relationship, or just have some fun (hopefully).

Unfortunately, dating can do a number on your wallet. Some credit cards are perfect for romance, as they earn you rewards on common date destinations.

Here are four credit cards for your dating life.

  1. Citi ThankYou Preferred

    Citi ThankYou® Preferred Card

    Apply Now
    on Citi's secure website
    Card Details
    Intro Apr:
    0%* for 15 months on purchases and balance transfers

    Ongoing Apr:
    14.99% - 24.99%* (Variable)

    Balance Transfer:
    Intro: 0% for 15 months on Balance Transfers*

    Annual Fee:
    $0*

    Credit Needed:
    Excellent
    Snapshot of Card Features
    • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.99% - 24.99% based upon your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
    • Earn 2X Points on Dining Out & Entertainment
    • Earn 1X Points on All Other Purchases
    • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • No annual fee*

    Card Details +

Rewards: Two points per dollar spent on dining and entertainment and one point per dollar spent on other purchases.
Signup Bonus: None
Annual Fee: $0
Annual Percentage Rate (APR): 0%* for 15 months on purchases and balance transfers, then 14.99% - 24.99%* (Variable).

Why We Picked It: This card helps you switch it up by earning double points on an endless list of date ideas.
For Dating: Dining purchases at restaurants, bars, cafes, lounges, and fast food joints earn double points. But the real stunner is the sheer variety of purchase types that qualify for double points in the entertainment category; these include live entertainment, theater productions, concerts, sporting events, movie theater tickets, amusement parks, museums, and even streaming internet services if you want to stay in and watch a movie. Mix and match these categories and you’ll never repeat a date twice. Points can be redeemed for travel, gift cards, and more.

Drawbacks: There isn’t a sign-up bonus.

  1. Capital One Savor Card

Rewards: 3% cash back on dining purchases, 2% cash back on groceries, and 1% cash back on other purchases.
Sign-Up Bonus: $150 bonus cash if you spend $500 in the first three months.
Annual Fee: $0
APR: 0% APR for 15 months on purchases and balance transfers, then 15.99% - 24.74% (Variable)APR.
Why We Picked It: If you tend to go out for meals, this card can help you save big.
For Dating: Your dining purchases earn 3% cash back, reducing your restaurant bills. You’ll also earn 2% cash back on groceries, which could come in handy if your relationship goes to the next level and you start cooking for your date at home.

Drawbacks: If you aren’t looking for cash back, this card isn’t a good fit.

  1. Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Apply Now
    on Chase's secure website
    Card Details
    Intro Apr:
    N/A

    Ongoing Apr:
    17.49% - 24.49% Variable

    Balance Transfer:
    17.49% - 24.49% Variable

    Annual Fee:
    $0 Intro for the first year, then $95

    Credit Needed:
    Excellent-Good
    Snapshot of Card Features
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
    • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
    • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • No foreign transaction fees
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
    • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

    Card Details +

Rewards: Two points per dollar spent on travel and dining and one point per dollar spent on other purchases.
Signup Bonus: 50,000 bonus points if you spend $4,000 in the first three months.
Annual Fee: $0 the first year, then $95.

APR: 17.49% - 24.49% Variable.

Why We Picked It: This card is perfect for travelers and diners alike.

For Dating: Your dining and travel purchases earn double points on the dollar. Points can be redeemed for many things, but travel redemptions offer the best value. If you’ve found the perfect travel soul mate, this card is a great fit.
Drawbacks: There’s a $95 annual fee.

  1. Citi Double Cash – 18 month BT offer

    Citi® Double Cash Card – 18 month BT offer

    Apply Now
    on Citi's secure website
    Card Details
    Intro Apr:
    N/A

    Ongoing Apr:
    14.99% - 24.99%* (Variable)

    Balance Transfer:
    Intro: 0%* for 18 months on Balance Transfers*

    Annual Fee:
    $0*

    Credit Needed:
    Excellent-Good
    Snapshot of Card Features
    • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
    • No categories to track, no caps on cash back, no annual fee*

    Card Details +

Rewards: 2% cash back on purchases;1% cash back on purchases and an additional 1% cash back upon payment.
Signup Bonus:
None
Annual Fee:
None

APR: Variable 14.99% - 24.99%* (Variable) on purchases; Intro: 0%* for 18 months on Balance Transfers*, then 14.99% - 24.99%* (Variable).

Why We Picked It: No matter where you go on dates, you can earn double cash back.
For Dating:
All your dating purchases will earn 2% cash back once they’ve been paid off. This card is a good fit if your spending varies from month to month.
Drawbacks:
You won’t earn your rewards until you’ve paid off your purchases.

 

How to Choose a Credit Card for Dating

If dates make up a good chunk of your monthly expenses, a credit card for dating rewards might be a great choice. Make sure to pick a card that rewards the types of purchases you tend to make; dining rewards won’t be a good fit if you tend to avoid restaurants.

Choose a card that earns rewards you’ll actually use. Miles and points are great for frequent travelers and gift card redemptions, but a cash back card might be a better fit if you’re looking to reduce your monthly bill.

Before you apply for a card, check for a competitive APR and fee structure. Excessive interest or fees can reduce the value of your rewards.

What Credit is Required for a Card for Dating?

Cards with great rewards frequently require good to excellent credit. The hard inquiry stemming from a credit card application can ding your credit score a few points, so you should only apply if you’re confident you will be approved. You can check your credit score for free at Credit.com.

You can also carry on the conversation on our social media platforms. Like and follow us on Facebook and leave us a tweet on Twitter.

 

At publishing time, the Citi Double Cash Card – 18 month BT offer, Citi ThankYou Preferred, Capital One Savor Card, and the Chase Sapphire Preferred card are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved, or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees, and terms for credit cards, loans, and other financial products frequently change. As a result, rates, fees, and terms for credit cards, loans, and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees, and terms with credit card issuers, banks, or other financial institutions directly.

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