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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 two credit cards for your dating life.
Rewards: 3% cash back on dining purchases and entertainment, 2% cash back at grocery stores, 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 15.24% - 25.24% (Variable)APR.
Why We Picked It: If you tend to go out for meals or spend a lot on entertainment, this card can help you rack up rewards pretty quickly.
For Dating: Your dining and entertainment purchases earn 3% cash back, reducing your restaurant bills. You’ll also earn 2% cash back at grocery stores, 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.
Chase Sapphire Preferred® Card
- 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 "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- No foreign transaction fees
- 1:1 point transfer to leading airline and hotel loyalty programs
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises 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: 18.24% - 25.24% 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.
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.
At publishing time, the Citi Double Cash Card – 18 month BT offer, Citi ThankYou Preferred, Capital One SavorOne 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).
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