Best Zero Percent Credit Cards for Dining Out

Dining out has become more than just a necessity—it’s a lifestyle. Whether you’re a foodie exploring Michelin-starred restaurants or someone who enjoys casual takeout, the right credit card can make your culinary adventures more rewarding. With inflation and rising food costs, every dollar saved counts. That’s where zero percent APR credit cards come in. These cards offer an interest-free period, allowing you to enjoy meals now and pay later without extra fees.

Here’s a deep dive into the best zero percent credit cards for dining out, along with tips on how to maximize their benefits in today’s economic climate.

Why Choose a Zero Percent APR Card for Dining?

The Rising Cost of Eating Out

Food prices have surged globally due to supply chain disruptions, climate change, and geopolitical tensions. A meal that cost $20 last year might now be $25 or more. A zero percent APR card lets you spread out payments over time without worrying about interest piling up.

Rewards and Perks

Many zero percent cards also offer dining rewards, such as cash back, points, or statement credits. Pairing these perks with an interest-free period is a win-win for food lovers.

Financial Flexibility

Life is unpredictable. Whether it’s an unexpected expense or a desire to splurge on a special occasion, a zero percent APR card gives you breathing room.

Top Zero Percent Credit Cards for Dining in 2024

1. Chase Freedom Unlimited®

• 0% APR: 15 months on purchases and balance transfers
• Dining Rewards: 3% cash back on dining (including takeout and delivery)
• Bonus: $200 cash back after spending $500 in the first 3 months

Why It’s Great: The combination of high cash back and a lengthy zero percent period makes this card ideal for frequent diners. Plus, no annual fee!

2. Wells Fargo Active Cash® Card

• 0% APR: 15 months on purchases and qualifying balance transfers
• Dining Rewards: Unlimited 2% cash back on all purchases (including dining)
• Bonus: $200 cash rewards after spending $500 in the first 3 months

Why It’s Great: While not exclusively a dining card, its flat 2% cash back applies to all spending, making it versatile for those who dine out often but also want simplicity.

3. Capital One SavorOne Cash Rewards Credit Card

• 0% APR: 15 months on purchases and balance transfers
• Dining Rewards: 3% cash back on dining, entertainment, and popular streaming services
• Bonus: $200 cash bonus after spending $500 in the first 3 months

Why It’s Great: This card is tailored for food and entertainment lovers. The extended zero percent period and high rewards rate make it a top pick.

4. Citi® Diamond Preferred® Card

• 0% APR: 21 months on balance transfers, 12 months on purchases
• Dining Rewards: No specific dining bonus, but the long intro APR period is unmatched

Why It’s Great: If you’re carrying dining-related debt from another card, this card’s 21-month zero percent balance transfer offer is a lifesaver.

How to Maximize Your Zero Percent Dining Card

Plan Your Spending

Since the zero percent period is temporary, create a repayment plan. Divide your total dining expenses by the number of interest-free months to avoid surprises.

Combine with Dining Apps

Many cards partner with apps like Uber Eats or DoorDash for additional discounts. For example, the Chase Freedom Unlimited® offers 5% cash back on Lyft rides (including Lyft Eats).

Avoid Common Pitfalls

• Late Payments: Missing a payment can void your zero percent offer.
• Balance Transfer Fees: Some cards charge 3-5% for transfers. Factor this into your calculations.
• Post-Intro APR: After the promo period ends, standard rates apply. Pay off balances before then.

The Future of Dining and Credit Cards

Sustainability and Dining Rewards

With climate change impacting food supplies, some cards are introducing eco-friendly rewards. For example, the Amex Green Card offers extra points for sustainable dining spots.

Digital Wallets and Contactless Payments

Post-pandemic, contactless payments are the norm. Many zero percent cards support Apple Pay, Google Pay, and Samsung Pay for seamless, secure transactions.

Cryptocurrency and Dining

While still niche, a few cards (like the BlockFi Rewards Visa Signature Card) let you earn crypto on dining purchases. Could this be the next big trend?

Dining out doesn’t have to strain your wallet. With the right zero percent APR credit card, you can savor every bite—and every dollar saved. Whether you’re a casual diner or a gourmet enthusiast, these cards offer the flexibility and rewards to match your lifestyle.