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The 10 Best Credit Cards for Restaurants, Dining, and Takeout [2024]

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What To Look For in a Credit Card for Restaurants and Dining

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You don’t have to be a foodie to appreciate earning rewards when dining out or ordering in from your favorite restaurant. In fact, we’d say that there’s no sweeter dessert than seeing the points, miles, or even cash-back roll in after you’ve put down your fork.

But when it comes time to pay the check, do you worry about which of your cards would earn the most cash-back or points on dining purchases?

Well, yes, obviously.

We do, too — and that’s why we’ve created this go-to guide for the best credit cards to use when dining out .

This is our collection of the best credit cards for earning even more rewards on your credit cards when going out for grub.

The truth is, when eating out, the biggest factor that should drive which credit card you use is its rewards structure . That means you’re unlikely to use purchase protection, return protection, or extended warranties at a restaurant. Plus, when you eat out, you probably don’t need an enormous spending limit beyond a traditional credit limit, so having huge spending power probably isn’t essential.

While you probably wouldn’t complain if you also received luxury travel perks with your credit card, it’s probably not the primary motivator for you in getting a credit card for restaurants and dining.

So that pretty much leaves rewards! In this next section, we’ll walk you through the best personal cards to use for restaurants and dining.

The 6 Best Personal Cards for Restaurants and Dining

You’d have to spend an extraordinary amount of money on dining to select a credit card based solely on the level of dining rewards that the card offers. For this reason, our choices for the best credit cards include those that offer more than just dining rewards .

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

The American Express ® Gold Card  is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

• 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at Amex Travel
• Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com , Milk Bar and select Shake Shack locations
• Up to $120 in annual Uber Cash : get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
• No foreign transaction fees (see rates and fees )
• Access to Amex’s The Hotel Collection
• Access to American Express transfer partners
• $250 annual fee (see rates and fees )
• No lounge access
• Earn 60,000 Membership Rewards ® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards ® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards ® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards ® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express ® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Terms Apply.

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• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

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Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Gold card is the best card to maximize your earning potential at restaurants and dining. That’s because it earns 4x Membership Rewards Points per dollar for purchases at restaurants and at U.S. supermarkets (up to $25,000 per calendar year, 1x thereafter). That means whether you’re eating out or cooking up a storm at home, you get amazing rewards.

Beyond that, this card comes with up to $10 in monthly dining statement credits when making purchases at participating partners, including Grubhub , The Cheesecake Factory, Goldbelly, Wine.com , Milk Bar, and select Shake Shack locations. You have to enroll to get this benefit.

Also, another dining-related perk is up to $120 in Uber Cash , which is offered in the form of $10 per month. You can use this for Uber rides in the U.S., as well as Uber Eats orders in the U.S.!

Earning rewards in 4x bonus spending categories, receiving dining credits, and the Uber Cash perks easily offset the annual fee. Note that terms may apply, and enrollment is required for certain Amex Gold card benefits. The card is a top choice for dining rewards.

But beyond that, the Amex Gold card also earns 3x points on flights booked directly with the airline or through  AmexTravel.com . It even confers access to The Hotel Collection to get you a room upgrade and property credits when booking eligible stays.

To round it out, you get baggage insurance, secondary rental car coverage, purchase protection, an extended warranty, a complimentary ShopRunner membership , and more.

The Amex Gold card has no foreign transaction fees ( rates and fees ), no preset spending limit, and lets you add up to 5 authorized users for no additional annual fees ( rates and fees ).

No preset spending limit means your spending limit is flexible . Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Hot Tip: See the full benefits and perks offered for being an Amex Gold cardholder, which we value at over $4,000.

Why We Like Earning American Express Membership Rewards Points

To say that we love the Amex Membership Rewards system is an understatement. And there’s a good reason: These points are among the most valuable transferable currencies , worth 2.2 cents each, by our valuations .

Earning 4x points means you earn a return on spending of 8.8%, which is incredible. And while you can redeem points for cash-back, charity , gift cards, statement credits, and travel via AmexTravel.com using Pay With Points, it’s best to use Amex transfer partners for incredible luxury flights and hotels .

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC
• APR: 21.49%-28.49% Variable

Chase Ultimate Rewards

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The Chase Sapphire Preferred card earns an amazing 3x Ultimate Rewards points per dollar spent on dining and online grocery purchases. This is especially impressive when you consider its mild annual fee. It even has a generous welcome bonus offer to help you rack up points faster.

Another neat perk you get with this card is complimentary DoorDash DashPass for a minimum of 1 year if you activate it by December 31, 2024. This is a subscription service that includes free food delivery on select DoorDash orders over $12. It also reduces fees, which makes ordering food delivery just a little bit cheaper.

There are plenty of other earning categories available:

• 5x points on all travel booked through Chase Travel
• 5x points on all Lyft purchases through March 31, 2025
• 5x points on Peloton equipment and accessory purchases over $150 through March 31, 2025
• 3x points on select streaming purchases
• 1x points on all other purchases

It even has a $50 annual credit on hotel stays booked through Chase Travel.

Other important benefits include a 25% redemption bonus when you book through Chase Travel, awesome travel insurance (including primary rental car coverage), and a unique 10% annual points bonus every anniversary !

For all these reasons, plus no foreign transaction fees and no added fees for authorized users, we’ve included it as one of the best credit cards for dining .

Why We Like Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards points are incredibly valuable. They’re worth 2 cents per point by our valuations, and you can redeem your points for cash-back, Amazon.com purchases, travel via Chase Travel, gift cards, or charitable donations. That means you can get a return on spending of around 6.2% when you earn 3x points with the 10% anniversary bonus!

But if you want to get the best value, transfer them to Chase’s airline and hotel partners to book award travel !

Hot Tip: If you are using a Chase credit card, check your Chase Offers to see if you’re eligible for additional restaurant discounts or cash-back.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• 5x points on airfare booked through Chase Travel SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases
• $300 annual travel credit
• Priority Pass airport lounge access
• TSA PreCheck, Global Entry, or NEXUS credit
• Access to Chase Luxury Hotel and Resort Collection
• Rental car elite status with National and Avis
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• APR: 22.49%-29.49% Variable
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While the Chase Sapphire Reserve card has a premium annual fee, it’s packed with equally premium benefits that bring great value to the frequent traveler. These include travel purchase credits, worldwide lounge access , earnings on travel purchases, and a generous welcome bonus offer.

But, to start, it earns Ultimate Rewards points at an impressive pace:

• 10x points on Chase Dining booked through Chase Travel (including prepaid reservations, takeout, and virtual cooking events)
• 3x points on all other dining (including takeout and delivery)

The Chase Sapphire Reserve card includes free membership to DoorDash DashPass, and there’s also a $5 monthly DoorDash credit available.

Furthermore, this iconic, ultra-premium credit card boasts additional earning categories:

• 10x points on car rentals and hotels booked through Chase Travel
• 5x points on air travel booked through Chase Travel

Outside of dining, benefits include up to $300 travel credit every anniversary year, a complimentary Priority Pass Select membership, a 50% bonus on redemptions made through Chase Travel and Pay Yourself Back , access to the Chase Luxury Hotel & Resort Collection , a $100 application fee credit for Global Entry, TSA PreCheck, or NEXUS , and the best travel insurance from a credit card. The card also has no foreign transaction fees.

Hot Tip: Holders of the Chase Sapphire Preferred card , Chase Sapphire Reserve card , Chase Freedom Flex℠ , or Ink Business cards receive access to the Chase Dining hub via Ultimate Rewards online.

An excellent cash-back card that offers rewards for categories like dining, entertainment, popular streaming services, and grocery stores. (Information collected independently. Not reviewed by Capital One.)

When it comes to rewards credit cards, you can break up most savvy consumers into 2 camps: those who prefer travel rewards and those who prefer cash-back.

Both options can be very lucrative to you and your wallet, especially if you’re using the right card. For those who fall in the “cash is king” camp, you’ll likely find the Capital One Savor card quite compelling.

• 10% cash-back on Uber and Uber Eats
• 8% cash-back on Capital One Entertainment
• 5% cash-back on hotels and rental cars booked through Capital One Travel
• 4% cash-back on dining, entertainment, and popular streaming services
• 3% cash-back at grocery stores
• 1% cash-back on all other purchases
• Complimentary Uber One membership through November 14, 2024
• Roadside assistance and rental car insurance
• Purchase protection/price protection/extended warranty
• No foreign transaction fees
• $95 annual fee
• This is strictly a cash-back card, so it features no travel rewards like other cards offer
• Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening
• Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
• Earn 8% cash back on Capital One Entertainment.
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn.
• APR: 20.74%-28.74% Variable
• Foreign Transaction Fees:
• Cash Back Credit Cards

The Capital One Savor card is a foodie’s delight because it offers fantastic cash-back rewards on a wide array of useful bonus categories .

To start off, it usually offers a decent welcome bonus offer. But the special feature of this card is that it earns a 10% cash-back on Uber Eats orders, an unlimited 4% cash-back on all dining purchases , and 3% cash-back at grocery stores.

It doesn’t end there — this card confers access to Capital One Dining , which is where you can make exclusive restaurant reservations and book culinary experiences curated by world-famous chefs. Cardholders are also eligible to enroll in a complimentary  Uber One  membership  through November 14, 2024.

For your other purchases, enjoy:

• 8% cash-back on Capital One Entertainment purchases
• 4% cash-back on all other entertainment purchases
• 4% cash-back on popular streaming services

There are no rewards more flexible than cash-back, so if you spend a lot on dining out, it helps to have the Capital One Savor card handy to pay the check.

This card also offers roadside assistance, secondary rental car coverage, travel accident insurance, and no foreign transaction fees. It also features purchase security and price protection, extended warranty, zero fraud liability, no additional fees for authorized users, and virtual card numbers from Eno.

Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.

The Citi Premier ® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!

• 3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
• Access to Citi transfer partners
• Annual hotel credit
• Earn 60,000 bonus ThankYou ® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou ® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 1 Point per $1 spent on all other purchases
• Annual Hotel Savings Benefit
• 60,000 ThankYou ® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases
• APR: 21.24% - 29.24% Variable

Citi ThankYou Rewards

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The Citi Premier card is Citi’s flagship rewards credit card, especially if you plan on spending significant amounts of money on food and travel.

This card earns 3x ThankYou Points per dollar spent on dining , putting it up there with some of the top earners for restaurant purchases. Its list of bonus categories is even much larger than that:

• 3x points on air travel
• 3x points at hotels
• 3x points at supermarkets
• 3x points on gas
• 1x points everywhere else

It also comes with a $100 annual hotel savings benefit for a single hotel stay of $500 or more (excluding taxes and fees) booked through thankyou.com , once per calendar year.

The Citi Premier card also has no foreign transaction fees, plus access to Citi Entertainment, alongside no additional annual fees for authorized users, contactless payments, and mobile payments.

Why We Like Earning Citi ThankYou Points

Citi ThankYou Points are worthwhile to collect — they’re worth around 1.6 cents per point, by our valuations. That means earning 5x ThankYou Points is equal to a return on spending of 4.8%.

These points can be used for cash-back, gift cards, bookings made through the Citi Travel Portal , and of course, for transfers to travel partners . Our favorite way to redeem your points is for luxury travel using transfer partners.

The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

The Wells Fargo Autograph℠ Card is an excellent no annual fee card that offers 3x points on 6 different bonus categories. Choose from multiple options when you’re ready to redeem your rewards, and take advantage of great perks including cell phone protection, auto rental collision damage waiver, and no foreign transaction fees.

• 3x points per $1 spent on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
• 1x points per $1 spent on other purchases
• No annual fee
• Flexible redemption options
• Cell phone protection
• Auto Rental Collision Damage Waiver
• Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized value
• Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
• Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature ®  Concierge.
• APR: 0% intro APR for 12 months from account opening on purchases, 20.24%, 25.24%, or 29.99% variable APR thereafter.
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One way that the Wells Fargo Autograph card stands out from the rest of the best personal cards for dining is that not only does it earn 3x points on all dining spend, but it also does not charge an annual fee — unlike all of the other cards mentioned thus far.

Plus, the card is a workhorse when it comes to earning points, as it offers 5 other bonus categories in addition to dining, including:

• Travel (including flights, hotels, car rentals, cruises, and more)
• Gas (including electric vehicle charging stations)
• Transit (including subways, ride-shares, parking, tolls, and more)
• Popular streaming services (including Apple TV+, Disney+, Hulu, Peacock, and more)
• Phone plans (including cell phone and landline providers)

The card also offers perks like roadside dispatch, auto rental collision damage waiver, cell phone insurance protection, and more.

Why We Like Earning Wells Fargo Rewards Points

Like many of the other rewards ecosystems mentioned, Wells Fargo Rewards are great because they offer multiple redemption options , including redeeming your points through the Wells Fargo travel portal for gift cards or as cash-back to offset purchases made with the card.

If you spend a lot on dining, it pays to find a card that rewards all of those purchases. Seek out cards that have dining category earnings of 4x points, 4% cash-back (or more!), or that earn flexible travel rewards to maximize your earnings at restaurants.

The 4 Best Business Cards for Restaurants and Dining

If you often eat at restaurants or make other dining purchases for your business, use the best business credit cards available.

In this next section, we’ll show you which business cards to use for restaurants and dining.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

The American Express ® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

• NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
• NEW!  U.S. purchases made from electronic goods retailers and software & cloud system providers
• NEW!  Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• U.S. purchases at gas stations
• U.S. purchases at restaurants, including takeout and delivery
• Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Purchase protection and extended warranty protection
• Trip delay insurance
• Car rental insurance
• Cell phone insurance
• $375 annual fee ( rates and fees )
• No elite travel benefits like airport lounge access or elite status
• Welcome Offer: Earn 70,000 Membership Rewards ® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards ® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards ® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply
• APR: 19.49% - 28.49% Variable
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Hot Tip:  Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The best business card for dining and restaurants is, without a doubt, the Amex Business Gold card . This card overshadows all of its competitors and peers because of its amazing rewards structure.

This card earns  4x Membership Rewards points on the top 2 categories in which your business spends the most every month  (up to $150,000 in combined purchases every calendar year):

• Purchases at U.S. media providers for advertising in select media (online, TV, radio)

If you happen to spend a lot of money at restaurants every year for your business, you can earn up to 600,000 Amex points by maxing out that 4x bonus points! That’s worth a whopping $13,000 or more!

The card also offers up to $240 back annually ($20 per month) on eligible purchases at FedEx , Grubhub , and office supply stores. Make sure to enroll first to use these benefits.

The Amex Business Gold card also has no preset spending limit , the ability to book stays through The Hotel Collection, travel insurance, purchase protection, extended warranty, no foreign transaction fees ( rates and fees ), and no annual fee for up to 99 employee cards after the first employee card with a $50 annual fee ( rates and fees ).

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business ® Plus Credit Card from American Express .

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees ).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• No annual fee and employee cards at no additional cost
• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status
• Charges foreign transaction fees
• Earn 15,000 Membership Rewards ® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X Membership Rewards ® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
• You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• No Annual Fee
• Terms Apply
• APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
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The Amex Blue Business Plus card is one of the absolute best cards for business owners who have relatively low expenses and want top-shelf rewards without a huge annual fee.

Specifically, this card earns 2x Membership Rewards points on everyday business purchases (up to $50,000 per calendar year). With this card, you won’t need to worry about any bonus categories — all purchases earn those sweet 2x points, which is equivalent to a 4.4% return on spending.

Other perks include a 0% introductory APR benefit, as well as access to Expanded Buying Power, access to Amex Offers , employee cards for no added fee, purchase protection, and extended warranty coverage ( rates and fees ).

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

The Ink Business Cash ® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee , and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

• Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
• Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
• 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• Travel insurance and purchase protection
• 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
• Employee cards at no additional cost
• Spending caps in bonus categories
• Low points earning outside of bonus categories
• 3% foreign transaction fees
• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards ® .
• 0% introductory APR for 12 months on purchases
• APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars
• Chase Ink Business Cash $900 Welcome Bonus Offer
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The Ink Business Cash card is an incredible card for the right business owner. To start off, this card boasts an impressive welcome bonus offer while having a $0 annual fee.

As it relates to dining, you can earn 2% cash-back on up to $25,000 in combined purchases every account anniversary year at restaurants and gas stations.

Also, you can earn 5% cash-back on up to $25,000 in combined purchases every account anniversary year at office supply stores and on cellular phone, landline, internet, and cable TV services.

But what makes this card special is that the cash-back rewards can actually be converted to Ultimate Rewards points if you also have an Ultimate Rewards credit card, such as the Chase Sapphire Preferred card or Chase Sapphire Reserve card.

That means you can convert your 5% or 2% cash-back to 5x and 2x Ultimate Rewards points, effectively making your return on spending catapult up to 10% and 4%, respectively.

To wrap up on this card, enjoy purchase protection, travel insurance, and no additional fees for employee cards.

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business ® American Express ® Card . The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.

• 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy ® program.
• 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
• 2x points per $1 on all other purchases
• 15 Elite Night Credits
• 1 Free Night Award each cardmember anniversary (up to 35,000 points)
• Complimentary Marriott Bonvoy Gold Elite Status
• Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy ® member & a Marriott Bonvoy Business ® American Express ® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
• No foreign transaction fees ( rates and fees )
• Moderate annual fee of $125 ( rates and fees )
• No premium perks like airport lounge access
• WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy ® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy ® . Certain hotels have resort fees. Terms apply.
• 2x points on all other eligible purchases.
• Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy ® points) at hotels participating in Marriott Bonvoy ® . Certain hotels have resort fees.
• Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business ® American Express ® Card.
• Terms apply.
• APR: 20.99% - 29.99% Variable
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The last business card for restaurants and dining that we’ll discuss is the Marriott Bonvoy Business card . This terrific business credit card is a perfect fit for business owners with loyalty to Marriott properties around the world.

This card often comes with a great welcome bonus offer, and it earns 4x Marriott Bonvoy points at restaurants worldwide. These earnings are uncapped, and you also earn up to 6x points on other purchases:

• 6x points at hotels participating in the Marriott Bonvoy program
• 4x points at restaurants worldwide , U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and U.S. purchases for shipping
• 2x points on all other purchases

The card even comes with 15 Elite Night Credits to get closer to Marriott Bonvoy status, complimentary Marriott Bonvoy Gold Elite status , a Free Night Award after each cardmember anniversary (up to 35,000 points), and no foreign transaction fees ( rates and fees ).

Why We Like Earning Marriott Bonvoy Points

Marriott Bonvoy points , according to our valuations, are worth around 0.7 cents each.

Of course, you can redeem Marriott Bonvoy points for hotel stays , but one of the best ways to get maximum value from Marriott Bonvoy points is by transferring them to airline partners for luxury award travel .

In particular, if you transfer points to airlines, you can get incredible value when booking flights like Emirates first class or Lufthansa first class .

According to the U.S. Bureau of Labor Statistics , the average U.S. household spends nearly $3,700 each year on food away from home. If you spend that or more, having a credit card that earns dining rewards is a smart move.

Dining rewards are just 1 earning category. Match your entire spending profile with the bonus categories that come with any credit card to make sure you’re maximizing the earning power of that specific credit card.

If dining out is your passion or your job, your bottom line will grow with a credit card in your wallet that rewards those expenses. Bon appétit!

For Capital One products listed on this page, some of the above benefits are provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the car rental collision damage coverage benefit of the American Express ® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance plan benefit of the American Express ® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the American Express ® Gold Card , eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of the American Express ® Gold Card , eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of The Blue Business ® Plus Credit Card from American Express, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The Blue Business ® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

The information regarding the Capital One Savor Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.  The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express ® Gold Card, click  here . For rates and fees of the American Express ® Business Gold Card, click here . For rates and fees of The Blue Business ® Plus Credit Card from American Express, click here . For rates and fees of the Marriott Bonvoy Business ® American Express ® Card, click here .

Frequently Asked Questions

How do dining rewards credit cards work.

Certain credit cards allow you to earn rewards such as cash-back or points for using the card to pay for meals at restaurants, fast food outlets, hotels, Uber Eats, bars, or for other dining purchases.

Each credit card will have its own requirements, level of earnings, and even limits on the amount of rewards you can earn. That’s why it’s important to select a card that matches your dining spending habits.

How do cash-back cards work?

Credit cards that offer cash-back on dining purchases return a percentage of your total purchase as a reward. For example, if you spend $100 at a restaurant and your cash-back credit card offers 3% cash-back on dining purchases, you receive $3 back.

Some cards automatically credit your statement monthly with the cash-back you’ve earned during the previous statement period or periods, while others require you to earn points and then request to redeem those points for cash-back on your statement or transfer the funds to your bank account.

Do bars and fast food places count as restaurants?

Yes, fast food establishments and bars count as restaurants when it comes to earning rewards for dining. You simply use your credit card as usual for dining at these places.

Occasionally, a cafe or food establishment within another facility, such as a sports arena or department store, may not code as a restaurant. It depends on how that food establishment is coded by the card issuer.

Also, some cards do have a separate category for fast food and restaurants, so check your card’s category requirements to determine the amount of rewards you’d earn when dining at each of these.

If I add an authorized user to my card, will they earn dining rewards, too?

The short answer is yes. When the authorized user on your credit card uses the card to pay for dining, rewards are earned on the card then subsequently credited to the primary cardholder’s account.

As a primary cardholder, your account earns all the rewards, but you’re also responsible for paying the account.

Are there credit cards that earn rewards on dining without an annual fee?

Yes, there are cards that do no not charge an annual fee yet earn rewards on dining. For example, the Citi Double Cash ® Card  earns 2% cash-back (1% when you make your charge and another 1% when you pay your charge, earned as ThankYou Points).

The Ink Business Cash card and Amex Blue Business Plus card, discussed further in our article, do not have an annual fee.

How does the Chase DoorDash DashPass benefit work?

Chase Sapphire Preferred card and Chase Sapphire Reserve cardholders (and their authorized users) can enroll in the DoorDash DashPass benefit on DoorDash’s website .

Once enrolled, you’re eligible for free delivery on orders of $12 or more and reduced service fees from participating DoorDash restaurants. Plus, the Chase Sapphire Reserve card offers $5 in DoorDash credits every month.

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Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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Where to Find Allergy Translation Cards for International Travel

If you have food allergies and you're planning to travel to a country where you don't speak the language, consider packing an allergy translation card to help you communicate with staff members at restaurants, cafes, and hotels.

An allergy translation card is a credit card-sized document that you can give to waiters, concierges, physicians, and other people who may be in a position to help you with food service needs while you're traveling abroad.

This article describes an allergy translation card, where to find them, and other tips while traveling when you have a food allergy.

What Is an Allergy Translation Card?

Allergy translation cards indicate your allergy needs in the language and dialect of the region you'll be traveling in. Typically, these cards will state that you're allergic to a particular type of food or ingredient.

There are also more elaborate allergy translation cards that may list ingredients and dishes that typically contain your allergen, and may list potential substitutes that a chef could use to prepare a meal without your allergen.

Allergy Translation Card Basics

A small cottage industry has sprung up in translation cards, with prices ranging from free to around $8 to $10. Here are some features to look for and issues to consider:

• Cards should indicate all of your dietary needs and should mention the possibility of cross-contamination. They ideally recommend that completely clean utensils, pans, and cutting boards be used for your food (since it will be difficult for you to clarify your needs with the kitchen, especially if the restaurant staff speaks a different language).
• Make sure you have at least two copies of your card (in case of loss or if you accidentally leave one in your hotel room). If you're flying through a country in which you're not fluent in the local language en route to your final destination, consider buying one for the language of your stopover city in case your flight is delayed, especially since these cards are inexpensive and portable.
• If you're ordering a card that needs to be delivered, order it early enough to check for completeness. Many cards can be ordered via PayPal or credit card and printed on your computer. Consider laminating the cards you print yourself or backing them with cardstock for durability.

Where to Find Allergy Translation Cards

Here are companies that offer allergy translation cards, along with some of the features of each. You'll find that most languages and diets are already represented by these companies, but if you don't see the language you need, Select Wisely offers custom translation services.

• Select Wisely offers cards in over 25 languages and for over 40 foods, including the eight most common food allergens, plus other relatively common allergens like MSG, alcohol, corn, rice, gluten , mushrooms, onions, and peas. Their cards are based on simplicity and brevity. It offers a "strongly worded" allergy card stating that your allergies are severe enough to require emergency services should you eat a trace of your allergen. The cost of the food allergy cards is $14.95. They can also create special orders for unusual languages or diets.
• Equal Eats offers cards in 49 languages for 13 allergies, multiple allergies, and nonfood allergies (such as latex, aspirin, and penicillin), as well as cards for over 10 special diets (such as halal, vegan, and diabetic). The company has a three-step process for creating the cards: professional translation, expert proofreading, and evaluation by a native speaker. The cost of these cards ranges from free to $15.49 for the print-from-home version.
• Food Allergy Card is a free app that creates your card to store on your smartphone and works offline. You can create a card for more than 40 languages and there are 14 food allergens to choose from. This app also has a vocal feature to communicate with the people in contact with your food.

Allergy translation cards are available in the languages spoken for most travel destinations. However, if your dietary needs can't be met by any of these companies, consider contacting the nearest major university or a local translation firm to inquire about hiring a professor, graduate student, or professional translator to create a custom translation card.

Tips for International Travel With Allergies

These tips can help ensure your safety when traveling internationally with food allergies:

• Before traveling, ask your healthcare provider and/or an allergy support group for recommendations for restaurants, hotels, activities, etc. in the countries you'll be traveling in.
• Ask your doctor to write extra prescriptions that you can carry with you. Learn their generic and brand names in the countries you’ll be visiting.
• Start planning early. Talk with someone at your hotel(s) who speaks English. With many Internet translation services available, email can also be an effective way to correspond leading up to your stay.
• Research whether any doctors in the area specialize in allergies. Find out if can write you a prescription for additional epinephrine auto-injectors or medications if you need them.
• Locate the hospital nearest to where you will be staying, just in case.
• Bring several copies of your food allergy translation card. Keep this document is with you at all times (along with your medications).
• Bring non-perishable food that is safe for you to eat. Dried pasta and allergen-free snack bars are good options. Don’t assume the same products manufactured in other countries will contain the same exact ingredients.
• The International Food Allergy & Anaphylaxis Alliance (IFAAA) has a  travel plan document  for international travelers. Use this resource as a complement to your food allergy translation card.

Allergy translation cards are key to avoiding allergic reactions (and potentially more serious symptoms that require medical attention) while traveling internationally. Allow plenty of time before traveling to obtain an allergy translation card, as well as other supplies and information to ensure your trip abroad is safe and enjoyable.

Food Allergy Research and Education. Tips for international travel .

• Food Allergy Research & Education. Traveling with Food Allergy fact sheet.

By Victoria Groce Victoria Groce is a medical writer living with celiac disease who specializes in writing about dietary management of food allergies.

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The Military Wallet

The Dos and Don’ts of Government Travel Charge Cards

Advertiser Disclosure: The Military Wallet and Three Creeks Media, LLC, its parent and affiliate companies, may receive compensation through advertising placements on The Military Wallet. For any rankings or lists on this site, The Military Wallet may receive compensation from the companies being ranked; however, this compensation does not affect how, where, and in what order products and companies appear in the rankings and lists. If a ranking or list has a company noted to be a “partner,” the indicated company is a corporate affiliate of The Military Wallet. No tables, rankings, or lists are fully comprehensive and do not include all companies or available products.

The Military Wallet and Three Creeks Media have partnered with CardRatings for our coverage of credit card products. The Military Wallet and CardRatings may receive a commission from card issuers.

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What is a Government Travel Charge Card?

Obtaining a government travel charge card, types of government travel charge cards, uses of a government travel card, the rules of a government travel card, how to responsibly use your government travel card, incorrect uses of a government travel card, resources and contacts.

You just received your first GTCC — the federal government’s version of a corporate travel credit card. But before your “ Wolf of Wall Street ” fantasies about perks and points come alive, it’s best to learn a bit more about how the GTCC program works, what’s expected of you as a cardholder, and how to use the card appropriately and legally.

Within this article, we explore the basics of the GTCC program at the Department of Defense, the different types of charge cards offered, and ways to obtain a card. Read on for some savvy tips on how to use (and how not to use) your government charge card so that you remain in control and out of trouble.

A GTCC is a commercial credit card offered to DoD personnel (both military and civilian) to pay for costs related to government-specific travel. For military members, this may include Permanent Change of Station moves and temporary duty assignments so that the service member doesn’t have to pay for work-related expenses out of pocket.

Currently, credit cards issued under the GTCC program are from the commercial partner, Citibank. However, the program itself is managed by DoD program coordinators within the Defense Travel Management Office (DTMO), who provide troubleshooting assistance to service members and federal employees. While Citibank issues GTCC credit card statements, DTMO set policy regarding GTCC use. It is the main agency that does so.

In general, military members will not have access to the GTCC program until it becomes a job requirement. Those who become eligible for holding a GTCC must first complete an online training course and then be invited to apply for the card through Citibank.

There are two main classifications for government charge cards: 

• Individually Billed Accounts (IBAs) 
• Centrally Billed Accounts (CBAs)

Individually Billed Accounts (IBAs)

Individually Billed Accounts are issued to service members for travel and travel-related expenses. With these types of cards, the service member is responsible for settling the account. 

According to the DoD , the Standard card options within this category are typically issued to those with a 660 or higher credit score. They have a credit limit of $7,500. 

In contrast, the Restricted card option is issued to those with lower credit scores (500-659) and has a lower credit limit of $4,000. Restricted government charge cards are closely monitored. They are sometimes deactivated during periods when travel has not been approved.

Centrally Billed Accounts (CBAs) 

Centrally Billed Accounts can also be used to pay for travel expenses. 

These cards are settled directly by the U.S. government (so the cardholder has fewer personal responsibilities). They have limited use. Unlike Individually Billed Accounts, where the service member is personally liable for card charges, Centrally Billed Accounts assume government liability.

Approved uses of a government travel charge card include, but are not exclusively:

• Meals (not including alcohol)
• Transportation (airfare, train, etc.)

For additional guidance on what constitutes “official travel,” see page 14 in the GTCC Regulations (2020) and the newly amended Joint Travel Regulations (2021) .

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Responsible use of your government charge card entails three main activities: 

• Ethical use of the card for official government travel expenses only;
• Timely and accurate reporting of charges (often with printed receipts);
• Timely payment of the card’s balance

The cardinal rule to follow: the government charge card is not to be treated as a personal card in any way. It should be used only for official travel . (Commuting to work or going on a family vacation do not constitute “official travel”). 

Following the travel event such as PCS or TDY , cardholders are expected to submit a “travel claims” report within five days of its conclusion in the Defense Travel System. This should include scanned receipts of individual charges as well as amounts, dates and descriptions. Foreign currency charges must be converted into U.S. dollars.

Additionally, cardholders with Individually Billed Accounts are responsible for ensuring that the government travel card is ultimately paid off. When entering trip report details in the Defense Travel System, cardholders are encouraged to use the split disbursement option to ensure that the service member is reimbursed for all out-of-pocket expenses and per-diem rates while the charges on the government credit card are settled in full.

Although it isn’t difficult to imagine the multitude of ways that service members can get into hot water for misuse of government travel cards, the most common missteps involve:

• Using the card for unofficial/non-approved travel or personal use
• Overspending
• Using the split disbursement feature incorrectly
• Failing to submit timely and/or accurate travel reports in DTS
• Failing to pay the card balance on time
• Including alcohol on receipts for DTS submission 

In addition to accruing late fees, which begin at 75 days past the due date, cardmembers can have their accounts suspended or terminated for improper use of a GTCC. For more serious offenses, service members may receive formal counseling, an Article 15, or even a court-martial . Therefore, it’s best to be on the safe side and remember the basics for proper GTCC etiquette:

• Use it only for official/approved government travel;
• Provide a timely and accurate report in DTS, using the split reimbursement option;
• Ensure that the GTCC is paid off in full by the due date

For more information on the DoD GTCC:

Citibank Customer Service: 1-800-200-7056 (or 757-852-9076 when calling collect)

GTCC Travel Assistance Center: 1-888-HELP1GO (1-888-435-7146)

Citi’s DoD Travel Card Webpage

Email of the DoD Travel Card Helpdesk

DoD GTCC Regulations (2020)

DoD Joint Travel Regulations (2021)

About Post Author

Meaghan Doherty Myers

Meaghan Doherty Myers is a freelance writer, specializing in military benefits, personal finance, and defense and security issues. She holds an M.A. in Strategic Studies and International Relations from the Johns Hopkins School of Advanced International Studies (SAIS) and recently graduated from the Russian language program at the Defense Language Institute in Monterey, CA. She is an Army spouse, a former ballet dancer, and a former management consultant who lives with her husband and daughter in Alexandria, VA.

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Carrying a "chef card" that outlines the foods you must avoid is a great way to communicate your food allergies to a chef or manager at restaurants.

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Translation cards for food & drug allergies, special diets and medical needs.

We provide cards. We provide translations. We provide knowledge. We specialize in food allergies, drug allergies, diet restrictions and medical emergency translations in more than 60 languages from Italian to Indonesian to Chinese to Japanese. See List of Languages . We serve travelers in over 20 countries and we can help you, too.

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Customer testimonials.

Your food allergy cards have set my mind at ease when ordering in restaurants in Europe. The first time I ordered and used your peanuts and shellfish food allergy and medicine allergy cards was 2010 when my husband and I traveled to Italy. I also used your food allergy cards in 2014 while vacationing in France, Germany and Switzerland and even brought my French translation cards with me when we traveled in Canada. Fortunately, I've never had to use the cards that explain my husband's penicillin allergy but I'm glad I travel with them. I'm happy I ordered new cards for my trip this spring to countries in Eastern Europe. I love that your allergy cards are sturdy, plastic and fit nicely in my wallet. …

- Ellie in Michigan

I want to send you some feedback and thanks! We had a business/vacation trip to Germany in April, with our 2 year old who has peanut allergies. While we attempted to speak German when possible (we really don't know it), the food allergy cards were very handy. When the waiters didn't understand our German, we gave them the chef card and they easily helped us determine any peanut issues. Your cards allowed me to relax and feel confident that my child was eating safe foods in a country where I didn't know the language. Thanks so much!! …

- Tracie in North Carolina

Just wanted to let you know your food allergy translation cards were great for travelling in Hong Kong and Thailand. With a severe MSG food allergy (plus other food allergies) I wondered about the wisdom of travelling to Asia, but I had two weeks away and not one food problem. The great benefit was being able to tell the waiter to show the chef the food allergy card. Often the waiter would say, "Can do - without" But I would insist they show the chef the card, then the waiter would come back with a different story. They were then very concerned and kept checking that I would only eat from the 'safe' dishes. …

- Judy in Sydney, Australia

We wanted to let you know how grateful we were to have my husband's food allergies translated into Spanish and Italian. We used your Italian food allergy cards constantly on our trip, as there were numerous occasion when English was not spoken. They were also a tremendous 'ice-breaker'... in one friendly Italian restaurant, the waiter (after he read all of the allergies) threw up his hands, said 'vino' and brought a bottle of wine saying that's all he could have! …

- Cathy in Ottawa, Canada

Not sure if you remember me, but I had ordered Japanese food allergy cards while still in Ohio. We have been in Japan since early Feb. and you had asked if I would let you know how the cards are working…..I have to tell you that they have been a SERIOUS benefit to us here!!! I carry them everywhere and am able to not only use them in restaurants, but also when shopping at an off-base grocery. Even on-base, there are many Japanese who work the restaurants and their English is not very good at times. The quality of the food allergy cards is excellent and we are so thankful to have them. Thanks for putting out such an awesome product!!! …

- Lucie in Japan

I have dealt with you in the past and wanted to let you know that your gluten free translation cards are fantastic! We were in a busy street in the middle of Istanbul and wanted to have lunch on our way to visit Topkapi. I showed your gluten free card and ended up being shown by the owner by way of pointing what I could and could not have. When my meal came, it looked so good our friends ordered the same lunch. It also worked in Rhodes, Greece as the owner advised me they put flour in their rice which is most unusual for me. Thanks to your cards we are able to travel wherever we wish and have absolutely no problem with my gluten free diet. In fact, I feel that we are given superior treatment as the owner normally becomes involved and the cards are taken directly to the chef to confirm that the food is all right for me. I have told many people of your business and I hope they are using it to their advantage as I do. …

- Anne in Ontario, Canada

My recent trip to Italy was a great success thanks to your Italian Strongly Worded food allergy card on peanut/peanut oil. The very first day I used it, the waiter told me that when he showed the card to the chef, the chef told him that I could not eat their pizza because peanut oil is used in the dough. That came as quite a surprise as I had never heard of using peanut oil in dough, but it shows how invaluable the food allergy card is. The cards also proved useful when ordering gelato because of possible cross contamination. The gelato store manager stated that I was safe eating only the fruited gelatos. I highly recommend the use of these life-saving food allergy cards when traveling to any foreign country. …

- Kathy in Virginia

Throughout my life, my severe food allergy to nuts have made me fearful to travel, particularly in countries where I don't speak the language. After reading my food allergy cards the waitstaff always went out of their way to make sure that all of my food was cooked and served without any contact with any of the foods that I am allergic to. We were still, of course, cautious when eating--we stayed away from food stalls and buffets, and we were always insistent that the waiter show the food allergy card to the cook. The cards proved to be one of the best purchases I have ever made. …

- Marcia in Korea

I have just returned from trip to Vietnam and would like to express my upmost gratitude. When showing your food allergy cards at restaurants, the waitstaff spent a lot of time studying the cards. Often they would consult the chef but surprised me was the limited food I could eat. I realized how much fish and shellfish are in dishes that you would least expect - especially in Asian cuisine. If I did not have the food allergy cards with me, I am not sure what would have honestly happened so I am really thankful. …

- Alex in Melbourne

I have returned from my trip to Bangkok. The strongly worded food allergy cards were amazing. First, I asked the waiter if peanuts or peanut oil were used in their recipes. They usually said no. When I showed the waiters the strongly worded card, they paused, went to check with the cook and/or manager, and usually suggested a particular meal to eat. At most Thai restaurants I stuck with dessert. One restaurant was extremely accommodating, cooking my food from scratch with freshly washed pots and utensils. The SelectWisely cards were a life-saver! …

- Michelle in Georgia

My 12 year old son has gone on 2 school international tours using your food allergy cards. 5 different countries with no allergen exposures. Parents do not travel with the school so having the allergy cards is a great worry reducer. …

- Susan in California

Just to let you know that the cards I ordered in March were amazing. I had my son's food allergies to milk, eggs and nuts translated into Thai by you. We used them everywhere we went and couldn't have survived without them. The staff in the resort in Phuket took the cards to the kitchen and managed to provide safe meals for my son. We did have an incident at breakfast and we think the Special K cereal may have been cross contaminated with nuts. My son had a severe anaphylactic allergy reaction so we used your Emergency card to get us to the hospital. The hotel staff got us a taxi immediately, the taxi driver read the Emergency card and got us to the hospital very quickly. The doctors read the food allergy cards and understood what was going on. They treated him instantly. In summary your food allergy cards and emergency cards were a life-saver for us. Thank you very much. It is a great service you provide. …

- Jenny in Australia

I just wanted to tell you that the food allergy cards that we ordered worked just great. Everywhere that we went my husband would just show them his card and they took it to the person in charge and they checked to make sure that there was not any cottonseed oil in the products. It seems that Germany does not even use cottonseed oil but my husband said the cards were worth their weight in gold to him. So you see, you have a very good product that you are selling. I am sure it will help many other people in the same situation. You can use this letter as a testimonial if you like. We are very grateful to you. Again, thank you. …

- Peg, Ohio

I have been using your food allergy cards for at least 8 years and am a huge fan. Thank you so much for allowing me to follow my husband on expat assignments to Germany and now China and still be able to eat out and travel extensively. I have bought new cards because I have developed new food allergies but also have purchased them for my daughters and recommended them to MANY expats in both countries - including my nephew who is here in China as well with an allergic son. These food allergy cards give me a great deal of confidence when eating out and the Chinese here in Shanghai have been very attentive to my dietary concerns. Thanks, again! …

- Barbara, Shanghai

My daughter did great in China with her food choices. She enjoyed the most freedom she has ever experienced eating out in restaurants. Dairy is used very infrequently in Chinese cooking; however, when needed, the food allergy cards were of great help. The Chinese were very intrigued with the cards. Several people commented that the translations were very accurate and precise! Thank you so much for providing this service; it is well needed and very useful! …

- Lois, Atlanta

You have made my day! Your food allergy cards in Russian arrived in this morning's mail. Yes, in England we get mail on a Saturday and I couldn't be happier about the envelope from your organisation that dropped through my door this morning. The cards are perfect: clear, concise, informative and easy to read. I've had cards in other languages from other places which aren't nearly as good and don't give the kind of no-nonsense information with translations underneath so the person with the card knows exactly what message they are giving. …

- Alison, Kent, England

I’m going to England as part of my university study abroad program. I am taking your multi-language food allergy card with me since I expect to travel around Europe while I’m there. A great service for the food-allergy sufferers like me. …

- David, New York

I’m back from Japan and wanted to let you know that your Japanese food allergy card made a tremendous difference! I was able to get very good meals customized to my food requirements. Thanks to you, I did not have a single food related reaction during my entire trip. I really appreciate your extra efforts with the translation and timing. Thanks again! …

- Blanche, Pennsylvania

Our entire family thanks you for your food allergy translation cards! We ordered some in Italian, French and Spanish due to our son's severe peanut and tree nut allergies. On our first night in Rome we handed one to our waiter, who promptly took it back to the chef who said they would make him something special since they did indeed use peanut oil in their kitchen. That was one of many situations when those cards came in very handy, since we aren't fluent in any of the languages. Your cards were an immense help to us. …

- Louise, Connecticut

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Low-income College Students Enrolled in Career and Technical Education Programs

College students in Michigan are now eligible for SNAP if they meet income and other program requirements and are enrolled at least half-time in an occupational program that leads to employment under the Strengthening Career and Technical Education for the Twenty-First Century Act of 2018 known as Perkins V.   

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For information about Perkins Postsecondary Career and Technical Education, visit Michigan.gov/LEO-Perkins .

Learn More About Food Assistance

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Wrap meal imageThe Restaurant Meal Program provides certain individuals who receive food assistance program benefits (FAP) with the ability to use their Michigan Bridge card to purchase prepared food from participating restaurants.

Skip the lounge and get free food: Use your Priority Pass at 37 US airport restaurants

This post has been updated with information that the Chase Sapphire Reserve will lose Priority Pass restaurant access from July 1, 2024.

Priority Pass is most well known for its network of airport lounges . But Priority Pass also includes some non-lounge experiences, including restaurants. These restaurants let eligible Priority Pass members enjoy sit-down dining experiences at select airports as part of their membership.

The list of U.S. restaurants participating in Priority Pass changes somewhat frequently. Currently, there are 37 Priority Pass restaurants at 25 U.S. airports.

Here's what you need to know about using the Priority Pass restaurant benefit in the U.S., including eligible restaurants and how to know whether your Priority Pass membership offers access to restaurants.

Priority Pass restaurants in the US

Here's a list of all U.S. airport restaurants that are part of the Priority Pass program when we most recently updated this article:

• Baltimore/Washington International Thurgood Marshall Airport (BWI) : Harbor Grille in Concourse C
• Bill and Hillary Clinton National Airport (LIT) : Chili's Grill & Bar
• Boston Logan International Airport (BOS) : Stephanie's in Terminal B, Davio's Northern Italian Steakhouse in Terminal C and Stephanie's in Terminal E
• Cleveland Hopkins International Airport (CLE) : Bar Symon in Concourse C
• Denver International Airport (DEN) : Mercantile Dining and Provision in Concourse A and SweetWater Mountain Taphouse in Concourse B
• Dallas Fort Worth International Airport (DFW) : Drew Pearson's Sport 88 in Terminal E
• Detroit Metropolitan Wayne County Airport (DTW) : Anita's Kitchen in Warren C. Evans Terminal
• Dulles International Airport (IAD) : Chef Geoff's in Concourse C
• Fort Lauderdale-Hollywood International Airport (FLL) : Kafe Kalik in Terminal 4
• George Bush Intercontinental Airport (IAH) : Cadillac Mexican Kitchen & Tequila Bar in Terminal A and Landry's Seafood in Terminal C
• Hartsfield-Jackson Atlanta International Airport (ATL) : Samuel Adams Brew House in Concourse B
• Indianapolis International Airport (IND) : The Fan Zone in Concourse B
• John F. Kennedy International Airport (JFK) : Bobby Van's Steakhouse in Terminal 8
• Miami International Airport (MIA) : Corona Beach House in North Terminal Concourse D
• Nashville International Airport (BNA) : 400 Degrees Hot Chicken in Concourse C
• Portland International Airport (PDX) : Westward Whiskey in Concourse C, Capers Cafe Le Bar in Concourse C and Capers Market in Concourse D
• Rhode Island T. F. Green International Airport (PVD) : Providence Provisions Kitchen & Bar in the North Concourse
• Ronald Reagan Washington National Airport (DCA) : Bracket Room in Terminal 2 and American Tap Room in Terminal 2
• San Diego International Airport (SAN) : PGA Tour Grill in Terminal 2
• San Francisco International Airport (SFO) : Mustards Bar & Grill in International Terminal G, Lark Creek Grill in Terminal 2, San Francisco Giants Clubhouse in Terminal 3 and Yankee Pier in Terminal 3
• Seattle-Tacoma International Airport (SEA) : Brewtop Social in Central Terminal, Ninth & Pike Artisan Kitchen in Concourse C and Bambuza in North Satellite
• St. Louis Lambert International Airport (STL) : The Pasta House & Schlafly Beer in Terminal 2
• Syracuse Hancock International Airport (SYR) : Johnny Rockets in North Terminal B
• Tampa International Airport (TPA) : The Cafe by Mise en Place in Airside F
• Tucson International Airport (TUS) : Barrio Brewery Co. on the second floor, landside

There are also restaurants at airports outside the U.S. that participate in Priority Pass. And there are non-lounge airport experiences that you can access with Priority Pass, including:

• An hour in a private room at select Minute Suites locations
• Use of a game station for one hour (and a snack and a bottle of water or soft drink) at select Gameway locations
• Select treatments at participating Be Relax Spa locations
• Discounts with select airport merchants through retail offers

In short, checking your options on the Priority Pass website is always a good idea before heading to the airport.

Related: Which cards offer Priority Pass restaurant access?

How to get Priority Pass restaurant access

You need an eligible Priority Pass membership to get free food or drinks at participating Priority Pass restaurants. You could purchase a Priority Pass membership, but several premium cards offer Priority Pass membership as a complimentary cardholder perk.

However, you don't get complimentary access to non-lounge airport experiences such as restaurants and spa treatments if your Priority Pass membership is through an American Express card. Effective Jan. 1, most Capital One cardholders also lost complimentary access to Priority Pass restaurants and other non-lounge airport experiences.

However, Priority Pass memberships provided as a perk by other credit card companies, such as Chase and Citi, continue to offer access to most non-lounge Priority Pass experiences. The top currently available picks for cards that offer Priority Pass Select membership that includes restaurant access and other non-lounge airport experiences are the Chase Sapphire Reserve (ending June 30 ), UBS Visa Infinite Credit Card and Capital One Venture X Business .

The information for the UBS Visa Infinite has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Maximize Priority Pass benefits by labeling your cards

How to use the Priority Pass restaurant benefit

Once you have a card offering Priority Pass membership as a perk, enroll in Priority Pass if your issuer doesn't automatically enroll you. Once enrolled, you'll get digital access and a physical Priority Pass card in the mail. Once you get your physical Priority Pass card, put it in your carry-on bag or travel wallet since some Priority Pass lounges and restaurants don't accept digital cards.

Related: Add your Priority Pass membership card to your digital wallet

When you arrive at a participating airport restaurant, mention to the greeter or host that you plan to use your Priority Pass membership for your meal. You'll find out at this point whether the restaurant is still participating in Priority Pass and, if so, whether it currently accepts Priority Pass members. After all, many of the Priority Pass restaurant pages note the following:

Please note that the restaurant may exceed their seating limit at certain times of the day & access to the restaurant is at their sole discretion.

You'll likely be entitled to a dining credit for the cardholder and at least one guest. But check the terms of your card's Priority Pass benefit and the restaurant's rules. For example, the Cadillac Mexican Kitchen & Tequila Bar in Houston limits the number of guests you can claim to one.

The dining credit amount varies by restaurant, although most offer members a credit of $28 to $30 per guest for food and drinks. Check the restaurant's Priority Pass page for all the relevant details. Most Priority Pass restaurants prohibit to-go and grab-and-go orders; some may even prohibit taking leftovers. You won't get a refund if you don't use your entire credit.

Related: Is a Priority Pass lounge membership actually worth it?

Frequently asked questions about Priority Pass restaurants

Here are some of the most common questions about Priority Pass restaurants.

How many times can you visit Priority Pass restaurants within a day?

If you're traveling through an airport with multiple restaurants that participate in the Priority Pass program , you can visit all the restaurants if time (and stomach space) permits.

However, some Priority Pass restaurants only allow travelers with an outbound boarding pass. So, you might be unable to stop by a Priority Pass restaurant if you just landed at your final destination.

Does Chase Sapphire Reserve Priority Pass include restaurants?

Yes, the complimentary Priority Pass Select membership available to Chase Sapphire Reserve cardholders includes airport lounges, restaurants, cafes and markets, although the restaurant benefit ends June 30 .

Chase Sapphire Reserve primary cardholders and authorized users can enroll in a complimentary Priority Pass Select membership. These members can bring up to two guests per visit at no extra charge, although some Priority Pass restaurants may allow fewer guests.

Related: Is the Chase Sapphire Reserve worth the annual fee?

Do you tip at Priority Pass restaurants?

When using your Priority Pass benefit at a restaurant, tip as you normally would on the full amount of your bill. At most restaurants — Corona Beach House in Miami is an exception that automatically adds 18% gratuity to your bill — you can't use your Priority Pass credit toward gratuity.

Even if your Priority Pass credit completely covers your bill, some restaurants may be willing to charge a minimal amount to your card (like $0.01) so you can add a tip to that charge. However, it's best to also have some cash on hand in case you need to leave a cash tip.

Related: The best Priority Pass lounges in the US

Bottom line

If you enjoy eating at an airport restaurant before your flight or during layovers, check the list of airports with Priority Pass restaurants above.

If you frequently originate at or connect through one or more of these airports, it may be worth getting a card that provides Priority Pass restaurant access. You'll want to avoid American Express cards and most Capital One cards, but one excellent option is the Chase Sapphire Reserve . Check out our Chase Sapphire Reserve review for more details about the card and its benefits.

Food and Home Card

Extra money for everyday costs.

The Food & Home card makes it easy to save. Each month, you get a set amount of money to help you pay for food, utility bills, mortgage, or rent.

View card balance

Check if you get the Food & Home card

Visit your member portal or check your plan documents to find out:

• If your plan includes the Food & Home card
• The amount you get
• If you get the card automatically or only with a qualifying health condition

Use the card for routine expenses

You can use your Food & Home card to pay for: 

• Healthy foods 
• Utility bills, like your home's gas or electric bill
• Mortgage or rent 

Choose to spend your money all at once or throughout the month. Either way, be sure to use the full amount — you can’t roll over unused money to the next month. We automatically refill your card on the first of each month, so make sure you don’t throw it away!

How to get started

If your plan automatically includes the card, you’ll get it in the mail.

If your plan requires that you qualify for the card, do one of the following:

• Complete the qualification form online
• Text FOODCARD to 866-85
• Call us at 1-800-338-6833 (TTY 711)

Once you get your card, follow the instructions it comes with to activate it.

How to buy food

• Shop at participating grocery stores , online at Healthy Benefits , or with the Healthy Benefits+ app ( iPhone | Android )
• Choose foods like fruits, veggies, fish, meat, eggs, and more
• Ask the cashier to scan the barcode on the back of your Food & Home card or in the Healthy Benefits+ app

You can only use your card at participating stores — not at convenience stores, restaurants (including fast food), or gas stations.

How to pay utility bills, mortgage, or rent

You have 2 ways to pay: 

• If your service provider accepts Visa, you can use your 16-digit card number like a credit or debit card and pay them directly. Payment will go through right away.
• If your service provider is set up with Healthy Benefits, you can pay online with Healthy Benefits . Payment may take up to 7 days, so pay at least a week before the due date.

A few important notes:

• If the bill is more than your benefit amount, send the rest of your payment directly to your service provider
• If there’s a processing fee when you pay, we'll use part of your monthly benefit to cover it
• If your service provider doesn’t accept Visa and isn't set up with Healthy Benefits, you may not be able to use your benefit to pay them
• You can use your card for mortgage or rent only if your bank or landlord can accept Food & Home card payment

Common questions

How much money do i get each month.

Visit your member portal or check your plan documents .

Can I use the benefit before my card arrives?

Yes! Call us at 1-800-338-6833 (TTY 711) and we’ll give you your card number. You can then use your benefit online with Healthy Benefits or through the Healthy Benefits+ app ( iPhone | Android ).

Do I need a PIN?

Nope, just give the card to the cashier and ask them to scan the barcode on the back. If you’re ever asked to enter a PIN, it’s the last 4 digits of the card number.

Do I need to spend the full amount all at once?

Nope. You can spend it however you want throughout the month, but be sure to spend it all — you can’t roll over unused money to the next month.

How do I check my balance?

Visit your member portal or call 1-800-DEVOTED.

Will I get a new card each month?

No, so be sure to hold onto your card. We automatically add more money to it on the first of each month.

Do I have to use the card to pay?

You’ll need to use either the physical card or the digital card in the Healthy Benefits+ app. Or you can place your order online with Healthy Benefits and they’ll already have your card information.

Are there any limits on what foods I can buy? 

You can buy any foods you choose, but we recommend sticking with items like: 

• Fruits and vegetables
• Fish and lean meats
• Eggs, cheese, milk, and other dairy products
• Whole grains, like whole wheat bread and brown rice
• Nuts, seeds, and spreads
• Olive oil and other plant-based oils
• Supplemental drinks like Boost® and Ensure®

You can’t use your card for certain items, including alcohol, baby formula, pet food, or household goods like paper towels. 

What utility bills can I pay?

You can pay most common bills like natural gas, electric, water, sewer, garbage, internet, cable, and cell phone. You can not use your card on prepaid phone service, firewood, pellet fuel, or gasoline for your car. 

Can I pay bills for other people?

No, you can only pay bills for yourself.

Still have questions?

Text us at 866-85 or call us at 1-800-338-6833 (TTY 711).

You can also download the HealthyBenefits+ mobile app in the Apple Store (for iPhones) or the Google Play Store (for Android phones).

This is how you visit Bangkok on a budget

Apr 20, 2024 • 7 min read

Bangkok's excellent street food and markets are a great way to eat well on a budget © Witthaya Prasongsin / Getty Images

Bangkok has an enduring allure to global visitors that never seems to get old or go out of style – it continues to fight for its spot on lists of the world's most visited cities.

From hallowed monasteries to all-night techno clubs, street noodles to Michelin-starred tasting menus, and lush public parks to gritty urban train loops, Thailand's capital will leave you dizzy with options and a never-ending list of reasons to return.

That admirable versatility creates an extreme range of costs, reflecting differing income levels and social strata amongst both locals and international visitors. The City of Angels can be a gift to budget travelers if you know where to cut corners but costs can quickly spiral if you go off script. Here are all the insider tips you need to ensure your trip to Bangkok doesn't break the bank.

Daily Costs in Bangkok

• Hostel dorm bed: 250-400B
• Basic room for two: 800-1500B
• Self-catering apartment (including Airbnb): 800-2500B
• MRT subway ticket: 15-40B
• City bus: 8-25B
• Canal boat: 8-20B
• Motorcycle taxi: 15-100B
• Car taxi: 45-200B
• Coffee: 30-120B
• Local Thai dinner of four dishes for two: 350-500B
• Bottle of domestic beer in a shop: 41-55B
• Bottle of domestic/imported beer at a bar or restaurant: 150-250B/200-270B
• Glass of wine in a bar or restaurant: 150-300B

Average daily cost: 1800-2800B

Time your visit well

For maximum savings, avoid travel during peak season if at all possible. High season in Bangkok extends from mid-November to early March, when hotels, hostels and guesthouses enjoy high occupancy and charge full rates. It gets even more expensive the week before Christmas through the week after New Year's – some accommodation providers add temporary surcharges of 25 to 35 percent to their peak season rates.

Room rates tend to run significantly lower at other times of the year, with the best deals typically offered in June, July, September and October. Find out more about big events in Bangkok and what you can expect each season in our insider guide to the best times to visit .

Choose local budget airlines

Two airlines based in Thailand – Nok Air and Thai AirAsia – almost always offer lower domestic fares than those posted by national carrier Thai Airways and boutique-marketed Bangkok Airways. It also pays to travel lightly – eligible carry-ons can be taken aboard for free, while checked luggage costs 300B and up for 15kg (Thai AirAsia) or 20 kg (Nok Air). If you can't resist traveling without your home comforts, book your checked baggage in advance to save cash. Start planning early to nab the cheapest fares and choose off-season bargains to save big and stretch your budget.

Opt for a cold beer over cocktails

Wine and spirits, whether imported or produced in Thailand, are subject to high taxes – as much as 400% for imported wine. Just one bottle of wine can double or triple your restaurant tab – a night out in Bangkok that focuses on cocktails and cabernet can often cost the same as one in a European or US city. Beer, which is subject to a much lower tax rate, will bring your restaurant and bar bills down to more affordable levels.

Domestic beers such as Singha, Chang and Leo cost about 30-40% less than imported beers. International brands that are brewed in Thailand under license, such as Heineken San Miguel and Tiger, are priced in between domestic and imported beers. Thai craft beers, including such well-known brands as Chalawan, Chatri and Busaba, aren’t actually brewed in Thailand but in neighboring countries Cambodia and Vietnam, as well as in Australia; they tend to be priced similarly to imported beers.

Eat like a local

The dining scene in Bangkok has exploded over the last decade. Enterprising chefs from all over the world, along with practically every global culinary franchise, have moved in with a vengeance. At last count the city boasted 30 Michelin-starred chefs, elevating Bangkok to world-class levels for fine dining. Although these tasty delights are wonderful for a big occasional blowout, they're not a nightly option for those visiting on a budget.

Luckily, Bangkok is known for its incredible street food culture and the streets are where you'll find the best bargains. It’s also where you’ll find the most authentically Thai and Thai-Chinese cuisine, arguably representing the real heart and soul of the city. Bangkok street food includes not only umbrella-shaded carts parked at the edge of the road or on footpaths but also one-room eateries in modest shophouses throughout the city.

You'll find the pick of such culinary gems in Talat Noi, Chinatown, Suan Phlu, Phra Nakhon and Banglamphu and also in lesser numbers sprinkled about every precinct of the city. Multiple-course, family-style meals are very affordable; for tighter budgets, stick to one-plate dishes where rice is included in the order.

Embrace public transport

Taxi fares are relatively low compared to many other major global cities, but they can still eat up your daily budget quickly. The BTS Skytrain and MRT subway lines are much better budget options than taxis and you won't waste time sitting in traffic jams. The networks are quite extensive and you can reach just about any corner of the city using one or the other.

Travel cards are available for both modes of transport, but there are no discounts available and you’ll have to pay a deposit for the card. For short visits, it’s better to buy separate tickets at the station. MRT offers a 50% discount for seniors (over 60 years of age) for all fares, and you don’t have to be a Thai citizen to take advantage of the discount – just show your passport at the ticket window. A 50% discount is also available on MRT for children who are under 120cm (3.9ft) tall and aged under 14. BTS doesn’t offer senior or child fares for foreigners.

City bus fares are even cheaper than rail or subway fares, but the huge network (with over 500 separate routes) is complicated and the buses tend to be slow and relatively uncomfortable. Canal boat lines are similarly cheap but much easier to figure out. Boats run frequently in daylight hours along Khlong Saen Saep across the city from west to east, and they’re especially useful for passengers visiting attractions along the lengthy Sukhumvit Road. Hop on a motorcycle taxi from the canal jetties to get there quickly.

The Chao Phraya River Express line operates passenger boats up and down the Chao Phraya River, stopping at piers on both sides along the way for fares of between 14 to 33B. There's also a Chao Phraya Tourist Boat hop-on-hop-off service that departs every 30 minutes from 11 piers between Sathorn Pier and Phra Arthit Pier. A ticket costs 150B and includes unlimited stops along the route for one day, running from Sathorn to Phra Arthit between 9am and 7:15pm and from Phra Arthit to Sathorn between 8am and 6:30pm.

Stay outside the tourist hub

Generally speaking, restaurants and accommodations along or near Sukhumvit Rd from Soi 1 and as far east as Soi 65 tend to be more expensive than elsewhere in the city. The concentration of bars, nightclubs, restaurants, speakeasies, and massage shops in this district is significantly higher here than in any other area in Bangkok but you'll pay for the privilege.

Go beyond the tourist hub to find bargains in Talat Noi, Chinatown and Phra Nakhon (sometimes referred to as Old Town), three contiguous neighborhoods extending from Charoen Krung Rd parallel to the Chao Phraya River and then north to the Grand Palace and Wat Phra Kaew. Amidst the most historic buildings and temples in the city, there are dozens of budget hostels and guesthouses, along with small eateries and street vendors offering some of the best and most authentic Thai and Chinese cooking in the city. All for less than half the price you'd pay around Sukhumvit Rd.

The districts around Sathon and Silom Rds are a little more expensive than their Old Town neighbors but tend to be more colorful, culturally engaging and affordable than the Sukhumvit area. Towards the north end of the city, the Ari neighborhood is similarly mid-level when it comes to budget but has a more authentic Thai community vibe.

Save on sightseeing with a GetYourGuide City Card

GetYourGuide City Cards offer an all-inclusive pass good for 30+ attractions for two to five days, starting from 4500B. The card includes walking and bike tours, river cruises, cooking classes, massages, pub crawls, and a few museum entries, but not temple entry fees. Make a shortlist of your must-visit highlights to ensure you get maximum bang for your baht before booking. Why not start with our favorite 17 things to do in Bangkok ?

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