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Whether you’re playing the field or seeing someone exclusively, dating can be an important aspect of your social life. Going on dates gives you an opportunity to meet new people, deepen an existing relationship, or just have some fun (hopefully).
Unfortunately, dating can do a number on your wallet. Some credit cards are perfect for romance, as they earn you rewards on common date destinations.
Here are two credit cards for your dating life.
Capital One SavorOne Cash Rewards Credit Card
Rewards:Â 3% cash back on dining purchases and entertainment, 2% cash back at grocery stores, and 1% cash back on other purchases.
Sign-Up Bonus: $150 bonus cash if you spend $500 in the first three months.
Annual Fee: $0
APR: 0% APR for 15 months on purchases and balance transfers, then APR.
Why We Picked It: If you tend to go out for meals or spend a lot on entertainment, this card can help you rack up rewards pretty quickly.
For Dating: Your dining and entertainment purchases earn 3% cash back, reducing your restaurant bills. You’ll also earn 2% cash back at grocery stores, which could come in handy if your relationship goes to the next level and you start cooking for your date at home.
Drawbacks: If you aren’t looking for cash back, this card isn’t a good fit.
Chase Sapphire Preferred® Card
Rewards: Two points per dollar spent on travel and dining and one point per dollar spent on other purchases.
Signup Bonus: 60,000 bonus points if you spend $4,000 in the first three months.
Annual Fee:
APR: .
Why We Picked It: This card is perfect for travelers and diners alike.
For Dating: Your dining and travel purchases earn double points on the dollar. Points can be redeemed for many things, but travel redemptions offer the best value. If you’ve found the perfect travel soul mate, this card is a great fit.
Drawbacks: There’s a $95 annual fee.
How to Choose a Credit Card for Dating
If dates make up a good chunk of your monthly expenses, a credit card for dating rewards might be a great choice. Make sure to pick a card that rewards the types of purchases you tend to make; dining rewards won’t be a good fit if you tend to avoid restaurants.
Choose a card that earns rewards you’ll actually use. Miles and points are great for frequent travelers and gift card redemptions, but a cash back card might be a better fit if you’re looking to reduce your monthly bill.
Before you apply for a card, check for a competitive APR and fee structure. Excessive interest or fees can reduce the value of your rewards.
What Credit is Required for a Card for Dating?
Cards with great rewards frequently require good to excellent credit. The hard inquiry stemming from a credit card application can ding your credit score a few points, so you should only apply if you’re confident you will be approved. You can check your credit score for free at Credit.com.
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At publishing time, the Citi Double Cash Card – 18 month BT offer, Citi ThankYou Preferred, Capital One SavorOne Card, and the Chase Sapphire Preferred card are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved, or otherwise endorsed by the issuer(s).
Note: It’s important to remember that interest rates, fees, and terms for credit cards, loans, and other financial products frequently change. As a result, rates, fees, and terms for credit cards, loans, and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees, and terms with credit card issuers, banks, or other financial institutions directly.
Image: iStock
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