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Review: Capital One® Premier Dining Rewards Credit Card

Please note: This card has been discontinued, and it is not available on our site.

Discontinued product

This card has been discontinued, and it is not available on our site. Compare other credit cards or take Finder's credit card quiz to find one that fits your needs.
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Julia Cameron
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How do I apply for the Capital One® Premier Dining Rewards Credit Card?

Visit the Capital One® Premier Dining Rewards Credit Card page and click “Apply Now.” You’ll need to provide details that include:

  • Your full name, date of birth and Social Security number.
  • Your residential address, email address and phone number.
  • Your bank account details.
  • Your employment status and annual income.
  • Your monthly rent or mortgage.

The Perks

Make the most of this Capital One credit card when you dine out frequently, whether at three-star Michelin restaurants, fast food joints, nightclubs, bars or coffee shops. Using the card to pay for groceries comes with better-than-usual cash back rewards as well.

  • Rewards program. Earn 3% cash back on dining, 2% cash back on groceries and 1% cash back on all other purchases.
  • Signup bonus. Receive a one-time $100 cash bonus if you spend $500 on purchases in the first three months after membership enrollment.
  • $0 annual fee. You won’t pay annual fees for the life of the card.
  • Cash back options. Get cash back in the form of a check or a statement credit with the option to redeem credits for previous purchases or gift cards. Set up automatic redemption by time period or when accumulated credits reach preset thresholds.
  • 0% foreign transaction fees. Pay no foreign transaction fees when you use this card overseas.
  • World Elite Mastercard Benefits. Get travel upgrades, travel protection, price protection, extended warranties and access to complimentary concierge and identity-theft resolution services.
  • Protection. Receive personalized security alerts and $0 fraud liability.

What to watch out for

  • Requires excellent credit. A credit score of 750 to 850 is recommended.
  • High cash advance APR. You’ll pay a fee and 24.74% variable APR from the moment you receive a cash advance.
  • No intro APR. This card does not come with a lower APR on purchases or balance transfers.

What should I know before applying?

Apply for the Capital One® Premier Dining Rewards Credit Card if:

  • You’re at least 18 years old.
  • You’re a permanent resident of the U.S.
  • You have not applied for a Capital One credit card twice in the past 30 days.

What credit score should I have?

An excellent credit rating of 750 to 850 will increase the chances of your application’s approval.

How long will it take for me to be approved?

Capital One processes your application online and will notify you within 60 seconds if it immediately declines your application. In some cases Capital One may require further information before it approves or denies your application. Otherwise, you’ll typically receive a letter with your approval status in 7 to 10 business days. If your application is denied, you will also receive notification in the mail explaining why you did not qualify.

I received the card – now what?

  • Keep track of your spending. Register with Capital One to monitor your spending and payments online.
  • Keep interest in check. Pay your account balance in full each month to avoid paying interest on purchases. Cash advances attract interest from the date you receive your funds, so you’ll want to prioritize paying them off as soon as possible.
  • Avoid late fees. Late fees of up to $35 apply if your monthly payment is delayed.
  • Contact customer service. If you have questions, call or email Capital One.

Compare other top rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
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Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
Up to $250: 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)
$0
Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
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TD Double Up℠ Credit Card
TD Double Up℠ Credit Card
$75 cash back in the form of a statement credit when you spend $500 within the first 90 days after account opening
Up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account
$0
Earn up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
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Bottom line

The Capital One® Premier Dining Rewards Credit Card could pay off if you dine out regularly and want to avoid foreign transaction fees.

If you’re looking for a rewards card that comes with an intro APR offer or doesn’t require excellent credit, compare other cards that might better meet your needs.

Frequently Asked Questions

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Review by

Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

Expert review

Capital One® Premier Dining Rewards Credit Card is a rewards card that offers 3% cash back on dining, 2% cash back on grocery bills and 1% cash back and all other purchases.

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