Capital One Premier Dining Rewards Credit Card review | finder.com

Review: Capital One® Premier Dining Rewards Credit Card

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Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
18.24% to 25.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
19.24% to 26.24% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
1% cash back
17.24% to 25.99% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
1.5% cash back
17.24% to 25.99% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
$150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
1% cash back
15.24% to 26.24% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
1% cash back
15.24% to 26.24% variable
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership
1.5% cash back
15.24% to 26.24% variable
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1x points
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
2x miles
18.24%, 22.24% or 25.24% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months.
2x points
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months from account opening. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new card to make $2,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months. 10% Anniversary Bonus on all Cash Rewards earned once a year.
1.5% cash back
15.24%, 19.24% or 25.24% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months.
1x miles
17.99% to 26.99% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
1x points
17.24% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1x points
17.24% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1x points
17.24% variable
$995
Earn 1x points when redeemed for airfare through the Luxury rewards program.
1% cash back
19.99% to 25.99% variable
$0 to $99
Get 1% cash back rewards on eligible purchases.
1% cash back
19.99% to 25.99% variable
$0 to $99
Seeing if you pre-qualify is fast, easy, and secure.
1% cash back
19.99% to 25.99% variable
$0 to $99
Get 2x cash back rewards at the NASCAR.com Superstore.

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The basics

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.

Your card’s 15.74%, 20.74% or 24.49% variable APR depends on your creditworthiness. However, you can avoid interest payments on purchases by paying your account balance in full every month.

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 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.

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.

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

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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