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 wonāt 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.
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. Youāll 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 OneĀ® Premier Dining Rewards Credit Card if:
Youāre at least 18 years old.
Youāre 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 applicationās 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, youāll 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 ā 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 youāll 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
Bottom line
The Capital OneĀ® Premier Dining Rewards Credit Card could pay off if you dine out regularly and want to avoid foreign transaction fees.
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 OneĀ® 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 cardās 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.
At Finder, we value and respect our editorial independence. We keep our reviews completely factual so you can use them to make better decisions. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews.
Capital OneĀ® 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 cardās 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.
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