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15 restaurant loyalty programs that are worth joining — including a new 'pancake bank'

March 09, 2022
14 min read
breakfast foods
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Editor’s note: This post has been updated with new information. It was originally published on Aug. 7, 2021.

School night tussles, ballet lessons, soccer practice. It sometimes feels like dinner prep takes a back seat when the afternoon hours are peppered with activities for busy families. Given that mealtime is also one of the best for quality conversations, what can be done to make the process less of a chore for modern working families?

Eating out is a fun option, but the expense can add up quickly. To take the sting out of it, many restaurants offer fun dining programs with incentives and rewards to whet appetites and keep even the finickiest eaters drooling for more.

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(Photo by Blend Images – Inti St Clair / Getty Images)

While small, local places may have some of the best food (so eat there when you can), the chain restaurants usually have the most popular and rewarding loyalty programs. And these types of programs are only becoming more widespread. Several major fast-food chains like McDonald's and Burger King introduced new loyalty programs over the years. Meanwhile, IHOP just announced the details of its new "pancake bank" rewards program.

So, in case you find yourself ordering takeout from time to time, here is how to earn restaurant rewards in addition to the credit card rewards that you were hopefully already enjoying. This can help when life gets busy at home or you just need a familiar place to dine while on the road.

Burger King Royalty Perks

(Photo by Xavi Lopez/SOPA Images/LightRocket/Getty Images)

In September, Burger King began rolling out its Royal Perks loyalty program. It offers 10 “crowns” for every $1 spent with the chain. Rewards range from 250 points to 1,400 points and can be redeemed for most menu items. Members also receive free daily perks, like upsizing drinks or fries, as well as 2x crowns through the full month of your birthday.

You can join the program through Burger King's website or the BK App with as little information as your first name and email.

Related: Food delivery promo codes and offers to help you save money on your next meal

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Chick-fil-A One

TPG has already done a full deep-dive on Chick-fil-A’s rewards program, which is revenue-based and even has elite status tiers. At the Member level, you earn 10 points per dollar. You can earn Silver status after earning 1,000 points in a year, Red after 4,000 points and Signature after 10,000 points. Silver members earn 11 points per dollar spent, Red members earn 12 and Signature members earn 13.

Even better? All members qualify for a free birthday reward.

(Photo by Andrew Renneisen/Getty Images)

A Chick-fil-A chicken sandwich will cost you 600 points, which is earned by spending $60 at the Member level. A Chick-fil-A chicken sandwich may sell for around $3.78, including tax. At that price, the return is $0.0063 per point.

Related: The best credit cards for dining out, taking out and ordering in

My Chili’s Rewards

Loyalty wins at this family-friendly restaurant where members get free chips, salsa or a non-alcoholic beverage if they visit every 60 days and spend at least $5 each time. My Chili’s Rewards points can be used for free kids’ meals, appetizers and desserts. Chili’s custom app makes it easy for families to order their favorites with a tap. The app also lets members check out their rewards and scan them all seamlessly on the tableside kiosk.

  • Personalized rewards in the form of free kids meals, appetizers, desserts and more
  • Free dessert on your birthday
  • Free Wi-Fi
Photo courtesy of Chili’s

Chipotle Rewards

Chipotle’s rewards program is open to all. Members earn 10 points for every dollar spent, with 1,250 points nabbing a free entree. Your entree rewards expire after 60 days, so be sure to use them before that.

Occasionally, Chipotle will offer bonus points on select days or in exchange for trying new menu items.

Chipotle store in NYC
(Photo by Andrew Renneisen/Getty Images)

Related: Guide to the Chipotle Rewards loyalty program

Dunkin Donuts DD Perks

(Photo by Andrew Burton/Getty Images)
(Photo by Andrew Burton/Getty Images)

Dunkin’s loyalty program, DD Perks, will get you five points for every $1 spent. When you earn 200 points (after spending $40), you’ll get a free beverage. The coffee chain also boasts some exclusive bonus-point offers and a partnership with Shell that offers 10 cents off per gallon for every five drinks purchases.

Because we know you’re eyeing a cup of Joe before your early morning flight, you can rest assured that you’ll still be earning points at the airport. Sometimes, depending on where you are, Dunkin’s coffee is the best thing around for miles.

Domino’s Piece of the Pie

(Photo by Andrew Harrer/Bloomberg/Getty Images)

Domino’s Piece of the Pie program is pretty straightforward. Every time you place an order of at least $10 with Domino’s (tips and donations excluded), you’ll earn 10 points in the chain’s Piece of the Pie Rewards program. After you earn 60 points, you can redeem them for a free medium, two-topping pizza — although you can continue to earn points and cash out for multiple pizzas if you want. Just keep in mind that points expire after 180 days of account inactivity.paner

Related: How to earn 1,000 Southwest points the next time you dine out

IHOP

(Photo by Iv-olga/Shutterstock)

The International House of Pancakes (IHOP) has offered its MyHOP rewards program for a while now. Members get free pancakes on their birthdays and on their annual sign-up anniversary. Plus, you might be treated to special offers throughout the year. However, there has been no way to earn points on your pancakes — until now.

Come April, MyHOP will be replaced by the crypto-themed "International Bank of Pancakes." Members will earn one PanCoin for every $5 spent. PanCoins can then be redeemed for pancakes at a rate of one coin per pancake, or traded in the “Stack Market” for other rewards like menu items and merchandise.

Although the program isn't live yet, you can sign up now through IHOP's website or mobile app to achieve "founding member" status and unlock special benefits. To sign up, you need to provide your basic contact information, birthday and location of the nearest IHOP.

(Screenshot from ihop.com)

McDonald’s Rewards

McDonald’s introduced its new rewards program in summer 2021, replacing its previous McCafe Rewards program that was limited to coffee purchases. The McDonald’s Rewards program offers 100 points for every $1 spent at McDonald’s. Rewards start at just 1,500 points for a McChicken, hash browns, vanilla cone or cheeseburger.

In other words, it takes just $15 worth of spending to earn enough points for a reward. Rewards go as high as 6,000 points for a Big Mac, Quarter Pounder with Cheese or Happy Meal, to name a few.

If you’re new to McDonald’s Rewards, you can earn a free order of large fries just by downloading the app and joining the program.

(Photo by Summer Hull / The Points Guy)

Panera

We know, we know: You love the Passion Papa Green Tea, too. If you find yourself frequently grabbing Panera during your lunch breaks, do yourself a favor and sign up for its loyalty program. It’s called MyPanera and with it, you’ll have access to exclusive sneak peeks, menu updates and even information on local events.

Of course, you’ll also earn rewards for all the food you buy, although it’s not quite clear how you actually earn these rewards. While Panera doesn’t explicitly say how much you have to spend to get rewards, you’ll get closer to a free pastry or sweet after each visit.

Better yet, if you play your cards right and buy a Panera e-gift card through United’s MileagePlus X app, you’ll earn United MileagePlus miles at the same time.

(Photo by Jeffrey Greenberg/Universal Images Group/Getty Images)

Papa John’s Rewards

Pizza lovers, rejoice! The Papa John’s Rewards program Edition 2.0 offers points faster so you can indulge without too much guilt. Online, through the app or at participating stores, the rewards program offers 1 point per dollar spent. For 75 points, you get $10 in Papa Dough, which can be redeemed for anything at Papa John’s.

Related: Earn bonus points on takeout with these dining rewards programs

Pizza Hut Rewards

Joining Hut Rewards is a snap, and if your family feasts on Pizza Hut pizza often, you’ll quickly be on your way to some free food. Earn 2 points for every dollar spent and redeem points for items like breadsticks (75 points), a medium two-topping pizza (200 points) or a large ANY pizza (300 points).

Photo courtesy of Pizza Hut

Red Robin Royalty

Loyalty = Royalty at Red Robin, which has lots of options for kid-friendly dining. Red Robin Royalty members every 10th item free, plus $20 toward a sixth visit after completing five visits within five weeks of signing up.

Members also get a free burger on their birthdays, along with “surprise rewards” all year round. Teacher or a veteran? These special categories of royalty get exclusive surprises when they sign up for the program.

Starbucks

Starbucks Reserve storefront in Palm Springs, CA (Photo by Darren Murph/The Points Guy)

If you’re a coffee aficionado, joining the Starbucks loyalty program will get you a free coffee before you can say, “Venti iced skinny hazelnut Macchiato, sugar-free syrup, extra shot, light ice, no whip.” They made some changes to their rewards program back in April 2019.

Under the new tiered structure, Starbucks Rewards members earn two Starbucks Stars per dollar on purchases charged to a gift card or a preloaded Starbucks account. Members earn 1 Starbucks Star per dollar the purchase if the order is paid for with a credit card, debit card or cash.

Say, for example, you get a simple Venti iced coffee for $2.95 and the spinach-and-feta breakfast wrap for $3.75 (plus tax). You’d earn 13 stars for that one visit alone if you pay with a Starbucks gift card.

Here’s a break-down of how you can redeem your Starbucks rewards:

  • 25 stars: Extra espresso shot, dairy substitute or additional flavor
  • 50 stars: Brewed hot coffee, hot tea or select bakery items
  • 150 stars: Handcrafted drink, hot breakfast or yogurt parfaits
  • 200 stars: Lunch sandwich, protein box or salad
  • 400 stars: Select merchandise or packaged coffee

You’ll even earn stars at Starbucks locations in major U.S. airports, Target locations and even some grocery stores.

Related: Best credit cards to use at Starbucks

TGI Fridays

(Photo courtesy of TGIFridays)

There is such a thing as instant gratification with TGI Fridays Fridays Rewards™ program. Sign up at a local Fridays and you instantly get a coupon for a free appetizer or dessert. Members accumulate a point for every dollar spent on food, valid for anything off the menu.

  • 30 points - Free non-alcoholic beverage
  • 50 points – Free dessert
  • 75 points – Free appetizer
  • 100 points – Free burger, sandwich, or salad
  • 150 points – Free classic entree
  • 175 points — Free premium entree or shareable
  • 250 points — Free Tsunami cake

Plus, enjoy a free dessert with the purchase of an entree on your birthday.

Wendy’s Rewards

(Photo by Richard Levine/Corbis/Getty Images)

Wendy’s recently introduced its reward program and it offers a fairly generous reward structure. Members earn 10 points per dollar spent on all Wendy’s purchases.

These points expire 365 days after they’re earned, but that shouldn’t be an issue since there are many great options for using your rewards.

  • Small Frosty – 150 points
  • 4 piece Chicken Nuggets – 150 points
  • Sausage Biscuit – 200 points
  • Small Seasoned Breakfast Potatoes – 200 points
  • Small Fry – 200 points
  • Jr. Bacon Cheeseburger – 300 points
  • Honey Butter Chicken Biscuit – 400 points
  • Breakfast Baconator – 450
  • Dave’s Single – 450
  • Premium Chicken Sandwich (Spicy, Homestyle or Grilled) – 500
  • Baconator – 700
  • Full-Sized Salad – 700

A full-sized salad costs about $8.50, depending on your store location. Since it takes $70 worth of spending to earn enough points for that salad, you’re getting about a 12% return on your spending. Not bad for scanning an app at the drive-through!

Related: Best credit cards for dining out

Bottom line

To maximize the times when your family just has to eat out, be sure to also join an airline dining program and link your credit card that offers additional rewards at restaurants. When eating out, TPG is partial to the American Express® Gold Card, which awards 4 points per dollar at restaurants and comes with a monthly $10 Uber Cash (up to $120 annually), valid on UberEats orders in the U.S. (Card must be added in Uber account to receive Uber Cash benefit; enrollment required).

Alternately, the Chase Sapphire Reserve offers 3x points on every dollar spent on dining.

Casual dining franchises across the United States are undergoing a makeover and wooing families with special treats, early sneak peeks at new menu items and birthday treats. Joining rewards programs is a snap, so take the time to do it. You’ll save some money and earn extra perks along the way.

Additional reporting by Poornima Apte, Samantha Rosen and Benji Stawski.

Featured photo by Alexander Spatari/Getty Images.

Featured image by ALEXANDER SPATARI/GETTY IMAGES
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
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  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023