Love is in the cards: What plastic your date should use to pay for dinner
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Editor’s note: This post has been updated with additional information. It was originally published on Aug. 17, 2019.
If you know, you know, and if you don’t, well … probably best to keep it that way for reasons way beyond the purpose of this article. But that’s not what we’re here to talk about today. Instead, we’re here to talk about a crucial situation that arises when the check comes at the end of a first date.
You know the one: The waiter swings by with a little black folder, and you both fumble for your wallets until, inevitably, the other person insists they pay or that you split the bill. And then it happens.
Your date puts down a debit card — and we rarely recommend using a debit card if your finances are in order and have a stable source of income. There are downsides to using a debit card when you don’t have to and you’ll forfeit the upside of using the right credit card.
So, if you see your date pull out a debit card or a wad of cash, consider sharing a few pointers about what card they should use instead. (And if he or she flashes an American Express® Gold Card, congratulations. You’re on a date with a points-savvy person like yourself.) You’re on your own for the rest of the night, though.
New to TPG? Check out our Beginner’s Guide.
First things first: Keep it together. Think positive. You’re about to bring them on the path to enlightenment. He or she might be (understandably) intimidated by credit cards and hesitant to make a commitment. They’re probably also used to to doing things the way they’ve always been done. Explain to them how using a debit card is like throwing money down the toilet (assuming they’re in a position of financial stability, of course), not to mention they’re missing out on valuable travel rewards.
Encourage them to get a great starter card such as the Chase Freedom. It doesn’t have an annual fee and they’ll get 1% cash back on purchases — not to mention 5% back on rotating bonus categories every four months (each quarter), including supermarkets, gas stations, pharmacies and more (up to $1,500 each quarter they activate). They might not be earning travel points and miles just yet, but they’ll get there. Baby steps, people. Baby steps.
This is another cash-back credit card without an annual fee (see rates & fees). With it, you’ll earn 3% cash back at U.S. supermarkets (up to $6,000 in purchases; then 1%), but you won’t have access to Amex’s Membership Rewards points program and the chance to use your points to travel the world. Your date probably likes to keep things simple and won’t play games with you, so breathe easy.
That said, they should upgrade to the Amex EveryDay® Credit Card from American Express to get even more bang for their buck. It also doesn’t have an annual fee, but you’ll earn valuable Membership Rewards points — you’ll get 10,000 of them after spending $1,000 the first three months you have the card.
The information for the Amex EveryDay card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Uber Visa Card
OK, we get it: You don’t take the subway. If your date has one of these, you can rest assured that they like to travel and eat, but might be a little misguided when it comes to maximizing their spend.
Instead, might we suggest the Chase Sapphire Preferred Card so that you ran rack up points you can actually use towards travel, and not just Uber, cash back or gift cards? The card has a $95 annual fee, earns you 2x points on dining and travel, and is currently offering a 60,000-point sign-up bonus after spending $4,000 in the first three months — that’s worth about $1,200 in our book.
The information for the Uber Visa has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
This card is about as straightforward as they come — 1.5% cash back on all purchases, as well as a $150 cash bonus after you spend $500 on purchases in the first three months of account opening. It doesn’t have an annual fee, either. If your date has one of these in their wallet, they definitely don’t over complicate things; there’s nothing wrong with simple, unless of course you want to start traveling for free.
If that’s the case, the Capital One® Venture® Rewards Credit Card should be on your radar. It recently introduced the ability to transfer your Capital One miles to airlines, a definite game-changer for cardholders. It also earns 2x miles on everything you buy. You can earn 50,000 miles after spending $3,000 on purchases in the first three months of account opening, worth about $700 according to TPG valuations (not provided by issuer).
We know this card is somewhat of a fan-favorite among the cashback crowd due to the 2% cashback on every purchase and 1% cash back when you buy and another 1% as you pay. But what if all that money your date was spending was going towards a romantic vacation in Italy instead?
Enter: the American Express® Green Card. Your date will earn 3x bonus points on travel, restaurants and transit as well as an up to $100 statement credit for CLEAR and up to $100 LoungeBuddy statement credits. Mamma mia.
Your date has a good head on their shoulders, although they sometimes forget. The Chase Freedom Unlimited is one of our favorite cards for beginners because you can. Much like what you’re trying to do on your dinner date, approval is easy and it helps you build a relationship with Chase so that you can strengthen and upgrade your relationship over time.
Which brings us to… the Chase Sapphire Reserve. It’s largely considered the holy grail of premium travel rewards cards. While there’s a steep $550 annual fee, it’s largely offset by the $300 travel credits, unlimited DoorDash delivery, Lyft Pink membership, Priority Pass lounge access and application fee credit for TSA PreCheck or Global Entry. With this, your date will be wining and dining your way to your next vacation.
If your date doles out this card, congrats! You’ve found yourself a points pro — they know they’re racking up 4x valuable Membership Rewards points on dining both in the US and abroad. At the very least, you can bond over your love of credit cards, dining and travel.
While we can’t help you with the rest of your dating life, we can help you make sure your date has a credit card that is worthy of your high standards. I mean, you do want to be with someone who wants to travel the world, otherwise you wouldn’t be here, right? At the end of the day, let’s be real: Chocolate and flowers have nothing on points and miles. (But hopefully, they use an online shopping portal to buy you flowers and chocolate.)
Featured photo by PeopleImages / Getty Images.
For rates and fees of the Blue Cash Everyday, click here.
- Earn up to 70,000 bonus miles. Earn 60,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 10,000 bonus miles after your first anniversary of Card Membership. Offer Expires 4/1/2020.
- Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
- New! Get ready for your next trip - spend $10,000 in purchases on your card in a calendar year and receive a $100 Delta Flight Credit to get you there sooner.
- Earn 2X Miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets.
- Earn 1X Mile on all other eligible purchases.
- Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
- Enjoy a $0 introductory annual fee for the first year, then $99.
- Terms Apply.
- See Rates & Fees