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Oh, dating.

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 savvy points person like yourself.) You’re on your own for the rest of the night, though.

Debit Card

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.

Blue Cash Everyday® Card from American Express

This is another cash-back credit card without an annual fee. With it, you’ll earn 3% cash back on US supermarkets, 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 and Blue Cash 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.

Capital One Quicksilver Cash Rewards Credit Card

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 in the first three months. 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 you 10x miles when booking hotels and paying with the card via Hotels.com/venture, plus 2x miles on everything you buy. You can earn 50,000 miles after spending $3,000 in the first three months, worth about $700 according to our valuations. How’s that for a free trip?

American Express® Gold Card

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.

Bottom Line

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.

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American Express® Gold Card

With some great bonus categories, the American Express Gold Card has a lot going for it. The card offers 4x points at restaurants worldwide, at US supermarkets (up to $25,000; then 1x), and 3x points on flights booked directly with airlines or through amextravel.com. It is currently offering a welcome bonus of 35,000 bonus points after you spend $2,000 in the first three months.

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More Things to Know
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
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Annual Fee
$250
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Recommended Credit
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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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