Dining out is one of life’s simplest pleasures, but it’s also one of the easiest expenses to overlook. Between appetizers, drinks, and tip, a $12 lunch can quickly balloon into a $25 outing. The good news? You can still enjoy your favorite restaurants without paying full price—if you know how to use restaurant gift cards strategically.
Gift cards aren’t just for birthdays. With the right tools and timing, they become a practical way to cut food costs and earn rewards on everyday meals.
- Buy gift cards at a discount
Many platforms offer restaurant gift cards below face value, letting you stretch your budget instantly. Some grocery stores and big-box retailers run promotions that offer $5–10 off when you buy multiple cards, while wholesale clubs like BJ’s Wholesale Club and Costco often sell bundled gift cards for national chains at 15–20% off.
- Earn cashback when you purchase gift cards
Apps like Rakuten, Ibotta, and Fluz go a step further by rewarding you with cashback when you purchase restaurant gift cards through their platforms. For example, you can earn cashback with a Chipotle gift card or get cashback at Shake Shack when you pay through Fluz.
Unlike traditional cards bought at a store, Fluz gift cards can be purchased for the exact amount due and used instantly—making it ideal for both dine-in and takeout meals. This method works at national chains like Panera Bread, Buffalo Wild Wings, and more.
- Combine gift cards with restaurant loyalty programs
Stack your savings by linking gift cards to your favorite restaurant apps and rewards accounts. Programs like MyPanera, Chipotle Rewards, and Starbucks Rewards allow you to load gift card balances directly into your account and earn points or perks as if you had paid with a credit card.
This stacking method means you’re getting discounts at the time of purchase and benefits down the road—without sacrificing your rewards.
- Look for bonus gift card offers during holidays
Around major holidays like Mother’s Day, Father’s Day, and Christmas, restaurants frequently run bonus gift card promotions. These deals usually offer a $10 bonus card when you purchase $50 or more in gift cards. Chains like Outback Steakhouse, Cheesecake Factory, and Chili’s regularly offer these seasonal promos. Sign up for their email newsletters to stay in the loop.
- Use gift cards to set a dining budget
Another perk of gift cards: they make budgeting easier. Load a fixed amount each month and use it as your personal “dining allowance.” Once the balance runs out, it’s a built-in spending cap that helps you avoid impulse orders or food delivery splurges.
Final bite
Restaurant gift cards are more than just stocking stuffers—they’re a smart way to save money on dining, earn rewards, and stick to your budget without giving up the meals you love. Whether you’re picking them up at a discount, stacking with cashback apps, or combining them with loyalty perks, a little planning goes a long way toward a cheaper (but still delicious) meal.
