The Best Credit Card for Restaurants

Choosing the right credit card can significantly enhance your dining experience and help you save money on restaurant expenses. Whether you're a food enthusiast who loves to explore new eateries or someone who frequently dines out for business meetings, finding the best credit card for restaurants is essential.

With options available, navigating through the offerings can be daunting. From lucrative rewards on dining purchases to exclusive discounts at popular eateries, the ideal credit card for restaurant aficionados should cater to your needs.

We'll explore various aspects such as reward structures, annual fees, and additional benefits like travel insurance or concierge services to help you narrow your options effectively. By understanding your spending habits and evaluating the perks offered by different credit cards, you can unlock substantial savings and elevate your culinary experiences without breaking the bank.

Best credit cards for restaurants

KOHO Premium Prepaid Visa

• Interest Rate: N/A (Prepaid)

• Rewards: 2% cash back on dining, groceries, and transportation, 0.5% on everything else.

• Benefits: No foreign transaction fees, no interest charges, and budgeting tools.

American Express Cobalt™ Card

• Interest Rate: 20.99%

• Rewards: 5 points per $1 spent on dining and groceries, 2 points per $1 on travel and transit, 1 point per $1 on everything else.

• Benefits: Comprehensive travel insurance, flexible points redemption, monthly fee structure.

Scotiabank Gold American Express® Card

• Interest Rate: 20.99%

• Rewards: 5 points per $1 spent on dining, groceries, and entertainment, 3 points on gas, transit, and select streaming services, and 1 point on all other purchases.

• Benefits: No foreign transaction fees, extensive travel insurance, concierge service, and purchase protection.

Rogers World Elite Mastercard®

• Interest Rate: 19.99%

• Rewards: 3% cash back on dining and 1.5% cash back on all other purchases.

• Benefits: No annual fee, comprehensive insurance coverage, and access to World Elite Mastercard benefits.

TD® Cash Back Visa Infinite Card*

• Interest Rate: 20.99%

• Rewards: 3% cash back on dining, groceries, and recurring bill payments, 1% on all other purchases.

• Benefits: Travel insurance, purchase security, extended warranty, concierge service.

National Bank® World Elite® Mastercard®

• Interest Rate: 20.99%

• Rewards: 3% cash back on dining, 2% on groceries, and 1% on all other purchases.

• Benefits: Comprehensive travel insurance, airport lounge access, concierge services.

BMO® CashBack® World Elite® Mastercard®

• Interest Rate: 20.99%

• Rewards: 5% cash back on dining, 4% on transit, 3% on gas, 2% on recurring bills, 1% on everything else.

• Benefits: Comprehensive insurance coverage, free roadside assistance, and travel and medical protection.

CIBC Aventura® Visa Infinite Card*

• Interest Rate: 20.99%

• Rewards: 2 points per $1 spent on dining, groceries, gas, and travel, 1 point per $1 on everything else.

• Benefits: Comprehensive travel insurance, concierge service, purchase protection, and extended warranty.

HSBC World Elite® Mastercard®

• Interest Rate: 19.99%

• Rewards: 3 points per $1 spent on dining and entertainment, 1 point on all other purchases.

• Benefits: Comprehensive travel insurance, airport lounge access, concierge services.

MBNA Rewards World Elite® Mastercard®

• Interest Rate: 19.99%

• Rewards: 2 points per $1 spent on dining, groceries, and gas, 1 point per $1 on everything else.

• Benefits: Comprehensive insurance coverage, travel protection, and concierge services.

RBC Avion Visa Infinite

• Interest Rate: 19.99%

• Rewards: 1.25 RBC Rewards points per $1 spent on dining and all other purchases.

• Benefits: Comprehensive travel insurance, purchase protection, extended warranty.

Tangerine World Mastercard®

• Interest Rate: 19.95%

• Rewards: 2% cash back on up to three categories of your choice (including dining), 0.5% on everything else.

• Benefits: No annual fee, customizable rewards categories, no limits on cash back earned.

BMO® World Elite™ Mastercard®

• Interest Rate: 20.99%

• Rewards: 3 points per $1 spent on dining, travel, and entertainment, 1 point on all other purchases.

• Benefits: Comprehensive travel insurance, airport lounge access, concierge service.

American Express SimplyCash™ Preferred Card

• Interest Rate: 19.99%

• Rewards: 4% cash back on dining and groceries, 2% on all other purchases.

• Benefits: Comprehensive insurance coverage, access to American Express Invites, extended warranty, and purchase protection.

Scotiabank Momentum® Visa Infinite Card*

• Interest Rate: 20.99%

• Rewards: 4% cash back on dining and groceries, 2% on gas and transit, 1% on all other purchases.

• Benefits: Travel insurance, concierge service, purchase protection, and extended warranty.

PC Financial® World Elite Mastercard®

• Interest Rate: 19.97%

• Rewards: 30 PC Optimum points per $1 at Shoppers Drug Mart, 45 PC Optimum points per $1 at Loblaws stores, and 10 PC Optimum points per $1 everywhere else.

• Benefits: No annual fee, comprehensive travel insurance, price protection, and extended warranty.

Tangerine Money-Back Credit Card

• Interest Rate: 19.95%

• Rewards: 2% cash back on up to three categories of your choice (including dining), 0.5% on everything else.

• Benefits: No annual fee, customizable rewards categories, no limits on cash back earned.

BMO® CashBack® Mastercard®

• Interest Rate: 19.99%

• Rewards: 3% cash back on dining, 1% on recurring bill payments, 0.5% on all other purchases.

• Benefits: No annual fee, extended warranty, or purchase protection.

HSBC Cash Rewards Mastercard®

• Interest Rate: 19.99%

• Rewards: 1.5% cash back on all purchases, 3% on the first $10,000 spent annually on dining, groceries, and drugstore purchases.

• Benefits: No annual fee, no foreign transaction fees, and travel and medical insurance.

Meridian Visa Infinite Cash Back Card

• Interest Rate: 19.50%

• Rewards: 4% cash back on dining and groceries, 2% on drugstores and recurring bills, 1% on all other purchases.

• Benefits: Comprehensive travel insurance, mobile device insurance, and price protection.

Triangle™ World Elite Mastercard®

• Interest Rate: 19.99%

• Rewards: 3% cash back on dining, 1.5% on groceries, and 1% on all other purchases.

• Benefits: No annual fee, roadside assistance, concierge service.

SimplyCash™ Card from American Express

• Interest Rate: 19.99%

• Rewards: 2% cash back on all purchases.

• Benefits: No annual fee, purchase protection, extended warranty.

PC Financial® Mastercard®

• Interest Rate: 19.97%

• Rewards: 10 PC Optimum points per $1 spent on all purchases.

• Benefits: No annual fee, exclusive PC Optimum offers.

Scotiabank Value® Visa

• Interest Rate: 12.99%

• Rewards: 1% cash back on all purchases.

• Benefits: Low interest rate, no annual fee for the first year, extended warranty, and purchase protection.

BMO® Preferred Rate Mastercard®

• Interest Rate: 12.99%

• Rewards: 0.5% cash back on all purchases.

• Benefits: Low interest rate, extended warranty, purchase protection.

National Bank ECHO® Cashback Mastercard®

• Interest Rate: 20.99%

• Rewards: 1.5% cash back on dining, gas, groceries, and online purchases, 1% on all other purchases.

• Benefits: No annual fee, extended warranty, and purchase protection.

Neo Financial Mastercard®

• Interest Rate: 19.99%

• Rewards: Up to 5% cash back at Neo partners, 1% on everything else.

• Benefits: No annual fee, flexible credit limits, mobile app for tracking rewards.

Canadian Tire Triangle™ Mastercard®

• Interest Rate: 19.99%

• Rewards: 3% cash back in Canadian Tire Money on dining, 1.5% on groceries, and 1% on all other purchases.

• Benefits: No annual fee, exclusive member events, personalized offers.

Walmart Rewards™ World Mastercard®

• Interest Rate: 19.89%

• Rewards: 3% cash back in Walmart Rewards on Walmart.ca, 1.25% at Walmart stores, 1% on all other purchases.

• Benefits: No annual fee, extended warranty, and purchase protection.

Peoples Trust Secured Visa

• Interest Rate: 19.99%

• Rewards: 1% cash back on all purchases.

• Benefits: Ideal for building credit, purchase protection, and extended warranty.

Capital One® Guaranteed Secured Mastercard®

• Interest Rate: 19.8%

• Rewards: 1% cash back on all purchases.

• Benefits: Guaranteed approval, ideal for building credit, purchase protection, extended warranty.

Capital One® Aspire Cash Platinum Mastercard®

• Interest Rate: 19.8%

• Rewards: 1% cash back on all purchases.

• Benefits: No annual fee, purchase protection, extended warranty.

Canadian Tire Gas Advantage Mastercard®

• Interest Rate: 19.99%

• Rewards: Up to 10 cents off per litre at Canadian Tire gas bars.

• Benefits: No annual fee, extended warranty, or purchase protection.

Brim Financial Mastercard®

• Interest Rate: 19.99%

• Rewards: Up to 1% cash back on all purchases, and additional rewards with Brim partners.

• Benefits: No foreign transaction fees, mobile device insurance, extended warranty.

Capital One® Walmart Rewards™ Mastercard®

• Interest Rate: 19.99%

• Rewards: 1.25% cash back on Walmart purchases, and 1% on all other purchases.

• Benefits: No annual fee, purchase protection, extended warranty.

RBC Cash Back Preferred World Elite Mastercard®

• Interest Rate: 19.99%

• Rewards: 1.5% cash back on all purchases.

• Benefits: No annual fee, purchase protection, extended warranty.

CIBC Dividend Platinum® Visa Card

• Interest Rate: 19.99%

• Rewards: 2% cash back on dining, groceries, gas, and transportation, 1% on all other purchases.

• Benefits: Purchase protection, extended warranty, travel insurance.

Desjardins Cash Back Platinum Mastercard®

• Interest Rate: 19.99%

• Rewards: 2% cash back on dining and grocery purchases, 1% on all other purchases.

• Benefits: Purchase protection, extended warranty, travel insurance.

National Bank® Platinum Mastercard®

• Interest Rate: 20.99%

• Rewards: 2% cash back on dining and groceries, 1% on all other purchases.

• Benefits: Purchase protection, extended warranty, travel insurance.

Capital One® Aspire Cash World Elite Mastercard®

• Interest Rate: 19.99%

• Rewards: 2% cash back on all purchases.

• Benefits: Comprehensive travel insurance, extended warranty, concierge services.

Can you earn points with a credit card when dining out?

Yes, many credit cards offer rewards specifically for dining out. These credit card rewards programs vary depending on the card issuer and your card. Restaurant credit card perks may include points, cash back, and miles. Some credit cards may offer higher reward rates for dining purchases than other types of spending, while others may provide bonus rewards on a rotating basis or as part of limited-time promotions, like a sign-up bonus or bonus points during a promotional period.

When you use a credit card to pay for dining expenses at restaurants, cafés, bars, and similar establishments, you'll earn points or cash back based on your spending. You can redeem these rewards for various benefits such as statement credits, travel rewards, gift cards, merchandise, or cash back.

Before applying for a credit card, it's essential to review the card's rewards structure and terms to understand how many points or what percentage of cash back you can earn on dining purchases, and any limitations or exclusions that may apply. By selecting a credit card with a generous dining rewards program, you can maximize your benefits and enjoy additional perks every time you dine out.

Types of credit cards for restaurant rewards

Several types of credit cards offer rewards specifically tailored for dining out and restaurant-related purchases, such as food delivery. When choosing a credit card for restaurant rewards, consider your spending habits, rewards programs, annual fees, and additional perks to determine which one aligns best with your lifestyle and preferences.

Cash back credit cards

Cash back cards are worth it if you make a lot of restaurant purchases and want to earn cash rewards for your spending. Cash back credit cards offer a percentage of cash back on your dining purchases. For example, you might earn 3% cash back on dining expenses, which means for every $100 you spend at restaurants, you'll receive $3 back as a statement credit or cash back reward.

Travel rewards credit cards

Many travel rewards cards offer bonus points or miles for dining purchases, and you can redeem points for flights, hotel stays, car rentals, and other travel-related expenses. These cards often provide a higher reward rate for dining than other types of spending.

Co-branded credit cards

Some credit cards are co-branded with specific restaurants or dining establishments. These cards may offer enhanced rewards, discounts, or special perks at partner restaurants or affiliated dining chains.

Rotating category credit cards

Certain credit cards feature rotating bonus categories that change every quarter. Dining is occasionally included as a bonus category, allowing cardholders to earn additional rewards during specific periods. You can redeem rewards for cash back, travel, merchandise, gift cards, or statement credits.

Premium credit cards

Premium or luxury credit cards often come with higher annual fees but offer extensive benefits, including elevated rewards rates for dining purchases, complimentary dining credits, access to exclusive dining experiences, and perks like concierge services.

Dining rewards programs

Some credit card issuers offer dedicated dining rewards programs that provide extra benefits for cardholders who frequently dine out or make restaurant purchases. These programs may offer points multipliers, exclusive dining events, or partnerships with restaurant reservation platforms.

Advantages of a credit card for restaurants

Credit cards offer several advantages when it comes to dining out.

Convenience

Credit cards provide unparalleled convenience when dining out. They eliminate the need to carry large amounts of cash, reducing the risk of loss or theft. Moreover, with the widespread acceptance of credit cards at restaurants worldwide, you can dine out almost anywhere without worrying about currency exchange or finding an ATM. Additionally, the ease of payment methods, such as contactless payments or mobile wallets streamlines the transaction process, allowing for quick and seamless payments at the table or counter.

Security

Credit cards for restaurants offer robust security features that provide peace of mind for diners. In the event of card loss or theft, most issuers offer 24/7 customer service to report unauthorized transactions promptly.

Credit cards typically come with zero liability policies, protecting cardholders from fraudulent charges. Advanced security technologies further safeguard card information, reducing the risk of data breaches and identity theft. By using a credit card for dining, you can enjoy the assurance that your financial transactions are protected by layers of security measures.

Rewards and benefits

Credit cards often entice consumers with enticing rewards and benefits tailored for dining enthusiasts. Many cards offer lucrative rewards programs that let you earn bonus rewards or have a generous welcome bonus. These rewards can add up quickly, allowing cardholders to earn valuable perks such as free flights, hotel stays, or statement credits.

Additionally, some credit cards feature dining-specific perks such as exclusive access to restaurant reservation platforms, priority seating, or invitations to culinary events. By strategically leveraging these rewards and benefits, diners can maximize the value of their credit card spending and enhance their overall dining experience.

Budgeting and tracking spending

Credit card statements offer detailed insights into dining expenses, facilitating effective budgeting and expense tracking. With transaction details categorized by merchant and date, cardholders can easily monitor their dining expenditures and identify patterns or trends in their spending habits.

Whether you want to learn how to budget better as a millennial or have specific savings goals in mind, many credit card issuers provide online account management tools and mobile apps that offer budgeting features, spending alerts, and customizable spending categories. By leveraging these resources, diners can gain a clearer understanding of their financial habits and make informed decisions to manage their budgets more effectively.

Build credit history

Responsible use of a credit card for dining can contribute to building a positive credit history, which is crucial for financial stability and future borrowing opportunities. By making timely payments and maintaining low credit utilization ratios, you can demonstrate creditworthiness to lenders and build your credit over time.

A strong credit history opens doors to favourable interest rates, higher credit limits, and better loan terms, empowering individuals to achieve their financial goals with confidence. By leveraging their credit cards wisely, diners can lay the foundation for a solid credit profile that paves the way for future financial success.

Disadvantages of a credit card for restaurants

While restaurant credit cards offer numerous benefits for dining out, they also come with certain disadvantages that diners should consider.

Interest rates

One of the most significant drawbacks of using a credit card for restaurant expenses is the potential for accruing interest charges. If you carry a balance on your credit card from month to month, you'll incur interest charges on your dining purchases, which can add up quickly over time. High interest rates on credit cards can significantly increase the cost of dining out, especially if you're unable to pay off your balance in full each month.

Overspending

Credit cards can make it easier to overspend, particularly when dining out. The convenience of simply swiping a card can lead to impulse purchases or dining at more expensive establishments than originally planned. Without the tangible feeling of physical cash or seeing your bank account balance decrease in real-time with a debit card, diners may be tempted to exceed their budget or indulge in unnecessary expenses, leading to financial strain in the long run.

Debt accumulation

Excessive or irresponsible use of credit cards for dining can result in debt accumulation. If you consistently spend more than you can afford to repay, you may become trapped in a revolving debt cycle. Accumulating high levels of credit card debt can have serious consequences for your financial health, including damage to your credit score, stress, and difficulty meeting other financial obligations.

Annual fees

Some credit cards that offer generous rewards and benefits for dining may come with annual fees. While these fees can be justified by the value of the rewards and perks provided, they can still add to the overall cost of using the card. Diners should carefully weigh the benefits of a credit card against the annual fee to determine if it's worth the expense, especially if they don't dine out frequently enough to offset the annual fee with rewards.

Security risks

Although credit cards offer security features to protect against fraud, they are not immune to security risks. Credit card fraud, data breaches, and identity theft can still occur, potentially exposing cardholders to financial loss and inconvenience. Diners should be alert and careful with monitoring their credit card statements for unauthorized transactions and take proactive steps to safeguard their card information, such as using secure payment methods and regularly updating passwords.

Credit dependency

Relying too heavily on credit cards for dining expenses can foster a dependency on credit and hinder responsible financial habits. Instead of paying for meals with available funds, individuals may become accustomed to charging dining expenses to their credit cards without considering the long-term implications. Over time, this reliance on credit can lead to financial instability and inhibit the development of sound money management skills.

Other perks of a credit card for restaurants

Beyond rewards and cash back, credit cards often come with a host of additional perks and privileges designed to enhance the dining experience. Some premium credit cards offer complimentary dining credits or discounts at partner restaurants, allowing cardholders to indulge in culinary delights at a fraction of the cost.

Select dining credit cards provide access to exclusive dining experiences, such as chef's table dinners, wine tastings, or culinary tours, creating memorable dining adventures for cardholders. By taking advantage of these additional perks, diners can elevate their culinary escapades and enjoy unparalleled dining experiences that cater to their discerning tastes.

Do restaurant credit cards offer rewards for other types of spending?

Restaurant credit cards typically focus their rewards and benefits on dining-related expenses, offering enhanced rewards rates, bonus points, or cash back specifically for restaurant purchases. However, many of these cards may also provide rewards for other types of spending, albeit at lower rates than dining expenditures.

Here are some common scenarios where restaurant credit cards may offer rewards for other types of spending.

Bonus categories

Some credit cards for restaurants feature bonus categories that extend beyond dining purchases. These bonus categories may include groceries, entertainment, travel, or gas stations. Cardholders can earn additional rewards or cash back when making purchases within these designated categories, such as grocery purchases, albeit at a lower rate than dining spending.

Base reward rate

In addition to bonus categories, credit cards for restaurants typically offer a base rewards rate for all other purchases made with the card. While the rewards rate for non-dining spending is often lower than the rate for dining purchases, cardholders can still earn rewards on everyday expenses, such as shopping, utilities, or transportation.

Limited-time promotions

Credit card issuers may periodically offer limited-time promotions or bonus offers that allow cardholders to earn extra rewards for specific types of spending. For example, a restaurant credit card might run a promotion offering bonus points for online shopping during the holiday season or for purchases made at select retailers.

Partner programs

Some credit cards for restaurants are part of larger rewards programs or partnerships with other merchants. Cardholders may earn rewards or enjoy special offers when shopping with participating retailers, online merchants, or travel partners affiliated with the credit card issuer.

Redemption options

While the primary focus of restaurant credit cards is to earn rewards on dining expenses, the accumulated rewards can often be redeemed for options beyond dining-related rewards. Depending on the card issuer and rewards program, cardholders may have the flexibility to redeem their points or cashback for travel, merchandise, statement credits, gift cards, or charitable donations.

Fees for using a credit card at restaurants

Using a credit card at restaurants may involve various fees, although they are typically incurred by the merchant rather than the cardholder. Here are some common fees associated with accepting credit card payments at restaurants.

Merchant discount fee

Also known as the merchant discount rate, this is charged by the payment processor or acquiring bank for processing credit card transactions. It is typically a percentage of the transaction amount plus a fixed fee per transaction.

Merchants pay this fee to the card networks and their acquiring bank for the service of processing credit card payments. The merchant discount fee can vary depending on factors such as the type of card used the merchant's industry, and the volume of transactions processed. For example, cash rewards cards may have higher fees.

Chargeback fee

In the event of a dispute or fraudulent transaction, the merchant may incur chargeback fees. Chargebacks occur when a cardholder disputes a transaction with their card issuer, and the merchant is required to provide evidence to resolve the dispute. If the chargeback is upheld in favor of the cardholder, the merchant may be responsible for the transaction amount as well as chargeback fees imposed by the payment processor.

Minimum purchase requirement

Some restaurants may impose a minimum purchase requirement for credit card transactions to offset the cost of processing fees. The minimum amount is typically set to ensure that the restaurant doesn't incur a loss on small transactions where the processing fees may outweigh the profit margin.

Foreign transaction fees

For restaurants located in foreign countries or when dining abroad, cardholders may incur foreign transaction fees imposed by their card issuer. These fees are typically a percentage of the transaction amount and are charged for transactions processed in a currency other than the card's native currency. Travellers should be aware of these fees and consider using credit cards that waive foreign transaction fees when dining internationally.

Ensure your favourite restaurants accept your favourite credit card

It's always a good idea to check if your favourite restaurants accept your preferred credit card before dining out to avoid any inconvenience at the time of payment. Most restaurants display accepted payment methods either on their website, at the entrance, or on the menu.

Here are some ways to ensure you can use your credit card at your favourite restaurants:

• Check the restaurant's website

• Call the restaurant

• Ask in person

• Check payment symbols

• Use payment apps or wallets

Is it better to use a credit or debit card when paying at a restaurant?

Whether it's better to use a credit card or a debit card when paying at a restaurant depends on your personal financial situation, preferences, and specific circumstances. Both credit cards and debit cards offer distinct advantages and considerations.

Many credit cards offer rewards for eligible purchases, like eating at restaurants, paying for gas, or making online grocery purchases. Credit cards also offer stronger consumer protection than debit cards, lowering your risk of fraudulent transactions. Credit cards often have extended warranties, purchase protection, and dispute resolution services that benefit cardholders if there are issues with the restaurant. Responsible use of a credit card also helps improve your credit history and score.

A debit card can help you avoid debt accumulation. If you have existing debt and don't want to have any more financial burden, you can use a debit card whenever you're eating out. Debit card transactions are typically processed in real time, providing a clearer picture of your available funds. Some restaurants may initiate a pre-authorized charge to hold the funds for the estimated bill amount.

Unlike credit cards, which may accrue interest charges if you carry a balance, debit card transactions don't incur interest charges, making them potentially more cost-effective.

Prepaid cards for dining at restaurants

Prepaid cards have many benefits that may make them good alternatives to credit cards. Budgeting with prepaid cards may be easier as you aren't borrowing money from a lender. You load funds into the prepaid credit card, and the amount goes down every time you make a transaction. You can always load more funds into your card. A predetermined spending limit can make you more aware of your dining expenses.

Prepaid cards typically don't have credit checks, making them more accessible to individuals with limited or poor credit history. If you're unable to qualify for a traditional card, a prepaid one may be more convenient. Prepaid cards are generally accepted at most restaurants that accept major debit and credit cards.

Credit score needed for a restaurant credit card

The average credit score is 680, which qualifies Canadians for a range of good credit cards. A higher credit score makes it easier to apply for different credit cards and receive lucrative rewards and benefits, such as better interest rates, bonus rewards, additional perks, and lower repayment terms. For example, you can negotiate for a lower credit card interest rate, saving you money on interest charges.

Credit card issuers consider various factors in addition to credit score when evaluating credit card applications, including income, employment status, debt-to-income ratio, and credit history. Therefore, even with a high credit score, other factors may impact your eligibility for a restaurant credit card.

Earn rewards for dining out with KOHO

Kickstart your journey to earning rewards while dining at your favourite restaurants and dining establishments. With the KOHO virtual credit card, you have three flexible plans starting from just $4 per month. Earn cash back for every dollar spent on your meals, with bonus rewards available if you opt for a higher subscription plan.

Our goal at KOHO is to empower you to manage your spending and savings objectives while cultivating strong financial management skills. While you're out enjoying your favourite meals and trying new restaurants, you can build your credit by making timely payments on your restaurant credit card. Monitor your progress with a free credit score to assess whether you're on the right track.

Whether you're looking to earn interest through a high-interest savings account or responsibly leverage credit, we're here to provide support every step of the way. Our expert guidance helps you plan for spending and saving at different life stages. Worried about going over your limit in emergencies? Overdraft protection coverage costs as little as $2 and covers you for unexpected expenses.

Learn more about our products for individuals and KOHO products for businesses today.