Best restaurant gift card: Darden Restaurants ( DRI)

Denominations: $10-$250

Purchase fee: No

Monthly fees or expiration date: No

Some nights you want to dress up and eat a 24-ounce porterhouse. Some nights you want to go to the take-out counter in your pajamas and pick up your "Tour of Italy." Fortunately, populist chain Darden Restaurants recognizes the need for both.

Where other chains wage class warfare by dividing their gift cards between high-end offerings and their low-budget casual counterparts, Darden cards can buy all-you-can-eat shrimp at Red Lobster or a Delmonico steak at the Capital Grille.

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