Going out for drinks doesn’t have to mean blowing your entire budget. In fact, with a little planning and creativity, you can have a solid night out for just $20. The key? Targeting happy hours, using digital rewards, and knowing where to find value.

We tested this to see how far $20 could stretch in one evening—and the results may surprise you. Whether you’re new in town or a seasoned local looking to tighten up your spending, this challenge proves that a good time doesn’t need a hefty price tag.

Stop 1: Pre-game savings with a digital gift card

Start smart by picking a venue that participates in a rewards platform like Fluz. Chain restaurants with full bars—like Applebee’s, Chili’s, or BJ’s Restaurant and Brewhouse—are perfect first stops. For this challenge, we kicked things off at Applebee’s, where late-night specials often include $1 or $2 drinks.

Before heading out, we earned cashback with an Applebee’s gift card and used it to pay the tab. That alone brought our effective spend down to around $6 for two drinks and an appetizer—before cashback.

Stop 2: Hit a happy hour with strong specials

Next, we ventured to a local bar known for its extended happy hour. Many bars offer 2-for-1 wells or $3 draft beers if you hit the timing right. Websites like Happy Hour Finder or Yelp Events can help you spot the best deals around.

We grabbed two drinks for $6 and left a $2 tip. Total running spend: $14. Still in the game.

Stop 3: Nightcap with a low-budget twist

To cap off the night, we looked for a casual dive bar with no cover charge and well drinks under $5. Many neighborhood joints still run daily drink specials, especially early in the week. We landed at a local favorite with $4 tequila shots and jukebox tunes. That left just enough for a nightcap and one final tip.

Bonus move: Use a Fluz virtual card

If your final destination doesn’t take gift cards or isn’t on the Fluz store list, you can still use a Fluz virtual card via Apple Pay or Google Pay. It works at most terminals and can earn up to 1.5% cashback instantly. It’s a simple way to squeeze value from every dollar—even if you’re spending exactly $20.

The verdict: Budget drinking is completely doable

With a smart route, savvy timing, and tools like Fluz, a $20 night out isn’t just possible—it’s enjoyable. The trick is to make every decision count: pre-load savings with get rewards with a Chili’s gift card or earn cashback with a BJ’s Restaurant and Brewhouse gift card, hit happy hours, and prioritize places with no cover.

Try your own version of the $20 bar challenge and see how far your money can go. It’s a fun way to explore the city, stretch your budget, and still enjoy a great night out.