- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
Citi Forward is a popular card for dining, but Citi's ThankYou points don't necessarily equal 1% each. You should look into what you can redeem besides what you can earn when weighing various programs. In other words, if they say five points per dollar, it doesn't necessarily mean a 5% reward.
The Amazon card, besides paying 3% on Amazon purchases, pays 2% on restaurants with no cap. I think the Citi Forward card is the only one that could beat that of the cards I know of, but there are others out there that would match it.
If you spend a lot on groceries and gas, then I would consider the upgraded Amex Blue Cash, the one you pay a fee for, as the rewards in these categories are very generous.
I prefer cash rewards myself because I like the simplicity. However, if you're willing to do the research, you can increase your benefit (percentage return) by redeeming for services/merchandise that may be available at a discount from what they would cost were you to buy them with cash. Obviously, the benefit of this is diminished if you're redeeming for things you don't really want/need just to use your points.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.