Restaurants vs. fast food categories with US Bank?

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netwolf
 
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Restaurants vs. fast food categories with US Bank?

Postby netwolf » Tue Oct 16, 2012 12:35 pm

I got the US Bank Cash Plus card really for the bill pay 5% but I also want to use it for eating out. I want to get the 5% so I thought I was going to choose Restaurants but now they have a Fast Food category as well?? I was bummed because I was hoping to get a general Restaurant categories that would get us, for example, 5% on McDonalds and 5% on PFChangs?

We tend to eat out a lot at Qdoba, Chipolte, McDonalds, and PF Changs and every now and then Outback and Carrabbas.

Anyone have experience with the two categories and which on is best to choose to get the most benefits for this card?


FutureBillionaire
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Postby FutureBillionaire » Fri Oct 19, 2012 10:31 am

I'd be interested to hear the answer. Personally, I went with restaurants because I have other cards that give me cash back everywhere. You will probably spend more at a sit down restaurant than a fast food spot, so I feel that it makes sense to choose that category.
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Plane tickets: CSP
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Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
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jeffysdad
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Postby jeffysdad » Fri Oct 19, 2012 10:40 am

What FB said. That's exactly what I did, too. I use Fidelity Amex when I go to McDonald's.
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.

LadyinRed
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Postby LadyinRed » Fri Oct 19, 2012 11:42 am

I had FB's logic as well, thinking that 5% at sit down restaurants would be better because you spend more. However, my husband and I really only go out to dinner like once a month, while I eat at fast food & counter service a lot for my lunch break at work. I think I might change next quarter.

Also - as far as I know, the restaurants and fast food have always been two categories - at least it has been since I joined in July.
AMEX: Blue Cash Preferred (6% on groceries, 3% gas & dept stores)
Capital One: Venture (2 points per $1, equivalent to 2%)
Chase: Freedom (rotating 5% categories), Disney Rewards (1 point per $1, Disney benefits)
US Bank: Cash+ (5% bookstores / 5% Electronic Stores)

Money card
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Postby Money card » Fri Oct 19, 2012 8:53 pm

I also agree with Future Billionaire.

MemberSince99
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Postby MemberSince99 » Sat Oct 20, 2012 7:29 am

Do the math. Estimate how much per month you would spend on restaurants vs fast food and choose accordingly.

In my case I go out to lunch every day (gets me out of the office for one thing) but it's always a low dollar affair at Subway or the like. I go out to eat at a restaurant maybe once a month or every other month. I would clearly spend more at a restaurant but the overall dollars in my case were in favor of the fast food category.

FutureBillionaire
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Postby FutureBillionaire » Sat Oct 20, 2012 1:41 pm

MemberSince99 wrote:Do the math. Estimate how much per month you would spend on restaurants vs fast food and choose accordingly.

In my case I go out to lunch every day (gets me out of the office for one thing) but it's always a low dollar affair at Subway or the like. I go out to eat at a restaurant maybe once a month or every other month. I would clearly spend more at a restaurant but the overall dollars in my case were in favor of the fast food category.


I wonder if Subway is a restaurant, or fast food.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

FutureBillionaire
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Postby FutureBillionaire » Sat Oct 20, 2012 1:44 pm

LadyinRed wrote:I had FB's logic as well, thinking that 5% at sit down restaurants would be better because you spend more. However, my husband and I really only go out to dinner like once a month, while I eat at fast food & counter service a lot for my lunch break at work. I think I might change next quarter.

Also - as far as I know, the restaurants and fast food have always been two categories - at least it has been since I joined in July.


That makes sense. I have a Citi Forward and a Discover Miles card that gives me good points on dining period. I recommend a card that gives bonus points on dining.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

trumpet-205
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Postby trumpet-205 » Sat Oct 20, 2012 4:15 pm

I recommend you get Citi Forward and pick another 5% category.
In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

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Postby Money card » Sat Oct 20, 2012 4:18 pm

FutureBillionaire wrote:I wonder if Subway is a restaurant, or fast food.


I can answer this. Fast food is actualy considered a restaurant. places like Burger King, Wendys Subway actualy are restaurants.
even starbucks and dunkin donuts are considered a restaurant.
now if in the situation that a particular credit card company divides like US Bank divides restaurants from fast food subway will fall under
fast food because there are no waiter or waitresses service like if you go to a place like California Pizza kitchen this is more of a restaurant like Ruby Tuesdays and Buffalo wild wings. where you get waiter or waiteres service but Blimpies , Subway, Burger King, Wendys ect fall under fast food.



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