Best Restaurant Rewards Programs?

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
41 posts
FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Wed Nov 06, 2013 3:45 pm

DavidNY wrote:No WMs in NYC. I'd go with a 2% cash back card.


Walmart.com is everywhere.
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


slug
Green Member
Green Member
 
Posts: 16
Joined: Tue Aug 21, 2012 1:11 pm
Location: NC

Postby slug » Thu Nov 07, 2013 10:34 am

Tigerinroc wrote:I live in Upstate NY and I applied for US Bank Plus card over the phone. The 5% cash back for restaurant works great for me.


Yeah, I applied over phone from NC. I hate the split restaurant categories and the reward erosion has already started on this card, but I still use it.
Gas: PenFed Platinum Cash Rewards (5%)
Grocery/Gift Cards: AMEX BCP (6%)
Cell & Restaurants: US Bank Cash + (5%)
Target: Target (5%)
Hotels: SPG AMEX, Marriott Rewards Premiere VISA
Everything Else: Fidelity Investment Rewards AMEX (2%)

+ Discover and Chase Freedom for 5% cash back categories


Blogging at Sunk Costs Are Irrelevant

wiivile
Centurion Member
Centurion Member
 
Posts: 151
Joined: Mon Apr 22, 2013 10:05 pm
Location: New York, NY

Postby wiivile » Thu Nov 07, 2013 11:15 am

slug wrote:Yeah, I applied over phone from NC. I hate the split restaurant categories and the reward erosion has already started on this card, but I still use it.


Reward erosion?
    Chase Sapphire Preferred Visa Signature: 11/2013, $15,000 CL
    Chase Freedom Visa: 11/2009, $4,700 CL
    U.S. Bank Cash+ Visa Signature: 11/2013, $11,200 CL

whit
Centurion Member
Centurion Member
 
Posts: 508
Joined: Tue Aug 13, 2013 10:04 pm
Location: ca

Postby whit » Thu Nov 07, 2013 3:45 pm

actually if you spend over 11,200 in a year that would be a good option--for long term 5% def beats 2%

you don't get bonus with us bank, sapphire preferred you do

you'd have to spend 8k just to match the 400$ bonus flat, and if you spend 8k you're getting additional 160$ from sapphire if it's restaurants which means total it's 11200 you have to spend minimum in a calendar year to break even

you can always downgrade to regular sapphire and when you're in a city that has US bank, apply then

SF has quite a few

wiivile
Centurion Member
Centurion Member
 
Posts: 151
Joined: Mon Apr 22, 2013 10:05 pm
Location: New York, NY

Postby wiivile » Thu Nov 07, 2013 6:38 pm

Chase is the king of NYC, and I like them a lot. I think Sapphire is the way to go. (Though Barclay Arrival because of 2x points on EVERYTHING).

Only question is Sapphire vs Sapphire Preferred, because both are equal in terms of dining rewards. Or does Preferred give anything extra in terms of dining?
    Chase Sapphire Preferred Visa Signature: 11/2013, $15,000 CL
    Chase Freedom Visa: 11/2009, $4,700 CL
    U.S. Bank Cash+ Visa Signature: 11/2013, $11,200 CL

cashback
Centurion Member
Centurion Member
 
Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Thu Nov 07, 2013 7:07 pm

wiivile wrote:Chase is the king of NYC, and I like them a lot. I think Sapphire is the way to go. (Though Barclay Arrival because of 2x points on EVERYTHING).

Only question is Sapphire vs Sapphire Preferred, because both are equal in terms of dining rewards. Or does Preferred give anything extra in terms of dining?


Preferred gives extra when redeeming.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

wiivile
Centurion Member
Centurion Member
 
Posts: 151
Joined: Mon Apr 22, 2013 10:05 pm
Location: New York, NY

Postby wiivile » Thu Nov 07, 2013 7:39 pm

cashback wrote:Preferred gives extra when redeeming.


Thought that was just for travel, not dining... how would you redeem points for dining?
    Chase Sapphire Preferred Visa Signature: 11/2013, $15,000 CL
    Chase Freedom Visa: 11/2009, $4,700 CL
    U.S. Bank Cash+ Visa Signature: 11/2013, $11,200 CL

cashback
Centurion Member
Centurion Member
 
Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Thu Nov 07, 2013 9:00 pm

wiivile wrote:Thought that was just for travel, not dining... how would you redeem points for dining?


You earn points for dining.

When you redeem, you get more with CSP vs. CS or Freedom.

If you only have the freedom, you can only redeem for cash back.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

whit
Centurion Member
Centurion Member
 
Posts: 508
Joined: Tue Aug 13, 2013 10:04 pm
Location: ca

Postby whit » Thu Nov 07, 2013 9:05 pm

main differences?

sapphire preferred gives you 7% dividend, on points at year end, regardless of whether you redeemed or not. doesn't apply to balance transfers, things of that nature.

sapphire preferred doesn't charge for any transactions done in non-US currency (because I have brought stuff and apparently was charged in canadian dollars, and so even though I was in US, shipped to US.. versus something I brought in japan and they charged me in US dollars, I wasn't charged a fee for that..)

sapphire preferred also is made of tougher stuff :)

other then that, not much difference. 2 pts for dining/traveling, 3x for first friday (current promo). 1 pt for everything else.

ETA, redeeming pts, its 20% off for CSP on ultimate rewards site

wiivile
Centurion Member
Centurion Member
 
Posts: 151
Joined: Mon Apr 22, 2013 10:05 pm
Location: New York, NY

Postby wiivile » Thu Nov 07, 2013 9:17 pm

ok thanks, i'm going to have to research whether this is worth a $95 annual fee
    Chase Sapphire Preferred Visa Signature: 11/2013, $15,000 CL
    Chase Freedom Visa: 11/2009, $4,700 CL
    U.S. Bank Cash+ Visa Signature: 11/2013, $11,200 CL



Return to “Rewards”

Who is online

Users browsing this forum: No registered users and 1 guest