Best Restaurant Rewards Programs?

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
41 posts
whit
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Location: ca

Postby whit » Thu Nov 07, 2013 9:23 pm

my pleasure

i would take a look at my expenses, my purchases and see if its worth 95$ but at the very least, the initial bonus is great. my recommendation is always to wait to apply for this card if you have a big trip (overseas) coming up, apply for it before you purchase tickets and such, that should take care of the 2k requirement and if not, when you are over there, i'm sure your spendage should get the 2k.

then, when you use the card, see if you do make non-US dollar purchases often, or go overseas a lot. 3% makes a BIG difference if its frequent.

you say you eat out a lot, I can relate, but without the FT fee, its not worth it for me. I would if I travel a few times a year overseas..some of the clients I recommend to get CSP, do.


wiivile
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Postby wiivile » Thu Nov 07, 2013 11:42 pm

i thought it was a 3k spend requirement not 2k?
    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
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Postby whit » Fri Nov 08, 2013 12:05 am

2k in the branch, also if you apply after nov 17th (I believe, don't quote me on that)

you will get the chance to add an AU and get additional 5k points like how united mileage does

nvtech
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Location: USA/North Carolina

Postby nvtech » Fri Nov 08, 2013 12:08 am

How about a Discover it ?
In the short term, they have it as 5% on restaurants for Jan-March 2014. May be it would cover you for another quarter.
In the long term Cash+ might be the only best option if you strictly speak about Cashback only cards.

As others have talked about the CSP, it might be a good option if you travel.

I personally use Citi Forward but unfortunately its dead now.Not sure how long CITI will keep it alive for existing users.

wiivile
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Location: New York, NY

Postby wiivile » Fri Nov 08, 2013 12:40 am

My current card is Freedom w/ Chase Checking, so no need for Discover it... I have the 5% restaurant quarter with the Freedom. Outside of that quarter, I think I'll use Sapphire or Sapphire Preferred. Honestly I'm kind of a newbie to travel rewards/airline programs so the CSP is kind of confusing.
    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

wiivile
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Location: New York, NY

Postby wiivile » Fri Nov 08, 2013 7:23 am

whit wrote:2k in the branch, also if you apply after nov 17th (I believe, don't quote me on that)

you will get the chance to add an AU and get additional 5k points like how united mileage does


hmm, are they going to be sweetening up their sign up bonus on nov 17?
    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

wiivile
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Postby wiivile » Tue Nov 19, 2013 11:48 pm

OK, after calling about 10 U.S. Bank branches as well as their general number, it appears that I really can't apply for the Cash+ over the phone and need to travel 600 miles to a branch. Ridiculous.

I also can't get the Citi Forward because I'm not a student.

Given this b.s., what is my next best option for dining rewards during the 9 months of the year where the Freedom is not giving me 5% on restaurants?
    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
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Location: NY

Postby cashback » Wed Nov 20, 2013 12:45 am

Go for CSP then if you dont mind an AF.
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
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Postby wiivile » Wed Nov 20, 2013 1:51 am

cashback wrote:Go for CSP then if you dont mind an AF.


Since I can't get the Cash+ and can't get the Forward, are there any other good restaurant cards that don't have an AF? Having an AF would just cancel out the bonus I get from eating at restaurants...

Really, the Cash+ is an amazing card if you eat out a lot because it can get you $425 cash back a year in restaurant spending alone AND has no AF. Then you get all the 2% and 1% bonuses. I really want it...
    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

takeshi
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Location: US

Postby takeshi » Wed Nov 20, 2013 7:59 am

Keep in mind that there's no AF for the first year with the CSP. If you can get the sign on bonus then you'd have several years of AF's before breaking even without even considering your spend.

Also, CSP's dining includes fast food, coffee shops, etc. Cash+ does not include these.

wiivile wrote:Really, the Cash+ is an amazing card if you eat out a lot because it can get you $425 cash back a year in restaurant spending alone AND has no AF. Then you get all the 2% and 1% bonuses. I really want it...

But not for 600 miles so it's a moot point.

If you can max out the restaurant rewards on the Cash+ then you'd have no problems offsetting the AF of the CSP and that's just assuming a statement credit which isn't the most effective way to redeem CSP UR points.



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