Best Restaurant Rewards Programs?

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
41 posts
Sevenfeet
Centurion Member
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Posts: 532
Joined: Thu Jan 17, 2013 7:20 pm
Location: United States

Postby Sevenfeet » Wed Nov 20, 2013 8:11 am

wiivile wrote: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.


Ridiculous, maybe...but this has been their policy for a long time. The reason is that they would like to shake your hand and offer you more services than just a credit card. I admit, there are nice people in my local branch when I applied and I thought long and hard about switching my checking services. But at the end of the day, US Bank's website is still too primitive and BofA has far more ATMs where I won't have to spend a fee.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)


FutureBillionaire
Centurion Member
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Posts: 1590
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Wed Nov 20, 2013 10:49 am

wiivile wrote: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.


I highly recommend getting both of these cards. They both have their merits. ShopDiscover will change the way you shop oinline.
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
Centurion Member
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Posts: 1590
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Wed Nov 20, 2013 10:51 am

Sevenfeet wrote:Ridiculous, maybe...but this has been their policy for a long time. The reason is that they would like to shake your hand and offer you more services than just a credit card. I admit, there are nice people in my local branch when I applied and I thought long and hard about switching my checking services. But at the end of the day, US Bank's website is still too primitive and BofA has far more ATMs where I won't have to spend a fee.


Why not move your money there and then keep an account with a bank that allows you free atm withdrawals? Also, doesn't BofA generally stink?
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

barrytuneup
Green Member
Green Member
 
Posts: 3
Joined: Wed Jul 17, 2013 6:15 pm
Location: land of taxes

Postby barrytuneup » Thu Nov 21, 2013 8:32 pm

discover will offer 5% rest for the first Q 2014.

GoCreditGo!
Centurion Member
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Posts: 230
Joined: Tue Nov 05, 2013 1:48 pm
Location: Seattle WA

Postby GoCreditGo! » Thu Nov 21, 2013 8:46 pm

I don't have any fees with BOA, unless I visit the teller. Seems to be a decent plan I am on.

FutureBillionaire wrote:Why not move your money there and then keep an account with a bank that allows you free atm withdrawals? Also, doesn't BofA generally stink?

PhoenixDown
Platinum Member
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Posts: 62
Joined: Wed Aug 07, 2013 9:05 pm
Location: NYC

Postby PhoenixDown » Sun Nov 24, 2013 6:48 pm

Same boat as the original poster, but I've settled on the CSP for dining rewards.

luffy932
 
Posts: 1
Joined: Sun Dec 08, 2013 11:50 am
Location: Seattle, WA

Postby luffy932 » Sun Dec 08, 2013 11:18 pm

US Bank Cash + might let you snag restaurants as one of the 5% categories each quarter

sj632
Gold Member
Gold Member
 
Posts: 46
Joined: Tue Nov 26, 2013 6:36 pm
Location: The Moon

Postby sj632 » Mon Dec 09, 2013 3:40 pm

To add to what has already been said about the CSP since you are in nyc if you take taxis or mta i am sure those charges would add up as well and I am pretty sure they count as 2x for travel. Plus the sign up bonus really covers the AF for 4 years

cpaynter
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Posts: 17
Joined: Mon Mar 15, 2010 7:27 pm
Location: chicago area

Postby cpaynter » Mon Dec 16, 2013 1:15 pm

luffy932 wrote:US Bank Cash + might let you snag restaurants as one of the 5% categories each quarter


This is what I've been doing with the Cash+ since the start; whenever a different card (Freedom, Discover, Citi) doesn't have restaurants as a 5% category, I select Restaurant on my Cash+. Note however, that the Cash+ distinguishes between Restaurant and Fast Food, and sometimes the distinction is not so clear, so to be completely covered you have to choose both Restaurant and Fast Food as Cash+ categories.

Chris.

wiivile
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Joined: Mon Apr 22, 2013 10:05 pm
Location: New York, NY

Postby wiivile » Mon Dec 16, 2013 3:29 pm

cpaynter wrote:This is what I've been doing with the Cash+ since the start; whenever a different card (Freedom, Discover, Citi) doesn't have restaurants as a 5% category, I select Restaurant on my Cash+. Note however, that the Cash+ distinguishes between Restaurant and Fast Food, and sometimes the distinction is not so clear, so to be completely covered you have to choose both Restaurant and Fast Food as Cash+ categories.

Chris.


I got my Cash+ card and even though it gives 5x cash back on restaurants/fast food with no annual fee, my CSP is begging to be used more (despite only 2.14x) because UR points are so much more awesome than simple cash back......... (Plus I can use my Freedom during its 5% restaurant quarter and transfer the points to CSP).

(Quarterly)
2.14%+5.5%+2.14%+2.14% in UR points versus...
5%+5%+5%+5% in straight cash back

Which is better?

CSP+Freedom vs Cash+ is a very tough choice for me.
    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



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