Best Restaurant Rewards Programs?

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41 posts
wiivile
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Best Restaurant Rewards Programs?

Postby wiivile » Tue Nov 05, 2013 10:50 am

I need a second credit card to increase my total credit limit. As a New Yorker living in a tiny apartment with practically no kitchen, I eat out almost every night. My credit card statement is about 75% restaurants, and so I would like to find a card that gives me extra points on restaurants.

I currently have the Chase Freedom, which gives me 5% cash back on restaurants, but only for one quarter of the year. The rest of the year it's just 1 point.

I've heard good things about the Chase Sapphire card, which gives 2x points on restaurants (I don't think I would need the "Preferred" card, because I don't like annual fees and don't travel much.)

Any other cards good 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


TheLethargicAge
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Postby TheLethargicAge » Tue Nov 05, 2013 11:23 am

U.S. Bank Cash+ gives you 5% cash back (not points) on both restaurants and fast food; however, they are considered 2 separate categories.
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

DavidNY
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Postby DavidNY » Tue Nov 05, 2013 2:05 pm

TheLethargicAge wrote:U.S. Bank Cash+.


"Apply in Branch Only" https://www.usbank.com/credit-cards/cash-plus-signature.html

A flat 2% cash back card is a good option.

TheLethargicAge
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Postby TheLethargicAge » Tue Nov 05, 2013 7:42 pm

DavidNY wrote:"Apply in Branch Only"


There's a branch in Newark. Road trip!
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

TheLethargicAge
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Postby TheLethargicAge » Tue Nov 05, 2013 7:46 pm

Never mind. It's just an ATM.
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

DavidNY
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Postby DavidNY » Tue Nov 05, 2013 8:03 pm

There's a U.S. Bank branch at MSP (St. Paul, MN airport) so if I fly near there I can drop in :)

wiivile
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Postby wiivile » Wed Nov 06, 2013 7:24 am

Wow, they're really limiting themselves forcing you to come to the branch...
    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

FutureBillionaire
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Postby FutureBillionaire » Wed Nov 06, 2013 10:35 am

The Citi Forward was an awesome option, but it has been nerfed and discontinued. You also have the Citi TYP that gives 2 points on dining and entertainment. I use Citi cards enough to earn good rewards with them and redeem for Walmart gift cards.
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

DavidNY
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Postby DavidNY » Wed Nov 06, 2013 11:16 am

FutureBillionaire wrote:You also have the Citi TYP that gives 2 points on dining and entertainment. I use Citi cards enough to earn good rewards with them and redeem for Walmart gift cards.


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

Tigerinroc
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Postby Tigerinroc » Wed Nov 06, 2013 12:20 pm

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.
Groceries:AMEX Blue Cash Preferred 6%, 20K
AMEX Blue Everyday 3%, 20K
Restaurant: US Bank Cash Plus 5% (Rotating), 14K
Chase Amazon.com Rewards 2%, 5.8K
Gas: PenFed Cash Reward, 16k
BOA Platinum Visa Reward 5% (Rotating), $10K
Discover IT 5% (Rotating), 6.7K
Hotel: Chase Marriott Premium Rewards, 21K
Everything Else: BOA Travel Rewards 1.5%, 15K
Just to earn $100/year: BOA Better Balance, 10K



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