Anyone offer to pay the tab at the table?

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ivotedale
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Anyone offer to pay the tab at the table?

Postby ivotedale » Wed Feb 29, 2012 11:31 pm

Being that some rewards cards have annual fees and/or 5% bonus categories, do you foot the bill purposely?

To rephrase, I have the foodie pack via Amex Zync charge card, so I get 2x points on anything categorized as a restaurant/food establishment. Also, I have a few close friends that work in front-of-house in the restaurant industry, so they always carry a good amount of cash from their tips.

So for me to take advantage of the situation, I'll typically offer to pay the entire bill w/ my card, but have everyone else pay me back his/her share of the bill in cash after we're done. I do this with close friends/acquaintances of course; wouldn't do this on business/dates (haha!).

This typically adds up quick as far as points/cashback go- I earned a lot of cash back on gas station visits too so far w/ my Chase Freedom 5%!

Anyone else do something similar for points sake?
Currently: American Express Blue Sky, American Express Zync, Chase Freedom Visa, Capital One Newcomers--->converted to Capital One Quicksilver Mastercard NO AF


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bisbicos
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Postby bisbicos » Thu Mar 01, 2012 12:21 am

Haha yup I do the very same thing. I also offered to book our spring break cruise on my forward card through the thank-you website. Got 3x points for it. Earned a cool 4,800 points for doing so
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

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US Bank Cash +
Chase Ink

jeffysdad
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Postby jeffysdad » Thu Mar 01, 2012 6:37 am

Being someone who loves racking up cc points, I can completely understand why you would do this. As long as your friends are OK with it, I think it's great. I would do the same except there are few things in a restaurant that I hate more than doing math and tossing bills back and forth at the end of a meal. Someone almost always gets shortchanged (or thinks he/she did).

If I'm with a group everyone tosses his/her card in and we tell the server to split the check in thirds, quarters, whatever is appropriate. Everyone tips on his/her amount. We don't ask for individual diner tallies/checks. Sometimes with one friend we'll split down the middle. If it's someone I eat with on a regular basis, we'll just take turns paying.

Sometimes you come out ahead, sometimes not. When I was younger and money was tighter this would have bothered me. Now I just want to get the check paid as discretely as possible.
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.

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Postby Money card » Sat Mar 03, 2012 11:03 am

When Discover has the 5% cash back in the restaurant category I usually eat alone, in fact since I have my own place I go out by myself.

Last month me and my friend who is also my accountant, I was with him and he bought his kids, we were hanging out at the palisades mall at Dave and Busters. I was short cash so my friend opted to put the dinner bill on his card, I did ask him if he would want me to use my card but he said he would use his. Like I said when Discover does have the 5% cash back in restaurants I will be alone.

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bisbicos
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Postby bisbicos » Sat Mar 03, 2012 7:15 pm

Money card wrote:When Discover has the 5% cash back in the restaurant category I usually eat alone, in fact since I have my own place I go out by myself.

Last month me and my friend who is also my accountant, I was with him and he bought his kids, we were hanging out at the palisades mall at Dave and Busters. I was short cash so my friend opted to put the dinner bill on his card, I did ask him if he would want me to use my card but he said he would use his. Like I said when Discover does have the 5% cash back in restaurants I will be alone.


Uh what???
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

Money card
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Postby Money card » Sat Mar 03, 2012 11:35 pm

I go out by myself so I don't treat anybody to get any bonus points on any of my credit cards, no footing the bill here.

ivotedale
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Postby ivotedale » Mon Mar 05, 2012 1:19 pm

As I mentioned, I'll certainly do this within my group of close friends, who are more than happy to help out with my points excursion- never with new acquaintances, business lunches, etc.

There's another similar situation, though certainly more risque- a close friend used to bartend/serve at a higher-tier restaurant; thought it would be great for me to pay for my normal meal total, but tip an absurd amount (let's say $100) on top of the original $20 bill.

So in essence, if I'm getting 2x points back on restaurants, I would get 240 points (double 120). After he got off work, he would give me back the $100. Certainly, he would have to claim his tips, so he'd lose some money there, but wouldn't mind paying for it.

Sort of a crazy idea, which I don't think I'll ever do, since someone ends up paying for those points.
Currently: American Express Blue Sky, American Express Zync, Chase Freedom Visa, Capital One Newcomers--->converted to Capital One Quicksilver Mastercard NO AF

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Postby Celestine » Sat Mar 17, 2012 10:35 pm

ivotedale wrote:Being that some rewards cards have annual fees and/or 5% bonus categories, do you foot the bill purposely?

To rephrase, I have the foodie pack via Amex Zync charge card, so I get 2x points on anything categorized as a restaurant/food establishment. Also, I have a few close friends that work in front-of-house in the restaurant industry, so they always carry a good amount of cash from their tips.

So for me to take advantage of the situation, I'll typically offer to pay the entire bill w/ my card, but have everyone else pay me back his/her share of the bill in cash after we're done. I do this with close friends/acquaintances of course; wouldn't do this on business/dates (haha!).

This typically adds up quick as far as points/cashback go- I earned a lot of cash back on gas station visits too so far w/ my Chase Freedom 5%!

Anyone else do something similar for points sake?


I do offer to pay the tab for the table; just to help the waiter/waitress from doing all those calculations for each of us.

BUT I try not show them what card I use to pay the tab. Some people might use it against me so I will pay the tab everytime we go out.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln

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Postby JCarter » Wed Mar 21, 2012 12:34 am

I am a partner in a law firm with an international presence, and reguarly send my cards out with associates taking clients out, or I pick up the tab at meetings, just to get the points or cash back. Even though, it all gets reimbursed through expense reports.

I have no problem letting my firm pay for dinner, and taking advantage of free MR points.

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FastSRT8
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Postby FastSRT8 » Tue Apr 24, 2012 6:09 pm

It all depends on who is inviting whom.
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