If you charge that specific itinerary to the card, max four visits per year, almost no U S airport locations ... okay. Maybe I'm just not compulsive enough regarding FTF, but 15 cents on a 15 dollar lunch really doesn't bother me. Charging an odd amount so that Hilton's 50% elite bonus doesn't divide perfectly, so I lose a point or two does annoy me; I round my Rewards Network tips as well for odd amounts to get max miles/points. Life is full of trade-offs.

Here's hoping First Tech has offline PIN above signature!