A good cash back CC for restaurants (aside from Citi Forward)
Nov 17, 2012, 8:32 am
#3
Join Date: Aug 2012
Location: BOS
Programs: Chase Ultimate Rewards
Posts: 624
A good cash back CC for restaurants (aside from Citi Forward)
The U.S. Bank Cash+ allows you to set two categories at 5% cash back. Restaurants is one of those options. Every redemption of $100 cash back earns a $25 Visa card, so the real rate is 6.25%.
Nov 17, 2012, 8:35 am
#4
Join Date: Jan 2012
Posts: 757
Although Forward seems pretty good to me, just do the student loan/mortgage options. Some have reported you can just designate the bank where your checking account is as your "mortgage" and just deposit the check in your account. I have never tried that and would do a small trial first.
CSP is 2.14x, seems like a waste to take UR points for cash but it can be done.
Short of that, its buy gift cards with Ink or BCP (now capped) at Office stores or Groceries.
Finally, there is US Bank Cash+ - although fast food is separate from restaurants for picking categories, so you would use both of your 5% categories in that instance.
http://www.flyertalk.com/forum/credi...ture-card.html
CSP is 2.14x, seems like a waste to take UR points for cash but it can be done.
Short of that, its buy gift cards with Ink or BCP (now capped) at Office stores or Groceries.
Finally, there is US Bank Cash+ - although fast food is separate from restaurants for picking categories, so you would use both of your 5% categories in that instance.
http://www.flyertalk.com/forum/credi...ture-card.html
Nov 17, 2012, 8:56 am
#5
Join Date: Aug 2012
Posts: 193
Originally Posted by dcpilgrim:19700150
Although Forward seems pretty good to me, just do the student loan/mortgage options. Some have reported you can just designate the bank where your checking account is as your "mortgage" and just deposit the check in your account. I have never tried that and would do a small trial first.
Nov 17, 2012, 9:06 am
#6
Join Date: Jan 2012
Posts: 757
http://www.flyertalk.com/forum/credi...t-state-3.html
Also:
http://www.fatwallet.com/forums/fina...query=checking
Nov 17, 2012, 9:32 am
#7
Join Date: Aug 2012
Posts: 193
Originally Posted by dcpilgrim:19700273
http://www.flyertalk.com/forum/credi...t-state-3.html
Also:
http://www.fatwallet.com/forums/fina...query=checking
Nov 18, 2012, 1:12 pm
#8
Join Date: Sep 2005
Location: SEA
Programs: DL, SPG, UA.
Posts: 230
Besides the previously mentioned USBank Cash +, I don't know of any, and I have looked around as dining is my largest single spend category. The problem with the cash + is for it to be effective you essentially have to select both the restaurant and fast food categories. Otherwise you'll have some 5% leakage.
I find the Cash + categories better for things like bill pay and hotels (given my spend patterns).
Outside of hitting min spend requirements, all my dining, amazon, and itunes goes on the forward card. Use SLR or Mortgage rebate for 5% cash back, or pair with TY Premier card for 6.66% rebate on purchased flights. I have not found a better rebate rate for dining.
I find the Cash + categories better for things like bill pay and hotels (given my spend patterns).
Outside of hitting min spend requirements, all my dining, amazon, and itunes goes on the forward card. Use SLR or Mortgage rebate for 5% cash back, or pair with TY Premier card for 6.66% rebate on purchased flights. I have not found a better rebate rate for dining.
Nov 18, 2012, 1:55 pm
#9
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
Outside of hitting min spend requirements, all my dining, amazon, and itunes goes on the forward card. Use SLR or Mortgage rebate for 5% cash back, or pair with TY Premier card for 6.66% rebate on purchased flights. I have not found a better rebate rate for dining.[/QUOTE]
That's how I use it too. Forward card points all go to my Premier card for air flights.
That's how I use it too. Forward card points all go to my Premier card for air flights.
Last edited by jjmiller69; Nov 19, 2012 at 7:47 am
Nov 18, 2012, 6:21 pm
#10
Join Date: Oct 2010
Location: San Diego, Ca
Programs: AA 2MM LT PLT; AS MVP Gold75k; HHonors Diamond; IHG PLT
Posts: 3,502
idine.com is a good option for dining CB; requires some work to identify participating establishments, but well wrth the hassle if you dinout regularly.
Nov 19, 2012, 12:38 am
#11
Original Poster
Join Date: May 2012
Posts: 605
Yea, since I do not fly, the TY pts. are not worth that much to me. I am trying to obtain the Chase Amazon card for 3% CB and will switch my USB Cash + to restaurants next quarter.
Never found too many great restaurants at idine.
Never found too many great restaurants at idine.
Dec 12, 2012, 3:53 am
#12
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Flyertalk is not the best place to seek card advice if you do not travel. However, if you link your ThankYou account to your Amazon account you can redeem TYP for Amazon purchases at $0.008 per point. 5 x .008 = 4% vs the 2% offered by the Chase Amazon card in the dining category.
Dec 12, 2012, 9:50 am
#13
Join Date: Oct 2008
Location: New York, NY
Programs: Hilton, Hyatt, Marriott
Posts: 240
Flyertalk is not the best place to seek card advice if you do not travel. However, if you link your ThankYou account to your Amazon account you can redeem TYP for Amazon purchases at $0.008 per point. 5 x .008 = 4% vs the 2% offered by the Chase Amazon card in the dining category.
Dec 12, 2012, 10:17 am
#14
Join Date: May 2010
Posts: 189