AARP super bonus?

[longtimelurker]

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@go_FICO_self wrote:

humor me this kind folks of fico forums: why is a 3% restaurant card so important when 2% cards on dining (or not exclusively) are dime a dozen!

and before you jump up and say: "but you get 1% extra cashback!", to which i reply with, why don't you leave 1% less tip then? say, on a $50 meal that amounts to giving 50 cents less tip. and given the tip percents, i think there is that wiggle room.

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Yes, most of these things make a "real" difference only on large volume, and sometimes not even then (My fave was the rush to go from the Discover More, with its poxy 0.25% reward on first $3K a year, to the It, which pays 1%.  Difference is $22.50 a year max, but LOTS of excitement)

So no real difference unless you are putting large volume through the cards, but for convenience.   With your argument, I can get a non-rewards card to benefit from a low APR and tip 10% rather than 15% and do much better.

[Brusilov]

To be clear this card only covers 3% for restaurants, correct?  Not fast food?

[ecxpa]

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@go_FICO_self wrote:

humor me this kind folks of fico forums: why is a 3% restaurant card so important when 2% cards on dining (or not exclusively) are dime a dozen!

and before you jump up and say: "but you get 1% extra cashback!", to which i reply with, why don't you leave 1% less tip then? say, on a $50 meal that amounts to giving 50 cents less tip. and given the tip percents, i think there is that wiggle room.

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Duhhhhhh......there's absolutely no point here....nor advice

[longtimelurker]

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@wacdenney wrote:

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I always want to maximize rewards.  

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Really?  You don't seem to have the reward maximization card(s) of the day!  So you must mean within some constraints

[wacdenney]

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@longtimelurker wrote:

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@wacdenney wrote:

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I always want to maximize rewards.  

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Really?  You don't seem to have the reward maximization card(s) of the day!  So you must mean within some constraints

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Unfortunately I don't qualify for every card I apply for.  Other cards give the best rewards I qualify for at the time and then I get a better card to replace them but I don't always close them. 

But yes...  Given the "constraints" of what cards I can get approved for I will always choose the card that offers the best rewards.  My PayPal card as an example used to be my go to for dining at ~2.5% but now I no longer use it for dining because I have 3% available on AARP.  Yes I could short change the server on the tip i suppose, but why not just use the card that earns the best rewards FOR ME.  Yes, FOR ME...  It could be argued if I was someone who flies alot that CSP would be better for dining, but for me it's not.

I realize there are 5% cards available for dining.  I have seen themanwhocan's chart.  I have applied for several of these and been denied.  For now, AARP is the best I can do.

[go_FICO_self]

Re ltl: my argument wouldn't imply going from 15% to 10% as that is going against social norms. 1% gives you enough wiggle room to stay within the norms.

The volume makes sense. So does something like, I frequent X often, and I pay Y% tip. And this card gives most reward than others.

But my general point is that restaurant total bill is not fixed like gas or groceries and you can easily get back that 1% from elsewhere.

On the phone so can't quote.

[longtimelurker]

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@go_FICO_self wrote:
Re ltl: my argument wouldn't imply going from 15% to 10% as that is going against social norms. 1% gives you enough wiggle room to stay within the norms.

The volume makes sense. So does something like, I frequent X often, and I pay Y% tip. And this card gives most reward than others.

But my general point is that restaurant total bill is not fixed like gas or groceries and you can easily get back that 1% from elsewhere.

On the phone so can't quote.

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Remember that people here are also looking for restaurant cards for fast food places, where a tip may not be involved.  Of course there, the difference between 2 and 3 % can be very small.

[go_FICO_self]

True. But then we're back to your Discover argument.

[chalupaman]

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@Brusilov wrote:

To be clear this card only covers 3% for restaurants, correct?  Not fast food?

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It covers fast food too.