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Valued Contributor
kevinjjc
Posts: 1,310
Registered: ‎01-14-2009
0

Re: Best restaurant card


improvingmycredit wrote:

flowfaster wrote:

The Cash+ would be the best if you set both your choices restaurant and fast food(includes starbucks).  You would essentially get 6.25 with the $25 bonus. :smileytongue:


Great card too!  :smileyhappy:


+1 :smileyhappy:

Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012
0

Re: Best restaurant card

[ Edited ]

how about paypal mastercard or priceline visa??? anyone have these cards??... i don't think i can get approved for citi or us bank yet... am tryin a lender that will pull TU and planning to apply once my last collection falls but would still have 2 charged offs from 6 years ago....


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
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Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
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Re: Best restaurant card


kevinjjc wrote:

improvingmycredit wrote:

flowfaster wrote:

The Cash+ would be the best if you set both your choices restaurant and fast food(includes starbucks).  You would essentially get 6.25 with the $25 bonus. :smileytongue:


Great card too!  :smileyhappy:


+1 :smileyhappy:


While it is a great card, using two 5% options on eating has some opportunity costs (most likely, giving up bill pay).   I would try to estimate spending on fast food, restaurants, and one or two of the other 5% options.   With US Bank, each of these can earn 6.25%,  with Citi Forward you can free the 5% options up for other things.

So depends, as always, on how much you spend on what!   I can imagine cases where keep restaurants and bill pay for Cash Plus, and Citi for fast food, e.g. where you spend enough on restaurants to make the extra 1.25% worthwhile, and you don't have a pressing need for another Cash Plus category.

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HiLine
Posts: 2,850
Registered: ‎10-19-2012
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Re: Best restaurant card


flowfaster wrote:

The Cash+ would be the best if you set both your choices restaurant and fast food(includes starbucks).  You would essentially get 6.25 with the $25 bonus. :smileytongue:


Does the card regard sandwich shops as restaurants or fast food do you know? 

Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
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Re: Best restaurant card


HiLine wrote:

flowfaster wrote:

The Cash+ would be the best if you set both your choices restaurant and fast food(includes starbucks).  You would essentially get 6.25 with the $25 bonus. :smileytongue:


Does the card regard sandwich shops as restaurants or fast food do you know? 


You would have to use something like

 

http://visa.via.infonow.net/locator/usa/supplier/NewSearch.do

 

to see.   I have been surprised at a number of locations (generally to find what I thought MUST be fast food is classified as a restaurant.)

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HiLine
Posts: 2,850
Registered: ‎10-19-2012
0

Re: Best restaurant card


bs6054 wrote:

HiLine wrote:

flowfaster wrote:

The Cash+ would be the best if you set both your choices restaurant and fast food(includes starbucks).  You would essentially get 6.25 with the $25 bonus. :smileytongue:


Does the card regard sandwich shops as restaurants or fast food do you know? 


You would have to use something like

 

http://visa.via.infonow.net/locator/usa/supplier/NewSearch.do

 

to see.   I have been surprised at a number of locations (generally to find what I thought MUST be fast food is classified as a restaurant.)


Thanks for the useful link, though I doubt I'll use it much, as I like to try out many different eateries on a regular basis. :smileyhappy:

Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
0

Re: Best restaurant card


HiLine wrote:

bs6054 wrote:

HiLine wrote:

flowfaster wrote:

The Cash+ would be the best if you set both your choices restaurant and fast food(includes starbucks).  You would essentially get 6.25 with the $25 bonus. :smileytongue:


Does the card regard sandwich shops as restaurants or fast food do you know? 


You would have to use something like

 

http://visa.via.infonow.net/locator/usa/supplier/NewSearch.do

 

to see.   I have been surprised at a number of locations (generally to find what I thought MUST be fast food is classified as a restaurant.)


Thanks for the useful link, though I doubt I'll use it much, as I like to try out many different eateries on a regular basis. :smileyhappy:


Well, that's what I do too!  The link is used as "Which card should I use to pay?"   If it comes up as a restaurant, I'll use Cash Plus, if Fast Food, some other card, if it comes up as Heavy Machinery - Electrical, well, probably shouldn't have eaten there.

Established Contributor
FutureBillionaire
Posts: 641
Registered: ‎12-12-2012
0

Re: Best restaurant card


flowfaster wrote:

The Cash+ would be the best if you set both your choices restaurant and fast food(includes starbucks).  You would essentially get 6.25 with the $25 bonus. :smileytongue:


I don't like that you have to choose two categories for food on this card.  I recommend the Forward or the Discover Miles.

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Revelate
Posts: 8,871
Registered: ‎12-30-2011
0

Re: Best restaurant card


FutureBillionaire wrote:

flowfaster wrote:

The Cash+ would be the best if you set both your choices restaurant and fast food(includes starbucks).  You would essentially get 6.25 with the $25 bonus. :smileytongue:


I don't like that you have to choose two categories for food on this card.  I recommend the Forward or the Discover Miles.


I'd have to agree regarding spending two categories for food; there's enough cards out there which cover restaurants in general, and the Cash+ is so brilliant because it fills in the gaps for other reward card spending.

 

Plus if you can get the Cash+ you can get any other card discussed so far anyway.  Personally I'd do both if I could.

 

@SnackTrader: that's an awfully handy tip regarding 5% straight cash back on mortgage payments (if I have a lender that supports credit card payments in the future) that I'll have to look into if the situation arises and I'm not cooking as much as I expect post mortgage... which is probably guarunteed.  Thanks for posting it.

 

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
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Contributor
nickn86
Posts: 130
Registered: ‎11-26-2012
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Re: Best restaurant card

^^  The mortgager doesn't need to accept CC payments.  What Citi does is mail you a check addressed to the bank that you then send in to the bank.

I've heard some people just sign the check over to their personal account.  I'm not sure how that works.

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