I researched the best card for restaurants/fast food and decided that Citi Forward's 5 points/$1 spent in those categories was the best deal. Older myFICO discussions indicate that there's a cap of 75,000 ThankYou Points per year. I read the Reward Program Information and didn't see anything about a cap.
I understand that 1 ThankYou Point doesn't equal 1 cent in most cases, but some have mentioned that at the 10,000 ThankYou Point level, you can redeem for $100 cash, or maybe statement credit... I can't remember.
If you're a current Citi Forward cardholder, please comment on the current point cap and best redemption rates.
it's an extra step but you can always get gift cards and sell them at plastic jungle walmart gift cards get 92 cents on the dollar