WHAT'S THE BEST DINNING REWARD CARD OUT THERE ?

[Anonymous]

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@longtimelurker wrote:

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@Anonymous wrote:

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@Closingracer99 wrote:

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@Anonymous wrote:

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@Jaylima91 wrote:

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@Anonymous wrote:

i have Paypal Extras Cards. 3% dinning but once i redeem it's really 2.4% Cash back. Is that still great ? 

US BANK CASH+    ... you have the ability to choose your own 5% and 2% catergories which includes restaurants and fast food. But hard to apply since im more than 200 miles away from US BANK branch. 

Sapphire Preferred i heard has 2% ?  but also an annual fee ? 

Discover and Chase Freedom has 5% but only for  1 quarter. 

Citi Double Cash or thank you preferred i think also still 2% Dinning. 

i love dinning and LOVE foods especially when traveling.  But is paypal extras mastercard the best dinning reward card out there ? 

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CSP isnt cashback, its UR points which can ultimately be redeemed for cashback. CSP allows 2points per dollar spent on dining and 3 points per dollar at dining every first Friday of the month. CSP has an annual fee of $95 which is waived for the first year of being a member. Good thing about the CSP is that if you decide to redeem for cashback its 1cent per 1 point but can also be used for airline purchases at a 1:1 ratio

Youre also miscalculating the rewards in the TYP card. It isn't cashback its TYP. TYP arent worth as much when redeemed for cashback

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so in my case im better off with a cash back card ? i also added 

SAMS CLUB Mastercard has 3% Dinning

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The US bank Cash + is the best CB card for Dining ... Sams club requires a membership so your paying an AF sort of 

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what about the citi thank  you  preferred VS thank you ? same points earned in dinning as chase ?

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The Thank You Preferred gives 2 TYP on dining, but they are harder to convert to cash back, so not as good as Chase.

There are also things like the Chase AARP card, which gives 3% on restaurants uncapped (Cash + is capped at $2000 per quarter on all 5%)

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i dont know about you but i dont spend $2,000 or $500  month eating out so no worries there 

[Anonymous]

so does the NEW Citi Double Cash which im cosidering to replace CapitolOne and anything that would otherwise be 1%. but like how i get 3% gas on bank america cash rewards i want a dinning one too. Too bad liquor or alcohol not qualify as groceries (wine  & spirits)  we spend 90 billion a year on beer and alcohol. Average american consumes 25 gallons beer a year. Wish i could find a reward card for that. 

[longtimelurker]

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@Anonymous wrote:

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@longtimelurker wrote:

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The Thank You Preferred gives 2 TYP on dining, but they are harder to convert to cash back, so not as good as Chase.

There are also things like the Chase AARP card, which gives 3% on restaurants uncapped (Cash + is capped at $2000 per quarter on all 5%)

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i dont know about you but i dont spend $2,000 or $500  month eating out so no worries there 

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Nor me (some here do though) but I have been spending $5K a quarter on vet bills, using up the limit on both my Cash + cards, leaving nothing for dining.  So caps do matter sometimes!

[weehoo]

We have been using the Cash+ for Restaurantes. Any excess then $2000, been using the hilton honors.

[destine2grow]

I would definitely go with the US bank Cash +

[Anonymous]

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@destine2grow wrote:
I would definitely go with the US bank Cash +

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you live near US bank or you called ? i hate talking to people about where i get my money from   i do better online applications 

[Open123]

For dining, in order of progression, I use the following:

1.  US Bank Cash+ is the best on the initial $2,000.  With the $25 bonus on $100 redemption, this equates to 6.25%.

2.  Any 5% rotation, e.g. Freedom, Discover, SPG at Starwoods restaurants.

3.  Ink Cash 2% or Amex Simply Cash.

I may use the JPM Ritz for dining to meet the intial $10K for Marriott Gold status.

[Anonymous]

I want to get a cash+ for dinning too. Think it's one of the best ones out there. Definitely in my list for next year.

[Anonymous]

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@Anonymous wrote:
I want to get a cash+ for dinning too. Think it's one of the best ones out there. Definitely in my list for next year.

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Question if no one minds. Is the dining category for this card fixed every quarter or is it sometimes not available? Thanks!

[trumpet-205]

Let's start with each card,

* PayPal Extra MC

Has annual cap of 50,000 points. Points worth less than 1 cent, so you get about 2.4% return.

* Chase CSP

Has AF of $95. Only worth it if you transfer points to partner program. Otherwise it is 2% return.

* US Bank Cash+

Must apply either at branch or over the phone. Has quarter cap of $2,000 of spending. No AF.

* Citi Double Cash / Fidelity AMEX

Straight forward 2% cashback. No AF.

* Chase AARP

3% on restaurant. Requires AARP membership at the time of applying (does not need it for renewal). No AF.