topic Re: Dining Card in Credit Cards

Dining Card

Anonymous — Fri, 06 Jul 2018 17:58:42 GMT

Hello to everyone.

I just got the Citi Double Cash card for the 2%, after agonizing for 2 years over it, versus the Quicksilver..

It replaces Cap One Quicksilver.

I spend maybe $3000 a year on dining.

At first, I thought that I would just use the DC for restaurants at 2%, since I would only lose about $30 a year from the 3% that Savor offers.

Then I started thinking that I have no use now for Quicksilver since I do not travel out of US, and it has a $32,000 limit. Why not convert it to Savor for the 3% in dining, just because I can? I would not go and apply for a dining card, but since I can trade to Savor with no hard pulls. why not?

My wife has Costco Visa which also pays 3% on dining, but I don't like the once a year payout.

Then my everyday carry would be AMEX BCP for groceries (6%) and gas (3%), Savor for 3% dining, and Citi DC for everything else at 2%.

These are my major categories, but then I have to carry three cards instead of two. I also have Chase Freedom ($56500), but don't carry or use becuase I don't like quarterly categories. I may take it out once to use it at Walgreens this quarter for the 5%, to keep it active.

What would others do?

Sorry for the length !!

Re: Dining Card

Anonymous — Fri, 06 Jul 2018 18:03:07 GMT

Sounds like a solid plan. I Pced my QS to the Savor in April after getting the Fidelity Visa and Citi DC. I personally love the card.

When I’m not meeting min spend, my lineup is normally Fidelity Visa for non category spend, Savor for dining and Discover for 5% categories. Obviously this quarter the Savor is in my SD due to Discover having restaurants for its category.

Re: Dining Card

Anonymous — Fri, 06 Jul 2018 18:09:47 GMT

I like your plan also. The QS isn't needed anymore obviously so might as well convert it to something you will use.

Re: Dining Card

Anonymous — Fri, 06 Jul 2018 19:05:47 GMT

I like your way of thinking! As a matter of fact, I have a QS1 that only gets minimal usage because I've got numerous other 1.5%, 2%, 3%, 5% (Rotating Category) cards...I think your idea is solid and just Product Changed my QS to Savor about 5 minutes ago! When not using my Discoer or Freedom for a 5% I'll definitely use Savor, and Cap 1 will get a lot more swipes than they were getting with the QS! Thanks for posting the question and giving me the idea!

Re: Dining Card

Anonymous — Sat, 07 Jul 2018 11:30:17 GMT

You're welcome !!

Glad to help !!

@Anonymous wrote:
I like your way of thinking! As a matter of fact, I have a QS1 that only gets minimal usage because I've got numerous other 1.5%, 2%, 3%, 5% (Rotating Category) cards...I think your idea is solid and just Product Changed my QS to Savor about 5 minutes ago! When not using my Discoer or Freedom for a 5% I'll definitely use Savor, and Cap 1 will get a lot more swipes than they were getting with the QS! Thanks for posting the question and giving me the idea!

Re: Dining Card

SunriseEarth — Mon, 09 Jul 2018 06:41:35 GMT

If Savor makes more sense for your spend, PC to it.

Q3 is Dining for Discover, so I'm getting 5% dining. My backup is Uber Visa for 4% dining.