topic Re: Credit cards for restaurants besides……… in Credit Cards

Credit cards for restaurants besides………

AyaMai — Tue, 28 Nov 2023 21:19:42 GMT

Cards recommendations besides Amex Gold, Citi Custom Cash, Capital One Savor One & nothing less 4% Cashback.

Re: Credit cards for restaurants besides………

GZG — Tue, 28 Nov 2023 21:23:46 GMT

@AyaMai wrote:
Cards recommendations besides Amex Gold, Citi Custom Cash, Capital One Savor One & nothing less 4% Cashback.

us bank altitude go, redstone visa signature, BoA customized cash w/100k in assets, hunginton business voice

Re: Credit cards for restaurants besides………

Lou-natic — Tue, 28 Nov 2023 21:34:32 GMT

@AyaMai wrote:
Cards recommendations besides Amex Gold, Citi Custom Cash, Capital One Savor One & nothing less 4% Cashback.

US Bank Altitude Go is what I use at restaurants and has 4% cashback.

Re: Credit cards for restaurants besides………

Hoben02 — Tue, 28 Nov 2023 21:44:14 GMT

You could use the lookup tool in the awardwallet app will show the rewards for a particular restaurant

Re: Credit cards for restaurants besides………

AyaMai — Wed, 29 Nov 2023 00:16:19 GMT

@GZG wrote:
@AyaMai wrote:
Cards recommendations besides Amex Gold, Citi Custom Cash, Capital One Savor One & nothing less 4% Cashback.
us bank altitude go, redstone visa signature, BoA customized cash w/100k in assets, hunginton business voice

@Lou-natic

Love to apply for US Bank Altitude Go, I do have US Bank Cash+ and checking account with the bank. Too many inquires and open accounts is stopping me to apply for the card and Citi Custom :-( . I am using Amex Gold and Bonvoy Brilliant for restaurants and Discover one quarter a year.

Re: Credit cards for restaurants besides………

ChargedUp — Wed, 29 Nov 2023 02:30:48 GMT

Elans Everyday Rewards + is 4% back on dining and no AF. (There are literally about 100 different banks that offer Elan backed credit cards. Here's a few Visa and MC options.

Dime Bank Visa

https://creditcardlearnmore.com/11t3/index?ecdma-lc=31618&ecid=OTHE_25940

Popular Bank Visa

https://creditcardlearnmore.com/11t3/index?ecdma-lc=32975&ecid=OTHE_25940

Ocean First Visa

https://creditcardlearnmore.com/11t3/index?ecdma-lc=17025&ecid=OTHE_25940

Banc of California Mastercard

https://creditcardlearnmore.com/11t3/index?ecdma-lc=26809&ecid=DL_46457

Plains Capital Bank Mastercard

https://creditcardlearnmore.com/11t3/index?ecdma-lc=28366&ecid=OTHE_25940

State BAR Association of Arizona Mastercard

https://creditcardlearnmore.com/11t3/index?ecdma-lc=26931&ecid=OTHE_25940

Re: Credit cards for restaurants besides………

Aim_High — Thu, 30 Nov 2023 20:51:22 GMT

@AyaMai wrote:
Cards recommendations besides Amex Gold, Citi Custom Cash, Capital One Savor One & nothing less 4% Cashback.

If you're looking for an absolute minimum of 4% CASH back, @AyaMai, you need to scratch the AMEX Gold. Those MRs can be lucrative when redeemed for travel but not worth 1 cpp in cash only. Cash value is 0.006 cpp so about 2.4% cash value. Gift cards are a little closer (normally between 0.006 and 0.008 with the exceptional promotion offering 0.01 at selected merchants, if they work for you.) If you're including the value of travel card points, the Chase Sapphire Reserve (3x URs for dining worth 4.5% in-portal for travel and up to 6% when transferred to partners) should be considered. Also the CITI Premier card earns 3x TY points on dining which is worth up to about 5.1% in travel. With any of these travel point cards, YMMV depending on how much you offset the AFs with credits and the value you receive when redeeming.

Some good alternative recommendations above from @GZG and @ChargedUp.

There are many more in the 3%+ category for cash back on dining but 4% plus for CASH is pretty limited.

Re: Credit cards for restaurants besides………

Beefy1212 — Thu, 30 Nov 2023 23:58:21 GMT

@Aim_High wrote:
@AyaMai wrote:
Cards recommendations besides Amex Gold, Citi Custom Cash, Capital One Savor One & nothing less 4% Cashback.
If you're looking for an absolute minimum of 4% CASH back, @AyaMai, you need to scratch the AMEX Gold. Those MRs can be lucrative when redeemed for travel but not worth 1 cpp in cash only. Cash value is 0.006 cpp so about 2.4% cash value. Gift cards are a little closer (normally between 0.006 and 0.008 with the exceptional promotion offering 0.01 at selected merchants, if they work for you.) If you're including the value of travel card points, the Chase Sapphire Reserve (3x URs for dining worth 4.5% in-portal for travel and up to 6% when transferred to partners) should be considered. Also the CITI Premier card earns 3x TY points on dining which is worth up to about 5.1% in travel. With any of these travel point cards, YMMV depending on how much you offset the AFs with credits and the value you receive when redeeming.

Some good alternative recommendations above from @GZG and @ChargedUp.

There are many more in the 3%+ category for cash back on dining but 4% plus for CASH is pretty limited.

If going off travel reward redemption US ALT Reserve as well 3% mobile wallet 4.5% when redeemed for travel... with the obvious "mobile wallet" caveat. Still very viable for fast food, delivery, and places you pay at the counter though, plus has the added benefit of being everywhere mobile wallet is accepted which is pretty wide.

If I traveled more this would be my go to must have card for points creation/redemption.

Re: Credit cards for restaurants besides………

Citylights18 — Sun, 03 Dec 2023 06:05:09 GMT

Credit One has a card with 5x dining.

https://www.creditonebank.com/credit-cards/wander-visa

Re: Credit cards for restaurants besides………

Beefy1212 — Mon, 04 Dec 2023 20:52:23 GMT

@Citylights18 wrote:
Credit One has a card with 5x dining.

https://www.creditonebank.com/credit-cards/wander-visa

Depending on the travel portal offerings that 10% travel isn't a bad deal even with the AF.

Re: Credit cards for restaurants besides………

Horseshoez — Mon, 04 Dec 2023 21:48:05 GMT

@AyaMai wrote:
Cards recommendations besides Amex Gold, Citi Custom Cash, Capital One Savor One & nothing less 4% Cashback.

Last time I checked, the SavorOne card did not offer 4% cash back for dining; here's how I remember the rewards:

4% CapitalOne Savor ($95 annual fee)
3% CapitalOne SavorOne (no annual fee)

Re: Credit cards for restaurants besides………

LADave — Wed, 06 Dec 2023 17:15:46 GMT

@Horseshoez wrote:
@AyaMai wrote:
Cards recommendations besides Amex Gold, Citi Custom Cash, Capital One Savor One & nothing less 4% Cashback.
Last time I checked, the SavorOne card did not offer 4% cash back for dining; here's how I remember the rewards:
4% CapitalOne Savor ($95 annual fee)
3% CapitalOne SavorOne (no annual fee)

Good catch. The only caveat I can think of to this is that both cards currently get 10% cash back on Uber Eats (and Uber everything else) through Nov. 14, 2024. Both cards will also reimburse you for an Uber One membership through that time, which can mean additional savings.

Re: Credit cards for restaurants besides………

Beefy1212 — Wed, 06 Dec 2023 20:43:55 GMT

@LADave not sure I would call it additional savings, the mark up on Uber in the first place is already pretty high.

you are paying 15% or more to begin with so getting 10% back is just getting charged slightly less extra

Re: Credit cards for restaurants besides………

LADave — Wed, 06 Dec 2023 22:02:19 GMT

@Beefy1212 wrote:
@LADave not sure I would call it additional savings, the mark up on Uber in the first place is already pretty high.

you are paying 15% or more to begin with so getting 10% back is just getting charged slightly less extra

It's why I included the caveat "which can mean additional savings" - it's only if you were going to be ordering from Uber or if it makes Uber an option.

In my situation, it has meant that Uber is sometimes the same or just slightly above the regular price (when factoring in both the extra cashback, and the Uber One discount), and it became an option where it wouldn't have been before.

Re: Credit cards for restaurants besides………

Turbobuick — Fri, 08 Dec 2023 15:05:59 GMT

Does this card exist? The took over an old card I had from BofA, but they kept sending me a different card. Finally I just said forget it.

Comnity AAA Daily Advantage credit card, you will earn:

5% cash back on grocery store purchases1
3% cash back on gas station and electric-vehicle charging, wholesale clubs, streaming services, pharmacy and AAA purchases.1
1% cash back on everything else.2

Re: Credit cards for restaurants besides………

ptatohed — Fri, 08 Dec 2023 15:35:38 GMT

@Turbobuick wrote:
Does this card exist? The took over an old card I had from BofA, but they kept sending me a different card. Finally I just said forget it.

Comnity AAA Daily Advantage credit card, you will earn:
5% cash back on grocery store purchases1
3% cash back on gas station and electric-vehicle charging, wholesale clubs, streaming services, pharmacy and AAA purchases.1
1% cash back on everything else.2

You're asking if the AAA Daily Advantage exists?

https://www.aaa.com/AAA/common/bread/breadfinancial.html

Re: Credit cards for restaurants besides………

Jessie — Tue, 16 Dec 2025 23:50:15 GMT

Unfortunately, your exlusions are the best ones. Have you considered Sunrise Banks Everyday Rewards+ Card? It's on WalletHub's list of the best restaurant cards.

Re: Credit cards for restaurants besides………

Kh_Samyak — Wed, 17 Dec 2025 09:41:14 GMT

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