topic Re: Best restaurant card in Credit Cards

Best restaurant card

kobe2012 — Wed, 26 Dec 2012 01:37:33 GMT

What would be the best card for dining???

Re: Best restaurant card

Anonymous — Wed, 26 Dec 2012 01:41:35 GMT

I read Citi Forward.

Re: Best restaurant card

lylesvegas — Wed, 26 Dec 2012 01:43:06 GMT

My discover more is 5% cash back on movies and restaurants this 1/4......

Re: Best restaurant card

Anonymous — Wed, 26 Dec 2012 01:43:39 GMT

There are some cards which give you 5% on restaurants as a rotating category.

There are many cards which give you 2% all the time

Citi Forward credit card gives you 5% on restaurants all the time.

Re: Best restaurant card

kevinjjc — Wed, 26 Dec 2012 01:50:18 GMT

A lot of people on here will say the Citi Forward card, but IMHO the Citi ThankYou points aren't that great.

Between January - March 2013, Discover is giving 5% cashback.

You should also consider the US Bank Cash+ if you're near a US Bank branch since they are no longer accepting phone/online apps.

Re: Best restaurant card

jsucool76 — Wed, 26 Dec 2012 01:49:16 GMT

Either citi forward or CSP. Citi forwards 5% on restaurants wont translate into a true 5% cash back but it is still good.
Csp is 2%, and paired with the rest its good for its a definite contender. Plus you get UR points.

Re: Best restaurant card

SnackTrader — Wed, 26 Dec 2012 02:13:11 GMT

Forward will translate into 5% if you use it for student loan or mortgage payments, or if you also have a higher tiered Citi card.

I plan to use it as extra payments on my student loans, thereby Reducing my interest payments over time

Re: Best restaurant card

improvingmycredit — Wed, 26 Dec 2012 02:26:40 GMT

@kobe2012 wrote:
What would be the best card for dining???

I asked this question some time ago also! I guess there really aren't any good ones out there. Other then the rotating catagories of the Chase Freedom and the Discover 5% most cards offer 2% with bonuses at end of year for over-all spending on the card. Here is the list that I came up with: citi forward 5pts/ CSP 2 pts/ Disney Premier Visa 2 pts/ Chase Saphire 2pts/ Discover Open Road 2%/ Amex TE 2%/ Blue Sky Pref 2pts/ Marriott Rewards Premier 2pts/ Sony CapOne 2pts/ MTV CapOne 2pts/ Chase Hyatt 2pts and last but not least- Ink Cash Business 2pts

Hope this helps.

Re: Best restaurant card

flowfaster — Wed, 26 Dec 2012 02:27:28 GMT

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.

Re: Best restaurant card

improvingmycredit — Wed, 26 Dec 2012 02:30:46 GMT

@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.

Great card too!

Re: Best restaurant card

kevinjjc — Wed, 26 Dec 2012 02:32:12 GMT

@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.
Great card too!

Re: Best restaurant card

kobe2012 — Wed, 26 Dec 2012 02:52:58 GMT

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....

Re: Best restaurant card

Anonymous — Wed, 26 Dec 2012 03:10:42 GMT

@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.
Great card too!
+1

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.

Re: Best restaurant card

HiLine — Wed, 26 Dec 2012 06:53:57 GMT

@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.

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

Re: Best restaurant card

Anonymous — Wed, 26 Dec 2012 07:01:44 GMT

@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.
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.)

Re: Best restaurant card

HiLine — Wed, 26 Dec 2012 07:15:37 GMT

@Anonymous 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.
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.

Re: Best restaurant card

Anonymous — Wed, 26 Dec 2012 07:18:07 GMT

@HiLine wrote:
@Anonymous 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.
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.

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.

Re: Best restaurant card

FutureBillionaire — Wed, 26 Dec 2012 16:15:55 GMT

@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.

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

Re: Best restaurant card

Revelate — Wed, 26 Dec 2012 19:06:32 GMT

@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.
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.

Re: Best restaurant card

nickn86 — Wed, 26 Dec 2012 19:20:10 GMT

^^ 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.