@AyaMai wrote:Cards recommendations besides Amex Gold, Citi Custom Cash, Capital One Savor One & nothing less 4% Cashback.
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@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.
8/8/25
2/16/26
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
@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.
@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.
@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.