@Anonymous wrote:
The $200 in fast food is largely due to lunches at work. Since we don't do a lot of groceries, there usually isn't much for leftovers. I work at a credit union (so M-F 9-5) and there are usually about 20-22 work days in a given month. My lunch spend is generally about $5-8/day, kinda crazy but we just aren't avid cookers unfortunately. We'd like to start cooking but we just aren't comfortable eating food that we may or may not be able to successfully cook. Maybe we just make it harder than it is haha.
Fair enough.. Didn't cook much when I was single but I was good at buying good bread and lunch meat at the grocery store. Came out cheaper for me than eating out.. And food poision at McDonald's kind if curtailed that expense. Nothing worse than seeing a fish sandwich over and over and over, yuk. 
@Anonymous wrote:
The $200 in fast food is largely due to lunches at work. Since we don't do a lot of groceries, there usually isn't much for leftovers. I work at a credit union (so M-F 9-5) and there are usually about 20-22 work days in a given month. My lunch spend is generally about $5-8/day, kinda crazy but we just aren't avid cookers unfortunately. We'd like to start cooking but we just aren't comfortable eating food that we may or may not be able to successfully cook. Maybe we just make it harder than it is haha.
And the costco is a definite no-go. The only costco in Oklahoma to my knowledge is in Tulsa, which is about 2-3 hours from where I'm located (Northwestern OKC). I wanted that card and was fine with the annual payout as those rewards are nice. But the fee for me would be more of an annual card fee than a fee to shop, as I probably wouldn't drive 3 hours for groceries. Any potential savings would most likely be eaten in gas haha.
I mean. Bank of the West seems like my best bet. But I'd read that they don't have a payment option on their side of your card login, which results in requiring you to push the payment from your bank account via billpay. Idk that just seems odd to me, not to have a way to make a payment from your card login on their side? Unless those are very old dp's and this is now an option through their cards? The only reason I prefer doing it from the issuers side is so that in the event that there happens to be an error with payment delivery, they can see that I legitimately did schedule a payment for that date and am not just blowing smoke, ya know? But maybe they allow payments from their side now idk..... if anybody has updated info that'd be nice
You can pay the Bank of the West card online from their web site. However, it uses some wierd western union payment system and you can only pay once a month. I don't recall the exact details, there may have been a fee for paying more than once a month.
Infirst FCU VISA Rewards is 4% gas, 3% restaurant and travel. JCB Marukai is 3% on everything. UMB Simply rewards is 3X in those categories and is offered by a LOT of regional banks (at least 35). Golden 1 is 3% in those categories. Security Service Power Travel is 3.3% iin those categories.
US Bank Cash+ can give 5% on fast food, and 2% on restaurants. However, rumor is some people have been transitioned to other cards, so it may be going away.
