fast food category?

MileHigh96 · ‎12-07-2022

@citymunky wrote:
With the Savor One fast food places are treated at dining and I received the 3% CB.

Savor One will also code food trucks as dining. I've gotten 3% back on the couple of times I've bought food at a food truck.

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Ally Everyday Cash Back Mastercard (converted from Ollo Platinum Rewards Mastercard) $5700 CL (opened 7/21/21)

Mercury Mastercard $5060 CL (opened 7/23/21)

Upgrade Triple Cash Rewards Visa Card $17,500 LOC (opened 8/4/21)

PenFed Pathfinder Rewards $6000 CL (opened 11/9/21)

Dell Pay Credit (converted from Dell Financial Services account) $6500 CL (opened 12/6/21)

Capital One Kohls Visa (converted from Kohls store card) $4050 CL (opened 12/13/21)

Upgrade Cash Rewards Visa Card $7,000 LOC (opened 3/17/22)

Capital One Quicksilver MC (PC'd from a Platinum card) $3200 CL (opened 5/6/22)

Capital One Savor One MC $5000 CL (opened 10/20/22)

Merrick Bank Double Your Line MC $2500 CL (opened 11/1/22)

NFCU cashRewards Plus $36000 CL (opened 3/17/23)

Affinity FCU Pure Rewards Visa $1500 CL (opened 5/18/23)

Bread Cashback AmEx $15000 CL (opened 5/23/23)

Canvas Select MC $3000 CL (opened 5/25/23)

NFCU Go Rewards Visa $27000 CL (opened 6/16/23)

Petco Pay Mastercard $5100 CL (opened 6/29/23)

Barclays GM Rewards Mastercard (converted from GS My GM Rewards Card Mastercard) $5500 CL (opened 8/1/23)

Denver Broncos Extra Point Visa $11000 CL (opened 12/8/23)

NFCU More Rewards AmEx $17000 CL (opened 2/8/24)

Ally Unlimited Cash Back Mastercard $3000 CL (opened 4/3/24)

Service Credit Union Everyday Visa $2500 CL (opened 8/19/24)

BECU Cash Back Visa $16000 CL (opened 8/21/24)

Best Buy Platinum Visa $4000 CL (opened 10/17/25)

Liberty FCU Platinum Credit Rewards Mastercard $12000 CL (opened 11/5/25)

Capital One T-Mobile Visa $15000 CL (opened 11/7/25)

Lands' End Visa $5300 CL (opened 11/13/25)

Associated Bank Max Cash Preferred Visa $500 CL (opened 11/17/25)

Affinity FCU Cash Rewards Visa $7500 CL (opened 11/18/25)

Closed accounts:

Mission Lane Visa - first starter card after discharge (opened 7/7/21 - closed 4/1/23)

Capital One Quicksilver MC (downgraded from a Walmart Rewards MC and transfered CL to older QS card) (opened 11/4/22 - closed 04/09/25)

Best Egg Visa (opened 05/17/22 - closed 04/14/25)

6/6, 6/12, 11/24 new accounts
TCL: $219.4K

Hoben02 · ‎12-07-2022

try using the lookup tool in the awardwallet app. The only food places I've not gotten dining were when purchasing at a food faire, in that case I've been using a chase card and I've gotten them to give me dining rewards

Chase (CSP,CF,CFU,southwest premier)
Barclay(jetblue, arrival)
Bofa(US pride, premium, travel, cash, Suzy komen)
Citi(Premier, Double cash, Costco)
Fnbo(Mlife)
Amex(everyday, cash, Hilton)
Blockfi
Caesars rewards
Sofi
Gemini
Cap One Savor One

AlanGJP · ‎12-07-2022

@wasCB14 wrote:
I take the approach of just running it all through Amex Gold (if they take Amex). I get 4x MRs on the vast majority of my dining dollars without caps or rotating categories. And if Amex thinks it's a supermarket instead of a restaurant, I get 4x on ($25k capped, USA only) supermarkets. Occasionally I might not get 4x on a purchase, but that's rare and generally for a small dollar amount.

Yup, same deal here, it's just easier. Then (if you're after CB) cash out with Schwab @ 1.1cpp for a 4.4% effective CB on food spend.

As an aside: BILT has 3X on "dining" with no limits. Couple rent with food and you have another fairly decent no AF card.

"Dining: 3 rewards points (1 base point plus 2 bonus points) are earned per $1 spent on qualifying net purchases at retailers whose Merchant Code for Mastercard is classified as eating places and restaurants, drinking places, bakeries, or fast food restaurants (caterers, grocery stores, and other miscellaneous places that serve food or operate restaurants on their premises are not considered eating places and restaurants)."

Personal Cards:

Business Cards:

Closed Cards:

Data Points:

Last Updated: 2023/11/09

AlanGJP · ‎12-07-2022

@Lou-natic wrote:
X1 card counts fast food as dining. Even taking straight cash back it works out to 2.1% vs just 2% if I use my FNBO card...haha

I'm not sure how you're getting 2.1%? Unless you're above their normal 2X... (Did you refer someone?)

For most (including me) X1 is .7cpp for cash back, effectively 1.4cpp at 2X dining. If you want to redeem points at 1cpp, you'll need to spend it at one of their listed companies. Not ideal imo. I've been sitting on a TON of points because of their redemption options.

Personal Cards:

Business Cards:

Closed Cards:

Data Points:

Last Updated: 2023/11/09

Brian_Earl_Spilner · ‎02-15-2024

It's going to be trial and error, and even then it's not absolute. When they put in my neighborhood target it initially coded as grocery. After a few years it was corrected to match a normal target. Walmart will code differently depending on if you went to a regular one versus a supercenter. It's the same with fast food. Could code as fast food or restaurant. I use my gold because it will cover both regardless of how it's coded

ptatohed · ‎02-15-2024

Why are we bumping a 2 year old thread? lol

For me, I've never had a problem with my cards treating fast food and restaurants as separate categories for reward purposes. But, I have to admit, I am a chain guy for both fast food and restaurants. McDs, Carl's Jr, Arby's, Taco Bell, Popeye's, ............... Chili's, Denny's, IHOP, Red Robbin, AppleBees,..........

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Brian_Earl_Spilner · ‎02-15-2024

@ptatohed wrote:
Why are we bumping a 2 year old thread? lol

For me, I've never had a problem with my cards treating fast food and restaurants as separate categories for reward purposes. But, I have to admit, I am a chain guy for both fast food and restaurants. McDs, Carl's Jr, Arby's, Taco Bell, Popeye's, ............... Chili's, Denny's, IHOP, Red Robbin, AppleBees,..........

That's a good question. It was showing in recent this morning and I replied. Didn't even look at the date. Not sure how the thread got bumped. 🤔

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