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Over the past week we have discussed The One Trick You Should NEVER Do At A Hotel, and The One Trick You Should NEVER Do On An Airplane, so today we are going for the One Trick You Should NEVER Do At A Restaurant. So. What is that one trick? NEVER leave BONUS POINTS ‘on the table.
I dine out frequently – fast food, fast casual, bars and restaurants – and I periodically think about what the best credit card is to earn bonus points, and sometimes that credit card changes based on the time of year, and the promotions available.
Chase Sapphire Preferred with an Authorized User – One of my favorite credit cards is the Chase Sapphire Preferred because it gives you double the points on travel and dining. These also happen to be two of my biggest spending categories. I’ve also been lucky enough to capture some restaurant spending from my sister – my authorized user. She was responsible for an event catered by a restaurant last week, and asked be what credit card she should use. Well, the Chase Sapphire Preferred, of course!
Chase Freedom 3rd Quarter Bonus – 5x the points on the first $1,500 spent in the quarter, and the activation period starts in just two days. This makes for an easy 7,500 Ultimate Rewards points. And just in case I don’t meet the full $1,500 spent, I purchase gift cards from a restaurant I know that I like.
My Overflow Spending On Dining With Chase Freedom In Mind: The Discover It Card also has 5% cash back on the first $1500 spent in the 2nd quarter, but the downside is that it’s cash, and I happen to prefer points. But I may go on a restaurant spending spree in the next two-and-a-half weeks.
Next On The List: Premier Rewards Gold Card from American Express where I earn 2X points at US restaurants
My least favorite: AARP Credit Card from Chase – 3% Cash Back rewards at restaurants, from fine dining to fast food. It’s a pretty good year round card, however, even tho 3% is better than 2x, I irrationally prefer points to cash.
These are just a few of my favorite credit cards for restaurants and dining out. Did I miss your favorite card?