Freedom Flex. 3x permanent. Turns to 8x during dining quarter.
Agreeable_Button_237 on
I prefer my Amex gold for dining but I do carry a CSR as a visa backup if they don’t take Amex
East-Scallion-3926 on
I’m using Sapphire Preferred
KaleidoscopeAble4958 on
It was the Amex Gold but it’s becoming CSR or Bilt as I realize hotel redemptions are going to make more sense for me than flights.
BrilliantSun1781 on
Chase Sapphire Preferred. Gives you 3.1x on Dining with the 10% Anniversary Boost. I funnel almost all my Chase points to Hyatt where at minimum I get 1.7 cpp so it pushes above 5% in value so it beats most other cards I have.
IndieIsaiah on
Custom Cash, hard to beat 5% with no annual fee.
Unstupid on
Amex Gold. 4x MR restaurants and supermarkets
CobaltSunsets on
If you’re on Team Cashback, the Redstone FCU Signature is clutch for dining and gas.
Shame they geolocked it.
ryanisright on
Citi custom cash go brrrrr
CaptCarlos on
Wells Fargo Autograph.
EngineerParentGuy on
Bill Divvy baby!
superyouphoric on
Fine my peasant ass will say it since no one else is bringing it up.
Capitol one savor card. 3% on dining
I’m team cash back so miss me with those points.
GapAccomplished2778 on
> I used PayPal for a month, but now using that for grocery.
PayPal debit is 5% for groceries and PayPal MC is 5% in Sep for getting fat
jamielieu1005 on
Capital One Savor One
ch4nt on
Amex Gold and CSR
The-Brocialist on
Chase Freedom Unlimited. Yeah it’s not a 2x general purpose card, but being able to get 1.5x everything plus 3x on dining and 3x at pharmacy could work better for a lot of people as a one card for everything solution than a flat 2x everything card.
WashingtonGuy123 on
BoA Customized Cash Rewards. It gives 3% cash back in a category of your choice, including dining, but this increases if you have significant assets at BoA and/or Merrill Lynch, up to 5.25% back.
AfraidCraft9302 on
Sit down I use the sapphire preferred for 3.1x
Take out I use the USBAR for Apple Pay
Creditcardlover100 on
surprised i havent see more people say bilt, 3x with alaska and hyatt as a transfer is great
Alexia72 on
**Redstone FCU Visa Signature** (now only available to residents of AL and TN)
* 5% Restaurants, Gas
* 3% Groceries, Discount stores, Wholesale clubs, Utilities, Phone, Streaming services
* 1.5% Everything else
* No AF, No FTF
Requirements: join a qualifying organization (it’s free and a simple button click), and keep $5.00 in RFCU bank
When applying, there is an area to select your eligibility. The last one is completely free:
* Associational Group
* Student
* A family/household member of applicant is currently a member of at Redstone FCU. Please enter the name of the person and their relationship.
* I opt to join the Association of the United States Army (Redstone-Huntsville Chapter) in order to become a member of Redstone FCU.
Limits: Cash back capped at $7,000/yr (about $533/mo) spend per category.
Cash Back redemption: Redstone bank account (can ACH out afterwards), gift cards, travel, or charitable donations. $5 minimum redemption.
Rocket_Skates_91 on
It was Capital One Savor until I got a retention offer for my Amex Gold, so now it’s the latter through the end of the year for 20,000 points.
wmchan8251 on
Bilt. This is how I earn a couple of extra nights at Hyatt.
loldogex on
right now my SYW is 8% back, so that is nice.
quicknir on
BoA premium rewards elite. Effective rate gets as high as 4.4 percent, no caps, no FTF.
UnlikelyAdventurer on
This is why you need multiple CCCs. P2 go!
Money_Shoulder5554 on
I have the Amex Gold but have been leaning to the Bilt more for dining. It’s simply the most valuable point system
34 Comments
Costco Visa I use the vast majority of the time
Freedom Flex. 3x permanent. Turns to 8x during dining quarter.
I prefer my Amex gold for dining but I do carry a CSR as a visa backup if they don’t take Amex
I’m using Sapphire Preferred
It was the Amex Gold but it’s becoming CSR or Bilt as I realize hotel redemptions are going to make more sense for me than flights.
Chase Sapphire Preferred. Gives you 3.1x on Dining with the 10% Anniversary Boost. I funnel almost all my Chase points to Hyatt where at minimum I get 1.7 cpp so it pushes above 5% in value so it beats most other cards I have.
Custom Cash, hard to beat 5% with no annual fee.
Amex Gold. 4x MR restaurants and supermarkets
If you’re on Team Cashback, the Redstone FCU Signature is clutch for dining and gas.
Shame they geolocked it.
Citi custom cash go brrrrr
Wells Fargo Autograph.
Bill Divvy baby!
Fine my peasant ass will say it since no one else is bringing it up.
Capitol one savor card. 3% on dining
I’m team cash back so miss me with those points.
> I used PayPal for a month, but now using that for grocery.
PayPal debit is 5% for groceries and PayPal MC is 5% in Sep for getting fat
Capital One Savor One
Amex Gold and CSR
Chase Freedom Unlimited. Yeah it’s not a 2x general purpose card, but being able to get 1.5x everything plus 3x on dining and 3x at pharmacy could work better for a lot of people as a one card for everything solution than a flat 2x everything card.
BoA Customized Cash Rewards. It gives 3% cash back in a category of your choice, including dining, but this increases if you have significant assets at BoA and/or Merrill Lynch, up to 5.25% back.
Sit down I use the sapphire preferred for 3.1x
Take out I use the USBAR for Apple Pay
surprised i havent see more people say bilt, 3x with alaska and hyatt as a transfer is great
**Redstone FCU Visa Signature** (now only available to residents of AL and TN)
[https://www.redfcu.org/personal/credits-cards/visa-signature/](https://www.redfcu.org/personal/credits-cards/visa-signature/)
* 5% Restaurants, Gas
* 3% Groceries, Discount stores, Wholesale clubs, Utilities, Phone, Streaming services
* 1.5% Everything else
* No AF, No FTF
Requirements: join a qualifying organization (it’s free and a simple button click), and keep $5.00 in RFCU bank
When applying, there is an area to select your eligibility. The last one is completely free:
* Associational Group
* Student
* A family/household member of applicant is currently a member of at Redstone FCU. Please enter the name of the person and their relationship.
* I opt to join the Association of the United States Army (Redstone-Huntsville Chapter) in order to become a member of Redstone FCU.
Limits: Cash back capped at $7,000/yr (about $533/mo) spend per category.
Cash Back redemption: Redstone bank account (can ACH out afterwards), gift cards, travel, or charitable donations. $5 minimum redemption.
It was Capital One Savor until I got a retention offer for my Amex Gold, so now it’s the latter through the end of the year for 20,000 points.
Bilt. This is how I earn a couple of extra nights at Hyatt.
right now my SYW is 8% back, so that is nice.
BoA premium rewards elite. Effective rate gets as high as 4.4 percent, no caps, no FTF.
This is why you need multiple CCCs. P2 go!
I have the Amex Gold but have been leaning to the Bilt more for dining. It’s simply the most valuable point system
* Domestic: Amex Gold
* International: Amex Gold & USBAR as backup.
Depending on the new transfer partners, the AR could become first.
Amex Gold usually, but working on the Atmos SUB at the moment. Still 3X on that card though
Elite and Prestige when not on Citi Nights
Amex gold
I use my Hilton Surpass on Gas, Groceries, and Dining until I hit the $15k for the free night.
Amex Gold for 4x. But Strata Elite during Citi Lights.
CSP or Savor.