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Good afternoon everyone, I hope you are having a great weekend. I am currently in Miami on my way back home to San Francisco after my week-long vacation to Saint Kitts and Nevis and my stay at the Marriott Saint Kitts Beach Club timeshare property (2 trip reports coming later this week, or next week, or never – let’s see if I can get these posted before I forget). Enough about me, let’s talk about credit card rewards.
A long time ago, my go to credit card for all restaurant purchases was my beloved Citi Forward Credit Card. I used to earn 5x Citi Thank You Points for all restaurant purchases, from fast food to fine dining. Unfortunately, Citi changed the card earnings on restaurant purchases from 5x to 2x, so I looked for a suitable replacement. The obvious choice was Chase Sapphire Preferred with 2x on restaurants, then along came the Chase Sapphire Reserve with 3x on restaurants. I tried to apply for the Chase Sapphire Reserve (twice!), and got declined (twice!) due to 5/24. I don’t have any other Chase credit cards that I want to convert / product change to a Chase Sapphire Preferred or Chase Sapphire Reserve either. With those sad facts, my search for a suitable restaurant credit card continued.
I was pretty happy using my US Bank Cash Plus Credit Card for restaurant purchases – earning 2% cash back at restaurants and 5% cash back at fast food restaurants. That was good enough for a few months until I got an email from US Bank that changed everything…
A few days ago, I received an email from US Bank regarding my US Bank FlexPerks Gold American Express Credit Card. I recently got that credit card as part of my March App-O-Rama and had already completed the minimum spending requirement and received my 30,000 FlexPoints. In the email from US Bank, they reminded me that the US Bank FlexPerks Gold American Express Credit Card earns 3x FlexPoints on restaurant purchases (all restaurants from fast food to fine dining), and each FlexPoint is worth ~2 cents if you redeem 20,000 FlexPoints for a ~$400 airline ticket. I am very good at finding flights that are $380-$400 each, plus the $25 airline credit you get when you redeem FlexPoints for airline tickets. Therefore, I will gladly take 3x FlexPoints with my US Bank FlexPerks Gold American Express Credit Card over earning 2-5% cash back with my US Bank Cash Plus Credit Card.
Since the US Bank FlexPerks Gold American Express Credit Card is a credit card that runs on the American Express payment network, you can enroll that credit card into AMEX Offers via Twitter and Facebook.
Just sign into your Facebook or Twitter account to start adding offers to your credit card.
The only drawback I can foresee by using my US Bank FlexPerks Gold American Express Credit Card is that not all restaurants accept American Express credit cards. This might happen on a few occasions, but I always carry my Citi Premier Credit Card with me, which is a MasterCard, and earns 2x Citi Thank You Points for restaurant purchases. Do you agree with my decision to use my US Bank FlexPerks Gold American Express Credit Card on all restaurant purchases for restaurants accept American Express credit cards? If not, which credit card do you use for your restaurant purchases? If you have any questions, please leave a comment below. Have a great day everyone!