Tag Archives: Cash Back

Best Credit Card for Restaurants: US Bank Cash Plus or FlexPerks Gold AMEX?

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…

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2,000 Membership Reward Points Post Quickly for AT&T Small Business Wireless AMEX Offer

Good morning everyone, happy Friday!  A few days ago, there was a great AMEX Offer that came out from AT&T Small Business Wireless where you could earn 2,000 Membership Reward Points for making a qualifying purchase of $200 or more.  To make the AMEX Offer even better, you could use that AMEX Offer up to 3 times per enrolled card and get up to 6,000 Membership Reward Points.  Frequent Miler and Doctor of Credit were the first I saw to cover the AMEX Offer.  Even though the AMEX Offer was only targeted to American Express business cards and supposed to be for business wireless purchases, I decided to see what would happen when I made a $200 payment to my AT&T Wireless account (I do use AT&T service for my blog).  If you are interested, here are the full AMEX Offer terms:

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My March App-O-Rama Credit Card Sign Up Bonuses Post

Good morning everyone, I hope you are all having a great week.  By the time you read this post, I will be ATVing around the island of St. Kitts (I know, tough life).  Anyway, I wanted to talk about one of my favorite topics – credit card sign up bonuses.  In March, I discussed Which 10 Credit Cards am I Considering for my March App-O-Rama and then in early April, I wrote about my March App-O-Rama Results.  In this post, I will share with you my plans (if any) for redeeming my miles and points.  If you have any better suggestions than the ones I share in this post, please let me know in the comments.  Thank you!

To get started, I was approved for the Bank of America Alaska Airlines Visa Signature Credit Card and the Bank of America Alaska Airlines Business Credit Card.  Both credit cards offered 30,000 Alaska Airlines miles after spending $1,000 in 3 months along with an Alaska Airlines Companion Ticket (which can now be used on Virgin America).  I have a few other Alaska Airlines Companion Tickets in my Alaska Airlines account, so I will probably not use them all.  60,000 Alaska Airlines miles is worth ~$900 to me (valuing Alaska Airlines miles at 1.5 CPP).  I don’t have an exact use in mind, but I like flying on Virgin America first class when I fly from SFO to JFK.

Alaska Airlines Personal Business 30,000 Mile Bonuses Posted

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PSA: Check your American Express OPEN Small Business Savings Preferences (5% Cash Back vs. 2 Membership Reward Points)

Buenos dias everyone. A few months ago, I purchased some items from HP.com using my American Express Business Platinum Charge Card, which offers the choice between 5% cash back or 2 bonus Membership Reward Points per dollar spent on purchases from HP and other select merchants through the American Express OPEN Small Business Savings program.  All American Express issued business cards are part of OPEN – Membership Rewards-earning cards offer a choice between the two, while others like the American Express Starwood Preferred Guest Business Credit Card only offer the 5% cash back option.

5% cash back is clearly worth more than 2x Membership Reward Points, so I was disappointed when I realized that the card defaulted to 2x Membership Reward Points and I had never changed my savings preferences. I chalked it up to experience and switched the settings in my OPEN preferences so I wouldn’t make that mistake again.

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Why I Make Kiva Loans & One Woman Brewing Change in Africa

Are you a supporter of Kiva loans? Many in the points and miles world are. Kiva, a micro loaning business, allows you to make loans, for as little as $25, to low-income entrepreneurs and students in over 80 countries. By using a credit card and Paypal, you load money to your Kiva account and then make loans. When the loans are paid back, you can always withdraw the funds or make new loans. In making these loans, miles and points are generated either by completing the minimum spend on a new credit card or by using credit cards you want to accrue miles/points on. Of course, your first priority should be your willingness to fund these loans. I find most miles/points folks do fund Kiva loans because they believe in Kiva and the concept of micro loans.

Kiva Loans Homepage

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