What is the best dining credit card? Is better to use Chase cards to earn points (flex at 3%, but potentially higher for future travel partner transfer) or use BoA cash reward card with exiting Preferred Reward program (3% x 1.75%)? BoA seems pretty an easier win?

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Capital One Savor. I think 4% cash back on restaurants. The annual fee is worth it in my case.

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The two Chase sapphires & Amex gold/plat all have better dining rewards than Chase flex or BoA

Yea I thought about the dining credits. But the app itself costs more lol. I don’t usually order there. Otherwise would work out fine

With CSR, you get 3pts/$1, but cash out at a 50% bonus. That’s 4.5% back. You need to look at earn and burn value.

The fee is $450 - $300 travel credit (includes groceries now) - $60 door dash - 1x/5yrs global entry fee - peloton or other credits. So. $90 a year without peloton. It pays for itself for me, many times over.

Yea that’s my thought on BoA...I currently have 3%x1.5 at 4.5%....will hit 5.25% at some point....if that’s the case I feel BoA will be better? I’m just not sure if chase ultimate points will worth more than boa at that stage haha

Chase sapphire reserve errday

In a vacuum, for any particular category, our Cash Rewards card in the top rewards tier is a winner.

If trying to maximize every benefit across multiple categories, you should have like 5-6 cards and use whatever gives you the most benefit.

yea I saw it too. I’m not a frequent traveler so the Cash Reward works better on me. Default 3% increase to 5.25% haha

Also, OP how did you qualify for preferred rewards? I’m assuming it was investing through Merrill vs. keeping cash in savings?

Been wondering if it’s worth investing with Merrill just to get preferred rewards. I use Fidelity right now

yea ETF I’m know. I was hoping free trade on mutual fund haha. Thanks though

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