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I guess getting 3% points on dining then getting a another 1.5% when applying points using PYB (4.5% return) isnt going to be beatable with any other card.
It is beatable when cards rotating cards are at 5%.
Right.... 3% isn't anything special for restaurants. There's several category cards that give up to 5% and there are free cards that give 3% for restaurants all year round. PYB is what makes the CSR compelling for restaurants while it lasts. Especially for someone like me who has a boatload of points to go through.
If you think that if tomorrow rewards disappear, prices will somehow decrease, I've got a bridge to sell you.What would we possibly do without this revelation?
You are bluffing and I WILL now call your bluff,I am ready to buy,show me your bridge.
if you ever travel overseas,merchant fees are much higher than ours,small shopowner just cringe when they see you whip out a card.
The last time I was in JAPAN,there is a sign in a restaurant that they only take cc if it is over 10,000 yens!!!
Our merchant fee could be as low as 1%,but most small shops pay more and there is a transaction fee,say 10 cents.and some charges an annual fee say 99 dollars,and chargeback fee can vary ,it can go as high as $50,but most are $35.
and that machine ,there is rental fee per month.
All for the convenience of customers not having to carry cash or buy now,pay later
It is beatable when cards rotating cards are at 5%.
Funny, I didnt think I sent that because I realized that there were likely rotating category type cards that beat it. However, categories that cap spending usually dont work for me because my spending is usually either too high or too low to matter. In this case, we spend substantially more than $500 on dining per month so we would have to switch cards when reachint that point and I am trying to avoid situations like that.
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