If you eat out a lot, the CITI forward card gives you 5 “thank you” points per dollar for restaurants. As long as you don’t buy the overpriced stuff the program tries to get you to use points for, and instead get gift cards in $100 increments, that equates to 5% back on restaurant spending.
If you have AT&T bills the Citi AT&T card also gives you 5 thank you points per dollar spent, and thank you points accumulate into one account from different citi cards.
It is hard to keep up with the constant changes in card reward programs, but it is a sad state of affairs that the return on credit card reward program spending exceeds the rate of return you get on savings accounts.
