5x Rewards at Restaurants
Again, at 1 penny per point with gift cards, getting 5x points is like getting 5% back when eating out. Even if you convert to straight cash, that’s still 3.45% cash back at restaurants (5/1.45). Or 3.57% back if you are okay with prepaid Visa card, which I am since they are usable anywhere that takes credit cards.

I have gotten my 5x rewards at fast food restaurants (McDonald’s), chain sit-down restaurants (Chili’s, etc), and also mom-and-pop places.

I’m going to get this card in a few weeks. I eat out too much.