I guess there are worse problems to have than not knowing which is the best card to pull out of my wallet when paying for a meal. When I went out for dinner with friends last night, we split the check and I needed to choose a card to pay for my share. I saw someone paying with an American Express Gold Card that earns four Membership Rewards per dollar and the other party was paying with a Capital One card that earns 4% cash back. So I needed to make sure my selection showed I know the best way to maximize points earning. I mean, I’m the one at the table who writes about points and miles, right? So why did I freeze and ponder which would be the best card for me to use?
It wasn’t that I didn’t have a card that earned a great return, it was that I had three cards in my wallet that each would earn a good return on the cost of my dinner. Any of them would be a good choice, but which card was the best choice and did I choose wisely?