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The Case For Tipping On A Credit Card As Opposed To Cash At Restaurants

By Owen Galvez
Published in Credit Cards
June 20, 2023
1 min read
The Case For Tipping On A Credit Card As Opposed To Cash At Restaurants

As more and more people are using their credit cards to pay for their restaurant bills, the question of whether or not to tip on a credit card has become an issue. The traditional way of giving tips is to use cash, but tipping on a credit card has its advantages. In an interesting article, we explore the pros and cons of tipping on a credit card versus cash at restaurants.

One of the most notable benefits of tipping on a credit card is that it’s much more convenient than carrying cash. It’s no secret that carrying cash can be a hassle, especially if you’re going out to eat with a large group of people. With tip included on your credit card payment, there’s no need to worry about dividing up the bill or making change. Additionally, tipping on a credit card can often provide a more accurate record of your spending, which can be helpful come tax time.

However, there are also downsides to tipping on a credit card. The biggest issue is that you don’t know if the full amount of your tip will go to the server. Many restaurants deduct processing fees from tips left on credit cards. So even if you leave a generous tip, the server may not receive the full amount. This can also be a problem if the restaurant uses a tip pooling system, where all tips are divided amongst servers. In this case, your generous tip may end up reducing the tips of other servers who did not receive as much from their own diners.

Personally, as a veteran of the restaurant industry, I have experienced the frustrations of not receiving the full amount of my tips left on credit cards. However, I have also appreciated the convenience of not having to deal with cash in my apron.

In conclusion, while tipping on a credit card may be more convenient, it’s important to be aware of the potential downsides. As always, it’s up to the diner to decide whether they want to tip on a credit card or with cash. But regardless of the chosen payment method, remember to show appreciation for the hardworking servers who make dining experiences so enjoyable.


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Owen Galvez

Owen Galvez

Food Critic

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