Happily charge dinner…You’re out with other people and they want to pay cash for the bill…say thank you! Charge the whole bill and collect the cash. You just earned reward points for the entire bill instead of just your portion. If you are hesitant to do so because you do not want to be faced with that big charge on your bill, take the money and throw it in a drawer and take it out when it is time to pay the bill. I know, easier said then done, but JUST DO IT!!!