Best card for non bonus categories?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
I've never thought of doing this. Brilliant! Now, when I'm with friends and family, I will tell them to charge to my card and just give me the money haha 😂

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Haha that's how I rack up a lot of pts & cashback 😂😂

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Ditto

[Anonymous]

I have both discover and freedom. Whenever there is a bonus category going on I just use either of those cards to get more points (unless it's hotel stay) on non category spending.

[longtimelurker]

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@Anonymous wrote:
I have both discover and freedom. Whenever there is a bonus category going on I just use either of those cards to get more points (unless it's hotel stay) on non category spending.

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But then it's not "not category" spending!

[Anonymous]

I guess so but I hate spreading everything through tons of different cards. I started weaning myself off of micro managing every single reward and it's worked. I really did good with discover this year.

[kdm31091]

I think micro managing a bunch of cards and rewards is fine if that's what people like doing but I agree the benefit vs effort hasn't been totally useful for me. I've been slowly giving up the "a card for this, a card for that" mentality and focusing my spending more on a few cards. Seem to be providing me with bigger chunks of rewards instead of 5 cents on 20 cards.

[longtimelurker]

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@kdm31091 wrote:
I think micro managing a bunch of cards and rewards is fine if that's what people like doing but I agree the benefit vs effort hasn't been totally useful for me. I've been slowly giving up the "a card for this, a card for that" mentality and focusing my spending more on a few cards. Seem to be providing me with bigger chunks of rewards instead of 5 cents on 20 cards.

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Also, for those that can redeem the points "well", cards like the EDP, and the FU (with a transfer card) make it easier: if you earn a minimum of 1.5 MR/UR per $ and you vale each highly enough, you are losing very little compared to micromanaging.  (And the EDP also takes care of gas and groceries)

[Anonymous]

Don't get me wrong..I still use certain cards for certain things but if I don't it's really not a big deal. Only thing that use that as a rule for anymore it's hotel cards. It's a waste not to them for hotel stays.

[Imperfectfuture]

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@Anonymous wrote:
I have both discover and freedom. Whenever there is a bonus category going on I just use either of those cards to get more points (unless it's hotel stay) on non category spending.

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Same, except for no hotel cards (need to update sig).