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For me, the charity category has been the most useful, not because I give stuff away (worse than paying interest) but because my vet hospital is classifed as a charity. In bad times, we have managed to max out that category on both Cash + cards.
@Anonymous wrote:I'm very interested in this credit card but I was told that without relationship with US Bank it'll be very hard to get.
I had no relationship with US Bank when I applied. We don't even have US Bank down here.
@NRB525 wrote:Yes, and the BCP also stings with the AF. Cash+ just sits waiting patiently...
With only 2% on groceries. Pros and cons just as with any set of options and each needs to determine which suits the individual best. I find both of these useful. YMMV.