I guess I would be a
2). Coupon cutters: they don't carry balances either. They carry 10 cards at all time trying to get the biggest cash back they can for each purchase. They complain about sign up bonuses because they spend such a little bit of money that they can never reach the spend. They get a new card if they can save 2 dollars a year in a category.
But, I don't complain about sign up bomuses because I can make the spend and add that to my cashback balance. I also don't carry 10 cards. I have maybe 4 Gas, Groceries, Catagory spend and 2.5% card for everyday purchases. If a card offers me a bomus for a certain amount of spend it is easy for me to route my normal spending habits to that one card to make the bonys and then reroute bacl to the cards that give me the best cash back for what I am using it for,
