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Most of my spending right now is in food so Chase Freedom for eating out. I use the Blispay for my occasional groceries. I pay the grocery bill in full and let the cash back chip away at my single promo. lol.
Next quarter will be different again.
@Random_idiot wrote:
Just out of curiosity, I see a bunch of people with multiple cards on here. So.. What card do you utilize the most and why?
I don't know what you're talking about....
No but really, I am mostly using 1 card at a time right now to finish getting sign-up bonuses. Once things stabilize, most of them have a category or several to be used for.
Eventually i want to whiddle it down to either points or cash-back if over 3%. If under, probably will use Freedom Unlimited since I value UR at 2.1 cents each, so 1.5 points per dollar is like... 3.15% value to me.
Likely, the wallet will have CSP, FU, PRG and Sallie Mae full time, with Disco rotating, and other cards for specific purchase types.
I have been using the double cash the most just b.c I prefer cash back rewards to the point system. I recently got the NASA FCU 2% cash back card with a 30,000 CL so I will probably start using that. If my understading is correct they only issues the cash back once a year, but that actually works out better for me since I like to build the cash back and use it for christmas or other big purchaes.
I don't really just use one specific card. I use the BOA cash rewards for gas/groceries, the Freedom for restraunts, Discover for Amazon, and QS1 for all else. When the new categories change for Discover and Freedom I will change what I use them for. Basically I choose the card with the best rewards for the purchase I am making.
This is always an interesting thread topic to me since even for the same people the answers might be different from previous threads, since habits and circumstances change over time.
In my case, I'm giving my BCP the usual 'love' in the form of my grocery and department store spending. I'm using my Sam's Club MasterCard for gas, hotel, and restaurant spending and Blispay for the occasional non-category purchase. I'm also using Discover exclusively for Amazon purchases.
Not being used 'daily' but still in circulation are my Citi Diamond Preferred and BoA BBR, both of which are carrying 0% balances. I also use my PRG once every couple of weeks to keep it 'active'.
I have one QS in my wallet as a 'just in case' and the other is in the SD with a recurring charge keeping it active. My USAA Visa is also in the SD, where it will likely stay for a while.
I am using my CSP and Amex ED most right now. Mostly to meet spending requirements for rewards. But afterwards, no telling what my top 2 will be.
Gardening since 8/13/2016
With restaurants being the category right now for Freedom, that's what I'm using the most since I eat out quite a bit during the work week. Other than that I use whatever will maximize the spend. Quicksilver is my best general spend card and CSP when I travel etc. To be honest since I'm in the process of building a home and obtaining a mortgage, I'm doing my best to minimize credit card use for anything other than necessities. I want to focus on my spending rather than chase reward points. Sometimes I think reward programs can lure you into spending more than you would normally if you're not careful.