Whats your everyday card?

[B335is]

I use SPG and Penfed Cash Rewards as my everyday cards. Penfed primarily for gas and SPG for everything else.

[Anonymous]

My options are extremely limited right now because I'm in the rebuilding phase, but 99% of my spend goes on my Discover and I only use my Cap One card about once a month (it'll probably be less once Discover is available for Apple Pay).

I still earn 2.5% back on average every month, so I feel I'm doing pretty good right now.  I'd rather earn rewards than not and I'd rather deal with Discover's customer service if something goes wrong.

[SMDLiquid]

Wife & I use the combo of the Freedom + CSP & Amex EDP for our daily purchase. Dont have one everyday card 

[taxi818]

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@Anonymous wrote:

I only have two rewards cards so it isn't hard for me to pick my everyday card. I use the QS1 for everything except dining lately, because it is one of the 5% categories with Discover right now. The Cap One platinum has only been used one time since I got it. Man that one was a waste of 3 HPs. I wish I could go back in time and not app for that one.

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Means youve outgrown it. just go to cap one and tell them to upgrade you. its that simple. maybe as well earn your money on it.

[Platinum]

Citi Double Cash WMC.

[Anonymous]

My Amex Blue Cash Everyday has generally been my main since I got it, I put the most spend through that one. Mostly because I like the card, it offers nice rewards, Amex is cool, etc. But they have been my highest CL since I got it, and still have 0% APR until next year, so I like to support it. The rest I just trade off on, Discover & Freedom mainly in their categories.

Also, I have my phone bill & car insurance on my WF card, just because it's my oldest line and was what I had at the time. Their cell phone coverage definitely makes that worthwhile to keep with them, although I suspect I'll move the car insurance to something else at some point.

Once I get the Citi Double Cash and Cap1 Quicksilver I suspect those two will get a lot more usage for things that don't fit into other categories.

[EdMan63]

Chase Freedom. 

[longtimelurker]

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@Pitt570 wrote:

so is it normal to use my csp as a everday card??

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Depends on

a) how much you value UR.   If you value them at 2+c per UR (as many do) it makes sense 

b) what other cards you have.   If you have a card with a 5% category, using that on category spend is probably better than 1UR, but only if you care enough!

[Anonymous]

Groceries: Amex BCP

Gas: Sallie

Restaurants: Freedom

Online shopping (at Saks, Macy's, etc): Discover for the 15%, 10% cash back

Amazon: Sallie

Everything w/o a category: Citi DC

The others either have a monthly small automatic charge or get rotated to make sure they're not inactive for more than three months. 

[Anonymous]

Gas/walmart/target: Sallie Mae 5%
Restaurants: Freedom while in 5%/after that CSP for 2%
Everything else: cap one 1.5%