topic Re: Daily Drivers in Credit Cards

Daily Drivers

Anonymous — Tue, 11 Sep 2018 12:47:51 GMT

Hey guys.

I was just wondering how many "daily drivers'" people carry on a consistent basis in their wallets. By this, I mean cards that are always in the wallet, not those that get rotated in and out.

Right now, I carry AMEX BCP and CITI DC, but am thinking of adding SAVOR back in the wallet, too.

Re: Daily Drivers

Anonymous — Wed, 12 Sep 2018 02:22:00 GMT

I value Amex MR points therefore I have my Amex PRG and BBP in my wallet @ all times to accumulate MR points for everyday personal/business spend. I also keep the BofA cash rewards in my wallet to earn some cashback (5.25% gas, 3.5% groceries).

Re: Daily Drivers

Broke_Triathlete — Tue, 11 Sep 2018 13:08:29 GMT

I've always had a daily driver since my rebuild. It used to be the QS (which is still in my wallet today) but has been replaced with the AMEX platinum. Not as powerful on daily rewards, but I like to keep things simplistic and not chase rewards.

Re: Daily Drivers

redpat — Tue, 11 Sep 2018 13:20:54 GMT

I only carry two cards for personal use EDP and CSR for all dinning (personal & biz) and for non-amex merchants

Re: Daily Drivers

Anonymous — Tue, 11 Sep 2018 13:23:51 GMT

At this time, I'm making my new NFCU cashRewards my driver for grocery/gas purchases, my newer Discover IT for restaurants (5% cash back to the end of this month), CareCredit for healthcare-related purchases (especially dental, which I've had substantial expenses on this year) wherever it's accepted, and PayPal 2% CashBack MC or Capital One QS Visa for most other stuff.

Re: Daily Drivers

Cred4All — Tue, 11 Sep 2018 13:24:41 GMT

My daily drivers have recently changed, but I carry about 5 with me just in case any specific card is not excepted during international travel.

New primary goto's: CSR Visa, Amex Platinum, Citi Aadvantage Mastercard

Re: Daily Drivers

Medic981 — Tue, 11 Sep 2018 13:38:11 GMT

I carry Citi DC, Amex EDC, BoA Cash Rewards, and Discover IT. Cap1 QS1 is in the SD.

Re: Daily Drivers

Anonymous — Tue, 11 Sep 2018 13:49:43 GMT

Discover It (1st year double cashback 5% cat's) I buy giftcards for non cat quarters

Sam's Club MC (5% cashback on gas, 3% dining) I use for gas only

USB+ (5% utilities & cell phone)

WF Propel Amex (3% travel & streaming services)

BBVA Compass (2% cash back on everything)

Re: Daily Drivers

staticvoidmain — Wed, 12 Sep 2018 04:21:39 GMT

I have two I carry with me everywhere (including abroad).

1. Paypal Cashback Mastercard (2% everywhere) - (superseded my Cap1 QS MC)

2. Costco Anywhere Visa Card (Gas, Restaurants, Travel)

I also carry my Amazon Prime Visa Signature, as backup. Aside from that, I have the Paypal Business Debit Mastercard as well. If I get approved for the Uber Visa Card, I will add that as well.

Re: Daily Drivers

Revelate — Tue, 11 Sep 2018 14:01:04 GMT

CSR.

I'm already on a replacement card as it split apart apparently from too much use or something. Actually sometimes that's the only card I have on me even if I know that's just dumb but I've gone weeks multiple times without swiping a single other card.

Re: Daily Drivers

Anonymous — Tue, 11 Sep 2018 14:14:46 GMT

When not making a SUB or factoring in rotated category cards like discover I carry:

Citi DC - 2% back on non category expenses

Cap 1 Savor - 4% back on Restaurant/Entertainment and 2% back on groceries

Citi TY Premier - 3 TYP back on all travel including gas

Of course, I rotate a couple cards for situational purposes depending on if they will be used that same day. For instance, I only use Venture for hotels.com, care credit for healthcare etc. Obviously, I remove these cards after I have used them for their specific purpose.

That’s essentially all the cards I will carry in my wallet at all times when not making a SUB or using a rotated category. I like to keep things simple.

Re: Daily Drivers

Anonymous — Tue, 11 Sep 2018 14:29:42 GMT

Discover - 5% categories (I also stock up on gift cards to use the rest of the year. Will be dropping a few grand on Costco ones next quarter

PenFed Pathfinder Amex - 4x points on travel

Target - 5%

NFCU Cash Rewards - 1.5% cash back on everything else

About to switch my "on everything else" card to PenFed Cash Rewards for 2% now that I've paid off all of the 0% balances I had on it.

Re: Daily Drivers

xaximus — Tue, 11 Sep 2018 15:19:03 GMT

I swap between a few different cards depending on where I'm at and what I'm buying. For gas - currently use the Chase Freedom because of the 5% CB. For groceries - alternate between BCE and Cash Rewards, other purchases - Citi DC.

Re: Daily Drivers

Anonymous — Tue, 11 Sep 2018 15:24:06 GMT

I'm trying to hoard Amex MR points so my daily drivers are the PRG and EDP. I also always keep my Chase Amazon Visa and CO QS on me just in case.

Re: Daily Drivers

jl4 — Tue, 11 Sep 2018 15:28:54 GMT

Right now I have a few which serve unique purposes:

- BECU Visa: regular spend not matching any of these (1.5% CB)

- Discover: Categories (right now, restaurants) (5% CB + %5 CB match)
- Costco Visa: Gas, Costco shopping (4%) (and restaurants (3%) when not Discover)

- AmEx BCE: Grocieries (3% CB)

Re: Daily Drivers

Anonymous — Tue, 11 Sep 2018 15:31:51 GMT

I'm still early in the process of setting up my rotation of cards - I didn't get into CC rewards too deeply until a year ago. Right now, I put just about everything on my Discover IT Miles (still in my first year for miles match, so 3% cash back on everything) and carry my Chase Freedom Unlimited for the rare merchants that don't take Discover. Amex BCE is temporarily SD'd but will come back into the fold after my miles match period is over for groceries. I'd also like to have the Uber Visa and Paypal Cashback Card by then as well.

Re: Daily Drivers

wasCB14 — Tue, 11 Sep 2018 15:34:45 GMT

By transaction count, CSR is the leader as I've been traveling (and eating out) a lot lately. It does not win by total spend, however.

Maybe it's just me, but I associate "daily driver" with a card I would use most of the time, and only deviate from with excellent reason. Having 4-5 would seem to dilute the term's meaning.

Re: Daily Drivers

Anonymous — Tue, 11 Sep 2018 15:38:16 GMT

BCE - Grocery (Substituted out during Discover & Freedom 5% Grocery Quarters)

Savor - (Substituted out during Discover & Freedom 5% Resturant Quarters)

USAA Amex - (Substituted out during Discover & Freedom 5% Gas Quarters)

*This is a 5% Gas Cash Back on Gas Card, so Discover only for 1st year for the Match and Freedom if I want UR Points.

Citi DC - General Spend

CSP - All Work Related Travel

Re: Daily Drivers

xvassagox — Tue, 11 Sep 2018 15:49:12 GMT

BofA Cash Rewards(5.25% gas, 3.5% grocery and Costco)

BofA Travel Rewards(2.625% general spend)

Barclays Uber(4% dining, 3% travel)

Target(5% Target) technically not in my wallet as I just use the Target app to pay

Re: Daily Drivers

Kforce — Tue, 11 Sep 2018 15:53:16 GMT

Bank of the West Cashback MC ( 3% -- Resturant, Fast Food, Grocery, Gas )

FNBO - 2% Cashback Visa ( 2% -- General Spend)