https://ficoforums.myfico.com/t5/Credit-Cards/How-to-get-the-most-out-of-my-cards/m-p/5663612#M1652263 I guess part of me making this post was just being lazy and not wanting to look it all up haha. I figured you all know these cards best. But alas, I shall search for myself! Sat, 29 Jun 2019 14:56:23 GMT Anonymous 2019-06-29T14:56:23Z https://ficoforums.myfico.com/t5/Credit-Cards/How-to-get-the-most-out-of-my-cards/m-p/5663600#M1652258 I have an nRewards card through Navy Federal that I run all my purchases through. However, I just got a few new cards and need help figuring out how to get the most out of them (rewards points or cash back).<BR /><BR />Here is what I have:<BR />Navy Federal nRewards - $2000 limit<BR />Amex EveryDay - $500 limit<BR />Bank of America Cash Rewards - $1000 limit<BR />Capital One Quicksilver - $600 limit<BR /><BR />I run about $4000 worth of purchases through each month and always PIF multiple times throughout the month. Thank you for the help! Sat, 29 Jun 2019 14:39:32 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-to-get-the-most-out-of-my-cards/m-p/5663600#M1652258 Anonymous 2019-06-29T14:39:32Z https://ficoforums.myfico.com/t5/Credit-Cards/How-to-get-the-most-out-of-my-cards/m-p/5663601#M1652259 <BLOCKQUOTE><HR />@Anonymous&nbsp;wrote:<BR />I have an nRewards card through Navy Federal that I run all my purchases through. However, I just got a few new cards and need help figuring out how to get the most out of them (rewards points or cash back).<BR /><BR />Here is what I have:<BR />Navy Federal nRewards - $2000 limit<BR />Amex EveryDay - $500 limit<BR />Bank of America Cash Rewards - $1000 limit<BR />Capital One Quicksilver - $600 limit<BR /><BR />I run about $4000 worth of purchases through each month and always PIF multiple times throughout the month. Thank you for the help!<HR /></BLOCKQUOTE><P>You'll need to give us the features of each card's category/CB structure in order for us to help you. And most likely, once you make your list, it will probably become obvious to you what/when/where to use each card.&nbsp;<img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /></P> Sat, 29 Jun 2019 14:46:22 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-to-get-the-most-out-of-my-cards/m-p/5663601#M1652259 CreditInspired 2019-06-29T14:46:22Z https://ficoforums.myfico.com/t5/Credit-Cards/How-to-get-the-most-out-of-my-cards/m-p/5663612#M1652263 I guess part of me making this post was just being lazy and not wanting to look it all up haha. I figured you all know these cards best. But alas, I shall search for myself! Sat, 29 Jun 2019 14:56:23 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-to-get-the-most-out-of-my-cards/m-p/5663612#M1652263 Anonymous 2019-06-29T14:56:23Z https://ficoforums.myfico.com/t5/Credit-Cards/How-to-get-the-most-out-of-my-cards/m-p/5663616#M1652264 One thing that may be helpful is to figure out what rewards you want from your cards. Points or cash back? You’re kind of split now with the the BOA and CapOne QS earning cash back and the ED earning MR points.<BR /><BR />Both rewards systems can certainly coexist and be useful to someone, but when your spend is relatively low the rewards can quickly become diluted.<BR /><BR />I guess if I was in your situation, I’d focus my spend on cash back cards. JMHO though. Sat, 29 Jun 2019 15:03:25 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-to-get-the-most-out-of-my-cards/m-p/5663616#M1652264 Anonymous 2019-06-29T15:03:25Z