topic Re: What’s your current daily driver? in Credit Cards

What’s your current daily driver?

Anonymous — Wed, 09 Oct 2019 01:53:57 GMT

I haven’t seen this question posted in a while so I thought I would get a current picture.

When not chasing a signup bonus what is your daily driver for non-category spend?

Re: What’s your current daily driver?

joltdude — Wed, 09 Oct 2019 02:02:54 GMT

Its not optimum but Double Cash or sometimes Amex CM.. esp if i have concerns about purchase protection....

And CM (currently) has contactless... just ordered the DC variant.....

-J

Re: What’s your current daily driver?

wasCB14 — Wed, 09 Oct 2019 02:15:05 GMT

CFU but considering BofA Premium Rewards...a slight shift to cash back while I use up some miles and certificates.

Not very happy with BofA banking, though.

Re: What’s your current daily driver?

ChargedUp — Wed, 09 Oct 2019 02:22:43 GMT

CFU for everything that's off category...

Re: What’s your current daily driver?

Anonymous — Wed, 09 Oct 2019 02:30:31 GMT

Discover IT Miles. I just got it last month so I earn 1.5% back now and get another 1.5% when they give me my match in a year.

Re: What’s your current daily driver?

Jkrause702 — Wed, 09 Oct 2019 02:32:32 GMT

Until I fulfill my 3k spend for 50k MR it's my shiny new Amex Gold.

Then it will be a combo of BCE for Gas, Gold for Groceries, and QS1/Cash Magnet for everything that doesn't fall into Discover's 5% category.

Sheesh, it's a full time job keeping up with which to use for what.

Re: What’s your current daily driver?

TSlop — Wed, 09 Oct 2019 02:41:04 GMT

Off-category I use my PSECU which is 2%.

I'm thinking about eventually grabbing a DC whenever a SUB comes back around to add a MasterCard to my collection to replace the PSECU. I am gardening though so I hope they don't bring it back too soon.

And just because: gas, groceries and restaurants go to my Hilton, travel goes to my BoA PR and online purchases go to my BoA CR. I substitute my Discover in for whatever the 5% category is those months.

Re: What’s your current daily driver?

icednightpaper — Wed, 09 Oct 2019 02:39:25 GMT

AMEX Gold to be honest. I spend so much on food (dining/groceries) that it just makes sense. Although CFU for outside food, my spend is able to support both rewards ecosystems thankfully.

Re: What’s your current daily driver?

Anonymous — Wed, 09 Oct 2019 02:40:04 GMT

I use DC. Most of these purchases lately aren't needing an extended warranty (bed, already has 10+ years on mattress, full year gym membership, car maintenance, golf, cable/internet, lawn service, auto insurance (6 mos), eyewear) so its perfect for that.

Re: What’s your current daily driver?

Gunnerboy — Wed, 09 Oct 2019 02:48:36 GMT

In my wallet:

AMEX Gold - all dining, groceries

Costco Visa - weekly Costco

Apple Card - anywhere Apple Pay is available (really no need to carry this)

Alaska Airlines Visa - when Apple Pay is NOT available

Re: What’s your current daily driver?

Stralem — Wed, 09 Oct 2019 02:59:17 GMT

Right now, the Amex Platinum of all things. It earns me practically nothing, but I don't care. It pays for my morning coffee just as well as any other card. It Just Werks.

Honestly, I think I'm just tired of the whole rewards game and need a break.

Re: What’s your current daily driver?

SoCalifornia — Wed, 09 Oct 2019 03:02:37 GMT

CFU. But there's some occasional swapping- since my Discover is still within the Cash Match year, so 2% off category and 10% on category makes me switch rides

Re: What’s your current daily driver?

JNA1 — Wed, 09 Oct 2019 03:25:51 GMT

Discover It Cash Back. I’m still within the first year, so getting 2% on everything and 10% on bonus categories is awesome. I honestly wish this card would stay like this. I’m on pace to funnel around $47,000 through this card for the year. When the cash match happens, I’ll have $1300+ sitting there waiting on me.👍

Re: What’s your current daily driver?

ToxikPH — Wed, 09 Oct 2019 03:32:20 GMT

I honestly keep 7 different cards in my wallet.
Cap1 Venture - Noncat spend (negative point balance from a refunded hotel stay)
BBP - Not sure why it's in my wallet, doesn't get any use besides tuition
Amex Gold - Dining
Amex Platinum - Not sure why it's in my wallet either as I only use it at home but flex
Discover - Rotating (Doesn't need to leave home this quarter)
Freedom - Rotating (Doesn't need to leave home this quarter)
Apple - Flex

Re: What’s your current daily driver?

Anonymous — Wed, 09 Oct 2019 03:52:54 GMT

Amex Gold is my daily driver. I use my Discover for 5% catagories, still in the first year so its technically 10%. I use my Quicksilver as a catch all if Amex isn't accepted.

Re: What’s your current daily driver?

AverageJoesCredit — Wed, 09 Oct 2019 03:55:32 GMT

Discover Chrome

Re: What’s your current daily driver?

Aim_High — Fri, 31 Jan 2020 18:07:03 GMT

I’m been SUB-chasing almost a year and a half straight with Chase so it’s hard to say what it will be next. It probably is a card I don’t currently carry. I expect to get another few card SUBs before I garden for awhile. For past six months, it’s been mainly my Chase Marriott Bovoy Boundless and World of Hyatt which have given me a sweet $1650 in hotel stay SUBs.

My new daily driver after any SUBs will probably be either the BofA Premium Rewards with Platinum Honors Preferred Rewards if I am approved (or) a 2% card like the PenFed Power Cash which I prefer over CITI DC or PayPal MC. Once I spend down my accrued Ultimate Rewards some, I may also return some daily spend to CFU for future travel but I’m about tapped out on what I need for now. I do love the Chase Quadfecta though! The PR or PFPC will just give me a better cash-out capability than I have with Chase when I don’t want the travel.

*Edit*: Got the PenFed Power Cash Rewards in November 2019 and completed the $1500 spend for $100 SUB. My target card for 2020 is still the BoA Premium Rewards and moving funds to qualify for Preferred Rewards Platinum Honors level. For uncategorized spend, that would leave me four high-payout options: PenFed PowerCash or Apple Card: on Apple Pay for straight cash-back at 2%, Chase FU at 2.25% on UR travel redemption, and BoA PR at 2.625% for straight cash-back. (added 01/31/2020)

Re: What’s your current daily driver?

SoCalifornia — Wed, 09 Oct 2019 04:04:03 GMT

@AverageJoesCredit wrote:
Discover Chrome

Just driving to pick up grub everyday, AJC?

😂😂😂🤣🤣😁😓

Re: What’s your current daily driver?

SEAlifer — Wed, 09 Oct 2019 04:57:15 GMT

Discover all day. I'm getting the first year cashback match and my only other card just gives me 1% back.

Re: What’s your current daily driver?

wasCB14 — Wed, 09 Oct 2019 06:42:47 GMT

@Stralem wrote:
Right now, the Amex Platinum of all things. It earns me practically nothing, but I don't care. It pays for my morning coffee just as well as any other card. It Just Werks.

Honestly, I think I'm just tired of the whole rewards game and need a break.

Planning on trimming the AFs?

I'm likely to close Savor and downgrade BCP back to BCE. I'm even questioning the value of CSR with Amex improving travel insurance.