topic Re: Which card gets your biggest spend amounts? in Credit Cards

Which card gets your biggest spend amounts?

purebulldogs — Mon, 01 Aug 2022 01:00:14 GMT

I'm curious. For years amex had the highest purchase volumes and that was one thing they justified the higher fees for.

noticed in 2020 and 2021 Amex was no longer the purchase volume leader. Chase is listed as the leader now.

not that it really matters but I'm curious what chase or Amex has done different if anything at all

Re: Which card gets your biggest spend amounts?

Anonymous — Mon, 01 Aug 2022 01:06:29 GMT

@purebulldogs I use American Express Green everyday for everything. All other cards are occasional only.

Re: Which card gets your biggest spend amounts?

K-in-Boston — Mon, 01 Aug 2022 01:31:56 GMT

@purebulldogs wrote:
I'm curious. For years amex had the highest purchase volumes and that was one thing they justified the higher fees for.

noticed in 2020 and 2021 Amex was no longer the purchase volume leader. Chase is listed as the leader now.

not that it really matters but I'm curious what chase or Amex has done different if anything at all

For some reason companies (as well as consumers) in the US significantly reduced their travel spending in 2020 and 2021. That's a massive portion of Amex's credit card revenues.

Amex as a lender gets the overwhelming majority of my spend. For individual cards the past few years, probably neck and neck for Delta Reserve and the Gold charge card (~$30k each) being the most.

Re: Which card gets your biggest spend amounts?

Anonymous — Mon, 01 Aug 2022 14:37:56 GMT

@K-in-Boston wrote:
For some reason companies (as well as consumers) in the US significantly reduced their travel spending in 2020 and 2021.

Yes, I noticed! Some of the best flying experiences I have had. BOS=>AMS. Nov 2020 "Stay in your assigned seat for take off and landing so the plane is balanced. Then you can sit anywhere (in your class)" The few of us in coach (less than 20) had a choice of which entire wide body row to sleep on. On the downside, I was travelling into the UK in lockdown, pre-vaccine, which was perhaps a little risky, and explains the low passenger load.

Re: Which card gets your biggest spend amounts?

5KRunner — Mon, 01 Aug 2022 02:00:19 GMT

My wife and I have cards with 15 different lenders, but these 3 get the majority of our spend:

AmEx	31.24%
NFCU	15.18%
US Bank	12.92%

Stats are for this year, and they're heavily weighted toward AmEx as we've secured 3 signup bonuses, having already earned 90K MR on an AmEx Gold and working toward 90K on a Delta SkyMiles Platinum in my name and a 70K on a Delta SkyMiles Gold in my wife's.

AmEx gets the majority of our spend in the grocery and dining categories, while US Bank gets utilities and cellular, and finally NFCU gets all non-categorized spend.

Re: Which card gets your biggest spend amounts?

increasingmyfico — Mon, 01 Aug 2022 02:04:16 GMT

Amex Gold is my most used card most of the time.

Re: Which card gets your biggest spend amounts?

bigseegar — Mon, 01 Aug 2022 02:45:37 GMT

Probably my AmEx Platinum followed closely by my AmEx Gold and BCP cards

Re: Which card gets your biggest spend amounts?

OmarGB9 — Mon, 01 Aug 2022 03:01:59 GMT

Navy MoreRewards Amex since most of my spend is gas and dining. Amex BCP for groceries/streaming. Navy CashRewards and Cap One QS for non-category spend.

Re: Which card gets your biggest spend amounts?

Noctilum — Mon, 01 Aug 2022 03:05:36 GMT

At this point its my Citi Custom Cash... 3 of them to be exact. 1 dedicated to gas, 1 dedicated to grocery, 1 dedicated to restaurants. Then Citi Double Cash for anything not categoriezed. Cash+ for utility bills and cell phone.

got so ticked with my "point" cards depreciating in value this past year I've sock drawered them altogether in favor of cash back. At least I can spend the rewards on anything I want at this point.

Re: Which card gets your biggest spend amounts?

NoHardLimits — Mon, 01 Aug 2022 04:01:56 GMT

Two of my Amex cards generally wind up with the most spend during a typical month:

- Old Blue Cash

- Amazon Prime

Citi Double Cash winds up in third place unless I am trying to meet minimum spend requirements for a signup bonus.

The rest of my spend gets spread out over the remaining cards.

Re: Which card gets your biggest spend amounts?

Anonymous — Mon, 01 Aug 2022 07:40:11 GMT

Really depends on which card has the categories I need most and promotions that may be available. Spread spend over different cards.

Re: Which card gets your biggest spend amounts?

805orbust — Mon, 01 Aug 2022 09:53:21 GMT

Definitely Amex and Chase. Amex was always #1 until 2020, now I'm having a harder time justifying the Platinum however did upgrade my ED to EDP for gas. Now the Freedom Flex is #1 on the personal side with EDP a close 2nd. On the business side I WEAR OUT my Ink Preferred, Amex BBP, and my FNBO Evergreen.

Honorable mention for Disco (utilities on autopay) and NFCU Cash for insurances (auto, life for all family members) Sounds way complex as I write it down but seems pretty easy nowadays. 😉

Re: Which card gets your biggest spend amounts?

nytokyobred79 — Mon, 01 Aug 2022 12:34:42 GMT

@purebulldogs wrote:
I'm curious. For years amex had the highest purchase volumes and that was one thing they justified the higher fees for.

noticed in 2020 and 2021 Amex was no longer the purchase volume leader. Chase is listed as the leader now.

not that it really matters but I'm curious what chase or Amex has done different if anything at all

My Amex Delta Skymiles Platinum and Reserve get the most spend. But recently, I have been putting more spend into my CSR. Want to keep Chase happy so I give it some swipes.

Re: Which card gets your biggest spend amounts?

Hoben02 — Mon, 01 Aug 2022 14:51:30 GMT

Right now it's my southwest priority card becuz I get the targeted benefit of 5x on grocery, gas, and home improvement plus I fly them regularly. My next card is the bofa custom cash set to online purchase since I'm platinum honors and I play this money sucking online game from the Apple app store

Re: Which card gets your biggest spend amounts?

jcooks — Mon, 01 Aug 2022 15:00:07 GMT

I've used almost 100% of my spend on Amex, until I spent almost all of my Chase points to transfer to Hyatt for a week all inclusive in DR. I *tried* switching all my spend to Chase to get that back up, but Amex keeps pulling me back since most of my spend can be mutliplied easier on Amex network rather than Chase.

Currently using...

Groceries - Amex Gold

Rent - Amex Blue Business Plus

Travel - Amex Business Plat

Amazon shopping - Amex Gold (due to a promotion for +5 MR pts per $, wasn't available on my BBP)

Dining - Chase CSP

Garage parking - Hyatt (Currently still have 2x on all purchases promo for the first 6 months)

Misc spending/other utilities - Hyatt card (Currently still have 2x on all purchases promo for the first 6 months)

Re: Which card gets your biggest spend amounts?

JM427 — Mon, 01 Aug 2022 15:02:24 GMT

My Amex Gold ~30K Since I got the card on 6/13

JPMCB ~12K Since I got the card on 3/18

NFCU CR ~10K YTD

NFCU Platinum ~10K Since I got the card on 3/18

Amex HHoonors Surpass ~4K Since I got the card on 6/6.

Pen Fed Gold ~3K Since I got the card in June

Remianing Cap1's and Discover and GCEFCU ~5K YTD between them.

Re: Which card gets your biggest spend amounts?

jcooks — Mon, 01 Aug 2022 15:04:22 GMT

@bigseegar wrote:
Probably my AmEx Platinum followed closely by my AmEx Gold and BCP cards

Are you currently working on a Plat SUB? My Gold is my Amex workhorse compared to my Amex Plat. That's because my groceries/dining spend far outweight my travel spend by nearly 20:1. Do you use your plat for everything or for just travel?

Re: Which card gets your biggest spend amounts?

Taurus22 — Mon, 01 Aug 2022 15:56:47 GMT

I think @Anonymous hit on a good point with this topic.....

There are many people out there who benefit greatly from the Amex family, due to work and travel which is what most of their cards are structured for. But which card is getting the most love for most other people is going to depend highly on where their hishest level of organic spending goes, and which cards are offering spend bonuses for specific categories, etc. Usually, (not always, but usually) that's going to be Grocery, Dining, and Utilities. (And I think these days, unfortunately, Gas cards are getting a lot more attention)

General spend (non-category) cards will also usually see a fair amount of use, which is why most of us have one.

For me personally, Amex BCP (grocery), USBank (ultilities) and AODFCU (general spend) rise to the top. We have cut back on our dining in this inflationary period and I've also cut back on unnecessary driving due to gas prices, so those aren't reaching the level of spend they normally would.

Re: Which card gets your biggest spend amounts?

purebulldogs — Mon, 01 Aug 2022 19:46:03 GMT

For me lately it's been amex gold, cap one spark cash select, and elan/us bank. I rotate those 3.

Haven't been using my amex everyday much lately, wish they would change it to another card but they can't.

I'm considering applying for the amex I want more

Re: Which card gets your biggest spend amounts?

Anonymous — Mon, 01 Aug 2022 19:59:06 GMT

I guess mostly for travel, but "biggest spend" can be skewed by one-off purchases. Last year I needed some expensive dental work (OK, facial reconstruction to hide from the authorities who were being a little too persistent) and as my dentist took mobile pay, I used an Altitude Reserve. So for at least that month, the AR had by far the highest spend, whereas another card saw the most transactions.