Anyone just use one or two cards ?

[Anonymous]

Unfortunently no for me. I have 9 cards, 2 of which i want to cancel, but they are holding my AAoA up.

If I was going to only have 2-3 cards, I'd get the FNBO TravElite and Capital One Premier Dining Rewards (both have no FTF so I never would need another card, though one is Amex). Maybe I'd add the Amazon Visa if I wanted a second reliable no FTF card.

Or I'd go with the Chase Trifecta (FU, F, and CSR/P). And Cap1 Premier Dining if i needed a second no FTF card.

[marcforza1]

Have three but really using two at the moment. 

Chase Freedom- AU on it so I don't mess with it unless I really have to. 

Cap1 Platinum- Gas, basic fast food. 

Chase FU- Small online orders, vacation spending if necessary. 

[NRB525]

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@darkfrosty wrote:

Does anyone here just use one or two cards ?? 

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I use only one card for any single transaction.

[Anonymous]

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@Anonymous wrote:
Unfortunently no for me. I have 9 cards, 2 of which i want to cancel, but they are holding my AAoA up.

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FYI, cancelling cards does not impact AAoA, positively or negatively as all accounts both closed and open are factored into AAoA until the closed account reaches 10 years being closed.

[AverageJoesCredit]

Normally carry the one im going to use but now that i think of it , should carry a backup

[Anonymous]

Of the five or so cards I have. Only carry one for every day purchases which is the Fidelity Visa. In the past I had the salie mae for qualitied purchases of 5%. But as we all know it was disco'd. Can't find a resonable replacement unless apping for two to three cards, which is something I don't want to do.

I use the BBR card but only for subsciptions totalling $40 month, maximizing cash back.

Everything else is pretty much SD with a minimum purchase to keep alive.

I plan on apping for the USAA Limitless when available in my state and will use it for my daily spender with Fidelity visa as backup.

[Anonymous]

Before last year, I used my bank debit card for everything except the occasional Amazon purchase.

Since last year, I use the debit card on lower value transactions to get up to the number of transactions I need per month for rewards checking and the Quicksilver for everything else. Just added the Blue Cash Everyday, so that's now my go to card for all grocery & gasoline transactions and Quicksilver is mainly how I pay the bills.

[Anonymous]

I mainly use the CSP and the Freedom Unlimited. I'm using the regular Freedom now for groceries cause it's the bonus period. I'm a big UR person.

[galahad15]

Of the cards in my collection, the ones that get the most regular usage atm would be:

(1)  BEFCU VISA  (for everyday spend: 1.5% rewards + low APR)

(2)  PACU MC  (for everyday spend: ~1.5% rewards + low APR)

(3)  Citi DC / Cap1 NHM MC / FNBO BucksBack VS  (for everyday spend: 2% cashback rewards)

(4)  BoA Cash Rewards MC (for recurring 0% BT promos)

(5)  BBR  (for recurring monthly subscriptions for quarterly bonus)

(6)  Blispay  (for 6 mo., 0% promo categories, 2% cashback)

(7)  US Bank Cash+  (for 5% / 2% recurring quarterly categories)

The new FNBO Amex TravElite card that I just got in the mail yesterday is starting to get some usage as well.

[Anonymous]

galahad15,

Question about a couple of your cards.  Number 1 and 2 on your list I know nothing about, but what benefit(s) do they serve that's better than Number 3 and 6 on your list that provide slightly better CB at 2% verses 1.5%?