Many thanks for the hellpful suggestion and advice jfriend, and for your very kind comments! 
@Anonymous wrote:
@Anonymous wrote:I pretty much use my Penfed Rewards card for everything because of the rewards such as groceries and gas and the CL is high plus the interest is low if I ever need to let a balance roll over. NFCU for gas and eating out. My other favorites are in my signature. All this being said, for certain purchases I still use other cards. I use my Bank of America Rewards for monthly bills. I like it because my rewards go directly into my savings acccount. If I have a large purchase on Amazon, I use my Amazon store card. For purchases I plan to pay over time I use Penfed Promise and Barclay Ring. For home improvement I use my Home Depot card. I also keep my BlisPay account busy for the cash back feature.
I'm surprised as the Plat Plat Rewards seems pretty bad as a daily driver! Outside of gas and groceries, the card gives about 0.8c per $ (based on redeeming for a Visa card), i.e. less than 1% At 2,54% for groceries, it's worse than a number of other free cards there. It's not bad for gas if you don't have a true 5% card. But IMO certainly not a good candidate for daily driver for those that normally PIF
Maybe I'm not understanding the term daily driver either.
I'm pretty much restaurants and gas for my swipes, and I swipe at far more restaurants than I do gas stations, hence the CSR being my primary use card = daily driver. Shouldn't be that hard to s/restaurants/groceries and come out with the same? Am I confused, again?
@Revelate wrote:
@Anonymous wrote:
@Anonymous wrote:I pretty much use my Penfed Rewards card for everything because of the rewards such as groceries and gas and the CL is high plus the interest is low if I ever need to let a balance roll over. NFCU for gas and eating out. My other favorites are in my signature. All this being said, for certain purchases I still use other cards. I use my Bank of America Rewards for monthly bills. I like it because my rewards go directly into my savings acccount. If I have a large purchase on Amazon, I use my Amazon store card. For purchases I plan to pay over time I use Penfed Promise and Barclay Ring. For home improvement I use my Home Depot card. I also keep my BlisPay account busy for the cash back feature.
I'm surprised as the Plat Plat Rewards seems pretty bad as a daily driver! Outside of gas and groceries, the card gives about 0.8c per $ (based on redeeming for a Visa card), i.e. less than 1% At 2,54% for groceries, it's worse than a number of other free cards there. It's not bad for gas if you don't have a true 5% card. But IMO certainly not a good candidate for daily driver for those that normally PIF
Maybe I'm not understanding the term daily driver either.
I'm pretty much restaurants and gas for my swipes, and I swipe at far more restaurants than I do gas stations, hence the CSR being my primary use card = daily driver. Shouldn't be that hard to s/restaurants/groceries and come out with the same? Am I confused, again?
It's hard to know if you are confused, how many fingers am I holding up now?
I view "daily driver" to mean the card I use as default, with maybe other card(s) used for certain category spend. But in the case of the quote, I was responding to
"I pretty much use my Penfed Rewards card for everything" If everything is just gas fine, if gas and groceries, ok but not all the great, but for anything outside those, getting 0.85% really isn't good.
@Anonymous wrote:
@Revelate wrote:
@Anonymous wrote:
@Anonymous wrote:I pretty much use my Penfed Rewards card for everything because of the rewards such as groceries and gas and the CL is high plus the interest is low if I ever need to let a balance roll over. NFCU for gas and eating out. My other favorites are in my signature. All this being said, for certain purchases I still use other cards. I use my Bank of America Rewards for monthly bills. I like it because my rewards go directly into my savings acccount. If I have a large purchase on Amazon, I use my Amazon store card. For purchases I plan to pay over time I use Penfed Promise and Barclay Ring. For home improvement I use my Home Depot card. I also keep my BlisPay account busy for the cash back feature.
I'm surprised as the Plat Plat Rewards seems pretty bad as a daily driver! Outside of gas and groceries, the card gives about 0.8c per $ (based on redeeming for a Visa card), i.e. less than 1% At 2,54% for groceries, it's worse than a number of other free cards there. It's not bad for gas if you don't have a true 5% card. But IMO certainly not a good candidate for daily driver for those that normally PIF
Maybe I'm not understanding the term daily driver either.
I'm pretty much restaurants and gas for my swipes, and I swipe at far more restaurants than I do gas stations, hence the CSR being my primary use card = daily driver. Shouldn't be that hard to s/restaurants/groceries and come out with the same? Am I confused, again?
It's hard to know if you are confused, how many fingers am I holding up now?
I view "daily driver" to mean the card I use as default, with maybe other card(s) used for certain category spend. But in the case of the quote, I was responding to
"I pretty much use my Penfed Rewards card for everything" If everything is just gas fine, if gas and groceries, ok but not all the great, but for anything outside those, getting 0.85% really isn't good.
If you can see the cards in my sig, There's a reason to use all but one of them for various reasons. A "Daily Driver" is a card you use exclusvely, regardless of how many cards you possess. I think you can name one card a "Daily Driver" if you use that one card for everything except the one you use for, say, gas.
For instance, this month, my Daily Driver is my Discover card. Starting next month, my primary will be my AMEX ED card, with the Discover being used for its categories, which include Amazon and restaurants. The other cards will not be used for anything other than collecting dust.
Hope that helps you understand.