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When I had a higher limit on my BoA Visa, that was my daily driver, and my low limit MC was mainly for gas and eating out.
Now that I've had to slash spending (and my limits), my low limit MC is my daily driver most of the time, especially since it's a Cash Rewards now, and the limit keeps my spending in check. I only use the Visa for larger amounts or when I'm nearing the statement close date on the MC and am trying to keep UTIL down.
The Amazon Prime Visa is mostly for Amazon use, but I'll sometimes rotate it into the wallet when the MC is either maxed out or in UTIL quarantine.
My daily driver is my Samsung phone! Very rarely take a card out of my wallet
I usually carry the Chase Sapphire Preferred, Chase FU, Discover it and Amex ED.
1. BEFCU VISA: single-digit, fixed-rate APR with rewards
2. PACU MC: single-digit, fixed-rate APR with 1.5% rewards
3. BoA Cash Rewards WMC: for 3% on gas
4. Cap1 NHM MC: 2% rewards on all purchases redeemable for travel, can redeem for any amount, no AF
5. FNBO Travelite Amex: 3% on travel, annual $100 travel incidentals credit, 1.5% on other purchases, no AF
6. Cash+: 2 cards so 5% on fast food, ground transportation, cell phone, and home utilities
7. Blispay: 2% cashback on all purchases, with 6-mo. 0% promo on all purchases at or higher than $199
8. (usually) FNBO Amex: 8.00% variable APR with 1.5% rewards
WF Propel and Cash Wise combo...you can pool rewards between accounts( Cash Back GFR to Points GFR )(Gas/Dining/General Spend)
Discover(depending on 5% calendar)
BoA Cash Rewards(Groceries)
I carry these three cards:
I also carry:
Simple is better, IMO.
That's it.
PRG, ED, CSP and Discover(depending upon the spend category).
Currently these four cards are in my wallet:
WF Propel Amex (3% Dining + Travel, also GFR bonuses are useful)
Discover (Rotating 5%)
Paypal Biz Debit + MC (2%-3% everything else)