I pray never to make things so complicated that I need a “system.” I have 6 cards and I want to trim down in order to make things simpler. If having tons of cards and an involved system of spending works for you, though, more power to you!
I keep my cards uncomplicated and try to have a use for each one.
- Disco has my groceries right now for 5% but that spend will normally go to BBVA at 3%
- PayPal Business Debit funded by PayPal Cashback MC = 3% back on everything
- PayPal Cashback for 2% on larger purchases that I want standard credit card protections on
- NFCU cashRewards for Member Deals perks that go beyond 3% cash back