Hey Ggs1892!!! Welcome to the Forums!
Sounds like you've really got it together!
I personally use my Amex Charge for everything. I pay my cable, cell, internet... etc... then pay one bill at the end of the month. I use the card also for my everyday purchases... gum, gas, soda- whatever. I try not to use my debit card because it is directly tied to my personal cash. Amex offers me not the just the option now to pay only one bill at the end of the month with all my monthly necessities being charged to it but also a layer of security from identity theft because now my personal cash accounts aren't being used as often except for maybe at ATMs when I need cash. The kicker is I get rewarded for buying and using services that would have just paid every month anyway. It's worked out great for me. Hope this helps!!
Starting Score: 642
Andrew,
Welcome to the forums, short response to a rather detailed post, but generally speaking if you have a rewards card of any type, financially speaking it's best to just run everything through there if that's your only option. It may be semi-trivial but in the long run it adds up to some non-zero amount.
You've been treating your credit cards basically like charge cards anyway, as long as you don't get carried away and start spending more than you can actually afford, why not simply run your life through the one card, Amex Zync in this case?
The only issue you might run into is if you run up against a spending limit on the Amex, but for most people this isn't a problem assuming they're living within their means and listed their correct income on the application. I wouldn't go closing your checking accounts just yet, see what your needs are post making a transition to a more single-source for payments. I don't see any reason to not put utility bills there too personally but that's me, it's what I do with the only reward card I have: I put everything I can on it unless I run up to the limit and can't get a payment cleared quickly enough, and just carry another card around for backup purposes.
Just a thought.. but you might want to look into the "connect pack" also. You get 2X rewards for billing on cable, internet and cell. Also, I don't know how much you'd be running through your card every month but if you have an + interest type account, having all your money in the bank every month helps with the interest residual income as well.
The way I do it is that I set up a monthly cash flow spreadsheet before the month that tells me where all of my money needs to go for that month. I keep my eye on my amex spending to make sure that it doesn't go beyond my ability to PIF. I also use 3 seperate accounts for checking, so when I allocate money into my "bills" account at the first of the month, I just make sure that I put enough in there to pay amex. I have one account that is used to pay utilities and ccs, one account that is used to pay both mortgages, and one account that is used for my cash spending, which is used to pay the housekeeper and church donations
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
That is what I am planning to do with mine
