Rewards Program

[Laugh]

So do you guys put most of your spendings in one rewards program?

Or do you guys like to scatter the spending among different rewards programs?

I put almost all of my spendings in the Chase UR programs. 

[sccredit]

Chase UR is by far my favortie.  Actually Capital One on my Spark Miles card is really good as well.  

[DaveSignal]

I mainly use both BoA and SDFCU, mainly because they are easy cards to use in England (where I currently live).  I have yet to pay interest on either of them, but if something came up and I was planning on making a large purchase that I didn't want to PIF, SDFCU would be my go to card due to its extremely low interest rate.  This month, I use SDFCU for gas, since it's 3x points.  I also use SDFCU for 6x points on my iTunes purchases.  BoA is 1.5 points on everything, and is very easy to get statement credits for my myriad travel-related purchases, so that card gets nearly everything else.  Occasionally, I use my military STAR card for gas when they are doing a 10 or 15 cents discount per gallon promotion (this happens around the end of the year).

[Anonymous]

The vast majority of my spend is within the UR program; it's just cleaner that way since everything can be pooled together and UR happens to be the best credit card program out there IMO. I'll only use non-UR cards if they're offering >5% cash back equivalent.

[oscar_actuary]

94% of the time whichever one gives me the most for what I'm buying

[takeshi74]

UR's my default but I tend to use whatever has maximum rewards for the category I'm spending in.

[SnackTrader]

I go for whatever gives me the most.

I use Citi and Barclays the most because that's where most of my spending is. Citi for Restaurants and Barclays for anything that isn't gas, groceries, entertainment, or anything on a Chase Freedom revolving category.

It's complicated, and takes effort. But I love reaping the rewards.

[parakleet]

For groceries - BCP. Everything else - UR points but I have been digging the shopDiscover rewards for cash back on large purchases. 👍

[armbenderc]

I like Chase UR mall, BofA, and Citi EasyDeal.

I have yet to check my Amex.

[oscar_actuary]

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@parakleet wrote:
I have been digging the shopDiscover rewards for cash back on large purchases. 👍

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