Single Everyday or Multiple Cards

[Blackbeauty212]

Simple Question.... 

Do you have 1 daily driver or Multiple Cards you shuffle Everyday spending through? 

Me: I have 2 main drivers..... my QS V Sig for all of monthly Auto Bill Pays, and my QS WMC for Everyday Spending.... i love how there's no FTF on Cap One, and the Cash Back can be reedeem whenever and for whatever amounts, also that you can combine Cashback from Multiple Accounts. 

[Anonymous]

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@Blackbeauty212 wrote:

Simple Question.... 

Do you have 1 daily driver or Multiple Cards you shuffle Everyday spending through? 

Me: I have 2 main drivers..... my QS V Sig for all of monthly Auto Bill Pays, and my QS WMC for Everyday Spending.... i love how there's no FTF on Cap One, and the Cash Back can be reedeem whenever and for whatever amounts, also that you can combine Cashback from Multiple Accounts. 

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CSP, Marriott Rewards, IHG and SallieMae are my current rotation.

[Anonymous]

Amex BCP for supermarket, OBC for drugstore and all the rest goes on PP

[Anonymous]

Whichever card i am working towards the minimum spend for the signup bonus.

If none, I will use

- Fidelity Amex for some everyday transactions (and at places like costco and the dmv that do not take VISA)

- Amex Blue cash everyday for the $50 of groceries I do a month

- US Bank cash+ for eating out while they still have 5% restaurants

- chase ink for everything else

[Anonymous]

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@Anonymous wrote:

Whichever card i am working towards the minimum spend for the signup bonus.

If none, I will use

- Fidelity Amex for some everyday transactions (and at places like costco and the dmv that do not take VISA)

- Amex Blue cash everyday for the $50 of groceries I do a month

- US Bank cash+ for eating out while they still have 5% restaurants

- chase ink for everything else

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No offense but it seems you're wasting a lot of time. How long does it take you to reach, let's say, $2k for a sign-up bonus? I'm currently working on the Citi TYP which is half-way through after a week. By the end of next week I'll SD it and wait for the bonus to post.

Also, when spreading out over too many cards you have to wait forever to redeem anything, especially on the Fido... Citi DC, QS or (now new) Discover) would be better suited for such low spend as you can redeem anything anytime.

[Blackbeauty212]

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@Anonymous wrote:

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@Anonymous wrote:

Whichever card i am working towards the minimum spend for the signup bonus.

If none, I will use

- Fidelity Amex for some everyday transactions (and at places like costco and the dmv that do not take VISA)

- Amex Blue cash everyday for the $50 of groceries I do a month

- US Bank cash+ for eating out while they still have 5% restaurants

- chase ink for everything else

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No offense but it seems you're wasting a lot of time. How long does it take you to reach, let's say, $2k for a sign-up bonus? I'm currently working on the Citi TYP which is half-way through after a week. By the end of next week I'll SD it and wait for the bonus to post.

Also, when spreading out over too many cards you have to wait forever to redeem anything, especially on the Fido... Citi DC, QS or (now new) Discover) would be better suited for such low spend as you can redeem anything anytime.

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THIS^ ....... Spreading your spending out over so many cards seems to be counter-productive when you really think about it...... If your target is Cashback, in many cases you earn more cashback (that you can actually use) by running all spending through one general cashback card, like the DC and QS than you do by spreading out spending to several Category Cards. 

[Anonymous]

All of the cards in my sig I keep in my wallet, but the ones that see almost every day use are:

1) Chase AARP for restaurants (I eat out almost every day)

2) Sallie Mae for gas, groceries, Amazon

3) Quicksilver for everything else

[mongstradamus]

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@Anonymous wrote:

All of the cards in my sig I keep in my wallet, but the ones that see almost every day use are:

1) Chase AARP for restaurants (I eat out almost every day)

2) Sallie Mae for gas, groceries, Amazon

3) Quicksilver for everything else

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CSP+EDP is the combo i am running with right now. 

[Anonymous]

Because Im still having to watch my utilization I have utilities running through my cap one and groceries and gas running through barclay rewards. My ideal is once I have paid everything off I will just use the barclay rewards until I can get the Sallie Mae. 

[L-TWT]

For me, I perfer to use one daily card, regardless of the rewards I will or won't get back from each purchase. I stopped playing the "chase the reawards game"!, but each card in my portfolio serves a particular purpose.