What credit card do you use?

[Random_idiot]

Just out of curiosity, I see a bunch of people with multiple cards on here. So.. What card do you utilize the most and why?

[driftless]

CSP & PRG for UR and MR rewards. QS is taking care of the recurring bills. Freedom is taking a breather except for restaurants.

[Anonymous]

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@Random_idiot wrote:
Just out of curiosity, I see a bunch of people with multiple cards on here. So.. What card do you utilize the most and why?

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Chase Freedom UL and Amex BCE.

I love the Freedom because I racked up TONS of cash back in less than 3 weeks, by spending only $500 on it (includes sign-up bonus and 10% promotions for July)

Amex BCE because I really want my relationship with them to grow. I may apply for another AMEX card in about 1-2 years when I come out of the garden!

[Anonymous]

I use three credit union cards and Discover because of their rewards structure and large credit lines. My daily drivers are listed in my signature line.

[takeshi74]

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@Random_idiot wrote:
Just out of curiosity, I see a bunch of people with multiple cards on here. So.. What card do you utilize the most and why?

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You really have to look at your own spend and other requirements to determine which cards suit you.  I utilize the cards that I use to maximize rewards on my spend.

What are you looking for?  If it's rewards on spend then where is the majority of your spend going?  Is it in typical bonus categories?  Is it noncategory?  What sort of volume?  Are there other features and benefits that matter to you?

[Closingracer99]

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@takeshi74 wrote:

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@Random_idiot wrote:
Just out of curiosity, I see a bunch of people with multiple cards on here. So.. What card do you utilize the most and why?

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You really have to look at your own spend and other requirements to determine which cards suit you.  I utilize the cards that I use to maximize rewards on my spend.

What are you looking for?  If it's rewards on spend then where is the majority of your spend going?  Is it in typical bonus categories?  Is it noncategory?  What sort of volume?  Are there other features and benefits that matter to you?

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That is why he posted this thread asking why do you use X card........

Anyways .... I use my Citi Thank you Premier for my daily driver which also happen to have a lot of Travel, entertainment and food purchases and my Chas Freedom since it is a Visa unlike my Citi card and has 5% CB at warehouses until end of the year at least.

[kdm31091]

I find myself using my BOA Cash Rewards the most. I bank with them and it's just convenient for budgeting to see everything under the one login. I know how much I have in checking, and I know how much I've spent. I've tried the use of up to 10 cards before, and I found it made it a lot more difficult to effectively track spending. There are apps to do it for you, but to me it was just too much hassle.

Having said that, I still have a few other cards that get used for random purposes. Discover, Cash+, Chase Disney, etc. They just aren't really used daily

[Closingracer99]

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@kdm31091 wrote:

I find myself using my BOA Cash Rewards the most. I bank with them and it's just convenient for budgeting to see everything under the one login. I know how much I have in checking, and I know how much I've spent. I've tried the use of up to 10 cards before, and I found it made it a lot more difficult to effectively track spending. There are apps to do it for you, but to me it was just too much hassle.

Having said that, I still have a few other cards that get used for random purposes. Discover, Cash+, Chase Disney, etc. They just aren't really used daily

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I did that for a while with Chase cards since I have a Chase bank account but realized I don't really like their cards. I would change to Citi  but Chase is better for me since it is close to where I live. I liked the CSP but I find TYP more valuable than UR atm.

[Anonymous]

I was using my Quicksilver the most, for its general spending rewards. But I recently got a Freedom and am taking advantage of its combo 0% period and restaurants category. Once that's done in Sep, I'll be using my Double Cash the most, because now it has the highest general spending rewards rate out of all my cards. 

[icyhot]

Well BofA, QS, Disco and Amazon are carrying 0% balances (I may BT Amazon to BofA to consolidate more) but on a daily I use Freedom for food and other misc expenses, AAdvantage for monthly bills and PRG for gas and groceries. Once the Freedom category for dining runs out I'll switch that spend to Marriott