What credit cards do you actually use and why?

[Anonymous]

I’m new so forgive me if there have already been topics like this before. But I would like to know out of all the credit cards you have which ones are you actually using, how often do you use them, and why or how does it benefit you? I look forward to the replies!

For me I’m just now starting out. So right now I’m only using my capital one quicksilver for the 1.5% rewards for any of my purchase that takes a credit card and just pay immediately or as soon as I can. I just make sure I show 1% utilization by the statement close date and zero balance by the due date. All my other store cards I don’t plan on using. Just have them for my total available credit.

[SBR249]

Be sure that all your credit cards get token spending every few months or so to avoid them being closed by lender for inactivity. 

As for which cards I use the most often:

- Chase Amazon Visa: 5% CB on Amazon purchases and also gift card purchases to stores that I frequent

- The Paypal Business Debit/CB MC combo for ~3% cashback on most things

- Discover for the rotating categories. Really hit that restaurant spending pretty hard last quarter. Costco gift cards this quarter will take up some spend. 

- Uber Visa/Costco Visa for general restaurant, travel, gas

[CreditInspired]

Welcome OP,

It really depends. DiscoverIT gives 5% cashback from Oct-Dec for Amazon and warehouse purchases, plus I asked for 12-month 0% in September, which was granted, so I've been wearing Discover out! Purchased a iPAD Pro, pen, and keyboard from Costco Online. And, I will be doing all my holiday shopping for Xmas from Amazon.

I use my AmX for more expensive purchases because I have 15-month 0% interest.

I rarely use my CitiDC, even though it offers 2% cashback because I had to get to $25 before I could even cash out and then because I don't have a relationship with them, they mailed a check. Yuck, really! They wouldn't do direct deposit in this day and time.

GL2U

[Physh1]

Chase Amazon for 5% back...

Amex EDP for everyday & 50% bonus after 30 transations...

Discover IT for rotating 5% categories...

Target Red MC for 5% at Target

Uber Visa for rent & eating out

Amex Plat & PRG (now gold) for travel, travel credits, & when I give my Uber card a break...

[Anonymous]

Cards I use most often:

Amex Gold Card: 4x Supermarket, 4x Restaurant, 4x Gas (using supermarket gift cards), 3x Flight

Uber Visa: 4% Restaurant that doesn't accept Amex, 4% Bars and Cafe

NFCU Flagship: 3% Travel, 2% on everything else

Sock drawered: Cap One QS, Cap One QS1, NFCU Cash Rewards

[Anonymous]

I pretty much only carry my Amex Cash Magnet and my Chase FU. So I use my Amex for everything and my Chase for things I can't use amex for (mainly Costco purchases). I will also, periodically, use my Discover It when there is a 5% category that is of use to me. All other cards are in my SD. I'm pretty boring LOL!

[mongstradamus]

As of right now I only use my CSP and EDP as my main cards. EDP covers groceries gas and everyday spending. CSP covers dining. Since I can hit 30 swipes easily with EDP i get 1.5x for everyday spending stuff. 

I have other specialty cards like ink cash/CIP for Cellphone, internet , cable tv, staples etc. 

[Anonymous]

I use CapOne Savor for 4% dining and entertainment, and right now I’m using it for most things to hit the SUB. I’m in my first year match on Discover IT Miles, so I’ll be using that for 3% on everything else once I hit the SUB. I have Amex BCE for 3% on grocery for when the match on IT Miles expires.

I’m at least a year away from having all the other cards I want to be mainstays in my wallet (Discover IT, PayPal 2%, Uber, maybe Amazon).

[Anonymous]

Discover it - 5% categories

PNC Visa - 4% on gas, 3% on dining (restaurants, cafes, bars, etc.), 2% on groceries

Amazon Prime Visa - 5% on amazon and whole foods, also use for traveling and occasional dining

Chase FU - 1.5% on everything, i use it for shopping and other random purchases that dont fit a category 

Discover it 2% Food/Gas - i put all of my revolving bills on this card (going to PC to discover miles for the 1.5x rate)

my next card will most likely be the Uber Visa and i'll use that for dining and traveling

[K-in-Boston]

While I use many cards for balance transfers or specific 5% off and/or long promotional financing offers, most of my spend has been going on the Amex SPG card for the past 18 months. That’s because of the massive value I’ve been able to get out of the rewards. Now that I’ve locked in status through spend for next year, that’s being replaced with the Delta Reserve which I will be using for non-category spend to help out with elite status and to rack up miles. I do use Chase Freedom for its 5% categories where possible (recent things like gas and Walgreen’s were absolute duds for me), and either CSR or Citi Premier when I run into the rare “no Amex” situation.