What’s your current daily driver?

[Anonymous]

daily driver and non-categry spending are .... different things?

anyhow, my daily spending is mostly grocery, dining, so its amex gold.

my non-category spending is cFU.

[mongstradamus]

---

@Anonymous wrote:

daily driver and non-categry spending are .... different things?

anyhow, my daily spending is mostly grocery, dining, so its amex gold.

my non-category spending is cFU.

---

I am running same combo, but am thinking of moving non cat spend to a BBP, if I want to apply for another card. I have been down on UR a bit for last year or so with the nerfs some of its partners. I am thinking of just keeping the chase biz cards with a chase freedom

[Anonymous]

---

@mongstradamus wrote:

---

@Anonymous wrote:

daily driver and non-categry spending are .... different things?

anyhow, my daily spending is mostly grocery, dining, so its amex gold.

my non-category spending is cFU.

---

I am running same combo, but am thinking of moving non cat spend to a BBP, if I want to apply for another card. I have been down on UR a bit for last year or so with the nerfs some of its partners. I am thinking of just keeping the chase biz cards with a chase freedom

---

Great minds think alike!

You should do it if you can. I also thought about using BBP for non-cat, its like 4% on everything, lol. But I have two problems, 1. I am hesitate to mix my business spending and my personal spending; and 2, my largest non-cat spending (70% of it) doesn't take amex. aye.

[GApeachy]

For Business it's now Amex BBC loving that!

[mongstradamus]

---

@Anonymous wrote:

---

@mongstradamus wrote:

---

@Anonymous wrote:

daily driver and non-categry spending are .... different things?

anyhow, my daily spending is mostly grocery, dining, so its amex gold.

my non-category spending is cFU.

---

I am running same combo, but am thinking of moving non cat spend to a BBP, if I want to apply for another card. I have been down on UR a bit for last year or so with the nerfs some of its partners. I am thinking of just keeping the chase biz cards with a chase freedom

---

Great minds think alike!

You should do it if you can. I also thought about using BBP for non-cat, its like 4% on everything, lol. But I have two problems, 1. I am hesitate to mix my business spending and my personal spending; and 2, my largest non-cat spending (70% of it) doesn't take amex. aye.

---

I could keep freedom unlimited/ink unlimited or DC for those off occasions that they don't take amex, I am still debating whether to pick up DC with the new changes that it can be added to TYP. The one thing i do like about UR is the shopping portal seems like can get some added value there, but I am just down overall on UR , I don't find good value other than Hyatt. The plus with DC I could use it with plastiq to pay mortgage since its a MC. 

[randomguy1]

Discover IT during first year and Barclays Uber Visa. 

[pinkandgrey]

Citi DC for me

[Anonymous]

Using my new Citi Costco Anywhere Visa exclusively at the moment. 

Here's the plan:

I had a lot of heavy spend on my PenFed cards over the last couple of years. These balances were either paid or BT'd to NFCU Plat and the PF cards sit at a zero balance. I just made some travel reservations and cashed out all of the rewards on them as well. 

Discover had BTs on it for close to a year that were paid down and the BT'd to NFCU Plat. 

NFCU Cash Rewards also saw some heavy spend the last few years, and has a balance I'm aggressively paying down.

This leaves me with 2 NFCU cards that carry all of my debt that I'm aggressively paying down, the Citi Costco card as my daily driver that will be PIF each statement, and then Discover, PF Amex and PF Power Cash all at $0 balances.

4% gas/3% restaurant and travel and 2% Costco covers probably 90% of my spend right now. For the remaining, I'll take the 1% and leave a little change on the table for simplicity's sake AND becuase I want to grow this $5500 card as much as possible. Hoping Citi sees $1500-$2000 spend each month being PIF while the two balances I'm carrying drop to near zero and then treats me well in the CLI department.

[Anonymous]

Venture card gets everything aside from gas, which goes to Ducks Unlimited

[BronzeTrader]

This has to be the Citi DC with 2x TY points earning.  It is even better since it is a personal card and more places accepted.  The DC beats out Chase CFU and all other non-category cards.

My next one is BA PR with its 1.5x1.75 = 2.625% CB earning.