What’s your current daily driver?

[PutThatMoneyOnTheTable]

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@kilroy8 wrote:

I don't really have one, I use whichever gets me highest rewards.

BCP gets more swipes than anything, followed by NFCU MoreRewards.

If cashback is equal, I go for whichever statement close date is farthest away, so I can use free money longer.

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THIS!!!!! +1,000,000

[SoCalifornia]

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@Anonymous wrote:

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@SoCalifornia wrote:

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@BronzeTrader wrote:

I'm puzzled by some of the responses here.  The OP asking about the current daily driver and a lot of responses are talking about the CCs on categories, like the US Bank Cash+ etc.  I do not think a lot of those should be considered "daily driver" if you do not use them consistently over certain period of time.

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I'm finding it a little annoying as well, since it really warrants a simple response. Instead it's ballooned into a list of cards and their perks- but I'm not a moderator 🤷🏽‍♂️

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But to be brutally frank, what wonderful information is being lost?   Even if people stuck to the question, you are going to get lots of responses about the same small set of cards.    OK, if you are lucky you will hear about the 7% Bank of Aukland ExPat card, but probably not!

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Lol. But I know right? Like I'm not still following the thread  

[ToxikPH]

I'd like to change my answer to the Citi DC, gimmie those TYPs!

[Anonymous]

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@SoCalifornia wrote:

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@Anonymous wrote:

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@SoCalifornia wrote:

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@BronzeTrader wrote:

I'm puzzled by some of the responses here.  The OP asking about the current daily driver and a lot of responses are talking about the CCs on categories, like the US Bank Cash+ etc.  I do not think a lot of those should be considered "daily driver" if you do not use them consistently over certain period of time.

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I'm finding it a little annoying as well, since it really warrants a simple response. Instead it's ballooned into a list of cards and their perks- but I'm not a moderator 🤷🏽‍♂️

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But to be brutally frank, what wonderful information is being lost?   Even if people stuck to the question, you are going to get lots of responses about the same small set of cards.    OK, if you are lucky you will hear about the 7% Bank of Aukland ExPat card, but probably not!

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Lol. But I know right? Like I'm not still following the thread  

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You have to allow for some variance. My discussion on this thread transformed into not using my debit card for everyday use due to fraud. Still kind of on topic.

Discussing police brutality would be off topic lol.

[Anonymous]

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@ToxikPH wrote:
I'd like to change my answer to the Citi DC, gimmie those TYPs!

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Be careful of TYP. Citi on 2 occasions did something I didn't like. In 2009, they devalued points due to the recession. Raised point requirements across the board. I decided to keep the points rather than use them and after a while they were valued back to where they were before.

Second,  I PCd to DC from premier pass. I had 3 months to use my TYP. Did so almost immediately. They again devalued the point to something like 0.80 of what they were. I redeemed them, but a year later they apologized and gave me the dollar value of the lost pointa.

I stick to cash rewards only now.

[AverageJoesCredit]

These kind of questions always tend to blend off abit if you will. Nothing wrong with that as at least it is encouraging forum participation. If a thread isnt to one's liking, one is free to simple skip over it or not participate. If one feels there is something wrong you may also send an AR and a moderator will review it. I personally feel an active participant is much better than not participating but thats just me. If a topic goes too far off topic it can be reigned in or closed.

[K-in-Boston]

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@Anonymous wrote:

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@BronzeTrader wrote:

I'm puzzled by some of the responses here.  The OP asking about the current daily driver and a lot of responses are talking about the CCs on categories, like the US Bank Cash+ etc.  I do not think a lot of those should be considered "daily driver" if you do not use them consistently over certain period of time.

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Yes, but there is also blurring sometimes!   Consider the Altitude Reserve.   It's my daily driver in the sense I use it whenever Samsung Pay can be used.   But is that also a category?

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I agree that for a lot of us it can be blurred.  For many years, my daily driver was Amex Gold.  2017 and 2018 it was SPG.  For 2019 I suppose it has been Delta Reserve, but really only about 1/3 of my annual spending has been on that card since I do tend to use different cards for different things to maximize my rewards.  So far this year, in a given month I may use CSR (for dining and some travel) and Altitude Reserve (always with ApplePay) just as much if not more than Delta Reserve, which I would really consider my "everything else" card rather than a daily driver.  But lots of other cards see spend for other categories.

[coldfusion]

I define my daily driver as being my default card for unstructured spend when there is no applicable bonus category  (e.g. 10+1 TYP or 6% CB on groceries, 4X MR on dining, etc), I don't have a more appropriate card on me, or I'm not working on meeting a SUB requirement.   

Nowadays it's my BoA Premium Rewards card. 

[SunriseEarth]

My daily driver is my Amex CashMagnet.   While the 1.5% CB isn't quite as much as my Citi DC and the rewards aren't available anywhere near as quickly as my Cap 1 QS, I'd honestly rather give AMEX my business.   Also my CL on the CM is larger than the DC and the QS combined.  

Neither the DH or I cook much, so I do a significant amount of category spend in dining.  Uber Visa is great for 4%, but anything that I know will code fast food will go to Cash+.   If anything falls under Catering (e.g., concession stands at concerts/theater), I'll use Sam's Club for 3% dining.  Sync counts Catering as dining, so that can come in handy on special occasion.

[Anonymous]

"Also my CL on the CM is larger than the DC and the QS combined."

Lol. Another cardholder factoring CL into use of a card.

I had a separate post about this, and basically the replies were that no one really does that. I say it CAN factor in use for some people. Most disagreed.