What’s your current daily driver?

[stonedog23]

Despite it being my lowest limit it’s the US Bank Cash plus

[Anonymous]

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@galahad15 wrote:

Current daily drivers:

Cable TV / cell phones / utilities / department stores:  5% cashback (on 2 Cash+ cards)

Can you please be more specific on this? 

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[Anonymous]

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@Anonymous wrote:

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@galahad15 wrote:

Current daily drivers:

Cable TV / cell phones / utilities / department stores:  5% cashback (on 2 Cash+ cards)

Can you please be more specific on this? 

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This just means that @galahad15  has two US Bank Cash+  cards, which give 5% rewards on two categories (each)  So this allows for the four listed categories.

[Anonymous]

I'm kind of simple in that most of my spend (and I don't do all that mich, maybe in the $500/mo max range) is on my Chase Amazon card - only because I use Amazon for alot of my stuff... If not, then it would either be my Chase FU or BoA Cash Rewards.  Periodcially I use my Discover too.. I work outside the US, so I tend to channel most of my non-US spend onto the Amazon card as my BoA has a FTF..

I really should be better and using my other cards (afterall, thats ostencibly why I applied for them to begin with) but at times its confusing to know which card is best for what, when and how much.  Does anyone know of a simple-to-use calculator or spreadsheet type guide which can make this "what card, when?" decision a bit easier?

[kdm31091]

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@Anonymous wrote:

I'm kind of simple in that most of my spend (and I don't do all that mich, maybe in the $500/mo max range) is on my Chase Amazon card - only because I use Amazon for alot of my stuff... If not, then it would either be my Chase FU or BoA Cash Rewards.  Periodcially I use my Discover too.. I work outside the US, so I tend to channel most of my non-US spend onto the Amazon card as my BoA has a FTF..

I really should be better and using my other cards (afterall, thats ostencibly why I applied for them to begin with) but at times its confusing to know which card is best for what, when and how much.  Does anyone know of a simple-to-use calculator or spreadsheet type guide which can make this "what card, when?" decision a bit easier?

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At $500 a month spend honestly you're probably better off concentrating your spend on one or two cards. I don't think you spend enough to reap major rewards from many cards at once.

[Anonymous]

Most of us don't have just one "daily driver".  LOL.

Right now mine's the Chase Freedom Unlimited since it's offering 3% for the 1st year.

But I tend to use my BoA Cash Rewards regularly as well, though I use it primarily as my gas card (as I have gas as my 3% category), and groceries (2%).

[JaseT]

Groceries: BBVA ClearPoints 3% (includes anything purchased at Walmart, even non-grocery)

Restaurants: Cap One Savor 4%, Barclay Uber 4%

Entertainment: Cap One Savor 4%

Healthcare/Medical: BBVA ClearPoints 3% (I have two of these cards, hence two 3% categories)

Airfare, Hotels: Barclay Uber 3%

Target: Redcard 5%

Amazon: Synch Amazon Prime 5%

Lowes: Synch Lowes 5%

Cell Phone & Streaming Services: Barclay Uber 2% + free cell insurance + $50 yearly streaming credit

Everything else/non-category: PayPal Cashback Rewards 2%

[GApeachy]

I'm waiting on mine to come in the mail.  Now that I finally have a card over 10k. Everything else will be sd, even if the catagories are better, I don't care.  I need simplicity and this will do it. (a little update)

[marcforza1]

Currently my Cap1 QS1. At least it will be until January if I can get the new Amex Green card.

[imaximous]

Consistently for the past year and a half, it's been my Altitude Reserve. I use it with Apple Pay or Samsung Pay anywhere I don't have to dip a card or hand it to someone else to run it. Actually, I wouldn't be able to do that anyway because the card never leaves the house, lol.

But, I also like to maximize my rewards, so I use the card that provides the best return for the purchase. So if I can do better than 4.5x, it goes on that particular card.