What’s your current daily driver?

[kerplunk]

I pretty much only use my Navy Federal More Rewards now. It hits my biggest categories. (3x for restaurants, supermarkets, gas, and transit.)

[Anonymous]

Navy Federal More Rewards

[Citylights18]

Impressed with those who get 4% to 6% cash back categories.

For me I was using NASA FCU as a daily driver. Low APR for someone running a balance. To keep the balance on my card in check I set it up to make a 1,000 dollar payment monthly to the card. Then whatever balance remained or what I could afford to BT I would move it over for 0% APR to Navy Federal.

Not the best strategy because you rack up interest but better juggling interest on credit union cards over the big box commercial banks.

[Namaste7]

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@Namaste7 wrote:
Daily driver(s): AMEX Gold + BBP receives 90% of my spend

Daily driver backup: 2% Visa or the Target MC

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Discover took over as the DD after scoring an additional 3% CB promo for 6 months on all purchases. Once that expires, I'll go to my original arrangement (Amex Gold > BBP > 2% Visa).

[Anonymous]

United Airlines and Freedom Unlimited are my usual go to's.  

[Gunnerboy]

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@Anonymous wrote:

When not chasing a signup bonus what is your daily driver for non-category spend?

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BECU Cash Back Visa

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What's in my wallet now?

AMEX Gold

BECU Cash Back Visa

Citi Costco Anywhere Visa

[Anonymous]

amex platinum at the moment so i can hit that sub.

more than halfway there with 2 months to go.

[JNA1]

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@JNA1 wrote:
My arsenal has changed a little since this post was written, so I figured I’d update it. I’m using 5 cards regularly and frequently.

PPMC - This card gets the most swipes and usually highest spend.

BBVA - I’m using it for 3% utilities and this month had a bonus where we got 6% on dining. It will have highest spend this month.

BCP - We use this one for 6% groceries, streaming, and Apple charges.

PNC - We use this card for 4% gas station purchases and 3% dining usually.

Disco - We are now using it for 5% categories and we are using it heavily this quarter for groceries because we’ll surpass the $6K cap on the BCP if not.

For the last 3 months this lineup has averaged 3.23% Cashback overall, which is pretty nice. We are averaging about $140 per in overall Cashback earnings, and we’ve got $550 worth of SUB’s since November, so this lineup of cards should average around $2200+ for the calendar year, which is definitely worth the effort IMO.
We put all Cashback that I can withdraw into a separate “Cashback” account and when I use it for statement credit on the ones that I can’t redeem as cash, I transfer that amount to the account also. When we use any of the Cashback from the account, we charge it one of the cards and use it pay the charge so we get Cashback on it again. I never pull cash out of that account that won’t be spent on cards.

I had someone tell me recently that doing this seemed like a lot of effort for the return, but I remember when my kids were small that having an extra $2200 in an account would have totally made our lives better. We’re fortunate enough to be pretty comfortable financially these days, but I remember being broke, and I haven’t forgotten it!

I wish I had started doing this years ago!

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As soon as it arrives, the 5% for 6 months AMEX Cash Magnet will replace the PPMC for general spend. I feel like we'll max out the $10K on it in a little over 5 months.

[notmyrealname23]

Right now: Cathay Pacific Platinum Visa from Synchrony, (2.5k)  solely for a bonus churn (40k Cathay miles for 2k spend in 90 days)

Bonus: DiscoverIt for 5% on groceries + Double Cash back 

Once that churn's done: sock drawer the Cathay card (save for light use internationally or dining until the AF renewal, ask for a retention bonus, dump if none given) and use a combination of Capital One Venture (10k limit, travel, international @ 2% cashback/1.5 miles xfer to Cathay or Avianca), Fidelity Rewards (11.5k limit, 2% cash back everywhere in the US, but no good internationally), DiscoverIt cashback (5k) on the bonus categories.

I also have a Petal card at 1.25% cashback, soon to be 1.5% (6k) and Capital One QS (1.5%, 3.5k) I give tickles every now and then to keep the lines alive. Also 3k Amazon store card (Synchrony, used for 5% off) and Target store (800, used for 5% off). About to nuke a Discover Chrome secured for 500 (they wouldn't graduate me to unsecured, but they gave me a NEW unsecured line for 5k- OK, that's weird, but I'll roll with it). All cards except the Capital One QS are aging from January 2019 onward when I emerged with a discharge from a Chapter 13 (I have no idea why Cap1 is dating that card from 2002, but I'll take it).

Right now gardening through Q1 2021 because the DiscoverIt and the Cathay cards are new gets in the last 30 days, so I'm too hot for new cards anyway, and I want to be under Chase 5/24 for my next card, one of CSP/Freedom/Freedom Unlimited (which should happen in early 202, coincidentally the Ch 13 will drop off since it will be 7 years since file date).

Goals: reasonable cashback (the Fidelity card is a forever card because 2% cashback is a baseline), travel (CapOne Venture and CSP or a high end Citi card are probably mutually exclusive, but I might product change to the no AF VentureOne at AF time in July 2020, unless CapOne gives a retention bonus), bonus churning (the Cathay card is my first churn, I have others in mind as I go along). There's a fine balance between churning and not burning bridges/having "forever" cards I will likely try to balance.

Since AMEX got burned in the Ch 13 (to the tune of five digits of debt- the payback was 50%) I doubt I get them anytime soon, but that's fine. Lots of fish in the sea.

[Green456]

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@Anonymous wrote:
I haven’t seen this question posted in a while so I thought I would get a current picture.

When not chasing a signup bonus what is your daily driver for non-category spend?

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Bank of America Travel Rewards Card. It is basically 1.5% cash back card via statement credit. I am a gold member so I get 25% more rewards equal to 1.875% cash back. I am soon going to be platinum with 2.25% cash back. I use Merrill Edge/Bank of America as my main consolidated banking and investing vehicle so using their cards makes it easier to track spending and not overspend. Their customer service is better for those in preferred rewards program.