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What’s your current daily driver?

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Established Member

What’s your current daily driver?

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?
Message 1 of 138
137 REPLIES 137
Community Leader
Senior Contributor

Re: What’s your current daily driver?

Its not optimum but Double Cash or sometimes Amex CM.. esp if i have concerns about purchase protection....

And CM (currently) has contactless... just ordered the DC variant.....

 

-J

 

Message 2 of 138
Senior Contributor

Re: What’s your current daily driver?

CFU but considering BofA Premium Rewards...a slight shift to cash back while I use up some miles and certificates.

 

Not very happy with BofA banking, though.

Spend: BofA Premium, BBP, Schwab Platinum, Freedom x 2, Costco, Discover
Perks: IHG49, Hyatt75, Marriott Brilliant, Delta Platinum
SD/AAoA Ballast: Arrival, CFU, DC, ED
Downgrading in 2020: BCP, Savor
May eventually add: 100k Platinum (for a year, then PC to Gold), BofA Cash Rewards, Virgin Atlantic.
Message 3 of 138
Valued Contributor

Re: What’s your current daily driver?

CFU for everything that's off category...

Amex PRG (NPSL), Amex Blue Cash ($24K), Amex Simply Cash+ ($4K), Discover ($22.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($10K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($7.8K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($10K)
Message 4 of 138
Super Contributor

Re: What’s your current daily driver?

Discover IT Miles. I just got it last month so I earn 1.5% back now and get another 1.5% when they give me my match in a year. 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 5 of 138
Regular Contributor

Re: What’s your current daily driver?

Until I fulfill my 3k spend for 50k MR it's my shiny new Amex Gold. 

Then it will be a combo of BCE for Gas, Gold for Groceries, and QS1/Cash Magnet for everything that doesn't fall into Discover's 5% category.

Sheesh, it's a full time job keeping up with which to use for what.







Message 6 of 138
Regular Contributor

Re: What’s your current daily driver?

Off-category I use my PSECU which is 2%.

 

I'm thinking about eventually grabbing a DC whenever a SUB comes back around to add a MasterCard to my collection to replace the PSECU. I am gardening though so I hope they don't bring it back too soon.

 

And just because: gas, groceries and restaurants go to my Hilton, travel goes to my BoA PR and online purchases go to my BoA CR. I substitute my Discover in for whatever the 5% category is those months.


Message 7 of 138
New Contributor

Re: What’s your current daily driver?

AMEX Gold to be honest. I spend so much on food (dining/groceries) that it just makes sense. Although CFU for outside food, my spend is able to support both rewards ecosystems thankfully.


Other Cards: Credit Union 1 $10,000, Credit Union 2 $10,000, BMO $4,000, Elan $3,500
Message 8 of 138
Valued Contributor

Re: What’s your current daily driver?

I use DC. Most of these purchases lately aren't needing an extended warranty (bed, already has 10+ years on mattress, full year gym membership, car maintenance, golf, cable/internet, lawn service, auto insurance (6 mos), eyewear) so its perfect for that.

Scores, HPs/24 mos. (updated 1/11/20):
    Experian FICO Score 8 = 847, 2/24
    TransUnion = 839, 0/24
    Equifax = 839, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07

2019 Spend:
    BCE: $4,124.91
    BoA Cash Rewards: $6,561.19
    Savor: $7,111.62
    CF: $3,684.87
    DC: $14,346.66
    Discover IT: $2,647.27
    Lowes: $147.59
    PNC Cash Rewards: $857.40
    Propel: $4,653.63
=================
Total Spend: $44,135.14

Avg. rewards rate, incl. offers/deals = 3.87%

Total CL: $244,500

Cards (hover over for CL & interest rate):
Message 9 of 138
Regular Contributor

Re: What’s your current daily driver?

In my wallet:

AMEX Gold - all dining, groceries

Costco Visa - weekly Costco

Apple Card - anywhere Apple Pay is available (really no need to carry this)

Alaska Airlines Visa - when Apple Pay is NOT available



"Not everyone who helps you is a friend, and not everyone who challenges you is an enemy."
Message 10 of 138
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