Which credit cards do you use the most?

[tengtengvn]

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@castlefox wrote:

1)    Use my Alliant CC sparinly so I can keep my utilization down.  Only 1,000 CL

2)    Shell Gas card for gas.  Keep charges under 80 bucks a month.    400CL

3)  use my Alliant CC or cash later in the month so I can keep my unitization very low so I have a better change when apply for a CLI & when I apply for a new card.                

I really want a rewards card but Im gonna do all I can to wait till the winter to apply for one.

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It's safer to use credit cards for all your purchases. Try to make multiple payments to the card weekly if you want to keep the balance low.

[scientifics]

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@tengtengvn wrote:

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@RockinRay wrote:

PenFed Visa - Gas

Target Red Card - Groceries

Costco Amex - Dining out and Costco

Discover - everything else I can run on it

Ray

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You know that you only earn 0.25% CB for the first $3000 on Discover right? If you use other cards that give you 1% CB (no restriction) on everything, you can earn a lot more.

You will earn 1% unlimited Cashback Bonus on purchases after your total annual purchases exceed $3000; purchases that are part of your first $3000 earn .25%. 

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That's why I just got my Chase Freedom and Amex Blue Cash Everyday cards (sugestion for those who use Discover for everything and don't make that $3,000 mark very quickly).

[tengtengvn]

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@scientifics wrote:

That's why I just got my Chase Freedom and Amex Blue Cash Everyday cards (sugestion for those who use Discover for everything and don't make that $3,000 mark very quickly).

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Good choice, I'm planning to PC my Open Road card to Discover More. I get 3% cash back on gas purchases with my Chase Perfect Card too so I'm keeping it as a backup gas card but I really want to PC it to Chase Freesom.

[Anonymous]

I use the United Visa for restaurants, gasoline, and groceries. For the next 8 months, I'm using the AA Amex for everything else to get 1.2 miles per dollar but alternate it with the Amex Blue Sky for 1.3 points per dollar. Since I have several more airline cards and an SPG card to use in between, it's only twice a year that I use 2 cards that offer only 1 mile for every $2 spent. I also rarely use my Priority Club Visa for hotel stays because my husband works for Hilton.

[slarano]

I put most of my everyday expenses on my AMEX Zync. As I continue to pay down other cards and get my Util% to single digits, I like the restriction of having to pay off my Zync in full on a monthly basis.