Your Favorite daily driver card

Patp05 · ‎11-30-2022

Hello all!

Im curious what everyones favorite daily driver card is. Id like one that is known for higher starting limits and gives travel perks etc. Really help us take trips a little cheaper as we will be on a budget the next couple years as we get our finances in order.

In addition to a new daily driver card Id also like to get a good balance transfer card to move some debt from an existing NFCU card to pay off quicker with no interest. Is it bad to get two cards at once.

Also I hope it isnt bad to do all these prequalifies as I have done 3 now lol Ive heard it can cause a split file but can be remedied easily by making sure all addresses are your current on file.

Ive done the pre qualify on following sites and this is what came up for me

Navy Federal:

All cards but I think it does that for everyone. I currently have a good relationship with this with two seperate products and checking (I let mother use it , I bank with WF).

Amex:

Green Card

Hilton honors surpass

Delta skymiles Platinum

Delta Sky miles Gold

Amex Everyday

Citi:

CITI CUSTOM CASHSM CARD

CITI DIAMOND PREFERRED CARD

CITI DOUBLE CASH CARD

CITI SIMPLICITY CARD

Cap One:

Savor

Savor one

Quicksilver

Venture

Venture one

Apple:

Approved for 11k as they tell you right away.

Jeffster1 · ‎11-30-2022

My daily go-to cards are:

Bank of America Customized Cash Rewards (I'm Platinum Honors with them so I get a nice bonus on all rewards)

AMEX Blue Cash Everyday

0% utilization
FICO 8 EX 815 EQ 825 TU 834
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 14K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo Autograph Visa 30K I Citi Costco Anywhere Visa 10.2K I BMO Harris Cash Back MC 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 15K I Citi Thank You MC 10K I Bread Financial American Express 20.5K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney MC 10K I Synchrony Premier MC 10K I UCLA Wescom CU Rewards Visa 7K I PayPal Cash Back MC 20K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I Gemini Bitcoin MC 15K I TMobile Capital One Visa 20K I BILT 2.O MC 10K I USAA Cash Rewards Plus American Express 4K I Apple Card 6K

PNWRambler · ‎11-30-2022

I have a split approach for rewards on my daily drivers, and some of them are revolving categories.

Chase Sapphire Preferred for Restaurants 2%
AmEx Blue Cash for Gas & Grocery 3%
Discover & Chase Freedom (revolving 5%)

Mercury World Elite & Capital One Venture for 2% everything else (although this CapOne doesn't let you do statement credits at a 1:1 ratio)

If I had to choose just one it would be AmEx Blue Cash or the Mercury World Elite.

Rogue46 · ‎11-30-2022

For small purchases I'd go with my Citi Rewards card for the +10 roundup feature, Bigger purchases like groceries and dining go to my Amex gold because I'm all about collecting the MR points!

ptatohed · ‎11-30-2022

This darn SYW card has completely disturbed the way I do cash back business, lol. Because of the monthly 'Spend $1000, get a $40 Statement Credit', I find myself using the SYW for 1% (when I could get 3% with AOD), for 3% (grocery and dining when I could get 5%), and less common but for 5% (gas when I could get 10% from Chase Amazon) just to reach the $1000 spend. Even if I throw out the rewards, it's a 4% flat CB card at $1000 spend.

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

galahad15 · ‎11-30-2022

I'd say that if I had to narrow it down to just one daily driver, it would most likely be my AOD FCU VS, since it has a 3% uncapped cashback rewards rate on all purchases

US Bank Split WMC @ 0% grace period for 3-6-12 mos. on all purchases, 1.5% mo. fee for 6-12 mo. items, $15k

PACU Premier Privileges Rewards MC @ 7.5% F with 1.5% rewards, $20k

Unify FCU Variable-Rate VISA Platinum @ 8.49% V, $15k

EPFCU Smart Rewards MC @ 9.25% V with 1% rewards, $6.5k

FNBO BucksBack VS @ 9.75% V with 1.5% rewards, $85k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.75% cat. rewards (Preferred Rewards), $50k

Andrews FCU Titanium Rewards VS @ 11.49% V with 3%/1.5% rewards, $5k

BoA Unlimited Cash Rewards VS @ 12.74% V with 1.88% rewards (Preferred Rewards), $17.6k

Cap1 Venture MC @ 13.4% V with no AF, 2% rewards, $24k

Unify FCU Fixed-Rate VISA Platinum @ 14.49% F, $25k

BoA Customized Cash Rewards MC @ 15.49% V with 3.75% cat. rewards (Preferred Rewards), $14.3k

Redstone FCU VS @ 15.75% V with 5%/3%/1.5% rewards, $10k

AOD FCU VS @ 16.25% V with 3% rewards, $7.5k

PenFed Pathfinder Rewards VS @ 16.99% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

BoA Customized Cash Rewards MC @ 17.49% V with 3.75% cat. rewards (Preferred Rewards), $20.4k

Citi DC WEMC @ 17.49% V wuth 2% rewards, $8.9k

AAA Daily Advantage VS @ 17.74% V with 5%/3% cat. rewards, $12.5k

Amazon Prime VS @ 17.74% V with 5% cat. rewards, $35k

US Bank Cash+(x2) @ 18.49% V with 5% cat. rewards, $32k

Cap1 T-Mobile VS @ 18.49% V with 5% on all T-Mobile purchases / 2% on all other purchases, $12k

PayPal CashBack MC @ 18.74% V with 3%/1.5% rewards, $25k

Wells Fargo Autograph VS (x2) @ 18.99% V with 3% cat. rewards, $42.5k

FNBO BucksBack VS @ 19.49% V with 2% rewards, $23.5k

Citi Custom Cash WEMC @ 21.49% V with 5% cat. rewards, $39.32k

Citi Custom Cash WEMC @ 21.49% V with 5% cat. rewards, $5k

Amex BCE @ 24.74% V with 3% cat. rewards, $25k

WF Attune WEMC @ 28.74% V with 4% cat. rewards, $2.5k

PayPal Credit MC @ 29.89% V with 0% / 6 mos. on all PP purchases $149+, $10k

Former cards:

DMB Titanium MC @ 90-day, 0% grace period | $4k BEFCU MC @ 5.49% F | $21.9k Citi DPR @ 5.99% F | Chase Platinum MC @ Prime+1.67%

acreditdummy123 · ‎11-30-2022

it should be the amex biz cashback one but nope. its FNBO biz

❤️ Am a peaceful, positive person. Credit scores: Amazing and higher than most. AAoA: Superb. No lates. No delinquencies.

The past is the past. I'm a completely new person now as of 3/6/23

SUPERSQUID · ‎11-30-2022

I do a rotation, i try to use my 2 pct cb cards to 10 - 20 pct of limit and jump to another card and i always use savor and the red card for groceries

Anonymous · ‎12-01-2022

What exactly is a daily driver? The card you use most? Or the default card if you don't have a better one for a particular spend?

For some, they may be the same, but when you have enough category cards for your particuar spend (and if that spend is varied enough among categories!) the default card might be rarely used.

In my case, until the end of the year it's going to be USAlliance, covering both 3% default and 6% supermarket, but once in nerfs, I need a different default

RehabbingANDBlabbing · ‎12-01-2022

This is always a good question. I'll never be a one card type of person. I've faced adverse action in the past, so I worry about that happening again. I refuse to have just a couple of cards.

Anyway, I think my daily driver card setup would be AmEx Platinum for travel purchases/benefits, AmEx Gold for dining and groceries, then AmEx Blue Business Plus for anything non category. AmEx is my favorite issuer; even though they have their own quirks. This covers nearly every base for me, except Costco and some other niche stuff. I like MR points for my travels. They transfer almost anywhere and are more valuable than cash back.
and now I have a setup where I earn a minimum of 2 points per dollar, but most of my spend gets 4X and 5X per dollar.