Your two main cards..

[Open123]

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@travisr0 wrote:
Yeh it is difficult to narrow them down to 2 of them sometimes but also makes you think of all the cards we have that really don't have much significant use.

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It would mean having to discard the 5% rotating cards, since they aren't viable options for any non-bonus general spending.  For cash redemptions, all it would require to maximize value is the Citi 2% and JCB 3% (if available).

For travel rewards, it becomes a much more complicated choice.

[kdm31091]

Primarily Quicksilver, after that probably Discover or maybe even my BJ's Mastercard (at BJ's, at least). My Amazon is really only used for dining at 2%, and my Sallie is only used for grocery spend at actual grocery stores which isn't as much since I get most of my stuff at either BJ's or Target, where I have the debit Redcard.

I hope to pare down to 4 cards eventually, as some are not really super useful for me.

[Anonymous]

I'll be cutting down to 3 cards by the beginning of next year. But my two main cards are my CSP and Discover IT.

[Open123]

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@Anonymous wrote:
I'll be cutting down to 3 cards by the beginning of next year. But my two main cards are my CSP and Discover IT.

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I've often wanted to pare down my cards to 2 or 3, but have found it difficult to give up on the myraid of 5% rotating cards, such as Freedom, Discover, and Cash+.  5% cash rebate is actually more valuable than any kind of travel rewards points value.

So, though it's limited, I can't seem to cut them.

[kdm31091]

I think having both Freedom and Discover is normally redundant unless you're using the Freedom to xfer points to the CSP. Other than that, the categories tend to overlap during the year. I had both before and couldn't justify it. They aren't both useful on their own, IMO, it's fine to have one or the other

[Anonymous]

NFCU cashRewards - my default card

Barclaycard Rewards MC - groceries & utilities

My husband's default is his Cap1 Journey rewards card.

[mikelo22]

1. Citi Forward (5x Restaurants, Amazon, Entertainment)

2. SallieMae (7x Gas/ 5x Groceries, Amazon)

3. Citi DoubleCash (2x non-category spend)

Will be getting rid of CSP when AF comes up. Only used for the bonus. My Forward beats CSP's dining (even when valuing UR points at 2cpp) and I don't travel too much at the moment, and when I do it's with UR/MR points.

Will get rid of Amex PRG when AF comes up as well unless they make the rewards more worthwhile. Will PC BCE -> ED to keep the MR points.

Will probably close Discover It as well. No sense in having Freedom and It when they cover pretty much the same categories. And Discover is being very stingy with CLI's. Plus, still get my TU FICO from Barclay SallieMae so no loss there, and the SavingStar Shopping Portal has proven much better than Discover's.

[Lyythine]

They change often, depending on what I am doing. However, my two main cards for the past couple months have been:

1) Amex Platinum

2) Merrill Accolades (only for convenience purposes)

[kjel]

Now that I have some prime cards, all three CapOne cards are going into the sock drawer.

NavyFed Cash Rewards, 1.5% cash back on everything.

CSP, used for dining and travel. Since it's a new card for me, no AF yet, but I think it will still be worthwhile next year due to the amount we do travel and dine out.

Looking to add another prime card, this thread has given me some ideas.

[Anonymous]

I think I would do SM and a CSP.