who uses only 1-3 cards

[Anonymous]

Same 2-3 cards will be in rotation for around 90 days, then in the SD, and another 2-3 go into rotation for 90 days. I have a lot of cards, but try and keep the majors in some sort of rotation to keep them active.

[barthooper]

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@Anonymous wrote:
discover is accepted anywhere i go except the public library so i use it a ton except recently since i need to meet venture spend bonus

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I'm finding that to be the case as well. One restaurant I went to this past weekend didn't take Discover and neither does my gym membership so the instances where I don't use it are few and far between.

[Anonymous]

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@Anonymous wrote:
lol it counts but why is SM a main?

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Why wouldn't it be?  5% back on gas/groceries/bookstores (aka Amazon) is the highest cashback for each of those category spend, as long as you don't go over the $250 monthly cap.

Also, didn't you say in your OP that you'd be using it as one of your mains as well?

[Anonymous]

yeah but not everyone gets gas like i do lol.

[Anonymous]

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@Anonymous wrote:
yeah but not everyone gets gas like i do lol.

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I'm confused?  Any amount of spend towards gas will get the 5%, which makes it the best possible option unless you buy a gas card at a supermarket with BCP or similar.

[Anonymous]

and you're correct lol. what i mean is not everyone uses it "regularly" because they may not get gas or groceries or book purchases with it so i was wondering if you use it for almost everything or just categorical spending

[Anonymous]

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@Anonymous wrote:
and you're correct lol. what i mean is not everyone uses it "regularly" because they may not get gas or groceries or book purchases with it so i was wondering if you use it for almost everything or just categorical spending

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Ah ok that makes sense now!  Yep just category spend for both SM and AARP (restaurants only); all other spend (that doesn't have a deal from another one of my cards) goes on the DC.

[Anonymous]

oh okay haha

[Anonymous]

My main 3 are BoA Cash Rewards for gas and groceries, AARP for dining, and Disney just because it brings me to my happy place. Non category spend goes on whatever I pull out or my mood as it is 1%. All our rewards, including my wife's, goes to our Disney trips. Just realized last month too that you can have Disney Vacation club embossed below your name if you are a member. Score! Looks that much better now!

[Anonymous]

lol that was fun to read.