What's your daily driver

Anonymous · ‎05-09-2022

Wanted to just post on previous existing threads but can't(closed?).

CFF, my smallest limit card(500) for groceries(5% for 1st year) and dining(includes fast food, 3%). Retrenchment period so no use for other spends.

Non-cateogry spend goes to CITI DC(2%), including transit, gym and cell phone.

In fact I'm ruing that I hadn't limited credit card apping for just these 2 cards, these 2 cover pretty much everything(travel for CFF, although no or limited use due to paltry CL)

When I travel to Champaign, IL to attend NCAA tennis mid-May, not sure what I'll use to pay tickets, CO SO has been very disappointing so far(very limited/fickle Merchant coding. So all revert to just 1% lol).

Disco It CB for gas(5%), and will also try to spend at Target(5%)

1LostArk · ‎05-09-2022

My Amex BCP is my most swiped card. I'm cash back oriented, but if I wanted points it would be an Amex Gold. Highest earnings goes to my Citi DC, recently PC'ed to CC. I will soon add a BofA PR, which I project will be my most swiped card and highest earner.

American Express Blue Cash Everyday $25,000

Bank of America Customized Cash Rewards $20,000

Business Cards:

American Express Blue Business Cash $19,500

American Express Blue Business Plus $30,000

American Lowe's Business Rewards $10,000

Bank of America Business Unlimited Cash $11,000

Anonymous · ‎05-09-2022

@1LostArk wrote:
My Amex BCP is my most swiped card. I'm cash back oriented, but if I wanted points it would be an Amex Gold. Highest earnings goes to my Citi DC, recently PC'ed to CC. I will soon add a BofA PR, which I project will be my most swiped card and highest earner.

lol you really do have a perfect card lineup per your sig! I envy you. BCP is a perfect daily driver imo. I was thinking of apping for CC in the future, but maybe PCing like you could be an option(to use for sports events like Indian Wells and NCAA), pairing with PenFed Cash maybe(Did become a member recently, nominal $5 parked on Savings). BA PR looks good too.

Bradac56 · ‎05-09-2022

Daily:

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Amex Blue Cash Preferred : 6% groceries ($6k max) / 6% streaming / 3% gas (unlimited) / 3% transit / 1% everything else.

Freedom Unlimited : 5% travel / 3% dining / 3% drugstore / 1.5% everything else.

Amazon Prime Visa : 5% cash back on Amazon / 2% dining / 2% gas / 2% drugstore

Not so daily:

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Discover Cash : 5% cash back on quarterly categories.

CapitalOne Quicksliver : 1.5% cash back on everything, no foreign transaction fee.

USBank Platinum : Big credit limit card / removes fee's from other USBank products.

ChargedUp · ‎05-09-2022

Amex BCP - 6% Grocery/Streaming

Elan Everyday Rewards + - 4% Dining

CFU - 3% RX, Dining

CSP - 3% Travel & Dining/Primary Rental Car Insurance, Picks up the tab for dining outside of USA

PNC Cash Rewards Visa - 4% Gas stations

Amex Simply Cash + (Biz card) - 5% cell phone bill

Elan (Banc of CA) Max Cash Preferred MC - 5% Utilities

Chase Amazon - 5% Amazon

Everything else... AODFCU Visa Sig - 3% everything and no FTF.

ptatohed · ‎05-09-2022

It changes every quarter but this quarter is Disco 5% gas, Custom Cash 5% dining, CareCredit MC 5% grocery, 5% store cards, and 3% AOD all else.

5% CB rotating:

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Everyday 3% CB:

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Everyday 5%:

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Companion Card:

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Everyday 2.2% CB:

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Retired to sock drawer after AOD (kept alive w/ 1 purchase every 6 mo):

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On my radar:

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Still Waiting for an Invite:

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No hope:

ptatohed · ‎05-10-2022

So many Amex BCP. Do you guys really get that much beni from 6% groceries for $6k capped max spend ($360/yr) that the $95 AF is worth it? Personally, I refuse to pay an AF. Can you not just use a Citi CC for 5% groceries, same caps, all year long, and avoid the AF? Curious.

5% CB rotating:

;
Everyday 3% CB:

;
Everyday 5%:

;
Companion Card:

;
Everyday 2.2% CB:

;
Retired to sock drawer after AOD (kept alive w/ 1 purchase every 6 mo):

;
On my radar:

;
Still Waiting for an Invite:

;
No hope:

TSlop · ‎05-10-2022

My most used card is the CFU. It gets my online spend, most dining, and anything that isn't in a rotating category that month. My other ones are used just for bonus categories. I typically carry 3-4 cards at a time.

CSP: travel, streaming, and dining (if I feel like throwing down metal)

CFF: rotator (although I have 5% on gas for a year right now)

Amazon: Amazon (though I have shifted it over to my CFF since it is currently 5% and I'd rather have URs)

Discover: rotator

Surpass: groceries

PNC: once or twice a year Amazon reload

Best Buy: Best Buy

RedCard debit: Target

PSECU: recurring Planet Fitness $10 a month

BoA cards aren't really used (except for PR airline credit). I'll use them a lot more if I get to the second tier of rewards.

iced · ‎05-10-2022

What is considered a daily driver? The card that is a catch-all for categories you don't have a specific card for, or the card that sees the most swipes?

For me:

Card that is catch-all for non-category spend: Chase Freedom Unlimited

Card with most swipes in a month: Chase Sapphire Reserve (dining/travel only)

Anonymous · ‎05-10-2022

@iced wrote:
What is considered a daily driver? The card that is a catch-all for categories you don't have a specific card for, or the card that sees the most swipes?

For me:
Card that is catch-all for non-category spend: Chase Freedom Unlimited
Card with most swipes in a month: Chase Sapphire Reserve (dining/travel only)

Both meanings I guess, it was actually debated on a previous thread..lol. Hmmm I wonder if I should've opted for CFU instead of CFF. Oh well I have Citi DC for non category spend..and CSR will be my ultimate goal card..hopefully.