My family uses credit cards for all purchases and we pay them off in full each month. Although sometimes we’ll use a 0% APR promotion for bigger purchases.

Which cards do you use for maximizing your rewards?

  • @[email protected]English
    6•1 year ago

    I mostly use two cards:

    • Citi Costco Visa - for Costco, gas, and restaurants
    • Citi DoubleCash - 2% on everything else

    That covers like 95% of my spending. I have other cards as well, such as:

    • Bank of America Cash Rewards+ - home improvement stores; I don’t bring it with normally, but it gets 3%, which is nice
    • Delta Gold - we live near a Delta hub, so the free checked bags usually pays for the fee
    • Discover It and Chase Freedom - rotating 5% categories, I check periodically and bring it if it’s a category I use frequently

    But most of my rewards are from signup bonuses. I’ll usually have a card I’m working on, and I’ll use that for any category that didn’t have a better than 2% rate.