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?

  • Otherbarry
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    31 year ago

    Citi Double Cash 2% for most purchases

    Citi Custom Cash for specific 5% categories I can target, though in practice I usually use it for groceries

    Discover Cash Back / Chase Freedom Flex for the rotating 5% categories

    Personally I don’t travel enough to bother with travel rewards cards but maybe that’s an option for other people.

    PS - I’ve found that Discover usually has higher discounted gift cards if you wind up using your cash back towards that, sometimes it works out better than just doing cash back against your balance.