mai wrote:Probably the BCE for gas and groceries and the ED for bills and anything else I might need.
They have the same rewards categories just that one earns points and the other cash back.
Why not the opposite allocation? Why not two cards that earn different things?,
I'm a little confused myself. I understand not wanting to throw all the eggs in one basket, but cash is cash (BCE). If you aren't going to fully spend within the ED program, you won't likely rack up enough points for anything meaningful in the long term. Remember ED needs 20 swipes per month to earn more than 1 point per dollar (excluding supermarkets; remember the plain ED doesn't have a gas bonus).
Generally speaking, people who have ED and reap a large benefit from it are using it instead of cash back cards, not with, unless the spend is huge every month.