kdm31091 wrote:JonE wrote:I just think it's a better idea to get cards that fall in line with your spending. On a personal level I have 2 category cards, one of which is my daily driver which all spending goes on save for a few smaller bills. And the other I use sparingly. Plus one very useful store card, and two more that will be SD'd. Future needs, probably a general travel card with restaurant benefits (ala CSP) and a gas, groceries card that could also be used for general, everyday spending (EDP with the 30 swipe points bonus). All of those would fit my needs, and wouldn't put me in a position to get in over my head. I could use the EDP as the everyday driver, and rotate other cards monthly or as needed (CSP for travel, Amazon for prime purchases). That's my idea of maximizing rewards.
I think that makes more sense vs having one card for dining, one card for groceries, one card for this, another for that, etc. To a point, that can make sense (f the separate cards offer % benefits over the others), but often it just dilutes one's spend too much when we're talking about an extra 1% on a couple things here and there. I think your plan sounds good.
I like cash back, period. I have kept multiple cards for a while now, Sallie Mae/Barclay for gas/groceries/books and Amex from Costco for restaurants and travel. But with the latter going away soon, I've applied for an AARP/Chase restaurant card and I'd like my spouse to pick up the AARP/Chase travel card (since we're going to the same places anyway!) Problem is, the link puts up the restaurant application, not the travel. Anyone know where to find a working link?