- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
I think there are times when the cashback helps grease the wheels on some purchases but not often.
I use CCs for ALL of my spending because of the rewards but also just as much for the float and the ability to track spending. I check transactions and balances on my cards intra-month. Along the way I ask myself whether all the spending was wise/necessary. This has helped me train myself to be more frugal. I have a fairly good idea where my balances should be during any time of the month; if I'm running up more debt than usual, I look for ways to scale back so as to come in "on budget" when the statements print.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.