this post was submitted on 27 Aug 2023
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Which credit cards do you use for maximum rewards? (lemmy.ml)
submitted 1 year ago by WetBeardHairs@lemmy.ml to c/personalfinance@lemmy.ml
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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?

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[–] sugar_in_your_tea@sh.itjust.works 6 points 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.