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....
It’s a cat and mouse game to achieve “the best” rewards. It’s made this way on purpose and they change monthly/on a cadence (as you most likely all know). I always look around to research and modify our usage per expenses.
That said:
Amex Platinum for travel (hotels, flights)
Chase Freedom for gas (rewards are sometimes targeted)
Chase Sapphire for streaming, bills and randoms because I like their points incentive(s)
Citi Simplicity for balance transfers, since they tend to target my family for generous offers (like when we had to buy a new living room :/)
Other than the Citi card, we pay our balances. Our rewards points are pretty built up at this point and we’ll use them for things like vacations, or vacation add-ons, rentals or gift cards for the kiddos.
Yep, I agree about Chase. And the same could be said about Amex with the changes in perks + the Centurion lounges always being full. I have been an Amex customer for a long long time and regularly call to get my fee partially waived (it’s hit or miss). I stay for their customer service. It’s second to none. To answer your question, I travel a lot. I do gov consulting work so it’s all reimbursed :)
Which credit cards do you use for maximum rewards?
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....