The idea of not juggling multiple cards is intriguing, curious how many people here only use 1 card daily, and which card that is. Excluding cards like the Amazon card where it's a set it and forget it card.
Note I did post this 7 months ago and got great responses, but with new cards like Bilt 2.0, and recent nerfs I'm curious on what people are using now.
Those that only use 1 card, which do you use and why?
byu/geoff5093 inCreditCards
Posted by geoff5093
17 Comments
One card only would be a 2% catchall Visa card.
USBank Smartly “Good Nerf” crew, get in here!
The Venture X
It is a no brainer 2x on everything
robinhood gold 3% on everything
**If** I were to use one card it would be my Premium Rewards, but earning double the cash back on most of my spend with the CCR is too good to give up.
RH Gold! Best cashback card out.
Citi double cash card
2% cash back is nice and simple.
The GOAT: TY Citi Mastercard (Formerly Shop Your Way)
I have 4-6 cards; usually never close any so it doesn’t hurt my credit score but realistically use Amex Platinum or Sapphire
Fidelity no FTF, no AF, 2% 🐐ed
RHG is my daily driver but I use a CCC for fuel.
One Key+
3%: Gas, Groceries, Restaurants
2%: Everything else
I always book with Expedia when it comes to hotels, so this works out great for me.
Costco card. I don’t use my delta and Hilton cards anymore because they took too much away and are making the rewards cost way more than their value
Robinhood, no question.
1 card? My wallet holds 5 cards and sometimes that’s even hard to decide what ones to take 😂
If you’re churning, technically you’re only ever using 1 card daily. Not quite what you’re asking, but it does make it easy to never have to think about categories and multipliers.
chase freedom unlimited. Use the points to transfer to Hyatt.