What cards do I use and how? Here is my Credit Card plan. This isn’t necessarily the best plan for you, but it works for me and my family.
My cards fall into two categories: cards we use for everyday spend and cards we put very little spend on but keep for the perks. Note I have a mix of small business cards and personal cards.
Cards for Everyday Spend
These are the cards we put the bulk of our spend on. Here is how we use them and what multipliers they give us.
- Chase – Sapphire Reserve
- Restaurants – 3x
- Travel – 3x
- AMEX – Everyday Preferred
- Groceries – 4.5x
- Gas – 3x
- Everything else – 1.5x (make sure we use the card 30 times a month to get the extra .5 multiplier)
- Chase – Freedom
- special 5x bonus categories each quarter
- Chase – Ink Business Cash (Small Business card)
- internet – 5x
- office supplies store – 5x
- Chase – Ink Business Unlimited (Small Business card)
- general business spend – 1.5x
You can see that this is generally my three card combo recomendation.
Cards for the Perks
The following cards we put very little spend on, but we keep for the great perks they give us year after year.
- Chase – The World of Hyatt Credit Card
- Use for Hyatt spend
- Yearly Hyatt reward night
- Chase – IHG® Rewards Club Premier Credit Card
- Use for IGH spend
- Yearly IHG reward night
- AMEX – Hilton Aspire
- Use for Hilton spend
- Yearly Hilton weekend reward night
- AMEX – Marriott Bonvoy Brilliant
- Use for Marriott Bonvoy Spend
- Yearly Marriott Bonvoy reward night
- Bank of America – Alaska Airlines Visa® Credit Card
- Yearly companion pass
Many of these cards are in my bonus card recomendations.