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[quote=Anonymous]
We use three cards.  We pay them off in full each month, so interest is irrelevant.  None carries an annual fee.

1.  AmEx Blue cash card.  Once you charge 7k in a new year (goes from the date you started the card), it pays 5% back on supermarkets, gas, and drug stores.  We pay part of our quarterly income tax estimated payment using up most of the 7k on the first day of the new fiscal year for the card and so get these rebates all year.  The rebates are smaller up to the first 7k.  I am not sure these terms are still available on the blue cash card.  We've had the card for years.

2.  US Bank Cash + visa card -- every three months, you have to pick two new categories for the 5% rebates and one for 2%.  Everything else is 1%.  We used to pick fast food and restaurants for 5% and department stores for 2%, but they dropped restaurants as a category so we get 5% from department store purchases and fast food (includes places like chipotle).

3.  Fidelity Amex card -- 2% on everything, gets immediately and automatically credited to your Fidelity brokerage account if you have one.  Everything else gets run through this.

We largely ditched the airline cards years ago.  I'd rather have cash back.  I still have a United or paying for United flights and thereby getting perks like one free luggage etc., but rarely use it.[/quote]

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