slo’s FRIDAY 1/12 poll - Your Credit Cards

[fla4fun]

I have all of them except Discover, and I use them equally. One is for travel, one is for online shopping only, and one is for large purchases. I probably use each card once or twice a month.

 

[mumto3girls]

We have three visas that we use for different things—one is better for groceries and gas etc

 

[loves to dive]

I only have two credit cards total. The one I carry all the time is a Visa. I couldn't even tell you what the other one is, it's a shared one with hubby and I never carry it unless I'm going to WDW and that is just for emergencies. It stays in the safe in the room, not on me. The only reason I have it with me is there have been a few times I've had to cancel my card because of charges not mine and I didn't want to put charges on my debit card, which I also have with me in the safe. I think I've used the shared one maybe twice in the entire 20 years we have had it. I think the last time I used my debit card was in early December to get a little cash to take to WDW. It stays in a separate wallet in my purse which I rarely carry with me. Usually I just carry my phone which has a little slip pocket on the back that holds my DL, CC and either my Kroger card or my AP depending on if I'm at WDW or not.

 

[Moliphino]

I have a Disney Visa and a Capital One Mastercard. I just downgraded the Disney card since we haven't been going there lately it wasn't worth the annual fee for the premier card anymore. I use the Capital One more now. I have another Visa through my credit union that I almost never use.
I have an AmEx, but I don't carry it anymore. It's linked to my dad's account (got it back in college) and I don't need my dad to pay for any of my stuff anymore.

 

[MIGrandma]

Our main card is Amex, love the points. Also have two Visa cards.

 

[jimmymc]

I think I have 8 or 9 total, each with their different uses. The main ones are Amex Blue for groceries, Discover for the rotating 5% and because it's my oldest card, and Chase Saphire Reserve for eating out. I also have Amazon, REI, and Kohls cards for those stores, and both Delta and AA airline cards for the miles and checked bags.

 

[Wood Nymph]

I have two MasterCards and one Visa. I use my Capital One MC the most because it gives 1-1/2% on all purchases. The other MC gives 2% on groceries and some other purchases up to a limit of $1,500 per quarter. I have an Amazon Visa that gives a really good discount at Whole Foods and rewards points that I can use for Amazon purchases, but otherwise I don't use it a lot.

I refuse to use any credit card that charges and annual fee. It isn't worth it for me.

 

[disneychrista]

Since the strap on my purse broke and I haven’t found a purse I like to replace it my “wallet” is a little sleeve attached to my cell phone. The only card in it is a MasterCard and my drivers license. I also have a Disney Visa but I only use it at Costco because they don’t accept MasterCard.

 

[The Mayor]

I have three. SW Visa, Jet Blue MC and Hilton Amex. All from when I traveled for work. I keep the Hilton open because I still have about 400K points to use. Mainly use the SW and JB ones now for everyday expenses and pay them off monthly so not to get charged interest. I like the SW and JB cards as I haven’t paid for airfare in over 20 years. Makes it easier to spend the money for other things on vacation.

 

[lovesmurfs]

Chase Visa, Discover, and a Mastercard. The Mastercard is a work card.

DH has a Bank of America Visa that I'm a signer on, but I don't carry that around -- no points.

 

[disney4us2002]

We only use Visa at this point. I cannot remember the last time we had a Mastercard so it has been many years. I like my Southwest Visa to get points and we regularly use the credit union Visa as it has the lowest interest.

 

[SueInBoston]

I only carry one physical card, BofA unlimited cash back that gives me ~2% on all purchases. Then I have other cards for specific usage, BofA travel reward (no foreign transaction fee), Citi Costco, JetBlue, Amazon, Apple etc. These are all on my Apple Pay.

 

[Dan Murphy]

Costco Visa for Costco, food and gas. Amazon Visa for Amazon. Fidelity Visa for most other purchases. A few AMEX cards specific to hotels and/or airlines. All are in my Google Wallet for phone pay. No Discover.

 

[BlueStarryHat]

I have a VISA debit card for online purchases, but it has my aunt's name on it because she's my designated payee and controls my money. However, she doesn't tell me what to spend or how to spend it; she trusts me.

I use cash for other purchases.

 

[tvguy]

Only have on credit card. I guess I should consider having a second in case it gets compromised. I did have an attempt years ago, and they overnighted a new card to me, but it could be a challenge if I am traveling out of town.

 

[leebee]

All my credit cards are branded. I have a Disney VISA Day One that I use for recurring monthly charges. I also have a Disney VISA that pays 2% in points (and the points paid for the room at CSR where I am currently sitting, as well as dinner for 2 at Boma tonight). I have a SW business VISA, an American Airlines Master Card, a Wyndham VISA, a Marriott VISA, and a Hilton Honors AmEx. DH is an authorized user on my cards (as am I on his) so we rack up points as frequently as possible. I know I could probably earn more points by using some other type of card (like a Chase Freedom card or something) but I like having points specifically "ear" marked, especially my Disney points. (Besides... my card has Maleficient on it, and DH's has Grogu!)

 

[ScottOKW2K]

Have many cards, use many cards. Probably make $200 ~ $400 per year from using them.