I currently use my Citi Double Cash for 2% cash back on all purchases (1% when I buy and 1% when I pay my balance). It is the only card that I currently use for my personal spending. I travel often for work (within the USA, occasionally by flying, but mostly in a company vehicle and all airfare, gas, hotels, and food is paid with a company card). I do have a separate card with TD Bank; however, it is never used and mostly just kept as a backup. Should I continue to primarily use the Citi Double Cash for everything, or should I pair it with another card with rotating 5% categories or travel points to maximize the benefits? For reference, for my personal travel, I don’t fly with a single airline or stay with a single hotel group enough to justify getting a card dedicated to a single airline/hotel. I have excellent credit, so credit score limitations shouldn’t be an issue. I also don’t mind paying an annual fee if the rewards warrant doing so. I appreciate any feedback—Thanks!
EDIT: Thanks for the feedback so far. As requested, here’s a bit more about my personal situation and spending: I’m in my late 20’s, single, and have no kids. Restaurants are probably my single highest routine spending category (not super fancy places, usually, but I do eat out frequently), even higher than groceries since I basically live at company properties around the country (in between business trips) and haven’t paid rent in over a year. For personal travel, I try to take one “big” trip per year, and while Sky Lounge access would be a cool perk, it certainly isn’t necessary for me. TSA pre or Global Entry would be well worth it, though.
Submitted April 14, 2019 at 08:43PM by Penguins_in_Sweaters http://bit.ly/2v4he58
