One of the questions I get most is about what credit card someone should get as their everyday spending card. This is a separate question from churning – if you churn, you’re going to need to put some spend on those cards to hit minimums. This is about what card you should use when you’re not hitting minimum spends (or if you’re not a churner).
It pains me when I see people using the Marriott credit card or the American Airlines credit card because there are better ways to maximize rewards (or cash) from your everyday spend.
Also, if you’re someone who likes to use 7 different cards to maximize your spend for every category, this is not for you – by all means, use those cards.
But for 85% of the world, this chart (which I’m excited about since I’ve been playing with a moderately fun flow chart program) should answer all your questions. I look forward to everyone telling me how wrong the chart is.
(Click the image to see more detail)