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The Credit Cards I Use For Spend In Each Major Category

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I remember back in the day when the Starwood Preferred Guest® Credit Card from American Express was the (almost) undisputed best credit card out there. It’s still a great card, but back in the day this was the card that many points collectors used for a vast majority of their purchases.

That’s because at the time there weren’t many cards offering bonus categories. Over the past few years we’ve seen so many cards introduced or improved with great category bonuses, making it easy to earn an average of multiple points per dollar spent on purchases.

Year after the year the cards I use for each spend category change, given the number of new options we’ve seen emerge.

With that out of the way, here’s a quick summary of the cards I’m presently using to maximize my spend in each major category, ranked by the number of points offered per dollar spent:

Cards

I really should figure out the average number of points I’m earning per dollar spent. Based on my purchase patterns, I’d guess it’s somewhere around 2.5x points, give or take.

How does this compare to the cards you use to maximize your spend?

Courtesy of One Mile At A Time

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