I’ve started the “pay everything with credit” plan, paying the bill off at the end of the month, while stashing extra cash in a “high” yield savings account. It pays to do the math, my power company charge a fee to do credit transactions that would be higher than the 1.5% cash back my card gives, so that’s a check. My auto loan and insurance are thru my bank and they give me 5% discounts for autopaying from a connected checking account, so no brainer there. Only have the one for now,not really interested in playing credit roulette with a bunch of specialized cards, seems to m that thatway lies the land of spectacular fuckups (which I’ve spent more than enough time in for one life).
I set my wife up with the Citi Double Rewards card because I liked the simplicity of getting 2% on everything. 1% when you spend and 1% when you pay for it. Since we pay our balance in full every month, it’s great.
I’d point out that UPromise Dining, iDine, and AAdvantage Dining are mutually exclusive: they’re different incarnations of the same reward program.