Deciding Which Card to Use When You Aren't Working on a Signup Bonus

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We all know that strategically signing up for new credit cards throughout the year is the most effective way to maximize earning potential. But what about those times when you aren't working towards a sign-up bonus? Knowing which credit card to use for each purchase can still significantly increase your rewards. This quick reference provides a clear breakdown of the best cards for different spending categories during those in-between periods.

We put a lot of time and effort into creating resources like this to help you maximize your rewards. If you find this information valuable and decide to apply for any of these cards, using our referral links would mean a lot to us. It’s a simple way to show your support and helps us continue to create content that benefits you.

1. Everyday Spending (No Specific Category):

  • Capital One Venture X: Your go-to for general purchases when no other card offers a bonus. Earns 2x on everything.
  • Chase Ink Business Unlimited: If you prefer Chase Ultimate Rewards, this is your everyday spend card, earning a flat 1.5x points. 

2. Groceries & Dining:

3. Travel:

4. Business/Office Supplies:

  • Chase Ink Business Cash: Earn 5x Chase Ultimate Rewards points at office supply stores, including gift card purchases. 

Your Essential Tool: The Travel Freely App is my most used app! 

  • Easily track bonus categories and perks for all your cards.
  • Quickly identify the best card for any purchase.
  • Keep track of your 5/24 status.
  • Reminders for upcoming annual fees and advice to help you decide when to cancel or downgrade your card.

As always, we truly appreciate when you use our referral links! It is free for you and it is a great way to say thanks!

Happy travel! ✈️🌍

The Travel Savvy Family

- Wander More, Spend Less

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