Gary recently wrote a blog entry about which cards he's keeping. One of the comments asked for guidance as to which he's using for different kinds of spend, which reminded me of an old thread hidden on the "other credit cards" forum here asking what your "primary" card is. I'm interested to hear what more people are doing. How do you slice and dice your spending across your cards? My answers: Chase Sapphire Preferred: dining and travel (2x), unless otherwise directed Chase Freedom: only bonused categories (5x) United MP Select Visa (discontinued): UA tickets (3x), gas and groceries (2x) Chase Ink: cell phone, internet, office supplies (the 5x bonus categories) Barclay's Priceline Visa: only Priceline spend (5x cash) Hyatt Visa: only Hyatt spend, and only because I don't have an Amex small business card for the 5% savings. I keep it for the annual night. Hilton Amex (not Surpass): any "goods" for which I may want Amex's Return Protection or extended warranty. Or any services where I may want Amex's dispute resolution. Pretty much my fallback card. I used to use a Starwood Amex for this, but I'm thinking of closing that due to the annual fee. That includes four annual fee cards (all Chase) that I'm using, in addition to about three more that I'm not using. I'll probably close/convert the Ink card when its fee comes around, but I'll keep CSP and Hyatt. The UA Select card is an odd duck. I agonize over using it, even at 3x, because the insurance products aren't very good. I just had to cancel some trips due to medical issues, and if I had gotten the tickets with CSP, I likely would have gotten the money back. Historically I've kept this card for the 5-10K annual EQMs, but I'm about to hit 1MM with UA, and with the PQD requirements in 2014 I may give up on higher status with them, which makes keeping the card more questionable. I have some 2x airline cards that I've gotten for the sign-up bonuses but don't tend to use (AA, US), instead preferring CSP. The banks have been good at waiving these annual fees; if they stop, I'll likely close these cards. I also have some cash back cards (the 2% FIA Fidelity Amex, the old 2% version of the Barclay's Priceline card, and a Citi Dividend card). In years past, I've defaulted to them, figuring that the cash was worth more than 1 point in most programs, but I'm now defaulting to a card with better dispute resolution and insurance protections (the HHonors Amex, though pretty much any "real" amex will do).