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How many bank / credit / reward cards do you normally use day-to-day?

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  • Rob5342
    Rob5342 Posts: 2,475 Forumite
    1,000 Posts Third Anniversary Name Dropper
    I can't remember the last time i uaed actual card, i used Google pay on my phone and watch for everything. Most of the time I use Monzo on Google pay, but I also hsve Starling and Halifax in Google pay too as backups, as well as the actual cards in my wallet in case anything happens to my phone. 
  • PRAISETHESUN
    PRAISETHESUN Posts: 4,922 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Keep it to two cards for simplicity mostly. Amex cashback card, and a Barclaycard Reward card for everything that doesn't accept Amex. Two cards in my wallet, always swipe Amex first and then if it gets declined then I pull out the other one - don't understand all the fuss people make over being declined, or feeling weird asking if a shop accepts Amex or not.

    Online shopping, a lot of places that don't accept Amex directly will accept it indirectly through PayPal/ Google pay, etc. For the few instances where I'm worried about S75 then I take the slight hit on cashback and just use the Barclaycard directly. My Barclaycard also gives fee-free overseas transactions, so doubles as my travel card when on holiday or making online purchases in foreign currencies.
  • Theleak250
    Theleak250 Posts: 221 Forumite
    100 Posts First Anniversary
    I use Amex for everything. If Amex is not accepted I use HSBC credit card. I have several
    other debit cards but these are not used. 
  • HillStreetBlues
    HillStreetBlues Posts: 6,251 Forumite
    1,000 Posts Third Anniversary Homepage Hero Photogenic
    Amex or Aqua, and once a month Natwest for a 99p transaction.
    Let's Be Careful Out There
  • Hattie627
    Hattie627 Posts: 430 Forumite
    100 Posts Second Anniversary Name Dropper
    edited 10 September at 10:44AM
    I currently use Santander Edge credit card for all spending (1% cashback up to £15 a month; the terms have recently become less generous but I have an old one with preserved terms). I pay off the credit card monthly (or more often) so never incur interest. I also carry my Santander Edge debit card as a back-up or in case I need to draw cash from an ATM but that doesn't happen very often. I have various other current accounts for perks and/or linked regular savers, but I keep the debit cards locked away at home.

    Edited to add: as I am only carrying two cards with me,  I rarely use the wrong one by mistake,  although it has happened once or twice.
  • UKX69
    UKX69 Posts: 196 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    M&S reward credit card for absolutely everything - Otherwise my wife gives me a row! 😳
  • Do not use anything daily. Buy most things with a debit card. Maybe use my one credit card every couple of months or so to keep it active. Have Sparks, Nectar and Boots Advantage card. Suits me lol.
    Never switch bank accounts or anything like that. Happy to plod along  :)
    Saving To Keep Ahead Of The Game — MoneySavingExpert Forum

    December 2025 Target for Annual Bills and Travel Account 2026  £7000. Current Total £4675
  • Rich1976
    Rich1976 Posts: 697 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    We use generally one credit card and have another for back up. Debit card is generally only used for occasional cash machine withdrawals. 
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