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Alsadius comments on Open thread, Dec. 1 - Dec. 7, 2014 - Less Wrong Discussion
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My income is variable and hasn't been great lately. As a result, several months ago I flipped the "I'm poor!" switch that's been lingering in my brain since I was a student, and so I avoid almost all unnecessary spending(a small recreation budget is allowed, for sanity, but otherwise it's necessities and business expenses only). Every few months I review spending to see if there's any excessive categories, but my intuition has been pretty good.
And yeah, everything on plastic. Not even because of tracking, mostly because Visa gives me 1% cash back, which is a better bribe than anyone else offers.
Some cards will give you 1.5% back and I think I've seen an ad for a Citibank card that gives you 1% on purchase plus another 1% on payment.
Most of those have annual fees, though - I've done the math, my spending isn't high enough to justify them. My 1% card is free. Also, I have my credit card number memorized, so changing it would impose a fairly high annoyance burden on me. But it's worth noting for those who have higher spending patterns than I do(~$1000-1500/month on credit).
Nope.
Here is the 1.5% Capital One card.
Here is the 2% Citi card.
For clarity, I'm in Canada. All the card offers I've seen up here that are meaningfully better than 1% have fees. Americans can take note of those, though.
Ah. Sorry for my presumption.