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We use one card, two cards with their own numbers tied to same account. Our daughters each have as an emergency. This maxes points for cash during the year. We pay in full every pay day. Over the year we usually get cash back to the account ~$1200. We also have an Amazon credit card that earns higher points and pay that monthly. At some point will put that on auto pay as well.
We have also had an overdraft protection LOC that thankfully we have never used.
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Chris
1988 911 Carrera Targa (driving project started JAN 2022)
1970 911E - Long since gone
1972 911 Targa - gone
1987 911 Carrera - gone
Retired FA-18C Driver
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