Top Credit Cards for Specific Spending Categories Revealed
The author of One Mile at a Time has roughly two dozen credit cards and has narrowed down his options to six that he spends the most on. These cards offer the best rewards for specific categories of spending, including everyday non-bonused purchases, foreign spending, restaurants, U.S. supermarkets, direct hotel bookings, airfare booked directly with airlines, and Hyatt stays.
The Bilt Palladium Card is his go-to card for everyday non-bonused spending, offering 2x points on all eligible purchases plus 4% back in the form of Bilt Cash. This can effectively boost earning rates to 3x points per dollar spent in non-housing categories.
The Atmos Rewards Summit Visa Infinite credit card is his primary card for foreign spending, with a 3x points bonus on all foreign purchases and no cap. He supplements this with domestic spending to earn the Global Companion Award when he spends $60,000 in an anniversary year.