re: Anyone have separate Cc's for different usage?

Yes we have various cards for different purposes

Amazon Visa - For amazon purchases, 5% cash to Amazon, also 5% (sometimes 10%) at whole foods, we use this only for that (fee free)

AMEX Blue Cash Preferred - 6% cash back on groceries and streaming services, we use it only for that ($95/yr fee)

Costco Visa - 4% costco cash on gas, 3% back on restaurants and travel booked through costco, 2% back at costco....we use this only for those (fee free)

Cap One Venture - We use this for everything not related to above as catch all card, 2x miles on everything, ($95/yr fee)


We also have a Chase Freedom Unlimited and Chase Freedom (Flex it's called now) but basically never use those, both fee free cards. 5% category on my Chase Freedom is rarely something we would either use or we get it better with other cards above.

Thought about the Venture X upgrade from Venture but the extra benefits (like $300 travel credit) mostly come from booking your travel through Cap One's portal which I've found is just inflated prices to where I can get elsewhere.