You sound like me. Also, as of yet, no tax on the rewards.
Another concept most of our math deficient citizens can’t understand is:
When something is on really on sale and has a long shelf life and is something you use all the time. Buy it, charge it and pay for it later from your worthless savings acct getting zilch interest.
I have 4 credit cards, and one is payment due in the first week and on down to the 4th week. Use the one that was just paid off for a few weeks to 4 weeks of no interest.
All 4 of my credit cards are Visa. Costco used to be a pain re the bill due the 1st of the month. It seemed like the 1st fell on Fri-Sun a lot. So I had to pay the bill early to avoid a penalty. Now Costco accepts Visa. Yesterday @ Costco, we filled up our gas tank and bought stuff charged to a Visa card due 4 weeks from now.
I use electronic banking, so payments and transfer of funds is is easy to do.
The rewards can be substantial. Interesting that it isn’t taxable.
We have just one CC and another as back up that we never use.
Also just my opinion, but is still good to have a savings as a buffer.
We have an electronic budget so in addition to checks, we enter all charges too so they are already accounted for when the cc bill arrives.
One thing we learned the hard way: you a can accumulate thousands of dollars in a month of ordinary expenses and if your payment is late, there is a lot of interest. We were using automatic bill pay and our old bank wasn’t making the payments on time. Their error. The did eventually refund the interest. However, that was when we decided to change banks and have our CC and primary act at the same bank for immediate transfers.