Add sticky notes to your cards to help
you keep track of their spending categories.
Cardholders who don't want to
keep track of spending categories and spending limits, may prefer the card's simplicity.
It's a straight 1.5 % cash - back on all purchases, so you don't have to
keep track of spending categories.
Not exact matches
If you can
keep track of these bonus
categories, and manage to fit at least 6.25 %
of your total
spending into them, the Discover it ® for Students outperforms the Journey ® Student Rewards from Capital One ® rewards-wise.
If students manage to
keep track, and have at least 6.25 %
of their total annual
spending fall into these
categories, we calculate that they will come out ahead compared to the Journey ® Student Rewards from Capital One ®.
Blueprint ® also helps to avoid paying interest by selecting purchase
categories to pay off in full, as well as
keep track of your
spending habits.
Cash back is unlimited, and there are no rotating
spending categories to
keep track of so it's a great pick if you prefer simplicity.
For some people, it's fun to
track those special
categories, while other people find it confusing (especially if you have to remember to sign up each time and
keep track of the
spending limits).
You get 1.5 points per dollar
spent in any
category, and no limitation on that rate, this card is a great option if you would prefer not to invest any additional time in
keeping track of what you buy and when you buy it, as you do with cards like Chase Freedom ®.
If students manage to
keep track, and have at least 6.25 %
of their total annual
spending fall into these
categories, we calculate that they will come out ahead compared to the Journey ® Student Rewards from Capital One ®.
If you have a system for
keeping track of what you
spend in each budget
category, make sure to include your credit card
spending.
That's less than the 5 % cash back the Chase Freedom ® card pays but it's appealing if you don't want to
keep track of rotating
categories, or the
categories don't tend to favor your typical
spending.
While there are several different kinds
of budgets, pretty much all
of them require you to
keep track of your
spending in all important
categories, including food, dining out, miscellaneous, entertainment, and regular bills.
You don't have to
keep track of bonus - earning
categories for
spending and your miles are always worth 1 cent each toward travel purchases.
Counterpoint: If you are not organized, can not
keep track of changing
categories, or your
spending is varied (e.g., you spread it between gas, groceries, shopping, dining out), then consider Chase Freedom Unlimited instead.
If you're looking for ample cash back but don't want to
keep track of rotating
spending categories or bonus purchases, this card can be a good option.
You're willing to do some extra work in registering for bonus
categories and
keeping track of bonus
spending.
Then when you
spend money, you assign it to a
spending category, and the software
keeps track of your
category balances.
Prosper Daily, formerly known as BillGuard, allows you to optimize your personal finances by
tracking your credit score, showing all
of your account information in one place, and
keeping track of your
spending by
category to promote smarter budgeting.
If you don't want to
keep track of rotating
categories, the Discover it ® Miles is the clear winner since it offers 1.5 Miles for every dollar you
spend during the first year and Discover will match that amount after 12 months.
If you're looking for ample cash back but don't want to
keep track of rotating
spending categories or bonus purchases, this card can be a good option.
You don't have to
keep track of bonus - earning
categories for
spending and your miles are always worth 1 cent each toward travel purchases.
If you
spend a sufficient amount in the card's bonus
categories, you can earn a large amount
of cash back without the hassle
of enrolling and
keeping track of rotating
categories.
On the other hand, you may opt for convenience: a single card that you can use for all
of your
spending without having to
keep track of bonus
categories.
Keeping track of all the bonus rewards in
spending categories on your various cards requires a bit
of maintenance — both in remembering which
category bonuses are offered on each card and in figuring out which card to use to earn the most points on a particular purchase.
Counterpoint: If you are not organized, can not
keep track of changing
categories, or your
spending is varied (e.g., you spread it between gas, groceries, shopping, dining out), then consider Chase Freedom Unlimited instead.
Capital One offers a good line up
of business cashback cards that earn a fixed reward rate on every dollar
spent without the need to
keep track of special
categories or promotions.
You're not stuck
keeping track of bonus
categories, and you have control
of how many miles you earn based on what you
spend.
So not only do you need to remember yet another temporary bonus
category, but this one has a cap on it, so you've got to
keep track of exactly how much you've already
spent in the
category lest you go over and end up with the dreaded 1x multiplier, which is also known as the «I completely wasted that
spend I'm so stupid» multiplier.
Cardholders who don't want to
keep track of bonus
categories or who don't
spend an exceptional amount in any
category should appreciate this steady bonus.
That's a nice perk for cardholders who don't want to
keep track of their
spending or who don't
spend a lot
of money on preset
categories, such as gas or travel.
You can earn a large amount
of cash back with this card on your everyday
spending, with no rotating
categories to enroll in or
keep track of.
Not only do you have to
keep track of the quarterly
spending categories; if you hope to maximize value, you must also activate the bonus
spending every three months.
There are no
category bonuses or quarterly activations to
keep track of, just 2 % back on all your
spending.
With that, there are no
categories to
keep track of, and no need to optimize your
spending.
Even better, you'll earn 2X miles for every dollar you
spend on the card — and that's with no exclusions or rotating
category bonuses to
keep track of.
Plus, with the Capital One ® Venture ® Rewards Credit Card, you earn two miles per $ 1
spent on all your purchases, making this an excellent card for people who don't want to worry about earning more rewards for purchases in certain
categories or
keeping track of a
spending cap.
If you can
keep track of these bonus
categories, and manage to fit at least 6.25 %
of your total
spending into them, the Discover it ® for Students outperforms the Journey ® Student Rewards from Capital One ® rewards-wise.
If students manage to
keep track, and have at least 6.25 %
of their total annual
spending fall into these
categories, we calculate that they will come out ahead compared to the Journey ® Student Rewards from Capital One ®.
Without bonus
categories to
keep track of, you can earn a flat 1.5 % back on every dollar you
spend.
Rewards: Earn an unlimited one reward point for every $ 1
spent on purchases with no caps or
categories to
keep track of.
This card is designed for people who don't want to
keep track of rotating
categories, but do
spend disproportionately at supermarkets and gas stations.
The proof
of that future loss is sometimes a difficult task and usually involves medical assessment and / or actuarial assessment); d. past care cost (if you have
spend money for your medical care that was made medically necessary owing to ICBC motor vehicle accident injury then you can expect to collect a sum
of money equivalent to those reasonable treatment and medication costs please ensure that you
keep the receipts and seek prior medical approval to eventually prove this loss); e. future care costs (if you will suffer repeated medical expenses in the future owing to your motor vehicle accident ICBC injury claim then you can collect a sum
of money equivalent to that future loss); f. out
of pocket expenses or «special damages» (if you suffer out
of pocket expenses like for travel to / from medical appointments, cab fare, parking, etc, then this is also recoverable by you but again —
keep track of these expenses in a log and
keep a receipt book for later proof
of this loss); g. legal costs (sum
of the legal costs associated with advancing your injury claim are recoverable as the court system recognizes that often legal experts, lawyers and their agents are a necessary part
of the process); h. other
categories of damages: not discussed here are other
categories of damages like «in trust claims» made largely for those who relatives who take care
of you while you are recovering from your injuries or things like «loss
of ability to enter an economically interdependent relationship» which might be awarded to a seriously disfigured potential spouse for his / her unlikely ability to become married in the future.
Apps help you
keep easy
track of your
spending by automatically breaking out your expenses in logical
categories so you can search how much you've
spent on eating out, or shopping or travel in any given period.
Then
keep a journal to
track how much you
spend in each
of those
categories.
Keep track of all your receipts and add up the money you
spend in various
categories.
Keeping track of your expenses also allows you to see how much you're
spending on various child - related
categories.