my experience is Florida in general is the same - you have some local vendors that only take check. ok fine. I keep 1 "small order" that lasts at least 8 years. So that's about 18 checks a year at best.

The rest is electronic bill, pay online and I consider that mandatory for anyone including utilities. From that point depending on vendor I either use echeck or card, and a note - NEVER save that information to your online account.

I was thinking same thing I have a 1%all the time then2% then 3% different things like restaurants (your choice) I usually get back about $1,500 a year which I take in $500 chunks and spend foolishly , wait a second , I spend most of my money foolishly

I would also like to know what credit card davem4616 uses to get a 6% reward at grocery stores.

The best I can do with a no-fee, cashback, credit card is 5% at grocery stores, on up to a $500 spend per month. I use my Citi Custom Cash card only for grocery store purchases. It's a good candidate for restaurant use also. Read and understand the rules.

Credit card, pay bill in full to avoid interest charges.

Bingo.