As a credit card churner, I spend a lot of timing thinking about which credit cards to get for their sign-up bonuses. However, I don’t put too much thought into which credit card to use for day-to-day purchases. I spend maybe $10,000-$15,000 dollars a year, and don’t manufacture spend too often anymore. Therefore, it has always seemed a little trivial which credit card to use for everyday purchases. For foreign purchases, I use the Chase Amazon Visa (no foreign exchange fees), and I usually use the AMEX SPG credit card for day-to-day purchases, or the MBNA Alaska credit card for places that don’t take AMEX. I’ve rethought how I should manage my credit portfolio…

American Express offers a very generous referral program that gives you up to 15,000 Membership Rewards points for referring friends and family to the AMEX Gold, Platinum, and Business cards. This program was never capped, and you could theoretically earn millions of points by referring others.