Looks like Ted (and others) may be looking for a new credit card. Clark Howard recommended the website creditcardtuneup.com where you can plug in your spending patterns, and the site will point you in the direction of the best rewards program for you. Kathy and I have always used Discover as our primary card because it pays you back in cash. But after running through the site, I found that Discover ranked far below other options. For us, the American Express Blue ranked at the top. I think this is because we spend so much on groceries and at department stores. It also pays cash back. (I’m not interested in trying to figure out how to maximize sky miles, gift cards, etc. Too complicated. Cash please.)
I signed up on the spot, and now Kathy and my primary card is American Express Blue. It has a smart chip in it, but no one makes use of that (yet.) After two decades with Discover our balances suddenly went to near zero.