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I have two cards: One is the Motley Fool/MBNA 1% cash back card with a rate of 7.9%. The other is Direct Merchant's with a 90 day same-as-cash. I think the rate on that one is %14. Not sure, since I always pay off within the 90 days.

Currently I put my day-to-day expenses on the cash back card and pay off monthly. I put big ticket items (travel, furniture, etc) on the 90 day card. Obviously, that one gets used much less.

Question: should I instead put the expenses on the 90 day card and get the use of the "free" money? Or stick with getting my 1%? Or is it a wash?

BTW, I pay off my balances from my checking account, which doesn't pay any interest.

Thanks in advance for your replies!

Shock
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