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I am currently in the USA. I use my Discover for fuel and online shopping(besides Amazon) because i get 5% back. I use my Amex at Costco cause they don't take anything else, i get 2% back in a yearly voucher for Costco only and 1% cash back for use anywhere else for a total of 3% cash back. Finally i use my Amazon visa for Amazon which nets me 3-6% cash back and i use it wherever the other two are not accepted. Also i use my Corporate Amex anytime i travel on business or go out on the company's dime.