Get the free cash back at Costco, AM/PM (costs .45), most grocery stores, and other retailers with similiar free or very cheap cash back policies.
Usually a $40 or $60 limit, but w/ that gas, cup of coffee and weekly trip to CostCo/Grocery Store, I rarely pay ATM fees.
Minus the places that "prefer" cash, I use my CC's exclusively because of the cash back.
1) American Express Costco card at costco
2) Citibank Shell card for gas (when I'm out of the vicinity of a costco with a gas station)
3) Citibank Dividend card for everything else.
Everything that I can pay with a CC without being charged a convenience fee, I charge it. Bills, DMV fees, etc. I put about $5k on my last new car purchase. Too bad I can't charge property tax without convenience charge.
