I use a combination of Mint + a single credit card which gives me a fair money back (with one card for me and one for my partner), has no foreign fees and has a

I use a combination of Mint + a single credit card which gives me a fair money back (with one card for me and one for my partner), has no foreign fees and has an app that provides instant notifications of all charges. I put as much as possible on auto-pay, and also make frequent CC payments to maintain a healthy balance level on my CC. While I could increase returns by managing multiple credit cards with different payoffs and promotions, transferring balances, etc. I don't feel the additional money is worth the headache. The same for not using autopay, mailing checks, whatever, takes too much time and headaches. This way, all my purchases get notified on my mobile, and I can track all of them (and get reasonably good automatica categorization) on Mint (as well as some basic budgeting), without a lot of complexity. Since you can check all the expenses on mint, you can use tags on them to remember which ones are recurring and on autopay on your cc, and change them easily.