This is exactly what my wife and I do, we both have our primary spending cards (her Discover It, my Capital One QuickSilver) that get used for everyday purchase

This is exactly what my wife and I do, we both have our primary spending cards (her Discover It, my Capital One QuickSilver) that get used for everyday purchases - but I've also got a very basic Wells Fargo Platinum card that gets used for recurring payments (car insurance, unlimited car wash pass, internet bill, utility bill, etc). We don't touch the debit card attached to our checking account unless there's no choice, however - which is usually just WinCo when we can't get what we want (or get what we want for a reasonable price) at Fred Meyer or Albertson's. All of our credit cards have $0 liability, and worst case if someone skims them and maxes our limits we have to temporarily switch to a backup card while the charges are reversed and a new card is mailed - someone draining my checking account leaves me with the inability to pay rent, electricity and gas and Wells Fargo is happy to drag their ass on reversing unauthorized debit card payments.