Note - none of these are chip-and-PIN. 1) Every day IRL use 2) Backup 3) Restaurants. This is the only use-case where my card is out of my possession, and I

Note - none of these are chip-and-PIN. 1) Every day IRL use 2) Backup 3) Restaurants. This is the only use-case where my card is out of my possession, and I try to isolate that. 4) MOST on-line purchases (Except for #5 below) 5) Online subscriptions. These are things like DO or AWS or month-to-month Jetbrains or Safari. This makes it easier to visually scan the statement for things that should not be there, or are wrong. (Billing mistakes are not infrequent). 6) Business expenses. This makes either submitting expenses and/or taxes easier, because it's all in one place.