The vast majority of my monthly spending (with a few notable exceptions like mortgage and electricity bill) goes on a single credit card. That card's website an

The vast majority of my monthly spending (with a few notable exceptions like mortgage and electricity bill) goes on a single credit card. That card's website and app also gives me an overview of my spending and categorizes it. What you say can work in the credit card world. And as the other commenter's reply says, all my credit cards pay me cash back or a points system which is redeemable for things with high cash value. There's a real quantifiable cost to not using them.