I'm new the world of CC bouns and points, however, in 2013, I plan on using one CC a month for allof my business travels expensse, so if I use Card A, everything will ONLY be for work, this way I'll be able to meet all of the min spends and have more, I may not be "maximizing" my points this way but it is a simple way of keeping track of the spends. I'll be averaging 10K a month on cards for work only, this will include, travel, cars, hotels, food and whatever else I needed. Now granted, in Feb, I'll be using the BA card and will be using it for two months to get the total spend on it.