Credit Cards - Budgeting Catergories VS Fixed Amount

Hello YNABers!

I would like some thoughts/suggestions on how to handle the following:

I have a set amount that is charged to my CCs every month. I spread this out to maximize on reward points. I currently have it setup that I’m budgeting for every category that would get it charged to the card. But because it’s a set amount I know will be charged, would it be best to just budget to the card payment itself? 
I don’t really need to see each category for each card. 
Thanks in advance 

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  • No. Budget to your categories and spend from your categories. The method of payment is not relevant.

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      • LEMie
      • Khaki_Thunder.11
      • 2 wk ago
      • Reported - view

      Totally missed the fact that YNAB actually moves the money to go towards the payment as I spend from the category 

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