Which card do I use?
A fictional Carter-household routing guide. Joint purchases use the household card; personal purchases use the matching personal card.
Bluebonnet Rewards Card
Household purchases
Groceries, dining, child expenses, and shared subscriptions.
Cedar Cash Card
Personal purchases
A personal allowance card for Daniel or Maya's own spending.
Joint checking
Bills and transfers
Rent, utilities, insurance, loan payments, and card payments.
Start with one question
Is the purchase for the household or for one person?
Household groceries, shared meals, childcare, healthcare, and home supplies belong on the Bluebonnet Rewards Card. Personal clothing, hobbies, and individual treats belong on the purchaser's personal card. Rent, utilities, and other scheduled bills stay in the joint checking flow.
Demo decision table
| Purchase | Route | Reason |
|---|---|---|
| Shared groceries | Bluebonnet Rewards Card | Household expense. |
| Daniel's hobby purchase | Daniel personal card | Individual allowance. |
| Maya's personal subscription | Maya personal card | Individual allowance. |
| Rent or loan payment | Joint checking | Scheduled household bill. |
This page is fictional guidance for the demo and does not describe real card benefits or coverage.