yep.this is what i do.about the only thing that goes on my card is fuel.and an occasional hardware store item.i swear we have 10 different credit cards but my discover is the only one that gets used.as for the credit score when we refi'ed this yr they gave us the credit score with numbers but you need to search on line there are places you can get them for free 1 time.and they don't need a credit card like "freecreditreport.com"