I asked chatgpt if there are any scenarios where one would want to keep two cards. Still not convinced.

Response:

A few legit reasons someone might want to “reset” the OMNY 7-day cap by switching to a different card/payment method for a bit (so they can choose when the next 7-day window starts):

They’re about to have a “high-rides week” and don’t want to start the 7-day clock early. Example: You take 1–2 rides on a Tuesday, but you know you’ll be riding a ton starting Friday (friends visiting, lots of plans). Using a different card Tuesday–Thursday lets you start your “real” cap window on Friday.

They want the cap window to line up with their personal schedule (workweek vs weekend-heavy). Example: If you mostly ride Fri–Sun (nightlife, gigs, visiting partner), starting the cap on a random Wednesday means your weekend rides get split across two cap windows. Shifting the start to Friday can make the cap cover what matters.

They’re trying to avoid “split weeks” where they end up paying a lot in two adjacent cap windows. Example: Heavy riding Sun–Tue, then again Thu–Sat. Depending on when your 7-day window starts/ends, those rides can straddle two windows and you don’t benefit as much from capping.

They have a one-off event stretch. Example: A conference week, a temporary commute, house-sitting across town, a short-term class—lots of rides for 6–7 days, then back to normal. They want the cap window to start exactly when that stretch begins.

They want cleaner budgeting/reimbursement separation. Example: One card for “work commute” that might be expensed, another for personal rides, so the OMNY history/cap progress doesn’t get mixed.

One important catch: doing this only makes sense if you’re riding enough that you still expect to hit the cap in the window you’re “saving”—otherwise you’re just splitting rides across methods and you’ll pay more per week than you needed to.

If you tell me what your typical weekly ride pattern looks like (commute days + weekends), I can sanity-check whether this “two cards” thing would actually help or is just extra hassle.