When my bank decided to give me both a MasterCard and a Visa, I dedicated the MC to the recurring payments thing - and I don't use it for anything else. (In fact - now that I think of it, there's no reason for me to even carry it in my wallet. I should stash it with my blank checks.) The Visa card that I use for purchases in person and online has had to be replaced once or twice, but because all the recurring stuff is on a different card - much less hassle. If you can set up something like that, it's worth considering.