...constantly searching to find the best travel deals and places to visit. A never-ending quest for adventure!

Sunday, January 6, 2019

The Cards in my Wallet right now

I'm often asked about how many credit cards I have since I play the points and miles game regularly.  I often look for the best bonuses and options for regular spend along with what extra perks match my travel habits/plans - this is the best way to use the cards without getting yourself into debt trouble.  Pay off each one every month!

Having cards open actually does help your credit score provided you don't keep running balances.  30% of your credit score is utilization and 35% is your payment history.

Cards in my Wallet

Chase Sapphire Reserve - one of the best earning cards with 3x points for travel and 3x for dining

Chase Freedom - Quarterly bonus categories give 5x points and pairs with Sapphire

Chase World of Hyatt - 4x Hyatt points per stay make this one of the best for hotel stays

Chase IHG Rewards Club Select (no longer available) - Platinum Elite status plus free night every cardmember year

Chase United Mileage Plus Select (no longer available) - 3x miles on United purchases plus EQM, 2x gas/grocery/dining + Star Alliance purchases

Chase Biz Plus (no longer available) - 5x points at office supply and phone, 2x on gas station and hotel

Chase Biz Cash - 5x points at office supply and phone, 2x points on gas stations and restaurants

Citibank Premier - 3x points on travel including gas stations; 2x on dining/entertainment

Citibank AA Biz Platinum - 2x AA miles on purchases plus free checked bag and priority boarding; 2x on gas stations

Citibank AA Mileup - 2x AA miles on flights plus 2x miles for grocery purchases

American Express Hilton card - 7x Hilton points on stays, 5x points restaurant/gas/grocery, 3x all other purchases

American Express Gold Delta card - 2x miles on Delta purchases, $50 statement credit

Discover It card - 5x points/cash on quarterly bonus categories, link to Amazon.com purchases

Bank of American Alaska Airlines card - 3x miles on Alaska purchases, $99 companion fare

I keep a spreadsheet for all of these cards with sign-up dates, times, cancellations, and annual fee notes.  This helps me know where I stand each year and how keeping or cancelling a card might affect my overall portfolio.  In general I'm always evaluating based on what deals may be present; there is always a new app for points!

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