I’m constantly changing the credit cards I carry in my wallet. It typically depends on if I’m trying to meet a minimum spending requirement, earn points for an upcoming trip, or just using a card for my general purchases. Some of my friends and family think I’m crazy for how many cards I have in my wallet. They don’t understand how I can keep track of everything, but it all makes sense in my head!
Here’s a list of current cards in my wallet:
1. American Express Platinum – Typically this is my main card that I charge my general purchases on when I’m not busy trying to meet a minimum spending requirement on a different card. I like the American Express Membership Rewards and the flexibility of airline partners I can transfer my points to. Furthermore, I have a peace of mind knowing that my purchased are covered by the purchase protection along with the extended warranty.
2. American Express Delta Gold – I signed up for this card back in August because of the 50,000 Delta SkyMiles bonus. I planned on keeping the card for the sole purpose of receiving priority boarding and a free checked bag. However, I didn’t realize that the Amex Delta Platinum card card comes with a companion certificate each year you renew the card. For an extra $100 a year that’s worth it to me. Therefore, I’ll be canceling this card next August, but keeping the Delta Platinum card, which is up next.
3. American Express Delta Platinum Business – I signed up for this card because it too was offering a 50,000 Delta SkyMiles bonus along with 15,000 MQMs. I’m trying to earn Silver Medallion status by the end of the year and the only way I am going to be able to do that is the with the help of this card. After I meet the minimum spending requirement I’ll only be putting my Delta purchases on this card. This card will get renewed next September because of the priority boarding, 1st checked bag is free, and the annual companion ticket.
4. American Express Hilton HHonors Surpass – I only stay at Hilton hotels and this card gets me 12x the points when I use it to book my reservation. The only other purchases I put on this card are groceries and gas since I get 6x the points in these two categories.
5. Citi HHonors Reserve – This card offered 2 free nights for the sign-up bonus. Since I’ll be going to Italy next year this will come in handy. My partner has the same card, so that’s 4 free nights we don’t have to pay for. The card also offers 1 free night every year you renew and spend a minimum of $10k. I only charge the minimum to this card and then I sock drawer it until the next year.
6. Barclaycard Arrival Plus – This was my first miles credit card. The sign-up bonus was 40,000 miles after spending only $1,000 in purchases. The annual fee is $89 and I’m not quite sure if I’m going to renew yet. I don’t put a lot of spending on it, but I like the option of earning miles that can be used to erase purchases such as Uber and taxi rides. Once I eventually I take a breather and stop applying for cards, it’d be nice to come back to this card and do some manufactured spending on it to collect miles.
7. Capital One Venture – I applied too soon! The sign-up bonus is now 40,000 miles, but when I applied it was only 20,000 miles! You win some and you lose some. The annual fee on this card is a low $59 and Capital One just increased my credit limit to $20,000! This is my highest credit limit among all my cards so I’ll definitely be keeping this card. Like Barclaycard, I like the flexibility of being able to erase travel purchases. They also let you use your miles to erase partial purchases, which is excellent! Whenever I can’t swipe my Amex cards, I either turn to this or my Barclaycard.
8. Virgin Atlantic by Bank of America – I signed up for this card because of the 75,000 mile offer. Virgin Atlantic is partnered with Delta. This means youre able to use your Virgin miles to book Delta award seats. This card earns 1.5 miles on every purchase. Technically you only need to make $16,666.66 in purchases to book a 25,000 mile Delta award seat versus spending $25,000 on an Amex Delta card. I have yet to call Virgin to see what the availability is like and mileage required, but if I like what I hear then I’ll be renewing this card. Until then, I’ll keep working towards the $12,000 needed in purchases to receive the 75,000 bonus miles.
What’s in your wallet?