People often ask me which travel and cash back credit cards I personally use. Because I frequently add new cards to my arsenal, my wallet generally looks a little different from month to month.
Below is a list of cards taking up residence in my wallet — at least for October. We’ll also discuss why I have them and how I use each card.
- Chase Sapphire Reserve
- American Express Gold Card
- Delta Reserve for Business Credit Card
- Business Platinum Card from American Express OPEN
- Chase Ink Business Unlimted Business Card
The Chase is On!
I finally fell below 5/24! To celebrate my new-found eligibility, I applied for the Chase Sapphire Reserve.
Chase took a few (long, agonizing) days to finally approve me. But they came through!
Why I Have This Card: Ultimate Rewards are great for many redemptions. I especially like that, as a Chase Sapphire Reserve cardholder, I can redeem URs for 1.5 cents each for travel through the Ultimate Rewards portal. Also, UR points transfer to Marriott, Hyatt, and IHG — so I’ll always have a good stash of points for hotel rooms.
Plus, the Chase Sapphire Reserve‘s Priority Pass Select is more valuable than the benefit included with the Platinum Card from American Express and Business Platinum Card from American Express OPEN because it still offers dining credit at select airport restaurants.
Where I Use This Card: The Chase Sapphire Reserve‘s annual $300 travel has come in very handy for parking lot and rideshare expenses — both of which credited back. This is now my go-to card for those purchases.
I also use it when paying tuition at my daughter’s preschool, which accepts Visa cards!
If the $450 annual fee is a bit difficult to swallow, consider the Chase Sapphire Preferred card (which is in my wife’s wallet! 🙂 ), which is $95/year and has a nice welcome bonus right now.
Why I Have This Card: Two features attracted me to the Chase Ink Business Unlimited card.
- No annual fee
- A nice welcome bonus: $500 bonus cash back after spending $3000 on purchases within three months of being approved
Each purchase earns 1.5% cashback.
Where I Use This Card: Purchases that don’t usually receive bonuses on other cards. It’s great for Amazon and many other online transactions that normally receive just a point each. Given the no annual fee, it’s great to hold and use whenever needed.
Why I Have This Card: The American Express Gold Card has fantastic Membership Rewards bonus categories:
- 4X at restaurants worldwide
- 4X at US supermarkets (up to $25,000 in annual purchases)
Plus, the monthly food credit at select restaurants and food delivery services comes in very handy (especially on football Sundays!).
Where I Use This Card: For dining and supermarket purchases!
7-11 stores codes as 4X, so that comes in helpful when buying coffee or other snacks, swapping out propane tanks at select stores, etc.
Our family’s pharmacy is located inside our neighborhood’s supermarket, so those purchases earn 4X as well. On that note, consider getting your flu shot at a pharmacy inside a supermarket if you have the American Express Gold Card. May as well get 4X points while getting immunized!
Why I Have This Card: It’s no secret I’m a fan of the Business Platinum Card from American Express. I love, love, love the 35% Membership Rewards rebate when purchasing flights through the Amex Travel portal and using the “Pay with Points” option. The points rebate and SkyMiles I earn on those trips pretty much cover the $595 annual fee.
Finally, I have several trips coming up and will need it for Centurion Lounge access.
Where I Use This Card: I never leave home without an American Express Platinum card :-). As I mentioned, it’s received a bunch of Amex Offers, so I take advantage of them when finding myself near a participating merchant.
Why I Have This Card: I love the MQM bonuses I receive after spending $30,000 and $60,000 annually (soon to be extended to $90,000 and $120,000). Plus, the 20% discount on when purchasing food or adult beverages (when flying coach) on Delta is a nice perk. The BOGO/companion certificate has saved my wife and me a chunk of money on flights.
Where I Use This Card: I have a couple dozen flights coming up before 2020. Several are booked in Main Cabin, where I’ll use the card to buy Flight Fuel and maybe a Woodford Reserve.
Don’t forget to take advantage of the big welcome bonus offers for this and other Delta Amexes — before annual fees increase!
What will my wallet look like in November?
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