Travel Related

What’s in My Wallet? October 2019 Edition

Google+ Pinterest LinkedIn Tumblr
Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


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.

The Chase is On!

Chase Sapphire Reserve

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.

A Chase Sapphire Reserve Visa Signature credit card held by a cardholder.

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.

Read more now and learn how to apply for the Chase Sapphire Reserve and other travel rewards credit cards.

 

Chase Ink Business Unlimited

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.

A Chase Ink Business Unlimited credit card held by a cardholder.

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.

Read more now and learn how to apply for the Chase Ink Business Unlimited card or other small business credit cards.

 

Amex Cards

American Express Gold Card

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!).

Dining and supermarket purchases credit as 4X with the American Express Gold card!

Where I Use This Card: For dining and supermarket purchases!

We order GrubHub a lot when friends are over to watch sports — and love the Gold Card’s food credit.

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!

Read more now and learn how to apply for the American Express Gold Card and other travel rewards credit cards.

 

Business Platinum Card from American Express

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.

Plus, my Business Platinum Card from American Express was been targeted for a bunch of good Amex Offers lately (including the Delta promotion, a Staples deal, and more).

Finally, I have several trips coming up and will need it for Centurion Lounge access.

I love, love, love my Business Platinum Card from American Express OPEN charge card/

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.

Plus, it gets two guests and me into Amex Centurion Lounges. I’ll be in Vegas, and Dallas for work trips and love bringing colleagues into lounges.

Read more now and learn how to apply for the Business Platinum Card from American Express or other small business credit cards.

 

Delta Reserve for Business Credit Card

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.

MQM bonuses, 20% off Delta onboard purchases, and a companion certificate are some of the reasons I love my Delta Amex Business Reserve card.

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!

Read more now and learn how to apply for the Deta Reserve Business Amex or other small business credit cards.

Looking Ahead

What will my wallet look like in November?

I’ll probably carry my Chase IHG Rewards Club credit card, as I have a few stays IHG stays next month. There’s also a big 125,000 point offer expiring this week.

My mouth is watering for the no annual fee Chase Freedom card quarterly 5X bonuses. That’ll have to wait for mid-December, as I generally wait the recommended 91 days between card applications.

–Chris

Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

6 Comments

  1. Sorry, but I don’t get the lovefest for the Business Platinum card. If you have the CSR you get 1.5 cents per point, and as of next year your Delta Reserve card will include Centurion Lounge access. I get the Amex Gold, but just use it to get points to transfer to airline partners. The Bus Plat is ridiculously expensive and makes it challenging to use the available credits. I had it for a while, but when the annual fee went up and now you can’t get gift cards with the travel credit.. bye bye!

  2. I thought there was no cap on restaurants? only grocery stores for the AMEX GOLD

  3. Hi Rene,

    I, too, have the Delta Biz Reserve card, but I messed up and fell short of my sign-up bonus so didn’t get the 70K miles almost a year ago :(((( Bad, bad.
    Would you recommend cancelling it and applying for the regular Delta Reserve now? I’m not putting much spend on it, but I like having it to put me to the head of the Medallion line. (Currently Platinum, next flight will put me at Diamond.)
    Thank you!!
    🙂 Renee

  4. @Renee – Hi Renee, René here, Chris wrote this post. Having said that OUCH on the spend last year. If you have never had the personal Reserve card go for it during this sweet promo. But wait to cancel the old biz card until the fee bills (you have 30 days to get it back) as once that happens the yearly BOGO will post to your Delta account. It will NOT go away no matter what the phone reps tell you – you will have 1 year to fly it.

Write A Comment

BoardingArea