What's (💳) In My Wallet?

in

So.. Another Points & Miles Guy?

Updated: August 2022

You can say I’ve been a fan of loyalty points and miles for a big part of my adult life. That’s not saying much given that only spans 7 years. However, the real journey began 4 years ago during my senior year of college. Armed with a fresh social security number (if you’re an international student, you know it doesn’t come easy) and the internet, I set out to discover how the American points and miles world tied into the world of credit cards - all while looking to maintain a healthy credit score.

Fast-forward to now, 2 jobs and 2 degrees later, and I’m still discovering. I’m taking in all the internet has to offer while charting my own path with these tools - both for myself and for my family back home. Excited to see where it takes me (literally!)

If you’re on here and you’re curious about how I justify the annual fees on the cards below or how I keep track of my cards or even how I find the time to play the game, feel free to send over a message. More than happy to talk through 😬

 What’s In My (Main) Wallet?

For all my love of cards, I’m a stickler for minimal wallets. You’ll find me with card-holders, slim bi-folds, and the occasional wallet off Kickstarter or Indiegogo. However, what keeps me organized is Tumi’s zipped wallet that hosts everything in one place.

  • American Express (Rose) Gold Card: Food, Groceries 👌👌👌👌👌

  • American Express Platinum Card: Travel, Lounges, Emergencies 👌👌👌👌

  • American Express Everyday Card: Daily / Non-Bonus Purchases 👌👌👌

  • Chase Sapphire Reserve: Travel 👌👌👌👌

  • Citibank ThankYou Premier Card: This one’s getting better and better 👌👌👌👌

  • Charles Schwab Visa Debit Card: Fee-free ATM Withdrawals 👌👌👌👌👌

What’s Else Do I Have?

Of course, it doesn’t stop there. Here’s what else I’m packing in my larger wallet.

  • American Express Green Card (👌👌👌) - The OG Amex

  • American Express Delta Gold Card (👌👌) - I like checking my bags in

  • American Express Delta Blue Card (👌👌) - Product change, no harm in keeping

  • American Express Hilton Honors Aspire Card (👌👌👌👌) - Free nights, Diamond status, Property credits, and a wild earning rate

  • American Express Marriott Bonvoy Card (👌👌👌👌) - Free nights and transferable currency

  • Apple Card (👌👌) - Design + Apply Pay

  • Barclays AAdvantage Aviator Red Card (👌👌👌) - As I said, checked bags

  • Bank of America Alaska Airlines Card (👌👌) - And more checked bags + Companion certificate

  • Bilt Mastercard (👌👌👌👌) - Rental payments, Aadvantage transfers, no annual fee.

  • Citibank American Airlines Platinum Select Card (👌👌👌) - Okay, too many checked bags, I know

  • Chase Amazon Prime Visa Signature Card (👌👌👌👌) - Amazon’s my go-to for the internet

  • Chase Freedom Card (👌👌👌) - Select 5x points? Yes, yes, please

  • Chase Freedom Flex Card (👌👌👌👌) - 5x travel, 3x dining, and no annual fee? Can I have more than 1?

  • Chase Freedom Unlimited Card (👌👌👌) - 1.5x points*? Yes, please.

  • Discover It Card (👌👌👌👌) - More 5x? I’ll take it. Also, my FIRST ever credit card.

  • Target Store Debit Card (👌👌) - I lived near a Target; you understand

  • Mashreq Solitaire Visa Infinite (👌) - Thanks, Dad

  • FoundersCard (👌👌) - If you know, you know*

What Do I Want?

  • CapitalOne Venture X

  • Chase World of Hyatt Card

  • Chase IHG Rewards Club Premier Credit Card

.. and more.

- P