Each member of the ToP team has different spending habits and travel goals. Here is a look inside our wallets. We explain how we use each card and why we value it. Limited time offers and promotions can affect which cards make it into our wallets, as we explain below.

Brian

1. Chase Ink Business Cash: This is the newest card in my wallet, so I'm working on meeting the minimum spend. I am trying to meet as much of the spend as I can at office supply stores to earn 5x on top of the sign-up bonus.
2. Chase World of Hyatt Business: This has been one of my cards for everyday spend because it earns 5 elite qualifying nights with Hyatt for every $10,000 in spend. This card sees a lot of spend when I'm in between new cards.
3. Citi/AAdvantage Platinum Select World Elite Mastercard: I have been alternating between this card and my Hyatt Business card for everyday spend. I am working towards American Airlines elite status because they have the most convenient routes for my work travel and a lot of my personal travel.
4. Chase Sapphire Preferred: I use this card for all my online grocery shopping to earn 3x. I also use it to charge at least a portion of any travel bookings to take advantage of the card's travel protection benefits.
5. Citi AT&T Access More: This card earns 3x Citi ThankYou Points on online shopping, but is no longer open for new applicants.

Derrick

1. Chase Sapphire Preferred: I recently opened a CSP and am working on meeting the minimum spend for this card. I also use it to book at least part of my travel so my trips can qualify for the travel protection benefits.
2. Citi Premier: I keep this card for 3x at gas stations and to pair with the Citi Double Cash card. While we rarely pay for fuel for our vehicles by taking advantage of gas savings programs at grocery stores, we use this card to buy all our aviation fuel.
3. American Express Gold: I use this card for all my purchases at U.S. supermarkets (4x Membership Rewards) (on up to $25,000 per year) and at U.S. restaurants (4x). The supermarket spend helps offset all fuel costs, as we aggressively earn fuel points during supermarket promotions. Earning 4x Membership Rewards and free fuel is an amazing combo.
4. Citi Double Cash: This is my everyday spend card when not working towards minimum spend. 2x ThankYou Points on all purchases with no annual cap and no annual fee.
5. American Express Blue Business Plus: I am an authorized user on Sarah's account and alternate this card with the Citi Double Cash card for 2x on all purchases until we reach the $50,000 annual cap on earning 2x with the BBP.

Rick

1. Chase Freedom Unlimited: This has been my everyday spend card lately, since I'm focusing on earning Ultimate Rewards right now. I already reached the $50,000 annual cap for earning 2x on my Amex Blue Business Plus.
2. Chase Ink Business Cash: I use this card for 5x at office supply stores. I keep this card in my wallet (even while on vacation) until I hit the annual $25,000 cap for 5x at office supply stores.
3. Chase Sapphire Preferred: This is my go-to card for booking travel. This allows me to benefit from the card's excellent travel protection benefits.
4. American Express Gold: I use this card to earn 4x on all my purchases at U.S. restaurants. I also have a +5 MR per dollar referral bonus, so I'm earning 9x at U.S. restaurants with this card right now.
5. Chase World of Hyatt: I keep this card in my wallet for Hyatt stays and to spend towards Globalist status.
6. Delta SkyMiles Reserve American Express Business Card: As with my World of Hyatt card, I put spend on this card throughout the year to help me keep Delta status.

Sarah

1. American Express Business Platinum: I recently opened a new Business Platinum card, so I'm working on meeting the minimum spend for this new card.
2. American Express Business Gold: I use this card to earn 4x on U.S. purchases at gas stations and U.S. restaurants.
3. Chase Sapphire Preferred: This is my card for booking travel and for online grocery shopping. The card earns 3x per dollar for online groceries, and has some of the best travel protection benefits out of any credit card.
4. Chase Freedom Flex: I am working on this quarter's bonus category (Amazon and select streaming services) to earn 5x on up to $1,500 spent at grocery stores.
5. Chase World of Hyatt: I use this card to book all of my Hyatt stays when I'm not redeeming points for those stays.

Shira

1. Citi Premier: I opened this card last year with the all-time high 80,000-point welcome bonus (which is now back) and this card has stayed in my wallet ever since. This card earns 3x on supermarkets, gas, dining, hotels and air travel with no annual cap.
2. American Express Platinum:  I received a retention offer for this card where I can earn 20,000 MRs after spending $3,000 in three months.
3. Marriott Bonvoy Business® American Express® Card: I received a retention offer for a $200 statement credit after spending $2,000 in six months. This statement credit more than covers the card's annual fee.
4. American Express (Rose) Gold: This is my go-to card for purchases at U.S. supermarkets (up to $25,000 per year) and U.S. restaurants, where I can earn 4x.
5. Chase Ink Business Cash: I keep this card in my wallet for whenever Staples has sales for Visa Gift Cards, since this card earns 5x at office supply stores.
6. Chase Sapphire Preferred: I keep this in my wallet for when I need to book travel. I charge at least part of my trip to this card so I can qualify for the card's travel protection benefits.

Final Thoughts

The beauty of traveling on points is that we can each carry different cards for different reasons. Each member of the ToP team reviewed their individual spending habits and travel goals to determine the cards that add maximum value for them. You may notice common trends among the cards that we carry but plenty of differences too.

What are your travel goals, and which cards are in your wallet every day? Share your thoughts below or in the Travel on Point(s) Facebook group.

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