What Cards Are In My Wallet
Often, miles and points fanatics love to share the cards they have been carrying in their wallet. I enjoy seeing others current cards and strategies, as do many of you. Sometimes it gives me a new idea or what our wallets might look like at different points in the hobby (no pun intended there). We are all at different levels and have different spending so do not ever get caught up on how someone else can meet more minimum spends or get more cards. Simply go at your own pace and do what works for you.
My Personal Situation
In case it helps some I figured I would deep dive what is in my wallet currently. As someone who is over 5/24 and well over ten years in the hobby. Have no fear, even this long in the tooth there are always more cards, welcome offers, spending offers and ways to maximize spend. Not only do I have my personal spending, but I have two businesses I do on the side. That is in addition to my normal full time day job, which helps. I also routinely rotate cards out at times, and am known to travel with multiple cards in case I can take advantage of offers while traveling (I see Mark rolling his eyes now).
American Express Business Platinum (NLL)
Offer: 150,000 with $20,000 in spend.
Thoughts: Took a long time for me to get another one of these No Lifetime Language offers so I grabbed it. Moving slower than I want on it, but I will get there.
My Plan: 1 year card for me after recently cancelling my last one just a couple months ago. Already used the airline credit (DL) and the welcome offer will probably go right into my Charles Schwab account via cash out.
Hilton Surpass
Offer: Current Card
Thoughts: A great over 5/24 card if you like Hilton Free Night Certificates. The credits on these cards are getting a bit out of hand though.
My Plan: Still in my wallet! I think many know I love these, but with my high spending at times, racking up $15,000 in spending each year is a must for me. I use it as my catch all for groceries (when not maximizing a Freedom) and dining to get the 6x while finishing the required spend. Slowest I have been on this one but I am just about there. Those certificates are even more valuable now. I will combine this with my Hilton Aspire free night certificate.
Virgin Red Mastercard
Offer: 60,000 Virgin points with $4,000 in Spend
Thoughts: The nice thing once you are over 5/24 is you can grab all the unique cards out there. This one definltey has some good uses and not just AMC popcorn Mark!
My Plan: Use the points for some Delta flight and replenish my small stash I just used on an inter-Asia business class flight
Other Notable Cards In The Rotation:
It is also worth noting that I have my Freedom Cards and Freedom Flex in my wallet for grocery. They will stay with me for any 5x earning for the quarter. We always say take as many of these as one can get as they are long term keepers. This quarter a bit tougher given some changes for me this year, but I am plugging along and getting some 5x spend in.
Previous Cards
- Ritz (current)
- Discover IT
- American Express Delta Business Gold
- American Express Business Gold
- Bank of America Alaska Card
- Hilton Surpass (Current card)
- Venmo
- MGM Iconic
- World of Hyatt (current card) Finished $15k spend for certificate
- Delta Business Platinum (Upgrade from current Gold) $350 Annual Fee
What Was in Rick's Wallet This Month: ToP Thoughts
I felt like I had a slower year when it comes to grabbing new cards, but I am on a good pace again. I have some cards I am ready to grab, but am working on these for now, we will see what the rest of the year brings, but for now I am starting to plan my end of the year travel. I also grabbed one more right before this was updated, so stay tuned for the next update for that one and maybe more.
Any thoughts on my wallet? Let me know over in our Facebook Group.
