The cards in my wallet change every month because I try to maximize category spend or meet minimum spend for a new card. "What's in my wallet?" is a series that explains the logic behind the cards in my wallet each month.
In the past, a lot of subscribers have asked what my thoughts are on Bellroy wallets. Bellroy kindly sent me the Note Sleeve with RFID Protection to review. I'm going to test the wallet and post a full review at the end of the month.
First Republic Bank Debit Card
My debit card this month is from First Republic Bank. I'm visiting Las Vegas, so it's good to have a debit card that refunds ATM fees.
I have two Discover It cards, and I'm using the one that's in the first year to max out the Q3 restaurants category to get 10% back with Cashback Match.
Use our referral link for the Discover It to get a $50 statement credit after your first purchase within the first 3 months: http://bit.ly/asksebby-discoverit2
I'm almost finished with the Discover 5% cash back category for restaurants, so the Chase Freedom is there as a reminder to swap the cards out.
American Express Platinum Card
I recently canceled my American Express Business Platinum card and replaced it with a personal Amex Platinum card. In Year 1, Amex is paying you to have the (personal) Platinum card.
I'm a frequent Uber rider, so I benefit from the $200 annual Uber credit, which the Business Platinum doesn't offer.
This month, I'm not carrying the Chase Sapphire Reserve in my wallet because I earn more with the Chase Freedom and Discover It on dining in Q3.
What's in your wallet for the month of August?
The best Amazon Prime day deals 2018.
Marriott and SPG will roll out their merged program and rewards starting on August 1, 2018. If you have SPG Starpoints, they'll be converted to Marriott Rewards at a 1:3 ratio. We'll cover the optimal strategy on how to use Starpoints if you have a redemption in mind.
Ask Sebby covers a wide range of topics from credit 101 to advance optimization strategies, but the mistake I often see is beginners trying to implement advance level strategies when they have a thin credit file.
American Express has a handful of underrated perks that don't get the attention they deserve. The great thing about these "secret" perks is that you can have any core American Express or co-branded card to take advantage of them.
The cards in my wallet rotate each month depending on if I received a new card to meet minimum spend requirements, a retention offer, or trying to optimize for a 5% cash back category.
Roundup of reminders for Q3: Plenti program ending, Marriott vacation packages to be replaced on August 1, and remember to activate cash back quarters.
A list of signup bonuses that have increased or available for a limited time. The Marriott Rewards card has a 100k offer until 7/12/2018, Barclays Arrival Plus is back with a 60k offer, and the Capital One Venture card adds a $100 Global Entry/TSA Precheck credit.
A cash advance is when you withdraw cash from your credit card, typically using an ATM or bank transaction. The limit to how much cash you can withdraw from the credit card is a cash advance limit.
The Citi ThankYou Premier card is comparable to the Chase Sapphire Preferred since it earns points on travel and dining. The Citi ThankYou Premier card has a 50,000 point signup bonus after you spend $4,000 within the first three months of account opening.
American Express Platinum card recently added a new benefit to give all cardmembers a $100 statement credit to Saks Fifth Avenue, issued in $50 increments every six months. Here’s how to activate the Amex Platinum $100 Saks credit.