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 American Express Delta Reserve credit card currently has a historic high offer of 40k Delta SkyMiles + 10k MQMs.
American Express is offering a handful of benefits to cardmembers attending Coachella this year. It's one of their many initiatives to capture the millennial market by coming up with creative ways to enhance events.
The Discover It 5% cash back category for Q2 (April-June) 2018 is grocery stores. As a reminder, you need to activate the 5% promo to receive the cashback bonus. Earn up to 5% on up to $1,500 in combined category purchases when you activate.
In some of my past posts about building credit, some readers have mentioned that credit cards are not the only way to build credit. There are other ways to build credit, for example, student loans, mortgage payments, and auto loans, but credit cards are one of the more accessible routes.
Southwest California Millions Sweepstakes, Amazon is launching a co-branded credit card, and Delta is having a a award sale.
Iberia Airlines just announced a partnership with JPMorgan Chase and released the new Chase Iberia Plus credit card.
The Amex Gold Delta SkyMiles card currently has an increased offer of 60,000 miles. Earn 50,000 miles when you spend $2,000 within the first three months, and an earn an additional 10,000 miles after spending an additional $1,000 within the first six months. You'll also receive a $50 statement credit for a Delta purchase.
The cards in my wallet rotate each month depending on if I get approved for a new credit card, or if I'm trying to maximize a 5x category. This month, I added the new Amex Hilton Aspire card.
The Amex Platinum Delta card currently has a historic high offer of 70k bonus points. The offer ends on March 28, 2018.
The Chase Freedom 5x categories for Q2 2018 are grocery stores, PayPal, and Chase Pay.