The cards in my wallet rotate each month depending on the quarter, if I’m traveling, or if I recently opened a new credit card. For December, I spent half the month overseas so I have two wallet set ups this month.
Platinum Delta SkyMiles Card from Amex
The Platinum Delta card was added to my wallet a few months ago because there was an increased welcome offer and Delta has more frequent Flash Sales.
The best way to get value from Delta points is to wait for a Flash Sale to book the best deal.
If you don’t get positive expected value from the card after the first year, you can request a product change to the no annual fee Blue Delta card.
I’ve been using Plastiq to meet the minimum spend on new cards. Learn more about Plastiq in this post.
Try Plastiq and get $500 in fee-free payments after you spend $500 (referral link): http://bit.ly/asksebbyplastiq
The Citi Prestige is in my wallet for the fourth-night free benefit. Since we stayed at Vana Belle in Koh Samui during the low season, the cash price was better than using points.
The average prices was $300/night, plus fourth night free OR 60,000 Marriott points/night. My plan for the Marriott points is to use them in the Maldives, Bora Bora (again), or Switzerland (skiing!).
To get the fourth-night free benefit, you must reserve and pay using the Citi Prestige. If you swap the payment card, you will not receive the benefit.
I usually keep the Amex Platinum in my wallet for Centurion Lounge access. The concierge is also great for securing restaurant reservations.
Chase Sapphire Reserve
My plan is to product change the CSR to a Chase Sapphire Preferred in January 2019. I still want a Chase Sapphire card for the travel protections like trip delay and primary CDW.
The Amex Gold card earns 4% on domestic restaurants, not international. Like most other people, the Gold is my primary dining card when I’m in the US.
My CSR card anniversary was in September, and the Gold card was revamped in October.
Reasoning for product changing in Jan 2019:
Sep 1, 2018 = Annual fee hit ($450 sunk cost)
Oct 4, 2018 = Gold gets revamped
When you request a product change, the annual fee is pro-rated.
Option 1: Downgrade in Nov 2018
Pro-rated refund = 10 / 12 * $450 = $375
Each month costs you $37.50
Total = $375 back
Option 2: Downgrade in Jan 2019
Pro-rated refund = 8 / 12 * $450 = $300
Travel credit = $300
Total = $600 back
Cash Card by Cash App (Square)
The Cash Card is an extension of the Cash App to use at physical retail stores. Apply Cash Boosts to get discounts at select retailers.
My Cash Boost is usually set to coffee shops to get $1 off or to Wholefoods for 10% off each visit.
Try Cash App using our code and we'll both get $5 when you send $5: https://www.asksebby.com/cashapp Promo code PNFWRFW
Amex Gold Card
The Gold card is mainly used for 4% at US Restaurants. Last time I checked, some restaurants using Square are still having issues, but some have resolved it. Hopefully, the issued gets fixed soon.
CNB Crystal Visa Infinite
The CNB card is a new addition to my wallet because I’m interested in trying out their financial products, and they don’t charge a fee to add authorized users. Watch the video below to learn more about the card.
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