What's In My Wallet? December 2018 Edition

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

Citi Prestige

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.

Amex Platinum

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.

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 

UGC disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.