What's In My Wallet? July 2019 Edition

The cards in my wallet rotate based on if I’m traveling, adding a new credit card, or optimizing for a 5x rotating category. I spent the majority of the month in Greece.

American Express Gold Card

The Amex Gold Card recently updated their benefits to earn 4x on dining worldwide. It was a toss-up when it came to Amex acceptance rate in Europe.

The Amex Gold Card comes with a $10 dining statement credit each month that can be used at GrubHub, Seamless, Boxed, and more.

 Platinum Delta SkyMiles

I’m working towards the Delta Miles Boost since I want to hit the MQD waiver for Delta. I recently switched my airline elite status from United to Delta, and I’ve been happy with the experience.

Since I live in San Francisco, I can easily hit the $25,000 waiver amount by paying rent with the card each month.

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 Citi Prestige

I used the Citi Prestige for a ton of travel bookings before they announced the changes to benefits. Citi is gutting almost all of their benefits on Sept 22, 2019. If you booked any travel with the card, you’ll still be protected until Sept 22.

Amex Platinum

The Platinum card is great for perks, but terrible for travel delay protections (it doesn’t have any). The card is in my wallet for airport lounge access via Priority Pass lounges.

On a side note, most Amex cards have return protection. We bought a float for Bora Bora and instantly regretted it once we took it out of the box. Return protection lets you file a claim with Amex if the merchant refuses to take the item back.

The plan is to try and return the float to the retailer, but if that fails, I’ll use return protection.

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.