What's in my wallet is a monthly series that explains the reasoning behind each card in my wallet. The cards change depending on if I need to hit minimum spend on a new card or if I want to maximize cash back categories for the quarter.
The 5% cash back category during Q3 for the Chase Freedom is restaurants. I just finished maxing out my category spend with the Discover It card, so the Chase Freedom is going to be my default card whenever I dine out. Learn more about the Chase Freedom Q3 categories in the video below:
American Express Platinum
I recently canceled my Amex Business Platinum card and replaced it with a personal Amex Platinum card. This month, I'm working on hitting $5,000 minimum spend requirement to earn the 60,000 point bonus.
Watch the video below to learn more about why I canceled my Amex Business Platinum card:
I missed out on getting the personal version of the Chase Marriott card because I was over the Chase 5/24 rule. As a result, I applied for the business version to earn the 80,000 point signup bonus and free anniversary night. The Marriott card is a keeper in my books.
The Marriott business card is the only business card that's not affected by the Chase 5/24.
The Cathay Pacific card is another new addition to my wallet. I signed up for the card because I want to experience a first-class international flight with Cathay Pacific. With the increased signup offer, this makes the goal more attainable.
Watch the video below to learn more about the increased Cathay Pacific offer:
What's in your wallet this month?
The ideal time to start building your credit is when you’re a student because it will set you up for success in the long-term. Here’s an analysis of the best student credit cards on the market.
The Crystal Visa Infinite credit card by City National Bank is one of the few Visa Infinite cards on the market with access to the Visa Infinite Discount Travel Portal. Although the card has been on the market for a while, I haven’t reviewed it yet because it has a unique underwriting process, and there is not always a signup bonus available.
The cards in my wallet rotate each month depending on if there’s a new 5% cash back category or if I’m trying to hit the minimum spend on a new credit card. For the month of September, I have the Cash Card, Amex SPG Luxury card, Chase Sapphire Reserve, and my Costco card.
Best Western is a global budget-friendly hotel chain that has a status match program. If you have status at any other hotel loyalty program, you can status match to Best Western Elite.
The Discover It and Chase Freedom are cards that feature rotating 5X cash back categories each quarter you activate. Earn 5X on up to $1,500 in combined category purchases for each card.
Chase 5/24 has an unofficial rule that states that if you have opened 5 or more credit cards from ANY credit issuer in the past 24 months, you will not be eligible for select Chase cards. In the past year, Chase has added a handful of new cards, and application rules have also changed.
Increased bonuses of the month highlight keeper cards that have a higher than usual intro offer. This month features the IHG Rewards Club Premier, Amex Hilton Aspire, and the Amex SPG Business cards.
Priority Pass Select is a benefit that’s offered with select premium travel credit cards. Be aware that the benefit level may vary based on the credit cards you have.
If you're someone who flies JetBlue and is invested in their credit card ecosystem, there is a 2-card set up available to optimize for points. The Barclays JetBlue Plus + JetBlue Business 2-card setup is interesting because the 10% rebates stack, meaning you get a 20% rebate if you hold both cards.
After much anticipation, The Hyatt Regency Bali is currently taking reservations for 2019! It's a Category 1 hotel, so it will only cost 5,000 Hyatt points per night