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What cards do you have?
So I looked around a bit for a thread like this, but I didn't find one. If you're willing to share, what cards do you have? I think it'd be useful for people who are just starting this (like I am) to see what some people who are more experienced have in their wallet. I've seen one or two blogs who have said what cards they have, but I thought it'd be interesting to see the cards of a bigger pool of people.
And which cards are your favorite and why too would be really helpful. I recently started this and I currently have: -Discover Student card that I've had for a few years and kind of hate, but at least it's not a fee card -United Chase -Chase Freedom and just recently got approved for: -Chase Sapphire -US Airways MasterCard -AA Citi Card -Alaska Airlines BOA Card What have you guys got? |
Merely replicating what an "experienced" person has in their wallet won't help. Each person needs to find cards suited to the individual versus relying on lists or popularity of a given card.
Originally Posted by maddie5218
(Post 22107703)
And which cards are your favorite and why too would be really helpful.
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Here are some previous discussions to help you see how fashions change:
From 2010: http://www.flyertalk.com/forum/credi...ur-wallet.html From 2012: http://www.flyertalk.com/forum/credi...ur-wallet.html |
bank of america mets card
southwest premiere discover card sapphire alaska airlines united mileage explorer sony playstation card amex delta gold amazon chase |
Get (switch Student to) Discover It, Blue Cash, and JCB Cali Premier.
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My wife and I have:
Amex Blue - have had this since college (since 2005) Chase Freedom - same as above CSP Costco Amex Amex PR Gold card Amex Platinum Chase Hyatt Plan to get in 2014 - SPG, maybe the Chase Mariott? I'm open to suggestions as far as 2014 apps go. |
In my wallet:
CSP Freedom Discover it PenFed Hilton Amex (backup) Not in my wallet: UA MP Explorer (downgrading next month) Hawaiian Airlines (canceling next month) Citi AA Platinum (downgrading next month) Amex BGR (cancelling in a few months) US Air (keeping for 10k anniversary until it goes away) Citi and Amex Hilton (keeping for AAoA and to cycle for upgrade bonuses) |
Not in wallet:
Capital One Venture Amex Blue Discover Card Amex Macy's Amex Platinum Amex Hilton Hhonors Amex SPG Citi Hhonors Reserve Bank of America Virgin Atlantic Chase United Mileage Plus Explorer Card holder: Chase Sapphire Preferred (dining/travel) Chase Freedom (for quarterly cat) Barclays US Airways Master card (for 15k bonus) Barclays Arrival Card (non cat items) US Bank Club Carlson (meeting spend) Amex Hilton Hhonors Surpass (meeting spend) Chase Hyatt Visa (pts for future stay) |
1) Chase Freedom (for 5% categories)
2) Chase Ink (auto-bills cable and mobile phone, also use at Staples and allows me to transfer my Freedom points to partners) 3) SPG AMEX (my go-to as I consistently am able to redeem for 3% so anything below 3% goes on this card) 4) Plat AMEX (used for perks and travel only) 5) Citi AA MC (my go-to non-AMEX, also fly AA a lot and use the benefits) 6) BofA Platinum Privileges card (used for gas at 4.5% back when not a Freedom category, also used for Bank Amerideals which somehow always come up with amazing 5-10% discounts at places I actually go). 7) AMEX Open SimplyCash CC (when I downgraded my biz SPG it turned into this) Will likely open a Citi AA biz card this year for the 50K miles and possibly the UA Explorer for 50k miles. Might close the Ink and open a CSP in 2015. Amex Plat may be cancelled if they don't come up with some good benefits to replace AA lounge access as I use that all the time. |
In Wallet:
Chase Freedom Visa Sig Discover IT Fidelity Amex Not in Wallet: Amex SPG Amex BCE Amex Costco Bank of America Better Rewards Plat Visa Barclays Priceline Visa Sig Barclays US Airways WMC (2) CapOne Venture CapOne VentureOne Chase United Mileage Plus Explorer Plat Visa Citi Forward Visa Sig Citi Dividend WEMC Citi TY Preferred Visa Sig Citi TY Premier Visa Sig DCU Plat Visa PSECU Visa Penfed Rewards Platinum Visa US Bank Cash Plus Visa Sig USAA WWP WMC USAA WWP Amex Walmart Discover |
wallet:
always discover cash rewards = category citi forward = entertainment fidelity amex = general penfed gas card (still 5%) - gas target - 5% at target chase sapphire preferred - 1 purchase per month spg amex - for amex deal use current soon to be cycled out: chase southwest - big spend to meet... chase united - spend wife chase united - spend soon to be added new Hawaii'an air hilton large rollodex wallet: everything else :) |
Originally Posted by maddie5218
(Post 22107703)
So I looked around a bit for a thread like this, but I didn't find one. If you're willing to share, what cards do you have? I think it'd be useful for people who are just starting this (like I am) to see what some people who are more experienced have in their wallet. I've seen one or two blogs who have said what cards they have, but I thought it'd be interesting to see the cards of a bigger pool of people.
And which cards are your favorite and why too would be really helpful. I recently started this and I currently have: -Discover Student card that I've had for a few years and kind of hate, but at least it's not a fee card -United Chase -Chase Freedom and just recently got approved for: -Chase Sapphire -US Airways MasterCard -AA Citi Card -Alaska Airlines BOA Card What have you guys got? BOA Travel Rewards Discover it Nordstrom Visa BOA Better Balance Capital One Venture Citi Diamond Preferred Amex Blue U.S. Bank FlexPerks Wells Fargo Rewards Visa Citi TY December 2013 AOR Citi AA Platinum MC Barclaycard Arrival CSP Amex SPG |
Just started on this, so I'm not the best datapoint, but here's what I've got so far.
Old: BoA cashback visa Amex cashback New 1/14: Chase IHG Citi AA Barklays World Premier <- this will be the one I use primarily once it arrives Pending 1/14: Chase Sapphire Preferred Denied 1/14: Barklays US Air (they said I could only keep 1 of the 2) |
In my wallet:
Chase Freedom CSP AMEX PRG AMEX Platinum Business Not in my wallet: Citi Hilton (Approved - still waiting on card) Chase Southwest Premier Personal (Approved - still waiting on card) Chase Southwest Premier Business (Approved - still waiting on card) AMEX Hilton (not Surpass) BoA Alaska Airlines BoA Virgin Atlantic Barclays US Airways Citi AA Platinum #1 Citi AA Platinum #2 Citi AA Business USB Club Carlson Chase IHG USAA World MC |
As takeshi74 says, it is the Why that is important. My guess is that many people have at least one or two cards that they wouldn't get again (and for whatever reason haven't bothered to close) so a list of cards isn't all that much different from seeing a list of all credit cards and selecting a few
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