October 31, 2015

What's in My Wallet November 2015

Here's an update on what's in my wallet (and why) as we go into November.


1) Chase Freedom

The Chase Freedom card offers "rotating" 5x spend categories by quarter.  For this quarter (ending 12/31/15) Freedom is offering 5x at Amazon and Zappos.com on $1,500 worth of spend during the quarter.  Given the holidays and everyday spend, I'll probably get pretty close to maxing the $1,500 earning me 7,500 Chase Ultimate Rewards points!

2) Chase Sapphire Preferred

All of my extra (not contributing to sign-up bonuses) travel and dining spend goes on the CSP.  I've had the card for over 3 years and gladly pay the $95 annual fee given my credit history, limit, and the earning power of the card.  Don't forget to leverage the CSP for 3x points on dining on the first Friday of each month.

3) Amex Platinum

I actually don't put spend on the card at all (other than to earn the sign-up bonus) but have kept it in my wallet strictly for the benefits.  Specifically Centurion lounge access in cities where I have upcoming travel (New York, San Francisco, and Dallas).

4) Citi Hilton HHonors Visa

I'm working on the minimum spend for this card ($2,000 in 90 days) which I picked up for the increased 75,000 point sign-up bonus.  I had depleted my stash of HHonors points over the last year and 75,000 will go a long way in boosting my balance.  This card is "churnable" in that you can get it over and over - with no annual fee it's great to take advantage when the bonus is increased.

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