How many active credit cards do I have right now?

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I’m often asked how many active credit cards I have at any given time, so I figured I’d make a post with the breakdown. I’ll also indicate whether each card is more valuable for the signup bonus or for long term everyday spend. Therefore I’ll put each card in either the “Keep” or “Cancel” category, based on what I plan on doing personally. Typically if the value proposition of keeping a card is “break even” I’ll leave it open for as long as possible:

  • Roughly half of your credit score is made up of your overall credit utilization and the history of your accounts. Both of these metrics are positively impacted by keeping cards open, even if you don’t use them. Keeping cards open helps your credit utilization ratio because you have available credit you’re not utilizing, which makes you less risky for the banks. Furthermore, keeping several cards open year after year helps the average age of your accounts. While I keep most of my cards open for just under a year (before the annual fee is due), keeping a few cards for a long time will greatly help your average account age, and therefore give you a solid credit history.
  • You have more leverage with banks if you have existing credit with them. When you apply for a new card and aren’t instantly approved, having a card with the bank will help your chances. For example, I never just cancel a Chase card. Instead I apply for the next Chase card I want and if I don’t get instantly approved I’ll call and offer to close an existing card in favor of the new one.

So with that in mind, here’s what’s in my wallet right now, in no particular order:

  • Chase Sapphire Preferred® Card (personal) – Keep Annual fee: $95, waived first year I don’t think I really need to explain this one. It’s the best all around credit card, in my opinion, and all of my dining and non-flight hotel spend goes onto this card, since those categories earn two points per dollar spent. The annual fee is only $95, and for the number of points the card allows me to rack up and the lack of foreign transaction fees, I’d say that’s a bargain.
  • Starwood Preferred Guest® Credit Card from American Express (personal) – Keep Annual fee: $95, waived first year I haven’t been spending as much on this card as in the past, mostly because a majority of my spend has been in categories that accrue bonus points with other cards (gas, groceries, dining, hotels, airfare, travel, etc.). However, I do still think an SPG point is worth more than a point earned with any other program, so it’s a great card for many. What really makes the card worthwhile and more than justifies the $95 annual fee for me are the two elite qualifying stays and five elite qualifying nights you receive annually just for having the card, which is a great start towards status every year. I’d otherwise spend money mattress running to earn those nights, and at the end of the day the annual fee is less than the cost of a hotel night, even at a cheap mattress run hotel. Terms apply.
  • The Platinum Card® from American Express (personal) – Keep Annual fee: $550 The American Express Platinum card offers lounge access with Delta, Priority Pass, and others, which is the main reason I keep it. I also think a lot of people underestimate the value of being able to add three Platinum authorized users for $175. If you split the combined $725 annual fee four ways, you’re looking at ~$181 per person for the most comprehensive airline lounge membership available. There are three other HUGE benefits of the card that more than justify the $550 annual fee, in my opinion. First you get a $200 airline fee credit annually for a qualifying airline that you select. While it’s supposed to only count towards “fees,” in practice you can buy airline gift cards in small increments, and that will be reimbursed. I value American gift cards more or less at face value, so that’s a great perk for me. The other great benefit is access to American Express Fine Hotels & Resorts, which I discussed in great detail here. It’s one of the best offerings for luxury hotels, and can literally add hundreds of dollars in value to each hotel stay. Lastly, the Platinum card allows you to earn 5X per $1 spent on airfare when you purchase it directly with the airlines. Terms apply.
  • Premier Rewards Gold Card from American Express (personal) – Keep Annual fee: $195, waived first year I spend a ton on flights annually (mostly reimbursable), and this card accrues three Membership Rewards points per dollar spent on airfare directly with airlines. It also offers two points per dollar spent on standalone US gas stations and US supermarkets, so it’s the card I put all that spend on as well. So while the annual fee isn’t cheap at $175, it’s worth it in my situation. Terms apply.
  • Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® (personal) – Keep Annual fee: $95, waived first year This one’s a no brainer. Recently Citi added new benefits to this card, including a 10% rebate on award redemptions, up to 10,000 miles per year. I easily max that out every year (since I make at least 100,000 AAdvantage miles worth of award redemptions per year), so by keeping this card I’m basically buying 10,000 miles at $95 annually, which is 0.95 cents per mile. Deal.
  • British Airways Visa Signature® Card (personal) – Keep or Cancel? Annual fee: $95 I’m not quite sure why I keep paying the annual fee year after year. I applied for the card a couple of years back under their original 100,000-mile sign-up bonus, and at the time British Airways Executive Club miles were very valuable. Roundtrip business class to Asia on Cathay Pacific only cost 100,000 miles, and you could even have a free stopover. The first year I earned a British Airways Travel Together Ticket, which is earned by spending $30,000 on the card in a calendar year. It entitles you to take a second passenger with you on an award ticket, and they don’t have to pay any mileage for the ticket. The catch is that British Airways imposes huge fuel surcharges on award redemptions, and the surcharges are constantly on the rise. New York to London, for example, is 120,000 miles in first class plus about $1,100 in taxes and fuel surcharges. With a companion certificate you’re basically spending 60,000 miles per person, plus $1,100 per person in taxes and fuel surcharges. Is it cheap? No, but for British Airways first class it is still a great deal, in my opinion. And while I’d rather not spend that kind of cash, at the end of the day your miles are valuable, so you have to apply some sort of a cash value to the 65,000-75,000 miles you’re saving per person compared to booking through a different program. So I guess I’m keeping the card with the thought that I may want to earn another companion certificate. I have one I need to use before the end of the year, and after that experience I’ll probably reevaluate my situation. The other valuable benefit of the card is that you get 10% off the cost of a British Airways ticket. British Airways is constantly having business class fare sales lately, so knocking an extra couple hundred dollars off the fare sounds kind of nice, if I choose to take advantage of one. Still, it’s not worth paying $95 per year for the possibility of saving a couple hundred bucks in the future, in my opinion. I may end up closing this card with my next Chase application, if they request I close an existing card in order to be approved for a new one.
  • The US Airways® Premier World Mastercard® (personal) – Keep Annual fee: $89 This card is a no brainer. They offer 10,000 bonus miles upon account anniversary each year, so with an $89 annual fee that’s 0.89 cents per mile. Furthermore, they offer a 5,000 mile discount for award tickets booked by card members for travel on US Airways. This lowers the cost of US Airways’ amazing off peak awards to Europe to only 55,000 miles roundtrip in Envoy class!
  • Ink Bold® Business Charge Card New Version (business) – Keep or Cancel? Annual fee: $95, waived first year The card offers 5x points on office supply stores and double points on hotels and gas. The latter two don’t necessarily justify the annual fee for me. I already earn double points on hotels with the Chase Sapphire Preferred, and I earn double points on gas with the American Express Premier Rewards Gold card. But the 5x points on office supply stores is very interesting, given that you can buy gift cards to other retailers there to essentially earn 5x Ultimate Rewards points per dollar on just about anything. If that option remains available I’d say this card is among the most valuable out there.
  • CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® (business) – Cancel Annual fee: $95, waived first year I applied for this earlier in the year for the 50,000-mile sign-up bonus, but don’t see much value in the card otherwise. If they let me earn a 10% rebate on award redemptions on both my personal and business card you can bet I’d keep it, but without any annual benefit I have no incentive to pay the annual fee and keep the card.

Cards I’m planning on getting in the next year 11 active cards isn’t all that much, and after I cancel 3-4 of them I’ll have plenty of room for new cards. In future I’m eying:

  • The Hyatt Credit Card It has a very nice sign-up bonus of two nights at any Hyatt in the world, and as a Diamond member they would be in a suite. Furthermore the card is a keeper, since you get a voucher for a free night at any category 1-4 Hyatt hotel annually, which more than justifies the $75 annual fee.
  • Chase Freedom® Card I’m embarrassed to admit I don’t have the card, but Chase has had too many other lucrative sign-up bonuses lately that I haven’t bothered applying for it yet. The Freedom card has no annual fee and offers 5x points in rotating categories, so is a great way to rack up Ultimate Rewards points.
  • Starwood Preferred Guest® Business Card from American Express While I have the personal card I haven’t acquired the business card yet, and it seems worth getting for the sign-up bonus, in addition to offering 2 stays or 5 nights towards elite status, which is hugely valuable to me.
  • All the cards that earn me Hilton points. I had a detailed post about this a few days ago. I’m intrigued by Hilton, so am seriously considering applying for all the cards that can earn me Hilton points, which I covered in detail hereTerms apply.

Are there any cards that I should be considering that I’m missing above?

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Comments

  1. The SPG Business AMEX has the same benefits in terms of qualifying stays/nights as the personal card. So if you have both of them it gets you much closer to re-qualfy for your status. This combined with the sign up bonus would be the main reasons for getting the card.

  2. @ Papa Smurf — Are you sure you can combine the annual stay/night credit from both cards towards a single SPG account? I was under the impression you couldn’t.

  3. @ lucky

    Yes, you do get credit for both, as I got 4 stays/10 nights earlier this year for the personal and business SPG AX cards.

  4. Also, like all AX Business cards, the SPG Business card gets OPEN savings, which I have found worthwhile for barnesandnoble.com (5% credit), officemax.com (5-10%), 1800flowers (5%), hyatt (3% credit for US props. 1 SPG pt + 3% cashback is the best return for me.) and hertz (10%). These savings post 2-3 days after the charge, and will stack with any promo you had…

  5. Good analysis, largely agree

    As Papa Smurf points out the SPG cards do stack. It’s the only reason I keep either of them.

    The one I’d add is Amex Blue Preffered. I am writing my own blog post on why that really is the ultimate flexi travel card

  6. The ink bold also gives 5x points on internet, landline phone, cable tv and cell phones. It’s a card I’d like to have to max out with my freedom and sapphire. Years ago I convinced my ex to allow me to pay her cell phone bill as my child support since the amounts were about the same.I’ve been putting it on the HHonors amex for the 6x but I’d prefer the 5x UR points.

  7. as the others pointed out, i get 4 stay/10 night credit by having both Starwood Amex products. It is not a glitch, has worked fine the past 2 years. You also get the Amex OPEN privileges with the Starwood business account, which i find quite valuable.

    The Chase Freedom is great for small purchases in conjunction with a Chase checking account, which is free with direct deposit. My morning $1.50 coffee earns me about 13 UR points. Plus the rotating quarterly bonuses are nice too.

  8. @ Ken … Educator? 🙂

    @ Lucky – Wow all the cards you have are Annual Fee. You’re paying ~$1000 in annual fees?

  9. I think the internet, cable, cell/landline, and office supplies are all under the 50K cap.

  10. Why keep both the Ink Bold and the Saaphire Preferred? I would downgrade the Ink Bold to the Cash or Classic since you’ll already have the ability to transfer points out.

  11. The only ones I think are worth the fee for me are SPG Amex and Sapphire.

    1) My company picks up my Admiral’s Club, and I try to fly exclusively One World on revenue.
    2) Hotel points are so much more valuable to me than air miles since I have so many miles. Particularly Starwood points. I’d rather have 100k SPG points than 200k AMEX MR points. It might be different if I was focused on a chain that MR had a better exchange with than Starwood.
    3) Why pay the annual fee on some of these cards when they are churnable?

  12. I got the 2nd year fee waived on my BA Visa, but one reason I kept it was the NYC Michelin discounts they had over the past year. In my first year of holding the card, I got $200 back from my meals at certain NYC restos

  13. One caution on Starwood Amex business card (and possibly other business cards) – some benefits are different from personal cards. For example, Starwood Amex personal covers car rental collision damage worldwide; Starwood Amex business only covers car rental collision damage in the US by default. (You can pay extra to get worldwide coverage.)

  14. Re ink bold, if the only reason to keep is because of the 5x on office supply, why not switch to the Ink Cash and get the same benefit without an annual fee? Unless you spend more than $25000 per year on office supply, this should be a perfect solution.

  15. Another great (non-FF) benefit of the AMEX PLAT is the extended warranty on item purchased with it. I’ve used it a number of times, and it’s worth its weight in gold. I mean platinum 🙂

  16. My question is:is it common to pay annual fee for a card in the states???i mean i have 6 uk cards from British airways amex,to priority club mastercard,flying blue amex,hilton visa,hsbc premier plat masterc,4 lebanese credit card and 5 Qataris card and i dont pay a penny as a fee????

  17. SPG awards lifetime gold after 5 years of gold status…would holding the personal and business SPG cards help you qualify for this?

  18. If you are willing to comment, how do you justify most of your flight purchases to be reimbursable?
    As a self-employed “writer” with his own small business (this blog and your travel service), do you just write off most of your flights/hotels as biz expenses?

  19. @ Ken Y. — Professional services (I’m a self employed consultant).

    @ vince — Yes, but the benefits aren’t just having the cards, but look at all the things I get with it — $200 airline credit, airline lounge membership, five nights towards elite status, 10,000 US Airways miles, etc.

  20. @ Brandon — Because the Ink Bold offers 5x points on office supply stores, and if used properly that can be VERY lucrative.

    @ beachfan — Because in all the cases the annual benefits outweigh the cost. Any card above where you don’t see that being the case in my shoes?

  21. @ Ckey — Definitely something I’ll consider in ~10 months when the annual fee becomes due.

    @ mohamed b — Many cards in the US do carry annual fees, though they often waive them for the first year.

    @ Hao — Well with the card you need to spend $20,000 annually for Gold, and since I earn Platinum I don’t really consider that to be much of a benefit. Keep in mind in addition to Gold status for five years you also need 250 nights at SPG properties over your lifetime.

    @ Bob — By reimbursable I mean much of it is for family and clients (meaning I’m not out of pocket for it).

  22. Cancel the Ink Bold?! Blasphemy! Sapphire Preferred’s 2.14x for travel/dining seems so lame compared to 5x… Ckey has a good suggestion though about dropping to an Ink Cash or Ink Classic for similar benefits as long as you have the Sapphire Preferred for transfers

  23. The Chase British Airways card is the only one available in the US with a Chip-and-PIN which may make it worthwhile for frequent European travelers.

  24. @lucky – given your hotel preferences, and the need to skip around to try different chains, maybe not. But you seem to often pay cash for hotels.

    Depending on how many airline miles you have, your ratio of free airline potential to free hotel potential may not be in balance.

    It likely is since you take a lot of one or two day long haul trips. But without knowing how many miles you have already, it’s hard to say.

    Not all the cards you are keeping are for the benefits. Some you are doing just because it’s a good earning opportunity. For someone with millions of miles, I don’t think .89 cents per mile is a good purchase rate, especially on cards that are churnable.

  25. Do the American Airlines gift cards at Costco ($269 for $300 face value) count towards the $200 annual credit on the American Express Platinum card? Or is the “small increment” you mentioned more like purchasing four $50 AA gift cards?

  26. @ ASW — It wouldn’t count since that’s processed by Costco and not American. Purchasing American gift cards on aa.com in $50 increments usually does the trick.

  27. @ beachfan — I see a TON of value in hotel points, though at the end of the day I’d rather have excess airline miles than excess hotel points. That’s because at the end of the day I can afford to book a mid-range SPG/Hyatt hotel in most cities and earn points towards elite status, while I can’t afford to pay for a business or first class fare in most cases (and I aim for flying premium cabins on longhauls). I’d buy miles all day long at a cent a piece, no matter how cheap I can earn them otherwise, since my family travels a lot as well and could use those miles otherwise.

  28. newbie question: i have a Chase Sapphire Preferred. If i were to get a Chase freedom Visa, do the rewards points dump into the same account? Or does it not even matter?

  29. @ Alex — If you have the Chase Sapphire Preferred you have the ability to dump your Freedom points into the same account so you accrue Ultimate Rewards points for both cards.

  30. Thanks, Lucky! This article is very comprehensive and informative.

    One question for you – You mentioned the points from the Chase Sapphire Preferred and Freedom can be combined. What if one family member has both of these two cards but the spouse only has the Chase Sapphire Preferred? Can the points from these three be combined? Thanks.

  31. Does it make sense for me to get the SPG Amex if I don’t travel on revenue? My husband already has the Hyatt card and I’m planning on getting one for myself so we’ll get 2 award nights every year.

    What benefits does “two elite qualifying stays and five elite qualifying nights” get me? Thanks!!

  32. @ Jade — Absolutely, you can combine points from multiple accounts, even if they’re in different names. Just go to ultimaterewards.com, click on “Manage Ultimate Rewards,” and then select “Combine Points,” and you can transfer them instantly.

  33. @ Teri — Those two elite qualifying stays and five elite qualifying nights count towards elite status. They’re not actual nights you can redeem, but instead get you closer to Gold or Platinum status with SPG. Does that make sense? 🙂

  34. @Richtravels:

    I think Diners Club also has chip-and-pin, but of course it’s not “available” unless you are already a cardholder.

    VERY useful card under certain circumstances.

  35. @lucky – what does gold & platinum status get me? Do they just give you additional perks like late check-outs, etc..? I’m a newbie to all of these and now I’m hooked. Too bad I don’t travel for work!

  36. @ Teri — Both are great chains. If you’re looking to be loyal to just one chain SPG is probably better since they have many more properties.

  37. @ Lucky/other bloggers

    Sorry for the newbie questions. I am trying to understand the starwood program that everyone is talking about. (I research on the websites)

    Each Amex card qualifies for two elite qualifying stays and five elite qualifying nights a total of four and ten respectively.

    Q1)For one to qualify for Gold, one would need 10 stays or 25 nights per year, thus an indivudal would need to stay at least 6 more stays or 15 nights within a SPG hotel during the calendar year?

    Q2)To qualify for the gold status, one would need to qualify gold status for 5 years plus a total of 250 nights at a SPG property. Is this correct?

    Q3) Biggest question is if holding the card is worth really worth all the annual fees? The annual fee would total out to 650$ (5 years x 2 cards x 65. Lifetime Gold offers free perks here and there, but does it justify the 650$ fee? Am I missing something here or other additional perks? Are you guys trying to obtain SPG points? I dont understand all the fuss. Please help! Sorry for the newbie questions.

  38. @ Bundy —

    Q1) That’s correct.
    Q2) To qualify for Gold status for life you need five years as a Gold member (which the card in and of itself doesn’t give you unless you spend $20,000 on it per year) plus 250 nights.
    Q3) For me the benefit of having the card is that it gets me closer to Platinum status. I aim for Platinum status each year, which requires 25 stays or 50 nights. Having both cards means I only need 21 stays or 40 nights. Those $130 in fees save me a lot of money on hotel stays.

  39. @ lucky

    has anyone been able to confirm the change in terms for Amex signup bonuses? (i.e. if a current PRG cardholder, I won’t get any signup bonus if I apply for the Platinum card?)

  40. Chase Marriott is worth to have and keep due to the annual free night (same with Chase Priority Club.

  41. +1 to those mentioning the 5X bonus on the Ink Bold is for internet, cable tv, cellphone, landline(for those that still have them), in addition to office supply stores. If your household monthly total for those is $200, that’s 12,000 UR pts/yr. Easily justifies the annual fee.

  42. Thank you Lucky for the quick response.

    @Lucky/Papa Smurf

    If I am correct, you would need to spend 30k OR spend have the qualifying night/stays to QUALIFY AS GOLD per year?

    In your honest opinion, do you think for one to obtain gold status is worth all the hassle?

    Sorry for all hassle. It’s very intriguing to obtain some type of “lifetime” membership.

    As for card recommendation, I recommend the Fidelity Amex card. You obtain a minimun of 2% of ANY purchases. In theory, you will always get 2% back ranging from cable bills to some misc item. As fidelity amex doesn’t advertise, they occasionally do have 25$ on various categories when you spend 500$ (very similiar to Chase Freedom, but is usually cap out at 25% cash back – 5% back). Currently they have on travel.

    I also have the BA card. It’s a great card, depending how you use it. I’ve made my money worth by going to Michelin star restaurants and the 100k bonus. The AVIOs points are only worth it for SHORT HAUL flights such flights within in the states or in Asia I notice. I recently only use 18k points flying from Hong Kong to Singapore – saving 300$. My 2 cents. Thanks for your help lucky and great site!

  43. 1. if you fly frequently within US, chase rapid rewards southwest visa charges $89 annual fee but gives you 5,000 miles.

    2. chase marriot reward card charges $79 (?) annual fee but gave you a free stay at category 1-5 marriot hotel at your anniversary. plus, each $3000 earns you one night towards maintaining your elite status. plus, no foreign transaction fee.

  44. @Richtravels:

    Chase BA is chip and signature.

    Bank of Montreal has a MC Diners Club Professional card that is the only true chip and pin offered to us customers.

    Citibank also offers chip and signature to AA Executive Card MC customers.

    Travelex offers a chip and pin prepaid currency card.

  45. SPG rewards also count as stay credits, and some properties are only 2k points on weekend nights. Easy to do a mattress run, even if you never leave your house. 😉

  46. Mr. Pickles: What is the Diners Club card from BMO? I know it has a chip, and they sent me a PIN, but I have not used it. Am I misunderstanding?

  47. @ Lucky

    Since the USAIR card is churnable, it’s far better to cancel it and get the new bonus (40k/fee $0)than pay for the anniversary bonus (10k/$89).

    Without knowing your balances, I can’t fully answer your question, but for someone with my balances which are sort of: 1)all the miles I need for the next few years for F travel on saver awards and 2) Almost out of SPG points, I’d value 2 Membership Reward points lower than 1 SPG point. And I’d save the $175.

    For you, since you get reimbursed for a lot of air travel, maybe the 3 MR points are worth more than the 1 SPG point (since you can convert 3MR to 1 SPG point anytime), making it worth the $175. But you sure do have a lot of fees going out.

  48. @ Bundy — No, it’s definitely not worth all those stays for Gold status, especially if you wouldn’t make them otherwise. As pointed out above you also get complimentary Gold status for having the American Express Platinum card, which is a much better deal.

    What is worth quite a bit more is Platinum status, which I think is worth aiming for. That’s when the real benefits, like suite upgrades, breakfast, etc., start kicking in.

  49. @ Jeff A — I’ve tried to, though still haven’t gotten a clear answer. I still have a very hard time imagining it’s enforced in practice, though it seems to suggest you’d need to cancel the Gold card for three months and re-apply. Again, I can’t imagine that’s actually enforced in practice, though, because it makes no sense.

  50. I have a question about reward cards that I was hoping you might have a suggestion or 2. I have been a miles junkie for years (USAirways) but am just getting more into the world of reward credit cards. I have had a USAir card for 3 years and like that, but the question is more related to my other cards. I have a Citi CashReturns card that I do not love. The cash back policy is nothing to get excited over (no annual fee is good) but I was hoping to switch it to another card. I called citi, with interest in switching to the Hilton Honors card, but I found out when you switch, you are not eligible for the sign up bonuses (in this case the 40,000 HHonors points). I would cancel the card and then open another one, but an concerned about the hit on my credit report that closing and opening a card might have. So, thoughts?
    (as a side note, I am really interested in the Chase sapphire card, and am seriously considering adding that card to my wallet.)

    thanks
    Matt

  51. @ Matt — When you called Citi it sounds like you were just trying to switch over the card vs. canceling your existing one and applying foe a new one? If so, you’re correct that you wouldn’t be eligible for the bonus. That’s why I recommend just applying for the card fresh.

    At the end of the day a credit card app won’t hit your score more than a couple of points, and it’s temporary. It can actually help your score in the sense that it lowers your credit utilization. I apply for over a dozen cards a year and my score is excellent.

    So you would be eligible for the bonus. In your shoes I’d also seriously consider the Chase Sapphire Preferred as a good primary card for everyday spend given the bonuses they offer on dining and travel, the 7% points dividend, the lack of foreign transaction fees, and the great transfer partners.

    Let me know if you have any other questions.

  52. @Lucky
    Thanks for the advice. But what about the hit of canceling a card (and it’s $15,000 of credit). Would that be wiped out by immediately opening another card?

  53. @ Matt — Unlike when you apply for a card, there’s not really a direct “hit” for canceling the card. Your overall credit history and total credit decreases, but if you get a new cart with a good credit line you can get the credit utilization ratio right back to where it was. In your shoes I’d apply for some new cards and then cancel your existing one.

  54. Do you have any no-annual-fee-cards in your portfolio? If so, do you just leave them in a drawer or do you make periodic purchases on them?

  55. Just curious why no one ever has the capital one venture card? I use it daily along with CSP for travel and food and feel like I’m doing something wrong!

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