Which Credit Cards Are In My Wallet?

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Last November I wrote a post sharing which credit cards are in my wallet. More accurately I should say which credit cards I currently have “open,” since I sure don’t carry all my cards in my wallet. I figured I’d provide an update of this list, as I’ve changed up my cards a fair bit since then.

With each card I’ll share:

  • The annual fee on the card
  • Whether I plan to keep or cancel the card when the annual fee comes due
  • If I keep the card, whether I do so for the value it provides for everyday spend or the annual benefits that come with the card

First, here’s a chart summarizing the cards I have, whether I plan to keep or cancel them, and if applicable, why I plan on keeping them:

Credit CardAnnual FeeKeep or CancelWhy I Keep It
Ink Plus® Business Credit Card$95, waived the first yearKeepEveryday spend
Chase Sapphire Preferred® Visa Card$95, waived the first yearKeepEveryday spend
Chase Freedom®$0KeepEveryday spend
Barclaycard Arrival Plus™ World Elite MasterCard®$89, waived the first yearKeepEveryday spend
Club Carlson Premier Rewards Visa Signature Card$75KeepAnnual benefits
Citi® Hilton HHonors™ Reserve Card$95KeepAnnual benefits
Chase Hyatt Visa Card$75, waived the first yearKeepAnnual benefits
IHG® Rewards Club Select Credit Card$49, waived the first yearKeepAnnual benefits
Hilton HHonors Card from American Express$0KeepAnnual benefits
The US Airways® Premier World MasterCard® $89CancelN/A
Alaska Airlines Visa Signature Card$75KeepAnnual benefits
Alaska Airlines Business Visa Card$50KeepAnnual benefits
Citi Executive AAdvantage World MasterCard$450CancelN/A
The Platinum Card® from American Express$450KeepAnnual benefits
Starwood Preferred Guest® Credit Card from American Express$95, waived the first yearKeepAnnual benefits
Starwood Preferred Guest® Business Card from American Express$95, waived the first yearKeepAnnual benefits

With the above summary out of the way, here’s a bit more detailed of a description:

Ink Plus® Business Credit Card
Annual fee: $95
Keep or cancel: keep

Why I keep it: everyday spend

The Chase Ink cards are the best business cards out there at the moment, in my opinion.

  • You get double points on the first $50,000 spent annually at hotels and gas stations
  • You also get 5x points on the first $50,000 spent annually at office supply stores, and on cell phones, landlines, internet, and cable TV

The last category alone justifies the annual fee on the card (which is waived the first year), given that those are fixed monthly expenses for me, and when I add them up and calculate the 5x points I’m earning, I’m already coming out ahead.

Keep in mind that Chase offers both the Ink Plus® Business Credit Card and Ink Bold® Business Charge Card, which offer virtually identical benefits. The major difference is that one is a credit card while the other is a charge card.

Korean-Air-Bar
Redeem Ultimate Rewards points for travel on Korean Air

Chase Sapphire Preferred® Card
Annual fee: $95, waived first year
Keep or cancel: keep

Why I keep it: everyday spend

This one is a no brainer, and a card everyone should have.

  • The card offers double points on dining and travel
  • That means you’re earning 2 points per dollar spent at restaurants and on just about all travel expenses, including hotel, airline tickets, car rentals, transportation, and even parking

While I can get a good return on hotels and airline tickets with other cards, it’s the dining and other travel expenses (taxis, trains, parking, etc.) that make this card awesome. Since it has no foreign transaction fees I use it when I’m traveling abroad almost exclusively.

Chase Freedom®
Annual fee: $0
Keep or cancel: keep

Why I keep it: everyday spend

The card has no annual fee and offers 5x points in rotating categories for up to $1,500 in spend every quarter. That’s an easy way to pick up 30,000 Ultimate Rewards points per year. Beyond that, having a no annual fee card is great since you can keep it long term without it costing you anything, which can potentially help your credit score.

Barclaycard Arrival Plus™ World Elite MasterCard®
Annual fee: $89, waived the first year
Keep or cancel: keep

Why I keep it: everyday spend

With airline award charts being devalued quite frequently, it’s nice to earn an alternative points currency to diversify things a bit. The card offers 2% cash back towards travel, plus you earn a 10% refund on your redemptions, which means you’re basically earning 2.22% cash back towards travel. That’s tough to beat for everyday, non-bonused spend.

Club Carlson Premier Rewards Visa Signature Card
Annual fee: $75
Keep or cancel: keep

Why I keep it: annual benefits

This is probably the single most undervalued credit card out there. I’ve written about the card in the past, and what makes it so special is that every time you redeem an award night you get a second award night free.

  • That means if you redeem for award nights in two night chunks, you’re literally getting 50% off award redemptions
  • Beyond that, you get 40,000 bonus points on your account anniversary each year, which is nearly enough points for a free night at one of their top hotels, and then the second night would be free

I’m doing lots of travel to Europe this summer, and plan to stay at quite a few Club Carlson properties.

Citi® Hilton HHonors™ Reserve Card
Annual fee: $95
Keep or cancel: keep

Why I keep it: annual benefits

What makes this card great is that you get HHonors Gold status just for having the card, which gets you what I consider to be the two single most valuable hotel elite benefits — free internet and breakfast.

You also get a free weekend night certificate when you spend $10,000 on the card in a year, which can be a great value since it can be redeemed for properties that would otherwise cost up to 95,000 points per night. You also get Diamond status if you spend $40,000 on the card in a year — whether or not that that’s worth it probably depends on your travel patterns.

Chase Hyatt Visa Card
Annual fee: $75, waived the first year
Keep or cancel: keep

Why I keep it: annual benefits

The only time I spend a dime on this card is for international Hyatt stays, since you earn three points per dollar (for domestic Hyatt stays I use the Starwood Business AmEx). Other than that I keep the card for the annual free night certificate, redeemable at category one through four properties. That more than justifies the annual fee, given that it can be redeemed at some great properties.

Grand-Hyatt-Beijing-Pool
Pool at Grand Hyatt Beijing, where I redeemed my annual free night certificate

IHG® Rewards Club Select Credit Card
Annual fee: $49
Keep or cancel: keep

Why I keep it: annual benefits

This card is also a no brainer simply for the benefits you receive for keeping the card long term. You receive an annual free night certificate valid at any IHG property, plus Platinum status, for as long as you have the card. For a low annual fee of just $49, that’s tough to beat.

Hilton HHonors Card from American Express
Annual fee: none
Keep or cancel: keep

Why I keep it: annual benefits

This is a no annual fee credit card that used to be worth keeping solely for the ability to redeem for Hilton’s AXON awards. However, Hilton devalued AXON awards in June after devaluing the rest of their program in March, so the card isn’t as useful as it used to be.

  • Maybe I’ll need an AXON award in the future, though for me a card without an annual fee is worth having just for the positive impact it has on my credit score.
  • One of the things that factors into your credit score is the average age of your accounts, so this card helps since I have no intentions of using it otherwise.

I transferred most of the credit line from this card to the Starwood American Express, so there’s really not much opportunity cost to keeping the card.

The US Airways® Premier World MasterCard®
Annual fee: $89
Keep or cancel: cancel

Why I keep it: N/A

I signed up for this card simply because it will likely be going away at some point due to the merger. It’s an easy 40,000 US Airways miles which will eventually be converted into American miles. Beyond that, there seem to be quite a few targeted spend bonus offers for this card, so in many cases it can even make sense to put spend on the card.

Cathay-Pacific-First-Class
Redeem US Airways miles for Cathay Pacific first class

Alaska Airlines Visa Card
Annual fee: $75
Keep or cancel: keep

Why I keep it: annual benefits

I actually have several of these cards at the moment. The sign-up bonus on the card is presently 30,000 miles upon approval. As a matter of fact the miles usually post before you even receive the card, which is pretty awesome. Alaska miles are incredibly valuable since they allow stopovers on one-way awards and have some amazing redemption opportunities on carriers like Cathay Pacific and Emirates.

But also I value the fact that the card comes with an annual $118 companion certificate for travel in coach on Alaska. The companion still earns miles and is upgradable, so as far as I’m concerned, the more of these cards I can pick up the better. I know people that have a handful of these cards active, so I’ll likely pick up another one in a few months.

Alaska Airlines Visa Business Card
Annual fee: $50
Keep or cancel: keep

Why I keep it: annual benefits

The Alaska Business Visa only has a 25,000 mile sign-up bonus after the first purchase, but is still a great card since it also comes with a companion certificate. For me, the card is worth keeping long term for the companion certificate.

Citi Executive AAdvantage World MasterCard
Annual fee: $450
Keep or cancel: cancel

Why I keep it: N/A

For much of this year the card has come with a 100,000 mile sign-up bonus. That was an absolute no brainer, so I picked up a couple of cards under that offer. While the card comes with Admirals Club access, I don’t see a whole lot of other long term value in the card.

The Platinum Card® from American Express
Annual fee: $550
Keep or cancel: keep

Why I keep it: annual benefits

This card is expensive but worth every dime to me. It offers lounge access with Delta when traveling on Delta-operated flights, Priority Pass, and even their own Centurion Lounges, which are pretty awesome.

Centurion-Lounge-Dallas
American Express Centurion Lounge Dallas

But beyond that you get an annual airline fee credit for $200, which in practice can many times be used to purchase airline gift cards. So I’m able to purchase $200 in American Airlines gift cards per year and have it reimbursed. What sweetens the deal even further is that the annual fee is based on a rolling 12 month period, while the airline fee credit is based on a calendar year. So that means with your first year’s annual fee you can actually pick up two airline fee credits, worth $400.

The other thing that makes this card awesome is access to American Express Fine Hotels & Resorts.

Starwood Preferred Guest® Credit Card from American Express
Annual fee: $65, waived the first year
Keep or cancel: keep

Why I keep it: annual benefits

On a per point basis, Starwood points are probably the most valuable points currency out there. I value SPG points at about 2.2 cents each, and they’re actually the only points currency I value at over two cents per point. So I put all my Starwood hotel stays on this card, along with some spend in categories that don’t earn bonuses on other cards.

That being said, I’d keep the card alone for the fact that it offers two stays and five nights towards Starwood status annually. In the past I’d qualify for Starwood Platinum on 25 stays instead of 50 nights, but now I’m qualifying on nights given that you don’t get the 10 suite night awards annually if you qualify on stays. That’s basically like picking up night credits towards status at $13 each. Perhaps this is less of an incentive now that I live in hotels full time, though.

Starwood Preferred Guest® Business Card from American Express
Annual fee: $65, waived the first year
Keep or cancel: keep

Why I keep it: annual benefits

I like this card for exactly the same reasons as the personal card. They both offer the same bonuses, so the one reason to have both of them is because they each offer you two stays and five nights towards status annually. Between the two cards that’s four stays and 10 nights towards status, a very nice head start each year.

Bottom line

Anyway, that’s a summary of the cards I have. While they represent quite a bit in annual fees, I’m also getting tons of annual benefits out of each card, be it from everyday spend or for the annual bonuses they offer.

How many cards do you have in your wallet?

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Comments

  1. Heads up on the US Airways card, there are retention offers available. When I called to cancel, I was transferred to a retention rep and he offered to waive the $89 fee for $1,000 in spend over the next three billing cycles, plus 5K bonus miles once the spend is met. Not too shabby.

  2. i have most of the same cards and plan to follow a very similar strategy. there is really only 1 outlier. i value spg points similarly to you at 2.2 cents per point. personally, i would only use spg/arrival for non-bonus categories (and spg for domestic stays). i plan to cancel the arrival card once the fee is due since i get the same value out of spg card. is there a specific reason why you would keep the arrival and spg cards? i’m trying to understand if i’m missing something. thanks for your insight.

  3. As per your title, do you actually keep all those cards in your “wallet”? Or are some locked away somewhere? If so, which of those cards are actually in your wallet?

    PS It occurs to me that since you’re living in hotels, you may have no choice but to literally keep all those cards in your wallet. But 14 cards makes for one thick wallet…

  4. The Freedom bills itself as a “Cash Back” card. Just to clarify; do the points earned on Freedom have the same redeeming options as those earned on Chase Sapphire, for example?

  5. @Lucky,

    It seems like unless you spend a bunch on car rentals, uber (I’m sure thats free for you), trains, busses, and parking, that you may be better off dropping saphire and using the hyatt card for meals. It takes a bunch of spending on those non-covered categories plus the 7% bonus to make up for the $95 fee.

    That’s my plan, anyway, when my annual fee comes due. I have other cards which bonus airlines, hotels, and meals, though I guess I’ll have to see how much my 7% bonus is on chase portal spending. Maybe that will sway me, since I’ll probably have tens of thousands of points through that.

  6. I can update my spreadsheet to keep or cancel my cards. Your post just reinforced some of the “not sure” cards.

    @Scott, I was thinking the same thing about the Sapphire card and now can’t decide after reading this post.

    This week, when I called the reconsideration CS, he asked if I wanted to CANCEL the Chase Freedom card to free up the credit line. “NO!” was yelled out before he even finished his speech. I’m a little possessive of my no annual-pay Chase card for many reasons.

  7. Yet another mega-useful post. You’re on fire of late, Ben!

    I didn’t have the IHG rewards card but I think I will get that given the low fee and that I love Intercontinentals..

    Two questions:
    1. I thought the Platinum card from AmEx no longer allowed Delta lounge access?

    2. one thing I’m always concerned about, and have never gotten a clear answer to, is how opening and closing these credit cards affects your credit score. Do you find that when you open/close a line it impacts your score much, in either direction?

  8. Three thoughts.

    1. Are you putting $50,000 of 5x spend on the Ink? Because there is a no fee version that is capped at $25,000. Assuming 1.8 cents a point, you’d have to be putting like $38,000 on the $95 card to justify the annual fee. If you’re not doing that, you need to apply for the no annual fee version.

    2. The Fidelity Amex has no annual fee and earns 2% instead of 2.22%. Are you putting $27,000 on the Barclay to justify the annual fee? I’m just confused.

    3. You’ve been mentioning the $200 airline fee reimbursement as being a double dip for a few years now. (loyal reader) After year one, it’s not a double dip! So your annual fee is not effectively $50, though it may have been had you cancelled after 12 months. At this rate you are solidly paying $250 for the Delta lounge access, Priority Pass, and Centurion lounges. No joke

  9. @Stvr,

    I agree with your sentiment, but for #1, I think you are off on the math (13000 of addition 5x spending above 25000 would give you 65000 chase points which are worth $650 at .01 per point.) Chase waived my fee for my Ink card too, and Barclay’s will deal on the Arrival, so that’s another thing to consider. Chase doesn’t seem to waive the CSP, which was why I was picking on it.

  10. From another post that I couldnt get a reply on since it was older post, ill ask here.

    On your recent post about ET from Beijing to ADD

    “On another note, I realize that I was completely under dressed for this flight. We were the only male passengers not wearing a three-piece neon colored suit and top hat. Next time I’ll come dressed as Mr. Peanut.”

    Woah, Ben, you being a gay person, should know that, to receive tolerance after your Korean shindig, you should learn how to give tolerance as well. Shame on you.

  11. Careful there Kryton. You don’t actually expect the tolerance PC crowd to actually be tolerant do you? Frankly I found the secret photos of the shirtless guy in the Beijing lounge to be a little thoughtless as well.

  12. @Lucky, that was a very nice recap. What card(s) would you recommend for large spending items, such as paying for a wedding, making monthly rent or mortgage payments, etc.? Thanks

  13. 2. The Fidelity Amex has no annual fee and earns 2% instead of 2.22%. Are you putting $27,000 on the Barclay to justify the annual fee? I’m just confused.

    THIS.

    there’s little reason to keep the barclays card after a year. unless you spend $27k on it

  14. @adi_t

    With regards to the Amex Plat and DL lounge access. The change in the rules is that you can no longer bring guests for free. Each person entering requires their own Plat card or they will be charged the daily fee.

  15. I have the Citi Aadvantage Visa card and fly with American – would you suggest me opening the US Airways card, waiting for the merger of miles, and then canceling? It seems like a good bonus in it’s own – even with the $89 fee since you only need to make 1 purchase to get the 40,000 miles.

  16. Lucky:

    I got your point on this regarding the use of the Amex Hilton vs Citi Hilton. I know you are going to write about my situation at the beach, so I’m looking forward to your thoughts. In the mean time, I can’t seem to put a reason to spend even $10K on the citi version vs. using SPG. I guess I’ll wait for your words of wisdom!

  17. @ Alex — The card accrues points which can be redeemed for one cent each towards travel. However, if you have it in conjunction with the Sapphire Preferred, Ink Bold, or Ink Plus, you can convert those points into “premium” Ultimate Rewards points at a 1:1 ratio.

  18. @ Scott — That’s a good point, though Hyatt isn’t the only Ultimate Rewards transfer partner I value. I also love Singapore KrisFlyer and Korean Air SkyPass, and I greatly value the ability to transfer points to those currencies.

  19. @ adi_t — Thanks! The Platinum Card from American Express cut American and US Airways lounge access, and cut guesting privileges for the Delta lounge. So now you can’t take a guest into the Delta lounge anymore, but you can still access it if you’re the cardmember.

  20. @ Kryton — Sorry, not sure what “answer” you were looking for when you left the comment on another post, though I certainly read and appreciate all comments. No offense was meant with the comment, I genuinely loved how they were dressed. Sorry if it came across otherwise.

  21. @ Adam — Well the reason to spend $10K would be for the free weekend night certificate which you can redeem at a property that would otherwise be 95,000 points per night. That’s not to say it’s definitely worth it in your case, but I do think in general that represents a good value.

  22. Yeah I’d say the choice of cards in your wallet don’t really account very well for the cost of the annual fee. I’d like to see your justification for keeping those cards after the first year.

    I can’t think of any reason to keep the Barclay card after the first year, as I don’t have $27000 in unbonused spend to make it more worth having that then Fidelity card (not to mention Fidelity is straight cash back, Barclays card is only quasi-cash back).

    As others have said, the Chase cards are also hard to justify for their annual fee given the other cards you’re keeping for non-wallet purposes that could also bonus similar spend.

    Honestly you should probably just have the Fidelity card and maybe one premium Chase card in your wallet.

  23. Lucky,

    What is your opinion of the Amex EveryDay Preferred card? Is this something you might get in the future due to where they have the category bonuses? Seems pretty complimentary to CSP.

  24. @ Drew — Absolutely a great card, it’s the next AmEx card I’ll pick up. Definitely the Amex equivalent of the CSP, in my opinion.

  25. @Lucky: Just curious what your plan is for accessing AAdmiral’s Clubs on domestic itineraries if canceling the AAdvantage World Elite Mastercard? Are you planning on buying a membership with miles or just buying a membership outright? Obviously, the AAdmirals clubs access is pretty much the only reason that I am keeping this card, currently.

  26. @ UAPremierGuy — As of now I still have status with British Airways, which gets me into Admirals Clubs anyway. I’m not sure whether I’ll renew it or not, but if I don’t I’d probably outright buy a membership.

  27. still curious as to your selection as to keeping the barclays card – do you really spend $27K on it in a year (which would make the fee justified)? if not, why are you keeping the card

  28. @Lucky… reference to @Drew. If you are saying that the Amex Preferred Everyday is like the CSP, other than outside the country, would you use the APE for everyday purchases, or do you still feel that there is a better return from using SPG due to versatility?

  29. @ Adam — Assuming you’re doing at least 30 transactions per month, I prefer the EveryDay Preferred. I think 1.5 Membership Rewards points is more valuable than one Starpoint, and that’s not even factoring in the category bonuses on the card.

  30. Lucky: Wow! o.k. see this is my issue with all the card programs in general. Everything has its place, but i can only spend so much in a given year. I love using my Amex cards but when it comes to MR points, the best value comes in transferring to Airlines. When airlines don’t have decent travel choices for points, I feel like it’s better for me to have SPG points or other options versus using MR points to book direct. Other than card sign-ups, this is strategy that i have to figure out. Most of my travel is domestic vacations along the east coast due to airline programs devaluing and flight prices soaring. Thoughts? SPG, APE, CSP, HILTON, and Amex Plat are my cards in wallet today.

  31. @ Adam — Ultimately there’s no “one size fits all” points currency, so it makes perfect sense that what works for me won’t necessarily work for everyone. Personally I have no issues finding points availability using Membership Rewards points, given how many partners they have. If finding availability is an issue for you, maybe it’s worth considering the Barclaycard Arrival Plus, where you accrue cash back at a good rate and therefore don’t have to worry about points availability.

  32. Lucky: I see your point. My wife and I discuss our travel needs every year. It seems like most places we travel involve some type of hotel stay, so that is why we have focused more spend on SPG/Hilton then on MR. I wish we could fly around the world, but we aren’t there yet. Recently, we’ve drive more than fly. But as an example we are going to be flying from RIC to PBI in January. Flights right now are ridiculous to pay cash for 4 people, so I have to determine do I max the APE and use MR points for Delta miles (since AA is not an exchange partner), or focus spend on SPG/Hilton for the hotel stays. Or are you saying that using MR, I can get just as good of a deal on a stay at SPG/Hilton???

  33. @Adam you could transfer your MR points to British Airways and then use those points on BA to book your domestic AA flights. BA Avios are distance base awards.

  34. Hi Ben –

    What happened to the AMEX PRG? What was the reasoning to eliminate it, and what did you replace it with?

    I recently signed up for the AMEX Everyday Preferred, and I must admit that I am hooked. I am working to accumulate MR points, and this clearly seems the best way to do it. So, they are getting at least 30 swipes a month from me. 🙂 (The AMEX iPhone app is great as well, and the feature where you can track how many purchases you have made towards your 30 is nice.)

    AMEX Plat – they helped me when Wells Fargo and Chase both claimed there was no way. Picked up $1,000 the next morning at a local Nicaraguan bank, and they charged me no wire fees for the service. Wow. That experience, plus the new SFO centurion lounge, will keep this card in my wallet.

    I know you are a travel blog, but I think you should at least make a mention of the best cashback cards available. For many people, even 1% cashback is better than accumulating points and miles with hotels and airlines. In this category, my go to card is Discover.

    Thanks for the post,

    Lark

  35. @ Lark — That’s a good point. For what it’s worth, I recently closed my Premier Rewards Gold Card and will be getting the EveryDay Preferred Card soon, since I think it offers a better overall value proposition.

  36. @ Lucky – Once I get my bonus miles from Citi AAdvantage, Luthansa Miles N More MasterCard, and US Airways MasterCard, can I close them right away? What will happen to the bonus miles if I haven’t redeemed them yet?

  37. @ TravellingDDS — Sure you can close them and you get to keep the miles. Usually I wait until shortly before the next annual fee comes due.

  38. Lucky: just curious do you ever weigh in the advantage of using Amex cards for fraud protection over other bank cards regardless of a slight rewards difference?

  39. @ Adam — I probably should, but I don’t, to be honest. Have never actually taken advantage of it.

  40. @Lucky
    When you close a credit card right before one year, are you able to apply for the exactly same card again later when there’s another bonus for it? If so, how long do you have to wait for it?
    Thx for your answer, awesome blog btw!

  41. @ Odin — It all depends on the card. Some you can apply for again right away, some you can apply for again after 12-24 months, and some you can never apply for again.

  42. Hi Ben,

    Regarding the Chase Hyatt Visa Card, you mentioned: “(for domestic Hyatt stays I use the Starwood Business AmEx)”

    Shouldn’t you be using the Chase Sapphire Preferred Card for “domestic Hyatt stays”? The Starwood Business AmEx, will only give you 1pt per $1 spent n Hyatt stays, but if you use the Chase Sapphire Preferred, wouldn’t you get 2 pts per $1? Is there an advantage for using the Starwood Business AmEx on domestic Hyatt stays? am I missing something here?

    Thanks!!

  43. Ben

    For a couple of cards you say you “picked up a couple” to receive the intro offer. Do you just apply for the same card more than once?

    Also, do you cancel credit cards so that you can reapply for the bonus offers? In a previous comment you noted that some cards allow you to reapply right away, while others have 12-24 month wait period, or you can never reapply. Is that in the fine print or how do you know which cards you can never reapply for?

  44. I have a Citi Advantage Visa card and recently added the Citi Mastercard. I recently received notice of the annual fee of $95 on the Visa card. I called and asked if there were any reinstatement offers and was told no. I said that I did not need two AA cards and would cancel the Visa card. I was connected to another agent who said that to keep me they would offer a $95 credit when I spent $95. Also in addition for more than a year ( i can not remember the exact amount) they would provide 1000 AA miles for every month I charged $1000. I said that you are in effect waiving the fee. They said no it was not being waived. So it was just a coincidence that the credit was the amount of the fee.

  45. Ben- What are your thoughts on the Capitol One Venture Card? I signed up for it due to bonus points offer and double points on all purchases. Thanks!

  46. If I’m looking to maximize points so that when I do travel it will be in first/business class and trying to take advantage of transfer points between airlines/award programs, what would you say are the best few credit cards and loyalty programs to sign up for?

    Not necessarily looking to travel all the time or traveling in order to gain points.

    Thank you!

  47. Hello lucky I’m new on this post, I live in Tokyo running my own store, I don’t have any credit card yet but will start soon, I just want to know how do you use your cards in a round trip to anywhere from the ticket expenses to the soda and snacks that you buy on the supermarket , or if you have an example here in your blog.
    I really appreciate it.

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