What’s in My Wallet: 2021

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Disclaimer: I don’t make anything off of credit cards. It’s a shame. 


TPOL has slipped when it comes to maximizing the use of his credit cards for points. Perhaps it’s because I do not travel anymore (see What’s a Travel Blog Without Travel?) or perhaps because I am lazy. Hopeful that travel is coming, I have taken a hard look at my credit card portfolio and put together a plan to maximize each.

Wallet

  1. Blue Business Amex: 2x on everything. The problem is that Amex is not readily accepted in Puerto Rico.
  2. Chase Freedom Flex: I need to pay attention to these rotating categories and maximize the 5x. The 3x on dining and drugstore purchases is huge.

Mercenary 

These cards have mins I have to meet. Once they are met, they will go back in the binder.

  1. Chase Hyatt: I need to hit the 15k mark to requalify for Globalist and receive the free night.
  2. BREX: Need that 110k points.
  3. Barclays JetBlue Business: 100k bonus.

Automatic

  1. BRG: I use this for digital marketing and receive 3x.
  2. Chase Ink Preferred: I use this for digital marketing and receive 3x. I also charge my phone bill here to take advantage of the insurance program.
  3. Chase Ink Cash: 5x for Internet. 2x for gas.

Keep Forever 

I have called in retention for these cards and this year it was successful. However, I wouldn’t cancel them anyway because the free nights offset the annual fee.

  1. Amex Marriott Bonvoy Personal
  2. Amex Marriott Bonvoy Business
  3. Chase Marriott Personal
  4. Radisson Personal & Business 
  5. IHG

Leftover

  1. Citi Rewards +: Open to keep my ThankYou points alive.

Cancel 

  1. Alaska BoA

What am I missing?

The points waterfall

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