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Sunday, June 16, 2024
HomePointsCredit CardsWhat’s in My Wallet 2023: Finally, Capital One

What’s in My Wallet 2023: Finally, Capital One

The contents of my wallet have changed since 2022 (see What’s in My Wallet 2022: Audits Welcome). Unfortunately, I have not. I am still disorganized and find myself missing out on points-earning opportunities and burning stay certs at uninspiring properties versus having them expire. The points game was a lot easier when my only job was keeping track of points. Nevertheless, here is what is in my wallet and why.

Groceries: 3X

  • Citi Premier

Everyday: 2X

  • Capital One Venture X
  • Citi Double Cash (need to convert an old Citi card to this)
  • Amex Business Blue

Utilities: 5x 

  • Chase Ink Cash: Internet, Cable, Phone

Gas: 3X

  • Citi Premier

Travel: 3X

  • Chase Ink Business Preferred
  • Citi Premier

Dining: 3X

  • Chase Freedom (Domestic only)
  • Citi Premier

Drugstore: 3X

  • Chase Freedom

Shipping: 3X

  • Chase Freedom

Advertising: 3X-4X 

  • Chase Ink Business Preferred: 3X
  • Amex Business Gold: 4X

Marriott: 6X

  • Bonvoy Business: 7% rebate

Hyatt: 9X

  • Chase Hyatt Personal: 15k receive one night free, 5k receive 2 qualifying nights

Revolving: 5X

  • Chase Freedom Flex up to $1500

Hilton: 12x

  • Amex Hilton Business
a group of credit cards
Churning since 2011


  1. Those AAdvantage cards are such throwbacks! Is it Thursday? I do appreciate your succinct list of what you use to get what reward.

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