What’s In My Wallet

One way I save money on travel and get to fly in style (business and first-class) is by leveraging credit cards as tools. But comparing dozens of credit cards can be overwhelming. Which ones are in my wallet? Here are the credit cards I personally use–and why I think they’re worth keeping year after year (even with the annual fees). If you are interested in one of the cards below, applying through the links below would be a way to support me and the site. I appreciate the consideration!

Chase Sapphire Preferred Credit Card

Chase Sapphire Preferred

“The best all-around travel card”

Bonus: Earn 50,000 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening— that’s $1,250 toward travel when you redeem through Chase Ultimate Rewards.
Annual Fee: $95
Why It’s Worth it:

NOTE: You can’t hold both this card AND the Chase Sapphire Reserve card at the same time. You have to choose one and apply for the other after 48 months.

  • Transfer points to 13 airline or hotel partners, including United Airlines, Singapore Airlines, Hyatt, Marriott
  • 0% foreign transaction fees–a must if you travel overseas
  • The points are 25% more valuable when redeemed for travel through Chase Ultimate Rewards
  • Primary car rental coverage, up to the car’s value

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Chase Freedom Flex or Chase Freedom Unlimited

“Best no annual-fee card where you can still earn a lot of points”

Bonus: Earn 15,000 20,000 points after you spend $500 on purchases in your first 3 months from account opening–valued at $200 in cash back
Annual Fee: None
Why It’s Worth it:

  • No annual fee, which makes it a great starter card
  • The 5% rotating categories can fast-track your points
  • Points can be combined with premium cards, like the Chase Sapphire Preferred or Chase Sapphire Reserve

Learn More