My Wallet

Last update: October 31, 2017

Inspired by The Points Guy, I’ve recently started working to maximize my credit card and other rewards programs. While I’m willing to work pretty to find a good deal, I don’t want to complicate my rewards too much.

I do NOT receive referal bonuses for any of these cards or services.

Card Annual Fee Reason 2018 Plan
Chase Sapphire Preferred $95 2x UR points on travel/dining card due, primary auto insurance, and trip protection. Upgrade to the Chase Sapphire Reserve to get the 1.5 x value when redeeming for travel and lounge access.
Chase Freedom Unlimited $0 1.5%/1.5 UR points on "everything else" . No Change
Amex EveryDay┬« Credit Card $0 2x Membership Rewards points on groceries. I chose this over the Blue Cash Everyday Card, because I wanted access to Membership Rewards. I didn’t want to add another annual fee for a card I wouldn’t be using that much. No Change
Citi Costco Anywhere Visa $0 4% cash back on gas purchases. Once I upgrade to the Chase Sapphire Reserve, I will probably stop using my Costco Anyhere Visa.
Chase Freedom $0 5%/5 UR points on rotating Categories (e.g. groceries and restaurants). No Change
Marriott Rewards Premier & Marriott Rewards Premier Business $85 & $99 30 (15 for each card) Elite night credits (good for Silver Status), 2 free Category 1-5 stays each year, and 5x Marriot points on Marriott purchases. No Change
IHG Rewards Club Select $49 Platinum Status, a free stay each year, and 5x IHG points on IHG purchases. No Change
United MileagePlus Explorer $95 Keep my United miles from expiring, allow access to additional award flights, 25% MileagePlus X bonus.
Note: I do not use this card for any purchases.
No Change
Total $423

My primary focus is on the Chase Ultimate Rewards program due to the 1.5 x value when redeeming for travel on the Sapphire Reserve. I don’t have a specific goal with my Amex Membership Rewards points, but many of the offers have been too good to pass up even if I end up redeeming my rewards for cash.

Rewards Programs and Status

I also use the United MileagePlus X app when it isn’t too much of a pain.