My Wallet

Last update: December 28, 2018

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 referral bonuses for any of these cards or services. 

Card Annual Fee Reason 2019 Plan
US Bank Altitude Reserve $400 ($75 effective) 3x points on mobile wallet purchases and travel. $325 annual travel credit applied automatically to travel purchases. Points are worth 1.5x when redeemed for travel, primary auto insurance, trip protection, 4x Priority Pass lounge visits. I wasn’t into mobile wallet purchases until I purchased an Apple Watch which is far more practical for payments than a phone No change
Chase Sapphire Preferred $95 2x UR points on travel/dining card due, primary auto insurance, and trip protection. Downgrade to the Chase Sapphire if possible. With the addition of the Altitude Reserve, I don’t need the travel earning or insurance of the Preferred or Reserve
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
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 15 Elite night credits (good for Silver Status), 2 free Category 1-5 stays each year, and 5x or 6x Marriott 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 TravelBank Card $0 Didn’t want to close this account so I downgraded my United MileagePlus Explorer to this without the annual fee No Change
Uber Visa Card $0 I don’t have this card but plan to apply for it for the 4% earning on dining with no annual fee Add this card
Total $728 ($403 effective)    

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.