What’s In my Wallet: November 2019

If it isn’t broke, don’t fix it! An easy saying that can be universally applied to just about any field. The saying also works in the credit card game. There may not be any new changes from last months post, but the reason for that is simple. The setup is perfect as is, no need to change it. 

Cards In my Wallet

  1. Chase Sapphire Reserve
  2. Chase Freedom
  3. Blue Cash Preferred
  4. Discover IT
  5. World of Hyatt

Strategy

  • Chase Pay / Samsung Pay: Chase Freedom (5%)
  • Everything Else: Chase Sapphire Reserve

As a continuation from last month, the name of the game is maximizing the quarter by spending a total of $1,500 on the Chase Freedom. This can be easily accomplished with the combination of Chase Pay partnering with Samsung Pay. Still, I’ve had the great luck of going to many merchants where I’ve had to physically hand over a card, so I had to put charges on the Sapphire Reserve instead. I’ve still got plenty of time, but the quarter isn’t going to last forever either. 

Next Card

The next card I’m looking to apply for is the IHG credit card. Unlike my other applications, I actually don’t have a set schedule for when I’m planning to apply. The problem is I’m waiting to close on a house, so when that happens, I will run out and apply for this card, but until then, I’ll just have to sit around and wait.

The IHG card has an $89 annual fee and comes with a few key benefits. The first benefit is available right away, and that is the top tier status that can be used to match to different hotel loyalty programs. The second benefit that makes it a long term keeper card is the anniversary night every single year thereafter. 

Final Thoughts

The best feeling is when you’re earning a ton of points on purchases you would make anyway. With my setup the way it is currently, that just happens to be the case. My spending isn’t crazy high, which means that more than every, every purchase really has to be maximized to get the absolute most value. There’s no better way than earning 5% back from the Chase Freedom card. For any other instance, it doesn’t hurt too much to throw it on the Chase Sapphire Reserve either.

How does your strategy look this month? Let us know down in the comment section below. 

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