Which Cards Are In My Wallet: February 2020

January has done the impossible and stretch itself to what feel like a few years. I have a feeling though that February is going to fly by. What cards do I have, and how do I use them most effectively in this February leap year?

Cards In My Wallet

  1. Chase Sapphire Reserve
  2. Blue Cash Preferred
  3. Chase Freedom, 
  4. Mlife Loyalty Card (MGM, Pearl Status) 


  • Grocery Store: Blue Cash Preferred (6%)
  • Gas: Chase Freedom (5%)
  • Business Expenses: Chase Ink Business Preferred
  • Restaurants: Chase Sapphire Reserve (3x)
  • Travel: Chase Sapphire Reserve (3x)
  • Everything Else: Chase Sapphire Reserve (1x)

There really isn’t any major change between last month and next. And actually even worse, I don’t have a new update as far as getting any card anytime soon. So for the time being, grocery will be put on the Blue Cash Preferred, gas is still going on the Chase Freedom, and business expenses are going on the Chase Ink Business Preferred. The Chase Sapphire Reserve will stay the course and be carry restaurants, travel, and even cover ever other purchase I throw at it. 

Next Card to Apply for: IHG

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

I think the next few months may be a little bit slow in the way of credit cards. I’m getting closer and closer to applying for a mortgage. I’ve been waiting the lesser part of a year now since I’ve last applied for a credit card, and I know when I’m able to again, things might get a little wild pretty quickly. For now though, everything is just about maximizing the current cards that I have and enjoying them and their perks.

Has your credit card strategy changed at all since last month, or even last decade? Let us know down in the comment section below. 

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