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Credit Cards I Use Most Often These Days

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I recently got rid of a bunch of credit cards, which felt really good. It’s nice to give the old wallet a dusting every once in a while and get rid of cards that are no longer worth keeping. Right now, I’m all about cutting back and minimizing the amount of stuff I have. Unfortunately, I do have to keep some credit cards for manufactured spending purposes, otherwise I’d cut way more. So which credit cards have I been using the most these days? Below is a breakdown:

 

Chase Freedom Unlimited

The Chase Freedom Unlimited is my go-to card for most bills and large purchases. It earns 1.5 Ultimate Rewards per $1 spent, which is awesome. I also use this card for the occasional spending where I’m not earning any kind of category bonus. For example, my sister, who is a college student, let me know recently that her school accepts credit card payments for rent. The fee is just $3, regardless of payment amount. I prepaid a few months using the Freedom Unlimited card and generated a nice stash of points for very little out of pocket. This is an all-around great card that I plan on keeping for as long as Chase will have me.

 

Fidelity 2% Cash Back Card

I’ve been using the Fidelity Rewards Visa largely for manufactured spending. The card has no annual fee and pays out 2% cash back on all spending. I use it to order gift cards online, which helps me generate a a $38 profit per $2500 purchase. Sometimes I use it to buy cards at my local mall. While the profit margins are lower, I can buy larger amounts at once, allowing me to churn my credit line multiple times. I use the cash back from this card as a sort of savings account. I may use it to pay for travel when redeeming miles doesn’t make sense, or save it for a rainy day.

 

Chase Ink Plus

I’m lucky to have gotten a Chase Ink Plus before they discontinued it. Truth be told, I haven’t always been good about maxing out the 5x office supply store bonus, but I’ve bene making more of an effort to do so lately. Every month, I put my cell phone and cable bill on this card. Additionally, I’ve gotten better at placing regular orders of $3,600 – $5,400 worth of gift card orders online from office supply stores. That way, I’ll actually max out the $50,000 limit on 5x office supply store spending every year.

 

Citi Prestige Card

I’m probably going to cancel the Citi Prestige card since the annual fee is increasing and other benefits are devaluing on January 4. But over the last few months I’ve been using it mainly for the dining category bonus and to generate extra ThankYou points through Visa gift card purchases. Nowadays, I dine out at least twice a day, so that category bonus really stacks up. Will I keep the card next year? No. I plan on replacing it with a Citi Premier card instead.

 

Citi AAdvantage Platinum Card

I have more AAdvantage miles than I can redeem right now, partly thanks to the Citi AAdvantage Platinum Card. Not only did I get a 75,000 mile bonus from it earlier this year, I’ve also been using it to generate miles from mortgage payments made through Plastiq. MasterCards are the only option for using Plastiq for mortgage payments, so I’ve been using this card out of habit, after using it to meet a spending requirement.

 

That’s pretty much it for the moment. There’s nothing too exciting about the credit cards I’m using these days. I try to maximize category bonuses, but my gift card churning habits make up for any laziness on that front. Next year, things might look a little different.  I’ll likely get rid of the Citi AAdvantage and Prestige cards. The remaining cards above are ones I’ll keep long term and continue to use fairly regularly.

 

Which credit cards do you use most often?

Ariana Arghandewal
Ariana Arghandewal is a travel hacker and travel rewards expert who earns over 1.5 million miles every year. When she’s not contributing to Frugal Travel Guy, she publishes her own points and miles blog, PointChaser.com. You can connect…
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  • Earn 40,000 bonus miles and 10,000 MQMs after you spend $3,000 in purchases with your new Card in the first 3 months.†
  • Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Pay no foreign transaction fees when you spend overseas.‡
  • Complimentary Delta Sky Club® Access.‡
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