Credit Cards: What's in My Wallet for 2024

#152: Chris reviews his credit card lineup, sharing insights on what he currently uses, what's on the back burner, and some new additions for 2024. He also shares the best card strategies to optimize points across major spending categories such as dining, groceries, travel, and more.

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Resources Mentioned

All the Hacks:

Credit Cards Page
Chris’ Card Value Optimization Tool
Chris' Airline/Hotel Transfer Partner Spreadsheet
Newsletter
Email for questions, hacks, deals, feedback: podcast@allthehacks.com

Welcome Bonuses:

Note: All information about Hilton Honors American Express Aspire Card and
The Platinum Card® by American Express have been collected independently by All the Hacks. The card details on this page have not been reviewed or provided by the card issuer.

Hilton Honors American Express Aspire Card: 150k Hilton Honors Bonus Points (spend $6,000 within first 6mo)
The Platinum Card® by American Express: 150k Membership Rewards® Points (spend $8,000 in first 6mo)

Cards for Dining:

4x: American Express® Gold Card, Capital One® Savor® Cash Rewards Credit Card
3x: Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, Chase Freedom Unlimited®, Bilt Mastercard® (use the card 5 times each statement period to earn points - Rewards & Benefits), Citi Premier® Card, Wells Fargo Autograph℠ Card

Cards for Groceries:

4x: Amex Gold (on up to $25k per calendar year in purchases, then 1x)
3x: Capital One® Savor® Cash Rewards Credit Card, Citi Premier® Card

Cards for Travel:

10x for hotels & rental cards via portal: Capital One® Venture X Rewards Credit Card (via Capital One Travel), Chase Sapphire Reserve®(via Chase Ultimate Rewards®)
6x on Bonvoy hotels, 15 Elite Nights, Free Night Awards: Marriott Bonvoy Business® American Express® Card
6x on Bonvoy hotels: Marriott Bonvoy Brilliant® American Express® Card
5x: The Platinum Card® by American Express (on flights booked directly with airlines or through American Express Travel®)
5x for flights booked via portal: Capital One® Venture X Rewards Credit Card (via Capital One Travel), Chase Sapphire Reserve® (via Chase Ultimate Rewards®)
5x via portal: Chase Sapphire Preferred® Card (via Chase Ultimate Rewards®)
3x: Chase Sapphire Reserve®, American Express® Green Card, Amex Gold (on flights booked directly with airlines), Citi Premier® Card, Chase Ink Business Preferred® Credit Card, Wells Fargo Autograph℠ Card, Citi Premier® Card
2x: Bilt Mastercard® (up to 100,000 points in a calendar year)
Free Night, Resort Credit, Diamond Status: Hilton Honors American Express Aspire Card

Cards for Cell Phone Services:

Cards for Gas:

8x: Wyndham Business Earner® Card (on qualifying gas purchases)
3x: Citi Premier® Card, Wells Fargo Autograph℠ Card

Cards for Specific Stores:

5x at Target: Target RedCard™
5x on Amazon.com: Amazon Prime Rewards Visa Card
2x at Costco: Capital One® Venture X Rewards Credit Card

Cards for the 'Other' Category:

2x: Capital One® Venture X Rewards Credit Card, Citi® Double Cash Card

Cards for Top Spend or Rotating Categories:

5x: Citi Custom Cash℠ Card (up to $500/mo on Top Spend Category), Chase Freedom Flex℠ (on up to $1,500 in combined purchases in bonus categories every quarter)

Business Cards:

3x on Travel: Chase Ink Business Preferred® Credit Card
3x on Dining: Chase Freedom Unlimited®
2x on Everything: Capital One® Spark® Cash Plus

Potential Cards for 2024:

Bilt Mastercard®: 1x on rent payments (up to 100,000 points in a calendar year), 3x on dining, 2x on travel, 1x on everything, plus double points on Bilt Rent Day (6x on dining, 4x on travel, 2x on everything) if you use the card 5 times each statement period to earn points (Rewards & Benefits)
Delta SkyMiles® Platinum American Express Card: Free checked bags, a companion certificate, 15% off award bookings
Capital One® Savor® Cash Rewards Credit Card: 4x on dining, entertainment, and streaming, 3x on groceries, 10x on Uber and Uber Eats plus complimentary Uber One membership
Wells Fargo Autograph℠ Card: 3x on dining, travel, gas, transit, streaming, and cell phone services
U.S. Bank Altitude® Reserve Visa Infinite® Card: 3x on mobile wallet purchases and travel. Also includes a Real Time Mobile Rewards feature