4 Credit Cards I’m Using Right Now

There are a ton of travel and rewards credit cards available today, most of which offer big signup bonuses to entice you to sign up. However, I haven’t signed up for a new credit card for at least six months — and I think I only signed up for two or three new cards over the last 18 months. Since I would like to keep my options open to get under 5/24 or be able to qualify for better and newer offers as they come out, I’m currently pausing new applications and focusing on the cards I have.

Which cards do I use the most? Here are the four rewards credit cards you’ll find in my wallet.

Chase Sapphire Reserve

While the Chase Sapphire Reserve card comes with a generous welcome bonus, a $300 annual travel credit, Priority Pass Select membership, and other perks, I mostly utilize it for travel and dining spending. That’s because this card offers 3x points in those categories, which adds up quickly since we travel a lot. I use this card for almost all of our regular purchases, but especially when I pay for airfare, hotels, or dining out.

Ink Business Preferred Credit Card

My husband and I use our Ink Business Preferred card from Chase for all our business purchases, mostly because some of the 3x categories this card offers align with our business spending. With this card, we earn 3x points on up to $150,000 spent each year in categories like social media advertising, shipping, and internet, cable, and phone purchases. We also use this card for all our business purchases that are set up on autopay.

Hilton Aspire Credit Card

I have been building up a huge stash of Hilton Honors points for a while now, and I just redeemed 800,000 of them for my 40th birthday trip to the Hilton Aruba. But I’ve grown to love the Hilton Honors program and this card, really. Not only does the Hilton Aspire give you 14x points on Hilton purchases, but you get 7x points on flights booked with airlines or AmexTravel.com, select car rentals, and restaurants and 3x points on all other purchases. You also get a free weekend night every year, a $250 resort credit, a $250 airline credit, and other perks.

Gold Delta SkyMiles from American Express

I signed up for the Amex Gold Delta SkyMiles credit card last year, and I’ve been using it ever since. The initial offer I got was a targeted one good for 75,000 miles and a $200 statement credit, so I was enticed to use the card right away. I’ve gotten a lot of value out of Delta SkyMiles lately despite the fact they don’t have an award chart. This card only doles out 2x miles on Delta purchases and 1x miles on everything else, but I still use it occasionally when I make a small purchase.

The Bottom Line

These are the cards I’m using the most right now, but it wasn’t always this way — and I’m sure things will change soon. I go through periods where I value one currency more than the other, or where I’m trying to earn a specific type of rewards for a specific trip.

The key to earning more rewards over time is always using a card that earns points and miles for purchases when you can use a credit card. The card you use is ultimately up to you.

What rewards cards are you using right now? Why?


[Image Source: Shutterstock]

Source: frugal travel guy

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