https://www.youtube.com/embed/PShefVnrSug A concern that I often get is what cards
do you have in your wallet. Given that things change so typically in this hobby,
I believed it would be good to go back and evaluate the cards that Im using today
in 2019. Hey, hows it going everybody? Its Ernest from Trip Astute. Hope you had an excellent if youre in the United States
4th of July. In this video, were going to examine what
credit cards have remained in my wallet, which ones are new, and which may be leaving soon. The last time I did this sort of video was
at the end of in 2015, so I believed it would be excellent for me to do another one at the mid-year
point.Of course, we all have different lifestyles
and costs patterns, however I think hearing what others are bring and why can assist
influence others, specifically if you have similar spending patterns or goals. But first, if youre new here, welcome to
our channel. Journey Astute is a travel channel that is focused
on sharing ways to make travel simpler, economical, and more pleasurable. Traveling can be pricey and stressful,
Were looking for methods to assist you maximize your experience through travel tips, points
and miles, and ingenious equipment. If that sounds intriguing to you, please
think about subscribing. To start, well cover the newbies
in my wallet this year. 1. Chase Ink Business Unlimited: I already have
the other two Ink Business cards, so I believed I d get the last and 3rd card. It came with a 50,000 point welcome offer
without any yearly cost, so it looked like a lot. Likewise, I seem to be putting most of
my service costs on this card now.Since a lot of my expenditures for Trip Astute
are around innovation product or services, this looks like a much better card for those purchases
in regards to making points. In case youre questioning, when I applied
for the card, I didnt get an automated approval. It took about two weeks for me to hear the
When calling the Chase status line, approval status modification. I got a $3000 credit line too, which wasnt.
much, so I ended asking to have a few of the credit line moved from my other Chase organisation.
cards.2. American Express Blue Business Plus: I wasnt.
planning to get this card, however I got a targeted offer from American Express for.
20,000 Membership Rewards points. I chose to get it considering that Im likewise earning.
Membership Rewards points with my Gold Card. If I choose to cancel, I also figured that.
the Gold card, then it this would be a fantastic card to have in order to maintain my Membership.
Benefits points. In spite of my crazy preparation and method, it.
is a terrific company charge card with its 2X points on all purchases and no annual cost. 3. Citi Dividend: If youve seen our rotating.
benefit classifications videos, youll understand that I now have this card. The card is not offered for new candidates,.
It is available as an item modification. Since I had a Citi Double Cash card that wasnt.
being used, I figured I would item alter it to the Citi Dividend to take benefit.
of the turning 5% money back categories. Obviously, Citi will allow you to convert.
many of their cards to the Dividend card. Even co-branded and Thank You rewards cards.
appear to be eligible for conversions. This might be a consideration if you have.
a Citi card that you want to cancel or downgrade.4. American Express Blue Cash Everyday: This.
is another card that was an outcome of an item modification. I used to utilize the American Express Blue Cash.
Preferred for all my grocery and fuel expenditures because it makes 6% on groceries and 3% on fuel. However, since I got the American Express.
Gold Card, thats become my main card for groceries. This may alter before the end of.
the year. It depends on whether Im going to keep.
the Gold card, which Ill touch on later in this video. And now, here are the cards that have actually ended up being.
a regular part of my daily carry this year: 1. Chase Sapphire Reserve: No surprises here. You all know how much I enjoy Chase Ultimate.
Benefits points. I still get a lot of worth from my Sapphire.
Reserve. The $300 travel credit is very simple to redeem,.
so it makes the yearly cost feel more like $150. Plus, I need to confess that having the Priority.
Pass lounge benefit has actually been extremely helpful when traveling. In fact, Ive even had a chance to utilize the.
dining establishment credit a couple of times at the airport. The $30 credit per individual is a terrific perk.
and really helps to offset the yearly cost, along with all the other take advantage of the.
card. A few of you might be questioning why I would.
When I have the American Express Gold for dining, continue to keep the Sapphire Reserve.
out purchases. Its an excellent question, and its a location.
where I truthfully feel a bit conflicted. Because Im not 100% sold on keeping the Gold.
card after my very first year, I wanted to keep the Sapphire Reserve. Plus, the travel perk category is important.
to me, together with the lounge benefit.I know that many individuals have actually had issues.
with lounges declaring no extra capability for Priority Pass members. Weve still managed to optimize.
the benefit and conserve cash on food or beverages while traveling. 2. Chase Ink Business Cash: This is a powerhouse.
company card that I love. I have another small company that I run,.
so I use the Ink Business Cash for all those costs. I likewise charge my web and streaming services.
on this card because it makes five points per dollar on buy from workplace products stores,.
cable television, phone, and internet services.This card quickly makes me over 1000 Ultimate.
Benefits points each month with simply my normal spending, and it doesnt have an annual.
cost. Ive also been driving a lot more for work.
with my new task, so this has actually become my primary fuel card because Ive been filling up my.
tank at a Costco Gas near my workplace. 3. Chase Freedom: This is another workhorse in.
my wallet. This is my favorite turning bonus.
classification card since it also makes Ultimate Rewards points. There are constantly a few quarters throughout the.
year where Im able to make 7,500 Ultimate Rewards points. Since the card has no yearly cost, its definitely.
remaining in my wallet. 4. Chase Freedom Unlimited: This is my go-to.
card for many of my non-bonus spend. Like the Ink Business Unlimited, it just earns.
1.5 X points on all purchase. However because I can redeem each point at 1.5 cents.
utilizing my Sapphire Reserve on the Chase Travel Portal, the Freedom Unlimited has a changed.
making rate of 2.25%. If that does not make any sense to you, examine.
out our points worth video for more details. 5. US Bank Cash Plus: This is another 5% rotating.
benefit category card.However, the catch is that you get to choose.
your 5% categories every quarter. It also has some 2% categories where you can.
You can also use it to make 5% on home energies. Its a great card to have to fill in some.
of the perk category spaces in your card collection. Oh, and if youre questioning whether I choose.
points or money back, I normally choose to make points. Nevertheless, when I do make cashback, I like to.
assign it toward my travel budget plan. 6. Discover It: Like the Chase Freedom and Citi.
Dividend card, the Discover It earns cash back on turning bonus categories. Its not one of my preferred cards, but it.
does have useful categories and Ive had it for a long time.Ok, so those are the cards that I in fact.
carry in my wallet. However, I do have a lot of other credit.
cards that I dont always carry with me all the time, however keep active considering that I get.
some type of advantage or reward with them. Here a list of cards that I have too: 1. Chase IHG Rewards Club Select: Ive covered.
this card in numerous of our videos. Due to the fact that I get Platinum Elite Status, I keep it.
with IHG, and more importantly, a free anniversary night certificate as part of my $49 annual.
fee.These 2 advantages are worth a lot more than.
the yearly charge. Chase is attempting to get me to upgrade to the.
new IHG Rewards Club Premier card, but truthfully, I dont feel hurried to do it. There are a few compelling brand-new benefits, like.
the free night when you redeem points for stays that are 4 nights or more. Nevertheless, I do not want to pay the $89 yearly.
charge right now. That may change in the future when we start.
planning our trips for 2020. The next card on my list is the Chase Hyatt.
card. I still have the older Hyatt card which has.
now been changed by the World of Hyatt card. Like the IHG Rewards Club card, the older.
card offers a bump in loyalty status and a free night every year with an annual fee.
of $75. The World of Hyatt card provides extra.
perks and benefits at $95 per year.There are a load of incredible hotels in Hyatts.
portfolio where you can utilize your annual certificate. Considering that I can almost ensure that Ill get.
a space for more than the worth of the yearly charge, its worth me keeping this card. A lot of people have actually asked me whether.
I prefer the IHG Rewards Club Premier or World of Hyatt. For me, they are both great cards to have.The way I see it, the IHG Rewards Club Premier.
gives you a more valuable status upgrade and redemption perk, though I tend to prevent transferring.
Chase UR points to my IHG account because the points tend to hold less value. The opposite seems to be real for Hyatt. The status bump doesnt get you much, but.
Im most likely to move Chase UR points over to Hyatt considering that I can get relatively decent.
award redemptions with my points.Next is the Chase United MileagePlus Explorer.
card. I never ever utilize this card, but I keep it for the.
lounge passes, complimentary check-in baggage, top priority boarding, and additional award availability. Youll in fact see if you have this card.
more award seat schedule for flights when redeeming points. To me, these advantages deserve the $95 annual.
fee. Ive contemplated getting rid of this card.
for a while, but the extra award schedule and benefits keep me from canceling it.Lastly, I do have 2 USAA credit cards that.
are likewise in the drawer. When I was, I got both of these credit cards.
a cadet in college. The only factor I even keep these cards is.
So canceling them would most likely impact my credit due to the fact that they are my oldest credit cards.
score because it would reduce my typical age of accounts. And regretfully, there are three charge card that.
are on the slicing block this year. I havent really canceled these cards,.
but Im trying to choose how Im going to move forward. In truth, Ill most likely only cancel among.
them, so I d enjoy to get your opinions on which I need to keep.The first card that may be leaving is the.
American Express Gold Card. I know I keep hinting that Im going to.
cancel the Gold card, and I have to admit that Im leaning because instructions. Since I truly prefer Chase, its mostly.
Ultimate Rewards points. Even though I can make more points with the.
Gold card, I am simply less fired up about earning Membership Rewards points. I understand I may be insane, however I simply prefer.
the versatility that I get with Chases Ultimate Rewards. Likewise, while I like having a strong factor.
to go to Shake Shack on a monthly basis, I do not understand that its something that I would generally.
do. In fact, Im just not a fan of how American.
Express structures their credit redemptions. I simply discover them more difficult to utilize for my lifestyle. So, unfortunately, this card is probably going to.
be canceled this year. That implies that Ill likely product modification.
the American Express Blue Cash Everyday back to heaven Cash Preferred and make it my.
main grocery and fuel purchase card.Even though it earns cash back rather of.
points, I can put it toward our travel budget plan. The 2nd card on the chopping block is the.
Chase Ink Business Preferred. This was my main business card for Trip.
Astute. To be truthful, Im not sure I am going.
to keep it. Ive shifted the majority of my company spending.
onto the Ink Business Unlimited, which appears to be a better fit for my business costs.
patterns. There are 2 reasons I am hesitating with.
canceling the card. One is that I do like the cellular phone defense.
offered by the card. Ive never ever used it, and Im typically cautious.
with my electronics, so it may not make good sense for me to pay the annual cost just for.
this perk. The 2nd reason is no foreign deal.
fees. A few of my overhead for storage.
and website plugins are outside the US, so I d much rather have the charge on a card.
that does not have foreign transaction fees. The other card is the Chase Southwest Rapid.
Rewards Premier Business.This is another card that Im just not utilizing. I got it because I wished to extend my Southwest.
Companion Pass another year, and the welcome deal points counted towards the certification. The excellent thing is that the card has an annual.
advantage that mainly offsets the $99 yearly cost. With the brand-new Southwest Rapid Rewards.
Performance Business card that simply came out, it may be worth canceling this card and.
obtaining the brand-new one. I like that the new card has some overlap.
with the Ink Business Preferred in perk classifications, and I think I might utilize the updated boardings.
and inflight wifi credits.My original strategy was to cancel the Ink Business.
Preferred and keep the Southwest Rapid Rewards Premier Business card rather given that it does not.
have any foreign transaction charge. Though now that the brand-new card is out, its.
complex things a bit more for me. , if you have any ideas or ideas on.
what I should do, I d love to hear it. And thats my wallet conclude for July 2019. Im thinking about doing a review of Fionas.
wallet also. Shes not as hardcore as me when it comes.
to optimizing points, so I believe it may be fun to take a look at what cards she utilizes and.
how we browse earning points when we have different levels of interest in this hobby.If thats something that you d wish to.
see, let us know. Also, I d enjoy to hear what cards have signed up with,.
stayed, and left your wallet this year. , if youre interested in using for a credit.
card, we would enjoy it if you used our link in the video description or on our website. Its an easy way to support our channel,.
If youve found our content to be important and handy, specifically. Likewise, if you need any assist with selecting the.
best credit card or establishing a card method, sign-up for our complimentary card assessment service. You generally complete a questionnaire and.
schedule a 15-minute video or audio call with me to evaluate your recommendation. As always, we hope you delighted in the video and.
discovered it helpful. Please give us a thumbs up and think about if so.
sharing the video with others. It really assists us with growing our channel.
and community.Until next time, travel safe and travel wise. As found on YouTube – Creative Commons License.
Its a great card to have to fill in some.
Here a list of cards that I have as well: 1. Chase UR points to my IHG account given that the points tend to hold less value. The status bump doesnt get you much.
Unfortunately, this card is probably going to.