What’s In My Wallet?

Here’s the current credit card portfolio I’m utilizing to earn airline miles, hotel points, and other free stuff.

What’s in my wallet?

  • Barclay Arrival Plus World Elite Mastercard
  • US Airways Premier World Mastercard
  • Citi Hilton HHonors Reserve Card
  • Citi American Airlines AAdvantage Platinum Select Mastercard
  • Chase Freedom

Barclay Arrival Plus World Elite MasterCard

Barclay Arrival Plus World Elite MasterCard

Barclay Arrival Plus World Elite Mastercard

This is a card that’s pretty much a staple in the wallet of anyone trying to rack up the points. With the annual fee just $89, plus waived the first year, it’s really a no-brainer. I tend to use this one for some basic day-to-day purchases, as well as for services like AirBNB that don’t really provide any direct benefits on a specific card.

Current Limit: $10,000

Spending: 2x points on all purchases

Sign-Up Bonus: 40,000 bonus points after spending $3,000 in the first three months of account opening.

US Airways Premier World MasterCard

US Airways Premier World Mastercard

US Airways Premier World MasterCard

Just a note that this card won’t be available much longer with the American Airlines and US Airways merger.

Killer sign-up bonus when I first applied for this card, I’m bummed for anyone who misses out on it.

Current Limit: $9,500

Spending: 2x miles on all American Airlines and US Airways purchases, 1x miles on everything else.

Perks: 50,000 US Airways Dividend Points (converting to AAdvantage) with any purchase and payment of $89 annual fee. Also receive two companion passes.

 Citi Hilton HHonors Reserve Card

Citi Hilton HHonors Reserve Card

Citi Hilton HHonors Reserve Card

I met the $2,500 in three months minimum spending bonus by booking my flights to Budapest for this April. I also booked my friends – overall the total bill for that was $2,000, and it didn’t take much more to reach it. I received 5x points for that purchase, unfortunately Norwegian Air is a budget carrier and doesn’t have their own credit card. Either way, nearly maxing out the minimum spend on this card allowed me to quickly move on to my Citi AAdvantage card.

Current Limit: $10,000

Spending: 10x points on Hilton, 5x on airlines/car rentals, 3x on everything else.

Perks: Two free weekend night certificates at any Hilton property, Hilton Diamond status.

Citi American Airlines AAdvantage Platinum Select MasterCard

Citi American Airlines AAdvantage Platinum Select MasterCard

Citi American Airlines AAdvantage Platinum Select MasterCard

This is the card I’m currently working on. When this month’s rent clears I’ll be at about $2,300 of the $2,500 minimum spend with more than two months to go in the minimum spending period.

Current Limit: $9,000

Spending: 2x miles on American Airlines and US Airways, 1x miles on everything else

Perks: 50,000 AAdvantage points when meeting the minimum spending threshold.

Chase Freedom Card

Chase Freedom Card

Chase Freedom Card

This card has been in my wallet since I was in high school. I’m not even sure what my current limit is without logging into my Chase banking account! I think it’s about $4,000. Simply put, this card is open because it’s one of my longest tenured credit lines and the quarterly bonuses are excellent. At no annual free, everyone should have this card. If you don’t, try to nab it during one of the signup bonuses; I believe friend of mine received $200 last year for meeting a $1,000 minimum spend.