My FULL Credit Card Strategy 2023 (Exposed)

It’s time to revamp my credit card strategy for 2023! Take a look at my favorite credit cards to use and which ones I want to get for more free travel, cash back rewards, and more! Click “Show More” to see Ad Disclosure, links, and additional information below.

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At the beginning of a new year, it’s a good idea to take an inventory of the credit cards you already have, which ones you want, and why you want them (i.e. what goals do you want to achieve?).

For me, my 2023 credit card strategy has 4 parts: CHASE credit cards, CORE credit cards, SUPPLEMENTARY credit cards, and NEW credit cards.

The overall focus will be primarily on cash back credit cards and secondarily on travel credit cards.

For CHASE credit cards, I’ll be using the Chase Freedom Flex as often as I can. That’s because the Chase Freedom calendar allows you to earn 5% cash back (issued as Chase Ultimate Rewards points) in useful, everyday categories that change every 3 months. Since you can earn at the 5% rate on up to $1,500 in spend per quarter, that’s 7,500 Ultimate Rewards points alone! There’s also the Shop through Chase portal and Chase Refer a Friend program to earn even more.

For CORE credit cards, I’ll be using my American Express cards (Amex Platinum for Schwab, Amex Gold, Amex Green, Amex Blue Business Plus) as my main 4, plus some additional cash back credit cards with no annual fee. Since I redeem my Amex Membership Rewards points for cash back into my Schwab brokerage account, it makes for a great cash back setup.

For SUPPLEMENTARY credit cards, these are the ones I use for more isolated situations. I use airline credit cards (currently just the CitiBusiness AAdvantage Platinum Select) for perks / benefits, but not for spend; hotel credit cards for the same reason, but also for spending directly at hotels; and miscellaneous cards for select airport lounge access, individual retailers (e.g. using my U.S. Bank Altitude Reserve card for Costco and Target), and for other reasons like when I want 1 credit card for everything.

For NEW credit cards, there are currently 8 on my radar, one of which is the BILT credit card.

Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

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