WHAT’S IN MY WALLET Q4 2022 | Credit Card Strategy 2022

Take a look inside my wallet to see which credit cards I’m using for Q4 2022! This time around you’ll find a blend of travel credit cards and cash back credit cards, each one with a unique purpose Click “Show More” to see Ad Disclosure, links, and additional information below.Show more

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For Q4 2022, I’m focusing my credit card rewards across 7 cards:

1. Amex Gold Card: I’m using this Amex charge card for dining and grocery store spend as it earns 4X Amex Membership Rewards points in each of those categories. To offset the $250 annual fee, it also comes with a $120 dining credit at select merchants and a $120 Uber Cash benefit. Both of these are issued as $10/mo. and I make sure to use them. This makes the effective annual fee only $10.

2. Marriott Bonvoy Brilliant Card: I’m using this Amex credit card for the $25/mo. dining credit (up to $300/yr.), which is a new benefit that replaced the old $300 Marriott Bonvoy credit. This card provides me with massive value as it allows me to maintain Marriot Bonvoy Platinum Elite Status, offers 25 Elite Night Credits, issues a Marriott Free Night certificate worth up to 85,000 points, and more!

3. World of Hyatt Credit Card: I’m using this Chase credit card for the targeted, limited-time spend bonus allowing me to earn 10X points at gas stations. The same offer also awards 5X points at Amazon.com and grocery stores, all up to $1,500 in combined spend. However, I’m using other credit cards for those two categories.

4. Discover it Cash Back Credit Card: I’m using this cash back credit card to earn 5% cash back at Amazon.com and 5% cash back on mobile wallet transactions (i.e. Apple Pay). These are part of the Discover it cash back calendar for Q4 2022.

5. Chase Freedom Flex Card: I’m using this cash back credit card to earn 5% via PayPal. The Chase Freedom calendar also includes Walmart for Q4 2022, though I’m not shopping there at this time. Note: The Chase Freedom Flex issues cash back in the form of Chase Ultimate Rewards points.

6. Citi Custom Cash Card: I’m using this cash back credit card for its flexible 5% cash back category (i.e. 5% in your Top Spend Category from an eligible list). For me, I’m using this card exclusively for drug store purchases. Note: The Citi Custom Cash card issues cash back in the form of Citi ThankYou points. // Citi Custom Cash Categories:
- Restaurants
- Gas Stations
- Grocery Stores
- Select Travel
- Select Transit
- Select Streaming Services
- Drugstores
- Home Improvement Stores
- Fitness Clubs
- Live Entertainment

7. Amex Blue Business Plus Card: I’m using this Amex business credit card at my catch-all credit card (i.e. for all my non-bonus / non-category spend that would normally earn 1X - 1.5X on other credit cards) because it earns 2X on all purchases, up to $50K spend per year.

The majority of my focus is on cash back credit cards right now, but I’m also adding some travel rewards with Hyatt because the targeted limited-time offer to earn 10X points at gas stations is so good! I also redeem my Amex Membership Rewards points for cash back via the Schwab Platinum Card, which allows me to cash out at a rate of 1.10¢ per point into my Charles Schwab brokerage account. I can then send the funds out to a linked checking account.

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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