My ALL NEW 2024 Credit Card Strategy (No More Amex Gold?!)

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00:00 - Intro
00:54 - Part 1: Mixed Core
11:29 - Part 2: Airline Credit Cards
12:11 - Part 3: Hotel Credit Cards
15:42 - Part 4: New Cards

Part 1: Mixed Core
In the battle between the best travel credit cards and the best cash back credit cards, I’ve chosen to participate more on Team Cash Back. I’m even using Amex Membership Rewards points for cash back via my Amex Platinum Card (Schwab version)! However, that’s because 2024 will not be seeing much in the way of big international travel. Instead, I’ll be buying a new home, so the more cash I can save up, the better. Cards like the Chase Freedom Flex, Citi Custom Cash, and Discover it Cash Back all work together really well as part of my strategy. You’ll notice that my credit card setup lacks any sort of trifecta – that’s right – no Chase Trifecta and no Amex Trifecta! I’ve instead opted for a variety of different credit cards from many banks. Since I’m mostly focused on cash back, there isn’t an issue of using different rewards programs since I can indirectly combine all the cash in the end. That said, my general travel credit cards are the Bilt Mastercard and the U.S. Bank Altitude Reserve. Some of the others earn their cash back in the form of points (e.g. Chase Ultimate Rewards points and Citi ThankYou points), so if I choose to many any travel redemptions, having points instead of pure cash back can be an advantage.

Part 2: Airline Credit Cards
I’m only using one here, the CitiBusiness AAdvantage Platinum Select Mastercard. This gives me benefits on American Airlines that I value, but I won’t be using it for spend.

Part 3: Hotel Credit Cards
I’ve got 10 hotel credit cards across 6 hotel programs (Marriott Bonvoy, Choice Privileges, Hilton Honors, IHG One Rewards, World of Hyatt, and Wyndham Rewards), primarily to maintain elite status, earn free night awards, and to earn more points when I pay cash for hotel stays.

Part 4: New Credit Cards
For 2024? NONE! Since I’m buying a new house, I’m making sure I avoid credit inquiries / hard pulls and newly opened accounts. That will help me increase my credit score and maintain it at a higher level so I can qualify for the best mortgage rates.

Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. 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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