What's your dream... but realistic... wallet?

For just about anything you want to get off your chest about credit cards.
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American
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What's your dream... but realistic... wallet?

Postby American » Sun May 06, 2012 10:02 pm

Without worrying about inquiries or credit history, what would you choose and how many would you choose?

I'd personally do 4 cards:

Charge Card: AmEx PR Gold (which I have) - I always like to know I have a charge card in my wallet I can throw 20k on and have AmEx support to boot. I also like being able to authorize users on the account for free and have complete control of them. I also like the ability to get 3x points on aifare, which is extremelly good. One of my favorite things about charge cards is the balance every month does not apply to your revolving credit, so if you're about to sign up for a mortgage you can lean on this more to raise your Credit Score.

Credit: Starwood Preferred Guest Card - I like this more than any Delta cards for the simple fact that it has a lower annual fee, and it has a higher redemption rate than any other card at 20,000 Points for 25,000 Delta Miles. I'd lean on this card for most of my purchases.

Credit: AmEx Blue Cash Preferred (Which I have) - I absoutely love this card. 6x on groceries and 3x on gas and department stores are worth the $75 annual fee every year.

Credit: Chase Sapphire Preferred - I would use this for going out with the 2x on dining out and hotels. It also is important to have something for the places that don't have AmEx, and it also would provide me 0% fee abroad.

Total Annual Fees are : $410 per year BUT! If I tally this correctly, I would have 6% or 2x at groceries, 3% or 2x at gas stations, 3% at Department Stores, 3x on Airfare, 2x at hotels, 2x on Dining, which practically covers everything.

The only thing I would want beyond this is a card with chip and pin, but hopefully the chase sapphire would get it fairly soon. Chase has been implimenting those quite a bit.
American Express '02: Platinum, Blue Cash Preferred 6k, SPG 2k, Delta Gold 1k
Barclaycard '11: Apple Financing Card 2.5k
Citi: Diamond Rewards 1.5k
Chase: Freedom 500
Discover '12: Discover IT 1.5k


NYC_Dweller
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Postby NYC_Dweller » Sun May 06, 2012 10:26 pm

I would like to think I have a pretty ideal wallet.

- Amex Platinum
- Citibank Debit Card
- Discover More

All tucked away in my Louis Vuitton wallet : )

It was recently that I started considering the Chase Sapphire Preferred. The dining aspect of it attracts me. Also, more cash in the wallet would be nice too : )

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FastSRT8
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Postby FastSRT8 » Sun May 06, 2012 10:36 pm

It took time... but what I have now is perfect.

Amex Centurion
Royal Bank Visa Gold

All in my Prada card holder with plaid interior.... LOL
Carpe diem quam minimum credula postero!

NYC_Dweller
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Postby NYC_Dweller » Sun May 06, 2012 10:56 pm

FastSRT8 wrote:It took time... but what I have now is perfect.

Amex Centurion
Royal Bank Visa Gold

All in my Prada card holder with plaid interior.... LOL


Nice set up! I debated about the Prada card holder but went with the LV one. LV owns me!!!!

itsmeandrew
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Postby itsmeandrew » Mon May 07, 2012 12:06 am

For a 20 year old,

AmEx Blue Cash Everyday-the rewards with no annual fee are the biggest plus to me

Chase Freedom-for other purchases not covered on AmEx rewards and for rotating 5% categories
Capital One Platinum $500 (2/2010) CLOSED (1/2013)
Wells Fargo College Cash Back $1.2K (8/2011) CLOSED 3/2015
Chase Freedom (Signature) $10K (4/2012)
AmEx Zync NPSL (4/2012)
Samuels Financing $2.9K CLOSED 4/2015
Discover IT $3.95K (7/2012)
Chase Marriott Premier (Signature) $5K (9/2012)
Chase Slate $2.5K (12/2012)
Citi Simplicity $4K (3/2013)
AmEX BCE $9.5K (5/2014)
Chase Amazon $4.5K (5/2014)
Barclaycard Apple Financing $2K (6/2014)
Capital One VentureOne (Signature) $5K (1/2015)


TU (Discover): 760

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bisbicos
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Postby bisbicos » Mon May 07, 2012 12:17 am

I like most of my cards. However my idea wallet would also include an Amex BCP. Its the last one on my list of cards I still want.
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

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FastSRT8
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Postby FastSRT8 » Mon May 07, 2012 1:03 am

NYC_Dweller wrote:Nice set up! I debated about the Prada card holder but went with the LV one. LV owns me!!!!


The material inside my wallet almost matches my daughter's private school get-up LOLOL. Some may say I used her outgrown clothing for a wallet.
Carpe diem quam minimum credula postero!

andy1088
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Postby andy1088 » Mon May 07, 2012 7:20 am

Pretty much what I have now.
Debit-Chase, Chase Freedom, Bank Americard cash rewards, Discover More and Citi Platinum for the 0%
My cards
Chase-Sapphire-$5,000 Freedom-$3,000, Amazon rewards-$700, Slate-$600
Citi- Diamond Preferred-$4,000, Thank you-$2,500
Discover IT-$2,500
Bank of America cash rewards-$2,000
Capital one newcomer rewards-$500

amexguy321
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Postby amexguy321 » Mon May 07, 2012 9:17 am

mine:
Amex Centurion
Amex Zync
United Mileage Plus Visa

dont forget drivers license guys xD... in a black lv card holder

MemberSince99
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Postby MemberSince99 » Tue May 22, 2012 9:23 pm

It depends - if I were wealthy it would be Amex Centurion. But since I'm not and that is never going to happen, my 'realistic' ideal cards would be:

Amex BCP which I just got. You can't beat 6% on groceries and 3% for gas and department stores all year long no limit.

Amex Revolver (have Gold and Zync both).

Discover More like the rotating categories and a great company to have a line with.

Visa Signature have one of these

I guess the only thing beyond these I might like someday would be a Mastercard, but I'm not sure I really need or could use it. These cards are really all I want and need personally for a while.

Gotta say though anything Amex is good with me, period!



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