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Valued Contributor
Posts: 2,118
Registered: ‎12-29-2011
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Re: What do you ACTUALLY carry in your wallet?

I went from carrying a million cards around to only a select few. Keeps the urge away to charge other cards.


Now I only carry:


Chase Freedom (1) Main card

Discover More (2) Backup card

Walmart Discover (3) Just in case card


I shredded up my CAP1 card today! It felt soo good! Account is still open but I totally killed the card. More room in my wallet!


As of 2017, rebuilding...
Established Contributor
Posts: 972
Registered: ‎08-02-2008
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Re: What do you ACTUALLY carry in your wallet?

I carry:


1. Citi Forward (primary for 5% restaraunts)

2. Priceline Visa Sig (2% everywhere for all other purchases)


Everything else is SD unless there is a 5% category or other promotion that makes sense (for ex I called to cancel my Citi Premier card and was given an offer for 10k points after 3k spend in 3 months). Doing the math it yeilds me greater points per dollar than my Priceline Visa Sig so I will be using it for the next 3 months or until 3k. Also, I use TY points only for Student Loan rebates for the time being which nets me the greatest return for my TY points.

FICO: EX: 763 (12/16); TU: 786 (12/16); EQ 731 (12/16)
Amex Blue Cash Preferred | Amex SimplyCash Plus | Chase Amazon Prime VS | Chase Freedom VS | Discover IT | Penfed Power Cash Rewards VS | Sams Club MC | USAA Limitless Rewards PV
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
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Re: What do you ACTUALLY carry in your wallet?

CSP go to card for non-category & Travel

BCP 6% groceries 3% gas 3% department stores

Citi Forward 5% restaurants and movies amazon

Freedom 5% categories


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Frequent Contributor
Posts: 299
Registered: ‎06-05-2011
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Re: What do you ACTUALLY carry in your wallet?

1. Drivers License

2. Student Photo ID

3. Health Insurance Card

4. Multi tool

5. Library card

6. Discover More (Main Card)

7. Citi Dividend (Back up)

8. NFCU Cash Rewards (Back up to the back up)

9. USAA Debit Card

10. Dust where cash would go.

Scores: EX - 769 (Amex FICO 5/21/16) TU - 763 (Discover FICO - 4/30/16), EQ - 795 (Citi FICO - 5/24/16)
Current Cards: Amex BCE - 10k, NFCU cashRewards Sig - 8k, Discover It - 10k, Citi Dividend WE - 8k, Chase Freedom - 4k, Chase Amazon Visa Sig - 4k
Last App: 3/4/2016.
Established Contributor
Posts: 554
Registered: ‎09-28-2012
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Re: What do you ACTUALLY carry in your wallet?

Bofa signature cash rewards

Us Bank cash rewards,


all other cards sd.   Thinking about getting an Amex card to add. 

TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!

Regular Contributor
Posts: 127
Registered: ‎07-26-2010
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Re: What do you ACTUALLY carry in your wallet?

What I carry is dictated primarily by my business travel (am a points freak):


1.  Amex BCP:                                      6% groceries, 3% on gas (great card, $725 cash back this YTD)

2.  Chase Marriott Reward Visa:           Marriott hotel stays (company policy in certain areas), overseas due to 0% FTF

3.  Citi AA Executive MC:                      Admirals club membership, overseas due to 0% FTF, Chip and Sig, AA tickets and wherever Amex isn't accepted.

4.  Amex PRG:                                      Everything else including most business exp/.month, free extra cards for my family.

5.  USAA Debit card:                             No ATM fees, 1% cash overseas


Interestingly, most Hitlon Hotels don't require me to present my Hilton Amex (No Fee) card I use to book my rooms with, so I use it a lot but never carry it.

Also, cards 1 - 4 all have annual fees, but I compare what I get vs what I spend and I get more from the card than it costs me.

SD has everything else (too many) including those with 0% Bal Transfers I utilize when needed.

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