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Posts: 7
Registered: ‎09-01-2012

Re: What do you ACTUALLY carry in your wallet?

Amex Hilton (Primary)-----$13,900

Citi Hilton Visa Signature (Back-up)-----$19,900

Chase Saphire World Mastercard (Back-up for the back-up)-----$20,000


They're the only cards I have. I don't see a need for any more. I'll probably be in the garden for the rest of my life. (I'm 61).

Valued Contributor
Posts: 1,999
Registered: ‎01-24-2012

Re: What do you ACTUALLY carry in your wallet?

PNC Cashbuilder Visa Signature

Chase Freedom

Chase Ink Classic

American Express Simply Cash

Sovereign Bank Visa Signature

Ameerican Express Blue Cash Everyday

Fidelity American Express

Two Capital One debit card

Frequent Contributor
Posts: 311
Registered: ‎07-08-2012

Re: What do you ACTUALLY carry in your wallet?

My Amex BCP should be here any day now. Once it is, my everyday lineup will be:


Amex BCP - 6% groceries, 3% gas

Discover More - 5% categories and ShopDiscover

Chase Amazon Visa - 2% restaurants/fast food

Barclaycard Rewards World Mastercard - 2% utilities

Target Red Card - 5% discount at Target

Debit card - not really used, just in case


I also do actually carry these in my wallet, but they generally don't get much (or any) use:


Old Navy store card - rewards/discounts at Old Navy

Walmart store card - free TU FICO!

GE CareCredit - for use at the dentist

GM Card (Formerly HSBC, now Capital One - 1% cash back

Chase Slate - balance transfers if needed

US Bank Gymboree Visa - 5% discount at Gymboree

Best Buy store card - rewards/discounts at Best Buy

Platinum Mastercard - old account, no rewards

07/29/12: EX FICO (Amex) 684 | EQ MyFICO 631 | TU Walmart 695
Current: EX FICO (MyFICO) 733 | EQ (MyFICO) 683 | TU (Walmart) 745

First Goal: 700+ across the board - Got it on EX & TU!!!
Valued Member
Posts: 59
Registered: ‎05-06-2012

Re: What do you ACTUALLY carry in your wallet?

JPM Palladium

Amex PRG

Ameriprise World Elite Mastercard

Citibank debit card


These 4 cards cover all my bases.  Palladium for hidden TL and concierge, PRG for daily purchases, Ameriprise for large purchases that I can't pay off immediately, (due to 6.24%) and debit card for cash withdrawal. 


Thinking back, 4 years ago all I had in my wallet was my girlfriends debit card because my credit was so poor, and I was even on chex systems, so I couldn't even open a bank account.  I have made so many mistakes in my life.  (Both personal and credit wise).  Well, live and learn!


American Express Blue | American Express PRG | Barclays Apple Financing Visa | Citi AAdvantage Visa Signature | Discover More | JP Morgan Palladium | Ameriprise World Elite Mastercard | Chase Sapphire Preferred

Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012

Re: What do you ACTUALLY carry in your wallet?

This week im carrying
amex green
Amex prgold
DCU visa platinum
Debit card
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Regular Contributor
Posts: 156
Registered: ‎07-11-2012

Re: What do you ACTUALLY carry in your wallet?

Zync is usually the go to card, but I'll use discover for useful categories. If a merchant is only MC/Visa, I use the SW RR Visa.


I actually have most of my cards with me but don't use them... just don't like to see empty slots in my wallet!

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)
Frequent Contributor
Posts: 271
Registered: ‎08-09-2009

Re: What do you ACTUALLY carry in your wallet?

I try to keep them all but I have alot...some sock drawered......but most of these have hot to the gas cards that I don't even use anymore or store cards that get used once a year

Starting Score: 601
Current Score: 670
Goal Score: 700

Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Established Member
Posts: 20
Registered: ‎12-19-2011

Re: What do you ACTUALLY carry in your wallet?

[ Edited ]

I picked the cards I apped for so that I can get great coverage of what I have in daily expenses without too many cards:


  1. Amex BCP (6% Groceries, 3% Gas and Department Stores, 1% rest)
  2. Citi Forward VISA (5 points for eating out and cinemas, 1 point for everthing that does not take Amex)
  3. A debit MasterCard for cash.

With those cards, I never have accpetance problems and my "out and about" expenses roughly get rewarded with:

  • 60% at 6% (I live next to a whole foods....)
  • 20% at 5 points (and like eating out)
  • 5% at 3% (hardly need gas and don't go to department stores)
  • 15% at 1% (don't shop at walmart and co)

for an average of 5% (or slightly less since I won't always get 1p=1penny on the forward points).


Optimizing the last  20% does not seem worth it to me. If I had a general 2% card for the last 15%, that'd get me to an average of 5.1%.


Again, this is only for walking around. For online expenses and travel, I could probably benefit from another card or two.



Regular Contributor
Posts: 116
Registered: ‎12-29-2008

Re: What do you ACTUALLY carry in your wallet?

Discover More

Amex Zync/Green

Chase Freedom all stay in my wallet. 


Currently Zync is the everyday workhorse, and More is the online shopping workhorse

2/2011=EQ: 590
11/2012=EQ: 683 (after 4 card app spree and reporting)
10/2013=EQ: 708 (reached my goal!! for 2013) EX(amex): 668 TU(Disc):680
Goal = 725 by 6/2014
Amex Zync/NPSL | Amex Green/NPSL | AMEX BCP/15k | Chase Freedom/2.2K | Best Buy/800 | Discover IT/6.4K | Citi HHonors Reserve/3K | Chase Hyatt/5k | Sapphire Preffered/9K
Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012

Re: What do you ACTUALLY carry in your wallet?

I only carry with me:


2. debit card

3. BoA 123

4. AMEX green


6. Discover more now


Might be SD my zync for a while. 


cards i dont carry:

1.Home Depot

2. BBY store card



5. cap1 will be closing this one soon

7. Jared


most store cards you dont need to carry because they can all pull your info up anyways. i cant wait to close all cap1's and maybe bby

In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30

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