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What do you ACTUALLY carry in your wallet?

Super Contributor

Re: What do you ACTUALLY carry in your wallet?

Depends on the week:

 

- AMEX Plat

- JPM Palladium

- Discover IT

- NFCU Cash Reward Sig

- Target store

- Wally store

- BOA 1-2-3 Privileges Cash Reward Sig




Message 41 of 116
Established Contributor

Re: What do you ACTUALLY carry in your wallet?PC

Amex BCP - Grocery, Gas

US BANK cash+ - restaurant/bill pay/drug store

Walmart - Walmart/cash advance

BoA Travel Rewards - Back up/ travel purchases/5% back on toys, books, department, electronic and sporting good stores(targeted E-mail).

 

 

No Freedom or Discover for me this quarter.  Actually I already maxed out the discover 5% catagory plus an extra 2% so I can SD that one till the new year.

 

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Message 42 of 116
Established Contributor

Re: What do you ACTUALLY carry in your wallet?

Mine are in my siggy.  Gonna test the waters next month when my reports update and see if there really is a ceiling on Sam's and Lowe's. Smiley Very Happy


Starting Score: 500's
Current Score: 773 EQ(DCU), 757 TU(Barclay), 788 EX(Credit.com)
Goal Score:760 X 3


Take the myFICO Fitness Challenge

Message 43 of 116
Valued Contributor

Re: What do you ACTUALLY carry in your wallet?

I have 4 cards I carry with me:

 

Discover Miles

Chase Freedom

Citi Hilton HHonors Signature

USAA American Express Rewards

 

SD:

Citi TY

DCU Platinum

USAA Rewards MC

Care Credit

Comenity Smile Generation

Capital One Business Platinum

Citi Home Depot

Chase Southwest RR Signature

Starting a whole new chapter
Message 44 of 116
Established Contributor

Re: What do you ACTUALLY carry in your wallet?

Why do you keep the BOA cash rewards around? =O seems like BCP destroys that card by far , looks like sock drawer material to me

If one also has BoA checking account, then the BoA Cash Rewards actually destroys BCP in the gas category. 3.3% return on the regular Cash Rewards, and 4.5% return on the Privileges Cash Rewards. Also, the "all other spending" category returns 1.1%/1.5% versus the 1% on BCP.

 

My wallet's in my sig, but here it is with more detail on how I use it:

Wal-Mart - Gas card. At $0.15 off per gallon I'm saving 4.2% on their already best-in-the-area premium gas prices. They may go back to $.05 at the end of the year, in which case I'll push gas over to the BoA Cash Rewards.

BoA Cash Rewards - 2.2% Groceries, 3.3% Gas when there's no WalMart around, everyday spending when my low limit allows it.

AmEx Zync - Paying cable and phone bills (2x points Connect Pack). Shopping at REI, Patagonia, local green businesses (2x points Eco pack), Travel purchases for work and pleasure (2x points Go Pack - not bad until I can get a higher tier travel card), department store shopping (2x points Style pack), everyday spending overflow from BoA since AmEx has me on a much higher hidden limit than the piddly $500 I get from BoA.  Basically this is my most-used card right now - practically everything but Gas, Groceries, and Dining goes here.

BestBuy RewardZone - Shopping at Best Buy, and dining, since it is my only dining rewards card right now. 

Barclaycard Apple Financing - Right now, just small purchases each month to keep it active. Once the new iPads are announced, I'll be using it to finance my upgrade at 0%.

 

In addition, I typically carry my HSA (Health Savings Account) debit card, my checking debit card, my health plan cards, and a few bills.

 

 

 

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12), Total CL $1k on 2 TLs
Current: EQ 709 (CCT 2/4/15), EX 704 (CCT 2/4/15) , TU 702 (CCT 2/4/15), Total CL $110.3k on 14 TLs Goal: 740+ x3
My Wallet: Amex BCP $30k, Chase United Explorer $16k, Amex SPG $13.5k, Barclaycard Ring MC $12.5k, Chase CSP VS $12.2k, Discover it $10.5k, C1 Venture VS $6.5k, Chase Slate $3.5k, Amex Hilton Surpass $2k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Citi BestBuy $500
My Loans: Prosper $25k/36mo, Prosper $17k/36mo
My Business: Chase Ink VS $5k, Amex BRG NPSL (> 10k),
Message 45 of 116
Frequent Contributor

Re: What do you ACTUALLY carry in your wallet?

Chase SP for resturarnts and travel.  AMEX PRG for gas/grocieries and everything else.  PNC Virtual Wallet Debit for cash.  Walmart for ammo purchases.  Express and VS for clothing and splurging on the wife.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 46 of 116
Valued Contributor

Re: What do you ACTUALLY carry in your wallet?

Right side:
AMEX PLAT
AMEX DELTA GOLD
AMEX BLUE

Left side:
JPM Select
Chase Freedom Sig
BoA Cash Rewards 123 WMC
Discover More
Message 47 of 116
New Contributor

Re: What do you ACTUALLY carry in your wallet?

I carry all the cards in my sig....

 

TU FICO average 819
Message 48 of 116
Moderator Emeritus

Re: What do you ACTUALLY carry in your wallet?

NFCU debit card, LifeTime Fitness gym card, license, loose pocket lint.

Message 49 of 116
Established Contributor

Re: What do you ACTUALLY carry in your wallet?

I have a Johnston & Murphy "super slim" wallet with 3 credit card slots - which means no apping since there's no room to carry any new cards!

 

-Amex BCE

-Chase Freedom

-Citi Forward

-BofA debit card if going to the bank

Message 50 of 116