2023 WHAT'S IN MY WALLET??? 💳 Credit Cards I'm Carrying in Quarter #3

[@ProudMoney]

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[@axelgonzalez9687]

My set up is Citi double cash Citi custom cash Capital one savor one I swear this set up is perfect !

[@ProudMoney]

Simple but good!

[@cardojp]

Great content as always, thanks Adam!!!

[@kmb6916]

Nice video! In my wallet, Amex Gold(restaurants & retention bonus), (OG) Chase Freedom(3Q categories plus targeted offer for 5x at grocery stores and gas stations making it 9x at gas stations for 3Q and finally Capital One Venture X for a catch all card.

[@markcantu1455]

Question, why do you still have your OG chase freedom? Why not upgrade to flex?

[@kmb6916]

@@markcantu1455 I've got both. Plus I guess it worked out this Q cause I was targeted for an additional 5x on gas plus 5x on groceries for the OG Freedom but not on CFF.

[@markcantu1455]

@@kmb6916 Interesting. I also have the OG chase card but not the Flex. I only don't upgrade due to the flex being a Mastercard and not a visa. I was curious to hear your reasoning. Thanks for the response

[@kmb6916]

@@markcantu1455 Yeah it's from a CSR I downgraded a couple years ago.

[@herlifemusings23]

I’m thinking of using my Amex Platinum for travel, Chase Freedom Flex for Gas, Amex Gold for Resturants and dining and Fidelity Visa Signature Rewards for everything else

[@ReconPro]

Awesome!

[@brodyisom3586]

Discover It 5% gas stations and don't sleep on the digital wallet! Custom cash for 5% resturants Bank of america customized cash for 3% online shopping

[@QueenConsious]

Some restaurants take digital wallets so you still get that 5% back at most restaurants with Discover!

[@AdamBA380]

I have the Curve card and it works great for my specific use case. I live abroad and it negates the foreign transaction fee on my MasterCard cards that would normally have one. That said, I would LOVE if it worked with Visa. If that were the case it would be the only card I pull out, with a second card just in case the Curve won’t go through (which does happen).

[@SledgeIncTeam]

I have it but Visa would definitely be a huge plus

[@titopr64]

Thank you for taking the time to put this video together. I do have a question, you presented cards for various different eco-systems. How you manage points on many different eco-system vs, just having all in one, maybe two, systems? Thanking you in advance!

[@ProudMoney]

I don't get hung up on the idea of ecosystems. If I am getting a 5% reward on any particular purchase, that is good enough for me regardless of whether it fits into an ecosystem strategy. I favor Chase over others if other things are equal, but I don't overthink it.

[@andresjmontanez]

Freedom Flex also offers 3% on Dining

[@ProudMoney]

Yep. Got my head up my behind today. One less card to carry! 😃

[@ErickKirei]

Hey Adam, how is the rewards redemption structure on the AAA CC? Any hiccups to be aware of? Looks very promising but wanted to know if there is any "catch" of some sort.

[@nmrooney1]

I’d also like to hear more about this card. I currently run the chase trifecta, but the areas that lack are groceries, gas, and Costco and I feel this card could be the answer.

[@ProudMoney]

I have not had any issue, have only redeemed for statement credit though, so that is all I can speak to.

[@mitchell.9632]

@@ProudMoney Is it that you have to space out applications and can you hold both of those two cards?

[@cavepilot]

I thought Target benefits from the RedCard by not having to pay as much in processing fees. So just lowering their prices 5% would cost them more.

[@ProudMoney]

Good point, though Target probably has negotiating power that keeps their processing fees lower than the average retailer, and definitely less than 5%. So maybe I should say they could lower prices 3% 🙂

[@ds5651]

Just got a 5 percent on my World of Hyatt on groceries. Target email from chase. Pulling that out for the 3rd quarter

[@docsays]

My 4 card setup: Chase FF - 5x gas & grocery AmEx Gold - 4x dining AmEx Green - 3x travel Chase Ink U - 1.5x catch all

[@olivern4784]

The Citi Premier is great for overseas purchases. No foreign transaction fees. Categories are valid worldwide.

[@KingGreen78]

Forget the chase ink ,give US bank another shot,they're waiting for you 🤣

[@ProudMoney]

🤣

[@KingGreen78]

@@ProudMoney 🤣🤣 don't let them bully you 🤣🤣,apply every month until they bend the knee.

[@yallahabibi961]

Remember the US bank cash + card for 5% on phone bill AND WiFi bill, or any 2 other categories that you spend the most on (department stores, electronic stores, yes you can get 5% back on Apple devices through Best Buy, and more)

[@davidsides4816]

Be interested in knowing how that AAA card is working out for you.

[@ProudMoney]

It's working out well, not sure why so many people are skeptical.

[@davidsides4816]

I got the travel advantage card and for a short while everything was going great. Then they quit giving me my rewards. I called, but so far nothing is being done to fix it. I appreciate your KZbin channel.

[@amirmoradi9595]

I recently got under 5/24 so I grabbed that IHG business card which still has a elevated bonus. I mostly wanted it though for it's annual free night certificate. Gonna make it a keeper sock drawer card once I use up the sign up bonus

[@diazmike427]

Haha the intro 😂👊🏻

[@gainesville323]

Got approved for the Citi Custom Cash 2 weeks ago, so I’ll be working towards the SUB, and then it’ll be my dedicated grocery card, the BofA Customized Cash Rewards Visa for 3% on dining, the Costco Anywhere Visa for 4% on gas, and my local credit union has a 2% catch all card. Now all I have to do is NOT open any cards until February so I can get under 5/24 lol

[@leprechaun4gold221]

Lad I might as well call it, without the Amex Gold, it's not a real wallet!

[@ProudMoney]

Amex Gold is good if you really use those credits. but they don't easily fit how I spend.

[@boondoggle4820]

I don’t have the Target card but I can get 5% back with the digital wallet category on the discover card this quarter. I love the 5% back on digital wallets quarter. I can 5% back on everything from groceries to haircuts.

[@chuck62830]

If you only had one card, what card would you use? I don’t like keeping up with a bunch of accounts.

[@michaelleetrini3635]

I recently found my RBC Target Red Mastercard that was issued to Canadian Target Store in 2013 till it's closed , we got 5 &10 % discount

[@ReeceReviews19]

Intro 😂😂😂😂😂😂 nice lineup 🎉

[@caribdude8151]

Yes Sir! Great Video Adam! 👍

[@aramosjr]

I also regret getting that curve card. I have never used it and as you mentioned it shows up on my credit report :(

[@ProudMoney]

yup 🙁

[@davileett1224]

I like the idea of having these 5% category cards, but getting cards with large sign up bonuses that are useless for everday spend always seem to draw me in instead. Hard to pass up $600-$1200 in sign up bonses vs $300/year cash back opportunities.

[@ProudMoney]

I hear you.

[@oscarrosales578]

Amex blue cash and Wf activate cash work great for me. I don't have any 5% card. I love no annual fee cards.

[@Zee06]

I just got approved for the Citi Premier at end of May. So, I'll be using that one to hit my Sub by the end of July, as well as the Chase Freedom Flex for gas. Once I hit the SUB for the Citi card, I'll switch back to my Amex gold, and Citi will become my Mastercard backup to my Amex cards.

[@sideshowbri]

i’m only using 2 cards this quarter my amazon and discover card

[@nickz1413]

How about US Bank Cash+ Visa Signature card? 5% cashback on various categories: Cell phone providers Department stores Electronics stores Fast food Furniture stores Ground transportation Gyms/fitness centers Home utilities Movie theaters TV, internet, and streaming services Select clothing stores Sporting goods stores Like 5% on Home Utilities which is kind of rare... They are also running a $200 bonus offer just now ... What do you think ?

[@ProudMoney]

I would like it but US Bank does not like me 🙂

[@chailattee]

@@ProudMoneylol 😂

[@caribdude8151]

I'm surprised you didn't go after the Ink Cards sooner... 🤔

[@STONEDECISION]

No Amex gold? No sapphire reserve?

[@jjirehministries7656]

Thank you for this video. Quick question. How are you able to possess so many cards? Did you apply for the all at once? When applying how did it affect your credit? I am just now figuring out what cc to apply for since My Quicksilver One is the bucket 😢 and I own a Capital one business cc that has no reward points. Trying get a product chanand increase in credit limit on both. I may apply for the Amazon prime and either Savor or AMX blue cash. I just don't want to get a hard inquiry on my credit. Any suggestions on when to apply for a cc and how often? Is credit score a factor? Mine is 756.

[@yanetj4160]

Does using Google pay on your phone work or does it have to be at a store?

[@umidkent]

The intro : 👊😠👊

[@ProudMoney]

😀

[@youseennothing8432]

Is 5% better than 3x points?

[@ProudMoney]

Depends on how u use points and which card u are talking about. 5% is usually better but not always.

[@mrnickl]

why carry the Sapphire Preferred for backup dining? Chase Freedom flex also gets 3x on Dining.

[@ProudMoney]

My bad, yes you are correct. One less card I have to carry! (I think I was trying to give that CSP a reason to belong in my wallet!)

[@sankalppandya1563]

Technically the CSP is still better for dining than CFF because of the 10% anniversary points bonus, meaning it technically earns 3.1% on dining.

[@ProudMoney]

Good point!

[@christiec5]

I don't know if anyone's mentioned this but target has a redcard debitcard that works exactly the same as the credit card but no hit to your credit score and still gives 5% off. You link your bank account and use the target debit card and it pulls directly from your bank (like a regular debit card).

[@chailattee]

I wish I had seen this comment before I applied for my Target credit card! Bummer lol

[@docsays]

Ya i have it. Works great

[@imDaJuggernaut2323]

i have 18 cards i have a problem

[@DCGEMINI202]

Looks like your team cash back now. Sad to see you leave team travel

[@DL-1]

I got approved for the AAA Daily Advantage visa with a $4400 credit limit. The website won't let me put in an application for the AAA Travelers visa card at all. Did you have that problem? Has anyone been approved for both AAA cards?

[@ProudMoney]

I only applied for one, not both. Not sure if they restrict you to one or not.

[@DL-1]

@ProudMoney ok.thank you.I am also applying for the credit card from Abound Federal credit union in Kentucky.the card gives 5% back on gas.i also applied for the cash rewards card from Affinity fcu in New Jersey. It has 5% on Amazon. Like the chase Amazon card.i noticed that credit unions will give me $10,000 credit limits, but banks won't. So I'm hoping that both of those cards add $20,000 worth of credit to me. Have you done a video on how to renovate a property using credit cards, or how to purchase assets for future income with credit cards? Than you for your serious thought. You know that I like and appreciate the channel. You,Rj Financial, and Ben...Hodges(?)are my personal favorite creators in the credit card space.) I'm looking for how to turn the corner from finally getting good application approvals,to earning income with credit related activities. Any help and practical&tangible advice would be very much appreciated. Thank You and Have a good day !!!😊

[@mitchell.9632]

@@DL-1 How long of time (minutes, days, months?) did you go between applications?

[@DL-1]

@@mitchell.9632 I put in an application 11 months ago. And 1 last month. And 3 this week. I'm getting all the 5 % back cards I can, then building those relationships for the next few years. I held the same 3 initial cards for several years before applying for more cards. I got the citi custom cash last month. The US Bank cash plus card this week, aaa card this week. Langley fcu card this week. And in waiting for approval from Abound fcu and Affinity fcu. Then I'm done.

[@katieqt37]

Lol you are a goofball XD

[@l1lxdra60n]

First!

[@ProudMoney]

🔥🔥🔥

[@ImStillStealingSteel]

Im definitely maxing out Q3 for my Discover Cards. 95% of my transactions are Apple Pay based 😊

[@chrisv4920]

I’m getting mine next week 😊 💳

[@ImStillStealingSteel]

@@chrisv4920 - Congrats, best thing for u is that since its a new acct, ur 1st yr Discover will match ur rewards. So technically u’ll be getting 10% back for ur 1st yr for the rotating categories. Just make sure u Activate them on the app.

[@Wunnawunna999]

It’s definitely a really good category I’m in my first year so I get the cash back match

[@ImStillStealingSteel]

@@Wunnawunna999 - That’s right. Get dat money :)

[@Foriegn684]

@@Wunnawunna999same 👍👍

[@SledgeIncTeam]

You actually carry those cards for 3 months? My what's in my wallet videos are for the cards that I'm carrying at the moment. I change them up to often to actually dedicate cards for an entire quarter🫡

[@ProudMoney]

Why do you change them so often?

[@SledgeIncTeam]

@@ProudMoney I have 31 cards 😅

[@magnus1595]

​@SledgeIncTeam lol I feel you. I have 27 personal and 5 business. I'm going to cancel 5, though.

[@SledgeIncTeam]

@@magnus1595 I have 5 Business cards too... wow 32 cards and you don't make any content?

[@magnus1595]

@SledgeIncTeam maybe I should. I started my credit voyage for real in 2019. I had no idea to build my credit much less fix it. I have 5 cards that must go, 2 first premier, creditone, total and Indio. I started watching different people on KZbin and really hit sending letters and challenging. From October of last year my experian fico 8 for example went for 660 to 761. I just got a navy fed rewards for 25k, a amex blue plus 18k, and a keypoint credit union 15k card and 10k line of credit. So in a month I got 50k personal credit and almost 20k business.