WHAT’S IN MY WALLET Q2 2023 | Credit Card Strategy 2023

Take a look inside my wallet to see which credit cards I’m using for Q2 2023! You’ll notice I’m more travel credit card focused at the moment (with a special focus on a couple Citi credit cards). Click “Show More” to see Ad Disclosure, links, and additional information below.

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For Q1 2023, I’m focusing my credit card rewards across 7 credit cards with an additional focus on travel points for future trips:

1. Citi Custom Cash Card: With it’s flexible 5% rewards category that can change every month, I’m using this card to earn 5% back on restaurants for April.

2. Hilton Honors Business Card: For my upcoming trip to Florida, I’ll be staying at a Hilton hotel (Hilton Fort Lauderdale Marina) and paying cash. Since this Hilton credit card earns 12X points at Hilton (approximately a 6% return), it’ll be an excellent choice to earn points fast! (Plus, it also gives me Hilton Honors Gold Status for a daily $15 food credit per person, up to 2 people).

3. Citi Premier Card: I’m using this card to pay for gas (it earns 3X here). Since Citi might release a new card or two (i.e. the Citi Strata Premier and the Citi Strata Elite), I’m focusing on using my existing Citi credit cards in the hopes it may help with a future approval for either of those possible new card releases. Note: Citi may like to see use of existing cards when making credit card application decisions.

4. Bilt Mastercard: I’m using the Bilt Credit Card for my dining purchases from May - June. This will allow me to satisfy the 5 transaction requirement each month to earn Bilt points.

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5. Chase Freedom Flex: The Chase Freedom Flex calendar currently awards 5% cash back (in the form of 5X Chase Ultimate Rewards points) on purchases at Lowe’s and Amazon. This is my card of choice for Amazon purchases, as well as Lyft (it also earns 5% / 5X there due to a partnership between Chase and Lyft through March 31, 2025).

6. Amex Gold Card: Due to a referral bonus, I’m using this card to earn 9X Amex Membership Rewards points for 3 months on all supermarket spend (i.e. 4X standard + 5X referral bonus).

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7. Amex Platinum Card: This is my best credit card for lounge access, and I’d keeping it in my wallet in case I get to use the Escape Lounge Fort Lauderdale.

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Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

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