I've hesitated to share my most used credit cards because what's best for me isn't necessarily what's best for you! We all have different points goals, spending habits, and preferences that should guide our card decisions.
But, I get this question a lot! So, with that disclaimer shared... here are my top 3 most used credit cards from 2023:
#1 Most Used Credit Card?
Capital One Venture X Rewards Credit Card - Learn more here
It's hard for me to believe I waited until 2023 to add this to my wallet. Earning 2 miles for every $1 I spend has been such a valuable resource this year because I've had a lot of non-bonus category personal spending that would earn just 1 mile per dollar on other cards. Plus, the airport lounge access (including guest access!) has been fantastic. I added my husband as an authorized user ($0 extra!) because that gave him his own Priority Pass account. So, he can enter lounges even when we're not traveling together.
I'd recommend this card to anyone who wants a card that offers:
Airport lounge access that includes guest access
A great bonus point multiplier without having to keep track of spending categories
A guaranteed way to offset the annual fee every single year (annual $300 travel credit and 10k bonus miles every anniversary year)
No foreign transaction fees
#2 Chase Sapphire Preferred Card - Learn more here
This is my top most-recommended travel card for a reason. It has all the essentials: reasonable annual fee, strong points earning potential, and awesome travel insurance. In fact, it was my first travel credit card in my early twenties, and it continues to be my most-used travel card now because of the best-in-class travel insurance it offers. Plus, Chase Ultimate Rewards points are incredibly valuable. I use mine by transferring them out to Hyatt for luxury hotel stays that don't require very many points. I spent my birthday in a Park Hyatt that's normally $750/night...but I booked it for just 20,000 points per night. That's almost 4 cents in value per point!
I'd recommend this card to anyone who wants a card that offers:
Generous restaurant and travel points multipliers: 3x points on every $1 spent on dining, select streaming services and online groceries, 2x points on every $1 spent on travel
Best-in-class travel insurance
Points that can easily be redeemed for luxury hotel stays
No foreign transaction fees
#3 Chase Ink Business Unlimited Credit Card - Learn more here
This is my "go-to" card for business expenses that don't fit into a particular bonus category (which, for me, is most of my expenses!) It's marketed as a "cash back" card, but you actually earn Chase Ultimate Rewards points. That means that the points can be transferred to your other Chase credit card accounts, like the Sapphire Preferred and Sapphire Reserve to be used on travel redemptions.
I'd recommend this card to anyone who wants a card that offers:
$0 annual fee business card
An incredibly generous Chase sign-up bonus: Earn $900 cash back after you spend $6,000 on purchases in the first three months of account opening. This is awarded in the form of 90,000 Ultimate Rewards points!
1.5x points for every $1 spent
I hope this inspires you to refine your credit card strategy for 2024, and pick cards that support your goals!
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