Credit Card Quick Look Cheat Sheet

All of the cards listed below are held by myself or my wife. I am in the military and my wife is a civilian. 100% of the cards with an annual fee waived the fee for myself and my wife.

You can find my full post on credit cards here.

**Some links are referral links**

Card Main Use My Usable Benefits
Limitless Cashback Rewards Visa Signature [Discontinued] Everyday Use (Anything not mentioned below) 2.5% Cashback
Chase Freedom Nothing this quarter 5% Cashback in rotating categories
Discover it Card Grocery Stores 5% Cashback in rotating categories
(10% Cashback for 1st year)
Cashback Rewards Plus American Express (USAA) Gas/
Purchases made on base
5% Cashback on gas/base purchases
Blue Cash Preferred Card from American Express Nothing this quarter 6% Cashback on groceries
American Express Platinum Plane Tickets
Uber ($15/month)
Non-Hilton Hotel Stays
$200 airline credit (no tickets/upgrades)
5 pts for airfare (amextravel.com)
5 pts for hotel (amextravel.com)
Car Rental status (passive)
Airport lounge access (passive)
$200 Uber Credits/yr
American Express Business Platinum $200 airline credit $200 airline credit (no tickets/upgrades)
American Express Ameriprise Platinum Uber ($15/month)
$200 airline credit
$200 airline credit (no tickets/upgrades)
$200 Uber Credits/yr
American Express Charles Schwab Platinum Uber ($15/month)
$200 airline credit
$200 airline credit (no tickets/upgrades)
$200 Uber Credits/yr
(Need a CS Account)
American Express Morgan Stanley Platinum Uber ($15/month)
$200 airline credit
$200 airline credit (no tickets/upgrades)
$200 Uber Credits/yr
(Need a MS Access account)
Chase Sapphire Reserve Car Reservation
Uber (after Amex Platinum)
$300 Travel Credit (any travel)
3 pts for airfare/car rental/hotel/taxi
3 pts for restaurants
Airport lounge access (passive)
Uber Visa Card Restaurants/Phone bill (for the phone insurance) 4% Cashback at restaurants
Hilton Honors Aspire Card Hilton Diamond Status for Hilton Honors
One free night every year
$250 airline credit (no ticket/upgrades)
Other Hilton property credits
Amazon.com Rewards Visa card Amazon 3% Cashback from Amazon.com
5% Cashback from Amazon.com (Prime)
American Express Delta Reserve Sign on bonus/Passive benefits 1 BOGO Delta ticket a year (Passive)
Priority Boarding (Passive)
Delta Sky Club Access (Passive)
Sign on bonus…
Chase Southwest Premier Credit Card Sign on bonus/Passive benefits Southwest Companion Pass
Chase Southwest Plus Credit Card Sign on bonus/Passive benefits Southwest Companion Pass

*A few of the cards have airline credits. You cannot use these credits for airline tickets, mileage points purchases or mileage points transfer fees, gift cards, upgrades, duty–free purchases, or award tickets.

**Cards that have “Passive” following the benefits are meant to indicate rewards that I get whether I use the card or not.

***The Southwest Companion Pass allows a BOGO purchase for all Southwest flights for you and another person (you can change that person up to 3 times) and lasts for 1 year + the remainder of the year you get the pass. You earn the pass after earning 110,000 Southwest Points in a single year.


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4 thoughts on “Credit Card Quick Look Cheat Sheet

Add yours

  1. If I get a few of these and later cancel one, how does it effect my credit score? Is it better to just leave it open and not use it?

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      1. “If I get a few of these and later cancel one, how does it effect my credit score?”
        Anytime you open up a new card, you will see changes to your credit score. Inquiries last for 2 years and have less of an effect on your score each month. Recently, I had 4 hard inquiries and I saw about a ~20 point drop in credit score. My score is slowly climbing back to where it was and, with time, it will return to normal. I would not go out today and apply for more than 1 card every few months.

        “If I sign up for multiple at once will that effect me?”
        Signing up for multiple credit cards is also a complex question because some companies only approve applications if you have opened fewer than 5 credit cards in the last 2 years. Other companies have different rules so if you are going to begin signing up for cards I recommend taking some time to do a bit of research. The other problem stems from inquiries, even if you are denied some companies will still ding your credit with a hard inquiry.
        Reddit is probably the best place for you to start your research https://www.reddit.com/r/churning/. You have to keep in mind that playing with credit cards is a slow game, not something that you should just jump into without learning the pros and cons.

        “Is it better to just leave it open and not use it?”
        This is a personal question because I don’t know what ‘better’ means for you. My wife and I are in a fairly unique position where we really don’t care all that much about our credit score. The only reason we need a good credit score is to get more credit cards. We have no intention of purchasing a home or taking out any loans in the next 10 years. My usual advice for people is to leave the card open unless it has a yearly fee. I will not cancel any of my cards until I retire and the company tries to collect that yearly fee.

        I also recommend using software to monitor your finances. I use personalcapital.com to monitor all of my investment accounts and credit cards. If there are any charges to a card I do not use I will see it immediately.

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