What’s in my wallet for April 2025
As a credit card enthusiast, I'm often asked about the cards I carry in my wallet and how I use them to maximize my points and miles earnings. In this post, I'll give you a tour of my wallet and highlight the benefits of each card, including spending multipliers, perks, and other advantages.
The Luxury Cards
The American Express Platinum Card: This premium card offers a whopping 5x points on air travel booked directly with airlines or through Amex Travel, as well as 1x point on all other purchases. The Platinum Card also comes with a long list of benefits, including:
$200 airline fee credit
$200 hotel credit through Fine Hotels and Resorts/The Hotel Collection
$240 Entertainment/streaming credit
$100 Saks credit
$155 Walmart Plus Credit
$199 Clear Plus fee credit
$15 monthly Uber credit
Access to airport lounges, including Amex Centurion Lounges
Complimentary hotel status with Hilton and Marriott
The Ritz-Carlton Card: This card offers 3x points on travel purchases, 2x points on dining, and 1x point on all other purchases. Additional benefits include:
$300 travel credit
$100 Global Entry fee credit
Complimentary hotel status with Ritz-Carlton and Marriott
Access to airport lounges
The American Express Hilton Aspire Card: This card offers 14x points on Hilton hotel stays, 7x points on flights booked directly with airlines or through Amex Travel, 3x points on restaurants, and 1x point on all other purchases. Other benefits include:
$400 resort credit ($200 semi-annually)
$200 airline fee credit
Complimentary Diamond status with Hilton
The Business Cards
The American Express Business Gold Card: This card offers 4x points on two categories of your choice (from a list of six options, including air travel, advertising, and computer hardware), and 1x point on all other purchases. Additional benefits include:
$240 business credit on Grubhub, office stores, shipping stores.
$155 Walmart Plus credit
The American Express Blue Business Plus Card: This card offers 2x points on all purchases up to $50,000 in combined purchases per year, and 1x point on all other purchases. Other benefits include:
0% introductory APR for 12 months
The Cashback and Travel Cards
The Capital One Savor Card: This card offers 4% cashback on dining, 4% cashback on entertainment, 2% cashback at grocery stores, and 1% cashback on all other purchases. Additional benefits include:
$300 sign-up bonus
No foreign transaction fees
The Capital One Venture Card: This card offers 2x miles on all purchases, with no rotating categories or spending limits. Miles can be redeemed for travel purchases with no blackout dates or restrictions. Other benefits include:
$100 Global Entry fee credit
No foreign transaction fees
In conclusion, my wallet is stocked with a mix of luxury cards, business cards, and cashback cards that help me earn points and miles across various categories. By using the right card for the right purchase, I'm able to maximize my rewards earnings and enjoy a range of benefits, from airport lounge access to complimentary hotel status. Whether you're a seasoned credit card enthusiast or just starting to build your points and miles portfolio, I hope this peek into my wallet has given you some inspiration for your own credit card strategy.