Plenty of people don’t mind having a sock drawer with 20 credit cards they rarely (if ever) use. When coming up with my shortlist of cards, I thought about both my short- and long-term goals for the card. I have points and miles stockpiled with issuers like Capital One, Chase and American Express as well as loyalty programs like Delta SkyMiles, American Airlines AAdvantage (thanks to living near a hub for three years, not due to any of my credit cards) and World of Hyatt (thanks to work travel).īased on all of that, it made the most sense for my next card to focus on sign-up bonus value and perks - specifically either helping me earn elite status or granting me lounge access, since they were both priorities for me this year. There honestly aren’t any obvious holes in my portfolio in terms of bonus categories or rewards programs. The card details on this page have not been reviewed or provided by the card issuer. The information for the Discover It Card has been collected independently by The Points Guy.
Venture forthe job application for free#
Delta SkyMiles® Gold American Express Card: For free checked bags on Delta flights.supermarket purchases (on up to $25,000 in purchases per year), 3 points per dollar spent on air travel booked directly with the airline or through Amex Travel, and valuable Amex Offers. American Express® Gold Card: For 4 points per dollar spent on dining and U.S.Chase Freedom Unlimited: For 3 points per dollar spent on drugstore purchases and as a flat-rate card I can use that earns Chase Ultimate Rewards points.Capital One Venture Rewards Credit Card: For the Global Entry/TSA PreCheck application fee reimbursement and the 2 miles per dollar spent on all non-bonus purchases.Here was my card lineup coming into the process: It’s always a good idea to take inventory of your wallet every so often, even if you aren’t actively applying for new cards. Both help set the stage for coming up with a list of potential card options. This way, I can figure out what perks or bonus categories I’m missing, as well as take stock of any cards I might want to get rid of after I apply for my new card. The more cards I collect, the more important this step becomes.
Regardless of why I want a new card, I always start my decision-making process by evaluating what’s currently in my wallet. Here’s the step-by-step walkthrough of how I came to my decision to help you outline how you can decide on your next card. It had been a little over a year since I applied for my most recent credit card and I had upcoming moving expenses to cover - the perfect scenario to add another card to my wallet and snag a sign-up bonus. Want more credit card news and advice from TPG? Sign up for our daily newsletter. But sometimes, the best way to learn is to see someone’s thought process firsthand.
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We’ve extensively covered how to choose the best card for you - whether you’re a beginner learning how to build your card portfolio, a frequent traveler wanting a jump-start on earning elite status or just someone wondering what cards TPG staffers can’t live without. Most of us are constantly chasing our next sign-up bonus and trying to optimize the travel perks we hold in our wallets with our changing spending habits and travel needs each year. It’s also one of the most common questions we ask ourselves.
“Which credit card should I get next?” It’s easily one of the most common questions we at TPG get from readers, friends and family members.
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