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All the Hacks with Chris Hutchins

Credit Cards: What's in My Wallet for 2025

All the Hacks with Chris Hutchins

Chris Hutchins

Business, Education, Investing, Society & Culture, Places & Travel, Self-improvement

4.7 • 1.4K Ratings

🗓️ 18 June 2025

⏱️ 81 minutes

🧾️ Download transcript

Summary

#232: Chris reviews his current credit card lineup for 2025. He also covers how to evaluate new/existing cards, some card changes for 2025, new cards he's excited about, the best cards for each major spending category, and apps to manage all your cards. Link to Full Show Notes: https://chrishutchins.com/whats-in-my-wallet-2025 Link to Cards Mentioned: https://chrishutchins.com/blog/whats-in-my-wallet-for-2025/ Partner Deals Trust & Will: Get 20% off personalized, legally binding estate plans Bilt Rewards: Earn the most valuable points when you pay rent Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Thrive Market: 30% off your first order of organic groceries + a free $60 gift LMNT: Free sample pack of my favorite electrolyte drink mix For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Credit Cards Mentioned Credit Card Holder Wallet Frequent Miler Premium Card Worksheet Copilot: Free 2 months with code HACKS2 Chris’ Card Optimizer Tool Southwest Companion Pass Complete Guide 2025 Kick Bookkeeping: 50% off your first year here Credit Card Trackers CardPointers Pro: 30% off here and 50% off here CardRight Travel Freely AwardWallet The Points Guy App ATH Podcast Membership 2025 Iceland Trip Ep #152: Credit Cards: What's in My Wallet for 2024 Ep #170: Cash Back vs. Points: Are We Doing It All Wrong? Ep #228: Deep Dive on Citi Credit Cards and ThankYou Points (Best 2-Card Combo) Full Show Notes (00:00) Introduction (02:17) Quick Episode Overview (03:28) The 3 Main Reasons to Own Credit Cards (08:08) Things to Keep in Mind About Welcome Bonuses (10:26) Chris' Credit Card Goals for 2025 (13:24) Points vs. Cash Back (17:09) Why You Should Identify Your High Spend Categories (21:53) How to Calculate the Value of a Card (23:00) Review of Current Cards in Chris' Wallet (30:44) Bank of America Cards (33:00) U.S. Bank Cards (33:49) Citi Cards (38:27) The Bilt Mastercard® (40:10) Understanding the Major Spending Categories (42:35) Maximizing the Travel Category (44:53) Earnings via Travel Portals (47:57) Other Categories: Wholesale Clubs, Phone Service, Gas (50:11) Managing Business Expenses (+ Kick Bookkeeping) (52:10) New Cards for 2025 (55:47) How Chris Keeps Track of All His Cards (1:01:06) Big Changes to Popular Travel Card & New Travel Biz Card Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

I've spent hundreds of hours figuring out the right credit cards to maximize the value I get from every dollar I spend,

0:08.7

whether it's travel, groceries, dining, or really anything. So today I'm sharing exactly what's in my wallet in 2025,

0:16.2

reviewing each card as I go and breaking down the frameworks I use to evaluate new cards and decide which

0:22.2

ones to keep or cut. I'll also run through every major spending category to identify the best

0:27.3

cards for each and see if there are any gaps in my own setup. Whether you're optimizing for points,

0:32.8

cashback, perks, or just simplicity, this episode will help you build a wallet that actually works for you.

0:39.1

I'm Chris Hutchins. If you enjoy this episode, please share it with a friend or leave a comment or

0:43.4

review. And if you want to keep upgrading your life, money, and travel, click follow or subscribe.

0:48.8

Now let's get into it right after this. Since I recorded this episode, there were some big changes

0:53.6

announced to the Chase Sapphire Reserve card. So don't worry,, there were some big changes announced to the Chase

0:54.5

Sapphire Reserve Guard, so don't worry, I will address all those changes at the end of this

0:58.9

episode. This episode is brought to you by Trust and Will. It is so easy to overcomplicate

1:06.3

simple tasks, especially for me. I love doing all the research. But some things don't always need to be so

1:12.3

overcomplicated that they end up getting put off forever, like creating a will or trust. So check out

1:17.8

trust and will because they make estate planning so straightforward and simple. You can do it from

1:22.6

your couch. Their platform is attorney designed, specific to each state, and most important, customized by you at every step.

1:30.7

I can tell you firsthand how great trust and will is because we used it to set up our estate plan years ago, long before they were a sponsor, because it was quick, easy, and way less intimidating than it seems.

1:41.3

In a few guided steps, we had a solid plan in place to protect our family,

1:45.5

and we were able to customize it to match all our nuanced preferences about what happens to our

1:50.2

savings, who's going to be the guardian for our kids and dog, and so much more. I can't tell you how much

1:55.8

peace of mind we have knowing we got all of this taken care of, and it was so easy to update online after we had our second

2:02.4

child so let trust and will uncomplicate the process for you protect what matters most in minutes

...

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