What's in Our Wallets? (Jan 2025) | Coffee Break Ep42 | 1-21-25
Frequent Miler on the Air
Frequent Miler
4.9 • 640 Ratings
🗓️ 22 January 2025
⏱️ 19 minutes
🧾️ Download transcript
Summary
Greg and Nick have a LOT of cards between the two of them and they can't possibly carry all of them in their real-life physical wallets. What happens instead is that they tend to rotate the cards in their wallets based on what the current bonuses are, whether or not there are cards they're trying to reach a spend requirement on...and...whether or not they can find the physical card. In this episode, they'll cover the major real-life spend categories and which cards they're carrying for those purposes. (01:19) - Which cards do Greg and Nick carry for Grocery spend?
Learn more about the Savor card here.
(02:06) - Learn more about the Amex Gold card here.
(03:31) - Which cards do we carry around for Gas?
Learn more about the Wyndham Business Earner Card here.
(04:09) - Learn more about the Amex Business Gold card here.
(05:24) - Which cards do we carry around for dining?
(08:28) - Which cards do we carry around for Travel?
Learn more about the Sapphire Reserve card here.
(12:27) - Which cards do we carry around for Pharmacy?
Learn more about the Chase Freedom Unlimited card here.
(14:30) - Which cards do we carry for spend everywhere else?
Learn more about the Bank Of America Premium Rewards card here.
(16:50) - Learn more about the Bank Of America Unlimited Cash Rewards here.
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Music Credit – Beach Walk by Unicorn Heads
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Transcript
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| 0:00.0 | This is a Voyescape podcast. |
| 0:03.9 | You can find all of our travel podcasts from around the world at voyescape.com. |
| 0:12.0 | Welcome to Coffee Break, where we focus on a single topic related to miles and points. |
| 0:17.0 | And each coffee break is limited to 20 minutes or less for your money back. |
| 0:22.2 | What's in our wallets? |
| 0:23.8 | 2025 edition. |
| 0:25.5 | So today we're going to talk about what cards are in our wallets. |
| 0:28.2 | Of course, Greg and I have lots and lots of credit cards between the two of us and our |
| 0:32.1 | player two is in our household, maybe player three is or whatever. |
| 0:35.3 | So between the two of us, I'm sure we have well over |
| 0:37.7 | 100 credit cards, but which ones are actually in our wallets day to day? What do we carry around? |
| 0:43.4 | What are we using right now? If you've wondered that before, well, we're going to talk about it |
| 0:47.8 | today. Yeah. And we're specifically saying what's in our wallets right now? Because it does |
| 0:53.6 | change over time. |
| 0:54.5 | I mean, the different card benefits change. |
| 0:58.8 | And so maybe, you know, if suddenly one card is now earning better rewards at gas stations or grocery stores, we're going to switch to that. |
| 1:07.0 | And sometimes it's just more circumstantial. |
| 1:09.8 | Like when someone can't find a particular card they |
| 1:12.3 | might have to put a different one in their in their wallet so let's get into that what we're |
| 1:16.5 | going to do is talk about this sort of category by category major categories of spend where when we're |
| 1:22.7 | out and about we're at a grocery store we're at a gas station what do we whip out in those situations? So let's start with the grocery store. Nick, what do you pull out at the grocery store to pay for your groceries? So I've, believe it or not, been using the Capital One saver card. Now, it would make more sense probably for me to use an MX gold card because that card earns four points per dollar. And I do have an |
| 1:44.8 | Amics gold card. It earns four points per dollar in the first 25K spend each year. But I've been using the saver card more and more lately because I've been using it for a variety of different things. So it's been in my wallet. And so, and it's three X and Capital One has a couple of partners that Amex doesn't have and I don't earn as many capital one points every year as I do |
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