Now, listen, before you yell at me for posting about credit cards, listen! I promise this will be one of the very few posts that I write about credit cards, because I just generally don’t like to since everyone else does. There are NO affiliate links on this page, furthermore, there are NO links at all to any cards, if you’d like to apply, visit the bank’s website. I am in no way responsible if the benefits with the cards below change later, this information is current as of April 2015.

I figured I would share with you all of my primary credit cards, later I will do a post summarising all of my cards that I have. Credit cards are amazing – that is for the miles & points. Yes, I participate in the ‘credit card’ game, as most people with good credit scores should. I will briefly describe each card I have, why I have it, and the benefits that currently come with each card. Each year, I apply for 12-15 credit cards which earn me at least half-a-million miles or points.

Miles & More® Premier World Mastercard®

LH_CreditCard

20.000 Miles & More miles after first purchase and payment of the annual fee

Annual Companion Ticket

2x miles on each dollar spent with Miles & More integrated partners, 1x miles on everything else

No Foreign Transaction Fees. 0% APR for 15 months. Annual Fee: $79 USD

Lufthansa is my primary airline, so there is no reason that I wouldn’t have this card. It is my primary card, mainly because I love to redeem my Miles & More miles for travel in Lufthansa First Class and since I’m a Miles & More elite member, I have access to much more First Class award space months before departure. Miles & More miles are the most valuable for me, which is why I use this card daily.

Chase Sapphire Preferred® Card

CSP_CreditCard40.000 Ultimate Rewards points after spending $4k USD in the first 3 months

5.000 additional UR points after adding an authorised user

2x points on dining and travel, 1x on everything else

Points transfer at 1:1 ratio to various frequent flyer and guest programmes

No Foreign Trans. Fees. AF: $95 USD, waived first year

Everyone should have this credit card, it’s awesome. Ultimate Rewards points are super valuable since they transfer to several airlines including British Airways, Korean Air, Singapore Airlines, Southwest Airlines, United, Virgin Atlantic, and to other programmes such as Amtrak, Hyatt, Marriott, IHG, and Ritz-Carlton. I use this card daily as well since I like to redeem with United for Star Alliance awards without fuel surcharges. Oh, and the fact that it is made from metal, gets me attention 😉

The Starwood Preferred Guest® Credit Card from American Express

SPG_CreditCard

10.000 Starpoints after first purchase and 15.000 Starpoints after spending $5k USD in the first 6 months

For each 20k points transferred to airlines, SPG will add 5k Starpoints for a total of 25k miles

Credit toward SPG elite status. Annual Fee: $65 USD, waived first year

If there is one credit card that everyone should have, it is this one. Why? Mainly because you can earn miles with over 20 airlines. You earn Starwood Preferred Guest Starpoints which can then be transferred to many airlines at a 1:1 ratio. Starwood will even give you 5k bonus points for each 20k you transfer. The downsides to this card are that it does have foreign transaction fees and the fact that it is an AMEX, so it isn’t accepted everywhere. This is actually the first credit card I got from AMEX, since I knew that I could then transfer the points to various airlines. I don’t use it as much anymore due to the fact that I use my Lufthansa card for Miles & More miles and the Sapphire Preferred for United miles and also because it earns 1x Starpoints on each purchase.

Premier Rewards Gold Card from American Express

PRG_CreditCard25.000 Membership Rewards points after spending $2k USD in the first 3 months

3x points on airline purchases, 2x points at gas stations and supermarkets, 1x on everything else

Annual Fee: $175 USD, waived first year, fee will be raised later this year

This card is currently undergoing a transformation and will be a little more like the Platinum card later this year. The main benefits of the card are that you can quickly earn Membership Rewards points, which transfer to over 17 frequent flyer programmes. I mainly use this card to earn Membership Rewards points which I can transfer to airlines such as Air Canada and redeem for travel on all Star Alliance members. The card is a charge card meaning that the balance must be paid in full each month, there are currently foreign transaction fees but this will change soon, also it may not be accepted everywhere since it is an AMEX.

Those are my four primary credit cards which sit in my wallet most of the time and I use them on a daily basis. As you can tell, Lufthansa Miles & More miles are the most important for me since my primary airline is Lufthansa and I love to redeem miles for First Class more than 2 weeks before departure. I use my Sapphire Preferred for dining and sometimes travel to earn Ultimate Rewards points to transfer to United since they have great availability on most airlines. I’ve stopped using my SPG card mainly since I don’t think it is as amazing as it once was (plus I only got it since Barclaycard denied me a few times before I got the Lufthansa card). The Premier Rewards Gold card earns me Membership Rewards points quickly and I mainly use it for gas and groceries.

Hopefully this explains which cards I use daily and why. If you guys would like, I can also do a post in the future on all of the other cards I have open that I don’t use daily.