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I earn about 50% of my miles from credit cards (sign-up bonuses, everyday spending, etc.), 40% from actual flying, and finally 10% from the occasional mileage purchases and other related promotions. Since credit cards account for half of all of my miles, I figured I would share my credit card strategy. Keep in mind that I am in no way a financial adviser – this is simply what I do to earn my miles… so proceed at your own risk 🙂

A couple of months ago I shared which credit cards I have open, here is an updated list:

Airline Credit Cards:

  • Miles & More® Premier World MasterCard®
  • United MileagePlus® Explorer Card
  • Citi® / AAdvantage® Platinum Select® MasterCard®

Hotel Credit Cards:

  • IHG® Rewards Club Select Credit Card
  • The Starwood Preferred Guest® Credit Card from American Express
  • Club Carlsonâ„  Premier Rewards Visa Signature® Card

Transferable/Flexible points Credit Cards:

  • Chase Freedom® Card
  • Chase Sapphire Preferred® Card
  • Platinum Card® from American Express
  • Premier Rewards Gold Card from American Express
  • Amex EveryDay® Credit Card

Other Credit Cards:

  • Discover it® Miles

I also shared My Primary Credit Cards and why I have each card open. So.. I have X number of credit cards currently open and most of them have been opened during the past year and will be cancelled once the annual fee comes up (unless I can get bonus points or a fee waiver). The credit cards that I keep each year and pay the annual fee (whether or not I get bonus points or a waiver) are:

  • Miles & More® Premier World MasterCard® (no annual fee because I am an elite member with Miles & More)
  • The Starwood Preferred Guest® Credit Card from American Express
  • Club Carlsonâ„  Premier Rewards Visa Signature® Card
  • Chase Sapphire Preferred® Card
  • Premier Rewards Gold Card from American Express

I use some of these cards daily basis and most of them are in my wallet. My Barclaycard Miles & More MasterCard is my most used credit card mainly because Lufthansa Miles & More miles are the most valuable to me because I can use them to book Lufthansa First Class months in advance AND since I’m a Miles & More elite, I have more access to award space with Lufthansa AND I can also book SWISS First Class using miles (something that regular Miles & More members and Frequent Travellers can’t do). So I use my Miles & More credit card for most everyday spend.

For other everyday spend (gas, groceries, etc.), I use cards that give a bonus to each category, so here are the other cards that I use on a daily basis for other everyday spend:

Premier Rewards Gold Card from American Express: Groceries, Gas, non-Miles & More integrated airlines tickets.

Amex EveryDay® Credit Card: Groceries (up to the 20 transactions per month, then groceries on the Premier Rewards Gold)

Chase Sapphire Preferred® Card: Dining, Travel (non-airline tickets only)

Miles & More® Premier World MasterCard®: Everything else in the U.S. and most things outside of the U.S.

Keep in mind that Barclaycard is currently offering a promotion whereby if you use your Miles & More credit card, you can earn bonus miles by spending on certain categories – so I’m using that card the most at this moment and have left some other cards out from my wallet.

What’s your credit card strategy?


Editorial Note: Opinions expressed here are 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.