"The very idea of being able to build a dream wallet of credit cards almost feels too good to be true. The truth is that there are so many great options that it's hard to choose just a few, and it's almost too easy to fall into a trap where you suddenly have 10 cards. This is an interesting question about trying to choose the very best credit cards to carry around."
"While the overall question of trying to create the perfect wallet of credit cards is already tough enough, the Redditor did have some stipulations. First, they want us to imagine we are individuals making between $120,000 and $150,000. They also want people to include a hotel brand of their choice, as well as an airline card option. Lastly, they want to choose cards that can earn as many points as possible in categories such as food and grocery, gas, utilities, etc."
Many strong credit card options make choosing a compact, high-value wallet difficult. A practical constraint limits the wallet to seven cards and targets individuals with $120,000–$150,000 income. The plan should include a hotel-branded card and an airline card, and prioritize cards that earn maximal points in food, grocery, gas, utilities, and other everyday categories. Current cards can offer up to 5% cash back, large statement credits, $0 annual fees, and travel rewards. The Citi Strata Premier is highlighted for a $95 fee and 3x points on travel, hotels, restaurants, supermarkets, gas, and EV charging.
Read at 24/7 Wall St.
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