2020年2月現在で保有しているすべてのカードとその理由

2020年現在で持っているクレジットカードをすべてリスト化してみました。持っているクレジットカード(と狙っている新しいカード)で戦略が大きく変わってくるので、みなさんの参考までに私と妻のカードをすべてここに示します。日本語がわからない妻のためのリストと兼用のため、内容は英語になってます。ご了承ください。

でも、ただ単にこんなカード持ってますだけだとつまらないので、持っているカード、その年間費、便利だと思っている主な特徴(主観ですが)、維持か放棄か、その個人的な理由をまとめました。

あと簡単な内訳です。私がPrimary card holderのカードが31枚で、妻がPrimary card holderのカードは2枚でした。また、個人用のカードの方が32枚(Authorized user口座も含む)とビジネス用のカード7枚に比べ、圧倒的に多いです。

また、発行元の銀行で見ると、トップ3はAmexの8枚、Chaseの7枚、Citiの5枚となっています。

ちなみに、年間費は、$4000以上も払っていました。。。やばい。。。

0
私のカード枚数​
0
妻のカード枚数​
0
個人用のカード枚数
0
ビジネス用のカード枚数
0
Amexカード枚数
0
Chaseカード枚数
0
Citiカード枚数
$ 0 以上
年間費

注意:クレジットカードを正しく使うにはちゃんとした知識と管理が大切です。私の保有カードは「例」に過ぎないので、参考程度に見て下さい。

Card NameAnnual FeePrimary FeaturesKeep/CancelReason
American Express Platinum Card$550Centurion lounge, Delta lounge, 5x MR points on flights and Amex Fine Hotel prepay, improved travel insurance, Amex Fine hotel, $200 Uber Credit, $200 Airline credit, Amex offer, $100 Saks credit, Marriott and Hilton Gold.KeepCenturion and Delta lounge access worth at least $300/year for me. $200 Uber is $200 value. Airline credit is hard to use but can use on Delta flight. We fully utilize $100 saks credit. Every time we use Amex Fine hotel, we save at least $100 (3 to 5 times a year). 5x MR on flights with improved travel insurance is a positive change. Hilton Gold comes with breakfast in most Hilton property. Amex offer is also great for Platinum
American Express Platinum Card$175Centurion lounge, Delta lounge, Priority PassKeepLouise has access to Centurion and Delta when travel alone or delta lounge acccess when traveling with me (worth $200/year).
American Express Platinum CardN/ACenturion lounge, Delta lounge, Priority PassKeepGiving away two additional cards for free to friends is nice feature as well (giving them Centurion, delta and priority pass lounge accesss for free)
American Express Platinum CardN/ACenturion lounge, Delta lounge, Priority PassKeepGiving away two additional cards for free to friends is nice feature as well (giving them Centurion, delta and priority pass lounge accesss for free)
Bonvoy Brilliant Amex Card$450$300 Marriott Bonvoy Statement Credit, Free Night Award up to 50K, 6x Marriott Bonvoy points for Marriott propertiesKeep$300 Marriott credit is like cash and apply to hotel stay. $300 value. Free night stay is more than $150 to off-set the annual fee. Default card for Marriott stay.
Delta Platinum$195Annual Companion Certificate, First Bag Checked FreeCancel?Annual fee will increase to 250 from 195. July 2020 is my renewal month. Biggest benefit of companion ticket is harder to get positve value since the annual fee increase. But, since I am losing Delta Gold status, checked in bag free may have some value for long distance domestic travels or positioning travel.
Blue Cash Everyday$03% cashback at supermarketKeepCard that I keep the longest. Keep it for credit store purpose.
Blue Cash Everyday$03% cashback at supermarketKeep
Bonvoy Amex Card$95Annual Free Night Award (upto 35K) No longer availableKeepFree night is valued more than $95 Annual fee. Discontinued Card. Keep as long as I can.
Bonvoy Business Amex Card$95Annual Free Night Award (upto 35K)KeepFree night is valued more than $95 annual fee
Bonvoy Business Amex CardN/AKeep
American Express Gold Card (wife)$2504x MR points on Restaurants & Supermarkets, $100 airline credit, $120 dining credit, Amex offerKeep4x MR points on Supermarket is impressive. $500 monthly spending means 2000 MR points ($40 value)/month. This alone is valued at $480/year. We use $120 dining credit full (shake shack) Delta flights can use $100 airline credit.
American Express Gold CardN/AKeep
Alaska Airlines Visa Credit Card$75Earn Alaska mile, Companion ticket, No foreign transaction fees, Free checked bag, PIN-enabled purchaseKeepCompanion ticket is flexible and extremely valuable. Primary general spending card for abroad since earning alaska miles, no FT fees and PIN-enabled.
Premium Rewards credit card‎$95$100 Airline Credit, increased return when I have premium banking relationship with BoAKeepBasically this is a no annual fee card since I can get AA gift card using the airline credit. Use the points after I move money to BoA for an increased return.
Barclaycard Arrival Plus World Elite Mastercard$89Chip-and-pin capability, flexible reward and large signup bonus. 1st year annual fee free. No longer availableCancel$700 worth of points for sign up was great. Ability to apply credit after spending was good. No annual fee for the first year was plus. Chip and pin allows us to spend in Europe seemlessly. No longer available for new application, but on going benefit is limited. Chip-and-pin works on BoA card. Use all the points before cancel before Feb.
Capital One Spark Business (Mile)$95Transferable point. Can combine with Venture and VentureOne points. 2x on all spending.Cancel?Since I can transfer the points to my wife’s capital one account, I may cancel this card when the annual fee hits the account around July 2020.
Capital One Venture Rewards Credit Card$95Hotels.com 10x back. (Ended) Transferable point. Combine with Venture and VentureOne points. 2x on all spending.KeepI was able to get a refund on the annual fee this year. Makes it a fee free card. Keep it for a year.
Capital One Venture One Rewards Credit Card$0Hotels.com 10x back. (Ended) Transferable point. Combine with Venture and VentureOne points.KeepBack up card for all Capital one points
Capital One Venture Rewards Credit Card (wife)$95Hotels.com 10x back. (Ended) Transferable point. Combine with Venture and VentureOne points. 2x on all spending.KeepNew card. Getting a sign-up bonus. Keep at least one year.
Chase Freedom Credit Card$05x rotating categoryKeep5x rotating category is useful
IHG Rewards Club Select Credit Card$49Free night up to 40K or less. IHG Platinum status. 10% back on redeemed points Discontinued cardKeepFree night certificate alone is more than $49 in value. Other benefits are nice to have. Can combe with new IHG card (when I get one). No longer available so keep as long as I can
Marriott Bonvoy Boundless Credit Card$95Free night certificate upto 35K.KeepUpgraded from old Marriot card. In exchange I got two free night certificates upto 35K. Annual free night certificate alone worth more than 95.
The Ritz-Carlton™ Credit Card$450 $100 discount on two or more airline tickets. (Discontinued) Unlimited Priority pass. Free night certificate upto 50K. Unlimited authorized user with no documents. Great travel insurance. $300 annual travel credit.Keep$100 off domestic flight was too good and no longer available. We use 5 to 6 times a year at least. Still, $300 annual travel credit is relatively easy to liquidate. Free night certificate is nice. Travel insurance is industry top coverage. Our primary priority pass card since Ritz card has the most generous priority pass access (unlimited guest and non-lounge access). Work well with unlimited authrized user to give to family and friends.
CHASE Sapphire Reserve$450$300 travel credit. 3x on travel and dining. UR points. Premium card to work with Freedom. Best rental car credit card. LHRC access. Lyft and DoorDash promoKeep$300 travel credit is very easy to use. So the annual fee is technically $150. I use it for non-amex restaurant, bar and cafe and non-air ticket travel expense like Uber, train, rental car etc. Also, mobile Suica charge in Japn is 3x MR. Very useful feature and best card for Japan Suica charge. With this trick, I get almost 6% back on almost ALL transaction in Japan. Annual fee is increased to $550. But my fee will go up next year (Feb.)
Chase Ink Plus Business Credit Card$955X points on office supplies and cable/telecom services, up to $50,000 spent annually. UR points. Premium card works with Ink Cash No longer availableKeepNo longer available. Use for ATT internet and Google Fi service. Getting about $190 worth of UR points back. More return by getting gift cards from Office supply store.
Chase Ink Cash Business Credit Card$0Earn 3% cash back at gas stations, restaurants, office supply, hardware and home improvement stores.Keep3x restaurant and gas station make perfect for my wife
Citi Double Cash Credit Card$02% cash back on everything, then convert to TY points. No limitKeepConversion to TY points is 1:1, which makes effective 3.4% return on spending. WIth Citi Premier, the points can be transfered to partner alines. Default general spending card
Citi ThankYou Preferred Card$0Occasional target promotions. No longer availableKeepNot competitive bonus categories. But good target promo available sometimes. E.g. Gas 5x TY points. May change to Reward plus for 10% back on redemption. Keep as long as I can
Citi Premier Card$953x on Travel including Gas Stations, 2x restaurant. Premium card to convert all TY points to transfer partners.KeepDefault gas purchase to get 3x TY points. This is the card to convert TY points from all Citi TY cards to transfer partners. Must keep for the purpose. May upgrade to Citi Prestige later
CitiBusiness / AAdvantage Platinum Select World Mastercard$95First Checked Bag Free for myself and four other companions on the same reservation just having the card (don’t have to use it)CanceledChecking bag is $30 a bag, one way. FFor long distance, Check-in bags comes in handy. Get new Citi AAdvantage Executive Card before closing this card. Check Citi 48 months rule. 4/9/2020 Card was canceled due to COVID-19 and no travel plan for next 6 months with AA.
Discover it Cash Back card$0Rotaing 5% cashback categoriesKeepNot much use. But free and some rotaing categories are nice.
Fidelity Rewards Visa Signature Credit Card$02% back and put the money in my investment accountKeepNot used at all. But keep it for credit history purpose.
L.L.Bean Mastercard$0Free return on LL bean items. 4% return on LL bean purchaseKeepLL bean has excellent return policy. Free return is valuable.
Rakuten Cash Back Visa Credit Card$0Work with Rakuten portal. Additional 3% back. Cashback is converted to Amex MR points and transfer to my account.KeepRakuten portal + 3% additional cash back is usually the best way to shop online. Often results in 10% to 25% off. Conversion of cashback to Amex MR points makes it very valuable. Double the return.
Altitude Reserve Visa Infinite Card$4003X points (Apple pay 4.5% cash back). 12 GoGo inflight wifi pass/year. $325 travel credit a year. Real-Time Rewards. No foreign transaction fees.KeepTravel credit is very easy to use and automatic. Effective annual fee is only $75. 12 GoGo wifi value is more than the $75. Effective 4.5% back on Apple pay is great for non category physical retail stores that accepts Apple pay globally.
REI Co-op World Elite Mastercard$05% back on all REI net purchases.KeepREI has excellent return policy. We buy some items throughout a year. Nice to get extra bonus.
Target RedCard$05% return on Target purchaseKeepKeep it for Target purchase
Delta SkyMiles American Express Gold Card (Japan)28,600円Delta Gold status (discontinued)CancelNo longer gives Delta Gold status by just having it. Now a large spending requirement for the qualification.

本記事に関する注意事項(DISCLAIMER)

記事の内容は著者の個人的な意見であって、銀行、クレジットカード発行会社、航空会社、ホテルチェーンのものではなく、そのような組織による記事のレビュー、承認、推奨などは一切ありません。

またポイントやマイルに関わる情報は変わっていくものなので、公開時に正しい情報であっても、時間が経つにつれ情報が古くなり正確性に欠ける場合があります。紹介されているアドバイスやアイデアはすべて自己責任でおこなってください。本サイトで紹介された内容により損害が発生しても一切の補償はできないのでご了承ください。

以下のコメント欄はコミュニケーションの場の1つであって、投稿者の個人的な意見です。記事で紹介している銀行、クレジットカード発行会社、航空会社、ホテルチェーンのものではなく、そのような組織によるコメントのレビュー、承認、推奨などは一切ありません。

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