This question of which credit card do I have in my wallet seems to be asked fairly often. So I thought I would share my updated portfolio from last time. I generally try to shake up my batch of credit cards every 3 months, which coincides with the previous post.
Last time, I mentioned that I wanted to keep my portfolio, but it was due for an expansion.
My primary card continues to be the Capital One World Elite Aspire Travel MasterCard. I am more than happy to continue to earn 2 points for every $1 spent, which comes out to 2% cash back that I credit travel expenses (especially taxes and fuel surcharges on a reward redemption).
I put my Rogers recurring bill on my Rogers Platinum MasterCard to continually waive my annual fee. I have also been putting my foreign purchases on this card to earn me 4% cash back.
Happy to receive the 50,000 sign up bonus with the Chase Marriott Rewards Premier Visa. There is so much uncertainty around Chase Canada, that we mine as well take advantage of the offer while it is still around.
Signed up for the BMO World Elite MasterCard since the first year fee is currently waived, along with a 20,000 sign up bonus points and 4 complimentary Priority Pass lounge access visits.
Specialized Credit Cards
I have a few upcoming Best Western stays which I will be using my MBNA Best Western MasterCard to earn 5x the points on Best Western purchases.
Last time, my RBC Esso Extra Visa has been converted into the RBC Rewards+ Visa for the time being, since the Esso card has been discontinued. Will be looking to convert it into something else later on.
Due for Cancellation / Transfer
Time for the TD Aeroplan Infinite Visa to go. I cannot justify paying the annual fee.
Will be looking to transfer my RBC Platinum Business Visa to the no annual fee cash back version instead.
I may be looking to jump back into American Express credit cards.