Credit Cards that we actually (and will) need:

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  1. Chase Sapphire Preferred (Points for Food and Travel*)
  2. Chase Freedom Flex (5% Categories)
  3. Discover It (5% Categories)
  4. Bank of America Customized Cash (Back-up Cash Back–3%)
  5. Amex Blue Cash Preferred (Main Cash Back–6% Groceries and Streaming, 3% Transit and Gas) – this one I still need to apply
  6. Amex Gold Card (Points for Food and Travel*) – this too I still need to apply
  7. BILT Card (Rent payments) – this I need to apply as well

Reviewing my credit card strategies because I was distracted by trash cards that are mediocre at best. This disruption on my credit card strategy was triggered by one card: Amex Hilton Surpass Card. I thought this card was highly beneficial for me as a traveling RN especially during start of assignments. However, it turns out that the cents/point on Amex-Hilton is not only low but also it charges exceedingly high when you book with points on their properties. On top of that, I was not able to get the sign-up bonus I was expecting to have because of the terms on how they approved me–no credit pull. Later this year, I will have to downgrade this card to the no annual fee version.

Moving forward, I will strategically apply on the last three cards on the list. The order of application for these card will be dependent on my situation this coming 3rd quarter.

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