What are your top five credit cards and why?

[Saleen099]

1) American Express, Centurion card
2) JP Morgan Reserve
3) Ritz Carlton 
4) Hyatt 
5) Freedom, Unlimited 

[longtimelurker]

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@Saleen099 wrote:

1) American Express, Centurion card
2) JP Morgan Reserve
3) Ritz Carlton 
4) Hyatt 
5) Freedom, Unlimited 

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How does the Freedom Unlimited slip in there!   With the other 4 cards, you still wouldn't be able to transfer URs so it would be basically a 1.5% (OK, with some 3% categories)

[Drifter73]

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@Saleen099 wrote:

1) American Express, Centurion card
2) JP Morgan Reserve
3) Ritz Carlton 
4) Hyatt 
5) Freedom, Unlimited 

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Top 5 we have in our card deck already and leverage daily or a wish list of 5 cards we may never obtain or realistically ever need?

[redpat]

I can only give you 4.

[1LostArk]

Currently:

1. BofA Premium Rewards

2. Chase Ritz

3. BofA Customized Cash Rewards

4. Verizon Visa

5. Citi Custom Cash

[Kforce]

I put all spend on one card (AOD)

Like it simple   

[MarkintheHV]

Hmmm, probably what is in my signature.  I pruned everything down to only what I feel is necessary, so I only have my best that stayed open.  All have decent credit lines so I am set.

NFCU Flagship

AmEx BCP

Citi AA Executive

Got a couple of business cards, not sure if those count but here they are:

AmEx Delta Reserve Biz

Citi AA Biz

[UncleB]

Mine are as follows:

1.  U.S. Bank Altitude Reserve

• Effective 4.5% back on all Google Pay transactions, which is most places other than Walmart

2. U.S. Bank Cash+ (x2)

• 5% back on utilities and streaming

3.  Discover

• 5% Categories (some more useful than others; Paypal, grocery, and mobile wallet are favorites)

4.  Chase Freedom (x2, OG and Flex)

• 5% Categories (Walmart and Paypal are favorites)

5.  Citi Double Cash

• 2.22% Catch-all (the extra 0.22% is from having the Rewards+, which is never used)

[Horseshoez]

Easy question since I only have six cards and the Quicksilver card is in my sock drawer:

1. TDBank TDCash Visa
2. Chase Sapphire Preferred
3. Chase Freedom Unlimited
4. Capital One SavorOne
5. PenFed Platinum Rewards

[nytokyobred79]

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@Saleen099 wrote:

1) American Express, Centurion card
2) JP Morgan Reserve
3) Ritz Carlton 
4) Hyatt 
5) Freedom, Unlimited 

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1. CSR- for UR, bonus rewards on travel/dining, redeem URs for  travel bonuses  and yearly travel credit, ability to transfer URs from my CFU

2. Delta Reserve - fly Delta quite often for work 

3. CFU- for URs and occasional 3% categories. Typically, move URs to CSR and redeem for travel 

After the above 3, I suppose the BCE for the 3% grocery and online benefits but want to upgrade to BCP when a good upgrade offer comes out. Then, it's a mixed bag as I have several duplicate cards. When I returned to the credit card game after 20 years in 2019, I didn't really have a strategy per say other than getting several non FTF cards since I spend nearly half the year in Japan to this day.  I'll probably be thinning the herd and/or PC'ng  cards such as my BoA Travels Rewards to Premium Rewards and also, if I can PC my Unlimited Rewards to Customized Cash Rewards, I'll try.