Connor's Portfolio

Opened Credit Cards

1. Military Star Card

   • This is the primary card I use when I am on a military installation and am at the food court. By default it is a 2% cash back card and it takes an additional 10% off at food courts effectively making it a 12% cash back card.

   • Cash back is given in the form of a code much like a voucher every $20 earned.

2. NF More Rewards

   • I originally opened the NF cashRewards card then I product changed this to the NF More Rewards because it has better benefits.

   • I have not found much of a use for this as I am OCONUS.

   • It gives 3x points at restaurants, supermarkets, gas and transit.

3. Capital One Secured Card

   • I opened this card thinking that Capital One would automatically upgrade me to an unsecured card, but it has not. Maybe it will at the end of Nov 2022 as I approach the two year mark.

   • This card is purely opened to extend the average length of my credit history.

4. Chime

   • This card is purely opened to extend the average length of my credit history.

5. NF Flagship Rewards downgraded to Go Rewards

   • This had a good sign-up bonus when I opened it. I will probably not renew it because it has a $50 annual fee. Realistically I would downgrade this and get the Go Rewards.

   • It gives 3x points on travel and 2x points on everything else].

6. Venmo

   • This is a cool card that gives 3% back on the highest spend category and 2% on the second highest spend category then 1% on everything else.

   • If I know I will spend a lot of money on something in one month, I will put it on this card.

   • This card only pulls from TransUnion.

7. PenFed Power Cash Rewards

   • The interest rate is meh. I got this card because it was an easily obtainable sign up bonus. It gives 1.5% cash back, but you can get 2% cash back if you are a PenFed Honors Advantage member.

   • This card only pulls from Equifax

8. Apple shared

   • I opened this card because I did not have a lot of hard inquires with TransUnion. The intent was to opened this card, get accepted easily and let this age to increased the average length of my credit history.

   • This card only pulls from TransUnion

9. Discover Student Cash Back as an authorized user

10. USAA Signature

    • I opened this card to have a better relationship with USAA. 

    • It also has a 0% introductory APR for 15 months on balance transfers.

11. American Express Delta Reserve

    • It was a limited edition card. It looks cool.

    • It was free and have relatively good benefits.

    • If I had to pay the $550 a year for the card, I would probably not keep it opened. 

    • Good benefits, but I do not think I can breakeven to justify the $550.

12. American Express Gold shared

    • Its categories are good. I can see myself using this. I opened this card to meet the sign-up bonus.

    • I since stopped using it because I am OCONUS, but I see myself using this card CONUS.

13. PenFed Gold

    • I opened this card because I did not have a lot of hard inquires with TransUnion. The intent was to opened this card, get accepted easily and let this age to increased the average length of my credit history.

    • It also has a 0% introductory APR for 15 months on balance transfers.

    • This card only pulls from Equifax.

14. Citi Custom Cash as an authorized user

15. American Express Blue Cash Preferred

    • I opened this card to get 6% off at commissaries (supermarkets on military bases). This card gives 6% off up to $6,000 which means it can be up to $360.

    • This also gives 6% on streaming services, 3% on transit and gas.

    • You can also get $7 back a month if you bundle up with Disney Plus up to $84 annually.

16. Amazon Business Prime

    • This card gives 5% back on Amazon purchases.

Future Cards