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.
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.
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.
Chime
This card is purely opened to extend the average length of my credit history.
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].
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.
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
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
Discover Student Cash Back as an authorized user
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.
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.
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.
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.
Citi Custom Cash as an authorized user
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.
Amazon Business Prime
This card gives 5% back on Amazon purchases.
Chase Freedom Flex used to open the Chase Sapphire Preferred
This gives 5% back each quarter that Chase predetermines. 3% back on dining.
On top of this it gives $200 cash back on the first $500 spent.
Chase Sapphire Preferred to be converted to the Chase Sapphire Reserve
US Bank Cash+ used to open the Altitude Reserve
US Bank Altitude Reserve
Capital One Venture X
American Express Platinum