What’s in my wallet
The actual cards I carry, what I use each one for, and why — not what pays the most commission. Setup as of 2026.
Cards I reach for regularly to maximize points or cash back
Pulled out for specific offers, categories, or use cases
Not used for spend — open to preserve credit history and available limit
Cards I've had in the past — cancelled, downgraded, or discontinued
This reflects my personal setup and spending habits. The right wallet for you depends on your own categories, goals, and situation — the calculators are a better starting point if you’re building yours.
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