In this video, I'm going to go over what’s changed over the past quarter, how it affects my credit card strategy, and of course, whats in my wallet for the third quarter of 2022.

For those of you who have been following my channel, I did get two new credit cards last quarter: the American Express Morgan Stanley Platinum Card and the AMEX Delta Reserve Boeing 747 Card, and these two new cards have been incorporated into my current setup.

The first card in my wallet is everyone’s favorite daily driver: the AMEX Gold Card. This card is used for all food purchases since it gets 4X points on restaurants and 4X points on groceries. The second card in my wallet is the Bank of America Premium Rewards Elite Credit Card. The multipliers of this card are 3.5X on dining and travel and 2.625X on everything else.

I also carry the American Express Platinum Card, which gets 5X points back on flights and FHR hotels as well as the Bank of America Customized Cash Rewards Card, which gets 5.25% back on gas and 3.5% back on Costco purchases.

Since I just recently got the American Express Delta Reserve Credit Card, this will be the sign-up bonus I'll be working on mainly over the next 3 months. Its multipliers are not very good - 3X on Delta purchases and 1X back on everything else so once I complete the sign-up bonus, it will most likely be taken out of my wallet.

My setup this quarter has a lot of high annual fees; however, with credits and reimbursements, these fees can be reduced to a more reasonable level. I think a lot of these cards are worthy of consideration for the best credit cards 2022.

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Chapters:
00:00 Intro
00:14 Recap of Q2 2022
01:51 Cards In My Physical Wallet
03:38 Cards in My Virtual Wallet (Apple Pay)
05:21 Summary Slide
05:43 Assessing Annual Fees
07:34 Outro

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Note: This description contains a referral link, meaning that I may earn a commission if you click through this link and buy the product mentioned.

Disclaimer: I am not a financial advisor, accountant, or lawyer, and as such, I do not provide financial, tax, or legal advice. This video, and any ideas presented in it, are opinions and are provided for entertainment purposes only. Please do your own research and consult your own financial, tax, or legal professional for specific advice.

#whatsinmywallet, #americanexpress, #amexplatinum

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