Take a look inside my wallet to see which credit cards I’m using for Q1 2024! I’ve switched things up in order to maximize cash back as well as some Marriott Bonvoy points (and a Free Night Award)! Click “Show More” to see Ad Disclosure, links, and additional information below.

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Here’s my best credit card strategy for Q1 2024!

1. Chase Freedom Flex: This one is earning 5% back at Grocery Stores and on SelfCare / Spa Services on up to $1,500 in combined spend for the quarter when you activate. Remember, Chase issues cash back in the form of Chase Ultimate Rewards points. So, while they’re good for cash back, they can be worth even more when redeemed for travel if you also have the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred.

2. Discover it Cash Back credit card: Right now, this credit card is earning 5% cash back at Restaurants and Drug Stores on up to $1,500 in combined spend for the quarter when you activate.

3. Citi Custom Cash Card: This one allows you to earn 5% cash back on your Top Spend category for each billing cycle, on up to $500 for that cycle, from a preset list of 10 different categories. For me, I’ll be using the card only for gas stations to guarantee it earns 5% there. The cash back here is also issued in the form of Citi ThankYou points, which can have an even higher redemption value when combined with the Citi Premier Card and redeemed strategically via transfer partners.

4. U.S. Bank Altitude Reserve Card: This one is on my mobile wallet because it earns 3X points on all mobile wallet purchases. Since Costco and Target accept Apple Pay, this is my #1 credit card for those 2 retailers. Those 3X points yield a return of 3% for cash back or 4.5% toward travel.

5. Marriott Bonvoy Brilliant American Express Card: I found a link to a spend offer via the Doctor of Credit blog to spend $4,000 by 3/15/2024 and earn an 85K Free Night Award. My card was eligible, so I registered and the spend begins!

Doctor of Credit Post: https://www.doctorofcredit.com/ymmva...

Amex Registration Link: https://global.americanexpress.com/en...

6. Marriott Bonvoy Business Card: I received a targeted offer via email to earn 5,000 Marriott Bonvoy points after spending $1,500 by 3/31/2024, up to three times. I plan to do this once.

Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

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