The 5 Cards The Points Guy Doesn’t Leave Home Without
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As the TPG staff was in the process of updating our Battle of the Metal Credit Cards guide, we thought “What’s in Brian’s wallet?” and how much does it weigh in at. So we checked in with The Points Guy himself to see what cards he’s carrying around on the daily, and the answer to our question is…
- American Express® Gold Card
- Chase Sapphire Reserve
- Capital One Venture Rewards Credit Card
- Business Centurion® Card from American Express
- Bank of America Debit Card
The information for the Bank of America Debit card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
All together, these cards add up to 63.7 grams out of the wallet and 91.75 grams when including the wallet itself, cash in case of emergency and of course, Brian’s Global Entry pass. (That’s 3.2 ounces in US measurements.)
Usually Brian would also have his driver’s license among the rest of the cards, but unfortunately he misplaced it. However, because TPG has the Global Entry pass, he’s able to carry that around for identification rather than having the worry of keeping track of his passport while he waits for a new license.
You may be wondering why these are TPG’s go-to cards, so let’s break down the benefits of each:
1. American Express Gold Card
This card is great for those who love to dine out and if you need to know one thing about Brian, it’s that he’s quite the foodie. This card earns 4x points on dining at restaurants and offers the highest return on spend (8% back based on his valuations). Back in December, the Gold Card was on Brian’s wishlist because of the amazing dining rewards, and since then, it’s become a staple in his wallet precisely because of this perk.
2. Chase Sapphire Reserve
Prior to the Gold Card, the Reserve was Brian’s go-to card for dining out. But the main reason this card still holds its spot in his wallet is for its other amazing bonus category — 3x points on travel spend (hotels, Uber, car rentals, tolls, etc). This is obviously a big spending category for TPG, so it’s a clear winner when it comes to racking up points fast.
CSR cardholders get a value of 1.5 cents per point when booking through the Ultimate Rewards travel portal, which is great value when redeeming for travel. Not to mention that Chase has numerous notable transfer partners including United and Hyatt, so there’s a lot of flexibility and opportunity to really maximize your points.
3. Capital One Venture Rewards
Famous for its 10x miles per dollar and stackable rewards on Hotels.com (when booked and paid for via Hotels.com/Venture through Jan. 31, 2020), it’s no wonder why this is a top card for TPG. Whether it’s for personal or business stays, there’s no question about using this card for accommodations through Hotels.com. Additionally, the travel Purchase Eraser feature is another lucrative redemption from the issuer that allows you to put your points towards other travel expenses, as well as transfer to its airline partners.
4. The Black Card (a/k/a Amex Business Centurion Card)
If you’ve been taking notes on what cards to get based on TPG’s wallet, you’ll have to stop here, as the coveted “Black Card” is by invite only and comes with a hefty $2,500 annual fee. Although this card isn’t for everyone, for frequent travelers and business owners like Brian, the Business Centurion card offers unmatched benefits like a personal concierge 24/7, access to Amex lounges across the globe, invites to exclusive events and big rewards for big spending. In fact, Brian’s Bottega Veneta wallet itself was a gift from the Business Centurion folks this past holiday season, which he talked about at the time on Instagram.
5. Bank of America Debit Card
Here at TPG we’re major naysayers about debit cards because they offer no real value when it comes to earning points and miles. However, it’s always good to have your debit card on you just in case you need to grab some cash and don’t want to pay a credit card fee. Plus, Brian is a member of the Bank of America Preferred Rewards program, which gives him extra perks, including a bonus of 2.625 points per dollar spent on all purchases on his Bank of America® Premium Rewards® credit card for being a Platinum Honors elite member.
For rates and fees of the Amex Gold card, click here.
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With some great bonus categories, the American Express Gold Card has a lot going for it. The card offers 4x points at restaurants, at U.S. supermarkets (up to $25,000 per calendar year; then 1x), and 3x points on flights booked directly with airlines or through amextravel.com.
- Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
- Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- See Rates & Fees