To paraphrase Tolkien-there is “no one card to rule them all”. Credit cards come in a range of options from no annual fee, cash back cards to cards with high annual fees where you have to be invited to apply. Additionally these cards come with a host of benefits from cell phone insurance, travel protection, and extended warranties to hotel status and airport lounge access. Some of these benefits are automatic, some you have to enroll for.  The key is knowing they exist.

Are you utilizing all of the benefits on your existing cards? Are you using the correct card to get to your travel goals? Is there a card that is a better fit for you? Let’s talk about your current credit card portfolio and see what holes you have.  I’ll have you complete a form that determines your spending habits, travel habits and the cards you currently hold. No account information will be needed so you don’t need to be concerned about security. Then I’ll make recommendations for any changes you should make as well as teach you how to sign up for all of your benefits.