My Credit Card Strategy For 2020 – Waller’s Wallet

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I usually run a cash back credit card rotation, but there could be some changes to my credit card strategy in 2020. Plus I have a few travel credit cards on my wish list and also I’ll let you know where I’ll be traveling on 2020

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24 comments

2808 Heavy January 7, 2020 - 4:40 pm

Sounds like a busy year Dustin. Like you I tend to let my points take me to different places. I’ll burn points for domestic first class as in right in the middle of the US and most places are short haul for me.

Most routes from here are on narrow body jets and main cabin is just much to close for my personal liking. I will forego first class in the rare instance I’m in a regional jet like the Embraer that has the 2-2 configuration.

Most bloggers either sleep on or deem TYPs useless or not worth mentioning but they are one of my favorites to be honest. So I agree with picking a strategy that works for ones travel plans versus being a sheep to what the bloggers are financially gaining from that month.

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Alvin S January 7, 2020 - 4:42 pm

New Year. New Hair. New Cards!

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A BC January 7, 2020 - 4:44 pm

Dustin, did you get a haircut? My setup is Amex trifecta (Morgan Stanley Amex platinum, gold, bbp), Chase freedom, Discover it. Wf propel on the bench with csr.

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Joseph Paine January 7, 2020 - 6:05 pm

That's a solid plan Dustin. And I hope you give the Altitude Reserve another chance. I know how much you loved that card and how well it worked out with the mobile payments. But, the Sapphire Reserve is a decent card and that will probably be my first premium card. My plans for 2020 are slim. Just a trip to Hawaii in September and a couple road trips to Omaha, NE and Branson, MO. As far as credit card plans, I am under the radar for two years for a new slate. I enjoyed this video. Happy travels and take care Dustin!

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kjansen777 January 7, 2020 - 6:25 pm

All about my wife now. Keeping her on simple Amex acquisition to finalize her five cards. Two more to go. I’ll plan on nothing until I’m ready to start a business. I’m not at 5/24 until July 21. Can’t get Citi TY until late 21. So I’m stuck with US Bank or Citi AA.

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Catchy Chazz January 7, 2020 - 6:43 pm

Can you still PC to a Dividend? Also, thoughts on the Gold card + Rakuten card MR combo?

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Kaidi Cao January 7, 2020 - 8:24 pm

Why does your Hilton Aspire Card have an annual fee of only 95?

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Ali Khalid January 7, 2020 - 9:40 pm

Are you still keeping your amex platinum?

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Ali Khalid January 7, 2020 - 9:41 pm

My strategy is simple, if the card didn’t gives me more rewards than the AF then it’s out.

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Naphtali January 7, 2020 - 10:07 pm

Great video. CC says you're "Molars Walnut."

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tola978 January 8, 2020 - 1:48 am

Waller appreciate ur channel. Love the fact that you don't use click baits like "travel for free". We all know it's travel for less. Family guys like us do it to reduce our cost and travel more often. Keep up the great work.

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L.A. Rivas, Esq. January 8, 2020 - 2:42 am

I'm considering having my spouse obtain the World of Hyatt card and getting the AMEX Platinum CS version. Then I'd have to wait until next Fall to get my first business credit card, the Chase Ink Preferred. Then I would get the remaining Chase Ink business cards. After that I would start focusing on business cards for the foreseeable future.

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Theodore Keys January 8, 2020 - 2:57 am

Credit card bills omg 😮

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Charles Wheat January 8, 2020 - 3:13 am

I was wondering if you could possibly do a video on airline miles and points, And the topic would be about which points and miles expire and which ones don’t and if you transfer points from one Card to another do they expire after a certain amount of time like the double cash card does to the Premier

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david hamilton January 8, 2020 - 7:00 pm

Dustin I value your opinion..I'm a Bank of America customer. I got laid off January 1st so I was thinking of moving my 401k for platinum honor benefits. Didn't really know if made since..but if your think of doing then it must be soild…

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Gabriel McKee January 8, 2020 - 10:46 pm

Now that they are screwing with the CSR, I really don’t care about 5/24.

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Jordan Ziolkowski January 9, 2020 - 1:47 am

This didn’t age well.

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Hey Eric January 9, 2020 - 5:45 am

5 likes for the intro👍👍👍👍👍

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lewis20002000 January 9, 2020 - 6:32 pm

Very well done Waller.

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Mo Mo January 10, 2020 - 3:57 am

Can you get a louder, clearer mic? Or project louder?

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Bruce M January 14, 2020 - 2:12 am

I'm confused. How do you have a Hilton Aspire card for $95 with Priority Pass? When I look up that card, it costs $450.

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Dugroz Reports January 14, 2020 - 4:36 am

Have you done a video about your "use points to re position to a larger city" concept? I also live in a small (airport) town.

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Kevin Lee January 26, 2020 - 8:31 pm

$95 annual fee for Hilton Aspire? How is this possible? It should be $450.

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Sylvia Mortgat February 10, 2020 - 5:39 pm

Location location! From San Francisco, I fly to Asia and European countries. United airlines serves me well. So I have : United explorer card from Chase, Chase sapphire reserve, BOA Air France KLM just in case. For cash back I have Citi/Costco. I have transferrable points, cash rebates and travel protections. I’m happy! Your mileage may vary. Good luck, travelers!

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