What’s in Our Wallet? The Credit Cards We Use and Why

by | 04Sep2018 | Credit Cards | 3 comments

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What’s in your wallet? I have no idea what’s in your wallet. I only know what’s in mine, and I’m going to tell you.

All three of the bloggers involved in Military Millions are either active duty, in the reserves, or a veteran. (Only two of us took the time to tell you about us, though.) After weighing all the pros and cons of various credit cards, here are the cards that we use to maximize our credit card benefits and make our lives easier. I think most of these cards would make a great choice for veterans or military members out there.

Of note, none of us churn credit cards for travel rewards, so if you’re interested in that you’re going to have to find somewhere else to learn about it. We have other things to do with our time, and this blog is called Military Millions for a reason. If we want to travel, we just pay for it. If it was Military Hundreds of Thousands maybe we’d churn cards.

Also of note, none of us ever carry a credit card balance. None of us. Ever.


Card #1 – USAA Preferred Cash Rewards Visa Signature

All of us use this card because we love USAA, it is integrated with the USAA banking platform, and their customer service is generally excellent. When it comes to the rewards you earn by using the card, they are simple…1.5% cash back. Here’s a page that lists all of the various USAA credit cards, including this one which is 2nd from the bottom.


Card #2 – American Express Platinum Card

Two of us use this card. It is free for active duty, so you can get all the benefits without paying the $550 annual fee. The benefits we enjoy the most include:

  • $200 Uber credit annually
  • $200 airline fee credit
  • $100 fee credit for Global Entry
  • Access to Centurion Lounges and 1200+ other airport lounges
  • Automatic SPG Gold Elite and Hilton HHonors Gold Status
  • No foreign transaction fees

Here’s a link to get it:

Earn Membership Rewards Points Fast With The Platinum Card® from American Express


Card #3 – Amazon Prime Rewards Visa Signature Card

If you use Amazon to purchase things like we do and you’re a Prime member, this card is a winner. Here are the major benefits:

  • No annual fee.
  • No foreign transaction fees.
  • 5% back at Amazon and Whole Foods Market
  • 2% back at restaurants, gas stations, and drugstores
  • 1% back on all other purchases

Here is a link to get it.


Card #4 – American Express Blue Cash Everyday Card

We’ve used this card for years, before we realized we could get an AMEX Platinum for free. Here are the benefits:

  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores.
  • 1% back on other purchases.

Here’s a link to get it:

Earn up to 3% Cash Back On Supermarkets and Gas With Blue Cash Everyday® Card from American Express


  1. Eli

    I don’t churn credit cards but I do do my best to maximize my rewards with no effrot. Why wouldn’t you, at the very least, trade out the USAA Preferred for the Citi doublecash card for an extra .5% and the Blue Cash Everyday for the Blue Cash Preferred and get an extra 3% on grocery and and extra 1% on gas?? On top of that, where is the Chase Sapphire Reserve? Do you not want $300 a year in travel cash for free?

    • Still In

      I’ll check out your recommendations. Someone else told me about the Blue Cash Preferred, which I didn’t know about. I get the Chase Sapphire Reserve, but I also don’t want 17 cards in my wallet. I’ll check it out, though.

      Thanks for reading!

  2. David

    Navy Federal also offers 1.5% cash back Visa card similar to USAA. We bank with Navy Federal so it makes it easy.


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