What are your long-term keeper cards?

EdisonL299 wrote: ↑ Amex Cobalt - 5X
Scotiabank Gold Amex - 5X, No FX
Scotia Momentum VISA Infinite - 4%
Amex Bonvoy - free night
MBNA RWE - uncapped 2% on everything

Kiraly wrote: ↑ That's $600 in annual fees...wow. Your spending must be very high in all categories to make that worthwhile.
I only have one keeper card with an annual fee that I pay:
Meridian Cash Back Visa Infinite. 4% groceries/gas, 2% pharmacy/TV/phone/utility. $99/year.

Free cards I keep:

Rogers WE
CTFS WE
Tangerine World
Capital One Costco
Amex Simply Cash. My oldest trade line opened in 1999
Brim

deltatux wrote: ↑ Planned long term keeper cards: Triangle WE MC, Rogers WE MC & AMEX SimplyCash. We spend quite a bit on the Rogers WE MC, the Triangle WE MC still doesn't have a stated minimum spend yet, so we'll see if that changes through the year.

Currently contemplating switching out the Scotiabank Gold Amex to a Momentum VI as our spend patterns have changed, the Scotiabank MVI might be a long term keeper card if I go through with the change.

rhw123 wrote: ↑ We already have a thread for this: credit-card-combos-thread-2263322/

1. in 2018-2019, my lead cards were TD CT with a PS merry-go-round for CBI and FCT, got banned in 2020
2. in 2020, my lead cards were AmEx Cobalt and CTFS WE with the Cash Advantage for MS & BP (basically drawered), then TD Cash VISA for non-AmEx Resto, and Cap1 Quicksilver for forex stuff that requires 3Ds
3. End 2020 (or 2021 I guess) lead card is CDC VISA Plat [Icey White]. 5% everything with a handful of exclusions and no 3Ds. A one-card-solution for where it works and cashback not excluded. I still have Cobalt and CTFS, those will cover exclusions and will likely be dedicated to MS

smartie wrote: ↑ Amex earns scotiabank point and momentum is cash back, make sure you use your point before switch

coolintheshade wrote: ↑ No such thing for me, especially since cards are getting axed every day, so you basically can’t count on anything being a forever card.
Unless of course you don’t care about maximizing your rewards, and just use 1% cards for everything.
Having said that, I voted CTWE, because of the RSA and I’m a CT family store shopper, so I suppose I’ll have that long term.
But I do see them downgrading me when the 15k requirement come into affect, as I don’t reach that spend on this card.

Kiraly wrote: ↑ That's $600 in annual fees...wow. Your spending must be very high in all categories to make that worthwhile.
I only have one keeper card with an annual fee that I pay:
Meridian Cash Back Visa Infinite. 4% groceries/gas, 2% pharmacy/TV/phone/utility. $99/year.

Free cards I keep:

Rogers WE
CTFS WE
Tangerine World
Capital One Costco
Amex Simply Cash. My oldest trade line opened in 1999
Brim

Eleventeen wrote: ↑ $600 is a lot?
heh the last couple years i've paid at least $3000 a year in annual fees. All worth it. Though yea plenty aren't keeper cards.

Eleventeen wrote: ↑ $600 is a lot?
heh the last couple years i've paid at least $3000 a year in annual fees. All worth it. Though yea plenty aren't keeper cards.

But I do have 6 Marriott cards contributing quite a bit to that, which are keeper cards. And yea zero spend on them still worth it because each gives a FNA worth more than there annual fee. (free night award) And since travel has sucked the last 1.5 years.. Marriott has been super cool about extending them, they just announced there doing yet another round of extensions to jan 2022, so yea cant even remember how old some of mine are now and still valid. Got 8 active atm.

Amex platinum US is an easy one with a huge fee that I never planned on keeping, but yea they offer so many credits and this year waived the fee so yea it made sense.

Outside of amex, yea paying huge annual fee's long term often makes no sense. So aside from many amex, I think my only keeper card with a fee is Chase sapphire preferred. Upgrading to the reserve someday when travel is cool again still on the table too.

And in canada, yea no one really can compete with amex/chase so little point thinking about keeper cards here aside from amex. Aside from the one obvious CTFS due to it's very unique no fee + premium roadside. Don't think we have any other no fee cards worth talking about (crypto, but it's also not exactly free for the good versions due to investment requirement) I have a handful i guess i keep for specific shops, but nothing too exciting (scene for cineplex if it ever reopens, PC for SDM or rarely PC, less interesting now its nerfed to 2%)

So yea i dunno my exact $ total but i'm keeping my 6 marriott , cobalt, and probably at least one platinum for amex, and the CSP. Somewhere north of $1500 .

Easier now i can not care about category cards at 2-3% thx to the crypto.com visa. Here is my spend matrix:


Was a fair bit more complex before the crypto jade visa.