Recommended Setups

Card #1 - catch all card - pick best one for you

• Robinhood Gold Card $50 Fee - 3% Back on Everything

• Chase Freedom Flex - $0 Fee - 1.5X on Everything (need Preferred / Reserve as well)

  • American Express Blue Business - $0 Fee - 2X on Everything (50K Spend Cap)

  • Capital One Venture X - $400 -> $0 Fee - 2X Everything

  • Citi Strata Premier - $100 Fee - 3X Airfare, 3X Hotels, 3X Restaurants, 3X Groceries, 3X Gas, 1X Everything

Card #2 - if you want lounge access - pick best one for you

• Capital One Venture X $400 - Priority Pass & Capital One Lounges

• Ritz Carrolton $450 - Priority Pass & Sapphire Lounges

• Chase Sapphire Reserve $800 - Priority Pass & Sapphire Lounges

• American Express Platinum $700 - Priority Pass, Centurion & Delta Lounges

  • JetBlue Premium $500 - Priority Pass & JetBlue Lounges

  • Delta Reserve $650 -  Centurion & Delta Lounges

  • American Executive $600 - American Lounges

  • United Club $650 - United Lounges

Card #3 - if paying rent or mortgage

• BILT Mastercard - $0 Fee - 3X Dining, 2X Travel, 1 Rent & Everything

Card #4 - travel program cards - add any that you like to use

• Hilton Aspire x5 $2750 -> Hilton Diamond + Free Nights + United Bank + Hilton Resorts + Clear

• Hyatt CC $100 -> Earn Hyatt Globalist & Earn One World Sapphire

• Southwest CC $150 -> Earn Southwest Companion Pass

  • American CC $0 -> Earn American Executive Platinum

  • JetBlue CC $0-> Earn JetBlue Mosaic 3

  • Frontier CC $100 -> Earn Frontier Companion Pass

  • Delta Reserve $650 -> Earn Delta Diamond

  • United Club Business $650 -> Earn United Premier 1K

  • IHG CC $0 - IHG Elite Status, Fourth Night Free

  • Marriot CC $0 -> Marriot Elite Status

Example Setup

1. Robinhood Gold

2. Venture X

3. BILT Mastercard

4. Hilton Aspire x5