Daniel Iles Got 21 Credit Cards

The three underlined cards in this list are what Daniel refers to as the “3 Exodia Pieces” of credit cards. If you have all 3 you unlock unmatched cashback potential with simplicity.

1.) Karat Credit Card

Social media influencer card (1-3% cashback)

Rated 10/10 by Daniel

2.) Amex Blue Cash Everyday Card

  • $200 sign up bonus after $2000 spend in first 6 months
  • no annual fee
  • 3% cashback groceries, 2% cashback gas

Rated 9/10 by Daniel

3.) Apple Card

1% cashback when using the physical card

Rated 7/10 by Daniel

4.) Blockfi Card

1.5% cashback in Bitcoin on all purchases (2% over $50,000)

No annual fee

Rated 8/10 by Daniel

Rated 0/10 by Stoked Wallet (more on that later…)

5.) Capital One Venture Card

Rated 6/10 by Daniel

6.) Chase Freedom Flex

  • No annual fee
  • 5% cashback in rotating quarterly categories
  • 3% cashback on dining and delivery
  • 3% cashback at drugstores
  • $200 signup bonus after $500 spend in first three months
  • 5% back on gas purchases up to $6000 (same as Sam’s Club)

Rated 10/10 by Daniel

7.) Venmo Visa Card

  • 3% cashback choose any category
  • 2% cashback choose any category
  • 1% cashback everything else

Rated 7/10 by Daniel

8.) Discover IT Cashback Card

  • 5% cashback on quarterly rotating category
  • 1% cashback on everything else
  • Discover matches all cashback at the end of the first year

Rated 6/10 by Daniel

9.) Amex Platinum

  • $750 per year
  • Private access to airport lounges
  • 150,000 sign up bonus (~$3000)

Rated 7/10 by Daniel

10.) Bank of America Alaska Airlines Card

  • $75 annual fee
  • 3 miles for every $1 spent
  • 40,000 point signup bonus (~$800)
  • 1 extra ticket to wherever for $120

Rated 6/10 by Daniel

11.) Amazon Rewards Visa Card

  • No annual fee for prime users
  • 5% cashback at Amazon and Whole Foods

Rated 10/10 by Daniel (if you use Amazon Prime)

12.) Wells Fargo

  • No annual fee
  • 2% cashback on everything
  • $200 signup bonus after spending $1000 in the first 3 months

Rated 8/10 by Daniel

13.) Citi Doublecash

  • No annual fee
  • No signup bonus
  • 2% cashback on everything

Rated 8/10 by Daniel

14.) Chase Freedom Unlimited

  • All the benefits of Chase Freedom Flex
  • 1.5% on every purchase

Rated 10/10 by Daniel

15.) Wells Fargo Outdoor Solutions

Rated 0/10 by Daniel

16.) Starbucks Rewards Visa Card

  • $50 annual fee
  • Some free coffee sometimes

Rated 0/10 by Daniel

17.) Chase Sapphire Preferred

  • $95 annual fee
  • 5% cashback on travel
  • 3% cashback on groceries, dining, and streaming services
  • $50 yearly hotel credit
  • 60,000 points signup bonus (~$900)

Rated 8/10 by Daniel

18.) Chase Ink Business Preferred

  • 5 figure credit line
  • $1500 in free travel when you spend $15,000 in the first 3 months

Rated 8/10 by Daniel

19.) Amex Gold Card

  • 250 annual fee
  • $1800 signup bonus
  • 8% cashback at restaurants

Rated 9/10 by Daniel

20.) Capital One Quicksilver Rewards

  • no annual fee
  • $200 signup bonus
  • 5% cashback on hotel and car rental purchased through Capital One
  • 1.5% cashback on everything

Rated 10/10 by Daniel

21.) Chase Sapphire Reserve

  • $550 annual fee
  • $300 annual travel credit
  • $900 signup bonus
  • 10% cashback on cars and hotels purchased through Chase
  • 3% cashback on dining
  • Airport Lounge and Priority Pass access
  • Adds 0.5x multiplier on Chase Freedom Flex and Freedom Unlimited

Rated 10/10 by Daniel

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The Airport Lounge Perk

An airport lounge is something you can buy a day pass for $59/day. Let's say you take two there and back trips a year with no layovers that's only $236 well under the $450 a year from the Citi AAdvantage Card. I get it lounges, TSA Precheck, and getting extra free checked bags are nice, but it muddies the waters of spending calculations. It should be clear how much benefit you are going to get from something for the yearly price and how long you are going to need that benefit.