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I probably shouldn't say this but even if they increase the annual fee to 800 I'd still be pretty happy what's up guys it's Sebastian from ask zebbe today we're going to look at what's in my wallet heading into January towards the middle I'll talk about how I use credit cards towards a trip that we just did to Houston and also the one that we're currently on in Park City on kind of a side note I might start incorporating trip reports into these what's on my wallet videos I feel like we talk about cards and points and all that stuff quite a bit but less so how to use them with that said though big favor before you dive in is to give this a thumbs up to help with the algorithm and if you are new here to consider subscribing the first card is going to be the American Express gold this is one of the best Workhorse cards and especially for people in the middle late game it's a Mainstay ironically it is currently missing from my physical wallet because it's my ski jacket and that's in the Valley area the main draw of the card is that it's an amazing points earner you get four expected restaurants and also four expected U.S supermarkets and up to twenty five thousand dollars in spend per year I don't use this card for flights but that's an option as well you're going to get 3x bike and flights book directly with Airlines or on amixtravel.com there is a 250 annual fee that tend to scare new people but it's a lot more reasonable than you think you get 10 a month in Uber credit that works for Uber as well as eats I don't have a card in the city and we do take a lot of Ubers whether it's to the airport or to get to farther areas for me given how I use it it's as good as cash you also get a 10 per month dining credit that works for things like GrubHub Cheesecake Factory goldbellywine.com Milk Bar and select Shake Shacks to the dismay of Mandy I do like going to shake shack after going to Barry's boot camp always happy to get a stack Shack or a Smoke Shack 250 minus 120 minus 120 is a 10 effective annual fee and of course this is not going to be for everyone there are some people that just hate those services and it's not going to be useful if you're forcing yourself to use Uber then I discount those credits number two is the Chase Sapphire Reserve this is acting as both a travel card and also a minimum spend so I ended up signing up a few weeks back when they had the elevated offer in year one it makes a ton of sense and year two you can always downgrade it if it doesn't make sense for now though the...