Being in the Miles Game means occasionally changing the content of your wallet for the maximum amount of miles/points with the least amount of fees. We have an updated page of the best cards for each spending category. I frequently take advantage of credit card sign-up bonuses for free cash and miles and am holding a total of 18 credit cards as of today. I’ve been doing it for many years and never had a long-term negative impact on my credit score as I regularly cancel those that I do not use.
In this article, I will be sharing those that I actually use regularly, ranked according to importance.
Note: “MPD” refers to Miles per dollar and “PPD” refers to Points per dollar.
Citibank Prestige
– Stay 4 nights at any hotel worldwide and get 1 night refunded.
– Unlimited complimentary worldwide Priority Pass airport lounge access for 2.
UOB One
– 10% cash back for topping up GrabPay balance.
Citibank Rewards
– 4 MPD for topping up GrabPay balance.
GrabPay (Prepaid)
– 10 PPD for SGD & foreign currency spending.
Revolut
(Prepaid)
– Free overseas cash withdrawal up to $350.
YouTrip
(Prepaid)
– Flat $5 fee for overseas cash withdrawal of larger amounts.
OCBC 90°N
– 8 MPD on Agoda, Expedia and Airbnb.
American Express Krisflyer Ascend
– For the occasional AMEX promotions.
Having multiple credit cards can be overwhelming. I recommend using my simple credit card management sheet to keep track of the important details like statement dates and credit limits of the cards that you are holding.
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