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Why I have 21 credit cards, and how I decide which ones to keep

Why I have 21 credit cards, and how I decide which ones to keep
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Canceling a credit card can impact your credit score.
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This page includes information about the Discover it® Cash Back product, which is currently not available on Insider and may be out of date.
Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective. ....

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Delta Platinum Amex card review: Companion certificate and great bonus

Review: Is the Delta SkyMiles Platinum American Express the best credit card for you?
Along with a welcome bonus of 90,000 bonus miles after you spend $3,000 in purchases in the first 3 months from account opening, one Delta SkyMiles® Platinum American Express Card benefit can easily wipe out the annual fee cost (and then some). Each year on your card anniversary, you ll receive a Delta companion certificate to use when you book an eligible paid Delta flight. A companion can come along with you for just the cost of taxes and fees and on expensive routes, the savings can be substantial.
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Delta SkyMiles Gold Amex card review: A great bonus and benefits

Review: Is the Delta SkyMiles Gold American Express card the best credit card for you?
If you travel on Delta, even occasionally, the Delta SkyMiles® Gold American Express Card is worth considering. Along with a welcome bonus of 70,000 bonus miles after you spend $2,000 in purchases in your first 3 months from account opening, cardholders receive perks that can save money and time when they fly Delta including a free first checked bag, priority boarding, and a 20% discount on inflight purchases.
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The Delta SkyMiles® Gold American Express Card has an annual fee of $99, waived for the first year (See Rates), but it s worth it even if you only use the benefits a few times a year. The card also earns 2x miles at restaurants, U.S. supermarkets, and on Delta purchases, and 1 mile per dollar on everything else and Delta miles never expire. ....

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The best credit cards for flying United — updated for 2021

Although it s not a United co-branded card, the Chase Sapphire PreferredÂ® Card presents a few compelling reasons for United flyers to carry it. It earns Ultimate Rewards points, which transfer instantly at a 1:1 ratio to United MileagePlus miles, so your purchase activity can easily earn you award travel on the airline. These points also transfer to several other airlines including Southwest and JetBlue, so you are gaining flexibility by earning Ultimate Rewards points instead of just United miles.
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The card earns 2 points per dollar on dining and a wide range of travel purchases including airline tickets. That means you can rack up extra points not just on United tickets and at hotels like with the Unitedâ Explorer Card, but on all airline purchases, as well as on things like train tickets, parking, rideshares, and more. ....

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How to earn, redeem, and maximize Delta SkyMiles miles in 2021

Delta miles are easy to earn by flying, with co-branded credit cards, or by transferring Amex points.
You can use Delta miles for flights on Delta or its partners, including Air France and KLM.
The best deals are often through Delta s award sales, and your miles will never expire.
Delta is currently the world s second-largest airline, and if you live in a hub city like Atlanta, New York, or Seattle, it may be your carrier of choice. Because Delta s route network is so ubiquitous inside the US and because Delta SkyMiles are (relatively) easy to get, there are many different options for redeeming your miles with Delta and its partners in the SkyTeam alliance though not all of them offer the best value. ....

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