People are always coming up to money expert Clark Howard and asking, “What credit cards do you use?” You’re about to find out the four personal credit cards in his wallet right now!
Before we get to the list, know that Clark always pays his balance in full every month to avoid interest charges.
What’s in Clark Howard’s wallet?
- Costco Anywhere Visa® Card by Citi
- Sam’s Club® Mastercard®
- Southwest Rapid Rewards® Priority Credit Card
- British Airways Visa Signature® Card
Costco Anywhere Visa® Card by Citi
The first credit card in Clark’s wallet should come as no surprise to his fans. Clark loves Costco, so he has the Costco Anywhere Visa® Card by Citi to get 2% back on purchases at the warehouse club.
He also books non-refundable travel with the card for the 3% back in rewards.
Sam’s Club® Mastercard®
Next up is the Sam’s Club® Mastercard®, which is a card that Clark says he only uses at the club.
Although it offers 5% cash back on gas, Clark primarily drives an electric vehicle and rarely needs to fill up. He also puts dining and travel expenses (3% back) on other cards.
Interestingly, this card only offers 1% cash back at Sam’s Club itself. Learn more here.
Southwest Rapid Rewards Priority Credit Card
The Southwest Rapid Rewards Priority Credit Card is also in Clark’s wallet because he’s able to charge enough to earn the Companion Pass benefit.
Clark flies Southwest all the time, so the Companion Pass allows him to bring his wife along for free.
For the average credit card user, Clark doesn’t recommend travel rewards cards like this one because they have high annual fees. This particular card has a $149 annual fee.
However, Clark says it makes sense for him because he uses the card frequently.
British Airways Visa Signature Card
Finally, we have another travel rewards card. Clark has the British Airways Visa Signature Card for its free companion ticket and 10% discount on British Airways flights.
Just like the Southwest card, Clark makes sure to use the card enough to offset the annual fee.
Not a big volume charger like Clark? His advice is to keep it simple and get a card like Citi® Double Cash.
If you’ve been thinking about your mix of credit cards and possibly applying for a new one, start with Clark’s credit card philosophy and these resources from Team Clark: