These Are the Credit Cards in Clark Howard’s Wallet


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 five 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?

  1. Citi® Double Cash
  2. Navy Federal cashRewards Card
  3. Costco Anywhere Visa® Card by Citi
  4. Sam’s Club® Mastercard®
  5. Southwest Rapid Rewards® Priority Credit Card

Citi® Double Cash

Clark recently added a new credit card to his wallet. It’s a card that he’s recommended for years: Citi® Double Cash. This card rewards its users with up to 2% cash back: 1% when you buy and 1% when you pay.

For most Americans, Clark says a simple cash back card with no annual fee is best.

But Clark is a high volume spender and got more value out of travel rewards credit cards until the coronavirus pandemic hit. In the video below, Clark explains his shift in strategy.

To be clear, Clark recommends cash back cards for most of us. Before you get a travel rewards card, consider the annual fees and whether you charge enough to justify the cost.

Navy Federal cashRewards credit card

Clark has also started using the Navy Federal cashRewards Card lately. He puts this card in action for general spending (like Citi Double Cash) because it offers up to 2% cash back for select members of the credit union.

As of this writing, this credit card carries a $200 welcome bonus. Read Team Clark’s full review here.


Costco Anywhere Visa® Card by Citi

The third 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.

This is also Clark’s go-to card for dining. He earns 3% back whenever he uses it at a restaurant.

Sam’s Club® Mastercard®

Sam's Club Mastercard

Next up is the Sam’s Club® Mastercard®, which is a card that Clark says he uses only at the club.

Although it offers 5% cash back on gas, Clark usually drives an electric vehicle so he 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

Finally, the Southwest Rapid Rewards® Priority Credit Card is in Clark’s wallet because he charges enough to earn the Companion Pass benefit during a normal travel year.

Clark flies Southwest often, 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.

Clark has rarely used this card during the pandemic, but he hopes to continue earning free travel with it in the future.

Final Thought

If you’re not a high volume charger like Clark, keep it simple and stick with a cash back 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:

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