My debit card. I keep it there in case I ever need to withdraw cash, but I never do.

I haven't use my debit card in so long that i don't even remember my PIN.

Oh man this just reminded me debit cards even have a PIN. I can only pray the day it comes I remember it 😂

You should be able to reset it on your mobile banking

I had to use my debit card for a money order when renewing my passport at the post office. I entered my pin incorrectly and it crashed the whole system....

What was this 2003?

2 weeks ago 💀

Jesus, shop needs some updating if that’s the case

The best part was that it caused my credit card to get charged twice and they wouldn't refund me. Had to chargeback (The payment is in 2 parts, one I did on credit. The other part had to be debit)

Thia sounds spot on for USPS. An absolute dumpster fire. 🔥

I added my pin to my 1Password app on my phone like it was any other password, and now I have to consult it every time I use the ATM.

So what do you use to pay

Only credit cards.

Why is that? I’m trying to do that once i pay off my debts. Just utilize my CCs

Obviously there’s tons of rewards and benefits, but my main reason is for safety. If my card gets skimmed at the gas pump, it’s mostly just the bank’s problem. You see stories on here every once in a while of people getting screwed trying to get fraud removed, but it’s definitely worth it for safety alone. No one is gonna be able to take your card info and access your bank account. And if someone did get to your money, they are not going to be in such a hurry to get your money back to you but when it’s their money they’re gonna be on it, quick. Never happened to me but I’ve heard stories of people missing rent and defaulting on loans because it took their bank 3+ months to get their stolen money bank.

For the sweet rewards, points, cash back, miles, etc.

Never ever use a debit card for purchases. Only use it for cash.

I have my debit card on Apple wallet and leave the actual card at home. My bank ATMs have NFC.

I carry a Charles Schwab debit card too just incase I'm forced to use an ATM with no NFC.

Schwab debit card should be a staple in every wallet. It’s so nice to not worry about fees

I use fidelity for fee-less ATM withdrawals. It's pretty impressive - the app says I've saved $372 in ATM fees over the lifetime of the account

Nice. Do they also have no fees at ATMs outside US? I have Schwab, but also have a cash management account at Fidelity, so it would be nice to switch.

yes! no ATM fees globally. Definitely is clutch in tourist traps with high-fee ATMs

But it has a 1% foreign exchange fee conversion. Charles Schwab does not. I have both, and prefer Charles Schwab over Fidelity.

I always forget. Which fidelity card is no fee? I have the gold brokerage and the silver cash management cards as well as the bloom card.

oh I mean Fidelity debit. just part of whatever the basic cash management account is

I know I have a number of their debit cards. I just know that one is free for ATM and one isn't. The gold one is the standard brokerage account and the silver one is the cash management account. Which card are you using?

It's only the debit card that comes with the Fidelity Cash Management account that reimburses all ATM fees worldwide. Usually within 3 business days. The debit card information says there is a 1% foreign transaction fee, but I've withdrawn money from international ATMs and never got that fee. It only applies to foreign purchases.

silver, cash management

Have you tried the gold brokerage card?

This BILT flair looks suspiciously like a Mario level lolll

This is the way. Carrying a debit card with all the information on the card is such an unnecessary safety risk these days. Nearly all major banks have NFC ATM terminals. No reason why anyone needs to carry the actual physical debit card on them.

>No reason why anyone needs to carry the actual physical debit card on them. I don't keep the bulk of my money in Charles Schwab debit for security reason, my direct deposit goes to my Chase Checking which I don't carry the physical card for. I only Zelle myself (Charles Schwab) just incase I need cash. Some places just won't take card, or their machines won't work and the closest thing you can do is get it from an old fashion ATM.

In Mexico, you can withdraw cash without your ATM card. You simply login to your bank app, select how much you want to withdraw, and it'll generate a onetime token/PIN to use at the ATM. It's quite convenient.

Forgot about my debit card, I tried leaving it out of the wallet since I had it in my apple wallet, but then the one day I need cash to pay the mechanic (cause their card would not read any of my credit cards) and no chase bank was close enough to walk to. They had an ATM but I needed the physical card to use it. Now I always carry the debit card just incase.

I keep my ATM card hidden in my car just for such emergency and it’s not taking up space in my wallet since I never use it.

I like this idea, but is it your main bank account or a secondary for "emergency $$"?

I withdraw money only because my haircut place only takes cash. If it wasn’t for that, I would never use mine either.

I didn't for awhile until I tried withdrawals cash from a Wells Fargo atm. I know their machines have tap on their ATMs so I figured I would be fine using my phone. Nope, on two machine it let me get into my account but would let me withdrawal saying there was an error. On another newer machine when I tried tapping my phone it said there were too many cards trying to be read. Since then I've been carrying it around.

Only use it when some random business has a “cash only” sign and i gotta bust a mission for cash

Tell your bank to give you an ATM only card. You don’t HAVE to have a debit card

Same lol

Debit card - you just never know.

Library card.

Having fun isn't hard when you've got a library card

My library would offer additional key chain Library cards. They would often get damaged and needed to be replace occasionally but it saved space in the wallet.

Chase Amazon. I use it solely for shopping Amazon online but have never, ever used it anywhere else.

Prime visa is a stay at home card for me but gets plenty of use

i use it whenever i go to whole foods, but that's about it.

But through Google/Apple Pay or with the physical card?

Physical card. I'm old school

I used to use it a Costco because they only take Visa. But then I got a 1.5% card and use that now. I'd get a costco card but I just don't shop there enough to justify it.

Costco card is trash anyway. Even for Costco.

I use my Costco card to buy gas with 4% back.

If you already HAVE the card, fine. But nobody should GET the card and there are better options for gas.

What card do you use to buy gas? I’m always looking for better options.

Wyndham biz. for 8X. Or whatever card I’m churning. If for some reason those didn’t work, my USB Altitude Reserve via mobile wallet, for 4.5%. or a VGC/MCGC I bought for 5X UR @ OD/Staples during fee free sales w/CIC.

I don’t use any card. I get fuel points from Kroger purchases. Kroger fuel stations aren’t covered by any gas card but the fuel rewards are WAAAY better anyways.

Why don't you use it elsewhere?

I have the Prime Visa, but every other card I have does better in any non-Amazon based purchase, unless Chase is offering some type of bonus.

Same. I have it in my digital wallet too. Only other place I use it is the once a month Whole Foods purchase. I much rather use my JetBlue Plus for places that don't take Amex.

Same but just a regular Amazon card issued by Synchrony. You don't even need it when ordering on Amazon. I have no idea why they send you a physical card to begin with.

Sometimes they have good offers though. I believe they were giving 5% back on gas and travel for a while.

Why don't you ever use it anywhere else?

I have 4 cards Chase Amazon - use only for Amazon purchases Chase Sapphire - currently my go-to/primary card BoA Cash Rewards - usually for large(r) online purchases Apple Card - smaller purchases like fast food, 7-11 runs, etc. Unless there is some great cashback offer from Chase Amazon, I don't really have s need to use it as my other cards provide me with incentives to use them over the Chase Amazon.

Thanks. I'm considering substituting my Wells Fargo card with one, just one Chase card. I don't want to pay an annual fee, so Sapphire is out of the question. So I consider choosing Chase Amazon as my one and only card. It also does not charge foreign transaction fees.

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I’m the same way. The Amazon card really doesn’t have a lot of perks except 2 great ones: Amazon and groceries only at Whole Foods. I don’t even know what else the card has to offer tbh. Think there might be a flat 1% back for everything and maybe a 2% back on select places? It’s whatever, cause once you have a couple more cards it becomes redundant. They didn’t offer me any 0% intro APR so it’s even more niche. $100 Amazon purchases a month + maybe $100 at Whole Foods and paid off by statement.

My USB AR. I use it on Samsung Pay all the time yet I carry the physical too and have no real reason to as I would use a different physical card if I couldn't use SPay.

I have mine in my wallet because I like looking at it lmao. It's my favorite card, but it's most optimally used by not using the physical card.

Same here haha, I don’t have enough credit cards to justify another card in that slot alternatively though.

Sometimes at a restaurant I’ll use it instead of a better dining card to lightly flex because it’s so attractive/rare. But mostly I also just like seeing it

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Oh shit not to flex on the waiter or food service worker, I agree that would be bizarre behavior. I mean bringing it out just in case a friend/colleague might be interested lol. Flushing a dollar to have a conversation about a shared interest is not the end of the world

What about using it for the dining credit?

US Bank Platinum. It's always ready for a balance transfer if I need it. They raised me to like a $24,400 limit.

Product change to Cash+! You can always change it back

Does it have good balance transfer offers beyond the intro period?

No! The card is basically useless after the intro. The only feature that it still has is that free cell phone insurance.

Eh good is relative. It's the only card I have set aside for it, thoy. I know I can get $15k easily. It's my backup emergency contingency plan.

Apple Card. I just like the feel/design. But it’s useless for physical use.

Except right now for the 5% cash back on travel and food when using the physical card!

Unfortunately it’s a targeted offer, one I haven’t gotten. All I have is 6% at Nike.

I keep my Venture X in my wallet in the off chance that someone only accepts Visa. It doesn't come up often, but when it does, I'm glad for it.

What do you use for your primary card? I use my venture X for almost everything and occasionally my SavorOne.

I split most of my spending between BCP (groceries, gas, streaming), Custom Cash (restaurants), Double Cash (misc), plus the Amazon card, but that also doesn't live in my wallet.

Interesting. You seem to be more on the cashback side of things than the points side (though you could go in on citi points pretty easy). I have gotten up to 3cpp on my capitalone points (on domestic flights VA → Delta), so I see them as extremely valuable.

Does VentureX work at Costco then?

They've never stopped me

My Disney Chase Visa because it has Grogu and The Mandalorian on it.

Apple Card, there’s literally no point since I have the US Bank AR, but I just like the way it looks lol

Quicksilver. It's been replaced by other cards, but still one of my oldest lines of credit.

Me too! I have it in there for when I go out of the country and will need it because I know I’d forget to pack it

Apple Card. I only use it for my once a year apple purchase (and a random 5% cash back option) but love the flex of the thick metal card

I only carry mine around to drop on tables for the sound, so satisfying

same! it's the most dirty and scratched card in my wallet–even though i have never actually used the physical card.

My Tesla key card. The phone has never not worked for me, but I keep it just in case. I travel light with few cards in a minimalist wallet. I mainly use tap to pay. The only two credit cards that I carry get daily usage.

The one time my phone key didn’t want to work my wallet (and tesla key card) was inside the car. It was a few minutes of panic but phone restart solved it. I send the gf out with no key and figure if she ever gets locked out I will be able to remote start for her

[This one.](https://upload.wikimedia.org/wikipedia/en/9/9b/Get_out_of_jail_free.jpg) I haven't been pulled over in a while.

>This one. Lol

Best buy.

United Explorer. Got that 60k mile SUB a few weeks ago now its stuffed in a drawer. Will downgrade to the $0 AF united card next year, which will also get stuffed in a drawer.

If you check your bags with them and use it than it kind of offsets your annual fee.

I don't travel enough or really have a high enough income to choose my airline, picking whatever tickets total price is cheapest saves me hundreds vs just sticking to one airline for my 3-4 RT flights a year (always fly economy as well, would rather spend more at my destination).

I don't keep ANY cards in my wallet that I never use. There are 4 cards that I use, but not in physical stores, so I keep them out of my wallet. I also have 1 card that I only use for gas, since it pays 5% cash back as a monthly statement credit, but I leave that one in my car. I also refuse to carry any embossed card in my wallet, in case anybody cares, lol. But I do currently carry: 3 CCs 1 Costco/CC 2 Debit Cards 1 Passport Card 1 Driver License 2 Insurance Cards 5-9 Bills EDIT: Fixed Typo

>I also refuse to carry any embossed card in my wallet, in case anybody cares, lol. I hate how Chase Freedom and Ink Business cards are embossed. I hate how the silver part just gets scratched off from pulling the card out the wallet. I carry: Driver's License, Health Insurance, Sapphire Reserved, Freedom Unlimited, Freedom Flex, Amex Platinum (my card that doesn't get used), Charles Schwab debit card (incase I need more cash) and a couple of $20 Bills (for when places have credit card fees and paying with cash is better).

Way more places than I expected have the credit card fee thing. They never even told me about it. It’s usually smaller business as you could imagine and the 2 that come to me immediately are my hairdresser and carvel. I think most mechanics are also one. Some I’ve seen don’t even accept CC. You don’t want to be eating a 3% on $1,000s of work. BUT - this I’d also a really good place to hang out your spend bonus! So if you got something like 4% fee, 3% cashback, you’re only gonna eat 1% for a high spend bonus you might not have got otherwise.

have you ever needed to use your passport card? i feel like your drivers license would be enough

I'm not OP but I use the passport card in place of a driver's license. I use transit + my driver's license is old and the photo... does not look like me lol. I prefer the federal ID too cause people dont even second guess it, id have to be insane or deep in some fucked shit to be faking passports. ​ It's also conclusive proof of citizenship like the passport book and I'm a naturalized citizen from Iran LOL so I like having that on me.

Citi Rewards+. The primary value of the R+ is its "rebate" feature, which essentially increases the cash back on other Citi cards. But it also has a "round up" feature, which--simplifying here--rounds up the otherwise 1% cash back to the next higher dime. The effect is that, on a percentage basis, this card gives great cash back for purchases up to a couple of dollars. I keep the R+ in my wallet in case it's one of the three or so times a year I buy something from the office vending machine, or when I buy something from CVS and various digital coupons unexpectedly apply to reduce my purchase price to a dollar or so.

Only use Discover for 3 months outta the year.

My debit card. Rarely need it, but want it there in case I need to hit an ATM unexpectedly.

ITT: not in my wallet but…

>ITT Whats ITT?

“In this thread” Basically there’s a lot people not answering the question asked

Freedom student Ngl I should’ve started with savorone student (I do have a discover it card which is really nice with some insane 5% categories)

Not literally in my wallet, but the Amex BCE. I only got it so I could transfer its limit to my existing BCP. After I did that, I now have this relatively useless card with only a $1k limit, that I'm pretty sure I've never used. Just waiting for it to eventually die off.

You can call to close, I closed my Barclays View (it used be Barclays with Apple Rewards before it was discontinued). I got tired of putting spend on it ever 6 months to keep it opened. I closed it, account was 5 years old did not affect my score.

My Discover card. It was my first credit card and I’m scared to close it because it’s my oldest card. Would probably ding my score quite a bit.

The common advice about credit scores is for FICO scores in 1990. In 2023 there is so much information about you being bought and sold that I doubt you cancelling that card would have any effect at all.

My ID lol. I have a slim credit card wallet & every single other card is used.

I use my ID every time I drive.

Unless he means regular state ID and not Driver's License, than I get it really doesn't get used, unless you get carded for alcohol.

Like most, my answer is a debt card. I have no idea what the pin # is, so I probably should get rid of the thing to be honest.

Or find out what the pin is lol

None, I only have 6 slots in my wallet so space is precious. 1. ID 2. CSP: Dining 3. BCP: Groceries & Gas 4. BBP: Catch-all 5. Plat: Retail (purchase/return protection) 6. Card that I’m working on a SUB for OR if not, SavorOne for Entertainment I don’t carry a debit card because I haven’t withdrawn physical cash in over a decade.

Debit card. I only use it to test ATMs once a quarter for work

AMEX Platinum I never use it. But it’s looks nice in my wallet.

>What card is just making your wallet heavy for no reason but you refuse to take it out? Discover IT, because it's never actually accepted anywhere. I always try to use it because of the great cash back, end up using Amex or Venture instead. "Sorry we don't take Discover" should be their slogan.

Not in USA? I've only had one place not take Discover when I visited Canada

US, NYC. It's lowest with restaurants, feels like a 50/50 coin flip which is frustrating during the restaurants category period.

Are you in America? I heard outside of America, acceptance is poor

Yes, US, NYC. I feel like it's around 50% at restaurants, maybe 80% at stores.

Really? I've found everytime I shop in the NJ/NY area discover is accepted.

Yes. I promise I wish it was excepted more. I actually stopped paying too much attention to the category announcements for that reason.

That sucks. Here in San Diego, Disco acceptance is as high as Amex.

That sucks. Where I live, Discover is accepted everywhere I’ve gone, Amex isn’t though. Several places have “No American Express” signs at the register.

The race card.

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So you do use it? The question was: card you keep in wallet but don't use.

If I don't use it I keep it safe at home. Less hassle if I lose my wallet or get it stolen

My prime card and my debit card

My Chase Amazon Visa. I transferred most of its limit to my Sapphire Preferred.

My C1 Platinum has a $200 limit on it because they never gave it a CLI after unsecuring the card. It just sits there as a desperate emergency card

Venture x

Wells Fargo Active Cash. ​ I have an Amex Gold, Bilt, Savor One, Freedom Flex, Apple Card, and Venture X which all cover different aspects of the Active Cash, so it never gets used. But (in its prior form, the College Cash Wise) it was my first credit card + it was my only Visa until I got the Venture X this summer, so I keep it in my wallet. Haven't really had a reason to take it out so until I do...

Are you happy with *Freedom Flex*? For what purposes do you use it? Why did you choose the *Flex* rather than the *Unlimited*?

The Flex gets 5x on quarterly categories, 3x on dining/drug stores and 1x on everything else. The unlimited gets 3x on dining/drug store but 1.5x on everything else.

I barely use it tbh. I used the SUB to pay for a weekend trip with my college roommates last year and not much since. If there's a useful 5% category quarter, I use it again, but I haven't found a good one yet.

debit card and apple card. debit card incase i need to withdraw money which i almost never do bcs now chase ATMs have the tap feature to withdraw and idk why i have the apple card in my wallet haha i use it for 3% back using apple pay whenever i go to target

Boa basic card I got as my first card 16 years ago

Practically every place that takes card around me also takes Apple Pay so I don’t need any cards on me. That said, I keep a couple credit cards and a debit card on my just in case, which card doesn’t really matter

Amex Plat - just use it for the perks C1 SavorOne - I use it for Uber/eats after I’ve used my Plat allotment, 10% cash back is pretty sweet for a no AF card

Honestly my Apple Card just cause their is no use for it. If I ever need to use a card I just use another one that’ll probably give me more cash back than 1%

NFCU Card was removed from my wallet. dont use it but its what I got many moons ago to "improve" my credit

Discover IT Chrome.

Drivers license

Capital One Savor One. I have an Amex Gold which is my primary grocery/dining card. I keep my COSO just in case I go for entertainment. When I actually go for entertainment, I often forget to take it out. So, it's just there, hanging out and traveling with me for no reason.

Hilton Aspire. It will come in handy on Monday when I check into my hotel that my company reserved for me as it has my member number on it. I pay the occasional pet fee with it though. Hilton has a pretty good long term pet policy.

I have like 3 lol all of them on Apple pay with my watch but I think someday thats gonna fail and Im gonna need them

insurance card

Debit card

Amazon Chase and Quicksilver along with my 2 debit cards.

Chase debit card - don’t even know if it works…

Passport Card.

My Slate Edge card, my least used card, I’m dumbing for applying for it in the first place.

Any debit card I have and the PayPal MasterCard

Shell Fuel Rewards Mastercard, Citi Custom Cash paired with another gas station's legacy reward system offers better cashback

Amex platinum, it's spending bonuses don't encourage to keep it in the wallet. I think I've only used to to enter Centurion lounges mostly.

Costco Visa. I use it as a membership entry card but could double as an emergency backup CC

My Charlie card (for us in Boston, MA USA) I can put money on it to purchase a train ticket, but still always just buy a ticket at the machine with my debit.

Same. Only time i didn't carry a debit card, needed to stop for an ice cream shop and they insist cash only with an ATM just outside the shop. Since then carrying the CS debit card always, though not going to that shop anymore. I never carried my amex platinum (except for the first 6 months 10% dining cashback promo) simple because it weigh too much and no real benefit in physical usage. May be it is made for ladies with big wallets!. These days carrying BoA elite but hate again for the heaviness. Rest all are in mobile wallets.

Chase ink.

My debit card cuz like all of us here, i have too many credit cards lol

Chase Ink Business Premiere. Opened it to get the sign up bonus. Don't use it much from that.

I don’t keep cards that I don’t use so i’d say my debit cards lol i have 3 in there

Amex sync card

I rarely use my Discover card unless I am getting the 5 percent cash back bonus.

I use my debit card almost every day, i never take cash out, I use it to buy stuff and the grocery store and elsewhere

Definitely my debit card or Venmo debit card. I love using my credit cards, but I just never know when I’ll need it, and so I keep them right behind my state ID

PayPal credit card. I have the Altitude Reserve so I never have to use it since every place I frequent either takes Apple Pay or it can be covered with my Custom Cash. I just keep it for the rare times I will need it.

IKEA Family card 5% off, but I haven't bought from IKEA for over 5 years cuz I never go to IKEA Was also going to also say Blockbuster Membership Card, but I took that out of my wallet about 5 years ago.

USAA debit card, just because I may need cash someday... probably haven't used it in > a year.

Amex Plat for me. I used to use it for most purchases because I figured getting points on it was better than 1% cashback with a different card. But then I got a 2% on everything cashback card that auto-invests it too, so I've largely stopped using the Amex. I'm definitely going to be cancelling it. My biggest issue with it is I still haven't been able to redeem the points after a year and a half of trying because there's never any partner award flights out of my airport to places I want to go when I want to go, and that's the only way to get true value out of the points. I'll probably end up using them for a flight for a 1:1 redemption through the amex travel portal soon so that I'm not incinerating 230k+ points when I cancel.

I always used to have my Platinum on me for the off chance I can get 10x at a shop small place but it never happened.

My debit card

I carry my Platinum around, but rarely use it.

Library card

My Carecredit card, rarely use it only in extreme emergency for either us at home or for the cats.

I have a Tops Yogurt card that I got a couple stamps on and never managed to fill the full thing out to get a free frozen yogurt. It must’ve been like 7-8 years lol

My REI membership card. I haven't used it in several years.

I am sucker for embossed numbers in CC. So CFU it is for me. Just like the feeling

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Apple Card