A Quick Overview of My 5 Credit Cards

My current lineup of credit cards

Tunji Onigbanjo
3 min readJan 23

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Photo by PiggyBank on Unsplash

As of January 2023, I have five credit cards I use for various purposes that have positioned me to have a 775 FICO Score. The following are the five credit cards:

1. Navy Federal Flagship Rewards Card

2. Amazon Prime Rewards Visa Signature Card

3. Deserve EDU Card

4. Capital One Quicksilver Card

5. American Express Blue Cash Everyday Card

1. Navy Federal Flagship Rewards Card

The Navy Federal Flagship Rewards Card is my go-to credit card for all in-person purchases and online purchases, excluding Amazon. It offers 3 points per dollar spent on travel and 2 points per dollar spent on all other purchases. The card also offers a statement credit towards Global Entry or TSA Precheck. Other key benefits include no reward limits, no foreign transaction fees, Amazon Prime free for one-year, worldwide travel accident insurance, and an annual fee of just $49 per year. The card currently offers a sign-up bonus of 30,000 bonus points when you spend $3,000 within 90 days of opening your account.

2. Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card is my go-to credit card for all of my Amazon purchases. It offers 5% cash back on all Amazon and Whole Foods Market purchases with an eligible Amazon Prime Membership (currently $139 annually). Key benefits of the card include no foreign transaction fees, travel accident insurance, purchase protection, and extended warranty protection. The card currently offers a $100 Amazon Gift Card sign-up bonus if you are approved.

3. Deserve EDU Card

The Deserve EDU Card is my oldest open line of credit. I only use it to pay my phone bill because one of its key benefits is cell phone protection, which offers up to $600 per claim to repair or replace a damaged or stolen phone. The card offers 1% cashback on all purchases. Two of the card’s key benefits are that it has no foreign transaction fees, you do not need a social security number to sign up for it, and there is no annual fee. If you are looking for a card to start building credit, the…

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