Here Are 4 of the Credit Cards Graham Stephan Uses and Why They Might Be Right for You

Lots of financial influencers carry multiple credit cards, but Graham Stephan takes it to the next level. Travel rewards cards are a hobby of his, and in a video, he said that he had 11 credit cards.

It's not the most recent video, so some of the cards aren't available anymore. He was also just keeping some of them open because they were his oldest cards. But there are a few that he recommends and that are currently open for applications.

1. Amex Platinum Card

The Platinum Card® from American Express is in seemingly every influencer's wallet. It is, after all, one of the most high-end and feature-packed cards. Perks include over $1,500 in annual spending credits, access to over 1,400 airport lounges around the world, Marriott Bonvoy™ Gold Elite Status, and Hilton Honors Gold Status. Select enrollment required, terms apply.

The benefits are pretty amazing, if you can use them. That's not always easy. For example, those $1,500 in annual spending credits include $200 in airline fee credits with one qualifying airline. Terms apply. It's nice if you pay airline fees, but not helpful if you normally avoid them.

This card also charges a $695 annual fee (see rates and fees). Even with the cost, some people save thousands of dollars every year with it. Just make sure the features match your lifestyle before you apply.

2. Chase Sapphire Reserve

The Chase Sapphire Reserve® is another premium travel card. It doesn't cost quite as much as The Platinum Card® from American Express, as it has a $550 annual fee. It's also arguably easier to use. While it doesn't have nearly as many spending credits, it has $300 in annual travel credits, which can be used toward any type of travel purchase.

What I love about this card is its travel points. As a Chase Sapphire Reserve® cardholder, you can redeem points at $0.015 per point toward Chase Travel bookings. With many travel cards, you get a value of $0.01 per point. Chase gives you 50% more, and if you're redeeming 100,000 points, that's the difference between $1,000 in value and $1,500.

You can also transfer your points to Chase's airline and hotel partners. While transfers are more complicated, you could get even more value with them.

3. Chase Sapphire Preferred

If expensive credit cards aren't for you, the Chase Sapphire Preferred® Card could be the way to go. It has a $95 annual fee, making it one of the more affordable travel cards.

Despite its low cost, this Chase card is still a big earner. It has several bonus categories, including travel and dining, select streaming services, and online groceries, where it earns from 2X to 5X points per $1. It also has a huge welcome offer: 60,000 bonus points for spending $4,000 in the first 3 months.

Just so you know, you can't have the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card anymore. Chase now only lets you have one of them, so you need to choose. Stephan was able to open both before Chase changed this rule.

4. Chase Ink Business Preferred

Stephan also uses the Ink Business Preferred® Credit Card. This card is most famous for its welcome offer. Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening..

That's not the only bonus opportunity, either. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

If you have any sort of business, even a small side hustle, this business card is worth a look. Like the Chase Sapphire Preferred® Card, it only has a $95 annual fee.

Are these cards right for you?

Stephan clearly knows his stuff when it comes to credit cards. All the cards he uses are excellent choices.

I'd never recommend copying someone's exact credit card choices. What works for them may not work for you. And to be honest, having The Platinum Card® from American Express and the Chase Sapphire Reserve® doesn't make sense for most people. They have hefty annual fees and overlapping benefits.

You could use Stephan's choices as a starting point, though. Check out what each of them have to offer. If you like one, you could take a closer look and consider applying.

Looking for other credit card picks with more diverse benefits? Check out our curated list of top credit cards, where you'll find cards offering cash back, travel points, 0% intro APR offers, and much more.