I earn more than 1 million points a year. Here are the 5 credit cards I always keep in my wallet to optimize my spending.

These five credit cards are my top picks for daily spending, and they help me earn more than 1 million points and miles per year

I've been earning points and miles for the last seven years. I use more than a dozen rewards credit cards to maximize the return on all my spending. In large part thanks to these cards, I'm able to earn more than 1 million points and miles each year. While I have more than a dozen cards, I don't carry all of those in my wallet every day. Instead, I always bring a smaller stash with me, including the Chase Freedom Unlimited and the Hilton Honors American Express Aspire Card.

I've been earning points and miles for the last seven years. I use more than a dozen rewards credit cards to maximize the return on all my spending. In large part thanks to these cards, I'm able to earn more than 1 million points and miles each year. While I have more than a dozen cards, I don't carry all of those in my wallet every day. Instead, I always bring a smaller stash with me, including the Chase Freedom Unlimited and the Hilton Honors American Express Aspire Card.

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