Daisy Hernandez

Credit cards editor

TPG since 2023

Daisy joined TPG in 2023 but has been optimizing her credit card usage since late 2014. By maximizing how she earns cash back, points and other perks, she's been able to offset the costs of travel, dine in Michelin-rated restaurants and reduce how much she pays out of pocket for everyday basics such as groceries and gas. She's passionate about creating content that's informative and actionable and is thrilled to share her skills and know-how with readers as she believes that financial literacy and travel should be accessible to everyone. When she's not browsing new card offers and ways to rack up points, miles or cash back, she's planning her next trip.

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If it doesn't fit in a carry-on/personal item combo, do you really need it?

Credit cards; points and miles redemptions; all-inclusive travel
M.A. in professional and digital media writing, East Stroudsburg University of Pennsylvania

2015

First trip redeemed with points

Countries visited

Iceland

Favorite destination

Aisle

Window or aisle

My go-to card for earning cash back on groceries

As someone who likes to chef it up and host dinner parties, the Blue Cash Preferred Card from American Express helps me rack up tons of cash back when I shop for ingredients to whip up a homemade meal or test out a new recipe for friends and family. It comes in especially handy when I've got higher-ticket items like seafood or truffles in my cart!

Blue Cash Preferred® Card from American Express

The easiest wholesale club card to earn cash back

I love my Costco Anywhere Visa Card by Citi because I earn a ton of cash back on every purchase I make when I use it. This card has actually supplanted the one I had been using for years as a gas card since it offers a more generous 4% cash back every time I fill up at the pump. It also doesn't hurt that I earned $80 after getting approved for the card (which has already helped offset my $120 annual Costco membership fee by more than half).

Costco Anywhere Visa® Card by Citi

A top-tier choice for traveling and dining out

I reach for my Chase Sapphire Preferred Card when I'm out to dinner or looking to maximize my points earning when booking travel. I've also taken advantage of the referral bonus and the benefit of free delivery and lower service fees when using DoorDash that comes with this card.

Chase Sapphire Preferred® Card