What Your Credit Card Says About Your Personality

By Joe Epstein. Last updated 16 September 2014. 1 comment

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Sure, what you spend your money on can say a lot about you. But what about how you spend that money? Just like, say, your car, your credit card makes a statement about who you are or aspire to be, so find yourself in the list below, and see what your card says about you.

Have an: Amex EveryDay Card?

Then you may be: a Supermom...or Tina Fey.

Beyond just having a hilarious commercial in which Liz Lemon herself brags about "chacne" (you know, chin acne), this card makes perfect sense for anyone who does a lot of grocery shopping, and/or have varying expenses that will help earn the 20% bonus points

Have a: Barclay Arrival Card?

Then you may be: a Trendsetter...and a Jetsetter.

This new travel rewards card is all the rage among miles aficionados. Its current sign up bonus is 20,000 miles (or 40,000 for their fee card). It's an excellent target for serial card signer-uppers on the hunt for (big) bonuses.

Have a: Discover it Card?

Then you may be: Attentive. Diligent.

The Discover it Card works on a quarterly rotating schedule of cash-back categories, which means to truly take advantage of it, you've got to the be kind of person who pays attention to detail, and knows exactly which card to use for which purchase. Additionally, the card offers a free FICO Credit Score every month, no foreign transaction fees, and no late fee for your first late payment. These things matter to the micromanager.

Have a: Chase Freedom Card?

Then you may be: Creative. Impulsive.

This card also has quarterly rotating categories for bonus cash back, but it also includes a 10% annual bonus for having a Chase checking account and allows you to transfer points to one of their travel rewards cards, which would allow you to get discounted (or free) travel, if you decide on the fly that's how you want to roll.

Have a: NFL Extra Points Card?

Then you may be: Loyal. Passionate.

Got a NFL Extra Points Card? You're so devoted to a football team that you want everyone who takes your order or swipes your grocery payment to know it. You also get deep discounts and twice the rewards for buying NFL gear, so you never have to feel guilty about your foam fingers.

Have an: American Express Gold Card?

Then you may be: Old School.

You don't even bother with the the opportunity to carry a balance. That's not your style. One of the OG charge cards, from one of the oldest credit card companies, you like to keep it real.

Have a: Airline Rewards Card?

Then you may be: a Frequent Flyer

If you have an airline branded card, you're making weekly trips on your favorite airline. You always pick the same seat number. You get priority boarding. And not only does your companion fly free, every other flight for you is free, too. You are probably carrying the Citi Platinum Select / AAdvantage World MasterCard or US Airways Premier World MasterCard.

Have a: CapitalOne VentureOne Card?

Then you may be: an Adventure-Seeker.

You want your financials to be simple, because you're busy dreaming up your next adventure. The VentureOne Rewards Card gets you 1.25 miles per dollar spent, on every purchase, with no limit. There are no categories. There is no fuss. You earn extra miles no matter what you're spending on. And you'll use those miles to fund your adventures.

Have a: Citi Simplicity Card?

Then you may be: a Homebody...sticking to a budget.

The Simplicity Card doesn't earn you any points. What it does, is offer no late fees, no penalty rates, and a 0% APR on purchases and balance transfers for 18 months. You don't want to collect miles or points, because that's just going to make you go looking for things to spend them on. This card also does some heavy lifting — scouring hundreds of retailer sites for 30 days after a purchase to help find a lower price. If one is found that's lower by at least $25, you get the price difference back!

Have a: Williams-Sonoma Visa Card?

Then you may be: a Perfectionist.

Lean back in your oversized cream armoire, kick your feet up on that elegantly rustic hybrid-chest-coffee table, and admit it: you spend a lot of time and money making sure your home looks exactly how you pictured it in your head. That's why your Williams-Sonoma Visa Card is front an center in your wallet.

Have a: Chase Sapphire Preferred Card?

Then you may be: Social. Artistic.

This substantial card has an immediate aesthetic appeal, so you may well have the artful eye. The card's customers service also connects you directly to an actual human without having to wade through menu after menu of automated options, implying you may be the type of person who values interaction (maybe even small-talk?!) over ruthless, automated efficiency.

Have a: Black Card?

Then you may be: Jay-Z.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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Our most-used card is a Fidelity AmEx. For places that don't accept AmEx, we use a Barklay's U-Promise MasterCard. The payments go straight into a 529 account for our son. My wife also sometimes uses a Discover card because she's had it for a ling time.