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I appreciate you watching. I guess I have a different perspective than yours. If credit card issuers, hotel companies, and airlines want to compensate you for your loyalty, than I don't see a problem with using that compensation. Does that make me a credit card baller?

I wish I did, but there have been reports of Amex not counting tax spend towards SUBs. Thanks for the thought.

I am too! I hope 2025 is great for you! Thanks for watching and dropping the comment.

@@VinceSwenson I haven't had your experiences, but we've always managed to find value from our FNAs. I hope you've found a hotel brand that works better for you. Thanks for watching and dropping the comment.

@@MMSTUDIOS5 That's the best I can do. I hope my experiences can help you figure out what will work best for you and your family. Thanks for watching!

@@Deadflush You ain't wrong. Thanks for watching anyway. It'll be fixed in the next one.

I'm pretty sure I've got the focus issue resolved 🤪 I appreciate you watching. The Savor Rewards would be strong enough with FTFs to have a place in my wallet, but no FTFs is a little "chef's kiss" on top.

@@bryantlong6522 It earns well at a Marriott property, but not so well elsewhere. And when you consider the value of a Marriott point . . . your spend could be better spent on another card. I appreciate you watching and taking the time to comment.

All that matters is if your set-up works for you. Everyone runs slightly different set-ups. Just make the most out of yours. Thanks for watching!

@ronburn Thanks for watching. You're right. I recorded them on the same day and tried a new setting. On the camera's playback I couldn't notice it, but it's definitely there. I won't be using that setting again!

Thanks for watching! I do recommend that for someone just starting out, but when I applied the Welcome Offer for the Savor Rewards was elevated and the Welcomer Offer for the Venture X wasn't. This is the 25th card we've opened between Nicole and myself. We have some points to burn through, so we decided to slow roll into Capital One.

I'm at Hyatt first and then Marriott. I earn status at Hyatt the hard way because there isn't a true short cut. I have Marriott status through the Bonvoy Brilliant. I don't travel enough to justify a 3rd loyalty status, but I know how good the Hilton Aspire card is. I'm sure that one day the Aspire will find its way into my wallet! Thanks for watching!

Thanks for taking the time to give it a watch; I appreciate the support! I'm glad I was able to move the conversation forward. Hopefully we're able to help someone go #FartherForLess

Stan, thanks for thoughtful comment and for providing the inspiration for this video. The CCC is such a good card, it really could (should?) be in everyone's wallet; it wouldn't be my first recommendation for someone though. And maybe that's the light I was viewing the topic in, recommendations for a first card. There are a lot of good things happening at Citi and they are an issuer to watch in 2025. The WF Autograph is a card I never paid too much attention to before the Journey came out. I think the Autograph would be a better fit for my wallet than the Journey because of where I put my spend. The (limited) introduction of transfer partners was a real upgrade for the WF portfolio. Agreed about the Surpass. If you have it, it needs to be a daily driver. Thanks for the watch! Keep up the great things at your channel!

Year One with the CSP is filled with value - especially if you can snag an elevated Welcome Offer. This time next year, Nicole and I will be looking at churning ours. Can't wait!

The Savor Rewards card is a great card, but I don't like to start with a catch all card. I prefer to start with a card from the system that has a large SUB to jumpstart the fun.

The savor isn't a catch all

@jcaceres516 Absolutely right! A great cash back, zero-dollar AF card - but not a catch all. I still don't usually start with a catch-all card though. Good catch. Thanks!

Moving on. Focusing on other transfer partners. Thanks for watching!

You win some. You lose some. Thanks for watching!

@bkhunt69 1st: Thanks for watching and subscribing! I appreciate it! 2nd: I've had Platinum status for a few years now. This is my first year as a Globalist. TBH, I get more out of Globalist, but I can't always stay at a Hyatt. Do you notice a big difference between Platinum and Titanium status?

@@millennialmoneyprogress I do the same thing! Except for gas because the Costco Anywhere card gives 4% back. But I also product changed a Sapphire Preferred to an OG Freedom card for when the rotating categories land on gas or wholesale club.

I'm glad you liked it! Thanks for watching!

I'd wait for an elevated offer on one of them. The Flex, Preferred, and Reserve all have base offers right now. And try to keep 3 - 6 months between approvals. Thanks for watching!

I don't have the Reserve either, and I'm okay with that. Maybe we'll upgrade one day. Thanks for watching!

It's a strong choice - especially if you're getting started. Thanks for watching!

First of all, thanks for watching! Easy part first. Favorite hotel card: Bonvoy Brilliant. The best setup for Cash Back is a collection of 5% back, no annual fee cards: Amazon card, Target card, Discover It, Freedom Flex, Custom Cash, etc.

Thank you. It's been a rough time.

I think we all do. There's so much going on at this time of year. Thanks for watching!

Crazy, right?

It takes some time, but there are more points out there than you think.

Don't we all?!

Sometimes it can seem to good to be true!

Put those points to use!

@@ryanmatthew24 We had a good time. I got a transfer bonus on the next flight! Thanks for watching!

Personal experience or reputation?

Both unfortunately

@@giannaperez8240 Sorry to hear that. I know of Wells Fargo's well documented issues, but I feel that most banks have some predatory inclinations.

@@annaahmed2564 Thanks for watching. I'll keep doing my best.

Tough call. Doesn't fraud protection help your credit score, too?

Maybe, but they are all good reasons to use a credit card! Thanks for watching!

It's always good to compare your options. Thanks for watching!

Thanks for watching. The airline partners have a lot of overlap with other programs, so it could be a good secondary system.

Not every set up is for everyone. Thanks for watching!

@@hahadarrie First, congrats. Second, I find that annoying and reassuring at the same time. Did you miss out on any large purchases for your SUB?

Sure is!

We've got like 5 nights coming up. Check the app! Love ya. Thanks for watching!

The Hilton Surpass is a good card too; it's basically the only card my parents have. Make the decision based on how your family travels. You'll be happier in the long run. Thanks for watching!

I think so too! Thanks for watching.

It's not perfect, but I love it too. Thanks for watching!

Well you certainly jumped in with both feet! Without knowing your other cards, it's hard to say. But the Platinum card doesn't earn points very well; it's not an earner - it's a benefits card. I think Hilton Gold is better than Marriott Gold, so I would lean more towards a Hilton card. The Hilton Surpass earns a ton of Hilton points and has a reasonable annual fee of $150 with easy to use credits. I'd look at that next. Unless you're a total baller and want to throw down for the Aspire at $550. Thanks for watching!

@@travelpointsfamily Thanks for the response. I was thinking that having a Hilton or Marriott card would be better "points wise." Just needed someone with more knowledge and experience than me to verify it. 👍🏽

You're welcome. I'm learning all the time too. I'm always trying to find new ways to go farther for less.

Hilton Diamond is crap. They don’t even give you any late check outs. Marriott platinum elite is so much better. Can’t best 4pm late check outs.

@@jnd2415 Late checkouts are great. There is a lot of value in the food and beverage credit that Hilton Gold status provides, but I'd pick Marriott Platinum status over Hilton Diamond status.