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Spencer Hewitt
США
Добавлен 30 апр 2022
Welcome! We talk about credit cards and personal finance here, hopefully in an entertaining way! If that sounds good, stick around, subscribe, because the content will keep coming!
Chase Sapphire Preferred Unboxing | Updated Roadmap?
Referral Links (Thank you for the support!):
Capital One SavorOne - i.capitalone.com/JNGLxLmTz
Chase Freedom Unlimited - www.referyourchasecard.com/18M/J67TYDRDGD
Chase Freedom Flex - www.referyourchasecard.com/18M/KRD5GVLGRJ
Chase Sapphire Preferred - www.referyourchasecard.com/19n/JFZ5R072Z9
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In this video I unbox my brand new Chase Sapphire Preferred Credit Card! I walk through my first impressions on the card and what all comes in the packaging. After that, I brainstorm about my potential next credit card in the near future. Let me know what you guys think! Hilton cards or the Venture X?
Thanks for watching!
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Capital One SavorOne - i.capitalone.com/JNGLxLmTz
Chase Freedom Unlimited - www.referyourchasecard.com/18M/J67TYDRDGD
Chase Freedom Flex - www.referyourchasecard.com/18M/KRD5GVLGRJ
Chase Sapphire Preferred - www.referyourchasecard.com/19n/JFZ5R072Z9
====================================================
In this video I unbox my brand new Chase Sapphire Preferred Credit Card! I walk through my first impressions on the card and what all comes in the packaging. After that, I brainstorm about my potential next credit card in the near future. Let me know what you guys think! Hilton cards or the Venture X?
Thanks for watching!
=================================...
Просмотров: 2 678
Видео
Chase Sapphire Preferred | Watch Me Apply
Просмотров 2,8 тыс.3 месяца назад
The Chase Sapphire Preferred is one of, if not the BEST mid-tier travel credit cards across all lenders. In this video, I give a brief overview of the Sapphire Preferred, talk about why I'm applying for it right now, then walk through the application process. Hopefully I got approved! Let me know what you guys think down below! 75,000 Point Referral Link (Thank you for the support): www.referyo...
Easy HACK to Manage Multiple Credit Cards in 2024
Просмотров 1,2 тыс.3 месяца назад
In this video I talk about a surprisingly unknown trick you can use to help manage multiple credit cards. If you guys already knew this trick, let me know down below! I hope this video provides some value to you regardless. Referral Links (Thank you for the support): Capital One SavorOne - i.capitalone.com/JNGLxLmTz Chase Freedom Unlimited - www.referyourchasecard.com/18M/J67TYDRDGD Chase Freed...
Why I Don't Use Amex Credit Cards
Просмотров 1,7 тыс.3 месяца назад
In this video, I talk about why I do not personally have any Amex Credit Cards. Are they bad cards? No. But I still do not like the direction they are going with their cards. Let me know how you guys feel about their cards in the comments below! Thanks for watching! What's in my wallet for 2024: ruclips.net/video/h0UINTeBnYs/видео.htmlsi=_Y3feZ1v_POlEmp9 Check out my most recent point redemptio...
What's In My Wallet For 2024
Просмотров 5 тыс.3 месяца назад
In this video, I talk about what credit cards I am holding in my wallet for 2024. I talk through some of the features of the wallet I use, about how I hold a debit card just in case I need it, and finally I walk through my mixture of cash back and travel credit cards. Is my setup the best or most optimal? No, but do I get lots of value from it? Absolutely! Let me know what you guys think in the...
How I Redeemed My Credit Card Points
Просмотров 4143 месяца назад
In this video, I talk about how I redeemed my credit card points. It may not have been the most "optimal" redemption, but it made a lot of sense for me. That is what the credit card game is about. Do what makes the most sense for you. I hope this video provides some value for you! Let me know in the comments down below! Thanks for watching! Referral Links (Thank you for the support): Capital On...
Capital One Credit Card Guide | Which Should You Apply For?
Просмотров 11 тыс.7 месяцев назад
Capital One has become one of the most popular credit card lenders for people in all stages of their credit card journey. They have lots of different credit cards, each offering their own benefits. In this video, I break down their most popular personal credit cards, talk about the benefits each card has, and some of the drawbacks each card may have too. I hope this video provides some value fo...
My Credit Card Strategy in 2024 (MAX Value)
Просмотров 9417 месяцев назад
So it's a new year, and with that comes a new chance to maximize the value we get from our natural spending habits! In this video, I talk about my credit card strategy for 2024, which credit cards I will be applying for, and how my mindset has changed since my last roadmap. I also give my thoughts on some of the recent Capital One Venture X changes. Let me know what you guys think in the commen...
Chase Freedom Flex | Watch Me Apply
Просмотров 2,8 тыс.7 месяцев назад
The Chase Freedom Flex is one of the most popular no annual fee credit cards in 2024. For good reason too! Here are some of the benefits of the card: - No annual fee - 5x back on groceries and gas for the first year - 5x back on travel (through Chase Travel Portal) - 5x back on rotating quarterly categories - 3x back on dining - 3x back at drug stores - 1x back on everything else - Various purc...
How To Pay Off Credit Card Debt (3 BEST Methods)
Просмотров 1537 месяцев назад
In general, debt is a very serious issue that a lot of people do not have enough knowledge about. In this video, I talk about 3 different ways that credit card debt can be paid off. Ideally, we shouldn't let any credit card debt build up at all, but sometimes it is unavoidable. If you have any questions or comments, leave them down below! Thank you for watching! NOTE: If you personally have SER...
5 BEST Credit Cards For Q4 2023
Просмотров 73810 месяцев назад
With holiday season right around the corner, now may be a great time to pick up a new credit card to take advantage of any spending you may already be planning to do! In this video, I talk about my top 5 BEST credit cards going into quarter 4 of 2023. Let me know what you guys think! If you disagree, let me know which cards you prefer! Thank you all for watching! Like and Subscribe so you don't...
Capital One Cash Back Duo | EASY Cash Back Credit Card Setup
Просмотров 2,2 тыс.11 месяцев назад
A lot of creators in the credit card space, myself included, put more praise towards credit cards that grant you crazy travel redemptions. For most people, a nice, easy, reliable cash back setup is what would actually work the best. In this video, I talk about a very powerful cash back credit card setup, and mention another optional card too. Let me know what you think! Hopefully this video giv...
The BEST Credit Card Setup (With Cards I Don't Have)
Просмотров 46711 месяцев назад
There are so many different credit card setups that can be considered the "BEST" setup for you. In this video, I tackle Daniel Braun's challenge to make a setup out of cards that consists of no cards that I actually own in real life. I decided to challenge myself even more than he suggested. If you guys enjoy, make sure you leave a like and comment what you think! Thank you all for watching! Ch...
Luxury Credit Cards Are NOT Worth it? (For Most People)
Просмотров 683Год назад
Luxury Credit Cards Are NOT Worth it? (For Most People)
Chase Freedom Unlimited | Why I Applied
Просмотров 3,1 тыс.Год назад
Chase Freedom Unlimited | Why I Applied
BILT Mastercard After 3 Months | BEST Credit Card For Renters in 2024
Просмотров 1,3 тыс.Год назад
BILT Mastercard After 3 Months | BEST Credit Card For Renters in 2024
Capital One Quicksilver VS Chase Freedom Unlimited | Best Credit Card For Everyday Use
Просмотров 4,1 тыс.Год назад
Capital One Quicksilver VS Chase Freedom Unlimited | Best Credit Card For Everyday Use
Capital One SavorOne Credit Limit Increase | How I Got Approved
Просмотров 13 тыс.Год назад
Capital One SavorOne Credit Limit Increase | How I Got Approved
I ONLY Use Credit Cards, This is Why
Просмотров 2,7 тыс.Год назад
I ONLY Use Credit Cards, This is Why
How I Increased My Credit Score FAST
Просмотров 4,2 тыс.Год назад
How I Increased My Credit Score FAST
3 Phases of a Credit Journey | What's in my wallet for 2023
Просмотров 4,2 тыс.Год назад
3 Phases of a Credit Journey | What's in my wallet for 2023
Capital One Savor One After 6 Months | BEST Cash Back Credit Card in 2024?
Просмотров 32 тыс.Год назад
Capital One Savor One After 6 Months | BEST Cash Back Credit Card in 2024?
Yes, yes, yes. I agree with your comments 100 percent. As for myself, the place in my wallet that American Express occupies is as a "charge" only card. After reviewing their web site this Spring, I applied for an American Express business "Plum" card which, came with a simple statement credit welcome offer after spending $20,000 (so, no way for me to spend this high amount), no welcome points, and no 2x, 3x, 4x rewards. To date, without changing my spending habits this card has been meeting all of my needs (smile ... smile).
Notes from your significant other holds more value than anything else in that wallet. I always keep mine on display as well.
CO Quicksilver, AMEX Blue cash and Apple. Just got all 3 only used apple so far.
@@EM80_Reviews I mean with just those 3 cards, you have decent multipliers in almost every category. Solid setup!
@@SpencerChewitt Thanks 🙏
You can use referral links to reach your goals on Amex
I had my platinum since 2006, and I have a 59 annual fee. Just applied for a quick silver got approved for 4k. Looking at other cards to replace my platinum.
@@EM80_Reviews congrats on the new quicksilver! 4k is actually a pretty good limit for that card too. If you like cash back, I think pairing the savor one with your quicksilver could be nice too. There’s lots of options though.
@@SpencerChewitt Yea I want a different company this time, Capital One stingy with the CLI. I’m thinking about Discover, that 5% sounds good.
@@EM80_Reviews discover definitely isn’t a bad option. The first year Cashback match they do is really nice.
Thanks, can’t wait to see where you are now. 🎉🎉🎉
@@Solacefoundandcurated I appreciate you! I plan to make a video soon to give an update on everything.
Will these cards build credit..
If you use them wisely, absolutely!
Yes, it will.
Dope video bro you just got a new subscriber!
@@terrancejackson5167 I appreciate the support!
Congrats I can’t wait to get mine!!
Love Chase but they have too many overlapping categories. Not all cards in the trifecta should have 3x on dinning. The Unlimited should also be 2%.
@@drag0n4ever 100% agree. I’d honestly be fine with the unlimited staying at 1.5% if they were to add other categories like gas or groceries to the other cards.
Congrats how did you decide on the preferred vs the reserve?
@@terrancejackson5167 thanks! For me it was an easy decision since I don’t travel quite enough to justify the reserve. I just wanted a nice card to get access to transfer partners for all of my chase cards. The premium benefits from the reserve wouldn’t be used enough for me to justify the annual fee.
Excellent content and informative! Well done! Hope your channel grows to new heights. New subscriber. ❤🎉❤
@@choosetoshine2610 I’m glad the content has resonated with you! Thanks for the support.
I completely understand your points here and very much agree. However, I find a ton of value by having the Schwab Platinum, Gold and Green. The Schwab Platinum allows me to transfer my MR points into my Schwab investment account at 1.1 cpp. With frequency, time and growth I get my annual fees back easily year over year. Screw using points for travel. Use them for compound interest! 😊
Having the other capital one savor card, I would go for the venture x. This is my current plan as well.
@@iggyperez-maccollum3129 good luck to you!
I just needed my card for a vacation. My credit card has a 3000 limit but I’ll only need about 700. I’ll have it paid off within a week
Good evening, from New York City Monday, July 1st 6:38 PM. What's the difference between server one capital, 1 credit card with excellent credit and Good credit.
They technically are both the same card, but the version that’s “for good credit” is a little bit easy to get approved for and does not come with the welcome offer. The welcome offer for the normal Savor One (the excellent credit version) is $200 cash back after spending $500 in the first 3 months.
@@SpencerChewitt Thank you so much for asking me back. I appreciate you.
After for two years I only got $200 dollar credit limit increase unbelievable. I got other credit cards like AAA daily advantage they gave me $2500 credit limit increase
That interest rate is sky high 😳
I have mixed feelings about C1. But, if you ever plan to get the VentureX, I’d get it now. C1 tends to prefer people who are early in the credit card game. They often deny people who are more experienced with lots of cards. You’re probably on the border line, so I’d go for it now. Each card you attain takes down your odds of C1 approval. Congrats on the Preferred! It’s consistently one of the best cards around.
I am with you: useless credits, high fees, not accepted in many places abroad. AMEX forces its customers to spend $$$, they otherwise wouldn’t. Staying away from AMEX.
Just got approved for my chase sapphire preferred now my trifecta is complete 🥹
Congrats 👏
Thank you!
I got the FF in March, it was my 11th card in 12months... this was my 2nd Chase card...unsure why the 5/24 rule didn't apply....
Interesting. I’ve been seeing more and more people beat 5/24. But 11 cards is on another level! Congrats though.
I used your referral link & got approved. 👍🏾.
Congrats on the approval! I really appreciate you using my link as well. That directly helps to support the channel. I hope the card provides you tons of value!
That's my Dawggg! 🙌🏿
Yes SIRRR! 🙌
I'd get the VX first since C1 is inquiry and card sensitive.
Yeah that makes a lot of sense. That’s what I’m thinking.
I just got approved for this card! Been wanting this card for a while since I take Uber a lot and dine out a lot! Thanks for the review!
Congrats on the approval! It’s a great card overall, especially on dining and groceries. That Uber benefit will be great for you I’m sure too while it’s there.
@@SpencerChewitt I think even after Nov you still get 8 percent cash back. I believe i saw that
@@TheHockey1980 I haven’t seen anything about it, but I can definitely look into it. From my current understanding, the partnership capital one has with Uber does end in November. Whether there will still be elevated earnings for Uber or they will renew their partnership I’m not sure. Regardless, the card is still valuable in my opinion!
I did see you get 8 percent cash back on entertainment. I just looked it up! But what do they consider entertainment? Concerts?
@@TheHockey1980 so the 8% back is specifically through the capital one entertainment portal. It’s usually concerts and things like that.
I’m just trying to figure out if I can use it for Sam’s club
Unfortunately no. The grocery category does not include stores like sams club and Costco. I’m pretty sure those would be classified under warehouse club stores, so no card that offers elevated points on groceries would get the higher points there.
Ideas of how to spend $4000 in 3 months?
Never go out of your way to spend that much. I plan any welcome bonus around bigger purchases that I was going to make already. For example with me, my mom’s and my girlfriend’s birthday are both coming up, and any gifts I get are going straight on this card. The mini vacation we’re taking was paid for on this card too.
Prioritize VX or you may get denied for too many cards. Its a solid card. Easy to justify AF and still has a lot of nerfing room before it doesn’t punch above its weight class. Hiltons are just there for the sub. Plat gold status is good enough for me.
Yeah my main worry with the VX is the decrease in approval chance after I’ve acquired more cards. It seems kinda backwards, but it’ll definitely be better to go for it sooner than later.
Hilton Honors up next for sure! Points & a free nite's stay for no af- I'm considering it myself 😃
It's really tempting!
Now that you got the Chase CSP card, you may want to consider getting the Hilton Honors card next. If you want to be able to get the Welcome offer on both the Hilton Honors and Hilton Surpass card, you'd want to start with the Hilton Honors (NAF) version. The NAF Hilton card also has a pretty low spending requirement and obviously you have six months to spend that. The Hilton Honors card is a great card. I've had it for just over a year and I really like it. I'm actually contemplating applying for the Hilton Surpass card after I apply for the CSP. The Venture X is a good card to go for after the Hilton card. Since you're still fairly early in your credit card journey, you should have a good chance at being approved. However, Capital One can be inquiry and application sensitive so you may want to wait several months after getting your last card.
Congrats man!!! Im trying to get one soon
Thank you! You got this too!
Should have got an Amex
I feel like the chase cards make more sense for me right now 🤷♂️
@@SpencerChewittI’ll be getting CSP then Chase freedom unlimited following that I’ll settle for AMEX Gold having 5 cards in total. I do wanna cancel my two starting cards but can’t cause it’s with capital one and don’t want to hurt my credit and history
I'm over 5/24 can you put in a good word with Chase for me so i can get the that card too? 😂😂
I’ll see what I can do 😂🫡 no promises
Congrats with the csp its a great card. I would say get the Hilton card next (you just added a travel card with csp) Hilton will be your first hotel card, then get the venture x......
Thank you! Yeah it seems to make a lot of sense to go with the Hilton card. I’ve seen the value that free night can give.
@@SpencerChewitt yes indeed. also from another angle, 8 thousand in spend for the next 6/8 months csp & venture x bonuses could be a bit harsh....hllton would be a nice break in between, then finish off venture x. All in all Happy times on making that decision 🙌
Especially if you take your time with these sign up bonuses. You might want to think about getting like the citi double cash or custom cash for really good cash back cards without annual fees. It seems like you have liked really practical redemptions in the past.
I appreciate the good suggestions! Yeah I’m definitely considering the Citi custom cash, especially once my freedom flex welcome offer for 5% back on gas expires. Getting into their ecosystem could be cool with the strata cards coming out.
a lot people use their chase UR points for hyatt. So you should probably get the venture X for flights and more flexible travel.
Yeah that’s smart thinking. With the sapphire preferred I can combine both my chase UR points and my BILT points for Hyatt stays, and with a card like the venture X, travel could become a lot more accessible too.
Congrats! The CSP is still 1 of my favorite cards
Thank you! And yeah it seems really nice! Excited to get some value from it.