The BEST Travel Credit Cards (For EVERYONE)
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- Опубликовано: 3 июл 2024
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Hey guys, in this video, I talk about some of the best domestic economy travel credit cards that normal people can get a lot of value from. On RUclips, we're constantly talking about credit card point redemptions for luxury trips to places like the Maldives or Bora Bora, but I think we forget that the majority of people out there physically can't take trips like that due to life circumstances even if they have the points to do so. So in this video, I wanted to share the best cards for the everyday person who wants to travel for free with credit cards. We'll talk about luxury travel credit cards, mid-tier travel credit cards, and hotel/airline credit cards for those of us who frequently travel domestically while answering the question "What are the best credit cards for domestic economy travel?". I hope you enjoy it!
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Watch Next:
🎥 Capital One Venture X: Get Approved INSTANTLY: • Capital One Venture X:...
🎥 MaxRewards App Review: BEST Credit Card Management App?: • MaxRewards App Review:...
🎥 The Chase Sapphire Preferred: My Honest 1-Year Review (2023): • The Chase Sapphire Pre...
🎥 Citi Custom Cash Card: Do THIS to Get Approved: • Citi Custom Cash Card:...
🎥 The Most Powerful Credit Card Duo: Venture X & Amex Gold: • The Most Powerful Cred...
📚 Chapters:
00:00 The Best Travel Credit Cards For Normal People
01:05 Chase Sapphire Reserve
04:09 US Bank Altitude Reserve
05:43 Capital One Venture X
07:20 Amex Platinum
08:36 How I Manage My Credit Cards
09:48 Chase Sapphire Preferred
11:42 Citi Premier
12:50 Capital One Venture
14:04 Hilton Honors Cards
15:19 World Of Hyatt Credit Card
15:45 IHG Rewards Premier
16:30 Citi AAdvantage Platinum Select
17:09 Delta Gold
17:28 Southwest Rapid Rewards Priority
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#travelcreditcards #bestcreditcards #creditcards
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If you want to know what credit cards I’m planning on adding to my setup next, watch this video: ruclips.net/video/u524eajrqx8/видео.html
What are some of your favorite domestic travel credit cards? 👇🏼
I wish Max Rewards would work for credit cards issued by credit unions. They only support larger institutions. Mint uses Plaid and picks up a lot of the credit Union cards and transactions.
Every time I hear someone mention the Maldives I can’t help but roll my eyes. I’m just trying to go NYC, Austin or LA. Not the other side of the world 😂
🤣🤣🤣🤣🤣
You have an excellent point, that's why I liked Spencer opening statement. I understand when Spencer talks about Southwest, same as in Portland & Seattle use Alaska Airlines Credit Card & Citi Costco Anywhere Visa Card when it comes to credit cards but most of the time your average person uses Debit Card.
Haha I completely understand! I'm the same way tbh. That's why I wanted to make this video!!
I'm glad you liked that! The credit card space on YT is littered with people flexing 15+ cpp redemptions while I feel like the majority of people just want to travel domestically and would get a ton of value from a 1.5cpp redemption instead.
It's one thing to mention the Maldives, and actually go there. But most RUclipsrs tout these high value redemptions, but never actually walk the walk.
This video was such a good, refreshing video. Every other credit card RUclipsr talks about international and not domestic travel. Thank you!
To me, the Chase Sapphire Preferred is the perfect card for my current situation. I don’t really care for the lounge access because I almost always have less than 1 hour for a layover so I don’t have time for lounges! But I still get those transfer partners, and I just booked my first travel through the travel portal! Great video Spencer.
That's exactly why I love the card so much too! The transfer partners are all I need. Congrats on that travel booking though! I hope you enjoy it man!
Great analysis here Spencer! For domestic travel for the everyday person, I would emphasize airline-specific credit cards. Although they may not earn as much as the flexible point earning cards (CSP/Amex Plat/etc), these airline cards also get you intangible perks like priority boarding, passes to airline-specific lounges, and/or airline discounts. For the everyday traveler, they may not fly enough to reach status with an airline, and these mid-tier airlines cards are a sweet-spot to get these travelers these perks for around $95 making it well worth it considering the continually increasing airline fees!
Thanks Stan! And I agree! If you frequent a couple main airlines, those cards can provide a ton of value. The same goes for hotel cards too. Great points here man!
Great video here Spencer! Yeah, it's so easy to talk about some crazy travel redemptions like the Maldives and hype those up, but in reality most people probably aren't making those redemptions regularly. So, the information regarding domestic travel with a card like the CSR & Chase Portal is definitely useful.
I'm glad you liked it Matt! I feel like the majority of people using credit cards don't care to take insane trips like that, so hopefully videos like this help them out!
Well done, well-paced, covering just the right key points, very helpful! Thank you!
I'm happy you thought so! I try to get better with each video. Thanks man!
Great to see the CSR getting some love! Harder to get positive value from than the VX for sure, but it’s a workhorse card. That 1.5cpp is really solid and probably the best you could hope for on domestic airlines. I’d also add it’s great for a city dweller (Chicago, NYC…) as travel includes transit. The Lyft pink membership also includes free access to the city bikes which is pretty neat little perk! Great video Spencer!
You know it! And I completely agree... the CSR only becomes more powerful if you use it for general travel purchases too! It's a solid workhorse for sure. Thanks for being here Jeffrey!
Very cool video Spencer! I love to hear your thoughts on domestic economy travel. I would have put Bilt on the list somewhere. For a no annual fee card it has some amazing benefits.
Thanks John! That’s a great point too. I definitely could have mentioned that!
Super comprehensive video Spencer! You're right about the Venture X not having the best redemption options. Having a 1.25x or 1.5x bonus on portal redemptions would be great. The Reserve is certainly a nice travel card and seems very simple to get positive value from. Great vid!
Thanks Josh! Until making this video, I didn't even think about the fact that the VX doesn't give you any boost in their portal. It'd be cool to see that implemented!
Yes Sir! Thanks for this video! 👍
Thank you for being here as always!!
As someone who is currently looking into the Bonvoy Brilliant this video has given me a lot of super useful information. Then again when do your videos not provide tons of priceless information. Love the videos!
That’s awesome to hear man! Your support means a lot to me! And btw, that new badge looks great next to your name 😉
Great breakdown! I’m also wanting to get the WoH way down the road!
Thanks man! I'm tempted to pickup the WOH at the end of this year even if they don't elevate the bonus. We'll see!
Great tips for domestic travel for sure. The U.S. bank Altitude Reserve is really good of thats your goal. The Reserve is great becausebit gives you the 1.5cpp option and the tramsfer partner option.
Exactly right! Both of the Reserve cards are solid in this case!
I love this comprehensive video Spencer and how it shows that travel credit cards come in many different flavors. For my next travel credit cards I am slowly working toward Marriott to see how things are over there.
Thank you Chase! With that new Brilliant offer, now could be a great time to look at em 👀
@@SpencerJohnsonOfficial ikr 😅 I'm gonna give it a little time since I just picked up the BBP
That’s fair!
Having a great travel card is so important! I know having the CSP really opened many doors for me in the travel game!
The CSP is such a powerful card for just a $95 annual fee that’s for sure.
Altitude Reserve was honestly my first travel card before going to Chase. I'm hitting year 2 now and still loving it, 3x mobile wallet multplier, $325 travel/dinning credit thats easy to use, 4 lounges is good for casual use, and RTR for 1.5x boost. Defintely undderated!
USBAR is perfect for the ocassional traveler. I call it the CSR Lite version.
Great video, Spencer! This video is definitely for anyone and everyone. Being a current member of team cash back, I have two hotel cards because I do spend at least one or two nights in a hotel every year. My two favorite premium travel cards are the Capital One Venture X and the U.S. Bank Altitude Reserve and some day, I would like to hold one or both of them. Before I get a premium travel card, I do plan to get the CSP. Depending on whether or not Citi improves the Premier card, I may consider getting it. As for hotel cards, just about any one of them that offers an annual free night certificate is worth it. My favorite hotel chain is Hilton and some day, I would like to have the Aspire card. I think it’s definitely a good alternative to the Amex Platinum. As far as airline cards, I could see myself getting an American Airlines card and/or a Delta card because both airlines serve my local airport.
Thank you so much John! Your comments are always super insightful which I appreciate a ton. And it sounds like we have a very similar mindset on these cards which is always nice to see. You’re the man! Oh and btw I love to see that badge next to your name!
Definitely will be getting the CSP and use it with my NFCU Flagship credit card & Amex Business Plus will hold me down with travel.
That'll be a really solid combo!
Definitely can't take advantage of the premium luxury CCs if you aren't traveling - specifically flying. Agree that for most peeps you can get some great redemption values without having to go to the Maldives or Bora Bora. Thanks for the info + video!
Absolutely right!! There's a very large amount of credit card users who will never take these insane trips we talk about a lot, so I'm hoping this video will help them out! Thank you for the support as always!
Great video as always Spencer and solid breakdown of these cards! I used to roll with a cobranded airline card (Alaska) before adding CSP. Now that I don’t live anywhere near an Alaska hub, I’m thinking about trying American + CSP. Of course, that’s lower on my card wishlist rn😆
Thanks so much Josh! Your plan is completely reasonable. You could also get the Bilt card if you're renting to either combine your Chase points and Bilt points through Hyatt or use your Bilt points for flights with AA 🤷🏼♂️
@@SpencerJohnsonOfficial Also a great option! Picking up BILT next actually👍
@@JoshGiebel Love to hear it!
Hi! Just discovered your channel through Daniel Braun’s “What I Spend in a Week” video. I’m 21 and I appreciate that you put a focus on realistic travel, I share your love for Hyatt in that regard. The TPG estimates for Airline CPP values never seem to add up for economy travel, could you do a video on how you value those points for economy between the big airline brands or link one if you’ve already touched on it? Thank you so much!
Hey Ethan! I’m really glad to hear you found my channel and I’m happy to have you here! I haven’t personally made a video about that yet or know of anyone that has but that’s not a bad idea! I know he likely estimates their cpp value including international redemptions to a degree, but honestly the cpp value he lists for most of the big airlines is pretty accurate based on the value I’ve gotten. At least that’s the case for SW who I fly most frequently domestically. I guess the only way to really know for yourself would be to calculate it based on the routes you’re taking and compare those cpp value among the top airlines, but for a general value I’d still refer to TPG personally. I can look into it more though!
The video i didn't know i needed
I'm really happy to hear that man.
Great video SJ. I agree with alot of your choices.
Personally i have enjoyed the CSP as my go to travel card. Cant beat the travel protections & primary auto CDW for less than $100 AF! I frequently redeem my URs through their travel portal for a guaranteed 1.25 ct per pt rate. It's super easy. However, im now going to try my hand with some MRs after recently getting approved for the Green card, which is another great low AF travel card option!
Thanks so much Doc! You’re right on man. The CSP packs a punch with such a low AF. I’m excited to hear what kinda value you get from your MR points soon enough!
@@MrBankRelations - im loving the amex gold & green. For me its a great combo. That citi premier is a great all around point earner! I recently downgraded mine to the citi DC to cut back on AFs.
I would love to see you make a video about the US Bank Altitude Reserve Spencer. Not many people talk about it because of how hard it is to get approved for it BUT it is once of the best travel/cash back card out there.
Hopefully this one satisfied your desires a bit! The card definitely deserves a bit more love. I agree with you though, if you're able to get approved for it, it really is a solid card all around!
USBAR is perfect for the occasional traveler. I call it the CSR Lite version.
New Bonvoy Brilliant welcome bonus is intriguing.
Good point!!
Great video spencer. Could you consider a guide to hotel status video? I too love Hyatt, but considering globalist is so difficult to achieve, and Hilton diamond is easy with the Aspire, I’m having a hard time justifying hyatt over staying at Hilton for every trip. Despite Hyatts being great and them being chase’s best Transfer Partner, it actually almost always makes more sense to stay at Hilton’s so long as you’re a diamond member. Not to mention Hilton’s points are easy to earn and churn as you mentioned
Thank you so much! I'd love to make a video on hotel cards at some point for sure. I don't see any issue with getting the Aspire and making Hilton your main hotel chain of choice. However, you could always still have a card like the World of Hyatt card for at least one free night a year! And in combination with your Chase or Bilt points you could get a full trip out of it pretty easily. Then just travel with Hilton for the rest! It all depends on the person though to be fair.
@@SpencerJohnsonOfficial thats fair. appreciate you providing your thoughts on it, thank you!
You got to the Hilton credit cards and I cringed a little inside 😂😂. Yup, I’m still feeling salty about my experience.
Im just waiting for that WOH bonus to go to something decent and i can see myself pulling the trigger on that card.
I’m not sure I’ll get an airline credit card, but it does make sense for me since I typically do check a bag 😅. Yup, I pack heavily 🤫.
Haha I didn't mean to hurt your feelings! You'll have the card in no time though. I'm honestly not sure I'm gonna hold my breath on the WOH card at this point. If it hasn't raised by the end of the year I'll probably still get it tbh. Airline cards will come further down the line for me, but particularly with SW since I also don't check a bag and would get more value from their cards instead.
I have the Charles Schwab Platinum and it works great for me. Unlike the CSR etc, if you don't travel a lot it's not the card for you. I get almost $1,200 in value from that card every year so it more than pays for itself. JFK being my home airport, I never have a problem when I travel going to the Centurion Lounge at 15,000 sq ft. I've never experienced overcrowding or waiting in lines like I see at other locations.. Spending habits and demographics plays a huge part in finding the right credit card. Great vid as always Spencer 💥
Thanks for sharing your experience Mike! The Plat cards can still be super valuable for the right people, but unfortunately I feel like we're seeing a lot of people applying for it who shouldn't be the days. I appreciate you being here man!
@@SpencerJohnsonOfficial So true! I have friends that have the Platinum just to say they have it and have no idea about credit cards. They use it for everything and it irks me lol
@@MikeMaye It pains me to see that too!
Although I personally rank the CSR lower, I can definitely see the ease-of-use usecase for more casual and domestic travellers! Have you noticed that flights and hotels on the individual travel portal are very different than direct? Personally 90% of the time things are just as much if not cheaper in some cases! And in those scenarios, the Venture X really puts up a fight! Awesome breakdown as always Spencer!
I think the CSR and Amex Plat have some glaring flaws in their designs, whereas the V1 isn’t as powerful in some areas as a other premium travel card but it’s well rounded in its overall design.
The CSR and Platinum needs to be in a setup (possibly more AF) and the V1 can stand on its own as a travel AND everyday card.
@@krs1905 That's a great point. I personally combine the CSP + VentureX (and Plat) given the CSP still gives me the ability to transfer those valuable Chase points!
@@KevinYang I have the CSP too, but just for their recent SUB of 80k. I think about downgrading it next year. I have the Chase Ink Preferred for transferring and they offer 3x on internet, phone, and cable - which I pay about $500 a month for from all of my plans (18k UR Points).
I have the VX and I’m hoping to product change one of my QS to a SavorOne card before my Amex Gold Card comes due next year for its AF.
For all of the credit cards out there, I wouldn’t rank it as high. However, for domestic travel I’d still rank it at #1 personally. And yeah I think that a lot of us can get value from other cards because we really know how the travel game works, but for the everyday person who wants to use one card and a travel portal, the CSR is really solid! Thanks for your insight Kevin!!
Love the opening line. I know they are beautiful places, but every time I hear someone talk about using points for Bora Bora and Maldives, I sigh a bit haha.
I'm glad you appreciated that! It's easy for people to forget that the vast majority of people who use credit cards don't care to ever travel to one of those places.
Great video! As mentioned from Q&A yesterday I’d love to get the venture x, but capital one don’t have enough love for me to give it to me, even with pre approval check. Just sad that they don’t offer the sign up bonus to me for any card that I get pre-approved for too, which all the cards they pre approve me for are the bad cards. Maybe one day but need to figure out how to obtain it with the welcome bonus.
Thank you so much! I would just focus on practicing smart habits with your cards to ensure your credit profile is as strong as it can be. If you do have any Cap1 cards and aren't spending on them currently, putting some spend on those could help too. I'm not too sure why they aren't extending bonuses to you but maybe some of what I just mentioned would help!!
In my humble opinion, the overcrowding in lounges is across the board depending on the airport.
If you’re flying in and out of JFK, SFO, or LAX - Centurion lounges are always busy. However, I just in Vegas and it was rather calm for a Friday evening.
Same with Delta Skyclubs, expect any of their major hubs to be busy 7 days a week (especially ATL). Any of the so called “premium” lounges are going to attract more people. I do see Amex upping the fee on the Platinum at some point though to try and make it more exclusive….
Thanks for sharing your experiences with it lately! That's super helpful. I agree with you though, they're gonna have to keep making it more exclusive and that probably comes by upping the annual fee sadly.
Great video once again Spencer! Perfect timing for those who are thinking about taking a trip this summer and are looking for a card. I really appreciate you pointing out that you can upgrade the chase preferred card to the reserve.
Thanks so much Ahmad! I’m glad you think it’ll be valuable for folks. And yeah I think the upgrade from the CSP to the CSR is a really good way to go for those who are comfortable doing that. Thank you for the support man!
I really like this idea because the average person might be looking to save a couple hundred dollars every so often instead of looking for the maximum redemption value of their points by flying first class to an exotic destination
I’m glad you liked it! That’s exactly who I made this for tbh.
I have Chase Sapphire Reserve for more than 4 years (actually upgraded from preferred which I got on 2016), very happy with it. I have saved my points enough for whole trip in one free trip with economy from EWR - BKK for United via chase ultimate portal and one recent trip on business class on Singapore airline round trip from JFK-BKK with transfer partner option. I preferred to use transfer partner as the reason you have mentioned, getting better status and easier to modify the trip as changing the flight, which I can contact airline directly. Actually I have Amex platinum by becoming additional user on my brother’s card so I can use Centurion lounge without spend full annual fee. But from my experience with Centurion lounge in Las Vegas on 4th of July, I think it’s quite overrated even i didn’t have hard time to get there.
Thanks so much for sharing your thoughts and experience! That's super valuable for folks. Also, if you're someone looking to go for as many welcome offers as you can, if your CSR is more than 4 years old then you could downgrade it to a Freedom card and then reapply for it for a new bonus now that you've gotten past their 48 month language on the SUB. Just a thought!
@@SpencerJohnsonOfficial Thank you for your though. I have around 150k point left on CSR, probably I will use for next trip and might downgrade if it is not too much hassle.
I was doing some research on price differences for hotel booking. Through capital one travel card the room price was much more higher then calling the hotel direct .
That can happen! You definitely need to do your research!
Thank you for not doing "aspirational" travel! This is a great channel!
Of course! I wanted to make a video for someone like myself so I'm glad you found it valuable. I appreciate your support!!
I just used my CSP to save $120 on CDW on a car rental this past week, so I’m pretty happy about that!
@@davidwilliam9451 worth it, let visa handle it
That's awesome to hear! That's definitely a valuable perk!
I don't think it would take months but I could be wrong. If they let it go into a new billing cycle I'd be shocked. I'm sure they'd reimburse you right away once you filed the claim but I don't have experience personally.
Its nothing fancy, but here's my credit card plan for at least the next 3-5 years. I currently have the Chase Freedom Unlimited, Amex Blue Cash Preferred, the Costco Visa Card and I just got the Capital One Venture X for an upcoming trip that I am putting my spend on to get the SUB. I was going to apply for the Chase Sappire Preferred this holiday season and then get the BILT Mastercard sometime early next year and then end 2024 off with the Amex Gold as I will be moving and can use the Gold card for meeting the minimum spend. I probably will cancel my Amex BCP right after I apply for the Gold since I don't need both cards. Realistically, after I get the Gold card, I might not need to look for a card for a while unless I see a killer sign up bonus or see my travel plans change. I think those 6 cards by the end of 2024 (Amex Gold, C1VX, CFU, CSP, BILT, and Costco) will cover me fine for all my spend categories for the foreseeable future, especially since I am single and not a huge spender. But otherwise, I think it will cover all my travel expenses and experiences too
That sounds like a really solid plan! It seems you’ll be moving from a bit more team cash back to team travel as time goes on which is cool to see! Keep me updated on how your plans evolve and what cards you end up adding!
@@SpencerJohnsonOfficial Absolutely! Will keep u updated!
The Sapphire Preferred is a great starter card and it's $45 after credits (although Chase's Portal sometimes prices poorly relative to other platforms). The real value after the bonus is the 25% additional redemption value, which also boosts your other Chase cards. The primary insurance coverage on car rentals is a big plus too. I was very, very lucky to get the 100K opening bonus last year, plus I got the $95 annual fee waived in year one.
The Southwest Priority Credit Card is also a steal of a card. While the annual fee is $149, you get a $75 credit for any SW purchase, including flights each year, plus 5K in points on Southwest Rewards (calculating to another $75K), and four priority boardings. You can't beat that card if you're a SW flier.
Thanks for sharing your experiences with these cards! The SW Priority is definitely on my list. Congrats on grabbing that great offer on the CSP too btw!
@@SpencerJohnsonOfficial I just got accepted for the CSP at the 80k reward points 10 days ago. Feel lucky to have caught that. I'm wondering what would be the best card for flying on Delta or American Airlines as I don't do Southwest anymore? Cheers
@@andrewfreeman88 Congrats on that! I would just check out their airline cards if that's what you're looking for! The Delta Gold or Platinum could be good options along with the Citi AAdvantage card I mentioned here in this one. For the free checked bags alone those cards are powerful.
also such a good video
Thank you so much! I'm glad you found it to be valuable.
I am trying to learn more about the travel cards in general and one thing that I am struggling is with Chase CSR and CSP. Because majority of my purchases are either grocery, gas, Costco purchases, or other random uncategorized spending, this card is effectively 1% cashback card. Putting all the other benefits aside for the moment, even with %50 or %25 bonus for redeeming these points, I feel like someone is on a loosing end with it. Wouldn't using a flat 2% cash back net overall a more positive cash back, give more flexibly to book whatever flight without any limits, out pacing the 25/50% bonus for spending on Chase travel portal, which probably might have inflated prices to begin with? am I missing something here? I get that sign up bonus is nice, but besides that, I am not impressed and I am confused.
Hey man not sure if you’ll see this just wanted to say I’m a big fan. I had a quick question I thought you could help with. So I have the Chase Sapphire Preferred & Unlimited already but I’m a little unsure of what I should get for my next card. I’d like to get the Freedom Flex, the Bilt Mastercard, and the Citi Custom cash but I’m not sure which one would be best to get next
Hey Talen! Thank you so much for the support! So, my thoughts on your predicament are the following:
It seems you're under 5/24, so I'd go for the CFF now if it's a card you do want at some point. However, if you're well under 5/24 and can add a couple more cards before you go over, you could definitely add the Bilt or the Custom Cash right now. If your goal right now is to travel with your points, I'd recommend adding the CFF or Bilt before the Custom Cash unless you already have the Citi Premier.
Hopefully that helps but let me know if you have any questions!
When you think of applying on these card if you go into a branch you might be able to get a higher sign on bonus. CSP was at 60k but in branch you could get 80k for the same spending and 90 k for spending more. Something to look into.
Very true! That 90k offer was solid if you wanted to spend more to hit it but you definitely want to keep your options open!
When comparing credit cards it’s hard for me to take Chase seriously when all of their sales copy doesn’t offer regular groceries at 3x+ as a standard offering.
My future favorite combo for my consumer purchases is going to be the SavorOne and the Venture-X - 3x on groceries, 4x on restaurants, and a catch-all card at 2x.
The Chase Ink Cards are 🔥
I completely get that! I’m thinking about making a vid on the problem with Chase credit cards this next weekend. I’m not sure if that’s what I’ll end up doing but it’s an important thing to discuss. The Cap1 duo is definitely solid though. And you know I love my ink cards!
I'm doing x5 groceries on my freedom now. Have 5 months left in my promotion
@@billwright2176 Amex was just offering 9X for a few months on groceries with a referral bonus that just ended.
We all eat everyday, wether we spend on groceries or restaurants - it’s nice to just pull out a card and always get at 3 or 4x every time we spend on food.
A regular Joe here who doesn't travel much, maybe just once a year, has a hard time justifying getting a CSR or Amex Plat after they each raised their annual fee a lot through the past few years. Great to see the mention of US bank Alt Reserve, don't really care about the lounge access part but wish they have more little bit more status built into the card tho.
That's very true. The luxury cards are for people traveling more than just 1 time a year. But the others could serve you really well still! I'm glad you seemed to enjoy this one!
USBAR is perfect for the occasional traveler. I call it the CSR Lite version.
@@saangtoaikaa9211 I agree!
Casual traveler with hilton loyalty the Aspire is S tier. Do some research how you can be creative with the credits and you learn how powerful this card is.
That's very true! I had to at least mention it in this one for sure.
Are you able to use the us bank altitude reserve card before the physical card arrives?
it would be really awesome to compare the United Explorer Credit Card vs Chase Sapphire Preferred. They are both of Chase for 95$ per year
Personally I think the CSP would win that one really easily. Mainly because it earns Chase UR points instead of just United points and it covers more categories. Chase points can be transferred to United through the CSP, but they can also be transferred to many other airlines and hotels too which make them a very powerful point system compared to United where you're locked down to just one type of points. Also with United's devaluations recently, the CSP would be a much safer hedge against that since you can transfer to other airlines instead if you'd like to. Hopefully that gives you a quick understanding of my opinion between the two!
I’m excited for travel next year. I’m just less than $200 away from completing my SUB on my Amex gold.
I'm excited for you man!! Those points are gonna feel awesome when they hit your account for sure.
@@SpencerJohnsonOfficial yeah after that my goal is the Venture X like we have talked about. I’m waiting until C1 considers me in the excellent credit rating on the pre approval tool. I’m like 5-10 points away from it.
@@jeffreyplatt7703 You'll be there in no time!
I hold the AMEX PLT,the Saphire Reserve,and the BILT World Elite.I'll be a full time traveler once I retire with most of my traveling outside of the USA,thus the reason why I have the Saphire Reserve.What could I add to compliment this setup,or,do I even need to ? I still travel a lot both domestically and internationally,but as I mentioned,once I retire,I'll be a full time traveler.
It sounds like you have an awesome setup! Have you considered getting into the hotel/airline credit cards yet? That seems to be a logical step if you're using certain hotels/airlines frequently.
@@SpencerJohnsonOfficial No,but after your video,Im thinking of adding the World of Hyatt Visa or maybe even the British Airways Visa.I like to fly out of London as its a major hub for any European flight and its less expensive to fly out of London to pretty much anywhere in the world.
@@worldtravelventures That could be a good move then!!
If you already have the chase trifecta (preferred, flex, unlimited) what card can you downgrade the preferred card to to get another preferred sign up bonus in 4 years?
You can actually have multiple Flex, Unlimited, or OG Chase Freedom cards as they’ll allow you! So you can product change to any of the Freedom cards when you’re ready to reapply for a Sapphire card again.
if the Venture X adds Hyatt, then it can dethrone the Sapphire Reserve
For the US Bank AR, are you able to get the 3x and 50% more 4.5% when covering Expedia charges? Does that count as travel?
The 50% increase only has to do with redemptions if that’s what you’re referring to. So it doesn’t increase your base earning rate, just what your points are worth through their travel portal. Hopefully I understood you correctly.
I feel like I'm the only one that's never used a lounge I used to travel like maybe 10 times a year and just never saw the point of the lounge and typically if there was a lounge significantly away from my terminal anyways
I haven't been in one myself yet. I see them mainly being valuable to those who travel frequently for business or something and are constantly having layovers where they could use a good spot to get work done.
As someone who owned both, and now only US Bank Reserve for 2 reasons, one the digital wallet of 3% all which in fact that 4.5%, only if you redeem it to travel expenses than you can cancel it within 24 hours, the bank will get you back 4.5% cash back as statement credit, also Chase lowered their 50% which in fact that it was 33.33% not a booster of 50% just 50% more value to your points which mean, if you have $100 transaction will be redeemed by 6667 Chase points, but since the beginning of this year Chase lost many of the benefits of 33.33% for restaurants and travels to gas and grocery stores which many cards cover these topics IMO, and lowering the value of redeeming to 1/2 of 33.33%. I used to combine both benefits with Upside and getting more than 60% of all restaurants in Atlanta area.
That's great to hear you've had good experiences with the Altitude Reserve! However, I don't think you're quite right about the CSR. It still provides a 50% boost in the travel portal as stated on their website, but maybe you're just talking about the reimbursement?
@@SpencerJohnsonOfficial But not on the pay yourself back tool which used to be one of a kind IMO, I redeemed there more than a million Chase points just last year for restaurant visits, pay yourself back was the best credit card innovation IMO!
@@qahtanalqaysi5116 - ya the PYB feature was nerfed on the sapphire cards, but the CSR still offers 50% boost vis travel portal & 25% on the CSP. The PYB feature was just too offset cancellations during covid. However, my ink unlimited still offers 1.10% PYB, which ain’t bad for a no AF card. 👍🏼
@@docsays I’m talking about Pay yourself back tools which is 10 times better quality than other services IMO!
About US bank. Im surprised i got approved for the altitude go signature card and i never had any relationship with that bank. I do have like 12 inquiries and my credit score was about 700. Though my oldest credit card is from march 2022 and i did have student loans that were paid off 4 years ago and im 22. So i find it a bit weird. Also i live in a state where there are no US bank branches lol
Oh wow that's awesome that you got in! If they were lenient like that for everyone, I think their cards would be way more popular.
Word of caution on using Chase Travel Portal. Any hotel bookings you make cannot be modified. You can only cancel and rebook. Learned the hard way when booked hotel in Cork Ireland, couldn't make the modification to drop a day. So instead, I lost the points used and had the hotel note that I'll be arriving late. Bummer....
That's a great point! The travel portals are not perfect by any means, but they're still a really easy way to book so I see why people like them! I'm sorry to hear you had a bad experience with that though man.
@@SpencerJohnsonOfficial yep.. all good. Keep up the really good videos Spencer.
Thank you man! I’ll do my best!
I ask myself "can i get this trip for free?" And then i book. Cc points are everywhere. Killing myself to find the perfect redemption is dumb imo
I completely agree!
If most of the transfer partners on the Venture X transfer 1:1, why not just book via the airline portal then use the “cover travel purchases” benefit? Same thing right?
You’re thinking isn’t incorrect but there’s a little bit more to it. The 1:1 transfer doesn’t necessarily directly translate to the value you’ll get from your points. For example, you may get a $500 flight covered with 50,000 points in the portal, but if you transfer those points out to an airline at a 1:1 rate instead who would only charge you 25k points for the same flight on their website instead, you just got double the value from your points by transferring out instead. Hopefully that makes sense!
@@SpencerJohnsonOfficial copy thank you!
First!!!
Dang that was close!! Good work man! 👑
Capital One will give you a credit if you book in the C1 Portal and find the price for less elsewhere. I think that is more valuable than 10x vs 5x. That could be worth hundreds of dollars. Best price guarantee.
That’s a good point! I know they’re already starting to nerf that but it can be a powerful tool. I know Amex does similar things too but I’m not as familiar with their matching process. Thanks for bringing that up man!
They recently nerfed it; C1 used to credit back your card and now they are giving you back in the portal and keeping your money until you spend it again.
Ya. That's changed and also maximum of $50 used with a future in portal booking.
@@billwright2176 thanks. I haven’t been following it too closely.
airtime!
Haha I'm glad someone liked it!
Maldives... overrated change my mind
You've changed up your past vids and have been killing imo. Keep it up!
Product change from CSP to CSR as you recommend is a miss imho. Most don't use the chase portal because it's bad, not to mention the poor customer service.
CPX is great if you qualify, but the Platinum Charles Swab is superior vs vanilla.
Keeping making more content, your killing it
I don’t disagree! Would I like to go one day? Yes… but if I never went I wouldn’t be too upset. Thank you for your insight and for the kind words man! I always really appreciate your comments.
@@SpencerJohnsonOfficial keep it up man!
You know I’ll do my best!
What is CPX?
@@docsays Capital One Venture X
What card is best for both domestic and international travel?!
It depends on your situation! To me, the Chase Sapphire Reserve is really underrated in that regard for a luxury travel credit card, but it all comes down to your preferences with travel partners, benefits, etc.
They shold make a 1k diamond card haha
MaxRewards is always asking to re-log in into my accounts. Do you have the same problem?
Yep that’ll happen because the banks require that on their end before they allow the linking to occur. I have my logins auto fill so it only takes a few second to log in each time. For the convenience that MaxRewards provides I think it’s well worth it!
First
That one was really close but CJ beat you to it barely! I still appreciate you being here nonetheless! 🥈
Tried to ask for recommendation between csp and csr but my reply got removed 😢
- AmEx Green or Venture X
The CSP is the safe bet between the two. You can always upgrade to the CSR down the line too. If all you want is the ability to transfer out to travel partners, get the CSP. But if you're looking for more luxury perks like lounge access and will be using their portal a ton, the CSR could make more sense.
@docsays I do consider venture x as my next travel card but probably would stick to Chase in a short term to get my Chase trifecta. I want to at least enable point transfer first 😄
@SpencerJohnsonOfficial Thanks for your helpful suggestion. You're right that I probably won't use their portal to book flights or hotel that often even though I do travel a few times per year. I still use Agoda or Priceline for better deals most of the time, and I don't care for lounge or priority pass (never been to one 😂)
@@iwantsmore9616 - you cant go wrong with the CSP. That is imo the best entry level travel card! The VX is very solid as well, as long as your ok doing business with Cap1.
Spencer in AMEX pop up jail 🏴☠️🏴☠️
Sad times man!
👍🏻
Thanks for being here as always!
@@SpencerJohnsonOfficial awesome video
I appreciate you!
I'm out of the game. Zero plans to return.
Don't hurt my heart here Jason.
@@SpencerJohnsonOfficial that's crazy
@@berryzedzero Lol!
Great breakdown Spencer! But you know for luxury Travel cards id put the Platnium, Aspire and then .. thats it 🤣🤣. The others are good travel cards though 😀
I really enjoyed this one 🫡
Haha to each their own!! I do love both of those cards though. Thanks for watching Sledge!
Max rewards doesn’t let me log into chase.
That happens sometimes. As I said, despite their bugs, they’re still by far my favorite app. Luckily I haven’t had issues with Chase in a few months but I know they’re working on some big things on the backend to fix that too.
Video was awesome Spencer! I’m team cashback but some of these cards 💳 are on my endgame list.
One thing I think a lot of people are going to realize (that I already did and it seems you are too) is that hotel 🏨 credit cards are where it’s at. I don’t have any right now because I hadn’t done my research until recently but I will definitely be adding Hilton Aspire and World of Hyatt. I also use IHG and love it so I will probably add that one as well.
P.S. Hilton Aspire is one of the best credit cards of all time.
Thank you so much Sterling! I agree with you though! Hotel cards are definitely a powerful tool that I look forward to using more in the future. And you aren't wrong about the Aspire either!