💲 Download MaxRewards: maxrewards.app.link/spencer (Code: SPENCER) If you want to know how I manage all 9 of my credit cards, watch this video next: ruclips.net/video/lgNMfry3mWg/видео.html How long have you been in the credit card game and how many cards have you accumulated so far? 👇🏼
@@SpencerJohnsonOfficialI started my credit journey 3 months after I turned 18 So June 2022 is when I start my credit journey I’m now going on 20 do you think I started my credit journey to early spencer
Nice recap on your credit card journey so far Spencer! I think your strategy up until now has been stellar with targeting all the major banks, plus diversifying between personal and business. And you’re just getting started!!
Thank you so much Stan! There's plenty more to come, but I'm glad to hear you've approved of my journey so far. There's so many ways to go about it, but I've tried to optimize it to my lifestyle as much as possible.
Super in-depth, fun video here Spencer! Love seeing how you've been able to diversify across Citi, Capital One, AMEX & Chase + adding business as well personal Cards to really maximize your rewards potential! I've been thinking more about putting personal expenses on business Cards so it was definitely reassuring hearing you talk about that- been putting pretty much all of my wedding spend on my Hilton Honors BIZ for the 15K spend to get the FNC. Great video!
Thanks so much Matt! I definitely try to optimize my setup for my personal goals and I'm glad you think I'm doin something right! 😆 That Hilton Honors Biz card is one I've strongly considered... more on that to come in next weeks video! Thanks for being here as always man!
So at the rip age of 24 I have finally started my credit card journey and actually got three last month alone. I know that they will be in my wallet for a long time so I’m not too bothered by the sudden drop of my credit score. I have a final slot before I am 5/24. So excited to see the rewards start coming in and getting up-to-date information you and other credit card youtubers out there! Much love.
That's awesome to hear Aaron! It sounds like you've started really strong, but I'd recommend you let that credit report rest a bit here and there to ensure you can get the cards you want while letting your others build solid credit history. I feel like you got that down though. Keep up the great work and thank you for your support!! It means a lot!
Hey man, this is some solid content. I’d like to offer some critique if you’re open to feedback. The videos are solid and you deliver them well, and I look forward to each of your videos- but i, as with many others, don’t know you. Maybe I may have missed it but we don’t know what you do, your hobbies, who you are as a person and I’m sure I’m not alone in wanting to have background knowledge that differentiates you from Seth Lucas, Mike Roks, and Dave Buck (fictional names). With this video we got some backstory, but im left wanting more. Thanks again for your content and humility. I truly appreciate it and look forward to watching your next videos.
Thank you so much! Definitely open to constructive criticism all the time. I'd recommend you check out my Q&A's I've posted to get to know me a bit better! I try to sprinkle that stuff in more frequently (and have started doing livestreams as well for this purpose), but it's sometimes difficult to work that stuff into a normal video. You should join the next livestream though! It'll be fairly soon! Thank you again for your support though. It means a lot!
Having travel perks on international trips changes the game! Just got done with a week long trip in Europe. Priority pass lounge access and hotel status really made the trip more enjoyable! Hopefully you find a good redemption when you decide to redeem all those points!
That's awesome to hear! I definitely need to get a good redemption going with these points and I'll be sure to film it when I do. Thanks for being here Jason!
Hi Spencer. I have been watching your videos for a while and I must say you have one of the most genuine approaches towards the credit card game. I just completed my chase trifecta today and will soon migrate to other banks for the same reason- groceries and gas.
Hi there! I really appreciate you saying that. That’s exactly what I want to do here. I’m just documenting my personal journey alongside y’all and that’s the goal! Congrats on completing your Chase trifecta and I’m excited to hear how the rest of your journey continues to go!
Great journey and cards Spencer! It’s great that you started the credit card game early! You will get so much out of it! As always great video and info! ✌️
I appreciate that Cesar! My setup is (and always will be) a work in progress, but I love this game so much that I wouldn't have it any other way! Thanks for your support as always! p.s. I mentioned you in the video going live this coming Sunday... I may need your correction of one of my statements in the comments lol 😂
Great video Spencer! My journey was similar, but started with the discover it my senior year of college in 2019. Maybe I’ll make a similar video down the line! Awesome video man!
I'd highly recommend you make a vid like this too! It's kinda nice to reminisce on your journey. The Discover it would have been a great start to my journey too btw!
@@SpencerJohnsonOfficial thanks for the reply and the suggestion! Usually the best teacher is someone a few steps ahead of yourself, and your success on RUclips is an example
Spencer this was so well done and the editing just superbe! It was really interesting to see the breakdown of your credit card journey so far. I remember I originally discovered your channel from your watch me apply BBP video. It encouraged me to finally go for that card and I was approved which I was super happy (and relieved) about. I’m excited to see your roadmap for the rest of 2023 and what you have planned for your channel.
That means a ton Jeffrey. I wanted this one to be really fun to watch so hopefully that was accomplished for at least some of the viewers! That's awesome to hear how you found my channel too. Be excited for my Sunday upload this week... more to come on what cards I have planned next!! Thanks again for your support man!
Thank you for cramming so much useful knowledge into one easy to understand video !! I’m a student who just graduated high school and already got approved for my very first card. Thank you for putting out useful information that helps people other than me no matter where they are on their journey !!!!
Thanks so much Doc!! I'm always happy to talk about my personal experience... that's what it's all about! And don't worry. More coming on that this Sunday!
Love the video Spence. So young yet you already have great foundations. Would love to see what your future holds in this journey. More Amex? Few other Chase? and Citi Premier like you said. Awesome start for sure!
What a journey! Absolutely fantastic cards that you’ve gotten - I want some of them for myself like the Amex Gold, Ink Cash, CSP, CFF, and BBP to name a few! Then on to the airline cards for SUBs! What’s the next card on your radar?
Thanks so much man!! My setup is a constant work in progress, but I have a good few that are on my radar. It's almost like you saw into my content calendar though... that's exactly what my video is about this coming Sunday lol. Get ready for that!!
You should also pair the Venture X with the SavorOne as your capital one cards to maximize your point earnings especially when traveling abroad since both cards don’t charge foreign transaction fees
I've definitely considered it! Of course, I'll have to wait 6 months since I got the VX to get the Savor One, but it's one I'm considering down the line for sure.
I just want to thank you for taking the time to offer the helpful advice and strategy. What is the brand or make of binder you keep your credit cards in? It looks pretty nice. I'm new to the credit card life so it's helpful to read and hear what you share with everyone. Kind thanks, Spencer!
Nice! I love seeing the journey shown in this format. I know you’ve mentioned you’re in AMEX pop up jail. I’d be interested to see some kind of video talking about your experience with it
I started building my credit card journey at 21.. I’m 24 now and my first card was the Target Store Credit card with 5% back on all Target shopping with a 300 limit but then I got Discover next with a starting limit of 2K which is now 8K from CLI’s
Great video, great information starting my daughter (18yrs) out on her credit card journey as well she is a student as well I will look at a video a few more times to and decide if Chase is her move but overall once again great content keep it coming and thanks for sharing.
Thanks so much Clausell! I've actually made a full video about the first 5 credit cards people should consider getting depending on what direction they want to take in the credit card game that may be helpful to you as well. Everyone's setup will be different but it's good to learn from each other for sure! Thanks so much for watching!!
Nice flow and pace to your video, it didn’t feel like a 25 minute video when I was watching it. Chase keeps upping my credit line with them. I started with the WoH at $9,400 and 4 months later they upped it to $18,600 (I think there was a bump in between to the 12-14k range). I just got my second card with Chase this past week, it was the CSP and they gave me a $21,900 credit line to start with. I had an 830+ credit score before I took out 3 cards last week.
That's actually a huge compliment. I was really trying to get this one to be one with a story line to it that made it easy to watch so thanks for saying that! And congrats on all the high limits! I guess they reward your really high income / spend which is good to see. Also, congrats on the new cards too!!
@@SpencerJohnsonOfficial it’s coming from someone who has ADHD and I usually can’t make it through a 12 minute video without fast forwarding. You did a really good job with the video. I think Chase kept upping my credit line because I put $15k of spend on my Hyatt card to hit the bonus of 60k points. I didn’t realize that the WoH Business Card only takes $6k of spend to get 60k points bonus. I did get the 60k points and the free night from the $15k of spend. Now I’ll keep the card from an annual free night for the $95 AF.
@@krs1905 That's great to hear man. Thanks again! And that makes a lot of sense. High spend = high credit limits! Let me know how you like the Hyatt business card! Considering that one has a $199 fee with no free night every year (without high spend) I haven't been able to justify it quite yet compared to the personal version.
If I knew then what I know now……..great job following a well thought out roadmap but I’m still waiting on some travel redemptions! J/k man keep up the good work
I wish I stared my credit card journey earlier as the potential benefits are insane. I was raised in a household where you have one main card and maybe another for back up (all pre Internet so I am dating myself a bit) I appreciate great content like this for pushing me.
Don't we all! It's definitely a fun game to play if you play it strategically and responsibly. I'm glad you find this type of content valuable though!! And thanks for the kind words!
Great video man. Thats venture x does seem nice but me and captal one are not exactly friends right now. In that bad bucket trying to get away from QS1. I am interested in the amex amazon but i think after getting the CSP i think im going to chill for a while unless i have to start traveling more in the coming months, in which ill either go platinum or aspire. Speaking of you are missing hilton business. Hmmmmm
Thank you so much! I don't blame you for not being a huge fan of Cap1. This is my first card with them and likely will be my last (other than the Savor One maybe). I like your plan though! And I'm highly considering the Hilton Business... I talk more about that in my video coming out this Sunday! 👀
@SpencerJohnsonOfficial I get a ton of value out of the hilton business. All its missing is grocery and right now is my dedicated fuel and postal card as well as fpr phone bills
@@woodzy883 That's great to hear you get so much value from the spending categories! For me, it would more be a card strictly for the bonus. I just wish it had a free night certificate every year at least... I'd probably apply for it rn if that was the case
Dang I'm sorry to hear that! Also, be sure to check if the PNC business card reports to your personal credit. It shouldn't, but it's always good to check. Let me know how those apps go!
Spencer you are fantastic. I made sure to use your code for my new Chase Sapphire Preferred. I am using this summer to get to the spending limit. I was wondering which would you recommend if I don’t have any chase cards except the preferred? The Freedom Flex or Freedom unlimited?
Thanks so much Miles, that means a lot man! And I really appreciate you using my link too. It helps me more than you know! Congrats on the new card too!! I'd personally recommend getting the CFU if you have no other catch-all card yet. Even just the CFU and CSP alone make a really powerful duo. The CFF is great for those rotating categories, but I'd get a catch-all card first.
I was able to get a bonus on the OG freedom and then again on the freedom flex a few years later. Got approved for the freedom flex in December..Didn’t realize they were cracking down on that. It worked for me 🤷🏻♂️
Nice! These days you can't apply for the OG Freedom so there's no way to get the bonus on it. But yes they're cracking down on you even being able to product change to it which is definitely unfortunate!
could you get a freedom flex and an OG freedom together? i've got the OG freedom but was wondering if the product change would be worth but seems like you don't prefer it. (currently have the trifecta, Sapphire preffered, freedom OG and unlimited. then the amazon prime rewards visa.
You can hold both the OG Chase Freedom and the Flex! I recommend keeping the OG Freedom as your product changed card so you leave your CFF and CFU slots open for a new bonus,
Why didn't you add the Amex Platinum in this video? Are you currently working on the sub or the pop up jail is in the way? Great cards by the way, Spencer!
I actually don't have the Amex Platinum! More to come on that in the next couple of weeks though... Got some fun stories about that one! Thanks for your support Thi!
Hi how are you ? May I know how old was your credit history when you approved for capital one venture X like how many years of credit history ? Also what was your total credit limit you have in your all all credit cards when you applied for this card ? Will appreciate your reply I got chase freedom with 3 K limit last month and then I got 3 days ago sapphire preferred with 7.5K limit approved so I have this 2 cards only with 10.5k total credit limit and credit history is of 1 year 8 months . I got 2 cards from chase in last 1 month and big best card my credit score is 720 with Experian and 680 with TransUnion So can I got for Amex gold now or I should wait ? I am looking to go first time to get in Amex gold Please share your experience Thanks brother
Hi there! Good questions! My oldest card at the time of me applying for the Venture X was 2.5 years. My total credit limit at that time can be calculated by adding up my previous ones which you can find through this video, but I'd guess it was around $20k for my personal cards alone, not counting my Amex Gold card since it's a charge card. For your situation, I would focus on using the cards you have now for 6-12 months before adding a bunch more... especially one with a high annual fee like the Amex Gold. Hopefully that helps a bit!
@@SpencerJohnsonOfficial thanks bro really appreciate it 1 quick question I have llc and it’s active from last 3 years it’s active and Verizon even financed me with 20K USD limit for credit purchasing devices on 36 month because of my business So I don’t have any business credit card yet Can I apply for any business credit card ? Which one is suitable for me as I don’t have any yet ? Also chase 5/24 Rule also applied to business credit cards ? And business credit card application make inquiry on personal credit report as hard inquiry or shown in our Perosnal credit report or it’s separate ? Let me know please I will really appreciate it Waiting for your reply Regards
Do you ever close cards? Or do you just make sure to put spend on them all at certain times to keep them active? I'm new to the credit card game. I only have chase freedom, but I just got approved for the venture X which was exciting.
So far I haven't had to close any cards yet but I'm not opposed to doing so in the future. I'll always try to keep my oldest few cards open though with small charges here and there. Congrats on your VX approval!!
Thank you! As of right now, I just use the Venture X. The Savor One is a nice addition to it if you don’t have those categories covered already, but it’s less useful to me at this point.
No not at all! You can get approved for multiple in the same day if you really wanted to but I wouldn't advise it. I've made a full video about how often I recommend applying if you're curious.
MaxRewards is a great app, but can be a bit frustrating with the card account connectors, they have been having trouble with Chase, AMEX & Citi. Personally I have had to reset my Chase password 3-4 times in a day due to MaxRewards not connecting correctly... AGAIN, I do love the app when it works correctly and it's significantly better than any of the other similar apps out there, but it does have some issues. They are working on it though, so that's good and I continue to use it myself.
Yeah I completely get where you're coming from. Luckily since I have contacts with them I can always get information to them from the community and I've been on them about connections and random crashes lately and they've assured me they're working on big changes. Like you said though, I think it's the best app of it's kind so I deal with the bugs here and there.
Sure thing! Here's a link: spencerjohnsonofficial.com/cardmanager Once you click that, you have to click "Make a Copy" to download it to your Google Drive. I hope that helps!
How do you transfer points from the Chase Ink card to your CSP? I have transferred points on the personal side and that is easy. Just opened a Chase sole prop checking account and letting that age before applying for an Ink card. I have a separate login for the business checking, and assuming the Ink card would be under the business login. How do you transfer from the business side to the personal CSP? Thanks!
You're able to transfer the points in exactly the same way you do the personal cards. You just have to link your business and personal accounts together by calling them (or finding that option online) and then they should all populate in your business account.
I made the mistake with a Citi card opened back in 2000 in May at age 20 also. It closed in 2015 due to inactivity. That was my mistake. Never doing that again. My oldest card now is the Chase Freedom Unlimited while having a checking account with Chase.
Dang that sucks that it closed for inactivity but it's a learning lesson if anything! Having the CFU as your oldest card now definitely isn't a bad thing either though.
- ya i did something similar. I opened a citi thank you preferred card in the early 2000s. I had a $13k limit on it. But like a dummy i closed it because I thought the interest rate was too high! 🤦🏻♂️ Obviously I was pretty ignorant about credit back then 😆
@@docsays Like I said, mine was forgetting it was open, forgetting to put a small charge like a pack of gum to keep it open and pay it off immediately or through auto pay. Lesson learned. Now my oldest card is the freedom unlimited at age 41 opened 2 years ago on June 22, 2021. Never repeating that again. Putting a small charge, then pay it off along with the added protection of auto pay is your best friends.
Great Video man. Before one of your videos popped up on my RUclips I had only had an Apple Card for the past few years as the only credit card I’ve ever had. With that being said you made me realize how much I was missing out on so I applied for the Chase Sapphire Preferred for my first card and because of the 80k offer they had going on. What should be the next card I go after once I get the 80k points? Is it worth getting the chase freedom flex or freedom unlimited still?
Thanks so much Tim! That’s awesome to hear my videos have had a positive impact on you. Congrats on the new CSP man! I’d say the Chase Freedom Unlimited still make a lot of sense if you don’t have a catch-all card yet. That duo with the CSP is super powerful and it’ll serve you well as a card you can use anytime the CSP isn’t earning in an elevated category. That’s just my initial thoughts on the matter!
Citi is definitely inquiry sensitive on their credit cards. I applied for the custom cash two times and got rejected lol. But i have other better cards. Still want it so im waiting for about 6 months to a year to finally get it
I’ve found that to be true as well! I was lucky to get instantly approved when I applied for it but that’s definitely not the case for everyone. Thanks again for sharing your experience!!
I also have the chase student currently. I want the Freedom Flex next - should I product change to the Flex or should I apply fresh to the Flex? If I product change, do I still get a welcome bonus to the Flex? If I product change, do I still only have one card under 5/24 or is it 2 now?
You won’t be eligible for the Bonus offer if you do a product change. You can ask the bank if they’ll make an exception but usually it’s no. Product changes are not counted as a brand new card so you’ll still only have 1 credit card. It’s up to you to decide if you want the bonus or not.
I currently have a checking and credit card account with BOA. If I wanted to get the chase trifecta, would I also have to create a checking account with chase?
Good question! You can get cards with any bank without having to have their bank accounts. Some smaller banks (like credit unions) may require that, but most of the big banks do not require that at all.
You can connect any card to any bank account in my experience. All of my cards are paid off through my Chase account even though I have cards from 4 banks.
@@kevinyang3006 Yeah for sure! I'm not sure if a full video would be super necessary on just that feature, but I could definitely mention it in one I have planned to make soon. It's really just as simple as linking the bank account to your card and that's it! Once you do it you'll realize it's nothing to stress about at all.
Personally I get the most value from Hyatt, but Hilton and Marriott are both very viable options too! Especially if you're wanting to devote some loyalty to one ecosystem over the other... it all depends on your travel habits really!
@@SpencerJohnsonOfficial I’m just founding out it’s not really the best idea using a regular credit card to book a hotel… having to sacrifice bonus multiplier with hotel status…
It's pretty solid if you're on team cash back as a catch all credit card for Apple Pay purchases! If you prefer to earn travel miles and rewards then you'd obviously want to take a different approach, but I wouldn't say it's a bad card or anything.
They use proprietary connectors to safeguard your information (similar to Plaid), but you can always reach out to them if you have concerns! They haven't had any big data breach to my knowledge, and my cards have always been safe personally.
In the past I usually do this depending on the SUB I'm spending towards. My natural spend has gotten higher over time which helps with bonuses, but if I need that extra boost then I switch some of my subscriptions to my new cards to help.
When I hit 100 cards, it was hard to look my wife and children in the eyes…knowing I’d just keep applying. Keep getting deeper into the game. Happy to say I’ve been out of the game for 62 years now. Can’t say the nightmares have stopped.
💲 Download MaxRewards: maxrewards.app.link/spencer (Code: SPENCER)
If you want to know how I manage all 9 of my credit cards, watch this video next: ruclips.net/video/lgNMfry3mWg/видео.html
How long have you been in the credit card game and how many cards have you accumulated so far? 👇🏼
Spencer. Planning a visit to Austin. Which Hilton hotel do you recommend?
This guy is even better in these videos than he was in the Hunger Games movies.
😂😂😂
Great video! Also 23 years old and started applying at the end of college, so useful to see how other people are doing on their journey
Thanks Ethan! You're starting earlier than a lot of folks so I'm glad to hear it!
stay away from credit cards
@@SpencerJohnsonOfficialI started my credit journey 3 months after I turned 18 So June 2022 is when I start my credit journey I’m now going on 20 do you think I started my credit journey to early spencer
Nice recap on your credit card journey so far Spencer! I think your strategy up until now has been stellar with targeting all the major banks, plus diversifying between personal and business. And you’re just getting started!!
Thank you so much Stan! There's plenty more to come, but I'm glad to hear you've approved of my journey so far. There's so many ways to go about it, but I've tried to optimize it to my lifestyle as much as possible.
Super in-depth, fun video here Spencer! Love seeing how you've been able to diversify across Citi, Capital One, AMEX & Chase + adding business as well personal Cards to really maximize your rewards potential! I've been thinking more about putting personal expenses on business Cards so it was definitely reassuring hearing you talk about that- been putting pretty much all of my wedding spend on my Hilton Honors BIZ for the 15K spend to get the FNC. Great video!
Thanks so much Matt! I definitely try to optimize my setup for my personal goals and I'm glad you think I'm doin something right! 😆 That Hilton Honors Biz card is one I've strongly considered... more on that to come in next weeks video! Thanks for being here as always man!
So at the rip age of 24 I have finally started my credit card journey and actually got three last month alone. I know that they will be in my wallet for a long time so I’m not too bothered by the sudden drop of my credit score. I have a final slot before I am 5/24. So excited to see the rewards start coming in and getting up-to-date information you and other credit card youtubers out there! Much love.
That's awesome to hear Aaron! It sounds like you've started really strong, but I'd recommend you let that credit report rest a bit here and there to ensure you can get the cards you want while letting your others build solid credit history. I feel like you got that down though. Keep up the great work and thank you for your support!! It means a lot!
@@SpencerJohnsonOfficial Yes sir! Your videos have inspired me to really focus on the benefits of credits and just general financial aspects.
I'm really glad to hear it. This is one of those passions of mine that has really stuck so I love to share my thought processes with others.
Phenomenal breakdown. Well done. One of the best I’ve seen.
Thank you so much AJ! That means a ton!
Can’t wait to see what the future holds , especially as life circumstances change! It’ll be interesting to look back at this in 5,10 years!
That's a great point! This will be a cool one to come back to for sure.
Hey man, this is some solid content. I’d like to offer some critique if you’re open to feedback. The videos are solid and you deliver them well, and I look forward to each of your videos- but i, as with many others, don’t know you. Maybe I may have missed it but we don’t know what you do, your hobbies, who you are as a person and I’m sure I’m not alone in wanting to have background knowledge that differentiates you from Seth Lucas, Mike Roks, and Dave Buck (fictional names). With this video we got some
backstory, but im left wanting more. Thanks again for your content and humility. I truly appreciate it and look forward to watching your next videos.
Thank you so much! Definitely open to constructive criticism all the time. I'd recommend you check out my Q&A's I've posted to get to know me a bit better! I try to sprinkle that stuff in more frequently (and have started doing livestreams as well for this purpose), but it's sometimes difficult to work that stuff into a normal video. You should join the next livestream though! It'll be fairly soon! Thank you again for your support though. It means a lot!
legend! love this as always
Thank you so much Brenley! That means a lot!
Having travel perks on international trips changes the game! Just got done with a week long trip in Europe. Priority pass lounge access and hotel status really made the trip more enjoyable! Hopefully you find a good redemption when you decide to redeem all those points!
That's awesome to hear! I definitely need to get a good redemption going with these points and I'll be sure to film it when I do. Thanks for being here Jason!
Hi Spencer. I have been watching your videos for a while and I must say you have one of the most genuine approaches towards the credit card game. I just completed my chase trifecta today and will soon migrate to other banks for the same reason- groceries and gas.
Hi there! I really appreciate you saying that. That’s exactly what I want to do here. I’m just documenting my personal journey alongside y’all and that’s the goal! Congrats on completing your Chase trifecta and I’m excited to hear how the rest of your journey continues to go!
Great journey and cards Spencer! It’s great that you started the credit card game early! You will get so much out of it! As always great video and info! ✌️
I appreciate that Cesar! My setup is (and always will be) a work in progress, but I love this game so much that I wouldn't have it any other way! Thanks for your support as always! p.s. I mentioned you in the video going live this coming Sunday... I may need your correction of one of my statements in the comments lol 😂
@@SpencerJohnsonOfficial will check it for sure! 🤣
Great video Spencer! My journey was similar, but started with the discover it my senior year of college in 2019. Maybe I’ll make a similar video down the line! Awesome video man!
I'd highly recommend you make a vid like this too! It's kinda nice to reminisce on your journey. The Discover it would have been a great start to my journey too btw!
@@SpencerJohnsonOfficial thanks for the reply and the suggestion! Usually the best teacher is someone a few steps ahead of yourself, and your success on RUclips is an example
@@JakeSpradlin2 I agree with you for sure! Not a problem at all man. I'm always happy to help where I can!
Spencer this was so well done and the editing just superbe! It was really interesting to see the breakdown of your credit card journey so far. I remember I originally discovered your channel from your watch me apply BBP video. It encouraged me to finally go for that card and I was approved which I was super happy (and relieved) about. I’m excited to see your roadmap for the rest of 2023 and what you have planned for your channel.
That means a ton Jeffrey. I wanted this one to be really fun to watch so hopefully that was accomplished for at least some of the viewers! That's awesome to hear how you found my channel too. Be excited for my Sunday upload this week... more to come on what cards I have planned next!! Thanks again for your support man!
Great video Spencer. I remember when you were all about Chase. Great Journey 🫡
Thanks Sledge! It's all about documenting my journey and Chase was a big part of my early stages for sure!
Thanks for the info + sharing your CC journey!
Of course man! Thanks for being here as always!!
Thank you for cramming so much useful knowledge into one easy to understand video !! I’m a student who just graduated high school and already got approved for my very first card. Thank you for putting out useful information that helps people other than me no matter where they are on their journey !!!!
I'm really glad you found value in this! Thank you so much for the support!
26 here 4 cc. Im getting one every year. So far my favorites is chase freedom flex and amex blue cash everyday
Nice man! Those are both really solid cards for sure!
Great credit card journey. Thanks for sharing your story with details.
We definitely need a video of your next targets this year!
Thanks so much Doc!! I'm always happy to talk about my personal experience... that's what it's all about! And don't worry. More coming on that this Sunday!
Love the video Spence. So young yet you already have great foundations. Would love to see what your future holds in this journey. More Amex? Few other Chase? and Citi Premier like you said. Awesome start for sure!
I love your credit card journey and the setup you have. Thanks for sharing and definitely interested in seeing what future cards you have planned..
That means a lot Mike! I'm really glad you enjoyed it and I'm excited to share my updated credit card roadmap this week!
What a journey! Absolutely fantastic cards that you’ve gotten - I want some of them for myself like the Amex Gold, Ink Cash, CSP, CFF, and BBP to name a few! Then on to the airline cards for SUBs!
What’s the next card on your radar?
Thanks so much man!! My setup is a constant work in progress, but I have a good few that are on my radar. It's almost like you saw into my content calendar though... that's exactly what my video is about this coming Sunday lol. Get ready for that!!
That Custom Cash card is such a great gas card. ⛽ I think I might dip into Citi after chasing the Amex Marriott Brilliant.
Absolutely man! It's a set it and forget it card for me, that's for sure.
Great podcast!! it was the soundtrack to my Sunday gym session!
I appreciate you listening in Bob! And nice job getting a weekend workout in.. I need to get back on it this week!
loved the thorough explanation of everything. thank you!
I'm really happy you enjoyed it! Thanks so much for watching.
You should also pair the Venture X with the SavorOne as your capital one cards to maximize your point earnings especially when traveling abroad since both cards don’t charge foreign transaction fees
I've definitely considered it! Of course, I'll have to wait 6 months since I got the VX to get the Savor One, but it's one I'm considering down the line for sure.
I just want to thank you for taking the time to offer the helpful advice and strategy. What is the brand or make of binder you keep your credit cards in? It looks pretty nice. I'm new to the credit card life so it's helpful to read and hear what you share with everyone. Kind thanks, Spencer!
Nice! I love seeing the journey shown in this format. I know you’ve mentioned you’re in AMEX pop up jail. I’d be interested to see some kind of video talking about your experience with it
Thanks Jacob! I'm planning on covering that in a mid-week video here in the next 3 weeks or so, don't worry!
Got my first card less than a month after I turned 18, currently 20 and have 7 cards, nearly 40k total lines and a 760 score.
I started building my credit card journey at 21.. I’m 24 now and my first card was the Target Store Credit card with 5% back on all Target shopping with a 300 limit but then I got Discover next with a starting limit of 2K which is now 8K from CLI’s
It looks like you made good strides! Keep up the great work man!
Great video, great information starting my daughter (18yrs) out on her credit card journey as well she is a student as well I will look at a video a few more times to and decide if Chase is her move but overall once again great content keep it coming and thanks for sharing.
Thanks so much Clausell! I've actually made a full video about the first 5 credit cards people should consider getting depending on what direction they want to take in the credit card game that may be helpful to you as well. Everyone's setup will be different but it's good to learn from each other for sure! Thanks so much for watching!!
I messed up with tons of late payments when I was 18-21. It took me until now (28) to rebuild up to a 750. Be careful young ones!
Definitely important to be careful!
Nice video Spencer! Would be great to hear more about how you redeemed your points for free travel! Love hearing about your card choices.
Thanks so much Ethan! More on that to come for sure.
Nice flow and pace to your video, it didn’t feel like a 25 minute video when I was watching it.
Chase keeps upping my credit line with them. I started with the WoH at $9,400 and 4 months later they upped it to $18,600 (I think there was a bump in between to the 12-14k range).
I just got my second card with Chase this past week, it was the CSP and they gave me a $21,900 credit line to start with.
I had an 830+ credit score before I took out 3 cards last week.
That's actually a huge compliment. I was really trying to get this one to be one with a story line to it that made it easy to watch so thanks for saying that! And congrats on all the high limits! I guess they reward your really high income / spend which is good to see. Also, congrats on the new cards too!!
@@SpencerJohnsonOfficial it’s coming from someone who has ADHD and I usually can’t make it through a 12 minute video without fast forwarding. You did a really good job with the video.
I think Chase kept upping my credit line because I put $15k of spend on my Hyatt card to hit the bonus of 60k points. I didn’t realize that the WoH Business Card only takes $6k of spend to get 60k points bonus. I did get the 60k points and the free night from the $15k of spend. Now I’ll keep the card from an annual free night for the $95 AF.
@@krs1905 That's great to hear man. Thanks again! And that makes a lot of sense. High spend = high credit limits! Let me know how you like the Hyatt business card! Considering that one has a $199 fee with no free night every year (without high spend) I haven't been able to justify it quite yet compared to the personal version.
Great credit card journey! Always curious to see what other people’s credit card journey is and how many cards they have as well.
Thanks so much! I always find enjoyment in that too so I'm happy to share it with y'all.
If I knew then what I know now……..great job following a well thought out roadmap but I’m still waiting on some travel redemptions! J/k man keep up the good work
Haha I feel you! Definitely have some redemptions coming up soon that I'll be sharing. Don't worry! Thanks for your support as always man!
I wish I stared my credit card journey earlier as the potential benefits are insane. I was raised in a household where you have one main card and maybe another for back up (all pre Internet so I am dating myself a bit) I appreciate great content like this for pushing me.
Don't we all! It's definitely a fun game to play if you play it strategically and responsibly. I'm glad you find this type of content valuable though!! And thanks for the kind words!
Great video man. Thats venture x does seem nice but me and captal one are not exactly friends right now. In that bad bucket trying to get away from QS1. I am interested in the amex amazon but i think after getting the CSP i think im going to chill for a while unless i have to start traveling more in the coming months, in which ill either go platinum or aspire. Speaking of you are missing hilton business. Hmmmmm
Thank you so much! I don't blame you for not being a huge fan of Cap1. This is my first card with them and likely will be my last (other than the Savor One maybe). I like your plan though! And I'm highly considering the Hilton Business... I talk more about that in my video coming out this Sunday! 👀
@SpencerJohnsonOfficial I get a ton of value out of the hilton business. All its missing is grocery and right now is my dedicated fuel and postal card as well as fpr phone bills
@@woodzy883 That's great to hear you get so much value from the spending categories! For me, it would more be a card strictly for the bonus. I just wish it had a free night certificate every year at least... I'd probably apply for it rn if that was the case
As a 22 year old with 7 cards and using the Chase Trifecta, you have my full support lol
Haha I love it! It sounds like we have very similar setups then.
You should apply for amex platinum, Apple Card, and Chase Sapphire Reserve
I just got denied for the CSP due to limited experience with Chase and short credit history (
Dang I'm sorry to hear that! Also, be sure to check if the PNC business card reports to your personal credit. It shouldn't, but it's always good to check. Let me know how those apps go!
Keep it up bro!
You know I will!
Great video!
Thank you so much!
Spencer you are fantastic. I made sure to use your code for my new Chase Sapphire Preferred. I am using this summer to get to the spending limit. I was wondering which would you recommend if I don’t have any chase cards except the preferred? The Freedom Flex or Freedom unlimited?
Thanks so much Miles, that means a lot man! And I really appreciate you using my link too. It helps me more than you know! Congrats on the new card too!! I'd personally recommend getting the CFU if you have no other catch-all card yet. Even just the CFU and CSP alone make a really powerful duo. The CFF is great for those rotating categories, but I'd get a catch-all card first.
How do you keep what each cc does 😅. I need an organization video 😂
I was able to get a bonus on the OG freedom and then again on the freedom flex a few years later. Got approved for the freedom flex in December..Didn’t realize they were cracking down on that. It worked for me 🤷🏻♂️
Nice! These days you can't apply for the OG Freedom so there's no way to get the bonus on it. But yes they're cracking down on you even being able to product change to it which is definitely unfortunate!
- same grabbed a sub for both the OG Freedom & Flex. 👍🏽
could you get a freedom flex and an OG freedom together? i've got the OG freedom but was wondering if the product change would be worth but seems like you don't prefer it. (currently have the trifecta, Sapphire preffered, freedom OG and unlimited. then the amazon prime rewards visa.
You can hold both the OG Chase Freedom and the Flex! I recommend keeping the OG Freedom as your product changed card so you leave your CFF and CFU slots open for a new bonus,
Why didn't you add the Amex Platinum in this video? Are you currently working on the sub or the pop up jail is in the way? Great cards by the way, Spencer!
I actually don't have the Amex Platinum! More to come on that in the next couple of weeks though... Got some fun stories about that one! Thanks for your support Thi!
Love getting those business cards to stay under 5/24 and keep me from getting too antsy about getting another chase card!
Business cards are what keep my collector mentality satisfied, that's for sure lol.
Damm that blue business plus seems good
It's a really solid business catch-all card, that's for sure.
Hi how are you ? May I know how old was your credit history when you approved for capital one venture X like how many years of credit history
?
Also what was your total credit limit you have in your all all credit cards when you applied for this card ?
Will appreciate your reply
I got chase freedom with 3 K limit last month and then I got 3 days ago sapphire preferred with 7.5K limit approved so I have this 2 cards only with 10.5k total credit limit and credit history is of 1 year 8 months .
I got 2 cards from chase in last 1 month and big best card my credit score is 720 with Experian and 680 with TransUnion
So can I got for Amex gold now or I should wait ? I am looking to go first time to get in Amex gold
Please share your experience
Thanks brother
Will Appreciate your response.
Hi there! Good questions! My oldest card at the time of me applying for the Venture X was 2.5 years. My total credit limit at that time can be calculated by adding up my previous ones which you can find through this video, but I'd guess it was around $20k for my personal cards alone, not counting my Amex Gold card since it's a charge card. For your situation, I would focus on using the cards you have now for 6-12 months before adding a bunch more... especially one with a high annual fee like the Amex Gold. Hopefully that helps a bit!
@@SpencerJohnsonOfficial thanks bro really appreciate it 1 quick question I have llc and it’s active from last 3 years it’s active and Verizon even financed me with 20K USD limit for credit purchasing devices on 36 month because of my business
So I don’t have any business credit card yet
Can I apply for any business credit card ? Which one is suitable for me as I don’t have any yet ? Also chase 5/24 Rule also applied to business credit cards ? And business credit card application make inquiry on personal credit report as hard inquiry or shown in our Perosnal credit report or it’s separate ?
Let me know please I will really appreciate it
Waiting for your reply
Regards
Do you ever close cards? Or do you just make sure to put spend on them all at certain times to keep them active? I'm new to the credit card game. I only have chase freedom, but I just got approved for the venture X which was exciting.
So far I haven't had to close any cards yet but I'm not opposed to doing so in the future. I'll always try to keep my oldest few cards open though with small charges here and there. Congrats on your VX approval!!
love the video! are you using a supplementary capital 1 credit card to build up points with them? or just the venture x?
Thank you! As of right now, I just use the Venture X. The Savor One is a nice addition to it if you don’t have those categories covered already, but it’s less useful to me at this point.
I thought you had to wait at least 6 months to get approved for a new card. Well I'm going to start applying for new ones every 2-3 months now.
No not at all! You can get approved for multiple in the same day if you really wanted to but I wouldn't advise it. I've made a full video about how often I recommend applying if you're curious.
MaxRewards is a great app, but can be a bit frustrating with the card account connectors, they have been having trouble with Chase, AMEX & Citi. Personally I have had to reset my Chase password 3-4 times in a day due to MaxRewards not connecting correctly... AGAIN, I do love the app when it works correctly and it's significantly better than any of the other similar apps out there, but it does have some issues. They are working on it though, so that's good and I continue to use it myself.
Yeah I completely get where you're coming from. Luckily since I have contacts with them I can always get information to them from the community and I've been on them about connections and random crashes lately and they've assured me they're working on big changes. Like you said though, I think it's the best app of it's kind so I deal with the bugs here and there.
Spencer, I have tried to open your spreadsheet, but it doesn't seem to available. Can you give me a link to your spreadsheet?
Sure thing! Here's a link: spencerjohnsonofficial.com/cardmanager
Once you click that, you have to click "Make a Copy" to download it to your Google Drive. I hope that helps!
@@SpencerJohnsonOfficial Could I please get it in Excel as I do not use Google Docs?
@@marilynbetkis2021 Ah yes I do not have a link direct to Excel. You can open it in Google Sheets and export as an Excel file though!!
How do you transfer points from the Chase Ink card to your CSP?
I have transferred points on the personal side and that is easy. Just opened a Chase sole prop checking account and letting that age before applying for an Ink card. I have a separate login for the business checking, and assuming the Ink card would be under the business login. How do you transfer from the business side to the personal CSP? Thanks!
You're able to transfer the points in exactly the same way you do the personal cards. You just have to link your business and personal accounts together by calling them (or finding that option online) and then they should all populate in your business account.
I made the mistake with a Citi card opened back in 2000 in May at age 20 also. It closed in 2015 due to inactivity. That was my mistake. Never doing that again. My oldest card now is the Chase Freedom Unlimited while having a checking account with Chase.
Dang that sucks that it closed for inactivity but it's a learning lesson if anything! Having the CFU as your oldest card now definitely isn't a bad thing either though.
- ya i did something similar. I opened a citi thank you preferred card in the early 2000s. I had a $13k limit on it. But like a dummy i closed it because I thought the interest rate was too high! 🤦🏻♂️
Obviously I was pretty ignorant about credit back then 😆
@@docsays Like I said, mine was forgetting it was open, forgetting to put a small charge like a pack of gum to keep it open and pay it off immediately or through auto pay. Lesson learned. Now my oldest card is the freedom unlimited at age 41 opened 2 years ago on June 22, 2021. Never repeating that again. Putting a small charge, then pay it off along with the added protection of auto pay is your best friends.
Great Video man. Before one of your videos popped up on my RUclips I had only had an Apple Card for the past few years as the only credit card I’ve ever had. With that being said you made me realize how much I was missing out on so I applied for the Chase Sapphire Preferred for my first card and because of the 80k offer they had going on. What should be the next card I go after once I get the 80k points? Is it worth getting the chase freedom flex or freedom unlimited still?
Thanks so much Tim! That’s awesome to hear my videos have had a positive impact on you. Congrats on the new CSP man! I’d say the Chase Freedom Unlimited still make a lot of sense if you don’t have a catch-all card yet. That duo with the CSP is super powerful and it’ll serve you well as a card you can use anytime the CSP isn’t earning in an elevated category. That’s just my initial thoughts on the matter!
Good progress😂
I appreciate you!
Citi is definitely inquiry sensitive on their credit cards. I applied for the custom cash two times and got rejected lol. But i have other better cards. Still want it so im waiting for about 6 months to a year to finally get it
I’ve found that to be true as well! I was lucky to get instantly approved when I applied for it but that’s definitely not the case for everyone. Thanks again for sharing your experience!!
I also have the chase student currently. I want the Freedom Flex next - should I product change to the Flex or should I apply fresh to the Flex? If I product change, do I still get a welcome bonus to the Flex? If I product change, do I still only have one card under 5/24 or is it 2 now?
You won’t be eligible for the Bonus offer if you do a product change. You can ask the bank if they’ll make an exception but usually it’s no. Product changes are not counted as a brand new card so you’ll still only have 1 credit card. It’s up to you to decide if you want the bonus or not.
I got the Chase Freedom Unlimited yesterday with a credit line of $18,500 .. sick!! isn't it?
Dang that's huge!! Congrats Omar!
This man said......if you offer a credit card, I WILL have it!! Haha
You know it my man!!
I currently have a checking and credit card account with BOA. If I wanted to get the chase trifecta, would I also have to create a checking account with chase?
Good question! You can get cards with any bank without having to have their bank accounts. Some smaller banks (like credit unions) may require that, but most of the big banks do not require that at all.
@@SpencerJohnsonOfficial in that case, how would I pay off my credit card?
You can connect any card to any bank account in my experience. All of my cards are paid off through my Chase account even though I have cards from 4 banks.
@@SpencerJohnsonOfficial Oh wow I did not know that. Thank you so much! If you could make a video on how that works, I would greatly appreciate it.
@@kevinyang3006 Yeah for sure! I'm not sure if a full video would be super necessary on just that feature, but I could definitely mention it in one I have planned to make soon. It's really just as simple as linking the bank account to your card and that's it! Once you do it you'll realize it's nothing to stress about at all.
What hotel brand do you, or would you value the most as far as the credit cards??? I’m really looking into the Marriott Bonvoy Brilliant…
Personally I get the most value from Hyatt, but Hilton and Marriott are both very viable options too! Especially if you're wanting to devote some loyalty to one ecosystem over the other... it all depends on your travel habits really!
@@SpencerJohnsonOfficial I’m just founding out it’s not really the best idea using a regular credit card to book a hotel… having to sacrifice bonus multiplier with hotel status…
@@IkeVoorhies That's fair! Hotel cards are definitely powerful if you stay at them frequently.
Nice I have 8 at 22
What are your thoughts about the Apple Card? I love using it with Apple Pay!
It's pretty solid if you're on team cash back as a catch all credit card for Apple Pay purchases! If you prefer to earn travel miles and rewards then you'd obviously want to take a different approach, but I wouldn't say it's a bad card or anything.
Yes sir! 👍
Thanks for being here!!
What are the security features around maxrewards? Like what are the chances they get hacked and your credit card information is stolen?
They use proprietary connectors to safeguard your information (similar to Plaid), but you can always reach out to them if you have concerns! They haven't had any big data breach to my knowledge, and my cards have always been safe personally.
Out of curiosity when you are going for a signup bonus, do you temporarily move all you're spending to whatever the new card is?
In the past I usually do this depending on the SUB I'm spending towards. My natural spend has gotten higher over time which helps with bonuses, but if I need that extra boost then I switch some of my subscriptions to my new cards to help.
Let’s go
Thanks for being here!
almost first!
I appreciate you being here so early!
👍🏻
Thanks for being here so early! 👑
When I hit 100 cards, it was hard to look my wife and children in the eyes…knowing I’d just keep applying. Keep getting deeper into the game. Happy to say I’ve been out of the game for 62 years now. Can’t say the nightmares have stopped.
Hahaha this one was good. Hats off to ya
@@SpencerJohnsonOfficial i Aint playin
Third 🤬
Womp womp
Awesome breakdown of your journey. So young but wise content you release. Hope to meet you in Vegas in September 😎. Keep the content coming
Haha so close yet so far 🥉 I appreciate you as always though!!
Thank you so much Ed! That really means a lot. I'll be there in Vegas so I hope to see you too!
@@TheCreditFrog 🤣🤣🤣
You look 38
Thank you I guess? 🤣