My Most Used Credit Cards Have Changed - New Tricks

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  • Опубликовано: 26 ноя 2024

Комментарии • 54

  • @RJFinancial
    @RJFinancial  2 месяца назад +3

    Change up your setup here - www.profitablecontent.com

    • @arey256
      @arey256 Месяц назад

      I haven’t been here for a min but it looks like you’ve been hitting the gym 💪🏽

  • @SpencerJohnsonOfficial
    @SpencerJohnsonOfficial 2 месяца назад +2

    Your cashback cards always make me want to start switching from team travel, but for now, gonna keep using those points and miles. Love the setup brotha! 👊🏼

    • @RJFinancial
      @RJFinancial  2 месяца назад +1

      Waldorf or Mel's Econo lodge... I see the points appeal sir

  • @Thecreditcardconnection
    @Thecreditcardconnection 2 месяца назад

    I love the way you showed us that things change in our lives and the way we use cards should also as well. Thank you for the transparency and for sharing!

  • @travelpointsfamily
    @travelpointsfamily 2 месяца назад +1

    Things change. Life changes. You need to change too - even your credit card setup. I made that same argument at the end of my last video, but you fleshed it out a lot better.

    • @RJFinancial
      @RJFinancial  2 месяца назад +1

      At least we aren't crazy, or will be crazy together

  • @jordan23ww
    @jordan23ww 2 месяца назад

    Great video! I always enjoy hearing what other credit card enthusiasts are using and which cards are in their collection! Thank you for sharing this with us!

  • @jimmyjames6492
    @jimmyjames6492 2 месяца назад +1

    Thanks for the info + video!

  • @jmsshannon
    @jmsshannon 2 месяца назад +2

    AAA daily also gives 3% back at warehouse. That’s better at Costco then Costco own card

    • @RJFinancial
      @RJFinancial  2 месяца назад

      Good point, us single people forget the value of warehouse stores

  • @ChaseYokoyama
    @ChaseYokoyama 2 месяца назад

    Im definitely trying get more cards in the capital one / citi ecosystem now

    • @RJFinancial
      @RJFinancial  2 месяца назад +1

      Good luck, they keep sending me pre-approvals but I know it's a trap for a denial again

  • @kcihtred2
    @kcihtred2 2 месяца назад +1

    honestly maxing out 5% categories doing ms makes it easier. if I was heavy organic give me a 2% and a good 3% card like savor or autograph. or just continue hitting subs.
    the problem becomes when you start getting coupon book fatigue.

    • @RJFinancial
      @RJFinancial  2 месяца назад

      Liquidating the visa reloads was becoming a pain. You can do it via cash app but figure it's only got a short run before they shut you down

    • @dylanlambdin6341
      @dylanlambdin6341 2 месяца назад

      @@RJFinancialhow do you do that with cashapp? I’ve been loading onto Discover debit. My Flex promo is about to expire and I’m trying to max out. Unfortunately the flavor of vanilla at my grocery store has ran out and the only ones I know for sure work, Sutton/Incomm, have another version with a lower fee. Might have to bite the bullet and see how it fares today on the remainder of grocery spend on the It.

  • @discountcodes
    @discountcodes 2 месяца назад

    Great video Ryan!

  • @98gmill
    @98gmill 2 месяца назад

    Great info RJ :)

  • @israelnieves2817
    @israelnieves2817 2 месяца назад

    I love my Citi Custom Cash! Great cash back card for my gas/ groceries.

    • @RJFinancial
      @RJFinancial  2 месяца назад +3

      The answer to the cash back game has become get more custom cash cards

    • @daw7773
      @daw7773 Месяц назад

      @@RJFinancialHow can one get “more” custom cash cards? I currently have one custom cash card.

  • @Mr.Hervey
    @Mr.Hervey 2 месяца назад +1

    I was thinking about getting the AAA card, I want your opinion?

    • @RJFinancial
      @RJFinancial  2 месяца назад +1

      It's an underrated card. I picked the grocery one. There's also one for gas at 5x. I think you can only have one.
      It's a low intro offer of $100 but it's worth it for a keeper. I've also read that it works at Walmart if you do self checkout. I say it's worth it for any cash back setup.
      ruclips.net/video/RSfnlq2wVqY/видео.html

    • @jmsshannon
      @jmsshannon 2 месяца назад +1

      No they won’t let you have both or product swipe, been trying for over a year to do that. The daily also gives better warehouse (Costco) bonus then the actual Costco card

  • @WhatsThePoints1
    @WhatsThePoints1 2 месяца назад

    Too bad the BofA biz CCR doesn’t include online shopping
    My next play will likely be Barclays biz Hawaiian now that the Alaska merger is complete and I was too nervous to transfer MR points during the Hawaiian bonus

    • @RJFinancial
      @RJFinancial  2 месяца назад

      BOA business cards are still good when the $500 offers come around. Aside from that, not much

  • @betruetoyourself7162
    @betruetoyourself7162 2 месяца назад +2

    Like your viewpoints. One thing on Wells Fargo especially. Please have your users use and abuse. They ripped me off so blatantly and there was no recourse, I still have a bitter taste in my mouth.
    Have your users never pay a dime in interest or penalties to them especially please

    • @RJFinancial
      @RJFinancial  2 месяца назад +2

      I churn them once a year. Been denying me for cards, so hopefully next year I can get back to it

    • @shawn.credit
      @shawn.credit 2 месяца назад

      @@RJFinancialThey are the worst I grab cards regularly elsewhere and WF always denies I’ve ran thousands through their checking and use them as my main bank and still denials what a joke haha!

  • @jogood42
    @jogood42 2 месяца назад +1

    Man that wallet is massive 👍🏾

  • @newagain9964
    @newagain9964 2 месяца назад +1

    Chase is the most overrated issuer. inks are the only thing that make me strategic about 5/24. As for Hyatt, overpriced and limited selection.
    USB really trying to win me over tho (if that smartly card/program isn’t nerfed). And I’m thinking of playing BofA premium rewards game in 2026. Hopefully they improve it be then.

    • @RJFinancial
      @RJFinancial  2 месяца назад +1

      Chase has become overrated. They have the best bonuses but as for keeper cards its meh pretty quick

  • @daw7773
    @daw7773 Месяц назад

    If Bank of America would have transfer partners they would be a credit card leader for current preferred customers who like to travel.

    • @RJFinancial
      @RJFinancial  Месяц назад +1

      BOA is weird, they kinda do their own thing. Adding partnered with increase transfer ratios based on preferred rewards status could be big

  • @jamesyu613
    @jamesyu613 2 месяца назад

    using different cards isn't my thing my WFAC is my catch all card and my dining card is my ccc and my 2nd ccc is my grocery card or my CFF for dining to get UR pts.

    • @RJFinancial
      @RJFinancial  2 месяца назад +1

      I'm a big fan of Wells these days. Journey is on my list as a keeper card

    • @jamesyu613
      @jamesyu613 2 месяца назад

      @@RJFinancial nice

  • @DugrozReports
    @DugrozReports 2 месяца назад +1

    You said that you rarely go to the grocery store. What do you do for food? Restaurants? Food delivery? Meal plans? Raise and eat your own chickens? 😂

    • @RJFinancial
      @RJFinancial  2 месяца назад +2

      I go once a week and only to one store. Feel like those family people out there go multiple times a week.

    • @arey256
      @arey256 Месяц назад

      I go once a month to several stores. It’s like an all day thing. It’s a pain but once done I don’t need to go anywhere for a month to two months. Usually if I do need to go in between that time it’s for vegetables and drinks nothing major

  • @Another_Bad_Creation
    @Another_Bad_Creation 2 месяца назад

    You are missing the Redstone signature VISA.

    • @RJFinancial
      @RJFinancial  2 месяца назад +2

      Isn't it geo locked now?