Shuffling cards is fun until it’s not. I used over 20 credit cards at one point, but I now use a 2% Fidelity card and a 4% gas/groceries/dining Verizon card. No fees, no limits, no thinking about it
Feel like that’s where I’m headed. I ran and am still running the full gambit. Cash back/travel/business/personal. Got almost every bank covered over about a 10 yr stretch. To think of just running two or three cards and not “stressing” about how I’ll use the other 10 I have, makes me feel born again lol!
Fidelity is a no brainer, if u already do biz with them. But there are as good and better options also. To complement that/any 2-3 card setup throw in usbar. At some point you’ll need to book a car or hotel. Nice and easy 1.5 Cpp redeem
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! 👊🏼
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
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!
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
@@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!
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.
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.
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!
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.
@@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.
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
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
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
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.
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Change up your setup here - www.profitablecontent.com
I haven’t been here for a min but it looks like you’ve been hitting the gym 💪🏽
Shuffling cards is fun until it’s not. I used over 20 credit cards at one point, but I now use a 2% Fidelity card and a 4% gas/groceries/dining Verizon card. No fees, no limits, no thinking about it
I look at it like going to work, not awesome but money. So I endure
Feel like that’s where I’m headed. I ran and am still running the full gambit. Cash back/travel/business/personal. Got almost every bank covered over about a 10 yr stretch. To think of just running two or three cards and not “stressing” about how I’ll use the other 10 I have, makes me feel born again lol!
Fidelity is a no brainer, if u already do biz with them. But there are as good and better options also.
To complement that/any 2-3 card setup throw in usbar. At some point you’ll need to book a car or hotel. Nice and easy 1.5 Cpp redeem
that verizon card is really nice. Too bad u only get the verizon points and not actual cash back
If Bank of America would have transfer partners they would be a credit card leader for current preferred customers who like to travel.
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! 👊🏼
Waldorf or Mel's Econo lodge... I see the points appeal sir
AAA daily also gives 3% back at warehouse. That’s better at Costco then Costco own card
Good point, us single people forget the value of warehouse stores
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? 😂
I go once a week and only to one store. Feel like those family people out there go multiple times a week.
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
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!
Im definitely trying get more cards in the capital one / citi ecosystem now
Good luck, they keep sending me pre-approvals but I know it's a trap for a denial again
Thanks for the info + video!
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
I churn them once a year. Been denying me for cards, so hopefully next year I can get back to it
@@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!
Man that wallet is massive 👍🏾
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.
Chase has become overrated. They have the best bonuses but as for keeper cards its meh pretty quick
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.
At least we aren't crazy, or will be crazy together
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!
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.
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
@@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.
I was thinking about getting the AAA card, I want your opinion?
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
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
Great video Ryan!
Great info RJ :)
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
BOA business cards are still good when the $500 offers come around. Aside from that, not much
You are missing the Redstone signature VISA.
Isn't it geo locked now?
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.
I'm a big fan of Wells these days. Journey is on my list as a keeper card
@@RJFinancial nice
I love my Citi Custom Cash! Great cash back card for my gas/ groceries.
The answer to the cash back game has become get more custom cash cards
@@RJFinancialHow can one get “more” custom cash cards? I currently have one custom cash card.