You Only Need THESE 5 Credit Cards In 2023

Поделиться
HTML-код
  • Опубликовано: 3 дек 2024

Комментарии • 217

  • @MobileSMSLocal
    @MobileSMSLocal Год назад +210

    The NEW LOOK ....EDITING IS CRAZZZZZYYYYYYY DB! Who else thinks the editing on this video is BONKERS? Great job by you and your team Man!

    • @coreyw5981
      @coreyw5981 Год назад +4

      Haha now its got me wondering if he ever was actually in that living room setup

    • @iTheRealAK
      @iTheRealAK Год назад

      He said he would hire a profession editor soon

    • @creditczar6979
      @creditczar6979 Год назад

      Talks waaaaaay too fast! Can't watch.

    • @Uniacoty
      @Uniacoty Год назад +3

      ​@creditczar6979 lmao if you think that, then just watch the video in 0.75× speed

    • @ABasedTohan
      @ABasedTohan Год назад +2

      @@creditczar6979crazy enough I listen at 1.25 or 1.5 speed cause I don’t have time to waste

  • @granttcg
    @granttcg Год назад +42

    Great vid man! My current setup is Venture X (travel, catch all) Amex Gold (groceries, dining) Citi custom cash (gas) and Bilt (rent) 👍🏽

    • @545group
      @545group Год назад +1

      That sounds like a really good setup 🔥

  • @mitchelllgale6147
    @mitchelllgale6147 Год назад +28

    Great video! These are getting better every time. I would swap out the Freedom unlimited as a catch all for the Venture X in this set up. You get 2x on everything, increased point diversity, a ton of travel perks and an effective annual fee -$5.

  • @MannyCovington
    @MannyCovington Год назад +23

    For a lot of people, cashback is all they need but it definitely varies person to person! Love the credit card picks!

  • @sjg6158
    @sjg6158 Год назад +18

    Great video Dan. I like the "combination wallet" that features a good catch-all cashback card (2.62%), a 5% gas card, dining card, supermarkets (3.5-5%), and then a good quality travel card or two. It works. This is great. Thanks for sharing as usual.

    • @Daniel_Braun
      @Daniel_Braun  Год назад +1

      Thanks so much Scott! Yeah you can definitely combine travel and cash back cards to create a great hybrid setup - for me my gas card as the Custom Cash at 5% is cash back right now

  • @MattWelterOfficial
    @MattWelterOfficial Год назад +19

    Great picks here Daniel! Love how you talked about specific characteristics of the reasons each Cards made your list and how you separated the Cards into Travel & Cash-Back setups, since spending/travel preferences differ from person to person.

  • @MannyDemaga
    @MannyDemaga Год назад

    I want to do a hybrid type set up so I can get free travel and a some savings through cash back. For me, I will rock: Discover It, Citi CC, C1 Savor One, C1 Venture X, and maybe the Bilt card if it fits my needs in the future.

  • @EthanPatrick_CreditCards
    @EthanPatrick_CreditCards Год назад +15

    A lot of people like the simplicity of cash back, but I think if you travel at all, the travel setup is the way to go hands down. Just makes financial sense.

    • @Daniel_Braun
      @Daniel_Braun  Год назад +15

      Yeah I think most people will travel at least once per year if not once every 2 years at a minimum so a travel setup is better at saving money for either flights or hotels in some way. I agree that travel is the way to go over cash back for the greater upside value - plus it's really fun finding good redemptions so it's also a hobby for me haha

    • @EthanPatrick_CreditCards
      @EthanPatrick_CreditCards Год назад +4

      @@Daniel_Braun Exactly! And it's fun to see how nice you can travel (with even just an average income) using points. It's a fun hobby for sure.
      Does running a youtube channel around travel ever make it feel more like work than fun? Some people say not to make your passion your work, because then it just becomes work haha.

    • @aaronqueen55
      @aaronqueen55 Год назад +2

      @@EthanPatrick_CreditCards right now I’m asking myself if it’s better to use the 1.5% cash back chase freedom or the 2% cash back from citi double cash card. On the surface, you’d think the citi card is better but after watching many of these videos, I’m thinking it’s better to use the chase card; especially since I just got the sapphire preferred card for the 80k bonus.
      Thoughts?

    • @aaronqueen55
      @aaronqueen55 Год назад +1

      @@EthanPatrick_CreditCards ha, I just finished watching the video and he explains that the chase card is better. Yea, I’m gonna have to start using that card instead over the citi card.

    • @EthanPatrick_CreditCards
      @EthanPatrick_CreditCards Год назад

      @@aaronqueen55 I’d go with the Chase 1.5% back like Daniel said. It’s good for multiple reasons, like 5/24 and also having a small amount of many currencies can be a lot less useful than focusing on one points currency.
      The freedom unlimited is a great card with a solid sign up bonus (the double cash has no bonus) and the chase transfer partners are better than Citi’s. I think you’ll get a lot more value from it.

  • @xreed8
    @xreed8 Год назад +14

    To me optimal cash back cards is yearly 4-5% no annual fee in the top 3 spending categories -- groceries, restaurant/fast food, and gas. That would be the AAA credit card for 5% groceries, US Bank Altitude Go at 4% for restaurant/fast food, and Citi Custom Cash at 5% gas.

    • @reptilesgamers00
      @reptilesgamers00 2 месяца назад +1

      US Bank Cash+ for Utilities and Streaming 5%
      AAA Daily Advantage for Groceries 5%
      AAA Travel Advantage for Gas 5%
      Citi Custom Cash for Dining 5%
      Chase Prime Visa for Amazon 5%
      Amex Delta Gold Card catch all

  • @danielvelarde6393
    @danielvelarde6393 Год назад +16

    Heads up, Chase currently has a bonus to apply for the sapphire preferred in a chase branch to get a 90k sign up bonus instead of 60k after the required spend.

    • @nicholasbustos6787
      @nicholasbustos6787 Год назад +2

      Hello is the 90000, bonus still going on right now?

    • @yaboyreggie_
      @yaboyreggie_ Год назад

      @@nicholasbustos6787 No, I got my card last week, I get 60,000 points after spending $4,000 before December 21, 2023

  • @pit5000
    @pit5000 Год назад +4

    I used to be team cash back but now that I’m older and looking to explore more I decided to switch to team travel points. My plan so far is looking very similar to what you have here.

  • @kurtapolonio2115
    @kurtapolonio2115 Год назад +5

    Dangg, I just got my Chase Trifecta (CFU, CFF, CSP) and thinking what other credit cards will compliment this set up (mostly for points and travel partners). You keep posting contents and videos at the perfect time, right when I need them. Thank you.

    • @timo.vargas
      @timo.vargas Год назад +2

      Congrats on the trifecta! im rn on CFF, CSP, BILT, Amex Gold

  • @cookiecutter4016
    @cookiecutter4016 Год назад +5

    You helped me feel confident enough to get my first card!!! Love your videos!

  • @Blueick
    @Blueick Год назад +5

    Perfect timing. Because I have been learning about credit cards for a good week. And these definitely have been in my mind to get. Still debating which card to get next. Super excited

    • @Dhrndzvet
      @Dhrndzvet Год назад

      Go big and get Amex plat like I did

  • @Antares_451
    @Antares_451 Год назад +2

    Love the video's. Im building my travel card lineup. Recently got the Sapphire Reserve. I do have an Amex card thru my credit union (20,000 point for 2k spend 3x of gas, food and groceries, 1 for everything else. Best part, no annual fee, intro apr of 1.99 then regular 14.25% American Express needs to have into apr along with the sign on bonus.. I may get that Amex Platinum in January 24"

  • @joejam174
    @joejam174 8 месяцев назад +2

    At 6:16 when he says "subscribe" the sub button glows. when the fuq they add that

  • @juaneguerrero8456
    @juaneguerrero8456 Год назад +1

    As always your videos are excellent. I started to recommend them to my peers and co-workers looking to get a new CC.

  • @DJOctober
    @DJOctober Год назад +2

    Editing is fire. Great job to whoever you hired!
    Awesome video! Just got the CFU and I’m waiting 3 months to get an Ink Cash and waiting 6 months to get a CSP!

  • @ramneekkaur3820
    @ramneekkaur3820 Год назад +1

    I love your videos, the effort and explanation are just perfect. Thanks!!!!!!

  • @LK_EBM
    @LK_EBM Год назад +13

    100% worth it to hire an editor. Great production value!

    • @Daniel_Braun
      @Daniel_Braun  Год назад +9

      Absolutely! I love the work that my editor has been doing so I'm glad to hear that you agree - thanks!

  • @SpencerJohnsonOfficial
    @SpencerJohnsonOfficial Год назад +54

    Personally, I’m team travel all the way right now, but I do love the simplicity of a good cash back setup too. I think a mix is a good way to go, which is why I love Chase so much. Being able to redeem for 1 cpp in cash-back form and also transfer out to travel partners for at least 2 cpp or more makes their card super viable for someone trying to play both sides of the credit card game. Super solid video here Daniel. The editing makes me more and more jealous by the video! 🤣

    • @Anthonyjones-pq4ff
      @Anthonyjones-pq4ff Год назад +1

      Spencer questions does United have a lounge
      I see the Delta lounges just wondering if United has one

    • @SpencerJohnsonOfficial
      @SpencerJohnsonOfficial Год назад

      @@Anthonyjones-pq4ff Yep United has lounges called United Clubs. I've heard good things about them!

    • @Anthonyjones-pq4ff
      @Anthonyjones-pq4ff Год назад +1

      @@SpencerJohnsonOfficial was booking a flight ✈️ but didn’t see any of them listed like with Delta that listed their lounges
      When booking with Amex platinum card
      Looking forward to visiting the lounge

    • @SpencerJohnsonOfficial
      @SpencerJohnsonOfficial Год назад

      @@Anthonyjones-pq4ff They are a Chase transfer partner so I'm not sure that Amex would show them in their systems 🤷🏼‍♂

  • @callofduty60
    @callofduty60 Год назад +5

    I have the same set up
    Except I DONT use the Amex gold.
    It’s not worth the AF imo because I don’t use the stuff needed to get the $240 back for the year on it.
    Also the sapphire pref. Is good enough for food purchases at 3x points (restaurants/ online groceries) and you can use the custom cash for 5% off grocery stores… then pay cash for gas at the pump, which is cheaper than hat they charge when you pay with card anyway.
    I don’t like the idea of having points with chase AND Amex it would take too long to get enough points with both to book travel flights with… meanwhile carrying the AF on the cards over time reduces its value.
    I think having all my point on chase is better since I’d be able to stack up the points faster and book travel more frequently. There’s value in that for sure.
    If your a type of person who uses the Gold AMEX in the way u need to get the $240 back then it makes much more sense, but I don’t. I feel like a credit card should fit your life style not us changing our habits to fit a card
    Great vid!

  • @xavieracoleman2657
    @xavieracoleman2657 Год назад +2

    Your editor is fire… love the new look

    • @Daniel_Braun
      @Daniel_Braun  Год назад +1

      Thanks so much Xaviera, glad to hear you like the editing! I'm really happy with what my editor is doing

  • @RealityTB
    @RealityTB Год назад

    Your linked video is not showing in the end credits :/

  • @chrystal790
    @chrystal790 Год назад +1

    I am team cash back, so for me the perfect set up will be us bank altitude go for dining, AAA daily card for grocery, BOA custom cash for online shopping, citizens world MasterCard for everything else. Most of these card doesn’t charge foreign transaction fee and none of them has annual fee. I don’t really like AMEX card because there is a change some places don’t accept them and I don’t wanna bring a card out just to learn some places don’t accept them

  • @Cory733
    @Cory733 Год назад +7

    Daniel is the new Steven Spielberg of credit cards dang 👏🏻

  • @jonathanbradley5383
    @jonathanbradley5383 Год назад +2

    I just added AMEX BCE and CSP to my setup. Also have Navy Federal Flagship Visa and More Rewards Amex - no pts partners but 3x cash back ($0.01/point) values in high spend categories (travel, dining, gas, grocery, transit). Your thoughts on Navy Federal cards?

  • @juliandavis6140
    @juliandavis6140 Год назад

    Your channel is amazing man. Thanks for providing all of this information. Credit is such an important aspect of finances that no one really talked enough about to me growing up.

  • @545group
    @545group Год назад +2

    Another great video! Thank you for these, it’s really help me learn how to use CC to my advantage

    • @Daniel_Braun
      @Daniel_Braun  Год назад +1

      Thank you so much Jon! I love to hear that the videos have been helpful!

  • @AdamBA380
    @AdamBA380 Год назад +8

    I always love getting to see how people build out setups! For me it a seems like the SavorOne is a bit redundant as a “food card” in this cash back setup since the Freedom Flex and the Amex Blue Cash Everyday each cover restaurants and dining respectively. Might be useful if one were spending a lot on entertainment (or Uber for the 10x back), but as a “food card” it’s maybe not really needed? It’s a great no-annual-fee alternative to the Gold Card in the travel-centric setup though IF one were inclined to get the VX instead of the Platinum. And if one went that route then that covers the catch-all, and the Freedom Unlimited could make way for the Bilt card in the travel setup. Oh, so many options! 😂

    • @Daniel_Braun
      @Daniel_Braun  Год назад +4

      Haha I hear you Adam! Yeah there's so many possibilities and this didn't even cover the Capital One duo of the Venture X and SavorOne (which I think are highly underrated - video coming soon!)
      Thanks for watching and commenting!

    • @anthonyorf8827
      @anthonyorf8827 Год назад +1

      Ironically I am new to credit cards and was already eyeballing all the cards on the cash back side that he mentioned, but I thought that the us bank altitude go card would be better for the food and dining card since it has no annual fee and gives 4% back on dinning and fast food too

  • @hookshankhewitt5615
    @hookshankhewitt5615 Год назад +3

    I like the blue cash preferred from american express for groceries. The 6% cash back is the best I have found!

    • @devlin76
      @devlin76 Год назад +2

      Agreed. I use the BCP for 6% groceries and streaming. Fantastic card as long as you are spending at least $3500 on groceries every year.

    • @texasgirl6000
      @texasgirl6000 Год назад

      ​@devlin76 , in today's economy, that should be easy.

  • @devlin76
    @devlin76 Год назад +1

    Great video! Great editing! Very solid lists.

  • @gtizzle101
    @gtizzle101 Год назад +2

    The double cash I gamed for a while and the point tracker was very confusing it never goes to zero so I feel like I left points on the table

  • @christophergrace6489
    @christophergrace6489 Год назад

    Thanks for the video. Surprised the cap1 vx didn’t make the travel list

  • @AF0093
    @AF0093 9 месяцев назад +1

    Can you show how to book that free night through Chase using their cc?

  • @jeibercolon-marquez8435
    @jeibercolon-marquez8435 Год назад +1

    Great vid Daniel! Loving the videos. 💪🏼

  • @officialgoonyosama6098
    @officialgoonyosama6098 Год назад +5

    My savor one card counts Wawa purchases as “gas/ automotive” would the citi custom cash card count Wawa purchases if gas is my highest spend category?

    • @TJNinneman
      @TJNinneman Год назад

      We don't have WaWa where I live but all of the gas / convenience stores in my area count towards the 5% category, both inside and at the pump.

  • @arercee5528
    @arercee5528 Год назад +2

    Daniel, I have a question. I have a Gold card and was just offered to upgrade to a platinum with 100k points bonus after I meet the minimum 6 month spend.
    If I upgrade and get the 100k points, will I lose those points if I downgrade back to the gold in a year?

  • @EricRatzlaff_
    @EricRatzlaff_ Год назад

    Well done on the video editing!

  • @DavidC-
    @DavidC- 8 месяцев назад

    Do you recommend any credit cards for personal purchases

  • @Faisal-ld7ni
    @Faisal-ld7ni Год назад

    Thanks for this great video I watching you from Saudi Arabia 😊

  • @scarling9367
    @scarling9367 Год назад +1

    Saw a similar cash back setup, but they used the freedom cards instead of the Discover and Double Cash. I assume the switch was for the sign up bonuses as the Discover and DC don't have one.
    Solid setup since each card can be leveraged in multiple places. Bet you could switch it up every quarter and have a different combo for a couple years.

  • @ZakBoxer
    @ZakBoxer Год назад +1

    So I currently have the Freedom Flex, Sapphire Preferred, Prime Rewards, and Apple Card. I really want the Amex Gold now, but I wonder if that will overlap with the earnings of my current cards

  • @alex_tercero
    @alex_tercero Год назад +1

    @Daniel do you recommend applying for a new credit card while having a high utilization? I’m in the process of paying off all my debt. I know a new credit card will expand my limit which means my utilization will go down. Do you recommend for me to keep lowering my balances before I apply for the new card?

  • @AnthonyVenture
    @AnthonyVenture Год назад

    You know I don’t know what anyone is talking about with the sound effects, I can barely hear them haha.
    My videos have way more sound effects, now I’m realizing I should cut back tremendously now.
    Very thorough look at these cards as well, very nice Daniel!

  • @GnarlyGary
    @GnarlyGary Год назад +1

    i feel like you made this really easy and really complicated at the same time

  • @diotitus
    @diotitus Год назад +2

    If you were to recommend a 2 card setup for the average Joe to apply for and hold forever for a bit of both cash back and travel points, what would you recommend?

    • @bossnarwhale7342
      @bossnarwhale7342 Год назад +1

      I sort of end up doing this, though I don’t think it’s for everyone. I do most of my grocery shopping at Whole Foods (make fun of me if you must) and do most of my “regular” shopping on Amazon. Amazon card gets me 5% back at both of those places. Almost everything else ends up on the world of Hyatt card so I can spend 15k for the free night certificate. Only thing I would add is the Bilt card to give you the super power of paying rent with a CC and get points (that I can transfer to Hyatt).
      A more common man version of this would be the Venture X and Savor cards from capital one. Could see that being a lot more useful to those outside my spending habits.

  • @xERRRAHx
    @xERRRAHx Год назад

    My most common used cards right now... (OG 2014) Chase Freedom for Quarterly 5% --- CSP for intro bonus/travel/streaming/dining -- Amex Gold for intro bonus/ Dining/groceries -- CapitalOne Venture X for intro Bonus/primary travel card/catch all for 2x ---- Apple Digital Card for 3% back at apple vendors, using as gas card at Exxon/Mobil.... My approach was I wanted to hit the Intro bonus/travel options and build credit resume with Chase/AMEX/C1... so I have a lot of flexibility/diversity to transfer to tons of partners.

  • @GetOutNerd
    @GetOutNerd 10 месяцев назад +1

    Something I’ve noticed looking through these cards and trying to build my own credit set up is that a lot of them exclude Walmart and warehouse stores, which is a big chunk of my grocery spending. Does anyone have any recommendations to maximize the amount of rewards for this?

  • @Daylight6kb
    @Daylight6kb Год назад +2

    I will ask this here because I couldn't, for the life of me, find out online or in other videos. I'm slowly getting my card setup but is it worth it to put a charge on my older cards every month to get more on time monthly payments? Or should I just put one every 6 months or so to just keep it open and use more money on my better cards?

    • @andrewsandoz6655
      @andrewsandoz6655 Год назад +1

      Closing out a card can impact your credit history but it probably wouldn’t hurt to keep making small on time payments. Probably won’t find an answer on the internet but it is more personal choice.

    • @devlin76
      @devlin76 Год назад

      If you have 100% on time payments, then the number of new payments added does not matter much. If you missed a payment in the last seven years, then every on time payment you add to your history is going to help the percentage for on time payments go up.

  • @michaeldiaz6060
    @michaeldiaz6060 Год назад +3

    Hey Daniel for a hotel card under $100 (disregard 5/24 or amex rules 760 credit score) which would be your choice. Personally im between world of Hyatt or IHG premier. Id love your opinion on which to get.

    • @zaalb131
      @zaalb131 Год назад +3

      If you want a really cool redemption option for IHG, crowne plaza in Rome can be booked 8 nights for 175,000 points, which is basically what you’ll get by finishing the sign up bonus right now!

  • @iNinjaaz99
    @iNinjaaz99 9 месяцев назад

    What do you think of the WF active card vs the Citi double cash card?
    How about the US bank cash+ vs the Citi custom cash?

  • @wa11nutsman71
    @wa11nutsman71 4 месяца назад

    is there anything stopping me from getting multiple citi custom cash cards, for example one for groceries and one for gas?

  • @iTheRealAK
    @iTheRealAK Год назад +1

    What’s up with the ending bro? Did your editor forget to add the ending? Or is an abrupt closing the new norm?

  • @luissalazar2590
    @luissalazar2590 Год назад

    Hey Daniel, quick question, you put the citi custom cash in the travel setup but no premier, would that just mean you recommend jjst talking that cash back on the 5% instead of points?

  • @ladygadventures4144
    @ladygadventures4144 Год назад

    Thank you for this video

  • @ABasedTohan
    @ABasedTohan Год назад

    Just watched and wanted your opinion, if you are wanting to travel in the next year and your credit score is in the mid 700 (740 ish) would you recommend going for the chase sapphire first or try to go chase unlimited and work your way into the sapphire 6 months later to be safer?

  • @me_rap27
    @me_rap27 Год назад

    how can you apply for your cards if they are not approving you specially for starters or new to america which card you recommend first,we are foreign just arrived in this place.

  • @pawan_gupta
    @pawan_gupta 10 месяцев назад

    Great video, loved the content! thank you. Was looking forward to a un-pixelated version of the 0:33 image with all cards in one place but didn't get it. Also, the background music sounds like a haunting melody, specially on 1.5x speed; I actually paused the video a couple times to confirm it's coming from the video.

  • @GunCultureUSA
    @GunCultureUSA Год назад

    Do you recommend the Apple Card now that they're allowing you to put your earnings into a high yield Apple savings account?

  • @nmrooney1
    @nmrooney1 Год назад +1

    Thank you very much Daniel! Love your videos, and I find them very helpful! So much so that I got myself into the Chase Trifecta with the CSP, CFF, and CFU. Love the set up and the fact that both Chase Freedom Flex came with a 1 year 5x back on gas and Chase Freedom Unlimited 5x on grocery for the first year. My set up is currently perfect, but I can't help but think once these 2 categories go away... I was curious if you could give me your thoughts on the Triple AAA Daily advantage card? Or even better if you could do a video review! The reason I bring this card up is that it would fit the gaps perfectly for complimenting where the Chase Trifecta lacks. First off it's a Visa card and can be used at Costco getting back 3%! 5% back at normal grocery stores, and 3% back on gas or EV. I'm leaning towards this vs. having to get both the Savor One and the Citi Custom Cash to cover all of my bases. I know this is a nuanced question, but I appreciate any insight as this Triple AAA card is rarely talked about on RUclips, but has powerful earning potential.

    • @devlin76
      @devlin76 Год назад

      The AAA cards from Comenity Bank seem like solid cards. Adam from ProudMoney did a video on them. ruclips.net/video/Q0UXwz_UjtE/видео.html

  • @elempresario2165
    @elempresario2165 Год назад +1

    very good video!!!

    • @Daniel_Braun
      @Daniel_Braun  Год назад +1

      Thank you so much for watching, glad you liked it!

  • @Finance-Thinking
    @Finance-Thinking 11 месяцев назад

    Can you apply from these from the UK?

  • @alexandernelson477
    @alexandernelson477 9 месяцев назад +1

    I'm at a 700, asked capital one to increase my 300 limit on my quicksilver and they said no... a week later I applied for the capital one venture card... gave me a 7k limit. Make it make sense. 😆

  • @mickp3154
    @mickp3154 Год назад

    What about the Wells Fargo Autograph? I've been considering between that card and capital one savor.

  • @SlavLS.
    @SlavLS. Год назад +1

    I feel like 2x rewards from Wells Fargo would be better than citi double cash just because of the $200 sign up bonus

  • @ladygadventures4144
    @ladygadventures4144 Год назад

    Can you talk more about the BILT?

  • @willdamian1066
    @willdamian1066 Год назад +2

    Don’t sleep on Wells Fargo cash back card 2%

  • @JohnsonStobeck
    @JohnsonStobeck Год назад

    I'm somebody that can't decide if they should put all their efforts into the cash back route or do a little of both so I can travel one day and have it be cheaper?

  • @rayacevedo5901
    @rayacevedo5901 Год назад

    I don’t see the US Bank Altitude GO. Being brought up as alternate to the Amex Gold card.
    Zero annual fee with the same 4X point.

  • @boatenthusiastandexplorer6961
    @boatenthusiastandexplorer6961 Год назад

    Is there a way to by pass the income requirement for the sapphire preferred card or u have to have a high income in order to get it

  • @juliangarcia6477
    @juliangarcia6477 Год назад +1

    Is there a strategy you would suggest to be able to apply to a few of these credit cards while minimizing the number of hard inquiries applied? I was hoping to apply for the CFU, Bilt, and Amazon card with a FICO score of 786 and I already have three credit cards (Wells Fargo Platinum, Discover It, Apple)

    • @davidradtke160
      @davidradtke160 Год назад

      Apply for them at the same time. You will get dinged but all of them will fall off your credit after 6 months instead of spreading it out.

  • @morsecode5557
    @morsecode5557 Год назад

    What software do you use to edit?

  • @luisbryanzamorasoleto2559
    @luisbryanzamorasoleto2559 Год назад

    For the Bilt card, if I am trying to pay my rent with that card while living overseas(currently active duty) will I still get the same benefits as I was in the states living in?

  • @albertcastro409
    @albertcastro409 Год назад

    Citi custom cash card. I believe is the best card out there because the 5% cashback on whatever category you pick.

  • @CraccHeadJack
    @CraccHeadJack Год назад

    Can you be aproved the capital one savor one student with no credit history (looking to get it for my first card)?

  • @8atmannn
    @8atmannn Год назад

    Why are not all the cards mentioned in the video not in the description with a link?

  • @nicholassmith7723
    @nicholassmith7723 8 месяцев назад

    With the rotating category cards, do you choose your category or does it rotate based on the card issuers schedule?

    • @Daniel_Braun
      @Daniel_Braun  8 месяцев назад

      It changes based on the card issuers schedule - they usually announce the new categories a couple of weeks before the start of a new quarter

  • @KevinP32270
    @KevinP32270 9 месяцев назад

    THANKS!

  • @justinbrendel9329
    @justinbrendel9329 Год назад

    Had the citi premier card for the welcome bonus, then downgraded to citi's reward+ after a year. That makes my citi points 10% more valuable in the portal, which brings my custom cash to 5.5x points on purchases in the category of my choice (gas rn). Thought this was a fun hack.

  • @stenzy282
    @stenzy282 Год назад

    My wealth advisor roasted me for only having 1 CC, still indecisive on what other CC I should open but this helps haha

  • @gabrielmerlo8663
    @gabrielmerlo8663 5 месяцев назад

    Shouldn't the Chase prime card be on the travel side? Since it's a Chase card, you can also combine the prime card points with the other Chase cards, which makes the Sapphire Preferred 25% boost even more powerful.

    • @gabrielmerlo8663
      @gabrielmerlo8663 5 месяцев назад

      Ok, I just found out that prime points can't be transferred to the other Chase cards.

  • @Zerog461
    @Zerog461 Год назад

    So I like the travel setup. Just got the Chase Sapphire with the 80,000 points. What is your main spend for the chase preferred?

    • @Zerog461
      @Zerog461 Год назад

      Also since I have 3 Chase cards can I pool all the rewards together?

  • @amilcarflores6576
    @amilcarflores6576 Год назад +1

    The savior is just get the us bank card 5 cash back restaurants and other categories like gym

  • @ugoewulonu4936
    @ugoewulonu4936 9 месяцев назад

    Doesn’t it bother you to have to multiple cards with multiple ecosystems?

  • @josephhoran853
    @josephhoran853 Год назад

    Question, so I recently got my freedom flex 2 and a half months ago. Last week I got the freedom unlimited. Now how long should I wait until applying for the Sapphire Preferred? Reference - I have a credit score of around 694

    • @alexanderjackson7815
      @alexanderjackson7815 11 месяцев назад

      Not apply until pre approval which you should’ve got by now. I got it but didn’t apply because of annual cost. Maybe later when I want to get the bonus

  • @GeneralFrankenberry
    @GeneralFrankenberry Год назад

    Travel rewards require way too much time to configure maximization. Not to mention, it limits your flight options when trying to book flights with rewards.
    I value my time too much. I'll stick with team cashback.

  • @mattball2700
    @mattball2700 Год назад

    Great vid, but I'm surprised to not see the Bilt card, given that rent is generally people's biggest expense (if they rent) and Bilt has great benefits.

    • @Daniel_Braun
      @Daniel_Braun  Год назад +1

      Hey Matt, I included the Bilt card as a bonus at the end! The problem is that I only have 5 cards to work with in each setup for this video and not everyone rents. But if you do rent like me then I think it’s a great card! One of my new favorites that I have as well 👍

    • @mattball2700
      @mattball2700 Год назад +1

      @@Daniel_Braun Yeah - I think it will be a great one for our kid, who just finished their PhD

  • @psycheout4733
    @psycheout4733 Год назад

    I get the cash back side but no idea why the travel cards are all over the place with nearly every one being part of a different reward network. You're simply going to end up with a a few thousand points in every pot not able to really utilize them with one of the annual fee cards to best utilize the points usage.

  • @dejanboromisa8527
    @dejanboromisa8527 Год назад

    Can I have travel credit cards and use them in Europe

  • @MIIHAAAN
    @MIIHAAAN Год назад

    I'm debating if i should complete the Chase trifecta (need CFU and CFF) and Ven X (3 new cards in total) or a setup like VenX and CFF is enough in itself? I already have CSP, Amex Gold and Amex Blue Everyday

    • @Daniel_Braun
      @Daniel_Braun  Год назад

      All great cards so it all depends on what categories you're looking to get those cards for and whether you prefer to earn points for travel or just cash back (or both)

    • @MIIHAAAN
      @MIIHAAAN Год назад

      Hi Daniel, thanks for responding. The intent is to use it for travel. VenX does give 2x on everything so does it make sense to get CFU to complete the trifecta?

  • @maxcollins6452
    @maxcollins6452 Год назад

    I have the Chase Freedom Student, do I get a signup bonus if I upgrade it to the regular Freedom Unlimited or Flex, Sapphire? I want to upgrade or change product when I get out of school and not close the account.

    • @Daniel_Braun
      @Daniel_Braun  Год назад +1

      You would not get a sign up bonus if you upgrade to any of those cards - only if you open a new card account with one of those options. So typically what people do is they keep the Freedom Student card open as a separate account that continues to age for no annual fee

    • @maxcollins6452
      @maxcollins6452 Год назад

      Thank you for clarifying and HUGE THANKS for making these vids!!! As a college student wanting to get a good financial foundation, your content made me feel better about making important decisions to help my future self! Just in the last six months I was able to raise my score an avg. 40+ pts across my vgpt3.0’s and 50+ pts across my Fico8’s. Before, I just had two installments of fafsa loans sitting there, but now, I have a D-it cb (since Aug 22), plus that Chase FS (since Dec 22). I meant to wait the recc. 6mos, but something happened and it ended up actually applying when I was just trying to see what my limit would be haha. Debating on whether to get the CF Flex or Citi CC in June

  • @FatStacksAcademy
    @FatStacksAcademy Год назад

    Daniel,
    I’ve been waiting to get a chase card for years. I finally got my credit score under 524 but chase still won’t approve!? How low do I need to get it?

    • @alexandrarunnels4854
      @alexandrarunnels4854 Год назад +2

      don’t you mean trying to raise your score? a low score will not get you access to many cards. a score in the 700s/800s is better

    • @samkim6127
      @samkim6127 Год назад

      Well that's the problem. You're trying to lower the score when you should be raising it. Higher score is better.

  • @Andrew95991
    @Andrew95991 Год назад

    Fantastic video Daniel!

  • @TheRevivemaster
    @TheRevivemaster Год назад +1

    The one thing no one ever talks about is you need to spend a certain amount of money for annual fee credit cards to be worth it.

    • @Daniel_Braun
      @Daniel_Braun  Год назад +1

      That can be true depending on the card and other benefits/features. Sometimes things like credits and other things can help to justify the fee - but spending more also helps with the higher multipliers

  • @TheTruth19
    @TheTruth19 Год назад

    great video! are you still making a 2 player mode with credit cards? i know you mentioned it a couple of videos' ago. i want to see the strategy for me and my wife.

  • @TheAudioCzar
    @TheAudioCzar Год назад

    I came here because the thumbnail said $400 a month, was trying to see how that was being done. Sounds like a lot of spin to get $400 back a month

  • @Anthonyjones-pq4ff
    @Anthonyjones-pq4ff Год назад

    Daniel why not the double cash card instead of custom card ?

    • @Daniel_Braun
      @Daniel_Braun  Год назад +1

      Hey Anthony, I have them both here in this video! The Citi Double Cash is as the end as a catch all card earning 2% on everything

    • @Anthonyjones-pq4ff
      @Anthonyjones-pq4ff Год назад +1

      @@Daniel_Braun Good job on the break down Daniel that why I kick it with you . Lke how you incorporated Amex with other then just chase C1 & Citi
      They all have their job s to do
      Waiting to see citi new card

    • @Anthonyjones-pq4ff
      @Anthonyjones-pq4ff Год назад

      Spencer Daniel did do a great job the way he broke it down in match chase with Amex like that thumbs up 👍🏿 to you
      Daniel
      Spencer wait on new content

  • @mayankk2800
    @mayankk2800 Год назад

    WF active cash and autograph should be there as 5th option

  • @Menaboucher
    @Menaboucher Год назад

    Is Costco considered a grocery store even though you can buy everything there?

    • @devlin76
      @devlin76 Год назад +3

      No. For credit card categories Costco, Wal-Mart, and Target are almost never considered grocery stores.