THE ONLY 5 CREDIT CARDS YOU WILL EVER NEED
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- Опубликовано: 17 июл 2024
- THE ONLY 5 CREDIT CARDS YOU WILL EVER NEED - Add me on Instagram: GPStephan
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FIRST: CITI DOUBLECASH CARD
One, it costs NOTHING to keep open - because there’s NO ANNUAL FEE. And, two…it gets you 2% CASH BACK on ALL PURCHASES…1% when you make a purchase and 1% when you pay it off…WITH NO LIMITATIONS. That’s why this card is a MUST-HAVE for everyone to keep in their wallet.
SECOND: AMAZON PRIME CARD
The Amazon Prime Card is for customers who have an eligible Amazon Prime Membership, and the card itself has absolutely NO ANNUAL FEE, so it’s totally free to keep open as long as you possibly can. With this card, you’re going to be getting 5% cash back on ALL Amazon and Whole Foods purchases, you’ll get 2% back at restaurants, gas stations, and drugstores…and then 1% cash back on everything else.
THIRD: CHASE FREEDOM FLEX CARD
This one is TOTALLY FREE WITH NO ANNUAL FEE, and it's meant to replace the Chase Freedom. They’re giving you the same 5% cash back on travel, the same 3% cash back on dining, the same 3% cash back at drug stores…but NOW, instead of giving you 1.5% cash back on all purchases, which isn’t THAT good because you could just use the Citi Double Cash for 2% back…they’re giving you 5% cash back on revolving categories, and then 1% back on everything else.
They’ll also give you $200 back when you spend $500 on the card within the first 3 months, AND they’ll give you 5% back on grocery store purchases (not including target or Walmart) on up to $12,000 in the first year.
FOURTH: AMERICAN EXPRESS GOLD CARD
This card costs you $250 PER YEAR… BUT, on the bright side - for that price…you’re going to be getting some really decent perks and services: You’re going to get 4x points spent on dining - like restaurants, take out, and delivery. You’ll also get 4x points back on grocery stores, all the way up to $25,000 PER YEAR. then you’ll get 3x points back on flights and 1x points back on everything else. You’ll also get 35,000 points just for signing up and spending $4000 on your card within the first 3 months.
Now, as far as how much each point is worth - It depends how you redeem it. The website MillionMileSecrets has a great breakdown on this and how to best redeem those points:
millionmilesecrets.com/guides...
This Amex Gold will also be giving you a $120 dining credit, and they’ll give you a $100 airline credit towards incidentals every year. Not to mention, AMEX has some of the best customer service in the world - and their purchase protection is absolutely top notch.
NUMBER FIVE: THE CHASE SAPPHIRE RESERVE
It’s going to cost you $550 per year as an annual fee…so, right from the start, this is NOT for everyone - but, it might be worth it: One, the sign up bonus: You’ll get 50,000 points when you spend $4000 on the card within the first 3 months - and those 50,000 points have a VALUE of about $750 when you redeem that for travel or straight up cash back.
In ADDITION to that, you’re also going to be getting a $300 travel credit that applies to nearly anything travel related. You’ll also get a $120 Statement Credit For Doordash Deliveries, and free DashPass for 12 months. You’ll also get 1 year of complimentary Lyft Pink when you activate the service using your card - and that’s a $200 value. You’ll get free priority pass lounge access for yourself and up to 2 guests anytime you travel .
Sixth, you’ll also get complimentary global entry or TSA PreCheck which works out to a $100 statement credit every 4 years.
That makes THIS card REALLY, REALLY, REALLY good…even if it costs you $550 per year.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
As an Amex employee, thanks for acknowledging our customer service!
@@MarkReese Not anymore. They used to give their employees a Green Card . As you can imagine, not everyone who works for a credit card company is financially responsible, so they ended that program.
You guys are awesome, can't praise your customer service enough.
Thank you for your due diligence in customer service, AMEX sounds like a good card to start on but tbh the Discover card at the beginning sounds really nice since the customer service is similar to AMEX; tbh I just want to have one for my own online purchases since I just turned 18 and absolutely hate buying stuff on my moms card 🙃💀
@@JDCIncAccount Discover is not a bad card to start with. Their customer service goes head to head with ours every year. You wont be disappointed either way.
@@kolrising -thank you for the hasted response, in all honesty with your enthusiasm for your team shows grand generosity-I think I’ll look into an AMEX card.
One question though; do most local banks offer AMEX? I’m not the keenest on online credit cards is all 🤷♂️
Thanks again for the help btw, and I absolutely love the honesty that you have between my decision.
This is pure value added to the community. Thanks for all your hard work. I'm going to get me one of these cards right now.
The purchase protection on Amex is so underrated. I think most people underestimate the amount of protection it gives you not just for stolen items, but also for things you simply lose or break. Up to $10,000 for a single item and up to $50,000 a year. For me personally this far outshines any other card.
I started out with the discover it secured student card and after a little more than a year I'm up from a $200 limit to $3500. I only use it for food and gas and I've seen my credit score go up. I got the card because I watched one of your older videos back in the day. Appreciate it man.
I just got my secured credit card for my first card a few weeks and literally for the same reason as you 🤣
did you inquire about a increase or they just gave you one?
@@AwesomeRC1 I was going to wait 6-8 months but they give you an option on their app to inquire an increase
@@florida333 - Congrats on your approval w/ Discover Darrein! That's awesome 💳🎉 Have you seen your credit score increase each month as well?
@@MarkReese yea goes up slowly but getting there
Anyone else who spends $1000 a month on groceries feeling ashamed right now?...
Yes 😂
LOL, I spends more than 1k in 2 weeks
lol I read that as $1000/week at first and thought ... wtf are you eating shifu???
No shame. I have a big family.
SHIFU
Plz get on the ice coffee hour with graham and help him with his credit card videos please I saw a lot of mistakes on this vid.
Graham really is getting creative with the way he asks for us to smash the like button and subscribe.
Hah thanks!
It's crazy how much I use you to explain a lot about finances to my friends and family
Superb Video Graham!!! The main thing I love about your videos, you always give practical constructive actionable advice! There is always some step I can take to improve my finances, literally as soon as I finish the video! I really appreciate it! Thanks for all the hard work(researching, etc)! Oh, I smashed the like button
Thanks for making these videos. Only because you educated me on why I should have a credit card, I got the Discover it Secured. I am almost a year in and have paid everything on time. As a 21-year-old, no one has ever taught me this, thanks to you.
Thanks Graham! I was just deciding on what credit card to get. Perfect timing😂💳💸👌💕
SIS - may I suggest you make a 101 EXPUNGE correlating this to the Chinese Credit Scoring System; you know, the system where an entire nation's people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare.
m
Thank you so much for sharing this information. I am looking to built my credit this year and now I am excited to do so. I enjoy your jokes too. God Bless
every time he does the voice when he mimics haters it sends me
Send youuuuuuu? Where?
I thought I was the only one lol
Same lol
BUT GRAHAM
It’s literally my favorite part haha
One thing to note - if you do get the Chase Sapphire Reserve, then the Chase Freedom Unlimited (normally 1.5% back on all purchase) goes up to 2.25% with the redemption bonus. This makes it better than than the Citi Double Cash Card in this case so you can cut it down to 4! I will be releasing a video soon to cover this plus the new benefits Chase just added
This is a little bit different than my list, but great video Graham!
Man, this Graham was no where near
2 million subs... Congrats on your hustle and knowledge... keep climbin brotha...
Just got approved for the gold with a 75k points offer :). My first annual fee card, so excited!
Hi! Love your vids!! Could you please make a video on those pay in installment services like Klarna, afterpay, etc...because your vids about spending money are really great, easy to follow and understand, I would like to hear your input on these services!(:
Just got the Flex thanks to your explanation thanks Graham!!
Ya know, I really liked this video. Good job
Great video, the new flex card also gives you like 800 insurance for your cellphone when paying your bill with it, very cool. The purchase insurance on the gold card is amazing. Purchased an 900 dollar tv and we had an accident that AMEX reimbursed me for. So the card already paid for itself for like 3 years in just that claim alone. I also believe I scored an 75000 signup bonus.
Really good puns. Thank you, Graham
Thank you, Graham, for the helpful and entertaining videos. Definitely appreciate your frugality and advice how to maximize credit cards/life.
I am smashing the like button harder than ever baby
Just applied for the chase freedom flex, getting the checking account as well, bouta cash in on that $400 bonus total $$$
Thanks Graham!
Clever way to tell us to smash the like button for the RUclips algorithm 👍
You’re the man graham! 🙌🏼😎
Hell yeah , watched this video and applied for he Amazon card and instantly got approved. AND as of right now they are offering a $150 gift card w approval !!
Hey Graham, I really enjoy your (credit/debt) card videos. You break things down well enough for just about anyone to understand and choose from.
On that note, could you make a video on the best business credit cards/banks?
Thanks in advance!
- The like button smasher
Sis - may I suggest you make 808 CREDIT SCORE correlating this to the United States Credit Scoring System; you know, the system where an entire nation's people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare.
Liked and subscribed just for the crazy power ranges reference
GRAHAM BIG VIDEO IDEA!!!
MAKE A VIDEO ABOUT WHICH INSURANCE COMPANY TO USE FOR RENTAL PROPERTIES AND WHY. LIKE YANNO A TOP 5 BEST OR WORST.
I’m sure you can find a plethora of different pros and cons for each and it would be an enlightening experience for us viewers.
Been looking at credit cards and this magically popped up 🕵️♂️
hi graham, cant wait to watch this video.
enjoy!!
Graham Stephan I did enjoy, can't wait until my credit is good enough to be approved for the city double cash. Man that is a slick looking card!
Dude, I'm learning so much from you
Thank you for being so awesome!
Thanks for your feedback, for more guidance
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Can we get an updated list please :) Also love your videos as always
I've been watching your videos for a couple years now, and you always shoot it straight. I'm glad you do what you do, and I'm glad I can count on you to remind me to hit the like button.
does anyone else close their eyes after clicking the submit button on a credit card application ?
and then automatically hate yourself after getting denied because you knew that you had too many inquiries but you went and did it anyway...
Yep hate myself for a month after being hit with a hard inquiry lol
I love the way you ask for likes. Usually you tubers are a little annoying but you make me smile and smash every time.
Bro do a new one of these!! Thank you for the info, looking for a new card!
The 5% cashback with the the Amazon prime card is worth it's weight in gold alone! thanks for sharing this information Graham.
Finally some good information I’ve been searching online.
All I need to do is come here to this channel.
Subbed.
@@MarkReese
I’ve gotten a card already this year. The BofA cash rewards.
I might consider another later on!
@@pastlink98 - Congrats! You made a great decision; that BoA Cash Rewards card is one of the best ones out there 👊💥 Enjoy it!
Will you do an updated video about how many credit cards you have? Or many many is a good number to have to boost credit score? Love your videos!
Can you do video on how you started your youtube channel, like what equipment and editing program you used, and or what you would suggest for someone on a budget that does not want to spend a ton right away till they know if they will keep up with the channel. ? Thank you
Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a *NERD STARK CORP* service , and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they're still working on increasing the capital one since it was so low. All in all I’m satisfied.
Your videos on credit cards are my favorite videos made by you lol
Great breakdown, thanks for the info
Damnit graham I just got the Amex platinum because of your last video dumping on chase sapphire research
Perfect timing, I was looking for a new card to churn and add to my list for categories and that new Chase Flex is looking pretty goooooood.
US bank cash plus is an amazing card! I might get the freedom flex to switch things up. Currently rolling with 3% back on gas.
Amazing video! 👍👌 I enjoy your content! Keep it up!
Thanks Graham, your videos are super helpful!
I can sleep at night knowing my new chase sapphire reserve card, that I just signed up for, is Graham Stephan approved 😍
Wow! And I thought I was ballin out with the Chase Freedom Unlimited and Discover It Card lol
He said you get 200$ back on the flex card but it says its for the unlimited so i dont know which one to go for
Just wanted to give a thanks because of your inspiration I’ve started my own channel on stocks and finances and dropped my first 2 videos!!!!!!
I like your shirt! Good credit card lineup! 😊
If you double tap to rewind or fast forward I guarantee you'll hear Graham say "cash back"
Fellow brothers in arms, a lot of these annual fees are waived for us. I signed up for the AMEX blue cash preferred and no annual fee and have saved $300 in first 5 months.
Only active duty.wish I known before getting out.
I've got one of these credit cards already and also a line of credit and a student loan that's adding to my credit history. Word of warning though, think before you buy and if you can wait a week for a purchase then you'll be better off financially. Impulse buying will just get you in to trouble.
Graham... I opened a Yotta account and a TMobile Money account, you are so helpful. I did plenty of research online and those were the best options for me. Thank you.
Hi Graham, only two cards I would change from your list. For high spenders I recommend Alliant Visa signature with 3% back first year; then, 2.5% back after first year. There is a annual fee of $99. You can replace citi double cash with Alliant visa. 2nd replace chase freedom with Sam's club mastercard with 5% back on gas. other cards on your list will cover groceries, amazon, dining and travel.
My family and I use sams a lot! That was a great suggestion
Thank you for the Sam’s suggestion. That’s where I always buy gas!
I’m consistently amazed at how creative you are in requesting the like button smash!!!!!! You’re the best at it!
I brought a cc from *Carderman2* on telegram best vendor I know and very trustworthy. He sell cc,fullz,Bank,Drops,and Dumps
I have no financial problem as long as I have *@Darkearlsimmons* on *telegram*
Lmao
It always makes me laugh so much and I immediately press the like button
only guy I actually smash it for lmao
So exciting video. I should consider that in my next VIDS 😉
Dangit Graham! I just signed up for the Chase Freedom Unlimited last month.... guess I need to get the Flex as well!
Seriously tho, great recommendations. The Citi DoubleCash card has been in my wallet for years. Wonderful card. I shall have to get #2 and #3 now.
@@MarkReese Hard to say. Already got the Freedom Unlimited
I don't even watch the videos anymore. But I do smash the like button for being able to read the description
*@Darkearlsimmons* on *telegram* he is the only real vendor I found on dark web I got live cc with high balance and dumps from him
I think it's going to be hard because I talked too much.
You talk fast.
Thank you for the video.
I will study English with this.
I love RUclips.
Another feature on some of these cards is that there will be short-term coupons or rebates to a specific retailer on them. For example, my Amazon Prime card through Chase currently has a one-time 10% rebate at Five Guys that expires in a few days. I am not sure if I will have the opportunity to use it before it expires, but it does go to show that it's a good idea to log into your account more often than just once a month to pay the bill.
been waiting for another credit card vid
*Discover IT is my most favorite one 👍🏻👍🏻*
Which one ?
@@niceandflyy get secured if no credit and just starting
I would like to see a video on how you use each card.
Thanks for your feedback, for more guidance
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What’s up Graham it’s Paul here. Thanks for the financial advice. I’m going to be applying for these credit cards to bump up my score.
Thanks for your feedback, for more guidance
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Thank you for posting this literally days after I requested it!
that digiorno joke nearly did me in lmao
On my 18th birthday I signed up for the Discover It Secured following Grahams advice. Within 11 months I'm up to a 767 credit score.
I've tried applying to the Amazon prime card twice now but have gotten declined due to 'lack of credit history'. I'll be trying again once I have 12 months of history 🤷♂️
Why dont you apply for another card in the meantime to get more credit under your belt like the chase freedom flex or the citi double? It would be very beneficial.
That was my first card on my 18th birthday as well and the amazon prime card is my second. I got accepted for it back in March. When I had 1 year 3 months of history. You’ll be good
I also applied for the amazon prime credit card 2 times. With 2 years of credit history and an over 740 credit score, Still got rejected. I am gonna open the citi double and the flex before trying amazon again. I would suggest you do the same. You might add too many hard inquiries on your history getting rejected again.
Is the discover student credit card any use?
@@jeffreymuu5451 The discover student card is one of the best cards you can get when starting out. It Is a very useful card
08:18 I love your picture for dining! What a happy event!!
I really appreciate you. This is great 🙌🏽
Can you make a new video on best current sign up bonuses?
"the bragging rights" 🤣🤣 that's what's all about
Awesome content as usual, thanks brother!
Graham is the best….
Hey Graham, great video. I am glad you mentioned the Amex Blue Cash Card at the end. It was actually the next card I was going to apply for, but this video has changed my mind. Can you explain how the AMEX gold will give 8x on groceries? That's the only part that's confusing me.
I appreciate it and keep up the great work man.
I have been dealing with bunch of maxed-out credit cards for years now and has really cause more damage to my credit report. I have been decline of so many loan deals but finally met with Michael Gibbs who help me get rid of the eviction on my credit report and boost my score above 830 across Equifax, Experian and TransUnion respectively. He also pay off my outstanding credit debt and add more tradelines to my credit report within 72 hours. email [Gibbs@creditpatchup.com] For more credit inquiry,
Please do one on credit cards for people outside USA
Great video thanks graham
Thanks G! Just got approved for the FreedomFlex. 4 out of 5. Just cant do the AX man.
Graham: try these 5 credit cards
Dave Ramsey: cut up all 5 of those
Lol, ikr? I listen to Dave Ramsey give people bad advice all the time and I'm like "What?!?!"
If you can’t control credit card spending then cutting them up is a good idea
Dave Ramsey is a fool. I did a react video to one of his clips -- his advice is laughable!
Nick Graham definitely agree
Dave is 100% right. You spend more when you pay with credit card. No amount of cash backs, miles and other bullcrap is gonna make up for this loss. Even if you pay it in full every month. I've been there, done that, everyone who's made calculations and came to other conclusion is wrong. If you assume humans are rational and act like robots, I would agree, you would be tight. But unfortunately we're still just humans and our choice can be distorted by different layout of shelves in the store (and it's being actually done), yet alone by "financing method". I don't delegate any of my mental powers toward controlling my spending with credit card and managing this bad product. And I have lots left for what's important- paying for important stuff and saving for important stuff.
Hey Graham! FYI The Chase Freedom Flex is replacing the Chase FREEDOM and NOT the Chase Freedom UNLIMITED.
I love this show.
All great cards to have, but perhaps a little too diversified across the issuers to pool together points. I'd stick to a Chase trifecta with the 2 cards you mentioned + the Ink Preferred.
@@MarkReese I'm split between Chase UR and Amex MR. Wife carries the CSR, and I handle all the transactions that are optimized for Amex. We agreed that we are only allowed 1 premium card per person ($450+ AF).
Take the Freedom Unlimited over the Citi double Cash. The Cash Signup bonus ($200) means you have to spend 40k on Citi double cash before it's earnings over take the CFU (2% vs. 1.5%). Plus with having the CSR those points transfer over at 1.5 bonus so the unlimited is clear winner.
I love Discover. The best card ever.
Hi Mr Stephan! Thank you for you advice of applying for Discovery it secure card. I will be getting mine in two weeks. After a bad divirce I need all the help I can get to restore my credit once again. Thank you, thank you, thank you once again.
I have 3 of the cards listed and I AGREE Like button DESTROYED!!
Thanks!!
Amazon, Citi double, chase freedom flex. And thanks Graham for the content on your videos. I've learned alot from you.
I like Apple Card’s 2% with Apple Pay feature plus 3% on anything Apple store related. Similar to amazon if you use Apple a lot (movies, Apps, games” I think it makes sense. Also the user interface is second to none in terms of paying the bill and seeing what you spend on etc. now that Apple Pay is mostly ubiquitous in most places I shop I use it a lot for that 2%.
But obviously not great if you don’t have any Apple products or aren’t in the Apple ecosystem.
What the hell is with these bots!?!
I'll give you credit for your sense of humor. It shows your credentials! Lol I hit the like button.
Great vid, Grant. What’s the watch? Looks like a black dial Datejust?
Amazing video as usual, i know you are probably not gonna ready this, but i disagree with number 4. I think if someone is getting the CSR then they don't need the amex gold. Because CSR gets you 3x (which can easily be worth) 4.5pts which is more than the 4x from amex. I think people should have either/or but not both. I prefer the CSR, amex credits are just too hard to redeem. I think the U.S. bank cash+ is a really good card given that you can choose your own 5% categories.
@@MarkReese yeah i do, and it's such an underrated card, i might even get another one just so i can have more 5% categories
GRAHAM! Can you tell me your quick thoughts on the Costco Anywhere Visa???
Hey there! I've had the Costco Anywhere Visa card for about 1.5 years now. *Here's THE GOOD:* Fantastic cash back categories (some of the best actually). No annual fee. Offers extended warranty. *Here's THE BAD:* You can only redeem rewards 1x per year starting in February. The rewards come in the form of an electronic certificate only redeemable at Costco; to get cash back you have to go into the warehouse cash it out. // I stopped using the card because I like to have access to my cash back whenever I like. However, if you don't mind accruing rewards for a full year, then I do recommend it! Are you considering it? 😃
I never shop at Costco why buy in bulk. Most times your target will have it cheaper in a small size.
Best credit card video :) Thanks brother!
You got it!
AMEX GOLD is giving me 60,000 points for signing up.
@@MarkReese I did!
Caught the Sapphire reserve right before the price increase. Probably going to bump it down the the Preferred when renewal comes up.
Nice!!
@@GrahamStephan Quick update, I called Chase, the rep said due to the pandemic they are "grandfathering" the original $450 fee and the $300 travel credit will also apply to groceries and gas stations.