I've watched enough CC gurus to hear plenty of repeated videos. I really appreciate your channel for the fresh take on CCs, in a logical, organized, and brief manner. Keep doing what you're doing! 😁👍
This brings me right back to our Creator Conversations episode. Your thought processes on core vs. secondary credit card setups are something that has really stuck with me since that conversation. For my personal setup right now, I'm building out my secondary setup with hotel cards as we speak!! Keep up the awesome work Stan!! Oh, and here's my (preemptive) congrats on 5k!! 🎉
Thanks so much Spencer! Yeah, this was the video I was saying that would come out right after our Creator Conversations episode. It's really cool to look at your credit card setup as compartmentalized units because then you can really start seeing the forest through the trees! Excited to see what comes of your secondary setup with hotel cards! Appreciate the support! As of this comment, I'm 7 subscribers shy of 5k so hoping we get there real soon! 🎉
Question spencer when asking for CL incase will it affect your Credit score ? What you request a CL incase in get down . What should one do next .I’ve Ask Amex for one on my everyday cash card three X”s in got shot down Should I apply for another blue cash card in move credit limited over or what . Any suggest thx
Hey look, it’s Matt and Spencer!!! I liked how you named your categories. My favorite name was the “bench” category. Your videos are always thorough without being overwhelming. And btw, your editing is sooooo much improved since your first video. I’m loving all of this growth each of us have had on all fronts. Amex platinum? I’ll get it one day, and I think I’ll also cry 🤣🤣
Haha yes! Happy to feature two of my favs in the credit card space! Yeah, it really is true though. A lot of us have credit cards on the bench (aka the sock drawer). I really appreciate your feedback on my editing, and yea it has grown so much, thanks to some of your tips of course 🤩! It’s awesome to be able to collab both on and off camera. No rush on the Amex Platinum. By the time you get it, maybe the SUB will have grown to 500k MRs, but 99% of people will also be in popup jail 🤷♂️
Stan I watch this one twice. There was that much info in it. I love the analytical view into your system. I’m also intrigued by a couple of things: One no Chase UR cards and two, the lack of focus any transferable currencies. I’ve oftentimes said that cash back could be a better currency for domestic economy and I also share your thoughts on hotel cards. This video is a winner for me even if I may have 4 different cores (Amex, citi, chase and cash)
Thanks so much Luke! Yeah, I love diving into the strategy when to comes to setups. I’m certainly a big fan of the hybrid setup, which seems to work very well for me. Since I I don’t travel too often internationally, transfer partners are not as important, but for that one time I go every couple of years, I definitely want some form of transferable currency! I try to focus on like 1-2 systems just to keep it simple! Hotel cards are definitely where you get a lot of great value! Glad you enjoyed the video, and it was so awesome to hang with you in person this weekend for the meetup!!
Love this video bro! I’m definitely in the “SUB phase” of my credit card journey, I really only started in April so I’m still fairly new, but you guys have given me YEARS of knowledge up front with these strategies! I already have a plan for what my core cards will be, with a “flex” option, just like you, for a SUB card! Keep the videos coming bro. Love your content. - Ivan
That's awesome Ivan! Knowing is half the battle. I'm glad you're coming up with your own roadmap and strategies. You'll be in such a great position when you're able to get the cards you want to build your own perfect setup 👍!
I always love hearing your rationale behind your decisions. And 5k in less than 24 hours??? Woot woot! 🔥🔥🔥 Looking forward to seeing how your Altitude Reserve and Bilt applications go. 😍
Thanks so much Josh!! Yeah, the why is super important when it comes to credit cards, and what's awesome is that everyone has their own individual why depending on their circumstances so it's always so interesting to see everyone's point of view! Yes, fingers crossed those applications go well! 🤞
Excellent video 👏🏾. Ithink it is very important that analyze and prioritize each card that we have. It can be overwhelming when you open many cards, but creating core groups can make it much easier.
Thanks JP! I totally agree, prioritizing, analyzing, and organizing all of your cards is super important, especially when you reach that critical mass where it becomes a little overwhelming. By creating subgroups, it becomes a lot easier to manage and think about what cards are where, and what to do about them, especially on the ones with annual fees to make that keep or cancel decision. Awesome to meet you this weekend bro 👍!
My core cards are Amex Gold, Amex BCE, CSP, & BofA customized cash. There are a few more cards I want to get in 2024 so this may change. Great video Stan 💥 this was very helpful
Nice setup Mike! Looks like you got a solid core credit card setup!! And you’re just like me having mainly Amex, Chase, and BofA cards. Definitely a lot more cards you can add to your secondary setup or to round out that cored setup as well!
Great video, Stan. For me, I think the sweet spots are the $75-$150 AF cards were they are giving you just one or two credits (free night, tickets, or bags) with some status and the opportunity for a nice SUB and some on going point earnings. I find myself losing out on the higher AF cards with their credits and having to use them. With that said, I think the Venture-X with a $300 credit is an easy to use one time credit and it’s a premium travel card with all the protections. I don’t want to do all the spreadsheets and reminders, they’re a PITA.
Thanks Keith! Yeah, I agree with you. Those mid-tier cards get you some pretty amazing perks for not a lot of buy-in like the Bonvoy Boundless, Hilton Surpass/Business, and Chase WoH. Those hotel cards are really nice for those FNAs, depending on the situation and as cards to use at the respective properties when you stay there. The higher AF cards require not only a higher buy-in, but sometimes even more perks that can become overwhelming, depending on the card. Personally, I'm ok with using a basic spreadsheet, but when I have to spend more than a "reasonable" amount of time, that's when I get a little frustrated, especially if I'm paying a high AF (looking at you Amex Platinum, haha)
Great way to organize the different setups! Definitely makes it easier to evaluate which cards you should be keeping or getting rid of. Great meeting you in Vegas!
Thanks Manny! Yes, organization is key - especially when you get a lot of cards, and it becomes difficult to manage! Great to meet you as well - was a fun time!!
Love this video Stan! I’m fairly new to the CC game so this helps organize my own setup. Group 1- Capital One Duo, which is essentially a hybrid setup… and strong in many categories. I use my S1 a lot Group 2- I guess technically my VX will be both 1 and 2 since it has an annual fee and I use it as a catch-all so I monitor it closely Group 3- CFF based on the rotating categories, which I mainly use for Q1 and 3. Pretty much my entire Chase trifecta is on the bench unless it’s SUB year
Nice Torrance! That's a great group of cards. Yeah, I think the VX fits in both that core setup and that secondary setup since it also has that priority pass membership and access to the C1 lounge. The 2X makes it a solid card in the core setup too! It's pretty solid to have the Chase Trifecta on the bench as a backup setup in case you want to switch it up from Capital One as your main!!
Really interesting video here Stan, and I strongly agree with a lot of your points! The beauty of the Credit Card Game is there's always opportunities to pivot (similar to how you are doing with BofA & adding the U.S Bank Reserve for example), and I definitely think my Core CC Setup is going to look drastically different at different stages of my life. I'm really warming up to Category 2, and wanting to be more of a Hotel Card Free Agent for added flexibility to choose the best hotels in each area I travel (your videos have definitely been a huge help for learning more about Marriott & for wanting to dive more into the Marriott ecosystem!). Great video as always Stan! P.S: Thanks so much for the shoutout!
Of course, Matt! Happy to shout out one of my favorite creators 😁! And yes, pivoting is one of the most important things not only with credit cards, but also with many things in life. Being flexible is one way to continually improve your setup. As you said, when your life changes, your credit card setup will change as well, and since you're in this game and have a lot of familiarity with the different credit card options, you can pick the path that would be the most ideal for your situation at that time! I'm also happy that I was able to show you a path forward with the Marriott strategy, at least from the perspective of getting FNAs, and in the meantime, you can continue to be a free agent until you figure out which chain would be the right for you, or if you wanted to remain a free agent forever!
I like it simple and going team travel. Have the Hilton card ,and just got the savor one. I am a college student and got the savor one student card. I doubt this will put me in a bad bucket due to me just being a student. Plan to get the Venture x in a year or so.
Hi Stan. Another great video. Something caught my eye that I'm a bit confused about. Maybe you already talked about this in another video. How are you getting 5.25% on the Bank of America customized cash rewards card? I only get 3%. Also, you mentioned some categories that I don't see with my BOA card---namely cable, streaming, and internet and phone plans.
Hey thanks! Yeah so with BofA cards, if you're a part of the Preferred Rewards program, you can get a boost to your credit card points. Specifically, with the Platinum Honors tier, you get a 75% boost to the base credit card rewards, bringing that 3% multiplier up to 5.25%. Regarding those extra categories, the BofA CCR card underwent a recent refresh that now includes cable, phone, and internet services as categories along with the online shopping category!
@@Greg_D99 Yes! They should be active on your card now, but I would check your own online account to verify. I'm pretty sure by now it's active for everyone.
I see you have both the Marriott Bonvoy brilliant and the chase version of the Marriott card. Is the one lane rule no longer in effect or did you do something special
You can still get cards from both issuers. The only problem is concerning sign-up bonuses where you have to wait 24 months from your last sign-up bonus with a Chase Marriott card to get an Amex Marriot card sign-up bonus and vice-versa. As long as you follow those rules, you can get cards and SUBs from both issuers!
Thanks Stan. GAME CHANGER!!! I have had my brilliant card for a year and really enjoy the 85k FNA. Now I am looking forward to getting that ritz Carlton card
Chase 5/24 only limits Chase card applications, but cards that you get from other banks will add to your Chase 5/24 status (usually only personal cards)
Thank you César! Yes, we can not only organize out credit card core setup, but our elite portfolio as a whole! Was a pleasure meeting you at the meetup bro! Keep up that 🔥 content!
I've watched enough CC gurus to hear plenty of repeated videos. I really appreciate your channel for the fresh take on CCs, in a logical, organized, and brief manner. Keep doing what you're doing! 😁👍
Thanks so much Mitch! I really appreciate that feedback as that is my goal with this channel! I'll definitely keep those videos coming!!
@@TheCreditFrog 4:41 I never thought cell phone providers was a secret gem as part of BofA's 5.25% bonus multiplier
This brings me right back to our Creator Conversations episode. Your thought processes on core vs. secondary credit card setups are something that has really stuck with me since that conversation. For my personal setup right now, I'm building out my secondary setup with hotel cards as we speak!! Keep up the awesome work Stan!!
Oh, and here's my (preemptive) congrats on 5k!! 🎉
Thanks so much Spencer! Yeah, this was the video I was saying that would come out right after our Creator Conversations episode. It's really cool to look at your credit card setup as compartmentalized units because then you can really start seeing the forest through the trees! Excited to see what comes of your secondary setup with hotel cards! Appreciate the support!
As of this comment, I'm 7 subscribers shy of 5k so hoping we get there real soon! 🎉
Frog nice Video on First & second card set up also on your cl nice👍🏿.
@Anthonyjones-pq4ff Appreciate it Anthony! 👍
Question spencer when asking for CL incase will it affect your
Credit score ? What you request a CL incase in get down . What should one do next .I’ve Ask Amex for one on my everyday cash card three X”s in got shot down
Should I apply for another blue cash card in move credit limited over or what . Any suggest thx
Hey look, it’s Matt and Spencer!!! I liked how you named your categories. My favorite name was the “bench” category. Your videos are always thorough without being overwhelming. And btw, your editing is sooooo much improved since your first video. I’m loving all of this growth each of us have had on all fronts.
Amex platinum? I’ll get it one day, and I think I’ll also cry 🤣🤣
Haha yes! Happy to feature two of my favs in the credit card space! Yeah, it really is true though. A lot of us have credit cards on the bench (aka the sock drawer). I really appreciate your feedback on my editing, and yea it has grown so much, thanks to some of your tips of course 🤩! It’s awesome to be able to collab both on and off camera. No rush on the Amex Platinum. By the time you get it, maybe the SUB will have grown to 500k MRs, but 99% of people will also be in popup jail 🤷♂️
Stan I watch this one twice. There was that much info in it. I love the analytical view into your system. I’m also intrigued by a couple of things: One no Chase UR cards and two, the lack of focus any transferable currencies. I’ve oftentimes said that cash back could be a better currency for domestic economy and I also share your thoughts on hotel cards. This video is a winner for me even if I may have 4 different cores (Amex, citi, chase and cash)
Thanks so much Luke! Yeah, I love diving into the strategy when to comes to setups. I’m certainly a big fan of the hybrid setup, which seems to work very well for me. Since I I don’t travel too often internationally, transfer partners are not as important, but for that one time I go every couple of years, I definitely want some form of transferable currency! I try to focus on like 1-2 systems just to keep it simple! Hotel cards are definitely where you get a lot of great value! Glad you enjoyed the video, and it was so awesome to hang with you in person this weekend for the meetup!!
Love this video bro! I’m definitely in the “SUB phase” of my credit card journey, I really only started in April so I’m still fairly new, but you guys have given me YEARS of knowledge up front with these strategies! I already have a plan for what my core cards will be, with a “flex” option, just like you, for a SUB card!
Keep the videos coming bro.
Love your content.
- Ivan
That's awesome Ivan! Knowing is half the battle. I'm glad you're coming up with your own roadmap and strategies. You'll be in such a great position when you're able to get the cards you want to build your own perfect setup 👍!
I always love hearing your rationale behind your decisions. And 5k in less than 24 hours??? Woot woot! 🔥🔥🔥 Looking forward to seeing how your Altitude Reserve and Bilt applications go. 😍
Thanks so much Josh!! Yeah, the why is super important when it comes to credit cards, and what's awesome is that everyone has their own individual why depending on their circumstances so it's always so interesting to see everyone's point of view! Yes, fingers crossed those applications go well! 🤞
Excellent video 👏🏾. Ithink it is very important that analyze and prioritize each card that we have. It can be overwhelming when you open many cards, but creating core groups can make it much easier.
Thanks JP! I totally agree, prioritizing, analyzing, and organizing all of your cards is super important, especially when you reach that critical mass where it becomes a little overwhelming. By creating subgroups, it becomes a lot easier to manage and think about what cards are where, and what to do about them, especially on the ones with annual fees to make that keep or cancel decision. Awesome to meet you this weekend bro 👍!
My core cards are Amex Gold, Amex BCE, CSP, & BofA customized cash. There are a few more cards I want to get in 2024 so this may change. Great video Stan 💥 this was very helpful
Nice setup Mike! Looks like you got a solid core credit card setup!! And you’re just like me having mainly Amex, Chase, and BofA cards. Definitely a lot more cards you can add to your secondary setup or to round out that cored setup as well!
Great video, Stan. For me, I think the sweet spots are the $75-$150 AF cards were they are giving you just one or two credits (free night, tickets, or bags) with some status and the opportunity for a nice SUB and some on going point earnings.
I find myself losing out on the higher AF cards with their credits and having to use them. With that said, I think the Venture-X with a $300 credit is an easy to use one time credit and it’s a premium travel card with all the protections.
I don’t want to do all the spreadsheets and reminders, they’re a PITA.
Thanks Keith! Yeah, I agree with you. Those mid-tier cards get you some pretty amazing perks for not a lot of buy-in like the Bonvoy Boundless, Hilton Surpass/Business, and Chase WoH. Those hotel cards are really nice for those FNAs, depending on the situation and as cards to use at the respective properties when you stay there. The higher AF cards require not only a higher buy-in, but sometimes even more perks that can become overwhelming, depending on the card. Personally, I'm ok with using a basic spreadsheet, but when I have to spend more than a "reasonable" amount of time, that's when I get a little frustrated, especially if I'm paying a high AF (looking at you Amex Platinum, haha)
Great video as always Stan! I appreciate your perspective on long term credit card strategies.
Thank you Josh! I appreciate it that man! Love talking about credit card strategies and setups 👍!
Great way to organize the different setups! Definitely makes it easier to evaluate which cards you should be keeping or getting rid of. Great meeting you in Vegas!
Thanks Manny! Yes, organization is key - especially when you get a lot of cards, and it becomes difficult to manage! Great to meet you as well - was a fun time!!
Love this video Stan! I’m fairly new to the CC game so this helps organize my own setup.
Group 1- Capital One Duo, which is essentially a hybrid setup… and strong in many categories. I use my S1 a lot
Group 2- I guess technically my VX will be both 1 and 2 since it has an annual fee and I use it as a catch-all so I monitor it closely
Group 3- CFF based on the rotating categories, which I mainly use for Q1 and 3. Pretty much my entire Chase trifecta is on the bench unless it’s SUB year
Nice Torrance! That's a great group of cards. Yeah, I think the VX fits in both that core setup and that secondary setup since it also has that priority pass membership and access to the C1 lounge. The 2X makes it a solid card in the core setup too! It's pretty solid to have the Chase Trifecta on the bench as a backup setup in case you want to switch it up from Capital One as your main!!
Awesome video Stan , how you broke down the strategy for credit cards was amazing. It was great talking to you at the meetup👍🏻
Thanks Emmanuel! Yes, it was awesome to talk with you as well! Keep up the great content!
Great breakdown on how to design a CC setup! Thanks for the info + video!
Of course, Jimmy James! My pleasure.
love this perspective, stan!!
Thanks so much Brenley!
Hey Stan, first time watcher. You were brought to my attention from Spencer. Great easy watching g video, happy ro be a new viewer.
Hey, thanks! Spencer is the man, and I love his content! I appreciate your support, my friend!
Almost at 5k subs! 👀 Go Stan!
Thanks Aaron! Yes, it’s very exciting!! Hopefully will hit 5k soon!
Thank you for the video. And thanks for the reminder. I haven't used my discover card in at least 6 months
Of course, Dave! Yes, gotta make sure you use those bench cards, so they don't get auto canceled!!
Stan is living outside of the Matrix in the CC game!
There is no spoon.
Great perspective as always Stan. Will be reviewing my portfolio of cards
Sounds good Dollarman! Very important to keep re-evaluating your credit card setup as a whole. The birds-eye view helps keep things in perspective!
Good stuff Mr. Frog! Your videos always provide great value, and the production quality is impressive!
Thanks Spencer! I appreciate your feedback and support! Feel free to call me Stan (the Credit Frog), haha!!
@@TheCreditFrog you got it Stan! Lol
Nicely done Stan! A thoroughly good video in regards to how to play the game for the long term!
Thanks Sean! I’m all about that long-term strategy, and I’m glad you enjoyed it as well!
Really interesting video here Stan, and I strongly agree with a lot of your points! The beauty of the Credit Card Game is there's always opportunities to pivot (similar to how you are doing with BofA & adding the U.S Bank Reserve for example), and I definitely think my Core CC Setup is going to look drastically different at different stages of my life. I'm really warming up to Category 2, and wanting to be more of a Hotel Card Free Agent for added flexibility to choose the best hotels in each area I travel (your videos have definitely been a huge help for learning more about Marriott & for wanting to dive more into the Marriott ecosystem!). Great video as always Stan! P.S: Thanks so much for the shoutout!
Of course, Matt! Happy to shout out one of my favorite creators 😁! And yes, pivoting is one of the most important things not only with credit cards, but also with many things in life. Being flexible is one way to continually improve your setup. As you said, when your life changes, your credit card setup will change as well, and since you're in this game and have a lot of familiarity with the different credit card options, you can pick the path that would be the most ideal for your situation at that time! I'm also happy that I was able to show you a path forward with the Marriott strategy, at least from the perspective of getting FNAs, and in the meantime, you can continue to be a free agent until you figure out which chain would be the right for you, or if you wanted to remain a free agent forever!
As always incredibly valuable perspective. Thank you!
You’re welcome Ahnon! Glad you found the video helpful!
I like it simple and going team travel. Have the Hilton card ,and just got the savor one. I am a college student and got the savor one student card. I doubt this will put me in a bad bucket due to me just being a student. Plan to get the Venture x in a year or so.
Great strategy! The Capital One Duo is a great setup to have, and it's so simple as well!
@@TheCreditFrog thanks Stan. I like the simple aspect of the setup. I pray to not get Bucketed as a student.
Love your strategy videos!
Thanks LK!
I only roll the sock drawer cards once a year typically around Jan 1st for $1 Amazon Gift cards to keep everything alive
That’s a good call. I say 6 months so if I forget, I have a 6 month buffer to not forget again 😂
Hi Stan. Another great video. Something caught my eye that I'm a bit confused about. Maybe you already talked about this in another video. How are you getting 5.25% on the Bank of America customized cash rewards card? I only get 3%. Also, you mentioned some categories that I don't see with my BOA card---namely cable, streaming, and internet and phone plans.
Hey thanks! Yeah so with BofA cards, if you're a part of the Preferred Rewards program, you can get a boost to your credit card points. Specifically, with the Platinum Honors tier, you get a 75% boost to the base credit card rewards, bringing that 3% multiplier up to 5.25%. Regarding those extra categories, the BofA CCR card underwent a recent refresh that now includes cable, phone, and internet services as categories along with the online shopping category!
@@TheCreditFrog Gotcha. Thanks. Do you know if they will be rolling out the new categories to everyone eventually?
@@Greg_D99 Yes! They should be active on your card now, but I would check your own online account to verify. I'm pretty sure by now it's active for everyone.
I see you have both the Marriott Bonvoy brilliant and the chase version of the Marriott card. Is the one lane rule no longer in effect or did you do something special
You can still get cards from both issuers. The only problem is concerning sign-up bonuses where you have to wait 24 months from your last sign-up bonus with a Chase Marriott card to get an Amex Marriot card sign-up bonus and vice-versa. As long as you follow those rules, you can get cards and SUBs from both issuers!
Thanks Stan. GAME CHANGER!!! I have had my brilliant card for a year and really enjoy the 85k FNA. Now I am looking forward to getting that ritz Carlton card
how are you getting 5.25% back on Bank of America customized cash rewards card isn't the highest 3%
O do you hold a big amount with them in an account than they give you a better percentage back
Yeah, if you're in the Platinum Honors tier, that 3% multiplier becomes 5.25%!
For Chase apply the rule 5/24. Now, for American Express , Capital One and American Bank is the same rule 5/24 ??????????????????????????
Chase 5/24 only limits Chase card applications, but cards that you get from other banks will add to your Chase 5/24 status (usually only personal cards)
The best strategy for all credit cards is to cut them up and use a debit card instead.
Only if you don’t know how to use credit cards. Then I agree!
Did Bilt just end the God trifecta?
I don’t know. I haven’t been keeping track of that.
FIRST!!!!
DAMN IT
I clicked on it too late 😭
@@AhmadKhwajazada hahaha! Yes!!! Better luck next time 🙌🏾
Damn, CJ you have claimed first! Very impressive yet again 🏆
@@AhmadKhwajazada You almost got it!!
First!
Almost Ahmad!! 🥈
👍👍👍👍
💯💯💯💯
Great strategy and strategy overview Stan! Love how you organize and explain the different setups and types of cards. Keep up the great work bro 🫵
Thank you César! Yes, we can not only organize out credit card core setup, but our elite portfolio as a whole! Was a pleasure meeting you at the meetup bro! Keep up that 🔥 content!