You can support our channel by choosing your next credit card via one of the links below (in other words, we make money if you get approved): [Click "Read More" for Advertiser Disclosure] . - CardMatch™: rebrand.ly/bri5sd2 - Cash Back Credit Cards: rebrand.ly/0hyv755 - Travel Rewards Credit Cards: rebrand.ly/xbs4f9a - Credit Cards For Good Credit: rebrand.ly/3hnmll1 - Credit Cards for Fair Credit: rebrand.ly/kpug6no - Or, use our Amazon.com link: amzn.to/2PpQWoB (As an Amazon Associate, we earn from qualifying purchases.) . ADVERTISER DISCLOSURE: Unless otherwise noted, this channel receives compensation from our partner sites when you click through and are approved for a credit card through the links you see above. Compensation may impact how and where we place these links. While we try to include information on a wide variety of financial companies and products in our videos, we definitely can't guarantee that we've included every company or every available offer. NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
The Citi double cash card makes you wait for that 2%, you have to pay everything off to get the full 2% of your purchases. The problem with this Citi card is you have to spend $1,250 in the statement cycle to clear the $25 reward, that's right the minimum redemption is $25. The quicksilver card, there is no minimum, redeem as often as you want. The rewards come in quick with quicksilver, lol.
Can't do Capital One with that three bureau hard pulls; PayPal Master Card 2% underrated and best between Citi Double and Quicksilver. Really enjoyed your explanation on the bonus strategy. I'm really careful not to spend on purchases i would not normally spend to meet that bonus . I made that mistake couple times, but you live and learn.
Synchrony (PayPal MasterCard) and Citi (Double Cash) neither have a small balance waiver. Capital One (Quicksilver) has a $1 small balance waiver. This nullifies the rewards on the first $51 of spend each month on the Citi/Synchrony cards. Capital One = $1.00 spend = $1.02 cash back Synchrony/Citi = $51.00 spend = $1.02 cash back
I just got the Quick Silver, I noticed it also had a 0% interest balance transfer 15 months as well (kinda hard to notice). Came in clutch to help with my mothers insane 28%ish on her 3200 credit card with Lowes. Not traped by the citi card as you mentioned with purchases! :)
Hey Adam, great video as always keep up the good content. I was wondering if you could be able to do a video of the Amex blue cash everyday vs the cap1 savor one either here or on your main channel😊
Adam, Nice video and good explanation. I did not no that about the double cash and the BT and new purchases. Citibank credit cards aren't all that great. People rave about that double cash card. I prefer the PayPal cashback mastercard myself. I got approved for it and a 1200 dollar limit. Higher then capital one and they still won't raise my limit. Stuck at 600 bucks on my QS. I use the venmo and Paypal cards for most of my out of category spend. And discover card for the first year cashback match. Happy with what I have. Gardening now and you have helped me a lot by talking about treating credit cards like debit cards and only use them for what you have to buy anyway. Been subscriber for 2 years now on proud money. Glad to see this extra channel pickup. Did you see that Petco has a credit card now. Is it good I don't know..lol. love the content.
I can't believe the Sam's Club Mastercard is a better option for travel now than the PayPal offering. I do wonder if Synchrony will sneak that into the Sam's Club offering, though.
Citi Is still better because think about it, if you only using one card you are probably gonna pay your bills with the card too which means you’ll get the bonus right away. Now you are stuck with a 1.5 percent card vs a 2% card which works better in the long run assuming you pay your bills and stuff with the card each month. Also you should probably hold cards longer and not cancel them so citi is still better I feel like. Now compare it to chase unlimited then I would argue chase could be better due to categories possibly
I already took out the quicksilver, but I went for the no-bonus version to be safe and get approved. I'm super thankful for the high limit and approval, but the citi double cash is lowkey better for 2%
The new TD card is giving a $75 bonus on 2% flat, and their business version is giving $150. That means TD starts beating capital one after $10,000 spend.
TD has no small balance waiver. Capital One has $1 small balance waiver. So that'll sink the first $51 spend on your TD card each month right there. Capital One = $1.00 spend = $1.02 cash back TD/Citi = $51.00 spend = $1.02 cash back
That was a good idea on the altitude to maybe get a video to call customer service that was in the comments of that video. Maybe their customer service is like Commodity on that Verizon card and you would have a rant part of the video. But none the less you maybe would get a video to explain what happened.
If you are an existing Capital One customer, they don't do a hard pull. I already had the Capital One Platinum card and then they offered me the Quicksilver with no hard pull.
You can support our channel by choosing your next credit card via one of the links below (in other words, we make money if you get approved): [Click "Read More" for Advertiser Disclosure]
.
- CardMatch™: rebrand.ly/bri5sd2
- Cash Back Credit Cards: rebrand.ly/0hyv755
- Travel Rewards Credit Cards: rebrand.ly/xbs4f9a
- Credit Cards For Good Credit: rebrand.ly/3hnmll1
- Credit Cards for Fair Credit: rebrand.ly/kpug6no
- Or, use our Amazon.com link: amzn.to/2PpQWoB (As an Amazon Associate, we earn from qualifying purchases.)
.
ADVERTISER DISCLOSURE: Unless otherwise noted, this channel receives compensation from our partner sites when you click through and are approved for a credit card through the links you see above. Compensation may impact how and where we place these links. While we try to include information on a wide variety of financial companies and products in our videos, we definitely can't guarantee that we've included every company or every available offer.
NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
Didn't get a hard pull
Thanks for pointing out the balance transfer trap by citi
it's evil
The Citi double cash card makes you wait for that 2%, you have to pay everything off to get the full 2% of your purchases. The problem with this Citi card is you have to spend $1,250 in the statement cycle to clear the $25 reward, that's right the minimum redemption is $25. The quicksilver card, there is no minimum, redeem as often as you want. The rewards come in quick with quicksilver, lol.
Chase Freedom Unlimited over both
Received an off from Citi, I applied and got approved. My credit score only went down 3 points. I'm a happy woman
Can't do Capital One with that three bureau hard pulls; PayPal Master Card 2% underrated and best between Citi Double and Quicksilver. Really enjoyed your explanation on the bonus strategy. I'm really careful not to spend on purchases i would not normally spend to meet that bonus . I made that mistake couple times, but you live and learn.
Synchrony (PayPal MasterCard) and Citi (Double Cash) neither have a small balance waiver.
Capital One (Quicksilver) has a $1 small balance waiver. This nullifies the rewards on the first $51 of spend each month on the Citi/Synchrony cards.
Capital One = $1.00 spend = $1.02 cash back
Synchrony/Citi = $51.00 spend = $1.02 cash back
I just got the Quick Silver, I noticed it also had a 0% interest balance transfer 15 months as well (kinda hard to notice). Came in clutch to help with my mothers insane 28%ish on her 3200 credit card with Lowes. Not traped by the citi card as you mentioned with purchases! :)
How’d I just find this channel of yours?? I usually watch Proud Money. Glad to see there is a lot more content to enjoy!
Hey Adam, great video as always keep up the good content. I was wondering if you could be able to do a video of the Amex blue cash everyday vs the cap1 savor one either here or on your main channel😊
Yep will take a look at that soon, probably not for a couple weeks thougb.
Adam,
Nice video and good explanation. I did not no that about the double cash and the BT and new purchases. Citibank credit cards aren't all that great. People rave about that double cash card. I prefer the PayPal cashback mastercard myself. I got approved for it and a 1200 dollar limit. Higher then capital one and they still won't raise my limit. Stuck at 600 bucks on my QS. I use the venmo and Paypal cards for most of my out of category spend. And discover card for the first year cashback match. Happy with what I have. Gardening now and you have helped me a lot by talking about treating credit cards like debit cards and only use them for what you have to buy anyway. Been subscriber for 2 years now on proud money. Glad to see this extra channel pickup. Did you see that Petco has a credit card now. Is it good I don't know..lol. love the content.
I can't believe the Sam's Club Mastercard is a better option for travel now than the PayPal offering. I do wonder if Synchrony will sneak that into the Sam's Club offering, though.
Citi Is still better because think about it, if you only using one card you are probably gonna pay your bills with the card too which means you’ll get the bonus right away. Now you are stuck with a 1.5 percent card vs a 2% card which works better in the long run assuming you pay your bills and stuff with the card each month. Also you should probably hold cards longer and not cancel them so citi is still better I feel like. Now compare it to chase unlimited then I would argue chase could be better due to categories possibly
Great channel, give it time you will grow!
A better comparison would be the Quicksilver vs Freedom Unlimited, both with bonus.
Doing a discover it. Would be a long term play, but can be very fruitful. If its a card you get right before gardening thanks to double cashback.
I got the secured and got 5% cashbaxk after graduation before my first year cashback match is over
@@TitanFormEren I am going to do it again after I get a few more cards.
Great video thanks. But I think your going to find the City card easier to get then the Cap one Bonus.
I already took out the quicksilver, but I went for the no-bonus version to be safe and get approved. I'm super thankful for the high limit and approval, but the citi double cash is lowkey better for 2%
I pick Door 3: Get Quicksilver, then get Double Cash.
Capital One hard pulls from all three credit bureaus for the approval process even on their lower end cards
Dude capitol one has some sweet deals 10% off macys
That is what not 1 single youtube metion. This card has tons of offers every month. In July it 10% cash back from nike.
WHAT? I shop at be Macy's at least once a month
Always the best videos Adam!
Not that it matters too much but the quicksilver can be a visa or MasterCard. I have the visa version
Which one. Better?
@@arkimwilliamson4429 they are the same
U can upgrade that double cash to a prestige but there is no foreign transaction fees with that capital one
The new TD card is giving a $75 bonus on 2% flat, and their business version is giving $150. That means TD starts beating capital one after $10,000 spend.
TD has no small balance waiver. Capital One has $1 small balance waiver. So that'll sink the first $51 spend on your TD card each month right there.
Capital One = $1.00 spend = $1.02 cash back
TD/Citi = $51.00 spend = $1.02 cash back
That was a good idea on the altitude to maybe get a video to call customer service that was in the comments of that video. Maybe their customer service is like Commodity on that Verizon card and you would have a rant part of the video. But none the less you maybe would get a video to explain what happened.
What is Commodity?
Do you mean Comenity Bank?
@@featherpony Oops. Yes. Good catch!
so i should exhaust all 1.5 + cash back cards before buying 2% cards
So get both cards and get the bonus for quicksilver then use double cash from there on out. Sounds good to me!
Quicksilver got rid of their bonus.
Citi done sent 2 offers in 1.5 mos for this double cash card
I have Amex and Capital One cards! CO deals are always better! That's a huge bonus when choosing a credit card with a bank!
I would like to get the Amex BBP as my "2% everything" card... but first I need a business 😂
If you do tutoring, reselling, gig work, or yard work on the side, you could apply as a sole proprietorship.
You've never sold anything on ebay? Or a garage sale? Never sold anything?
@@featherpony the last time I sold something on ebay was in 2017
@@ezioaltairac I'll see what I can do
@@JoseDiaz-qw7mg So, your sole proprietorship is going a little slow.
WhooHooo!
Credit Cards
Capital one does hard pulls for their cards I don’t like
If you are an existing Capital One customer, they don't do a hard pull. I already had the Capital One Platinum card and then they offered me the Quicksilver with no hard pull.
Get both, meet the Capital One bonus, do all future spending on Citi.