What's In My Wallet? 💳 Credit Cards I'll Carry (and Not Carry) in 2024 Second Quarter
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- Опубликовано: 2 апр 2024
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- TRAVEL: www.proudmoney.com/best-trave...
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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to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video.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!
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Our site: www.ProudMoney.com
Contact: Adam Jusko adam@proudmoney.com
(for business/media inquiries only; unfortunately I do not have the time to offer thoughtful answers to the many individual credit & money questions I get by e-mail --- but I do read them and try to incorporate answers to common questions into future videos!
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Support our channel by choosing your next credit card using one of the card links at:
- BEST: www.proudmoney.com/best-credit-cards-on-the-market/
- BALANCE TRANSFER: www.proudmoney.com/best-balance-transfer-credit-cards/
- TRAVEL: www.proudmoney.com/best-travel-credit-cards/
- BEST 0% APR: www.proudmoney.com/best-0-apr-credit-cards-on-purchases/
- CASH BACK: www.proudmoney.com/best-cash-back-credit-cards/
- BUSINESS: www.proudmoney.com/best-business-credit-cards/
- BEST AMEX CARDS: www.proudmoney.com/best-american-express-credit-cards/
- BEST CHASE CARDS: www.proudmoney.com/best-chase-credit-cards/
- BEST CAP ONE CARDS: www.proudmoney.com/best-capital-one-credit-cards/
- BONUS: www.proudmoney.com/best-credit-card-bonus-offers/
- BAD CREDIT: www.proudmoney.com/best-credit-cards-for-bad-credit-unsecured-secured/
- FAIR CREDIT: www.proudmoney.com/credit-cards-for-fair-credit/
(We'll get compensated if you're approved, and we thank you kindly.)
Other ways to support this channel:
- Get a $25 - $250 bonus when you open a SoFi Checking/Savings Account at: www.sofi.com/invite/money?gcp=8cb886d7-c83f-4185-84cd-e22ab14c6464&isAliasGcp=false
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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to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video.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!
I love the start of new quarters because I love to see what my favorite credit card RUclipsrs are using. Since I got the Chase Freedom Flex at the beginning of the year, I’m using it for gas, groceries, dining, and Amazon for this quarter (which is the majority of my spending). Other than that, I’ll be using the Capital One SavorOne for my streaming, the American Express Blue Cash Everyday for non-Amazon online purchases, Walmart, and Sam’s Club, and the Amazon Prime Visa as my catch all card thanks to the Chase checking account bonus I got last year.
Nice video and set up Adam! I just like earlier today got approved for the IHG Premier card from Chase so in my Wallet for 2Q is: IHG card until I hit 3k in 3 months. Other cards in my wallet: CFF(7x at Restaurants), Discover IT(5% gas stations), Capital One Savor One(3% Entertainment), Amex Gold (4x grocery stores) and Venture X might be my catch all card along with the IHG card.
Just got an upgrade for my Blue Cash Everyday for the Preferred ($150 for $1000 spend). Not as great as the standard offer, but im sitting in a holding pattern due to an upcoming vehicle purchase.
Great content as always, thanks Adam!!!
Thank You.
My favourite Credit Card youtuber!😊 Thanks for the video, I am 21 but I am learning the credit card game
Thanks, I appreciate the support! 🙏
Hope you have a good day sir!
Nice selections! My new card in the rotation is the US Bank Altitude Go! ✊
I use it for my heating/cooling. Great rebate!
You still the boombox. I love it😂
7x dinning CFF
5x cable & phone CIC
4x groceries Gold
3x travel Green
2x gas CIC
1.25x miscellaneous V1
My catch all card just became the SoFi Credit Card at 2.2% back because I’m a Plus member (attained by using direct deposit through my employer)
I see you've totally stopped mentioning the Curve card :) Our setups are very similar, one big difference being that I heavily use my Curve card. Yeah, still can't add Visa to it, but it cuts carrying my 6 Mastercards (Savor, Freedom Flex, DC, CC, Rewards+, Premier) and Discover (Discover It) down to carrying 1, and automatically routes purchases based on rules I set up once at the beginning of the quarter. Takes a lot of the guess work out of it for me. Also love the GBIT so I can move purchases around later - for instance, all my dining purchases from the last 30 days only earned 5%, but now I can move them to my Freedom Flex for 7% in this quarter (I don't usually max my categories).
Yes, I don't have a lot of trust in Curve but I know it has its fans!
I've been struggling to use my custom cash for last several months. Gift cards at drug stores for online shopping may be a good use
Just wanted to share that Walmart does trigger the 5% grocery category on the AAA daily advantage card.. (At least my local walmart locations) Love all your content!
Yes, a couple other people have mentioned this, makes the card even better!
The neighborhood Walmarts or regular ones? Curious if it covers regular Walmarts and non grocery spend as well
I'm running amex blue everyday, chime credit builder and a discover it student, hoping I'll get an 800 in the next year or so
If trying to hit a sign-up spend requirement & if there is a 0% APR for 12+ months, I just prepay my phone/internet/utilities bills.
If you can get your spend done by overpaying utilities, do it. That’s my go to.
US Bank allows you to charge utilities and get 5% back. You can do this in two categories but you have to sign up each quarter.
I already got my airline credit and Annual fee posted but even though I have a 5k balance on my card I still haven't gotten the bonus and also the bonus tracker has disappeared in the app ever since I spent over 4k on the card. I'll be paying off the card later on this month. Hopefully I get the bonus next statement date.
I use my Sam mastercard it gets 5% cash back on gas
That's a good one!
And I get it monthly
Hilton Surpass + BILT + Venture X is my main setup.
Out of all of these cards that you mentioned, I only have one that is the same which is the Apple credit card lol
Why don't you get the credit one wander card 10 % on hotel and rental cars and 5% on food and gas plus they have a huge restaurant base that will give you 5% cash back
I usually use the AAA daily advantage at Walmart and it gets me 5%
Good to know, thanks!
A positive comment for the youtube algorithm.
Damn Adam not surprised you have so many cards. Curious what wallet do you use?
Cheapy little minimalist wallet made of nylon. I don't much care about wallets, but it lets me carry about 8-10 cards and is thin and lightweight.
If you have freedom flex, can you transfer your points to your partners sapphire preferred account?
i think i got an email saying it would be 5x back for booking travel with the CCC (don't remember if it has to be on Citi portal) and that should stack with the travel category on CCC itself making it 9x?
Yes, through the Citi Travel portal thru 6/30, good catch!
What was your deciding factor for choosing Citi double cash over the WF Active cash?
None really, just had the Citi card first, the Wells card was a forced change from an old discontinued card.
Would making a purchase at Home Depot with Discover (for a new washer and dryer) count as "home improvement"?
Yes for sure
@@mprubio84 Thank you. I wasn't sure how technical they got with what constitutes as "home improvement"! Lol
I know you're a fan of the AAA Visa, and it was just an accident that you got it. I'm considering it now. How do you redeem points? Cash back to a bank account or statement credit?
You can redeem for both cash back to a bank account or statement credit. It’s a great CC.
I've only done statement credits. The biggest downside is there's no App for the AAA card and the commenity website is atrocious.
Citi cards have such low restaurant limits. Five per cent on the first fifteen hundred dollars would not survive the month with my habits.
I have 42 credit cards.
You only have 16.
Wow!❤
53 here between personal and business, do I need them all no but used responsibly no harm done. They do wonders for your credit score inquiries bounce right off the credit score is bullet proof!
but what is your AAoA? what is your average credit limit? what is your highest CL? it matters more than how much cards you have. Oh what is your fico score? 10 bucks you aren't even over 760.
👍🏻
Amex everyday desperately needs a refresh
No US Bank + for your utilities and Internet?
US Bank never will approve me 🙁
@@ProudMoneyDon't feel bad I went the secured route, it will graduate in a year at least I got my foot in the door ha.
I have AAA card it's 5% at Walmart.
Great! You are the second person to say this, so I assume this is the norm for that card, which is pretty nice!
Is your Walmart what they call a Supercenter or some other format?
@@mitchell.9632 either or
what's the point of all these credit cards ? I have 5 myself and only use 1 of them.
You are missing out on thousands of $$$ in rebates. I keep track with Quicken. It really adds up.
If you normally get 3% cash back in restaurants on the Chase Freedom Flex, and then get 5% in the 2nd quarter in restaurants in the quarterly rotating categories, and you say it's "stackable," that adds-up to 8%, but you are saying it stacks to 7%. Please explain how you arrived at your 7% calculation for this card at restaurants on this card for the 2nd quarter.
Anything over 1% is considered a "bonus" so in reality you are getting 2 bonus points on the 3% and 4 bonus on the 5%, so it is 1+2+4=7
@@ProudMoney With all due respect, that makes no sense to me whatsoever. First of all, why is anything over 1% a bonus? I don't know where you got that from. Why should that lead to getting 2 bonus points on the 3% (that adds-up to 5%), and why should that lead to 4 bonus points on the 5% (that adds up to 9%)?
Read the fine print on Chase and many other reward cards and you will see the reward is often structured as one base point plus bonus points in certain categories. For example, 3 points per dollar is one base point plus two bonus points. When there are two offers stacked, you only get the base point once, not twice. So you get one base point plus the bonus points from each offer. So, a 3% reward stacked with a 5% reward gives you one base point, plus 2 bonus points (from the 3% offer) plus 4 bonus points (from the 5% offer). So, 1 point + 2 points + 4 points = 7 points/7% on those purchases, not 8 points --- because you only get the 1 base point once. I don't know any other way to explain it, but it is well known that this is how it works.
First
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Dave hates you
😃
What do you mean?
@@antoinecharlesdegaulle580 Dave doesn’t like credit cards
Dave uses a one size fits all approach, once folks understand credit it’s no longer the enemy. Makes more sense to educate folks how finances and credit works so it can be used responsibly I have well over 100K available credit never once go over 1% usage it’s called education and discipline.