The 3 Credit Card Lessons That I Learned in 2023 | My Year in Review
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- Опубликовано: 11 окт 2024
- In this video, I want to review the lessons I’ve learned over the past year to get the best value from credit cards!
It's always a great exercise to reflect on what we’ve learned because there’s always more to learn and room for improvement.
So, let's cover these lessons from events this year so we can all be better prepared to get maximum value from credit cards as we move into 2024.
The first lesson that I learned is that American Express is not for everyone.
American Express has had some changes from this year that are mostly negative, in my opinion, and American Express is becoming a more restrictive issuer, leading you to apply for credit cards in the way that they want you to if you're going to continue to maximize credit card sign-up bonuses.
They're also raising annual fees while adding more coupons to their cards, which are given in semi-annual, quarterly, and monthly credits.
And so, moving into 2024, I believe you have to think critically if an American Express credit card makes sense for you long-term.
The second lesson is understanding that applying for American Express business cards is a great strategy to use while gardening.
Gardening is an essential part of this credit card hobby. However, with American Express business credit cards, you can still garden while getting amazing sign-up bonuses and having no long-term effects on your credit report.
The third lesson that I learned was that your lifestyle will guide you to your best credit card setup.
Even though I had a plan for my credit cards, in the middle of this year, my credit card trajectory changed when I really thought about the best way to get value from my credit cards, and it was great that I was in a position to pivot quickly to get the credit cards that were a better fit for me.
I hope these lessons help you on your credit card journey in 2024!
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Chapters:
00:00 Intro
00:30 Credit Card Year In Review
04:01 What I learned in 2023
12:26 Pushie App
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#creditcard #creditcardtips #creditcardrewards
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Number 3: YES!!!! So many people pick cards because they’re popular or because they work on paper (looking at you, Hyatt and Amex Gold). That’s bass ackwards. The credit card rewards are supposed to turbocharge stuff you’d pay for with a debit card.
For sure! Yeah, I wanted to follow the trend as well, and I think there's some value to listening to people's recommendations, but ultimately, looking inward and auditing how you spend your money is going to guide you to the best credit card setup for you! I 100% agree with your sentiment about credit cards turbocharging purchases you would otherwise put on a credit card!
Any Amex charge card is to capture brand chasing suckers.
I love your perspective and I really appreciate getting back to a more simplistic set up. Looking at my current Amex Cards, I can see some big decisions coming in 2024!!!!
Thank you Uncle Luke!! Yes, simplicity is the key to success as you grow older (IMO) since complexity finds you. We all have some BIG Amex decisions to make in 2024 (pretty sure they're not done changing things up on their side as well). Looking forward to seeing what you do!
Amex had to go. I don’t care if I can chat with their reps online.
Definitely need to re-evaluate the line up every year and drop the cards that aren't a fit anymore. Thanks for the info + video!
For sure Jimmy James!! You got it, and I appreciate you!
last week I signed up for US BAR and very happy I did. 3x on all every day purchases is hard to beat, including Costco :) I still use my 2x card for places that dont take Apple Pay like recently had to pay a medical bill, but my US BAR is my to go card for all tap purchases
Congrats on the USBAR!! 🎉 It's my favorite card at this point and I use it for most of my expenses as well! I use my BofA PR Elite for non-mobile wallet spend and the BofA CCR on online purchases!
Love the evaluation and willingness to cancel 5 Cards this year. Like you said, we should always be re-evaluating our Credit Card Setups and if certain Cards just don't make sense, totally fine to cut them loose and instead focus on the Cards & pivoting your setup to Cards that do (US Bank AR in your case!) Like you, I was definitely disappointed with American Express in 2023 & the restrictions with the signup bonuses & incremental credits are a huge 👎🏽. Great video as always Stan!
Thanks so much Matt! Haha! Not sure if it was willingness to cancel - I just saw that the annual fees were very high and it was time to downsize! And yeah, pivoting your setup can sometimes be a scary thing because in theory it sounds great, but you don't know how it's going to work out in the end (or if you'll even get the cards you want!). Yeah, I hope Amex is done with the statement credits and annual fee hikes, but we all know that this is not the end, but only the beginning.
Stan, Don’t Live Life Without It. 🍻😎
Leo, you're the man, haha! I'm want to take that and trademark it, but I don't think Amex would like that. 🤣
@@TheCreditFrog On a different note, I got a letter today from Capital One saying that because I don’t put too much spent on my Venture X that they will re-evaluate an adjustment to my current $30k credit limit. I only put around $300 spent per month on this card. I only got this card for access to the Capital One Lounge. I really don’t care if they decrease my credit limit but it’s still angry me this type of treatment by C1. There is nothing like Amex and Chase. Cheers 🥂
Capital One doesn't like super prime people like us. It's just the way they are. They want you to to run up the entire CL, and then only pay minimum payments for the next 75 years.
@@TheCreditFrog oh wow!! That is crazy!!! If it wasn’t because of the Capital One lounge at my home airport (IAD) I would have tell C1 to go F.Y.S. Although, I really don’t even need the C1 Lounge, .. I have access to all 10 lounges at IAD. 😊
I don't know what Gardening is. I also have 3 Amex Platinum cards but that'll definitely change in the near future. But having $105 in Uber credits in December worked great for me since I don't rent cars when I travel and we took a trip this month
I'm thinking about trying for the Ink Card even though my chances are very slim. I did beat 5/24 when I was 13/24 so why not give it a try.
Thanks for the Video Stan. It's good to see how all our journeys differ
Thanks Sledge! Yes, you seem to fall in the categories where 5/24 doesn't apply to you, nor does the Amex 5-card rule. In that case, you don't need to garden because there's nothing stopping you! Definitely fun to see the differences in experiences for sure! Good luck on the Ink card - they're welcome offers are solid right now!
Great learnings Stan! As I've said, you're one of the rare few who take such a deep dive into their own lifestyle to adjust strategy and cards when necessary! This is a question I see a ton, and so would be great to hear your opinion - how can "regular" people continue to qualify for more and more Business cards without getting dinged (or because Amex Business cards are special in they do a soft pull usually)!
Thanks so much, Kevin! Yes, I definitely try haha! As for your question, the beauty of Amex business cards is that they usually result in only a soft pull. So there really is no downside to applying for them. Of course, you want to have all your docs if your incorporated so they can be provided, if necessary, or be able to discuss your business with a CS rep if you're a sole prop. Issuers like Chase will hard pull every time you apply so there's some lasting effect on your credit report/credit score. The longer your business has been operating (and bringing in income), the less likely you'll be faced business credit card denials. Hope that answers your question!
Hey Stan, I too am suffering from a bit of the coupon book fatigue. One thing that keeps me from jumping into an eco-system like US Bank's travel portal booking system is just a complete lack of knowledge on their portal/booking process. A review or indepth look at their portal system would be awesome if you'd be allowed to share such information. The other downside is that there is no way to transfer points from, for instance, my Altitude Go card over to the Reserve. Anyways, hope to see more information on your channel and specifically info about US Bank's travel portal, its ease of use, and the pricing as it compares to direct with airlines/hotels etc.
Thanks!
Hey Joshua! Yeah, I'm also not the biggest fan of travel portals so I totally get where you're coming from. Luckily, US Bank has this system called Real Time Rewards (RTR) where you can still get a 1.5X points boost on redemptions with ANY travel purchase. All you have to do is enroll and every time you make a travel purchase, they'll send you a text message if you have equal or more points available to redeem your points against the travel charge. If you say yes, the charge is reimbursed and reflects in your account the next day - so easy!! This works for airlines, hotels, and car rentals so basically eliminates the need to use a travel portal.
This was great to watch! Like a Stan The Credit Frog RUclips Wrapped!
You for sure taught the community a lot of things this year, and started a few trends haha.
Your channel is one I look to for some of the most detailed, and well thought out videos in all of the credit card community, so for that, I thank you!
Thanks so much Tony! I'm really happy that I've been able to share my experiences with the community, and hopefully, we all could learn from that experience. It's cool to think that I started some trends too haha!! I appreciate the kind words, and I love being detailed because that's how we can learn how to effectively accomplish our credit card goals!
Love the year end review. Interesting to hear the how & why of your pivots in strategy. 🐸💰
Hey, I appreciate it bro! Yeah, the why is always so important so we all can learn from each other so we can make some solid moves in 2024 🐸
It's always exciting to see a new episode of your's :) Just had to say that, okay watching now.
Thank you Jennifer! I appreciate you and your comments and critiques!
Wow that’s a really impressive credit card portfolio 😮 Love this year in review style, I’ll be interested to see what changes in 2024 here and on Pushie!
Hey, thanks Olivia! Year-in-Reviews are always super fun to make! I appreciate the support, and I'm looking forward to seeing how Pushie can benefit everyone!
Stan the man! Looking forward to your 2024 game plan. Our strategies deviate significantly but I enjoy your counter perspective and analysis!
Thanks Anthony! No worries, we all should have varying strategies based on our own circumstances so the why is always the most important to reflect on!
Love it! I really like your style, Stan. Your videos are superb.
Thanks Dugroz! Really appreciate it man 👍
Wow all your personal credit limits are crazy high man! That's some motivation right there. Keep up the great work 👍👍👍
Thanks! It took me many years to get there so it definitely wasn't overnight. Just keep getting new cards and those CLIs, and you'll be there before you know it!
Stan this was another very insightful video. I really appreciate your methodical take on credit card setups. It seems to be an ever evolving process.
I modified my setup after 1 of your prior videos to always leave room for a “sub card” since im constantly working on at least 1 new sub each quarter.
Thanks Doc! Yeah, that was definitely an eye-opening moment for me that I never really used a catch-all card because I always had some sort of SUB card going on! That's awesome that you were able to factor this into your setup as well. Right on!! 👍
Nice video Stan! I agree that Amex is becoming a bit of a pain more recently. I think your strategy is so interesting and I love following what you do with each card!
Thanks Jake! Yeah, Amex is the one of the top dogs in the credit card space so it's all eyes on them to see how the influence things. Often times my strategies reflect my reactions to their changes, which can be both good or bad, but ultimately, it's starting to guide me away from annual fee cards.
Same boat on the USbank Reserve, was on my roadmap but wasn't in my roadmap. Was looking for a card and it hit some of the key features I wanted like you described.
I never garden but I guess business cards are like that on the personal side.
You're killing it on the videos, thank you for the content!
Yeah, I never even thought of the USB AR, but once I took a look at my spending, it was a perfect fit! If you ever decide to garden, I highly recommend Amex business cards because of the soft pull situation. I appreciate your support and comments MtnBob! It's my pleasure to provide awesome comments for you and the community! 👍
@@TheCreditFrog Amex biz cards are great. Unfortunately like you I am also capped at 5 CCs. I had to cancel the Delta Reserve to grab the Amazon biz.
Marriot Brilliant next on the chopping block, maybe another Hilton biz is in order 🤔
The Amex statement credits wouldn't be as horrible if they posted correctly. I hate having to constantly contact customer service for missing credits. It's exhausting!
Oh for sure LK! I have to keep monitoring my account so that they post! It can take up to 1-2 weeks sometimes, but luckily except for that period where the Walmart+ wasn't coding correctly, most of my statement credits go through within 2 weeks. I just have to keep track, which shouldn't be my responsibility, but that's Amex for ya!
couponing by its nature is bad. Having to chase reimbursements is nauseating. Bye Amex!
Great video, Stan. American Express is definitely not for everyone and not for myself also. I will later post a video on my channel explaining why it is not good for my international travel needs.
That's great that you know yourself so well! I wish Amex could be for everybody. I guess if you only stick to no annual fee cards, then yes, it could be great, for example, the BCE. That will be an interesting video since Amex MRs are one of the best to use for international travel. Will be interesting to hear your take 👍
Thank you for your comment. Basically, it boils down to no one takes Amex, but there are a bunch of other reasons that I will go into later. Please look later for an update!@@TheCreditFrog
Stan - your critique of Amex has forced me to reflect on the value/money/time coupon book strategies CC companies are now employing. Amex (as you astutely described) has moved towards greater & greater control of the purchasing pattern. I do not like the trend😎 I do not now, nor will I ever equate time with $$. They are not just charging me the higher AFs... they have tacked on a time & distraction tax. I plan to scale back on their products in 2024, excluding their CS Platinum and BBP, everything else is up for re-consideration. The Platinum will survive "solely" because it currently has no real competitor in the luxury international travel space. In 2024, I'll be on the lookout for quality CC products without the added control, time, and coupon distraction taxes. I challenge the industry to produce a "real" Platinum competitor with less couponing. Excellent critique my friend!👍🏾
You are so right, Nksoi! Amex is the one having the last laugh tbh because they're taxing us on our time, and then we pay them an annual fee so we have the privilege of having this tax! It's not super obvious on the surface, but when we look deeper at the situation, this is exactly what's happening. I agree though, I hope to get a BBP to anchor my MR points and scale back my MR point earning cards in 2024. I'm still a Marriott loyalist so I still have a use for the Amex Marriott cards, but the good news is that there are an increasing number of issuers that we can choose from that suits us better. Hopefully, a real contender to the Platinum card emerges soon, but I don't anticipate this until at least 2-3 years from now, but Amex may accelerate this timeline depending on how high the annual fee is by then. I appreciate your support as always! 👍
@@TheCreditFrog "we pay them for the privilege of having this tax" - lol😂 - I couldn't have said it better, and I couldn't feel sillier for allowing them to do it🙃
Thank you for sharing this Lessons with us
You're welcome! Glad you found it helpful.
I'm loving my USBAR with most purchases earning 3x. My physical catch-all, and hear me out, is the Hilton Surpass. It's not an awful card for food, gas, groceries... but the best part is I'm redeeming certificates at Waldorf Cabo for $1500. That's a 10% return, even on non-category spend. For big spenders you can have multiple cards. When I hit 15k I just swap cards and start earning the next certificate. Just a thought before you canel your Hilton card.
Hey Ralph! That's awesome that we have a similar setup with the USBAR capturing most everyday expenses, and then a welcome offer card / benefit card as the catch-all! Your strategy totally makes sense, and that's a great use for the Hilton Surpass card. I think long-term I'll probably keep the Surpass or Business for the $15k FNA. Hopefully the Business doesn't get a quarterly statement credit like the Surpass.
At this point though, I plan to cancel the Business so I have an open Amex slot so I can climb the Hilton ladder (never had a personal Hilton card yet). I also want to take into account that I may get a welcome offer AND the $15k spend bonus on a new Hilton Surpass/Business card which is better than just keeping the old one open 👍!
@@TheCreditFrogMorgan Stanley Platinum too. Our journey is eerily similar. lol
@@ralphyoung8274 Wow! That's awesome. Respect man!
I'm starting to get into American Express business cards since I'm getting close to running out of Chase business cards to apply for haha. I gotta stay under 5/24 for now
Nice Jacob! Yeah, especially since you've exhausted the Ink cards for now, it's a great time to step into Amex and their business cards!
@@TheCreditFrog my wife is targeted for a 150k welcome offer for the Business Gold. I’ve been thinking about getting that one next month for the bonus, but it would offer me basically no benefit in year 2 and beyond
@@JacobsPointsAndProfit If you can make the MSR, I think it would be worth it. I got the business Gold just for the welcome offer. The bonus is that you can lock it in at the $295 AF before they increase it.
@@TheCreditFrog yeah that’s what I was thinking. The lower annual fee would be nice while the welcome offer is so high and then hopefully she would receive a retention offer in year 2. If she doesn’t get a retention offer then I’d cancel and hope that doesn’t land her in pop up jail
Great job! Any news on Wells Fargo transfer partners? Thought they were going to release today.
No…they told TPG 2024. I’m not bitter.
Yeah, WF is just being WF and jumping the gun before their ready 🤣
@@MattClausen Haha Matt, I don't know anyone who wants to know the WF transfer partners more than you!
@@TheCreditFrog it’s become a niche!
Good video. New sub!!
Thank you! Appreciate that!
What is a really good reason to have a card: no annual fee. I can keep them open indefinitely and as long as I use them every year it benefits my credit limit and overall score
Very good points! No annual fee cards are incredibly underrated and really helps simplify things a lot when it comes to getting value back!
I’m setting up to be able to pivot or pounce on any intriguing co-branded cards from Chase since I refuse to get Freedom Cards until there’s changes (I’m selfish…and multiplier fatigue is not something I want to deal with)
Yeah, I think that's a great plan, especially with the fabled high-tier Hyatt card on the rumor board. I'm personally looking more towards Ink cards since they don't add to your personal credit report, and aside from the hard pull, they have great welcome offers and great multipliers in general! May be a great way to go while you garden out for co-branded Chase cards!
@@TheCreditFrog exactly. I got the Ink Unlimited at the beginning of September and have an application pending for the Ink Cash as of Friday (spoiler or something…). Bag those, try to get some referrals, and then wait it out probably. But if approved I’ll have a funky Chase Trifecta.
1000% facts
👍
Stan great video I have a question for you. I was thinking of getting the AMEX Gold business card and so I just wanted to confirm with you if Amex does not do a hard credit pull. I currently don’t have any AMEX cards. Thank you
Thanks Enrique! So with business cards, Amex will do a hard pull if you do not currently have at least 1 personal card with them. My recommendation is to get a no annual fee card like the BCE or Everday card (MR) before applying for a business card so you never get a hard pull from Amex again (as long as you are in good financial standing with them).
Awesome then I get the gold personal card then I will move to 2 % business card. Thank so much
Stan, do you think the Chase Sapphire Preferred or Chase Ink Business Preferred is a better choice? I own 2 companies? Should I open all 4 Ink cards for each company or is that excessive?
As the CSP has no elevated offer now, I would definitely go after Chase Ink Preferred. It has better multipliers, and the welcome offer is way better as long as you can meet the minimum spend requirement. I would go for the CIP first on one company and see how you like it. If you do, you can always get a second CIP for the other company. 200k URs for $16k spend is not too shabby - again as long as that fits in your business's budget. Make sure you're under Chase 5/24 to maximize your chances of approval.
I would avoid the Ink Premier card for now, and only focus on the CIU, CIC, and Ink Preferred since the Premier card doesn't let you transfer UR points to other cards (there are some reports that some have had success doing this, but not everyone). If the Premier card fits your business, then that's ok too, but the other cards are better IMO.
@@TheCreditFrog thank you so much for your insight. Still gardening until June 2025.
I still think 5/24 is stupid but going forward my goal is to always be under 5/24 once I get to it in August 2024. It’s not just Chase but like you pointed out banks like US Bank and WF like it too. Amex seems to be the only ones who velocity doesn’t affect.
Going forward, I only really see myself getting maybe one consumer card. Business cards are such a better product once you build out your core consumer cards.
Haha, yes Chase 5/24 tends to get in the way like that! I'm also trying to get and stay under Chase 5/24 after I get under .. but it's definitely hard, especially because there are still a lot of personal cards I want to get! But I agree, Keith, business cards are definitely the way to go. Better welcome offers, better or similar multipliers, and they don't add to Chase 5/24 (usually)
You still have a Barclays Arrival card. Why? I am thinking about giving mine up after 5-6 years of holding it
It has over a decade of positive history on it. When cards reach that level of power, it's hard to cancel, especially if it's a no annual fee card. It's a major anchor card for my average age of accounts for my credit score.
I’m curious if or why you didn’t ask for retention offers for some of the year 1 cancels.
It's a great question! It's always a balance between value and simplicity. When accepting a retention offer (no matter the value), you have to commit to the card for another 12 months. Personally, I'd be very unhappy if I had to go through another 12 months of monthly statement credits on the Gold/Bus Gold (3 monthly credits per month to deal with). So those cards are canceled because regardless of the offer, I'm valuing simplicity in this scenario.
@@TheCreditFrog gotcha. I agree on the old Biz Gold and the higher fee Biz gold. Also from my experience Biz cards have worse retention offers. Why I cancelled my Biz Plat after year 1. But I got crazy value that first year with a triple dip.
I’ll easily take a retention offer on the personal Gold every time.
American Express Marriott Bonvoy Bevy Card Now Contains ‘Lifetime Language’
Thanks for the tip! Yeah, definitely something that we all saw coming. Fortunately, the Bevy is kind of a 🗑️ card so it’s not a total loss!
All AMEX cards will have that by end of 2024.
If you had to choose between the Hilton Business Card or Aspire card which would you choose? I’m currently over 5/24. I was thinning about the Chase Business Cash card, but the $6K spend is a little high for me.
I would choose Hilton Business. I would get Aspire only if I had Surpass or regular HH first. But I would wait for an elevated Hilton Business welcome offer first. An update to the Hilton Business is imminent and I fully expect one after 1/17/24 when the refreshed personal Hilton offers expire.
@@TheCreditFrog I have both the Honors and Surpass and got the SUBs with one free night award with the Surpass already :)
Wonder if they will restrict new offer to the Green card in the future?
It's not a matter of if, it's a matter of when.
My plan is to eventually have all my AMEX cards with no AF
This is the way.
Hop on the Hilton train!
Will do Mason!!
So, the main takeaway from this is, just apply to whatever give you the most bonus and cancel it after.
I think it's a little more nuanced than that, but that is definitely one main takeaway.
I need increase advice for chase
I made a video about that a long time ago. You can see it here: ruclips.net/video/fOPREWNVFkw/видео.htmlsi=h2KpnLRPkxKrAFjX
I love seeing your thoughts play themselves out. Did your score go down with 5 cancellations?
Thanks Jake! So my score has fluctuated this year between 790s and 810s, but probably not because of cancellations. Out of my 5 cancellations, 3 were business cards and 1 was the Platinum (charge card). I lost some CL when I canceled the Delta 747 Reserve card, but because I already had transferred limit over to a different card, my total CL was minimally affected!
@@TheCreditFrog Gotcha. Thanks. Thoughts on canceling cards that have clear downgrade paths?
@@JakeVanderPloeg That's going to be more of a simplicity decision. Downgrades are preferred if you don't have many cards, or older cards so they can age on your credit report. But if you already have those, and just want to simplify your life, then canceling is the way to go!
@@TheCreditFrog This is a great way to approach it! Thanks Stan!
what's the secret to high credit limits? high income? long history of credit card use? high spend rates? all cards paid off? some other strategy?
I don't know if there's really a secret to it. I think a higher income and length of credit history are probably the ones that are the most relevant. One of my older videos goes into how I was able to get higher credit limits over time, not sure if you've seen it before, but I'll link it here: ruclips.net/video/VjTSGU5Cnmo/видео.htmlsi=skbTkZAJBjrC4Yx6
@@TheCreditFrog I'll definitely check it out
Love this recap... Really shows that cards should be canceled that don't make sense. AF's are a drain. Thank you Stan!!! 🙏🙏
You’re welcome!! Yes, it’s always important to re-evaluate those AF fee cards so they’re not a drain on your wallet and your sanity!
Correction at 5:18. Amex treats virtual all plat cards and many non plat cards as one product family. 👎
Yes, there are many card families that have this language limiting the welcome offers!
First!!
Congrats CJ! You are again first today!! 🏆🥇
Does sharing what your credit cards in your portfolio on RUclips cause any hacking or identity theft problems for you?
No
😮😮😮😮
🤔🤔🤔
The moment you said that AMEX fee increased is justified right away I knew its time to unsub and dislike LOL
Definitely taken out of context, but ok, see you later!
I swear it's annoying the way you speak on your videos butt they are very informative🙄🙄
Oh I’m sorry that you feel that way. Do you have any feedback for me so I can be less annoying?
Not being afraid to cancel a card when it no longer suits my needs has been my biggest lesson in 2023.
Awesome! That's definitely a great lesson to keep in mind, and will keep your annual fees low (as possible) 👍
Stan the man always with world class content! 🔝🫡
Appreciate that Chris!! 😀