@@SamuelReyes-ub2nc Chase has a guideline where you can only be approved for a credit card if you have had less than 5 new credit card applications within the last 24 months. Hence the phrase "5/24". Sebby uploaded this video on May 24th, 5/24. So 5/24 day is the day that people tend to talk about their Chase Cards. Hopefully this helped.
Yay for Hyatt. I got the WOH card earlier this year when the sign up bonus was higher. I highly recommend especially with their expanding footprint this year. It's a keeper card for sure..
I got my first credit card last week and will probably end up with about 💰$200💰 cash back easily this month 🔥... I love credit cards now ❤ hahahaha... It's time to wait and get to the top credit cards available in the future!!
Yeah I agree with the Starbucks card, I always think it's pointless since I do not go to starbucks often and IMO they do not have the best coffee. I usually go there if it is the only option. Plus those Star rewards are not much, you can only redeem them for drinks and stuff and its alot of stars to get them redeem too.
I just got the slate. I did the no interest in 15 months. It's savings was really good for me. I paid off my credit one and closed it. Plus my cap 1 that never reported. And a green dot secured that I have had for over 2 years. So slate worked for me. The rep said I can upgrade to freedom in 6 months or just get it as additional card from them. My scores are good. I just wanted to get out of debt soon. I don't want to be paying credit card bills when I am 80 on social security. Thanks sebby. Love your videos 😍.
Wow Sebby ... I did a similar ranking scale but I integrated several cards from the business side of my analysis. I can say we're spot-on except for the CSR ... I have both CSP cards on my list. But you have given me something to thing about. Bravo young man well done. 👏
Took your survey But here’s my list. CSR Freedom SW Priority United Explorer Chose SWA and United as they have a heavy presence where I live. Had the Freedom for a very long time. CSR is where I build my points. As for a hotel card, I use the Amex Aspire.
I had 8 new accounts open in less than 24 months and applied for the freedom unlimited and got approved. A week later i applied for sapphire preferred and got approved again. Idk what's going on but i like how it is going.
Definitely love this style of video...not many 15 minute videos hold my attention, but this one had me on the edge of my seat for the duration! I would be stoked if you replicated this model with Amex in the near future.
Awesome video, lots of super good information! A video just like this for ALL the Bank business cards would be awesome, and of course an American Express version would be super useful! Girlfriend and I are very much in the early game, so this year I’ve gotten the CSP, she got the Chase FU, the Ink Cash and she’s gonna get the CSP here in a few weeks! Aside from the Ink cards, I definitely think I want the Hyatt Card as my next personal, and maybe a Southwest one after. Thanks again Sebby!
Chase trifecta plus the WOH card makes by far the most sense for me. I transfer all my points to Hyatt and seem to average 2c/point with basically zero hassle.
Sebby, can you clarify the no perks on the Chase Sapphire Preferred? I was under the impression the insurances, and coverage of this card was comparable to the Reserve!
When speaking about the Freedom card @10:45 you say 5% back could really mean 10% or 7.5% back. I'm new to this but I'm assuming you mean you can potentially get more by transferring your points to your CSP/CSR and redeeming through the UR transfer partners?
First, great video! Love these kind of videos. Second I think a video of the top 30 cards from all companies would be cool. Also maybe a guide on which cards to get in which order. I saw another RUclipsr do something similar where he went with what card you should get first and then kept going. Obviously chase cards were first.
One thing you should probably mention is that for a lot of these csrds ( travel ones for example) you need to have great credit and a long history of credit. The sapphire preffered and Reserved can't be obtained by people(most I should say) that have started building credit for a couple years or just started building
Loved the video. Haven't heard of the Hyatt Card ranked 2nd, so it was good to hear a little about it; will definitely research it now. The Chase Unlimited had been my good to right now ONLY because of the 3% promotion they had recently. Then I transfer points to my CSP card for better UR usage. I'd rank it a tad higher for the first year with its current promo.
Slates benefit of No Balance transfer fee is a huge perk. specially if youre trying to avoid paying interest on a big expense you are paying off of a 0% apr card. I know you dont like that game, but when its nessesary, this card is Huge.
I had a Chase card (can't remember the name) since 1996. It was kept going because I had an annual autopay from it for a credit monitoring agency. Then I discontinued that sometime in the early/mid 2010's. Later, the card morphed into the Slate card. When I continued to ignore the card, the company eventually closed it in 2017.
2/1 Ink Preferred Great bonus...good multipliers depending on spend... Transfer Partners... good downgrade path 2/1. Ink Cash Good bonus... good multipliers....no AF 3. Ink unlimited Good bonus...Same as freedom unlimited...no AF 4. Southwest Good bonus...alright multipliers...no downgrade / PC 5. United good bonus...meh multipliers... no downgrade / PC
sisslims29 guess Because You have to put some kind of Deposit to open the account. Most of the time, They give you the same line of credit of your first deposit. If you send them $500, They will give you a $500 CC. But Capital One is a little different, They will give you a $200 CC and you for a deposit ranging from $29 to $200 depending of your credit...but if you make the first 5 payments on time, They increase your available credit right away. That’s why I have Capital One as the Best Secured card on the market.
Spencer | Sweis12 I have it and it’s not that bad. It’s true that they have few fees but that’s one of the consequences for having bad credit. You just have to make sure to pay your balance every month so You avoid paying interest. The good thing about Credit One is that They report every month to the 3 credit bureaus and They increase your available fast. After you build your credit with those 4 CCs, you can apply for a new one and cancel the one that it’s not working for you.
Very nice video. I have the United explorer card but I'm looking to change because I feel they have too many restrictions on mile usage and I fly United less these days.
@asksebby Great video. I'm looking to get into the Chase CC ecosystem and this video helps. For the 1st Chase card, I'm debating b/w the Freedom vs. the CSP, then upgrade to CSR. What are your thoughts?
CSR for sure is #1. I’m not that sure about SW Priority: many benefits you can get w/o the card (2 free checked bags, free cancellation of award booking, award booking same availability as cash booking), and the annual statement credit and points just slightly offset the annual fee. The companion pass point accumulation is a good reason, but feel that’s too far of a goal at 110K points for me who doesn’t fly domestic that much (and SW is pretty much not international) unless you get the business card too. Good points about the other cards.
Geography and personal habits really can alter rankings of the top cards. Southwest doesn't fly out of our city so that card is of zero value. When we fly, our layovers are short so lounge access is rarely needed and our home airport doesn't have any, so the CSR is less valuable and I personally value an airline card higher to get free baggage. Having said that after a year I will consider upgrading my CSP to CSR to get the higher multipliers and the 1.5% boost. Great video - yes I would like to see more like this.
I’m super new to CC’s and it’s like watching videos on learning a foreign language. I feel like I need to start at the introductory level and work my way up. Should I watch random videos and they will start to make sense or is there an order I need to follow? Sorry to sound so ignorant but I truly want to do this the correct way. Thanks for any help you can provide.
So in debt since early this year -$7000 maxed out on my card, I almost lost my car and credit score decreased but still got $4000 to pay off. After watching this video i think i learnt a lesson.But it didnt take away my card debt oh
Nice fun video. We all have our favorites. These cards become hobbies as much as they are tools to better rewards. It's nice to see your ranking on them. Do Amex next!
Would it be possible to do a current top ten list of credit cards with this type of ranking?I liked the layout.i think that a top ten list of cards with their benefits&weaknesses would be great info.There are so many cards.Who's the real king?(p.s...I just read a review saying that balance transfer is an option,[promotion depending on credit worthiness], with Chase cards. Meaning not a standard function in every card issued like American Express. Is that true? )
hey Sebby, I was wondering if you kept your "SPG" now Marriott Bonvoy card? I am still a bit confused as whether I should keep it or not. There is a $95 fee, however I think it now comes with a yearly free night award. The switch definitely made if more confusing, and I would appreciate some more guidance.
But the Chase slate card offers 0% APR for time period and transfer fee of $0.00. Almost all other balance transfer cards charge a transfer fee. I think Slate is the only one that doesn't.
Amazing video. Im from South Africa and are have no choice of creditcards but love your videos as i am obsessed with points and miles.Wished sumone could share their elite status for hotels in exchange for free safaris in south africa
CSR is my daily driver. Hyatt card definitely worth it. Just got my annual night cert and used it for Santa Bárbara centric otherwise it would be $442.44 so...definitely worth the $75 annual fee. My unlimited card helps me add extra points throughout the year. So... outsized value with all of these cards.
Awesome infos thanks!! Do you know sebby If I can get the chase business credit card, if I'm NOT an American resident and citizen with a business bank account overseas?
Question kind of off topic. I have a player 2. And she has CSR and I have a venture. After we buy our first house in a couple months we will start getting as many sign up bonuses as possible. Is it best to each get each of the chase cards or only one of each card between us. So I’d have CSP and she has CSR etc. or maybe we get opposite cards then refer her to the cards I have and she refers me to her cards?
Would love to see this video again this year. I was super happy to get the IHG premier card but with the recent point devaluation.... it’s just sad. I haven’t even gotten the chance to have fun with the card.
Talking about systems, the Freedom Unlimited is definitely in the top 10, and boosts the 1x non-bonus on the Sapphires. The Chase sextet is a must-have under 5/24 (A flavor of Sapphire, the two Freedoms, an Ink, and any two of the airline/hotel co-brands). Using that, you can get at least 6 cards, pay gross annual fees between $300 ~ $750, and still pass 5/24 on the first go. IMO, the Sapphires are best as quarterbacks, not solo players...but, some people don't or can't juggle 6 cards.
Now we just need a Starbucks Reserve, premium "coffee" metal card. $450 Annual fee, comes with $100 gift card signup bonus, and a free unicorn frappuccino, for each month that your balance exceeds $1,000 in spend. Free bathroom access without purchase.
5/24 day.... nice touch
🤓
I missed that for a second. Clever.
What’s 5/24 day?
@@SamuelReyes-ub2nc Chase has a guideline where you can only be approved for a credit card if you have had less than 5 new credit card applications within the last 24 months. Hence the phrase "5/24". Sebby uploaded this video on May 24th, 5/24. So 5/24 day is the day that people tend to talk about their Chase Cards. Hopefully this helped.
I used my Marriott night in Munich and got a $330 hotel for $95. Solid!
"19. Amazon Rewards" *heads to dislike button*
"Before you hit the dislike button, this is NOT the Amazon Prime card" *stops myself*
Whew! That was close 😂
Hit the dislike button.. just because. I did not or could not stop myself.
I think we define "perks" differently. For the CSP, you have great travel protection and transfer partners.
If you opened a Chase card this month, you’d have an expiration date of 5/24. 😊
Happy 5/24 day fellow credit card nerds
Ummm I didn’t want this to end. Would love to see this with Amex🎷
Yay for Hyatt. I got the WOH card earlier this year when the sign up bonus was higher. I highly recommend especially with their expanding footprint this year. It's a keeper card for sure..
You should do one with Amex
I was gonna suggest the same exact thing.
You should do something similar for AMEX
I got my first credit card last week and will probably end up with about 💰$200💰 cash back easily this month 🔥... I love credit cards now ❤ hahahaha... It's time to wait and get to the top credit cards available in the future!!
Your channel (and others) have helped me fall in love with the CC game. Y’all are the realest.
Thanks Sunshine :)
This morning, I read on reddit "Mr Dimon, tear down this wall!" (referring to 5/24)
Seriously, lol.
As someone currently at 4/24, this is very much appreciated!
Giving a like for the 3 hours or more u put into that excel sheet
Yeah I agree with the Starbucks card, I always think it's pointless since I do not go to starbucks often and IMO they do not have the best coffee. I usually go there if it is the only option. Plus those Star rewards are not much, you can only redeem them for drinks and stuff and its alot of stars to get them redeem too.
More like this, please. Very cool rundown.
Like the ranking videos! Would love to see more for other groups of cards (Amex, early game, Travel, etc).. especially in a 'tier list' format 😉
Please do an UPDATE for
May 2021
Pleaseeeee 🏆
I just got the slate. I did the no interest in 15 months. It's savings was really good for me. I paid off my credit one and closed it. Plus my cap 1 that never reported. And a green dot secured that I have had for over 2 years. So slate worked for me. The rep said I can upgrade to freedom in 6 months or just get it as additional card from them. My scores are good. I just wanted to get out of debt soon.
I don't want to be paying credit card bills when I am 80 on social security. Thanks sebby. Love your videos 😍.
I like the vacuum at 7:37 LOL
Wow Sebby ... I did a similar ranking scale but I integrated several cards from the business side of my analysis. I can say we're spot-on except for the CSR ... I have both CSP cards on my list. But you have given me something to thing about. Bravo young man well done. 👏
I would love an updated version of this in 2022!!!
Really like these videos! Helps to figure out what’s the best for each company. I’d like to see/hear your thoughts on American Express.
1. Platinum
2. Gold
3. Hilton Aspire
Gold
Platinum Schwab
Blue Biz Plus
Bonvoy Biz
Delta Platinum
Chase Sapphire reserve, undoubtably the premium card on the market today!
Took your survey
But here’s my list.
CSR
Freedom
SW Priority
United Explorer
Chose SWA and United as they have a heavy presence where I live. Had the Freedom for a very long time. CSR is where I build my points. As for a hotel card, I use the Amex Aspire.
5/24 rule blows
I had 8 new accounts open in less than 24 months and applied for the freedom unlimited and got approved. A week later i applied for sapphire preferred and got approved again. Idk what's going on but i like how it is going.
Definitely love this style of video...not many 15 minute videos hold my attention, but this one had me on the edge of my seat for the duration! I would be stoked if you replicated this model with Amex in the near future.
Hey Seby maybe a updated version of this video for 2021/2022
This is one of my favorite videos you've done in a while. How would you rank the Ink Preferred against the Sapphire Preferred?
Awesome video Sebastian! I was so happy to see you get a shout out in Graham Stephan’s latest video. 👏
The first time I watched your videos, I didn't know what you were saying. Now I understand. Thanks!
1 - CSP
2 - unlimited
3 - bonvoy
4 - s/w prio
5 - reserve
In the future, can you make an updated version of this ranking?
Awesome video, lots of super good information! A video just like this for ALL the Bank business cards would be awesome, and of course an American Express version would be super useful! Girlfriend and I are very much in the early game, so this year I’ve gotten the CSP, she got the Chase FU, the Ink Cash and she’s gonna get the CSP here in a few weeks! Aside from the Ink cards, I definitely think I want the Hyatt Card as my next personal, and maybe a Southwest one after. Thanks again Sebby!
The Disney points only apply to Disney, something I didn't notice when I signed up for it.
Chase trifecta plus the WOH card makes by far the most sense for me. I transfer all my points to Hyatt and seem to average 2c/point with basically zero hassle.
I've been watching you videos for a while just letting you know graham stephan gave you a plug on his channel
Sebby, can you clarify the no perks on the Chase Sapphire Preferred? I was under the impression the insurances, and coverage of this card was comparable to the Reserve!
When speaking about the Freedom card @10:45 you say 5% back could really mean 10% or 7.5% back. I'm new to this but I'm assuming you mean you can potentially get more by transferring your points to your CSP/CSR and redeeming through the UR transfer partners?
Please do a video on the best "Platinum & Gold duo". Amex Platinum & Amex Gold vs. US Bank Altitude Reserve & US Bank Flex Perks Gold.
Love this! Could you do something similar for Amex?
First, great video! Love these kind of videos. Second I think a video of the top 30 cards from all companies would be cool. Also maybe a guide on which cards to get in which order. I saw another RUclipsr do something similar where he went with what card you should get first and then kept going. Obviously chase cards were first.
One thing you should probably mention is that for a lot of these csrds ( travel ones for example) you need to have great credit and a long history of credit. The sapphire preffered and Reserved can't be obtained by people(most I should say) that have started building credit for a couple years or just started building
Loved the video. Haven't heard of the Hyatt Card ranked 2nd, so it was good to hear a little about it; will definitely research it now. The Chase Unlimited had been my good to right now ONLY because of the 3% promotion they had recently. Then I transfer points to my CSP card for better UR usage. I'd rank it a tad higher for the first year with its current promo.
sebby getting a shoutout from Graham Stephan on his latest video.
Slates benefit of No Balance transfer fee is a huge perk. specially if youre trying to avoid paying interest on a big expense you are paying off of a 0% apr card. I know you dont like that game, but when its nessesary, this card is Huge.
I actually chuckled when you said “5/24 day” nice.
I had a Chase card (can't remember the name) since 1996. It was kept going because I had an annual autopay from it for a credit monitoring agency. Then I discontinued that sometime in the early/mid 2010's. Later, the card morphed into the Slate card. When I continued to ignore the card, the company eventually closed it in 2017.
You have no idea how much your videos have helped me. Thanks a million.
Great video. Can you do this for the Chase biz cards also?
2/1 Ink Preferred Great bonus...good multipliers depending on spend... Transfer Partners... good downgrade path
2/1. Ink Cash Good bonus... good multipliers....no AF
3. Ink unlimited Good bonus...Same as freedom unlimited...no AF
4. Southwest Good bonus...alright multipliers...no downgrade / PC
5. United good bonus...meh multipliers... no downgrade / PC
Preferred
Unlimited
Cash
United
Southwest
I was really confused about the Amazon Card, its a good thing you explained it wasn't the Prime card, I didn't even know they had another card.
Do it with all the issuers like Amex and Citi
Maybe Chase should abolish the 5/24 rule only on May 24th. Maybe I'm on something......,but I might be on to something :)
Wow! Great video. Hoping for more upcoming videos 😊
Confused about how the chase freedom earns up to 10% back sometimes, someone care to explain?
I like these kinds of videos, please continue to do more of them!
Great video. Can you do this for, Chase business cards, Amex personal, And Amex business too?
Top 4 credit cards for ppl with no Credit
1 - Capital One Secured Card
2 - Discover it Secured Card
3 - Credit One Bank
4 - Merrick Bank Secured
How would I know if your cc is secured card? I have 3 out of your 4 card.
I would NEVER reccomend credit one cards. Really bad rates and lots of fees. Just go with one of the secured cards.
sisslims29 guess Because You have to put some kind of Deposit to open the account. Most of the time, They give you the same line of credit of your first deposit. If you send them $500, They will give you a $500 CC. But Capital One is a little different, They will give you a $200 CC and you for a deposit ranging from $29 to $200 depending of your credit...but if you make the first 5 payments on time, They increase your available credit right away. That’s why I have Capital One as the Best Secured card on the market.
Spencer | Sweis12 I have it and it’s not that bad. It’s true that they have few fees but that’s one of the consequences for having bad credit. You just have to make sure to pay your balance every month so You avoid paying interest. The good thing about Credit One is that They report every month to the 3 credit bureaus and They increase your available fast. After you build your credit with those 4 CCs, you can apply for a new one and cancel the one that it’s not working for you.
Credit One is trash. Do NOT get a card with 1% rewards and a Annual fee. Just pay for a secured and build up your credit.
CSP will be much higher on the list after August 16 when they increase bonus categories to 3x and the 100k sign up bonus!
Would love to see an update to this
Very nice video. I have the United explorer card but I'm looking to change because I feel they have too many restrictions on mile usage and I fly United less these days.
I would like more videos like this.
@asksebby Great video. I'm looking to get into the Chase CC ecosystem and this video helps. For the 1st Chase card, I'm debating b/w the Freedom vs. the CSP, then upgrade to CSR. What are your thoughts?
Do this with other credit card companies 🙏🏻
You and this are AWESOME!!!
CSR for sure is #1.
I’m not that sure about SW Priority: many benefits you can get w/o the card (2 free checked bags, free cancellation of award booking, award booking same availability as cash booking), and the annual statement credit and points just slightly offset the annual fee. The companion pass point accumulation is a good reason, but feel that’s too far of a goal at 110K points for me who doesn’t fly domestic that much (and SW is pretty much not international) unless you get the business card too.
Good points about the other cards.
Before IHG devalued their free night, I used mine at the London Park Lane Intercontinental. $550 night for $95.
Sebastian, I think this was a great video. Could you (if you haven't done so already) do one for American Express credit cards?
Always a thumbs up👍. Can you do a video ranking the Amex lineup of cards also???
Video idea: how to find lesser known high-value international F/J redemptions (e.g. UR > Virgin to book ANA, Avios to book JAL)
Geography and personal habits really can alter rankings of the top cards. Southwest doesn't fly out of our city so that card is of zero value. When we fly, our layovers are short so lounge access is rarely needed and our home airport doesn't have any, so the CSR is less valuable and I personally value an airline card higher to get free baggage. Having said that after a year I will consider upgrading my CSP to CSR to get the higher multipliers and the 1.5% boost. Great video - yes I would like to see more like this.
What about the "Ink" cards?
Today almost 3 yrs later it is 5.12.2022...I should edit this when it gets to 5.24
I’m super new to CC’s and it’s like watching videos on learning a foreign language. I feel like I need to start at the introductory level and work my way up. Should I watch random videos and they will start to make sense or is there an order I need to follow? Sorry to sound so ignorant but I truly want to do this the correct way. Thanks for any help you can provide.
So in debt since early this year -$7000 maxed out on my card, I almost lost my car and credit score decreased but still got $4000 to pay off. After watching this video i think i learnt a lesson.But it didnt take away my card debt oh
Would love to see videos like this on all credit cards for other banks. Such as Barclays, Amex, Citi, etc
Nice fun video. We all have our favorites. These cards become hobbies as much as they are tools to better rewards. It's nice to see your ranking on them. Do Amex next!
Grt video...could you do this for American Express and CITI?
no way CSR would still be the top if this list were made again this year.
Would it be possible to do a current top ten list of credit cards with this type of ranking?I liked the layout.i think that a top ten list of cards with their benefits&weaknesses would be great info.There are so many cards.Who's the real king?(p.s...I just read a review saying that balance transfer is an option,[promotion depending on credit worthiness], with Chase cards. Meaning not a standard function in every card issued like American Express. Is that true? )
5/24 day to credit card nerds is like May 4th for Star Wars. May the 24th be with you Sebby!
🤓
hey Sebby, I was wondering if you kept your "SPG" now Marriott Bonvoy card? I am still a bit confused as whether I should keep it or not. There is a $95 fee, however I think it now comes with a yearly free night award. The switch definitely made if more confusing, and I would appreciate some more guidance.
Can you please post the 40 minute video that you made!
But the Chase slate card offers 0% APR for time period and transfer fee of $0.00. Almost all other balance transfer cards charge a transfer fee. I think Slate is the only one that doesn't.
Amazing video. Im from South Africa and are have no choice of creditcards but love your videos as i am obsessed with points and miles.Wished sumone could share their elite status for hotels in exchange for free safaris in south africa
CSR is my daily driver. Hyatt card definitely worth it. Just got my annual night cert and used it for Santa Bárbara centric otherwise it would be $442.44 so...definitely worth the $75 annual fee. My unlimited card helps me add extra points throughout the year. So... outsized value with all of these cards.
Awesome infos thanks!!
Do you know sebby
If I can get the chase business credit card, if I'm NOT an American resident and citizen with a business bank account overseas?
Great information regarding Chase cards
Great content
I have the CFU and started with the Discover It Card. Felt like i made a bad decision but oh well. I did what i did.
Gotta start somewhere most people in the Chase ecosystem also have their first card as a non Chase card. And the It is a great first card.
Good video. I like the rankings
Question kind of off topic. I have a player 2. And she has CSR and I have a venture. After we buy our first house in a couple months we will start getting as many sign up bonuses as possible. Is it best to each get each of the chase cards or only one of each card between us. So I’d have CSP and she has CSR etc. or maybe we get opposite cards then refer her to the cards I have and she refers me to her cards?
You should each get your own Chase cards to maximize bonuses. Don't add each other as authorized users.
Very useful video 👍🏻
Would love to see this video again this year. I was super happy to get the IHG premier card but with the recent point devaluation.... it’s just sad. I haven’t even gotten the chance to have fun with the card.
Agree that it generally sucks but still should cover at least a vacation :)
Talking about systems, the Freedom Unlimited is definitely in the top 10, and boosts the 1x non-bonus on the Sapphires. The Chase sextet is a must-have under 5/24 (A flavor of Sapphire, the two Freedoms, an Ink, and any two of the airline/hotel co-brands). Using that, you can get at least 6 cards, pay gross annual fees between $300 ~ $750, and still pass 5/24 on the first go. IMO, the Sapphires are best as quarterbacks, not solo players...but, some people don't or can't juggle 6 cards.
Fair analysis :)
Now we just need a Starbucks Reserve, premium "coffee" metal card. $450 Annual fee, comes with $100 gift card signup bonus, and a free unicorn frappuccino, for each month that your balance exceeds $1,000 in spend. Free bathroom access without purchase.
0:45 I didn't know there was a difference. I have a chase card. It's blue and it says chase.
Thanks, very helpful
Liked the video. A systems based approach -- or even multi-system -- caters better to your audience, however.