Found this searching for Hilton biz card videos, but I stayed when I saw the 3 nails shirt lol. Definitely like how thorough you are with all this so I’m excited to check out your videos.
Great video as always! So I’m still hesitant to get a business card but seeing how much I’m missing gets me into more dilemma. Will getting a business card mean that all expenses put on it are business expenses? I don’t really have a business but have a side gig once in a while. There are years when the income of that is zero. Do they have tax implications? Ie. do the card companies send forms to the IRS like banks does for interests gained?
I think it would be better to get another Ink bonus rather than the Hyatt biz. Just apply for another Cash/Unlimited (75k might be 90k again soon) or the the preferred (100k).
Just got approved for the CitiBusiness AA card. My first Citi card with no relationship. Pulled my Equifax which was 795. Currently at 8/24 with my personal cards. Applied and denied for the personal version of the Platinum Select card last September. So I waited to apply for the business side.
The American Airlines card looks like a pretty good one. I've been thinking about getting a business airline card since I don't have one yet and American miles seem more valuable than many other airline currencies
It's definitely a decent option! Their currency is really valuable for the domestic side of things for sure, so I wouldn't be mad if I could lock in a welcome bonus with them 🤷🏼♂
Hey William! I would definitely look into some of Amex's business cards like the Amex Blue Business plus or one of their cobranded cards depending on your goals. With their business cards (and personal cards actually), you shouldn't get a hard pull if you already have Amex cards in your setup which is a pretty awesome perk!
Great video Spencer! Always looking forward to your roadmaps. If the Hilton Business gets updated in the near future, that would be the card I'd recommend you get, kind of how you explained it - definitely much more helpful IMO than the the Hyatt cards. Hilton Gold is a great benefit to have! It will also put you in a great spot with one less inquiry when you eventually decide to pull the trigger on the Citi Premier card. I would probably apply for the Citi Premier before you start putting a bunch of hard pulls on your credit report with those other cards, except, of course, the Hilton Business, which is an Amex card, which is why it should go first - but we have to wait until it gets refreshed!! And don't get me started on WF since their new products have been delayed for many months as well!
My first Hilton stay I was shocked at how many points I got using the 2X booking option on BWI Embassy Suites. Plus I got the $50 quarterly Surpass benefit. Nice toe in the water;
Thanks so much for the detailed answer man! What you listed here is really my ideal roadmap. I actually just had a ton of spend come up really quick and didn't apply for a new card in time, so I'll likely just sit on my hands for now in hopes that that the Hilton Business gets updated. It's definitely better to add less cards than more if I want that Premier bad enough! Thanks again for all the help brotha!
Love your road map! Hate how much power Chase has over us with the 5/24 status It makes us have to work around. Also, Citi forcing us to go into gardening our credit cards 🤣. My wife has a citi double cash she's had for over a decade, so she will be the one going down the Citi route. She will most likely apply for the custom cash and then the premier later in the year.
I had no idea that the Citi Premier was a difficult card to get approved for. Im still a couple years out for applying to it, but I'll definitely consider how I get there more-- Great Video!
For 2024, 20k on 500 CFF with 5x gas and grocery bonus and CFU with double match bonus. - Give that CFF has Q1 grocery category, these stack to 9x on all grocery so gift cards to Amazon and home improvement stores everytime I go. With CFU I'm getting 6x on dining and just booked a flight through CTP for 10x. Take that Amex Gold + Platinum.
Excellent video! I always do appreciate creators’ roadmaps and what they are thinking about when picking the cards. With the product change to the ritz Carlton, wouldn’t that affect the ability to get the bonus on the bonvoy brilliant?
Thanks Joe! I'm glad you found it valuable! That's a great point though. Getting the Ritz card would lock me out of the bonus for the Brilliant, but I'm not personally in the hunt for the Brilliant card right now. If I ever am, I'll downgrade the Ritz card again. I wouldn't need both of their highest annual fee cards for my travel habits.
@@SpencerJohnsonOfficial ah I see. It is a valid point you make tho. Still getting the gold status which I would value the most and sapphire lounge access 👀. Gonna most likely pick up the boundless to start the product change in year 3
Long term I have concerns If I get a hotel card with a 35000 night certificate if it will be something my wife and I will want to use. .a year ago I was thinking of the WOH for mgm and vegas. But then I was thinking of Marriot for the same reason and seem disappointed with both in this possible use. I may just get a mgm or ceasers credit card to inspire them to want to comp me rooms.
While the Amex BPP and Amazon Prime Biz aren't bad cards themselves. They waste a valuable 5-card limit, especially since you're churning SUB. I would cancel them if I were you.
Love these roadmap / spreadsheet style videos Spencer! The AAdvantage card is a great play, as AA miles are some of the most valuable out there. I'm trying to fly business class to Japan with my AA miles but argh the lack of award availability. Also, wanted to clarify if you'll still apply for the Citi Premier if the SUB at the time is still 60k points? I'm always torn with such decisions, like yes there might've been multiple past instances of an elevated SUB, but you can't know when or even if there will be another.
That's awesome to hear man! They're some of my favorite to make for sure. I'm still undecided on the AA card just for inquiry purposes, so we'll see about that one. As for your redemption, that award availability can definitely be hard to find, so I feel you! For the Premier card, it's very possible I apply whether there's an elevated offer or not. It just kinda depends on how eager I am to keep the roadmap rolling. If there's nothing I want soon after, I'd have more reason to wait.
Personally, I'd be looking at a USBAR card if I were that low on the 5/24 basis. I've had a Double Cash for years (before they converted it from cash to TY points), and I just can't get excited about Citi. I'm avoiding the $95 AF and complexity of a 4th ecosystem, but I don't create content on the cards. Citi experiential content would probably do better than USBAR content.
I could definitely see that card being a part of my end game setup, but I'm not in a huge rush for it just yet. It's definitely worth considering though! The Premier is mainly an addition to get my Citi points out to transfer partners, but it'd likely get downgraded to another Custom Cash eventually.
You guys think it’s a good idea to try and apply for the Bilt Mastercard and the CFU at the same time with 6 or 7 (I don’t remember) previous inquiries? My scores range from 730-749 across the 3 major bureaus.
I can't say for sure if it's a good idea for you or not, but my one word of advice is to apply for the one you want more first, that way if you only get one, you get the one you really care about. Both of those are solid cards though!
Great video! I had previously overlooked the citi AA cards. We live near a Delta hub and have preferred either Delta, bank points, or just buying cheap flights on Fronteir. However, I've started to realize the American Airlines points are actually really valuable. A 7500 point flight would be 12000 points through British Airways. So, I like that. I just got approved for the AAdvantage Platinum, so we'll see how it goes!
Thank you so much man! AA points are definitely super valuable, kind of like Hyatt on the hotel side. Congrats on the new card btw! You'll need to let me know how you like it 👊🏼
While I do think that the Citi Premier is a trash travel card, I do want it for the ability to transfer out Citi points and the SUB. I'm gonna try for it when I'm 0/6 in April and if successful grab the Custom Cash later. Fun video!
The only reason I want it is for that transferability to be honest... I don't love my odds, but like you, if I wait long enough I'm hoping I'll be okay. We'll see!
I've read that it's important to have 3 business card companies reporting your business cards to business card credit reporting companies (D&B, etc). I have a Chase (well several) business card, and a BofA business card (Alaskan Airlines) and I'm considering the Citi business AA card. I don't really need 2 airline cards, but I *do* need to get reported on 3 business card companies. Am I thinking correctly? Is there a better way?
If I'm being honest, I've never heard of that personally, but that doesn't mean it's not true. I worry less about the business reporting and only look to add cards that actually make sense for my setup, but everyone's goals are different.
Can't wait to get my hands-on a Bonvoy Boundless next year to start working toward that PC Strategy that you'll be prioritizing as well. Great video as always Spencer!
Looks like a good road map, Spencer! Those hotel and airline cards will definitely come in handy for you. My roadmap for this year will be mostly travel cards. I plan to get a Marriott card and I may try for the Hilton Surpass card this year because I would like to get the welcome offer on it in the event that I get an upgrade offer on my Hilton Honors card. Hopefully, you have good luck with getting approved with Citi! Citi keeps sending me offers on the Diamond Preferred card, the Rewards+ card, the American Airlines Mile-up card, and the Citi Premier card. The only reason I’m not applying for any of them is because of 5/24.
I appreciate that John! I'm glad to see you get into the travel side of the credit card game a bit more this year! You'll have to keep me updated on your redemptions for sure. I wish I was having the same luck as you with those mail in offers from Citi haha. You're living the dream over there! If 5/24 wasn't a thing, this roadmap would look a lot different for sure as I'm sure yours would too. Thanks for the comment as always man!
Also looking to product change to the Ritz card this year from the Boundless. But just keep in mind that it will lock you out of the welcome offer from the Amex Bonvoy Brilliant. Feel like that’s a card that pairs really well with the Ritz
That's awesome! That's a great point though. I'm not in the hunt for the Brilliant card right now, but if I ever am, I'll downgrade the Ritz card again. I wouldn't need both of their highest annual fee cards for my travel habits.
I love this roadmap video! You mention 5/24 rule a lot , it would be great to know what your roadmap would be if you were not restricted to that. Cheers !
i'm inspired by this video and stan's goals on marriott bonvoy free night award from both chase and amex's cards. i would like to make my own as well and set a date, but my scheduling is messed up right now due to me traveling, which i will not be able to make a certified copy for my passport in passport canada and getting itin
That's great to hear this video inspired you! I'm in the midst of Stan's Marriott strategy myself. I hope you're enjoying your travels and get all of your documentation figured out!
I have an 800 plus credit score and my second oldest card was a Citi card. 10 year history. They declined me for the Premier and the reconsideration line was no help. I gave up and upgraded an older card. Good luck with that.
I definitely need all the luck I can get! I don't have super high hopes fo that card, but since they're inquiry sensitive, I'm hoping that holding off on applications for at least 6-12 months will help me out.
Thank you James! The spreadsheet doesn't give you card recommendations if that's what you're asking. If you want something like that, my affiliate links will direct you to a site where you can do just that! Just navigate to the "card explorer" tab. My spreadsheet does auto calculate stuff like your 5/24 status though.
When I get approved for the WF active cash card later in the next quarter. It’s gonna be a good year and a half before I apply for my next round of credit cards.
I did that for the Ink Unlimited and Bilt cards, but for this go around, probably not. I could see myself doing it again one day though if the cards align!
Nice! I love the road map videos! AA points can be sooooo valuable. Lots of sweet spots! That's one airline card I have on my list... hopefully they don't devalue AA points anytime soon...
Heck yeah man, I'm glad you enjoyed it! The AA card may slide off my list considering a lot of the big chunk of spending I had coming up just passed... we'll see though! I'll always take more points than less 🤷🏼♂
I explained it in a lot more detail in the watch me apply for each card. It mainly came down to really wanting to Bilt card for my new rental, but waiting till I was under 5/24 so I could lock in a Chase Ink card bonus before the 90k offers went away.
these are my favorite because i feel like you are about a year ahead of me in my journey. we have a lot of the same ideas so it’s nice to see you go through it all first 😎
That's awesome to hear cuz that's really exactly why I make them. It's always nice to hear others perspectives on their card additions, especially when they're just a couple steps ahead. Thanks for the comment man \!
You can, but the rate at which you would do so is really poor so I wouldn't ever choose to do that personally. It's technically an option though like you said!
That's one I should likely consider, but I honestly just wouldn't use it a ton with all the other cards I have. One day I'll likely complete the duo to see how that stacks up against my other cards, but that won't be until I have a low velocity and am in need of Cap1 miles.
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If I somehow got first while finishing up an exam on campus that’s absolutely crazy 😭
Hahah I love the commitment, but I hope you prioritized the exam 🤣
Found this searching for Hilton biz card videos, but I stayed when I saw the 3 nails shirt lol. Definitely like how thorough you are with all this so I’m excited to check out your videos.
Great video as always! So I’m still hesitant to get a business card but seeing how much I’m missing gets me into more dilemma. Will getting a business card mean that all expenses put on it are business expenses? I don’t really have a business but have a side gig once in a while. There are years when the income of that is zero. Do they have tax implications? Ie. do the card companies send forms to the IRS like banks does for interests gained?
you look like steve from stranger things
Hahaha I'll take that as a compliment? I get that and the guy from Hunger Games pretty often.
Roadmaps are always fun! Also RITZ GANG 😤
Haha one day I'll join you!
does the product change to Ritz count in the 5/24? lets say youre 4/24 and then you change from Boundless to Ritz wouldnt it be 5/24?
The Citi premier is on my list too . Just got the Citi custom cash .
That's awesome! The Custom Cash is a great one to start with.
I think it would be better to get another Ink bonus rather than the Hyatt biz. Just apply for another Cash/Unlimited (75k might be 90k again soon) or the the preferred (100k).
I could definitely do that! It depends on how much spend I have coming up, but I'd love to add the Ink Preferred at some point.
Just got approved for the CitiBusiness AA card. My first Citi card with no relationship. Pulled my Equifax which was 795. Currently at 8/24 with my personal cards. Applied and denied for the personal version of the Platinum Select card last September. So I waited to apply for the business side.
The American Airlines card looks like a pretty good one. I've been thinking about getting a business airline card since I don't have one yet and American miles seem more valuable than many other airline currencies
It's definitely a decent option! Their currency is really valuable for the domestic side of things for sure, so I wouldn't be mad if I could lock in a welcome bonus with them 🤷🏼♂
have you ever tried the bank of America business cards?
Hi Spencer! I’m at 5/24 also. Thinking about a business card that won’t affect my 5/24. Do you recommend other cards besides Citi premier business?
Hey William! I would definitely look into some of Amex's business cards like the Amex Blue Business plus or one of their cobranded cards depending on your goals. With their business cards (and personal cards actually), you shouldn't get a hard pull if you already have Amex cards in your setup which is a pretty awesome perk!
@@SpencerJohnsonOfficialdoes this imply that no hard pull mean no addon to 5/24?
Wouldn’t recommend the AA card. They just pulled a toooon of flights out of Austin airport. Southwest still remains the dominant carrier there!
That's good to know! A lot of my flights have AA options still, but I'll look into that more. I'd likely go with a SW card if 5/24 wasn't a thing.
Great video Spencer! Always looking forward to your roadmaps. If the Hilton Business gets updated in the near future, that would be the card I'd recommend you get, kind of how you explained it - definitely much more helpful IMO than the the Hyatt cards. Hilton Gold is a great benefit to have! It will also put you in a great spot with one less inquiry when you eventually decide to pull the trigger on the Citi Premier card. I would probably apply for the Citi Premier before you start putting a bunch of hard pulls on your credit report with those other cards, except, of course, the Hilton Business, which is an Amex card, which is why it should go first - but we have to wait until it gets refreshed!! And don't get me started on WF since their new products have been delayed for many months as well!
My first Hilton stay I was shocked at how many points I got using the 2X booking option on BWI Embassy Suites. Plus I got the $50 quarterly Surpass benefit. Nice toe in the water;
Thanks so much for the detailed answer man! What you listed here is really my ideal roadmap. I actually just had a ton of spend come up really quick and didn't apply for a new card in time, so I'll likely just sit on my hands for now in hopes that that the Hilton Business gets updated. It's definitely better to add less cards than more if I want that Premier bad enough! Thanks again for all the help brotha!
Solid roadmap! Thanks for the info + video!
I appreciate you as always Jimmy!!
Love your road map! Hate how much power Chase has over us with the 5/24 status
It makes us have to work around. Also, Citi forcing us to go into gardening our credit cards 🤣.
My wife has a citi double cash she's had for over a decade, so she will be the one going down the Citi route. She will most likely apply for the custom cash and then the premier later in the year.
I had no idea that the Citi Premier was a difficult card to get approved for. Im still a couple years out for applying to it, but I'll definitely consider how I get there more-- Great Video!
For 2024, 20k on 500 CFF with 5x gas and grocery bonus and CFU with double match bonus. - Give that CFF has Q1 grocery category, these stack to 9x on all grocery so gift cards to Amazon and home improvement stores everytime I go. With CFU I'm getting 6x on dining and just booked a flight through CTP for 10x. Take that Amex Gold + Platinum.
Excellent video! I always do appreciate creators’ roadmaps and what they are thinking about when picking the cards. With the product change to the ritz Carlton, wouldn’t that affect the ability to get the bonus on the bonvoy brilliant?
You have to get the Brilliant before you get the Boundless.
Thanks Joe! I'm glad you found it valuable! That's a great point though. Getting the Ritz card would lock me out of the bonus for the Brilliant, but I'm not personally in the hunt for the Brilliant card right now. If I ever am, I'll downgrade the Ritz card again. I wouldn't need both of their highest annual fee cards for my travel habits.
@@SpencerJohnsonOfficial ah I see. It is a valid point you make tho. Still getting the gold status which I would value the most and sapphire lounge access 👀. Gonna most likely pick up the boundless to start the product change in year 3
Long term I have concerns If I get a hotel card with a 35000 night certificate if it will be something my wife and I will want to use. .a year ago I was thinking of the WOH for mgm and vegas. But then I was thinking of Marriot for the same reason and seem disappointed with both in this possible use. I may just get a mgm or ceasers credit card to inspire them to want to comp me rooms.
While the Amex BPP and Amazon Prime Biz aren't bad cards themselves. They waste a valuable 5-card limit, especially since you're churning SUB. I would cancel them if I were you.
That's definitely something I'll consider down the line, but I won't worry about it until I need to. Good points though!
Love these roadmap / spreadsheet style videos Spencer! The AAdvantage card is a great play, as AA miles are some of the most valuable out there. I'm trying to fly business class to Japan with my AA miles but argh the lack of award availability. Also, wanted to clarify if you'll still apply for the Citi Premier if the SUB at the time is still 60k points? I'm always torn with such decisions, like yes there might've been multiple past instances of an elevated SUB, but you can't know when or even if there will be another.
That's awesome to hear man! They're some of my favorite to make for sure. I'm still undecided on the AA card just for inquiry purposes, so we'll see about that one. As for your redemption, that award availability can definitely be hard to find, so I feel you! For the Premier card, it's very possible I apply whether there's an elevated offer or not. It just kinda depends on how eager I am to keep the roadmap rolling. If there's nothing I want soon after, I'd have more reason to wait.
Personally, I'd be looking at a USBAR card if I were that low on the 5/24 basis. I've had a Double Cash for years (before they converted it from cash to TY points), and I just can't get excited about Citi. I'm avoiding the $95 AF and complexity of a 4th ecosystem, but I don't create content on the cards. Citi experiential content would probably do better than USBAR content.
I could definitely see that card being a part of my end game setup, but I'm not in a huge rush for it just yet. It's definitely worth considering though! The Premier is mainly an addition to get my Citi points out to transfer partners, but it'd likely get downgraded to another Custom Cash eventually.
You guys think it’s a good idea to try and apply for the Bilt Mastercard and the CFU at the same time with 6 or 7 (I don’t remember) previous inquiries? My scores range from 730-749 across the 3 major bureaus.
I can't say for sure if it's a good idea for you or not, but my one word of advice is to apply for the one you want more first, that way if you only get one, you get the one you really care about. Both of those are solid cards though!
Great video! I had previously overlooked the citi AA cards. We live near a Delta hub and have preferred either Delta, bank points, or just buying cheap flights on Fronteir. However, I've started to realize the American Airlines points are actually really valuable. A 7500 point flight would be 12000 points through British Airways. So, I like that. I just got approved for the AAdvantage Platinum, so we'll see how it goes!
Thank you so much man! AA points are definitely super valuable, kind of like Hyatt on the hotel side. Congrats on the new card btw! You'll need to let me know how you like it 👊🏼
While I do think that the Citi Premier is a trash travel card, I do want it for the ability to transfer out Citi points and the SUB. I'm gonna try for it when I'm 0/6 in April and if successful grab the Custom Cash later. Fun video!
The only reason I want it is for that transferability to be honest... I don't love my odds, but like you, if I wait long enough I'm hoping I'll be okay. We'll see!
I've read that it's important to have 3 business card companies reporting your business cards to business card credit reporting companies (D&B, etc). I have a Chase (well several) business card, and a BofA business card (Alaskan Airlines) and I'm considering the Citi business AA card. I don't really need 2 airline cards, but I *do* need to get reported on 3 business card companies. Am I thinking correctly? Is there a better way?
If I'm being honest, I've never heard of that personally, but that doesn't mean it's not true. I worry less about the business reporting and only look to add cards that actually make sense for my setup, but everyone's goals are different.
TY for the spreadsheet Spencer! 🎉
Absolutely! I hope it helps!
Can't wait to get my hands-on a Bonvoy Boundless next year to start working toward that PC Strategy that you'll be prioritizing as well. Great video as always Spencer!
I've enjoyed having it for sure! But I'm mainly excited for that PC to the Ritz. Thanks for watching man!
Looks like a good road map, Spencer! Those hotel and airline cards will definitely come in handy for you. My roadmap for this year will be mostly travel cards. I plan to get a Marriott card and I may try for the Hilton Surpass card this year because I would like to get the welcome offer on it in the event that I get an upgrade offer on my Hilton Honors card. Hopefully, you have good luck with getting approved with Citi! Citi keeps sending me offers on the Diamond Preferred card, the Rewards+ card, the American Airlines Mile-up card, and the Citi Premier card. The only reason I’m not applying for any of them is because of 5/24.
I appreciate that John! I'm glad to see you get into the travel side of the credit card game a bit more this year! You'll have to keep me updated on your redemptions for sure. I wish I was having the same luck as you with those mail in offers from Citi haha. You're living the dream over there! If 5/24 wasn't a thing, this roadmap would look a lot different for sure as I'm sure yours would too. Thanks for the comment as always man!
Man, I’m taking a break with credit card applications indefinitely for the time being… very enticing with the sign up bonuses…
I don't blame you! Sometimes you gotta let that credit report cool off even though there are great offers out there.
Also looking to product change to the Ritz card this year from the Boundless. But just keep in mind that it will lock you out of the welcome offer from the Amex Bonvoy Brilliant. Feel like that’s a card that pairs really well with the Ritz
That's awesome! That's a great point though. I'm not in the hunt for the Brilliant card right now, but if I ever am, I'll downgrade the Ritz card again. I wouldn't need both of their highest annual fee cards for my travel habits.
I love this roadmap video!
You mention 5/24 rule a lot , it would be great to know what your roadmap would be if you were not restricted to that.
Cheers !
Oh man, that would be a really fun video to make for sure! Thanks for the idea and thank you for watching this one!
i'm inspired by this video and stan's goals on marriott bonvoy free night award from both chase and amex's cards. i would like to make my own as well and set a date, but my scheduling is messed up right now due to me traveling, which i will not be able to make a certified copy for my passport in passport canada and getting itin
That's great to hear this video inspired you! I'm in the midst of Stan's Marriott strategy myself. I hope you're enjoying your travels and get all of your documentation figured out!
I have an 800 plus credit score and my second oldest card was a Citi card. 10 year history. They declined me for the Premier and the reconsideration line was no help. I gave up and upgraded an older card. Good luck with that.
I definitely need all the luck I can get! I don't have super high hopes fo that card, but since they're inquiry sensitive, I'm hoping that holding off on applications for at least 6-12 months will help me out.
Awesome info, i want to get at least one more card but not sure which one, for your spreadsheet is it auto generate?
Thank you James! The spreadsheet doesn't give you card recommendations if that's what you're asking. If you want something like that, my affiliate links will direct you to a site where you can do just that! Just navigate to the "card explorer" tab. My spreadsheet does auto calculate stuff like your 5/24 status though.
Citi business aadvantage card had 75k elevated offer end of last year. I jumped on that for end of year holiday spendings
That's a great note! I may end up holding off on that one for now, we'll see.
When I get approved for the WF active cash card later in the next quarter. It’s gonna be a good year and a half before I apply for my next round of credit cards.
I feel that! I've applied for a lot of cards in the last couple years, so slowing down doesn't sounds like too bad of an idea
Are you planning to apply for multiple credit cards in the same day from the roadmap?
I did that for the Ink Unlimited and Bilt cards, but for this go around, probably not. I could see myself doing it again one day though if the cards align!
Bear in mind the current Hyatt offers supposedly expire Mar 6
Great point! I won't be able to apply by then so it won't impact me this go around.
Amex Marriott business have 5 night cert just fyi
True! I'm not eligible though because of my Boundless application.
Nice! I love the road map videos! AA points can be sooooo valuable. Lots of sweet spots! That's one airline card I have on my list... hopefully they don't devalue AA points anytime soon...
Heck yeah man, I'm glad you enjoyed it! The AA card may slide off my list considering a lot of the big chunk of spending I had coming up just passed... we'll see though! I'll always take more points than less 🤷🏼♂
What’s the deal with the same-day Bilt and Ink applications?
I explained it in a lot more detail in the watch me apply for each card. It mainly came down to really wanting to Bilt card for my new rental, but waiting till I was under 5/24 so I could lock in a Chase Ink card bonus before the 90k offers went away.
these are my favorite because i feel like you are about a year ahead of me in my journey. we have a lot of the same ideas so it’s nice to see you go through it all first 😎
That's awesome to hear cuz that's really exactly why I make them. It's always nice to hear others perspectives on their card additions, especially when they're just a couple steps ahead. Thanks for the comment man \!
Great job on RUclips ❤
Sweet Three Nails Shirt… Awesome video bro ✝️
They're my favorite! Thank you so much man!
Can’t you transfer points from Marriott? Last resort if needed.
You can, but the rate at which you would do so is really poor so I wouldn't ever choose to do that personally. It's technically an option though like you said!
@@SpencerJohnsonOfficial ohhhhh, ok. Got it. I didn’t realize that!! Thanks for the tip!
Babe wake up! Spencer just dropped
Hahah this is one of my favorite comments to date 🤣🥉
1st 😮😅
Sooo close! 🥈
Is it hard inquiries or new lines of credit that count as 5/24?
New lines of credit.
Thanks. I thought so.
It looks like this was resolved, but just confirming that it's only new personal card accounts that add to your 5/24 count.
No SavorOne?
That's one I should likely consider, but I honestly just wouldn't use it a ton with all the other cards I have. One day I'll likely complete the duo to see how that stacks up against my other cards, but that won't be until I have a low velocity and am in need of Cap1 miles.
👍🏻
👊🏼
First
Welcome back brotha 👑
That Citi Premier is 💪 Citi has been good with me, got the entire Citi Trifecta in 3 months 😂 Great roadmap brotha, keep up the great work!🫵
Not that many people have it so I wanna put it to use!! Thank you for the support as always brotha! 👊🏼