@@sideeeeeee7870 that was the Premier, the Prestige is their top shelf card they closed applications to a couple years ago but left existing accounts open. Strata Elite is the term they trademarked and is assumed to be an upcoming luxury card release
We've been to 17 countries this year (returned today from Winnipeg), so Citi Strata wins on rental cars (CDW covered overseas), gas, grocery, and dining at 3X worldwide. Amex Gold doesn't travel worldwide.
Yeah for worldwide benefits, the Citi Strata Premier wins in those areas! Wow 17 countries is insane! I've been to 4 over the past year and that feels like a lot to me haha. Good stuff!
Really nice breakdown! I love my OG freedom especially because when wholesale stores are a category I can use it at Costco since it’s a visa and the flex is a MasterCard
You mentioned using the Dunkin credit on the gold occasionally - I'm similar, so I set up an auto load to my dunkin account for the 1st of the month. Loading onto thr app still counts for the credit and it allows you to store that value.
@@greglopez8206you can auto reload on the app, but the minimum to do that is $10 per reload. (More than the $7 per month that you get with AMEX Gold) I just set a repeat event on my calendar to purchase a $7 reload for Dunkin on the first of the month.
The ironic thing is that I don't even have any Capital One cards in my wallet because they won't approve me in the first place for having too many cards! 😂 Still love them though, but come on Capital One haha
@@Daniel_Braun Capital One is so annoying like that. They were my first card but I always hear about the crappy practices they have. Definitely don’t want to upset them lol
Something great about the discover card that I don’t see any talk about is the 10% boost when redeeming cash back for gift cards. Basically redeeming $100 in gift cards will give you a $110 gift card.
Do you cancel cards dude? I have a few credit cards and have had them for quite a bit. Have been doing my homework for quite a bit now and such a weird question I just don’t know is if I should be cancelling if I don’t use or need one anymore. Obviously with no balance. Does it hurt credit?
Interesting. I wouldn’t use most of these cards because I’m at a different place in life which reinforces that we do what is right for us. Great information and I like how you evaluate the cards. I like AMEX platinum, chase sapphire, southwest for companion pass etc.
Thanks for using my code! Glad that you’re were able to get a discount for it. I generally have as much as 6 cards in there at one time - plus my ID and health insurance card. It all fits pretty well with that. It’s super nice quality and gets better and better with age because I’ve used it nonstop for the past 3 years. I love the minimal look of it as well!
Great video as usual Dan, I know this idea doesn't fit the typical theme of this channel but would love to have a video where you and Jackie do another Q/A since being married or even a video on the story of how you guys met, would love some to get a look at the other aspects of your life outside of carrying the credit card game on RUclips :)
I like those ideas! I’m definitely trying to find new ways to work in some more of that stuff as well and I’ve got some videos planned that should cover some of that stuff!
Hi Daniel! New subscriber here... great information, thank you! I cannot find any discussions regarding the strategy on how to obtain the Amex Hilton cards in the bottom up order to maximize welcome bonuses. I plan on going to a Hilton resort in March and would like to have as many Hilton points as possible, as well as their top status, by means of the Aspire card. I believe I can apply for the base Hilton card, then the Surpass, then the Aspire. What I am uncertain of is the timing. I'd like to go for each at their current hi-level welcome bonuses. Do I apply for the base, then wait xxx days/weeks, the go for the Surpass...wait xxx days, the go for the Aspire... thoughts? :) Cheers!
Have you done a video on how you manage budgeting with the spending and making payments across numerous cards? I’m getting into the credit card game and the idea of putting everything on cards seems a little nerve wracking. I know it’s a matter of staying within your means and paying everything off every month but it would be awesome to be able to better understand that process!
Yeah I've made this video on how I use a custom budgeting template that you can download for free: ruclips.net/video/_JBxP_oz2kQ/видео.html I use that template in combination with Rocket Money now because I have a lot of cards and the Rocket Money app helps me to see all of my transactions in one place really quickly. Then I just change all of my credit card due dates to fall on the same day which makes it easy to make sure that I'm always paying off each one in full. If you're going to have multiple cards and worry about getting overwhelmed and losing track of things, then my best advice is to start out slow and see what feels comfortable. Hope that helps!
Do you have a video where you break down what you spend on each card a month? For example it seems like you really like chase and Hyatt, so for 3x back on dining, do you choose your chase card or Amex gold for 4x? Would like to see how you strategize that
I’ve got a “what I spend in a week with 22 credit cards” video in production right now actually! Will be similar to what you’re saying and should be out in another week or two
Hello Daniel, Really love all the videos and the breakdown of all the cards; I have learned a lot about credit points from your videos. If I were to apply for an Amex Platinum, would I still get the welcome offer on platinum considering that I already have the Amex Gold?
What’s the best set up for an Airline Pilot? I get flights for pretty much free, so I only have the Amex Gold, Blue Business Plus, and my first WF card
Just found your channel… super confused. So do you cancel the cards once you’re done using them? When you get them again do you qualify for the sign up bonus offers again or is there a certain amount of time you have to wait to qualify again? Also, I thought canceling cards decreased your credit? I’m soooo confused 😕
Glad you found my channel! So I don’t typically cancel cards - I keep or downgrade them depending on what value they give me. It’s also not always bad to cancel, but it just depends because for example canceling your oldest card is not good because it gets rid of your oldest credit card account which can hurt your credit score But here’s a video that explains more of what the top credit card users do: ruclips.net/video/COL59UVK29Y/видео.htmlsi=j4EbgyBDaR5LL63V
Just mainly using the Ink Unlimited, and occasionally the Ink Preferred. Haven't used the Ink Cash much lately - but the sign up bonuses on all 3 cards have been great!
Yeah I've got some things planned to focus even more on those! There's a transfer partner guide that you can download in this video ruclips.net/video/uIY268QxEGE/видео.html which has a column for the top transfer partners
@@Daniel_Braun heck yeah that would be awesome - I just moved from a United Hub to a Delta Hub and reorganizing my wallet for what I can redeem that still maximizes convenience is on the top of my mind right now
Citi Custom Cash could be great for Home Depot actually! 5% back (really 5x Citi points) per dollar on $500 of spending in top eligible category each billing cycle. And home improvement stores are one of those categories. So if you use the Custom Cash for only Home Depot purchases then you’ll lock that in as you’re highest spend category by default. If not that then yeah a simple 2x card can work just fine as well. I think theres some others that offer 3x on home improvement stores potentially too
Hey Daniel. This was a really excellent video. I’ve been going back and forth on the Amex Gold, so I especially appreciated your analysis of that card. Mine just renewed at the $250 rate, so I’ll keep it for one more year. After that, not so sure. And I’m glad you finally went for the Discover card. It’s hard to beat the first year match, and there are inevitably a few 5% categories during the year that I use. And as always, your graphics are on point! Take care.
Thanks so much Anthony! Glad to hear that you were lucky enough to get the $250 renewal because I missed the cutoff by about a month haha. Definitely hard to beat that Discover cash back match. Thanks for saying that about the graphics as well - my editor is crushing it!
Not sure if they will change anything with the It card if the acquisition is completed. We'll have to wait and see, but I'm curious how everything would go!
Can someone tell me how it works with annual fees and offsetting those annual fees with the credits? Is it just the annual fee is offset because they put the credit amount on the card or do you pay the annual fee and you just use the credits so that it evens out as if you didn’t pay as much? Really would appreciate any explanation!
What about the Blue Cash Everyday Card from American Express, I know it does not earn any amex points but still a good card right? Also whats going to happen to the discover cards now that Capital One has bought them?
Still a very good card for cash back purposes! But for me, I'm focusing mostly on earning points and miles for travel and so there's just better options than that. The Discover it works great for cash back right now because of the 5% multiplier as well as the first year cash back match. And only time will tell what will happen if and when the acquisition is completed! Lots of stuff to speculate about but no one truly knows
That was actually only in one video about a year and a half ago where I did that. A bit of a longer story to explain better than I can in a comment haha. But long story short, kind of a misunderstanding on my part and I've continued talking about Discover in plenty of videos over the past year. Definitely always been one of the best cash back cards and happy to have it after all these years! 👍
@@Daniel_Braun It is indeed a great card, especially for students just get the SSN and its cash back match in the first year! Thank you for the content!
I’m glad you’re jumping on team Discover Boss 💪🏾💪🏾💪🏾 Just one question, do you find any value in Bilt Status??? I’m currently on Blue Status and need to spend $3,000 more, excluding rent, in order to move up into the Silver Status…
Personally I have Silver status until the end of this year and I haven't found it worth it for my uses. Some other people may find value here and there with higher levels of Bilt status, but the only thing I would really want is the elevated transfer rates. Only problem is that those occasional elevated rates are on the first day of the month only and I don't really like to transfer speculatively (prefer to transfer at the time that I need to book and find award space). If you can pretty easily and organically reach Silver then it could be worth trying out, but I'm not personally in a rush to reach status for next year
@@Daniel_Braun I really appreciate your insight on the Bilt Status structure!!! I’m got the card originally to have access to American Airlines😩 and Hyatt until I’m able to apply for the Chase Preferred in July of 2025…
I was shocked at your positive take on the chase quarterly categories for this quarter! I thought it was complete garbage. But I get what you’re saying. I was hoping for Costco which was last quarter last year. I finally got a Costco membership recently with the chase $20 back with new Costco membership. They really tricked me !!!
Yeah personally I've always found the Q4 PayPal category to be one of the best on the Freedom Flex - but obviously going to be different for everyone depending on spending habits
Initial thoughts are that this could be a really really good cash back option for someone willing to switch over some assets to US Bank. Up to 4% cash back on everything is outstanding! Going to talk about it in more detail once the card launches
@@Daniel_Braun man, I have been living in US for 7 years, and never thought about Credit Card game, I had only 1 Chase card and 4k limit, but then I looked at other bloggers who came only 1-2 years ago to US and they already have 15k+ limit, then I found you, and learnt everything about Credit Cards , in 2024 I applied for 3 cards, Amex Blue, Apple Card, Chase Sapphire Preferred, now I have 30k+ limit, and 760 credit score, I’m 35 years old, thanks for sharing really important information 🙏🙏🙏🙏
Not sure honestly because the card is still new. Could be an option after having it for 1 year, but product changing under 1 year is usually not an option. I was able to product change my Wells Fargo student credit card to the Active Cash, so they do allow certain product changes
From my understanding, you put the Amex down on your Resy account, and paying with the card at a restaurant that’s on Resy will trigger the credit as a statement credit.
@@Daniel_Braun Oh nice! (Context why I was jokingly asking, Joe Barreto mentioned you on his live stream how tall you were and how Spencer wasn't haha)
Haha I figured it was probably something in reference to the New Orleans meetup! Yeah I’m definitely taller than most people expected when I met everyone in person 😂
Yeah I personally love when PayPal is a Q4 category. Hahaha definitely going to be posting more pictures of him - just picked him up the other day and he's great!
Was Discover generous with your credit limit? Im considering either that or the freedom flex to complete my chase trifecta but unsure which one to get first. I got an invitation email for the flex recently.
They were pretty good - got a $10,000 limit but I don't really need anything super high. I think the Freedom Flex is the better card overall because the points are more valuable than cash back if used correctly - but you I think it's worth it to have both cards in the end
Can you do a video comparing the gold card and the sapphire preferred? I’m debating between the two, gold kind of makes more sense for me especially since there is a 90k point bonus rn. But I have 100k+ chase points, so I’m not sure what to do. Thanks!
I personally think everyone should get the Sapphire Preferred at some point to take advantage of at least the sign up bonus on that card. Could always downgrade after a year if it’s not worth the annual fee anymore. If the Amex Gold makes sense with the credits then also a good card to pick up later on as well. I wouldn’t worry about the offers because Amex always seems to running good ones 👍
Chase closed all 3 of my credit cards, and an investment account bc I said I hoped someone brings a gun to their office on an online survey review lmao
Five guys is loaded with peanuts everywhere and peanut oil - and unfortunately I'm deathly allergic haha. So never gonna use that, but I do use Grubhub from time to time. Very rarely though so I don't value it in my expectatons
If you watch the whole video you'll see that I give new context for different updates in my wallet setup. I understand that I make these wallet updates every quarter, but I only keep making them because people choose to watch them. If that ever changes then I'll stop making them, so it's pretty simple. No hard feelings if you choose to pass on watching these wallet updates, but just wanted to give you the full picture of it 👍
@@Daniel_BraunIt's easy to focus on the haters. Don't pay him too much attention. IDK what he's expecting, as if you would be rotating out 5 cards every quarter. I personally find these updates interesting and the consistency adds credibility, if anything. Some of these other RUclipsrs are out here chasing every new card that drops with affiliate links and it's impossible to know if they're actually giving out tips or selling something... Anyway, thanks for the video Daniel! I always appreciate these. Best of luck to you and P2 on next year's house hunt!
@@HspncAt7heDisco Thank you for saying all of that! Yeah I like to say that my message has always been very consistent in my content, and it's all out there going back to 2021. So to me I think these wallet updates are valuable to make and I've organized them into a playlist as well. Thanks again - and yeah hopefully we'll get a good house if everything works out well next year!
Buying a house next year could be a great idea! Rates are starting to go down and inflation too. Great cards and strategy Daniel, thanks for the detailed overview!🫵
Something great about the discover card that I don’t see any talk about is the 10% boost when redeeming cash back for gift cards. Basically redeeming $100 in gift cards will give you a $110 gift card.
Yeah my wife has done that before when she's had cash back and was planning to spend money on something covered by the gift cards they offer. Definitely an underrated option, so thanks for commenting!
Citi should make the strata premier a metal card
Agreed - really no reason not to. It feels cheap when I got it, not premium
Saving that for the Prestige/Elite relaunch/release
@@Adiscretefirmthey recently redid and rebranded the card
@@sideeeeeee7870 that was the Premier, the Prestige is their top shelf card they closed applications to a couple years ago but left existing accounts open. Strata Elite is the term they trademarked and is assumed to be an upcoming luxury card release
1st world problems 😂
We've been to 17 countries this year (returned today from Winnipeg), so Citi Strata wins on rental cars (CDW covered overseas), gas, grocery, and dining at 3X worldwide. Amex Gold doesn't travel worldwide.
Yeah for worldwide benefits, the Citi Strata Premier wins in those areas! Wow 17 countries is insane! I've been to 4 over the past year and that feels like a lot to me haha. Good stuff!
CONGRATS ON THE DOG SO CUTE 👏 Also have the freedom 5x Grocery/Gas Offer it's awesome!
Thank you!! And nice, that was such a great offer so I’m hoping Chase runs that again at some point for more people to take advantage of!
Really nice breakdown! I love my OG freedom especially because when wholesale stores are a category I can use it at Costco since it’s a visa and the flex is a MasterCard
Yeah very good hidden info to know about with Costco's limitations! Worth it to downgrade into an OG Freedom for that main reason
You mentioned using the Dunkin credit on the gold occasionally - I'm similar, so I set up an auto load to my dunkin account for the 1st of the month. Loading onto thr app still counts for the credit and it allows you to store that value.
I did the same thing a few days ago too :)
I've heard that as well, so I might as well do the same!
How do you set that up?
@@greglopez8206you can auto reload on the app, but the minimum to do that is $10 per reload. (More than the $7 per month that you get with AMEX Gold)
I just set a repeat event on my calendar to purchase a $7 reload for Dunkin on the first of the month.
Always love these what’s in my wallet updates. Need these every month!!
Capital One: “What’s in your wa-”
0:02 Daniel: “So here’s what’s in my wallet..”
Capital One: “👀✍️”
lmaooo
The ironic thing is that I don't even have any Capital One cards in my wallet because they won't approve me in the first place for having too many cards! 😂
Still love them though, but come on Capital One haha
@@Daniel_Braun Capital One is so annoying like that. They were my first card but I always hear about the crappy practices they have. Definitely don’t want to upset them lol
@@Daniel_Braun Capital one is really strict on how many cards you, for some reason.
Solid setup. Always love hearing your thoughts Daniel! Hope you’re doing well!
Thanks Jake, appreciate it as always man! Hope all is well with you too
Something great about the discover card that I don’t see any talk about is the 10% boost when redeeming cash back for gift cards. Basically redeeming $100 in gift cards will give you a $110 gift card.
That card setup is way to busy for my taste. Give me Capital One savor, Citi custom cash, and Citi double cash and lets call it a day.
Do you cancel cards dude? I have a few credit cards and have had them for quite a bit. Have been doing my homework for quite a bit now and such a weird question I just don’t know is if I should be cancelling if I don’t use or need one anymore. Obviously with no balance. Does it hurt credit?
Interesting. I wouldn’t use most of these cards because I’m at a different place in life which reinforces that we do what is right for us. Great information and I like how you evaluate the cards. I like AMEX platinum, chase sapphire, southwest for companion pass etc.
Great breakdown. Love the simple math evaluations!
Thank you! Glad to hear you liked that 👍
When you say amex gold back in your wallet, you dont mean getting new amex gold, just didn’t use it for a while. But you still have to pay the fee.
For groceries, is there any reason you don't have / use the American Express Blue Cash Preferred?
I use that card for supermarkets only! Already this year I got back twice the annual fee in cash
Love your transparency!
Thank you! Transparency is always my goal 👍
Citi card cannot offset the $100 hotel credit cause they overcharge on their travel site…. Planning to cancel prefer the capital one Savour card
Great video! Love hearing about your setup
Thank you! Always fun to share these updates
Always appreciate your content. Have learned so much!!!!❤❤❤congrats on the dog!!!!!!
Thank you for all of that! Really appreciate it and glad to hear you've learned a lot!
Looking at the thumbnail I suddenly figured out Daniel's REAL strategy: THOSE ARE OTHER PEOPLE'S CARDS!
😂 lol you caught me!
I just used your code for the Andar Apollo ! How many cards generally do you keep in it total as it still looks pretty minimal!
Thanks for using my code! Glad that you’re were able to get a discount for it. I generally have as much as 6 cards in there at one time - plus my ID and health insurance card. It all fits pretty well with that.
It’s super nice quality and gets better and better with age because I’ve used it nonstop for the past 3 years. I love the minimal look of it as well!
Hey Daniel quick question I recently just got married and we would like to open a joint account. Any recommendations on which bank to pick and why?
Great video as usual Dan, I know this idea doesn't fit the typical theme of this channel but would love to have a video where you and Jackie do another Q/A since being married or even a video on the story of how you guys met, would love some to get a look at the other aspects of your life outside of carrying the credit card game on RUclips :)
I like those ideas! I’m definitely trying to find new ways to work in some more of that stuff as well and I’ve got some videos planned that should cover some of that stuff!
@@Daniel_Braun love that, cant wait to see it man!
Hi Daniel! New subscriber here... great information, thank you! I cannot find any discussions regarding the strategy on how to obtain the Amex Hilton cards in the bottom up order to maximize welcome bonuses. I plan on going to a Hilton resort in March and would like to have as many Hilton points as possible, as well as their top status, by means of the Aspire card. I believe I can apply for the base Hilton card, then the Surpass, then the Aspire. What I am uncertain of is the timing. I'd like to go for each at their current hi-level welcome bonuses. Do I apply for the base, then wait xxx days/weeks, the go for the Surpass...wait xxx days, the go for the Aspire... thoughts? :) Cheers!
Have you done a video on how you manage budgeting with the spending and making payments across numerous cards? I’m getting into the credit card game and the idea of putting everything on cards seems a little nerve wracking. I know it’s a matter of staying within your means and paying everything off every month but it would be awesome to be able to better understand that process!
Yeah I've made this video on how I use a custom budgeting template that you can download for free: ruclips.net/video/_JBxP_oz2kQ/видео.html
I use that template in combination with Rocket Money now because I have a lot of cards and the Rocket Money app helps me to see all of my transactions in one place really quickly. Then I just change all of my credit card due dates to fall on the same day which makes it easy to make sure that I'm always paying off each one in full. If you're going to have multiple cards and worry about getting overwhelmed and losing track of things, then my best advice is to start out slow and see what feels comfortable. Hope that helps!
Do you have a video where you break down what you spend on each card a month? For example it seems like you really like chase and Hyatt, so for 3x back on dining, do you choose your chase card or Amex gold for 4x? Would like to see how you strategize that
I’ve got a “what I spend in a week with 22 credit cards” video in production right now actually! Will be similar to what you’re saying and should be out in another week or two
@@Daniel_Braunawesome! Your tips have helped me a lot so thank you for making these videos!!
@tylercaracanas8690 love to hear that! Thanks for watching!
Hello Daniel, Really love all the videos and the breakdown of all the cards; I have learned a lot about credit points from your videos. If I were to apply for an Amex Platinum, would I still get the welcome offer on platinum considering that I already have the Amex Gold?
What’s the best set up for an Airline Pilot? I get flights for pretty much free, so I only have the Amex Gold, Blue Business Plus, and my first WF card
Just found your channel… super confused. So do you cancel the cards once you’re done using them? When you get them again do you qualify for the sign up bonus offers again or is there a certain amount of time you have to wait to qualify again?
Also, I thought canceling cards decreased your credit? I’m soooo confused 😕
Glad you found my channel! So I don’t typically cancel cards - I keep or downgrade them depending on what value they give me. It’s also not always bad to cancel, but it just depends because for example canceling your oldest card is not good because it gets rid of your oldest credit card account which can hurt your credit score
But here’s a video that explains more of what the top credit card users do: ruclips.net/video/COL59UVK29Y/видео.htmlsi=j4EbgyBDaR5LL63V
Great video. Not doing the ink train to get more UR points?
Just mainly using the Ink Unlimited, and occasionally the Ink Preferred. Haven't used the Ink Cash much lately - but the sign up bonuses on all 3 cards have been great!
Love the Andaz in Amsterdam!
It was such a unique looking hotel but I liked it a lot! Great location for getting around the city as well
One thing that would be super cool is potentially giving a quick reminder on any big travel partners associated to these rewards programs!
Yeah I've got some things planned to focus even more on those! There's a transfer partner guide that you can download in this video ruclips.net/video/uIY268QxEGE/видео.html which has a column for the top transfer partners
@@Daniel_Braun heck yeah that would be awesome - I just moved from a United Hub to a Delta Hub and reorganizing my wallet for what I can redeem that still maximizes convenience is on the top of my mind right now
Thanks Daniel! I enjoy your content. I’m new to the cc game and learning a lot from you.
Thank LaToya! Appreciate you watching and glad to hear that you're learning stuff from the content!
@@Daniel_BraunYou’re welcome, Daniel. Can I just say that I really appreciate the correct spelling of my name with a capital T. lol 😆
@@latoyaunderwood8239 Haha no problem! Always wanna make sure I'm spelling names the proper way!
What if your rent provider charges a 3% fee on your rent for BILT
Every rent provider does that - but that’s the benefit of the card because Bilt covers that fee for you
How long should I wait if I were to downgrade my CSP to the CFU to prep for the CSR?
Any Good credit card for Home Depot? Should I use 2x ?
Citi Custom Cash could be great for Home Depot actually! 5% back (really 5x Citi points) per dollar on $500 of spending in top eligible category each billing cycle. And home improvement stores are one of those categories. So if you use the Custom Cash for only Home Depot purchases then you’ll lock that in as you’re highest spend category by default.
If not that then yeah a simple 2x card can work just fine as well. I think theres some others that offer 3x on home improvement stores potentially too
I see Citi refers to 'Points' and 'Thank you Points'. Are they the same thing?
can you do another redemption video please? Like how you paid for the Amsterdam trip.
Hey Daniel. This was a really excellent video. I’ve been going back and forth on the Amex Gold, so I especially appreciated your analysis of that card. Mine just renewed at the $250 rate, so I’ll keep it for one more year. After that, not so sure. And I’m glad you finally went for the Discover card. It’s hard to beat the first year match, and there are inevitably a few 5% categories during the year that I use. And as always, your graphics are on point! Take care.
Thanks so much Anthony! Glad to hear that you were lucky enough to get the $250 renewal because I missed the cutoff by about a month haha. Definitely hard to beat that Discover cash back match. Thanks for saying that about the graphics as well - my editor is crushing it!
@@Daniel_BraunThey truly are! It’s so awesome to see far you’ve come since the “early days” of a few years ago. Really happy for your success.
@@anthonygardner400 Crazy how fast time flies since then haha - always appreciate the support since those early days!
With the Capital One merger with Discover, I wonder how much longer they will keep the IT card in their portfolio?
Not sure if they will change anything with the It card if the acquisition is completed. We'll have to wait and see, but I'm curious how everything would go!
Can someone tell me how it works with annual fees and offsetting those annual fees with the credits? Is it just the annual fee is offset because they put the credit amount on the card or do you pay the annual fee and you just use the credits so that it evens out as if you didn’t pay as much? Really would appreciate any explanation!
Sweet Speedmaster
Thank you! My favorite (and so far only) quality watch I have right now
amex is not used in Asia mastercard is much better
What about the Blue Cash Everyday Card from American Express, I know it does not earn any amex points but still a good card right? Also whats going to happen to the discover cards now that Capital One has bought them?
Still a very good card for cash back purposes! But for me, I'm focusing mostly on earning points and miles for travel and so there's just better options than that. The Discover it works great for cash back right now because of the 5% multiplier as well as the first year cash back match.
And only time will tell what will happen if and when the acquisition is completed! Lots of stuff to speculate about but no one truly knows
Does Discover finally approve content creators to mention them on RUclips? I remember you blacked it out on previous radios
That was actually only in one video about a year and a half ago where I did that. A bit of a longer story to explain better than I can in a comment haha. But long story short, kind of a misunderstanding on my part and I've continued talking about Discover in plenty of videos over the past year. Definitely always been one of the best cash back cards and happy to have it after all these years! 👍
@@Daniel_Braun It is indeed a great card, especially for students just get the SSN and its cash back match in the first year! Thank you for the content!
I’m glad you’re jumping on team Discover Boss 💪🏾💪🏾💪🏾 Just one question, do you find any value in Bilt Status??? I’m currently on Blue Status and need to spend $3,000 more, excluding rent, in order to move up into the Silver Status…
Personally I have Silver status until the end of this year and I haven't found it worth it for my uses. Some other people may find value here and there with higher levels of Bilt status, but the only thing I would really want is the elevated transfer rates. Only problem is that those occasional elevated rates are on the first day of the month only and I don't really like to transfer speculatively (prefer to transfer at the time that I need to book and find award space).
If you can pretty easily and organically reach Silver then it could be worth trying out, but I'm not personally in a rush to reach status for next year
@@Daniel_Braun I really appreciate your insight on the Bilt Status structure!!!
I’m got the card originally to have access to American Airlines😩 and Hyatt until I’m able to apply for the Chase Preferred in July of 2025…
You have very good information but your video always seem to be in hyper drive speed! I have to reduce the play back speed every time 🙂
Amex gold has silly coupons. They gave you a donut for $325 lol 🤦♂️
I know, it’s a bit ridiculous. I wonder if the folks at Amex get a good laugh about that joke of theirs.
I be pulling up to dunkin with my gold card 😤😤
Nah but ngl it's a great card for college/gradschool
I was shocked at your positive take on the chase quarterly categories for this quarter! I thought it was complete garbage. But I get what you’re saying. I was hoping for Costco which was last quarter last year. I finally got a Costco membership recently with the chase $20 back with new Costco membership. They really tricked me !!!
Yeah personally I've always found the Q4 PayPal category to be one of the best on the Freedom Flex - but obviously going to be different for everyone depending on spending habits
You can stack the dunkin credits !!!!! Just an FYI for anyone who doesn’t know 3:33
Great video 📹 👍
Thank you as always for that!
What are we thinking about US Bank Smartly???? Need to know your thoughts
Initial thoughts are that this could be a really really good cash back option for someone willing to switch over some assets to US Bank. Up to 4% cash back on everything is outstanding! Going to talk about it in more detail once the card launches
Thank you 🙏🙏🙏
Thanks for watching!
@@Daniel_Braun man, I have been living in US for 7 years, and never thought about Credit Card game, I had only 1 Chase card and 4k limit, but then I looked at other bloggers who came only 1-2 years ago to US and they already have 15k+ limit, then I found you, and learnt everything about Credit Cards , in 2024 I applied for 3 cards, Amex Blue, Apple Card, Chase Sapphire Preferred, now I have 30k+ limit, and 760 credit score, I’m 35 years old, thanks for sharing really important information 🙏🙏🙏🙏
Can we downgrade the wells fargo autograph journey to the normal journey one, I contacted the bank they said you can’t.
Not sure honestly because the card is still new. Could be an option after having it for 1 year, but product changing under 1 year is usually not an option. I was able to product change my Wells Fargo student credit card to the Active Cash, so they do allow certain product changes
Great video! How do you use your Resy credits? Isn’t Resy just for booking free reservations? Trying to justify the Amex Gold
From my understanding, you put the Amex down on your Resy account, and paying with the card at a restaurant that’s on Resy will trigger the credit as a statement credit.
You just go to a restaurant that is listed on Resy and you pay for your bill with the Gold card. No reservation required.
The real serious question is, how tall is Daniel Braun?
If you guess correctly then I'll tell you haha
@@Daniel_Braun haha, 6’3”???
@@soapa4279 You pretty much got it! 6'4"
@@Daniel_Braun Oh nice! (Context why I was jokingly asking, Joe Barreto mentioned you on his live stream how tall you were and how Spencer wasn't haha)
Haha I figured it was probably something in reference to the New Orleans meetup! Yeah I’m definitely taller than most people expected when I met everyone in person 😂
CFF for Q4 is the best for this year so far in my opinion. And I wish I can give you 10k likes instead of 1. So dog video please 🤩🤩🤩🤩
Yeah I personally love when PayPal is a Q4 category. Hahaha definitely going to be posting more pictures of him - just picked him up the other day and he's great!
I'm waiting for one of these credit card RUclipsrs to do a "Whats in my Wallet" videos.....and just pull out a stack of $100's
💸💸💸💸
Sounds like the perfect joke for a future what's in my wallet video hahaha
No Amex Platinum? 🍷🤙
Was Discover generous with your credit limit? Im considering either that or the freedom flex to complete my chase trifecta but unsure which one to get first. I got an invitation email for the flex recently.
They were pretty good - got a $10,000 limit but I don't really need anything super high. I think the Freedom Flex is the better card overall because the points are more valuable than cash back if used correctly - but you I think it's worth it to have both cards in the end
@@Daniel_Braun You are the man! Your videos got me into this game in the first place. Thank you.
Damn I just canceled my chase sapphire. I wish I knew that I could’ve downgraded to a freedom flex
We're at 1.5k! Show us the dog!😂
Coming up in the next video!
Can you do a video comparing the gold card and the sapphire preferred? I’m debating between the two, gold kind of makes more sense for me especially since there is a 90k point bonus rn. But I have 100k+ chase points, so I’m not sure what to do. Thanks!
I personally think everyone should get the Sapphire Preferred at some point to take advantage of at least the sign up bonus on that card. Could always downgrade after a year if it’s not worth the annual fee anymore.
If the Amex Gold makes sense with the credits then also a good card to pick up later on as well. I wouldn’t worry about the offers because Amex always seems to running good ones 👍
@@Daniel_Braun Thank you!
Get and review a Credit One Bank card just for giggles🤣
That's a BIG dog 🐕😳😳
He's about 50 pounds right now but should be getting a little bigger!
Chase closed all 3 of my credit cards, and an investment account bc I said I hoped someone brings a gun to their office on an online survey review lmao
Time to grow up huh?
@@daw7773 nah, I got an amex and chase supports genocide and I still got to use my points. There are no negative downsides to this.
Grow up man
Now we need a "what's in my wifes wallet" video lol
I agree haha - a good future video idea!
HI
Hi
Hi 👋
Get pet insurance!
Philadelphia area ....Yikes
The best city in my opinion! My home city
👍🏻
Thanks as always for stopping by!
There’s no way you don’t use the $10/m at five guys (even tho shake shack was WAY better).
Five guys is loaded with peanuts everywhere and peanut oil - and unfortunately I'm deathly allergic haha. So never gonna use that, but I do use Grubhub from time to time. Very rarely though so I don't value it in my expectatons
@@Daniel_Braun oh that sucks man sorry to hear /:
@@Isaiah094 it’s all good! Luckily I’ve had it my whole life so I don’t have to feel bad about missing out 😂
Too messey
I like this guy's videos but his face makes me angry
Time for some plastic surgery then
Wtf? 😂
Same crap just recycled
Lighten up bro, it’s just RUclips
If you watch the whole video you'll see that I give new context for different updates in my wallet setup. I understand that I make these wallet updates every quarter, but I only keep making them because people choose to watch them. If that ever changes then I'll stop making them, so it's pretty simple.
No hard feelings if you choose to pass on watching these wallet updates, but just wanted to give you the full picture of it 👍
@@Daniel_BraunIt's easy to focus on the haters. Don't pay him too much attention. IDK what he's expecting, as if you would be rotating out 5 cards every quarter.
I personally find these updates interesting and the consistency adds credibility, if anything. Some of these other RUclipsrs are out here chasing every new card that drops with affiliate links and it's impossible to know if they're actually giving out tips or selling something...
Anyway, thanks for the video Daniel! I always appreciate these. Best of luck to you and P2 on next year's house hunt!
@@HspncAt7heDisco Thank you for saying all of that! Yeah I like to say that my message has always been very consistent in my content, and it's all out there going back to 2021. So to me I think these wallet updates are valuable to make and I've organized them into a playlist as well. Thanks again - and yeah hopefully we'll get a good house if everything works out well next year!
Buying a house next year could be a great idea! Rates are starting to go down and inflation too. Great cards and strategy Daniel, thanks for the detailed overview!🫵
Thanks Cesar! Yeah hopefully everything will work out and we’ll find a good house for a good deal!
Something great about the discover card that I don’t see any talk about is the 10% boost when redeeming cash back for gift cards. Basically redeeming $100 in gift cards will give you a $110 gift card.
Yeah my wife has done that before when she's had cash back and was planning to spend money on something covered by the gift cards they offer. Definitely an underrated option, so thanks for commenting!