Karet card is not god tier in my opinion, its only for influencers

@Winston0Boogie

Жыл бұрын

Agreed! Some good value I think. I get the 5% on everything at times and choose what you want at 5% but most people wouldn't really be using it.

@michaelkim2147

Жыл бұрын

If 5% unlimited on everything on your top category is NOT god tier then i don't know what is. Everyone has a top category that changes month to month. This card is a no brainer because its unlimited. Jealously Sucks that its impossible for normal people and only for special people/influencers who make shitload of money but doesn't mean its not god tier IMO.

@hockey1freak

Жыл бұрын

Since its only exclusive to these guys im sure some ego is involved "oh look its god tier and only i qualify"

@MrYourecool2

Жыл бұрын

Right? 😂 Citi Custom Cash does the exact same thing with your spending category each month. Aside from the Black Friday crap that they allegedly do.

@Starscreamious

Жыл бұрын

Just looked it up.....not only is it for "influencers" but it's also a business charge card (not a credit card). Ben should have put three *'s on that card. =\

You should do a new video about MYSTICFLIP ! I really like you’re mellow delivery and you seem like you’re very knowledgeable. I watch lots of influencers and you always seem very calculated and know exactly what you’re talking about and understand it. You’re better at explaining complicated things simply, than any other person on youtube keep it up brother!

Amex points are trash unless you use for traveling. No flexibility unless you work around it with the Schwab Platinum version to set a floor of 1.1. Chase earns points at a worse rate but much more flexibility at use and value on the points.

@MichaelMcNeeley

Жыл бұрын

“Unless you use for traveling.” Yes, exactly. Points-earning cards are designed to be used on travel. The fact that the Schwab option exists at 1.1 cpp to cash out is just gravy.

@scarling9367

Жыл бұрын

Kinda agree. I started with the BCE and it kinda sucks that I can't convert to points like Chase or Capital One. Still not a bad deal IMO.

@yurig2530

Жыл бұрын

Yes, Amex sucks big time lately.

The WF autograph is underrated. It’s a point earning card but no transfer partners. I wish they’d integrate with BILT.

@fpl_bailey

Жыл бұрын

Is it the replacement to the Propel except it's visa instead of Amex?

@veezhang6988

Жыл бұрын

@@fpl_baileyyes and I just got force converted.

@ow5966

Жыл бұрын

Facts bro I can't wait until this happen with Bilt

@ow5966

Жыл бұрын

​@@fpl_baileyThe Autograph card is great for cash back.

@ow5966

Жыл бұрын

You can use the Wells points to purchase flights. Only one cent per point though.

Just applied for Venture X this morning and got approved!

@iamdanyc93

Жыл бұрын

🔥🔥🔥

@scarling9367

Жыл бұрын

Noyce

1. Amex 2. Chase 3. Everyone else

When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said...I’ve seen experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that he was able to get out of there and become his own boss MYSTICFLIP

Isn't Karot card only for creators? If so how is that God tier for the average person? Or did they change

The fact that you give Luxury card it's own tier is an automatic like 😂

I'm glad Wells Fargo got moved to Some Good Value. The bank itself may be Lame but the cards are actually pretty good. Active Cash, Autograph, Bilt, and Choice Privileges Select are decent cards.

This is one of the most strategic,insightful videos Ive watched in years I am BLOWN away.I am working on writing an app to help people learn about surprise medical bills and how to avoid them,and I am going to site you and your tips in my app.Thank you S

Nice list, but Citi, Discover, & US bank need to be on their own tier just below Chase & Capital One. Citi shouldn’t be on the same tier as Chase & Discover is better than Barclays & Wells Fargo.

Hopefully Amex doesn't pull a Bud Light/Mulvaney... 17:01 🤣🤣

LOL I saw the bud light 🤣

17:02 so accurate 😂

@shojus

Жыл бұрын

Hopefully Amex doesn't start selling tranny fluid

I’m new to this credit card game 😂 although I could’ve upgraded to the amex platinum when they first announced it, I didn’t see enough benefit to paying the more than double the annual fee compared to the gold which I’ve had for more than 25 years and only took advantage of earning rewards since it came with the card already. Before watching this video I didn’t know about the ways you can use them to match with MGM or other hotel/casinos member loyalty cards so that could’ve been useful. Is there any loyalty program matching available for amex gold holders?

@TheCreditShifu

Жыл бұрын

Gold has access to the Hotel Collection where is you stay two consecutive nights, you get some benefits, Venetian in Las Vegas is bookable through HC.

my oldest card is a credit one that I pay $3.25 a month to own. I have an 826 FICO 8 and less than 1% debt. Even though I can't get it over $1250 credit limit, I have to keep it so my average age doesn't crash.

I like that Bud Light reference. You could have included Target as well.

11:22 the PayPal card is decent. It’s a keeper to me. It’s just that it’s recently kind of overshadowed by the AmEx BCE refresh due to the overlap, although there are loads of services payable via PayPal that the BCE won’t cover. Universal 2% is pure cashback, so somewhat inferior to the Double Cash there, but that’s pretty fine for team cashback.

Hey dude I just wanted you to know that everything you do is necessary and thank you so much for what you do. Its more than just a recovery service, youre helping people. Youre actually the push for me to get my degree in Information Technology so that

I absolutely LOVE this video and the breakdown that youve provided that not many of us has had the privilege of learning early on . Im currently with a low score because of misuse of credit cards . And as hard as try, I cannot seem to understand credit

TD is the Target Red Card at 5%

Not a card, but I financed a motorcycle through synchrony once and I couldn't do anything through a web portal. I had to mail in a form to set up autopay or deal with the slow af robot voice once a month. Overall terrible experience

The confidence you take in your work is really inspiring and amazing,special thanks The time and efforts you had put into deleting all inquiries and collections is beyond excellence.Take my cordial thanks!You are really an efficient, organized and result-

Solid tier listing Ben! I agree that for a frequent traveler AMEX beats out Chase, but Chase has more versatility with their points for someone that might want to skirt the travel/cashback line. If Karat goes in God tier, then I think Chase could make it too. It will be interesting to see if Citi keeps improving. We are still waiting to see what is happening with the new Strata branding.

Love your videos @Jim Carrey 😂❤ lol joking but you really do look like him omgggg

Agree. Except the PayPal and Venmo cards are issued by Synchrony and they're actually way good for cash back. My favorite feature of the Venmo card is sending money to friends from the card and not getting hit with the 3% fee.

Amex as an actual travel card, is garbage, unless you're okay paying with any other card that's actually accepted.

You showed great composure,experience,and thinking while dealing with the issues i had about my credit.Your level of quality work remains unprecedented,Thank you for all your help.Without your hard work,patience,and agility,i wouldn’t have completed raisi

Synchrony's Verizon card is pretty awesome for cash back... 4% gas and groceries, 3% restaurants, no AF, and no FTF

@Slaize

2 ай бұрын

The PayPal card is good though being nerfed. Amazon store card with 5% at amazon and wholefoods is good too.

I used to work at TD Bank and even though they let me keep the extremely low interest rate for employees after I left - their card still sucks.

@slicric131

Жыл бұрын

Their only “good” card is the double up.

You said the Karat card gave Mr Beast 5% cash back? But According to their website, cash back is only 1%-3% depending on the category. Am I missing something? Awesome video btw, new fan!

@TheCreditShifu

Жыл бұрын

Its different for VIP creators, its 3%, 4% and 5%

Great video good to see unbiased views to tier each bank

Hate Wells Fargo if you want but the autograph is one the best cash back cards IMO. In the active cash card is one of the few 2% cards with a sign up bonus

Took a year for me to build my score from mid 400s to 600 where I’m stuck now.I have 2 credit cards, a self account,auto loan.Everything paid on time and utilization 5-10% paid off every month.Thinking of applying for a new credit card or something cause

I drove my first car in my dads name and later went to get a truck in mine after I paid off my first one and drove off the lot with the truck I wanted,its mostly about a good credit score and a loan portfolio helps as well...lenders like to see various f

Citi has quite a bit of hotel partners - Wyndham, Choice, Accor.

@scarling9367

Жыл бұрын

Wyndham is fairly solid. They have a strong presence in the Midwest with Ramadad and Baymounts.

@yurig2530

Жыл бұрын

@@scarling9367 Wyndham is the largest chain in the world. You can also book Vacasa with Wyndham points. Choice is 1:2 transfer ratio, and then 1:4 to Radisson.

MYSTICFLIP is young. Holding almost anything mentioned here is a good hold because the VHS or Beta will only show in time. I want to hold them early. Its sad that most dont think of these things as good future holds instead of being out of the market and bottom hunting. Are we the adopters or are we scavengers? surely one of these layer ones will become the standard and i dont want to sell any of them too early.

@Ben: I think you miss 1 tier called coupon book and that is where AMEX belongs to 😂 Their Platinum and Gold card have high AF, which are hard to justify. A lot of merchant do not accept AMEX and internationally … well just leave your AMEX coupon book at home

Thank you for being there MYSTICFLIP when I wanted you to..... I was lost in this new world that I was hassled to start with ....you not only guided me along the way but you also showed me the proper way....whatever little I have been able to achieve in life is because of you today ..... I want to thank you for being there and showing me the proper way of doing thing for me you are my best guide as you truly showed me the way to life....once again , I would like to tell you a heartfelt thanks for being there.

Has Amex been bumped down because of their newish policy of once in a lifetime signup bonuses?

TD has the Target Red Card. It's the only good card I know of for them.

lol i just got a credit one platinum visa (and a secured Capital one platinum with $49 deposit) . i only plan on keeping the credit one card for a year. just started building credit. seems credit one give you 24 days from the close of the statement which is pretty standard. also i think it is law now for all cards to have at least 21 day "grace period" . and credit one does now have a no fee rewards visa which seems pretty good honestly.

@TheCreditShifu

Жыл бұрын

The law states “if the card provides a grace period, it must be at least 21 days” they dont have to provide a grace period

@iamsean92

Жыл бұрын

@@TheCreditShifu ah i see thanks

@TheCreditShifu

Жыл бұрын

@@iamsean92 but they have got better over the years, and most of their cards now have grace periods, gotta read the terms carefully

@iamsean92

Жыл бұрын

@TheCreditShifu yes the one I was approved for has 24 days. But with a $75 annual fee with 1% back on certain purchases. This is my first unsecured card i had no credit score two months ago. I'm going to call them in a month or two and annoy them enough to where maybe they give me some sort of statement credit.

You could warrant putting Citi down a tier by their main Airline Partnership. Amex points transfer to Delta and Chase points transfer to United, but Citi points don't transfer to American.

People don't trust Wells Fargo cards because they're worried wells fargo themselves might put fraudulent charges on their card

Great video thanks right now I use the united airlines explorer card the best buy card the city rewards plus card and the m life las vegas card from the bank of Omaha.

paypal credit and paypals 2x on everthing card are both threw syncrony i would put them in the some good value catagory for those.

Okay, but how do you rank the rows? Putting best on left, worst on right

@TheCreditShifu

10 ай бұрын

No order to the rows, you can make up your own mind on that

I had literally zero love for Wells Fargo until the Bilt card came out. Good call here, they really changed the game.

I have 2 chapter 11’s that are dismissed.The reason I have 2 is bcz I did not use an attorney.I was trying to stop an eviction,but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later,I en

TD is a good bank. Why would not charging fees at a lower balance be a bad thing? I have money but always looking for good value.

Inquiries on your Credit File,are actually more damaging than slow credit or late payments...Credit Bureaus are horrific for keep inquiries on your file for years...2 points less per hard inquiry..50 inquiries==100 points less This could actually take y

from caesar's platinum to hardrock royalty to ocean prime to mgm gold in that order this year

Citi in the Philippines charges 48% on some of their cards

I dunno…I was one of those people that didn’t care about a credit score,didn’t get any education about how important your credit score is,and I racked up debt like an idiot.I worked really hard and educated myself and I’ve brought my credit score from 4

Even the BILT card couldn't make me want anything to do with WF, Hublot tier

What no navy federal

Could you make a video on how to build credit without a social security number ?

@TheCreditShifu

Жыл бұрын

Thats difficult, wouldn’t it be better to just get a social security number? Since if you are here on a work or student visa you can get an ssn, if you are only here on a tourist visa, then do you really need to build credit?

Agree 💯

TD is also not available in all states for some reason

Td is not terrible in canada but definitely no amex

I have the TD secured cash rewards card, 3% on restaurants, 2% on supermarkets, 1% on everything else, I’ve had this card for 3 years, I’ve never missed a payment, I never go over 30% utilization, this card has never graduated & I was denied for the double up card

did you change your channel name?

With the acquisition of velocity black capital one is making a push for god tier

I genuinely believe this will be one of the massive recovery to ever cross the platform. The difference in content compared to what other agents push out really made this service exciting, unique, and fun all at the same time. Congrats man, Bro shoutout t

He didnt do the X1 card. (hated it lol)

Team AMEX💪💪💪

Why doesn't anyone ever talk about the Barclay arrival+ card. I know it's hard to get but having the possibility to earn an extra 5% on top of the extra 2% I think is still really good

Agree 👍🏽

Wells Fargo autograph is probably the best card out there for value. BILT is also a beast.

@donborvio

Жыл бұрын

This ^^^ Autograph is the best no annual fee card out there imo.

Really cool video Ben! Agree that Amex is God tier.

This man spends hundreds of thousands of time just to help us. He helps those in need while also helping us. He always puts a smile on our faces and we should appreciate it. Hats off to Him! I love you dude. Crazy Ive never payed attention to the Cognit

I'm 26, earn $300K/yr, and have a $125K credit line over all my cards. Cap1 refuses to increase my $3K limit despite requesting every 6 months because I don't spend on it enough - which I don't because the limit is too low lol. Cap1 is trash tier for me but it's my first card so I gotta keep it open

@SC_XOLOs

Жыл бұрын

Same.. my CL is $5k, but make way less than you. And is also my 2nd oldest account.

@user-wh1ti5cl2c

Жыл бұрын

If you want to raise your capital one credit limit you have to use the card more often. Increase your spending on the card but remember to pay it off every month. Do this for about six months and then ask for credit limit increase

@luxurycardstore

Жыл бұрын

Same here. They only raised mine a little, but it is my oldest card so right now I have to keep it

I'm not putting $100 Grand in a standard bank account just to get a miniscule bump in credit card reward points. BoA is trash to begin with, and they don't do HYSAs. That is a dredge-tier credit card. *Pass* !

Wealth is not just about finance,but health and wellness is critical especially in our black community!No need to have stuff and money if you dont have your good health?Rick Ross finally understands this truth now!What does it profit a man/woman to gain

Wells Fargo is hardly lame. The Autograph offers 3% on 6 different categories and the Active Cash is a flat 2%. And Amex is hardly god tier. Their point system is the most restrictive of the bunch. This list is pretty much what I would expect from the typical KZread influencer.

@yurig2530

Жыл бұрын

It's lame. I don't have a single WF card, and I have more than 50.

I got the Citi double cash for just that reason and they switched it out to points….I’m not into their point ecosystem so the card has become useless to me

@TheCreditShifu

Жыл бұрын

You can still redeem it as cash back. It still has the word “cash” in the name!

@watchchat

Жыл бұрын

@@TheCreditShifu lol thanks, I’ll look into it.

As Irish lads we like shining things, I'll rate your watches, coins, and wedding rings!

Definitely won’t put Capital One and Citi with Chase in same tier; no way Jose

@raymondyu7933

Жыл бұрын

Disagree, Cap 1 is pretty good, cash back is real cash, not reward point of discount. BAC, Chase, Citi and AMEx needs to learn from Cap 1 and discover

@yurig2530

Жыл бұрын

Citi is great, and much better than Cap1. It's on par with Chase. Amex is junk, similar to Cap1.

I would move Synchrony to the Some Good Value category because they have some good cards like the Sams & PayPal card. ( have both)

So Jason, Mister I'm Out Of The Game, is helping make these credit card videos? We've entered the Twilight Zone! 😄

@TheCreditShifu

Жыл бұрын

Ah, its not him, they just happen to have the same name

Was that Jason Kazama?? 😜

@TheCreditShifu

Жыл бұрын

nah my editor is called Jason too

@EthanPatrick_CreditCards

Жыл бұрын

Haha gotcha. That would have been pretty funny though.

It was tough to see American Express over Chase. I see them as pretty equal, but my mind might change as I get more AMEX cards

@user-wh1ti5cl2c

Жыл бұрын

Because of customer service for me nobody beats american express on that.

People don't usually call themselves experts.

The Wells Fargo hate is outdated in my opinion. No bank is your friend and they all do shady things that we don't see. As you said though, even if you won't bank with them, you might as well take value from them with their credit cards since you don't have to have any assets under management with them to use their cards or anything. Fun video Ben!!

I would rate them as follows: 1. Chase 2. Citi 3. Amex 4. Cap1 5. US Bank The rest is junk.

I’m out of the Credit One card game

Wells Fargo Autograph is as good as the Propel. And they have the Bilt card. God Tier.

Platinum Executive Elite 😂😂😂😂

There is a guy who had Amex Platinum card ,and took a vacation in Mexico stopped by a gas station got some gas. The clerk told him the card was no good so he paid cash. Then when he came back to the states. He realized that was a charge for around $900 something at that gas station he stopped by in Mexico. Then he disputed the charge with Amex first time, the Amex didn’t do anything. Finally he had to disputed it three times and got it resolved. He said the Amex customer’s service sucks and wouldn’t stick up with customers.

@johnnyh8731

Жыл бұрын

Sounds Fishy .......$tory!

@deadxpride45

Жыл бұрын

Yeah Ben actually replied on that news video lol for the Platinum card from Amex

10:50 Yeah....Synchrony is definitely a lame card. I've had 3 of them and they were all meh. No rewards at all.

It’s funny to me that the US TD cards are not great in Canada they are fantastic and provide value parallel to American Express!!!

@SectionChief

Жыл бұрын

My US TD Visa card keeps changing their rewards program every few years or so and I don't like it. But it's a very high limit no-annual fee card that is 8-years old so I keep it active enough to not self-cancel.

TD Bank is not that Bad. 😂 I have The target Card Give me 5%.😊

chase > amex the lifetime language is what kills it.

@TheCreditShifu

Жыл бұрын

Interesting, I hear you on that, however, I have been in this game for almost a decade and the lifetime language still hasn’t caused me a problem, ive had the schwab platinum bonus, i can still get the vanilla, i have been working through business cards, can still get the personal and business green, maybe in 5 years it will start causing an issue

@Ryan31310

Жыл бұрын

@TheCreditShifu I'm also probably biased towards chase since my place of grocery shopping isn't coded as grocery and the credits on the platinum don't match up with my typical spending

Synchrony has 3% Paypal card.

Proceeds to get unlimited 5% cash back on gas.

US Bank should have been in it's own category called "Dumpster Fire".

@SectionChief

Жыл бұрын

US Bank? Why????

@jn2292

Жыл бұрын

@@SectionChief It's a dumpster fire. Avoid at all costs.

Wow first here thank you all for not giving a shit

@TheCreditShifu

Жыл бұрын

I give a s*it

Overall I agree with your ratings. But... I think it's unfair to give Wells Fargo an asterisk. You are rating cards not on how much people hate/hated them for things that don't affect most people. AMEX, I have several and I do like them but they also have the highest fees! I agree with the other people that said the Karat card is only good for influencers. And, in general, I get irked when you make comments like a card is great because of refrerral bonuses. That really only works for people like you! It's not a plus.

This video is titled incorrectly since Shifu ignores cash back. No way Amex is god tier as a credit card company. They are god tier as a points and miles company. But lately the customer service has taken a nose dive, and even high earners and spenders like Simon Katz have had big issues with their algorithms halting his spending despite making weekly payments. He says he has no issues like that with Chase. That’s simply not god-tier no matter how you slice it. But this shouldn’t come as a surprise, Amex spends more on influencers and marketing than any other bank.

@TheCreditShifu

Жыл бұрын

Actually Amex pulled out of video influencer advertising a couple of years ago, so it is is hard for us to make money off referrals to them, we can only do referrals from our website not KZread. We make a lot more from Chase. But yeah, this is my own opinion based tier list, feel free to share yours in the comments. ;-)

@electroduval831

Жыл бұрын

@@TheCreditShifu Fair enough. Thanks for the response. I do think the once in a lifetime policy should be another ding on Amex though, if we are valuing points. You can churn Chase credit cards for their massive bonuses.