Great info here!!

You changed my life four years ago with these videos and I hope you’re doing the same for a new crop of folks today.

Thanks for that. What car is in Uk1 better?

Yay! I saw this video coming!!!

Recently my girlfriend, who I go into The Game, was offered her first retention offer on a card she was going to cancel. I've never been so proud.

Recently got my first tier 4 card The United club infinite card

Tier 4 here, currently with the Venture X with plans of changing my boundless to the Ritz-Carlton in a few months. A question I have for you would be is it worth getting the Hilton Aspire and Altitude Reserve along with the other 2 cards I mentioned?

I am definitely in tier 3 papi chulo

Gang no fees

Please make a video on how to transfer chase points to partner programs. Because chase has updated some things and made it seem impossible to transfer any points to airlines or hotels..

@ThePerfectElement555

5 ай бұрын

It's not impossible but they did redesign the Ultimate Rewards portal. It's under Travel -> Transfer points to partner programs or something like that. Also keep in mind you need to be on your Sapphire Preferred, Reserve, or Ink Preferred card to see it since those are the only cards that can transfer to partners

I am now up to paying 250 for the united airlines quest card.

@naveenthemachine

5 ай бұрын

How do you feel about the credits? Do you think it requires jumping through too many hoops?

I was on tier one 2 years ago. I’m at tier 4 now🎉

@featherpony

5 ай бұрын

Was your goal to pay higher annual fees? This "ladder" is just for annual fee bragging rights... not for personal goals. I have over 30 credit cards. I'm on tier 2 of his "annual fees ladder" because my goal is cash back. Moving from 2 to 4 could be a step BACKWARDS, all depending on your goals. Since this ladder ignores personal goals completely, the ladder is misleading. Higher on this ladder is not necessarily better.

Finally, I can get points back on my helicopter commutes 😂

It is hard to find cards with no balance transfer fee. Navy federal has no fee but also no grace period on balance transfers. Capital one quicksilver has no balance transfer fees with a grace period. I use this one often when i am doing a minimum spend on another card and need another month to pay it off with no interest.

@michaelsmith953

5 ай бұрын

they gotta get your money somehow, but for most people a 5% fee is easier to cope with than 25% interest as they try and pay it off over a year

@lienecarter6411

5 ай бұрын

@@michaelsmith953 i haven’t found one with an into %0 in many years. BofA used to have them. Maybe they still do. B of A has been cancelled from my wallet permanently.

Did i miss it or was there no love for the US Bank Altitude Reserve? 🙃

I would add the Discover It secured, Capital One Quicksilver Secured, and Chase Freedom Raise to Tier 1.

What’s appropriate for someone who only travels 1x a year, but spend between $3.5-6k annually on either domestic or intl travel? I have cash back cards rn , but might be interested in looking into a travel card. Is it worth it? Thinking of a Venture X card.

@randomaccount9212

5 ай бұрын

C1VX

@DL-1

5 ай бұрын

You may want to look into the Wells Fargo Autograph Card. That is 3x points on travel, and many other categories... with no annual fee. And they issue the points monthly, and redeem them quickly.

@DL-1

5 ай бұрын

Check out the Wells Fargo Autograph card.

@ThePerfectElement555

5 ай бұрын

I think it can definitely make sense to have one or a few travel cards as long as you consistently travel at least once per year. You could have a trifecta setup to earn more points and get more value by transferring to partners. Plus if there's a hotel chain you go to every year, you could likely get a card that would give you a free night certificate per year for the ~$95 of the card. If that night would normally cost $250, that still saves you $155 per year.

@itsjohnny4267

8 күн бұрын

I fall under this category too, and I’m beginning to see that I probably won’t be able to redeem points yearly. Just starting off, but I have the CSP to get the elevated offer a few weeks ago. My next card will be the venture X since I already have the savor one card. Both the CSP and C1VX have great travel insurance, elevated travel cost multipliers, no foreign fees, and travel credits to use- so those will definitely serve a 1x/year traveler! However, like I said, I doubt I’ll early enough points throughout the year to be able to redeem them yearly. I’ll probably be able to take more luxurious trips every other year with the points I’ll accumulate with those cards.

So YOU are the credit card ladder OG?

@TheCreditShifu

5 ай бұрын

I am the first

It's not a ladder. It's a fork. People on team Cashback stop on the 2nd rung of your ladder, just because cash is their goal? You make it sound like team travel is better than team Cashback. While team travel gets to rung 4, making them better than the people who don't like travel but prefer money? Explain that. That's like saying that people that choose to become plumbers are further along than people who choose to repair cars. Your ladder only applies to people with a goal of paying the most annual fees versus other people, since it's sorted by annual fee costs. Tell me, who has the goal to get the trophy for highest annual fees paid? Name one person whose goal is trying to move up yo the top of your annual fee ladder. No one. Your ladder goes no where. No one is climbing that ladder. It might as well be a ladder to a sewage tank. Only a fool would sort progress by fees paid. The credit card FORK has three prongs/tines: Team Cashback cards / Team travel cards / Team Flex cards. They are three equal paths based on personal preferences. The FORK's handle are builder cards that don't support travel/cashback/flex.

@FlintIronstag23

5 ай бұрын

Actually, there are status chasers who hope to pay the highest annual fees. The Centurion card really has no financial justification, but some people covet getting invited to get it and are happy to pay $15,000 for it. I'm just a Tier 2 cashback person myself, but there are people who think climbing the ladder/fork to Tier 5 is a life goal. It is supposed to be a symbol of joining the elite ranks of society if you make it to the top rung.

@featherpony

5 ай бұрын

@@FlintIronstag23 how is what you just described NOT my 3rd fork prong (team flex)? You just exactly described the 3rd prong of the credit fork that I laid out. That's team flex that you just described. And team flex doesn't have a goal of paying the highest annual fees, like you said, but to get the most exclusive cards, which might happen to be rare and exclusive due to costs... But that's just the gate, not the castle.

@FlintIronstag23

5 ай бұрын

@@featherpony I thought when you said team flex you were talking about people who were collecting flexible points that could be used for either travel or cashback. Like Chase and Citi points.

@featherpony

5 ай бұрын

@@FlintIronstag23 no, it means flexing muscles.

@ThePerfectElement555

5 ай бұрын

While I agree that the goal isn't purely to climb the ladder as high as possible, I do think it's a useful visual tool for people to better see the types of cards out there, analyze how cards they're considering fit into that, and make the best decisions on their own setup