Daniel if you’re looking for new content, my suggestion would be redemptions, especially with air travel. I’ve seen some coverage of it, a few examples that kind of glossed over how it was done, and it’s still a mystery to me.

@cw3extreme

6 ай бұрын

Seconding this!

@rwskiller5

6 ай бұрын

nah he needs another monthly credit card tier /what credit card i have list

@AnthonyMartinez6567

6 ай бұрын

The chase travel credit has to be the most straightforward and easiest credit to use! You simply purchase anything involving travel. And they will automatically give you a statement credit. Boom it’s done. It’s effortless.

@SOccerisgodable

6 ай бұрын

Yes - especially a video on how to combine chase and Amex points via transfer partners like British airways avios or something else!

@oltexify

6 ай бұрын

Third! This would be SO popular! @@cw3extreme

Great to see all your experience with points redemptions Daniel It adds a lot of value to your content. For me sometimes it’s just nice to see what other good properties and redemptions others have found. I like your choice in travel destinations!

Great strategy Daniel! I love how you're using UR+Bilt for hotel and C1+MR for flights - very organized! The one thing I want to point out is that if you intend to PC from the Bus Gold to the Bus Plat, make sure you've applied for the Bus Plat first since you don't want to lose out on that welcome offer! Pretty sure you know this, but I can't remember if you had a Bus Plat in the past. Happy new year bro!!

@Daniel_Braun

6 ай бұрын

Stan, thank you so much for the support with the Super Thanks!! Yeah that’s one factor that I’ve been considering whether I want to apply for the business Platinum separately for just product change. The $15,000 in minimum spend is definitely a lot so I would have to plan around that and that’s my biggest concern. Happy New Year to you as well man! Looking forward to seeing where your channel goes in 2024!

Hey Daniel, since watching your channel a year ago, I have not paid cash for a flight so thank you for everything. Your content is straight to the point and informative with the appreciated transparency. I have a bunch of Chase cards and when attempting to add another to cover a category of spending, was denied. The card I received previously received a really high limit and Chase was trying to get me to slow down lol. However, I called and explained my strategy to tri fecta and such to get as many points as possible. They graciously balanced out my credit limits the way I wanted and gave me the new card. Just reiterating to others not to take a deny personal (as you did), trust your goal is responsible and well thought out. Often the customer service reps are happy to help you achieve it too. Love the content…you could do a series where you receive situations and goals your audience has and provide advice on ways you would go about it. But I know nothing about KZread content creation so keep doing what your doing and lets earn these points.

Yes please to another creator conversation between you & Spencer! Also I've never found your stuff to be repetitive, in fact I can always pick out refreshing tips & points (no pun intended) from each video. With that said, also looking forward to these new content formats that you'll be trying.

Such an awesome video, Daniel. You covered a lot of ground, and you did so smoothly and logically. Great job!

Fingers crossed that Chase shakes up their sign up bonus incentives! I'll definitely consider jumping back into the Chase point pool. I downgraded my CSR to a CSP and compliment it with a Freedom Unlimited, but 90% of my spending goes on the Venture X. My hats off to you for rocking the Freedom Flex. Keeping up with those quarterly bonuses becomes a bit of a drag, but certainly worth the 5% if you can keep pace!

@Daniel_Braun

6 ай бұрын

This is something that I really want to see from Chase! The CSR is definitely overdue for an elevated bonus and maybe even some updates. And yeah the rotating 5x on the CFF can be a bit annoying to track sometimes - the PayPal category was huge for Q4 for us though

Thank you for being so honest and transparent with your Capital One and your redemptions! I can’t stand Capital one! lol. I’m glad you were able to put your points to great use! Happy New Year!

I appreciate the perspective you give and how you’ve been able to use your points. Good luck earning points in 2024 🎉 for new adventures.

Would love to see a 2nd podcast episode with you & Spencer! Love the specific redemption examples from the trips you took this year & sounds like you were pretty consistently getting great value, in a lot of cases 4 CPP+. Similar to you, I got the Amex Biz Gold 100K offer this year as well, so will definitely be looking for a retention offer there. Also love all of the personal B-Roll that you included in this video! Great video as always Daniel!

Cool dude, I've been watching you for some time now. It seems like you are having some nice IRL wins atm. Congratulations

Agreed about the value of Chase points. Rebuilding them is also going to be my mission in early 2024.

He does it again! Great video Daniel

Great recap Daniel. Focused on building my credit score and strategy this year because of videos like this and others. Moved up my score up tremendously with the things you talk about so thank you! I have the Savor one and Venture X wondering if the AMEX gold would be the best option going into 2024 or would something else be?

Awesome plan and some amazing trips using all those points! Really cool to see other creators use their points in various different ways, much different than mine! Also, that's the exact process I did product changing my CSP, but instead chose the regular Chase Freedom instead. That way if I ever cancel my current Freedom Flex after the 24 month mark, I would technically be eligible for getting the bonus again given I wouldn't have another Flex! Maybe something to consider!

Recently I've been shifting more to Chase points since I picked up CFU & Chase Business Ulmtd this last quarter. I Also snagged the VX with the 90k offer and plan on keeping that in my rotation for a while. Looks like you got 2024 locked in. Great vid Daniel 💥

Great video. That new Chase offer on the unlimited is amazing.

Very helpful, thanks Daniel!

Y'all are for real..for real. This is amazing. Great job!

@Daniel_Braun

6 ай бұрын

Thanks for watching!

I like how you tell us your plan so I can implement some of those strategies to our plan this year too

You had some awesome redemptions in 2023! Looking forward to your content in 2024. I am sure you'll have some sweet redmptions in 2024 as well!

Hey great video, what about a breakdown on how you find the flights and hotels. Or how to transfer points for the best value!

Love the video 📹 ❤️

hey Daniel, i feel honored that our card setup is almost the same, except i dont have bilt yet. I might save that spot for WF's new travel card hopefully coming out 2024.

Someone was in that Reddit thread. Appreciate the transparency and thorough video. Surprised you didn’t mention the WF new arrivals as an option for next year.

Good information

Glad to see you switching over to the sapphire reserve! I’ve had mine for a year now and it pays for itself if you use all the credits and all the travel bonuses on top of that are just extra for me. I understand if you don’t travel much the card may not be for you but the $300 credit for travel even covers tolls which can be easily filled up quickly in central Florida!

I got the Sapphire Reserve for the new lounge in BOS, and the lounge is excellent! Looking forward to the one in PHL too, as I go there often. Enjoy!

A 2nd Creator Conversations episode in 2024? 👀 It's my turn to take a trip to your neck of the woods this time! Super stoked to see all of your redemptions and new cards in 2024. It's gonna be a great year!

@druiz012

6 ай бұрын

I got tye popcorn 🍿 ready for that one!

Thank you for your content, Daniel! Also, you look so handsome!!!

@Daniel_Braun

6 ай бұрын

Thank you for watching! 😁

Would love to see content about travel in Philadelphia! I hope to visit one day and could use some good tips!

I wanted to make a note on the comment you made about. All these KZreadrs sounding repetitive on the credit card content being put out. I actually get alot of value from it. Seeing multiple creators talk about strategies and plans-or just promotions in general-gives me, the viewer, a better idea and head space on the route I should take

Excited to subscribe a credit card KZreadr from Philly!

I travelled twice last year on points thanks to you! But I’ve traveled the last 3 months 3 times due to travel baseball. I currently have Chase Freedom, Chase sapphire preferred. Thoughts on United Mileage cc?

Hey Daniel, Great video on why maximizing points is important! I have a question. When you and Jackie get cards do you add each other to your accounts or just share the same card? I am setting up cards for my wife and I but am worried I may hit the 4 card limit that can hurt our potential for new cards like what happened to you when applying to the Venture X. Thanks!

Hi man new subscriber here , i like your content and I'm new to this game, I'm on path to apple card now with a credit score of 720, can i apply for another card or it's better to stop until the program is finished?

Would be cool to see you make a video about your process when going through a credit card application!

curious why you would upgrade the Gold Biz to Platinum biz vs closing the Gold and then getting the Platinum with the 150k point offer? Perhaps because it is a big spend requirement of $15k?

Daniel, what is the best credit card for hotels/stays? I already have chase sapphire but I prefer to use that for international flight tickets through partner websites. Thanks for your great reviews

Can you make a video explaining sign on bnefits and how to juggle closing and opening new cards to maximize benefits

Nice video! 8:38 Some Hyatt properties only let you use points for 2 adults. Any work arounds for bringing a kid as well?

Hey Daniel, Not sure if you’re going to see this. If I’m just starting out in the world of credit cards which one do you suggest for hotels? I think I’m locked in on getting the Capital One Venture X(I only currently have a discover It card, so I should be approved) But which card in combination with the Venture X do you suggest for hotels? My hope would be to use the second card for groceries and dining

Umm second comment to echo what others have said. Your content doesn’t feel repetitive, if anything they are great refreshers with added info I may have missed or understand better now that I have more experience to keep me on my toes. (Let the sentence run on lol)

Daniel, great content bud 👏. I want to apply for one of those Business Ink credit cards from Chase for my LLC that I've recently opened (a few days only). Does the 5/24 rule apply for the business since I've opened those 5 cards on the personal side with different issuers? Credit still around 790 by the way. Thanks again for such a great information.

i rock the amex and chase cards, and i use them depending on what gets me more points, but now i find that my points are split between chase and amex. Would it be better to just use either amex or chase to build up as many points as possible or is it better to keep it split?

Do you have a tracker template or somewhere you write down / track to make sure you’ve used all the benefits from each of your cards in a given year?

I’m wondering what’s the impact on credit score with many applications and new accounts each year? Partly also given that the age of oldest account isn’t decades due to your younger age (I’m also late 20s).

ty daniel. what do you think of pairing the VX personal and VX business cards. and can you comment on the transfer partners of C1 versus Chase and Amex partners, please.?

@stevenp25100

6 ай бұрын

Cap1 definitely doesn't have as good of travel partners as chase or amex but plenty of good options

So I have the Chase freedom, freedom unlimited and sapphire preferred. What should my next card be? Should I go for the flex or try the chase business ink?

How were you able to rack up so many points quickly? Especially with different cards? It took me a while to get 100k lol. Just curious if there’s any strategy I’m missing out on

Hey I’m Jamaican!! I’m happy to see that you visited and I hope you enjoyed it.🇯🇲

Can you share the rule for having multiple chase freedom flexes? I currently have the chase trifecta with the CSP and wanna get the bonus again but not sure how to navigate downgrading to the flex again! Would love a video or comment on this!

@jrome1135

6 ай бұрын

Call and ask to product change to "visa freedom with ultimate rewards" or you can call it the old vanilla freedom. Same spend categories, but visa instead of mc. Then if applying online for the csp, wait~3 days, in branch, closer to 1 month.

Where is that purple-y long sleeve Daniel? Looks super soft and comfy! Great video! Just did my first transfer partner for flights to Italy!

The Venture X is a sweet card. The Capital One lounge in DFW is very nice. It blows the Centurion Lounge out of the water.

I would love content around how to manage these cards once you get a few of these. For example, after you apply for the card and get the signup bonus, what is the strategy for reducing the card fee as you move on to harvesting sign up points on a different card? Do you ever close cards? Just downgrade them to a free version? At some point it seems you would want to eliminate the cards to avoid hitting the revolving credit limit.

I plan on getting the platinum and the business plus from Amex this year 👀 but the venture X is also another card I want

Early gang

@Daniel_Braun

6 ай бұрын

Always much appreciated!! 🙌

Daniel, how much do credit card inquiries really affect your credit? I want to get the Bilt credit card but I’m afraid that it will lower my credit score. I currently have 4 credit card inquiries in the last 2 years. Love your content man! Keep killing it

What do you think about cancelling some old cards that have low or 0 benefits that have high credit limits like in the range of $10K? Does it harm credit more than it helps to reduce unwanted cards?

I love your strategy. I need a cheat sheet so I can keep up lol

Watched the whole vid, thanks! Few questions 1) How did you get the free night award with Hyatt? 2) Why did you get AA Credit card when you can't directly transfer points to AA? (after BILT ends partnership). Just for the one time SUB? To get checked bag, do you have to use the AA CC to get free checked bags? 3) What's the game plan with Amex points? Is it full throttle chase?

would be nice to hear about best credit cards depending on your preferred airline or hotel chain.

Please make a video on how you redeem your BILT and Chase points for hotels and etc

@Daniel_Braun

6 ай бұрын

Will do! I'll have some videos with more examples very soon!

This quarter I am using flex and will be using discover for another quarter. For other two quarter I will use reserve altitude

Is there any special card that would be good for medical expenses? We have several proceedures coming up that would quatlify us for a new card but was wondering if any cards have extra bonus points for health medical?

Is it still good to use chase for flights, or have amex for that?

Hello Daniel I just got the Amex gold card the $250 is kind of hefty but do you recommend the chase sapphire what are the differences

Hi, I have the Chase sapphire preferred for two years now and I’m thinking about product changing it to the reserve within this month and I wanted to know if I hold the reserve for two years would I be able to downgraded to the flex, then reapply for the reserve and get the welcome bonus again?

Okay I have a question- I applied for the Amex platinum recently. Got the intro bonus. Now I’m thinking of applying for the delta reserve from Amex- will I still be able to get the intro from that card?

Does it make sense to have an Amex platinum, gold. And delta? Can you do a comparison?

i ended up cancelling my gold card this past week and switched to the capital one savor one so far i love the card and feel guilty i did not get it much earlier the uber credits are really good sad i will only take advantage for just 1 year.

@Daniel_Braun

6 ай бұрын

I think the SavorOne is the perfect alternative to the Amex Gold if it’s paired with a Venture card (if you’re playing the travel game). Great to hear that you’re getting good value from it!

Can you make a video for how couples should time opening credit cards for the next 2-4 years? We want to plan on how to sign up for bonuses over this time.

Hi Daniel, best of luck in trying to generate the welcome bonus for the CSR. I just got my CSR in the mail today by upgrading from the CSP and reading into the fine print on the handout… it might fall under their “misuse” clause. Again, I wish you the best and truly hope you can get the bonus, but just a heads up - and to anyone else reading this.

Should I get the Chase Ink Preferred instead of the Chase Sapphire Preferred? I want to make my wife (P2) an authorized user of either card, but she is not an employee of my business....

What are your thoughts on Amex Delta branded card fee increases? There are a few added uber/resy incentives. Relatedly, do you have thoughts on Amex Delta Platinum v Reserve?

Curious if you used the pre-approval before applying for the venture X

@lewis20002000

6 ай бұрын

The closest I got to the CAP1X was a venture portal approval, but there was a smaller sub. I'm blackballed from the CAP1X.

An idea that would be super helpful for one of your videos is to cover merchant codes connected to credit card offers. This is really unclear in some of cc company offers. For example- one credit card offers 5% cash back on office supplies but doesn't specify the stores that are included as a office supply merchant. Does ikea organizers, desk and chair fall under this merchant code or does they have to come from Office Depot or some other store like that.

American Express is offering new features that I saw on my gold card, including, Amex pass, Amex collectibles, and carbon footprint tracker. I don't really understand how the stuff works. Would you be able to make a video explaining it?

I'm interested in investing in alternative assets but I'm not sure if it's a good idea. Can anyone provide some insights on there risks and potential rewards?

@LisaRoss-eu1wb

6 ай бұрын

Well, passive investing is all about buying and holding a diverse range of assets for ther long haul. It's a simple and straightforward approach that's designed to track ther performance of a particular market index. On ther otherr hand, active investing involves trying to outperform ther market through more frequent trading and analysis. It can be a bit more complex and time-consuming, but it can also potentially lead to higherr returns. If you're trying to decide which approach is right for you, I'd definitely recommend consulting with Julie Ann Lerch. her's an expert financial advisor who can provide valuable insights and guidance.

@RoyMurray-cb9mv

5 ай бұрын

If you're not a fan of traditional retirement accounts, have you considered a taxable investing account with a focus on dividend-paying stocks? It's not as tax-advantaged as some of there other options, but it can still be a great way to save for their future. And in order not to make their wrong choice, you should speak to Julie Ann Lerch. her's an expert in their field

@DorthyFernandez

5 ай бұрын

@@RoyMurray-cb9mv A Traditional IRA or a Roth IRA are both great options for retirement savings, and which one is right for you will depend on your income and tax situation. Like mentioned above, Julie Ann Lerch is an expert in there area and will be able to help you make their right choice. There are others who can help but Julie tops their list.

@BillieDavidson-nu8wv

5 ай бұрын

@@RoyMurray-cb9mv Julie Ann Lerch, is just one woman, who has it all, and knows how to make the world of investment becomes a realty, you can always search for her on Google.

Nice video! I thing to note is that you cannot downgrade the CSR to the Freedom Flex (or vice versa) due to the CSR being a Visa network, and the Freedom Flex a Mastercard network. (I tried to upgrade my Freedom Flex card and was denied because of this)

@yurig2530

6 ай бұрын

yes, you can. I downgraded CSR to Freedom Flex. I also converted all of my other 6 Freedom Visas to Flex.

Question for you. I’ve got a sapphire preferred card and outside of sign on bonuses, I find that I don’t spend enough to exceed the 10% bonus they give annually, so it seems to me other cards even giving 5% in high spend categories aren’t worth it. How much do you end up spending on your cards annually to get enough value from all of them, and how much of the points you’ve accumulated come from your affiliate referrals instead? Maybe I’ve missed you going over that in a video but I think an annual points earning breakdown might be insightful. Like I said I think I’m getting near max value out of my setup but thinking I should stop using the other parts of it as I don’t think I’m spending enough to really maximize all my benefit across multiple cards

have you ever benched marked the costco citi card?

I had the Amex Platinum and it renewed in December, I tried 4 times to get a retention offer and Amex would not give me one so I downgraded to the Amex Gold, any tips on how to get the retention offers ? Thanks.

if i get freedom flex and get the bonus I have to wait 48 months to get the bonus for the unlimited card?

I got denied for the venture x for the same reason but I did get offered to upgrade my quicksilver, which I never use, but I wouldn’t get the sign up bonus. I’m not sure if I should take the upgrade, since I really want that card, or wait and see if I ever get approved.

Do I need a BILT card to transfer them to HYATT? Or does that work?

I'm new to all of this in the last year. If my wife is an authorized user on some of mine like AmEx Platinum and Southwest Rapid Rewards, can she still apply for her own and get the welcome bonus?

Can you make a video on how you got the Hyatt globalist status. Thanks

can someone provide context about how much money is being spent on these cards to access these kinds of points? It seems like it would be north of 30k

I have a question about the 48 months to get the sapphire bonus again. If you had the CSR before but downgraded, do you have to wait 48 months from your down grade date or from the date/month you received the sign up bonus?

@meshacke

5 ай бұрын

Also it was great running into you at FinCon last year and I hope you get approved for the Capital One Venture Card Soon. its wild that I have 3 capital one cards and they won't approve you.

I was trying to book an economy American Airlines flight through British airways and is there anyway to know what type of economy ticket it books? I know AA has Basic Economy vs Main Cabin and was wondering which once BA books and if you get to choose your seats

Do you ever close any of the cards that you don’t use anymore. Seems like you guys got a cycle going and wondering your thoughts on that?

If I applied for the CSP and want to product change to the CSR, would my 48 months be reset if I was approved or would my 48 months stay the same from when I originally applied for the CSP?

@Daniel_Braun

6 ай бұрын

It would stay the same - the 48 month clock starts as soon as you receive your sign up bonus on any Sapphire card, and product changing doesn’t affect that

How much are you paying in annual fees for all your cards? What is a good temp card for unlimited access to priority pass airport lounge access for myself and unlimited access to lounges for unlimited guests I want to be able to hop from lounge to lounge as they all seem to have a 3 hour limit at each lounge and finally I need to be able to add a family member to my account so she can get the card and these benefits with no fees

Does anyone know how he accrued so many points?

I know you do credit card content but I would also want to know your personal finance tips and maybe retirement investments!

@Daniel_Braun

6 ай бұрын

Thanks for saying that! I actually plan to do some more content like that in 2024 as well, so stay tuned!

Is The Bilt worth if you don't pay any rents. I get most of the Bilt's multiplier through CSR, Amex Gold & Platinum. May be it might be good if you don't want pay any annual fee.

Great video, I love this contents. I find it hard to follow you, you talk too fast, lol. I appreciate you.

Doesn’t priority pass give access to Sapphire lounges?

If transferring at a one to one wouldn’t it just make sense to book through the portal?