Would you change anything about how I ranked my 16 credit cards? (P.S. - If I get the Capital One Venture X next, then where should I rank that card here?)

@0411ameya

Жыл бұрын

Capital One Venture X would definitely get into #3 or #2 I think !

@Daniel_Braun

Жыл бұрын

@@0411ameya I would probably agree with that! Definitely going to be interesting card if I can get it next month hopefully

@nafichoudhury1792

Жыл бұрын

Have a question about this: after you get Venture X, will that become your new catch all card instead of freedom unlimited (Venture X gets 2x while CFU gets 1.5x)? If you continue to use CFU as your catch all card, is it only because you prefer chase partners more than capital one partners? thanks man!

@poobiswoobis

Жыл бұрын

VentureX is my fav. #1 for me!

@CryptoData

Жыл бұрын

Venture X would be a strong #2 for me, but probably #1. I'm about to apply for it soon. That with the AMEX Gold is the ultimate combo. 10x on hotels/rental cars, 5x on travel with Venture X, then 4x on Dining/Groceries with AMEX Gold, then 2x on EVERYTHING ELSE with the Venture X. Not to mention you get cell phone protection with the Venture X plus price matching when using the Capital One Travel Portal, including some of the best international travel partners, $300 travel credit + 10k miles every year anniversary bonus + $100 credit for Global/TSA Precheck + access to over 1300 Priority Pass lounges, AND only $395 annual fee. Can you say free Business Class every flight? lol exciting times 💯

If your worst card is the WF Active Cash card, I'd say you're doing pretty good!!

@Daniel_Braun

Жыл бұрын

Haha yeah I think that's a good way to look at it! I hate even saying it's my worst card because like I said it's still a good one with the 2% back and $200 bonus!

@Ng-cq4wq

5 ай бұрын

@@Daniel_Brauncan You transfer those point to the bilt card ?

I just got into the credit card point game and you have been so helpful. I already had the chase unlimited but recently got the freedom flex and sapphire to complete the trifecta. So far im loving it. I also just got the citi custom cash yesterday, which i plan on using strictly for groceries. I feel like i lost so much time and money by not doing this earlier in life.

@Daniel_Braun

Жыл бұрын

Love to hear that and thanks for watching my videos! Also great to see you were able to get the Chase Trifecta and Custom Cash which are 4 cards that go so well together!

such a great breakdown, i agree with so much of what you said

@Daniel_Braun

Жыл бұрын

Thanks so much, glad to hear that! Appreciate the support 👍

Great video as always bro! Kudos on helping out so many people out there.

I really enjoy your videos, the've been helping me a lot!

Love my Sapphire preferred. Great video! 👏🏾

@Daniel_Braun

Жыл бұрын

One of my favorites too! Great card to have. And thanks so much, glad you liked it!

great video, very informative, thanks for sharing

Nice video Daniel. For me: 1. Amex Gold (Dining/Groceries) 2. Citi Custom Cash (Gas) 3. CSR ( Travel) 4. Hotel Card (Hilton Aspire or WOH) 5. Everything else either Freedom Unlimited or Amex Blue Business Plus

Thanks for sharing Dan. I admit that my mix is a bit more bland, but it works for me. I always enjoy hearing your thoughts though on your own cards.

@Daniel_Braun

Жыл бұрын

Thanks as always for watching! Always good to just have the cards that work best for you, and everyone will have a different setup based on that!

This list is super inspiring Daniel! Great setup you’ve created here. Definitely looking to add like half of these cards haha - Bilt is up next 👍

@Daniel_Braun

Жыл бұрын

Thanks Josh! I'm looking to add a few more cards soon as well. Bilt is a great one for you to add, I've loved earning points on rent now!

My credit card setup to date are all of the 5 cards you have in your Top 5. Such a solid 5 card setup, and I currently don’t see a need for me personally to acquire any other cards. Of course that could change in the future. However for the time being, the Chase trifecta + Citi Custom Cash + Amex Gold are a nearly bulletproof credit card setup for everyday spending. Another great video as always!👌

That 5 free night Marriott Boundless bonus was pretty difficult to pass up for me as well haha. Might consider upgrading to the ritz Carlton card in the long run which has some top tier benefits!

@Daniel_Braun

Жыл бұрын

Yeah I'm glad that I was able to take advantage of that offer while I could! And I've heard some other people suggest the Ritz Carlton card as well - I'll look into it more because it's popular with good benefits but I want to make sure it'll give me enough value. So maybe I would product change to that instead if it makes sense!

Great cards and overview! The top 5 in my setup would be Aspire #1, Gold #2, CFF #3, BBP #4 and CSP #5. ✌️

@Daniel_Braun

Жыл бұрын

The Aspire has been at the top of many people's lists lately! Great other cards to round out your top 5 as well 👍

Capitalone venture X is hands down my favorite. I own that one and Amex platinum and the venture x with its earning potential and travel credit and the easier user experience of the travel portal make it my top

Hey Daniel... can you do a video on US Bank credit cards? They have a sweet cash back card, and also "Altitude" travel focused cards.

Great video Daniel! Loving the content recently. Best!

@Daniel_Braun

Жыл бұрын

Thanks so much Julian! Really appreciate you watching!

The best set up is : 1. Citi double cash (2X on everything) 2. Citi custom cash ( 5x on gas) 3. Capital one savor card ( 3x on dinning & groceries) With my spend , I make 700$ a year in cash back no annual fee :)

@TomTomXIV

4 ай бұрын

And no point coupon booking crap

That’s a fire roster! 🔥

@Daniel_Braun

Жыл бұрын

Thank you, I appreciate it! I'm definitely happy with these cards

The AMEX Gold and Hilton Aspire are neck and neck for my #1 card. For perks, I'd go with the Aspire but for everyday use, the AMEX Gold for sure

@Daniel_Braun

Жыл бұрын

Nice, sounds like you're a big Hilton guy then so I get that! Hard to argue the Amex Gold being #1 for people like us that are deep in the credit card game haha

Running the Chase trifecta with surprisingly the CSP being my most used card. I just added the Citi Custom Cash for groceries and use the Amex Prime business card for those Amazon purchases. I have 3 other cards that I use occasionally for credit history. Only reason to get any other cards right now would be to bonus hunt and take a trip or two.

@Daniel_Braun

Жыл бұрын

Sounds like a great setup right now and well thought out! Yeah the sign up bonuses are always going to be something to take advantage of for a future trip

Definitely keep in mind that if you spend a ton of money on groceries the Amex Blue Cash Preferred gives 5% back, but I just referred someone and they started giving me 11% back (for 3 months) on top of the $175 referral credit. That's pretty killer. Amazon Prime Visa is also great with 5% back on everything there with the first 3 months being 5% back online anywhere (up to $2500 in purchases) and a $150 gift card.

Chase Sapphire Reserve works really well for us right now due to cruises getting 3x points back and getting 50% extra value so it's like getting a 4.5% discount on cruises and other travel expenses outside of flight, hotel, and car rentals.

@Daniel_Braun

Жыл бұрын

Booking cruises with the right card like that sounds like a good use if that's something that you like to do a lot! I haven't ever done a cruise before, but the Sapphire Reserve would be a good card for booking one

Been following you for a little bit and new (@51) with the points game. I’m at the point in life where my oldest just graduated PSU and the wife and I want to travel more. Have the Chase Freedom Unlimited and Sapphire setup and used it last year for a trip to San Diego. Just got approved for the Amex Gold this week and Cap One just sent me an email to try the pre approval with no impact to credit score. They recommended QS, Savor, Savor1, Venture or Venture1. Out of those which would you recommend going for first? Great job with the channel. Thanks for all the great info.

Right now I love my Platinum and Sapphire Preferred. I’m considering the Gold once I’m locked out of Chase because of 5/24

@Daniel_Braun

Жыл бұрын

Smart to go with Chase while still under 5/24! After that then yeah I think the Gold card would be great! Platinum and CSP are my 2 favorite travel cards right now. Thanks for watching Jacob!

My #1 Pick 🤝Your #1 Pick. Ton of great cards on the list here Daniel with specific use cases, including for specific credits, travel benefits or even to increase length of Credit History with a No AF Card. The AMEX Business Gold is also my newest Card, and also locked in that 100K targeted offer! BTW- I'd definitely go Venture X Top 3 at the minimum with the ability to be used as a Keeper Card + all of the travel benefits that come along with it!

@Daniel_Braun

Жыл бұрын

I think a lot of people will agree that the Amex Gold card is tough to beat! Great to hear that you got the Business Gold card too with that offer! And yeah the Venture X is what I'm gonna reapply for probably next month since I got denied for it back in December. I definitely wanna add that card here to my setup as well

I'd rate the Ink Cash a bit higher tbh; the 5x points back on internet and phone is great, you can set it up to auto pay 100% of the balance every month, and just use it to auto pay your internet and phone. Set it and forget it, it will stay active all the time and give you 5x points on basic services everyone pays for with zero annual fee. I just signed up for it and redeemed 45k of those 75k points at 2.6 CPP with Hyatt as well, so it's a really lucrative SUB :)

The American Express Gold is a really good card, but I don't think it's the card for me. I don't really use Uber or Uber eats, and don't eat at the restaurants included in the credits. So while I could use Uber and eat at those restaurants, I think it would just be extra spend I normally wouldn't do, so I'd come out on the losing side. I prefer the SavorOne card, as that's 3% back on dining and groceries with no annual fee. That card makes the most sense for me. Especially since I do most of my grocery shopping at a wholesale club.

@1pCarlos

Жыл бұрын

I use Uber eats and do pick up. I avoid all fees. Same thing for Grubhub. That’s how I use my $20 credit every month

@Daniel_Braun

Жыл бұрын

I really like how you were able to take a step back and look at how the Gold Card vs the SavorOne would work for you! It definitely sounds like the right choice to go with the SavorOne for you which I think is easily a top 3 no annual fee credit card!

Did you just drop off of the screen?! Fun! Time to watch

@Daniel_Braun

Жыл бұрын

Haha a cool new effect from the video editor! I liked it a lot!

Hey man, Can you make a video on a reasonable dream credit card for you if you had to stack all the benefits in one card and you could only carry that.

@Daniel_Braun

Жыл бұрын

That's an interesting idea for a video! There's so many things that I would include haha - but I'll see what I can do!

Great video! I wonder how hard it is to get the Active Cash Card if you do not have any checking or saving account with Wells Fargo?

@Daniel_Braun

Жыл бұрын

Thanks Jason! I'm not sure exactly, but having bank accounts with an issuer definitely can help by having that relationship with them. I had a Wells Fargo checking account that my parents set up for me as a kid and I had that at the time I got my first student credit card with them, so I'm sure that helped me get approved in some way!

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.

Chase Travel portal prices are higher. Since we are multiplying Chase points when transferring them to other Chase cards, is it still worth buying tickets on the Chase portal? I already booked a hotel room with fees and all for $100, and for the same room, through the Chase portal, the total amount would be $110, but this is just one case. What about your experience in general with Chase travel portal prices? Great video!

1. CSP (Travel, streaming services) 2. Apple Card (everything else) 3. CFF (Dining) 4. Discover it Chrome (miscellaneous, first card so I’m keeping it open to increase history) 5. Amazon Visa (Amazon) 6. Walmart Capital One (Walmart lol)

If I had the Amex Gold card, it would probably be my number one card too. I think it is one of the best cards on the market for the 4x points on food categories. Right now my number one card is the U.S. Bank Cash+ for the 5% cash back that I usually pick for home utilities and TV/Internet/Streaming as they are fairly high expenses. However, the Chase Freedom Flex comes in as a close number 2 for me.

@Daniel_Braun

Жыл бұрын

Agreed John, that Amex Gold is tough to beat for anyone that has the card! But your US Bank Cash + is an underrated card so good to hear that you're enjoying that one - plus the Freedom Flex is always a favorite of mine as well. Thanks as always for watching!

Hey Daniel. Love your KZread page and love you videos. They have helped me so much. Quick question. Is there a way I can contact you directly about a quick question about 1 of my cards in my wallet?? Just looking for a opinion. Thanks

I got my gold amex card for 90,000 points intro offer for 4000$ spent in the first 6 months! It was one of the best intro offers I've ever seen

@ToothlesstheNightFury510

Жыл бұрын

Def a good idea to plan a big purchase around a card offer

@Daniel_Braun

Жыл бұрын

Thanks an awesome sign up bonus! Much better than the 60,000 points I got haha

@venkputta271

Жыл бұрын

@@ToothlesstheNightFury510 exactly

The points you earn on the travel cards do they ever expire? Do you have to use them by a certain time or they just rack up? I recently got my first cash back CC and I love to travel so I was thinking about getting a travel CC to earn points to use.

I just got the BILT and paid August's rent easy-peasy. I'd regret that I didn't get it sooner if I weren't too busy being happy that I'll accue 30,000+ points a year just from paying rent.

Hey thanks for the video. Word of advice please, I´m trying to sign up for my first rewards CC. I arrived to the US about 1 year ago now, built my credit score (through Capital One) and now trying to get into the rewards credit card world. AMEX gold sounds like most of the peoples #1 everywhere I look with the Chase Preferred usually. Also, we would hit that $4,000 in the first 6 months for sure. Is it a good first credit card? What about a card with cash back? Thanks, been churning your vids the last couple of days!!

@Daniel_Braun

Жыл бұрын

I would say to start with either no annual fee Chase cards that earn points like the Freedom Flex or Freedom Unlimited - or the Capital One SavorOne which also has no annual fee and earns cash back that can later be converted to Capital One Miles if your get the Venture X. If you get one of those Chase Freedom cards, then you can save up points and later get the CSP to redeem those points for more travel. Hope that makes sense, but personally I would wait to get the Amex Gold card until you have a few other base cards first And thank you so much for watching many of my videos!

Just opened up the Amex Gold with a 90k bonus! I’m kind of surprised you can’t track your progress towards earning it though. That seems like a weird omission since you can track ones for other cards like Chase

@BHAVE4US

Жыл бұрын

If you get the max rewards app it will track it for you 😁

@Daniel_Braun

Жыл бұрын

Yeah I wish that they would have something like that to track the progress!

@sagedavis675

Жыл бұрын

Did you get an offer directly through Amex? I’ve been waiting on the bigger bonus offer.

Very interesting ranking. My top 5 would be: 1) Chase Sapphire Preferred 2) American Express Gold 3) Chase Freedom Flex 4) Paypal World Mastercard 5) American Express Green

@Daniel_Braun

Жыл бұрын

Nice! That PayPal card is underrated

@PrevailingFreedom

Жыл бұрын

@@Daniel_BraunIf you believe it’s underrated, why did you not mention it in this video?

@Daniel_Braun

Жыл бұрын

Because this video is only ranking the current credit cards I personally have. I don’t have that PayPal credit card right now

@PrevailingFreedom

Жыл бұрын

@@Daniel_Braun Gotcha

YOOO! I never knew you were a penn state alumni! That’s dope! Class of 2025 here!

@Daniel_Braun

Жыл бұрын

Love to hear that! I always throw that in there about Penn State to see if any other Penn Staters see it and comment. Enjoy your time there, it's a great place!

Just having 4 CC is a pain in the but lol😅 but having 16 oh boy that has to be a nightmare

I haven't used my 15 year old chase freedom for years and it stayed active on my account lol

@Daniel_Braun

Жыл бұрын

Haha maybe Chase forgot that you have it so they won't close it!

So sad I missed out on the 80k sapphire preferred deal. That's the next card I want so I'm waiting on that to come back around to grab it.

@Daniel_Braun

Жыл бұрын

Yeah hopefully that comes back again soon, I'll update the channel when it does!

@echo021

Жыл бұрын

@@Daniel_Braun That would be appreciated :D thank you!

@echo021

Жыл бұрын

@@Daniel_Braun Question, if I apply in branch, theyre currently offering 70k bonus points. Would that be a good idea to grab it over the current 60k or wait it out some to see if the 80k does come back? I also read that some in branch applicants received 90k while the online applicants were offered 80k. Seems like in-branch likes to offer 10k more..

@4islandbeauty

Жыл бұрын

They keep sending me pre selected offers for pre approval for CSP with 80K bonus points. I believe what they show on site is different from the mail offers

Random but if info, I just upgraded my chase slate card to a freedom. Not open to new applications, but you can upgrade to it from a no points card like the old slate!

I would get the Chase Flex to take benefit of the 5% for Gas for the next quarter, but I already have the Discover It, and next quarter is also 5% in gas LOL. The Citi cash seems to be a great option for gas all year.

@robertw5391

Жыл бұрын

Same with the flex and discover. 😅

we don't have very many good cards in Canada but we do have the Amex Cobalt, which is just built different

@Daniel_Braun

Жыл бұрын

I've heard a lot of people in Canada talk about that card! But yeah the cards are just different in the US vs Canada

Hello Daniel, I need your advice to get a new credit card! So basically I have the amex gold for Travel, Resturant, and Grocery I will have citi custom cash for Gas I am looking for a credit card to use online purchase, not only for Amazon (So I am looking for good cash back or mileage with good welcome bonous) No annual fee, and I am single person. So I don't want to have annual fee card atm since I have amex gold. I am thinking to get Chase Sapphire later once I use Amex points.

hmm I was waiting for your ranking on apple credit card.

I like these 5 cards for everyday spend: citi custom cash (gas) Amex gold (restaurants) citi double cash (everything else, especially bills) blue cash preferred (groceries) & platinum card (travel) fyi I don’t have any chase cards… I do think savor one is great for entertainment & citi premier is a very underrated card. You can make a case for citi rewards for small purchases as you can round up. I’m going have to say best airline card is American Airlines business card. You miss your flight & have a credit card w/ AA they will make sure you get on next flight asap. They have credit card member on bold black letters on your boarding passes & easily worth $99 a year if you fly AA

@Daniel_Braun

Жыл бұрын

I really like that setup a lot, tons of value with those cards you mentioned! That American Airlines business card is also one that I should be adding later this year because I fly American most of the time when I'm traveling out of my home airport in Philly. Thanks so much for watching and commenting!

What cards are you considering adding next? Thoughts on US Bank Cash Plus and Altitude Reserve?

If i plan on traveling a couple times per year, do you think the amex plat is worth it?

The AAA Daily Advantage Visa Signature is a great no annual fee card. 5% groceries,3% wholesale clubs.$100 sign up bonus. No int fee

@Daniel_Braun

Жыл бұрын

Nice, I'll have to take a look at that card because that sounds pretty good! Thanks for watching and commenting!

I want the Marriott boundless but man the sign up bonus is not so enticing at this moment in time. I also thought about the free hilton card but hilton cpp seems even worse than Marriott

@Daniel_Braun

Жыл бұрын

Yeah Hilton points are worth less than Marriott so it's important to compare! Hilton does offset this with higher bonuses on certain cards and Amex Points transfer to Hilton at a 1:2 rate - so it really depends on the hotel for whether redeeming points with either programs is worth it

Best card in my opinion is the capital one venture x

@Daniel_Braun

Жыл бұрын

It's one of the very best on the market right now! Hopefully I'll get approved when I reapply in the next month or so!

@aaronclarke919

Жыл бұрын

Fingers crossed you get it! I really enjoy having that card , especially when I go overseas .

Thats alot of CCs! How are managing all of them to keep them from being closed? Are you using a spreadsheet or something to track which ones to use? I'm using cardpulse for my extra 4 cause it simplifies everything for me but would love to hear from someone with 16, about to be 17 cards.

@jrome1135

Жыл бұрын

I have 17 open rn, it's really not hard. Once or twice a year I pull out the "sock drawer" cards, put a charge on each, then pay them off in a few days when the charges post. Have yet to have one closed for inactivity, but C1 did send me a warning once for inactivity.

Hi Dan, random question… if I am additional card holder with Amex, if I apply myself will I get approved? Will I get bonus offer? Do I need to wait 48 months?

1) Citi Double Cash (everything) 2) Wells Fargo Autograph (3X on SEPTA) 3) Citi Custom Cash (Grocery/Coffee) 4) Chase Sapphire Preferred (Rent) 5) Chase Freedom Unlimited (Don’t know why I don’t use this) 6/7) Hilton Honors + Citi AAdvantage Platinum select (never use except to buy gum or milk. Tied for last)

@Daniel_Braun

Жыл бұрын

Really nice setup! Do you just have a 2-3% processing fee by paying rent with the CSP? (Also shoutout to SEPTA haha)

@gregbaxter6162

Жыл бұрын

@@Daniel_Braun yeah, unfortunately I do have the 3% which is passed on to me so I pay an extra $43 and some change

Citi Custom Cash and Go Altitude are 2 of the best.

@Daniel_Braun

Жыл бұрын

I love the Custom Cash, and that Altitude Go card is also very underrated! Thanks for watching Jake!

Hi! Curious question, a buddy of mine said Chase business cards count towards 5/24 bc they are factored into vour 5/24 score since those cards are issued by Chase. So, if in the last 24 months, you were approved for four personal cards and one business card from Chase, you have no more slots available because you're already at 5/24. Is this true ?

How do you keep track 😂

Aspire and Platinum are my top followed by the Business Gold, Gold and then the Navy Federal Flagship or the PayPal Mastercard or Bilt Mastercard but I have 31 cards so I don't really know. 🤣😅

@Daniel_Braun

Жыл бұрын

That Aspire card has been a popular card lately! I'd love to see you breaking down and ranking all of your 31 cards in a video! But I'm sure that could be an hour long because that's a lot 😂

@SledgeIncTeam

Жыл бұрын

@@Daniel_Braun I've had the Aspire for a good while now and it's by far one of my favorite and best cards. Keep up the good work Daniel 🫡

Chase freedom flex is the best :)

Daniel, what can I say, you should have the rose gold card. Classic gold is out of style, it’s all about rose gold now. Besides that, you definitely have a pretty good setup. I forgot that you have the active cash card!

@ItsMeCJ

Жыл бұрын

@@joshua.butler 🙌🏾 🙌🏾

@Daniel_Braun

Жыл бұрын

Haha I'm still team "Classic" Gold Card! Something about that yellow gold just looks good to me, but so does the rose gold so can't go wrong with either!

If I pay for my yearly prime membership with the freedom flex when amazon is a category for that quarter does that count as an eligible 5% amazon purchase for the quarter?

@Daniel_Braun

Жыл бұрын

Yeah that should count!

Does chase upgrade their student card to their discontinued freedom? I’d still want to get some use out of my oldest account whilst still being eligible for both sign up bonuses on the two freedoms later on

@Daniel_Braun

Жыл бұрын

I'm actually not completely sure about that one! I would look around Reddit to see if anyone else has any data points on that. I would assume that you should be able to because you can downgrade other cards in that product family to the discontinued Freedom. I totally get what you're saying with watching the other 2 Freedom card sign up bonuses!

I have chase freedom flex and this is my first credit card here in the US.. which credit card do i need to get next? I got an offer from amex and capital one with amex everyday card and capital one quick silver. Do i need to accept one of those cards or its better to go for sapphire prefred or amex gold?

I’d suggest PCing Boundless to Ritz if you get the chance.

@Daniel_Braun

Жыл бұрын

I've heard of people doing that so maybe that's something I'd consider! But not sure if I personally would get enough value so I'll need to look into it a little more

@danielturner8798

Жыл бұрын

@@Daniel_Braun - I’m in the same boat. I have the Aspire, which I think pays for itself more easily than the Ritz. The PP restaurant access though…

Interesting question........Where do you think the Venture X will fall on this list when u get it? TOP 5?? If so....what card it knocks out the top 5?

hi daniel im 19 I have a discover it and chase freedom unlimited, which should be my next card i want the amex gold but don't know if i should get another chase card to build the trifecta. Let me know what you think i should get as my next card!

@Daniel_Braun

Жыл бұрын

I'd say that there's not need to rush to get the Amex Gold card yet when there's still so many great no annual fee cards that you can build up to first! The Chase Freedom Flex would probably be my next choice if I was in your situation - but don't rush to get too many cards too fast either. Hope that helps!

@ralphlucio14

Жыл бұрын

@@Daniel_Braun thank you! i watched “you only need these 5 cards” and saw 3 of the 5 were chase cards for the travel side. I then watched your chase trifecta video, so i’m going to get the chase freedom flex to have 2 of the 3 chase cards and shoot for the complete trifecta! Thank you for your response

Do i need a good credit score to get all of these?

I’m surprised that the Chase Ink Business Cash Card isn’t ranked much higher on your list. It’s one of my best credit cards as it gives me 5X UR points on my internet and cell phone bills every month. I easily get at least 1,500 UR points a month from this card which is actually a lot more than I get from my Sapphire Preferred on a monthly basis. I don’t understand why the Ink Cash doesn’t get much love on KZread in general as I think everyone has cable, internet, and cell phone bills to pay so they can all benefit from the 5X points which are transferable if a Sapphire card is present.

Honestly I gotta use my CSP more because I don't think I could rank it in the top 5 for my personal setup. Of course I don't use the CDW or $50 hotel credit so that drops the value for me a lot. I love this video but just don't let any of ur cards watch it 😳not sure how ur active cash card will feel about it 😂

@Daniel_Braun

Жыл бұрын

Yeah the only downside with the CSP for me is that I mainly use it for rental cars and streaming and that's it, so I wish maybe it was at least 3x on all groceries and not online groceries. Lol don't worry no credit card feelings were hurt in the making of this video! 😂

@ChaseYokoyama

Жыл бұрын

@@Daniel_Braun 😂😂😂

I would LOVE the Amex gold if my grocery store wasn’t Walmart lol

is it possible to combine chase and amex points via transfer partners to one account? If so, do you know which airline will allow this?

@Daniel_Braun

Жыл бұрын

Yeah there are some transfer partners that overlap with both Chase and Amex, so you could transfer to the same one using both points. Just as an example, British Airways is a partner for both so you could transfer 25,000 Chase points and 25,000 Amex points to end up with 50,000 Avios in British Airways. But NEVER transfer points to a transfer partner until after you've confirmed award availability with a specific flight you want to book because once you transfer points out of Chase or Amex you can't transfer them back!

CFF and Amex blue cash everyday my perfect duo

@Daniel_Braun

Жыл бұрын

2 of my favorite no annual fee cards!

16 credit cards is crazy.

@Daniel_Braun

Жыл бұрын

Yeah it can be a bit much for some people, but it's worked well for me!

Aren't flights and hotels booked through these portals more expensive then other sites like expedia...so are these travel cards really worth it?

My Wells Fargo Signature card makes my Active Cash a little more interesting 😀

@Daniel_Braun

Жыл бұрын

The Active Cash is a pretty good card overall for a flat 2% back! Thanks for watching 👍

@PurpleDrazi

Жыл бұрын

@davidwilliam9451 Yes, I don't seem to have any issues moving cash (Active Cash) and points (Signature) to each other. Autograph coming up soon! 😀

BILT master card is questionable as their only source of customer support is through social media and emails. Every time you get connected with a "banker" you get disconnected. It's frustrating for urgent matters, i.e. when I generated a rent check and there was an error in processing after it debited my bank account. Yeah, scary. But it is a good deal. 3x dining is pretty awesome for my collection of cards.

@Daniel_Braun

Жыл бұрын

I haven't had any issues personally with paying rent through Bilt, but sounds like customer service is something that could be improved for issues like this based on your experience! When I had an unauthorized charge on my Bilt card a few months ago, they had me call Wells Fargo and all of that was handled quickly and easily. But I guess the paying rent process is handled differently with customer service.

@LiangJessie

Жыл бұрын

@@Daniel_Braun Yeah, that's likely the reason. They were pretty great after finally having a consistent rep to speak with and they were able to resolve my matter and issue a 500 point for the inconvenience. Hopefully it's smooth on out from here!

What about the Wells Fargo Autograph?

i’m 18 and my first ever credit card was the chase freedom flex and i have had it for about 8 months now and i’m at a 725 credit score but i’m wondering if i should get a new credit card soon and if i do what would be a good choice for me to try to go for ? i’m super good at budgeting and know how to actually spend money compared to others around my age too. if anyone can help me in what i should go for next that would be amazing and i would appreciate any help! i was thinking about the amex gold but i don’t know if i would even get approved or not? i have a good income and have been working for a long time now. any thoughts ?

You don't have Venture-x? It's becoming my favorite card

What you think Hilton vs the Marriott card

@Daniel_Braun

Жыл бұрын

Both Hilton and Marriott have some decent cards, so it all depends on what properties you typically like to stay at!

What happened to Venture X ? With all that hype, It didn’t even make t16 lol

You are undervaluing the Ink Cash card. You can buy gift cards for so many situations at office supply stores and get 5x points instead of the weak multipliers that other Chase Cards has. For example I’ll buy Chipotle gift cards as I eat there a lot. 5x is better than 3x. Also I can buy Amazon Gift Cards and get 5X while saving myself having to buy Prime. You get free shipping anyways when you spend over $25 and I’ve never had a package take more than 2-3 days anyways. You can also put your cell phone cable and internet on the card. It’s a must have in the Chase setup

@Daniel_Braun

Жыл бұрын

To me I just don't like going through the trouble of managing gift cards and remembering balances and stuff like that. There's also slightly more risk if you lose the gift cards and some other benefits like purchase protection go away which could be valuable for certain purchases. I also don't have cable and my internet company charges an extra fee for paying by credit card so I just avoid (that which I didn't get to mention here in this video). Plus I personally prefer to keep my business and personal expenses separate, so I don't really put many personal expenses on business cards at the moment. But I know that the 5x on gift cards thing can be appealing for earning more points for anyone that wants to do that, so it's a smart way of thinking outside the box with these categories! Thanks for watching and commenting Brandon, appreciate it!

Wow. No venture x or savor one on that list ?

For "auto rental collision damage waiver" BILT has a max coverage of $50,000.00. Anyone know the max coverage for the chase sapphire preferred?

Crazy how no capital one cards on this list, esp the venture x or the savor. But hey, to each their own i suppose.

@Daniel_Braun

Жыл бұрын

I actually got denied for the Venture X back at the end of December so I've been waiting to reapply very soon! I really like Capital One and anticipate I'll add 1-2 of those cards, but they can be tough with approvals for someone like me with a lot of credit card accounts and inquiries

@luisvelez647

Жыл бұрын

@@Daniel_Braun I got denied as well! maybe they're super strict with # of accounts opened

What about Well Fargo Autograph? 3% unlimited cash back on gas ? If you’re truck driver or driving a lot i this it’s a no brainer. Please correct me if Im wrong

I’d get roasted if someone saw how little I use my Amex Gold at the current moment.😭But my wife and I are doing a last minute push for chase UR points before we book a 2 week long trip to Croatia next year. Back when I was using it (and when I’ll start using it regularly again in the next month)…the Gold is my number 1. As far as the cards I’ve been using the most at the moment, the Chase Freedom Flex is probably my top. The BILT has been heavily on my radar; might be a July pickup👀

@Daniel_Braun

Жыл бұрын

Haha I get that though! Honestly I've got a big imbalance of more Amex Points than Chase points lately, so I've been focusing on Chase points where I can as well. But as I was making this video it was tough to put anything above the Gold card. Nice to see the Freedom Flex mixed in there for you and possibly the Bilt card as well - paying rent to earn those valuable Bilt points has been fun for me!

@mrkitty5581

Жыл бұрын

I’m planning for Croatia too!

Is the chase 5/24 rule for personal cards only or does business cards against your credit count?

@N0BL36

Жыл бұрын

Personal only

@Daniel_Braun

Жыл бұрын

Only personal cards count towards the 5/24 rule, but you have to be under 5/24 to get approved for Chase business cards. So I could get a Chase Ink card at 4/24 and stay at 4/24, but I could not get approved for that same card if I was at 5/24

@justcallmebon2684

Жыл бұрын

@@Daniel_Braun Thank you! so if I need more business cards, get them first. Got it!

Hi, does anyone have a referral link for AMEX platinum & gold bonus offer ?

AMEX gold #1 for sure!!!

I'm waiting to sign up for the Chase Freedom Flex until the sign up bonus that includes 5% back on groceries or gas in the first year returns. Does anyone have any idea when Chase typically runs this promotion?

@markmishchuk8869

Жыл бұрын

The sign up bonus doesn’t include that it gives you points the 5 percent back is a rotating quarterly bonus that is coming up this July through September it’s a very great card though

@JoshGiebel

Жыл бұрын

I got a 20k points + 5% grocery offer for the CFF last December! Not sure if it’ll be back sooner though. Lucked out because it stacked with the Q1 2023 grocery rotating category

@Daniel_Braun

Жыл бұрын

Not sure when an offer like that will be back, but I got the CFF 5% grocery offer in October 2021 and my fiancé got the same 5% grocery offer in October 2022 - so maybe look out for it in Q4. Not sure though and I haven't heard anything on my end - but I'll update the channel if someone comes up!

@adamhoge7542

Жыл бұрын

@@Daniel_Braun Good to know. Thank you and keep up the good work!

I’m sort of confused. Let’s say I get a 0% apr card for 15 months. 10 months from now I decide to make a big purchase… does that mean I only have 5 months of 0% ? Or it starts when I purchase ?

Amex Gold & Chase Sapphire are my top 2 cards

@Daniel_Braun

Жыл бұрын

2 excellent cards right there and 2 of my favorites! I would have put the Sapphire Preferred higher, but I think Chase needs to improve the point multipliers just a little bit because I don't get to put much spending on it. I have it more for the features and benefits like transferring points. But both cards are great!

@clutchfitness8309

Жыл бұрын

@@Daniel_Braun Agreed, reason I prefer Sapphire is because the travel portal gives you a way better bang for your buck compared to amex.

Green Amex Card: *punching air*

@Daniel_Braun

Жыл бұрын

Lol it's an OK card in my opinion, just doesn't work too great for me right now. I might make a video talking about the green card eventually