Thanks for tuning in! Want even more cash back? Checkout my second channel dedicated to bank account bonuses - KZread.com/RunonTheBank

@michaelstewart1838

11 ай бұрын

The link has a space after "live" if it doesn't work, that's why, idk how ubeetubee is acting on the link thing. Cheers 🍻 Edit: My original comment was removed, 🤔. Walgreens Mc 3x back on health related purchases out of store not 5x, Sledge misspoke on out of store rewards. Still an interesting card if you Frequent them.

@michaelstewart1838

11 ай бұрын

Original video, Chad's money minutes, Subscriber Saturday w/ Sledge @ roughly 24:00 asked what's in your wallet when you travel. 25:30 he goes into card benefits at Walgreens. ✌️

Love your videos Ryan! So Helpful! ❤🙂

That’s a great rundown for cash back! The best I’ve seen. Great job! 👏🏻

@RJFinancial

Жыл бұрын

You're too kind sir. One of the benefits of looking at all cards/issuers is we can find those odd ones that still add to a set up

As always fantastic content, I really like the board and it's a good thing to keep in mind just in case you pivot from travel to cash back.

@RJFinancial

Жыл бұрын

Thank you sir. This is why I'm a chase fan, you could add in a CSP then be back in the travel game. I also think cash back works for travel to a lesser degree. Buying Delta GC's at 5x for example

Mr. Cash Back!!! 👑👑👑 It was pretty interesting to see which card matched up with each category. Thanks for the info + video!

@RJFinancial

Жыл бұрын

Ever since I started going all out for bank bonuses I got obsessed with how much money I can take from the banks

Even though I’m team travel, I’m always so interested in 5x’ing all the things. Or to at least have that option. I also like the max cash rewards (cash plus clones). I would love to run a cash back set up one day!!

@RJFinancial

Жыл бұрын

Hey man, I took the name you bestowed upon me and ran with it. When I started hunting bank bonuses seriously that got me obsessed with seeing how much cash I could take from the banks

@LukesPointsandMiles

Жыл бұрын

@@RJFinancial btw - I just picked up a couple Omegas. I have an Explorer II on the way.

@RJFinancial

Жыл бұрын

@@LukesPointsandMiles Oh man... I want the original Dark Side of the moon so bad.. Been looking at them for awhile now. Congrats on the pick ups. Omega is fantastic value and an underrated watch... tho I think you could pull off the new Rolex ultra deep sea titanium thing

@mitchell.9632

Жыл бұрын

@@LukesPointsandMiles "watch out" on the way. Kinda of a humors play on words.

@LukesPointsandMiles

Жыл бұрын

@@RJFinancial ha! Maybe one day when I grow up and I’m not so poor.

Great video, thanks for the info 👍

Great Video! My favs for cashback setup are: Blue Cash Perfered Amazon Prime Citi Custom Citi Double Cash Chase Freedom Flex US Bank Cash+

@RJFinancial

Жыл бұрын

That's a solid line up. Amazon card is on my list, it would keep me from buying so many Amazon gift cards. Also picked up the Citi DC when they had the $200 bonus.

Such a fun video! I think it's cool to see all the different variations to get 5X all the things! Thanks RJ!

I’m somewhere in the middle though I lean slightly more towards team cash back, but really I just want to get the highest return on my spend so this is a really helpful video.

@RJFinancial

Жыл бұрын

Glad to hear it. You can play this any way you want really. It's why I like Chase and still consider getting the CSP, decent mid tier travel card that allows for flexibility. If you look for common transfer partners then you can bounce between travel and cash back in certain setups as well

Team Cashback is king but so is team travel as well. Great Video as always.

@RJFinancial

Жыл бұрын

Lol everyone wins? I could do this again with travel. It's hard because you have to watch the fees and transfer partner commonality

The KING of cashback himself!!! 👑I honestly really enjoyed this video. This is one of the things that makes the credit card game so fun to me. There are so many different setups that can be created to get you a ton of value, but this is definitely one (if not the best) cash-back setups you could have. Thanks for this one RJ!

@RJFinancial

Жыл бұрын

Luke created the name but who am I to argue?

The Cash+ is extrapowerful if your utility companies allow you to "pay in advance". My electric company allows me to add up to $1,000 at a time to my account via credit card for a flat $2.75 fee. I get a year's worth of electric bills (I live alone in a 1/1 condo, so not much need for electricity, and all other utilities are bundled into my HOA fee, so no earning power there) in one pass, freeing up three quarters a year to use this card on another category.

@RJFinancial

Жыл бұрын

That would be a good play for the cash + of for those who buy visa reloads on the ink cash. Easy to liquidate.

The BCP at least for me is super easy to offset the annual fee with. I already subscribe to Disney+ bundle and that card has an $84 credit for the Disney bundle. So that makes the effective annual fee $11. That means if you spend over $183 in the 6% categories you are in the green for that card for the year. I like to cook for my family so that is surpassed quite easily. It’s really an awesome card! In 6-12 months I am going to think about applying for the Citi CC and the Chase FF. I have the Discover IT and I like the rotating 5% :)

@RJFinancial

Жыл бұрын

Using the Disney perks makes it work. It's not a bad card. I feel the cap should be higher given the fee is the main thing.

Though my setup is mostly travel points, appreciate maximizing cash back, specially if it’s achievable without annual fees. Thank you again, awesome video.

@RJFinancial

Жыл бұрын

Appreciate it. Nothing wrong with travel. I could do a similar vid for travel. It's a bit harder as you have to manage fees to your point and transfer partner commonality

The Bilt card could be your travel card if you rent, transferable points and no annual fee. Paying your rent could get you a free night or two in a Hyatt every year.

@RJFinancial

Жыл бұрын

Good points. I've often wondered how much BILT cares about "fake rent payments" how much do they verify. Could be a good option for everyone if they're relaxed

I would love to see a 5x Travel Edition. I assume that’s more work but you could limit it only to issuers that have travel partners and exclude co-branded cards to come up with an ideal setup.

@RJFinancial

Жыл бұрын

The tricky part would be the type of constraints you want to use. Most people pick an airline and then maybe 1-2 hotel chains. From there you can find your common points currencies but gotta keep an eye on those fees

I am a subscriber and I really appreciate this. I have over 25 cards and am currently at 5/24 until September. If I want a USBank Go card, should I wait until at least one drops off? (I already have USBank Business Cash for many years with huge limit)?

@RJFinancial

5 ай бұрын

I'd try my luck any way. But I don't mind credit pulls. US Bank is inquiry sensitive so probably safer to wait. Problem is I don't know of a specific inquiry count they're looking for. So who's to say how long to wait

@BradleyHansonPhotography

4 ай бұрын

@@RJFinancial Appreciated. I think 2024 is the year I get rid of more cards than I get...

What do u think is better the citi DC or the CFU more towards travel but don’t mind the cash back

@RJFinancial

Жыл бұрын

If you could only have one, the CFU wins. Having 3x dining and drugstores is slightly better than a 2x everything but it's pretty close unless you're going to count multiple chase cards.

Hey RJ I love the 5x videos!, I feel like you could have included the Amex Blue Cash Every Day that would have been a good second option to Gas Grocery & Shopping

@RJFinancial

Жыл бұрын

And ruin the "Anti Amex" image I have? I joke, that is also a fair option. The refresh a few months ago made it relevant again

@terrelmoss1444

Жыл бұрын

@@RJFinancial Does the BCE card Earn MR points?

@clifford629

Жыл бұрын

NFCU More Rewards does 3x Groceries/Gas/Restaurants. Savor One does 3x groceries/dining. Autograph does 3x gas/dining/phone plans.

@clifford629

Жыл бұрын

Anywhere he mentions BCP you can swap for the no fee little brother BCE and not worry about spend min to justify the annual fee.

@terrelmoss1444

Жыл бұрын

@@clifford629 True but for Navy Federal you gotta be a Active Duty or Veteran, Capital One does a hard pull on all credit bureaus, and Wells Fargo has a history of mistreating customers

Another interesting route is using cash back debit cards. The Juno debit card offers 5% cash back at 10 merchants of your choice from their list. The Albert debit card also has cash back on offers that you have to activate similar to the Cashapp Debit card. I also got an email saying that I believe was targeted from Gemini. They are offering 10% back in a crypto of your choice up to $200 a month in spend on gas at the pump or EV. This is a limited time offer for new and existing cardholders, and you must be approved on or prior to January 15, 2023.

@RJFinancial

Жыл бұрын

I have Juno and Albert. Been meaning to do a Juno video on the second channel as they keep sending out emails with a promo all the time. Not a big crypto guy but i'll do anything with a cash signup bonus

@RonnieM90

Жыл бұрын

Albert is now requiring you to pay a minimum of $8 a month for their genius plan to get cash back, so I do not recommend them anymore.

do any of these cards actually include walmart and target?

@RJFinancial

Жыл бұрын

Doubt it. Walmart usually codes as a discount store. Capital one has the Walmart card and it’s pretty good. 5x back I believe

Besides the 2% catch all card, what card would you use for warehouse shopping?

@RJFinancial

Жыл бұрын

I've heard folks mention AAA cards. The new ones have 3% at wholesale clubs i've been told. I added them to the list to make a video on

I am gardening in case my wife and I buy a house next year, but I’d love to have multiple Citi Custom Cash as the endgame

@RJFinancial

Жыл бұрын

Multiple is a game changer. Getting denied for the Premier in the summer kinda set me back on that. Good luck with the house play

RJ please do same for maximizing travel rewards across spend categories

@RJFinancial

6 ай бұрын

I could give it a try. Harder than cash back and more subjective, depending on the chains you like and travel preferences.

How long should you wait to apple for more cards if you just got 3 28 days ago? If you talked about this before can you add the link?

@RJFinancial

Жыл бұрын

If they were separate issuers then I think it's fine to try one more. There's always a chance another issuer gets scared off by the amount of inquiries but I'd still try it myself.

People underestimate what I call the power 5 Citi set up. 3x Custom cash. (Grocery, Gas, Food) 5.55%back. The Citi Rewards +. (purchases under $2) Adds 10% to redemptions of all citi cards. Citi Double cash. 2.22% back. All with no AF. Of course others to round out other categories. But no one talks about having multiple Custom Cashes.

@RJFinancial

Жыл бұрын

It's my goal it to get more Custom cash cards. getting denied for the premier set me back. I think it's a powerful cash back setup. It makes Citi relevant again

@chags3512

Жыл бұрын

How does that extra 10% work? You transfer the points over to the rewards+ and redeem there for the extra 10%?

Now maybe an option for five percent on grocers would be the *Comenity* AAA Daily Advantage card. And the duel setup of the Comenity AAA Travel Advantage card would be good for five percent on gas and electric charging stations. On a catch all in year one the Discover Miles plus a $100 sign up bonus though referral link. Good options overall, good sir, RJ.

@RJFinancial

Жыл бұрын

That is a good call. That's the problem when I tape so far in advance. I have a vid on the AAA cards in the queue as well. Sneaky good cards for everything but insurance lol

Does Huntington have airline transfer partners?.

@RJFinancial

Жыл бұрын

Not that i've seen. Straight cash back issuer

HBO/ netflix Streaming can be 30-40 per month, might start using second custom cash for it

@RJFinancial

Жыл бұрын

That's true. I do want a second CC, may PC my DC to it next year or make another run at the Premier and PC that one

@clifford629

Жыл бұрын

I use the US Bank Cash+ for 5% internet and streaming (is a bonus).

@clifford629

Жыл бұрын

BCP offers 6% on Select Streaming.

Can you apply for a second cash+ card if you have one already?

@RJFinancial

Жыл бұрын

I've heard of people doing it but I don't know specifics. USB is so uptight so hard to say. I think a good move could to get the shoppers rewards for one year then downgrade it to another cash +. I would think that's allowed. You can also look for smaller banks that use Elan Credit as their credit card provider. They have a card called the max cash rewards card that's an exact copy because US Bank owns Elan Credit. kzread.info/dash/bejne/epOWpMuGf7XbdbQ.html

@aaronruminski7674

11 ай бұрын

The Elan max cash cards are a better alternative. They are easier to be approved for, and you don't have to keep reactivate the catorigories. I prefer their category choices.

Second damn you beat me for a few seconds

@RJFinancial

Жыл бұрын

Lol, spirit award to you this evening. I respect the hustle!

I've been so burned on gift cards by online flippers who slowly turn into scams, glitches with online promos, or employees that return the wrong card with zero balance. We still buy gift cards, but only when they're at least 10-15% off, from a reputable source, and an employee never gets two gift cards at the same time. Big Costco, Sam's Club, and Cybermonday deals are about it. Otherwise I would rather just uses the best credit card with a merchant and not have to worry about it.

@RJFinancial

Жыл бұрын

That's smart. I probably put too much money into GC's. Trying to get out of the habit, kinda why the Amazon card is on the list, it would keep me from amassing so many Amazon dollars via GC

BMO Harris cash rewards is a good card for streaming and cell phone/ ISP 5% & 3% groceries and gas. Affinity FCU cash rewards cards is also a great card

@RJFinancial

Жыл бұрын

Both good calls. I have an Affinity vid in the works as well. Nice sleeper card and of course I love their referral program on the bank side

What about warehouse clubs ?

@RJFinancial

Жыл бұрын

I've heard people mention the AAA cards as 3% wholesale club option. I'll do a video on them in the near future

@echo021

2 күн бұрын

@@RJFinancial Yes, please. I'm here for it

Why are you "ALL"SLEEP at the wheel with the PayPal card???? 2% cashback on everything and 3% back on Paypal ?

@RJFinancial

Жыл бұрын

Eh, it's alright. I'd say a nice to have but 3x isn't that much more impactful than 2x for me to prioritize the card

With Trump running in 2024, hopefully we’ll get 5x terms from him!

@RJFinancial

Жыл бұрын

Ha I assume you've already donated all your points to the 2024 fund

@lopezzepol1

Жыл бұрын

@@RJFinancial and i donated all of your cash back! #MAGA2024

@shojus

Жыл бұрын

🤣👌

@lopezzepol1

Жыл бұрын

@@shojus GET BACK TO WORK

I would personally add the Paceline card for 5% back drugstore/gym/groceries and more importantly 3% back everything else. The catch is the $60 AF but again you get $169 of giftcards back guaranteed ($39 in Amazon, $130 in Whole Foods/lululemon/Ukraine). Also the AAA cards one for 5x back groceries +3% wholesale clubs and one for 5x back gas + ev charging sounds like good options too, both with no AF

@RJFinancial

Жыл бұрын

That's not a bad add. Apple watch in year one helps too. AAA cards are surprisingly good. I'm going to do a separate vid on them at some point.

RJ, good job with your computer presentation,…. And out of your 24 listed cards here I only have one of them (Amex Gold) in my 10 cards setup. You can tell I am team travel ✈️🏨🍺

@RJFinancial

Жыл бұрын

Thank you sir. Seemed easier to do it quickly then trying to edit all in. Ha and I didn't even pick the gold. I could honestly do this same exercise with travel cards. It would be harder as you'd have to manage the fees and the transfer partner compatibility

@clifford629

Жыл бұрын

Does Team Travel do a max rewards all the things or is it a maximize in the ecosystem (ex. Chase, Amex)?

Based on your categories, here's what I've got currently Groceries: BCP 6% statement credits Phone/Internet: CIC 5x UR Dining: CFF 3x UR Gas: CFF 5x UR until Q4 next year Utilities: CIC 5x UR via VGC prepay or BBC 2% statement credits or PayPal MC 2% cash back Gym: BBC 2% statement credits/ PayPal MC 2% cash back Catchall: BBC 2% statement credits/ PayPal MC 2% cash back Shopping: Prime Visa 5% cash back / PayPal MC 3% cash back Gift Cards: CIC 5x UR (almost always VGC, Home Depot or Best Buy for me) Travel/Transit: CFF 5x UR / BCP 3% statement credits Rent: N/A for me Entertainment: BCP 6% statement credits (streaming only, but a huge category for me with YTTV/PPV) Rotating Categories: CFF and DIT I like to think this is a pretty robust setup that hits all the categories with a minimum of issuers which gives you a high concentration of rewards and """relationship""" For me personally, having cards from a dozen or more banks and issuers isn't as +EV as sticking with three or four of the top dogs. I've even considered dropping the PayPal MC because of Synchrony's history and the shenanigans that PayPal have been pulling recently, though I haven't had a bad experience myself. Chase and AmEx offers in particular go a long way towards me preferring these issuers and why I think the BBC is probably the best 2% catchall out there. Having access to the offers can lead to huge +EV. The Chase shopping portal can also get you a ton of extra multipliers, I like it much better than Rakuten or Honey etc. If I was going to add cards to this setup it would be CSR, CFU (hopefully with 5x gas/groceries), CCC, Cash+ in that order. I'd definitely product change my Discover Chrome to another DIT or NHL card in a heartbeat if Discover ever gave me the option. If you can get the BBC $500/$15k offer it's 5.33% catch all on up to $15k spend in the first year. Or just go into 4 player mode and churn Inks like the pros.

@RJFinancial

Жыл бұрын

I love it. I agree on having cards from a ton of issuers. I don't mind with cash back as much so long as I can redeem easily. It's what sold me on the citi DC over an WF Active cash. It's also why I still don't love getting more US Bank cards. Good cards but redemption rules are silly. Huntington at least lets me redeem any amount of $25+ which is fine as I cash out once per year.