THIS is why I love the credit card game. I feel like I say that often these days, but videos like this are what made me get into credit cards in the first place. The ability to make once-in-a-lifetime trips with your family completely funded by credit card points is what it's all about.

Thank you, Ben ! I really appreciate your advice .

Great Video! So excited to hear all the great trips you have taken. I’m newer to the game and I’m so excited to start booking trips with the points I have already earned!

Love the videos Ben! Information and tips are always top notch!

Great content. Easy to follow explanations. Thanks!

When I heard this video was brought to you by Dave, I immediately laughed & thought - Dave Ramsey? 😂

I'm only 2 years into the points and miles game, and I've been able to get some domestic travel pretty much for free. Can't wait to see what the next years might bring for more aspirational travel. Cheers from Puerto Rico 🇵🇷

Very informative!! Amazing stuff. How long have you been playing the game, Ben?

Very useful video. I would have loved to see spending over a year and how many points you've accrued through those. The taxes example was great but only one expense. It would really help to understand how much is required to spend to get a realistic reward travel through the cards.

Your channel made me Professional in Miles and points. Thanks

I'm only one year into the credit card game and already I can say between P1 and P2 it's saved us over $13k in travel on flights and hotels. From Germany, to Spain, to France, to Italy, and even NYC twice.

Love these redemptions video! Points are just imaginary numbers unless you use them!

Big fan of maximizing sign up bonuses. Thanks to my wedding, we hit seven of them and are sitting on a small mountain of points.

Is that an older marriott bonvoy card? I wish i had that design

You can pay taxes without fees?

How do you keep utilization low this way? 😮

Great video. But honestly the blue business Plus card is better because it earns 2X Amex points on business spend not just 1.5 on large purchases. Even though it's only a half point difference comment that can add up real quick.

It definitely pays to rope your partner into 2 player mode! I think 2 player mode has got me around 150,000 chase points more than I would have had otherwise haha.

Почему Вы не используете токенизированную карту в телефоне? Это же намного удобнее, + в кошельке можно держать до 12 токенизированных карт.)

Points and miles earned from credit cards can make things like this possible!!

Can we get a current video on the Wyndham card and if you can still status match it to mgm gold Caesar’s platinum etc.? Thanks

@TheCreditShifu

Жыл бұрын

You can match to Caesars diamond, but Caesars diamond to MGM gold is dead

@TheCreditShifu

Жыл бұрын

But if you already did caesars>MGM>Hyatt previously, you can keep matching back and fourth between Hyatt and MGM every year

Is the Marriott card worth it!

What do you use your wyndham points on? Hotel stays? I have been transferring them to Caesars usually.

@TheCreditShifu

Жыл бұрын

Yeah ill probably end up doing that, haven’t used them yet, just been accumulating

@mightylaidlow1

Жыл бұрын

@@TheCreditShifu although not the greatest hotels they do come in clutch when you need them and usually around 15k a night. Also, I'm sure you are aware, but you can use wyndham points on vacasa stays. Keep up the good content.

I use the US Bank Cash+ for Home Utilities (Electric and Water), and the CIC for Internet and Phone (and I noticed you didn't mention those categories). But more specifically, do you not use the US Bank Cash+, because it doesn't go to points?

@TheCreditShifu

Жыл бұрын

Right, I’m a points guy

Aaaand now Amex disallowing taxes towards SUBs. Not sure if property taxes any different

@TheCreditShifu

10 ай бұрын

Yep, its a constantly evolving game…

2 player mode is the only way I play the credit card game

Doesn't Walmart gas require you to pay via Walmart app in which the charge shows up as Walmart purchase not gas? How do you pay?

@TheCreditShifu

Жыл бұрын

I don't buy gas at Walmart, i buy at Exon or Mobil through the walmart app, and yes, it does code as gas

@mightylaidlow1

Жыл бұрын

@@TheCreditShifu Ima try this, love the wyndham card. Thanks for the heads up.

I didn't not receive the second emails that it is a great news

I knew I recognized you from somewhere. What happened to the Gen Films channel?

@TheCreditShifu

8 ай бұрын

I passed it to Allen, we split the company back in May 2022

@slickslabmcknabful

8 ай бұрын

@@TheCreditShifu ah. gotcha. I guess I'll watch this channel until we get to the future were money and points aren't needed. lol

I love Amex and chase

Spencer stole my thunder. This is why I came to the credit card game. Im late to it but trying to take advantage of what I can do now. Thank you for the awesome video Ben!!

@LK_EBM

Жыл бұрын

Nice! What's your favorite redemption so far?

@JonsCreditAndTravel

Жыл бұрын

@@LK_EBM nothing yet. Have only accumulated about 190K points so far.

So i took a look at this, and cant see how you purchase a business class flight with 65000 points when the redemption method only yields 1 cent/point. Maybe a statement credit, which, if my information is accurate, about get 6 cents per point.

@TheCreditShifu

Жыл бұрын

Transfer chase points to United

technically you can't get the 60k polaris business class anymore. at least to europe haven't looked too deep into it yet.

@TheCreditShifu

Жыл бұрын

I got it, booked about 3 weeks ago, from Europe to the US on a tuesday. But I did see United did just do another devaluation a few days ago

@Ryan31310

Жыл бұрын

@@TheCreditShifu Same here i booked a trip to munich a month back. glad i jumped on it.

Man I just can't pay that much fee just to use a credit card to pay taxes. I understand you're still coming up on top but I will just wait until my business expense will spend $15k in 3 months but everything else is awesome!

65000 points is worth a business class flight? I can't believe that. That's crazy!

@jakmere

Жыл бұрын

That's like 4-5 times the value on a delta sky reserve.

@TheCreditShifu

Жыл бұрын

Just 60k

As a churner, I find 38k unimpressive with your affiliate links...

@TheCreditShifu

Жыл бұрын

Hi, in general we don't use consumer level affiliate links, i.e. we don't earn points, we use affiliate links that earn us money, and yes we have earned a lot from that and sponsorships, youtube adsense etc... since we do this full time as a job. But this video is just about free travel using points.

Amex : *kills tax payments*

Love to see a Wyndham video, assuming it’s VACASA booking.

This strategy gives me a headache Feels like a salary for a lot of work.

You spent 15k on food?

@TheCreditShifu

Жыл бұрын

Yes

Last year I got the Air Canada credit card for $95 and that gave me an $11,000 round trip in Business/First to Amsterdam. $38,000 seems a little low for several years' work.

@TheCreditShifu

Жыл бұрын

It would be higher, but I mostly travel with the family, so it is harder to do super high value redemptions with 4 people

@RemcoAlexanderPhD

Жыл бұрын

It's a logical fallacy to think like this and all KZreadrs seem to make this mistake. You should think in terms of what you would have paid out of pocket for the same trip. I doubt you would normally pay $11,000 to fly across the pond.

@TheCreditShifu

Жыл бұрын

@@RemcoAlexanderPhD i don’t think thats a mistake. We are just showing how much value the points are worth. Its really not that serious of a thing that you have to be so technical about it, and besides, it is fun to talk about

@RemcoAlexanderPhD

Жыл бұрын

@@TheCreditShifu One could also argue that misleading thousands of viewers with unrealistic values IS a serious thing. In the end it's just playing into the hands of the banks, while they throw us some tasty freebies to keep us hooked to their game and have us spend more than we need. Don't get me wrong, I also enjoy playing the credit card game, but I do believe one should stay technical and analytical about it, and I think it would suit you as well if you could be more honest about it.

@TheCreditShifu

Жыл бұрын

@@RemcoAlexanderPhD yeah i know this is common argument that people have “although you got a business class flight, you only would have paid for economy so you can only value it at $1000 when the biz ticket would have been $4000” But I dont agree with it, I want to know how much the flight I am booking would be worth, so i know I am getting good value for my points

No such thing as free yall.