You left out the best part of the Aspire, the free night certificate you get every year

@donaldrobertson5747

Жыл бұрын

Figured someone would beat me to this response. Free night and top status, if you travel semi frequently and like Hilton this card is automatic. Diamond status isn't fabulous stateside (though breakfast is always nice) but can make for high frequency upgrades (suites included) overseas. Definitely A tier card.....S tier if frequent international traveler.

@professorpython646

Жыл бұрын

Plus the $250 airline credit as well. Definitely an S tier card.

@EvoX2004

Жыл бұрын

The brilliant is not a higher tier than the aspire 🤷🏻‍♂️

@locotrav23

Жыл бұрын

And priority pass full membership and the $100 property credit at Conrad or Waldorf Astoria. The card is straight up broken and I get thousands of dollars worth of perks from the card every year, def S tier

Dang the Amex Gold isn't an S-tier card?? The Gold card is my workhorse card in my wallet and I think a ton of people would say the same. I just love being able to use it for everything food-related without having to think about it. If you can take advantage of the credits every month, this card is a no brainer! Loved this video Idea man! Great work.

@LukesPointsandMiles

Жыл бұрын

Spencer you are right. This one was brilliantly edited but severely lacking in real information.

@donaldrobertson5747

Жыл бұрын

Agreed. Gold is definitely S-tier and honestly Amex's best card for 'everyday people'. Take a ride or eat w/ Uber once a month, grubhub once a month, boom effective annual fee is ten bucks for the card. Massive earner for little to no effective AF.

@SpencerJohnsonOfficial

Жыл бұрын

@@donaldrobertson5747 I agree with you Donald! That's why I love my Gold card.

@stevenp25100

9 ай бұрын

​@@donaldrobertson5747gold card in A tier when savor one is better with no annual fee? Ok then. Enjoy paying more.

We’ve had the Blucash Preferred card for several years and with the kids in the house, the 6% back is awesome! I easily qualify for any Amex card but why pay more for random points and lounge points most never use. 🤔

Gold card, hands down, is my favorite Amex card. It's my daily driver.

@Tristin471

11 күн бұрын

Even now, after the refresh?

@ChrisRuzin

11 күн бұрын

@@Tristin471 Nope, not after the refresh. I'm most likely going to switch once my annual fee comes up again.

@Tristin471

11 күн бұрын

@@ChrisRuzin I figured that you would say that. I never even had the Gold card, and I don’t like the refresh.

Just signed up for the blue cash preferred last night!

My Platinum card arrived today! Was targeted with a 150K points offer - but was hesitant, because I had the business platinum and personal gold card about 20 years ago - but because I sucked at finances back then - they had both been shut down about a decade ago. Thankfully, from watching videos from yourself and others I’ve rebuilt my credit over the past couple of years, so I thought I’d try it out since they offered the preapproval thing like the Apple Card where you can see if you’re approved or not and accept/decline and crazy enough I was approved and it just arrived a few hours ago.

@trumpetboyclassical

Жыл бұрын

Congrats!! I got mine two weeks ago and I love it. I already booked at hotel with FHR. I’ll let you know how that goes!

@Americanomondays

Жыл бұрын

@@trumpetboyclassical Nice!

@carybtyd

Жыл бұрын

I love love the platinum

@Americanomondays

Жыл бұрын

@@carybtyd Yeah, I'm excited to get back into the AMEX ecosystem after all of these years. And this time around, I actually know how to use credit cards - and not get used by them

Nice recap, although we will have to agree to disagree on the Delta Amex Platinum. Few annual fee cards are so easy to come out way ahead of the AF than this one IMO. $250 for free checked bags and a BOGO flight valued anywhere from ~$350 to $750+ is very easy to do with a travel partner. I can see if you were single that the viewpoint would be different. I live in MSP so lots of Delta flights available for me helps too. But it’s a keeper card and one of my favorites. Nice video!

The Marriott Bonvoy brilliant credit is for $300 in dining now. A lot of the tier list does not take into account the intangibles such as hotel status, nor the free certs/companion certs that basically completely offset the annual fees (for hotel and Delta cards). In addition, those cards are rarely used for their multipliers. Solid tier list otherwise, though I would disagree with the BCP being so highly ranked due to Cashback cards from other companies offering similar rates with no annual fees

Aspire is definitely S tier. My favorite card to use for any hotel stays and the airline credit is super easy to use if you know what you’re doing :)

@wanderingdoc5075

Жыл бұрын

Exactly, he completely dropped the ball on that one. Aspire is S tier all day - it's probably the most valuable American Express card, and the blue cash everyday is a better value than the Blue Cash preferred.

You left the $250 airline credit and the free night off of the Aspire. You can get $1k+ value from Aspire and $1500+ value from Platinum without ever even using them. They can sit in a sock drawer and you'll make more than you spend on both. How are they not both S tier? Love your content but you blew it on both of those.

I don’t know why people hate on the Amex Everyday Preferred card so much. I think it is a great card if you combine it with another Amex card like the Gold card. Think about it if you get the 30 transactions in a month you get 4.5 points per dollar on groceries, 3 points on gas, and 1.5 points for everything else. I just use the Amex Everyday on groceries for my first 30 grocery transactions then I switch to Amex gold. That way at lest for my first 30 transactions I am making 0.5 more points on groceries.

@scarling9367

Жыл бұрын

💯 unsung hero if your adverse to high AF. I know the Golds credits aren't always usable some places. It's a Gold and BBP wrapped into one. Just not as flashy.

Everyday Preferred is NOT a C-tier card. You can pair it with the Green Card, or the Platinum for a "decent" earning setup. It's A-tier or maybe B-tier at worst...

@JustinCage56

Жыл бұрын

Not an A-tier but a strong B-tier

Um.. you didn’t do the Aspire card justice by leaving out more than half of its benefits. I can understand you don’t like branded cards, but glossing over key benefits is misleading.

Love Amex! I have 8 of their cards. Of the 8, Gold is my most used.

@Anthonyjones-pq4ff

Жыл бұрын

Eight of them oh wow How many of them A/F cards? Out of the 8 which one is best for Gas & streaming just curious…

@ricklopez8431

Жыл бұрын

8?! I thought the maximum amount of cards Amex let's you carry was only 5

@kevjak357

Жыл бұрын

@Rick Lopez 3 are charge cards. (Plat, Gold, Green) the others are credit cards

@kevjak357

Жыл бұрын

@Anthony jones all but 2 are A/F cards unfortunately, but they all have their place. Blue Cash is best for streaming. I use a non Amex card for gas that gives me 5% cash back

Love my BCP card surprised it's the only S tier card though.

People always leave out the Amex gold also offers 2x points on all travel aside from flights booked with Amex travel

Gotta say, Gold is definitely S tier from the everyday benefits alone

Just got my Rose Gold card in the mail with a targeted 75k welcome bonus!

ok i know all this is HIS personal list and that's fine but putting the Amex gold on A for me is already strike #1 and strike #2 is also putting the Amex green on the same level as the gold card. if gold was A tier in my opinion the green should have been B tier. after that i just stopped watching pretty much.

I got the AMEX GOLD TODAY PERSONAL CARD ✨️ its my 1st Amex Card

Would the blue cash preferred make sense if I already use the gold for groceries and use my sapphire preferred for streaming at 3%. Would the everyday make more sense?

@mprubio84

Жыл бұрын

Yes after you max out your 6% back for groceries for the year you can revert to the gold

Ooof. Love the channel man but you really missed the mark on Amex cards. Unless this was an exercise to get people to comment, then I would say Amex cards are definitely not your strong suite. One example is you definitely never Analyzed the Aspire card.

You are low on all of the Delta welcome bonuses. The Bonvoy Brilliant is $650 instead of $450. I would put the Aspire above this one by a good margin. Thanks for the content.

The thing about the hilton cards that I keep seeing is as a diamond member you get another multiplier of hotel points spent, so you get another 100% points from hilton. On top of that, you can pay the double points rates if you want to get another 2x. I think the optimized return I've heard is something like 34x hilton points. You also get suite upgrades as diamond, not just "room" upgrades as gold, which is something I recently learned. If the platinum weren't points heavy on flights, I'd go that route, but I really never want to fly again lol

I think Hilton Honors is giving out 100k+100 statement credit as SUB before Oct 26

Amex and chase All free for military. The real pro tip is knock out the large tier perks first before moving to next. Also waiting about 6 motlnths is best for credit score

thanks for making this video it made my day it was so entertaining im going to sub

How is Amex Gold not in the S category is beyond me 😂😂

Don't know about that Aspire rating....😳

Have to disagree with the Aspire overview. The Aspire gives $250 incidental credit, $250 resort credit, a free night certificate as soon you get the card, $30 daily dinning credit, priority pass and Diamond status. No other card in the market can provide anything close to that. Overall great video but the Aspire is GOD tier.

How did you put BCP s tier but the citi custom cash a tier? Make that make sense lol

Aspire is easy S tier

@MasonsTurtle

Жыл бұрын

Yeah, the Aspire card is definitely S tier. People purposely upgrade their regular hilton and Surpass cards to the Aspire card so that they have three of them and it still justifies the cost. The free night has no limit so I can book a $1500/night resort hilton hotel and if I have three cards, that's three nights or $4500 free.

How did you mention Bonvoy's free night but not Hilton Aspire's free night? You also should had mentioned with Gold and Diamond status you get a daily food and beverage credit $10-35 (depending on the hotel brand). You also get a $100 dining credit for Waldorf and Conrad stays. Hilton Asipre is easily S-tier plus the $250 airline incidental credit combined with the $250 resort credit easily pay's the AF

You missed arguably the best card, charles schwab amex platinum card

You forgot that on the blue Cash Preferred there’s a 7 dlls credit per month for Disney Plus.

Thank you for your reviews, very helpful! Also, are you Ukrainian? I love the stock video footage from Приватбанк ❤

Excellent video!

this video came at the right time but before I get the amex I feel I really need to complete my Chase Trifecta 😭😭

The video edit 🔥🔥

Getting to the Amex Gold Card is my ultimate goal. What would you recommend to someone who is starting over with their credit on getting one? Started building it again about 10 months ago, I currently have 4 credit cards, 1 secured, 3 nonsecured and a car loan. I never carry over a balance on any of the cards, my car loan autopays out of my checking account and my reported card utilization is always 10% or lower. I'll admit I went overboard applying for cards the last few months as it was quite exciting getting approved. However I have 6 inquiries so I know I'll need to wait a while before applying for anything else. But I was thinking of eventually applying for the Amex Blue Cash Everyday card just to get my foot in the door with Amex before trying for the Gold Card since they most likely won't take a hard pull on my credit due to already having a card with them. Would this be a better idea than just going for the gold card first?

@realize8739

Жыл бұрын

yes, depending on your credit spending patterns & FICO -score, make sure your above a 700 to increase your approval rate. I recommend utilizing their pre-approval soft pull link if your planning to apply initially for an AMEX -Gold A/ S -Tier card in my opinion. Please notice if you receive an invitation when applying for the AMEX -Gold this increases your chance of approval as their is no preset spending limit with this card. Good luck!

@StrongEnough78

Жыл бұрын

@@realize8739 Awesome! Thank you so much!!!

@StrongEnough78

10 ай бұрын

@@MrBankRelations Oh I already got it lol. Had that since June I think. Got the Green card a month later. 😁😁

Honestly dont feel like the gold is S tier the freedom flex does its job significantly better but the platinum card should be S tier for its perks

Please do a video with discover bank credit card

This doesn’t seem like a very well researched/accurately informative video, unfortunately. Quick example the Apire has way more benefits and credits than are listed (easily offsetting the annual fee), and the Platinum also gets 5x points on flights booked directly with carriers. It’s a very well produced video though, I’ll give it that!

Is it true that if you already have a American express card when u apply for a new one it's a soft pull?

@aaronhutchinson885

Жыл бұрын

Yes.

This list looks all kinds of wrong, in my opinion of course! Aspire, Gold, Plat are S tier, and I wish you included the biz cards too!

What are the easiest amex cards to get? I'm sitting at a 670 fico on Experian. I don't want to waste a hp and get denied.

@secretchipmunk7

Жыл бұрын

Including business cards too please

@altstrange3663

Жыл бұрын

If you want to be safe you should try to wait to get a 700, but preferably 715 fico score and to be honest with you Amex is pretty hard to get. But I think you should try to get the Blue Cash Everyday Card. Amex usually wants you to have a 700 at least.

@secretchipmunk7

Жыл бұрын

@@altstrange3663 I guess the store ones accept lower scores... Like delta. I'm just going to wait till I'm back to 740-770 and then I definitely don't need to worry

are ALL points and miles combinable within all of these cards?

@anonymoose2474

Ай бұрын

Yes. And you can transfer them to Charles Schwab platinum Amex card for 1.1 cent per point for cash back instead of .6 or whatever it normally is

The aspire has a free night that you left out, with that alone the yearly fee is justified.

What does S stand for?

@anonymoose2474

Ай бұрын

What do A, B, and C stand for

Last night I literally took a pound of ground beef and made two oblong burgers out of it (2 slices of cheese each)... slapped a low carb wrap around each of them and absolutely demolished them. 👍

This is a terrible video. While the bcp is a good card making it S tier and it only gives cash back is misleading, because for someone that wants points it’s not even on the list at all. And someone please tell me how the platinum and green card are on the same level?

😁👍💳

Hmmm,i downgraded my blue cash preferred to the regular blue cash,it seems like a better card especially with the 3% online shopping

Lmao they denied me a Blue cash credit card with a 760 Experian and 120k income, but approved the Rose Gold charge card.. go figure. Their customer service is absolutely worthless