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I was surprised by that number myself. Obviously I knew what we had done, but I only really tracked our larger redemptions. By the time I added in ALL of the nights and flights, I was floored. Thanks for watching!

Thanks! I don't think it's earth shattering, but it's going to work for us. I appreciate you watching!

I appreciate you watching and your input. My thumbnails could definitely be improved! I'm not at a place yet where it makes financial sense to outsource pieces of my creative process. Email me at ryan@travelpointsfamily.com so I can look you up when I do reach that point!

​@@travelpointsfamily i sent you sir

UR points are great for those two. Do you stick with UR earning cards or do you have Hyatt and United co-branded cards also?

@ I don’t have any co branded cards mainly just chase cards for right now but my goal for 2025 is to get that Hyatt card .. also bilt Mastercard is a great option for Hyatt as well .. not sure if you knew about that 👍🏻

@KevinBrownTV. If you don't have status with United, one of the United cards that provides free checked bags could be a solid pick up. The United Explorer card has an annual fee that's waived for the first year.

The BILT card is a great card for renters. If they start processing mortgage payments (as rumored), then we'll get it.

I am doing the same, I just got the WOH card with the 65k bonus. I also use my Chase Trifecta to earn Hyatt points and to top off my United miles when needed. I have the United explorer as well as the Hilton Surpass, Hilton is my backup hotel if there is no Hyatt where I am traveling. My next cards will be the Hilton Aspire and the IHG cards.

That's a great use of your cash back. It's also aimed at long term goals. I think more people would benefit from looking at their credit cards through a longer lens and consider more than paying off the next statement balance or using points for the next trip.

@@travelpointsfamily Agreed!

I'm going to keep an eye on it. I definitely thought about it though. Thanks for watching!

I'm not looking to be splashy =) The changes to the Venture X don't stop the card from being a good value, so I'm still going to apply around June.

I have all 4. You get used to which cards to use where pretty easily.

I appreciate you watching. I guess I have a different perspective than yours. If credit card issuers, hotel companies, and airlines want to compensate you for your loyalty, than I don't see a problem with using that compensation. Does that make me a credit card baller?

I wish I did, but there have been reports of Amex not counting tax spend towards SUBs. Thanks for the thought.

I am too! I hope 2025 is great for you! Thanks for watching and dropping the comment.

@@VinceSwenson I haven't had your experiences, but we've always managed to find value from our FNAs. I hope you've found a hotel brand that works better for you. Thanks for watching and dropping the comment.

@@MMSTUDIOS5 That's the best I can do. I hope my experiences can help you figure out what will work best for you and your family. Thanks for watching!

@@Deadflush You ain't wrong. Thanks for watching anyway. It'll be fixed in the next one.

I'm pretty sure I've got the focus issue resolved 🤪 I appreciate you watching. The Savor Rewards would be strong enough with FTFs to have a place in my wallet, but no FTFs is a little "chef's kiss" on top.

@@bryantlong6522 It earns well at a Marriott property, but not so well elsewhere. And when you consider the value of a Marriott point . . . your spend could be better spent on another card. I appreciate you watching and taking the time to comment.

All that matters is if your set-up works for you. Everyone runs slightly different set-ups. Just make the most out of yours. Thanks for watching!

@ronburn Thanks for watching. You're right. I recorded them on the same day and tried a new setting. On the camera's playback I couldn't notice it, but it's definitely there. I won't be using that setting again!

Thanks for watching! I do recommend that for someone just starting out, but when I applied the Welcome Offer for the Savor Rewards was elevated and the Welcomer Offer for the Venture X wasn't. This is the 25th card we've opened between Nicole and myself. We have some points to burn through, so we decided to slow roll into Capital One.

I'm at Hyatt first and then Marriott. I earn status at Hyatt the hard way because there isn't a true short cut. I have Marriott status through the Bonvoy Brilliant. I don't travel enough to justify a 3rd loyalty status, but I know how good the Hilton Aspire card is. I'm sure that one day the Aspire will find its way into my wallet! Thanks for watching!

Thanks for taking the time to give it a watch; I appreciate the support! I'm glad I was able to move the conversation forward. Hopefully we're able to help someone go #FartherForLess

Stan, thanks for thoughtful comment and for providing the inspiration for this video. The CCC is such a good card, it really could (should?) be in everyone's wallet; it wouldn't be my first recommendation for someone though. And maybe that's the light I was viewing the topic in, recommendations for a first card. There are a lot of good things happening at Citi and they are an issuer to watch in 2025. The WF Autograph is a card I never paid too much attention to before the Journey came out. I think the Autograph would be a better fit for my wallet than the Journey because of where I put my spend. The (limited) introduction of transfer partners was a real upgrade for the WF portfolio. Agreed about the Surpass. If you have it, it needs to be a daily driver. Thanks for the watch! Keep up the great things at your channel!

Year One with the CSP is filled with value - especially if you can snag an elevated Welcome Offer. This time next year, Nicole and I will be looking at churning ours. Can't wait!

The Savor Rewards card is a great card, but I don't like to start with a catch all card. I prefer to start with a card from the system that has a large SUB to jumpstart the fun.

The savor isn't a catch all

@jcaceres516 Absolutely right! A great cash back, zero-dollar AF card - but not a catch all. I still don't usually start with a catch-all card though. Good catch. Thanks!

Moving on. Focusing on other transfer partners. Thanks for watching!

You win some. You lose some. Thanks for watching!

@bkhunt69 1st: Thanks for watching and subscribing! I appreciate it! 2nd: I've had Platinum status for a few years now. This is my first year as a Globalist. TBH, I get more out of Globalist, but I can't always stay at a Hyatt. Do you notice a big difference between Platinum and Titanium status?

@@millennialmoneyprogress I do the same thing! Except for gas because the Costco Anywhere card gives 4% back. But I also product changed a Sapphire Preferred to an OG Freedom card for when the rotating categories land on gas or wholesale club.

I'm glad you liked it! Thanks for watching!

I'd wait for an elevated offer on one of them. The Flex, Preferred, and Reserve all have base offers right now. And try to keep 3 - 6 months between approvals. Thanks for watching!

I don't have the Reserve either, and I'm okay with that. Maybe we'll upgrade one day. Thanks for watching!

It's a strong choice - especially if you're getting started. Thanks for watching!

First of all, thanks for watching! Easy part first. Favorite hotel card: Bonvoy Brilliant. The best setup for Cash Back is a collection of 5% back, no annual fee cards: Amazon card, Target card, Discover It, Freedom Flex, Custom Cash, etc.

Thank you. It's been a rough time.

I think we all do. There's so much going on at this time of year. Thanks for watching!

Crazy, right?

It takes some time, but there are more points out there than you think.

Don't we all?!

Sometimes it can seem to good to be true!

Put those points to use!

@@ryanmatthew24 We had a good time. I got a transfer bonus on the next flight! Thanks for watching!

Personal experience or reputation?

Both unfortunately

@@giannaperez8240 Sorry to hear that. I know of Wells Fargo's well documented issues, but I feel that most banks have some predatory inclinations.

@@annaahmed2564 Thanks for watching. I'll keep doing my best.

Tough call. Doesn't fraud protection help your credit score, too?

Maybe, but they are all good reasons to use a credit card! Thanks for watching!

It's always good to compare your options. Thanks for watching!