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Nice, same here!

Nice plan, it's such a sweet bonus for $0 fee

Interesting thoughts, that could be very insightful though for the reasons you highlighted, probably a tricky exercise. Ultimately for points & miles, i think earn & burn is almost always the way to go if possible, whereas doing that for cash probably won't land you in a good spot long term. Thanks for watching!

My sentiments exactly, I'd try to get on the companion certificate every other year. Thanks for watching Mark!

Followed by earn earn earn, burn burn burn

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Earn & burn is the name of the game. Glad you found them helpful Nathaniel, thanks for watching!

Haha Sirius is the man! & agreed, AA miles have arguably been the most valuable for me as of late. Thanks for watching Michael!

Yeap as much as individuals airlines may be devaluing too much for profitability reasons, devaluations happen also just because of economic forces. Thanks for watching Mark!

Yeap i'm in the earn & burn camp too & am also primarily focusing on sign up bonuses. Seems like we're doing good in lessening the impact of devaluations.

Great points, hunting for saver awards can often prove futile especially on premium routes.

It's been awesome and refreshing seeing Alaska miles becoming more competitive, especially now that Bilt can be a transfer to them

I personally don't have the BILT or any of the Alaska cards so I envy the great value that you guys are getting from them.

I can see value in consolidating your balance into 1 card. Even though it's not my favorite card (as is probably clear from my ranking), it'll still give you positive value as long as you pay off the balance on time & in full every month.

I tried to focus the discussion in this video on the credit cards themselves rather than my thoughts on the issuer. That said, I totally understand your sentiment towards Wells Fargo, they don't have the best reputation to say the least.

Closing some of your cards can definitely improve your approval chances. That said, I would generally avoid closing your oldest cards and cards that you get good organic value from. Waiting for inquiries to fall off can certainly help too. Reducing your overall credit limit may also improve your approval chances. This can be done by simply calling the issuer and asking for the credit limit reduction. Good potential alternative to closing cards.

Seems like you're not doing your research before you post you need to do your research. The car has no foreign transaction fee and that actually is a pretty good card card.

Thanks for watching & for pointing out my mistake. Yes that makes the card much better than I initially thought.

@@MontyTheCardNerd plus theres also 5x extra on restaurants they are partner with here in vegas they have over 200 and i have used it in Sedona had a huge list also thats statement credit ..... plus they where running 10,000 bounce to off set the first year fee

@@nicholaselia7943 That's awesome that the card has some elevated multipliers and extra year 1 value, might have to upgrade it in the rankings. Glad that you're getting good value from the card!

Absolutely, hope the merger pulls through & alaska's incredible award charts don't get nerfed. Thanks for watching Michael!

Yeap typically if an elevated offer is available publicly or just ended within ~1 month earlier, you'll have a chance to get matched to the elevated offer. Always worth a shot!

Thanks so much for watching!

Yeah i keep going back & forth. Most likely won't transfer Amex points mainly because i'm low on them, but strongly considering the Hawaiian airlines card.

Perhaps your statement (for the period when your friend got approved) hasn't closed yet. If it has, I'd follow up with Chase.

I believe so, though I suggest to have the purchase be at least $1-2.

@@MontyTheCardNerdmaybe they’d covert Hawaii airline’s points 1.5 points to 1 Alaska mile .

That's right, wouldn't be too surprised even if it was 2:1.

Right these fintechs be trying to innovate i suppose.

Yeap it's good to have a more diverse credit profile, so long as payments for everything are on time and in full. If you also value cash back rewards, this would be a solid option for you!

That's exactly what went through my mind as I learned about this card. Also while it's better than other 5% cards in some ways, it's not miles better. Thanks for watching!

Yeap I think if this worked like a traditional credit card and showed up on your credit report as such, it'd be far more intriguing.

Aside from that, the card is a good card to team up with the Discover It Cash Back, Chase Freedom Flex and the Citi Custom Cash. Even though the Custom Cash is for only $500 monthly and you choose the category via highest spend. I have 2 Citi Custom Cashes of them and one was a product change from a Citi Double Cash. I have all of the latter 3.

Yeap not a fan of how the card works, but if indeed you can automate payments & avoid interest, it's intriguing for people focusing on cash back. Thanks for watching Mark!

Absolutely, since this card only covers 1 category at 5%, you'll need other cards like the ones you mentioned to get (almost) 5% on everything.

Good to know that no hard pull isn't always the case, thanks for sharing your data point.

That's awesome yeah I flew KLM once too & enjoyed the experience. Agreed that redeeming through partners is riskier given lesser availability & potential complications with cancellations & such. Thanks for watching!

I agree that's likely the reason. Not surprised as Capital One has a relatively large share of its card members holding balances. Thanks for the tip!

Haha yeap wouldn't recommend taking advantage of these bonuses unless you have a trip in mind already. Thanks for watching Nathaniel!

You should absolutely do it! I'd love to see a review on that on your channel. I'm intrigued by the product too. Thanks for watching Mark.

Amazing value indeed! Love also that availability isn't essentially non-existent like with some other programs. Thanks for watching.

Yeap the redemptions can cost very little points, especially if you double stack the transfer bonus with the promo rewards. Though the taxes/fees can be a bit high, especially for Europe to US.

Yeap, makes for 1 of if not the cheapest way to get precheck / global entry.

Agreed, personally i'd only go for the Venture for the sign up bonus. Though it does have value as a 1 card travel setup.

@@MontyTheCardNerd V1 + S1 is a good no AF setup. Planning to downgrade VX to V1 next year.

@@yurig2530 Agreed, good multipliers for no AF plus access to transfer partners.

Absolutely. Titanium status isn't too far off if you can stack the 15 nights on this card with the 25 on the Brilliant.

Ah that elusive Savor One card. Great to hear though that your preapproval results have been getting progressively better. I wonder if it's because you've had hard inquiries fall off your credit report and/or you've closed some accounts recently? And yeap Amex and Chase make for great long-term travel setups, especially with Chase if you can hit multiple bonuses on the same cards. Thanks for sharing Chris!

@@MontyTheCardNerdNo actually nothing has fallen off yet I think that was just all due to me checking the pre approval site throughout the 6 months since getting the Venture X. The most hard inquiries I have is with Experian at 5 and one of those will come off in a few months. I have 17 total accounts and only 4 of those are closed accounts. I have 2 credit cards in the past 12 months, and 4 total in the last 24 months. So I think I’ll just chill until one of my inquiries falls off and one of those credit cards fall out of being workin the 24 month range before trying the pre approval process again.

Very helpful data points, thanks! It could also be that Capital One's underwriting criteria changes quite a bit over time. All the best, hope to hear good news from you someday

@@MontyTheCardNerdGlad to help. C1 is a tough nut to crack but lucky for all of us there are tons of other options out there.

That's right. Important for beginners to note but unfortunate for mid/late game folks.

@@MontyTheCardNerd I got both of my C1 cards after having 50+ cards already. C1 cards are nothing special though. I'm not that excited.

@@yurig2530 Wow that's surprising to me! Wonder if you did anything specific before applying for C1 cards? E.g. limiting recent hard inquiries, spending more on existing C1 cards...

I wouldn't expect them to add any of the "big 3" carriers. Delta seems to have a pretty exclusive relationship with Amex, also United / Southwest with Chase, Citi with American (and AA isn't even a Citi transfer partner). Jetblue is the most likely candidate in my opinion. Thankfully, there are opportunities to use partner miles to redeem on domestic carriers, for example using Turkish miles to redeem on United. Often, it'll cost less miles to redeem through partners.

Thanks for watching!

Completely agree. Though if they insist on declining value maximizers for their cards, I wish they'd at least have defined rules like 5/24. The unclear nature of their current "rules" is arguably more annoying to me.

Tried using my new venture card at Costco and it kept getting declined…took me a good minute to realize it was cause it was a Mastercard. It was so strange to me

Haha I can imagine. Just recently learned about Costco's exclusive relationship with Visa myself, certainly limits flexibility but at least Visa cards are pretty common.

Congrats on getting the offer! I'm with you there, hopefully my prediction of a buff to the card comes to fruition and you'll have something to think about in a year.

@@MontyTheCardNerd yeah I think they’ll have to do a refresh since the 2 lounge visits will be discontinued at the end of the year

Thanks for sharing the correction and history!