🚨 Use code "SPENCER" to get Kudos for FREE and double your rewards ▸ joinkudos.com/spencer 🚨 To see me break down whether the Amex Gold lives up to the hype or is a big waste of money, watch this video next: th-cam.com/video/dK8gl4T90Fc/w-d-xo.html 🎥 If you had to build your dream setup, what 5 card setup would you build? 👇🏼
Great stuff Spencer! The Sapphire Reserve was one that I was considering including in my video as well. Great points about the hotel and airline cards you talked about here! Appreciate the response to my video!
I appreciate you offering up the challenge! This was one of the more fun videos I’ve made recently for sure. I really could have gone so many ways with this one, but I feel like this setup really fits my strategies the best rn. Chase always has more for me to like it seems!
The CSR now offers hotel status with Marriot, Ennismore hotels, and of course the luxury hotel collection. Also the CSR offers car rental status with Avis, Audi on demand, and National car too. I just product change my CSP to the CSR and can really see that Chase’s program is steadily improving.
Oh wow that's news to me! It seems like it's really not that hard to extend that trial status until 2025 which is pretty awesome. The CSR is definitely a solid choice in my opinion!
The CSR is honestly looking better and better with all the changes lately to the other cards. Considering how much I value Chase points, I see this card getting added to my wallet at some point down the line for sure. Thanks for watching Eric!
Thank you so much man! I definitely want to implement more of Chase’s PYB system at some point… most likely on the business side if I can use my points for internet/phone bills.
Great setup Spencer! It was really fun to watch you build it out, and then go into the reason why you wanted each card, and how they worked together to form your overall setup. I'm happy that I was able to convince you that there's definitely value to Marriott properties, despite their rewards system not being as good as Hilton or Hyatt. Like you said in the video, the Boundless is where to start, and if you get an awesome SUB, this card can still generate 35k FNAs year over year, and you can PC to the Ritz Carlton card for those luxury stays whenever you feel ready!
Thank you so much Stan! You were a big help in convincing me of the Marriott card strategy. The beautiful thing about it is what you mentioned at the end… if you start with the Boundless and realize you actually don’t wanna go the full luxury route, you don’t have the PC to the Ritz but can still benefit from one FNC a year. I’m excited to get this strategy started though! You’re the man Stan!
Sooo close to 10k! That's a great setup Spencer! Great comparison about the Amex Plat vs CSR too. I think there's definitely two different crowds that will value those cards differently, so it's interesting to see how people would use each card! Really gotta jump on the Marriott train if the perks all stay the same and I can match that to upcoming trips in the future.
We're getting there man!! I'm hoping by the end of the weekend we'll finally hit it. And I'm glad you like the setup too! I definitely tried to make it as clear as possible that the cards I'm getting may not be the best for everyone, but they work really well for me, and that's all that matters. As for the Marriott cards, that new Boundless bonus may have just expedited my journey with them... we'll see 👀 Thanks for watching man!
@@SpencerJohnsonOfficial Yeah that offer is reallly enticing! I think those certificates only last 1 year right? So definitely should have some trip lined up during that time
I got a targeted upgrade offer for my Amex green card to upgrade it to the platinum. Now that I’m not only in a better financial position. I also will be finally traveling next year so I took up that offer and it completes my core credit card set up.
The Hyatt and Ritz are also on my dream list! Once I’m under 5/24, I’m literally getting all of the Chase cards that I would want, regardless of sign up bonuses, and I start the 24/48 month clocks! CSP (or CSR), CIC, CFF, Hyatt, and Ritz! MAYBEEEEE a united card and we’re good! As always, keep it coming bro! Awesome video. Love your content. - Ivan.
It seems like we have a very similar approach right now! Gotta get those Chase cards ASAP so I can confidently move to other lenders for a while. Thank you so much for your constant support Ivan!!
Fun exercise. I can definitely appreciate your recommendation of the Sapphire Reserve or USB Altitude Reserve for economy domestic travel. Personally my regular travel is between two airports that each only have one lounge which both happen to be a delta skyclub. So for me a priority pass wouldn’t do me much good. So I got the AMEX Platinum and do about 3 to 4 visits to skyclubs a month. Like you say what’s best for one person isn’t going to best for someone else. If my main airport had a priority pass restaurant then the CSR or Ritz would suddenly be way more valuable to me.
I can totally relate. I just renewed my Platinum because there are no priority pass lounge or restaurants available to me currently in my home airport. However, Chase is rolling out soon with a Saphire lounge here in Phoenix and that might really change things by next year when its time for me to consider renewal.
Thanks for sharing your thoughts man! It sounds like you definitely made the right choice for you and that's all that matters. The CSR is definitely solid for me not only for the PP lounges, but because of the Sapphire Terrace in ATX as well.
I totally agree on the value that the CSR provides. For the way I travel the primary CDW combined with increased status at National really adds a lot of value. That plus the peace of mind that comes with all the travel protections (I had a SW flight get cancelled while away in Georgia and was able to use the trip delay insurance to recoup over $400). Also, for us Austin area types, now we can get access to the Sapphire Terrace at ABIA which I for sure will be checking out next time I fly!
Thank you for sharing that experience! I definitely think the card could be well worth it for me, especially being in Austin where I can use the Sapphire Terrace. That's great to hear that you got to recoup that money too with the travel insurances. Congrats on that!
I’ve kept the southwest card for the credits, but it has also sent me several great offers lately, including 5x the points on gas and 10x the points on southwest purchases. Definitely a keeper card.
I have PP lounge access with the VX (and I use all 4 AUs) and the motivator with me for Chase is the transfer partners which I get with the CSP. I like the CSR a lot but it would probably take either a refresh on the CSR (which is needed) or some additional “nerfing” on the VX for me to pivot at this point. Mileage may vary as they say, great content!! I also just got the WOH card and booked a Hyatt stay in 4/24 at around ~4.2cpp, which was my third redemption, learning as I go, thanks for all of the advice!!
I'm working on getting the Ritz Carlton card and got the the Marriott Boundless with the 5 night free certificate (it was running back in May). Now I'm gonna be redeeming those free nights for a five night stay at JW Marriott in Cusco. I'm excited to next year ask for that product change since the flight credit is so flexible compared to the Platinum.
Awesome video Spencer. You make a lot of great arguments for why this set up is one you are looking at obtaining down the road and most importantly, why it will work for you and your personal use case. I like the fact that more recently, you mention why or why not a certain card works for you and that what works for you may not work for someone else and vice versa. Keep up the awesome content brother!!
Thanks so much Jon!! I really tried to emphasize why this setup is good for ME but doesn't have to be good for anyone else. That's the fun part of the credit card game at the end of the day. I definitely want to keep emphasizing that as time goes on too. I really dislike the thought of someone recommending a card that's perfect for everyone, because in reality, that's never true. Thank you so much for the support as always man!!
I do enjoy the Hyatt Card. In the first 6 months, I got 3 free night certificates for 5 brands, over 30 nights, and $15k spend, plus the $15k spend was at 2x from the intro bonus. The 30 nights were all point nights at 2,500k a night off peak in a mattress run for Globalist until Fed 2025 through Bilt rewards. Travel hacking is credit card hacking.
Hi to you Spencer and Oden. I completely agree about the value of adding the Ritz Credit Card and pretty much everything else mentioned. I'm surprised you didn't bring up the rare, supersized bonus that is available right now on the Marriott Boundless. After a year, then it could be product changed to the Ritz. Great job and keep up the good work.
Hey there! At the time of me uploading this, that new bonus wasn't out, but it is now!! That'll be taken into consideration in my next video so keep an eye out 👀 Thank you for the support!
Thanks JP! Hopefully our setups weren't TOO similar haha. But I'm in the same boat as you. I just can't help but always wanting more Chase points since their partners fit my travel habits so well.
Crazy that every card in the DREAM Card Setup you don't have yet is w/ Chase! The Ink Unlimited will likely be the next Card I get at the end of the Year when I go out of 5/24. The Sapphire Reserve definitely can see a lot of appeal with that domestic economy traveller, so it makes sense if you are traveling that way the most right now, why you'd love to add that Card to your setup. Just like you, I've really been opening my eyes to the power of having a ton of different Hotel Cards in my setup as well. The WoH is super powerful. Great video as always Spencer!
Hahah yessir! I kinda surprised myself with that tbh. When building out a setup for this video, I realized how many Chase cards were still out there that I wanted, so here we are! I'm definitely looking forward to getting the CSR. I could easily get positive value from it, especially when I move back to town and can use more of those partner benefits. Thanks for watching as always man!!
Fun fact that you didn’t ask for: I started writing this comment last night but fell asleep 😂😂. You’re welcome! On to the real comment. I understand the move for the CSR, and I actually rank it higher than the Amex Platinum for the average travel credit card user. I was surprised with the Ritz Carlton Card. That annual fee is still too much for me haha. The next hotel card is on my list too, I just want a better welcome offer. Let’s see if that’ll change anytime soon since I’m well below 5/24 at this time 😃. Airline credit card? I’ll pass unless I’m desperate for extra miles 😂🤣. I hope that Odin had a great swim! Great video Spencer!!
Hahah I love the commitment 👊🏼 I appreciate you sharing your thoughts on each of the cards! As you could probably tell, I was really trying to make it clear in this one that while these cards are a great fit for me, they may be worthless to others, and that's completely fine! It's cool to see what cards we line up on though and I'm excited to see you get these added to your setup. And don't worry, Odin always has a good time swimming 😆 Thanks for watching as always man!
After Getting The Delta gold and Amex gold This year I'm at 4/24 and looking to Get a new one end of this year or I can wait until one wears off in February and the other in May. Cards I am looking into Capital venture, Hilton Amex, Chase sapphire preserve, southwest, and united along with Citi Premier. More likely to get capital one and united
So much chase, it works though, all the choices work for you. Let your lifestyle choose the card, not the other way around. That Ritz Carlton is looking more and more valid even though I'm more hyatt/hilton loyalist. We have a Westin and w3 in atlanta and that free night would be great for a kids free date night weekend. Room service and chill. Yes I know I'm boring but you have to enjoy the little things.
I’m all in with Chase haha. I really can’t get enough of their cards and points with my travel habits. Their partners are really built for me it feels like lol. Granted, someone may have the complete opposite experience which is fine too! And I like the way you think. A free night in town is not a bad thing at all and if it helps you make memories with your spouse/family, that’s all that matters. I’m all for it!
I have has my Marriott Bonvoy Bold for over a year and i called to upgrade, they only give e the choice of upgrading to Marriott Bonvoy Bountiful, the 250 annual card that is aweful, didnt give me a choice to Boundless or Ritz card!!! just tried as of Dec 31 and even today Jan 7th. Any pointer on how to ge that fixed or and i just stuck?
I mainly use my Sapphire Reserve for flights instead of my Southwest Priority, The travel protections are WAY better. This is an interesting set-up, good video Spencer!
Fair point! I'd really only be getting it for the companion pass and then for inflight purchases or something like that. Other than the credits and SUB, I wouldn't use the card a ton, but it's still justifiable with those credits technically.
Spencer again - always giving usable content to real world scenario!! Q - other than companion pass-isn’t better to just have CSP cause u can have flex on rewards pts as well for SW transfer pts(basically double dip on flt purchase) right?
Thanks so much for the kind words! And while you can use Chase points with SW, the companion pass basically gives you a buy one get one free pass for up to 2 years. With a SW card you'll be earning SW miles for the one ticket you purchase which gives you points at the same time. If you didn't wanna go the companion pass route, you could use the CSP to get 2x back on your SW purchases which is what I would most likely do rather than getting a SW card. But if you're going for the companion pass, you might as well use your SW cards for those purchases. I'm not sure I fully understand the question, but hopefully that clears things up a little bit!
My bad - figured use CSP for SW travel purchase; that travel would earn SW pts and using CSP would earn additional reward pts to transfer to (if I wanted too - optional) as a travel partner SW (so sort of double dipping)…does that makes sense? Or am I thinking wrong? Thx for the time - ur in Austin, I’m in SA another hot day 100 ☀️🔥🤣
Overall it’s a nice hypothetical setup! I agree the Hyatt card may not be good for everyone. For me, I enjoy aspirational travel, but I still have no problem staying at the more budget properties for other travel.
Thank you Josh! I’m glad we’re on the same page with the Hyatt card for sure. I feel like it’s easy value for me too, so that’s why I’ll be adding it at some point down the line.
Yo Spencer. Just got capped out on the 5/24 with with Chase😢 . But contrary to a lot of information out there, I spoke with an underwriter from Chase bank and they said that the 524 rule does not affect business cards. As long as you have a prior business relationship either through credit cards or checking, you’re all good it’s only the 30 day rule with business cards.🎉🎉🎉
That's a very interesting DP! I imagine that information changes depending on the customer service representative... Maybe they misunderstood how it impacted business cards since business cards won't add to your 5/24 count, but from a lot of folks experiences, getting denied for a business card because you're over 5/24 is very common. Maybe they changed things though so we'll have to keep an eye out for more DPs! Thank you so much for sharing!
@@SpencerJohnsonOfficial I asked them the question because the week before I received approval on the Chase Inc. Preferred. They should have rejected me on that card based on 524. I didn’t take capital ones ecosystem into account. I have a capital one Spark 2X that I had got a couple months before I didn’t realize it hit my personal credit. capital one is special😐 meaning their business cards hit your personal credit report which is the only lender that I know that does that.
The CSR definitely needs updates, which is why its better to churn the CSP first and then after the 4 to 5 years, which is hopefully when the damn card will be updated, grab it for another sign up bonus. Easy.
Chase and Citi are both powerhouse lenders with the flexibility their points offer! Getting the Citi Premier will be a challenge for me now since I put it off up until this point but I’ll go for it eventually!
That’s an awesome setup! Very similar to what I plan on building out. It sounds like we’ll both be getting the Ritz at the same time next year assuming I start that journey in September too!
10k subs let's go!!! Congrats. CSR is underappreciated compared to the CSP. I really wish they would rework it a bit to be more competitive but it doesn't seem like that will be the case. I just cannot get behind that the WoH card is worth the slot for the FNA 1-4. If you are in the UR world I still hold a FNA cat 1-4 (3.5k - 18k UR) is not alot. WoH biz offers more for less spend per point IMHO compared to the personal card. Thanks for the video!
I would love the Hyatt card, but they haven't offered anything special on that card lately. It covers the fee with the free night, but the multipliers aren't very good. Chase needs to offer more.
You mentioned that you planned to get in a future the Amex Platinum ( regular) and the Schawb Version. Amex now includes all 3 versions ( regular, MS and Shawb) as one Family. You can get the bonus just in one card. A Big Bummer ,
Yeah that's a big negative and something I was alluding to when talking about those cards. At the end of the day, it only ever makes sense to get the elevated bonus on the Vanilla version now, but I'd still cancel that one at some point and open the CS Plat with no bonus if I had to. I'd still have to apply for both though to get the most value from the SUB. Definitely a bummer!
I upgraded to the CSR from the CSP about 10-15 days ago and I'm alrrady loving it! I've already gotten the $300 travel credit (it posts sooo fast and $2 was for metered parking so that shows the range of "travel") And Im looking forward to the 3x on travel since Sept and Oct is loaded for me. (Lots of PP Westward Whiskey at PDX for me!) Ritz Carlton card is definitely in my future too! Luke has talked me out of the WOH for now... lmao
That's awesome man! I can definitely see myself doing the same soon enough with my CSP. I could definitely get positive value from the CSR, so eventually it just becomes a matter of time. Luke has definitely tried to talk me out of the WOH card, and while I still think it's worth it for me, I'll be going for the Marriott cards first. The WOH isn't a necessity card unless you're trying to get status or something, but again, a free night is a free night so I'll be adding it at some point 🤷🏼♂️
@SpencerJohnsonOfficial agreed! I am definitely going to add it at some point...and I was considering doing it this month (as I have 5 paid stays in properties where I'd get less than 1.7cpp redemptions) but woth only 4x with the card and 3x with my CSR it's not a big difference... and that Bonvoy Boundless 5 50k certs with 5k spend is just way more enticing right now...
I am very surprised that you pick csr given you also picked ritz: given the essentially priority pass membership from the ritz card, that’s you are valuing the elevated multipliers at $250/year, you must be a big spender 😂
Awesome video as usual Spencer! A question regarding Chase. If I opened a CSP last year, can I product change to the CSR (now) and still be eligible for a sapphire bonus 48 months from the original date I opened the CSP, or will the clock reset if and when I product change from CSP to CSR?
Thanks so much! To my knowledge, your clock would have started after you get the bonus on the CSP. Therefore, even if you PC it or cancel it before the 4 years is up, your clock is still gonna run.
Based on the 5/24 rule, I would say no. With that being said, I personally saw others get approved for Amazon Visa with 5/24. Maybe they're lenient with co- branded cards.
Hello, Mr. Spencer!!! I really enjoyed the video of you exploring all of the features of your dream card setup. However, in my case, just about all of these credit cards are off-limits to me since my credit score is 532 and tanking from there. It's only a matter of time before I'm in the 400 club. 😢
Hi there professor! I really appreciate your support! I'm sorry to hear you're struggling to bring that score up. I've made some more in depth videos about how you can raise it, but in reality, the simplest things you can do to start that process is to make sure you're paying off all of your card statement balances on time and in full every single month and if you can keep a lower utilization on your cards that really helps too! Hopefully my other videos help you out as well though!
Hey Spence, I have a big purchase coming up (~3-4k) and I’m looking to apply for a new card to take advantage of a sign up bonus. I’m over 5/24 so Chase isn’t an option, can you help recommend a business/personal card to put it on. (FYI I only have Chase atm)
Hey Robby! The immediate cards that come to mind are Chase cards right now, particularly their Ink cards or the Marriott Boundless (for its new bonus), but since you're locked out of Chase for the time being, I guess your next option would have to be with another lender. I'm not sure what lenders you prefer or what kinda ecosystem would fit you best, but I'd be looking for the highest bonus you can find with a lender you'd get value from. Assuming you want to get back under 5/24 soon, a business card would be your best bet, and the first lender I'd look at is Amex. If you aren't stuck in pop-up jail, you could grab one of their business cards, or maybe even a cobranded business card like the Hilton Business. That would probably be what I went with in your situation, but idk how you like Hilton or if you're in pop-up jail or anything, so it's a bit hard for me to nail it down to one card. Thank you again for becoming a member btw! It means a lot!!
@@SpencerJohnsonOfficial yeah reading back on the original question, I definitely should’ve added more details haha! But I definitely agree with your take on AMEX. I’ve been looking at the Marriott business card mainly because I think the Business gold cards $10,000 threshold is a bit of a stretch for me to reach. And thanks Spencer, I appreciate the well thought out response. Keep up the great work!
No worries man! The Marriott Biz card could definitely be a good move too. It'll just lock you out of any bonuses on the Chase Marriott cards for 2 years, but if you don't care about that then you could definitely go that route! @@RobertTorres_
That's true, airline credit cards are almost not worth it unless you're in a hub. Especially AA's Miami super hub, then an AA card can be really worth it
That Southwest Priority card is underrated I feel. I have it and love the perks that come with it, especially since Southwest is my airline of choice! Didn’t have you with the CSR, voted wrong on the poll it seems 😅😂
Yeah I think the SW Priority is a great card!! I'm excited to get my hands on it one day. And yeah the poll was tough this week so don't beat yourself up 😆
Exactly right! That's one of the changes I was alluding to when talking about Amex. I'd still get the Vanilla Plat first for the bonus, then get a retention offer and eventually cancel it and open the CS version without the bonus. I wish they'd let us get both bonuses still and maybe they'll change that again in the future, but that change made me want the Platinum card a lot less.
Anyone switching to Team Cash Back with the coming lockdowns/mask requirements, etc.? No point in Travel cards if you can't travel or they make it so you don't want to travel.
I beat CJ the main reason for my constant refreshes lol! Happy to be here your videos are great, cant wait to see you break 10k subs!@@SpencerJohnsonOfficial
🚨 Use code "SPENCER" to get Kudos for FREE and double your rewards ▸ joinkudos.com/spencer 🚨
To see me break down whether the Amex Gold lives up to the hype or is a big waste of money, watch this video next: th-cam.com/video/dK8gl4T90Fc/w-d-xo.html 🎥
If you had to build your dream setup, what 5 card setup would you build? 👇🏼
Great stuff Spencer! The Sapphire Reserve was one that I was considering including in my video as well. Great points about the hotel and airline cards you talked about here! Appreciate the response to my video!
I appreciate you offering up the challenge! This was one of the more fun videos I’ve made recently for sure. I really could have gone so many ways with this one, but I feel like this setup really fits my strategies the best rn. Chase always has more for me to like it seems!
The CSR now offers hotel status with Marriot, Ennismore hotels, and of course the luxury hotel collection. Also the CSR offers car rental status with Avis, Audi on demand, and National car too. I just product change my CSP to the CSR and can really see that Chase’s program is steadily improving.
Oh wow that's news to me! It seems like it's really not that hard to extend that trial status until 2025 which is pretty awesome. The CSR is definitely a solid choice in my opinion!
Surprised by the CSR! But after all the Amex changes, the CSR is looking more enticing! Great video Spencer!
The CSR is honestly looking better and better with all the changes lately to the other cards. Considering how much I value Chase points, I see this card getting added to my wallet at some point down the line for sure. Thanks for watching Eric!
You're killing it with your videos! Pay Yourself Back puts Chase in its own league for sure.
Thank you so much man! I definitely want to implement more of Chase’s PYB system at some point… most likely on the business side if I can use my points for internet/phone bills.
Great setup Spencer! It was really fun to watch you build it out, and then go into the reason why you wanted each card, and how they worked together to form your overall setup. I'm happy that I was able to convince you that there's definitely value to Marriott properties, despite their rewards system not being as good as Hilton or Hyatt. Like you said in the video, the Boundless is where to start, and if you get an awesome SUB, this card can still generate 35k FNAs year over year, and you can PC to the Ritz Carlton card for those luxury stays whenever you feel ready!
Thank you so much Stan! You were a big help in convincing me of the Marriott card strategy. The beautiful thing about it is what you mentioned at the end… if you start with the Boundless and realize you actually don’t wanna go the full luxury route, you don’t have the PC to the Ritz but can still benefit from one FNC a year. I’m excited to get this strategy started though! You’re the man Stan!
Sooo close to 10k! That's a great setup Spencer! Great comparison about the Amex Plat vs CSR too. I think there's definitely two different crowds that will value those cards differently, so it's interesting to see how people would use each card! Really gotta jump on the Marriott train if the perks all stay the same and I can match that to upcoming trips in the future.
We're getting there man!! I'm hoping by the end of the weekend we'll finally hit it. And I'm glad you like the setup too! I definitely tried to make it as clear as possible that the cards I'm getting may not be the best for everyone, but they work really well for me, and that's all that matters. As for the Marriott cards, that new Boundless bonus may have just expedited my journey with them... we'll see 👀 Thanks for watching man!
@@SpencerJohnsonOfficial Yeah that offer is reallly enticing! I think those certificates only last 1 year right? So definitely should have some trip lined up during that time
@KevinYang Yeah you definitely wanna plan ahead a bit for sure. But it’ll definitely help me plan a good trip next year so I’m excited for it.
Love your set-up, Spence! Keep crushing it; next up, 50K SUBS!! 🚀🥳
I got a targeted upgrade offer for my Amex green card to upgrade it to the platinum. Now that I’m not only in a better financial position. I also will be finally traveling next year so I took up that offer and it completes my core credit card set up.
The Hyatt and Ritz are also on my dream list!
Once I’m under 5/24, I’m literally getting all of the Chase cards that I would want, regardless of sign up bonuses, and I start the 24/48 month clocks!
CSP (or CSR), CIC, CFF, Hyatt, and Ritz!
MAYBEEEEE a united card and we’re good!
As always, keep it coming bro! Awesome video.
Love your content.
- Ivan.
It seems like we have a very similar approach right now! Gotta get those Chase cards ASAP so I can confidently move to other lenders for a while. Thank you so much for your constant support Ivan!!
Fun exercise. I can definitely appreciate your recommendation of the Sapphire Reserve or USB Altitude Reserve for economy domestic travel. Personally my regular travel is between two airports that each only have one lounge which both happen to be a delta skyclub. So for me a priority pass wouldn’t do me much good. So I got the AMEX Platinum and do about 3 to 4 visits to skyclubs a month. Like you say what’s best for one person isn’t going to best for someone else. If my main airport had a priority pass restaurant then the CSR or Ritz would suddenly be way more valuable to me.
I can totally relate. I just renewed my Platinum because there are no priority pass lounge or restaurants available to me currently in my home airport. However, Chase is rolling out soon with a Saphire lounge here in Phoenix and that might really change things by next year when its time for me to consider renewal.
Thanks for sharing your thoughts man! It sounds like you definitely made the right choice for you and that's all that matters. The CSR is definitely solid for me not only for the PP lounges, but because of the Sapphire Terrace in ATX as well.
just noticed how close you are to 10k subscribers! Congrats!!
Thank you so much!!
@@SpencerJohnsonOfficial BOOM!! 10k!! You've put in the work and have great content. Congrats on the big milestone!!
@@412foto You're awesome! Thank you so much for the support!!
I totally agree on the value that the CSR provides. For the way I travel the primary CDW combined with increased status at National really adds a lot of value. That plus the peace of mind that comes with all the travel protections (I had a SW flight get cancelled while away in Georgia and was able to use the trip delay insurance to recoup over $400). Also, for us Austin area types, now we can get access to the Sapphire Terrace at ABIA which I for sure will be checking out next time I fly!
Thank you for sharing that experience! I definitely think the card could be well worth it for me, especially being in Austin where I can use the Sapphire Terrace. That's great to hear that you got to recoup that money too with the travel insurances. Congrats on that!
Nice set up! I'd switch out the Southwest CC for Aeroplan but roll with the rest of your line up. Thanks for the info + video!
Thank you Jimmy! I respect that decision for sure! You gotta do what's best for you.
Just used my Hyatt FNC at the Hyatt regency Toronto it was great!
Great video, Spencer! The only thing that seems like may be missing from this is a workhorse card. Something that earns for your top spend category.
I’ve kept the southwest card for the credits, but it has also sent me several great offers lately, including 5x the points on gas and 10x the points on southwest purchases. Definitely a keeper card.
I've seen those offers pop up and they're definitely solid! Thank you for sharing your experience!
I have PP lounge access with the VX (and I use all 4 AUs) and the motivator with me for Chase is the transfer partners which I get with the CSP. I like the CSR a lot but it would probably take either a refresh on the CSR (which is needed) or some additional “nerfing” on the VX for me to pivot at this point. Mileage may vary as they say, great content!! I also just got the WOH card and booked a Hyatt stay in 4/24 at around ~4.2cpp, which was my third redemption, learning as I go, thanks for all of the advice!!
Thanks for sharing your thoughts man! And congrats on the great redemption!! That's what the credit card game is all about!
I'm working on getting the Ritz Carlton card and got the the Marriott Boundless with the 5 night free certificate (it was running back in May). Now I'm gonna be redeeming those free nights for a five night stay at JW Marriott in Cusco. I'm excited to next year ask for that product change since the flight credit is so flexible compared to the Platinum.
Awesome video Spencer. You make a lot of great arguments for why this set up is one you are looking at obtaining down the road and most importantly, why it will work for you and your personal use case. I like the fact that more recently, you mention why or why not a certain card works for you and that what works for you may not work for someone else and vice versa. Keep up the awesome content brother!!
Thanks so much Jon!! I really tried to emphasize why this setup is good for ME but doesn't have to be good for anyone else. That's the fun part of the credit card game at the end of the day. I definitely want to keep emphasizing that as time goes on too. I really dislike the thought of someone recommending a card that's perfect for everyone, because in reality, that's never true. Thank you so much for the support as always man!!
My honor man. Thank you for being real and not a credit card game robot :)
Great video Spencer!
Thanks so much!
Congrats on 10k subs !
Thank you so much!
Terrific list spencer!and very detailed!
Thank you Tito!
Why get the Reserve and Ritz card. You are paying two annual fees for like the same thing. Better off getting the sapphire preferred and ritz.
I do enjoy the Hyatt Card. In the first 6 months, I got 3 free night certificates for 5 brands, over 30 nights, and $15k spend, plus the $15k spend was at 2x from the intro bonus. The 30 nights were all point nights at 2,500k a night off peak in a mattress run for Globalist until Fed 2025 through Bilt rewards. Travel hacking is credit card hacking.
Hi to you Spencer and Oden. I completely agree about the value of adding the Ritz Credit Card and pretty much everything else mentioned. I'm surprised you didn't bring up the rare, supersized bonus that is available right now on the Marriott Boundless. After a year, then it could be product changed to the Ritz. Great job and keep up the good work.
Hey there! At the time of me uploading this, that new bonus wasn't out, but it is now!! That'll be taken into consideration in my next video so keep an eye out 👀 Thank you for the support!
This was a really cool video that I’m not sure how I missed👍🏽👍🏽
Love it. I have been leaning towards Chase more recently. Perks and multipliers look great.
Thanks JP! Hopefully our setups weren't TOO similar haha. But I'm in the same boat as you. I just can't help but always wanting more Chase points since their partners fit my travel habits so well.
@@SpencerJohnsonOfficial Yeah, only two cards crossing over, so we are good haha.
Crazy that every card in the DREAM Card Setup you don't have yet is w/ Chase! The Ink Unlimited will likely be the next Card I get at the end of the Year when I go out of 5/24. The Sapphire Reserve definitely can see a lot of appeal with that domestic economy traveller, so it makes sense if you are traveling that way the most right now, why you'd love to add that Card to your setup. Just like you, I've really been opening my eyes to the power of having a ton of different Hotel Cards in my setup as well. The WoH is super powerful. Great video as always Spencer!
Hahah yessir! I kinda surprised myself with that tbh. When building out a setup for this video, I realized how many Chase cards were still out there that I wanted, so here we are! I'm definitely looking forward to getting the CSR. I could easily get positive value from it, especially when I move back to town and can use more of those partner benefits. Thanks for watching as always man!!
Great picks! Was curious though - why the Ink Unlimited over the Freedom Unlimited?
Thank you Trevor! I already have the Freedom Unlimited and the Ink Unlimited also offers way higher bonuses so there's that too.
Fun fact that you didn’t ask for: I started writing this comment last night but fell asleep 😂😂. You’re welcome!
On to the real comment. I understand the move for the CSR, and I actually rank it higher than the Amex Platinum for the average travel credit card user.
I was surprised with the Ritz Carlton Card. That annual fee is still too much for me haha.
The next hotel card is on my list too, I just want a better welcome offer. Let’s see if that’ll change anytime soon since I’m well below 5/24 at this time 😃.
Airline credit card? I’ll pass unless I’m desperate for extra miles 😂🤣.
I hope that Odin had a great swim!
Great video Spencer!!
Hahah I love the commitment 👊🏼 I appreciate you sharing your thoughts on each of the cards! As you could probably tell, I was really trying to make it clear in this one that while these cards are a great fit for me, they may be worthless to others, and that's completely fine! It's cool to see what cards we line up on though and I'm excited to see you get these added to your setup.
And don't worry, Odin always has a good time swimming 😆 Thanks for watching as always man!
After Getting The Delta gold and Amex gold This year I'm at 4/24 and looking to Get a new one end of this year or I can wait until one wears off in February and the other in May. Cards I am looking into Capital venture, Hilton Amex, Chase sapphire preserve, southwest, and united along with Citi Premier. More likely to get capital one and united
Thanks for sharing your thoughts!! It sounds like you're building a great setup that works for you which is all that matters!
Question for Anyone to get into United lounge which card is needed from chase freedom or cap ??or should it be an Airline co brand card
So much chase, it works though, all the choices work for you. Let your lifestyle choose the card, not the other way around. That Ritz Carlton is looking more and more valid even though I'm more hyatt/hilton loyalist. We have a Westin and w3 in atlanta and that free night would be great for a kids free date night weekend. Room service and chill. Yes I know I'm boring but you have to enjoy the little things.
I’m all in with Chase haha. I really can’t get enough of their cards and points with my travel habits. Their partners are really built for me it feels like lol. Granted, someone may have the complete opposite experience which is fine too! And I like the way you think. A free night in town is not a bad thing at all and if it helps you make memories with your spouse/family, that’s all that matters. I’m all for it!
I have has my Marriott Bonvoy Bold for over a year and i called to upgrade, they only give e the choice of upgrading to Marriott Bonvoy Bountiful, the 250 annual card that is aweful, didnt give me a choice to Boundless or Ritz card!!! just tried as of Dec 31 and even today Jan 7th. Any pointer on how to ge that fixed or and i just stuck?
Hyatt cat 3-4 are generally good properties..they're not going to be St Regis level, but Hyatt Regencies etc are definitely better than 'budget' stay!
Csr is the goat honestly
It can be super powerful for the right person!
I mainly use my Sapphire Reserve for flights instead of my Southwest Priority, The travel protections are WAY better. This is an interesting set-up, good video Spencer!
Fair point! I'd really only be getting it for the companion pass and then for inflight purchases or something like that. Other than the credits and SUB, I wouldn't use the card a ton, but it's still justifiable with those credits technically.
@@SpencerJohnsonOfficial now the companion pass is clutch!!! I had it for a year and a half and got thousands of dollars worth of value from
That's great to hear man!! I look forward to doing the same one day. @@narayanhill9832
@@SpencerJohnsonOfficial u headed to the content creator meet-up this week?
Spencer again - always giving usable content to real world scenario!! Q - other than companion pass-isn’t better to just have CSP cause u can have flex on rewards pts as well for SW transfer pts(basically double dip on flt purchase) right?
Thanks so much for the kind words! And while you can use Chase points with SW, the companion pass basically gives you a buy one get one free pass for up to 2 years. With a SW card you'll be earning SW miles for the one ticket you purchase which gives you points at the same time. If you didn't wanna go the companion pass route, you could use the CSP to get 2x back on your SW purchases which is what I would most likely do rather than getting a SW card. But if you're going for the companion pass, you might as well use your SW cards for those purchases. I'm not sure I fully understand the question, but hopefully that clears things up a little bit!
My bad - figured use CSP for SW travel purchase; that travel would earn SW pts and using CSP would earn additional reward pts to transfer to (if I wanted too - optional) as a travel partner SW (so sort of double dipping)…does that makes sense? Or am I thinking wrong? Thx for the time - ur in Austin, I’m in SA another hot day 100 ☀️🔥🤣
Overall it’s a nice hypothetical setup! I agree the Hyatt card may not be good for everyone. For me, I enjoy aspirational travel, but I still have no problem staying at the more budget properties for other travel.
Thank you Josh! I’m glad we’re on the same page with the Hyatt card for sure. I feel like it’s easy value for me too, so that’s why I’ll be adding it at some point down the line.
I agree. Lots of the airline cards are trash. However, I just got the Air France card. I'm going to plan a trip to Bora Bora.
That's awesome to hear!! Enjoy that trip man!
Yo Spencer. Just got capped out on the 5/24 with with Chase😢 . But contrary to a lot of information out there, I spoke with an underwriter from Chase bank and they said that the 524 rule does not affect business cards. As long as you have a prior business relationship either through credit cards or checking, you’re all good it’s only the 30 day rule with business cards.🎉🎉🎉
That's a very interesting DP! I imagine that information changes depending on the customer service representative... Maybe they misunderstood how it impacted business cards since business cards won't add to your 5/24 count, but from a lot of folks experiences, getting denied for a business card because you're over 5/24 is very common. Maybe they changed things though so we'll have to keep an eye out for more DPs! Thank you so much for sharing!
@@SpencerJohnsonOfficial I asked them the question because the week before I received approval on the Chase Inc. Preferred. They should have rejected me on that card based on 524. I didn’t take capital ones ecosystem into account. I have a capital one Spark 2X that I had got a couple months before I didn’t realize it hit my personal credit. capital one is special😐 meaning their business cards hit your personal credit report which is the only lender that I know that does that.
The CSR definitely needs updates, which is why its better to churn the CSP first and then after the 4 to 5 years, which is hopefully when the damn card will be updated, grab it for another sign up bonus. Easy.
My dream card set up would be 3 Hilton Aspires and 1 Ritz Carlton cc / 1 marriot bonvoy brilliant so each year i get to try both high end hotels FNC
That's a nice setup, If I could I would start my setup over again starting with chase and Citi.
Chase and Citi are both powerhouse lenders with the flexibility their points offer! Getting the Citi Premier will be a challenge for me now since I put it off up until this point but I’ll go for it eventually!
@@SpencerJohnsonOfficialNice, i'm addicted to my CSP haha
My dream set up is the VX, Savor One, and Hilton. I have the Hilton and Savor one. Got the savor one student. Will get the VX is 1-2 yrs.
That's a solid trio for sure!!
We're travelling to Italy in a few months. Already got 2 rooms through WoH card points. That's at least 500 Euros saved.
Congrats on that! That's awesome!
I have the CSR,the Chase World of Hyatt,the AMEX PLT,and the BILT card.I plan to pursue the Ritz Carlton card in September when I drop below 5/24.
That’s an awesome setup! Very similar to what I plan on building out. It sounds like we’ll both be getting the Ritz at the same time next year assuming I start that journey in September too!
@@SpencerJohnsonOfficial glad Im in good company lol....
Thanks for all of the information you provide.
That Ritz Carlson is 💪 As always great video and information Spencer! ✌️
Yessir!! It’s definitely not for everyone, but I could personally get a lot of value from it. Thanks for watching as always my man!
10k subs let's go!!! Congrats.
CSR is underappreciated compared to the CSP. I really wish they would rework it a bit to be more competitive but it doesn't seem like that will be the case.
I just cannot get behind that the WoH card is worth the slot for the FNA 1-4.
If you are in the UR world I still hold a FNA cat 1-4 (3.5k - 18k UR) is not alot. WoH biz offers more for less spend per point IMHO compared to the personal card.
Thanks for the video!
Thank you so much Bob!! I love the new profile pic and everything btw. Thanks for sharing your thoughts too man!
I would love the Hyatt card, but they haven't offered anything special on that card lately. It covers the fee with the free night, but the multipliers aren't very good. Chase needs to offer more.
That’s fair! It’s not a card I’m gunning for very quickly, but I’ll be adding it one day.
You mentioned that you planned to get in a future the Amex Platinum ( regular) and the Schawb Version. Amex now includes all 3 versions ( regular, MS and Shawb) as one Family. You can get the bonus just in one card. A Big Bummer ,
Yeah that's a big negative and something I was alluding to when talking about those cards. At the end of the day, it only ever makes sense to get the elevated bonus on the Vanilla version now, but I'd still cancel that one at some point and open the CS Plat with no bonus if I had to. I'd still have to apply for both though to get the most value from the SUB. Definitely a bummer!
I enjoy watching you on TH-cam ❤
Thank you so much!
The World of Hyatt card is definitely one to keep on eyes on.
If you are going to get the Ritz card it makes absolutely no sense to get the Sapphire Reserve. Why? Because they both have the same Priority Pass
I upgraded to the CSR from the CSP about 10-15 days ago and I'm alrrady loving it! I've already gotten the $300 travel credit (it posts sooo fast and $2 was for metered parking so that shows the range of "travel") And Im looking forward to the 3x on travel since Sept and Oct is loaded for me. (Lots of PP Westward Whiskey at PDX for me!) Ritz Carlton card is definitely in my future too! Luke has talked me out of the WOH for now... lmao
That's awesome man! I can definitely see myself doing the same soon enough with my CSP. I could definitely get positive value from the CSR, so eventually it just becomes a matter of time. Luke has definitely tried to talk me out of the WOH card, and while I still think it's worth it for me, I'll be going for the Marriott cards first. The WOH isn't a necessity card unless you're trying to get status or something, but again, a free night is a free night so I'll be adding it at some point 🤷🏼♂️
@SpencerJohnsonOfficial agreed! I am definitely going to add it at some point...and I was considering doing it this month (as I have 5 paid stays in properties where I'd get less than 1.7cpp redemptions) but woth only 4x with the card and 3x with my CSR it's not a big difference... and that Bonvoy Boundless 5 50k certs with 5k spend is just way more enticing right now...
I am very surprised that you pick csr given you also picked ritz: given the essentially priority pass membership from the ritz card, that’s you are valuing the elevated multipliers at $250/year, you must be a big spender 😂
Well there are many more benefits from both cards than the PP membership so I justify the cards in other ways.
Awesome video as usual Spencer! A question regarding Chase. If I opened a CSP last year, can I product change to the CSR (now) and still be eligible for a sapphire bonus 48 months from the original date I opened the CSP, or will the clock reset if and when I product change from CSP to CSR?
Thanks so much! To my knowledge, your clock would have started after you get the bonus on the CSP. Therefore, even if you PC it or cancel it before the 4 years is up, your clock is still gonna run.
If over 5/24 but while in it you receive a “special for you” offer to get a certain Chase Credit Card will it be approved?
Based on the 5/24 rule, I would say no. With that being said, I personally saw others get approved for Amazon Visa with 5/24. Maybe they're lenient with co- branded cards.
@@mikewilliams5948 interesting. Thanks for answering. The card in question is the Marriott Bonvoy Boundless.
The hyatt is a waste of a 5/24 slot. You can get an INK for half the cost with a higher bonus and transfer.
Spency Chase! ☺☺
Hello, Mr. Spencer!!! I really enjoyed the video of you exploring all of the features of your dream card setup. However, in my case, just about all of these credit cards are off-limits to me since my credit score is 532 and tanking from there. It's only a matter of time before I'm in the 400 club. 😢
Hi there professor! I really appreciate your support! I'm sorry to hear you're struggling to bring that score up. I've made some more in depth videos about how you can raise it, but in reality, the simplest things you can do to start that process is to make sure you're paying off all of your card statement balances on time and in full every single month and if you can keep a lower utilization on your cards that really helps too! Hopefully my other videos help you out as well though!
Hey Spence, I have a big purchase coming up (~3-4k) and I’m looking to apply for a new card to take advantage of a sign up bonus. I’m over 5/24 so Chase isn’t an option, can you help recommend a business/personal card to put it on. (FYI I only have Chase atm)
Hey Robby! The immediate cards that come to mind are Chase cards right now, particularly their Ink cards or the Marriott Boundless (for its new bonus), but since you're locked out of Chase for the time being, I guess your next option would have to be with another lender. I'm not sure what lenders you prefer or what kinda ecosystem would fit you best, but I'd be looking for the highest bonus you can find with a lender you'd get value from.
Assuming you want to get back under 5/24 soon, a business card would be your best bet, and the first lender I'd look at is Amex. If you aren't stuck in pop-up jail, you could grab one of their business cards, or maybe even a cobranded business card like the Hilton Business. That would probably be what I went with in your situation, but idk how you like Hilton or if you're in pop-up jail or anything, so it's a bit hard for me to nail it down to one card.
Thank you again for becoming a member btw! It means a lot!!
@@SpencerJohnsonOfficial yeah reading back on the original question, I definitely should’ve added more details haha! But I definitely agree with your take on AMEX. I’ve been looking at the Marriott business card mainly because I think the Business gold cards $10,000 threshold is a bit of a stretch for me to reach.
And thanks Spencer, I appreciate the well thought out response. Keep up the great work!
No worries man! The Marriott Biz card could definitely be a good move too. It'll just lock you out of any bonuses on the Chase Marriott cards for 2 years, but if you don't care about that then you could definitely go that route! @@RobertTorres_
That's true, airline credit cards are almost not worth it unless you're in a hub. Especially AA's Miami super hub, then an AA card can be really worth it
I assume PC to Ritz-Carlton will be ended some time in 2024.
Top 3
Dang son, second place aint too shabby! 🥈
That Southwest Priority card is underrated I feel. I have it and love the perks that come with it, especially since Southwest is my airline of choice! Didn’t have you with the CSR, voted wrong on the poll it seems 😅😂
Yeah I think the SW Priority is a great card!! I'm excited to get my hands on it one day. And yeah the poll was tough this week so don't beat yourself up 😆
Hey Spencer, there's a one Platinum signup bonus rule now.
Exactly right! That's one of the changes I was alluding to when talking about Amex. I'd still get the Vanilla Plat first for the bonus, then get a retention offer and eventually cancel it and open the CS version without the bonus. I wish they'd let us get both bonuses still and maybe they'll change that again in the future, but that change made me want the Platinum card a lot less.
Looks like I’m FIRST again 😃😆
How does he do it people? 🤣
@@SpencerJohnsonOfficialI see that you forgot my medal 👀
Chase and Amex in my opinion are the best lenders
They’re both really solid, that’s for sure! They’re still my top two right now, but if Amex keeps acting up they may drop out of the top 2 👀
Hi spencer😀😃🤩
Hey Pablo!! 👋🏼
@@SpencerJohnsonOfficial thank you spencer😀🙃💯❤
Damn I got the notification late 💀
It happens to the best of us. No worries brotha!
Yay WOH 🤩🤩🤩💪
It can be really solid for the right person for sure!!
Anyone switching to Team Cash Back with the coming lockdowns/mask requirements, etc.? No point in Travel cards if you can't travel or they make it so you don't want to travel.
I Want To Build My Credit 😭
I Don't Have An CHASE CARD YET I Would Love To Get One😢💯💯
👍🏻
He came in for the clutch first place finish!! 👑
@@SpencerJohnsonOfficialbeat Ahmad somehow 😂 🏆 this time
People hate cards lol ?
The Platinum Card gives you free Priority Pass.
First
Not this time 🤣
Nooo he's fallen to 3rd! The world is upside down! 🥉
@@SpencerJohnsonOfficial technically I was the first person to say first 😅
6th* Lol
You were within a minute!! Folks get here so quick it's insane. Thanks for being here early though!
I beat CJ the main reason for my constant refreshes lol! Happy to be here your videos are great, cant wait to see you break 10k subs!@@SpencerJohnsonOfficial