As someone with 23 cards and like 5 ecosystems. I prioritize Chase URs and yes mostly spend on the CSR. The reason? 3X on travel no portal, 5-10X on portal, transit, dining, really adds up especially supplemented by the CSP, CFU, and CFF. (Yes I have both the CSR and CSP because the CSP is my wife’s. We use it for the online groceries and streaming.)
Dining: Chase Sapphire Pref., Grocery: Amex Gold, Gas: Citi Custom Cash, Rent/Utilities: Bilt, Catch-all: U.S. Bank Smartly and Hotel: Hilton Surpass will be my core set up for 2025. Just farming all year, might dabble in some chase biz cards but we will see!
Yeah, not just because of One Sapphire, but because the Sapphire Preferred would be a TERRIBLE feeder card for the Sapphire Reserve. But it CAN compliment the Venture X some and the Platinum.
That's one of the more eclectic core setups. Thank you for sharing. The Hilton card is not one I considered, but it is a decent "fill in the gap" card.
@@LeMerf Actually I’m just working on the sub for the Surpass right now. If you have enough spend to hit the free night, I think it’s a good option. I don’t spend $15k in a year, and I’ve found Bilt points to be super valuable for me, so I’m prioritizing that one.
@@MattClausen I do have preferred rewards; I use the premium rewards card and two CCRs, mostly one for the very broad online shopping category, and occasionally the second for other categories. My total spend isn’t that high, but it still gets me a few hundred in cashback in a year, even with using some point cards, too.
Tbh, I was a bit surprised to see Chase add Air Canada lounge access instead of United Club access. Figured the former would be more useful in the US. It feels a bit like if AmEx Platinum card holders got into Aeromexico lounges instead of Delta Sky Clubs (or if the Citi Prestige got you into Alaska lounges instead of Admirals Clubs).
I have to imagine United Clubs are next, but that's probably a delicate dance given how many MORE CSR Holders there are than United Club card Holders AND JP Morgan Reserve Holders, Air Canada is likely Data Collection. AmEx-Delta lost a bunch of visits with the Platinum and Chase can't *really* afford the same. But we'll see.
Most charges go on Amex gold (food for my teens), CSR (travel), and the WF Autograph (gas, cell, utilities) with enough on Hyatt (gym + misc) to reach my extra free night each year. Oh, and Alaska via Bilt for the college teens apartment - at least I’ll get a Hawaiian vacation out of that by the time he finally graduates. 😂
@ Ah. Good point! They’re on autopay and the Hyatt is relatively new, so I didn’t think about switching them over. We have enough in misc expenses for Hyatt and a few other SUB per year without switching, but I’d rather have Hyatt or Chase points over WF points. 😁
Thanks for the video, Matt. So, you prefer 5 UR points over 3 Wells Fargo Rewards points and cellphone protection? I prefer the opposite, but I definitely can undersand the preference for the UR points as well.
Great explanation on the Reserve. I think that is definitely the bottom line, if you have the Plat or Venture X use the CSP instead. That’s what I do. Anyways, do we know what Chase is doing with Lyft Pink yet? Is it getting renewed or are we getting a Starbucks credit?
It was the best excuse I could make for the Sapphire Preferred. No news yet, but let’s see what happens. I imagine the only banks doing anything right now are Wells and Capital One.
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As someone with 23 cards and like 5 ecosystems. I prioritize Chase URs and yes mostly spend on the CSR. The reason? 3X on travel no portal, 5-10X on portal, transit, dining, really adds up especially supplemented by the CSP, CFU, and CFF.
(Yes I have both the CSR and CSP because the CSP is my wife’s. We use it for the online groceries and streaming.)
Nice setup to get around the rule against holding both sapphires!
Sure is.
UR Points are pretty strong value for now. Though, Hyatt may be holding a bunch of that water. Then again, plenty of other partners too.
Dining: Chase Sapphire Pref., Grocery: Amex Gold, Gas: Citi Custom Cash, Rent/Utilities: Bilt, Catch-all: U.S. Bank Smartly and Hotel: Hilton Surpass will be my core set up for 2025. Just farming all year, might dabble in some chase biz cards but we will see!
This works. I'd love to find a wholesale card and switch to wholesale completely.
Agreed on the CSR vs CSP and how you should get one over the other. Great video Matt!
Yeah, not just because of One Sapphire, but because the Sapphire Preferred would be a TERRIBLE feeder card for the Sapphire Reserve. But it CAN compliment the Venture X some and the Platinum.
That's one of the more eclectic core setups. Thank you for sharing. The Hilton card is not one I considered, but it is a decent "fill in the gap" card.
Thanks, I’m not all Chase all the time, but I do enjoy this set up for now. Simple…ish.
Great job on TH-cam ♥️
Thank You Vicki!
Great video Matt. Good wallet set up for the end of the year.
Thanks Jon! Yeah, it's a good "take a breather" set up for sure.
Bilt and Hilton Surpass, and a BoA cash back setup.
Yooo I might wanna run this how do you run it? Just rent for Bilt and try to hit the 15k free night? Then boa as the main card after?
@@LeMerf Actually I’m just working on the sub for the Surpass right now. If you have enough spend to hit the free night, I think it’s a good option. I don’t spend $15k in a year, and I’ve found Bilt points to be super valuable for me, so I’m prioritizing that one.
Which BofA Cards, and do you have the preferred rewards?
@@MattClausen I do have preferred rewards; I use the premium rewards card and two CCRs, mostly one for the very broad online shopping category, and occasionally the second for other categories.
My total spend isn’t that high, but it still gets me a few hundred in cashback in a year, even with using some point cards, too.
@ got it. If you’ve got them up to 5.25%…can’t go wrong
Tbh, I was a bit surprised to see Chase add Air Canada lounge access instead of United Club access. Figured the former would be more useful in the US. It feels a bit like if AmEx Platinum card holders got into Aeromexico lounges instead of Delta Sky Clubs (or if the Citi Prestige got you into Alaska lounges instead of Admirals Clubs).
I have to imagine United Clubs are next, but that's probably a delicate dance given how many MORE CSR Holders there are than United Club card Holders AND JP Morgan Reserve Holders, Air Canada is likely Data Collection. AmEx-Delta lost a bunch of visits with the Platinum and Chase can't *really* afford the same. But we'll see.
Thanks for the peek, Matt.
Thank you!
Most charges go on Amex gold (food for my teens), CSR (travel), and the WF Autograph (gas, cell, utilities) with enough on Hyatt (gym + misc) to reach my extra free night each year. Oh, and Alaska via Bilt for the college teens apartment - at least I’ll get a Hawaiian vacation out of that by the time he finally graduates. 😂
A solid Set up. Surprised Utilities on the Autograph and not on the Hyatt. but still, a great set up indeed.
@ Ah. Good point! They’re on autopay and the Hyatt is relatively new, so I didn’t think about switching them over. We have enough in misc expenses for Hyatt and a few other SUB per year without switching, but I’d rather have Hyatt or Chase points over WF points. 😁
Thanks for the video, Matt. So, you prefer 5 UR points over 3 Wells Fargo Rewards points and cellphone protection? I prefer the opposite, but I definitely can undersand the preference for the UR points as well.
Cell phone protection matters less when paying for Apple Care, but yeah something to consider going forward.
Great explanation on the Reserve. I think that is definitely the bottom line, if you have the Plat or Venture X use the CSP instead. That’s what I do.
Anyways, do we know what Chase is doing with Lyft Pink yet? Is it getting renewed or are we getting a Starbucks credit?
Is the Starbucks credit a real rumor, or is that a joke about the Amex Dunkin credit 🙂?
@ it’s a joke, but I also want it to be true. Starbucks is very international.
It was the best excuse I could make for the Sapphire Preferred.
No news yet, but let’s see what happens. I imagine the only banks doing anything right now are Wells and Capital One.
@@MattClausen capital one doing what exactly?
@ I imagine lobbying to get their Discover merger approved.
Do you feel any sense of points "spread too thin?"
Your channel is growing so fast, BTW! Congrats!
I have moments, but, part of not getting into AmEx or pursuing Citi is because of this.
When you combine points in transfer partners, it all adds up again.
Venture X, BILT, USBAR, and Hilton Surpass. The Citi Strata will soon take on grocery and gas, and the Surpass will become a pseudo business card.
All totally fair
This frickin autograph beyond ain't coming
Pick one:
WF Auto Beyond
Citi Strata Elite
Good $20K electric car
Fusion energy
Which hits market first?
@Adiscretefirm screw them all, give me early retirement
@@Adiscretefirm LOL
Should be over a hurdle. It’ll probably launch Q1. I hope with more Transfer partners. We’ll see.
If the autograph beyond underwhelms, would that push you more into Chase over WF?
I probably just stay right where I am
X1 cut me from $19,500 to 5,000 and i paid in full every month
Ouch. Yeah, I don’t like what’s happening over there.
I’m pro background, liked those few days.
We’ll see what happens