I got johns offer from Chase unlimited last year of matching dollar by dollar for one year and just got my 150k bonus pts last week! (Yes i spent a lot lol) Just surpassed 1 mil pts, ready to start planning trips for 2025!! Guess chase dropped it to only 20k max for this year lol
Wish I had gotten/seen your offer. The extra 30k points on the 20k offer were nice but they don't change the equation. You really cashed in on your SUB and deserve your trips. Take care & have fun!
Awesome roundup! Great emphasis on no annual fee cards for beginners. Quick thought - could you dive deeper into maximizing transferable points for travel in a future video? It’d be super helpful for first-timers navigating reward redemptions.
I have 4.5 years of history, 2 cards, 780 fico score, 0 missed payments, 0/12 0/24. and just got denied for citi custom cash due to not having enough credit history 🙄
Do you pay your card off completely before the statement closing date? If so, then you are reporting 0% credit utilization. That could be the reason they don’t consider your credit history to be extensive enough.
John, I’m having trouble finding the non public offer for the chase card. I recently got this card and would like to be able to add this offer to my card if at all possible. Thanks
Thank you for your videos. Could be possible for you to do a video talking about having a good profile in order to get a 800 credit score? Thank you for your help.
Best way to get a credit card is build a positive bank (debit) account from month to month overtime. Your bank will automatically offer you credit cards. Especially if you have direct deposit from your work.
I only ever do no annual fee cards. I have gotten 15 cards in the last year. Got my first card 2 years and a half ago so i got a total of 16. Im going to the garden for a while and then im going to be really picky on which cards to get
I’m honestly shocked the Freedom Flex wasn’t even an honorable mention. Heck could have made it a seven card video. Cause who doesn’t like a little Bit of luck on their side?💁🏽♂️
i have a capital one plat as my first card and got my first mid score of 640 :/ would i get approved for the savor? i hate not having any benefits and sadly didnt do as much research as i am now lol
Can someone explain me what it means to swipe the card at least 5x every statement cycle please?? More than tell me what it is, it is more "Why" you have to swipe it 5x😅
Hey John I am new to the credit card game and have one big question I can’t find a clear answer to: If I have a card with a $1000 credit limit and I spend $300 then pay the balance and then spend on it more and pay it completely off before the statement close date, does that count as a credit utilization of 30%, more than 30% or 0%?
These Bilt advertisements are annoying on every single channel. How can you recommend it as the best card but it has no sign on bonus? It's because you're getting paid to say that, just like every single personal finance youtuber. Misleading.
Don't owned any Citi cards, BILT or any wells fargo credit cards but would like to apply for the bilt when ever they take mortgages, Citi Strada, custom cash and double cash that's what i'm planning for 2025
@aberobert7752 That’s why they are called beginner credit cards for a reason. Actually, they are fine cards to keep, but of course there will be better cards out there for the seasoned credit card users.
![What Credit Cards You Should Have by AGE [Full Guide]](/img/n.gif)
I love fro beginners!
Fro real
haahahh you got me!
But do you have cards fro intermediates?
Unfrotunately not :(
Same haha I have the basics. Looking to upgrade this year, but it's overwhelming with all the options and I don't want to waste an annual fee!
@@johnsfinancetips Dear John, In Thailand, no more Citi ( UOB bought Citi). Do you still recommend using Citi(UOB)?
I got johns offer from Chase unlimited last year of matching dollar by dollar for one year and just got my 150k bonus pts last week! (Yes i spent a lot lol) Just surpassed 1 mil pts, ready to start planning trips for 2025!! Guess chase dropped it to only 20k max for this year lol
Wish I had gotten/seen your offer. The extra 30k points on the 20k offer were nice but they don't change the equation. You really cashed in on your SUB and deserve your trips. Take care & have fun!
@ thanks!
= Thanks my man 💯💯💯💯
I have 4 of the 6 cards you mentioned 😎
Awesome roundup! Great emphasis on no annual fee cards for beginners. Quick thought - could you dive deeper into maximizing transferable points for travel in a future video? It’d be super helpful for first-timers navigating reward redemptions.
I have 4.5 years of history, 2 cards, 780 fico score, 0 missed payments, 0/12 0/24. and just got denied for citi custom cash due to not having enough credit history 🙄
Do you pay your card off completely before the statement closing date? If so, then you are reporting 0% credit utilization. That could be the reason they don’t consider your credit history to be extensive enough.
@ omg yes you’re right. Both my auto payments on my other cards were paying before they reported balances. Thats so annoying 😅
So you said you had a chase unlimited nonpublic offer and didn't provide it? Is this just a reupload or something?
John, I’m having trouble finding the non public offer for the chase card. I recently got this card and would like to be able to add this offer to my card if at all possible. Thanks
Shoot me an email and I’ll find one for ya!
@ I did and you already replied. Thanks very much! Merry Christmas good sir appreciate you!
John. Whats your email perhaps I can get a link too. Thanks
I'm so tired of not being to apply for so many cards because I live in Puerto Rico. I want the Bilt card and can't.
Thank you for your videos. Could be possible for you to do a video talking about having a good profile in order to get a 800 credit score? Thank you for your help.
Would this be relevant for someone who doesn’t have any credit history whatsoever; first time ever credit card?
That’s what beginner means
Discover is easy to get approve of, my first credit card
Go for discover
Best way to get a credit card is build a positive bank (debit) account from month to month overtime. Your bank will automatically offer you credit cards. Especially if you have direct deposit from your work.
I only ever do no annual fee cards. I have gotten 15 cards in the last year. Got my first card 2 years and a half ago so i got a total of 16. Im going to the garden for a while and then im going to be really picky on which cards to get
I’m honestly shocked the Freedom Flex wasn’t even an honorable mention. Heck could have made it a seven card video. Cause who doesn’t like a little Bit of luck on their side?💁🏽♂️
You're not fuckin wrong my brutha 🫡 and u mentioned a good choice also 😌
is the unlimited better or the flex better?
I don’t see the non public offer for the chase freedom unlimited that you mentioned that it would be in description
do you have any tips on how to cancel a card that sucks?
Stop using it or just cancel it
= Question what's think of SoFi credit card❓
Too much of a headache just get AAA daily and travel credit card both of those combined will do all this with just two cards
Can you please do an intermediate credit cards? PLEASE PLEASE
How would you say the Discover it secured version is if you have never had credit? Best option or is there a better one?
Hello John, where is the link to the non-public offer to the Chase freedom unlimited card, the one with cashback match in the 1st year? Thanks
Why does your thumbnail have Savor One ? You might want to change it to Savor
Can you give recommendations for first time credit card holders? No credit score?
Go for discover, others will decline
Dear John, In Thailand, no more Citi ( UOB bought Citi). Do you still recommend using Citi(UOB)?
Citi is very inquiry sensitive?
What about credit cards from penfed?
Hey John, how many credit score is needed to get approved fro Bilt Credit Card?
Capital one savor only looks like its $200 sub? Do you have a link to the $250 sub?
$200 is still good; come on man
I love my discover it
Do these cards work with people who do t have a previous credit card?
Where can I get a John Liang credit card?
i heard bilt capped the rent day rewards to 1000? is it still possible to get 100k points a year after the change?
i have a capital one plat as my first card and got my first mid score of 640 :/ would i get approved for the savor? i hate not having any benefits and sadly didnt do as much research as i am now lol
Can someone explain me what it means to swipe the card at least 5x every statement cycle please?? More than tell me what it is, it is more "Why" you have to swipe it 5x😅
Hey John I am new to the credit card game and have one big question I can’t find a clear answer to:
If I have a card with a $1000 credit limit and I spend $300 then pay the balance and then spend on it more and pay it completely off before the statement close date, does that count as a credit utilization of 30%, more than 30% or 0%?
Your credit utilization would be 0% since you have already paid off your whole balance before the statement closing date.
Bilt now gives 2x on groceries
I thought the citi cc hack is fixed
Cap1 venture X is $ 395.00 fee a year. No, thank you.
fro
FRO REAL!
These Bilt advertisements are annoying on every single channel. How can you recommend it as the best card but it has no sign on bonus? It's because you're getting paid to say that, just like every single personal finance youtuber. Misleading.
Don't owned any Citi cards, BILT or any wells fargo credit cards but would like to apply for the bilt when ever they take mortgages, Citi Strada, custom cash and double cash that's what i'm planning for 2025
Gonna say it, a lot of these cards aren't that good
Wat cards you recommend?
@aberobert7752 That’s why they are called beginner credit cards for a reason. Actually, they are fine cards to keep, but of course there will be better cards out there for the seasoned credit card users.
I have all of them except the Wells Fargo Active Cash.