I use the venture x, savor, and Costco Citi (for gas and Costco obv). I like the Costco because although it’s 4% back on gas, you also get 2% on all Costco purchases on top of the 2% Costco certificate after every anniversary. It all adds up fast if you get your tech and larger purchases at Costco.
Bilt, amex gold, CSP, and CFF so far for me. Ill be upgrading to the CSR and adding the CFU when i get to 2/24 in june. Im also eyeing the amex BBP for the 2x catch all, just waiting on a SUB higher than 15k
I only use 3 credit cards; Citi Strata Premier=groceries and restaurants. Citi Custom Cash=dedicated gas card. Citi Double Cash=my catch-all cards. This simple setup allows me to be either team travel or team cashback, whatever the flavor of the month is.
That's a brilliant setup for flexibility between the two teams. Not only that CSP can pickup gas at 3x and redeploy Custom for another category makes sense for a bit. I think that's one of Citi's most underrated perks.
The Citi Trifecta is one of my favorite setups! You can’t argue with how good the multipliers are. If I was someone just sticking with 3 cards and not adding multiple per year for the welcome offers, I’d strongly consider that setup.
Nice recommendations Spencer! I use the below five cards to maximize my rewards which includes one workhorse, three speciality, and one wildcard: 1. US Bank Altitude Reserve for mobile wallet and travel 2. US Bank Cash + for utilities and streaming services 3. Bilt for rent 4. Citi Custom Cash for restaurants 5. Chase Freedom Flex for rotating categories
@phucmapvlog if you have united cards, check if you were given targeted offers. Right now, untill end of the year, they added x3 miles for wholesale clubs and dinning to my united card. A side wholesale clubs issue,, chase will acknowledge wholesale club fuel purchased as a gas catogory multiplier. AMEX is treating Sam's gas as uncategorized connected to the wholesale club.
@@SpencerJohnsonOfficial When I'm in the US, I'm always at Wal-Mart (basically next door). Do you know of any cards off-hand that do consider Wal-Mart groceries?
@@phucmapvlog There are a good amount of cashback options like the US Bank Shopper Rewards, BofA Customized Cash, AAA Daily Advantage, Amex Blue Cash Everyday w/ Walmart Pay, etc. but if you're looking for a good travel card, it's a bit trickier. Honestly, using a 2x miles card is probably the best way to go as long as you can redeem those points for more value than a cashback card would give you % wise. Using workarounds like Walmart Pay seem to be the best approach to give you more optionality, so I'd look into that.
Hey Spencer! Active watcher of the channel, thanks for all you do and congrats on 25K! I just got approved for the amex gold card - my first amex lol I'm a bit confused because my app says "no present spending limit". Any advice on the best ways to navigate this and what's the best approach? I have some big payments coming up and want to make sure they let me charge them to the card.
Why not also have the Savor card in the workhorse catagory for cashback? It honestly hits every major catagory outside of gas. And for Gas you could just use the AMEX Blue Cash Everyday for that or even mix it in for grocery spend.
I separated the travel and cashback options by whether or not the points earned on the card can later be used with transfer partners or not. It can be a great cashback card too, but since you have the ability to use the points for more value, I slotted it in the travel category.
@@SpencerJohnsonOfficial that makes sense. Personally I use it for groceries, dining, streaming and entertainment because the cashback could be used for either and I feel like it’s good for a hybrid setup. Even though I may have too many cards now to get a Venture card ha ha (I have 11 right now)
@@sol_nb7143 I feel you! I got the VX as my 8th card and I felt like I may have been pushing it but was luckily auto-approved. Could always be worth checking their pre-approval tool!
Thank you man! I'd definitely analyze all your options and see what setup works best for you, but hopefully some of these options give you a good place to start!
I’m really new to the credit card game. I bank with Chase and I’m looking to get the Chase trifecta cards. This was a really helpful video. Thanks! Side note: I just joined your page as a new sub and am looking forward to future content
I grabbed the CSP for another 60k welcome offer and 300 dollar credit for the first year. I had the CSR but down graded to Freedom Unlimited so I could grab another Welcome offer for the CSP.
That’s a really solid move! Locking in multiple Chase card welcome offers is a great idea and the ability to do so is one of the big reasons I like Chase so much.
Hey Spencer, I heard from Shaun and Sherwin (of the Credit Card BS Podcast) that Chase was tightening down on who they approve for Inks. They said this could either be due to the Fed cutting rates or due to them clamping down on churners. Have you encountered this, or has anyone else here?
Ironically the last type of cards you mention, wild card cards are the cards that most people probably start or restart their journey at. Rotating quarterly cards like the discover it or chase FF are great entry cards. Especially the discover it since they match all your rewards on the card after the first year. After that it probably isn't worth getting it.
You’re not wrong! I could’ve touched on the order in which to get these cards, but that’s more of a personal choice than anything I guess. That Discover it welcome offer is huge for beginners though, I agree with you there! Thanks for watching and commenting as always brotha.
I have been wanting the AMEX travel trio for like forever and will finally be getting it soon! Also just subscribed and entered your giveaway. Congrats on 25K I have seen your videos before but just decided to sub since you always produce great content.
That's awesome Ash! As long as you've done the math and know that the Amex trifecta will produce positive value for you naturally, it's an awesome setup. I truly appreciate your support too btw! That means a lot. Best of luck in the giveaway!
@ Yea I am getting the green card first to get the sign up bonus and I am gonna hold onto that for a bit and start that trifecta when I get enough of a reason to travel later down the road. Gonna get the chase trifecta as well because you can’t go wrong with it. And then I’m still trying to get the bilt card. Just got approved for the Amazon credit card through chase so we will see if that was a good idea later I guess. But it is a start into getting chase cards.
Great video, like the idea of breaking down cards by type. I realized I don't have a good cleanup card. As the Bilt card gives me 1x and TPG values Bilt points at 2.05x I could technically use it but a 1.5x Chase card would be worth more technically. I could easily get 2.5% back with the Smartly card. Not sure which road to go down. Once I'm under 5/24 I will get the Sapphire Reserved and then upgrade it to the Sapphire Preferred for the Power Card. And then I will use SUBs for the Wildcard spot.
It depends on your overall strategy! A lot of people like to pair the Freedom Unlimited with the Sapphire Preferred once they’re ready to use their points for travel, so you could consider that possibly!
Bro, you love credit cards... I guess it's a way of modern life so everyone should do the best they can to maximize their use. My recommendation is pay every one of these cards every month and never carry a balance... I see a lot of people ravaged by these crazy interest rates
This channel is all about maximizing value from your everyday spend to make memories with loved ones that you may not have been able to otherwise, but all of that is dependent on the card user being responsible. If you can't manage more than 1 card, then I wouldn't ever recommend you get more than that! It's all up to the individual to assess their financial responsibility. As you mentioned, those interest rates will eat you alive if not!
The only reason I ever use a debit card these days is to pull money from an ATM. All of my purchases go on a credit card though (as long as I'm getting positive value for doing so). For international purchases specifically, you just need to make sure your card has no foreign transaction fees.
I have the Bilt card and am looking into either capital one duo or chase tri. Was leaning towards chase due to the travel partners meshing with Bilt better but now I may reevaluate after this video
Which route you go is completely up to you! I personally started with the Chase route and am really glad I did. Then again, Cap1 can be harder to get approved for down the line, so starting with them isn't a bad idea either.
I included an option from each of the main lenders, and while it’s not the best option for someone late game, I think it’s a perfectly good place to start before you consider upgrading to something more premium. It’s always case dependent of course.
Im approaching my end game. Next month i will finish a business sub and go under 5/24. 1 or 2 possibilities in late spring or early summer. So next 5 or 6 months im going to carry core.. Player #2 is doing the freedom flex groceries and gas 12k sub. But I will have Amex Hilton Surpass. Dinning at Hilton Dinning locations i get a x2 bonus for x8 earning on dinning. Before you down the hilton, high end properties with 5th night free points are worth 1 cent or more and may see how i do with the 15K to earn a FNC. Have the trifecta and Inks but everyday chase card in the wallet will be the unlimited. The csr and flex will be used with catogory dependent spend. I will probably have a third card that either fits planned catogory use or i will be alternating to keep it active. I pretty much have small pre scheduled spend on most cards . So normal day HILTON Surpass , UNLIMITED, flex/csr.
Let's go Bill! That's awesome that you have such a solid strategy for you and your P2 going forward. You're definitely doing it right! Thank you as always for sharing your thoughts with us. I truly appreciate it!
For a cashback user, it's a great card as I mentioned! However, it can be easily beaten by most travel cards if you're someone who prefers to earn in those currencies.
I had this Capital one savor one card last 03/24. It was my 2nd card at the time and didn't know very much about it. It didn't have any welcome offer/sign up bonus at the time (or I just wasn't paying attention) but I know it doesn't have any SUB. Now they offer life a 0% APR and $250 back on $500 spent within 3 mos. I was thinking if there's a way I can get that offer? Like close this account and try to apply for a new Capital one Savor just to get the SUB? Anyone here had done it? Any advise is much appreciated!
Unfortunately Capital One will do that frequently where they’ll offer you the card you want but with no welcome offer (Savor Rewards vs. Savor Rewards for Good Credit) and if you don’t read the terms closely you’ll get stuck without one. To get a welcome offer on the same card you’ve already applied for with them, you generally have to wait 48 months, so you wouldn’t be eligible for quite some time. You could always go for different cards in the meantime though!
@@SpencerJohnsonOfficial The pre-approval tool of cap1 keeps declining me and saying "Based on your application information, there is a currently pending or recently processed application with Capital One" I applied last 10/08/24 for the Venture card, but they declined it but counter-offered with their VentureOne and I mistakenly refused. I haven't got any new card with them since my Savor one last 03/24. But got some new ones from different banks. the reconsideration line is literally useless. Thanks for the response!
I know it’s about a month until 2025 but cmon Spencer I wish you would’ve named the video 2024 instead because you’re recapping the ultimate credit cards of the year. We don’t know yet what cards will be good or bad next year.
I see where you're coming from! However, the intent behind the video was to show folks how they could get started right now and have a really solid setup for years to come. The information is pertinent no matter what year you watch the video. As always, I'll make updates if and when new cards come out, but I provided optionality intentionally in this one for the information to be relevant no matter when you watch.
The Apple Card isn’t good unless you’re just an Apple lover. It’s an okay 2% card, but it lacks a consistent or good sign up bonus. It doesn’t have a 0% APR period either.
I put it on the summary screen for a catch-all card! Overall it's not a card I recommend a ton just because there are better options out there for the majority of card users, but it serves it's purpose well for those that like Apple!
My man, thanks for this video. The category approach v. just an absolute/stack ranked tiering system is super helpful. Would love to get your take on what I’m missing from my current setup: Workhorse - Amex Gold, CSR Cleanup - Venture, CFU? (not sure I totally understand this group) Power - Amex Platinum Speciality - ¯\_(ツ)_/¯ Wildcard - CFF I’m not actively looking for a new addition, but I am curious if my current stable checks all the boxes or if I could stand to diversify based on the ecosystems I’ve invested in. Appreciate it!
Of course man! I’m really glad you appreciated the route I took with this one. As for your setup, it looks to me like you have the bulk of everything covered! The only place I’d consider bringing things in would be the Bilt cars if you rent, or a specialty card similar to the Citi Custom Cash to cover you at 5% on any pesky earning categories. Other than that, it could be time to start adding hotel/airline cards that fit your goals or add cards for welcome offers alone if that’s the route you choose to take. I like how your core setup is looking though! Thanks for watching and commenting on this one Sean!
@@SpencerJohnsonOfficial Thank you, brother! Really appreciate this, and all of your videos. Keep it up and super grateful for the reply and the helpful analysis.
Love your channel as a semi newbie to Credit Cards! (Always used one but never used it to its full potential) Workhorse : Savor or BCE Cleanup Card: Quicksilver for now (but aiming for the Citi double cash) Powercard: (not a traveler lol so no need for one, plus I'm all about cash back. Although my Savor or Quicksilver could add to these categories if it's last minute due to the no FTF and 5%/8% back through the cap One portal) Speciality: Citi custom cash Wild Card: Discover Student Cashback Currently working on my SUB for my BCE, bust aside from that after getting the DC by Citi my setup will be done lol I also love this MaxRewards it is so nice to have everything in one place and that it activates all the offers on my BCE automatically along with the Discover.
I love to see it! That's a really solid cashback centered setup for sure. I'm really glad you like MaxRewards as well! They've served my needs really well over the years.
💲 Download MaxRewards: maxrewards.app.link/spencer (Code: SPENCER)
🎁 25k Subscriber Giveaway Entry Form: spencerjohnsoncards.com/25kgiveaway
Great video Spencer! A very smart way to think about a core setup for travel or cashback.
Thanks so much Devlin! I appreciate you watching and commenting.
I only carry the Venture X, Savor, and Custom Cash. Those 3 cover all the categories for me!
That's awesome! Definitely a solid hybrid setup. You may consider adding the Strata Premier down the line to use your Citi TY points for more value!
For what you use the custom cash?
@@Bayranav gas
I have the first 2 cards. Did you consider getting the Marriott Bonvoy as well? I like to keep my life simple and annual fees are not an issue.
I use the venture x, savor, and Costco Citi (for gas and Costco obv). I like the Costco because although it’s 4% back on gas, you also get 2% on all Costco purchases on top of the 2% Costco certificate after every anniversary. It all adds up fast if you get your tech and larger purchases at Costco.
Your doggy stole the show for me
He has a tendency of doing that!
Congratulations on 25k!
Thank you so much brother! Y'all are truly the best.
Bilt, amex gold, CSP, and CFF so far for me. Ill be upgrading to the CSR and adding the CFU when i get to 2/24 in june. Im also eyeing the amex BBP for the 2x catch all, just waiting on a SUB higher than 15k
I only use 3 credit cards;
Citi Strata Premier=groceries and restaurants.
Citi Custom Cash=dedicated gas card.
Citi Double Cash=my catch-all cards.
This simple setup allows me to be either team travel or team cashback, whatever the flavor of the month is.
That's a brilliant setup for flexibility between the two teams. Not only that CSP can pickup gas at 3x and redeploy Custom for another category makes sense for a bit. I think that's one of Citi's most underrated perks.
@chadpennycuff 100%. I'm working towards getting the Citi Rewards+ eventually and then after a year PC to another custom cash 💸
The Citi Trifecta is one of my favorite setups! You can’t argue with how good the multipliers are. If I was someone just sticking with 3 cards and not adding multiple per year for the welcome offers, I’d strongly consider that setup.
Nice recommendations Spencer!
I use the below five cards to maximize my rewards which includes one workhorse, three speciality, and one wildcard:
1. US Bank Altitude Reserve for mobile wallet and travel
2. US Bank Cash + for utilities and streaming services
3. Bilt for rent
4. Citi Custom Cash for restaurants
5. Chase Freedom Flex for rotating categories
I appreciate you! It looks like you got a super solid setup for sure. I’m glad it’s treating you well!
Do any of the grocery multipliers include Wal-mart/Sam’s Club? (Most don’t in my experience)
A lot of times the answer is no, but it depends on the card. The terms will tell you whether or not they do!
@phucmapvlog if you have united cards, check if you were given targeted offers. Right now, untill end of the year, they added x3 miles for wholesale clubs and dinning to my united card.
A side wholesale clubs issue,, chase will acknowledge wholesale club fuel purchased as a gas catogory multiplier. AMEX is treating Sam's gas as uncategorized connected to the wholesale club.
@@SpencerJohnsonOfficial When I'm in the US, I'm always at Wal-Mart (basically next door). Do you know of any cards off-hand that do consider Wal-Mart groceries?
@@phucmapvlog There are a good amount of cashback options like the US Bank Shopper Rewards, BofA Customized Cash, AAA Daily Advantage, Amex Blue Cash Everyday w/ Walmart Pay, etc. but if you're looking for a good travel card, it's a bit trickier. Honestly, using a 2x miles card is probably the best way to go as long as you can redeem those points for more value than a cashback card would give you % wise. Using workarounds like Walmart Pay seem to be the best approach to give you more optionality, so I'd look into that.
I remember you talking about this video in the last live! Always great info 👌
Yessir! I appreciate you always stopping in to watch and comment Nick!
Great Video Spence. I'm going for the Venter X next.
I love the venture X. The travel credit is amazing and let's me fly first class each year
Thank you brother! Best of luck to you!!
Hey Spencer! Active watcher of the channel, thanks for all you do and congrats on 25K! I just got approved for the amex gold card - my first amex lol I'm a bit confused because my app says "no present spending limit". Any advice on the best ways to navigate this and what's the best approach? I have some big payments coming up and want to make sure they let me charge them to the card.
You essentially dont have a limit , charge what you want on there and just make sure you pay it back in FULL on the due date to avoid interest
Why not also have the Savor card in the workhorse catagory for cashback? It honestly hits every major catagory outside of gas. And for Gas you could just use the AMEX Blue Cash Everyday for that or even mix it in for grocery spend.
If you have too many cards and even an 800 credit score Capital one will deny you.
@@Polo1928-v2eget them at the start.
I separated the travel and cashback options by whether or not the points earned on the card can later be used with transfer partners or not. It can be a great cashback card too, but since you have the ability to use the points for more value, I slotted it in the travel category.
@@SpencerJohnsonOfficial that makes sense. Personally I use it for groceries, dining, streaming and entertainment because the cashback could be used for either and I feel like it’s good for a hybrid setup. Even though I may have too many cards now to get a Venture card ha ha (I have 11 right now)
@@sol_nb7143 I feel you! I got the VX as my 8th card and I felt like I may have been pushing it but was luckily auto-approved. Could always be worth checking their pre-approval tool!
Nice set up! Going to try and add these next year 👍🏼
Thank you man! I'd definitely analyze all your options and see what setup works best for you, but hopefully some of these options give you a good place to start!
Honestly, the Venture (non-X) should add in the 10k miles on every cardmember anniversary that the Venture X has.
I’m really new to the credit card game. I bank with Chase and I’m looking to get the Chase trifecta cards. This was a really helpful video. Thanks! Side note: I just joined your page as a new sub and am looking forward to future content
That’s so great to hear! I really hope you continue to find value from my content. Thanks so much for joining the community!
Very well concluded, Spencer.
I appreciate that brotha! Thanks for being here as always.
Thanks for the info + video!
Thank you for watching brotha!
Congratulations on 25k Spencer!!
Thank you so much Ed! Having you alongside me on this journey has been a blessing!
AAA cash back at 5% at groceries and 3% at wholesale clubs….
Great video, always making me rethink my credit card strategy
Thanks so much Luis! I'm constantly re-evaluating my strategy too, which is a big part of the fun in my opinion!
I grabbed the CSP for another 60k welcome offer and 300 dollar credit for the first year. I had the CSR but down graded to Freedom Unlimited so I could grab another Welcome offer for the CSP.
That’s a really solid move! Locking in multiple Chase card welcome offers is a great idea and the ability to do so is one of the big reasons I like Chase so much.
Great overview and perspective.
Thanks Chad! I appreciate you.
Good content
I appreciate you!
Hey Spencer, I heard from Shaun and Sherwin (of the Credit Card BS Podcast) that Chase was tightening down on who they approve for Inks. They said this could either be due to the Fed cutting rates or due to them clamping down on churners. Have you encountered this, or has anyone else here?
Ironically the last type of cards you mention, wild card cards are the cards that most people probably start or restart their journey at. Rotating quarterly cards like the discover it or chase FF are great entry cards. Especially the discover it since they match all your rewards on the card after the first year. After that it probably isn't worth getting it.
You’re not wrong! I could’ve touched on the order in which to get these cards, but that’s more of a personal choice than anything I guess. That Discover it welcome offer is huge for beginners though, I agree with you there! Thanks for watching and commenting as always brotha.
I have max rewards already. It is great so far.
I love to hear that!!
I have been wanting the AMEX travel trio for like forever and will finally be getting it soon! Also just subscribed and entered your giveaway. Congrats on 25K I have seen your videos before but just decided to sub since you always produce great content.
That's awesome Ash! As long as you've done the math and know that the Amex trifecta will produce positive value for you naturally, it's an awesome setup. I truly appreciate your support too btw! That means a lot. Best of luck in the giveaway!
@ Yea I am getting the green card first to get the sign up bonus and I am gonna hold onto that for a bit and start that trifecta when I get enough of a reason to travel later down the road. Gonna get the chase trifecta as well because you can’t go wrong with it. And then I’m still trying to get the bilt card. Just got approved for the Amazon credit card through chase so we will see if that was a good idea later I guess. But it is a start into getting chase cards.
@@MrAshCreates Sounds like a solid plan! Keep me updated on how it goes!
Awesome video Spencer ❤
Thank you so much Kam!
Great video, like the idea of breaking down cards by type. I realized I don't have a good cleanup card. As the Bilt card gives me 1x and TPG values Bilt points at 2.05x I could technically use it but a 1.5x Chase card would be worth more technically. I could easily get 2.5% back with the Smartly card. Not sure which road to go down. Once I'm under 5/24 I will get the Sapphire Reserved and then upgrade it to the Sapphire Preferred for the Power Card. And then I will use SUBs for the Wildcard spot.
Great job on TH-cam ♥️
Thanks so much Vicki!
My venture X is all 5!
I was thinking the same thing. I have the Venture X as well, but considering getting the Marriott Bonvoy, for more benefit options.
Have Chase Freedome unlimited right now, which card should I get next?
It depends on your overall strategy! A lot of people like to pair the Freedom Unlimited with the Sapphire Preferred once they’re ready to use their points for travel, so you could consider that possibly!
I don’t use my Citi Custom Cash nearly as much as I should after be excited to grab it through a PC.
It's a solid option to throw in for sure! It's a staple in my wallet for good reason.
nice setup.
Thank you James!!
Why is the Robinhood Gold card not on here? 3% unlimited cash back on all items, 5% on travel? Its extremely good.
oh wow ill need to look into this
Any thoughts on recent news of Bilt adding eXp realty as a partner for new homebuyers to earn points? Would love your take for an upcoming video!
I don't have a strong take on it at the moment, but I'll likely touch on it in Q&As in the future if anything! We'll see how it develops.
@ sounds good, thanks!
Capital One Savor is a good card?
Yes he literally mentioned in video lol
Bro, you love credit cards... I guess it's a way of modern life so everyone should do the best they can to maximize their use. My recommendation is pay every one of these cards every month and never carry a balance... I see a lot of people ravaged by these crazy interest rates
This channel is all about maximizing value from your everyday spend to make memories with loved ones that you may not have been able to otherwise, but all of that is dependent on the card user being responsible. If you can't manage more than 1 card, then I wouldn't ever recommend you get more than that! It's all up to the individual to assess their financial responsibility. As you mentioned, those interest rates will eat you alive if not!
When traveling internationally do you use mostly credit cards to get points and rewards or use debit cards to maximize savings?
The only reason I ever use a debit card these days is to pull money from an ATM. All of my purchases go on a credit card though (as long as I'm getting positive value for doing so). For international purchases specifically, you just need to make sure your card has no foreign transaction fees.
I have the Bilt card and am looking into either capital one duo or chase tri. Was leaning towards chase due to the travel partners meshing with Bilt better but now I may reevaluate after this video
I’d recommend going for capital one first then chase. Capital one is harder to get once you get more cards.
Which route you go is completely up to you! I personally started with the Chase route and am really glad I did. Then again, Cap1 can be harder to get approved for down the line, so starting with them isn't a bad idea either.
CSP as a “workhorse” choice seems odd. The multipliers aren’t…good?
I included an option from each of the main lenders, and while it’s not the best option for someone late game, I think it’s a perfectly good place to start before you consider upgrading to something more premium. It’s always case dependent of course.
Im approaching my end game. Next month i will finish a business sub and go under 5/24. 1 or 2 possibilities in late spring or early summer. So next 5 or 6 months im going to carry core..
Player #2 is doing the freedom flex groceries and gas 12k sub.
But I will have Amex Hilton Surpass. Dinning at Hilton Dinning locations i get a x2 bonus for x8 earning on dinning. Before you down the hilton, high end properties with 5th night free points are worth 1 cent or more and may see how i do with the 15K to earn a FNC.
Have the trifecta and Inks but everyday chase card in the wallet will be the unlimited. The csr and flex will be used with catogory dependent spend.
I will probably have a third card that either fits planned catogory use or i will be alternating to keep it active. I pretty much have small pre scheduled spend on most cards .
So normal day
HILTON Surpass , UNLIMITED, flex/csr.
Let's go Bill! That's awesome that you have such a solid strategy for you and your P2 going forward. You're definitely doing it right! Thank you as always for sharing your thoughts with us. I truly appreciate it!
Just one, USB Smartly 4% everything, no caps. Also, no affiliate links lol.
Referrals are very useful. Also it doesn’t have transfer partners. Also doesn’t have a sign up bonus, which is much higher return on spend than 4%.
For a cashback user, it's a great card as I mentioned! However, it can be easily beaten by most travel cards if you're someone who prefers to earn in those currencies.
25k!!
Yessir!! Super grateful for y'all.
I had this Capital one savor one card last 03/24. It was my 2nd card at the time and didn't know very much about it.
It didn't have any welcome offer/sign up bonus at the time (or I just wasn't paying attention) but I know it doesn't have any SUB. Now they offer life a 0% APR and $250 back on $500 spent within 3 mos.
I was thinking if there's a way I can get that offer? Like close this account and try to apply for a new Capital one Savor just to get the SUB? Anyone here had done it? Any advise is much appreciated!
Unfortunately Capital One will do that frequently where they’ll offer you the card you want but with no welcome offer (Savor Rewards vs. Savor Rewards for Good Credit) and if you don’t read the terms closely you’ll get stuck without one. To get a welcome offer on the same card you’ve already applied for with them, you generally have to wait 48 months, so you wouldn’t be eligible for quite some time. You could always go for different cards in the meantime though!
@@SpencerJohnsonOfficial The pre-approval tool of cap1 keeps declining me and saying "Based on your application information, there is a currently pending or recently processed application with Capital One"
I applied last 10/08/24 for the Venture card, but they declined it but counter-offered with their VentureOne and I mistakenly refused.
I haven't got any new card with them since my Savor one last 03/24. But got some new ones from different banks. the reconsideration line is literally useless.
Thanks for the response!
😊
👑
one card you missed for team cash back is RH gold card. U get 3% cash back that you can invest with a fee of $60 a year for RH gold status
🎉
🥉 Thanks for being here so early!
2025 clickbait titles already coming in 😂
Welcome to TH-cam 🤷🏼♂️
Seems like a video you’ve done before, couldn’t finish.
I haven't, but I appreciate you commenting to share it with folks!
I know it’s about a month until 2025 but cmon Spencer I wish you would’ve named the video 2024 instead because you’re recapping the ultimate credit cards of the year. We don’t know yet what cards will be good or bad next year.
I disagree. It ain’t that deep, chief.
I see where you're coming from! However, the intent behind the video was to show folks how they could get started right now and have a really solid setup for years to come. The information is pertinent no matter what year you watch the video. As always, I'll make updates if and when new cards come out, but I provided optionality intentionally in this one for the information to be relevant no matter when you watch.
Yea I agree with the first guy who cares
not a apple card citing wished this card had more love good vid
The Apple Card isn’t good unless you’re just an Apple lover. It’s an okay 2% card, but it lacks a consistent or good sign up bonus. It doesn’t have a 0% APR period either.
I put it on the summary screen for a catch-all card! Overall it's not a card I recommend a ton just because there are better options out there for the majority of card users, but it serves it's purpose well for those that like Apple!
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My man, thanks for this video. The category approach v. just an absolute/stack ranked tiering system is super helpful.
Would love to get your take on what I’m missing from my current setup:
Workhorse - Amex Gold, CSR
Cleanup - Venture, CFU? (not sure I totally understand this group)
Power - Amex Platinum
Speciality - ¯\_(ツ)_/¯
Wildcard - CFF
I’m not actively looking for a new addition, but I am curious if my current stable checks all the boxes or if I could stand to diversify based on the ecosystems I’ve invested in. Appreciate it!
Of course man! I’m really glad you appreciated the route I took with this one. As for your setup, it looks to me like you have the bulk of everything covered! The only place I’d consider bringing things in would be the Bilt cars if you rent, or a specialty card similar to the Citi Custom Cash to cover you at 5% on any pesky earning categories. Other than that, it could be time to start adding hotel/airline cards that fit your goals or add cards for welcome offers alone if that’s the route you choose to take. I like how your core setup is looking though! Thanks for watching and commenting on this one Sean!
@@SpencerJohnsonOfficial Thank you, brother! Really appreciate this, and all of your videos. Keep it up and super grateful for the reply and the helpful analysis.
2nd
Let's go! 🥈
This was a great video. Probably one of my favs from you. I am a 2-5 (5 is pushing it) cards person and this was great.
Also… Odin ❤️❤️❤️
That’s awesome to hear! I really appreciate you saying that. Odin says hi as well! 😊
Love your channel as a semi newbie to Credit Cards! (Always used one but never used it to its full potential)
Workhorse : Savor or BCE
Cleanup Card: Quicksilver for now (but aiming for the Citi double cash)
Powercard: (not a traveler lol so no need for one, plus I'm all about cash back. Although my Savor or Quicksilver could add to these categories if it's last minute due to the no FTF and 5%/8% back through the cap One portal)
Speciality: Citi custom cash
Wild Card: Discover Student Cashback
Currently working on my SUB for my BCE, bust aside from that after getting the DC by Citi my setup will be done lol
I also love this MaxRewards it is so nice to have everything in one place and that it activates all the offers on my BCE automatically along with the Discover.
I love to see it! That's a really solid cashback centered setup for sure. I'm really glad you like MaxRewards as well! They've served my needs really well over the years.
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Majestic