The 6 Credit Cards You NEED in 2024

แชร์
ฝัง
  • เผยแพร่เมื่อ 14 มิ.ย. 2024
  • These are the BEST credit cards for 2024. The credit cards in this video can earn you hundreds if not thousands of dollars in effective value each year, plus unlock some of the best travel benefits and purchase protections.
    Advertiser Disclosure: Some of the products that appear on this website are from companies from which Joshua Butler will earn an affiliate commission or referral bonus. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
    US Bank Cash+ www.usbank.com/credit-cards/c...
    Capital One Venture X joshuabutler.cards/Cap1-VX
    Redstone FCU Visa Signature www.redfcu.org/personal/credi...
    Bilt Mastercard® joshuabutler.cards/Bilt
    Use the card 5 times each statement period to earn points
    Terms: www.wellsfargo.com/credit-car...
    Citi Custom Cash www.citi.com/credit-cards/cit...
    US Bank Altitude Reserve www.usbank.com/credit-cards/a...
    🌟 Links: joshuabutler.me
    EXTRA Cash Back & Rewards From Shopping Online (I use all three)
    🫰 Rakuten: joshuabutler.cards/Rakuten
    🤑 Honey: joshuabutler.cards/Honey
    💰 Capital One Shopping: joshuabutler.cards/Cap1-Shopping
    Personal Finance Books
    📚 Getting into the asset vs liability mindset: amzn.to/3vk1wTq
    📚 Solid well-rounded personal finance info: amzn.to/3ODDgDv
    📚 No, buying that coffee won't make you broke: amzn.to/3Kl5yPK
    BUDGET!!!
    📃 YNAB (You Need A Budget)
    joshuabutler.cards/YNAB
    💳 Credit Card Binder: amzn.to/3IUo70i
    Studio Gear
    📷 Workhorse camera with fantastic 4k autofocus: amzn.to/40VOCcI
    🔎 My favorite lens: amzn.to/47mBHD2
    🎤 Best bang for your buck microphone: amzn.to/3utduMM
    🔦 Amazing key light: amzn.to/3wKsHZ0
    ☂️ This makes the lighting realllly soft: amzn.to/3tVgajD
    Studio Decor
    🪴Ceramic wall planter cup things: amzn.to/3jahTP2
    🪴 Metal hexagon wall planter: amzn.to/3W3MlZG
    💡Hexagon Light (black covers not included): amzn.to/47mC6p2
    💡Bookshelf lights: amzn.to/3hvJ3PP
    🙋‍♂️ Come say hi on Instagram @joshcbutler
    💖 Thanks for the support!
    - Joshua Butler
    ☕ Buy me a coffee: www.buymeacoffee.com/joshuabu...
    #creditcards #creditcard #bestcreditcards
    Chapters:
    0:00 Multiple 5% categories
    2:03 The cheapest way to get lounge access
    6:12 The most overpowered card of 2023?
    8:43 The card with the best transfer partners
    11:00 The most versatile 5% back card
    12:27 Arguably the ONLY card you need
    Joshua Butler is not a financial advisor. This video is for entertainment and education purposes only. It is not financial advice.

ความคิดเห็น • 104

  • @joshua.butler
    @joshua.butler  6 หลายเดือนก่อน +5

    If you had to pick only one, what would YOUR favorite card be for 2023???

    • @Leoprieto74
      @Leoprieto74 6 หลายเดือนก่อน +1

      If I can pick just one? …. The beautiful Amex Platinum,…. And 2nd choice will be the Chase Sapphire Reserve.

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      @@Leoprieto74 I like it! I'm thinking of picking up the Platinum at some point in 2024.

    • @drewbny78
      @drewbny78 5 หลายเดือนก่อน

      bilt no af and great multipliers and transferrable points

    • @mikejames7684
      @mikejames7684 2 หลายเดือนก่อน

      The red stone card is insane. I think I have too many hard inquiries to apply though.🎉

    • @joshua.butler
      @joshua.butler  2 หลายเดือนก่อน +1

      @mikejames7684 yeah it has some incredible multipliers 🔥🔥🔥

  • @TheCreditFrog
    @TheCreditFrog 6 หลายเดือนก่อน +21

    Great video, Josh! As you know, I LOVE my (somewhat) new USB AR card. It's been such a seamless integration into my life, and redeeming the rewards using RTR is super easy! Great to know about the Redstone FCU card! A potent sleeper card for sure!

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      Thanks Stan! I'm glad you're liking the USBAR.. I gotta figure out my credit card roadmap for next year and see if it's a card I want to get. And yeah, Redstone is looking pretty lucrative... I'd definitely be picking it up if I didn't have other cards that satisfy those categories.

  • @derrickmatthews4682
    @derrickmatthews4682 4 หลายเดือนก่อน

    Great video. I appreciate you breaking down how to get the value. I'm not sure if many can meet those last few examples tho haha but 4.5c return is amazing

  • @MontyTheCardNerd
    @MontyTheCardNerd 6 หลายเดือนก่อน +2

    Awesome overview of some great cards! First time learning about the Redstone Federal Credit Union card, it's now firmly on my radar. Also shoutout to the person who chimes in every now and then for "her" insightful questions.

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      Thanks so much! Hahaha that would be Jossica 👀👀👀

  • @MattWelterOfficial
    @MattWelterOfficial 6 หลายเดือนก่อน +2

    Love the video Josh! I'm personally hoping to add the Venture X this year and love the simplicity with how easy it is to get Value>Fee. The U.S Bank Altitude Reserve is also soooo underrated so love the coverage on that one as well.

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      Thanks Matt. VX is definitely easy to justify. I wish you luck on the application! 😍🤞

  • @KevinYang
    @KevinYang 6 หลายเดือนก่อน +3

    Maybe it's time to dive into the US Bank cards myself! The Bilt is actually amazing for living in a HCOL city.. too bad they don't have major welcome bonuses! Also the tiny typo at 6:28 🙂 Awesome video as always Josh!

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน +1

      Yeah that’s definitely where Bilt shines!
      Ugh, dude, I can watch my video over and over again to try and fix the issues and there will STILL be something jacked up. 🤣 Thanks Kevin, I appreciate you

    • @KevinYang
      @KevinYang 6 หลายเดือนก่อน

      @@joshua.butler Extra engagement from people commenting on that 😉

  • @TheZombaslaya
    @TheZombaslaya 6 หลายเดือนก่อน +2

    Venture X! Though that altitude reserve is tempting...

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      Yeah it really is tempting… I may consider picking it up next year!

  • @arjundabra1570
    @arjundabra1570 4 หลายเดือนก่อน +1

    Can you share your thought on this ?
    If we assume each amex / chase / capital one point is worth 2cpp then it would make sense to use flat 2% back card compared to USB AR 4.5%
    Flat 2% like amex business plus or venture x
    I do agree USB AR is great for cashback
    Thanks for the video!

  • @fazeranchdressing9896
    @fazeranchdressing9896 6 หลายเดือนก่อน +1

    Fire video bro

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      Thanks so much 🤩

  • @Ritchie_The_CEO
    @Ritchie_The_CEO 6 หลายเดือนก่อน +1

    Wow! That Redstone card is crazy. 😳

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน +1

      I'd scoop that thing up in a heartbeat if I didn't already have cards that got me 4-5% in those categories.

  • @mezcxl
    @mezcxl 5 หลายเดือนก่อน +3

    Currently rocking with the Amex trifecta and I gotta say the Amex gold gets used and abused month after month. I get so much value from it so that’d have to be my top pick.

    • @joshua.butler
      @joshua.butler  5 หลายเดือนก่อน

      The Amex Gold really shines when it gets some heavy use 🤑

  • @sfiedler015f
    @sfiedler015f 6 หลายเดือนก่อน +3

    Alice loves it!

  • @CallMeLani
    @CallMeLani 6 หลายเดือนก่อน +1

    Its gotta be the Amex Gold card for me. Although the BILT Card has been a pleasant surprise in how easy it is to get points which I can double up with my Chase cards. The other cards you mentioned don't work for my setup, but Good video and great explanation of the various options

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      Gold is great for those who can make good use out of it! I agree Bilt has been nice…hopefully they can keep up the momentum 🤑 thanks Lani!

  • @AnthonyVenture
    @AnthonyVenture 6 หลายเดือนก่อน +1

    6:38 Something looked so trippy about this I don’t know why 😂😂😂
    Lenny heading out to the Maldives, let’s go!
    HOUH? Redstone HOUH?
    Josh, you’re the king of Credit Union cards wow!!

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน +1

      It was just Jossica bothering my while I record my video 😋
      🩴😸🏖️
      Dude that Redstone card is sick...
      🥰🥰🥰

  • @richsamuel2922
    @richsamuel2922 6 หลายเดือนก่อน +1

    I like the CSR.

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      CSR is good. The nice thing about it is the travel protections are among the best available.

  • @mikegoodwin2386
    @mikegoodwin2386 6 หลายเดือนก่อน +1

    Citi Custom Cash is my gas stations card when Chase Freedom Flex and Discover it Cash Back don't have gas stations as one of their 5% categories that quarter. When they do, I use the Custom Cash for something else that's not being covered, like groceries.

  • @H_Kim
    @H_Kim 6 หลายเดือนก่อน +3

    Redstone is indeed a hidden gem!

  • @paulnguyen5609
    @paulnguyen5609 6 หลายเดือนก่อน +1

    Nice!

  • @ClaritySZN
    @ClaritySZN 6 หลายเดือนก่อน +1

    Josh, can you make a video telling us what cards are best for the first credit card you get? Im 23 looking for my first credit card. Thanks

  • @hoopiebird
    @hoopiebird 6 หลายเดือนก่อน +2

    Gave a like for the cat.

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน +1

      Lenny says thank you!!! 😻

  • @axelgonzalez9687
    @axelgonzalez9687 6 หลายเดือนก่อน +2

    The capital savor one is op

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      Yeah it’s pretty sweet!

  • @ridleyjoseph7337
    @ridleyjoseph7337 6 หลายเดือนก่อน +1

    You Flying out of Newark means you from Jersey me too. Born and raised !! 💪🏾💪🏾

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      Hell yeah dude, same here! Been here my entire life.

    • @get2dachoppa249
      @get2dachoppa249 6 หลายเดือนก่อน

      Not always. I’m from the NYC, but I fly United out of geographical necessity because of all the overseas locations in Asia/Pacific Islands I have to get to, so it’s to Newark I go vs the far more convenient JFK. At least I’m good status and the Polaris Club makes the trip to Newark less painful.

  • @anjoguerreira
    @anjoguerreira 6 หลายเดือนก่อน +1

    What about best prepaid debit card from kids and students use atm?

  • @hanchardjo
    @hanchardjo 6 หลายเดือนก่อน +1

    Redstone visa do you know what count as discount store ???

  • @412foto
    @412foto 6 หลายเดือนก่อน +1

    fun fact about the Bilt many also don't know...electric and gas bills can be paid via ACN just like paying your rent...thereby not hitting your credit limit, avoiding any sort of credit card processing fee with those utilities that also many times don't accept credit cards, and earning the 1%. Obviously not a lot but better than 0!

    • @majiklantrn
      @majiklantrn 6 หลายเดือนก่อน

      I also pay my HOA's and cell bill. Anyway to get points.

  • @silasdee7865
    @silasdee7865 6 หลายเดือนก่อน +1

    Citi Custom Cash is great to be used for gas station only!

  • @mrduckman225
    @mrduckman225 6 หลายเดือนก่อน +2

    Bro great video but can you please take the knock out. I'm doing chores while watching this and checked my front door 3x before I realized it was the video lol

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      LOL. Thanks, and yeah I’ll take it easy on that 🤪

  • @terrelmoss1444
    @terrelmoss1444 6 หลายเดือนก่อน +4

    Video Suggestions
    -Best Credit Union Cards
    -Best No Annual Fee Business Cards
    -Best Card 6% Cash back Cards
    -Best Card 5% Cash back Cards
    -Best Card for Each Spending Category
    -Product Change Rules from Each Issuer
    -Best Credit Cards for Taxes
    -Best Cards for Insurance

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      Love it, thanks!

  • @H_Kim
    @H_Kim 6 หลายเดือนก่อน +1

    I wanted to have some relationship with USbank, but it seemed they don't accept new banking customer living in PA.

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      Wow. Did you try opening their checking account? 🤔

    • @H_Kim
      @H_Kim 6 หลายเดือนก่อน

      ​@@joshua.butler yes, and my application ended up with some error. I am wondering if they will be accepting my future application for AR

  • @insidethebnb
    @insidethebnb 6 หลายเดือนก่อน +2

    The places I patronize, which isn't many to begin with, don't accept mobile wallet pay on the USB AR! DAMN YOU, Walmart, Home Depot!

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      I’ve noticed that at Home Depot too…what’s their deal? 🤔

  • @frankbradford9616
    @frankbradford9616 6 หลายเดือนก่อน +1

    what happens if you do not modify your selections for the upcoming quarter? will it stick with your previous selections or will all your purchases drop down to the 1% cash back level?

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน +1

      For the Cash+, you need to select your categories each quarter or you only earn 1%. They let you select the quarters categories well in advance.

    • @frankbradford9616
      @frankbradford9616 6 หลายเดือนก่อน

      @@joshua.butler thank you. Super quick reply. Great video.

  • @Channel-io5ni
    @Channel-io5ni 3 หลายเดือนก่อน

    If you have the Costco Executive membership, which gives you 2% cashback), and then you pay with the Citi card, you effectively get 4% cashback at Costco. So, it might beat out this redstone card if you don’t shop at other warehouses

    • @joshua.butler
      @joshua.butler  3 หลายเดือนก่อน +1

      The nice thing here is you can pair that 2% cash back from the executive membership with the card of your choosing.

  • @suncat9
    @suncat9 5 หลายเดือนก่อน +1

    Although the Costco Visa gets 4% cash back on gas rather than 5%, the gas at Costco is MUCH less expensive to begin with compared to the vast majority of gas stations. Therefore, the Costco Visa is by far the best card to buy gas with (provided you have a Costco membership and buy the gas at Costco).

    • @joshua.butler
      @joshua.butler  5 หลายเดือนก่อน

      Yeah, I agree that Costco gas is the way to go. However, you can use other credit cards to purchase Costco gas as long it’s a Visa.

  • @abandonedfilms4656
    @abandonedfilms4656 6 หลายเดือนก่อน +1

    If anyone here can answer but is it worth credit freezing or paying a monthly subscription to a credit company to get more in dept into your own credit and able to lock it so if say u want to see if u get approved or not it won't affect it with a hard inquiry? I don't currently pay to see anything extra on the main credit companies or have access to freezes or locks.

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      Credit freezing is completely free. If you create an account on experian.com, equifax.com and transunion.com, you'll be able to freeze and unfreeze your credit through those individual reporting agencies. Once you get your accounts set up, freezing and unfreezing are immediate. You can also pull your credit reports from all 3 reporting agencies from annualcreditreport.com

  • @dc5duben96
    @dc5duben96 4 หลายเดือนก่อน

    target is considered warehouse or grocery?

    • @joshua.butler
      @joshua.butler  4 หลายเดือนก่อน

      Neither. Target is generally considered a discount store or something of the like. I personally use the Target Red Card debit card for Target purchases.

  • @brenley
    @brenley 6 หลายเดือนก่อน +3

    we need more Lenny content. what's in his wallet? is he in pop-up jail? we must know. great video Josh, as always!!! :D

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน +2

      He actually has a better credit score than 73% of Americans! I’ll be sure to get him more on screen time, although he DOES charge a pretty penny for his cameos. 😻

  • @545group
    @545group 6 หลายเดือนก่อน +1

    It’s surprising that the Redstone card hasn’t gained more popularity. Its like a well kept secret 🤫

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      I know right??? 👀

  • @anhnguyenhong8770
    @anhnguyenhong8770 6 หลายเดือนก่อน +1

    Ngay bay gio. Dont challenge me anymore.

  • @crystalcokeley9041
    @crystalcokeley9041 6 หลายเดือนก่อน +1

  • @johnwick860
    @johnwick860 6 หลายเดือนก่อน +1

    $0 AF card that transfers to Hyatt & AA? Bilt is the rookie of year while Venture X is the MVP

  • @lilcraftkid
    @lilcraftkid หลายเดือนก่อน

    Redstone card looks cool but it's 2 points per cent.. it's 2.5% on gas and food.

    • @joshua.butler
      @joshua.butler  หลายเดือนก่อน +1

      Yeah, it is 2 points per cent, but you earn 10 points per dollar spent on gas & restaurants. The cash back percentage they advertise is accurate.

    • @lilcraftkid
      @lilcraftkid หลายเดือนก่อน

      Ohh! 😳

    • @joshua.butler
      @joshua.butler  หลายเดือนก่อน

      I don't know why they have to make it so confusing lol

  • @ItsMeCJ
    @ItsMeCJ 6 หลายเดือนก่อน +4

    I’m first 👀

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      I can’t find the 4th place medal in my emojis so I’ll just leave this: 💩

    • @AnthonyVenture
      @AnthonyVenture 6 หลายเดือนก่อน

      @@joshua.butlerI can’t believe you guys aren’t friends anymore.

    • @joshua.butler
      @joshua.butler  6 หลายเดือนก่อน

      @@AnthonyVenture 🤷‍♀