The 6 Credit Cards You NEED in 2024
ฝัง
- เผยแพร่เมื่อ 20 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...
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#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.
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If you had to pick only one, what would YOUR favorite card be for 2023???
If I can pick just one? …. The beautiful Amex Platinum,…. And 2nd choice will be the Chase Sapphire Reserve.
@@Leoprieto74 I like it! I'm thinking of picking up the Platinum at some point in 2024.
bilt no af and great multipliers and transferrable points
The red stone card is insane. I think I have too many hard inquiries to apply though.🎉
@mikejames7684 yeah it has some incredible multipliers 🔥🔥🔥
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!
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.
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.
Thanks so much! Hahaha that would be Jossica 👀👀👀
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.
Thanks Matt. VX is definitely easy to justify. I wish you luck on the application! 😍🤞
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
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!
Venture X! Though that altitude reserve is tempting...
Yeah it really is tempting… I may consider picking it up next year!
Fire video bro
Thanks so much 🤩
Wow! That Redstone card is crazy. 😳
I'd scoop that thing up in a heartbeat if I didn't already have cards that got me 4-5% in those categories.
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
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!
Nice!
🥰
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!
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
@@joshua.butler Extra engagement from people commenting on that 😉
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.
The Amex Gold really shines when it gets some heavy use 🤑
Alice loves it!
👼
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!!
It was just Jossica bothering my while I record my video 😋
🩴😸🏖️
Dude that Redstone card is sick...
🥰🥰🥰
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.
Nice plan!
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
Absolutely!
I like the CSR.
CSR is good. The nice thing about it is the travel protections are among the best available.
Redstone is indeed a hidden gem!
Sooo good!
Gave a like for the cat.
Lenny says thank you!!! 😻
What about best prepaid debit card from kids and students use atm?
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!
I also pay my HOA's and cell bill. Anyway to get points.
The capital savor one is op
Yeah it’s pretty sweet!
Redstone visa do you know what count as discount store ???
You Flying out of Newark means you from Jersey me too. Born and raised !! 💪🏾💪🏾
Hell yeah dude, same here! Been here my entire life.
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.
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?
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.
@@joshua.butler thank you. Super quick reply. Great video.
Citi Custom Cash is great to be used for gas station only!
Absolutely!
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.
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
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
LOL. Thanks, and yeah I’ll take it easy on that 🤪
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Love it, thanks!
I wanted to have some relationship with USbank, but it seemed they don't accept new banking customer living in PA.
Wow. Did you try opening their checking account? 🤔
@@joshua.butler yes, and my application ended up with some error. I am wondering if they will be accepting my future application for AR
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
The nice thing here is you can pair that 2% cash back from the executive membership with the card of your choosing.
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).
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.
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!
I’ve noticed that at Home Depot too…what’s their deal? 🤔
target is considered warehouse or grocery?
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.
It’s surprising that the Redstone card hasn’t gained more popularity. Its like a well kept secret 🤫
I know right??? 👀
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
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. 😻
Ngay bay gio. Dont challenge me anymore.
❤
😍
$0 AF card that transfers to Hyatt & AA? Bilt is the rookie of year while Venture X is the MVP
🤑 accurate!
I’m first 👀
I can’t find the 4th place medal in my emojis so I’ll just leave this: 💩
@@joshua.butlerI can’t believe you guys aren’t friends anymore.
@@AnthonyVenture 🤷♀
Redstone card looks cool but it's 2 points per cent.. it's 2.5% on gas and food.
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.
Ohh! 😳
I don't know why they have to make it so confusing lol