Thank you for your time. Just got two cards; Capital One Venture and WF Journey. I'll go with the Venture. What you didn't mention (but may not have been available 6 months ago) is the Venture One, they give you an automatic $250 off your first travel booking (plus the $75k), and they give you $100 off for TSA Pre-Check. I've checked their portal and the pricing is the same outside the portal, I wanted to make sure. Thanks again.
I think the BOA premium rewards card is a strong A if you are Platinum Honors customer. The multipliers become 3.5 for travel, transit and dining, 2.625 for everything else with no FTF. If you get global entry 20 bucks a year plus the credit 100, you get $25 of positive value each year. Easy keeper card. It is just missing Primary CDW....
I think as the year goes along, the Journey moves to A and the CSP moved to B if it gets the same partners as the Bilt card. The Premier should be a C level card for not having any kind of protections whatsoever...just my $0.02. Good stuff Calby.
I could see that; especially if they can snag Hyatt & American Airlines. Maybe even an A+ if that does happen. Which would in turn lower the CSP's value proposition. Ohhhhhhh are you serious?! I never took too good of a look at the Citi Premier tbh, I've just been watching some videos here on TH-cam, but I've never noticed they didn't have many protections. I think at this point I just assume most travel cards have the standard travel protections. I guess I shouldn't just assume that, haha. Thanks Jon!
Big glaring absence- Bilt Rewards- should be S-Tier with 0 annual fee, points from rent, top tier transfer partners incl. AA, United and Hyatt, rent day double points and transfer bonuses, loyalty program... and more!
Oh for sure; personally I actually don't much prefer mid-tier travel credit cards. I see more benefits from getting a premium travel credit card or a no annual fee travel credit card; as you don't need to "make spend" to make up for the annual fee. However in this tier list I wanted to compare cards that were really similar to the Wells Fargo Autograph Journey card, with an annual fee about $100, and that's why I didn't include the Bilt card in this video.
Can you do a ranked tier list of all credit card transfer partners? You can group by credit card lender, or do a ranking of all airline programs and all hotel programs
Ohhh interesting idea; I'll definitely have to think about how I want to structure that video. Was there anything you specifically wanted to know about them?
I think there are several aspects of a transfer partner to consider. 1.) Value of currency in CPP 2.) Ease of earning the currency, either through flights/stays/shopping, buying points, or transferring 3.) award availability 4.) cancellation and change policy 5.) expiration policy and customer service.
Definitely an interesting change; fewer benefits, more caps, and devalued points. However no annual fee; so there isn't a risk! It'll be even cooler if they kept the 4 priority pass accesses and the TSA PreCheck/Global Entry credit. Now that would be game-changing!
Still gonna be in existence & also get access to transfer travel partners; I believe. You can upgrade to the journey card, but might as well snag a welcome bonus, I say.
@@MattClausen Autograph for streaming, phone plans, and gas. Journey for hotels, airlines, and travel expenses. Active cash for everything else. Both journey and autograph can both handle food. Not a bad trifecta
I see your point, but the CSP has slightly better travel protections, which is the reason to get these cards, and even though the multipliers are less if you can easily redeem and transfer the points to be worth more; then technically I see the multipliers being higher. I've never redeemed my UR points, for Hyatt, less than two cents per point; and many times I've been able to do redemptions of four cent per point without thinking about it. So yes the Chase Sapphire Preferred only earns 2x for travel, it could be 4%-8% back. However now that Wells Fargo has partners you can transfer the points out; and their points can be worth more, but all of the airline partners they have are international which means two things; usually requires more points and to book business class to see the true cent per point value. Then with alliance booking for domestic flights they tend to be very limited. So that's why I valued the Chase Sapphire Preferred slightly more. But I do agree with you that the Sapphire Preferred needs a refresh.
@@CalbyNg that’s true I’m actually about to get the CSP to churn it for a year but next year I’m hoping to get the US Bank Altitude Reserve as my keeper/main card
Hopefully they'll add it later in the year, because Bilt works with Hyatt and Bilt is ran through Wells Fargo, so it seems like a pretty easy thing to do, but you never know with these things 🤷
@@Jiggy609 Chase INK Cash to get Visa and MC no fee gift cards at office supply stores = 5x on everything. Plus the UR points transfer to Hyatt (@$.02+per point is >10% return on spend)
@@CalbyNg your the man Calby, don’t have any WF cards but reading the press release it says the autograph and autograph journey will have transfer partners but they don’t mention the active cash card, doesn’t the active cash card also earn points to redeem for cash back?
@@DaIton- Oh interesting, I'm also not entirely sure. I assumed it earned 2% cash back rather than 2x points; therefore, shouldn't count as a card with transfer partner access. However it could be the same situation as the Chase Freedom Unlimited and Flex.
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First BABY 📌 Did you really compare the Journey to EVERY card in existence?? 😂😂😂 WILD!
Not all (yet). Close! 🤣
Go away, I’m first!!
@@ItsMeCJ Come on CJ! Why weren't you awake at 12AM? Haha
Thank you for your time. Just got two cards; Capital One Venture and WF Journey. I'll go with the Venture. What you didn't mention (but may not have been available 6 months ago) is the Venture One, they give you an automatic $250 off your first travel booking (plus the $75k), and they give you $100 off for TSA Pre-Check. I've checked their portal and the pricing is the same outside the portal, I wanted to make sure. Thanks again.
I think the BOA premium rewards card is a strong A if you are Platinum Honors customer. The multipliers become 3.5 for travel, transit and dining, 2.625 for everything else with no FTF. If you get global entry 20 bucks a year plus the credit 100, you get $25 of positive value each year. Easy keeper card. It is just missing Primary CDW....
Oh for sure; prbly one of the easiest choices if you're a platinum honors customer.
I think as the year goes along, the Journey moves to A and the CSP moved to B if it gets the same partners as the Bilt card. The Premier should be a C level card for not having any kind of protections whatsoever...just my $0.02. Good stuff Calby.
I could see that; especially if they can snag Hyatt & American Airlines. Maybe even an A+ if that does happen. Which would in turn lower the CSP's value proposition.
Ohhhhhhh are you serious?! I never took too good of a look at the Citi Premier tbh, I've just been watching some videos here on TH-cam, but I've never noticed they didn't have many protections. I think at this point I just assume most travel cards have the standard travel protections. I guess I shouldn't just assume that, haha.
Thanks Jon!
All good Calby. Yeah Citi stripped the Premier protections a few years ago.
@@JonsCreditAndTravel That's insanity!
@@CalbyNgHyatt and AA will never happen on this card
@@yurig2530 Most likely not, haha. A little bit disappointing what they released with.
I’m here to claim first! Tell Anthony Venture to go away 😂😂😂
I’m here babyyy!! 📌
@@AnthonyVenture SeeJay told me to tell you to go away
Interesting and fun video to watch Calby! CSP is B tier at best IMO, Autograph and the Green A tier IMO. Keep up the great work Calby!👍
Ah I can see that ranking. Thanks as always Cesar!
Big glaring absence- Bilt Rewards- should be S-Tier with 0 annual fee, points from rent, top tier transfer partners incl. AA, United and Hyatt, rent day double points and transfer bonuses, loyalty program... and more!
Oh for sure; personally I actually don't much prefer mid-tier travel credit cards. I see more benefits from getting a premium travel credit card or a no annual fee travel credit card; as you don't need to "make spend" to make up for the annual fee. However in this tier list I wanted to compare cards that were really similar to the Wells Fargo Autograph Journey card, with an annual fee about $100, and that's why I didn't include the Bilt card in this video.
I see makes sense
Can you do a ranked tier list of all credit card transfer partners? You can group by credit card lender, or do a ranking of all airline programs and all hotel programs
Ohhh interesting idea; I'll definitely have to think about how I want to structure that video. Was there anything you specifically wanted to know about them?
I think there are several aspects of a transfer partner to consider. 1.) Value of currency in CPP 2.) Ease of earning the currency, either through flights/stays/shopping, buying points, or transferring 3.) award availability 4.) cancellation and change policy 5.) expiration policy and customer service.
@@colinshi8247 All good points! Thanks for the idea!! I have it written in my ideas journal. Again I appreciate it!
Now that the Altitude Connect card is eliminating the $95 AF, it's an S tier travel card.
Definitely an interesting change; fewer benefits, more caps, and devalued points. However no annual fee; so there isn't a risk! It'll be even cooler if they kept the 4 priority pass accesses and the TSA PreCheck/Global Entry credit. Now that would be game-changing!
@@CalbyNg It's a bonafide game changer now. They are keeping the Global entry credit and the 4 free PP lounge passes.
@@ExtraGuac007 No way! It would be the easiest card to recommend to people not into the credit card game!!
Not everyone likes or wants portals. I prefer to book direct with airlines and hotels since portal prices are most of the time higher.
For sure the way to go; especially if anything bad happens. Like cancellations or delays.
What’s going to happen to the regular autograph card?
Still gonna be in existence & also get access to transfer travel partners; I believe. You can upgrade to the journey card, but might as well snag a welcome bonus, I say.
Build a trifecta. Will be the Gas, Transit and Travel card
@@MattClausen Autograph for streaming, phone plans, and gas. Journey for hotels, airlines, and travel expenses. Active cash for everything else. Both journey and autograph can both handle food. Not a bad trifecta
@@anbujerry4907 nope. If only grocery…or Mobile Wallet
@@anbujerry4907Can the Active Cash’s 2% on everything be converted to points?
US Bank Altitusde Connect got Nerfed and no longer has a Annual Fee.
Oh? Where did you see that? I was looking directly on the official website
Oh wow, just my luck; changes in coming September 9, 2024.
So the journey has more pro over the sapphire, but you still put it in B and the sapphire in A?and as for multipliers, the sapphire gets an E
CSP multipliers are so bad lmao
@Jiggy609 i know 🤣,and they keep saying it has transfer partners, as if that matters when you can't accumulate points to transfer 🤣
I see your point, but the CSP has slightly better travel protections, which is the reason to get these cards, and even though the multipliers are less if you can easily redeem and transfer the points to be worth more; then technically I see the multipliers being higher. I've never redeemed my UR points, for Hyatt, less than two cents per point; and many times I've been able to do redemptions of four cent per point without thinking about it. So yes the Chase Sapphire Preferred only earns 2x for travel, it could be 4%-8% back.
However now that Wells Fargo has partners you can transfer the points out; and their points can be worth more, but all of the airline partners they have are international which means two things; usually requires more points and to book business class to see the true cent per point value. Then with alliance booking for domestic flights they tend to be very limited. So that's why I valued the Chase Sapphire Preferred slightly more. But I do agree with you that the Sapphire Preferred needs a refresh.
@@Jiggy609 Ha! I agree with that 👍
@@CalbyNg that’s true I’m actually about to get the CSP to churn it for a year but next year I’m hoping to get the US Bank Altitude Reserve as my keeper/main card
Without Hyatt as a transfer partner, this card is a no go for me and my current Autograph stays in the the sock drawer.
What earns more than the OG Autograph? Please don’t say Chase
Hopefully they'll add it later in the year, because Bilt works with Hyatt and Bilt is ran through Wells Fargo, so it seems like a pretty easy thing to do, but you never know with these things 🤷
@@Jiggy609 Chase INK Cash to get Visa and MC no fee gift cards at office supply stores = 5x on everything. Plus the UR points transfer to Hyatt (@$.02+per point is >10% return on spend)
@@Jiggy609 Haha, for sure Chase can work on their multipliers.
$50 off a hotel is not the same thing as a $50 free night certificate
Not the Motel 😂
Haha, I can't go back!!
Yep
👍
Second 🎉
Woot! 🥈
@@CalbyNg your the man Calby, don’t have any WF cards but reading the press release it says the autograph and autograph journey will have transfer partners but they don’t mention the active cash card, doesn’t the active cash card also earn points to redeem for cash back?
@@DaIton- Oh interesting, I'm also not entirely sure. I assumed it earned 2% cash back rather than 2x points; therefore, shouldn't count as a card with transfer partner access. However it could be the same situation as the Chase Freedom Unlimited and Flex.
Why do you have so many books? Are you a bookworm?
Haha! Who Can say? 🤓