Blue Cash is an excellent card. Recently replaced my washer dryer and bought them online at Home Depot and got some solid cash back. Great catch all for random online purchases. No annual fee so seems like a no brainer.
@@GreenDriveIndiaIt's Amex. Some of the highest rates.. I got an Amex everyday card thru my credit union 14.25%.. Traveling internationally, lots of places don't accept Amex.
The Discover IT card is my easy go to. They took me in at my worst and treated me fantastic. Have the American Express Platinum and chase also. But I’ll always be a discover fan boy😂
Exactly, he also forgot to mention Chase Freedom Flex. I collect all the 5% cashback cards. Citi Custom Cash x2 or x3, US Bank Cash+, Freedom Flex, Discover It Cashback, Chase Ink Business Cash, Citi Shop Your Way, etc..
Bilt card is great. Ease of use is A+ and it's just a truly different credit card. Glad I checked it out and applied. Completely agree on the S tier ranking thus far
Awesome! I was wondering about this strategy and whether it'll work or not. Thank you for the confirmation! Do you know if it covers the same for online wholesale clubs such as BJ's?
I might try for the Amazon card. Whole Foods is expensive and Amazon has everything so that’s a very underrated card. I would’ve liked to see the PayPal card on the list also
Amazon card is awesome. The wife and I buy most things off of amazon so getting 5% back is a no brainer. Every year I rack up around $500-$1000 in cash back and use it to buy Christmas presents and other things.
The delta cards (specifically the reserve and platinum) can get you round trip companion certificates too which could be useful to outweigh the annual fee
Another things that most people dont think about when using an AMEX is there isnt a minimum monthly payment that shows on a credit report. I work as a loan originator and when an amex card is on a liability report there isnt a minimum payment. In that case we go with 5% of the total balance. So if you are looking to buy a home using an Amex card isnt ideal is you have a balance.
Thanks again John for a good swath of info. I'd love to see some in-depth airline-specific setups for people who live near airline hubs/have travel through work/etc... what CC's make the most sene for people who will most likely travel with X airline (domestic/international... can include the big alliances too).
Hey John! Solid breakdown of information as per usual. In a future video, could you please go over the best credit cards to go for if you are in the military or are about to join. There are multiple stipulations of the Servicemember's Civil Relief Act (SCRA) that many folks might not be aware of. For example, since I am stationed in Ohio, I benefit from Ohio's SCRA which retroactively affects all closed, current, and future loans. Which begs the question, since I have no annual fee due to the SCRA, should I just go crazy and get the most expensive annual fee cards with the most benefits and SUBs?
Even though I am not John, you can take advantage of those higher tier sign up bonuses, and the benefits each one offers. Possibly leaving you with thousands of dollars in cash back or worth of points.
@@Shawarmaman123 Yeah, that's what I'm currently doing. Recently got both the Amex Plat and Amex Bonvoy Brilliant that I'm trying to get SUBs for. Just wanted to see if John knew of other ways for us military folks to benefit from the SCRA as well as to inform those Servicemembers who may not be aware of their benefits!
I've been wondering this too. I hear so many people talking about it because of rent, but I can't pay my mortgage with it. Id be curious to see it ranked without the rent piece being taken into consideration.
But the delta platinum has free companion ticket every year that is why still worth it. If you are couple traveling together every year domestically(Hawaii , NYC etc) you can easily get 2 tickets for the price of 1. Plus you get free check in luggage & upgrade.
Heya! Im new to your channel, and I've been watching some videos, but I'm really curious if you could explain something to beginners , like, how to apply to CC and how often, I've read a bit about hard pull inquiries and how you should apply to more than one in less than 30 days, but I'm not sure on that...
I wouldn't rate Venture X that high, since they replaced $300 portal credit with $300 portal discount. This is a definitely much worse, since their portal is a POJ. Bilt card is good, but not that good. I don't have rent, so 3x for dining is not that interesting. Amex Bus Plat? I dunno, I had it, but after couponisation and raising the AF it became not that good and I cancelled. I would say that S tier for me are: USB AR, Hilton Aspire, Citi Prestige, Citi Custom Cash (multiples), Freedom Flex (multiples), Ink Cash and Sears. Those cards I use the most.
I cant wait to own some best credit cards out there in near future.. just working my behind off for my poor mistakes ive made in the past, (various collections and poor credit). Ugh, it sure is a journey but I know I will clean up my finanical mess and gradually be successful with my credit/money journey.
How did you slay amex platinum like that? B class? That's crazy! And did you have a bad experience with Delta? I get your point about devaluation of points but they are a quality airline. Plus if you use amex platinum you can stack delta and amex points at the same time on the same flights you purchase
Delta Platinum has given me great value including a path to platinum status and a few companion ticket the past few years. With just the companion ticket, I have average $250 value each year left after the annual fee. Further, Delta miles aren't the best but I'm happy with my RT LAX-London next year in Delta One for about 160k miles. Also, since I am a traveler, the platinum AMEX is a no-brainer top tier since I am usually a Delta flyer, even work the 5 visits/yr next year.
Agree with you Scott. I just downgraded my Delta Reserve to Delta platinum to maintain the companion ticket for $250/year with the skymiles changes for 2025. Based in Atlanta, I dont really have any other reliable airline options with the amount I travel. Opted to add the Schwab Amex platinum as my daily card.
I just wanted to thank you for suggesting Bilt. Going to save so much money not paying a transaction fee. There is a convenience fee, but $2.95 is so much cheaper than 3.1% of the rent.
Happy to help!! You can also use the account number and routing from Bilt or have them cut a check, that might help get around the convenience fee! Best of luck!
Hey, for starters thanks for the info, as always, amazing information you are sharing! For the chase cards, my main goal is to get the chase preferred, i already have 1 freedom flex, should i get the freedom unlimited too or wait for the preferred to have a higher sign in bonus ? Thanks again!
Bilt card only good if you have rent, I would downgrade that to A or B tier. Ritz is definitely S+ tier; best PP membership, access Sapphire lounges, best travel insurance, and if you use the 85k cert the card is practically free or has positive return value that gives you so many benefits. It should be alone on S+ tier.
Apple Card at D to me is low. I feel like it’s a solid C just because it lets you get apple products broken up into 12 month no interest payments pretty easily. That’s all I’d use it for.
Sapphire Reserve is still A tier. Broad $300 travel credit not tied to a portal, Global Entry, lounge access, car rental status, trip insurance, Pay Yourself Back at 1.5x multiplier makes this card worth the $250 annual fee after the travel credit.
Everyone has their own opinion on which credit card is the best but I choose credit cards by my spending categories in which I achieved the most bonus Rewards
Great knowledge an info... I mainly use my Amex thru my credit union. Low interest rate (14.25) 3x on gas, groceries, travel and 1 for everything else. No annual fee.. Im looking to travel more frequently (2-3 per yr, with 1 international flight) so looking to get that capital one venture x. I have a excellent credit score with low utilization. Do you have a video of how to redeem points for flights and hotel?
Right now I have 2 cards on the C and 1 card on the D. Have beeen trying to learn more. I have a 750 credit score but I don’t travel anywhere. Literally no where. So I’m not sure what card should be perfect for me….🙃🙃
Only reason why I have the apple card is I got it without them running my credit. Preapproved then locked my credit for the inquiry after and still got the card no problem
No love for the Citi Trifecta, eh? It’s not as good as the Chase one, but it deserves better than C. I mean, come on, the catch all Double Cash card earns 2%, which is better than Chase’s Freedom Unlimited at 1.5%. One can argue that the Citi Premier has better multipliers than the Chase Sapphire Preferred, earning 3% on travel and gas versus 2% and 1% for the Sapphire Preferred. The main advantage for Chase is Hyatt, making its points very valuable. Other than that, the two Trifectas are give and take. I would get the Citi one at least a B.
Hey John! Are there any credit cards good for nurses and computer part purchases and/or electronics in general? Additionally, any finance classes you know about to better build a foundation?
So much great info. Love your info. You mention something about adding a user. I am wondering if you may know if I can add anyone as a second user such as a friend a niece or nephew or is it only some credit companies let you do that??
If you get a card primarily for the signup bonus, what do you normally do with it afterwards? I’m assuming if you don’t use it they will close the account right?
Downgrade it to a free card with a much smaller credit line and sock drawer it. If the opportunity arises to use it and keep it alive and running, then do so. Otherwise, get rid of it.
Did Amex change their terms recently? So you won’t be able to get the sign on bonus for the gold if you’ve already received a sign on bonus for the platinum?
Delta gold card is useful. You get free checked bags and 100 flight credit after 10k in spend. Also, delta is a premium brand so you should expect it to be more expensive. I am not sure why you had to offer that opinion.
I'm hesitant to apply for the Chase Freedom Unlimited card since the year is drawing to a close. If I submit my application today, on November 7, 2023, will I still be eligible for the unlimited cashback benefits until November 7, 2024? Your confirmation or any insights you can provide would be greatly appreciated. Thank you! Time Stamp - 12:57
Do you have any thoughts on a sapphire reserve update. A lot of its benefits are actually going to end soon. It’s as expensive as the Amex platinum but it’s value and credit seem weaker.
I don’t think the unlimited match offer for the CFU is 6x grocery but instead it’s 3x aka double the base 1.5x, the other offer is 5x grocery and gas up to $12k spend though. Correct me if I’m wrong
The only reason I got the Apple Card is I can use it to finance my iPhone purchases to 24 months increments, only 45 dollars a month is way less burden than paying a thousand dollars upfront 😊
I'm considering a balance transfer card to eliminate interest on of my other accounts so I can pay it off faster. I see that Citi also has their simplicity card, which offers a 3% initial transfer fee vs the diamond preferred 5% initial transfer fee.
I need a advice for a friend So my main card (not first card) is the capital one savior one My best friend never had a credit card before, If I refer him and he gets approved I get 150 as bonus. But What I really want is my best friend to start in the best place possible when it comes to credit utilization, so you know, I want to have a good amount from the start so he can have a good credit score, so is it better if for him to apply to another card like the silver? Or is actually a good idea for him to apply to the savior one that I have ?
I think John's not saying you should get Prime for the card, he's assuming you're already a Prime member when considering the card. As for the US Bank card, which I assume you're talking about the US Bank Shopper Cash Rewards card, the 6% is nice, and it'd certainly be better if you didn't have Prime. However, if you do have Prime, I think the caveat of the US Bank card is that there's a $1500 quarterly limit on the 6% return, and after the first year there's a $95 annual fee. So if you're just getting it for Amazon, after the first year you can't really make up that annual fee compared to the Amazon card which has no annual fee.
@dizzyMongoose There is an annual fee of amazin prime for $139 vs $95 which you get 1% more points plus another places like Walmart ot target for food which again is 1% more then whole foods.
@@TheeScorge You're right about if you're using this instead of Prime for Amazon purchases for the cash back, and I agreed with you, but you didn't address my other point before. If you're already a Prime subscriber, which certainly a lot people are because of its own benefits, then the US Bank card doesn't look as appealing after the first year, because you'd be paying for Prime plus the annual fee.
@@TheeScorge Right, well, if you're not going to accept the premise that people would get Prime regardless of the credit card, we're just going to be talking past each other.
i bascially jumped from F- tier, to A and S tier. lol. i ddint apply for cards for almost 10yrs after repair/rebuild my credit.I'm gonna pause and apply for chase reserve in a cpl years once my student loans fall off (and for once get an APR sub 20%!?)
In defense of the Apple card, it can be a good option if you apply for it when making a large Apple purchase. You get to pay off the purchase interest-free for 12 months using the card. And you get ALL the Apple cash immediately which can be used as a statement credit or can be put into an Apple savings account that has a respectable interest rate (so this is the card's effective welcome bonus in my opinion). One thing to keep in mind is that the card's issuer, Goldman Sachs, is looking to drop the card sometime in the future so this is all subject to change once the card has a new issuer. And yeah, the physical card is all for show...only use the Apple card where mobile wallets are accepted
Hey John! Thanks for the video! Quick question - if you have an Amex Biz Platinum and A personal one - would you get two Priority Pass accounts or not?
Surprised you put the Delta Gold business card at D class. I;d put them up at B at least. No 5/24 hit, no hard inquiry.. free domestic flights. AF waived first year, $95 AF. Low spend requirement. I don't do international travel ever. Also witht eh Delta gold card, you get 15% off on the flights booked with pionts even.
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This video really REALLY needs timestamps
Blue Cash is an excellent card. Recently replaced my washer dryer and bought them online at Home Depot and got some solid cash back. Great catch all for random online purchases. No annual fee so seems like a no brainer.
Is it flat rate?
@@GreenDriveIndia3% gas, grocery (no wholesale or superstore), online retail (u.s. based) up to 6k/category/year. 1% flat for everything else
@@GreenDriveIndiaIt's Amex. Some of the highest rates.. I got an Amex everyday card thru my credit union 14.25%.. Traveling internationally, lots of places don't accept Amex.
I wish it gave points. I'm all in on Amex points
The Discover IT card is my easy go to. They took me in at my worst and treated me fantastic. Have the American Express Platinum and chase also. But I’ll always be a discover fan boy😂
Discover card saved more lives than people like to admit
@@alexchavez217 Absolutely
Us bank cash plus deserves a spot with 5% utilities
Especially if you drive an electric vehicle like my parents.
I have this for my electric/gas bills.
What?!?!?!? I had no idea this even existed...im applying now
Exactly, he also forgot to mention Chase Freedom Flex. I collect all the 5% cashback cards. Citi Custom Cash x2 or x3, US Bank Cash+, Freedom Flex, Discover It Cashback, Chase Ink Business Cash, Citi Shop Your Way, etc..
@@MarkSmithhhh Can also get 5% cashback on internet if I recall, in addition to utilities.
Bilt card is great. Ease of use is A+ and it's just a truly different credit card. Glad I checked it out and applied. Completely agree on the S tier ranking thus far
Just so everyone knows if you purchase your Walmart groceries online for pickup that counts as a 3x online purchase for the Amex Blue Cash Every day.
Awesome! I was wondering about this strategy and whether it'll work or not. Thank you for the confirmation! Do you know if it covers the same for online wholesale clubs such as BJ's?
I do not know as I do not shop there but I would try with a small purchase and see but I bet it will. @@BNAFitnessTV
Minor nitpick about Amex Gold: with Amex Offers, you can likely save enough to let the card pay for itself (and possibly then some).
I might try for the Amazon card. Whole Foods is expensive and Amazon has everything so that’s a very underrated card. I would’ve liked to see the PayPal card on the list also
Amazon card is awesome. The wife and I buy most things off of amazon so getting 5% back is a no brainer. Every year I rack up around $500-$1000 in cash back and use it to buy Christmas presents and other things.
@@carryeveryday910did you apply for the chase points card or the visa? Or is there another one that isn’t visible in the app?
@@GerzonAlarivisa way to go
If all you do is domestic, the delta gold combined with Amex cards like the plat and gold let you get some reasonable value.
The delta cards (specifically the reserve and platinum) can get you round trip companion certificates too which could be useful to outweigh the annual fee
I live in Minnesota and I basically have to have the detla card😂😂😂😂
@@Breezie51MSP is my hub so same 😅
@Breezie51 Same I am in Atlanta.
Love the Venture X!
Another things that most people dont think about when using an AMEX is there isnt a minimum monthly payment that shows on a credit report. I work as a loan originator and when an amex card is on a liability report there isnt a minimum payment. In that case we go with 5% of the total balance. So if you are looking to buy a home using an Amex card isnt ideal is you have a balance.
yeah...not feeling charge cards..maybe ill downgrade to amex gold in a 1-2 yrs, get rid of green and plat I have.
Thanks again John for a good swath of info. I'd love to see some in-depth airline-specific setups for people who live near airline hubs/have travel through work/etc... what CC's make the most sene for people who will most likely travel with X airline (domestic/international... can include the big alliances too).
Hey John! Solid breakdown of information as per usual.
In a future video, could you please go over the best credit cards to go for if you are in the military or are about to join. There are multiple stipulations of the Servicemember's Civil Relief Act (SCRA) that many folks might not be aware of. For example, since I am stationed in Ohio, I benefit from Ohio's SCRA which retroactively affects all closed, current, and future loans.
Which begs the question, since I have no annual fee due to the SCRA, should I just go crazy and get the most expensive annual fee cards with the most benefits and SUBs?
Even though I am not John, you can take advantage of those higher tier sign up bonuses, and the benefits each one offers. Possibly leaving you with thousands of dollars in cash back or worth of points.
@@Shawarmaman123 Yeah, that's what I'm currently doing. Recently got both the Amex Plat and Amex Bonvoy Brilliant that I'm trying to get SUBs for. Just wanted to see if John knew of other ways for us military folks to benefit from the SCRA as well as to inform those Servicemembers who may not be aware of their benefits!
I'm kicking myself so hard because I wasn't aware of the SCRA while I was in. I missed out on so many benefits...
No Amex Hilton, United cards, or Citi AA is pretty weird given some of what made the cut. Aside from that a solid rundown!
united are C..B if u fly united primarily..at best. UNITED/chase customer service sux.
Great classification and Great video overall John!!
If I don’t rent, is the Bilt card worth getting?
I've been wondering this too. I hear so many people talking about it because of rent, but I can't pay my mortgage with it. Id be curious to see it ranked without the rent piece being taken into consideration.
If you don't have rent the rewards for it on other stuff isn't bad but no sign up bonus, so kinda weak
I got approved for a Bilt card through your link. Finally gonna start earning points on rent. 😁
Congrats and enjoy the card!!
Applied and got approved for the BILT as I watching this vid, even enrolled in the Wells Fargo and BILT app
Haha let's goo!! Congrats and enjoy the card!
@@johnsfinancetips even though I dont pay any kind of rent or mortgage, I still will definitely be enjoying the card
But the delta platinum has free companion ticket every year that is why still worth it. If you are couple traveling together every year domestically(Hawaii , NYC etc) you can easily get 2 tickets for the price of 1. Plus you get free check in luggage & upgrade.
Question: should i still take built if it burns a 5/24 spot? Meaning I give up a big sign up bonus from another card and cant do chase for 2 years
Heya! Im new to your channel, and I've been watching some videos, but I'm really curious if you could explain something to beginners , like, how to apply to CC and how often, I've read a bit about hard pull inquiries and how you should apply to more than one in less than 30 days, but I'm not sure on that...
There’s a sign up bonus for the Citi double cash right now guys. $200 for spending $1500 in 6 months or less.
Wells Fargo does it better, $200 cash back for $500 spent within 3months
@@Ace-dn3idCiti points can be more valuable if transfered. Theres also multiple cards that can get above 2 percent cash back on everything anyway
best finance tips on the market
Great video 🎉
Thanks for the great advice 👍🏼
Time stamp - 12:09
I wouldn't rate Venture X that high, since they replaced $300 portal credit with $300 portal discount. This is a definitely much worse, since their portal is a POJ. Bilt card is good, but not that good. I don't have rent, so 3x for dining is not that interesting. Amex Bus Plat? I dunno, I had it, but after couponisation and raising the AF it became not that good and I cancelled. I would say that S tier for me are: USB AR, Hilton Aspire, Citi Prestige, Citi Custom Cash (multiples), Freedom Flex (multiples), Ink Cash and Sears. Those cards I use the most.
cap one entertainment typically delivers 30% discount of tix prices. but soon as they raise the AF or charge for AUs...im out
I cant wait to own some best credit cards out there in near future.. just working my behind off for my poor mistakes ive made in the past, (various collections and poor credit). Ugh, it sure is a journey but I know I will clean up my finanical mess and gradually be successful with my credit/money journey.
Southwest Companion Pass for those who can rack up 100+k a year in purchases. Easily the best for travel.
How did you slay amex platinum like that? B class? That's crazy! And did you have a bad experience with Delta? I get your point about devaluation of points but they are a quality airline. Plus if you use amex platinum you can stack delta and amex points at the same time on the same flights you purchase
Delta Platinum has given me great value including a path to platinum status and a few companion ticket the past few years. With just the companion ticket, I have average $250 value each year left after the annual fee. Further, Delta miles aren't the best but I'm happy with my RT LAX-London next year in Delta One for about 160k miles. Also, since I am a traveler, the platinum AMEX is a no-brainer top tier since I am usually a Delta flyer, even work the 5 visits/yr next year.
Agree with you Scott. I just downgraded my Delta Reserve to Delta platinum to maintain the companion ticket for $250/year with the skymiles changes for 2025. Based in Atlanta, I dont really have any other reliable airline options with the amount I travel. Opted to add the Schwab Amex platinum as my daily card.
I just wanted to thank you for suggesting Bilt. Going to save so much money not paying a transaction fee. There is a convenience fee, but $2.95 is so much cheaper than 3.1% of the rent.
Happy to help!! You can also use the account number and routing from Bilt or have them cut a check, that might help get around the convenience fee! Best of luck!
Amazing ranking! But what about the jetblue plus card?
Hey, for starters thanks for the info, as always, amazing information you are sharing!
For the chase cards, my main goal is to get the chase preferred, i already have 1 freedom flex, should i get the freedom unlimited too or wait for the preferred to have a higher sign in bonus ? Thanks again!
thank you for this i was thinking about getting one soon
Bilt card only good if you have rent, I would downgrade that to A or B tier. Ritz is definitely S+ tier; best PP membership, access Sapphire lounges, best travel insurance, and if you use the 85k cert the card is practically free or has positive return value that gives you so many benefits. It should be alone on S+ tier.
The top 5 are sponsors
Apple Card at D to me is low. I feel like it’s a solid C just because it lets you get apple products broken up into 12 month no interest payments pretty easily. That’s all I’d use it for.
Yeah but it’s just baiting people into buying overpriced products they can’t afford and end up being predatory
The Chase Ink Unlimited/Cash gives you $900, 12 months 0% apr, and doesn't affect your credit score.
There are quite a number of 0% APR cards that don't require you to buy apple, have great sign up bonuses and have decent or better earnings.
@@ryanrodriguez5293 I got a $150 dollar bonus for opening the Apple Card and spending $1000. Again why I say it’s C not a D or an A. It’s just okay.
Sapphire Reserve is still A tier. Broad $300 travel credit not tied to a portal, Global Entry, lounge access, car rental status, trip insurance, Pay Yourself Back at 1.5x multiplier makes this card worth the $250 annual fee after the travel credit.
Everyone has their own opinion on which credit card is the best but I choose credit cards by my spending categories in which I achieved the most bonus Rewards
What do you think about the new Hilton cards?
Where’s Amex Blue Cash Preferred?
Where is the affiliate code for the chase card?
Puts Amex platinum in S Tier, but dings the CSR for not offering enough value in the B Tier.
Coupon book for 695 VS CSR 550 annual fee
Amex Hilton Aspire? Thoughts?
Great video!! One question, where would you rank the Chase freedom flex?
Thoughts on TD Bank card? I have 2 and I'm 22. I had them for 2 years
Great knowledge an info... I mainly use my Amex thru my credit union. Low interest rate (14.25) 3x on gas, groceries, travel and 1 for everything else. No annual fee.. Im looking to travel more frequently (2-3 per yr, with 1 international flight) so looking to get that capital one venture x. I have a excellent credit score with low utilization. Do you have a video of how to redeem points for flights and hotel?
Right now I have 2 cards on the C and 1 card on the D. Have beeen trying to learn more. I have a 750 credit score but I don’t travel anywhere. Literally no where. So I’m not sure what card should be perfect for me….🙃🙃
Which card would you recommend for someone that buys a lot of different wholesale products from a suppliers to resell ?
Only reason why I have the apple card is I got it without them running my credit. Preapproved then locked my credit for the inquiry after and still got the card no problem
Wait how did you lock your credit?
I have chase freedom unlimited, should I apply for chase amazon? They are both cashback card so idk if I should get it or not
No love for the Citi Trifecta, eh? It’s not as good as the Chase one, but it deserves better than C. I mean, come on, the catch all Double Cash card earns 2%, which is better than Chase’s Freedom Unlimited at 1.5%. One can argue that the Citi Premier has better multipliers than the Chase Sapphire Preferred, earning 3% on travel and gas versus 2% and 1% for the Sapphire Preferred. The main advantage for Chase is Hyatt, making its points very valuable. Other than that, the two Trifectas are give and take. I would get the Citi one at least a B.
What are the creative ways to hit the sign up bonus, like he mentioned?
What are your thoughts on the PayPal credit cards
That PayPal card is very good! 3x by paying with PayPal and 2x everything else is 💪 I don’t like the bank but is a good card!
Hey John! Are there any credit cards good for nurses and computer part purchases and/or electronics in general? Additionally, any finance classes you know about to better build a foundation?
The Amex Biz Gold gives 4x at Computer Hardware, Software, and Cloud Computing stores
Amex p. Should’ve been ranked higher. I think the only reason many feel that way is because of the annual fee
So much great info. Love your info. You mention something about adding a user. I am wondering if you may know if I can add anyone as a second user such as a friend a niece or nephew or is it only some credit companies let you do that??
Yep nearly all of my cards are S and A except my first card
If you get a card primarily for the signup bonus, what do you normally do with it afterwards? I’m assuming if you don’t use it they will close the account right?
Keep it active for 1 year, then cancel it if it doesn't benefit you.
Downgrade it to a free card with a much smaller credit line and sock drawer it. If the opportunity arises to use it and keep it alive and running, then do so. Otherwise, get rid of it.
If it's free just keep it. If it has an af downgrade it to a free one. If you can't cancel it after 1 year but before 1 year and 1 month
Did Amex change their terms recently? So you won’t be able to get the sign on bonus for the gold if you’ve already received a sign on bonus for the platinum?
Yes that's new around the time you made this comment. It only applies to green gold and platinum in that order
Delta gold card is useful. You get free checked bags and 100 flight credit after 10k in spend. Also, delta is a premium brand so you should expect it to be more expensive. I am not sure why you had to offer that opinion.
I'm hesitant to apply for the Chase Freedom Unlimited card since the year is drawing to a close. If I submit my application today, on November 7, 2023, will I still be eligible for the unlimited cashback benefits until November 7, 2024? Your confirmation or any insights you can provide would be greatly appreciated. Thank you!
Time Stamp - 12:57
Yes. Offer is still up so if you apply today and get approved today, you are eligible for unlimited cashback until Nov 14 of 2024.
Do you have any thoughts on a sapphire reserve update. A lot of its benefits are actually going to end soon. It’s as expensive as the Amex platinum but it’s value and credit seem weaker.
If the bilt card is 1x on rent, why not use something else that’s 2x on everything? Someone explain
You can't use a credit card for rent in many cases, but bilt will cover the transaction fees so it'll be accepted
I don’t think the unlimited match offer for the CFU is 6x grocery but instead it’s 3x aka double the base 1.5x, the other offer is 5x grocery and gas up to $12k spend though. Correct me if I’m wrong
The only reason I got the Apple Card is I can use it to finance my iPhone purchases to 24 months increments, only 45 dollars a month is way less burden than paying a thousand dollars upfront 😊
I was wondering why your voice sounded so familiar. You sound like a character from "Turning Red" name Din ☺️
Where do you rank the Citi Black AAdvantage card?
What are your thoughts on this bill they’re trying to pass to remove credit card points and cash back?
If I'm approved for a sapphire preferred and a freedom unlimited what order should I get them and do I need to wait in between getting them?
I'm considering a balance transfer card to eliminate interest on of my other accounts so I can pay it off faster. I see that Citi also has their simplicity card, which offers a 3% initial transfer fee vs the diamond preferred 5% initial transfer fee.
Can you pay your mortgage with BILT?
If the Amazon card is by chase are you able to transfer those points to other chase cards?
Nope. It's cash back, not Ultimate Rewards points
What’s a good first time credit card to apply for I’m trying build my credit score but I want to pay it off quickly
Can I actually get a personal Venture X and later flip it to the Business Venture X though? 🤔
I would apply for the VX business directly for another sign up bonus! Best of luck
@@johnsfinancetips Thanks, John. I'm trying but having a lot of headaches dealing with their business support. Good card but such a lousy support 😿
Why is the Business Amex Platinum better than the Personal Amex Platinum card?
I need a advice for a friend
So my main card (not first card) is the capital one savior one
My best friend never had a credit card before, If I refer him and he gets approved I get 150 as bonus.
But What I really want is my best friend to start in the best place possible when it comes to credit utilization, so you know, I want to have a good amount from the start so he can have a good credit score, so is it better if for him to apply to another card like the silver? Or is actually a good idea for him to apply to the savior one that I have ?
This was kind of a random selection of cards.
Why pay $139 for prime and getting the credit card when you can get 6% on Amazon with thr new us bank card?
I think John's not saying you should get Prime for the card, he's assuming you're already a Prime member when considering the card.
As for the US Bank card, which I assume you're talking about the US Bank Shopper Cash Rewards card, the 6% is nice, and it'd certainly be better if you didn't have Prime. However, if you do have Prime, I think the caveat of the US Bank card is that there's a $1500 quarterly limit on the 6% return, and after the first year there's a $95 annual fee. So if you're just getting it for Amazon, after the first year you can't really make up that annual fee compared to the Amazon card which has no annual fee.
@dizzyMongoose There is an annual fee of amazin prime for $139 vs $95 which you get 1% more points plus another places like Walmart ot target for food which again is 1% more then whole foods.
@@TheeScorge You're right about if you're using this instead of Prime for Amazon purchases for the cash back, and I agreed with you, but you didn't address my other point before. If you're already a Prime subscriber, which certainly a lot people are because of its own benefits, then the US Bank card doesn't look as appealing after the first year, because you'd be paying for Prime plus the annual fee.
@@dizzyMongoose No point in one when you get more value with this card
@@TheeScorge Right, well, if you're not going to accept the premise that people would get Prime regardless of the credit card, we're just going to be talking past each other.
i bascially jumped from F- tier, to A and S tier. lol. i ddint apply for cards for almost 10yrs after repair/rebuild my credit.I'm gonna pause and apply for chase reserve in a cpl years once my student loans fall off (and for once get an APR sub 20%!?)
How is platinum business two levels higher than the platinum personal 🤔
what happened to the audio, John? How come you had to redo it?
These videos would be way better with time stamps or chapters
what card if i don’t travel.
why don’t you never talk about the Amex Green?
Cards for starters, low income, low spend
In defense of the Apple card, it can be a good option if you apply for it when making a large Apple purchase. You get to pay off the purchase interest-free for 12 months using the card. And you get ALL the Apple cash immediately which can be used as a statement credit or can be put into an Apple savings account that has a respectable interest rate (so this is the card's effective welcome bonus in my opinion).
One thing to keep in mind is that the card's issuer, Goldman Sachs, is looking to drop the card sometime in the future so this is all subject to change once the card has a new issuer. And yeah, the physical card is all for show...only use the Apple card where mobile wallets are accepted
The benefit is the clarity in my opinion!
What about the Wells Fargo active Cash back the 2% back on everything with the $200 sign up bonus ?
B tier maybe. The Citi one is better cause of other Citi cards maybe? And there's multiple ways to get more than 2 percent cash back on everything
I’m confused, you say percent but is it times? 2x would be 200%, not 2%? Can you clarify?
2x means 2 points per dollar spent
Apple card has zero international transaction cost - this means i can be in england and use it natively like an english credit card.
Hey John! Thanks for the video! Quick question - if you have an Amex Biz Platinum and A personal one - would you get two Priority Pass accounts or not?
Yes. You get 2 Priority Pass account. There's no benefit to having 2 account though.
Is it true that American Express platinum credit card credits you back the annual fee if you’re military?
Yes if you inform them that you are military and verify it is free.
Do I still get the welcome bonus for personal gold card…if I got the business platinum first?
Yes, you are eligible. But you could still be in pop-up jail
not if they dont cancel the 1st card b4 the 1st and 2nd AF is paid@@LK_EBM
Surprised you put the Delta Gold business card at D class. I;d put them up at B at least. No 5/24 hit, no hard inquiry.. free domestic flights. AF waived first year, $95 AF. Low spend requirement. I don't do international travel ever. Also witht eh Delta gold card, you get 15% off on the flights booked with pionts even.
I was expecting the Paypal Mastercard on here. Maybe next time
Just opened my business card from chase. Can I pay my bills and mortgage with it? To reach my $6,000 goal.
Does cash advance count as spending?
No
Talk about the American Express green card
Any thoughts on AA Cobalt?
What about chase United mileage plus cards?