Loved this Graham! Watching my sub count explode💥!! Agree to disagree on annual fees... my "stop paying fees" video specifically compares your cards to mine. Of course, when diligent about *maximizing* the *value* you get from cards (like you do), the fees absolutely make sense. But for MOST people, I'd argue they'll come out way ahead by finding the right mix of no-fee cards. -Graham's older brother Dave
Thanks for the shout out! Pro-tip for the Amex Plat concierge: they have an email and usually get back to you in less than 24 hours. Secured a few good last min reservations that way (when the restaurants claimed to be sold out). 🍔
Graham, Literally the first thing my wife did after I showed her my new Saphire Reserve is drop it on the damn floor to see what it sounds like... 🤦🏻♂️
I question it's requirements. I don't make enough or spend enough to get the black card but have gotten a invite for it. I also don't have the platinum card. I only have a CD with American Express What I did was I shredded it. The benefits are not worth it. The only time those travel cards that charge fees are worth it is if you are a business person constantly doing travel. I don't need to sit in a lobby in the hour I am waiting for my plane and I can do things like wait in line to show my passport etc. If anything I get more from cards like my Costco card because I can get around 40 dollars a year from gas alone with that card.
@Mike Smullin Some people cannot get a chase credit card though. If you have applied for 5 credit cards in the last 2 years you cannot get a chase credit card. Again I am just not a fan of fees on credit cards in general. I can get the Costco cash back card and get 4% back on gas, 2% shopping at Costco and 3% eating out or double cash back with the Citi visa card and all those cards are free. I just don't travel enough to take advantage of any travel perks and I mentioned. I go on vacation every 2-3 years as vacations often turn into layoffs in my field.
@@NickSkye & Aman Bansil -- my 2 nerdy hobbies are credit cards and video production lol. Quick tips: get to know your camera, use manual exposure & white balance, practice color grading, and most important for "quality" is lighting and sound.
Dave Hanson / Hey there, Dave here. Thanks mate! Right now I'm stuck using my iPhone 11 pro but eventually I'll get a legit camera. I've tried playing with lighting but it's nowhere near yours yet. Great videos man.
@@skepticmoderate5790 He uses his credit card on renovations and stuff. Since this last renovation is costing him over $100,000 maybe he'll actually get to $250,000
You've got the savings and the checking. And all your money is in the savings. You've got to transfer it over to the checking. And it takes up to 3 business days.....
I had a Platinum card for a while, I used the concierge a few times. They can do things other than just making reservations (don't know about video editing). One my requests to a obtain a toy for a now former friend's kid. This toy was sold out every where, they couldn't find it, I couldn't find it, so I ask the concierge to find it. Told them the specifics, gave them a max purchase price and a shipping address, and two days later got a call they had located the toy, and it was being shipped.
totally I watched "Hey there Dave Here"s video for the first time also with the Black card and was also blown away with his setup and also couldn't believe only 7.38k subs, Its cool that you gave him a boost . your a decent dude. ("a humble millionaires "! ) you remember you were there once too and not too long ago, thumbs up Graham! 👍🏻 stay humble!
Both of my uncles have one and they love it, automatic flight upgrades to first class if available, airport lounge access, the whole works. hopefully I am able to get there one day.
The Platinum concierge is a bit better than calling the restaurant, though. There have been times when I couldn’t get a reservation on OpenTable but I gave the task to the concierge and after a couple of days they got it for me at the time I asked for. They will try over and over and they also have special reserved seats at some restaurants. Same goes for event tickets: they will wait online at the moment tickets go on sale and try to grab them for you, even having multiple browsers open to maximize your chances. On the other hand I’ve never been super impressed with their restaurant recommendations. I’ve heard the Centurion concierge however can be super useful if you get the right dedicated concierge.
If you are using concierge for only restaurant reservations, you are definitely missing out. Think locating an item similar to one you had when you were a kid, sending a snowball to Arizona, gift ideas for your grandma, et cetera. Concierge gets bored with things that can be done with a few clicks online. Give them a challenge.
Your level of frugality is something to be envious off, admire and try to mimic you never fail me Graham that saks fifth credit didn’t seen worth it until you explain it
@Joker the only rapper I've heard mention it in their songs is Jay-Z. I don't listen to much rap anymore. That being said, I'm sure he's good enough with his money to actually earn it rightfully
Graham’s channel is the BIGGEST COUNTRY of TH-cam. It influences everyone else in some way and then he helps boost small youtuber’s (economy’s) that are doing something good, but haven’t taken off yet.
Grahamn! I have good news, I have the Amex platinum card and I don’t pay annual fees! Anyone on Active Duty (US) can have their fees waived. It may extend to reservist and veterans but you have to ask.
“That would match my car. Imagine that. You have a matte black Tesla and you pull up and pay your dollar menu McDonald’s with a matte black American Express black card”
I'll say one thing that I can definitely disagree with Graham on is his shilling for annual fees. His argument is always "Well, numerically speaking, what you get back in rewards and benefits outweighs the annual fee!" The problem with that is that what if I don't travel all the time? Or what if I don't really care about "priority pass lounge access." Sure it may be valuable in a numerical sense but it's only worthwhile if you actually have a genuine use for the benefits and rewards the credit card offers you.
I have to say Amex is a marketing genius. They turned the 80th myth into a highly desirable card product, dealt with cardmembers with "undesirable demographics" by raising the AF, and adding an initiation fee, that made it even more desirable and maintaining its mystique. I do think there are probably customized perks offered based on cardmember's spend, but they would probably get that with a Green Card.
Bro your getting sucked into it... I love ya Graham seriously got a good giggle out of this one... not sure if its because i've watched you for so long though :p Im sure all your fans happily would call you a friend at this point... Mate :)
13:55 you get that compensation in Europe and you don't even need a credit card insurance or any other insurance, it's the law that they need to compensate you if your flight gets delayed or cancelled. It's up to 600€ so usually you get way more than what you paid because flights are super cheap :) you can get 600€ compensation for €20 flight
Graham, Since I too only go out to eat when sushi is 1/2 price, I decided to finally buy your course for the TH-cam creators academy. Thanks For the Discount! congrats on your success!
12:04 Graham, LAX private lounge costs $4,000 per flight so you are basically getting back 80% of your fee($5000), if you board the flight once from LAX
I’ve used $498 dollars a few months ago. Rental car to drive to a different city to catch a flight in the AM. Dinner, hotel for the night, and breakfast. Would have definitely been more price sensitive in my hotel without the insurance but when I’m not paying for it stay in a nice place.
hay woods no. I spent like $150 for the last minute rental car. Hotel room was like $300. Then had food at a restaurant on the way of the drive which I spent maybe $35ish. Had to drive across the state as flight was cancelled and could not get to my destination for 2 days without driving to a different airport.
Says he wouldn't get the American Express black card. *sometime in the reasonable near future does an unboxing video of it* Look guys he got the black card!
Loved this Graham! Watching my sub count explode💥!! Agree to disagree on annual fees... my "stop paying fees" video specifically compares your cards to mine. Of course, when diligent about *maximizing* the *value* you get from cards (like you do), the fees absolutely make sense. But for MOST people, I'd argue they'll come out way ahead by finding the right mix of no-fee cards. -Graham's older brother Dave
Hey there, Graham here. Thanks so much for making this video! Really excited to see your channel grow!!
Graham older brother. Lol long lost family connection made possible by TH-cam and credit card reviews.
This is the second coming of ksi vs Logan paul. Grahm vs Dave on dazn boxing 1/1/2021!
Rafi Choudhury id watch that!
Hey there, Dave here is a 2nd channel isn’t it?
I agree, massages are reasonable
I DIDN’T EVEN KNOW THERE WERE LEVELS OF CREDIT CARD SWAG.
NOW I HATE MY RED VISA.
RAM Real Estate Investing hey I’m 15 boutta be 16 and I don’t got a card man I can’t build credit yet
@@Betoruffo sell weed lol
BetoRuffo tell your parents to put you as an authorized user that’s what they did for me
"Oh my god, is that a black card?"
I turned around and replied, "Why yes
But I prefer the term African American Express" -Kanye West, Last Call
I’m dead
Thanks for the shout out! Pro-tip for the Amex Plat concierge: they have an email and usually get back to you in less than 24 hours. Secured a few good last min reservations that way (when the restaurants claimed to be sold out). 🍔
Awesome tip pal!
Why don't Amex have a ladies card? "Amex lady" with a lady Centurion.
Graham, Literally the first thing my wife did after I showed her my new Saphire Reserve is drop it on the damn floor to see what it sounds like... 🤦🏻♂️
Jason Paul I would of dropped kicked someone. Not my wife but any human near by. I treasure mine I don’t even want anyone to swipe it.
Whenever he said wait for it my brain was expecting him to say “millennial money” 😂😂😂
@5:45 I’m sure Graham uses his old card to scrape his avocado onto his toast 😂😂😂
Half of this video is Graham trying to convince / not convince himself to get the American Express Black card lol
This goes beyond practicality, this card is more of a flex
Hunter Entrepreneur graham is one of those guys you like and are cool with but by trying to help you they just end up flexing on you 🤣
I question it's requirements. I don't make enough or spend enough to get the black card but have gotten a invite for it. I also don't have the platinum card. I only have a CD with American Express What I did was I shredded it. The benefits are not worth it. The only time those travel cards that charge fees are worth it is if you are a business person constantly doing travel. I don't need to sit in a lobby in the hour I am waiting for my plane and I can do things like wait in line to show my passport etc. If anything I get more from cards like my Costco card because I can get around 40 dollars a year from gas alone with that card.
Apple Card on steroids
@Mike Smullin Some people cannot get a chase credit card though. If you have applied for 5 credit cards in the last 2 years you cannot get a chase credit card. Again I am just not a fan of fees on credit cards in general. I can get the Costco cash back card and get 4% back on gas, 2% shopping at Costco and 3% eating out or double cash back with the Citi visa card and all those cards are free. I just don't travel enough to take advantage of any travel perks and I mentioned. I go on vacation every 2-3 years as vacations often turn into layoffs in my field.
It's like SUPREME made a credit card lol
This guy's production quality is where I'm trying to get. Just so expensive
Thanks Nick!
Dave Hanson / Hey there, Dave here. Dude you are for real killing it with your quality! Any tips for a noob?
Nick Skye Hoyt ditto
@@NickSkye & Aman Bansil -- my 2 nerdy hobbies are credit cards and video production lol. Quick tips: get to know your camera, use manual exposure & white balance, practice color grading, and most important for "quality" is lighting and sound.
Dave Hanson / Hey there, Dave here. Thanks mate! Right now I'm stuck using my iPhone 11 pro but eventually I'll get a legit camera. I've tried playing with lighting but it's nowhere near yours yet. Great videos man.
If this isn't motivation for Graham to leap his finances to the next level and GET that invitation...
There is nothing left.
Investing Engineered he needs this card
The equinox credit of the black card would definitely be nice for graham. Plus the TH-cam revenue of doing an unboxing of it.
Trading 212 entered the chat
Don't you have to spend like $250,000 per year though? Pretty sure Graham would never spend that much.
@@skepticmoderate5790 He uses his credit card on renovations and stuff. Since this last renovation is costing him over $100,000 maybe he'll actually get to $250,000
All I see is $10k tax deduction
Thats only if you have kids.
Timothy Byrd tru
Business ones look different, people will know you're not actually personally spending enough to be clouted lmao
Very interesting......I’ll stick with my Discover It lol
I felt that
TheEpiCool
Up top Epi 🙌🏼
Graham: “I’m frugal”
Also Graham: “I have a $350 wallet and a 40 thousand dollar watch.”
And spends 11x normal gym membership per month. He's in LA. Easy: LA Fitness. I pay $25/mo, plus $50/yr annual fee.
Professor Casturo what time piece is he wearing?
Saul Chavez he has a video on it I can’t remember off hand
@@8187285 It's the Zenith El Primero. It's a $20k watch
Kill The Facade he also has an audemars royal oak offshore and a RG Panerai radiomir
"these shopify kids" -Graham
*Looks at my 12 stores*
*cries internally*
holy humblebrag
Dudeee you tryna teach me your ways?
Ricky Cruz Just get Shopify Go to Ali express ser to America only for faster shipping boom
Toxic air ok so like go to filters and put ship from US right
On store 3 here. Only spend $8k monthly tho
I need this card, but the way my bank account is set up...
You've got the savings and the checking. And all your money is in the savings. You've got to transfer it over to the checking. And it takes up to 3 business days.....
Kevin Hart 😂👏
I had a Platinum card for a while, I used the concierge a few times. They can do things other than just making reservations (don't know about video editing). One my requests to a obtain a toy for a now former friend's kid. This toy was sold out every where, they couldn't find it, I couldn't find it, so I ask the concierge to find it. Told them the specifics, gave them a max purchase price and a shipping address, and two days later got a call they had located the toy, and it was being shipped.
Next video: How I got the AMEX BLACK CARD FOR FREE - Amex sees you reacting to an unboxing video. Genius!!!
This video is just graham trying to convince himself to buy the card lmao
$15000 divided by 20 cents = 75000 iced coffees!
get you some mcdonalds with that card😂
The poor folk be like whuuut.
totally I watched "Hey there Dave Here"s video for the first time also with the Black card and was also blown away with his setup and also couldn't believe only 7.38k subs, Its cool that you gave him a boost . your a decent dude. ("a humble millionaires "! ) you remember you were there once too and not too long ago, thumbs up Graham! 👍🏻 stay humble!
When he said “wait for it” I was thinking he would say millennial money.
Richboywayne same 😂
Both of my uncles have one and they love it, automatic flight upgrades to first class if available, airport lounge access, the whole works. hopefully I am able to get there one day.
Yeah. They even reserve tables at restrants in case you cant figure out how to call them yourself.
This video has been up for 16 minutes and he’s up 1K subs.
Gotta love Graham for the free promo!
I would like to see both Graham and Dave get together to do a video debating annual fees on credit cards being justifiable or not. Make it happen.
"He looks like a perfect blend between my face and my dad's face." 😂😂😂 #DEAD
“Find a mailbox somewhere!” How about at the end of your driveway?
Not if you live in a city 😍
The Platinum concierge is a bit better than calling the restaurant, though. There have been times when I couldn’t get a reservation on OpenTable but I gave the task to the concierge and after a couple of days they got it for me at the time I asked for. They will try over and over and they also have special reserved seats at some restaurants. Same goes for event tickets: they will wait online at the moment tickets go on sale and try to grab them for you, even having multiple browsers open to maximize your chances. On the other hand I’ve never been super impressed with their restaurant recommendations. I’ve heard the Centurion concierge however can be super useful if you get the right dedicated concierge.
If you are using concierge for only restaurant reservations, you are definitely missing out.
Think locating an item similar to one you had when you were a kid, sending a snowball to Arizona, gift ideas for your grandma, et cetera. Concierge gets bored with things that can be done with a few clicks online. Give them a challenge.
Your level of frugality is something to be envious off, admire and try to mimic you never fail me Graham that saks fifth credit didn’t seen worth it until you explain it
You do realize that no one at McDonald’s knows the difference between a black Amex and most other cards. LOL
Rappers rap about it all the time, I'm sure they know.
@Joker It would make sense to give people who are bad with money a credit card so you get the interest
@Joker the only rapper I've heard mention it in their songs is Jay-Z. I don't listen to much rap anymore. That being said, I'm sure he's good enough with his money to actually earn it rightfully
Graham’s channel is the BIGGEST COUNTRY of TH-cam. It influences everyone else in some way and then he helps boost small youtuber’s (economy’s) that are doing something good, but haven’t taken off yet.
"wait for it...unboxing" haha that was so anticlimactic 🤣
8:26 the face u were making cracked me up sooooo hard 😂😂😂
He looks like you, he talks like you, he wants you to smash the like button... This is Graham from a parallel universe.
Grahamn! I have good news, I have the Amex platinum card and I don’t pay annual fees!
Anyone on Active Duty (US) can have their fees waived. It may extend to reservist and veterans but you have to ask.
"HOW I MADE MY ANNUAL CREDIT CARD FEES FREE, EVERYONE SHOULD DO THIS"
He actually knows who you are. He has a video talking about you and your credit cards.
🙌🏼
i am a server and saw this card two days ago. its absolutely sick!
Is it made out of titanium or platinum?
@@greenlawnfarm5827 titanium. not as heavy as the JP morgan reserve card or apple card
@@iLeGenDzZz Ok. Wow.
How is it sick? Its just a card that does the same as a capital one quicksilver at its *core*
@@Ndasuunye Its made out of titanium and that costs alot. You should of folded it in half and seen if it straitened out.
6:16 is me watching Graham watch Dave unboxing someone else's card
8:25 aaaaauuuuaauughghghgh! I dont like dropping the cards LMAO
Graham confesses to owning a 350$ wallet, I think i spent 25$ on my wallet like 5-7 years ago lol
OverpoweredNoob knowing Graham he probably got it for free somehow lol
@6:14 can’t take it serious with the cat looking like that in the background 🤣🤣
I’m sad he didn’t finished his 20c diluted coffee.
*CNBC: He doesn't buy designer clothes*
*Graham: buys 10k watch*
6AM here in PHL and Graham voice is all I need to wake my sleepy investing soul. haha!
No one:
Absolutely no one:
Graham: eating out is a waste of money! Yet I have a 350 dollar Tom ford wallet
Graham: it was a gift
Doesn’t count if it’s free
Graham if you spent almost $400 on a wallet, Graham Stephan is gonna react to this video and then smack you
"How I bought a $400 Tom Ford wallet for free" video coming soon.
@@arthasgrinds7039 or for $15,000
He got it w the platinum card for free
@@chazdowns8660 you mean for $20,000 😅
“That would match my car. Imagine that. You have a matte black Tesla and you pull up and pay your dollar menu McDonald’s with a matte black American Express black card”
Dude, you have such a great personality! Your content is 🔥
Why does he sound like Robert California from The Office😂
"Wait for it...unboxing". That knocked me out!
Being a server I’ve recently held a few of them and really like the new design over the old one!
8:30 , when Graham realizes you spend money on Starbucks instead of 20 cent iced coffee.
I'll say one thing that I can definitely disagree with Graham on is his shilling for annual fees. His argument is always "Well, numerically speaking, what you get back in rewards and benefits outweighs the annual fee!"
The problem with that is that what if I don't travel all the time? Or what if I don't really care about "priority pass lounge access."
Sure it may be valuable in a numerical sense but it's only worthwhile if you actually have a genuine use for the benefits and rewards the credit card offers you.
I have to say Amex is a marketing genius. They turned the 80th myth into a highly desirable card product, dealt with cardmembers with "undesirable demographics" by raising the AF, and adding an initiation fee, that made it even more desirable and maintaining its mystique.
I do think there are probably customized perks offered based on cardmember's spend, but they would probably get that with a Green Card.
Is it just me or does graham seem more happier (like over the moon crazy happy) since he’s been on wait for it... millennial money 💴
“Call my mom for me” lol
8:27-8:33 I am replaying over and over and CRYING from laughter 😂😂😂
Prefer the Amex card over the Apple Card based on sound?
"how I got $200 shoes for free"
doesn't even unbox credit card yet
Graham: *I gotta already say two things*
That cat had a mean grill lol I don't think he approved of the wallet lol
Bro your getting sucked into it... I love ya Graham seriously got a good giggle out of this one... not sure if its because i've watched you for so long though :p
Im sure all your fans happily would call you a friend at this point... Mate :)
Ben at CreditShifu actually mentioned about the card between platinum and black with names too.
This is something that should be on your home channel
13:55 you get that compensation in Europe and you don't even need a credit card insurance or any other insurance, it's the law that they need to compensate you if your flight gets delayed or cancelled. It's up to 600€ so usually you get way more than what you paid because flights are super cheap :) you can get 600€ compensation for €20 flight
Graham wont spend more than $5 at a drive thru or more than 20 cents for ice coffee but he will spend $220 a month at a gym? Whaaaat?
Sebby is the KING
I had the same thought about the sound of the cards seconds before you said it lol
Dollar menu @ McDonalds! LMAO. Nice 1.
Pulling up to McDonald’s in a matte black Tesla, with your matte black Amex, and dress in a matte black Dark Knight suit... yes, sounds right
Graham, Since I too only go out to eat when sushi is 1/2 price, I decided to finally buy your course for the TH-cam creators academy. Thanks For the Discount! congrats on your success!
I’m just gonna quote everything funny in this video
Lol "go to mcdonalds and show off the amex black card" 😂
Samuel Sze none of them would know what it was unless you went out your way to explain its existence
Graham, i think its time for a third channel. a vlog channel! day in the life's, gym videos, holidays etc
That first annual fee is how much I make a year😂😂😂
"Really good for scraping stuff"
HAHAHAHAHHAHAHAHAHAH
The last thing someone who has this card is thinking about is, An initiation fee or an annual fee lol
That editing of your thumbnail is just amazing. Hahaha
Using it at McDonald's...to buy the restaurant?
Lol your Zenith was actually a solid buy and certainly not something I think you needed to hide under your sleeve 😂
Graham: I am cheap
Also Graham: I pay $220 a month for my gym
Well being healthy now will help with not causing health problems later on so it's worth it
Your haircut looks fresh Graham! Great video review btw.
Lmao I've been meaning to comment on your hair. You look so cute! Also this video has made me laugh so much!
Reacting to this card,
as if so many of us would have once in a life the chance to own one.
Yes! My goal in life is to have a credit card that i can tell everyone else i have and feel special.
I love when you go into that Cartman voice...lol
Dave Ramsey is FUMING 😤 😂
I couldn't care less about the Black Card, but that Zenith El Primero is killer. You have excellent taste in timepieces.
The look of Ramsey on the credit cards was like Dave Ramsey looking at credit cards.
Graham "This guy has MONEY to put these camera skills together"
Me, an intellectual: "Why do you think he has this card?"
12:04 Graham, LAX private lounge costs $4,000 per flight so you are basically getting back 80% of your fee($5000), if you board the flight once from LAX
So if you fly normal and buy a drink for $20 then you can save $3,800.
I’ve used $498 dollars a few months ago. Rental car to drive to a different city to catch a flight in the AM. Dinner, hotel for the night, and breakfast. Would have definitely been more price sensitive in my hotel without the insurance but when I’m not paying for it stay in a nice place.
Did you get room service?
hay woods no. I spent like $150 for the last minute rental car. Hotel room was like $300. Then had food at a restaurant on the way of the drive which I spent maybe $35ish. Had to drive across the state as flight was cancelled and could not get to my destination for 2 days without driving to a different airport.
Hahahah, youre right!! He is your lost brother 😂😂😂
Nope. If I were a billionaire, I still wouldn't want this card.
ikr, I wouldn't want people knowing I'm rich.. there would be weirdos following me everywhere!
@@ButerWarrior44 mo money, mo problems (Biggie Smalls).
Says he wouldn't get the American Express black card.
*sometime in the reasonable near future does an unboxing video of it* Look guys he got the black card!
Go to McDonald's with your black AMEX card and leave with your black Ferrari ...cuz you need to show off when getting something at the dollar menu lol
Graham sweating this guy
I always watch your channel but I bumped into him before I watch your channel today it’s pretty crazy