The flight vs. Hotel discussion has been one I’ve been struggling with but I think after this I’m definitely going for Hotels. Like you say, being in a business class flight is great but it’s only 6-8 hours for places I’m thinking of going and I’d rather spend 4-5 DAYS in a nice hotel vs 1/3 of a day on a flight. Thanks!
That depends. I just took first class on Japan Airlines for 80k American Airlines miles. 11 hour flight. For about $800. But I’m 6’2” 230 lbs. I don’t think I could survive for 11 hours in coach to Tokyo. Was a great experience that I’d never be able to pay cash for. But if you can hang out in coach and focus all your points onto hotels I can’t argue with it
If you're doing destination travel and not a staycation, it's unlikely you're going to be in your hotel room beyond sleeping and getting ready. Perhaps taking a nap. The amount of waking time you're in your hotel room is maybe 2-3 hours per day. Whereas I find it hard if not impossible to sleep on a flight.
But the thing is, when you’re traveling you’re not spending majority of the hours in the hotel. You’re out and about for at least 10-12 hours, going back to the hotel just to shower and sleep. Unless you’re going to a resort for the hotel like All Inclusive Cancun hotels
This is probably the most concise and informative credit card strategy video I have seen so far, and I've seen a lot of these videos. Thank you for sharing all this!
The Player 2 game unlocks some insane value in the credit card world. I'm just getting introduced to it after having my gf open her first credit card (the Chase Freedom Unlimited), but I'm excited to keep doing more of it! Side note, those are some awesome redemptions y'all got. Looking forward to hearing about more to come!
This is good. Last time I did one of these types of videos I was at $23,000. Probably at over $50k now, maybe need to do an update. At yeah 2 min layer mode really rocks
Yeah 2 player mode is awesome! We’ve got a few more trips later this year so our value is gonna keep climbing too. You’ve referenced some really great flights and hotel stays in your videos so $50k doesn’t surprise me haha - definitely wanna see an update!
😂 this is funny and ironic, been sub'd to both ya'lls channels; just need Sebby to comment for the trifecta 😂 this is an awesome points rewards breakdown vid, too; Simple, Clear, Concise, Prioritize and Execute.
A Two-Player setup is sooo valuable for unlocking significantly more value from CC Points & experience some really cool travel experiences with your significant other as well! Great video Daniel!
10:40 & 13:43 While Hyatt hasn't devalued their points program, yet, they're still the only hotel chain who is 🤨 *holding out on their members to provide them with more value when booking entirely with points.* The Hyatt still *doesn't offer a Stay 4 Nights, Get the 5th Night Free (Marriott & Hilton)* or *Stay 3 Nights, Get the 4th Night Free (IHG Hotels)* program. Also, I noticed the majority of their rooms in lower categories (1-4) don't even come with a microwave, for starters. Just a heads up.
Thank you for mentioning the hotel vs flight thing, most seem to ignore it. Even on flights to Asia, where I’m spending 18 hours on 2 legs of a flight, I’d rather put the money/points into hotels, for the same reason I won’t pay triple for a luxury Uber: I see transportation and accommodation as being completely different (except cruises which are sometimes both). Plus my air travel rarely falls into the sweet spots where it’s worth it, so the taxes and fees are somet8mes S much as I would pay for an economy flight. So I compare what the points would get me in a hotel for the stay vs the flight, and the hotel is always the clear winner.
Thanks for this Danny. Just remember not to "force spend" and always payoff on time in order to maximize value from the front-end. It's how you redeem on the back-end that determines the real value you get
As much as I hate to admit it, I'd rather have a nice hotel room than a first class flight 😪 It feels amazing to eat meals on the plane, free alcohol , and to lay flat. BUT having a nice hotel room for a much longer time than a flight is the better move for me.
Great video, my girlfriend and I have more or less been using this same strategy to stack up points! That's a good tip about saving Chase/Bilt points for Hyatt hotels vs Amex points for flights. I made the mistake of recently using most of my chase points towards flights for us but later realized that it probably would've been better spent on hyatt hotels...
Thank you for your videos Daniel! Your channel is an amazing resource and deserves a lot more recognition! Thanks to you, at age 22, I have opened my next two credit cards as I am soon moving out of my parents house. Going with the Bilt for my rent and CSP for the sign up bonus and great travel benefits. Looking forward to adding my girlfriend into the credit card game as well to have a good 2 player setup like you guys do!
Thank you so much for sharing! This is a topic that I have been wondering a lot about. I know a lot of people that are interested in doing this and are looking for ideas. I'll be sharing this video a lot! Thanks again!
Nice observation on the flights vs hotel redemption utility. Never thought of it like this. Flight is only 7 - 8 hours and you need 2 ticket whereas a Hotel room can be enjoyed by 2 people for a single redemption. Would love to see more examples of high utility redemption on Amazing Hotels.
thank you for making this video!! as i move in with my partner soon, this information couldn't be more relevant and essential. i really appreciate you explaining this in depth!
Wish Amex will make a premium platinum card. Like platinum and gold all in one card . Annual fee is $1,000 Im in! So no need to carry two separate cards. Anyway So you prefer to spend your points on luxury hotels aVS business flights -shorter and more expensive) that make sense. Keep up the great work !
Any tips to starting a TH-cam channel. I saw your first video and your editing got amazing! Do you write a script before you shoot on how to present the video?
Great video! Quick question on opening new credit cards to get offers...opening a credit card is fairly easy but what about closing one? It seems that you have a good number of credit cards, are you thinking of closing some so you can re-apply and get the offer again? I heard from the past that closing a credit card is not recommended as it hits your credit score negatively.
I have this same question - actually asked it here as well but since you haven’t received an answer in 3 months I won’t hold my breath. You can’t just keep opening cards non-stop so this strategy eventually runs its course when you’ve “maxed out” your number of cards or revolving accounts. The only solution that I see is to close cards so that you can reapply for the bonuses. Otherwise, this strategy is only a one time big shot of points and then you’re back to just earning on spending. I would like to know how to keep the game going long term.
Thanks! We plan on using our points for our Summer Thailand and European Christmas market trips to Get Travel Content for our Channel, Chasing Charisma. We will let you know how it goes!!
Hey Daniel. Great Content. How do you feel about cashing out your chase UR points and using that cash value to invest in a stock market fund like the VTI with returns of 10% or more yearly for those people looking to maximize points long term.
This is awesome! I’ve been contemplating on how to use my Hyatt points. Might go to NYC just for fun this summer since I’ve only been once and it was during a winter storm lol. Would you say 2CPP is a good use of points? I know there are higher redemption options out there but typically abroad, which is not an option atm
Can you make a video around any new credit cards you and your fiancé will be opening to maximize points accrual for your wedding expenses? Sincerely, Another fiancé 🙋🏻♀️
What allows you to link Chase accounts to share points? I know you mentioned fiancé and I always assumed you needed to be married and share a last name. Does domestic partner qualify? Thank you for the insight and great video!
@@augustm4467 Variety. AMEX Gold gave us $1,800 the first year (counting 100k promo offer) It also saved me about $400 in purchase protection. Discover 5% cashback nets us about $400 in gift cards a year Prime Visa 5% another $200 per year Rakuten/Retailmenot (not credit card) another $400 in cashback. Strongly recommend Rakuten. American Air/United/Delta etc miles - $1,200 (we fly about 3-4x per year each) It's just me and my wife, we don't spend a lot. We also have WF Visa (2% on everything) for instance where AMEX/Discover isn't 4% or 5 and will only offer 1%.
Great video, keep it up. Congrats on the player 2 help. My player 2 is super frugal, so after the SUB, she doesn’t generate many points. Current setup: CFF, CFU, Costco visa, WF autograph, Amex Platinum,Amex Gold & BCE. Possible Future cards: Chase: CIP or CSP, CIC. Amex: BBP Although, if I drop the Platinum one day, I may go to VX just for priority pass/plaza premium lounge access. Thoughts on best combo of Amex/Chase cards to complement each other & keep most spend in the Amex/chase ecosystems?
Sup man I'm a big traveler myself. In your opinion between the Amex gold vs the sapphire preferred which would give me more flying miles? Strictly for flying only. Is it true that the sapphire has more airlines you can use more then Amex? also I read that Amex charges you $ to transfer points to airline miles and the sapphire is no charge. On the other hand Amex has more points on restaurants and stuff like that. I eat it out a lot and like to shop so can you transfer those points to miles as well? I can't really make a decision haha
Great video! Do you happen to know if Capital One Venture X Miles can be pooled together? Or if when booking flights, would my spouse and I have to book our own tickets separately under our own frequent flyer accounts?
I need to know what people are spending when just earning points normally. I can’t wrap my head around what people are buying every month to churn these points. If it’s mainly restaurants and groceries how are you spending on other cards. Vs wth do you buy every month? You can’t just buy junk to buy junk.
This is the way to do it! Lots of people add a Player 3 onto this strategy as well for even more rewards… who knows Daniel, you might have a P3 one day 😉
Can you do a video on strategic cancelling of cards? Which ones, how to assess, etc. You touched on it here with you and your fiancée not both needing the sapphire.
Don't cancle your credit card, ever. It effects your credit negatively. He was talking about down grading the card, from a high level card to a lower level card within the same credit card company.
Adding new credit cards every 3-6 months is an awful idea. It negatively effects credit rating, and lessens available credit on each new card. We keep cards for 5-7 and credit lines of 40,000+ on multiple cards and a rating of 800+
@@texasgirl6000you 100% can cancel a card, especially after the 2nd annual fee hits. (Even more so for amex charge cards) And if you have a decently lengthy credit history, it may actually increase your score as your average age of accounts will actually increase
The thing that always kinda stumps me with 2p mode are those referral bonuses. Sure - I can share my link with my partner, but what if they found a higher signup bonus by opening up an incognito browser or by getting a targeted offer? Can you actually double-dip - let them use their higher targeted offer AND your referral link at the same time?
My wife opened the AMEX site for the Gold card and it said 60,000. I visited the same site on my laptop and got a 75,000 special offer. We were going to have her use my laptop and get a referral from a family member when she clicked on an offer from a card comparison site and was offered a 90,000 point opening bonus which we couldn’t get if we used the referral link so we just took the 90k.
do you and your wife have any joint CC's? or do you both mostly keep separate accounts. I just got married and trying to figure out the best card we can both use.
I just listened to a podcast where the family opened southwest credit cards in order to gain two companion passes to travel with their kids - what are your thoughts on this versus using a chase or capital one card for their point values? I’m new to this game so I’m trying to learn as much as possible!
How does this strategy play out in the long term? 48 months in, you each have a number of cards and you’ve collected the signup bonuses, which is great for now but you can’t just keep opening cards indefinitely. Wouldn’t that make this short term? Once you’ve opened all your accounts, you’re not going to close all the cards and start over are you? How do you keep this going over the long term and I suppose I mean getting the signup bonuses because that’s where the real benefit is.
Booking flights, hotels and other services via credit card portal is about 30% more expensive then it is on third party websites. Often times, i get way better deals on purchasing air fare directly from the airline. Opening several credit cards is great but it pulls your credit every time. I find that using points to upgrade to a better class on the plane is not worth it and expensive. I rather buy a decent seats and then upgrade directly with the airline for business class. The left over seats usually sell at a heavy discount.
Im 8:10 in , you have the bilt card which is cool but the card is from isn’t from chase and I was wondering how can the point s gain be use with chase or capital one cards 💳 it’s not like they are connected right
Hi Daniel Braun my wife and I recently started this credit card journey, inspired directly by your videos. I got my first credit card, the AmEx Platinum, while she got the Chase Sapphire Reserve and by having an unrelated friend refer her, got her own AmEx Platinum card with a 150,000 point sign up bonus. My referral was only giving her 80,000 points. The waived fees make this a very interesting deal. Thanks for your content.
Do you pay off all of your cards from a joint checking account, or do you pay different cards from either her checking account or your checking account? Do you use all of the cards for joint expenses or are some of the cards for your or her separate personal use?
I just started a business and one of the goals that I have is to use the new business credit card points, that I accumulate through the business, for travel with my family. One trip in particular is a dream trip to Tokyo Japan. Please share a strategy or method to reverse engineer a particular trip using points please. Thank you for your content!
chase awards travel is currently running 55k points, or the equivalent of $550 for award travel to HND from PHL next september (and many other dates). take the bullet to hakone, kyoto, then osaka. first, rent a car out of kyoto, costs $150 for 3 days, with extra ins/and all fuel... 26% discount on the yen right now vs USD. $10 at any bar for wagyu hibachi meal... sushi is better and way cheaper... hotels, $45 for business class in kyoto, or 4 star $150 goood luck on your trip
Great thoughts on the hotel value vs. flights!! ....But on another note, doesn't the flight to Paris from NY seem crazy high? $6800? Really? Try google flights and get much cheaper flights and just pay cash. I just hopped on and found one round trip ticket for a week at $250! Granted, they're usually more, but only about $500/ticket. You're not getting a good deal by using points if you're purchasing overpriced tickets/reservations.
Me opening a tjmaxx card on accident because I thought it was a rewards program & not an actual credit card 😅 now I have no purpose to use it because I rarely ever go shopping anyway haha! Just made me think about it since mentioning the store credit cards being no good🤣
A caveat is that cobranded cards can be good for the right person. In your early 20's when most ppl are getting into the game and you may be moving around with diff airlines and diff hotels, it makes a lot of sense to get the flexible point cards like a Chase or Amex card. But if you fly a lot of Delta, the Delta cards can give you a lot of benefits like free checked bags, seat upgrades, statuses that you couldn't get with cards like Amex Gold or even Plat. You're right in that the cobranded cards aren't great for points back typically, but they're usually a lot better in terms of perks that are hard to quantify
You don't have to get the card to join the frequent flyer program. In some cases the card adds an additional multiplier to the rewards and gets you into the program faster, but most of the time you get just as much points with a different card and the regular reward program.
My fiancée and I do similar strategies. It’s more my thing and she plays along lol. Question though….. do you know if you can transfer chase points from a lower tier to the sapphire reserve? Like from the freedom flex
Thanks for deep explanation on it was EXACTLY what I was looking for. My wife was an authorized user on my CHASE CARDS to maximize spending. Now we are going to get her own TRIFECTA to get the bonuses. My question is if she gets the Sapphire Preferred and request to bring it down to the Flex or Unlimited are we able to get the bonus as if she signed up for it? Or should we collect the bonuses from FLEX and UNLIMITED first, then collect the bonus from the SAPPHIRE PREFERRED. Before the 1 year mark request it to be switched to the FLEX or UNLIMITED? Thanks for everything Daniel!
When you call and "Ask Chase to link your Sapphire Preferred to her Chase Account" - Is that the same as adding an authorized user? Or is this different? And if so, is there a fee to "link" them? Thanks!
Hey Jacob, this is different! She already has the Chase card herself that earns UR points so all she did was call Chase and say that she had points and wanted to transfer them to me so that we could book travel together. She gave the Chase rep my card number and then my card appeared in her Ultimate Rewards account under the Combine Points tab so that she could move her points to my card
@@ryanccc777 well ok great. I didn't know and couldn't understand why have so much diversity if you couldn't combine points from different cards to the same partner where applicable
The flight vs. Hotel discussion has been one I’ve been struggling with but I think after this I’m definitely going for Hotels. Like you say, being in a business class flight is great but it’s only 6-8 hours for places I’m thinking of going and I’d rather spend 4-5 DAYS in a nice hotel vs 1/3 of a day on a flight. Thanks!
That depends. I just took first class on Japan Airlines for 80k American Airlines miles. 11 hour flight. For about $800. But I’m 6’2” 230 lbs. I don’t think I could survive for 11 hours in coach to Tokyo. Was a great experience that I’d never be able to pay cash for. But if you can hang out in coach and focus all your points onto hotels I can’t argue with it
If you're doing destination travel and not a staycation, it's unlikely you're going to be in your hotel room beyond sleeping and getting ready. Perhaps taking a nap. The amount of waking time you're in your hotel room is maybe 2-3 hours per day. Whereas I find it hard if not impossible to sleep on a flight.
But the thing is, when you’re traveling you’re not spending majority of the hours in the hotel. You’re out and about for at least 10-12 hours, going back to the hotel just to shower and sleep.
Unless you’re going to a resort for the hotel like All Inclusive Cancun hotels
Also 6’2 and 200 lbs. I’m never flying coach over 4 hours.
@@StephenLester-kl7oyagreed this is my mindset
This is probably the most concise and informative credit card strategy video I have seen so far, and I've seen a lot of these videos. Thank you for sharing all this!
The Player 2 game unlocks some insane value in the credit card world. I'm just getting introduced to it after having my gf open her first credit card (the Chase Freedom Unlimited), but I'm excited to keep doing more of it! Side note, those are some awesome redemptions y'all got. Looking forward to hearing about more to come!
This is good. Last time I did one of these types of videos I was at $23,000. Probably at over $50k now, maybe need to do an update. At yeah 2 min layer mode really rocks
Yeah 2 player mode is awesome! We’ve got a few more trips later this year so our value is gonna keep climbing too. You’ve referenced some really great flights and hotel stays in your videos so $50k doesn’t surprise me haha - definitely wanna see an update!
😂 this is funny and ironic, been sub'd to both ya'lls channels; just need Sebby to comment for the trifecta 😂 this is an awesome points rewards breakdown vid, too; Simple, Clear, Concise, Prioritize and Execute.
It’s always great being able to experience the travel you get from points together! Makes it that much better!
Totally agree, it's been so fun getting to experience this travel together that we've both worked towards!
No it doesn’t.
Great video! Holy smokes your channel is growing so fast! You’re definitely hitting 100k by the end of the year!
Thanks Jake! Haha yeah I'm really excited with the growth and looking forward to hitting that 100k milestone very soon! Appreciate the support man
A Two-Player setup is sooo valuable for unlocking significantly more value from CC Points & experience some really cool travel experiences with your significant other as well! Great video Daniel!
10:40 & 13:43 While Hyatt hasn't devalued their points program, yet, they're still the only hotel chain who is 🤨 *holding out on their members to provide them with more value when booking entirely with points.* The Hyatt still *doesn't offer a Stay 4 Nights, Get the 5th Night Free (Marriott & Hilton)* or *Stay 3 Nights, Get the 4th Night Free (IHG Hotels)* program. Also, I noticed the majority of their rooms in lower categories (1-4) don't even come with a microwave, for starters. Just a heads up.
Thank you for mentioning the hotel vs flight thing, most seem to ignore it. Even on flights to Asia, where I’m spending 18 hours on 2 legs of a flight, I’d rather put the money/points into hotels, for the same reason I won’t pay triple for a luxury Uber: I see transportation and accommodation as being completely different (except cruises which are sometimes both). Plus my air travel rarely falls into the sweet spots where it’s worth it, so the taxes and fees are somet8mes S much as I would pay for an economy flight. So I compare what the points would get me in a hotel for the stay vs the flight, and the hotel is always the clear winner.
Thanks for this Danny. Just remember not to "force spend" and always payoff on time in order to maximize value from the front-end. It's how you redeem on the back-end that determines the real value you get
Daniel your content has 10x since I first found you & you have the perfect voice for this btw thank you for sharing all this knowledge
Thank you so much for saying all of that Cheyenne! I really appreciate the support!
As much as I hate to admit it, I'd rather have a nice hotel room than a first class flight 😪 It feels amazing to eat meals on the plane, free alcohol , and to lay flat. BUT having a nice hotel room for a much longer time than a flight is the better move for me.
Great video, my girlfriend and I have more or less been using this same strategy to stack up points! That's a good tip about saving Chase/Bilt points for Hyatt hotels vs Amex points for flights. I made the mistake of recently using most of my chase points towards flights for us but later realized that it probably would've been better spent on hyatt hotels...
Very good strategy! Whenever I do get myself a p2, it’ll be time to completely crush the game.
real informative vid!
Thank you for your videos Daniel! Your channel is an amazing resource and deserves a lot more recognition!
Thanks to you, at age 22, I have opened my next two credit cards as I am soon moving out of my parents house. Going with the Bilt for my rent and CSP for the sign up bonus and great travel benefits. Looking forward to adding my girlfriend into the credit card game as well to have a good 2 player setup like you guys do!
Having a Player 2 helps so much in the CC game. Thanks for the info + video!
Thank you so much for sharing! This is a topic that I have been wondering a lot about. I know a lot of people that are interested in doing this and are looking for ideas. I'll be sharing this video a lot! Thanks again!
Amazing video, great visuals . This helps a ton! I'm just getting started in this game
Thanks for this video! I didn't even think about making credit cards a two player game! Sign-up bonuses, referral bonuses, and traveling together!
Well I carry 75% of the work load in cleaning our place. So I think it’s a good balance😜
Fair point… I probably forgot to do the dishes once or twice last week as I was working on this video 😂
Haha love it when the comment section gets meta.
Nice video. Great information
I'm thinking about getting chase sapphire card.
Brilliant! I like the way it was explained
Nice observation on the flights vs hotel redemption utility. Never thought of it like this. Flight is only 7 - 8 hours and you need 2 ticket whereas a Hotel room can be enjoyed by 2 people for a single redemption. Would love to see more examples of high utility redemption on Amazing Hotels.
thank you for making this video!! as i move in with my partner soon, this information couldn't be more relevant and essential. i really appreciate you explaining this in depth!
I just applied for the Bilt credit card(10,000 limit) after watching your video a few months ago. I used your referral code. Keep up the good work.
Wish Amex will make a premium platinum card. Like platinum and gold all in one card . Annual fee is $1,000 Im in! So no need to carry two separate cards. Anyway So you prefer to spend your points on luxury hotels aVS business flights -shorter and more expensive) that make sense. Keep up the great work !
Spot on
2 player game is where it's at! Especially in hotel cards and with referral bonuses!
Nice videos, can you make one with capital one cards savor and venture x
Any tips to starting a TH-cam channel. I saw your first video and your editing got amazing! Do you write a script before you shoot on how to present the video?
Great video! Quick question on opening new credit cards to get offers...opening a credit card is fairly easy but what about closing one? It seems that you have a good number of credit cards, are you thinking of closing some so you can re-apply and get the offer again? I heard from the past that closing a credit card is not recommended as it hits your credit score negatively.
Never close out your credit card it does effect your credit negatively. I found out the hard way many years ago.
I have this same question - actually asked it here as well but since you haven’t received an answer in 3 months I won’t hold my breath. You can’t just keep opening cards non-stop so this strategy eventually runs its course when you’ve “maxed out” your number of cards or revolving accounts. The only solution that I see is to close cards so that you can reapply for the bonuses. Otherwise, this strategy is only a one time big shot of points and then you’re back to just earning on spending. I would like to know how to keep the game going long term.
Great video! Is your player 2 an AU or does she have her own card? E.g., do you share an Amex gold or do you each have your own?
Can i refer a cc to an authorized user or do i need to remove them an au first?
Thank you for the video. Does the BILT card give you travel points/miles that I can redeem for airlines or hotels, or is it just cash back?
Thanks! We plan on using our points for our Summer Thailand and European Christmas market trips to Get Travel Content for our Channel, Chasing Charisma. We will let you know how it goes!!
Hey Daniel. Great Content. How do you feel about cashing out your chase UR points and using that cash value to invest in a stock market fund like the VTI with returns of 10% or more yearly for those people looking to maximize points long term.
Nice
Thanks for watching James!
This is awesome! I’ve been contemplating on how to use my Hyatt points. Might go to NYC just for fun this summer since I’ve only been once and it was during a winter storm lol. Would you say 2CPP is a good use of points? I know there are higher redemption options out there but typically abroad, which is not an option atm
How do you keep opening credit cards for the bonus without fucking your credit score to shit?
That’s how I roll! Player 2 is the game💪
Absolutely! We've been able to get so much more value with the 2 of us doing this setup with our credit cards!
Can you make a video around any new credit cards you and your fiancé will be opening to maximize points accrual for your wedding expenses?
Sincerely,
Another fiancé 🙋🏻♀️
What allows you to link Chase accounts to share points? I know you mentioned fiancé and I always assumed you needed to be married and share a last name. Does domestic partner qualify? Thank you for the insight and great video!
Just call Chase and yeah my domestic partner and I were able to link our cards
My wife and I churn out about $4k a year in total rewards. You guys are killing it.
chase?
@@augustm4467 Variety.
AMEX Gold gave us $1,800 the first year (counting 100k promo offer)
It also saved me about $400 in purchase protection.
Discover 5% cashback nets us about $400 in gift cards a year
Prime Visa 5% another $200 per year
Rakuten/Retailmenot (not credit card) another $400 in cashback. Strongly recommend Rakuten.
American Air/United/Delta etc miles - $1,200 (we fly about 3-4x per year each)
It's just me and my wife, we don't spend a lot. We also have WF Visa (2% on everything) for instance where AMEX/Discover isn't 4% or 5 and will only offer 1%.
What about guys who want to travel alone ? I like to travel alone. Any tips for the singly wayfarer?
How did you fly out to Napa Valley? Did you pay cash or redeem points for that?
Great video, keep it up. Congrats on the player 2 help. My player 2 is super frugal, so after the SUB, she doesn’t generate many points.
Current setup: CFF, CFU, Costco visa, WF autograph, Amex Platinum,Amex Gold & BCE.
Possible Future cards: Chase: CIP or CSP, CIC. Amex: BBP
Although, if I drop the Platinum one day, I may go to VX just for priority pass/plaza premium lounge access.
Thoughts on best combo of Amex/Chase cards to complement each other & keep most spend in the Amex/chase ecosystems?
Sup man I'm a big traveler myself. In your opinion between the Amex gold vs the sapphire preferred which would give me more flying miles? Strictly for flying only. Is it true that the sapphire has more airlines you can use more then Amex? also I read that Amex charges you $ to transfer points to airline miles and the sapphire is no charge. On the other hand Amex has more points on restaurants and stuff like that. I eat it out a lot and like to shop so can you transfer those points to miles as well? I can't really make a decision haha
Great video! Do you happen to know if Capital One Venture X Miles can be pooled together? Or if when booking flights, would my spouse and I have to book our own tickets separately under our own frequent flyer accounts?
Now the big question, how do I find my player 2 to use all these knowledge I gained?
so other than hyatt, are other hotels not really good for using points?
Where do you get those shirts from?
Wow, thank you for all this great info. Anyone know what’s the best way to redeem Citi points? Flights, hotels, etc
How do you find out the best way to transfer points? I.E. certain hotel or airline partners. Currently have an AMEX Gold w/ a few points.
The introductory bonus is one time only so not a long term strategy?
I need to know what people are spending when just earning points normally. I can’t wrap my head around what people are buying every month to churn these points. If it’s mainly restaurants and groceries how are you spending on other cards. Vs wth do you buy every month? You can’t just buy junk to buy junk.
I use my credit card for everything except rent and utilities. This means gas, food, phone bill, dr appts, travel, and anything else I would buy cash
This is the way to do it! Lots of people add a Player 3 onto this strategy as well for even more rewards… who knows Daniel, you might have a P3 one day 😉
Do you still use the Amex trifecta? or is it better to just have one
Can you do a video on strategic cancelling of cards? Which ones, how to assess, etc. You touched on it here with you and your fiancée not both needing the sapphire.
Don't cancle your credit card, ever. It effects your credit negatively. He was talking about down grading the card, from a high level card to a lower level card within the same credit card company.
Adding new credit cards every 3-6 months is an awful idea. It negatively effects credit rating, and lessens available credit on each new card. We keep cards for 5-7 and credit lines of 40,000+ on multiple cards and a rating of 800+
@@texasgirl6000you 100% can cancel a card, especially after the 2nd annual fee hits. (Even more so for amex charge cards) And if you have a decently lengthy credit history, it may actually increase your score as your average age of accounts will actually increase
The thing that always kinda stumps me with 2p mode are those referral bonuses. Sure - I can share my link with my partner, but what if they found a higher signup bonus by opening up an incognito browser or by getting a targeted offer? Can you actually double-dip - let them use their higher targeted offer AND your referral link at the same time?
My wife opened the AMEX site for the Gold card and it said 60,000. I visited the same site on my laptop and got a 75,000 special offer. We were going to have her use my laptop and get a referral from a family member when she clicked on an offer from a card comparison site and was offered a 90,000 point opening bonus which we couldn’t get if we used the referral link so we just took the 90k.
do you and your wife have any joint CC's? or do you both mostly keep separate accounts. I just got married and trying to figure out the best card we can both use.
If i had a player 2, playing the CC game would be a bit easier for sure.
Can you accumulate points from chase as well from blt card to use in one trip?
I just listened to a podcast where the family opened southwest credit cards in order to gain two companion passes to travel with their kids - what are your thoughts on this versus using a chase or capital one card for their point values? I’m new to this game so I’m trying to learn as much as possible!
How do have travel insurance come along with travel plan / points cards . Which one is the best ?
How does this strategy play out in the long term? 48 months in, you each have a number of cards and you’ve collected the signup bonuses, which is great for now but you can’t just keep opening cards indefinitely. Wouldn’t that make this short term? Once you’ve opened all your accounts, you’re not going to close all the cards and start over are you? How do you keep this going over the long term and I suppose I mean getting the signup bonuses because that’s where the real benefit is.
Booking flights, hotels and other services via credit card portal is about 30% more expensive then it is on third party websites. Often times, i get way better deals on purchasing air fare directly from the airline. Opening several credit cards is great but it pulls your credit every time. I find that using points to upgrade to a better class on the plane is not worth it and expensive. I rather buy a decent seats and then upgrade directly with the airline for business class. The left over seats usually sell at a heavy discount.
Im 8:10 in , you have the bilt card which is cool but the card is from isn’t from chase and I was wondering how can the point s gain be use with chase or capital one cards 💳 it’s not like they are connected right
We can call chase up and combine credit card points with our boyfriend/girlfriend?
So once you get a sign up bonus from a card you won’t continue to use, what do you do with it then? Especially if it has an annual fee
Cancel it or threaten them to cancel so that they waive the fee for a year
Don’t see the budgeting template video in the description?
Just added it to the description! Thanks for letting me know. Here it is as well: th-cam.com/video/8CTvAvA8iq4/w-d-xo.html
Is it better to have each personal amex card than adding her to your authorized user?
Hi Daniel Braun my wife and I recently started this credit card journey, inspired directly by your videos. I got my first credit card, the AmEx Platinum, while she got the Chase Sapphire Reserve and by having an unrelated friend refer her, got her own AmEx Platinum card with a 150,000 point sign up bonus. My referral was only giving her 80,000 points. The waived fees make this a very interesting deal. Thanks for your content.
Do you pay off all of your cards from a joint checking account, or do you pay different cards from either her checking account or your checking account? Do you use all of the cards for joint expenses or are some of the cards for your or her separate personal use?
I just started a business and one of the goals that I have is to use the new business credit card points, that I accumulate through the business, for travel with my family. One trip in particular is a dream trip to Tokyo Japan. Please share a strategy or method to reverse engineer a particular trip using points please. Thank you for your content!
chase awards travel is currently running 55k points, or the equivalent of $550 for award travel to HND from PHL next september (and many other dates). take the bullet to hakone, kyoto, then osaka. first, rent a car out of kyoto, costs $150 for 3 days, with extra ins/and all fuel... 26% discount on the yen right now vs USD. $10 at any bar for wagyu hibachi meal... sushi is better and way cheaper... hotels, $45 for business class in kyoto, or 4 star $150 goood luck on your trip
This guy talks at 1.5 speed love that for him
Bro is literally the guy from White Lotus season 1
Great thoughts on the hotel value vs. flights!!
....But on another note, doesn't the flight to Paris from NY seem crazy high? $6800? Really? Try google flights and get much cheaper flights and just pay cash. I just hopped on and found one round trip ticket for a week at $250! Granted, they're usually more, but only about $500/ticket. You're not getting a good deal by using points if you're purchasing overpriced tickets/reservations.
Can you make a course for this?
Me opening a tjmaxx card on accident because I thought it was a rewards program & not an actual credit card 😅 now I have no purpose to use it because I rarely ever go shopping anyway haha! Just made me think about it since mentioning the store credit cards being no good🤣
A caveat is that cobranded cards can be good for the right person. In your early 20's when most ppl are getting into the game and you may be moving around with diff airlines and diff hotels, it makes a lot of sense to get the flexible point cards like a Chase or Amex card. But if you fly a lot of Delta, the Delta cards can give you a lot of benefits like free checked bags, seat upgrades, statuses that you couldn't get with cards like Amex Gold or even Plat. You're right in that the cobranded cards aren't great for points back typically, but they're usually a lot better in terms of perks that are hard to quantify
You don't have to get the card to join the frequent flyer program. In some cases the card adds an additional multiplier to the rewards and gets you into the program faster, but most of the time you get just as much points with a different card and the regular reward program.
Do you know anything about DBS Bank cards for travel?
I know you do credit cards, but what card can you use to get points when you pay your mortgage?
The BILT card right now only does renting but its rumored to have Mortgages added later
@nakahili539 , that's because you can't pay your mortgage with a credit card, as well as a auto loan.
I do wish Costco and Walmart were included in that grocery store category.
I only use my points for hotels.
Looking to park a hotel card with my sky miles card. Any suggestions on what cards would be good with not to high of an annual fee?
My fiancée and I do similar strategies. It’s more my thing and she plays along lol. Question though….. do you know if you can transfer chase points from a lower tier to the sapphire reserve? Like from the freedom flex
Yes. You can
Used my chase points for business class seats to Rome for out honeymoon this fall. 75k points and would have been 3k + in cash
for the sign in bonus, can i get the card buy with and return the items and will still count for bonus limit?
I wouldn't risk returning
Wow, this video is eye-opening! I have the Bilt Credit card and it's my favorite now. What's your fav perk of your cards?
What’s the best credit card for travel to everywhere or hotels?
Thanks for deep explanation on it was EXACTLY what I was looking for. My wife was an authorized user on my CHASE CARDS to maximize spending. Now we are going to get her own TRIFECTA to get the bonuses. My question is if she gets the Sapphire Preferred and request to bring it down to the Flex or Unlimited are we able to get the bonus as if she signed up for it?
Or should we collect the bonuses from FLEX and UNLIMITED first, then collect the bonus from the SAPPHIRE PREFERRED. Before the 1 year mark request it to be switched to the FLEX or UNLIMITED?
Thanks for everything Daniel!
If your player 2 is your spouse (and they are an authorized user) can they separately apply for the same card?
When you make someone an authorized user on the Amex Platinum.. can both of you get TSA or can only one person get it for the account?
If your opening new cards every 6 months or so, are you then closing out the cards after you’ve collected the sign on bonus points?
does if work if you're married?
When you call and "Ask Chase to link your Sapphire Preferred to her Chase Account" - Is that the same as adding an authorized user? Or is this different? And if so, is there a fee to "link" them? Thanks!
Hey Jacob, this is different! She already has the Chase card herself that earns UR points so all she did was call Chase and say that she had points and wanted to transfer them to me so that we could book travel together. She gave the Chase rep my card number and then my card appeared in her Ultimate Rewards account under the Combine Points tab so that she could move her points to my card
So not an authorized user
@@Daniel_Braun Awesome, makes sense. Thanks!
@@Daniel_Braunso you mean its better to have your own cc than adding them as authorized user ? Correct? Is that also the same with AMEX?
what brand are your shirts?
Is it possible to combine points systems for the same reward? Could you use Citi points and Chase points over to Hyatt?
Hey Russell, Citi doesn’t transfer to Hyatt, but both Chase and Bilt do so in that case you could transfer points from each card to Hyatt
@@ryanccc777 well ok great. I didn't know and couldn't understand why have so much diversity if you couldn't combine points from different cards to the same partner where applicable