I eat a lottttt haha so the Gold Card works really well for me for Grocery & Dining Spend. The Capital One Savor is a great, more affordable option as well! Great video Joe!
Matt! I truly appreciate you watching and sharing your experience and thoughts! Thank you for your kind words! I would love to have you on a live! Let me know if you are up for it. I’m in Anthony’s Discord and my email is thecreditcardconnection@gmail.com. I would love to hear from you ! Cuídate!
Stevo!! It really is a great card! The multipliers on hotels, etc are great! It is such a powerful card for only $95! Thanks for watching and sharing your experiences on the cards!
That’s awesome! I couldn’t use the Gold as much because I shop at Costco and Target a lot. It didn’t make sense to only be able to use 1/2 of the multipliers from the Gold card and pay $325 a year. Instead of canceling I should have downgraded. My mistake !
Great rundown, Joe. At the start of 2025, I will be using the Hilton Surpass as my grocery card for an annual $15k of spending to earn the uncapped free night and 90k points each year.
Professor X! That is a great card and an amazing way to earn the free night and a crazy amount of points! I really thank you for watching and sharing your thoughts about your plan! Thank you for the kind words! Happy Thanksgiving !
Lmaooooo! Bro, you are always working the subs! 🤣 But you make a great point! It’s hard to extract max value from any card when you are constantly meeting spend requirements to meet subs!
I really want that duo! I have to wait for C1 to give me access to their cards! lol. I love the fact that the orange card is for oranges! 🤣 thank you so much for watching and commenting! I appreciate it!
Kevin! That is on my “To Get List” lol. I really thank you for watching and sharing your experience with the card. Is it the only Capital One Card you have? Or do you have a Venture card as well?
I wish I used my Gold card correctly. Probably my biggest mistake was getting this card too early!! Hard to get 4x when you are always working on a SUB. Thanks as always for the video Joe❤
Phil, I think you and I are spirit animals! Looking back, I did the same thing. I never gave it a fair shot! Thanks for bringing that up! It makes a lot of sense! ❤️
Oh wow! You know what? That’s a huge miss for these credit card issuers ! Great point! Citi or Wells have a huge opportunity in this space. Thank you for watching and commenting! I appreciate you James!
Good video uncle Joe, do you know much about Comenity bank? Mainly any credit card application guidelines? Really would like to apply for that AAA daily advantage card.
Rowdy!! How are you ? Comenity Bank is not the greatest! They have a ton of co-branded cards that tend to be store cards! However, the one card that is their best card is the AAA card! I will be applying to it in the next couple of months. It is a sleeper card with a lot of great upside ! If you are looking for a card to meet your spending needs, this is it! Thanks for watching and commenting! I appreciate you Rowdy!
@ thanks uncle Joe. I applied this morning for the Daily Advantage. We’ll see how it goes. Didn’t get immediately approved and got a message saying they’ll mail me a response in a few days. I’ll let you know if I learn anything.
@Rowdyyy_rod please let me know. I hope you get it! We can always talk offline and get a plan in place if it doesn’t work out. There are a lot of cards out there to choose from that might meet your needs. Thanks for sharing this with me! I appreciate you !
I applied for the AAA daily advantage a few months ago and they said they would mail me their reply. Their reply took two weeks and it said they wanted to verify my identity and to email them a copy of my drivers license and utility bill. I encrypted my email to them since I wanted to make secure these important documents over email. Two weeks later they send me another letter asking to resend the documents unencryted. At that point I decided to cancel the application since it was a wasn't worth the hassle. I think Amex and Chase have us spoiled, once we deal with subpar banks like this one, it makes me appreciate Amex and Chase a lot more. Great video Joe!
Drew! That is an excellent question! To be honest, I don’t think most people do the math. That is why I had a member of cards with different price points to compare. I couldn’t justify the $325 fee for the Gold especially because the grocery spend just wasn’t there and I was tired of jumping through hoops to get “value” from it . I appreciate you watching and sharing your thoughts! Have a great evening!
OW, you are not wrong. I live the fact that you can choose one category a month for the 5% back. That’s the only issue. You can choose just one. These cards cover both expenses . Thanks for sharing the PayPal info!
@docsays nope! This is from their site : No, the Citi Strata Premier card does not have a cap on the number of ThankYou points you can earn, meaning there is no limit to how many points you can accumulate on eligible purchases; you can earn points on all spending categories without a cap on the rewards you can collect.
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My first time watching you. I just subscribed. Great job on TH-cam ♥️
Vicki! Thank you so much for watching and subscribing! I truly thank you for your kind words! ❤️
I use the Amex or the strata for groceries and while I have the savor card I like to stay within the Citi and Amex eco system
Guard! Thank you for watching and sharing your experience! That’s the smart way to use the cards. Keep it within the ecosystem you use the most!
I eat a lottttt haha so the Gold Card works really well for me for Grocery & Dining Spend. The Capital One Savor is a great, more affordable option as well! Great video Joe!
Matt! I truly appreciate you watching and sharing your experience and thoughts! Thank you for your kind words! I would love to have you on a live! Let me know if you are up for it. I’m in Anthony’s Discord and my email is thecreditcardconnection@gmail.com. I would love to hear from you ! Cuídate!
Although I got the Savor for Excellent credit, I think it's one of those cards that if you pass on the sub, its still a good card
100%! For me it’s. Just the outrageous APR and no 15 month break
Oh man forgot all about that Savor good vs excellent credit silliness
That’s the main problem I have with the Capital One cards! lol Happy Thanksgiving!
That Strata Premier is awesome. 10x on hotels through the portal is huge.
Stevo!! It really is a great card! The multipliers on hotels, etc are great! It is such a powerful card for only $95! Thanks for watching and sharing your experiences on the cards!
La strata es muy poderosa calidad precio aunque prefiero la savor para unirla a la venture x
Reynel!! Tienes razón! Pero Capital One no me quiere! Lol. No me dejan aplicar! Gracias por ver el video y por comentar!
Same reason I don’t have the savor. Can only get the good one. I spend 5-10k a month on grocery and don’t have a grocery card 😢😢
Ian! What about the Strata Premier? That’s the one I use.
- thats a lot of points you missing out on!
It truly is Doc. I can’t get the Savor, so my next best option is the Strata Premier
I always forget how good those AAA cards are. Thanks for the info + video!
Jimmy! Those cards are 🔥🔥🔥! They are so underrated! Thank you for watching! ❤️
Hi Joes
I currently have 4 cards i use for groceries:
Amx Gold
Cap1 Savor
Andrews Titanium (3x)
Target Redcard
Most of my grocery spend goes on Gold
That’s awesome! I couldn’t use the Gold as much because I shop at Costco and Target a lot. It didn’t make sense to only be able to use 1/2 of the multipliers from the Gold card and pay $325 a year. Instead of canceling I should have downgraded. My mistake !
Great video, 👍
Thank you so much! I appreciate you watching and taking the time to comment! 😊
Great rundown, Joe. At the start of 2025, I will be using the Hilton Surpass as my grocery card for an annual $15k of spending to earn the uncapped free night and 90k points each year.
Professor X! That is a great card and an amazing way to earn the free night and a crazy amount of points! I really thank you for watching and sharing your thoughts about your plan! Thank you for the kind words! Happy Thanksgiving !
Great info! If I wasn’t churning I would be getting amazing value from the Gold.
Lmaooooo! Bro, you are always working the subs! 🤣 But you make a great point! It’s hard to extract max value from any card when you are constantly meeting spend requirements to meet subs!
@ opened the aspire last week 😂. Maybe after that one I’ll taken a break but probably not 😂
Thumbs up 👍
Thank you so much! You know I appreciate you!
The C1 duo has been great start for my P2. I tell her orange card is for oranges (grocery store)😅
I really want that duo! I have to wait for C1 to give me access to their cards! lol. I love the fact that the orange card is for oranges! 🤣 thank you so much for watching and commenting! I appreciate it!
Hola mi gente
Apoyando a los latinos
Gracias por tu apoyo Jackie! Te lo agradezco!
I sure hope you get that savor card from capital one because I sure have it. It's an awesome card my friend.
Kevin! That is on my “To Get List” lol. I really thank you for watching and sharing your experience with the card. Is it the only Capital One Card you have? Or do you have a Venture card as well?
I wish I used my Gold card correctly. Probably my biggest mistake was getting this card too early!! Hard to get 4x when you are always working on a SUB. Thanks as always for the video Joe❤
Phil, I think you and I are spirit animals! Looking back, I did the same thing. I never gave it a fair shot! Thanks for bringing that up! It makes a lot of sense! ❤️
I’m dying for a gold card, I can’t do it with out a sub tho
@iankm1 lol! I hear you ! For you it would make all the sense in the world! They aren’t even offering you an upgrade from the Green to the Gold?
I own a restaurant. I wish there was a good grocery business card.
Oh wow! You know what? That’s a huge miss for these credit card issuers ! Great point! Citi or Wells have a huge opportunity in this space. Thank you for watching and commenting! I appreciate you James!
Barclays Wyndham biz currently has a targeted offer this quarter for me actually on grocery stores… interesting…
@youtube.experiment that’s so cool. I got one for the Hyatt card as well. lol
@@ThecreditcardconnectionI didn’t know you had Hyatt business card… was it worth it?
I misspoke! I got the offer on the Hyatt personal card. I don’t have the business version.
Good video uncle Joe, do you know much about Comenity bank? Mainly any credit card application guidelines?
Really would like to apply for that AAA daily advantage card.
Rowdy!! How are you ? Comenity Bank is not the greatest! They have a ton of co-branded cards that tend to be store cards! However, the one card that is their best card is the AAA card! I will be applying to it in the next couple of months. It is a sleeper card with a lot of great upside ! If you are looking for a card to meet your spending needs, this is it! Thanks for watching and commenting! I appreciate you Rowdy!
@ thanks uncle Joe. I applied this morning for the Daily Advantage. We’ll see how it goes.
Didn’t get immediately approved and got a message saying they’ll mail me a response in a few days. I’ll let you know if I learn anything.
@Rowdyyy_rod please let me know. I hope you get it! We can always talk offline and get a plan in place if it doesn’t work out. There are a lot of cards out there to choose from that might meet your needs. Thanks for sharing this with me! I appreciate you !
I applied for the AAA daily advantage a few months ago and they said they would mail me their reply. Their reply took two weeks and it said they wanted to verify my identity and to email them a copy of my drivers license and utility bill. I encrypted my email to them since I wanted to make secure these important documents over email. Two weeks later they send me another letter asking to resend the documents unencryted. At that point I decided to cancel the application since it was a wasn't worth the hassle. I think Amex and Chase have us spoiled, once we deal with subpar banks like this one, it makes me appreciate Amex and Chase a lot more. Great video Joe!
Do people really assess the break even amount for annual fee cards? when you do the math, the high annual fee cards are nuts in general
Drew! That is an excellent question! To be honest, I don’t think most people do the math. That is why I had a member of cards with different price points to compare. I couldn’t justify the $325 fee for the Gold especially because the grocery spend just wasn’t there and I was tired of jumping through hoops to get “value” from it . I appreciate you watching and sharing your thoughts! Have a great evening!
Definitely dont leave a balance on that card
100% Sledge
You forgot Citi Custom Cash and Paypal debit card.
They are good cards but I don’t have them and they are not specific to both dining and grocery
@@Thecreditcardconnection They are, however you will need to have two of them. You can get 2 CCCs, 2 PP or PP and CCC.
Just get the PayPal debit card. 5 percent back
OW, you are not wrong. I live the fact that you can choose one category a month for the 5% back. That’s the only issue. You can choose just one. These cards cover both expenses . Thanks for sharing the PayPal info!
- is it capped?
@docsays nope! This is from their site :
No, the Citi Strata Premier card does not have a cap on the number of ThankYou points you can earn, meaning there is no limit to how many points you can accumulate on eligible purchases; you can earn points on all spending categories without a cap on the rewards you can collect.