My 2024 Credit Card Strategy: Maximize Points, Airline Status, Free Night Certificates
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- เผยแพร่เมื่อ 22 พ.ค. 2024
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My 2024 credit card strategy to maximize points, free night certificates, and airline status.
Timeline
0:00 Start Here
0:20 Dining, Grocery, and Rideshare Strategy
1:36 Travel Credit Card Strategy
3:10 Business Expenses
4:46 Tax Payments
6:01 Free Night Certificates
7:40 Rent
8:28 Options
9:38 Hotel Keeper Credit Cards
10:29 Airline Credit Cards
11:33 Average Credit Card Setup
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Love your videos, Sebby! You break everything down to the numbers, and I really appreciate that. Plus, the tone and candor of your videos is just really honest. You, John Liang, and Brian Jung are my absolute favorites.
Awesome, thank you!
Im just now realizing how much editing and production goes into your videos. I have learned so much from watching your channel... you helped me improve the quality of life of my family.
Thank you. 🙏
📕 Great informational video. Thank you!
📕 I like your strategy, just got my Aspire!
Excellent video as always and thanks for sharing your actual strategy. I'm personally on the Chase trifecta (Sapphire Reserve, Freedom, Freedom Unlimited) with Bonvoy Brilliant (largely Marriott loyal), and United Explorer, though with status, I'm struggling to get value there, so will either move up to Quest or drop all together. With CSR dropping Priority Pass restaurants, I'm doing some broad reevaluation as that was a valuable benefit to me. Cheers!
Looking good Seb!!!
📕 ayyyyeeeee my dawg 🤟🏽🤟🏽- think im going to try and push a Hotel set up as well this year
Great stuff, Sebby.
I’ve been following your content for awhile man, you’re always dropping valuable info. I’m under 5/24 and plan to hit the ink cards since I haven’t hit the bonus in awhile. I’ll need to replenish my Chase UR balance lol📕
📕 love your content!
📕Super helpful video!
📕 thanks for the vid. My goal is to get more hotel keeper cards as I just got the WOH card. Then the inks.
📕📕I’m rockin’ with the CSR, Gold, and Custom Cash heavy
*red book* ( I'm on my computer w/ no emojis.
My set up is up in the air. I'm only now getting into using credit cards for free travel. I have years worth of points collected on my credit cards that I haven't used and wish there was a bit of a more detailed guide as to what to do once you've collected a few credit cards and some points. Love your videos. Thanks!
Really interesting to see other people's setups, and how the more advanced credit card people are. Personally, I like to keep it simple, and have the Citi Premier, and Fidelity 2%. Plan to get the Marriot Boundless soon as a keeper card.
📕 nice update.
Your setup is solid sebby - my personal is Amex platinum & matriott for my business and chase sapphire reserve for personal. It’s worked out well, I own a Toyota dealership in Oregon always watch your vids.
Thanks for watching :)
Hey Sebby! 📕 I'm on an Amex and Marriott setup mostly. Personal and Business cards. I have the Chase Saphirre Pref as well. I need to branch out with something new for 2024.
📕 newbie just finding out there’s strategies 😅 thanks for sharing, great insight 🤝
Thank you for this. I’ve been debating about the Bonvoy Brilliant. It’s expensive but I’m already in the Marriott world because of a time share so the points could help.📕
📕 idk how unique my personal situation is but I've got 13 cards rn and they vary greatly from you! (Although about half are Chase business, the other half are on the smaller end. I figured I'd work my way up to platinum and other higher fee cards). Thanks for your content!
📕 I'm all over the place with my setup. I have the AmEx Plat, Gold, Green, and BBP that i was using. Then I thought I should go cashback since we cant travel due to other obligations. That's with BofA cards (plat honors). We also have 2 Aspires and the Hilton business card that I might cancel.
Thanks for the great content and knowledge drops!
📕 great video
📕 I’m currently transitioning from a cash back setup to more of a travel based setup honestly thanks to your videos; I’m currently running the Chase trifecta w/ the CSP primarily for booking rental cars, Freedom for the Hotels and Amazon this quarter, and just picked up the Amex gold since it works for my spend since I’m on the road a lot at eat out constantly, plus the 90k intro bonus is legit. Was considering upgrading to the CSR but the value isn’t there since Lyft/DD aren’t as good as the Uber credits Amex has and looking get the Plat after the minimum spend on the Gold is over.
Thank you for the video. I do have the capital one setup and also a four card amex. You make a great argument for the hyatt card. Since my wife and I do Vegas about 4 times a year.I would really love to get the wyndom business earner card. Since my MGM gold card win away with the divorce between Hyatt and m.G.M
I used to never value the checked bags, but after doing through DFW with a carry on and back pack, lounge, and trains from hub to hub, I will now use it. Who wants to be hustling with baggage at the lounge, or on and off the trains. With the schwab plat, I can use the lost/delayed baggage benefit if they loose my clothes and tooth paste.
📕… Love your content !! It’s been amazing to understand the “game”. I wish someone would do a video on the amounts needed to spend to reach a level. My last job, I flew M-F and so having my Amex/Hilton setup was a no-brainer. Now I’m a trucker and I can’t figure out how to rack up these points🤣
📕 thanks!!
📕thank you for the info
Hey Sebby, so I'm just getting started on this adventure but I have a pretty amazing perk few cards can touch: I work for an airline which means I can non-rev and I get a lot of travel discounts that are industry based. It's a very different way of traveling because you are always on standby but you're playing the odds constantly. The things that are important to me are lounge access, points from dining and those points going to things like hotel stays. So I decided on the CSR to start but may expand outward. I also own my own LLC so I'm interested to know what you would recommend there? My wife is already Executive Platinum Emerald with AA so we're set there but I'd either like to build airline status or hotel status.
would love to know about jetblue mint upgrade certificate. I didn't even know it existed, r that you ever used jetblue. I live in Buffalo with family in Boston and fly jetblue frequently. Been watching you for sometime as well. Any chance you could talk more about jetblue if other are interested as well? Still watching if not lol
Recently discovered your videos! Great content. Question...is there a way you manage all your travel cards, etc. Like in an app, or do you carry that thick travel binder with you everywhere? My hubby has on old school travel portfolio that is busting at the seams...it takes up so much space. I feel like there has got to be a better way to be prepared for every point eventuality without being so old school? Thanks for taking the time to make useful content! :)
📕 I started my travel setup in February, so I’ll be maximizing UR points for 2024. I got the CFF with the 5x Gas and Grocery bonus, and I’ll be under 3/24 next month. I’ll be getting the CSP (hopefully with an elevated offer) and hopefully the CIC after that (or the CFU if I get denied for the CIC).
📕Love the videos. I feel like I've been "conservatively" playing the credit card game for 7 years or so, mainly sticking with CSP, Freedom, Hyatt, and Southwest. It's only been recently that I've broadened my scope to include Marriott, Hilton, Ink, United, and eventually Amex Plat/Gold. Channels like yours have helped me develop my strategy for the next few years. My wife and I have our 20 year anniversary to celebrate in 3 years, and I am planning a points paid trip to either the Maldives, Bora Bora, or Bali, or maybe one of each haha! Thanks again for the content and ideas!
📕 My setup is pretty simple: I have the AMEX Platinum for lounge access, the USAA AMEX Cashback Rewards Plus for gas (5%) and groceries (5% at the Commissary, 2% at civilian grocery stores), and the USAA Visa Eagle Navigator for travel and transit (3X). I'm thinking of adding the Delta Platinum later this year.
📕 two card setup. Citi premier and either CFF or CFU. Only have hotel cards, boundless and WOH. For airline spend and FHR I use the platinum.
I use Venture X as everyday. Bonvoy business and personal for the elite nights and annual free nights. Then otherwise I just go for intro offers. Finishing Alaska 70k and AA business plat select 75k. Will probably go for BA 75k next.
Living abroad (Australia) right now so the US airline points go way further. 20k AA points for Qantas domestic business any length/connections for instance. 6-7.5k BA points for shorter Qantas domestic. Lots of availability.
Great vid as always
P2 and I just finished all of Chase (personal, inks & SW companion pass). On to Venture X next and then Citi. Amex probably not for another year or 2.
📕Great to see your setup Sebby! More hotel keeper credit cards are my focus for this year!
Awesome!
📕 I'm concentrating on Chase CCs, added a hotel & maybe an airline
Seems like you have both csr and amex Gold. Seems like a lot of overlap. Getting good value?
I just got the Surpass. Traveling to Denver I'll let you know how it goes
do you prefer hilton or marriott? taking into account the hilton aspire, marriott brilliant, use/value of points, locations/stays, etc?
Great strategy Sebb.
My core set-up is:
Ink Cash - 5x cable/internet, 2x gas
AmEx Gold - 4x dining/groceries
AmEx Green - 3x travel or CSP 2x
Cap V1 - 1.25x catch all (might pc to VX)
📕 I'm thinking about getting one of the ink business cards for next year's income taxes. This year was D'oh!
📘📘📘 Thanks for sharing
📕 I’m still in the same spot. I know I need to grab a good Marriott bonus when it comes available but I either need to get probably a Citi Custom Cash or Chase Freedom to earn better on the setups. Not sure about the Savor One.
Not using flex for dining expenses this quarter? Its 7x
📕 hi Sebby can you do a first 5 card set up for people who are on team travel and new to the game?
Same keeper cards from 2023 in 2024. Hoping for either an increased sub offer on the CSP or citi card to open this year.
📕That's one intense setup! As for me, Amex Plat + C1X + CSP/CFF + Inks as the core! Definitely wanna plan some trips in advance before jumping into the hotel cards and certificates. How do you keep track or use all the cards to prevent inactivity? Also @ 11:50 Gold first, then Plat!
Is there a video for the best combo cards? AmEx Plat + Gold vs Venture X + Savor One? I can't seem to find...
Liking the Wyndham business earner card.
Have you figured out how to stay for free in Snowmass/Aspen during the ski season? That’s one tough nut to crack
📕 I recently product change my CIU to CIP then I saw the new 120K sub on the CIU through doctor of credit and got approved. No point getting the CIP 100K sub for $8K spend when the CIU currently offer 120K sub for $6K spend in the first three months. I was lucky enough to get both CIU and CIC for 90K. I completed the Ink Business trifecta. My current setup right now are CIP, CFF, & CIU. I do have IHG Business Premier as my hotel card.
📕We love your content. We have the Chase Trifecta, Amex and some hotel cards. We also stick with Star Alliance flights for status.
📕 just getting into this
📕 I am at 4 Chase cards (Reserve) and have recently jumped into the Ink market. Just trying to get Hyatt points, mainly...Thinking about Amex next...
Thanks Sebby for this new interesting video! 👍🏼 Do you know if it will work to get two Amex welcome bonus if i apply once for a the business gold card with my SS number and once again for the business gold card but with my EIN number? (as it works with the Chase Ink cards).
Wow! That sounds far more complicated than anything I'd be willing to do. I'd love to know what upfront cost they're paying in annual fees. While you can recoup that cost most of the time, it's still an upfront cost that could/should count against a travel budget for the year. Stated another way, would it be better to ask what percent of your yearly travel budget is spent on annual fees?📙
📕. Living in Europe current workhorse is CSR forbearing out, travel and just about everything else. AMEX platinum for subscriptions, flight credits. We also have the IHG premier for the anniversary night and status once we move back to the States I’ll probably pick up AMEX Gold for Groceries and gas.
🇨🇦 business owner. Setup: AMEX Plat, AMEX aeroplan reserve, AMEX cobalt, BMO
World elite. US side: Hilton Honors and Aspire. Will
Probably go for 3 aspire cards and rack up 9 free night certificates every year
If i have two different businesses with different EINs can i refer my other business to get the referral points??
I do feel that hotels are easier to score high values but airlines are difficult, especially given that United and Delta are doing dynamic reward chart now.
📕 i use the venture X plus savor one combo and add the aspire
Wait, how do you pay taxes due at vest for RSU w/CC? Options in brokers are as mentioned sell-to-cover or cash transfer (out of pocket) but never heard of using a credit card to pay the cash transfer option. 5:30
Thoughts on the Redstone Visa Signature card?
I'm 4/24 with Chase right now and I'm debating signing up for the World of Hyatt or the Capital One Venture X. I currently have two versions of the IHG - the Select with the $49 AF and the Premier with the $99 AF. In the past year, I got the AMEX Hilton Surpass under the old AF. I'm debating renewing though. I have a points stay coming up at the Trafalgar in London and wonder if it's worth keeping the $150 AF for the gold status OR closing it and staying there without status.
Depends on if you value breakfast at Hilton or not. Probably Hyatt due to 5/24, if you care about the properties.
I’m thinking venture x and savor one
Thanks for the great video! I currently have the AmEx setup but I feel like I’m not getting my moneys worth. I only travel like 5 times a year and it’s normally domestic. Would you recommend the Chase Setup or the Capital One setup for me instead of AmEx? My main airport is BOS 📕
Chase due to 5/24 and esp if you're out of BOS.
Thank you so much! Hopefully the CSR will get some love sometime soon. Even an elevated SUB would be nice
What about the UBS Visa? I heard that they will still be a card to use for the airport restaurants since Chase Saph is eliminating the perk.
Chase trifecta and recopue AF with plat and C1 Vx
Nice job!
Have Platinum and Chase Preferred. Should we look to downgrade CP to Flex?
📕 I’m mostly on the chase trifecta and capital one duo track with all my hotel and airline cards with AMX. I’m considering checking out Marriott or IHG card for hotels since the surpass price increase. Does that even
Make sense?
📕 wife and I both have chase but I thinking of how best to incorporate one world airlines into our setup since we fly to HK from LA regularly. Added the citi mile up but not sure if that's the most efficient use of our spending
Does it make sense to go for the Amex platinum knowing it’s a one and done for 175k bonus? I have the gold for when I would cancel. Not too sure how much I would get from the credits
📕 P2: Chase Trifecta. Me: Citi
Trifecta. Both: Business Marriott & Hilton, BBP & Personal Amex Gold.
So I can get multiple cash ink card bonuses as long as I have multiple businesses? Example: EIN and Sole prop?
Wait, is the 3x on rent when paying with Alaska card thing live or still upcoming?
How many Aspire cards per person do you have, and how did you get them?
How to book business class on Etihad or Emirates would be a nice video. Even with all these travel cards, its so hard to find effective upgrades using the credit card points :/
You mentioned paying the HOA fees and property taxes taxes with BILT. I had previously checked and I don’t think you get any points to do that, plus how would you pay HOA then?
Great question, was thinking the same thing
I can see the progress of you pumping iron!!! Shoulders are swelling up a bit!!!
Thanks!! 💪
They don't call him "daddy" for nothing
@@papertowel2458Does Sebby have kids?
I scored the IHG credit card (from your review) & will soon receive about 180,000 points from welcome bonus.
@@Re3iRtH no. lol
Do you have a video that talks about downgrading the chase sapphire reserve and reacquiring it again to take advantage of the bonus points? I have a good amount of points and I'm hesitant to downgrade. Just unsure how to approach it. I've had the card for about 4 years now.
Product change the CSR to one of the Freedom cards and then apply again. Points stay active as long as you have a UR earning card on your account.
Any churn plans? I’m thinking mostly Chase - do you have any cards where it has been 24+ months since the last SUB, where you could try to get a new SUB?
What's your INK Churn plan / schedule. Chase has been denying me recently but @askSebby mentioned he's getting a new INK every 2 months???
Hotel cards only make sense if you are required to travel for work. Otherwise just stick with amex platinum or chase sapphire cards.
📕 I’m sticking with Chase Trifecta plus Hyatt card. I’m just too lazy to bounce around.
Good setup!
currently working on a intro bonus on blue business plus as my catch all card, Gold for food, Blue cash preferred for gas, I don"t have a travel card yet but I do want the Amex platinum for that 175,000 MR points they have on a referral but i'm in pop jail last time I checked in Jan 2024🏮
Can you please list any and all cards that you mentioned where AskSebby earns an affiliate commission or referral bonus? I’m sure it doesn’t influence your recommendations, but would be nice for full disclosure. Thanks.
Assume it's everything, hence the ad disclosure present in every video 🤷♂️
Hey Sebby! I have an amex platinum... If I get the gold now will I still get the intro bonus? Is is it still worth it for the 4x even if I don't get the intro bonus?
red book, I'm over 5/24, I have all the hotel cards for free nights. Will probably get aspire
📕 I'm surprised Chase wasn't mentioned in the normal person setup. CSR's $300 travel credit is the easiest one to recoup plus freedom(s)/CFU/Inks
Same. I thought the Chase trifecta would be mentioned in the normal person setup section for sure.
Nice video Sebby. Working on Amex business platinum 120K SUB on $15K spend. Separately was approved for Amex Platinum for 125K SUB on $8K spend. Should I accept, or pass and go for elusive 175K SUB ?
I cant understand why AMEX can offer 250k SUB at $15k spend but Capital One cannot offer the same or even 200k SUB for the same spend... wjat are your thoughts on that?
We have the same wallet!
HEY SEBBY, IF I GET THE CHASE INK, CAN IT REPLACE MY SAPPHIRE P AS MY ULTIMATE PORTAL ACCESS CARD?
I'M TRYING TO PARE DOWN TO A BONVOY/BRILLIANT/QUEST SET UP, USING MY SAPPGIRE P OR INK FOR PORTAL ACCESS.
OR, DO I NEED PORTAL ACCESS IF I JUST RUN BONVOY/BRILLIANT/QUEST...🤓 gets confusing
I like it that you don’t have a car. I would love to dump my car but I live in LA. I used to live at Post and Jones in SF and yeah then I could get by without a car.
Thanks! No interest in getting a car. The cost of ridesharing everywhere is significantly cheaper than parking + car payments + insurance + broken window repairs + gas + any other maintenance and surprise tickets.
Why would you get two Amex cards? Why doesn’t the platinum give you the points the way the gold does that’s strange but you know best just weird they do that.