BEST Credit Cards for Low Spenders 2023 - No Annual Fee, Easy Bonus, Good Rewards
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- เผยแพร่เมื่อ 28 ส.ค. 2022
- Support our channel by choosing your next credit card using one of the card links at:
- BEST: www.proudmoney.com/best-credi...
- CASH BACK: www.proudmoney.com/best-cash-...
- TRAVEL: www.proudmoney.com/best-trave...
- BONUS: www.proudmoney.com/best-credi...
- BALANCE TRANSFER: www.proudmoney.com/best-balan...
- GAS: www.proudmoney.com/best-gas-c...
- BUSINESS: www.proudmoney.com/best-busin...
- FAIR CREDIT: www.proudmoney.com/credit-car...
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NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
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Contact: Adam Jusko adam@proudmoney.com
(for business/media inquiries only; unfortunately I do not have the time to offer thoughtful answers to the many individual credit & money questions I get by e-mail --- but I do read them and try to incorporate answers to common questions into future videos!)
#creditcards #credit #rewards - แนวปฏิบัติและการใช้ชีวิต
Support our channel by choosing your next credit card using one of the card links at:
- BEST: www.proudmoney.com/best-credit-cards-on-the-market/
- CASH BACK: www.proudmoney.com/best-cash-back-credit-cards/
- TRAVEL: www.proudmoney.com/best-travel-credit-cards/
- BONUS: www.proudmoney.com/best-credit-card-bonus-offers/
- BALANCE TRANSFER: www.proudmoney.com/best-balance-transfer-credit-cards/
- GAS: www.proudmoney.com/best-gas-credit-cards/
- BUSINESS: www.proudmoney.com/best-business-credit-cards/
- FAIR CREDIT: www.proudmoney.com/credit-cards-for-fair-credit/
- BAD CREDIT: www.proudmoney.com/best-credit-cards-for-bad-credit-unsecured-secured/
(We'll get compensated if you're approved, and we thank you kindly.)
Other ways to support this channel:
- Get a $25 - $325 bonus when you open a SoFi Checking/Savings Account at: www.sofi.com/invite/money?gcp=68388c1c-9593-48a6-8872-7052db78d937
- Use our Amazon.com link: amzn.to/2PpQWoB (As an Amazon Associate, we earn from qualifying purchases.)
.
NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
can you product change savorone for good credit to savorone ? and guessing the max credit limit for savorone good credit is lower than the better savorone?
This is a good idea for a video
The Capital One SavorOne is one of the most underrated cards. It's chocked full of good stuff and offers some travel benefits too as well as no foreign transaction fee. That's unbelievable. I'm amazed how little attention this card gets on the market.
I just got one...I'm loving it so far!
Especially if you transfer the cash back points from Savor one for miles with the venture one. Thats a really good combo
@@diazmike427 that’s a thing you can do ? Convert cashback to Capital One Miles ? At which rate if so ? 1 /1?
- yup. i want to add it to the arsenal
@Shawn S true i have. Silver one
Into credit cards as a beginner this channel is definitely worth to subscribe.
This video made me laugh a little, for me and my spending these cash back cards are the best on the market. I have 9 of the 12 you listed. Really like the straight forward honest content.
Thank you Adam. 😊
This is a great list, Adam! I personally love the Chase Freedom Unlimited over the Flex, but I have that and the Custom Cash that I use for a lot of my spending and they have been great cards for me so far!!
Thanks Adam great info as always 👍 👌
Hey Adam, I hope you have a good day
Great List
You save me so much time, Adam! Thank you!
Love my Discover it Cash Back, paired it with a Quicksilver card, I wanna get the blue cash everyday card next and the Savorone as well once I cancel my bass pro card through capital one.
The nice thing about these cards is that, over the course of a year or two, it is easy to snag three or four sign up bonuses with your natural spending levels and acquire some cards that will always have a place in your wallet. Especially for us low spenders, getting $200 back after spending $500 is an enormous deal.
Nice presentation...thank you.
Nice informative video!!
Good Content.
Great video as always , Apple card is one of the best cards too 2% Back on all purchases using apple pay
A solid list of cards for the low spenders, indeed! I recently got the Double Cash card thanks to the new bonus offer.
Really have been enjoying the channel Adam!! Subscribe!!! Question.. Does the AMEX Blue Cash Everyday card give you the 3% on online purchases when you pay with PayPal??
Citizens bank still has for about the next week $200 for spending $500 in the first three months *plus up to a $100 TSA pre check credit on a no annual fee card in addition to the $200 offer.*
I wonder if US Bank will be more lenient after getting in trouble. Great content as always, thanks Adam!!!
The SUBs are huge for the low spenders, they can make all the difference!
Yes.. The welcome bonus did expire. 9/7/22 No welcome bonus at this time.
Is credit utilization measured per credit card or your total of all credit lines? For example, if I have credit card A with a $10,000 limit and I have a balance of $ $5,000on it, and another credit card B with a $20,000 limit with $0 balance, would my credit utilization be 50% for card A & 0% for card B, or is utilization calculated as 17% utilization for the total of all available credit?
Maybe both are utilized by credit bureaus?
What is the credit score for thoose cards regards.
the discover card is great if you get it through a referral with the $100 referral bonus you get $100 after you make you're first purchase and you don't have to meet a minimum spend
I have never ever been able to get a discover card i own a few Capitaol onr cards!
How about "best credit cards for expats"? I already did some research on this and could assist you.
I would have included the WF Autograph Card. 3% on 6 categories.
Yes. 3% for Gas / Restaurants / Travel / Transit / Streaming Services / Cell Phone Services.
Don’t forget cell phone insurance/ car rental insurance/ no foreign transaction fees
Great vid bud..I just got the savor one great card looking to prob get that US Bank go maybe later get the reserve in order to meet requirements for it
I guess capital one. Give me yhis card because i have a few of thirs i pay my cards on time always!!
Is it better to apply for a credit card with your Bank.our it doesn't matter.,?
Just applied for US Bank Altitude GO, they didn’t deny me, they just said they will review my application and get back to me if they need more documents or more info. Credit Karma recommended it with Chances of Approval being “Excellent”…. So we will see. Thanks for the info!
Call the reconsideration line!
I wonder if the paypal one has an increment to redeem like $25.
No, cash back posted to your account just few days after your transaction posted, you can redeem it to paypal balance and transfer it to your bank account
Am disabled and am thinking about buying stuff that are on sale at Walmart and other stores and resell them on eBay or Facebook market place. Am looking for a good cash back credit card. I only have a credit union credit with no cash back.
Any advice or what credit cards would you recommend.
Thanks
I would say try a flat cash back card. For example, the citi double cash(flat 2%) or custom cash card(5% on highest spending category up to 500$ then 1% on rest). If that doesn’t work I believe try getting a credit card with a rewards for Markets like Walmart, Costco, target and etc. I believe Costco has a rewards card, same with target.
WM has their own card that offers 5% back from capital one, that would be an obvious choice. After the first year the points drops to 2% for in-store but 5% still for online purchases.
how often can i apply for credit cards? i want to try to avoid the "you have applied for too many cards recently" thing
Inquiries are very low scored on your report. You want to have a few cards so you can rack up alot of on time payments quicker, even if its a tiny amount rather than baby one
I applied for and got accepted for 4 credit cards then denied my next two, that was at a 781 credit score. So I’d say 4 all at once is doable.
I don't like capital one because they are so stingy with their increases. I'm definitely a low spender and I don't carry a balance each month thus no interest for them to make money from. Anyway, I've had the QS for several years only to have a $4k cl. I'm reluctant to get another card from them.
From what I hear this is the case, best approach may be going to someone who is more willing to give higher limits or consider increases and then come back and apply for a different Capital One card when they can see your other card (or cards) has a much higher limit and they would be more likely to match it.
@@Krashoan I've not had this issue with Capital one they have given 11000 in credit spread about across three cards. I applied for the blue cash everyday and I was declined. But for Discover and Capitalone I've been denied only once!
@@alexthesniper1952 That's good to hear. Capital One was actually my first card and they started me out with a 10000 limit, so I haven't had to deal with this. However, I don't think applying for extra cards to get more credit was what the OP meant, rather increasing limit on existing cards.
If you're a low spender why do you need more than $4k CL?
Am I the only one who see the doppelganger effect between Adam Jusko and Christoph Waltz? They even sound the same.
I had to look up who it was. I can see it a little 🙂
@@ProudMoney You should take this comment and say in the next video this is "Hey this is look alike Christoph Waltz and..." Then follow as this is Adam Jusko of Proudmoney.
Adam, we need a similar video for high spenders!
I would be interested to see that video too!
On these days 400.00 is to much for some ppl with this inflation.there is.
The Capital One Quicksilver came with a $200 bonus if you spend $500 in 3 month. I paid some taxes with the card to obtain the bonus.
Years ago I got a capital one card w/a $500 limit because I was beginning the “game” of building my credit, I didn’t need more than that at the time... I loved them at first (heck, their Viking commercials were funny lol) & I knew that no credit card is worth an annual fee & there was none w/that card, great!
BUT, a few months later I was charged an annual fee... a phone call later w/a snarky (came off a bit arrogant to me) customer service rep went to “fix it” (I still had the literature stating no annual fee) & he said that “don’t be surprised is it happens again next year, just call us back & we will fix it”... uh, yeah... I was thinking screw that.
I paid whatever tiny balance it was until everything balanced out, never used the card again & after a good 6 months or so I canceled the card. I won’t be doing business w/them again.
I’d hope they’re doing better now but I won’t work w/them again.
Btw, my credit score is awesome, I understand the game & still willing to learn more.
Don’t get me started on Chase, they were worse years ago & again, I hope they’re doing better for their customers but I’ll never work w/them either.
Capital One Quicksilver should have been on this list, in my opinion
The QS isn't a bad card, but at 1.5% cash back, it has been beaten out by both the Wells Fargo Active Cash and Citi Double Cash cards.
What about the SavorOne?
@@richsamuel2922 savor one was literally the first one ☝️
@@nimravus01 agreed. The cards you said are better in the everyday category and the savorone I believe has no foreign transaction fees if you value that. I don't recall if the Wells Fargo one or citi have no foreign transaction fees
@@richsamuel2922 I'd prefer to have a card that gives me the same reward, no matter where I use it