Which Credit Cards Are a FLEX? 💪 And which are a cringe? 😬 American Express Platinum, X1 Visa, etc
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The people who are wealthy don't need to flex. Pretenders need to flex.
Why even be wealthy? Maybe they're just numb to it. ¯\_(ツ)_/¯
Warren Buffett has the Green card and mostly pays in cash.
Which is why pretenders get AE platinum - because platinum approves low FICO scores but has good marketing that suggests otherwise …
That’s cap.. wealthy people flex with their assets.
"People who are wealthy don't need to flex." But they do it all the time. 😂 Your comment is really goofy you probably thought you had something going there. In reality no one "needs" to flex people do it because they feel like it.
The ultimate flex these days is paying your credit card balance in full, all the time, everytime.
Right
Big facts!!.
Credit One is 100% cringe.
I very rarely "pull out" a credit card. 😊 I use Apple Pay almost all of the time. But, if I needed to use a physical card, I don't register a "cringe" factor in the least. I use what I use, when and for whatever reason I want to.🤷🏽♀
Three cheers for Apple Pay 👏🏼 preferred way to pay.
I cannot justify paying annual fees.
I totally understand this sentiment. But I also understand the sentiment of people that get more value out of the card than what the annual fee is.
Flex is knowing to use Gold at dinner even when you have a Platinum*
*Unless you’re 10x’ing with a Resy promo.
That American Express Gold is a flex 😅. It keeps me winning.
I don't "Flex" but my AMEX Gold and Platinum do seem to get more attention than my other cards. People will say things like "Fancy" or "does it really have no limit?"
Since 99.5% of the time cards go anonymously into PIN pads at stores and restaurants, I think it would be great if PIN pad makers started programming their readers to broadcast the general flex or cringe worthiness of the cards inserted. An NFCU Cash Rewards card could have the national anthem play, for example. Bank of America could trigger a gut wrenching scream along with the words "It burns, it burns." American Express could cue up the song "Money" from Pink Floyd. Chase could come with a yawn. Airline cards come with the jet sounds of take off. Hotel cards have the sound of diving boards at pool side - or better yet, each chain could produce its own unique sound. Chime could sound like a fart. And Credit One (NOT Capital One) could sound like the Joker from Batman. I jest, of course. All cards serve a purpose and should be treated with respect. Right?
Uuuuh, PIN pads in supermarkets and department stores are starting to show you the network logo and do a little song before showing you the ✅, you may want to patent your idea cuz it sounds cool and they’ll probably start doing in no time.
Sooo funny... love it...
Target does it.
The little Mastercard jingle the pads play is nice.
No, not all cards deserve respect
I have the Amex gold card and I sometimes feel embarrassed not because it’s an “old people” card but because I do get an “impressed” reaction. When I use it I’m truly not trying to flex and I feel like people think I’m showing off or get the wrong impression that I have a high income. I’m a nurse, a southern nurse at that. We don’t make what the nurses elsewhere make. But I also have a credit one card that I sock drawer most of the time but sometimes they send me pretty good targeted offers and that is the card I am actually embarrassed to whip out. But…I do anyway because nobody is gonna pay the bill for me. 😂
Lol I feel ya on the credit one cards. They kind of suck.
right. cashiers see it and they looked impressed with the gold card lol
"Wells Fargo has no flex at all" LOL!
Nothing says flex like my 1984 Texaco card!!
You know what is a better flex than all of these cards? Using a credit card responsibly, making use of all the benefits of the card, and then paying off any balance before accumulating interest.
Coming from someone on the younger side I would definitely say metal cards have a “flex” status compared to non-metal
I feel like 95% of people could care less. Outside of that, I think only the AmEx charge cards have general flex appeal because of the Centurion logo. People think they’re special because AmEx has spent billions telling them it is. The first comment is always some version of ‘you have to pay those off monthly!’.
I like to flex the Chase Sapphire Preferred at dinner. It’s not the most expensive card to hold, but most people I know haven’t seen a metal credit card
The best cards to flex are any that say approved once used 🤣
To me someone pulling out one of those Master Card Gold or Black cards would be super cringe because of just how terrible they are for the obscene cost. Ironically, the "flex" is exactly why they're even on the market. I guess to impress people who are not savvy?
The Luxury Card! 🤣🤣✌
5% off groceries w a $10k cap is very cool, have people not shopped for groceries this year?
I think any metal credit card is always a flex specially if you "accidentally" drop it in the presence of friends/family who haven't heard the sound of one drop before. But in reality I use the one that makes most sense and yields the best return. That's the real flex.
I always "accidentally" drop my titanium card. Clumsy me lol
Chase Ritz-Carlton CC 💪
If someone took out a X1, I’d laugh in their face. It’s a terrible card.
I’d agree with the crap rewards comment, except that Costco is one of their redemption partners. Rewards are no worse than AmEx MR points - which are only worth $0.006 cash - but worth more by using them with a rewards partner …
People that have friends that care about this need to get new friends!
If your friends care about credit cards you probably shouldn’t be searching for new friends
American Express & J.P. Morgan platinum , UBS card , and anyone with a Santander or Simmons bank card is very impressive they are very hard to get nearly impossible.
Fun video for a Friday afternoon! Thanks!
Flexing can get you in the door on several things. Perception will always win.
Professional situations are probably the only time I would care to flex, and even then it would feel ridiculous. The work it has taken to get to get to a point where I can confidently pull any credit card and know I can pay the bill with real money FAR outweighs what anyone thinks about what card I'm using.
That said, I'm totally gonna flex with the Amex Gold and Platinum. The real flex is the Centurion though.
AAA is when people really have knowledge about CC and just dont go with the crowd for being 'cool.' One of the very few cards where it offers 5% cash back on groceries.
American Express: they are either trust fund babies or work 60 hrs/week in some shitty but high-paying job to pay off the debt they accrued in order to look rich
Citi: this was the closest bank to your house
Bank of America: you follow Barstool Sports and TPUSA on social media
Chase: actual average millennial and zoomer bank of choice
Discover: you grew up middle to upper-middle class in quiet suburbia but call yourself poor
Wells Fargo: your parents made you an account here when you were a teenager and haven't left
US Bank: who?
I got a Citi, Bank card , Apple Pay card , and Navy Federal card.
Lol why is this so true 😅 especially the amex one.
I have two Wells Fargo cards (Active Cash and Autograph) and they are absolute cringe. The boomer designs, Wells’ reputation being in the mud, but the cards are just too good so I don’t regret getting them 😅
The Ritz-Carlton card would be a great card to flex, especially since not many people know how to get it now. But with Amex Plat and Amex Gold, all people have to do is apply on the website and get approved.
I think the Amex Amazon Business Prime card isn’t bad to flex with. It’s a black metal card with the word “business” and the blue Amex logo. You have the prestige of Amex, black metal, and the branding/affiliation of a major corporation (it has the Amazon smile).
You completely missed number 1 flex 💪 card the Apple Card titanium , cool looking, it’s on my phone and watch… I have a American Express gold and no one is impressed like the Apple 🍎 card. I was stuck in Denmark for 2 years and American Express don’t work at the store’s only Visa and Mastercard.
There is nothing more beatiful than Amex cards. Even there free cards are way more sleek than regular card. But yeah the Gold and Plat are just gorgeous. Especially Co-branded cards like Delta Amex. The weight and build is out standing.
My boss has a Delta skymiles and it weighs as much as my computer mouse! I don’t travel much so I went with their Blue cash everyday. Got a great limit and really well balanced rewards and benefits
@@Itslilmoist I have that too and the gold card also. I'm lucky because I worked at restaurant, I asked my manager to let me buy groceries for the restaurant. They allowed me to so I rack up a lot of points ($2k per month) and I got reimbushed back all of it. So my gold card for Grocerries and Citi custom for Gas. I basically have free points. I use the blue cash for my personal Groceries and if that max out, I use Venmo credit which also 3% on most spend category. My work place pays for my travel haha
When I was first getting started in the credit card game with the Chase trifecta, the Chase Sapphire Preferred felt like quite a flex being that it was at least partially metal. Now my flex card is the Amex Gold card and we'll see what other ones come down the line! I liked the concept of this video and great work as always!!
CSP isn't "partially metal" - it's PVD coated metal! In fact, you can see the shining metal on the edge. It's actually a more expensive process than bare metal. And in all actuality, CSP is more flex worthy than AE Gold - because CSP is more exclusive. Why is CSP more exclusive than AE Gold or Platinum? CSP also takes some balls to app for - because CSP requires a Hard Pull to see if you qualify. Apping for AE Gold or Platinum is wimpy - because you can soft pull first to find out if you qualify. CSP applications also undergo more stringent underwriting and generally require a higher credit score - so it's harder to get a CSP than an AE Gold - which IMHO makes CSP more flex worthy ...
If I want to Flex I pull out my Chase Freedom Flex. That is the only Flexing I am doing
Thanks Adam! As always you are the man.
Hands down the biggest flex is the Barclay's AARP travel card. Even if you're not "retired" it shows you don't care about social constructs, and that you are only in it for the discounts.
I like this take 🙂
Flexing by not flexing. 🤔
I say this with all the compassion in the world, but the discover boom box is 100% cringe to whip out.
Biggest flex is the Chase Disney card! Nothing screams more than having Mickey Mouse whistling.
I like the video Adam, it's different from your usual stuff. Keep up the good work!
I have connected a few hotties with my Amex Platinum, Amex Marriott Brilliant, Amex Hilton Aspire, Amex Delta Reserve, Chase United Club, and my Citi Aadvantage Executive World Elite MC.
did they let you hit?
@@Sayydz all night long 🤓
Great content as always, thanks Adam!!!
Flex factor? There’s nothing cooler than being smart enough to understand the credit card game enough to earn maximum value by using the correct credit card no matter what it is to grow your rewards. Cringe? Watching the amateurs use a AMEX Platinum or Chase CSR to pay for something when you know they could get much more value with something else. There’s nothing flex about ignorance.
True, although if you see me at a restaurant tapping my platinum over my Gold card don’t judge me. 😅Got the SUB for platinum 10x on restaurants globally. I sign up through Ressy and got 125,000 MRP offer
100% agree. I have the Vanilla Platinum and the Charles Schwab Platinum and 5 other metal cards and I don't even carry the Platinum cards unless I'm traveling. The only person that cares what kind of card you're paying with is the person that owns that card. No one else cares
To me the flex would be they use a card that does not maximize rewards. Like using the Amex Platinum for dinning. Cringe would be the use of debit card.
Y’all this video is not that deep. We’re all here because we know how to maximize rewards. Most people don’t know the first thing about credit cards or they equate having credit cards as being in debt. Thanks for the video Adam. It was entertaining. Also I’m always prod to Carry team Amex!
I came extremely close to applying for the Amex Gold yesterday because they said I'm preapproved and offered me 90,000 bonus points. Also, because when I had bad credit and I got tuned down for a mortgage I vowed I would get the Amex Gold one day (and the mortgage). Fast forward 6 years later (yesterday) I decided not to get it because it would be just a flex. After watching this video, I'm getting an itch to do it - YOLO!
If you can use MR points for high value, Amex gold is worth to get. 4x grocery and restaurant spending is nice
@Shawn S So true, but I already have the metal Amex Amazon business card as well as the Amex Blue Cash Preferred which pays 6% cash back on groceries and 3% for gas. I'm wondering if I really need a 3rd Amex card. UPDATE - I DID THE DIRTY DEED... I applied and was approved. 90,000 points oh SQUEEEEL! The fascinating thing is I know they didn't pull my credit at all because I forgot to take the freeze off. I froze all 3 credit bureaus a few years ago. Whoops oh well. I guess they figured they already knew enough about me to decide....
When I was rebuilding my credit I use to feel embarrassed pulling out my Credit One, First Premier, & Fortiva credit cards. Now i closed all those accounts & have much better credit cards😂
Thanks to Proud Money I’ve learned a lot about credit cards!
I got these my amex charge cards for churning purposes lol
Not gonna lie, it's weird watching this video as I am considering ditching my Amex Gold in exchange for the AAA Daily Advantage card. I've realized that my spending habits do not result in my fully using the Amex credits, and as a more budget traveler, it is hard to get outsized value from the MR Point system. Cash back makes much more sense for my situation now
The Gold card is really useless as you easily can get 4X for groceries and restaurants with $0 annual fees..
@@ayman.ibrahim if your target is 1ccp, then yes you could get comparable or better value with $0 AF cards. The gold card does deliver true outsized value when you both max out the credits AND use transfer partners for truly enhanced point redemption (1.5-2 CCP or more) or if you are a family that hits the $25k limit each year as many other cards have much lower limits on enhanced earn rates for grocery spending; however, I am neither of those.
Gold card is next for me since I know our family generally spends 10k a year or more on grocery and dining out, so easy 40k points. Uber credit can be used as pick up at a lot of restaurants and I think it wouldn’t be too difficult to use the resto credit a few times a year at the min. The Green card is kinda useless unless you live in a big city taking mass transit a lot since gas isn’t covered.
The BOA Premium Rewards Elite (which makes a lot of sense if you have a ton of cash and spend a lot and use the 20% bonus on reward spend) is metal, solid black, and has great flex, especially with the Merrill Lynch Wealth Management on the back.
if you're embarrassed about the card you're pulling out you have other issues that need addressing. I love the videos but if we're watching regularly we shouldn't be concerned one bit about the "flex".
Absolutely
I have the AMEX Amazon Prime business card (I only got it for the Amazon gift card) but being a black and metal card I've had some young kids at fast food drive thus apparently think it's the fabled black centurion AMEX card. These days I feel like a big shot going around the town with the AMEX Gold card.
I’m not really sure. Back in the day, when I’d pay with my Platinum I’d sometimes get a reaction that seemed impressed (feigned or not). But that was a very long time ago. These days I think you’d need to pay with a Centurion card for a similar reaction. And probably not then either, as you’ll usually be paying with your phone. :-)
But I have gotten friendlier treatment at hotels by paying with their cards.
Really only the Coutts cards, Merrill Octave, Amex Cent, Dubai Royal first would be the only flex ones as no one can get them without being rich as hell lol
as a holder of the X1, gold and platinum; I'll be pulling the Gold out at a dinner because it makes the most sense.
I love this video 😂😭
Most of the time I just use my Discover card. Sometimes I use my Quicksilver card. I first started rebuilding my credit about 15 months ago with a Capital One Platinum Mastercard. If I’m going out and a person judges me on what credit card I pay for dinner or drinks with…it’s probably not a person I want to deal with 😂
You know that you are not locked into just one Product with Capital One right? I started with the Quick Silver Cash Rewards then after 6 months I asked about better products and I was given 2 options the Venture & Savor One
I just got a capital one card and I don’t like how they have the same looking card for the different credit levels. I could have gotten one of there travel cards, which look better, but I don’t travel.
You can have the chip and magnetic strip transferred to a metal card.
@@BlackJesus8463 I’m just going to get a blue cash everyday or a chase sapphire in a coupe months
I use my Amex card a lot. I refuse to pay anyone an annual fee for a card. So my Amex card doesn't have one, but it still impresses the hell out of me. LOL
Hardly anybody even notices which cards I use unless it's a restaurant or a bar. Almost everywhere else has the swiping card readers. The cashier just tells me to remove my card after the beep.
That's exactly what I was thinking. as well!!
Wrong AARP Credit card would be less cool.
That is a decent point 😀 I wonder what the overlap is in membership between AARP and AAA. 🙂
@@ProudMoney Probably Quite high
Chase Sapphire Reserve & American Express Platinum probably have the most flex for everyday consumer middle class
Proud M,
I don't seek to impress people. I seek to impress the companies I do business with. That being said amongst people I might be splitting a bill with my co branded Visa Signature - Chase card with Whole foods themed card seems to garner slight gasps.
Credit One, Chime, Cash App
My OpenSky felt lighter than what you would get in junk mail! 😅😅
Hey hey hey.. What About US GEN X Folks..!!!!!!!!!!!!! Cmon Now Man. 😥😥😥😥😥
i got the "mix tape" design from discover just coz they made me pick something when i signed up for the og chrome card. switched to discover it but kept my card. i cant count the number of times someone in the drive thru has tried to swipe my card backwards since they think the white strip on front is the mag stripe?
so bizzar. dont u know what a mix tape is? i started putting my monthly catagory stickers on the front all over and that stopped happening.
"uh sorry sir your card isnt scanning" :|
If I were to find myself among those who are "in the know" regarding credit cards then I think the "savvy" cards like the Custom Cash, SavorOne, etc. would be a good flex, but in general I'd imagine most people would only recognise the Amex Platinum and Gold as being flex-worthy.
My question… Who is so insecure that they are using the material and color of their credit card to make themselves feel better? I promise, I don’t think you’re cool because your way of paying for a dinner comes from a piece of metal that clanks on the restaurant table. Real talk.
It has to be really heavy to get any side-eye from me. I get lots of comments on the heavyboiz.
Apple Card is a flex around my friends
#1
ProudMoney I think you were spot on and I think there is no debate that Amex particularly the Centurion, then the Platinum and the Gold are the top 3 most flex value cards to the masses and for good reason IMO.
I have two Wells Fargo cards (Active Cash and Autograph) and I get the stigma. But I'm happy with the cards and have been a customer with them since the mid 90's. They haven't mistreated me but I get it. I consider Amex cards to be a flex. Also, any hotel (Marriott, Hyatt, Hilton, etc) or airline cards to be a flex as well.
Idc how cringe AAA is. Their new Travel Advantage VS gives 5% on gas and 3% on groceries and restaurants. 3-5% for the big 3 categories on a single card is not bad and could be great for someone that doesn't want to split up their rewards or have trifectas or even just wants to use one card regardless of cb return.
Does anyone know how redeeming their cash back works? What options do you have?
Uhh I want to know too
I think you get a check?
Only cringe cards are the fee harvesting cards like credit one.
Love my Amex gold. I have it linked to my Amazon Prime account and see $1500+ per year in points dollars. That pays the annual fee and then some. Also love my Amex blue cash preferred card. That 6% cash back on groceries is unmatched. Also, believe it or not, I love love love my Apple Card. Cash back on that card is for real, as well as the way they do apple device purchases is cool af.
The centurion card (Black Card) Reserve Delta Bonvoy Brilliant and the Platinum would be the cards to flex from AMEX
I would say the only real flex cards are the gold and platinum cards by Amex the sapphire reserve and the capital 1 venture x card other than that I wouldn’t say any cards are flex worthy
Amazon prime card is sorta a flex haha any metal card is always cool
Nothing sez, Baller until you whip out the Gold FINGERHUT!
Lol...
That’s a good one 👍
I look at a flex as any Amex card. They were once viewed as very difficult to get into. You have to have good to excellent credit.
I always drop my gold card on the table when I’m paying on a date 😂 they think it’s hot 😅 usually works at the bars of expensive hotels too
So once a year basically?
@@todd7148 looks like we found the chime card user
Flashy card is the Apple Card.
I mean it looks cool but anyone can get that one lol
I have the Amex Gold and the Apple and I don’t bother using the Apple anymore.
#1
It's a credit card. What the hell is a cringey card? People have really gotten so dumb
I was today years old when I found out you can flex with an amex card
Chase flex is a good card or the Citi custom cash back card
Only card I flex is my Amex platinum card and maybe Hilton honors. I Flex my apple card to people who don't know about credit cards
I didn’t see fully yet. But kitty is always a flex!!!
hell yeah it is
I love this review! My teenaged boys love my Gold card lol.. good point you make about Amex having younger members.. i always love to use it- even if it is not the best card in my wallet for the situation.
Blockfi black visa with Bitcoin Logo. Why? People don't see them much and it's a conversation starter.
i feel like a flex when i pull out my amex gold... I HAVENT had a chance to flex it yet but i plant too.. and my amex blue business cash.
Yea the Gold card does capture attention sometimes.
I love my discover, it auto increased after a year up to 4500...I have the gold cover to FLEX.
The best way to flex with any card is to get a skin to put over it I was doing this with my debit card and you won't believe how many people asked me about my card so if you wanna flex get a custom skin and put it on your card
I still somewhat flex my original Wells Fargo Propel card😂🤣😂🤣
Well, no one can ever get it. Kind of a flex behind grandfathered in until it expires lol.
@@MrYourecool2 exactly 😂🤣😂
I think the AARP Mastercard trumps the AAA Visa.
The big GO on the us bank altitude go is kinda cringe. Would be cool if it had an actual plane. The cash plus looks fine.
My Chase Sapphire Preferred is my main flex card just because I like to do the drop test on occasion. For some reason I feel more cringe using my Sam's Club Mastercard than my Wells Fargo Active Cash. Wells Fargo Autograph is actually more flex than cringe because it's beautiful and metal.
My Chase and Amex cards are a flex to me and my capital one cards are cringe lol
I’m in the army and get the platinum, gold and green card and don’t pay any annual fees thanks to your channel. I appreciate your information. Not flexing just thanking.
If it isn’t a Centurion “Black” card then there is no real flex factor.
So true
Amex Platinum is just as flex and appropriate for non millionaires. You still get excellent travel rewards and lounge access with travel upgrades for far less in AF.
I thought he was going to say centurion card is a flex, but I guess he’s not including invitational cards
It’s been too long since I’ve watched your videos 😭😭😂