can you get both card and theri bonus at the same time?
@brandoncarroll295517 сағат бұрын
I can transfer cashback from my QS over to miles on my V1
@APUSHstudent777Күн бұрын
Just recently got the sapphire preferred card. Got denied online. Decided to go to a local branch instead. On multiple of their credit cards, they had an additional bonus that was only in the branch if you applied at the branch. Better than the advertised online offers. So it's worth a check to apply for these in person.
@KevinYang3 сағат бұрын
100%! And I've heard the same! Friends who have applied in branch have been more easily approved. Sometimes the reps there will go above and beyond to help you do so (probably because they get a commission)
@Anthonyjones-pq4ffКүн бұрын
My first mistake was I didn’t start with chase So now I’m over 5/24 so that’s makes it harder for me … Second I have Amex love them third I’m now Starting with Citi, Citi Double Just got approve for Citi strata need the Citi Custom cash card
@Divyv5202 күн бұрын
Hey Kevin , I have send you the email you have not replied yet ?
@DugrozReports3 күн бұрын
Only have the Aeroplan card -- solely because of pay yourself back 😊 I have no idea If that gets me any status that is meaningful on United, but I’m flying United back from the creator meet up, so I suppose I can give it a try! Thanks for the video!
@KevinYang2 күн бұрын
Unfortunately couldn't make it, but hope it's good! Also which category of the card's PYB do you usually use?
@vanKaneLio3 күн бұрын
Good and useful video for beginners, but the video is too long. Perhaps splitting it into several videos would benefit you more.❤
@mrlaw7114 күн бұрын
Who really uses Uber Eats? I like my food fresh and prepared and served. I don't want to have the order wrong, food cooked poorly...I'd rather drive to the source where I have 100% control. Convenience is hardly a term that can be applied to poor products and poor service.
@KevinYang2 күн бұрын
You'd be surprised!
@Tonys_Finance4 күн бұрын
Hi. How do you combine the Chase Sapphire Preferred with other Chase cards like the Freedom Flex to maximize your points? Any specific strategies you recommend?
@KevinYang2 күн бұрын
At a high level, earn with the card that gets you the highest multiplier, transfer those points from cards lke the CFF and CFU over to the CSP, and then redeem through there! Either for 1.25cpp on Chase travel portal, or go through travel partners
@slotgetaway4 күн бұрын
This probably needs a refresh!
@Growupmedia-e1l4 күн бұрын
WhatsApp bro 👋 You are helping many people by providing useful information. The one thing I noticed is your editing quality. You need a professional editor. We will provide editing if you need an editor . We will provide a trial for you
@IanMaschal5 күн бұрын
Just downgraded my CSP to the OG Freedom to max out those 5x quarters and to be able to use at Costco. Got the CIP with 160k bonus to still be able to transfer out.
@KevinYang4 күн бұрын
CIP with 160k wow!
@nachoslemonheads64815 күн бұрын
3 cards ? Is this a common thing ? I travel ALOT for work and Im looking to optimize. Flights, hotels and food. Im just looking for ONE card. Maybe 2 max
@KevinYang4 күн бұрын
Really depends how you're spending most and which cards are needed to maximize that value!
@JohnWick-o5v5 күн бұрын
never a fan of the $50 hotel credit via portal.... I prefer the CIBP.... AF can be tax deductible
@KevinYang5 күн бұрын
Great point! And yeah even for me, I haven't been able to *easily* use that credit every. single. year.
@travellearnrepeat5715 күн бұрын
CSR Guy here to show love
@KevinYang5 күн бұрын
CSR is definitely a strong card, especially if your home airport has a Sapphire lounge! Unfortunately not the case for me, so my choice of premium card is the Amex Plat!
@krs19056 күн бұрын
Meal kits count as online groceries for the CSP. You can stack with Rakuten and when there are additional Chase Offers.
@KevinYang5 күн бұрын
Great point! Is there a brand of meal kits you've seen this happen for most often?
@krs19055 күн бұрын
@@KevinYang mostly all of them have good offers through the Rakuten or other portals (sometimes I use AA’s portal). I’ve used Chase offers for Factor and Blue Apron - but they are the smallest part of the stack, usually $8-$15. If you’re looking for meal kit deals then I’d go to Cash Back Monitor’s site and see who has the best portal deals. I always try to use the CSP because it gets you 3.1x back after the anniversary bonus. I have a hard time justifying a product change to the CSR because I get so many points and free food through this method.
@riosafado6 күн бұрын
what is your international grocery card ?
@richardworcester82566 күн бұрын
I think he would probably say Amex gold. No foreign transaction fee and it's 4x all around
@riosafado6 күн бұрын
@@richardworcester8256 Can Mr.Yang respond ?
@De_Guatemala6 күн бұрын
@@richardworcester8256 If you read the Amex website, it states: 4X Points On Groceries At U.S. supermarkets".
@cws-075 күн бұрын
@@richardworcester8256 The Gold is only 4x for U.S. supermarkets.
@eduardoosorio94105 күн бұрын
@@richardworcester8256you get 4x on US supermarkets only.
@davidvargas26306 күн бұрын
4:18 never cancel your card credit history is more important then resigning for a welcome bonus
@soapa42796 күн бұрын
Nice you bring this up, Chase offers (and stuff like Amex offers) sometimes there are some really good stuff. Amex recently there has been +5X MR points on gas for the gold, which equates to 6X up to 2000 points. The other one I've used is all the small Chase offers for food, Instacart 10% back, etc.
@yer9926 күн бұрын
First, thanks!
@KevinYang6 күн бұрын
Thanks for the support!
@KevinYang6 күн бұрын
Question for you: How long have you had the Chase Sapphire Preferred? Or, is there something preventing you from going for it? 👇
@getsugatenshoFTW6 күн бұрын
4.5 years, but I'm on my second one
@KevinYang6 күн бұрын
@@getsugatenshoFTW Haha yeah *technically* I'm on my second one too, but still just as great and important!
@isaacchapman76286 күн бұрын
I just got my Preferred two months ago, it was my second credit card after my Discover It I got when I was 18. I got a really nice offer for a 90k points sign on bonus while I was starting to learn more about maximizing value from credit cards, and coincidentally I was about to spend $6k on a deposit for new windows and siding. I got the Freedom Flex last month, and I'm about to go apply for a Freedom Unlimited tomorrow. I'll cool down once I've got those 4 in my wallet, it's not like I've got much money to spend after dropping all my savings on new siding and windows. Gotta focus on rebuilding my emergency fund. In 2026 my savings will be totally recovered and I plan to visit Japan with some friends. Luckily, I'll probably have enough points to make my flights free!
@De_Guatemala6 күн бұрын
10 years, 3 sign up bonuses
@pcmacintyre5 күн бұрын
About a week. LOL. I received a 90K sign up offer and decided to take it. I have a vacation (kinda last minute) planned for Thanksgiving to SEA. As I was going to go anyway, using the CSP should net a good amount of points.
@dhruvpatel33236 күн бұрын
Great video at 2x speed
@relaxingricky6 күн бұрын
What about the highest United card. It gives you IHG platinum elite without the IHG card? 🤙🍷
@KevinYang5 күн бұрын
Hmm haven't looked into that and IHG that much tbh, maybe something to dive into!
@relaxingricky5 күн бұрын
@@KevinYang yes the IHG premier card is pretty solid.🍷😉
@Anonymous-do8jg7 күн бұрын
Chase offers the worst categories and I absolutely hate it.
@ChaseJohnston197 күн бұрын
I agree with moat points here. But some of those hyper-elevated sign up bonuses are never an awful thing to chase.
@KevinYang7 күн бұрын
Yup! If there's something sky high for AA cards, I gotta keep an eye out!
@billwright21767 күн бұрын
A great card, if you can get Business is the United Business. Many of the benefits of the explorer. Except better. Pair that gateway as a personal card with this Business card and they give you 5k miles a year. Only x2 but the Business has a $100 statement credit if you make 7 $100 purchases. Tickets for 2 people with seat upgrades could equal 4 of the required 7. Found it easy to reach the credit. Why is the credit important ? If a United point is 1.2 cents a point. it takes $8333 before you would earn more value having a x3 card then the credit that comes with the Business. That's the difference between x2 and x3 point earning vs the credit.. United Business is the card if your spending less than $8333 in flights and only check 1 free bag.
@habeshafinance17108 күн бұрын
I have four airlines card, I always book basic economy for short flight , three to five hours economy and above 6 hours,business class always benefited
@KevinYang7 күн бұрын
Nice! Do you travel pretty often?
@Zenfullvnn8 күн бұрын
I need this carddddd ughhh I want the unlimited freedoms but I’ll start with the flex first 😂
@KevinYang7 күн бұрын
Tbh I think the Freedom Unlimited is a bit overrated, and like the Flex better!
@fwmorl8 күн бұрын
Hey Kev I've been watching your videos a lot lately, they're very informative and helpful but I wanted to ask if the route I had in mind was pretty optimal, I currently only have one credit card (Discover It) and upon watching your videos, i have my credit card plan set up like this, Chase Freedom Unlimited, Chase Freedom Flex, Chase Sapphire Preferred, and then the Venture X and Savor One, let me know what do you think?
@ImlegaliSwear9 күн бұрын
All this “my partner” talk, I didn’t realize you were gay.
@Omega_thehusky9 күн бұрын
yeah im gonna be honest that 1% is actually insane and its becoming more insane as i continue to deposit into robinhood lol i just have a minimum wage job soo just getting 60% for the couple months ive been investing is nice ill take an extra 60 anyway i can get it lol i was already semi interested in robinhood cause the card but this on top of the card on top of the 5% on saving money their is crazy
@MontyTheCardNerd10 күн бұрын
Completely agree with your reasons for transferrable credit card points being preferred over airline miles! I do however love the co-branded AA cards for their sign up bonuses ... AA miles are very valuable and not attainable through any credit card point transfers.
@KevinYang7 күн бұрын
Yes! I think if there's elevated AA card welcome bonuses, I should take a closer look for sure...
@letchoeats10 күн бұрын
If you close a CC it won't fall off your credit report for another 10 years
@colinshi824710 күн бұрын
Kevin, do you prefer a specific airline to earn status with for domestic work travel? What's your award redemption strategy on using those points?
@KevinYang10 күн бұрын
I don't for domestic travel, as it's at most 2-3 times a year of domestic travel + maybe 1-2 leisure trips. I focus on flexible currencies like Chase, Amex, Cap1, and maybe Citi among other in the future
@coconutbay484510 күн бұрын
Did you have referrals for 175k?
@KevinYang7 күн бұрын
For which card?
@JohnWick-o5v11 күн бұрын
hi, is it possible to transfer the balance on a Chase Biz card to an AMEX personal or Citi personal card or Capital 1 personal card to take advantage of 0% bal transfer promo? thanks
@getsugatenshoFTW11 күн бұрын
Airline cards are great supplementary options if you want to top off your points balances! Ive been collecting AA miles from AA card signup bonuses since no program transfer to them at a good rate.
@getsugatenshoFTW11 күн бұрын
That being said, it's best to focus on transferable currencies first. I have pretty much all the chase and Amex cards I want except for the cobranded cards.
@KevinYang11 күн бұрын
Yeah that would definitely be one of the main reasons to go for them in my case as well!
@user-yg7xi2by6l12 күн бұрын
Is clear use for TSA pre check?
@KevinYang12 күн бұрын
TSA Pre Check and CLEAR usually have different lines, with CLEAR getting you to that ID check faster. After that, CLEAR won't get you the TSA Precheck line for security scanning
@Leoprieto7412 күн бұрын
I have 7 airlines credit cards in my 16 premium travel cards setup. I am very happy with my airlines cards✈️: Amex Delta Reserve Business, Amex Delta Reserve personal, Amex Delta Platinum Business, Chase United Club, Citi AAdvantage Executive, Chase Southwest Performance Business, and Barclays JetBlue Plus.
@somni45112 күн бұрын
Alaska Airlines miles are way more valuable than most airlines. If you live in Seattle they fly everywhere domestically from here. Business class from Paris on Air Tahiti for 50,000 points. Easy to get Elite status. I am just MVP and am upgraded on a regular basis. Companion Pass easily covers the 95 annual fee. If you don't fly domestically it maybe a one year and done fro the bonus points.
@KevinYang12 күн бұрын
Yup! Alaska and AA are probably the most valuable airline miles! Unfortunately I don't travel domestically often enough to build up status, despite having corporate challenges like the 2, 4, or 8 round trips for elite status.
@runforrestrun242812 күн бұрын
I got the Alaska airlines card a couple of months ago. Got a 75k welcome offer and using the points to fly to Fiji from lax 🫡. Will most likely cancel the card once the renewal hits. Live in San Diego so the card fits into my travel plans
@KevinYang12 күн бұрын
Nice that's a good welcome offer! Could you make use of the companion certificate every year (if you spend enough)?
@runforrestrun242812 күн бұрын
@@KevinYang if I try I think I could but I also want to apply for other cards. I’m currently working on the Hilton trifecta. Already have my 5 chase personal card setup and working on earning the surpass welcome offer. After earning the aspire welcome offer towards the end of the year I want to branch out to the Wells Fargo cards. Hopefully they will add more transfer partners!!
@KevinYang12 күн бұрын
@@runforrestrun2428 Hopefully by then the WF cards will have more transfer partners!
@kirk170112 күн бұрын
Very helpful video. My plan was to get an airline card to build points for partners, mainly those Asian or Middle East airlines. I was eyeing the Alaska Airlines card since I already have points and they are part of the One World Alliance. Albeit, since I'll be more than likely to be flying solo for awhile that companion pass won't get any use. However, I think it's best to get a non-airline card that has those partners, especially since airline cards seem to be devaluing point (e.g., Alaska Airlines devalued Japan Airlines, and the example you gave in the video). I have a mail offer for a Chase Freedom Unlimited, but w/o the welcome offer. I would like to get a hotel card, but as of now I'm not really geared towards a particular brand. I have Hilton points through Lyft and was approved for one of the Hilton cards, but I'll have to think about it for awhile.
@KevinYang12 күн бұрын
I'd suggest completing the strong setups from Chase (like the Trifecta) or even Amex before diving into these more unique airline cards. There's so many options to transfer and still get good value!
@kirk170112 күн бұрын
@@KevinYang Tks for the input!
@KevinYang12 күн бұрын
@@kirk1701 No problem!
@shawn.credit12 күн бұрын
Only one I’d want is the Barclays AA Aviator card others ehhh no need!
@KevinYang12 күн бұрын
Almost forgot about Barclays!
@PingPingTravel13 күн бұрын
I agree. Asian airlines's service far exceeds what American based airlines can do. And you are right, all of the good credit cards are for domestic airlines. I've had the China Airlines credit card for a few years and got decent value out of it but not outsized value.
@KevinYang12 күн бұрын
100%! Oh haven't really heard of the China Airlines card tbh! And those international airlines do have cards, but just don't seem competitive enough unfortunately
@PingPingTravel12 күн бұрын
@@KevinYang Right, right. Only good for certain use cases.
@turtletrade13 күн бұрын
No airline credit cards, wife works @ United. I have Chase cards that earn UR points that I transfer to Hyatt.
@KevinYang12 күн бұрын
Haha nice, lucky!!
@De_Guatemala13 күн бұрын
I downgraded the Explorer to the Gateway and got the Business card. I get 5K miles + 2 lounge passes annually. As a 1MM, having United Cards gives me expanded fare availability.
@KevinYang12 күн бұрын
Nice on the 1MM! How do you maximize those united miles given all the devaluations?
@newagain996412 күн бұрын
I got United biz in spring for sub. I do wish I got biz infinite club. As I will be flying to EWR a lot next few months. Hopefully elevated offer comes out soon!
@czrs8513 күн бұрын
Any suggestions of Hyatt or Marriott stay in Seattle early October? Since Marriott has a bonus transfer offer right now.
@KevinYang13 күн бұрын
Hmm I don't think Seattle has that many great redemptions tbh... what areas?
@czrs8513 күн бұрын
@@KevinYang well I'm just going to be visiting looking at Hyatt regency and Seattle moxy hotel.
@tommywei115413 күн бұрын
I fly united quite a bit since it's the main airline at my local airport. Would it be worth it for me to get the United explorer card to get the free checked bags? I really hate spending money on luggage check-in
@KevinYang13 күн бұрын
Being in that airline's hub is a big bonus for having their cards imo. If you fly often enough and free checked bags will help, I'd say go for it!
@newagain996412 күн бұрын
No. Because if u buy anything but basic economy u get at least one checked beg with each tix. thats basically every major airline.
@KevinYang12 күн бұрын
@@newagain9964 True, but the average person shops via price, and will likely buy Basic Economy, needing to pay up for for regular Eco
@newagain996412 күн бұрын
@@KevinYang a very unwise play booking basic economy…only time I do that is last min for a flight within a 1-4 days.
@KevinYang11 күн бұрын
@@newagain9964 Unfortunately the market seems to like it or that wouldn't be an option. Unfortunately just more ways for the companies to earn more $
@brucelaw857413 күн бұрын
I like my Delta cards (reserve and platinum)however the companion passes I use twice a year sucking up my two main trips a year leaving Other trip to my Alaskan companion pass I also have JetBlue and American Airlines cards have not flown either - thinking about canceling them
@KevinYang13 күн бұрын
Did you have a specific use in mind with the JetBlue and AA cards when you first got them? Also how has your experience been with the different ecosystems, seems like you have cards across a lot!
@brucelaw857413 күн бұрын
@@KevinYang I have 41 cards way too many just started culling the herd so to speak I have airline miles I never use stuck in this companion pass go around Hoping to use my AA miles in 2026 on trip to Rotterdam however
@KevinYang13 күн бұрын
Damn 41 cards is a ton! Can't imagine the annual fees you're going through haha. AA miles are awesome, what airline would that be flying on? AA metal or partners?
@brucelaw857412 күн бұрын
Only flight I found was on AA website Not sure there is transferable point options to Rotterdam
@newagain996412 күн бұрын
@@brucelaw857441? Yeah. No need for all that work. I Just got back from NL/rotterdam. Its core is fine but surrounding hoods, pass.
@callmeNeno13 күн бұрын
Hotel is more important. I don’t care how I get there economy etc
@czrs8513 күн бұрын
Hey! They're easy pickups. I just picked up the Alaskan airlines. with 60,000 miles which is enough to pay for a business class trip anywhere or most places. Plus a free companion pass after you pay taxes and fee on the ticket. Not mad at that for $99.
@KevinYang13 күн бұрын
Yeah I hear that a lot! Ideally you get both elevated flight *and* hotel experiences, but if you had to choose one, lots of people do choose hotels. Do you seek out Business/First class flights at all, or stretch your points via Eco?
@KevinYang13 күн бұрын
@@czrs85 Alaska miles are great, I just wished there were more easy ways to get them (I guess that's why they're so great). If you're able to regularly use the companion pass, that more than pays for the annual fee already
@czrs8513 күн бұрын
@@KevinYang at least it's worth the ride for a one year.
@callmeNeno13 күн бұрын
@@KevinYangfly economy baby and save those pts~~ unless your flight is abroad 10 + hours long then I make an exception, but domestically I am flying economy