2025 5x Cash Back Credit Card Strategy - Final Run

[@RJFinancial]

Make it a profitable New Year - www.profitablecontent.com

[@jackterrell9475]

I LOLed at the Fifth Third card being 5/3 of a percent. Someone must have thought they were clever.

[@RJFinancial]

It’s a nice Easter egg. Banker was trying to sell me hard on that card too. Gotta find another way to be clever

[@ManuelJimenez-ok2mn]

Thanks!

[@RJFinancial]

Much appreciated brother

[@gregb5876]

If you fly AA, consider holding on to your Citi Thank You points and the Strata card in case they become a Citi transfer partner.

[@RJFinancial]

I'm cash and carry but it's a fair call out for those looking forward to AA going exclusive with Citi

[@newagain9964]

Disagree. Redeem them sooner vs later, it won’t be long before they’re devalued. And no, the CFPB won’t save u. Esp with this new administration coming

[@Olafdaschneemann]

Highly doubt Citi will pick them up as a Xfer partner

[@drchrisheidelberg]

Hey where can I get that wallet?

[@J0HN_3_16]

Wish you would review 5% credit Union cards

[@RJFinancial]

Most of them end up being the same Elon 5x cards. Which one do you have your eye on?

[@mattcramer9187]

Happy New Year RJ. I took the 2nd half of the year off (mostly) from about August onward. Going to resume this year, looking forward to a profitable year.

[@RJFinancial]

Happy New Year brother, hope it's profitable

[@hanchardjo]

Happy New Year 🎊🎆

[@RJFinancial]

Happy New Year brother

[@Jesus_P]

Happy New Year! Enjoy your videos!

[@RJFinancial]

Appreciate you sir, hope it’s a profitable 2025

[@caribdude8151]

Thanks Sir! Happy New Year! 👍

[@RJFinancial]

Happy New Year brother

[@rambosidi7634]

Happy New Year’s, my brother

[@RJFinancial]

Have a profitable 2025 sir

[@siumaka]

Hi RJ, great video. Happy new year too. I'll ask you the same question I asked Uncle Luke, if you're willing, please share with us how much spend you put on ccs last year by category. Thanks - Mark

[@RJFinancial]

I can try to sort it out by card. It’s easily gotta be close to $100k given last year’s housing project spend. That spend ends up being tax write offs as well so it’s kinda misleading but maybe I can make it work for the points total video

[@UTubeVidWatcher]

Do you have a video or list of which cash back credit cards allow you to deposit your money into a checking account instead of just using it as a statement credit?!?

[@RJFinancial]

I don't. From experience it's mostly the big banks. Chase and Citi will. BOA will send you a check or to a BOA checking account. WF will to a WF account and USB will to a USB account. After that, it's less and less common.

[@UTubeVidWatcher]

@@RJFinancial Okay, cool. Thanks!

[@98gmill]

Great info RJ :)

[@newagain9964]

I need a portfolio for my cards like that. I keep mine all in an old smelly leather wallet. Thing is thicccc. It’s ridiculous.

[@RJFinancial]

Organization makes the game easy. Wallet was maybe $15, well worth it.

[@newagain9964]

@@RJFinancial I hear u. I guess I don’t bother because I only go into that wallet 2-4 times a year.

[@newagain9964]

@@RJFinancial also most cards aren’t keepers so as soon as I hit the sub I cut them up and cancel when it’s time.

[@getsugatenshoFTW]

Ayy yugioh reference let's go!!!!

[@RJFinancial]

Kiaba was the true star

[@kimoc.4163]

Happy New Year! Dat Mega wallet LMAO!!!😂🤣😅

[@RJFinancial]

Have a profitable 2025, we still have a few slots to fill in the wallet

[@guaparra2]

I just got on Chase 4/24 My strategy is to get a bunch of ink cards or was But it seems that Chase is becoming more stingy for approvals for the inks So my options are get higher bonuses with Chase or get a bunch of other cards with lower bonuses I have no issues meeting the minimum requirement spent What are your thoughts on this?

[@RJFinancial]

Ink's are getting harder it seems. I say take your time and still run through the ink lineup. It's a lot of money for low or no fees. If you do look at other cards, hit the business cards until you're done with ink. Wells Fargo Signify for example or USB Leverage

[@Megawolf242]

Here First Happy New Year

[@RJFinancial]

Have a profitable 2025

[@srivi2418]

Doesn’t your credit score get affected with all those denials?

[@RJFinancial]

It does take a hit regardless of approval or denial. Once you’ve got a deep enough file, these hard pulls don’t do much really

[@UTubeVidWatcher]

The credit bureaus do not punish you for credit card denials. The credit report does not even show credit card denials; it only shows that your credit report was request by a specific bank. The reason why or what happened afterwards does not show on your credit report.

[@falf9003]

AMEX Business Gold offer seems difficult to meet. 15k in 3 months??

[@RJFinancial]

Not if you have to replace an HVAC unit…. The downside of hitting bonuses so fast is that usually something went wrong and it cost me many dollars. Otherwise, yes it is difficult to especially with banks like Amex who don’t love our usual tricks

[@johnny_ma]

If you owe taxes because you are self employed or collect bank bonuses you can potentially hit the spend in 1 transaction

[@bctsteve]

I’m using them to pay for my kids college, to meet the sign up bonus. I have to pay for it anyway. Might as well get some money from Amex

[@MattClausen]

Signifies seem Churnable.

[@RJFinancial]

Mr Wells Fargo himself! The only other guy who’s on the WF bandwagon with me

[@J0HN_3_16]

@@RJFinancial I like Wells Fargo but credit unions have the most generous cash back if you are willing to invest the time to find their poorly advertised cards.

[@evangibson8020]

Based RJ

[@ovx23]

eeyyy reference ygo

[@RICHwithPOINTS]

This is why I can't get into US Bank, their technology can't be trusted. I've worked with customers like this and it's scary how behind in technology some companies are.

[@RJFinancial]

Funny, starting yesterday everything seems to be updated. But, the button to make my IRA contribution doesn’t work… one thing at a time I guess

[@UTubeVidWatcher]

If you monitor the U.S. Bank website you will see from time to time they allow you to apply for their credit cards without a hard pull unless you are approved and accept the card; the same way that the Apple Card and Amex does it with their cards.

[@curmudgeonextraordinaire1884]

I just want a 2% Freedom Unlimited card. Chase, are you listening?

[@johnny_ma]

They are not listening and the card will be 1.5x forever

[@newagain9964]

Why aim so low? Chase does that to ppl it seems. 😂

[@RJFinancial]

Dimon hears you, he simply doesn't care lol

[@caribdude8151]

would it matter if the 2% CFU had a 3% FTF or not?

[@curmudgeonextraordinaire1884]

@@caribdude8151no, I never leave the country

[@johnny_ma]

I plan on getting another Amex business gold and business platinum around tax time with NLL links and keep cycling the bonuses paying taxes and canceling the cards after a year

[@RJFinancial]

That's fair. I'll likely have to cave and get them again as well. Annoying but they do pay well