5 Underrated Credit Cards I CAN'T Wait To Get (REVEALED)

[@SpencerJohnsonOfficial]

EDIT: I accidentally called the Hilton Aspire free night certificate a 'weekend' free night certificate, but it can be used any day of the week. They changed it from weekend free nights to normal free nights earlier this year. Just an old habit to call it that in this one! Let me know what underrated cards you have on your wish list, and feel free to check out one of these videos next! 👇🏼 ➡ The BEST Premium Travel Credit Cards (Choose Wisely): kzbin.info/www/bejne/bpCag4V_nc2jn6s ➡ The BEST Travel Credit Cards (For EVERYONE): kzbin.info/www/bejne/bJi2qqGknd-cq5o

[@JazzyMarineVet]

The schwab card is great, I transfered my SUB 100K to schwab and opened a portfolio. I divided the SUB and regular spent between VOO, SWTSX, and IQM and the return has covered the annual and counting. Dont care about first class hotels/flights etc, just watch 'n the porfolio grow. Every month transfer MR to schwab and buy a few stocks/eft or Mutual funds

[@SpencerJohnsonOfficial]

That’s so awesome. I’d love to make a video analyzing whether a travel redemption setup or an invested cashback setup makes more sense. Of course it always comes down to preference, but I think it’d make for an interesting video.

[@nickvicente33]

@@SpencerJohnsonOfficial Please make a video on this! This has been on my mind for forever and I can't decide

[@justmario]

@@SpencerJohnsonOfficiallove this idea! Subscribed for that

[@ToboeKey309]

Stfu scammer 🙄 u guys say the same shit on other videos comment section

[@MrWhatsHappenin]

Personal question for you. What is your effective annual fee with the platinum?

[@Lancun]

That Wyndham Business nerf. Woof. The disappointment I have after only getting approved for that card a couple months ago. It's still a great gas card, but I imagine that nerf is going to make it drop in value from this list and you'll go with one of your honorable mentions instead. Also sucks to hear that the Sapphire Terrace at Austin is closing since that's one of your major reasons for holding the Sapphire Reserve. Hopefully they can build something more robust in that airport someday to compensate.

[@jaysonpadilla9588]

One thing you need to clarify is that the Amex Business Platinum only earns 5X on flights booked through the Portal. It does not earn on flights booked directly with airlines thats a stuff unique on the personal side. Theres a lot of confusion out there with this

[@christianchua8408]

Incorrect. The 5x triggers if you book directly from an airline.

[@SpencerJohnsonOfficial]

That's a solid catch! As someone who plans to mainly only use points to fly, that's not a big deal to me, but definitely could be for some. Also remember the Business Platinum has a 35% points rebate for flights booked through the portal on points so that's what I'd be targeting more than cash bookings (for domestic flights specifically). For international flights I'd be transferring out.

[@jaysonpadilla9588]

@@christianchua8408 I personally have the Amex Business Platinum and I can show it only earns 1x direct with airlines. Business version

[@jakewelding4172]

@@christianchua8408you’re wrong broski plat business is only 5x through portal. Personal play is 5x through portal and direct

[@MichaelDavid81]

@@SpencerJohnsonOfficialI think the 35% rebate is only for business/first class flights (any airline) and on your 1 “chosen” airline for economy flights (delta, United, etc)

[@johnmckinstry6057]

That would be good if you did a full video of the cards you mentioned that did not make this list. I would definitely like to see that! Anyway, that U.S. Bank Altitude Reserve card is probably the number one premium travel card on my list of premium travel cards to get. It may be a few years before I would apply for the card and where I could reap the full benefits of that card, but I do like that 3x mobile wallets category and the fact that the $325 credit covers dining. The Hilton Aspire card is a card that I would eventually like to get also as I already have the Hilton Honors and the Surpass cards. The Wyndham Earner's Business card is a card that I have considered, too. In my case, however, I am eyeing the Choice Privileges Select card issued by Wells Fargo. That is a card that I could see myself getting as early as next year. The IHG Business card is also a possibility for me as it would nicely compliment the IHG Premier card that I already have.

[@SpencerJohnsonOfficial]

Thanks for the suggestion my man! I completely see where you're coming from with the USBAR... I'm in the same boat too. The same is true for the Aspire as well! We'll see if I do the full Hilton ladder or not. And great note about the Choice Privileges cards. Those are underrated as well! So many great options out there that I feel as if I could make a few videos on this topic. Thanks so much for the comment as always!

[@sebastiangeiger3480]

You call the free night award of the aspire card a weekend (!) free night award. But is there really a restriction to weekends? I didn't find that condition.

[@hoopskid9452]

No there is not. I am using mine on a weekday

[@SpencerJohnsonOfficial]

My bad! They changed it from weekend free nights to normal free nights earlier this year. Just an old habit in this one! Updated the pinned comment to reflect that.

[@sjg6158]

Excellent point on the Hyatt Card. Having the Chase Sapphire Card and/or Bilt effectively replace the need for that card. I'm hoping Bilt expands to allow mortgage payments. That would be sweet.

[@SpencerJohnsonOfficial]

Agreed! Hoping to see a higher-tier Hyatt card in the near future.

[@73ocampo]

Good morning from Oregon, I watched Stan apply for this Reserve card. Wow, what a process. He put in the time and work for that card. Thank you for the video. By watching you're channel and the other channels. I finally raised my score 740+ across the board. Thank you !

[@SpencerJohnsonOfficial]

Good afternoon from Texas!! Stan has definitely been an inspiration for the USBAR for a lot of us. Congrats on your credit score btw! That's so great to hear. Thank you for watching brotha!

[@73ocampo]

@@SpencerJohnsonOfficial 👏

[@deboskycrown3470]

Why are you downgrading your Venture X?

[@SpencerJohnsonOfficial]

Decreasing overall annual fees and getting rid of benefit overlap with my CSR are the main 2 reasons. Still undecided if that's the route I'd go though.

[@danielturner8798]

My wife and I are going for the CP again right now. Two years ago she got it with a business and a personal card. Now it’s my turn to do the same. My business SW card arrives in a few days!

[@franciscomontilliano4721]

I'm trying to get the Charles Swab Amex during my end game. I also like the IHG. I'm going to try for the Venue X next and work on the Ritz-Carlton after a year. Cool video Spencer 😎

[@yechenzhu8534]

Hilton and Hyatt credit card, which one is better you think? Compare to the annual fee and benefits.

[@yechenzhu8534]

considering using internationally, not in the US.

[@SpencerJohnsonOfficial]

It depends on a few factors including which Hilton card you're talking about, which hotel chain you frequent more, what credits and benefits you'd utilize, etc. If you're strictly using your card internationally and just need worldwide acceptance as you mentioned in your second comment, you may have a harder time with the Hilton cards since they're Amex cards, but that may not always be the case.

[@ryryj21]

The new welcome offer for the Hyatt card has me eyeing it for sure

[@SpencerJohnsonOfficial]

It’s a super solid offer. I filmed this before it came out, but unfortunately I can’t go for it either way rn with my 5/24 status.

[@jakemiller2845]

Was not aware of some of these, thanks for the review! Did you end up product changing to the Ritz Carlton card? Not sure if I missed that unboxing!

[@SpencerJohnsonOfficial]

Of course! Glad you found it valuable. I decided to hold off on the product change to the Ritz cars as I don’t stay enough at Marriotts rn to justify it and I’m trying to keep my AFs manageable with all the cards I want in the next year or so. I won’t hesitate to PC to it when it makes sense tho!

[@sjg6158]

Spencer - I have that SW card and it's great. It pays for itself. I thought SW points were on average, 1.5 cents/pt. Maybe it's changed? I do worry about the changes coming at the airline though and the rewards program. That's a great card though for the reasons you mentioned, and to add, many one-off deals are offered on this card either directly from SW or Chase. Great work Sir.

[@FreedomFinanceFun]

1.5 is above average on a route nobody like or a weird time slot

[@SpencerJohnsonOfficial]

That's awesome to hear! In my experience, I get 1.4 cpp on average with SW directly, but it varies a bit. I'm interested to see how their valuation changes over time, but for now it seems like they'll still have a really competitive ecosystem. Thank you for watching as always!

[@jamesv5802]

I use both Venture X cards. It is simple for my wife however they look the same and we sometimes use the personal for business etc

[@SpencerJohnsonOfficial]

Nice man! I wonder how much value you're able to find with that much overlap. Any particular reason you hold both right now? I'd be curious to know. Thanks for watching as always!

[@jamesv5802]

@@SpencerJohnsonOfficial I did not have great credit card knowledge. I own a restaurant and was using the Ink cards for the business and my Chase Amazon card for personal for 6 years. I wanted 2% back and I opened a business card and my wife opened the personal card. We go to Thailand once a year and can use the credits easily. I plan on getting many more cards until they don't let me get any. I wish there was a good grocery business card. We cannot mix personal and business spending in case we ever get sued(which we did once) A good lawyer will use that to remove the safety of our LLC. I would love to use the Amex gold for food. Keep up the great work. I enjoy watching these videos. I hope the Amex business card gets a refresh.

[@samuelpacey6646]

Do these cards hold any value if I’m from Australia?

[@soapa4279]

I did open a US Bank checking account just to eventually open the USBAR. Can’t wait to apply once I’m at least 0/6 to up my chances

[@SpencerJohnsonOfficial]

I need to do the same! Let me know if and when you get approved!

[@jrome1135]

Unless you live in Florida or New York (i think), you no longer need the pre existing relationship w usb to get the AR afaik

[@soapa4279]

@@jrome1135 Yeah not required, but just following various data points it greatly increased the approval odds

[@jimmyjames6492]

Hilton. For the Stay. Thanks for the info + video!

[@SpencerJohnsonOfficial]

Good to hear! Thanks for being here as always brotha/

[@Milkinporsche]

US bank altitude reserve is definitely on my radar.

[@SpencerJohnsonOfficial]

I think it should be on many of our radars, that’s for sure. It’ll be a bit before I go for it, but it’ll get added at some point.

[@williamfeliciano6003]

Surprised you didn’t get a Hilton aspire card or Hyatt?? I especially with this offer right now!

[@SpencerJohnsonOfficial]

They're both on the list one day! Just not right now with my roadmap.

[@RA-fm8wr]

RiP the Caesars status match. Wonder how many people cancel it. Ill keep for the gas and utilities and if you go to Wyndham resorts the upgrade is worth it

[@williamfeliciano6003]

Can’t wait for the southwest videos. Hope you apply for both cards soon!

[@SpencerJohnsonOfficial]

Coming very soon!! Excited to release those.

[@surferc100]

I’m debating if the aspire card is worth the 5/24 slot as I’m at 3/24 and just started venturing into chase biz cards. Out of all hotels I do stay at Hilton the most. I was looking at this versus the Amex biz Hilton but not much upside aside from SUB (already have Amex plat/HH gold status). What would you choose… Aspire vs WOH biz vs Amex Hilton biz?

[@SpencerJohnsonOfficial]

Out of those 3, right now the Hilton Aspire blows them out of the water if you stay at Hiltons frequently and will use the credits on it. If you went for it, you’d only be at 4/24 and could still go for the Ink cards too. It all comes down to preferences tho!

[@surferc100]

@@SpencerJohnsonOfficialgood point! I haven’t gotten a CSP yet to start the clock on churning so my next 5/24 slot I’m super cautious about. So I guess what the real question is CSP vs Aspire. In all likelihood will go for the CIU first then one of those two

[@SpencerJohnsonOfficial]

@@surferc100 I guess it depends on how much you need one vs the other rn. You could always go for the Chase Ink Preferred for transferability if you wanted to! Luckily you have options.

[@SpencerJohnsonOfficial]

@@surferc100 I guess it all depends on which one you need more rn. You could always go for the Chase Ink Preferred for transferability too, so luckily you have options.

[@gbouton2011]

Schwab platinum is a good endgame set up

[@SpencerJohnsonOfficial]

Agreed!

[@darkmold7597]

Cant get access to the schwab card rn.... Bro please tell me its just cause it's a holiday

[@SpencerJohnsonOfficial]

Interesting. It seems like applications and everything are still open so that's odd. Hopefully it's fixed!

[@DaIton-]

The Altitude Reserve seems like I card I’d try to get in the future but I’d be worried about any changes they make to it because like Stan has said the reason it’s powerful is US Bank hasn’t made any changes

[@SpencerJohnsonOfficial]

That’s very fair! But hey, I’d never be mad about another welcome offer even if they do end up making changes to it 🤷🏼‍♂️

[@DaIton-]

@@SpencerJohnsonOfficial I agree a bigger welcome offer and maybe transfers partners would make this card amazing, hopefully though they wouldn’t lower the mobile wallet multiplier

[@samuelbenton9437]

Great video, Spencer! I’ll be in Austin later this week to watch my bulldogs take on your longhorns. Gonna be a good game!

[@SpencerJohnsonOfficial]

Thank you Samuel! I'll be at that game, so feel free to say hi if you see me! Hook em 😉

[@druiz012]

Right now I think the WOH card might be a good deal for the right person... 5 cat 1-4 free nights. For instance I just got back from Japan. I spent 5 nights in tokyo. 1 on a cat1-4 and 4 with 66k points. At a Cat 4. Each of those nights the rooms were going for over $500... in my particular case the 5 nights would have been way better than spending $15k for 60k points.

[@druiz012]

Also this card just help me get 3 free nights. 1) my year just came up. 2) I hit $15k spend 3) with the 6 elite nights through spend I am at 33 nights and got a free night for hitting 30. I'm thinking either the Tommie in Austin or the Hyatt Centric in New Orleans for those 3 nights...

[@SpencerJohnsonOfficial]

Dude that's awesome! With the limited time offer, I completely agree that now is a good time to go for it. I unfortunately can't with my current roadmap, but I wish I could! I'm really glad you've gotten so much value from it, but I still hope they release a slightly higher-tier version. Thanks for the comment as always brotha!

[@druiz012]

@@SpencerJohnsonOfficial i agree a higher tier Hyatt Card would be dope.

[@34skyline]

I got a 250k offer for the business platinum but the spend requirement is a bit hard $20k in 3 months can you spend that much in such short period of time? plan to get US bank altitude reserve but still working 2 subs platinum 175k $8k spend and business plus 50k with $15k spend

[@SpencerJohnsonOfficial]

That's a great offer. With tax payments next year, I don't think I'll have much of a problem with that, but we'll have to see! Sounds like you're occupied for a while which is great.

[@RA-fm8wr]

I had the 200k biz Platt offer with 30k spend and did it only to get another 250k with 15k spend. Really frustrating but when you have multiple businesses and they know it, and you spend, seems they really throw things at you

[@MyNameJim]

Sucks not being able to get the SW Priority because of 5/24. I live 15 minutes away from a SW hub, but I have to wait for two years to get it. They're probably going to change the awards by then with the new SW changes happening right now.

[@SpencerJohnsonOfficial]

For frequent SW travelers the card is really solid. Their application rules can be tough though, especially combining them with the 5/24 rule. I hope they don’t change it too drastically unless they make it even better 🤷🏼‍♂️

[@Tony_Laf7]

Try a southwest business card?

[@MyNameJim]

@@SpencerJohnsonOfficial yeah I want it so bad! I fly SW 10 times a year. I might have to switch to Delta til I’m below 5/24 though, since Amex approved me for their current SUB

[@Dre_jr]

Question! (Excuse me I'm very uneducated about hotel statues? So with the Hilton status once obtained, let's say through the means of the Hilton aspire credit card feature, is that status for Life? Or it depends on if you keep renewing your annual fee?

[@SpencerJohnsonOfficial]

No worries! It's only active while you have the Hilton Aspire card. Earning lifetime Hilton Diamond status requires a lot more effort and time.

[@CarlozN]

Excellent vid, man. 👌🏼

[@SpencerJohnsonOfficial]

Thank you so much brotha! That means a lot.

[@thidang9682]

What's the reason why you want to downgrade your Venture X to the Venture?

[@SpencerJohnsonOfficial]

The main 2 reasons are to decrease overall annual fees and get rid of benefit overlap with my CSR. But idk if I'll go through with it yet.

[@relaxingricky]

My brother the Chuck card is the way to go. But definitely do your plan, because 175 is better than 80. That's just a simple math equation. Great video as always.🤙🍷

[@SpencerJohnsonOfficial]

I appreciate the input! And thank you for watching and commenting.

[@jamesyu613]

i'm been eyeing on the UA but i'll wait for a good SUB right now i'm rocking the chase trifecta along with my ccc

[@SpencerJohnsonOfficial]

That’s fair! I’d love to see some elevated offers on it. In the meantime I should probably open a US Bank bank account of some sort to start building a relationship.

[@jamesyu613]

@@SpencerJohnsonOfficial I heard us banks cards are hard to get approved and ya that would awesome.

[@williamfeliciano6003]

Anyone getting the chase high sign up bonus?

[@AndyRenwick1]

I don't think the SW Priority card includes 2 early check ins. That being said, I still think it's a great card for anyone who flies SW at least a few times a year.

[@SpencerJohnsonOfficial]

Thank you for catching that! I just cut that little mention out. It's definitely a great card nonetheless!

[@FreedomFinanceFun]

Hyatt card would be nice if they gave 10 elite night awards. Explorist doesn't give many clear benefits

[@SpencerJohnsonOfficial]

That'd be awesome!

[@Durin-vd9wi]

Thanks spencer for the consistent high quality content and input on the credit card space.

[@SpencerJohnsonOfficial]

Absolutely!! I really appreciate you supporting my content. And thanks for being here early today! 🥉

[@Cryptid71]

All due respect mate You need to be using those points for international travel. You are getting horrible value if you are using them inside the United States. Trips to Europe Eastern Europe Asia getting anywhere from 4.5 to 7 cents per point

[@williamfeliciano6003]

He needs to get a Hilton card lowkey

[@billwright2176]

Listening to your review including the us bank card, i think it's a 90 degree turn from what most people just built. No offense ment but it's the current shinny spoon that content creators want. I think your set up with a few good cards will suffer a loss of opportunity for this new direction. Neat to have or needed are two different reasons. Southwest cards probably will change in the next two years. New direction with new leadership may make the direction southwest goes outdate the cards benefits.. WYNDHAM would be a nice card. The status match to ceasers Diamond is diamond Lite. It's Diamond with 0 tier credits. CEASERS especially the current management of ceasers values play. Yes a few perks but even being a organic Diamond, isn't very high in tiers for ceasers. There are actually 3 levels of Diamond. Below diamond organic earned gold and Platinum with play with cesears will be getting free rooms already while the status match Diamond is just getting waved resort fees. Would you value free rooms or resort fees waved? Lol. Also the tier matched Diamond and platinum ( you can tier match the Wyndham personal card also for ceasers platinum) both can get the Atlantis in the Bahamas but you will be expected to gamble or they charge you for the rooms. They have a minimum and will be watching . Wyndham and ceasers will let you transfer 60,000 points a year. Both directions. You can also get status at Wyndham from ceasers. And use ceasers reward points towards Wyndham.

[@SpencerJohnsonOfficial]

Thank you for all of your input Bill! You may have missed it, but the USBAR is one I don't plan to add for quite some time. It'd be an end game card, so it doesn't impact my strategy rn. With the SW cards I'm hoping they still remain competitive despite the changes. I could see them being even better actually. For the Wyndham card, I'd never earn Ceasars status naturally, hence why I'd be completely fine with "Diamond lite" over nothing at all. Thanks again for the comment as always!!

[@Thecreditcardconnection]

The Wyndham Business Earners card is 🔥. It was a pain in the ass to get (2 months with the back and forth) thank you for the shoutout! I appreciate it! ❤️

[@williamfeliciano6003]

@@Thecreditcardconnection I just hate that in California it’s all motel 6 and run down old building ….

[@SpencerJohnsonOfficial]

Yessir!! I hope I have an easier experience than you in that regard lol. Thanks for your suggestions in the livestream man!

[@NathanielRay_official]

Why are you talking about chase 5/24 when you are talking about an amex card?

[@soapa4279]

Amex cards count towards 5/24 and he’d prefer to keep his 5/24 slot open in case he applies for a Chase card

[@SpencerJohnsonOfficial]

As soapa mentioned, I really try to limit personal card application since personal cards add to your 5/24 count. 5/24 doesn’t impact Amex applications, but Amex personal cards impact Chase applications as do all other personal cards.

[@NathanielRay_official]

@@SpencerJohnsonOfficial Thanks! I didn't know that. Love your content and keep going!

[@NathanielRay_official]

@@soapa4279 Thanks for answering my comment!

[@松雪葉]

Schwab gives you 200 dollars annual statement credit if 1 millionb dollars balance on brokerage account.

[@SpencerJohnsonOfficial]

That's a high opportunity cost with other ways to possibly make that money go further so I'd assess all options!

[@DugrozReports]

Hey Spencer! The Wyndham business card is pretty great! I just used it to book a (very well reviewed) Wingate hotel right next to an airport; since they give you 15K points each year, and the hotel was 15K, it was basically like I paid the $95 AF to get a hotel that normally would cost ~ $150 per night or more. PLUS, because of the 10% "go free" discount it was actually only 13.5K, so I have a little left over!!!! Plus .... Vacasa. :)

[@SpencerJohnsonOfficial]

Hey Dugroz! That's awesome to know. It definitely feels like a card that's easy to justify every year. Hope you're doing well brotha!

[@Thecreditcardconnection]

I just love the cards on your list! I also want the US Bank Reserve and Aspire card. But those annual fees are hard to swallow with my other 26 cards which now total $2600 a year. Thank you Spencer! I appreciate you!

[@SpencerJohnsonOfficial]

That's great to hear! You were definitely a heavy inspiration in this one. I can see why you'd hold off on the USBAR and Aspire with your situation. I bet you'll get em one day though 👀

[@Thecreditcardconnection]

@@SpencerJohnsonOfficial I really appreciate the work you put into this. It’s not easy! Thank you so much ❤️

[@jake2easy679]

i didn’t realize how powerful the Wyndham Business Earner was. applied and got approved today. thanks for putting me on to it man!

[@williamfeliciano6003]

I kinda on the fence it’s only good for Vegas other than that the hotels here in ca are garbage. All motel 6, 8

[@Lancun]

@@williamfeliciano6003 And now the Caesars match is dead...

[@eddiebentley1406]

The Wyndham I kinda agree with u and the US Bank card could be an good everyday card with mobile wallet and boost with their travel portal

[@williamfeliciano6003]

Besides Vegas I hate Wyndham hotels here in cali. It’s all motel and super 8 over here 😢.

[@eddiebentley1406]

@williamfeliciano6003 they have a few resorts in the Caribbean worth looking into have to do ur research... Super 8 is terrible motel and cheap, that is my opinion

[@SpencerJohnsonOfficial]

I'm happy to hear that! Thanks for watching Eddie.

[@DC_Consulting_DC]

I prefer Wyndham's annual points because they never expire versus annual certs that expire within a year (Marriott, Hilton, IHG, etc.).

[@williamfeliciano6003]

Yea but it’s only good for Vegas and a lot of there hotels are pretty bad ngl… look it up

[@Xavier_ID.]

👍🏼👍🏼

[@SOXGATORS]

👍🏻

[@SpencerJohnsonOfficial]

Tight race! 🥈

[@JakeVanderPloeg]

First?

[@SOXGATORS]

Yep

[@SpencerJohnsonOfficial]

Dang son! I appreciate you 👑