Amex Trifecta - A Powerful Setup (But Not Worth It?)

The Amex Trifecta might be one of the best credit card setups in terms of value for the right person, but in this video I explain why the 3 American Express credit cards in the Amex Trifecta are not for everyone. Here, I talk about both the good and bad of the American Express Trifecta so that hopefully you can make a decision as to whether you should have all, some, or none of these credit cards in your wallet.
So first of all, the Amex Trifecta is typically made up of the Amex Platinum Card, the Amex Gold Card, and the Amex Blue Business Plus. Each of these credit cards have their own benefits and features, but what I’ve found is that there’s no real advantage to combining these cards together in a setup. Every credit card out of these 3 also earns Membership Rewards Points which can be really valuable, but those credit card points are only worth it if you plan to use them for travel and not cash back.
Hopefully this video will help to explain what exactly the Amex Trifecta offers so that you can make a decision on what cards you should look to get. But as always, what works for you is not going to work for everyone. Make sure you do your own research on these Amex credit cards before you look to get them, but they can be really powerful if they do make sense for your situation!
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CHECK OUT SOME OF MY OTHER VIDEOS:
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Amex Platinum Card - 13 Things You MUST DO: • Amex Platinum Card - 1...
Amex Gold Card - My HONEST Review (After 2 Years): • Amex Gold Card - My HO...
How To Redeem Amex Points For MAX VALUE (Beginner’s Guide): • How To Redeem Amex Poi...
How To Climb The Credit Card Ladder (Explained): • How To Climb The Credi...
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DISCLAIMER: Some of the card links and other products that appear on this website are from companies which Daniel Braun will earn an affiliate commission or referral bonus. Daniel Braun is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.
The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Daniel Braun is not a financial advisor. This video is for entertainment and educational purposes only, it is not financial advice.
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[@SpencerJohnsonOfficial]

This setup is definitely NOT for everyone. I have found a ton of value in just having the Amex Gold and BBP alone. At the end of the day, if you won't get positive value from the credits on these cards and don't want to use your points for travel, I would look someplace else. Don't always fall for the hype people!! Great video Daniel. Hopefully this helps people look at this setup in a different way.

[@caribdude8151]

Haven't seen the video yet but I agree with this comment!

[@SpencerJohnsonOfficial]

@@caribdude8151 I'm glad we can agree! I think Daniel makes a ton of great points in this one and seems to agree with this sentiment.

[@rjalbers2326]

I think I’m going to get this setup and just get the Capitalone venture x for lounge access

[@2808Heavy]

Dan, I’ll start by saying that you’re probably the most honest guy in this space so far. I’ve been at this a long time and most vloggers gloss over these cards instead of just being honest. I’ve honestly thought really hard about starting a channel just to tell folks what others won’t. So with that being said, thank you. But I agree…Amex isn’t for some folks. It’s a very complicated program if one doesn’t want to take the time to learn. Using their points for domestic flights is almost a waste. They really only shine for international first and business travel…and even those take a lot of points and usually come with fuel surcharges that most vloggers don’t want to speak about because then they can’t refer to the travel at “free” anymore. Airport lounges can be nice…but most domestic lounges aren’t. You’re never going to get steak and lobster…most of the time it’s like man & cheese, lukewarm soup, hummus and crackers, and light snacks with cheap to mid-shelf liquor. Domestic first class is just a wider seat…shy of Delta, most don’t offer seat back entertainment. Saver space is hard to to fine. Better be prepared to travel on Tuesday, Wednesday, and Saturday to have the best luck. And I’ll end my rant with saying that most could do better with the Citi Premier at $95 AF as it earns 3x on most every day categories (dining, grocery, gas, hotel, airfare). ThankYou points with this card can be cashed out at 1cpp without having to hold another high dollar AF card like the Schwab Platinum. Sure it doesn’t have travel protection but unless you’re traveling a lot you can purchase protection per flight for fairly cheap or just by an annual plan. Amex protection forces you to book round trip anyway which I hate because I may want to depart on American and return on Southwest….I like options. So many other options and this is coming from someone who holds the very cards you mention. But I like for folks to be transparent and honest so folks can make the best decision for themselves rather than telling them that it’s all sunshine and rainbows by having lounge access when in reality the lines are long, the food is okay at best, and the experience isn’t always what you find on Instagram. Anyways, I’ll keep watching and thank you for being some honesty into this space because a lot of folks refuse to. I’ll continue pondering the idea of starting a channel that strictly debunks the myths that other vloggers speak of in this space because someone needs to and I’m glad that you’re on the track of doing so. Til the next one!

[@TheDon6]

This was helpful for me. Looking to get into a travel card. Only problem is i travel maybe 1x a year.

[@Daniel_Braun]

@2808 Heavy thank you so much for saying all of that, and great points! You should definitely start a channel! I’d be happy to help in any way 👍

[@Daniel_Braun]

Thanks so much @TheDon !

[@jonathan248]

I just started watching your videos about a month ago. As an 18 year old with 4 credit cards, I really like your content and find it valuable.

[@Daniel_Braun]

Thanks so much for watching Jonathan, I love to hear that! Nice to see that you're off to a good start building credit at 18 like that 👍

[@L1KABOSS10]

Just got accepted for my first Amex card (decided to go with the Gold)! I was able to secure the 90k point sign up bonus as well. To say I’m excited is an understatement!

[@fbx03]

5/24 pushed me towards this setup. I'm a big fan. I use most of my platinum coupon book. The combined Uber credits with gold and platinum have been useful in the clutch lately and a 2x catch all no AF in the BBP is a no brainer. I took a trip with my gf in December using FHR and only used a portion of my points and it covered a 4 night stay. I use my Walmart+ pretty often as well. Worth it to me!

[@Yaw_Jr]

Fantastic! I've watched close to 6 of you videos today. I never considered partners or calculating the points equivalent.. You've introduced me to a whole new world. Thanks!

[@parkertunnell895]

Great video! (12:42) I think there actually is a great additional benefit in combining Amex points. When redeeming points though Amex travel you are correct that you don't get a points multiplier like with Chase, but you are still receiving a ton of perks if you redeem with the Platinum card (lounge access, trip delay, baggage insurance, rental car status, hotel status, etc). In this way I would say the Amex trifecta does work well with each other as the points you earned on let's say your blue business (which does not have many travel benefits) are much more valuable when redeemed with the Platinum as you will now receive the afore mentioned perks. I agree the Chase trifecta does work better together if you are cashing out instead of transferring, but if you are transferring out I would say both of these trifectas provide similar benefits! Thanks for reading :)

[@joevitale1290]

Your Channel has provided so much information on how best to handle credit cards and how to maximize the value you get from them! Thank you for what you do here Daniel!

[@Daniel_Braun]

Thank you so much for saying that Joe! I'm always glad to hear positive feedback like that! Plenty more content to come - I appreciate your support here 👍

[@tylerneuhaus573]

I got the Amex gold because of your videos. It’s been a great card for dinning and groceries. Thanks for all the tips and tricks.

[@Daniel_Braun]

Love to hear that! Definitely a great card when it's used the right way - thanks for watching!

[@rkingfarmer]

@Daniel Braun I currently have the venture X, capital one journey, and freedom flex card. What route or card(s) should I go next? Was thinking of AMEX gold and chase Ink business unlmited but don't know if it's worth working on a trifecta.

[@anthonygardner400]

As always, very well thought through, my friend! Hope you’ve gotten off to a good 2023!

[@Daniel_Braun]

Thanks so much as always Anthony! Hope your 2023 is off to a good start as well 👍

[@OCLex]

planning on getting the amex bbp this year and would love to see more business cc content and how to use them to our advantage please! dope video as always Daniel, really appreciate what you do!

[@Daniel_Braun]

Thanks for letting me know, I definitely plan to make some more content around that! Thanks so much for watching as always!

[@sjg6158]

Thanks for the new video Danny. I hope all is well.

[@EthanPatrick_CreditCards]

Gotta say that I totally agree it's not really built for the average person. I think the Chase trifecta has the win in comparison, but like you said each AMEX card could be a good pick depending on your circumstances. But there's a lot of work that goes into learning point redemptions and I don't know why anyone would want AMEX cards if they're not transferring cards haha. Great video Daniel. You're awesome creator.

[@EG3x]

Thanks you’re videoes have helped a lot am 18 and just got my first two cards which are the Discover student card and the capital one platinum card they have a low limit so I’m just using them for small purchases like snacks at a gas station to have a low credit use reported back

[@dannyrimes3958]

I completed the trifecta last year and love it. Currently have close to 300K points from the 3 cards and only 200K were from bonuses. I also got other cards last year so if I had only used amex cards, I would probably have another 100K. I have been able to justify all the fees with the credits the gold and plat offer. It works for my life, it won’t work for everyone’s life. You have to weigh the cost and value before you apply.

[@LK_EBM]

What are you planning to use your points for?

[@Daniel_Braun]

That's great to hear! Glad to know that you've clearly looked at the value of the credits and benefits and are able to justify it for your lifestyle. Enjoy the points whenever you use them!

[@dannyrimes3958]

@@LK_EBM been wanting to plan a Europe trip for a while so stacking points for business class flights. That’s the best redemption type available I believe so that’s a big reason why I got into these cards.

[@nandii17]

Nice video Daniel, thanks for your help! 👍🏽

[@angelfonseca7198]

Dude you have been a game changer for me. Thank you for all you knowledge and putting that out there for us. Keep it up!

[@Daniel_Braun]

Thank you for saying that Angel, I really appreciate the support! Plenty more content to come!

[@bryanenglish7841]

I use the Gold and BBP cards purely because I live near a Delta hub and travel once or twice a month. I don't bother with the Platinum, and the BBP is my "catch all" card for purchases that don't fall under any special category.

[@louiscarrion7725]

Love the video Very informative! I look forward to seeing your future videos on how you transfer your points to different airlines ‘for those crazy high CPP values!

[@Daniel_Braun]

Thanks so much for watching Louis, glad you liked it! Yeah those videos are really fun to make so I'm hoping to do more transfer examples very soon!

[@louiscarrion7725]

@@Daniel_Braun You’re the reason I got an Amex trifecta earlier last year I was able to book a round-trip ticket to Amsterdam through point transfer through virgin Atlantic by watching your videos. Looking forward to more content!

[@Daniel_Braun]

@@louiscarrion7725 so awesome to hear! I’m finally checking out Amsterdam this fall and really looking forward to it!

[@tanishamckinley5259]

I also have this trifecta and it works for me. Haven’t had a full year yet so I’ll see how much value the platinum holds in the long run as far as it being worth the high Annual fee. But the credits do offset it. I have Hulu and save $20 per month on that as well as Uber with both the plat and gold I get $25 credit each month which I usually use. Also, the cell phone protection and other benefits like access to lounges, etc. help justify the cost. Also, I spend a lot on food so the gold seems to be the only card that gives you 4x points on restaurants and grocery stores. The Chase only gives you 3x for online grocery shopping. I’m working on the getting the chase trifecta as well so I’ll see which one is best in the long run.

[@Jiggy609]

Does the gold offer credit towards the disney bundle?

[@lesolanhny]

@@Jiggy609 no only the platinum

[@CharlesHeitz]

The Amex Trifecta is over sold on YT. In most "regular folks" cases, the Everyday Preferred and Green cards would be a much better duo. $245 af 4.5x on Groceries, 3x on Gas and 1.5x on everything else (with 30 transactions a month and if it's your main card, easy to do) then 3x on travel, transit and restaurants hits nearly every category.

[@CharlesHeitz]

Oh and with the Clear and Lounge Buddy credits of $289 you are net positive about $45!

[@LalitDevraj]

Daniel, you have inspired me a lot, in life by how far you have come and the calculated risks you've taken to transitioning to YT full time. Mad respect and thanks for always crushing it and everything man. Thanks for all you do and I've learned a lot from you, not just another pov regarding everything credit cards/personal finance but in general - you inspire me man to take things to the next level/consider everything and so much more. Keep up the phenomenal work. I was DM you thisyet you uploaded today and here's the same message :)

[@joshua.butler]

Nice job getting those flights Daniel! Excellent redemption value🤑

[@Daniel_Braun]

Thanks Josh! Yeah I'm really excited that I was able to lock in that deal when I booked it!

[@PurpleDrazi]

Re the BBP. Thank you. Most people explain this away with "you don't need a business" or "you don't need a *real* business". Your answer, IMHO, is more honest.

[@LionsDad.]

Thanks for this complete video!

[@qwaze2000]

🏬 Great content! Definitely interested in more business credit cards.

[@MrBremby22]

For the active duty military community, AMEX and Chase waives all annual fees for active duty service members. Factor that in when making your choice.

[@Chevy2Tyme]

Yes, I'd like to see more content on business credit cards.

[@Daniel_Braun]

Awesome, more business credit card content will be coming up then! Thanks Chevon 👍

[@Andrew20000]

Hey Daniel! Would love to see a video on the X1 credit card, see good and bad about it.

[@BuiltNutritionFitness]

Love the video. I think it’s too rich for me but I think subbing the platinum for green is great for someone who only travels a hand full of times a year

[@MrTJCM6]

I got the Gold late December 2022 and I’m currently working on the SUB. I’m working towards the Business Blue Plus next after 6 months and hopefully towards the end of the year to early next year I want to get the platinum!

[@Erenthenub]

Make sure when you apply for those cards, use a private window on your browser. I got my Gold Card in dec 2022 as well. I just checked the platinum SUB on my normal browser and it was 25k for 2k/6months. I used a private window and had a targeted 125k/6months offer.

[@ItsMeCJ]

The coveted Amex Trifecta…I’m only lacking the Platinum card and that’s for a good reason. That $695 annual fee 😬😬….Yh, I can use some of the credits for sure, but this card isn’t a good fit for me at this time, but we’ll see what happens in the future. I still really want to experience the packaging for the Platinum though 😂. Good video as always!

[@asianriceballz]

Great content Daniel. I have the Blue Cash Everyday, Gold & Platinum and I tell people Amex will give you some of the best multipliers and great sign on bonuses but the downfalls are expensive AF's, a lot of the credits are useless and a lot of places do not accept Amex due to high service charge fees, hence why they give great multipliers. Chase Trifecta is better for the average consumer but for people like you and I, we gain positive net value per year owning these cards.

[@Daniel_Braun]

Thanks as always for watching! Yeah I agree that for people like us that fit what these cards offer then they can make a lot of sense to have for their value!

[@walex19]

I have this trifecta. Love it!

[@Daniel_Braun]

Nice! Yeah it can be really powerful when it makes sense for what you need and you use the points for travel! Thanks for watching 👍

[@TheCreditFrog]

I love the AMEX Trifecta myself, but lately I’ve been questioning it as well. Not popular opinion, but the Platinum is the one I would pick out of the 3. I would’ve said the Gold, but because of all the SUBs out there, I honestly haven’t used it as much as should. Nice take on this topic Daniel!

[@Daniel_Braun]

Yeah I completely get where you're coming from Stan and I would say the same is true for me! The SUBs on other cards mean I haven't used the gold too much last year - but the Platinum card seems to be the most value for me lately. Thanks as always for watching!

[@pripri305]

Love the content! I’ve been following for a year now and I got the Platinum card thanks to your review:) can you please do a review on airline credit cards? I just got the Delta gold Amex card

[@Daniel_Braun]

Thank you so much for watching my content, I love to hear that! And I definitely want to make some Best Airline and Best Hotel Credit Cards videos in the near future

[@SledgeIncTeam]

Good video. For me... Along with the Hilton Aspire card, the Platinum is the best Luxury card. The Gold is my most used card and the BBP is my most used Business card. I use them separately and don't look at them as a "trifecta"

[@Daniel_Braun]

Yeah I really like that you look at them separately and less of like a "Trifecta" because I feel the same way. Thanks for watching!

[@SledgeIncTeam]

@@Daniel_Braun absolutely

[@qwertz247]

That’s my main setup right now. I also have business gold and business platinum to cover gas and other business related stuff. I only pay the af on the biz plat and my other cards are waived

[@chiefcaleb]

I went with the Gold+BBP+Aspire. Aspire seems to be more reasonable for those that travel 1-3x a year. Hell I could do just fine with the gold too tbh.

[@marcusandrews3319]

When you redeem for travel does that only count towards airfare or could you also use them towards hotels?

[@Kiwikify]

Ironically, I get the most value from the platinum due to all the credits. I consider everything else a bonus since I'd be spending more than the $695 for those items normally. The gold is sort of meh for me as it is essentially competing with my SavorOne and the two are pretty similar. The BBP is probably the least appealing card out of the Amex Trifecta for me. I do a lot of purchases overseas so the 2.7% foreign transaction fee really kills it for me. I have debated dropping the gold in favor of using the SavorOne and picking up a Venture or Venture X for miscellaneous spend.

[@Realjoselosorio856]

Question about the BBP Amex card. I opened one up a couple years ago when I was new to welcome offer which I didn’t get 😅 anyways… I opened one up with using my SSN and I was wondering if I can get the same BBP Amex card but apply with a EIN instead of a SSN?

[@fluffywarhampster]

The better solution for most people is going to be just getting the amex gold and blue business plus along with a capone venturex. You have the gold for maximizing your food spend and the blue business plus as a catch all but for your travel categories you have a very simple card like the venture x which gives you 400 bucks worth of travel each year to offset the annual fee($300 travel credit+10k anniversary miles) than you also have a good catch all card if amex isn't accepted. This is the set up I have rn and the reason I won't be bothering with the Plat for a while. Not to mention the venture x gets 10x back on hotels and rental cars booked through the travel portal and 5x back on flights along with your global entry credit and lounge access.

[@Daniel_Braun]

Yeah I think the Venture X is a great alternative to have instead of the Amex Platinum! More affordable and easier to justify the annual fee. Amex Platinum does gives access to their Centurion lounges though which a lot of people want. But Venture X just works better in a lot of cases with the credits it has

[@fluffywarhampster]

@@Daniel_Braun exactly the main issue with the platinum is how its pretty Much a metal coupon book but all those offers are a pain in the ass to use where as the venture x its just a basic credit for any transaction through the travel portal.

[@goldriplication3494]

Daniel, you that is very knowledgeable on these transfer partners, I’ve been looking to redeem my Amex points to a vacation travel to Rio, Brazil. But I’m not finding much more than 1c per point on the airlines “fly with miles” pages. Are there any airlines you’d recommend me for that destination? Thank you! ❤ love the channel.

[@joecool2878]

I have the sapphire preferred card, which matches a bit of my spend. The platinum card is one I want to add to my collection cause of all the benefits and the credits that match my spend would out weigh the annual fee. The other two in the set up wouldn’t fit me. I would want the green card and the venture x if I didn’t go with the platinum card.

[@OfficialEricGao]

The title alone convinced me not to get it. I am building my Chase Trifecta and my Capital One Duo, and once I'm done I can't really fathom getting another Trifecta. Nonetheless, I would love getting some specfic credit cards that's associated with American Express like hotel/airline credit cards, but I don't see any value right now in getting the Platinum and/or Gold Card. Great video Daniel!

[@Daniel_Braun]

Thanks Eric, haha I tried to get creative with it! But yeah I totally get it with you not needing those Amex cards - plenty of other options like the cards you're getting right now!

[@willm3027]

Are the coupon rewards reset or can use again after each year?

[@ashwinkumar256]

Can you do a similar 3 examples of flight bookings using chase cards?

[@IkeVoorhies]

I have a question… I keep seeing this Blue Business Plus advertised as part of the Amex trifecta…. I don’t really have any ideas currently to create an llp or business alone…. Is there any work-around to apply for this credit card???

[@nickh.2381]

One thing to note is AMEX waives the annual fee for military members which makes the platinum almost a no brainer!

[@Daniel_Braun]

Yeah a very good point! As long as you're active duty they will waive annual fees so these cards can be something to take advantage of

[@1sttimemom76]

Great info. Never heard anyone mention this.

[@MrHawaiiboy510]

Is there another no annual fee for this trifecta that you can use instead of the business card?

[@nandhakumarjanakiraman9795]

Question: I have chase rewards 80k. Planning Asia trip and how effective I can use this points? Like transferring or apply other CC to get the points for my 6k spending..

[@bobv5806]

I don’t really look at the Amex trio as a trifecta, for the same reasons Daniel explained here. They need to create synergy to be regarded as a trifecta.

[@redheadfred7763]

Great video! I’m going to sit tight to get under 5/24, so I’m in time out! 😊

[@rodolforosejr.4898]

I'm planning on getting into the travel credit card game. I was wondering in what order would you apply for the amex gold, chase sapphire preferred, and capital one venture x?

[@TheDon6]

Same

[@DayanaPlays]

Personally not worth it for me whatsoever. Great video as always, Dan! 🚀

[@Daniel_Braun]

Yeah definitely not a setup that will work for everyone - too many credits and annual fees haha. Thanks Dayana!

[@jmr18p]

Amex Gold is elite. but this video is spot on. i rather use the Chase cards for travel points and miles

[@Dev-hv4pt]

I wish people hyped up the Capital One bifecta more often. No silly rules to worry about, a much easier travel credit redemption, & significantly better consistent multipliers from the Venture X + Savor duo that can net you +$5 if you only travel *once* a year. The domestic flight partners aren't as good as Chase, but the flip side is domestic flight transfers are some of the worst anyway redemptions, so it's a wash in that regard.

[@TheDon6]

Was the venture x hard to get?

[@josezepeda9157]

Why does the sapphire reserve not offer cell phone protection but since it’s a visa infinite card and visa infinite offers cell phone protection

[@hikintrailsndrinkinales]

My trifecta will consist of a Amex Platinum, Blue Business Plus, and the Ritz Carlton Cards. I want to have 1 Visa issued card for international travel and occasional shopping at Costco.

[@fernandosilva]

Hey for the 110k miles deal. Was that one way or round trip? Just curious cuz I’m doing a similar trip! Thanks for the great content!

[@Daniel_Braun]

That was one way but it was 2 tickets! transferred 88,000 amex points into 110,000 miles because of a 25% transfer bonus promotion that was going on

[@TheRelationshipmemes101]

What I do with the gold Uber credit is wait till the 31st and they give me another $10 for next month but I still have my previous $10 and I buy a good meal with that $20

[@1drummer172]

I’m making the transition to cash back beginning this year; dropping my Amex Green and Gold in a few months and my Platinum in a year or so.

[@Daniel_Braun]

Gotta do what works for you! Cash back is much more straightforward to manage so I completely understand when people prefer that setup

[@1drummer172]

@@Daniel_Braun Six years into my retirement and I’m just about done with my travel bucket list.

[@michaeldowning7094]

When comparing to the Chase Trifecta, this is expensive yet powerful because all the utilization won't be seen on personal side

[@hanchardjo]

Great info 👍👍 Remember their is a fee to transfer Amex points to travel partners

[@Ragnar0321]

i currently have an Amex duo i have the Gold & BBP. the platinum is not for me at all maybe one day it will fit my lifestyle but not now.

[@Moussa225]

Yeah in my journey I see no point in having it right now. I’ve had Freedom Unlimited for years, so combining it with the CSR to get my points popped together was a no brainer. I prefer the Chase Prifecta. But I love the Amex gold card I have. We’ll see maybe if the platinum offered more multipliers it would be a no brained

[@Daniel_Braun]

Thanks for watching! Yeah there's no need for you to get the other cards from the Amex Trifecta if you're getting good value from Chase too. The Platinum is great for the benefits outside of the credits and points like airport lounges as well, but not always worth the high annual fee

[@fatalbert3633]

Hmmm Amex platium for traveling , Hilton honors for hotels, and the blue cash rewards and Citi custom cash to cover other spending =695

[@remyd8767]

Why is the blue business plus always promoted if you need to set up a business. I know it's trivial, but I think we need a non business Amex trifecta. Is there one?

[@rickk-jg2qv]

Hey is it possible to transfer points between personal and business Amex accounts? I had Amex platinum personal and after watching your video I got Amex platinum business with 150K points in hope to transfer to personal but I was told I can’t do it 😢 please advise?

[@ImStillStealingSteel]

Well, the actual trifecta is too rich for me. Lol. But I do have the alternate trifecta with The Gold, The Green & The BBP. ❤😂❤😂 Hey, I love it and it work 😊

[@Daniel_Braun]

Nice, yeah it's expensive and you gotta do what works for you!

[@ImStillStealingSteel]

@@Daniel_Braun - Exactly 😂

[@JT-tb7mi]

That way, I get points for camping, road trips, and snowboarding (Green). Every day, gold needs no explanation. At the same time, I am working on points to decrease the annual trip to South America.

[@this-is-big-john]

This is the exact trifecta Im considering as the annual fee is cheaper than the plat and you get sort of the same point earning. Besides BBP you could get the everyday preferred but that card is ugly af lol

[@diotitus]

I currently have the Amex Blue Cash Preferred but will most likely cancel it and opt for the Amex Gold instead, waiting a couple years to improve my credit score. It's a great card, but I just don't use it enough to justify the annual fee. To top it all off, the 28.24% interest rate and $95 Annual Fee is just really bad.

[@1sttimemom76]

Don't keep a balance and the interest rate doesn't matter. The Gold has a higher annual rate.

[@DaljiImara]

Please do videos for business credit cards. Specifically targeting how you use them as a content creator

[@Daniel_Braun]

Will do, I definitely plan to make some content on business credit cards! I'll talk about how I use them as a content creator

[@IsaAndes]

I think that the amex blue cash is similar to chase's freedom cards.

[@Daniel_Braun]

Yeah the Blue Business Plus or Blue Business cash serves the same purpose and the Freedom Unlimited. I just wish Amex had a non-business version as well! Thanks for watching Isabel 👍

[@dgasmd1]

Even if you travel it may be difficult to justify the Platinum if you don't use the Uber credit and the Equinox. Redeeming points like the channels here show to get 3-7 cent/point has been incredibly frustrating and time consuming for me making it not worth it. However, you can get the Schwab platinum instead and turn all the points into cash at 1.1 cent/point and combine that with the Blue Cash Preferred and the Blue Business Plus to get the most of the multipliers. I don't eat out often and don't use Uber or other food delivery services, so the Gold is not worth the cost. You get the best of the 3 cards above and with the cash redemption lone it pays for itself more than once for me.

[@dgasmd1]

BTW, while the Gold does have the multipliers like restaurants outside the US, it is accepted at so few places outside the US that it hardly get used by me. So another reason not to have it. For that, I use other cards, but still use the Platinum for the hotel and airline purchases.

[@fatalbert3633]

The Amex platium is a great card if you travel at lease twice a year you’ll get back at lease $940 easily

[@jaevonhaywood]

I recently was approved for the BBP but I'm not sure there was confirmation of the SUB and I don't see a tracker anywhere. Does anyone have insight?

[@PurpleDrazi]

Go on chat to confirm the exact terms. Screen shot their response in case there are any issues in the future

[@matthewcruz93]

can you do a video on balance transfer cards?

[@Daniel_Braun]

I think I will probably talk about them at some point!

[@wotenk]

I utilize the Amex fivecta.

[@Daniel_Braun]

Nice! What cards do you include in that for yourself?

[@wotenk]

@@Daniel_Braun Platinum, Gold, BBP, Aspire and Reserve (dumping soon)

[@DiegoNaranjo-cp9bw]

Why not the BCP, BBP and the gold card !?

[@superxt7219]

Did you delete your Bilt video? I think I saw it 10 mins after the upload then when I came back a few hours later I can’t find it lol

[@Daniel_Braun]

I did, I made a community post about it on my page if you want to read why. Basically I had no idea that there were these recent fraud transactions that started showing up on peoples' accounts from brute force attacks. I'm going to be reuploading that video with information added to cover that other negative stuff as well!

[@Sam-iv7ol]

Amex Gold, Hilton Aspire, CSP

[@Daniel_Braun]

Another solid setup of cards!

[@pishposh4506]

For someone who doesn't own a business they could switch out the bbp for the green card, but then you'd have to shell out another $150. And for a card company that's really only good for purchases and travel within the US none of their cards are really worth it unless you do own a business and have to travel a lot for it

[@Daniel_Braun]

Yeah the green card is always another option, but I think that card is a lot harder to justify the annual fee given that there's other cards out there that earn similarly for much less or no annual fee

[@BradleyJackson]

I do this trifecta with the Schwab Platinum. I cash out at 1.1x to my Brokerage. Then my cash back makes more $.

[@tomastaz]

Morgan Stanley Plat can waive the annual fee if you can meet the requirements

[@lisarhoden9056]

I just need the gold and the Blue cash preferred. I don’t travel a lot so the platinum isn’t worth it.

[@randallraines6553]

The Amex green should be turned into a catch all card. That would be perfect for the amex trifecta. GOLD GREEN and PLATIMUM.

[@chrisellinger4560]

I saw a 125k reward on Platinum when I logged in on my mom’s computer earlier today.

[@Daniel_Braun]

Nice! Yeah I was checking around while making this video and saw offers of 80K, 100K, 125K, and even 150K!

[@chrisellinger4560]

@@Daniel_Braun I just got a gold so I have to wait a bit for the next one. Hope it's still there in a couple months!

[@blankprivatecompany9296]

What are places Amex is not accepted

[@dannypowell3458]

❤

[@Daniel_Braun]

Thanks for watching Danny!

[@SOXGATORS]

👍🏻

[@Daniel_Braun]

Number 1 as usual, thanks!

[@ImStillStealingSteel]

❤❤❤

[@Daniel_Braun]

Thanks so much for the early comment!

[@ImStillStealingSteel]

Damn, D. I was watching some more of ur earlier vidz and watching ur current vidz, major different :) Ur more confident and the quality of ur vidz r AMAZING!!!

[@cav5704]

What is the best business credit card in 2023?

[@fatalbert3633]

Replace the gold with the blue cash = 695

[@akin242002]

I love it, but my preferred situation and airlines may not work for everyone. I'm investing with Charles Schwab, I have a family that likes to cook during the week, and we like to fly Delta airlines. For single people, who don't care to invest with Schwab, and who have Southwest or United Airline preferences don't get it. Chase CSP/CFU combo works better.

[@valthelittledragon6056]

Amex trifecta is designed for people that travels a lot.

[@Daniel_Braun]

Yeah I agree! Best to use these cards for travel

[@Channing_Gosling]

I have the version of the Trifecta where Amex pays ME: Amex MS Plat: Free + Any Credits I can use Amex BBP: Free Amex Gold w/ $100 Annual Corporate Card Credit and Using All Uber and Dining Credits: Amex pays me $90 for keeping their card 🤪😂

[@Daniel_Braun]

That’s a next level setup!! Definitely the way to do it in your situation. MS platinum is another very good option 👍

[@darriusjordan6229]

AMEX trifecta, the setup that doesn't work well outside of the country.😊

[@dbest4755]

Daniel - $1000 annual fees for AMEX Trifecta ? C'MON MAN !!

[@Daniel_Braun]

Haha not worth it for everyone! But the credits are worth it for me in this setup, especially on the Platinum card

[@ReubenDomingo1]

Military personnels: 😅