I got a master card from my regional bank in the USA for cash back. Then I got a second card AMEX Hilton Honurs a my first additional card. I used the AMEX for about six months and have 15K points there now, but I really have never used points before so I'm still confused. There is no annual fee with the AMEX so I guess I could take cash back from the AMEX too. Cash back seems the most simple way to go, but the 60-70K bonus points are attractive enough to try it. What is your suggestion?
@royce15106 ай бұрын
💳 We put around 3.5K through our cards every month and I really don’t care for multipliers. Trying to maximize them past the main 2-3 categories we spend in is just a waste of time. I’d rather go after bonuses or free night certs for our family trips
@alexwalker81036 ай бұрын
Been playing the game for a few years and you have been my favorite CCCC (credit card content creator) (Yes. I just wrote that. Sorry, couldn't resist). This is the first video I've seen that broke things down by spend instead of credit score. This is why you are my fave. This was refreshing. You talk about the geospatial realities of using credit cards a bit in this video too. I would love if you looked into the viability of coupon book credit cards away from the coast (and Chicago). I think the community could get a lot of value from that.
@ApplyWithAdler6 ай бұрын
Agreed. Sebby is the best.
@ApplyWithAdler6 ай бұрын
💳 I’m sorry to say that I am in the very high spend. I mix between the chase trifecta, Amex gold, platinum and biz platinum. I’m intentional with my spend and coupon book clicking but realize I’m probably not optimizing my spend/setup as I should. I have a p2 who really don’t want to think about this stuff. Sebby, I’d love a video from you focusing on how you keep track of your ideal card choices for spend and the bonus/benefits of your cards.
@lonz0_06 ай бұрын
💳 Hey Sebby - are you ever going to make an ALL keeper card video? Thanks!
@171corey6 ай бұрын
💳 love your vids man! Been watching for quite some time. I just booked first class Cathay Pacific tickets from JFK - Hong Kong - Beijing for around ~$200 using points
@AskSebby6 ай бұрын
That is awesome!
@1990Ravens6 ай бұрын
I mainly shop at Walmart, Costco, Sam’s and freshfield farms. I mainly use my delta platinum for now. I will be getting both Costco and Sam clubs card.
@oaklandtoindy6 ай бұрын
Venmo visa will get you 3% at all of those grocery stores and 2% on gas.
@Axela056 ай бұрын
💳 Moderate spend. I focus mainly on cash back cards (2 BOA CCRs, 1 BOA UCR, 2 CFFs) so I can cover just about every category possible, plus the SW Priority since it's a solid keeper card for my domestic travel. I have other cards I seldom use, but keep them around for niche use (1 has 1.75% cash back and no FTF, so I use that one for my foreign purchases).
@cardiobuck6 ай бұрын
💳high spend, my setup for the most part (not listing all cards but this is 99% of spend) 1) Amex Plat (perks and 5x hotels and airfare) 2) Amex Gold (4x grocery, restaurant) 3) Amex BB+ (2x non category) 4) Citi Premier (3x gas, 3x food overseas when they don't take Amex, misc hotel $$ not routed through a portal) 5) 99$ Hyatt and Marriott cards for the annual night (handy w/airport layovers) When I'm not working an intro bonus my Amex setup allows for very fruitful gardening. P.S. Bonus Content: I think the Amex Plat annual fee is increasing this year;)!!
@zackeryporio9566 ай бұрын
i run the amex platinum and the gold for 90% of purchases and I have the bonvoy boundless as a backup / gas card and marriot stay card. I travel a lot and spend about 100k a year on the platinum and 50k on the platinum
@traviselectricalservices45324 ай бұрын
What kind of rewards do you recieve for spending 150 k per year on credit cards?
@zackeryporio9564 ай бұрын
@@traviselectricalservices4532 points points and more points so when I travel on vacation I’m able to convert those points to partners to take care of a lot of expenses. The wife and I usually get free flights, hotels, sometimes both. Or for very expensive vacation I might be able to save a bunch on a category
@Ds_Discovery4 күн бұрын
💳 great video!!!
@MrWhatsHappenin6 ай бұрын
Im moderate to high spend. But the size of the city matters for sure. Less things to do in my hometown means less things to spend money on. I just finished my VX SUB and may stay low for a while since I'm at 7/24 and would like a Chase card before I'm retired. Honestly just a stand alone card the VX does it all.
@ranma15074 ай бұрын
I am in the 2M plus spend level, buying products for some resellers on Amazon. Amazon prime 5%, target record, Walmart card 5% CB card is critical to buying earnings. I am spread over many cards and end up paying over 2k in fees.
@itsthattime896 ай бұрын
I’m in the very high spend category (10k plus) I run the Chase trifecta (Sapphire Reserve) with Amex Gold card 💳
@MattMcGrathOfficial6 ай бұрын
💳Absolutely outstanding video. Wish I saw thus before starting my credit card journey a year ago. Have done well this year and considering applying for the Aspire to complete my Hilton Trifecta now that it has an elevated offer now. Thanks for the awesome video Sebby!
@Lifeissorich.6 ай бұрын
I'm in the $1500 month but have the Venture X. I'm debated the Marriott Brilliant or Chase Sapphire Preferred (with the Hyatt card just do go after sign-up bonus) for my next card.
@TheZombaslaya6 ай бұрын
Honestly I'm in a similar spot, I like the VX + Gold setup since there's a lot of overlapping transfer partners, but I also got the Savor One as my backup dining card and the Blue Business Plus in case I ever want to cancel the Gold, or I want more Amex points. I'm kind of eyeing the Altitude Reserve for the future since transferring points around is actually more difficult than I thought, and I don't really care about business class.
@Me-sr7kw6 ай бұрын
Wanted to ask a question. What's the point of the hotel and airline branded cards if the person is not loyal to any brand? Wouldn't it be easier and more effective using a card that earns points such as UR, MR points and then transfer them using the transfer partners?
@stonedig6 ай бұрын
💳 we put about ~$6k/mo on around 4-5 cards because traveling halfway around the world and back for 5 every year needs lots of points and miles 😅
@youngalwyn11246 ай бұрын
💳 I’ll never reach 250k/mo spend nor do I want to. I’m happy with my modest hybrid points/cashback setup. 😊
@WealthLifeAlliance3 ай бұрын
Does the AMEX Gold FIRST, before Platinum to get the SUB also applies to Business version? Thank you! Super great content!
@kilquik885 ай бұрын
I was targeted for a 150k amex Platinum point offer and a 100k gold offer. You're saying to get the gold first then get the platinum?
@memovaillantcoeur961428 күн бұрын
Sebby for the win😂
@Spydah3kgt6 ай бұрын
💳 level 3 currently What level are you at Seb? 🙃 Also, Chase is doing in-branch 70k offers on CSP right now.
@cheesesandwich10336 ай бұрын
We put around $75k a year on our Amex plat card. We get around 140k to 150k points per year. I don’t really focus on multipliers except travel where I make sure to get the x5 by using the plat
@ugoeze73606 ай бұрын
If you’re in between mid and high, what combination of cards is recommended to best maximize the value?
@janellepas6 ай бұрын
💳 I am between mid and high. I think I want a Bonvoy card. I'm not sure yet. Still researching.
@LeoHipolito4 ай бұрын
Great information
@SuperSonicBaroqueКүн бұрын
💳 how do you time the Amex Hilton Aspire downgrade/upgrade to maximize the free night?
@IanMaschal6 ай бұрын
Is this the same microphone you just used to do your latest video in Paris?
@frankcutronijr6 ай бұрын
Between Level 2 and 3
@Panamaking6 ай бұрын
Good afternoon sebby I just watched one of your video I understand your coming to houston again we would love to have you on my podcast Also we will pay for your hotel room and flight my guy
@yahnnobber50966 ай бұрын
Legendary Kyle Hill losing his shit moment @ 1:49 Outstanding!
@johnwick8606 ай бұрын
agree on Millionaire & Billionaire CCs focusing on cashbacks... no sense in flashing Centurion & paying crazy AF... these Billionaires don't usually go to parties & don't fly first class.. they fly private
@kaytwizzel6 ай бұрын
Im in the mid to high range.. but also at this point i have 17 cards and sometimes get list in the optimized strats and multipliers.. im bigger into the signup bones.
@james124906 ай бұрын
Hey Sebby, what would you do if you’re planning to travel to Italy from LA in 2025 and want to travel business class? Currently only have a chase setup for points but have already used my Amex platinum and gold signup bonuses.
@AskSebby6 ай бұрын
Map out the product you want to fly and earn the point currency that helps you book it.
@james124906 ай бұрын
@@AskSebby Thank you.
@MuscleMan5004 ай бұрын
Would it be better to get the green, gold, then platinum amex cards for bonuses? I just got the gold one, guessing i cant go back to the green to get the sign up bonus from that one now
@chico202826 ай бұрын
💳 got the gold Amex a year ago as an everyday tank. Just got the venture x over the Amex platinum for the nicer lounge here in my area, cheaper annual fee, and a 2x point catch all (great for Costco)
@wreckdiver616 ай бұрын
I feel the same way. I feel like I’m missing someting.. I had the Amex gold and platinum, but cancelled them for the venture x
@crimsonk31786 ай бұрын
Same here, I am planning to get the CSR later this year for Chase Lounge in my city. Amex gold might be out since I use Costco way more frequently and the 4x on grocery seems less attractive than it was.
@chico202826 ай бұрын
@@crimsonk3178 Amex gold is still the go to for restaurants and the Uber eats grub hub credit, I’d start there then look at csr or cov
@kathyoliva69666 ай бұрын
💳 thanks Sebby! I always learn from you! 👍
@meadows53676 ай бұрын
💳 1. Moderate to High. 2. Chase
@AidenReigns6 ай бұрын
💳Sebby, would you make a video series of your credit card collection? Reasons for keeping each card?
@wreckdiver616 ай бұрын
I do 10-12k a month and I still feel like the venture x is the best for me. Am I wrong?
@marcellewinn98165 ай бұрын
I prefer over AMEX because most of our travel is out of US and AMEX not accepted everywhere.
@jarete.14916 ай бұрын
Where can I find more info about the timing of upgrade/downgrade cycles for aspire/surpass to get 2-3 FNC annually per card slot?? I know your video of how to maximize SUBs for Hilton, but this cycle timing is new info. I’ve googled a ton but can’t find what you’re suggesting. I’d imagine it’s: spend on surpass, get FNC(1), upgrade to aspire, get FNC(2), hold aspire for a year, downgrade, but I don’t follow how that could equate to 3 FNC per slot annually. Super helpful video! Thank you for all of your hard work, Sebby!!
@ThunderCat19D6 ай бұрын
Interesting 🤔
@JJInTheCity6 ай бұрын
Amex doesn't consider geo location in determining spend requirements for a Centurion. They do look at consistent spend levels over a period of time and years of card membership.
@ReedKin6 ай бұрын
You mentioned $2M spend for Centurion card in major cities, is that just a guess based on posts you have seen or do you have other info? I see a lot of mixed information out there.
@AskSebby6 ай бұрын
See video w/ data points here: kzbin.info/www/bejne/mnenq2dqqMmkoNE
@BobBacheler6 ай бұрын
💳Some day I will get invited to the adult table.
@AskSebby6 ай бұрын
Same 😅
@terrytilley53364 ай бұрын
💳
@zyzzuschrist34106 ай бұрын
W Sebby
@aarzu106 ай бұрын
💳 I'm moderate plus spend. Is the Capital One duo a good set up?
@AskSebby6 ай бұрын
Yes, good choice if you like the transfer partners and lounge network.
@MaryNYC16 ай бұрын
Sebby - why is Amex Platinum dropping Sirius XM from their monthly $20 digital entertainment credit??? This was a great perk and it’s being taken away on May 8th. What is the reasoning behind this decision?
@RAZZAQ.A6 ай бұрын
💳
@jimmyjames64926 ай бұрын
💳💳💳
@M2K-016 ай бұрын
In what order should I hunt bonuses.
@AskSebby6 ай бұрын
Prioritize Chase cards first due to 5/24
@LukesPointsandMiles6 ай бұрын
First
@AskSebby6 ай бұрын
🥇
@Stekcer6 ай бұрын
Get em Luke
@shatzofhudson6 ай бұрын
Hey you gonna talk about the absolute dogshit that yotta just pulled?
@Jay-vt2so6 ай бұрын
💳 💳 💳 💳
@shoelady64576 ай бұрын
💳 😃👌
@lomaximo77946 ай бұрын
First view?
@AskSebby6 ай бұрын
Second!
@FreedomFinanceFun6 ай бұрын
What emoji does he want?
@Alvin_19146 ай бұрын
Late squuuuuuuuuuad
@callsbypeople6 ай бұрын
‼️ @AskSebby for the upgrade/downgrade strategy for surpass/aspire where 6 card slots (p1&p2) could get you a total of 12 to 18 FNC annually: I can’t find anything online detailing this. Do you know where I could find resources for how to accomplish that? (Sebby discusses it @9:45 in this video)