BEST Credit Card Bonuses (October 2024)

[@BobI-jb4rk]

Two Daniel’s in one week? Blessings on blessings!!

[@Daniel_Braun]

I know very rare double upload this week! Trying to really increase upload frequency this fall/winter!

[@phucmapvlog]

That’s a great bonus on the gold card, but with the family language, you would want to get the green first. Do you think the green is worth the 40,000 points for the SUB?

[@96hearts80]

They nerfed the green card recently taking away the lounge buddy credit and the sub on it isn’t too good. Personally I’d skip over it. But idk that’s just me

[@Daniel_Braun]

Yeah personally I agree with that other comment that the Green card isn't really worth it. If you really want that 40K SUB and then cancel after 1 year then that's fine - but I don't think it's worth the hassle of that because it's a card that's mostly irrelevant now

[@christianyruegas6732]

HI Daniel! New time viewer but thanks to you and some research spanning from cards, HYSA and money tracking I've affectively created my own "What's in my wallet" I was wondering if you wouldn't mind rating set up... 1) Chase freedom unlimited for Dining and takeout and all transactions since it gets 1.5 back ... 2) AMEX blue cash prefer for supermarkets and Gas... 3) BILT card for my rent// I'm not a super heavy spender but this setup works for my biggest categories, I really want the Chase sapphire reserved but was turned down since I have to may cards out at the moment but plan on going to them in person to hopefully get approved, If I'm able too then this would allow me to use those points more affectively for travel and more, I'm still on the fence for the AMEX Gold card but would like your opinion there. Keep up the work man and thank you again! I swear I think in one day I watched over 9hrs of your videos from cards and more and I can greatly say that you have helped educate me and set me up in a better spot than before

[@Daniel_Braun]

Hey Christian - first of all thank you so much for watching all of that content from my channel! 9 hours is a lot of time to hear me talking, so thanks for putting up with that 😂 In all seriousness though, that's a great setup for optimizing your spending though! Once you get a Sapphire card then that is going to help you get more value from those Chase points you're earning. I'd say to look into possibly adding the Freedom Flex as well for more Chase points. For the Amex Gold, I honestly think it's a good card but only for certain people based on the value they might get out of the annual credits to offset the cost of the annual fee. If you don't get value from the credits, then getting the Citi Strata Premier or Capital One SavorOne might be the better option. But if you get enough value from the credits on the Gold, then the 4x on dining and groceries is tough to beat! Plus to sign up bonus can be great as well, so you could always get the card for a year with a good bonus and see how it is

[@michelleb3234]

If I'm not at 5/24 yet with Chase, are the Citi Strata Premier or Am Ex offers worth it, or in your opinion, would it be better to wait?

[@Daniel_Braun]

Personally I'd first get whatever Chase cards are valuable to you while under 5/24 - then after that go for other cards like Citi and Amex. Best to maximize value for Chase to lock that in under 5/24 and then move on.

[@Bangpaulxu]

Always appreciate your videos!!! ❤❤❤

[@Daniel_Braun]

Thank you so much, really means a lot to hear that!!

[@solidpiks]

I’m astonished at how little light any finance KZbinr has shed on the Costco Citi card. 4% cash back in gas and any gas station purchases. I even get 4% cash back when I buy lottery tickets at gas stations. Very underrated card. Not to mention it gives you 3% cash back on restaurants and much more.

[@gregorysnell3891]

Another great video Daniel. What’s your opinion on the Amex Delta airlines cards? Seems they have pretty good welcome offers right now as well.

[@Daniel_Braun]

Thanks Gregory! The Delta cards are fine for frequent Delta flyers - the offers aren't that amazing which is why I didn't mention them here in this video, but they are slightly higher than normal

[@revoboyo7157]

Wow I just went to check and the gold has a 100k offer! This definitely seems worth it even if I don't max out utilization. At least I think?

[@93darklover]

Hi, I’m not at 5/24 yet but have two cards remaining to fill up the slots. I currently have the Chase Unlimited. Should I go ahead and get the Chase Flex and Sapphire preferred?

[@Hashdogman]

How long is the Chase preferred bonus likely to last ? Weeks or months??

[@Daniel_Braun]

I'd say weeks - usually offers like this last for about 3-5 weeks in the past. So not sure how much longer, but if I get any more info then I'll update that here on the channel with a video or community post 👍

[@davidknicks]

Do one of these on no annual fee cards please. The anks

[@Daniel_Braun]

Yeah I'll always include offers for no annual fee cards in these "Best Offer" update videos as well. Just not that many elevated or limited time deals going on at the moment for no annual fee cards unfortunately

[@brandonhurtado2145]

I applied for the preferred in branch the offer i got was 70,000 points plus the 300 travel credit in order to get the full 70,000 points you have to spend $4,000 in three months for the 60,000 points and then you get another 3 months to spend $2,000 for the additional 10,000 points.

[@JavierTorres-ng6ct]

Is the 300 travel credit a for sure thing? And how do we get that

[@Daniel_Braun]

Awesome to hear that! I wish they would just make that offer consistent for online applications as well to make it easier haha - but better to take the offer in person like that if they're offering it!

[@brandonhurtado2145]

@@JavierTorres-ng6ct it's for sure you get it automatically when you apply for the card you just need to book the travel on the chase portal

[@robertpenafiel8683]

Hey Daniel, I’m trying to get the gold card but I can’t find anything other than the 60k bonus, would you be able to share any link or where I could find a higher offer please? Love your content

[@john05248]

I can send you a referral link. It’s for 90,000 points if you’re interested.

[@SenorChangSauce]

Always get great info from your vids, currently waiting for a better welcome bonus for Chase Freedom Flex haha

[@Daniel_Braun]

Nice, smart move! Hopefully we'll see them run some sort of limited time deal because my wife and I were taking advantage of those over the past few years

[@KangarooLegs]

Thanks for the Hawaiian card tip off, that’s a great deal and I was able to find a promo code online 🎉

[@saulgerardo5056]

How did you find it?

[@KangarooLegs]

@@saulgerardo5056just googled around and found one on some forum. I feel like someone must’ve already used it since it was a few months old so maybe they’re reusable which should make it easier!

[@Daniel_Braun]

Glad to hear it! Yeah such a great deal honestly

[@Nanoparticle7]

I looked for the promo code no luck

[@DADDYFRESH73]

good video daniel. just turned 20 and appreciate all the videos you put out with helpful information. hoping to see more

[@Daniel_Braun]

Thanks for watching! Glad to hear that the content has been helpful - plenty more videos to come!

[@ricktompson9453]

​@Daniel_Braun where is your newsletter link? Using a cell phone.

[@Daniel_Braun]

@@ricktompson9453 right here: danielbraun.me/BraunsWallet Thanks!

[@bossman4799]

I was actually just about to apply for the sapphire preferred. I probably won’t get the 4k spending bonus on the preferred but i definitely want the $300 travel credit. I for sure travel once a year to go home for the holidays and possibly twice a year, so using it for the 25% extra points or moving it to united seems really nice for me. I can hoard my points all year and then use them for my trip home. I will also use the $50 hotel credit every year so it seems like a good deal. Wish me luck.

[@jeremykates7276]

If you can, pay for your friends when you go out and have them pay you back that way you can rack up charges on your card. Also tell any family you have about it so they can help you reach that $4000 mark

[@Daniel_Braun]

I would say to definitely try to find ways to hit that $4K spending in 3 months because it's a waste of an offer if you don't get those points! The $300 travel credit is fine, but 60K points is potentailly $750 to $1,200 in value or more. So yeah like that other comment said, try to pay for dinner with friends and have them Venmo you back or do other things like that to get the spend if you did end up applying or this offer. If you didn't apply yet, then maybe think about waiting to get the card if you're naturally spending $4k in 3 months in the future

[@bossman4799]

@@Daniel_Braun My gf and I decided I’ll just buy everything during these 3 months and she’ll pay me back for everything she is buying. We also gotta pay for a short vacation next summer, and might even get our plane tickets for visiting home next year so that should help. I’m just not certain if the $300 credit counts against the 4k spending. I don’t think it does since I make the purchase and then get a statement credit, but if you know how it exactly works I’d appreciate the help! Thanks!

[@joeyAlmeida1295]

Not credit card related but what kind of watch is that that you have it’s nice

[@juliancen2815]

Looks like an omega speedmaster

[@Daniel_Braun]

Thanks! It's an Omega Speedmaster

[@i2LMedia]

We got the 100,000 points offer for Amex and also have one for the platinum card for 175,000. Tempted to do the platinum but know I won’t qualify for the gold. Edit: yep you confirmed that for me at the end of the

[@Daniel_Braun]

Yeah I hate that Amex added that language to force that certain order of getting those cards

[@chapinero017]

A financial advisor in my smartphone 😊

[@Daniel_Braun]

Happy to help! Thanks for watching 👍

[@gamingwithwalker]

Time to look into it

[@Daniel_Braun]

Definitely some good offers to look into here!

[@RakodZ]

Just started getting all sorts of spam email related to credit cards and job interviews ~12 hrs after subscribing to your newsletter. Is your platform protected/not leaking email addresses?

[@Daniel_Braun]

Totally unrelated! We use one of the top email marketing platforms to handle sending the newsletter and never sell emails or data. I would just report those unwanted emails as spam and block the sender, that's what I always do 👍

[@RakodZ]

@@Daniel_Braun thanks for the quick response!! will keep blocking/reporting, thought I’d flag in case others see a similar uptick.

[@justmario]

In branch you can get 10k extra points to the 60k points and $300 travel credit with the CSP!

[@Brandon-21]

I have both the freedom unlimited and flex card and I’m looking at getting the sapphire preferred. How would you recommend spending the 4K needed to achieve the bonus?

[@Daniel_Braun]

If $4K is a lot to spend in 3 months within your budget, then try to time the spend around a larger one time purchase. Paying rent is also an option, but will cost an extra 2-3% in fees - but can be worth it for the points! There's a few other ways that you can look around for ideas with over on Reddit as well

[@Daniel_Braun]

But never overspend just to get credit card points, so always make sure that a minimum spend like this is going to stay within your budget

[@ricktompson9453]

​@Daniel_Braun How about gold, silver bullion. Used for bonus spending?

[@WestEpicVisuals]

Hey Daniel, I've been hoarding points for a few years now and have been wondering - do rewards points depreciate with inflation? I assume yes to slme degree but curious if anyone has even tried to quantify that. The golden question being: In what timeframe should you try to use your points before you would be better off either investing that money just holding onto cash?

[@Daniel_Braun]

To answer that about depreciation I'd say that yes they do depreciate, but depends on the points and miles you have. If you have points and miles with one specific program, then depreciation risk is great because you have no other option for where to redeem other than with that 1 hotel/airline. But if you have flexible bank points (Chase, Amex, Bilt, etc.) then you have many options for how to transfer and redeem - so if you program decreases, you can just ignore that program and look for better sweetspots with others. I'd say the best way to answer that other question is that there's no specific timeframe - the best policy to to "earn and burn" by not holding points for years at a time. Try to redeem within 1-2 years if you can - and if you don't travel enough to do that, then cash back may be the better option. The good news is that new sign up bonuses have also risen in value over the years which helps to fight against inevitable devaluation a little bit. So yeah no exact way to measure this, but just don't sit on points for 5+ years and try to use them or just go with cash back if hoarding is too much of an issue

[@deadxpride45]

I thnk in branch sapphire card is 700 and 300 credit. As for world of Hyatt think promotion ends end of this month

[@Daniel_Braun]

Yeah I mentioned that after going over the online offer because the in-branch thing seems to be unconfirmed - but several people have confirmed it in the comments now as well which is good to see. And yeah I actually just came across a different landing page for that card that said offer ends 10/31/2024! Thanks for commenting 👍

[@Sakurasan2023]

Great video 📹 👍

[@Daniel_Braun]

Thank you!!

[@MattYeazel1]

So if I am not taking a trip soon, and I recently got a letter with an 80k points offer, you would recommend going with that over the current 60k + $300 offer?

[@Daniel_Braun]

Personally I would take the 80K offer if you know how to consistently get 2 cents per point in value when redeeming the points. 80k points x 2CPP = $1,600 vs 60k x 2CPP = $1,200 + $300 credit = $1,500

[@StarletSnippets]

Your video is very useful and helpful.

[@Daniel_Braun]

Glad to hear that! Thanks for watching

[@johnslays5770]

i got a 90k offer for venture X and a 80k offer for preferred. Which card should i get Daniel? I currently only have amex gold

[@SnazzySki98]

Venture X. Unless you have a CFF or CFU then get the preferred.

[@Daniel_Braun]

Tough one there because both are good offers. If you have room under 5/24 then I might say Venture X because those elevated offers are more rare than CSP deals. CSP usually has at least 1-2 increased offers per year so you could always wait for that

[@christophergrace6489]

Do you happen to have a link for the 175k on the platinum? I can’t seem to come across it

[@ryanjeffers679]

my AmEx page just has a 60k offer with 20% in dining for the gold card, any ideas how i can find even just the 75k offer if not the 100k one?

[@Daniel_Braun]

Try at different times of the day or with different browsers. Incognito mode also helps at times

[@Dev2088-e3j]

Try Resy. I saw the 75k offer was there but with 20% back at restaurants up to $250

[@FaithBudgets]

I know you use Hyatt but do you know anything about Marriott Bonvoy Boundless Visa card ? I have 2 Chase cards ( flex and unlimited) can I use those points on anything other than what I find thru Chase travel? The prices are usually higher thru Chase travel. How do you use your points with Hyatt? Do you have a Hyatt card or Can you use your Chase points at Hyatt hotels? Sorry I’m a newby and learning as I go. Love your channel and just signed up for your emails. Thank you !

[@Raybreeezy]

Any thoughts on the American Airlines Business credit card with a 75K bonus after $5K spend in 5 months, and waived annual fee the 1st year?

[@genovaz]

I got the 70k in branch offer for hitting the 6k total spend and they said the 300 travel credit is included

[@Daniel_Braun]

Awesome to hear that! Thanks for confirming that in branch offer 👍

[@Milkinporsche]

The 5 free night hyatt is a no brainer. Wish I wasn't out of 5/25

[@Daniel_Braun]

Yeah I think it's a good deal if you know that there's some category 1-4 properties that you'll be staying at within the next 12 months. Always annoying planning around that 5/24 though haha

[@aman4434]

How can we figure out how much 1 "mile" is worth on different airlines? I've never done it because I get confused - as far as I know its dependent on flight, time of year, business class or regular, etc... Is there a single place to figure out $/miles?

[@living4foodntravel]

60K Points + $300 travel credit vs higher SUB offer of 80K points? What is more worth it?

[@thedman05]

I’d imagine the 80k points for someone with experience transferring points since you should be able to get at least 2 cpp for the redemption. The extra points would get more value, but yes that’s all assuming the right redemption.

[@Daniel_Braun]

Personally I would take the 80K points because I know that I'm consistently getting 2 cents per point in Chase redemption value. So 80K points X 2 CPP = $1,600 value. But then 60K points x 2 CPP = $1,200 Value + $300 credit = $1,500. So the 80K offer wins based on math there

[@living4foodntravel]

@@Daniel_Braun Thank you for the reponse. Keep up the gerat work! You became credit card guru!

[@nycste1982]

I am at 4/24 and purposely holding last spot for one of the prem chase cards… I have freedom, flex and unlimited and racking up all my free points so when I do get the premium I’m golden… sadly the preferred gas the best offer now not the reserve correct!? Is there a chance I should maybe skip and hope for the reserve opportunity… to be totally honest spending 4-6k atm is rough… this year was a big big credit loan and spending year from my move and redoing apartment Saving 5/24 for chase preferred or reserve, if I don’t get this card now should I soft pull for limit increases on all cards or just hold the line till after I get preminun card ?? Thx

[@Daniel_Braun]

The good news is that you can always go for the CSP and upgrade to the CSR after 1 year if that's the card that makes more sense and has the better offer. Totally up to you, but that's another common path that people take

[@nycste1982]

@@Daniel_Braun I assumed but don’t know if I got the csp I could also get the sign up bonus for the car for 4 years ?!

[@uniquenamebyme]

What about the limited time offer for delta credit cards

[@jkress808]

I actually just got a chase sapphire preferred a few weeks ago but I didn’t see this offer, can I get it somehow?

[@Daniel_Braun]

I would call Chase and see if they'll match this higher offer! Chase has matched offers in the past if you applied maybe up to 30 days before they increased the offer. Always worth a shot to at least ask

[@chaitanyagawade9663]

Hey Daniel, whats your opinion on the chase tri fecta? I am only missing freedom flex, should I go for it? I got the chase preferred this year in may month

[@nmahoney1994]

Absolutely! The trifecta is awesome!

[@Daniel_Braun]

I think the Chase Trifecta is worth it for everyone to get early on in the credit card journey if they're optimizing for travel value. Also very good options for redeeming points for more value that are more beginner friendly than other programs! So yeah I would personally get the CFF if you want that next. I'm actually making an interesting new video about the Chase Trifecta and what's good/bad about it which will be uploaded in the next week or two 👍

[@Regdar-tw9ny]

I was wondering why you didnt mention the amex delta gold card that has 80k bonus points right now. I got it and likely going to cancel in a year.

[@Daniel_Braun]

It's a fine offer, but nothing special honestly. Slightly higher than normal but didn't think it was worth mentioning for this video because I've seen it higher in the past - but not a bad one to take advantage of like you did, especially if you've got some ideas for using those Delta miles

[@kamren4800]

I have the Cap 1 QS, Saver One, and Venture X, I would like to get into the chase eco system is there any reason for me to get the CFU cause I’m looking at the CFF. Thanks

[@Daniel_Braun]

I'd say that it's worth it for everyone to get the CFF, CFU, and CSP or CSR for that value from bonuses and multipliers. Low annual fees, and easy to understand ways to redeem those points for travel. If you're only looking at cash back, then the CFF is the only real "must-have" Chase card in my opinion - but still good to get the sign up bonuses on the other cards as well

[@TheJordanRulesforCredit]

Any word on when the CSP bonus is going to expire?

[@Daniel_Braun]

Haven't heard anything yet, but these offers typically run for about a month. I'd say it'll be around for maybe a couple more weeks - but I'll post an update if I hear anything

[@gbouton2011]

I got a mailer for the Amex gold 100k SUB + 100 back. Likely going to take it

[@Daniel_Braun]

Nice! That's a great offer so worth taking that if you want that card

[@LandonHockey33]

Best KZbinr in the world

[@Daniel_Braun]

Best subscriber in the world!

[@ricktompson9453]

Where is your newsletter link? On a cell phone.

[@LandonHockey33]

@@ricktompson9453 in the description at the top

[@janetwhite8374]

Does Chase 5/4 rule include hotel branded cards like IHG in world of Hyatt?

[@Daniel_Braun]

Yeah it does so keep that in mind

[@rabbitdubzzzyt]

I’m about to enter the chase ecosystem very soon. There is an in-branch offer on the CFF and CFU for standard 200$ but also a 5x on gas and groceries for the first year. But I really want the CSP for the sign up bonus. What would be your best recommendation for which card to get first? I’ve been pre approved for all of them. Update: just went in branch and got the CFF 7k limit and secured the 5x back on gas and groceries! Next up, CSP 😎

[@FilonisHat]

Advice from a random commenter: First, make sure you are eligible to enter the Chase ecosytem under the 5/24 rule. If you're planning to use the CSP points within the next 3-6 months on travel, then get CSP. If that's not your goal and you want to build a rapport with Chase, hop on to either of the other two, use it for all your gas and groceries to accumulate pts. and be on the lookout within a year for another boosted CSP offer (no guarantees, but this year alone we've had two CSP boosted offer seasons, back in spring and now this one).

[@rabbitdubzzzyt]

@@FilonisHat much appreciated 🙏🏼 we do have a hotel stay next year we haven’t booked so we could use the 300$ credit towards that

[@Daniel_Braun]

I think that's great advice from that other comment! If you plan on getting the CSP with this offer for upcoming travel that you want to book relatively soon, then go for the CSP. Otherwise I would say that if you're seeing an in branch offer like that on the CFF and CFU, then go with those because those are some of the best on those cards and will help build relationship with Chase first. Then wait for the next offer on the CSP which historically has been around springtime for the past few years. Not guaranteed to continue in that trend, but I would probably take that path. I'll have to look into those CFF and CFU in branch offers because if those are widespread at many Chase branch locations then those are great ones that I would have mentioned in this video!

[@rabbitdubzzzyt]

@@Daniel_Braun first off thank you for commenting, I see you reply on almost everyone’s comments and that is very professional and super helpful. I did call chase yesterday and they confirmed the in branch 5x offer on the freedom cards, but that may vary from branch to branch, but wouldn’t hurt to let people know the extra options they have if they have a local chase around them. Secondly, I did get the SavorOne about 2 months ago, would it be too soon to apply for another credit card this early? My score is 790 with 3 hard inquiries on my Experian which chase pulls from, only 2 of them being personal credit cards and another from a car loan. Hopefully you see this and let me know what you think. Best credit card content creator on KZbin I highly enjoy watching your videos. 👍🏼

[@AB-ob2ye]

How long should I be waiting between cc applications?

[@Daniel_Braun]

Generally 3-6 months is what I like to recommend, but depends on your strategy and where you're at on your credit card journey

[@BoywithLoveeee]

What about the Amex Hilton cards?

[@Daniel_Braun]

Those current offers are fine - I wouldn't say they're anything special though. But good if you really prefer Hilton

[@BoywithLoveeee]

@@Daniel_Braun I just realized there was a better sign up bonus last July after applying for the honors card 😭. I don’t normally at Hilton hotels but I thought why not since it has no annual fee plus I’m thinking to downgrade or cancel my Amex platinum.

[@Twinyrr]

Got the preferred🥂

[@KottoKTG]

He always mentions what he has over others lol

[@Daniel_Braun]

It just so happens that the cards with the best offers are ones that I have haha. Theres a few slightly higher Delta and Hilton offers but nothing to get excited about in my opinion

[@basmo6803]

anyone find this Hawaiian deal? looked in reddit and google. only found standard offer

[@AlexanderSchollar]

Just enter random numbers in the promo and should work

[@basmo6803]

I've tried 30 times with no success. ​@@AlexanderSchollar

[@Nanoparticle7]

@@AlexanderSchollarit does not work

[@Daniel_Braun]

Send me a DM on Instagram! I should be able to help you out

[@AM-nm1oe]

I don't like cat 1-4 Hyatts

[@karlcruz7958]

Anyone try using this as a retention offer?

[@Daniel_Braun]

For which card?

[@SOXGATORS]

👍🏻

[@Daniel_Braun]

Wow that was record time for a comment! Felt like you commented 5 seconds after I pressed publish haha 🥇