Check out my favorite personal credit cards here: go.milevalue.com/best-credit-cards-suw?aff=suw Hope you find this video helpful - I started getting credit cards in 2014 and have since traveled the world using free points, all just using credit card sign on bonuses and points that I got from my credit card purchases. If you have good credit and spending habits, ditch the debit card and check out these cards. They have very solid sign on bonuses right now and you can learn more using the link above. Happy credit card hunting! -Charlie
@rurfinance8 ай бұрын
Card 1: Chase Sapphire Preferred Card 2: Amex Gold Card Card 3: Capital One Venture Rewards Card 4: Capital One Venture X Rewards Card 5: Amex Platinum
@adamhorn50806 ай бұрын
amex plat sucks. The rewards are "spend money to make money" and the lounges are so packed and no grab and go options so it's almost pointless in a lot of travel situations.
@hiramlopez96762 ай бұрын
@@adamhorn5080 i love my business platinum card , i get about 350,000 points every 2 months
@lenanguyen98298 ай бұрын
My advice for those new to the credit card game is to start with one or two credit card(s) preferably with no annual fee and pay it off each month. The credit cards mentioned here are great for travel but have a very high APR. You do not need bougie credit cards with a lucrative welcome bonus or benefits to build credit score. Do your research to see which card fit your needs at this moment.
@CharlieChang8 ай бұрын
If people are brand brand new to credit cards, then the Chase Freedom, Freedom Unlimited could be good no annual fee options :) High APR is sorta relevant but I encourage anyone who gets credit cards to never get to the point where they are paying interest. Always pay in full!!
@lenanguyen98298 ай бұрын
@@CharlieChang Thanks for commenting, Charlie. I really enjoy your content and videos. Just wanted to share my thoughts as there is no one-size fits-all when it comes to credit cards. It comes down to individual circumstances and priorities, but it is always a good idea to have at least one travel credit card on hand.
@Tokkinator6 ай бұрын
Amex may be slightly more than Sapphire for food but many small family restaurants don’t like or take Amex cause Amex charges them like twice the rate. Sapphire card is king for food
@louisnvrr8 ай бұрын
Love the credit card game. Relatively new but in about a year my partner and I have made out like bandits for our trips this year. Flights: 3 round trip tickets to New York, 1 round trip ticket to Austin for my first Grand Prix, 2 round trip tickets to Vancour. Hotels: 1 Night at the Thompson in NYC, 3 nights at the Hyatt Place Austin, 1 night in Hyatt Regency Houston, 1 night in Hyatt Place Madison, and 3 nights Hyatt Regency in Vancour. Our combined annual fees are $440 and since we use them like debit cards and only make purchases within our limits, we've spent $0 on interest. Cannot recommend credit cards enough. IF you're responsible.
@CharlieChang8 ай бұрын
Dude that's awesome!
@Foxtrot31618 ай бұрын
What cards do you have if you don’t mind me asking?
@Tokkinator6 ай бұрын
Use to have a 50k limit venture card with 2m+ annual spend until capital one closed all my accounts for buying crypto once with a card which even charged cash advance . Chase cards are my fav as they almost never decline for security reasons like some others do. My replacement for venture is Fidelity 2% which easily can transfer the rewards to investment accounts
@Heathfx56 ай бұрын
The fidelity card is a lowkey sleeper of a card with dead-simple perks and automatic cash back as a statement credit and their debit card with ATM fee reimbursement is really nice.
@iCARTER6 ай бұрын
I have all of these. Great Video.
@noname-to1wd8 ай бұрын
The regular venture with its $95 AF is pointless. If you travel, the VX with its $395 AF is paid for by the $300 credit (+10k yearly points). If you don't travel, just get a 2% catch all card like the citi double cash, sofi, or fidelity card and save yourself $95.
@sanamtahir8 ай бұрын
Agreed!
@arsa4fun22 күн бұрын
Imo the only perfect way to use points is flying business class for cheap. Flying business is the best I’m talking about overseas flight’s.
@GregMatthias6 ай бұрын
Thanks!
@CharlieChang6 ай бұрын
Wow Greg thank you!
@alexreapzz9917 күн бұрын
imagine making the rich richer lol
@sideshowmulhern6 ай бұрын
I love cash back on my credit cards but I don't spend nearly enough to get any of the sign up offers
@Tokkinator6 ай бұрын
Works out very well for resellers on eBay and such
@DavidJYuan7 ай бұрын
Shop owners actually consider the 3% you are talking about in the goods they sell, thus the price increase. That's why gas stations, etc.. charge you less if you pay cash. Nonetheless, thanks for sharing!
@twxstedtales8 ай бұрын
Should I own both chase safire preferred and the amex gold if why then explain
@SuperVexalАй бұрын
Gold has increased to $325 annually.
@shonas69928 ай бұрын
can you make a video on what you think about the claw machine/ mini claw machine business
@ethanseevers17755 ай бұрын
Underated
@BetterYouNow8 ай бұрын
Great video on Starter Story! Have been a sub for quite some time now, you're somebody look up to in a sense and proud of. As a fellow solopreneur, always appreciate channels of other solopreneurs who're open to sharing what they've got going on. It's incredible the numbers you push because sometimes the videos don't have crazy amount of views but still works and you're so consistent. I'd be a millionaire now if I was that consistent on KZbin easily, have a large following on another platform so know can do it here too
@CharlieChang8 ай бұрын
Appreciate the support man!!
@MattMcGrathOfficial8 ай бұрын
Very good list. I would agree with you that Chase Ultimate Rewards points are by far the most valuable. I would wait for higher sign up bonuses on the Sapphire Preferred & AMEX Gold. There are often targeted offers on the AMEX Gold. Lastly I would just stuck with the Venture X versus the regular Venture card.
@CyberBao652 ай бұрын
FYI there is 100K points promotion through 11/6/2024 right now and +20% state credit for the first 6month
@EnzoElaborates5 ай бұрын
Awesome video and terrific editing thanks for the info man fr!
@badbannana12342 ай бұрын
😂 rolling through these comments and not seeing anything about credit card debt is kind of crazy. Thanks for the info though. Chase sapphire might be the move.
@LaurenBlosser6 ай бұрын
Informative breakdown! Helped me choose wisely. Thanks for sharing!
@Wompychikcen11 күн бұрын
Is credit cash back? 9:00?
@chrisjrb76868 ай бұрын
Thanks for giving financial game bro! Never knew this. Always seen people with Amex cards but never knew what it was about until you teaching on this video 😂 appreciate it 🙌🏼 great channel,good videos 👍🏼
@ranchokitty16 ай бұрын
good stuff charlie
@CadenMichnal8 ай бұрын
Ok so, Amex gold is best for food. I still can’t seam to find the best card for gass and day to day expenses. It seems that anything above 2x back for day to day spending is unheard of. All points that exceed 2x are always for food, flights and hotels. What card should I get after I get the gold for day to day? After all, I don’t travel enough to justify the other cards quit yet.
@weebstrong8 ай бұрын
Appreciate this vid, Charlie!
@MNM14ful7 ай бұрын
My wife and I go out to dinner a lot, so we could definitely benefit from the 3X offered by the Chase Sapphire Preferred card. Does this apply to ALL restaurants or ONLY CSP partner restaurant?
@CharlieChang7 ай бұрын
It applies to all restaurants!
@MNM14ful7 ай бұрын
Thank you.@@CharlieChang
@americanmanstan2381Ай бұрын
Also, make sure you sign up for complete auto pay-off every month. You NEVER pay interest, never late, thus jacking up your credit score, and you're using them as a loan, while the rest of your cash is earning interest in a bank or fund. Only losers look at credit cards as, "oh look how much money I get to spend!"
@peetu19824 ай бұрын
good card knowldege
@ugoewulonu49368 ай бұрын
How can you have that many credit cards but still have a credit score over 800? Didn’t all those hard pulls lower your score? I applied for (and got approved for) 3 credit cards in about three weeks this year and my credit score went from about 812 to 774.
@_bc02977 ай бұрын
As your credit ages, hard pulls have less of an impact. One reason is because it won't affect you average age of accounts as much.
@CharlieChang7 ай бұрын
Most times there is a small temporary reduction of credit score but it always bounces back
@HoopsFirst8 ай бұрын
What’s the best credit card for gas, ads and food?
@brendan41607 ай бұрын
Bank of America has a really good card for that.
@Dreadwolf31556 ай бұрын
yeah.....not interested in paying annual fees!
@CaptainStarLord5 ай бұрын
In this economy? Absolutely not 😂
@SarahH90002 ай бұрын
@@Dreadwolf3155 yea me too
@SarahH90002 ай бұрын
Yea me too
@randomguy234482 ай бұрын
If one has the chase freedom, is it better to upgrade to Safire (product change) or to apply for a new Safire and retain/cancel the freedom?
@MarkoZukic-e3f8 ай бұрын
I've signed up for 2 credit cards over the last month. AMEX gold car and Chase freedom unlimited card. Should I wait a while before I decide to apply for other cards? At what point is it applying for too many credit cards where I become a risky borrower? I've never missed a payment and never will but, I also heard if someone applies for too many in a short period of time it hurts them as well. Any advice because I definitely want to keep taking advantage of other sign on bonuses? Thank you
@louisnvrr8 ай бұрын
You want to prioritize chase cards because of their 5/24 status. It's typically recommended to wait between 6-8 months between new credit applications. Companies like Capital One are more credit inquiry sensitive. So if you've applied to the Amex Gold and Freedom unlimited recently, I'd give it a bit before applying for any of their cards.
@lilteerexАй бұрын
@@louisnvrr whats 5/24 status
@HappyShappy.7 ай бұрын
Chase sapphire can we get points on foreign transactions? Or its just with in USA?
@tacovids7 ай бұрын
i used it in japan and got pooints
@terrylaitw8404 ай бұрын
What's hotel 100 USD experience credit?
@PhilipNNyemah8 ай бұрын
Hello, am a beginner and I live in italy, which credit card can i apply for?
@jamewilliams76608 ай бұрын
Great content! as the world crisis progresses the smartest thing people do lately is building a strong investment that isn’t controlled by the government. Like digital currencies.
@CarlosLocke8 ай бұрын
That’s really interesting! I’ve been thinking about investing in digital currencies lately but wondering how to do it, do anyone have any thought on that?
@RobertKulusix8 ай бұрын
"Hey everyone! 👋 Just starting my investment journey in crypto and stocks. 🚀 Learning the ropes and excited about the possibilities. Any tips or or info on how I’ll reach out to Kimberly Jane Carl,Let's grow together! 🌱
@CarlosLocke8 ай бұрын
Please how do I reach out to her? I’m in need of her assistance.
@RobertKulusix8 ай бұрын
Absolutely! Building a strong investment that isn’t controlled by the government is a smart move in todays unpredictable economy. digital assets offer a unique opportunity for financial independence.
@omarcarrillo60067 ай бұрын
question? how many credit cards are ideal? ive heard places have said about 3
@SaraMeeks-hy5tx19 күн бұрын
I dont want to do anything with credit cards other than to just build my credit! 😒
@Tony_Laf78 ай бұрын
Hi Charlie, what are your favorite capital one transfer partners?
@Bremend21 күн бұрын
Is this video supposed to be a guide for speedrunning credit card debt? What if I basically don't travel? None of these cards would be beneficial...
@wnderbread9978Ай бұрын
Debit cards are not dangerous. If you lose your card, you can simply deactivate it.
@jttorres27107 ай бұрын
We ain’t paying an annual free..
@CharlieChang7 ай бұрын
It is SO worth it if you can use the benefits
@creightonbudris2960Ай бұрын
What if you can't use the benefits? @@CharlieChang
@DigitalNomadCoder8 ай бұрын
this is amazing advice!
@guerrerosaurio8 ай бұрын
Is it true that some don't have the annual fee for military members?
@CarmonSandiego7 ай бұрын
I’m active duty and have the AMEX platinum; that one has no annual fee for military.
@guerrerosaurio7 ай бұрын
@@CarmonSandiego Thank you, is it limited to active? For example once I finish my contract would I need to start paying the fee?
@Wenshu_Art7 ай бұрын
@@guerrerosaurio Veteran here, yeah they track that like a hawk. As soon as you are no longer active duty, they will mail you a letter stating that you will have to start paying annual fee.
@guerrerosaurio7 ай бұрын
@@Wenshu_Art bummer, but thank you for the info, I plan on staying in but can't stay forever.
@CarmonSandiego6 ай бұрын
@@guerrerosaurio yes, active duty only, unfortunately. Even retirees have to start paying up after their service ends 🥲
@UbaidMeetsFinance8 ай бұрын
What do you mean this isn't Brian Jung? 😮
@robertm83808 ай бұрын
Is Amex changing Gold card membership this year
@Bongsokha238 ай бұрын
Hey Charlie, how do I get a credit card with a 625 credit score and how do I build the 625 credit score to at Least a 740 plus I looked at my credit history it said I need 115 points to reach to 740 how much money should I put in my secure credit card ???
@Bongsokha238 ай бұрын
@@Chaycetownson what is future imperative Corps ?
@brando88823 ай бұрын
he just wants you to sign up with his link smh
@thamilmuthu85018 ай бұрын
🔥🔥
@dattyga6 ай бұрын
Don’t get the AMEX platinum card unless you want that $700 annual fee
@AmyZantzinger6 ай бұрын
Discover the top credit cards of 2024, tailored to your financial needs and goals!