Credit Card Expert RANKS US Card Companies BEST to WORST

💳 Credit Card Guide: thecreditshifu...
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In this video we rank US credit card companies from BEST to WORDT.
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[@ceezthaday]

Karet card is not god tier in my opinion, its only for influencers

[@Winston0Boogie]

Agreed! Some good value I think. I get the 5% on everything at times and choose what you want at 5% but most people wouldn't really be using it.

[@michaelkim2147]

If 5% unlimited on everything on your top category is NOT god tier then i don't know what is. Everyone has a top category that changes month to month. This card is a no brainer because its unlimited. Jealously Sucks that its impossible for normal people and only for special people/influencers who make shitload of money but doesn't mean its not god tier IMO.

[@hockey1freak]

Since its only exclusive to these guys im sure some ego is involved "oh look its god tier and only i qualify"

[@MrYourecool2]

Right? 😂 Citi Custom Cash does the exact same thing with your spending category each month. Aside from the Black Friday crap that they allegedly do.

[@Starscreamious]

Just looked it up.....not only is it for "influencers" but it's also a business charge card (not a credit card). Ben should have put three *'s on that card. =\

[@ahmetboz20]

You should do a new video about MYSTICFLIP ! I really like you’re mellow delivery and you seem like you’re very knowledgeable. I watch lots of influencers and you always seem very calculated and know exactly what you’re talking about and understand it. You’re better at explaining complicated things simply, than any other person on youtube keep it up brother!

[@kingsamvisuals]

The WF autograph is underrated. It’s a point earning card but no transfer partners. I wish they’d integrate with BILT.

[@fpl_bailey]

Is it the replacement to the Propel except it's visa instead of Amex?

[@veezhang6988]

@@fpl_baileyyes and I just got force converted.

[@ow5966]

Facts bro I can't wait until this happen with Bilt

[@ow5966]

​@@fpl_baileyThe Autograph card is great for cash back.

[@ow5966]

You can use the Wells points to purchase flights. Only one cent per point though.

[@fpl_bailey]

The fact that you give Luxury card it's own tier is an automatic like 😂

[@FlintIronstag23]

I'm glad Wells Fargo got moved to Some Good Value. The bank itself may be Lame but the cards are actually pretty good. Active Cash, Autograph, Bilt, and Choice Privileges Select are decent cards.

[@thebeddoctor4273]

Isn't Karot card only for creators? If so how is that God tier for the average person? Or did they change

[@ibeunstoppable]

1. Amex 2. Chase 3. Everyone else

[@hansscheibe1646]

Nice list, but Citi, Discover, & US bank need to be on their own tier just below Chase & Capital One. Citi shouldn’t be on the same tier as Chase & Discover is better than Barclays & Wells Fargo.

[@alexc2265]

11:22 the PayPal card is decent. It’s a keeper to me. It’s just that it’s recently kind of overshadowed by the AmEx BCE refresh due to the overlap, although there are loads of services payable via PayPal that the BCE won’t cover. Universal 2% is pure cashback, so somewhat inferior to the Double Cash there, but that’s pretty fine for team cashback.

[@asdas1755]

This is one of the most strategic,insightful videos Ive watched in years I am BLOWN away.I am working on writing an app to help people learn about surprise medical bills and how to avoid them,and I am going to site you and your tips in my app.Thank you S

[@mrdisco99]

Synchrony's Verizon card is pretty awesome for cash back... 4% gas and groceries, 3% restaurants, no AF, and no FTF

[@Slaize]

The PayPal card is good though being nerfed. Amazon store card with 5% at amazon and wholefoods is good too.

[@Anarxur]

Not a card, but I financed a motorcycle through synchrony once and I couldn't do anything through a web portal. I had to mail in a form to set up autopay or deal with the slow af robot voice once a month. Overall terrible experience

[@luxurycardstore]

I used to work at TD Bank and even though they let me keep the extremely low interest rate for employees after I left - their card still sucks.

[@ICY-HURR]

Their only “good” card is the double up.

[@DallinBunnell]

Agree. Except the PayPal and Venmo cards are issued by Synchrony and they're actually way good for cash back. My favorite feature of the Venmo card is sending money to friends from the card and not getting hit with the 3% fee.

[@tecben]

TD is the Target Red Card at 5%

[@NafeesWazaif]

I absolutely LOVE this video and the breakdown that youve provided that not many of us has had the privilege of learning early on . Im currently with a low score because of misuse of credit cards . And as hard as try, I cannot seem to understand credit

[@TraitorTrump4Treason]

I’m new to this credit card game 😂 although I could’ve upgraded to the amex platinum when they first announced it, I didn’t see enough benefit to paying the more than double the annual fee compared to the gold which I’ve had for more than 25 years and only took advantage of earning rewards since it came with the card already. Before watching this video I didn’t know about the ways you can use them to match with MGM or other hotel/casinos member loyalty cards so that could’ve been useful. Is there any loyalty program matching available for amex gold holders?

[@TheCreditShifu]

Gold has access to the Hotel Collection where is you stay two consecutive nights, you get some benefits, Venetian in Las Vegas is bookable through HC.

[@aakarshsharma849]

I dunno…I was one of those people that didn’t care about a credit score,didn’t get any education about how important your credit score is,and I racked up debt like an idiot.I worked really hard and educated myself and I’ve brought my credit score from 4

[@austinprice1029]

Amex as an actual travel card, is garbage, unless you're okay paying with any other card that's actually accepted.

[@briceonwiley]

I had literally zero love for Wells Fargo until the Bilt card came out. Good call here, they really changed the game.

[@shojus]

Hopefully Amex doesn't pull a Bud Light/Mulvaney... 17:01 🤣🤣

[@TheAudioCzar]

Hate Wells Fargo if you want but the autograph is one the best cash back cards IMO. In the active cash card is one of the few 2% cards with a sign up bonus

[@devlin76]

Solid tier listing Ben! I agree that for a frequent traveler AMEX beats out Chase, but Chase has more versatility with their points for someone that might want to skirt the travel/cashback line. If Karat goes in God tier, then I think Chase could make it too. It will be interesting to see if Citi keeps improving. We are still waiting to see what is happening with the new Strata branding.

[@heighyew]

Has Amex been bumped down because of their newish policy of once in a lifetime signup bonuses?

[@SinCitizenGent]

Okay, but how do you rank the rows? Putting best on left, worst on right

[@TheCreditShifu]

No order to the rows, you can make up your own mind on that

[@khoaxetaibinhduong]

The confidence you take in your work is really inspiring and amazing,special thanks The time and efforts you had put into deleting all inquiries and collections is beyond excellence.Take my cordial thanks!You are really an efficient, organized and result-

[@ganesh5109]

Took a year for me to build my score from mid 400s to 600 where I’m stuck now.I have 2 credit cards, a self account,auto loan.Everything paid on time and utilization 5-10% paid off every month.Thinking of applying for a new credit card or something cause

[@charlesduhigg445]

You said the Karat card gave Mr Beast 5% cash back? But According to their website, cash back is only 1%-3% depending on the category. Am I missing something? Awesome video btw, new fan!

[@TheCreditShifu]

Its different for VIP creators, its 3%, 4% and 5%

[@rockyverma9727]

This man spends hundreds of thousands of time just to help us. He helps those in need while also helping us. He always puts a smile on our faces and we should appreciate it. Hats off to Him! I love you dude. Crazy Ive never payed attention to the Cognit

[@Sevilmeyen.cocuk1]

Thank you for being there MYSTICFLIP when I wanted you to..... I was lost in this new world that I was hassled to start with ....you not only guided me along the way but you also showed me the proper way....whatever little I have been able to achieve in life is because of you today ..... I want to thank you for being there and showing me the proper way of doing thing for me you are my best guide as you truly showed me the way to life....once again , I would like to tell you a heartfelt thanks for being there.

[@florya2.092]

I genuinely believe this will be one of the massive recovery to ever cross the platform. The difference in content compared to what other agents push out really made this service exciting, unique, and fun all at the same time. Congrats man, Bro shoutout t

[@geekspeak1066]

With the acquisition of velocity black capital one is making a push for god tier

[@iali00]

TD is a good bank. Why would not charging fees at a lower balance be a bad thing? I have money but always looking for good value.

[@PsychoGilgamesh]

TD has the Target Red Card. It's the only good card I know of for them.

[@deadxpride45]

Great video good to see unbiased views to tier each bank

[@mikeecalvary]

Why doesn't anyone ever talk about the Barclay arrival+ card. I know it's hard to get but having the possibility to earn an extra 5% on top of the extra 2% I think is still really good

[@alexbigkid]

@Ben: I think you miss 1 tier called coupon book and that is where AMEX belongs to 😂 Their Platinum and Gold card have high AF, which are hard to justify. A lot of merchant do not accept AMEX and internationally … well just leave your AMEX coupon book at home

[@skchanchi]

from caesar's platinum to hardrock royalty to ocean prime to mgm gold in that order this year

[@SuperVeganShark]

Citi in the Philippines charges 48% on some of their cards

[@crippledgenius]

Td is not terrible in canada but definitely no amex

[@giannolamichael]

paypal credit and paypals 2x on everthing card are both threw syncrony i would put them in the some good value catagory for those.

[@kevinlopez9930]

Could you make a video on how to build credit without a social security number ?

[@TheCreditShifu]

Thats difficult, wouldn’t it be better to just get a social security number? Since if you are here on a work or student visa you can get an ssn, if you are only here on a tourist visa, then do you really need to build credit?

[@cazarilolsen4630]

TD is also not available in all states for some reason

[@curmudgeonextraordinaire1884]

Wells Fargo is hardly lame. The Autograph offers 3% on 6 different categories and the Active Cash is a flat 2%. And Amex is hardly god tier. Their point system is the most restrictive of the bunch. This list is pretty much what I would expect from the typical KZbin influencer.

[@yurig2530]

It's lame. I don't have a single WF card, and I have more than 50.

[@MissEnglish123]

I have the TD secured cash rewards card, 3% on restaurants, 2% on supermarkets, 1% on everything else, I’ve had this card for 3 years, I’ve never missed a payment, I never go over 30% utilization, this card has never graduated & I was denied for the double up card

[@Shado965]

What no navy federal

[@aswad15kmc]

did you change your channel name?

[@channelreview1835]

Wealth is not just about finance,but health and wellness is critical especially in our black community!No need to have stuff and money if you dont have your good health?Rick Ross finally understands this truth now!What does it profit a man/woman to gain

[@watchchat]

I got the Citi double cash for just that reason and they switched it out to points….I’m not into their point ecosystem so the card has become useless to me

[@TheCreditShifu]

You can still redeem it as cash back. It still has the word “cash” in the name!

[@watchchat]

@@TheCreditShifu lol thanks, I’ll look into it.

[@CesarJoel]

Team AMEX💪💪💪

[@redslate]

I'm not putting $100 Grand in a standard bank account just to get a miniscule bump in credit card reward points. BoA is trash to begin with, and they don't do HYSAs. That is a dredge-tier credit card. *Pass* !

[@leprechaun4gold221]

As Irish lads we like shining things, I'll rate your watches, coins, and wedding rings!

[@JacobsPointsAndProfit]

It was tough to see American Express over Chase. I see them as pretty equal, but my mind might change as I get more AMEX cards

[@DaveMartinez-o1s]

Because of customer service for me nobody beats american express on that.

[@frankieanthony1904]

Agree 💯

[@_jefflarsen]

Really cool video Ben! Agree that Amex is God tier.

[@BlakeMadsen]

I'm 26, earn $300K/yr, and have a $125K credit line over all my cards. Cap1 refuses to increase my $3K limit despite requesting every 6 months because I don't spend on it enough - which I don't because the limit is too low lol. Cap1 is trash tier for me but it's my first card so I gotta keep it open

[@SC_XOLOs]

Same.. my CL is $5k, but make way less than you. And is also my 2nd oldest account.

[@DaveMartinez-o1s]

If you want to raise your capital one credit limit you have to use the card more often. Increase your spending on the card but remember to pay it off every month. Do this for about six months and then ask for credit limit increase

[@luxurycardstore]

Same here. They only raised mine a little, but it is my oldest card so right now I have to keep it

[@aaronlee4913]

There is a guy who had Amex Platinum card ,and took a vacation in Mexico stopped by a gas station got some gas. The clerk told him the card was no good so he paid cash. Then when he came back to the states. He realized that was a charge for around $900 something at that gas station he stopped by in Mexico. Then he disputed the charge with Amex first time, the Amex didn’t do anything. Finally he had to disputed it three times and got it resolved. He said the Amex customer’s service sucks and wouldn’t stick up with customers.

[@johnnyh8731]

Sounds Fishy .......$tory!

[@deadxpride45]

Yeah Ben actually replied on that news video lol for the Platinum card from Amex

[@KSlivinghappy]

Agree 👍🏽

[@EthanPatrick_CreditCards]

Was that Jason Kazama?? 😜

[@TheCreditShifu]

nah my editor is called Jason too

[@EthanPatrick_CreditCards]

Haha gotcha. That would have been pretty funny though.

[@callmeNeno]

Definitely won’t put Capital One and Citi with Chase in same tier; no way Jose

[@raymondyu7933]

Disagree, Cap 1 is pretty good, cash back is real cash, not reward point of discount. BAC, Chase, Citi and AMEx needs to learn from Cap 1 and discover

[@yurig2530]

Citi is great, and much better than Cap1. It's on par with Chase. Amex is junk, similar to Cap1.

[@FlyinRyan31310]

chase > amex the lifetime language is what kills it.

[@TheCreditShifu]

Interesting, I hear you on that, however, I have been in this game for almost a decade and the lifetime language still hasn’t caused me a problem, ive had the schwab platinum bonus, i can still get the vanilla, i have been working through business cards, can still get the personal and business green, maybe in 5 years it will start causing an issue

[@FlyinRyan31310]

@TheCreditShifu I'm also probably biased towards chase since my place of grocery shopping isn't coded as grocery and the credits on the platinum don't match up with my typical spending

[@TheyMostlyComeAtNight]

So Jason, Mister I'm Out Of The Game, is helping make these credit card videos? We've entered the Twilight Zone! 😄

[@TheCreditShifu]

Ah, its not him, they just happen to have the same name

[@jn2292]

US Bank should have been in it's own category called "Dumpster Fire".

[@SectionChief]

US Bank? Why????

[@jn2292]

@@SectionChief It's a dumpster fire. Avoid at all costs.

[@richard1113]

Overall I agree with your ratings. But... I think it's unfair to give Wells Fargo an asterisk. You are rating cards not on how much people hate/hated them for things that don't affect most people. AMEX, I have several and I do like them but they also have the highest fees! I agree with the other people that said the Karat card is only good for influencers. And, in general, I get irked when you make comments like a card is great because of refrerral bonuses. That really only works for people like you! It's not a plus.

[@featherpony]

Synchrony has 3% Paypal card.

[@ReeceReviews19]

Platinum Executive Elite 😂😂😂😂

[@featherpony]

US Bank has a card with no annual fee with 5% Cashback thru mobile wallets (Apple Pay, Google Pay, Samsung Pay, Garmin Pay)... better than Karat. You get 4% dining Cashback and $15 annual streaming credit with no annual fee Altitude Go. Choose two 5% categories on no annual fee Cash+. $100 annual software credit on no annual fee Business Triple Cash. God Tier.

[@melrodriguez6566]

TD Bank is not that Bad. 😂 I have The target Card Give me 5%.😊

[@notdanawhite223]

Wow first here thank you all for not giving a shit

[@TheCreditShifu]

I give a s*it

[@eelfood]

Capitol One is the worst bank ever. doesn't matter what the product is when you suck so bad.

[@johnnyh8731]

Cap 1 is #1 PoS 🤬

[@raymondyu7933]

Disagree, Cap 1 is pretty good, cash back is real cash, not reward point of discount. Chase needs to learn

[@eelfood]

@@raymondyu7933 chase also sucks just not as bad as cap1

[@SectionChief]

Capital One is a challenge to get their cards and/or increase limit with their random secret criteria. But once you have their cards, they're pretty simple to use and straightforward usually. However, my only application decline in decades came from Cap1 (even though already a card holder) and 7 months later they gave me the very same card I was denied for all the while ringing up my inquiries both times across all bureaus. Can't stand them for that.

[@yurig2530]

Amex sucks! I wouldn't put it in god tier. It's worse than Citi and Chase, maybe on par with Cap1.

[@roythousand13]

The best card you can use is your "DEBIT" card! Credit cards are dangerous for most people!

[@TheCreditShifu]

What are you talking about?? Debit cards are the worst, you give any potential fraudster a direct link into YOUR bank account. With a credit card you have a barrier, no one can steal your money, if you card gets stolen or cloned they can only steal the bank’s money, which you have $0 liability for.

[@roythousand13]

@TheCreditShifu , debit cards have the same protection as credit cards. Also, you can use a separate checking or savings account (the account that your paychecks don't go into) to make your daily purchases.

[@TheCreditShifu]

@@roythousand13 nope, they don’t offer as strong protection as credit cards, plus even if you do get your money back, the money is gone from your account while they are sorting it out. Then if you are saying use a separate account to protect yourself, might as well just use a credit card lol. But if you have no self control, then sure

[@roythousand13]

@@TheCreditShifu ,Americans have over $986 billion dollars in credit card debt. You are advising people to play "games" with something that has high risk! I guess when your livelihood is based on "grifting", you do what you have to do!

[@hayrettinardadokuz5046]

I totally agree with what you are saying ....

[@j.r.1426]

The Karet card should not be there its possible two spots down. However I understand why you put them there wink wink

[@sizyeterkiisteyin7081]

Crypto is off helping to regulate

[@Sakaryaa]

Even with the current dip in crypto, I still thank you for the level-headed financial advice. I started stock and crypto investment with $4,345 and since following you for few weeks now, I've gotten $18,539 in my portfolio. Thanks so much MYSTICFLIP

[@hakanozdemir6804]

MYSTICFLIP helps me manage my accounts is a manner that helps me know when to buy or sell. I have 76 issues in my various accounts and the notices about predetermined markers help me to manage outcomes. I make slightly less than 100 trades in a year

[@hakangedik1711]

AM has been extremely helpful to me in personally managing stock and fund portfolios over the past 10-15 years. It has made tax preparation easy and helped with asset allocation. I've found it valuable enough to purchase copies for my son and son-in-law MYSTICFLIP

[@emreguz]

When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said...I’ve seen experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that he was able to get out of there and become his own boss MYSTICFLIP

[@josequesada1234]

Amex points are trash unless you use for traveling. No flexibility unless you work around it with the Schwab Platinum version to set a floor of 1.1. Chase earns points at a worse rate but much more flexibility at use and value on the points.

[@MichaelMcNeeley]

“Unless you use for traveling.” Yes, exactly. Points-earning cards are designed to be used on travel. The fact that the Schwab option exists at 1.1 cpp to cash out is just gravy.

[@scarling9367]

Kinda agree. I started with the BCE and it kinda sucks that I can't convert to points like Chase or Capital One. Still not a bad deal IMO.

[@yurig2530]

Yes, Amex sucks big time lately.

[@ronikassab4575]

17:02 so accurate 😂

[@shojus]

Hopefully Amex doesn't start selling tranny fluid

[@AztekFunk]

Just applied for Venture X this morning and got approved!

[@iamdanyc93]

🔥🔥🔥

[@scarling9367]

Noyce

[@domb9310]

Love your videos @Jim Carrey 😂❤ lol joking but you really do look like him omgggg

[@JohnSkyLey]

LOL I saw the bud light 🤣

[@Nanster-gv8nf]

my oldest card is a credit one that I pay $3.25 a month to own. I have an 826 FICO 8 and less than 1% debt. Even though I can't get it over $1250 credit limit, I have to keep it so my average age doesn't crash.

[@pishposh4506]

People don't trust Wells Fargo cards because they're worried wells fargo themselves might put fraudulent charges on their card

[@karet3441]

Hey dude I just wanted you to know that everything you do is necessary and thank you so much for what you do. Its more than just a recovery service, youre helping people. Youre actually the push for me to get my degree in Information Technology so that

[@1bridge11]

I like that Bud Light reference. You could have included Target as well.

[@melihclskn2014]

MYSTICFLIP is young. Holding almost anything mentioned here is a good hold because the VHS or Beta will only show in time. I want to hold them early. Its sad that most dont think of these things as good future holds instead of being out of the market and bottom hunting. Are we the adopters or are we scavengers? surely one of these layer ones will become the standard and i dont want to sell any of them too early.

[@yurig2530]

I would rate them as follows: 1. Chase 2. Citi 3. Amex 4. Cap1 5. US Bank The rest is junk.

[@RandyMichigan]

People don't usually call themselves experts.

[@johnnyh8731]

Blasphemous Ben !!! Putting Capital One PoS Bank , Next to CHASE!!! 🤬 U r the only one using BA via Cap 1 , Useless !!

[@TheCreditShifu]

Ymmv…

[@user-ik8yu7pj6e]

Inquiries on your Credit File,are actually more damaging than slow credit or late payments...Credit Bureaus are horrific for keep inquiries on your file for years...2 points less per hard inquiry..50 inquiries==100 points less This could actually take y

[@brandosousa]

Stopped watching after you called people who avoid stupid fees poor.

[@REAL-UNKNOWN-SHINOBI]

Proceeds to get unlimited 5% cash back on gas.

[@jasean21]

He didnt do the X1 card. (hated it lol)

[@yurig2530]

Citi has quite a bit of hotel partners - Wyndham, Choice, Accor.

[@scarling9367]

Wyndham is fairly solid. They have a strong presence in the Midwest with Ramadad and Baymounts.

[@yurig2530]

@@scarling9367 Wyndham is the largest chain in the world. You can also book Vacasa with Wyndham points. Choice is 1:2 transfer ratio, and then 1:4 to Radisson.

[@ShannonLeeSD]

Not cool to list the Karat card. I looked it up and it's a business card only for social media influencers. Boo!

[@TheCreditShifu]

Still god tier, there is no criteria on how easy it is to get in this list

[@happyron]

I’m out of the Credit One card game

[@ansheditzzone7077]

You showed great composure,experience,and thinking while dealing with the issues i had about my credit.Your level of quality work remains unprecedented,Thank you for all your help.Without your hard work,patience,and agility,i wouldn’t have completed raisi