Credit Card Expert RANKS US Card Companies BEST to WORST

[@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!

[@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

[@fpl_bailey]

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

[@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.

[@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

[@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.

[@AztekFunk]

Just applied for Venture X this morning and got approved!

[@iamdanyc93]

🔥🔥🔥

[@scarling9367]

Noyce

[@ibeunstoppable]

1. Amex 2. Chase 3. Everyone else

[@thebeddoctor4273]

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

[@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

[@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.

[@austinprice1029]

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

[@CirclingTheDrain2025]

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.

[@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

[@aswad15kmc]

did you change your channel name?

[@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

[@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-

[@shojus]

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

[@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.

[@JohnSkyLey]

LOL I saw the bud light 🤣

[@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

[@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%

[@domb9310]

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

[@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.

[@1bridge11]

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

[@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.

[@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

[@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

[@pishposh4506]

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

[@deadxpride45]

Great video good to see unbiased views to tier each bank

[@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.

[@douglewis7067]

You could warrant putting Citi down a tier by their main Airline Partnership. Amex points transfer to Delta and Chase points transfer to United, but Citi points don't transfer to American.

[@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

[@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

[@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.

[@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

[@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.

[@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.

[@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

[@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.

[@ronikassab4575]

17:02 so accurate 😂

[@shojus]

Hopefully Amex doesn't start selling tranny fluid

[@briceonwiley]

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

[@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.

[@iamsean92]

lol i just got a credit one platinum visa (and a secured Capital one platinum with $49 deposit) . i only plan on keeping the credit one card for a year. just started building credit. seems credit one give you 24 days from the close of the statement which is pretty standard. also i think it is law now for all cards to have at least 21 day "grace period" . and credit one does now have a no fee rewards visa which seems pretty good honestly.

[@TheCreditShifu]

The law states “if the card provides a grace period, it must be at least 21 days” they dont have to provide a grace period

[@iamsean92]

@@TheCreditShifu ah i see thanks

[@TheCreditShifu]

@@iamsean92 but they have got better over the years, and most of their cards now have grace periods, gotta read the terms carefully

[@iamsean92]

@TheCreditShifu yes the one I was approved for has 24 days. But with a $75 annual fee with 1% back on certain purchases. This is my first unsecured card i had no credit score two months ago. I'm going to call them in a month or two and annoy them enough to where maybe they give me some sort of statement credit.

[@tecben]

TD is the Target Red Card at 5%

[@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.

[@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?

[@vavelox293]

I drove my first car in my dads name and later went to get a truck in mine after I paid off my first one and drove off the lot with the truck I wanted,its mostly about a good credit score and a loan portfolio helps as well...lenders like to see various f

[@heighyew]

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

[@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

[@SuperVeganShark]

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

[@geekspeak1066]

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

[@_jefflarsen]

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

[@hquehace1148]

I have 2 chapter 11’s that are dismissed.The reason I have 2 is bcz I did not use an attorney.I was trying to stop an eviction,but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later,I en

[@PsychoGilgamesh]

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

[@TAGwG]

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

[@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

[@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.

[@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

[@jonathanfactor6688]

Great video thanks right now I use the united airlines explorer card the best buy card the city rewards plus card and the m life las vegas card from the bank of Omaha.

[@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

[@cazarilolsen4630]

TD is also not available in all states for some reason

[@iali00]

Wells Fargo autograph is probably the best card out there for value. BILT is also a beast.

[@donborvio]

This ^^^ Autograph is the best no annual fee card out there imo.

[@leprechaun4gold221]

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

[@TMike293]

Even the BILT card couldn't make me want anything to do with WF, Hublot tier

[@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

[@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.

[@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

[@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.

[@SpencerJohnsonOfficial]

The Wells Fargo hate is outdated in my opinion. No bank is your friend and they all do shady things that we don't see. As you said though, even if you won't bank with them, you might as well take value from them with their credit cards since you don't have to have any assets under management with them to use their cards or anything. Fun video Ben!!

[@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.

[@crippledgenius]

Td is not terrible in canada but definitely no amex

[@frankieanthony1904]

Agree 💯

[@xm_hassan.g8186]

As a Retired combat Marine I want to tell you that as what you are doing is just as important as any warrior on the battlefield. You are waging warfare against these criminals and terrorists on the digital battlefield. You are defending and protecting the

[@Shado965]

What no navy federal

[@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

[@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.

[@CesarJoel]

Team AMEX💪💪💪

[@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

[@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.

[@jasean21]

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

[@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.

[@KSlivinghappy]

Agree 👍🏽

[@RandyMichigan]

People don't usually call themselves experts.

[@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* !

[@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

[@yurig2530]

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

[@happyron]

I’m out of the Credit One card game

[@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.

[@Starscreamious]

10:50 Yeah....Synchrony is definitely a lame card. I've had 3 of them and they were all meh. No rewards at all.

[@notdanawhite223]

Wow first here thank you all for not giving a shit

[@TheCreditShifu]

I give a s*it

[@dequaleg]

It’s funny to me that the US TD cards are not great in Canada they are fantastic and provide value parallel to American Express!!!

[@SectionChief]

My US TD Visa card keeps changing their rewards program every few years or so and I don't like it. But it's a very high limit no-annual fee card that is 8-years old so I keep it active enough to not self-cancel.

[@featherpony]

Wells Fargo Autograph is as good as the Propel. And they have the Bilt card. God Tier.

[@kevjak357]

I would move Synchrony to the Some Good Value category because they have some good cards like the Sams & PayPal card. ( have both)

[@featherpony]

Synchrony has 3% Paypal card.

[@ReeceReviews19]

Platinum Executive Elite 😂😂😂😂

[@REAL-UNKNOWN-SHINOBI]

Proceeds to get unlimited 5% cash back on gas.

[@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.

[@electroduval831]

This video is titled incorrectly since Shifu ignores cash back. No way Amex is god tier as a credit card company. They are god tier as a points and miles company. But lately the customer service has taken a nose dive, and even high earners and spenders like Simon Katz have had big issues with their algorithms halting his spending despite making weekly payments. He says he has no issues like that with Chase. That’s simply not god-tier no matter how you slice it. But this shouldn’t come as a surprise, Amex spends more on influencers and marketing than any other bank.

[@TheCreditShifu]

Actually Amex pulled out of video influencer advertising a couple of years ago, so it is is hard for us to make money off referrals to them, we can only do referrals from our website not KZbin. We make a lot more from Chase. But yeah, this is my own opinion based tier list, feel free to share yours in the comments. ;-)

[@electroduval831]

@@TheCreditShifu Fair enough. Thanks for the response. I do think the once in a lifetime policy should be another ding on Amex though, if we are valuing points. You can churn Chase credit cards for their massive bonuses.