My NEW 2025 Credit Card Strategy (& 2024 Recap)

In this video, I’m going over my credit card strategy for 2025! I’ll be talking about my 2024 credit card recap, how I redeem credit card points for travel, and how I plan to get more value from my twoplayer credit card strategy in 2025.
My credit card plan for 2025 is going to involve 5 key things that I’ll discuss in this video. I’ll also cover how me and Jackie redeemed points and miles last year for travel and some upcoming trips we have planned.
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CHECK OUT SOME OF MY OTHER VIDEOS:
▶️ Get These 6 Credit Cards… Quit The Game: • Get These 6 Credit Car...
▶️ The OPTIMAL Order To Get Credit Cards (Starting From 0): • The OPTIMAL Order To G...
▶️ My NEW 2024 Credit Card Strategy (& 2023 Recap): • My NEW 2024 Credit Car...
▶️ How We Got $40,000 of Free Travel (with Credit Cards): • How We Got $40,000 of ...
DISCLAIMER: Some of the card links and other products that appear on this website are from companies which Daniel Braun will earn an affiliate commission or referral bonus. Daniel Braun is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.
The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

[@TheCreditFrog]

Great to hear about your redemptions for 2024! Big things happening this year for you and Jackie! We're also thinking of purchasing a home in the next 1-2 years so we'll have to slow down our CC apps in 2025 too. Exciting times!!

[@Daniel_Braun]

You're the man, Stan!! Thank you brother! Very exciting times for sure - hopefully you and your wife will have good luck with that whole home-buying process as well.

[@PolygraphZone]

To both of you guys, if buying a house in the next 12 months, I strongly suggest not applying for any new cards. Having a great credit score doesn’t ensure you the best available interest rate. I’m locked in 3 1/8% 30 year mortgage in Phila metro area since 2016. They scrutinized every deposit and withdrawal on our checking accounts and wanted info on my pension, my 457 (I’m a law enforcement officer) and my Merrill Lynch investment accounts. So many hard inquiries will affect you. I’m not a financial guru. I’m just an OCD guy that has fun maximizing every penny spent for the best return on my cards.

[@PolygraphZone]

And just for the record: i’m a cashback guy: only rock a city trifecta and a BOA premium rewards and customized CB. Bank of America makes sense for me because the bonus I get for my investment accounts. I also have a Discover card that I refuse to cancel for length of credit history and also have fun maximizing the 5% quarterly. Only 2 /48 but no interest in any chase cards. I don’t travel enough and I don’t value airport lounges. :) 830-840 ish credit score. Waiting for a new Citi Prestige if it has good travel insurance and multipliers and a good SUB. Enjoy both of your KZbin channels. Keep up the good work and good luck in 2025 👍

[@gabrielaurias8582]

I really appreciated hearing about the times when you had to pay cash/combine with points! Way more realistic to the average viewer and helpful to see how you shaped your travel plans accordingly.

[@Daniel_Braun]

Thanks Gabriela! Yeah that’s my goal with mentioning that as well because it’s tough to always do points. As long as it’s a good redemption and money is being saved on travel throughout the year, then that’s a win to me

[@KevDaPirate]

crazy how much your youtube channel blew up. Still remember you were around the 12k-20k ish subs like 2 years ago congrats man. Also getting married in July, and hit my sign up bonuses for chase trifecta + business unlimited ink so im at 287k points rn so def going on honey moon all over asia trip in the fall time!

[@Daniel_Braun]

Thank you!! And I know it's crazy right haha - so happy with the growth that the channel has has over the past few years and excited to continue growing it! Love to hear that you've got such a strong balance of points - that'll get you some good travel ✈️

[@Jonathan_Youngs]

Amex needs to add Hyatt.. also I hope you had a good Christmas Daniel!

[@Daniel_Braun]

That would win the credit card wars for Amex haha. Thanks Jonathan, hope you had a great Christmas as well!

[@Boxerexp]

funny because they've had some Hyatt things in the amex offers. I keep wondering if they're testing the waters.

[@lewis20002000]

Chase has an exclusive agreement, I don't know the length of it.

[@EJZ8]

I would bet Chase forces them to give them exclusivity among the big players.

[@Billy-4]

That’s like saying Chase needs to add Hilton

[@davidshelton7208]

Yes. A rule of thumb for mortgage underwriters is to not open any new cards within 6 months of that mortgage application. Also be aware that even though you have good credit, some underwriters do not like seeing applicants with a lot of open credit cards. They will look at income vs available credit as well. Good luck.

[@Daniel_Braun]

Yeah that makes sense and good to know! Thanks for that!

[@newagain9964]

no new cards in 12 mos is even better. Also if ur buying a house you’ll be glad u have a lot more welcome SUBs available.

[@ignacio2763]

@@Daniel_Braun got a mortgage with a credit card opened 3 months before. They said it had minimal impact since I had no balances and it was a small % of my total credit limit. Credit score wasnt affected (dropped like 6 points). Probably still best not to open anything but don't think it is as big a deal as people say.

[@rooswrx09]

@@ignacio2763 You're correct, the approval process is much more biased on the debt to income ratio for a home loan. I have never had a loan denied for having too many credit cards opened recently. Most underwriting is automated nowadays and the actual underwriter just bases the decision off what the automated system tells them, very little human discretion is used.

[@meganrichter9748]

How many open cards is considered a lot?

[@BobI-jb4rk]

Loved hearing about your ‘25 travel plans. Very inspiring as I plan to book out my spring break and summer adventures. ‘25 will be our greatest year!

[@Daniel_Braun]

Thanks Bob, glad you enjoyed this one! 2025 is going to be the best year ever!

[@RampageMaximum]

Looking to add my girlfriend as my 2nd player in the credit card game. Your videos have been very helpful to prepare for this new journey. Merry Christmas to you Daniel and Jackie! 🙏

[@Daniel_Braun]

Love to hear that - thanks so much for watching! Merry Christmas to you too 🎄

[@noahthomas9387]

As a guy whose getting married in March, this 2 player setup is SUPER helpful. Great video!

[@Daniel_Braun]

Congrats on the upcoming wedding! The 2 player setup is so powerful and I’ve loved having that for the past few years now 👍

[@dlinsanity]

Eyyy getting married in March too! Yes I’ll definitely be sharing this with my partner 🎉

[@snowvalley1961]

While I appreciate the videos and they are educating. You are still working and you have millions of points. We are retired and traveling more, but don't have the kinds of expenses on our credit cards to earn that many points. I wish you (and others) would do videos for those of us who make less than you do but still want to travel with points.

[@Boxerexp]

I'm taking a bit of this approach myself. looking to add maybe another 2 personal cards and let the hard pulls fall off. looking to buy a house in the next 2 years. happy holidays!

[@Daniel_Braun]

I feel like we could see a lot of credit card people do a similar thing over the next 2 years as rates hopefully slowly keep coming down - best of luck to you with buying a house as well. Thanks and Happy Holidays to you too!

[@ow5966]

Yes sir once the kids arrive, all that traveling with slow down for sure!!! You are doing it right by travel now.

[@DC_Consulting_DC]

Agreed! A mix of cash and redemption is realistic for those who travel frequently. For next month, we are redeeming for Grand Hyatt Kauai but we paid cash for our Alaska dog mushing trip. We take 2+ trips monthly. Headed to Wisconsin today.

[@L0J0]

Congrats on your growth and success this year! We are...

[@Daniel_Braun]

Thanks so much for that! And... PENN STATE! Let's see what they can do in the college football playoffs next week

[@L0J0]

Yessir! Used my Hyatt points for the B1G chip couple weeks back. Hopefully will use them for Miami soon !!!

[@Daniel_Braun]

Haha I was tempted to make the trip to Indy as well. Might have to do it if they make it to the National Championship game

[@peterchen205]

Happy holidays! I hope you'll have a great time in your travels next year as well as accomplishing your credit card goals.

[@Daniel_Braun]

Thanks Peter and Happy Holidays to you as well!

[@EXPRECDJ]

Everyone hates AMEX when annual fees hit. But when they realise the Gold and Platinum are points earning powerhouses with unbeatable benefits and credits, they all jump back on board.

[@SANG0I]

How is the platinum a “points earning powerhouse”?

[@nicobucc]

PLEASE make a video on how you’re using points and what cards you used to go to Cape Town!!!! Love your content and have had South Africa on my radar now for a while! Would so appreciate seeing how you are doing it ! Thank you!!!!!

[@hash6344]

Hey Daniel, I am your 945th subscriber and I hope you remembered me. Been commenting earlier. 🎉

[@Daniel_Braun]

Thanks for being around as a subscriber for so long! That's over 3 years now so that's awesome to hear!

[@catherinefrancis5827]

Really appreciate you mentioning using out of pocket cash in addition to points🙏🙏🥰🥰🦋🦋

[@MichaelMangin]

honestly his best most honest video yet. keep up the great info ✌️

[@Crum24]

Great video as usual! I’m curious, how do you guys have the time to be able to travel so much?

[@eshdz8400]

You’re my favorite cc Chanel

[@Daniel_Braun]

Thank you so much for saying that! Glad you like the content!

[@sjg6158]

Thanks for sharing this Dan. 2025 should be interesting. I hope you had a nice holiday season

[@Rickyfyied]

So you are just opening and closing the same cards every few years to obtain the signup bonus?

[@VeroniqueGraves]

Thank you for the informative videos! I was able to book trips to Chicago and Mexico City using your advice on transferring Chase points to World of Hyatt. Happy Holidays to you and Jackie!

[@MarkPharaoh]

Andaz continues to be amazing gems even after all these years

[@BertoJr5]

Thanks Daniel! Happy Holidays to you and the family. I just recently found your videos (literally a week ago) and sign up for your newsletter. Just got approve for the AMEX Gold Card and needless to say learn how to use that card going forward. Thank you!

[@Daniel_Braun]

Thanks for watching and Happy Holidays to you as well! So glad to hear that you found my channel and newsletter - I've got lots of great content to come for both!

[@klcmd]

New at the credit card game, and stumbled upon your videos. Learning a lot!

[@Bangpaulxu]

Happy holidays Daniel! Another great informative video!!!

[@Daniel_Braun]

Happy Holidays to you as well! Thanks as always for watching!

[@matthewyount7225]

Hi Daniel, great video as always! One suggestion for future videos: could you mention when it's a good idea to slow down the number of hard inquiries? Thanks!

[@Daniel_Braun]

Thanks Matthew, glad you liked it! So for me, I think slowing down and stopping the hard inquiries really makes sense roughly 6 months out from applying for any type of loan. Other than that, I try to go for a new card every 3 to 6 months depending on what offers are out there

[@cdepth]

Don’t the hard inquiries impact your credit though?

[@druiz012]

Late to watch. Loved the video. Capetown has been on my list! Would love to hear about that trip!

[@eeeskiii2916]

This channel is actually so helpful! I’m 21 Currently running the capital one Savor/Venture x duo surprisingly got approved lol

[@InvestWithFFI]

I would be very interested in a detailed video breakdown for your player 2 approach, including exactly what cards and offers she’ll be applying to, in what order, and how far spaced out.

[@SYS-ky7zk]

Nice video Daniel! It looks like you can go for Chase Ink Cash card to complete the Ink Trifecta. Also I hope you will reach 200K Subscribers soon!

[@Daniel_Braun]

Thanks, glad you liked it! And funny enough that Ink Cash card was actually my first business card so I already have it haha - just don't use it that much anymore. Thank you - hopefully we'll hit that 200K milestone in a few months!

[@ryanccc777]

If you are planning to go to the Bahamas in May and I know you are a fan of Hyatt I imagine you might be planning to go to Baha Mar. In that case Globalist on the World of Hyatt card makes a difference, for the room upgrade, comped breakfast and as a couple two free drinks per day. We just got back 😂, VERY expensive food costs and a kids EVERYWHERE!

[@Daniel_Braun]

Ahh very good to know! Yeah that's where I think I'll be staying and I've heard that the food gets very expensive - so yeah the Globalist status will be huge for saving on that. Just renewed Globalist the other day actually because it's been so worth it!

[@ryanccc777]

@ for my wife, myself and two kids under 12 yrs old, the breakfast at Regatta (buffet restaurant) would have been $155 per day, but thankfully waived due to Globalist. The property is great, extremely well kept especially considering the number of people there, and the staff is great, you’ll have an amazing time! The big kid in me had fun at the water park with my kids!😂

[@Bretime]

Hi Daniel, my husband and I love your videos. I would be interested in hearing more about your redemption process for your summer trip. That would be a dreammm trip for me. Congratulations on getting married and thanks for the great video.

[@lexi6115]

Didn’t know you were in PHL! Me too! Finally hope the CSR lounge opens!!

[@Daniel_Braun]

Small world! Yeah I'm really excited for it because it's supposed to be a massive lounge and much bigger than the Amex lounge at PHL, so we'll see!

[@lexi6115]

@ Right! And I also have the American Airlines card and I feel like both that and the Amex lounge have been so overcrowded. Interested to see how it goes!

[@jamesyu613]

good Strategy, I plan on getting more cards but waiting for high SUB. I will prob just use what I have right now, I'm thinking about using my IHG for a while. Hope you had a good Christmas bud.

[@ShaunGizdic]

Could you make a step by step video on how to set up a two player setup and connect your household with Chase? My fiancé and I are wanting to start our two player setup for our ‘2025 strategy’ as we plan our wedding/honeymoon! I have the CFU and CSP, and she is going to apply for her Chase cards here in the future. Thanks Daniel!

[@ankrehax]

Hey Daniel, I also use the Hyatt Business Card to help reach Globalist status. I used to pay all of my quarterly taxes with it (Q1 - Q4), but after including my own actual nights at Hyatt I used to get to around 80 nights after including the spend. Nowadays what I do is I prepay my taxes in Q1 and Q2 with newly opened business cards to get the sign up bonuses, and then by Q3 I'll know how many nights I'll stay in Hyatt for the rest of the year so that way I know how much to put on my Hyatt Business Card for Q3 and Q4 tax payments to reach 60 nights. I think going over 60 nights but not reaching 100 or 150 for the free night certificate is a waste in my opinion so now I target exactly 60 nights. Thanks for the video as always!

[@ryandalman9355]

Please do a video on a player two setup. I have always added my wife to my cards. Another point of view would be helpful. Love the newsletter.

[@SOXGATORS]

Merry Christmas 🎁🎄

[@Daniel_Braun]

Merry Christmas! Hope you had a good one 🎄

[@anniefarry6384]

Glad to have found you! I am feeling overwhelmed by the whole pts/churning strategy. I have a hard time keeping track of what cards I need to close/where I am at with 5/24, etc. Do you have suggestions for keeping it all straight? Also- I made the rookie mistake of always having my husband and I add each other as AU's in order to hit min spends quicker, but I now realize this was counting towards our 5/24. If we remove each other, do you have any idea if this will go away?

[@nowdeconstructed]

Jackiiiieeeee😀! Does she help you with your videos? They are great. Or do you create these all on your own with no help.?

[@OdysSea.Travel]

Very cool! We are just getting into this and have about 500k chase points. What is the best way to kind of keep track of what each card is best for? How do you find these transfer bonuses?

[@ron1061]

Daniel how many inquiries do you have now? 😅

[@78town]

I love it. Any possibility you could do a video on cards with best referral bonuses for spouses?

[@Daniel_Braun]

Thanks for watching! Yeah I can try to cover that in future videos, but those referral bonuses are always changing. Usually Chase and Amex have good referral links for Player 2

[@78town]

@@Daniel_Braun oh that's true. Congrats on getting married! We've been married six years. And she's just getting on board with the credit card train ha ha She was taught that credit cards are bad. But we've been paying off monthly, and after our last free trip to Cancun, I think shes sold lol

[@andrea25477]

Love your content. Would you please share or link the equipment you bought for your office? Thank you

[@M3LANAT3D]

I know that some people say that the freedom unlimited it a bit weaker of a catch all card because it only earns 1.5x back. But I opened it with the double deal (3x on everything) and my husband opened it on the normal SUB. So now we use my card (with him as a AU) for our everyday spending so everything is minimum 3x except rent.

[@corneliusrice6663]

You have a solid plan. I love it.

[@minchoi6535]

Can you recommend 1 credit can fit into my needs 1. I use $$$ alot on groceries, resturant, and online shopping: i use like 5K month 2. Travel 1-2 year internationally. No foreign transaction fee. I need just one card with good cash back with no annual fees. Please help me to select one.

[@theliquidsword]

Hey Dan- Off topic question. What is the timepiece on your wrist? I love it.

[@iDinzy]

Hey Daniel do you have any videos on the Hyatt Andaz Maui and Grand Hyatt Kauai? I'm going to both places in May and interested in tips/tricks. Thanks!

[@MIchaelAlvarado-f2p]

thanks for the info and congrats!

[@justy1337]

Nice vid! Lots of suggestions that I agree but curious, how much you spend on groceries to justify the amex gold as a grocery card if it earns not much more than some free cards?

[@RamseySalas]

good video my guy

[@cammerrill]

I am a truck driver and I spend around $3k on fuel every month, what card or cards would you use?

[@Whatsdanieldoin]

Staying in the AMEX ecosystem for the foreseeable future. Gonna get some Marriott cards and end my year with the Amex business gold. See if I can get some free nights in bora bora 😂

[@Daniel_Braun]

Nice!! Hopefully you're able to get a really good welcome offer on the business Gold! Bora Bora looks insanely cool

[@Whatsdanieldoin]

@@Daniel_Braun end my year as in next year 😅.. I’ve seen some interesting ways to get the Westin for points and free nights so we definitely going to look into that

[@DavidKnicks]

Great video Daniel!

[@Daniel_Braun]

Thank you!

[@MissLauraSquared]

11:46 I started following your channel this past March and that is something I’ve wondered for awhile. How is your credit score since you’re frequently signing up for new credit cards and getting rid of cards you no longer want? My credit score has sat around 750-770 for the past several years, but my husband and I don’t apply for new credit cards frequently and don’t make major purchases outside of purchasing our house and one new car, both in the past 5 years. Do you find you have a harder time being approved for larger purchases (i.e. house) since you do apply for new credit cards frequently? Also, totally love that you’re going to change titles to “what’s in OUR wallet!” You are doing a really awesome job explaining how you and your wife are a team and that it’s not just all about you. Love that!

[@audreyroberson943]

Very good overview, appreciate the details! I'm trying to better understand why refer your partner for a card vs be an "authorized user"....is it to gain the sign on bonus? Thanks!

[@SpartanOfFinance]

Great video. I’m wondering why they didn’t offer you a retention offer for business gold. My card renews in January and was only holding it if I got a bonus.

[@Daniel_Braun]

Thanks for watching! Yeah I was hoping that I would get an offer to keep it open, but I tried like 3 times over the course of 2 weeks and had no luck unfortunately. Still worth trying though - I thought for sure they would be more generous with retention offers because of the annual fee increase

[@AveryFath]

Can you use the sapphire reserve instead of the preferred for the chase trifecta?

[@shubhamgupta654]

Great video Daniel. Just one question though, I mostly buy my groceries from Amazon Grocery store. Could you suggest which one be the best credit card to maximize the points ?

[@JosefTorkelsen]

I wish I points. It is so stressful. I’m sitting on 300k of points and have daily drop but people compare the points to the flight they book to determine points per dollar instead of points per the cheapest flight and if you compare versus the cheapest flight, it is usually less than 1 point per cent of high is a terrible deal. I wish I liked points but I continue to pay annual fees for cards to keep points I won’t use.

[@newagain9964]

This game ain’t for everyone. There’s always cash back cards. Or something like fidelity or smartly visa.

[@shaunganley]

7:12 Seeing this, and did the math on the insane 55K roundtrip JetBlue Mint deal I got from BOS-LHR. 6.33 CPP! Damn, I knew it was good, but really feeling proud now!

[@MrGangstapaul]

Great video! I do have a few questions… do you have videos on the two-player system? I have a bunch of credit cards and wife is new to the game… do I refer her to get those cards or add her to mine or is there something else to do?

[@dannytenorio1242]

What do you recommend for a single player strategy ?

[@maxmaxed2887]

Hm I was going to apply to CSR to start building my Chase Trifecta, but we'll be applying for mortgage in February and I already have 2 lender hard inquiries on my report, so it's probably a good idea to wait as well.

[@mikedearmond6536]

Hi Daniel, enjoy you channel! ... I've always added the wife on the same account when I open a new credit card, but is that not optimal for a 2 player strategy? Should I say, open a capital one savor card for just me, then refer her and have her open her own additional savor so we double up on the welcome bonus and i get the referral points?

[@movie_clippz]

When you canceled the Amex Gold card, does that have a strong negative affect on your credit score? I am a little confused with how you can confidently cancel and sign up with another card so fast. Thanks!

[@WealthyChronicle]

This credit card strategy is seriously next level! 🏆 Anyone else maximizing their points like this? 😲

[@Daniel_Braun]

Thank you, glad you liked it!

[@lewis20002000]

Awesome couple 🎉

[@saulmartinez6165]

Great video! My GF and I are ready to use your CUR points this year w Hyatt. We’ve racked up ~250K. Any properties in Europe you recommend? Mainly looking into Spain, Austria, and Italy as potential destinations. Thanks!

[@toppsman]

Been watching your vids for a while, but first comment/question. Looking at pushing for globalist status in 2025 and have about 20 actual stay nights planned, have the personal card and plan to get business card in early February. Will spend first $15,000 on personal card for Cat 1-4 cert and then move to business. Just curious how many actual nights a year do you normally stay in Hyatt hotels versus spend for globalist? Thanks for the helpful, informative, and engaging content.

[@yosefbogomilsky8980]

Out of pure curiosity, what percentage of your travel do you actually pay for (vs. book with points) that the business platinum is actually worth it? (Besides for the other perks from BP, obviously)

[@anthonyjames4319]

I just got 75k Citi thank you points. Would I be insane to redeem for cash or should I transfer out to virgin Atlantic for a London trip?

[@Daniel_Braun]

Personally I think that points are best saved for redemptions on travel that get you above 1 cent per point in value. Totally up to you though!

[@brandonknable7890]

Cash if you need it, London trip if you don’t

[@CarlosPerez-sk9fq]

Hey Daniel, just wanted to ask. When you say the points value of these first/business class flights you took last year, is that the one way price or round trip?

[@Daniel_Braun]

Those were the one way prices where we redeemed points to London and to Amsterdam for the best deal on award seats

[@CarlosPerez-sk9fq]

@ I appreciate the fast reply brother! Love the videos, keep up the good work!

[@kloverend]

Do you have a video on how you space these out?

[@zbabyg6998]

This seems like a ton of work and management for a very minimal return.

[@ZayFai]

Nice Speedmaster 😁

[@playerman1]

“Before I get into what you are hear for I’m going to keep yapping”

[@Daniel_Braun]

Don’t watch then, sorry if you don’t like the content 🤷🏼‍♂️

[@playerman1]

That’s fair.

[@Ballaround878]

Credit card inquiry. Haven't used credit card in the past 2 years. I have rewards. If I transfer the rewards to my balance and then use my credit card, will this negatively affect my credit score? Trying avoid a huge dip.

[@bc.kromis]

I currently use a Discover and a USAA Amex but I’d like to get into the Chase ecosystem soon. Once I do is it bad to cancel those other two cards?

[@Wanderingahmara]

How can I share my credit card referral links on my youtube channel description without getting it expired?

[@onyekavanessa7154]

Hello Daniel, wonderful video as always. I have few questions for you. I am looking to open the Amex Platinum card as the sign up bonus is as high as 175k right now. do you know when that offer is going to reduce. I plan on opening it next week but what to be strategic about the timing and also, when does the annual fee usually hit your statement. thanks

[@alanwu3678]

Great video! I am trying to used my Amex credits before the end of the year. Can the Amex platinum $200 airline credit be used to get JetBlue flight credit or JetBlue flights?

[@kevin9887]

Went on my honeymoon in August and stayed at the andaz at wailea as well

[@kimberlywiezcorek6313]

So how much $$$ are all these fancy trips?? Your cost

[@cookinthekitchen]

What is a credit card strategy?

[@Nathan-gh8tx]

Have you considered the US Bank Smartly visa for 4% back on everything?

[@jamesonlovesbread]

How do you pay rent with a credit card?

[@sahm5071]

For a card like the chase freedom unlimited - what do you plan on doing with it after the 1 year of groceries? Loaded question for basically , are you terminating/discontinuing any credit card?

[@Daniel_Braun]

So my wife and I typically use that or the Venture X as our catch all card. When we want to earn more Chase points, that's when we use the CFU - and that's mostly because we like Chase points for the Hyatt transfers with our Sapphire Reserve. But I haven't really cancelled many cards yet other than my Amex Business Gold and maybe one other. I've downgraded a few cards though to keep that account open

[@christopherhenderson2773]

I cannot recommend Norway in winter enough!!

[@jbeamud]

Hey man what if I am an international student going to work in the US for 6 months under a J1 visa? What kind of card would you recommend?

[@M3LANAT3D]

Getting the Southwest Companion Pass has been a total game changer for my husband and me! Who knew diving into the points game while planning our July 2024 wedding would open up so many opportunities for us to travel and explore together? ✈️✨

[@emelynsanz9530]

I’m so excited! I’m about to get the Companion Pass next month! What are some places you’ve gone to with it?

[@MagFields1]

How many credit cards are too many?

[@nathaliamarshall727]

where are the links to apply?

[@blakebraboy6909]

Great video

[@kennyflores5846]

Hey Daniel, I’m just curious how much does your credit limit improve as you add more cards? What is a good credit limit to expect from these cards? Currently I only have 3 credit cards with my highest being 30k credit limit and the other two being 1/2k. If I were to get let’s say a chase sapphire preferred, what’s a good credit limit to expect? Also is it based on income? I’m currently making about $70k a year. Thx

[@Daniel_Braun]

Limits can definitely increase over time, but to me the amount never matters that much since you can always pay off early to manage utilization. Income definitely plays a role as well. If you have Chase cards then you can move limits around between cards if needed

[@twizzzyy1111]

Is Chase Trifecta stiil good?

[@Daniel_Braun]

I think it's definitely worth getting early on in credit card journey!

[@twizzzyy1111]

@@Daniel_Braun Im 19 Y/O. I just got Chase Freedom Rise Card yesterday. It’s my first credit card, So how long should i wait to upgrade my card. And which card should i upgrade with?