Exposing My Chase Card Setup for 2020/2021

[@TheAndrewLopezFinancePodcast]

You should do a video revealing all of your credit cards

[@andreyv1]

chase: how many freedoms u want? sebby: yes

[@AskSebby]

💳💳💳💳

[@sunshinencoastlines]

I tried to apply for another Freedom card about a year ago and they told me you couldn’t have more than ONE card style per person. How did you do this?

[@circletech7745]

You apply for another chase card then product change to the freedom.

[@face2much]

shout out to Sebby for giving the answer right away and earning the view time through the actual strength of his content, respect

[@therobg6632]

Whoever disliked this video got denied for these cards...

[@TomsLife9]

even for "non-travelers" so to speak, hotel cards are a good option (and probably much better than airline cards) because odds are you'll have a wedding or something that requires a hotel and is only a drive away, this should make it easier to torch that anniversary night

[@thatothertom738]

I’ve got the: Chase Freedom Chase Freedom Unlimited Chase Sapphire Preferred Chase Business Ink Preferred World of Hyatt IHG Premier

[@akin242002]

Too many Freedom cards. Say it slowly: "My name is Sebby, and I am a Chase Freedom addict".

[@Samsterdude1]

I’m just running a simple chase trifecta. Going to start getting into Amex cards here soon!

[@bulletbruv10]

On the same path as well

[@Louie-lr8jv]

Currently running the Preferred, freedom flex and prime. Been working perfectly for me.

[@docsays]

Thats a good setup!

[@Wealthforthe99Percent]

Very similar setup here! It's almost like I have been following your advice... lol. Seriously though, great insights and the Chase Business Cards are game changers!

[@neutralsportsfan17]

Kind of new into the game... Sapphire Preferred Freedom Unlimited Freedom Freedox Flex Looking at World of Hyatt and maybe a Southwest one next..

[@EmmaKasper]

You mentioned downgrading your ink and then upgrading it again in a few months. How frequently can you do that?

[@TomSramekJr]

I’m sort of late to the miles game, but I kind of fell into having the Southwest Priority, Chase Freedom Unlimited (they upgraded me from Slate), Alaska Air Visa, Hawaiian Air, and just got the Amex Platinum (w/ 100K). Was denied for the Sapphire Preferred before getting the Amex. A little bit of everything now, but some good cards, especially since I normally fly Southwest and Alaska.

[@stingray1381]

Sebby, Spire Elite is top status for IHG, not Platinum.

[@TheFedExMan702]

Great content. We will patiently wait for you to expose your Amex setup 2020/2021

[@Varo_95]

Applied for the CFU last week to complete the Trifecta. Started with the CSP in July!

[@mr.f6215]

I currently have the Chase Freedom, Chase Freedom Unlimited, and the Chase Sapphire Preferred... I’d like to get the World of Hyatt, United, Hawaiian, Flex, and the Bonvoy Boundless.

[@joeycowboy14]

Just wanted to say thanks for keeping all of us up to date, Sebby! I received a $150 retention offer for the CSR and am grateful for you sharing your insights on retention offers.

[@AskSebby]

Congrats!! Glad you were able to get one :)

[@tacticoolalan368]

Hey Sebastian, I am new to the channel. Do you plan on doing another comparison video on chase hotel cards. I love the content and find it very helpful for optimizing my credit cards for my travel addiction.

[@oregondork]

Also, if you’re gonna talk about a card that is no longer available, you should talk about the currently available equivalent card as well :)

[@53consulting]

Bonvoy Business doesn't have an available equivalent at Chase. Amex has the Marriot Bonvoy Business card now. Same with the RItz Carlton, Amex has its equivalent, Marriot Bonvoy Brilliant. But, you can still get the Ritz card, you cannot apply to it, you have to product change to it. IHG Club is now IHG rewards club premier.

[@artraft5142]

Also the grandfathers cards can be mapped to RSL clubs in travels to Australia

[@wannabedal-adx458]

I have: -The Freedom -CSR (Pri CDW, non-category travel, and pay yourself back) -WOH (Hyatt and non-category spend for status!!) Into 2021: Maybe get the IHG Premier (when under 5/24 again) and maybe the Freedom Flex. The problem with the Freedom Flex, CFU, WOH, and AMEX ED/EPD is that they start to cut into each other for non category spend. Not focusing diminishes the potential of each card. This brings up the struggle I have with getting either the Chase Marriott Boundless card and upgrade 1 year later to the Ritz card or get the AMEX Bonvoy Brilliant card!?!?!?!?!? Also please do one of these videos for your AMEX setup!! Thanks, Sebby!

[@TheAfrocuban]

Currently, I just have the CSP and CFF which I got near the beginning of October. I plan on product changing the CSP to a CSR in 2021 as well as product changing my Flex to a regular Freedom if that is an option. Otherwise looking to snag a BBP in 2021 and garden until 2022 so I can pick up a few other Chase cards that I have had my eyes on.

[@flonkas]

Love your channel bro thanks for helping me with my credit

[@michaelshay172]

the freedom trifecta for me

[@mendyazulay8178]

Would love to see ur Amex setup;)

[@Sapdaddy456]

Hey Sebby, two part question I plan on buying out my lease in the next six months and have 7g saved up already. 1. What is best bank account to store cash at that gives me most value? 2. What are best hotel credit card point offers that I can charge when I payoff lease? And how would I set that up?(I know plastiq is option but is the fee worth it? $23,000 payoff)

[@imgonzalez]

I got the Sapphire Preferred only sadly but that’s because I messed up in the beginning but going into 2021 I want to get four more from Chase which will be the Flex, Ink Preferred, Hotel card, and have not decided on the fourth one

[@lw5770]

I have 2 freedom, 2 freedom flex, Ritz, Hyatt (old version), IHG (old version) and UA

[@rommelbautista6480]

I got hyatt,freedom and CSP at the moment, keeping my freedom for 5x revolving, planning to get a freedom unlimited for daily, is it sound a good plan??

[@NicksDynasty]

I just have the Freedom Unlimited and World of Hyatt card may get another hotel card soon

[@vebtran]

Quick answer was Awesome 👌 👏 😎 🙌 👍

[@toddsiefert2863]

I have the Freedom, Sapphire Preferred, and Southwest Priority-not traveling makes me question the Southwest card. Trying to decide on switching Freedom to Freedom Unlimited.

[@DanielIles]

That cease and deists letter is nuts. I wonder if blogs like TPG are subject to this as well? Sounds like a lose lose ;/

[@bradleymikon1435]

What does ‘gardening’ mean in the context of credit cards?

[@siddsi6879]

can u do a video on chase retention offers for CSP?

[@kingtyson713]

I need this video! Thank you

[@jpknowledge8852]

Not having the Sapphire Reserve or the Rreferred in 2020 makes sense. I hope you hit all your referrals before downgrading! 🤑

[@manilakid3]

Mine: Reserve, Freedom, Freedom U

[@danh4295]

Please do a video on the new Yotta debit card!

[@CaseyBurnsInvesting]

Sebby gets most of his personal stuff free by being a credit wizard. Taking notes ✍️

[@AskSebby]

🧙

[@yolobro.]

Still kicking myself for not keeping my ink plus, but I still quit CSR. Plan is to PC to CSP once I’m ready to transfer points- currently run the chase trifecta sans CSR.

[@thejokerspeaks]

My Chase setup is, absolutely nothing. 2021, I do plan to get the World of Hyatt Card.

[@richard1113]

My current Chase setup is CFF for groceries, Walmart, PayPal, dining. Already got my $300 credit so CSR is on ice. CF, well, I haven't used that card in years. CFU is also in the sock drawer because of uncertainty with travel so I've switched those charges to the Citi Double Cash. AMEX BCP downgraded to BCE while CFF has 5% on groceries. AMEX Bonvoy, cashed in my credit for this year in Sept. $95 AF for a "free" night is totally worth it!

[@nickdoyle-achievefinancial2464]

Why double cash when you have CFU + CSR? You can get 2.25% with CFU when redeeming with CFR pay yourself back.

[@richard1113]

@@nickdoyle-achievefinancial2464 As I mentioned in my comment, this is because of uncertainty in travel. CFU true earning rate is 1.5% vs 2% for CDC. Yes, CFU -> CSR 2.25%, but that is based on limited categories and I do not want to redeem my existing points via pay yourself back anyway. When I get right down to it, it's pretty much a coin toss and have gone back and forth on these strategies.

[@sexy562100]

My current chase set is pretty sad i have a prime card and Disney card 😅

[@artraft5142]

It’s missing an HSBC one! To Mach the analytical Lion

[@musashi-san____1409]

Does Chase always let you keep the grandfathered cards? Or do they give everyone the boot at some point?

[@Coecoebrown]

You can keep grandfathered cards

[@bowedonut22]

Planning on cashing out all my Chase points later on a honeymoon/ engagement trip later so I’m just chilling with 2 freedoms and a business cash. After that, I’ll probably just hold off until I’m under 5/24 and can get another sapphire bonus. I’m running a very Amex heavy setup currently

[@joycexuu1720]

Good job sebby

[@KenronTheGamer]

I was holding out on my one 5/24 slot for the Hyatt card but I decided to get the Freedom Unlimited for now and get the Hyatt card next year when I get 2 slots open up. Also when travel opens up again I'll update my Sapphire Preferred to the Reserve.

[@AskSebby]

Seems fair :)

[@edwingranado]

I have: Freedom Freedom Freedom IHG Select IHG Premier Ritz Carlton Legacy Hyatt (will soon be WOH) Waiting to fall under 5/24 to get those INK cards, southwest priority, IHG traveler card and an maybe an AVIOS card

[@53consulting]

I'm just trying to stack as many points as possible this year and next. So when we're able to travel again, I'll be ready haha. I have one 5/24 slot open, going for a flex next month before the sign up offer expires. I have: Ink cash ink unlimited ink preferred Freedom freedom Unlimited united Ecplorer united Plus IHG Premier (X2) Hyatt Ritz Carlton ( just product changed, YAY!)

[@isobel64]

would love a beginners video

[@kinart2543]

Do all of the Ink cards give you access to the travel portal/transfer partners?

[@akin242002]

Yes for Ink Preferred. Not Ink cash.

[@adriandominguez9867]

If you could only two which would you pick

[@AskChristianYT]

I just recently picked up a Preferred to grab the 80K bonus, but after having discovered PayPal Key, I really should have gotten a Freedom Flex to go along with my Freedom. I've never maxed out a 5% category so fast! 😂 @Ask Sebby are you maxing out your Freedoms organically or using the PPK method (or some other method)?

[@MajorFrank10]

I was told I couldn’t PC to a higher annual fee product from a lower one until I had that specific card for a year. And only 2 PC changes with 6 months as long as the annual fees were the same.

[@docsays]

- yes, all true

[@Ps3blazer]

Sebby, I have somewhat of a unique case, I have had my CSR for 3 years and my SCRA benefits are set to expire 1/25/21. I want to know if you think I’ll be able to get away with using the travel credit before downgrading. Ultimately I plan on getting a CSP soon after my CSR is downgraded (to some type of freedom) to get the bonus. I just want your advice if you think they will blacklist me or clawback the credit. Thanks

[@ScottyByrd]

Currently quicksilver , discover it capital one platinum and PayPal credit however I’m trying to drop my utilization before applying ! However how could I use my eBay to apply for a business card

[@jddiggy2343]

Why no Freedom unlimited???

[@oregondork]

Did you mean to say that the freedom unlimited is the catch all card? You said chase Freedom flex.

[@dsdddsd4543we]

3:49 - Do you have a marketing agency Seb? The cap is $150k for the Ink Preferred. I’m not sure if you ever covered it, but do you do startup work in the Bay Area?

[@AskSebby]

Good topic for a future video :)

[@pauls9783]

Hi Sebby - would the IHG® Rewards Club Premier Credit Card open up the transfer point portal on Chase like the CSP & CSR does?

[@dougyshl]

Thumbs up for being quick and upfront!

[@shahtel]

No CSR?

[@gerardocastillocastro4019]

What's the 5/24 rule he's talking about?? I'm lost

[@bigbaaaadwulf]

Do you find more value transferring out ALL of your UR points from Chase to transfer partners? I have the CSR and I'm super excited about using my points for travel at 1.5x value, but am I more likely to find better than 1.5x value with transfer partners? Is it hit or miss?

[@rene.s.s]

CFU 80k CSP 80k Hyatt 50k Kinda mad I passed 5 night Boundless for CSP cause I need that Ritz PC

[@DylanDocker]

Which issuers do you suggest avoiding for credit card images in KZbin videos and is it okay if I use Chase cards aslong as they're the most updated picture of the card? Thinking about making a one off credit card vid

[@DanielTillie]

Hey Sebby, I would love some info on your thoughts on how to maximize opportunities with credit cards as military members. If you don't know, military members can get most credit card fees waived. For example, I have the platinum amex card with no annual fee. Would love to see what you have to say on that and how we can maximize the opportunity given to us. Thanks

[@roderick5429]

Jake Broe is a military member, and he covers this topic in quite a bit of detail. His content is also very good. May want to give him a look.

[@DanielTillie]

@@roderick5429 appreciate it! I’ll check him out

[@docsays]

I just pc’d my Freedom to Flex. I’ll combine that with my citi DC, discover It, & amazon prime card. Those will be my primary cards going into 2021, plus a few extra cards as needed.

[@aj07257]

What’s the advantage of switching Freedom to FreedomFlex?

[@docsays]

@@aj07257 - the Freedom only has 5x categories & 1x all else, & is a basic visa card. The Flex offers 5x categories, plus 3x on dinning & drugstores, & 1x all else. The flex is also a world elite mastercard so it includes cell phone insurance & a few other perks

[@aj07257]

@@docsays ohhh that’s right thanks. If I product switch it will that report as card closed and new one opened for the flex or will it keep the history? Thanks!

[@docsays]

@@aj07257 - kinda. Chase basically transfers all your account info from the old card to the new one so you don’t loose acct history

[@manandi573]

I need some help, I am 19 and I have just got into credit card points. I currently have the discover student it card but what should be my next one? I heard the chase freedom flex is good. What should be my move? Thanks in advance

[@joeknizek664]

I have the old Hyatt card and I got a letter in the mail about the automatic upgrade to the new Hyatt card on Jan 11th. Will Chase let me cancel my old card and apply for the new card to get the 50,000 sign up bonus?

[@bowedonut22]

How are you using the incidental credit on the Ritz card now vs how you used to use it? Also is it still worth getting without the visa infinite flight discount?

[@AskSebby]

$450 for 50k anniversary night + $300 in travel incidental credits. If benefits > cost, then worth it.

[@vicentemorales478]

@asksebby Please help me out on October 28 I bought a house and November 20 I bought a car( dealership ). When can I be able to get a new credit card. I only have 3 but my goal for 2021 is to have 5 in total but not sure how long I have to wait in order to get a CC. Also if it matters the last time I got a CC was citi double cash, back around July or August. Thank you

[@Kenroy112]

I have the unlimited ,freedom, reserve , Hyatt . I also have the amazon and United card. I really want to get rid of my united card but I have it for too long now. For 2021 hopefully I can get some chase business card, if not then I am hitting up BOA and CITI. :)

[@53consulting]

You can product change your United card to the no annual fee United Gateway card. If that helps...

[@bchang1991]

I wish I can have Marriott Bonvoy Business card, better than Amax Bonvoy Business with lower AF. My current setup (10 personal + 3 business): Freedom, Freedom Unlimited, Sapphire Reserve (Will downgrade to Freedom Flex next year unless it ups the credits), Old IHG Plus, IHG Premier, Hyatt (Becoming WoH next January), Ritz Carlton, United (No AF), Southwest Priority, Amazon Prime, Ink Cash, Ink Unlimited, Ink Preferred I am looking into United Business card with $ 99 AF in the near future but not really on my priority list.

[@AskSebby]

I'm jealous of the United, SW, Amazon, and Ink Cash. I probably could have played my 5/24 better in retrospect (I rushed into Amex).

[@BigBusiness02]

Do you still find good value in the Ritz Carlton without having the visa infinite flight benefit anymore?

[@tonyzhu1687]

Sebby is that Hibiki 17 and Yamazaki 18 I see???

[@zacharydingo]

I think it’s still valuable to talk about grandfathered cards from time to time. 👍

[@AskSebby]

Glad to help Zachary :)

[@hawgstar_4924]

Thank you for your willingness to share your information. Do you have a sample timeline for applying for new cards? This may be helpful for those who are new to building their credit card portfolio and are wanting to bank points/rewards.

[@AskSebby]

Here's a guide for people optimizing for travel: www.asksebby.com/blog/first-5-credit-cards-strategy-for-travel

[@justinnunez5217]

Anybody else thinking about downgrading Reserve to Preferred? I just don't think the $550 is worth it - even if you did call Chase Retention they only drop like $150... $400 is still a lot.

[@nickdoyle-achievefinancial2464]

300 travel credit (currently applicable to gas station & groceries) makes it $250. Then add $60 door dash credit and 50% bonus towards pay yourself back. I still think Reserve is a good deal.

[@evanb9771]

So can you product change the old Chase Freedom still?

[@53consulting]

You can product change from the old freedom to something else. You cannot product change from something to the old Freedom.

[@AlexLangos]

Damn, that’s a deadly combo! Like button destroyed.

[@jimmyquan9707]

I currently have Chase Freedom (Sept. 2020) Chase Sapphire Reserved Chase Ink Preferred (Downgraded to a 2nd Ink Cash) Chase Ink Cash Chase Ink Unlimited Chase Freedom Flex (2021)

[@AskSebby]

Thanks for the run down Jimmy! :)

[@XtreamSJ]

can you apply to World of Hyatt card for the second time to stack the anniversary nights?

[@AskSebby]

AFAIK, they won't approve you for a 2nd WoH card with another one active. Let me know if your experience is different though!

[@53consulting]

@@AskSebby I would get 5 WoH cards if it was possible... hehe Ok, maybe not 5, but 2 for sure.

[@IsaacReddinger]

I got the world of Hyatt card last year and had it for about a year. After staying at 3 different properties in 2 different states and having sub-par experiences at all of them, we canceled. We prefer Hilton and Marriott far better.

[@leonardocabrera9915]

We stayed at the park Hyatt in Sydney, it was the best hotel experience ever!

[@AskSebby]

YMMV :) My Hilton experience has been extremely hit or miss (domestic generally bad but int'l has been good).

[@SolidLiquidFox]

Marriott for the footprint and Hyatt for the consistency in quality.

[@FreedomFinanceFun]

Wow. Ad spend 125k maxed out?! Sebby is a boss

[@JacksonianT]

It's 150k max :)

[@DavidDerewitz]

How long do you need to wait b/w re-applying for the same INK card to get a bonus. I've had all 3 cards but cancelled after 1 or 2 years but I'm not sure if you can get the bonus again, need to wait 24 months, 48 months? Any idea or link to terms / details?

[@AskSebby]

Per the terms, it's 24 months from prior bonus. If you want to talk strategy: www.asksebby.com/free-card-consultation

[@Masshole4life]

What’s your % rate though?

[@MichaelMidnight]

Amazing setup man

[@danielsueros8166]

Waiting to upgrade my sapphire preferred in about 6 months 😩 also that wouldn’t even be a soft pull correct? I’m over 5/24

[@AskSebby]

Shuffle around the credit limit you have and it should be no pull :)

[@danielsueros8166]

I currently have 12k on that card but can move some from the freedom where I have 20k right now.

[@bryancervantes7503]

What is the point of having a freedom and a FF? won’t both 5x categories be the same?

[@UF250]

idea is you could have $3000 spending power instead of $1500 quarterly

[@sebastienshan1254]

Does upgrading and downgrading your cards every so often affect your credit score at all?

[@kylemarshall4559]

No it doesn’t

[@AskSebby]

1) How is your credit score assessed? 2) What factors (if any) would upgrading or downgrading impact for #1?

[@pezdacandyboi]

this is your chase setup, but whats your total setup =) is amex still being used or all cancelled after bonus and 1 year and using chase ?

[@SolidLiquidFox]

Amex set up is probably even more static if he values Bonvoy Brilliant cards for 50K certificates.

[@AskSebby]

Amex has been pretty static this year due to their change from 5 => 4 cap for credit-based cards. Hard to give up 2 cards for 1 intro bonus.

[@michaelgutierrez7696]

Is there a way to check if you are up the 5/24

[@53consulting]

Look at your "credit history" on any credit monitoring site. (credit karma or something sililar)

[@MrTedbose]

Can you have more then one Chase Ink for your business?

[@SolidLiquidFox]

Yes

[@AskSebby]

Yep! Depends on how antsy Chase is being + your application details. 2-4 business cards are in the reasonable realm :)

[@markdavis2671]

Freedom Freedom Flex Freedom Unlimited Sapphire Reserve IHG Premier IHG Select

[@AskSebby]

The triple Freedom setup I see!

[@teamrocfan]

I understand you rarely miss anything and you have reasons but I’m surprised you haven’t mentioned the Yotta savings debit card. I’ve never hopped on a waiting list faster in my life lol

[@AskChristianYT]

He has at least two videos on the subject from the past few months. Definitely worth a watch 😁👌

[@teamrocfan]

@@AskChristianYT the Yotta debit card? That came out this week

[@DNMWHOA]

Just Chase FU and FF for now..

[@TadashiTravelTours]

i’m surprised you don’t have ink business cash, it was your first pick against Brian