How to Climb the Chase Credit Card Ladder [2024 Guide]

[@TheObsBuild]

I feel chase portal up charges a ton. I remember looking it was 700$ round trip but when I went to Southwest to get the tickets they where only 250$

[@drawspanish]

Love the video John and I’ve learned a lot from all your binge-watched videos!!! One suggestion is be sure to double check the spelling of any words you put on screen, example off the top of my head include “dinning” instead of “dining” and “longe” instead of “lounge”. Keep the videos coming!

[@ellenbac2025]

Hi John, thanks for this informative video. Could you please make a climb the AMEX credit card ladder video?

[@robert8311]

Just got a Amazon chase prime card after getting my first ever card chase unlimited cared ( think I skipped one) idk after 6 months and got my credit score from 650 from poor student loan management to 737 after 6 months and paying all my debt off

[@nishankamin]

This is THE video we all need. Great one! Hoping to see more of these for the other card issuers as well.

[@johnsfinancetips]

Happy to help!! Thanks for the comment!

[@dmunozg]

Just a quick correction: The Freedom Unlimited has 3x on Drugstore purchases, not Groceries (the public offer includes 5x in Groceries and Gas for one year, but no cash back match).

[@matte2938]

Sometimes Chase offers double cash back on certain cards like the freedom lineup for a limited time frame

[@johnsfinancetips]

Good catch on that!! Thank you!!

[@justicelira]

I only saw a chase flex is it the same as rise?

[@aldon.terrana345]

@@justicelirathe rise and flex are different. the chase freedom rise is more tailored to people who have little credit history and are just starting out. It will offer 1.5x cash back on all purchases. The chase freedom flex is a card with a recommended credit score of around 670+ that offers 5x cash back on rotating categories. If you’ve had a credit card before you might find yourself having more use out of the freedom Flex (they are both no annual fee) hope this helped!

[@realestatelivenetwork]

This Is Great Information 🙂

[@ezmaass]

The JPM Reserve is still a bit different than CSR beyond what's mentioned here. For example, it's invisible on your credit report. The existence of it, including your spending, credit line, etc., just doesn't show up. This is useful in some instances.

[@K.cxtxlinx]

I’m pre approved for the freedom flex, sapphire preferred, and freedom unlimited because I bank with chase and have my savings account with them. Should I pick one from those three or gradually apply for all of them? I only have one other credit card that I’ve had for about a year and a half, and make less than $15,000 a year as a full time student.

[@Active0000]

I was in a similar situation. I was pre-approved and just applied for FLEX but Unlimited is an equally great option. Just be careful to not over spend 😂😂

[@camilabotero1464]

came here to learn more about credit cards and left with the knowledge that I should marry the guy with the JP Morgan preferred LOL (allow some humor, people)

[@Lancun]

I'm in a weird spot right now. Currently 3/24 and it's been five years since I got the CSP. I really want to downgrade and get it again, but I have a feeling that it'll get an elevated SUB soon. I'm just itching for a new card and I want the Hilton Aspire soon. I also want the Marriott Boundless for the Ritz in a year though, so I can't get the Aspire before the CSP and Boundless unless I'm willing to put one of the Chase cards on a two-year hold.

[@Lancun]

@JordanShilkoff The problem I have is that I have a Waldorf stay coming up in April, so for me to avoid 5/24 but still get the Aspire and the Boundless, idk what to do. It's only been a month since I got my last Chase card, so I think early February is the absolute earliest I could apply for the Boundless and make it 4/24. Then I could apply for the Preferred and the Aspire on the same day I guess. Maybe that's the play. I'd like to use that Aspire credit.

[@Upper_Room_Studios]

@7:10 Thanks! I was wondering where my points were. Great vid. I have flex and unlimited... and built.

[@landsystems5807]

I just find the chase travel portal is way more expensive than booking on outside sites. I pretty much just go for cash back. I do travel a ton for work but im normally in very rural areas.

[@PERSISTENTxMF]

I totally agree !

[@VTEJAK]

Lounge spelling mistake?

[@Mage_AcceleratorYT]

I’am subscribed

[@Elayea]

This is a really dumb question, but when you move on to the next tier, do you cancel the prior ones? Won’t that impact your credit score? Or do you keep all of them?

[@Active0000]

Keep them all. And try to use them all at least 1 transactions a month to prevent them from being closed by the company.

[@jonathanherrera3855]

Thank you thank you for this

[@eliterampage4205]

Hi John, if we use your referral link for the Freedom Unlimited card, will we still receive the $200 for spending $500 in the first 3 months along with the unlimited cash back?

[@mmendoza3094]

Idk how late I am but the 200 back from 500 is always there, the benefit was u getting double the points

[@turtle1125]

This year i got approved in order for CFF, CFU, Amazon Prime CC, WOH, Citi American Airlines CC,and CSR

[@jackbanxian]

how did you do it? I got a CFU now and I wonder what the timeline for the next cards are. Thank you!

[@turtle1125]

@jackbanxian If you have good credit and has been more then 3 months then you should be good i would try and get the CFF and CSP or CSR. And leave at least a month in-between

[@jackbanxian]

@@turtle1125 Do I have to get the CFF? I don't really think it's a better card than the CFU and what's the point of having literally the exact same card haha (I probably don't know enough) Thank you!

[@muskanraisinghani5426]

@turtle1125 if we move up from freedom rise to freedom unlimited, do we get sign up bonus?

[@jacobbecicka2291]

I used your affiliate link because I have learned a lot from your channel and it was only double points until the end of the year. So I only got double points for 3 months instead of 12.

[@johnsfinancetips]

That's strange, if you clicked the link I have it should be double points for 12 months. I just clicked into it and verified

[@michaelkreck9168]

Love the vid, John. Suggest you spellcheck your graphics. I saw at least 2 misspelled words…Dinning and another earlier in the vid. Keep up the great work. Thanks for your efforts on our behalf. Mike

[@kingnx1385]

Is the chase freedom flex a step backward? I have the unlimited . I’m looking for a ccc for gas strictly and the flex for groceries .

[@johnsfinancetips]

Not at all! I'd say, both of those cards are equals, and I personally have both of them

[@pascalkonyn3312]

Hey John, thank you for the great video! If I just got the Sapphire Preferred in December, can I qualify for a Chase Freedom sign up bonus in March? Or do i have to wait 24 months?

[@johnsfinancetips]

Congrats on the new card!! You can even qualify for the Freedom bonus today as long as you are under 5/24!

[@diegoreyes3779]

What if I get the freedom card first how long do I have wait to get the bonus for the preferred card?

[@goyani]

It currently shows 1.5% additional on Freedom Unlimited through your link. However it does not say whether i still get the $200 sign up bonus - is it either the 1.5% additional or $200 sign up.. or do i get both from your link?

[@naruto41793]

I have had the CSP for 48months now how would i apply for the CSR and still get the bonus?

[@johnsfinancetips]

down grade CSP to a freedom wait a few days and apply for CSR.

[@Cobalt_11]

Hey John, how many cards would you recommend applying to avoid negatively affecting credit? I just got the CFU in November and wanted to get the BILT card and the Chase Amazon Card but not sure if getting both of those cards at the same time is smart .

[@Ilias_Flips]

you have a two week span where 4 hard inquiries will equal 1

[@carryeveryday910]

@@Ilias_FlipsI always thought that was just in relation to car purchases?

[@anonymoose2474]

​@@Ilias_Flipsthat's not true. That's only for loans, NOT for credit card applications

[@randomhowtos3011]

Qucik question where is the unlimited cash back match cause in the public offer I dont see it

[@Hurshneet]

Love the videos man! If you could do something like this for capital one or Amex it would really help me out.

[@thefutureisnow462]

Do you think it would be beneficial to have a Chase Sapphire Preferred credit card as well as a Marriot Bonvoy Bountiful credit card to maximize the travel options as Marriott has vastly more travel accommodations? I'm just a bit uncertain as to how the rewards systems differ between the 2 and how points can be transferred and redeemed.

[@DefSquadFan]

You need to do a video showing how you have 2 million ultimate rewards points.

[@johnsfinancetips]

A lot of it has to do with the lockdown in travel from 2020 - 2023. I didn't have much to do so went through a good number of Ink business credit cards + the referrals for the Ink cards recently has been insane along with the $900 SUB, coupled with no opportunities to use the points and a previous stash I had from my intense churning days of 2016 - 2019.

[@mikegoodwin2386]

The cap at 50% of your income is not always true. I'm at 63% to 68%, depending on how they want to figure my income.

[@kimberlymorton4690]

I love this. Can you do the Amex credit cards?

[@119jle]

No one accepts that card they only want MasterCard Visa and Discover

[@ghlibisk67]

Can you skip levels? For example, I’ve only had a basic rewards card from my credit union and have never used Chase, but my credit score is 750. Can I jump straight to a Chase Sapphire card?

[@Active0000]

Yes, it doesn't depend on only score, it's more about the credit profile. How many recent hard inquiries, utilization, payment history, etc . At least thats what some Chase banker told me.

[@itsyaboiimpulsive279]

How to climb Amex Ladder next?

[@firez5574]

Can we get an AMEX version?

[@BrianM216]

He doesn't get royalties from people signing up for Amex lol

[@johnsfinancetips]

You bet!! Adding it to the list!

[@rocko2darla]

I have an opportunity to go from chase slate to chase freedom unlimited. Should I make the switch?

[@Erenthenub]

Howdy. I just applied for the CFU 2 days ago and was approved... for basically a 24k limit. I have the CFF and CSP already, as well as the Amazon Prime card with Chase. Just had to round out the trio and the 5% on gas/groceries for a year gives me a year until i get a dedicated gas category card :D. Also, my total credit limit with Chase now is about 52k~ and my income is not yet near 100k :) Edit: typo in a card name and adding limit info

[@johnsfinancetips]

Thanks for the DP! Are you planning on and business cards from Chase?

[@Erenthenub]

@@johnsfinancetips no problem! And I do not currently. Though I do have targeted offers for the ink business preferred at 100k pts and the unlimited at a $900 bonus :)

[@trycep4217]

Should I apply for a Chase personal card first or a Chase business card?

[@mauricegomez7946]

When will the Chase Sapphire preferred have an elevated sign up bonus?

[@faterosario7872]

Is it good to have 2 or more credit cards from same bank? If not good, what should I do?

[@ernestovazquez8262]

When you say climb. You mean opening a new credit card or like upgrading the one you currently have ?

[@davineung5805]

What is hyatt again ?

[@gabrielpina4]

I have the og freedom and og slate plus the amazon prime chase card and really wanna upgrade the og slate card what card would be the best to upgrade the og slate to?

[@alantan671]

Hi John! I was wondering when I can reapply for a credit card. I made the mistake of applying for too many credit cards at once and it has been probably over 8 months now and I still can’t open a credit card.

[@paytawn4005]

You have a bunch to hard inquiry’s usually you have to wait a year from when you applied

[@walkingmiracles9706]

can i enter chase ecosystem at tier2 with a 700 score, but no chase accounts?

[@Socalsportscards]

I defaulted on a card with them 10+ years ago. Will I always be banned?

[@marksmith9421]

Can you transfer Chase Amazon Prime card points to a Chase Sapphire card?

[@nathanflowers26]

If someone else in my family has an Amazon Prime account can I get my card under theirs or do I have to have my own account?

[@kerrikirshner]

The Ritz Carlton card annual fee is $450

[@AJD323]

what level would you say chase freedom flex is?

[@bigpat728]

I had some things come up and had to charge a lot on my chase united and chase sapphire preferred. would it be wise to open a chase freedom if I don't have one and do a transfer balance for the 0%?

[@Swindie]

How long should I wait in between Chase Cards? I got the Freedom Unlimited this month and would like to do the Preferred next, unless you think I should do the Flex next

[@Active0000]

I think he said 2 max in 30 days. But you can always talk to a Chase banker. They help. If you're pre-approved you're mostly likely good to go.

[@jasonbroom7147]

It's super easy. You cut up the first one, pay the bill OFF, close the account, then start leveraging cash for your investments and purchases. The only thing that happens when you climb higher on a ladder...is the risk of injury or death when you fall off is greatly increased.

[@luisj.becerra2494]

Jp morgan reserve is not the same as chase sapphire reserve...there is a lot of benefits like insurances and concierge that I really value from the card.

[@slickslabmcknabful]

Those benefits, besides the United lounge/no reporting, are features of the Visa Infinite program. In this case, yes, the CSR is the same as the JP version. Both have the concierge, primary coverage for insurance and more. It's a status flex...and there's nothing wrong with that.

[@1cebraeker]

What's the difference between Marriot bonvoy to Ritz Carlton why do u want the step up? Can u expand on this?

[@gardeners.anonymous]

When’s a good time to request a credit limit increase on a Chase card?

[@Tangodawg55]

If you apply for, say the tier2 card and Chase sees you differently, will they offer you a lesser or better card depending on how they see you?? Or would they simply approve or dent your application??

[@jaimerosas1458]

I have a capital one credit card. My credit score is now 670. Can I open a credit card with Chase now ? Or should I wait

[@JoshuaRieth]

How fast can you rack up points for 'free' hotels/flights? I don't want to feel like I NEED to spend more than I have just to get the points.

[@qjs2]

Question. How is it that you apply for credit cards and you get approved but you don't get the intro miles or points once you spend so much? Thanks

[@Active0000]

You have to spend a certain amount within a certain time usually.

[@NimbleLiving]

Please do a two player mode strategy video.

[@spencer1211]

So I got denied through the link for the bonus, but I called the reconsider line and they granted me the card.. did I lose the bonus from the website bc I originally got denied?

[@oscarcastaneda7109]

how can I see if I'm pre-approved for chase freedom unlimited? I have 701 FICO w 7 months of credit history. Should I just apply since I need 670..?

[@Foimay]

Chase won’t accept me😭 idek why. Not just credit but bank

[@Forsale8859]

How often do you apply for a credit card within a year ?

[@christianbrune15]

Hey John. I recently applied for and got approved for the Sapphire Preferred and the Freedom Flex. I applied for the Freedom Unlimited but got denied. Do I just need to wait 30 days and reapply?

[@slotgetaway]

Thank you

[@shenoudabekheet8701]

Hi Merry Christmas Can u do a video on how to apply for business card as an uber driver please

[@johnsfinancetips]

Sure thing, but tldr you just apply using your SSN as the EIN

[@gusm2752]

Does it hurt your credit score if you close unwanted cards ?

[@64devil]

Yes it is better to leave it open if it's not costing you$

[@princekt12]

John what do you suggest doing in my case? Chase updated my freedom student card without me applying to the freedom unlimited. Is there any way for me to negotiate for the sign on bonus? And what card do you recommend i pick up with a credit score of 776

[@johnsfinancetips]

That's interesting, I think you might be ok to get another bonus because typically the language says that you will not be able to get a freedom if you have had a bonus on a freedom within the past 24 months. Since you didn't have a bonus and you only have the card, I think you should be good!

[@muskanraisinghani5426]

@princekt12 did you get the bonus?

[@davidbermudez3787]

How does dining credit works with csr priority pass and restaurant in the airport?

[@johnsfinancetips]

Usually it's a $28 credit and then you can bring guests and they also get a $28 credit

[@turtle1125]

I just got the CSR at 8-24

[@PP-ih4vy]

Hi I’m wondering what it will do with my credit score if I close one credit card? I have 5 credit cards and credit score 800. I’m not using that cc and just spending money on fees. Thank you for info

[@64devil]

It'll go down

[@dlloyd6300]

Quick question..... Who GAF?

[@I_NoahGuy]

People who are trying to build their credit score.... Don't watch if it's not relevant to you... Dingus.

[@GautamAtri]

How do you get from Preferred to Reserve?

[@deeznutz294]

You have to have the preferred for one year then you could upgrade

[@rdiaz1475]

But do we still get the 5x on groceries?

[@johnsfinancetips]

Yup the regular public offer gets you the 5x, but not the elevated non-public bonus

[@mcalisterhayes]

Why does Chase make it so difficult to view your travel credit balance?

[@joec8321]

I guess.... I qualify level 4... But i will stay with my level 2 credit cards with chase. No desire to pay to use their credit card.

[@1400V.]

You spelled lounge wrong bro

[@jaswanth333]

Do we get 200$ sign up bonus if we use your link? I dont see it anywhere mentioned other than the double cashback?

[@kennethlei6656]

Isnt it after spending 4k not 3k to get the sign up bonus??

[@I_NoahGuy]

Yes

[@Hitman_play]

Interesting that at 4:56-4:57 you used a tinkoff bank on the card of that picture as the bank is not even from US, but from Russia.🤓😂😂

[@webber7217]

wtf is closing date and wtf is due date pls help

[@lung21]

For example, u spent 1 k up to closing date, then u need to pay 1k before the due date. U got it now?

[@johnb1155]

Chase is a tough lender. I got denied for the unlimited with a 700+ credit score :(

[@Picco462]

me as well, but then a month later, I went into a chase branch and got instantly approved. I would try that since now is an amazing time to get the card.

[@VoltaireII]

If you’re a part of the chase ecosystem, just threaten to move your money through the message center, worked for me haha, if not then brick and mortar is your best bet, or a call to change the rejection

[@johnb1155]

Thanks guys!!

[@anthonylopez5]

My score was 695 on credit karma when I applied for the unlimited but for some reason it showed 653 in their rejection letter. I talked to their reconsideration team and after answering a couple questions I was approved. I remember reading somewhere that humans don’t read initial credit card applications (which is moronic to me) so it’s always best to contact them after the rejection to get a better chance of approval through the reconsideration team.

[@adriandeltoro4640]

What advice can you give someone who wants to start with chase, but doesn’t have good credit yet working on improving it

[@Stonerman135]

Open up an account with Chase with at least $250, wait two business days, and apply for the Chase Freedom Rise.

[@rayanghaffar2443]

Opening a checkings or savings account can help with getting approved for their accounts. Also do your best to maximize your credit score before applying

[@the-fantabulous-g]

Chase Freedom Rise has upped chances if you have at least $250 deposited in savings or chequings with Chase

[@AnthonyMeginy]

Nice!

[@unlink332]

your great

[@95beccaleigh]

Thanks for your video! How would you suggest getting the signup points for the CSR? I got the CSP a little over a year ago and was hoping to upgrade but read that I needed to wait 48 months to receive the bonus before switching?

[@lizz9896]

you can see about switching and transferring your points but you would have to wait 48m for any signup bonus

[@VoltaireII]

What do you think of the Amex Hilton honors card compared to mid tier cards like the preferred? The points seem really good for some key categories and it has a low annual fee, so I’m curious where you would rank it.

[@E39M5SPEED]

Y’all make the same credit card videos over and over. 😢

[@Robert-ug5hx]

That is sort of true, each content creator does word things differently, and each creator may bring anew small piece of information to the table

[@RikoRey92]

Things change after a year or 2, so it's gotta be updated

[@clsanchez77]

Relax. He is climbing the Chase Credit Card Ladder video ladder

[@vert8739]

@@clsanchez77underrated reply

[@devinmchazlett4146]

What do you expect bro it ain’t gonna change credit has been pretty steady for decades

[@kyleevanvo]

There are quite a few typos. I don't know if you've noticed, but you also seem less energetic. Is the winter weather getting to you? I'm starting my Chase journey with that Freedom Unlimited matched cashback

[@fumiyama165]

Credit card is a poker game. The House always win

[@casimirjosephkasmeer6878]

Just get a M&T card with all the benefits without any fees!!!!!!!

[@mtejovardhan]

background lo light mahatma gandhi ki abs pettaru anukunna

[@AutoXela]

Climbed it

[@emilywebsterhomes]

Question: I have Freedom Unlimited and thinking about getting INK preferred for my business. Will I be able to combine my points or do I still need the personal preferred card?

[@johnsfinancetips]

Great question Emily, as long as you get the Ink Preferred, then you should be able to pool the points from the Freedom Unlimited over to the ink preferred.

[@kerrylee4633]

Chase has no customer loyalty. Representatives lie to customers and charge late fees for being 12 hours late. Even you have been a credit card customer for 20 years and financed a car and boat, without being late on payments.

[@jibrilamvs]

Are these primarily available in America or do Canadians have access to any of these?

[@KenpachiDawson]

Trying to decide whether to get my gf on the freedom unlimited bonus 1.5x or just get 200$ for spending 500$. Yes in theory she’d get more value from the bonus 1.5x but she doesn’t spend a whole lot. She still lives with parents so she’s not buying groceries and not ordering food and also doesn’t really travel. So I feel like maybe the 200$ bonus would be the better option for her. Anyone want to add their input?

[@marlounbayari1288]

Can't even flex the JP Morgan card. Unlike the Centurion card, nobody knows about the JP Morgan card. And those who do, don't think it's a flex anyways.