Never been this early, just wanted to thank you for all of your Credit insight you’ve given us. I just turned 21 and I already have the Amex Gold card among other cards with a 758 credit score. I appreciate the videos.
@Daniel_Braun23 күн бұрын
Thanks for the early view and comment, Damon! Much appreciated - and great to hear that you're off to such a great start with things at 21 🔥
@bobevans286723 күн бұрын
thanks for the content man. i’m a student that was using credit cards wrong and have been able to see my score increase by over 100 points since watching the channel!
@Daniel_Braun23 күн бұрын
Love to hear that! Congrats on the credit score increase, and thanks for watching my videos!
@Jokillah2423 күн бұрын
There’s a lot of people that talk about credit cards now a days & you by far go in depth in the best way possible, you explain the credit cards and even your personal opinion, kudos to you sir!
@Daniel_Braun22 күн бұрын
Thank you so much! I definitely try to go in depth and provide as much of my personal thoughts as I can, so I appreciate that feedback and support 👍
@mingyuwang663823 күн бұрын
most unbiased credit card content KZbinr
@Daniel_Braun22 күн бұрын
Always my goal! Thanks so much!
@vineetgangadharan176421 күн бұрын
This man has absolutely NO IDEA how many lives he’s changing. We need educators like you in our world🙌 thanks you !
@garlicnaan18 күн бұрын
But the leaders of the system won't allow this they don't want you to be knowledgeable
@xconnor75923 күн бұрын
Amex gold + Venture X combo = 🔥
@Daniel_Braun22 күн бұрын
2 very popular cards! Venture X works incredibly well for almost anyone, and as long as the new Amex Gold credits fit well into someone's spending habits then it's a great card potentially as well
@ronaldhu3zo23 күн бұрын
My GF was Pre selected with a 90k SUB via mail (only has one credit card and no chase relationship ) I told her that is the best offer yet 😂 so now we’re almost done with the Minimum spend bonus !
@Daniel_Braun22 күн бұрын
That's awesome! For the Sapphire Preferred I'm assuming?
@ronaldhu3zo22 күн бұрын
@@Daniel_Braun yes! I just noticed that haha.
@iFrankie.23 күн бұрын
Amex gold is basically a coupon book 😂😂😂. Also Chase is creating a new card that will compete with the Black Centurion Card from AMEX soon
@colehammack968223 күн бұрын
They already have JPM Reserve. Do you think they’re going to have another like that?
@iFrankie.23 күн бұрын
@@colehammack9682 from what I’ve seen so far from some reputable sites I honestly forgot what it was called but the name sounded cool and from what I also read it’s going to be hard to get kinda like centurion. Also Sapphire lounges are way better than centurion lounges
@jason-dj7nf22 күн бұрын
i feel like amex gold is overhyped just because it looks cool and people think it makes them look "rich"
@iFrankie.22 күн бұрын
@@jason-dj7nf yea but it’s cheap and anyone with a pulse can have one. It’s not bad to have tho. I have it and only use it for groceries & restaurants. CSP > AMEX gold. Csp is better for travel imo
@Daniel_Braun22 күн бұрын
Yeah I don't love that the Amex Gold is now more of a coupon book as well. If the credits easily fit into someone's spending habits, then that's all good! But only $220 of the credits fit into my habits personally. Would be interested to see if Chase launched a card like that, so we'll see!
@Jonathan_Youngs19 күн бұрын
I like staying at level 2. No annual fee cards are the best, especially for cash back team which I’m currently on. We’ll see what the future holds for me! 🙂
@basmo680322 күн бұрын
I'd like to see a video on the mathematics of why pursuing travel cards that get devalued regularly is better than cash back
@Daniel_Braun22 күн бұрын
Good idea, I'll break it down with the math in a video! Cash back has a floor value and no upside (can still be good though when optimizing the spending categories at 3-5% back). Cards that earn flexible bank bank points have more upside if you know how to redeem them and can be flexible in travel plans (but not everyone wants to do this or learn this which is understandable).
@CheapGodiva9 күн бұрын
These are so useful. Thank you for making these so comprehensive. Excellent editing as well.
@veerapetchpetchger537123 күн бұрын
This video couldnt have come at a better time for me thx Daniel 🙌
@Daniel_Braun22 күн бұрын
Love to hear that, thanks for watching!
@sjg615822 күн бұрын
I think you nailed it, but the most important tier is tier 1. That's what sets one up for either success or failure. You need that water under the bridge and good start to get it going. Well done Dan
@Rhaegar750418 күн бұрын
Daniel, thank you for mentioning the Altitude Reserve in the premium category. Nice to see the big guns start to give it the love it deserves.
@MobileSMSLocal23 күн бұрын
Congrats on the Marriage DB! Awesome to see that your channel has GROWN SO MUCH....I've been a Sub for a few years now. Thanks for the content as well Bro!
@Daniel_Braun23 күн бұрын
Hey thank you so much for saying all of that and for being a subscriber for so long! Support like that makes all of this possible, so I truly appreciate it!
@ron106118 күн бұрын
@@Daniel_BraunMarried now? No video? I knew you were engaged but when was the wedding? Congratulations, my friend! Good man and wish you and your beautiful wife the absolute best and happiness. 🎈🎈💙💙
@edsonmata47655 күн бұрын
Thanks for all your insight in the credit card work Daniel! I have been debating into jumping into the Venture X and putting aside the AMEX Gold with the fee increase
@JKnKC16 күн бұрын
I'm sure you won't see this, but LOVE your channel. Started playing the credit card game because I found your channel so thank you so much for that! The one thing I'm really struggling with is searching other airlines, like British Airways to book flights on American Airlines for my home airport of MCI (Kansas City) I'm not sure if I'm doing something wrong, or if it's not possible, but if you ever need a video idea. I'd love to see a video of finding/booking flights through other sites that aren't large city airports, if it's possible. Thanks for doing what you do
@ron106118 күн бұрын
Excellent video, Daniel! You always produce wonderful and very helpful videos and this one was cool with the great graphics and content! ❤❤
@Bangpaulxu22 күн бұрын
Appreciate your videos man! 🙏🙏🙏
@Daniel_Braun22 күн бұрын
Thanks for watching, appreciate the support!
@janetwhite837423 күн бұрын
Venture x keep telling me to kick rocks with credit score 800 + and 6 figure income 😅
@jacobmontes500023 күн бұрын
lol
@AgalmicAutomata23 күн бұрын
Sounds like they dont want someone who wont rack up interest debt
@soapa427922 күн бұрын
That’s what happen to me. Getting denial for a Venture X while having good credit and a high income is now a compliment 😂 Congrats, you’re financially responsible!
@Daniel_Braun22 күн бұрын
Yeah it's honestly starting to get pretty annoying with how the treat approvals. I've got a good video idea to talk more about stuff like this!
@lrnasigo121 күн бұрын
I have similar stats and I haven’t applied yet. Showing some love to the Savor One, hoping to bring some favor my way.
@vvgman6 күн бұрын
should you spend across all credit cards you have or should you use just one for everything? i have about 15 credit cards but i use maybe 2 or 3, i pay the balances off every month. love your channel and your info is the most logical i have viewed.
@ShihabAlvi22 күн бұрын
I went from discover it secured 200$ to unsecured 1800$ than to chase freedom unlimited with 2500$ than to the amex gold i think i can spend upto 15k on that and 740 credit all in 8 months no credit before am i going too fast?
@michellelam656121 күн бұрын
New sub here. I am enjoying your content. Discover was my first card some 30 years ago (currently it is my supplemental card). Currently, I am looking for a card with better multipliers. Thinking about either the Chase Unlimited or Flex to start the Chase trifecta. Somewhere down the road I will probably get the Preferred since I want to travel more. Thanks for information.
@delias1722 күн бұрын
Hi Daniel, I’ve been watching your videos for a long time and you’ve helped me out tremendously throughout the past year. I currently have the Amex Gold and was also wanting the Venture X, however I did not get pre approved for it. I make all my payments on time and have a 750 credit score. Any idea why I got denied for the Venture X? I’ve heard a lot of people have the same issue.
@ahmadshehadeh370517 күн бұрын
I have discover it since 11 months and capital one platinum since around 7 months, my credit score is 745 and im planning to get amex gold card what do u think?
@coachanthonyburgos39719 күн бұрын
For active duty military members and veterans a good beginner card would be the Navy Federal n Rewards secured card
@gonzaloriquelme52164 күн бұрын
Do you know anything about car refinancing.. would you be able to do a full breakdown video on this?
@akidataylor737713 күн бұрын
Net worth 1,000,000 or 850 credit score??
@jreyking1721 күн бұрын
I've only had the Amazon/Chase credit card for the longest, how would I actually go about trying to move up to a new level? Just apply to a higher level credit card?
@CallMeLani17 күн бұрын
Great strategy breakdown
@Sakurasan202323 күн бұрын
Great video 📹 👍
@Daniel_Braun23 күн бұрын
Thank you!
@gruhby954622 күн бұрын
What watch are you wearing? Looks very clean
@chandellemarie488223 күн бұрын
I love how well you explain this so succinctly. Perhaps you should start doing investment videos. 😂 I need help in that area, I feel like you’d be great at that as well.
@Daniel_Braun22 күн бұрын
Thanks Chandelle! I'm actually going to start making more personal finance videos as well, so stay tuned!
@chandellemarie488222 күн бұрын
@@Daniel_Braun So happy to hear! you're my fav KZbin educator.
@favianromero702321 күн бұрын
How long should I stick with the card until I apply for next one
@sjg615822 күн бұрын
Off topic about the Bilt Card, but I am very curious if it does eventually come through that we can use it for mortgage payments and earn if nothing else, points for transferring out to Hyatt, etc. Of course, if the answer is yes, some other benefit likely will go. I am very interested in seeing what happens.
@gphysco23 күн бұрын
Question , can I get the Amex blue cash later on if I were to pay off all my charge account balances and one collection and continue building on time payments which I have ?
@nycc_uchiha23 күн бұрын
you should be able to get it later on if you pay off everything, but amex also has a apply with confidence so you’ll know if you’re approved or not without catching that hard ding
@Daniel_Braun22 күн бұрын
Definitely focus on paying off all account balances and collections before getting any additional credit cards. Build up an emergency fund of cash savings first as well - but once you're score is doing good then you can look into the Blue Cash Everyday
@ryanbrilliant67932 күн бұрын
Which is the best credit card to build up air miles.
@M_att23 күн бұрын
Daniel do you recommend for me to go for the capital one venture? My last card was the amex blue and bilt but I’m not feeling the amex gold
@Daniel_Braun23 күн бұрын
I think the current offer on the Venture card is great to go for right now if you're in the market for a new card!
@erikk124223 күн бұрын
Me currently I’m currently on a beginner card I have a secured card with my local bank and got recently approved for the CFF and am looking into getting the CFU when I can. I really want to utilize the chase trifecta for traveling to help with a few of the expenses. I’m not sure if going for the BILT card once I get the CFU or wait and get the CSP? I rent so I feel like it would be more beneficial but I am also looking to travel next year in the summer. So I don’t know what would work better.
@Daniel_Braun22 күн бұрын
I'd look to go with the CSP first because you can get the sign up bonus of at least 60,000 points after $4,000 of spend. If you're rent was $2,000 per month, you'd have to pay rent for 30 months to earn the same 60,000 Bilt points (obviously the higher your rent, the more valuable Bilt becomes). So Bilt is a nice card to add after going for Chase cards - but I'd prioritize Chase and Capital One first in my opinion
@glatt18174 күн бұрын
Is BILT even going to be offered next year? Let me know if I fell behind on the news, but it wasn't that long ago that everyone was talking about how the card was going to go away due to it costing WF so much money.
@fps19722 күн бұрын
I just got upgraded automatically to chase freedom unlimited after being on the beginner freedom rise for a year, what’s next? I care about cash back, not much travel. This is the only cc I hold. Any suggestion would be greatly appreciated!
@patrickcreel669023 күн бұрын
I have the venture x and savor one duo. What should I add on after as a 3rd card? I don’t rent so Bilt isn’t really worth it for me.
@coachmbbrown23 күн бұрын
I’ve personally explored options in expanding my card setups in different bank/transfer partner ecosystems. So maybe getting the Amex Gold (very strong for groceries/dining) or the Chase Sapphire Preferred (decent amount of spending multipliers) to expand your options for transfer partners since you’re only in Capital One’s right now.
@Daniel_Braun22 күн бұрын
I'd say to move to Chase while still under the 5/24 rule to take advantage of that value next. Capital One and Chase are great to start with early on!
@jok28023 күн бұрын
Only too me two years but I’m at the top
@Daniel_Braun22 күн бұрын
Great to hear! It doesn't take too long which is good
@fiftysixscgex23 күн бұрын
this is my super bowl.
@Daniel_Braun22 күн бұрын
Me too, I love making videos like this haha
@coreyw598116 күн бұрын
Im still sad C1 will never let me have a venture x because i have too many accounts (im on card 9). They only offer for me to apply for the venture one 😒
@giovannydeleon719123 күн бұрын
Amazing video I wish I saw this earlier I just turned 19 not that long ago and I was applying for chase but before hand I applied to other places and I wonder why they denied me.
@Daniel_Braun22 күн бұрын
Thanks for watching! Yeah it just takes some time to build up a solid foundation to climb the ladder
@sergioramirez169323 күн бұрын
I’ve been getting offers from chase sapphire preferred an the business ink, capital one to get the venture and Amex offers for their gold/platinum/rose gold cards. Right now i have a chase freedom unlimited and an old capital one platinum card, idk what i should get next chase trifecta, Amex card or capital one venture card 😅
@Daniel_Braun22 күн бұрын
Chase cards make sense to get first while under the 5/24 rule. Then you can try out that setup for a year to see if you like it while getting those bonuses - and later on you can expand to other issuers like Capital One next and eventually Amex if those cards make sense with their credits
@drewconway713523 күн бұрын
Which program do you use to make your videos, and do you have a referral link? 🙂
@Daniel_Braun22 күн бұрын
My editor does all of the work here! Not sure what programs he uses to get these visuals and effects
@griffielliott27918 күн бұрын
How come Navy federal cards don't fit the list?
@masonbaker712823 күн бұрын
🐐
@Daniel_Braun22 күн бұрын
Thanks for watching Mason!
@edwindejesus467023 күн бұрын
Are citi thank you points different from like 5x reward or cash back?
@Daniel_Braun22 күн бұрын
The Citi Custom Cash earns 5x Thank You Points which can be turned into cash back at a rate of 1 point = 1 cent. Or they can be combined with the Citi Strata Premier where you can transfer points to redeem at potentially higher values if you know how to book award travel with different hotel and airline programs
@gsand289223 күн бұрын
How many months should I build up my credit history with while using card 1 (my Discover It), before I apply and get card 2??
@jaircaro580622 күн бұрын
Usually is recommended to get another credit card after 6 months of use with your first credit card. Your credit history would then average between both credit cards.
@Daniel_Braun22 күн бұрын
I'd say 6-12 months, whatever you're comfortable with. Focus on building good habits with card 1 more than anything else, and then eventually move on to better cards in year 2
@gsand289222 күн бұрын
@@Daniel_Braun Okay thank you for the advice! I’m actually in my third year with this discover card and no missed payments. Could I make the move? Would it hurt my credit?
@Daniel_Braun22 күн бұрын
@@gsand2892 yeah you can definitely go for the next card if your score is good with that credit history! Applying will lead to a hard inquiry and a temporary small drop in your score that goes away very quickly, and I’ve got some more video about credit score on my channel that you can check out about that 👍
@gsand289222 күн бұрын
@@Daniel_Braun thank you so much!
@billwright217622 күн бұрын
Why is the platinum rated above others??? It's not prestigious or a good card for most the people who have it
@Daniel_Braun22 күн бұрын
It’s not rated above others - the annual fee is just higher and there’s more potential benefits. Thats sort of the idea with the credit card ladder and this video - as the annual fees increase, so do the potential benefits and value. But also the potential market gets narrower because not everyone will find the card good for their situation, like you said
@Fredoom147323 күн бұрын
Why did not you mention the Citi Costco Card?
@Daniel_Braun22 күн бұрын
A fine Level 2 option to add for Costco members! I can't mention every card, and this is also a cash back focused card so there's less options with it compared to flexible point cards. Still a great card for gas, dining, and Costco!
@raywang357223 күн бұрын
How to get black card
@Daniel_Braun23 күн бұрын
I really hope someone can send me their black card to unbox and review for the channel! Would love to make an in depth video on it
@CalebKendrick-ok3dj21 күн бұрын
With the recent data breach, are you concerned about your ssn getting stolen and your credit messed up? Should we freeze our credit?
@tamarakopteva748323 күн бұрын
Can anyone confirm if the cards that have multipliers on gas and grocery work at places like Sam's Club and Costco? From what i've read, I don't think those places are eligible.
@erikk124223 күн бұрын
Most cards that are grocery stores don’t work on superstores like Walmart and target but most work on supermarkets. It really depends what they categorize their business as. For gas I use Sam’s and it does work as long as you have the cc linked to the sams mobile app and use it at the gas pump I don’t have Costco but I imagine it’s the same
@Daniel_Braun22 күн бұрын
Ususally wholesale clubs don't code as grocery stores - not sure about gas for Sam's Club specifically
@tamarakopteva748322 күн бұрын
@@Daniel_Braun What do you think about the Sam’s Club Mastercard if I can’t get good returns from this retailer with other credit cards? Doesn’t seem bad with 5% back on gas and club purchases, just wanted your input.
@XxZIMBxX23 күн бұрын
Does Amex gold work at Costco?
@Daniel_Braun23 күн бұрын
No you can’t. Costco also counts as a wholesale club and not a grocery store, so it wouldn’t earn 4x points anyway
@iFrankie.23 күн бұрын
Costco does not accept Amex.
@SOXGATORS23 күн бұрын
👍🏻
@Daniel_Braun22 күн бұрын
Thanks as always for stopping by and watching!
@Just_Stevo23 күн бұрын
Chase multipliers are complete trash. All they have is Hyatt.
@Daniel_Braun23 күн бұрын
Long term, yes I agree the multipliers are better on some other cards. Sort term, it makes sense to at least try out Chase cards because there is a ton of value on the table. Hyatt is definitely an advantage that Chase has - without Hyatt, a lot would change for the way the Chase Trifecta is viewed
@AhmadKhwajazada23 күн бұрын
First
@Daniel_Braun23 күн бұрын
You got it! Thanks for the first comment 🥇
@joshuawilliams680016 күн бұрын
Yeah, none of your followers are going to end up with a Centurion card.