My Credit Card Plan & Strategy For 2025 | Time For A Change

[@lewis20002000]

If you stay on top of the monthly door dash $25 total credits together with the $300 travel credit, the CSR is pays for itself. When the 2X on groceries, 3X on dining, and the spend or buy status option going to make Bilt a bigger part of my strategy along with paying my rent.

[@joshlee1917]

Ooooooh... if that BILT card can be used to pay my mortgage and get me points, I am for sure getting it. Thanks for the video.

[@JamesKing-wm8ep]

Nice plan for next year. Good video

[@Spend.Earn.Travel.]

Thank you!

[@Anthonyjones-pq4ff]

You have a nice set Up Have question is it best to Down grade a card Vs Up grading a card . I product change from CO1 Savor card by accident to the CO1 quicksilver card can you switch back to the savor card is my question . Really like that card even with a low CL of just $300.00. That rite $300.00 I know

[@pointsdexter73]

You can use the CSP as a dining card for 3x. Better than 2x with the VX. Thanks

[@daw7773]

Citi custom cash offer 5% cash/thank you points for the highest spent category up to $500 and I use Citi custom cash for exclusively restaurant spending.

[@Kgt112]

I’m considering upgrading my CSP to the CSR, especially since my home airport is opening a Chase lounge in early 2025. However, I won’t be eligible for the signup bonus for another two years. Would you still recommend upgrading without the signup bonus?

[@Spend.Earn.Travel.]

I would probably upgrading to get that lounge access along with the additional perks and benefits the CSR brings. However, it does depend a little bit on how much you spend on the card. If you can spend up to the total of the sign up bonus, then it's definitely worth upgrading. But if you rely on the sign up bonus for a majority of your points, then I would probably say wait it out

[@fogrunr5075]

@@Kgt112 I made that upgrade without a bonus, and the Sapphire Reserve is easily paying for itself. Sometime next year I may go for my first Sapphire bonus.

[@Anthonyjones-pq4ff]

You have a nice set Up Have question is it best to Down grade a card Vs Up grading a card . I product change from CO1 Savor card by accident to the CO1 quicksilver card can you switch back to the savor card is my question . Really like that card even with a low CL of just $300.00. That rite $300.00 I know

[@Spend.Earn.Travel.]

Thank you! Upgrading and downgrading is more about which options better fits your current needs. Upgrading can be a good option if you need the benefits the higher card offers, and downgrading can be great if you want to keep the account open without paying a higher annual fee.