My EXACT Set of Credit Cards for Max Points (Part 1)

[@chaoticpanda-bb9bx]

Dude has an annual budget of 760 million dollars

[@grant9047]

Spendings thousands of dollars just to get $20 bucks back 😂😂😂

[@beomheekim9619]

😂

[@johng.5100]

U are spending an average of $1300+ per month on food between grocery and dining out. That is insanity!!!

[@TheSonyExperience]

That’s actually not that much. For a family of 3 I’m spending $750 but I am super cheap. My wife cooks large batches and there isn’t much variety to keep costs low. So families larger than that or that aren’t sticklers like me could easily spend $1300

[@Uniacoty]

$1300 on groceries really isnt that crazy especially if you are shopping at organic stores. Groceries are very expensive

[@diegog2679]

@@Uniacotyadd in some kids and yeah it’s not surprising

[@mannygonzalez4178]

@@TheSonyExperiencewell does he have kids though? Still expensive if it’s just him

[@TheSonyExperience]

@@mannygonzalez4178 I believe he may have 2 if I remember seeing him mention it awhile ago. Don’t quote me on that one

[@lakorai2]

8K in groceries per year? What do you buy filets and lobster taiks weekly?

[@Uniacoty]

You think 8k a year on groceries is alot? 💀

[@TheGreatWall22]

I mean cmon just pull out a calculator it's really simple math... $1300÷52 weeks is 153$ a week. 7 days in a week, he's only spending like 21$ a day on food. That's eating out, another 21$ on groceries. Sounds about right tbh. A lot of people will spend over 153$ a week on groceries but because they don't budget they don't even realize

[@nobom]

​@@TheGreatWall22your calculation is is off by a zero

[@AngelGraz]

​@@TheGreatWall2221 a day is crazy, most i speed its like 10$

[@lamentspace]

Have Jewish customers that spend almost $250+ a week just for groceries 💀💀

[@user-mj1hb4rq6b]

Not realistic for the average American if you look at data of what people can actually spend. Just because you might be able to afford the fees for these cards and abundant spending doesn't mean the average person can. But if you can hooray for you. There is kinda tier levels when it comes to using credit cards and it's limited to how much you make but doesn't mean it's not important to get these bonuses.

[@balbasmusic]

where’s part 2 bennnnn🎉

[@AzurinManagement]

Can you do for work from home parents.

[@user-wh1ti5cl2c]

First of all everybody needs to be nice. Thanks for the video. I am looking forward to getting the wyndam business earner card

[@KyoyaTategamiLEO]

Buddy explaining this like it’s the meta for credit cards lol

[@Dynoids]

I don't know if this content creator makes it seem like this is for the average American, but of course this is not for the average American, even if you aren't the average American then you might have a different set of cards for a different lifestyle or a different set and number of cards depending on how much you are interested in playing the credit card game. As with everything it depends.

[@MikeJohn-tb1yp]

Perfect set up

[@brayan8346]

Isn’t it inconvenient and relatively inefficient to buy gas at Mobil gas stations? I tried doing that a while back, but I noticed it was less convenient and more expensive than using a gas card combined with the location with the best price, usually Costco.

[@douglassmith9445]

You are correct. AAA advantage mixed with Costco is what I do, just because I don’t want to be locked into the forceful nature of the costco credit card

[@DillonJayasuriya]

Do you need to own a business for the business credit cards?

[@metalheadami123]

What do you use for non category spend

[@flacostarr]

He is obviously buying gift cards at grocery stores

[@noahwilliams8918]

Honestly I’d rather use the Platinum on BA. 5x on airfare beats 3x AND it’s in the points currency of your choice AND you get trip cancellation insurance. The BA card really doesn’t have much going for it besides the signup bonus. It’s like a sapphire preferred but worse.

[@TheCreditShifu]

5x isnt better than a 10% discount on transatlantic business class +3x avios though. And that is basically the only time I fly BA.

[@Mike-kl5yc]

how did you get 2 chase freedom rotating cards? also when you say that, do you mean 2 flex cards?

[@Mja094]

You can get as many freedom as you want. I personally have the old freedom as well as a Freedom Flex. I believe you can get a bonus for freedom every 24 months

[@DidIDoThaat]

Doesn't make sense. The Ccc is 5% back with a big youtuber like you, how haven't you product changed to get 2 of them is the real question? Kind of seems pretentious.

[@TheCreditShifu]

I focus on Chase and Amex systems

[@LebronCCP]

Only spend on sign up bonus

[@dylanskier]

How do you use a business card for personal gas spent? I have a small business but there’s a new chance I would be able to hit a lot of bonuses on spend can you elaborate?

[@TheCreditShifu]

Insert the card, select grade and pump gas. For things like gas it really doens't matter, no one is checking. Just remember if you want to use any insurances like baggage insurance, trip delay insurance then it did really need to be a business trip.

[@Antares_451]

Amex platinum 5x booked directly thru airline?😮 Thats a win if you can transfer the points to partner airline..

[@douglassmith9445]

You cannot most of the time unfortunately

[@quandadon5882]

Damn what are you eating

[@user-nv9ig6po1d]

Bro is spending money just for points at this point

[@Soma2501]

10c per gallon? why? this means the more expensive cost/gallon, the less % back you're getting ex. $3/gallon, you get 3.3% back effectively $5/gallon, you get 2% back effectively

[@JJ-vy2rh]

We don't have a gold card in Australia

[@TheCreditShifu]

We only cover US cards

[@hasbulla7266]

Which one do you use for a gym membership?

[@digitalbandzz]

😂😂😂

[@XxRonnie86xX]

What do you use for hotels? Sapphire Reserve?

[@TheCreditShifu]

Hilton Surpass and Marriott Bonvoy card, i generally only stay at those two chains.

[@Rumeel12708]

So why do they never talk about credit unions and/or credit union credit cards? Most credit gurus never do, ehy is this?

[@jonathanarmstrong3174]

the 2 Amex cards alone are costing you $1000 in annual fees, no telling what the others are.

[@TuNguyen-jp8ys]

peak American consumer.

[@wristfroze]

Not like he has a very blatant British accent or anything

[@TuNguyen-jp8ys]

@@wristfroze he's in America, unless UK has Walmart.

[@nl5703]

@@wristfroze That’s NOT a British accent. That’s an Australian accent. LOL

[@dennyeligon]

8x cash back on gas is great return!

[@williamfeliciano6003]

Only good if you like Wyndham hotels. But if you use citi for 5x on gas you can transfer to there partners and potentially maximum value

[@christopherdriving6425]

Wow his smart

[@douglassmith9445]

If you shop for groceries at Walmart, that gold card is useless for groceries. Essentially, if you want to spend more money on groceries elsewhere, it would then be worth getting, but Walmart has the cheapest groceries, their supercenters still have great options, and a AAA advantage card gives you 3% back on in store grocery purchases there, completely defeating the gold card.

[@TheCreditShifu]

But then you have to go to walmart?

[@douglassmith9445]

@@TheCreditShifu Walmart now has a premium “great value” style brand called “market side” and are constantly offering healthier and better foods, especially in their supercenter locations. Luckily that’s what I have next to my home, all while staying the lowest prices which yes, mixed with that AAA credit card work better than a gold amex card at any other grocery store. AAA can even offer 3% back at Costco, the only other place I’d get groceries.

[@zacharyrivera7228]

I never use a card that I have to pay to use. I only use cards that pay me to use. Will never pay over a hundred dollars just to use a Amex gold card

[@Happydeon123]

Almost 1000$ a year

[@Lucky-fu3sr]

Dam bro be buying everyday high quality steak and lobster 💀

[@williamfeliciano6003]

citi for gas unless u like wyndam motels

[@ego7759]

The Wyndham he uses for the status matches

[@williamfeliciano6003]

also idk why i didnt even knew this but amex gold business has 4x on gas?! @@ego7759

[@jrrodz77]

Amex is not worth out of the mainland. :-(

[@thedon1570]

You want a cookie?

[@kotertsenn]

Autism rules

[@TheAMEXBoss]

We love a good America Express wallet!!!! Haha

[@biffy7]

Perfect post. Thank you.

[@nimbalkarvicky9]

American Express Gold card misinformation, The card gives points only on limited restaurants, not on all restaurants. And those are very less number of restaurants where we could get points.

[@TheCreditShifu]

No, it is all restaurants, 4x on restaurants world wide on the US version

[@nimbalkarvicky9]

@@TheCreditShifu apologies I misspoke, gold card gives 120$ credits on limited restaurants and points for all.

[@TheCreditShifu]

@@nimbalkarvicky9 right, yeah the restaurant credit is pretty limited

[@joshjacob1530]

Very npc behavior

[@flippy652]

For the wyndham gas card, can you transfer those points into the Capital one portal since they are transfer partners?

[@user-cs6bt6rq4i]

No you can not. For gas maybe look into citi

[@EL-mn1pf]

8k a year for groceries!? I guess with that unibrow you’re technically eating for two.

[@TheCreditShifu]

Nope, its for 4, we are a family of 4.

[@joocatcher]

Are you a grownup that buys groceries? $167 a week isn't outrageous at all, considering it's a family of 4, it's actually impressive. And $146 a week on family dining isn't abnormal either if you're on top of finances. This guy actually provided great insight and value, and you contributed an unfunny and off-topic remark

[@EL-mn1pf]

@@joocatcher Hey, take it easy tough guy.

[@johnwebb2943]

Pro tip sharpen the Apple Card and shave your unibrow 🦭

[@christianhunters9281]

You don't have Costco card? Gas should be bought from Costco

[@TheCreditShifu]

My nearest Costco is 1 hour away, not worth it.

[@michaelmikhail2854]

Same setup except I have delta reserve instead of British airways

[@m4.hugo.426]

You should use your wyndham for utilities as well. Are you actually using your points for wyndham hotels?

[@user-cs6bt6rq4i]

Yea he stated I he used them for Vegas only. Because of the benefits 🎉

[@williamfeliciano6003]

One word chase. …

[@De_Guatemala]

No Freedom Unlimited. I just cancelled mine, because 2% is a minimum. 1.5% is out of date and insufficient.

[@carrot_mafia]

no point to cancel a no af card

[@Augie..]

@@carrot_mafia this is the way, OP is just an idiot and wanted to cry

[@thedon1570]

@@carrot_mafiawell they cancel the card after awhile of no use

[@alexanderjackson7815]

Should’ve kept it for history

[@yinhuili]

So many credit cards.... so many annual fees. Yeeek

[@ps31871]

Brooooo 13k on dining? Lmaotell you wife to start cooking or find yourself a wife who can cook damnnn

[@ccb6013]

This is something a broke dude would say.

[@ps31871]

@ccb6013 lmao broke dude? If you are spending that muchoney dinning out you have some problems that you cant cook a basic meal...

[@man-by9iz]

@@ccb6013I learned from rich ppl u don’t gotta be poor to be frugal but eating out is not healthy all the time

[@alexandrasvdavis]

Why 2 freedom cards?

[@DugrozReports]

More bandwidth (quarterly categories are capped)

[@goals9535]

What can you get with 65k points?

[@alfredoleiva5522]

One way business class flight.

[@TheCreditShifu]

I got a United Polaris flight from London to NY with it

[@goals9535]

@@TheCreditShifu that's nice!

[@andyburris2555]

This going to sound weird but this is really impressive. I always assume natural creators (and myself to be honest) benefit a lot from fat so 18 inch arms shredded is insane!

[@lostluv718]

This is a horrible set up lol

[@TheCreditShifu]

Can you elaborate?

[@lostluv718]

@TheCreditShifu maybe I was a bit harsh lol But for starters you should get you a custom cash card for gas so you can get 5% back on it. That platinum card is a bit rough also bit to each there own.. Still appreciate the content Have a good day homie

[@williamfeliciano6003]

@@lostluv718no I think he has. There’s a video out there him explaining. I think he’s just making vids to expand people’s card setup. But I agree if u like Wyndham then sure but if u want to maximize your points then get citi to transfer to travel partners

[@lukehoberg9158]

​@@TheCreditShifudoes the 8x points for the Wyndham car work for diesel? I read some forms that since they read the code for the fuel station it all depends on how things are coded by the credit card companies. Was hoping you would know or could try it out. Thanks

[@CryptoXmen]

Spends $10k on dining but $100 on clothing 😂

[@none3988]

I don't own a credit card and I have no debt that's how you live your life

[@beezytalkingshit9319]

You use the Gold card and get 3x the points on flights and throw the platinum away cause that's $695 a year. You could save that. Cause you said you only use it for Walmart + subscription and flights. Unless you're flying once a month.

[@parth7092]

He said he gets the Walmart+ subscription for free using the Platinum card. The Platinum card has a bunch of other credits that make it worth to use. You get free Uber/Uber Eats ($15/month) + $20/month on streaming services. Walmart+, Uber/Uber Eats, Streaming services alone account for $518 of the AF. On top of that, he is probably using TSA Global Entry and CLEAR, which will cover the rest of the fees. And we haven't even gotten to the flight credits yet. Amex Plat benefits far outweigh the fee.

[@dennyeligon]

8x cash back on gas is great return!

[@williamfeliciano6003]

Only if u use Wyndham and stick to one currency. If u get citi u get 5x and can transfer to any travel partner!