The 6 Credit Cards You NEED in 2024

[@johnfocker1487]

Everyone should be warned: Redstone's Visa signature card is now only available to Residents of Alabama and Tennessee! Just got denied and I did not see this requirement listed! They said it was a recent change

[@joshua.butler]

RIP. Thanks for sharing. 😢

[@TheCreditFrog]

Great video, Josh! As you know, I LOVE my (somewhat) new USB AR card. It's been such a seamless integration into my life, and redeeming the rewards using RTR is super easy! Great to know about the Redstone FCU card! A potent sleeper card for sure!

[@joshua.butler]

Thanks Stan! I'm glad you're liking the USBAR.. I gotta figure out my credit card roadmap for next year and see if it's a card I want to get. And yeah, Redstone is looking pretty lucrative... I'd definitely be picking it up if I didn't have other cards that satisfy those categories.

[@KevinYang]

Maybe it's time to dive into the US Bank cards myself! The Bilt is actually amazing for living in a HCOL city.. too bad they don't have major welcome bonuses! Also the tiny typo at 6:28 🙂 Awesome video as always Josh!

[@joshua.butler]

Yeah that’s definitely where Bilt shines! Ugh, dude, I can watch my video over and over again to try and fix the issues and there will STILL be something jacked up. 🤣 Thanks Kevin, I appreciate you

[@KevinYang]

@@joshua.butler Extra engagement from people commenting on that 😉

[@MontyTheCardNerd]

Awesome overview of some great cards! First time learning about the Redstone Federal Credit Union card, it's now firmly on my radar. Also shoutout to the person who chimes in every now and then for "her" insightful questions.

[@joshua.butler]

Thanks so much! Hahaha that would be Jossica 👀👀👀

[@H_Kim]

Redstone is indeed a hidden gem!

[@joshua.butler]

Sooo good!

[@mezcxl]

Currently rocking with the Amex trifecta and I gotta say the Amex gold gets used and abused month after month. I get so much value from it so that’d have to be my top pick.

[@joshua.butler]

The Amex Gold really shines when it gets some heavy use 🤑

[@MattWelterOfficial]

Love the video Josh! I'm personally hoping to add the Venture X this year and love the simplicity with how easy it is to get Value>Fee. The U.S Bank Altitude Reserve is also soooo underrated so love the coverage on that one as well.

[@joshua.butler]

Thanks Matt. VX is definitely easy to justify. I wish you luck on the application! 😍🤞

[@TheZombaslaya]

Venture X! Though that altitude reserve is tempting...

[@joshua.butler]

Yeah it really is tempting… I may consider picking it up next year!

[@mikegoodwin2386]

Citi Custom Cash is my gas stations card when Chase Freedom Flex and Discover it Cash Back don't have gas stations as one of their 5% categories that quarter. When they do, I use the Custom Cash for something else that's not being covered, like groceries.

[@joshua.butler]

Nice plan!

[@Ritchie_The_CEO]

Wow! That Redstone card is crazy. 😳

[@joshua.butler]

I'd scoop that thing up in a heartbeat if I didn't already have cards that got me 4-5% in those categories.

[@AnthonyVenture]

6:38 Something looked so trippy about this I don’t know why 😂😂😂 Lenny heading out to the Maldives, let’s go! HOUH? Redstone HOUH? Josh, you’re the king of Credit Union cards wow!!

[@joshua.butler]

It was just Jossica bothering my while I record my video 😋 🩴😸🏖️ Dude that Redstone card is sick... 🥰🥰🥰

[@derrickmatthews4682]

Great video. I appreciate you breaking down how to get the value. I'm not sure if many can meet those last few examples tho haha but 4.5c return is amazing

[@CallMeLani]

Its gotta be the Amex Gold card for me. Although the BILT Card has been a pleasant surprise in how easy it is to get points which I can double up with my Chase cards. The other cards you mentioned don't work for my setup, but Good video and great explanation of the various options

[@joshua.butler]

Gold is great for those who can make good use out of it! I agree Bilt has been nice…hopefully they can keep up the momentum 🤑 thanks Lani!

[@sfiedler015f]

Alice loves it!

[@joshua.butler]

👼

[@hoopiebird]

Gave a like for the cat.

[@joshua.butler]

Lenny says thank you!!! 😻

[@412foto]

fun fact about the Bilt many also don't know...electric and gas bills can be paid via ACN just like paying your rent...thereby not hitting your credit limit, avoiding any sort of credit card processing fee with those utilities that also many times don't accept credit cards, and earning the 1%. Obviously not a lot but better than 0!

[@majiklantrn]

I also pay my HOA's and cell bill. Anyway to get points.

[@Edmuresrampantmanhood-dp3jd]

That's a good way to get your membership revoked (It's in TOS), it also didn't work for me (Results will vary based on utilities provider). It's also a 3% fee at most to use cc, so the US bank cash+ will end up netting you 2% off the price of utilities.

[@412foto]

@@Edmuresrampantmanhood-dp3jd there is no fee because not using credit card but the ACH account number. I have done it for 12+ months and no issues.

[@richsamuel2922]

I like the CSR.

[@joshua.butler]

CSR is good. The nice thing about it is the travel protections are among the best available.

[@terrelmoss1444]

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[@joshua.butler]

Love it, thanks!

[@ridleyjoseph7337]

You Flying out of Newark means you from Jersey me too. Born and raised !! 💪🏾💪🏾

[@joshua.butler]

Hell yeah dude, same here! Been here my entire life.

[@get2dachoppa249]

Not always. I’m from the NYC, but I fly United out of geographical necessity because of all the overseas locations in Asia/Pacific Islands I have to get to, so it’s to Newark I go vs the far more convenient JFK. At least I’m good status and the Polaris Club makes the trip to Newark less painful.

[@ClaritySZN]

Josh, can you make a video telling us what cards are best for the first credit card you get? Im 23 looking for my first credit card. Thanks

[@joshua.butler]

Absolutely!

[@axelgonzalez9687]

The capital savor one is op

[@joshua.butler]

Yeah it’s pretty sweet!

[@mrduckman225]

Bro great video but can you please take the knock out. I'm doing chores while watching this and checked my front door 3x before I realized it was the video lol

[@joshua.butler]

LOL. Thanks, and yeah I’ll take it easy on that 🤪

[@echo021]

Miss your vids!

[@joshua.butler]

Thanks so much for the support Alexa. I'll be back, I promise!

[@dabraarjun]

Can you share your thought on this ? If we assume each amex / chase / capital one point is worth 2cpp then it would make sense to use flat 2% back card compared to USB AR 4.5% Flat 2% like amex business plus or venture x I do agree USB AR is great for cashback Thanks for the video!

[@silasdee7865]

Citi Custom Cash is great to be used for gas station only!

[@joshua.butler]

Absolutely!

[@insidethebnb]

The places I patronize, which isn't many to begin with, don't accept mobile wallet pay on the USB AR! DAMN YOU, Walmart, Home Depot!

[@joshua.butler]

I’ve noticed that at Home Depot too…what’s their deal? 🤔

[@anjoguerreira]

What about best prepaid debit card from kids and students use atm?

[@Channel-io5ni]

If you have the Costco Executive membership, which gives you 2% cashback), and then you pay with the Citi card, you effectively get 4% cashback at Costco. So, it might beat out this redstone card if you don’t shop at other warehouses

[@joshua.butler]

The nice thing here is you can pair that 2% cash back from the executive membership with the card of your choosing.

[@H_Kim]

I wanted to have some relationship with USbank, but it seemed they don't accept new banking customer living in PA.

[@joshua.butler]

Wow. Did you try opening their checking account? 🤔

[@H_Kim]

​@@joshua.butler yes, and my application ended up with some error. I am wondering if they will be accepting my future application for AR

[@Pnoy_ink]

Can you use bilt to pay your mortgage or just for rent???

[@KesGaming]

Only rent for the moment.

[@hanchardjo]

Redstone visa do you know what count as discount store ???

[@brenley]

we need more Lenny content. what's in his wallet? is he in pop-up jail? we must know. great video Josh, as always!!! :D

[@joshua.butler]

He actually has a better credit score than 73% of Americans! I’ll be sure to get him more on screen time, although he DOES charge a pretty penny for his cameos. 😻

[@lisaco1]

Where did you go ? josh

[@fazeranchdressing9896]

Fire video bro

[@joshua.butler]

Thanks so much 🤩

[@545group]

It’s surprising that the Redstone card hasn’t gained more popularity. Its like a well kept secret 🤫

[@joshua.butler]

I know right??? 👀

[@frankbradford9616]

what happens if you do not modify your selections for the upcoming quarter? will it stick with your previous selections or will all your purchases drop down to the 1% cash back level?

[@joshua.butler]

For the Cash+, you need to select your categories each quarter or you only earn 1%. They let you select the quarters categories well in advance.

[@frankbradford9616]

@@joshua.butler thank you. Super quick reply. Great video.

[@msaylorBTC100M]

$0 AF card that transfers to Hyatt & AA? Bilt is the rookie of year while Venture X is the MVP

[@joshua.butler]

🤑 accurate!

[@abandonedfilms4656]

If anyone here can answer but is it worth credit freezing or paying a monthly subscription to a credit company to get more in dept into your own credit and able to lock it so if say u want to see if u get approved or not it won't affect it with a hard inquiry? I don't currently pay to see anything extra on the main credit companies or have access to freezes or locks.

[@joshua.butler]

Credit freezing is completely free. If you create an account on experian.com, equifax.com and transunion.com, you'll be able to freeze and unfreeze your credit through those individual reporting agencies. Once you get your accounts set up, freezing and unfreezing are immediate. You can also pull your credit reports from all 3 reporting agencies from annualcreditreport.com

[@paulnguyen5609]

Nice!

[@joshua.butler]

🥰

[@lilcraftkid]

Redstone card looks cool but it's 2 points per cent.. it's 2.5% on gas and food.

[@joshua.butler]

Yeah, it is 2 points per cent, but you earn 10 points per dollar spent on gas & restaurants. The cash back percentage they advertise is accurate.

[@lilcraftkid]

Ohh! 😳

[@joshua.butler]

I don't know why they have to make it so confusing lol

[@echo021]

@@joshua.butler is this the same for the wholesale clubs? I want to maximize my costco spending and it says 3% for wholesale clubs so wondering if it's it's 3 cents per dollar for that category

[@joshua.butler]

@echo021 yeah it’s 3 cents per dollar

[@anhnguyenhong8770]

Ngay bay gio. Dont challenge me anymore.

[@joshua.butler]

If you had to pick only one, what would YOUR favorite card be for 2023???

[@Leoprieto74]

If I can pick just one? …. The beautiful Amex Platinum,…. And 2nd choice will be the Chase Sapphire Reserve.

[@joshua.butler]

@@Leoprieto74 I like it! I'm thinking of picking up the Platinum at some point in 2024.

[@drewbny78]

bilt no af and great multipliers and transferrable points

[@mikejames7684]

The red stone card is insane. I think I have too many hard inquiries to apply though.🎉

[@joshua.butler]

@mikejames7684 yeah it has some incredible multipliers 🔥🔥🔥

[@dc5duben96]

target is considered warehouse or grocery?

[@joshua.butler]

Neither. Target is generally considered a discount store or something of the like. I personally use the Target Red Card debit card for Target purchases.

[@suncat9]

Although the Costco Visa gets 4% cash back on gas rather than 5%, the gas at Costco is MUCH less expensive to begin with compared to the vast majority of gas stations. Therefore, the Costco Visa is by far the best card to buy gas with (provided you have a Costco membership and buy the gas at Costco).

[@joshua.butler]

Yeah, I agree that Costco gas is the way to go. However, you can use other credit cards to purchase Costco gas as long it’s a Visa.

[@qcman2000]

R.I.P. USBAR (for now anyway).

[@joshua.butler]

😢

[@crystalcokeley9041]

❤

[@joshua.butler]

😍

[@ItsMeCJ]

I’m first 👀

[@joshua.butler]

I can’t find the 4th place medal in my emojis so I’ll just leave this: 💩

[@AnthonyVenture]

@@joshua.butlerI can’t believe you guys aren’t friends anymore.

[@joshua.butler]

@@AnthonyVenture 🤷‍♀