These are ALL my Credit Cards - including Limits

💳 Apply for the Discover IT Card: refer.discover...
Amex Hilton Credit Cards: Apply for an American Express Card with this link. With your new Card, you could earn a welcome bonus and your friend could earn a referral bonus. Terms Apply. americanexpres...
Get $30 Cash Back Off your 1st Order!!! 💵
www.rakuten.com/r/LUKEHO139
Join this channel to get access to perks:
/ @lukespointsandmiles
If you want to help My Channel, Please use The Referral links in The Video Descriptions!
Thank You
@Lukespointsandmiles
💥Watch My Other Videos 💥
💥Best Credit Cards for 2023: • My Favorite Credit Car...
💥NEW Amex Marriott Bevy: • NEW Amex Marriott Bevy...
💥Citi Credit Cards in 2023: • 5 Reasons to Check Out...
💥Amex Delta Credit: cutt.ly/nM51j8e
💥Why I Prefer Chase: • Why I Prefer Chase Ban...
#bestcreditcards #capitalone #travelcard #cashback #visa #creditcardreview
Thanks for watching My Videos.
Advertiser Disclosure: Some of the products that appear on this website are from companies from which Luke will earn an affiliate commission or referral bonus. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

[@fogrunr5075]

Thank you for making me feel better about my 17 cards😂😂

[@LukesPointsandMiles]

Ha! The collection has grown since this video!

[@larryivey8118]

Don't fall for that American Express no preset limit on the charge cards American Express has an internal credit limit they set on them cards and if you do have 1 don't go on the app or the website and keep checking your purchasing power my best friend did that with odd high amounts and triggered a financial review with American Express

[@LukesPointsandMiles]

I hope he learned his lesson! 🤣

[@larryivey8118]

@@LukesPointsandMiles Just submitted her tax returns and thankfully didn't lie about her income and they restored everything a huge hassle but it can happen

[@LukesPointsandMiles]

@@larryivey8118 yeah I always though lt everyone knew to not use that feature too often. Everyone is curious but it could appear suspicious.

[@SpencerJohnsonOfficial]

I'm impressed you got through all these cards in the time you did lol. This was an awesome video and one I was actually about to request from you soon 😆 I'm excited to see how this setup changes over the next year!

[@LukesPointsandMiles]

I can definitely see a collection without high annual fees. Which I guess means w/o the platinum and gold.

[@SpencerJohnsonOfficial]

Don't tempt me on the Gold card lol. Hearing you talk about how annoyed you get with the credits resonated with me for sure. If only there was a cheaper way to earn MR points at the same rate! @@LukesPointsandMiles

[@MannyCovington]

Great collection of cards! I’m trying to get like you when I grow up😂🤠

[@LukesPointsandMiles]

You’ll be way better than me, I’m sure.

[@jimmyjames6492]

Nice setup, Mr. Chase Bank 🤣🤣🤣 I'm gonna try 3X AMEX Hilton CCs next year. See if we can book 3X nights at the Conrad Orlando with the FNCs. Thanks for the info + video!

[@LukesPointsandMiles]

love the conrads!!

[@brandonsaballos8684]

$407,600 total combined limit not including charge cards if anyone else was curious 😅

[@LukesPointsandMiles]

That sounds like way more than I’ll ever need. Haha

[@rred4]

What is his total in annual fees 🤔

[@LukesPointsandMiles]

@@rred4 trust me, I don’t want to add them up. Haha

[@avitmc1357]

I didn't know you could product change C1 Quicksilver to Venture X. Interesting.

[@LukesPointsandMiles]

That’s what I did. I felt like it was worth missing the bonus to have a card I might actually use.

[@sidehustlefilms8007]

Thumbs up to you for this video. Does Chase and American Express report business credit cards transactions on my personal credit reports? Experian Equifax and TransUnion? Thanks

[@LukesPointsandMiles]

No

[@kevinManhattan]

Luke, question. Do you know if you reach 35k limits on all your Amex CREDIT cards, it may trigger a financial review? I'm not worried but I heard it's inconvenience since they will shut my credit down during. Im about to go on trips and don't need that happen.

[@LukesPointsandMiles]

My limits are much higher than $35k and I’ve never had a review. Just my two aspires are $50k

[@ayman.ibrahim]

You don't have the USbank altitude reserve anymore!

[@LukesPointsandMiles]

I’ve never had that one. I’ve had my eye on it though.

[@ayman.ibrahim]

@LukesPointsandMiles sorry I got confused, thanks for your reply

[@lifewithjon6809]

Very good video i love how you break down things and sum them up.👍🏽👍🏽👍🏽👍🏽

[@LukesPointsandMiles]

Thanks for watching!!

[@lifewithjon6809]

You welcome.

[@SledgeIncTeam]

You'll be past me in a little while. Im at 34 but ill be cancelling the Business Green very soon

[@LukesPointsandMiles]

I just got a new one I haven’t talked about yet. I’ll wait until I actually receive it

[@SledgeIncTeam]

@@LukesPointsandMiles hahaha let's go! I haven't made a video on my latest one. It just came before the Meet Up

[@peterg6638]

Wow lots of cards impressive. What is your average age of accounts?

[@LukesPointsandMiles]

I am not exactly sure right now. With all the new accounts I think its under 3 years

[@peterg6638]

@@LukesPointsandMiles yeah, thats the downside of getting so many cards

[@LukesPointsandMiles]

@@peterg6638 eh, as long as my credit score is over 800 and I can always cancel some of the newer ones to bring that up. I’m definitely finished with the velocity of the last couple of year so it should be fine

[@peterg6638]

​@@LukesPointsandMilesi like the triple AAA card. Do you also get a discount if you pay you insurance?

[@LukesPointsandMiles]

@@peterg6638 I have no clue. I don’t even have AAA. Haha

[@TheCreditFrog]

Nice collection Luke! I think your setup is in a bit of flux right now between points and cash back. I have all confidence you’ll come out with a hybrid setup. And a 3rd Hilton Aspire card 😂

[@LukesPointsandMiles]

It seems like most of my 5% cash back cards work nicely with my points cards so they may stay on when I go back to collecting travel points!

[@TheAmazingDollarman]

Man, Uncle Luke™ is a heavy hitter for sure. Want to get to your level

[@LukesPointsandMiles]

You will get there. Slow and steady!!

[@brenley]

loved watching this walkthrough, luke! got a new subscriber in me for sure! appreciate your explanations and transparency and look forward to continuing to learn more from you! 🤝

[@LukesPointsandMiles]

Thanks for watching and for accepting my CC addiction!!

[@vectorhacker-r2]

I only have 14 cards, and my friends think Im crazy

[@LukesPointsandMiles]

14 is a lot for most people!!!

[@ItsMeCJ]

First!

[@LukesPointsandMiles]

🥇boom!!

[@druiz012]

Awesome Luke! You're living my dream... I'm currently at 8 cards but do Aspire for 30 one day. 5 personal 3 business... currently thinking about IHG business premier and then the Marriot Bonvoy Boundless. I want those 5 50k certs but that would put me at 5/24 until April.... 😅

[@LukesPointsandMiles]

I would jump on it, honestly. But I’m never scoured of going over 5/24!

[@Thecreditcardconnection]

I watched all the way to the end and I knew Hilton would be your last cards to show us! I love the rundown! Thanks as always for a great, NO BS video!

[@LukesPointsandMiles]

Thank you sir!!!

[@MattWelterOfficial]

Love the entire collection Luke! As my collection keeps growing, I always have people ask me why I have so many (however I'd still love to add many more & get to your level someday haha), but in reality there are so many Cards out there that can provide value in different ways, and really loved hearing about the different Cards in your collection across different issuers! Great video as always!

[@LukesPointsandMiles]

I alway try to have that underlying cash back set up in case travel changes!

[@CreditOneSux]

Adam catching strays on the daily!!! 🤣💀

[@LukesPointsandMiles]

Haha! He asked for it!

[@Jay-vt2so]

Uncle Luke posted a new video! 🎉 *Stops everything* 😎🔥

[@LukesPointsandMiles]

Thank you, nephew!!

[@TheMexican0128]

Looking forward to the Hilton videos

[@LukesPointsandMiles]

2024 there will be mostly Hilton stays and probably higher end stuff

[@MilesSpearman]

Hey @Luke's Points and Miles I was wondering if you had a video describing the scenario that you shared on one of your most recent live streams. Where you would fund your new US Checking Account using a Credit Card so you could get a Chase Sign on Bonus while getting your new checking account. I was just curious if there was like a term for how to do that.

[@LukesPointsandMiles]

It’s really nothing special. If you apply for a checking account with us bank (there are other banks as well) they will ask how you want to fund it and they accept up to $3k in funding from a. Credit card. Obviously you want to pay the card off as soon as possible.

[@akmclemore]

I'm building my own collection absentmindedly haha nice bro!

[@LukesPointsandMiles]

Thank you sir. I think if you have your core set up, strategy becomes overrated. Especially when you consider you could be applying for credit cards for 25+ years

[@FlyinRyan31310]

if you were interested, got upgraded at the hilton munich airport hotel with only gold status. awesome property, I'm assuming there are lots of open rooms normally.

[@LukesPointsandMiles]

Nice! I still need to visit Munich

[@TheJohnnyCrown]

Half of his cards are not used or he doesn’t like them, unless help for credit length make no sense or he started the credit card game in very chaotic and disorganized way. Other than that I like Luke’s videos but ge is weird on his credit card strategy.

[@LukesPointsandMiles]

Most of the cards I don’t currently use were either for the bonus or for later in the game as a separate option instead of AF travel cards. Some were valuable at the time but there is no reason to cancel. I think the end game is a no AF cash back set up and one premium travel card. So yes it looks a little chaotic but at some point everything will be in order. Also the biz cards will have separate duty as only biz spend. I think you may also consider I'm 46 years old so some of the cards I got 20 years ago, may not be as useful today but if they're no annual fee then there is no reason to cancel them. But at the end of the day, you are correct in that my credit card strategy is chaotic. I don't believe one has to analyze every step along the way. If I see a card that could be useful or has a nice bonus, i'll get it. I already have my core cards so most of the extras are just that - extra.

[@CesarJoel]

Those are some great cards and limits Luke! It a was very entertaining video to watch! Thanks for the info 🫵

[@LukesPointsandMiles]

Thanks for watching, sir!!

[@pricel3sspersianpapi]

Hi Luke I have a question . Is it true you can get the same ink card twice and get the bonus ? Using ssn number on one and EIN on the other ?

[@LukesPointsandMiles]

That is 100% true.

[@vickiarnold7300]

I have American airlines $99 annual fee, choice privilege, and ihg credit cards and a couple of cash back. ❤

[@LukesPointsandMiles]

That sounds like a good set up!!

[@DugrozReports]

Very cool.

[@LukesPointsandMiles]

Thank you sir.

[@911eVoX]

Most of your cards are not even being used! I would be closing those bastards

[@LukesPointsandMiles]

Some of those cards will be used as my strategy changes and i also keep them open in case there is a good product change opportunity. No reason to close a NO AF card that is aging nicely.

[@mostlyfreetravel]

Nice collection Like! I look forward to the Hilton redemption videos. You know you could downgrade from the Venture to the Venture if they let you and get 2 lounge visits for the $95 AF and not have to deal with that travel portal credit. Maybe worth it. That’s why I got the Venture. Just didn’t want to deal with that credit.

[@LukesPointsandMiles]

That’s a great idea. I like having access to all 4 major currencies but the VX just hasn’t really won a space in the wallet. I’ll wait to see if they take anymore benefits away.

[@drrob001]

Great video

[@DJOctober]

I love these kinds of videos! Thanks for breaking down all of your cards, Uncle Luke! As always, that song as the end is crazy 🕺 Love your content. - Ivan

[@LukesPointsandMiles]

Thanks for watching, Ivan!!

[@anon1451]

The hate was flowing through me ⚡🤣

[@LukesPointsandMiles]

Embrace it!

[@LadyALCO]

Very cool video!

[@LukesPointsandMiles]

Thank you, Lady!!

[@DCGEMINI202]

I wonder what your last amex card will b to top off the 5 card rule. Mine was the delta reserve on top of the same hilton cards you have and the brilliant

[@LukesPointsandMiles]

I feel like I might be able to push 6. But at this point I could be applying for a card that I’ve had in the past so I can challenge the once a lifetime rule.

[@DCGEMINI202]

@@LukesPointsandMiles i tried to push for a sixth and they made me cancel a card. (BBP, but they transferred the funds from that card to my hilton business card)

[@PhilMo78]

Sofi is a hard one to admit to for me. I have that one in the old sock drawer. Thanks for the video sir. That choice card is coming to my wallet very soon!

[@LukesPointsandMiles]

I can’t wait to do some choice hotel reviews!!

[@carol-wg3zr]

thanks Luke!

[@LukesPointsandMiles]

Thanks for watching!!

[@paulswanson43]

Good stuff Luke! Nice collection!

[@LukesPointsandMiles]

Thanks Paul. The collection is constantly evolving!!

[@aaront936]

Can you product change a chase freedom flex into an og freedom card?

[@LukesPointsandMiles]

In the past you could, so I’m assuming you still can. Unless someone else can add from their experience.

[@aaront936]

@@LukesPointsandMiles cool here's to hoping the 5x gas and grocery sub is still around in oct.

[@rmknicks]

@@aaront936 I just product changed my freedom unlimited so that I could reapply for it to get the SUB and the 5x groceries. The Chase person I spoke to said that the OG freedom wasn't available but YMMV

[@aaront936]

​@@rmknickswhat did you product change it to? I already have the trifecta.

[@rmknicks]

@@aaront936 I changed it to another flex. So now I have 2 flexes, the new unlimited and the CSP in my trifecta

[@ridleyjoseph7337]

This is awesome I am one of those guys that begged to hear your limits. I’m glad you actually read your comments ! Thanks for the video

[@moisesdavidarevalo5725]

How are you maximizing your Citi Custom Cash? I got curious

[@LukesPointsandMiles]

Well I can use it as a gas card and get 5X thank you points but I can also purchase various gift cards ($500 a month) to use for purchases that aren’t normally in a bonus category. For instance, my wife wanted to grocery shop at Walmart so I have a gas station here that sells Walmart gift cards 💳

[@moisesdavidarevalo5725]

​@@LukesPointsandMilesGot you! Very smart. I've heard of similar strategies with cards like the Wyndham Rewards Business Earner (or whatever the full name is lol)

[@moisesdavidarevalo5725]

Good thing is that with the Wyndham Business Earner, you get the high multiplier even if you fuel up at Sam's, Costco, or other grocery stores pumps (8x)

[@LukesPointsandMiles]

@@moisesdavidarevalo5725 nice.

[@PatNeedhamUSA]

​@@moisesdavidarevalo5725does applying for that card (as a sole proprietor) cause a hard pull on one's personal credit profile?