Unboxing The $10 Million Dollar Invite-Only Credit Card: The JP Morgan Reserve

Unboxing the new invite-only JP Morgan Reserve Credit Card Card, formerly known as the JP Morgan Palladium Card - enjoy! Add me on Snapchat/Instagram: GPStephan
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Get $50 off for a LIMITED TIME with code ThankYou50 - The Real Estate Agent Academy: Learn how to start and grow your career as a Real Estate Agent to a Six-Figure Income, how to best build your network of clients, expand into luxury markets, and the exact steps I’ve used to grow my business from $0 to over $125 million in sales: goo.gl/UFpi4c
Some background on the card: Typically, in order for people to be eligible to receive one of these, you need to be a JP Morgan Private Bank Customer with more than $10,000,000 in investable assets. This places it as one of the most exclusive credit cards available.
Originally this card was branded as the JP Morgan Palladium Card, and..if you couldn’t guess…it was made out of Palladium. At current value, just the precious metal value of the card ALONE was worth $1000. However, when Chase launched the Chase Sapphire Reserve in 2016, JP Morgan Palladium Card Holders were a little upset…the Chase Sapphire Reserve held ALL the benefits of the JP Morgan Palladium Card, for a fee of only $450…and the Palladium Card’s fee was $595.
So in 2017, JP Morgan discounted the Palladium Card, and simply rebranded it as the JP Morgan Reserve Card. Same thing, different name, and they lowered the annual fee to $450 to match the Chase Sapphire Reserve.
On the surface, the benefits of this card are nearly IDENTICAL to the Chase Sapphire Reserve. They’re both a $450 annual fee, they both give you a $300 annual travel credit, they both get 3x points on travel and dining, they both give you complimentary lounge access…I’d say overall, these are the same cards. Except, I got this card for a few reasons:
1. I had the opportunity to get it, so now I get bragging rights ;)
2. I also get 60,000 points by signing up and spending $4000 in the first 3 months, which I was going to spend anyway, so I value that at approximately $1100 in free travel.
3. I also can get the $300 travel credit in 2018, and then again beginning in 2019…so that’s another $600 in value
Hope you enjoy the unboxing!
For business inquiries or paid one-on-one real estate investing/real estate agent consulting or coaching, you can reach me at [e-mail]
Suggested reading:
The Millionaire Real Estate Agent: goo.gl/TPTSVC
Your money or your life: goo.gl/fmlaJR
The Millionaire Real Estate Investor: goo.gl/sV9xtl
How to Win Friends and Influence People: goo.gl/1f3Meq
Think and grow rich: goo.gl/SSKlyu
Awaken the giant within: goo.gl/niIAEI
The Book on Rental Property Investing: goo.gl/qtJqFq
Favorite Credit Cards:
Chase Sapphire Reserve - goo.gl/sT68EC
American Express Platinum - goo.gl/C9n4e3

[@dafuq3072]

This man called me broke for 10 minutes

[@harleyabbott2624]

@alex Cooper hes is 28 and a real estate agent

[@harleyabbott2624]

@alex Cooper dont be a fucking weirdo

[@ImNotOceanz]

alex Cooper or he’s being smart and saving his money. Using credit cards is better than debit because it’s not your money.

[@DuhByrd]

@alex Cooper he's sold over 125 million in realestate what do you mean he's broke?

[@DuhByrd]

@alex Cooper you're right. Anyone who sells 125 mill of anything through a company or otherwise must be broke. That reasoning is probably why you and I dont sell things. We're to smart to get caught in the corporate rat race. Nice convo at the water cooler man, but I'm still on the clock, I gotta get back to work

[@sandsy2248]

I’ve got a subway card

[@GrahamStephan]

my favorite

[@ryansmifh]

Sandsy ill buy it for .50 on the dollar

[@rawbrob1079]

That's Pimp

[@ericmorreo1614]

Ive got an old burrito card for a place nearby almost gonna get my free burrito after two more purchases

[@prihaps]

Cool bro! Ive got a library card.

[@chevypaige2445]

Wendy’s gave me a card for free meals because they messed up my order, we’re basically twins

[@esmeraldapimentel8212]

Iconic 👏🏽

[@nellyosetrov1199]

yo Chick-fil-A gave me on of those ! triplets !

[@michaelnieter990]

Lol

[@pistool1]

I don't have any card, not even an ID or a debit card or a SIM. Why bother. Think about that! Ähäkutti poijjaat.

[@superduperjoi6800]

Omg 444 likes and 4 comments minus mine Screen grabbing this and tweeting it to wendys .@blackgirlsforyang

[@BlongTreyLo]

My aunt won the lottery back in 2015 and she had a centurion card 2 years later. One time she came to visit on the holidays and we wanted to take her to a nice restaurant but when we got there it was all booked because it was the holidays. Then she whipped out her black card and call the service number and the man on the line called the restaurant. Like 6 minutes later the staff told us to come down over to a table for us. We were were like wow and my parents just kept talking about it during the whole time while looking at the menu. It was kinda dissapointing too because that was all they talk about through half the dinner while I sat there eating and just listening lol ...

[@joejohnson7194]

Wow, is there any idea on what exactly service she used? Like, was it the banks concierge and they just said “our client is a black card member, sir her” I’m really interested in this benefit if you could shed some light.

[@Krogdalo]

@@joejohnson7194 Black Amex owners have a so called "Relations Manager" - just whip up that number and voila.

[@btjohnns]

@@joejohnson7194 I don't know specifically but with the higher end black cards you get VIP access to lounges and elite places like restaurants and airline lounges (can get through first class ticket for ex.) so she probably had a VIP status that worked for this particular restaurant

[@b3njaminwong]

Amex platinum and centurion cards have access to the centurion concierge, very polite agents that are ‘do-anything agents’. Very nice and polite people. Oftentimes at certain restaurants, they have connections to managers and those who seat people and can pull strings like this.

[@Tony007corp]

Worked at a fast food chain that had a cult following. One time someone came 30 minutes after we closed and we told them we were closed. 20 minutes later I get a call from our regional to stay with an employee and serve this individual and Over time (which is a Nono normally) was fine. So why jump trough all the hoops? This guy had some sort of high end visa and basically called his lounge, which called my employer and told them A. It’s the fine print of their agreement with us in order for us to take visa and B. If we wanted to keep taking visa that it would be in our best interest to do this.

[@Urelob]

I just got approved for my first credit card! $500 limit babyyyyy watch out

[@GrahamStephan]

Congrats!!

[@kedrickszn.7943]

Ashley Berniche My first was $10,000 limit .

[@Urelob]

TLG Kedrick ツ wow aren’t you just the coolest guy

[@krishverma4410]

TLG Kedrick ツ your probably lying cuz usually credit card companies start you off with at 500-1000 credit card line to make sure that you are responsible and pay it off in time.

[@kedrickszn.7943]

Krish Verma no I have a 790 credit score

[@Username-it8co]

I don't wanna brag but i got a best buy Card

[@louisvilletech7765]

Norbert gtfo

[@adamrichardson6918]

lmao, that was good! When I was in my early 20's that card took me to the cleaners....life is good now.

[@Kim.firsttimemomlife]

Louisville Tech 😂😂😂

[@car24dude]

I’ve got a Donald Trump bank card.

[@Wetheuntitled]

Yep and with that you get 10% back on the first day and after that you get 5-6% back in rewards or 0% interest 6, 12, 18, or 24 months financing. - fellow Best Buy employee

[@riteshpatel4767]

When you got so much money that your card physically gets heavier

[@abrahamvinod9804]

@Roel The allmighty yeah the people at the airport get really pissy and try to interrogate me whenever I bring my money suitcases

[@Di3ago]

I have my card on Apple Pay so isn’t physically

[@carljones4704]

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[@joekate6548]

@@Di3ago I bought a cc from *davieshacker* on telegram best vendor I know and very trustworthy. He sell cc,fullz,Bank,Drops,and Dumps 🥰🥰🥰

[@hunterchase9387]

I saw people talking about * Cardermanager2* on telegram, I don’t believe it until I tried it and he’s legit and good, got my dumps as fullz immediately bank logs after payment

[@moefromdagrieve]

Me: searches for the cheapest credit card KZbin: here you go

[@iconmusic9381]

This is me in my KZbin channel right now

[@lamprosvlx8596]

@@sandimarielavati2354 scam

[@theexpierow8951]

Cheapest credit card? Wouldn't that just be any credit card with 0$ annual fee?

[@Critical_Corey]

$10 M card? I dont even have a green card.

[@carson911]

Build the wall

[@karimchallouf3672]

I dont even have a card

[@cherrypadilla6176]

Oh my god lol

[@Beetwate305]

C G never gonna happen

[@chiptunerat]

yikes

[@GrahamStephan]

Weird flex but ok 🤔

[@BooBooTroyy]

Graham Stephan 😂

[@SS-cc2cv]

One of the few actual applications

[@TheStrengthPot]

Peculiar boast but alas

[@mesta9997]

@8:19 please expand on Downgrading a Credit Card to remove annual fees

[@alexandermendez9013]

This is a standard flex

[@surrounds]

Not bragging but i have a blue eyes white dragon card, dont mess with me

[@mrbitty3600]

DARREN Hassan wow

[@elonmusk5245]

So much better

[@rolandhafner2695]

Geeeeez

[@cryptogf]

i have 3 of them >_>

[@kindertingui2826]

@@cryptogf i have 5 of them

[@adambruno1188]

I've got a 1st edition, holographic charizard card.... in perfect condition. In fact if you open it's case, you can enjoy the smell of 1999....

[@faye_isc]

yeah HMMMHHSHSJS , HOMOFOBIAAAAA , awesomeeeeee 🤣🤣🤣🤣🤣🤣🤣

[@darnellsimmons119]

is this still available

[@anshulshah1219]

That's very expensive and is still appreciating amongst fans. But have you verified it?

[@rap1dequal1zer77]

Wish I had a damn time machine for 1999

[@GellyGe3666]

thats worth 20 mil bro

[@jonny5777]

My dads friend used to use his credit card for business expenses. He now has enough air miles to fly him and his family (20 people) first class to America several times a year for the rest of his life. Smart guy.

[@GrahamStephan]

All about the points!!

[@FinessaryBob]

Now the $450 monthly fee pays for itself from the profit made from this KZbin video. Genius

[@insertfunnyname3478]

kiratz123 It was an annual fee

[@sahankodagi2963]

@@insertfunnyname3478 I just stuff my money under the mattress

[@teesquare7627]

Yep esp as I am watching in 2021

[@TeamSoBrokesTCG]

*Drops Debit card, someone picks it up and runs* Me: Boi if you don’t come back here with my $1.36 😂

[@pimpinisanoncontactsport2096]

😆😆😆😆

[@moefromdagrieve]

Lmao u made my day

[@Snusnu2977]

🤣

[@mayaruby8533]

😂😂😭😭

[@randysookra4734]

😭😭😭😭

[@kanuegwu]

Year-over-year inflation stood at 6.5% in December 2022-the lowest that figure has been in more than a year. Inflation was in line with what economists expected and gave many of them a reason to believe that the peak of inflation may be behind us. I have approximately $150k stagnant in my port_folio that needs growth. What is the best way to take advantage of this downturn?

[@joacoagosto]

You have more credit and financial credibility than Argentina 😂

[@munchkineatsalotvent9899]

I always wanted to go to Argentina

[@vivivivivivi]

@@munchkineatsalotvent9899 Don't. I'm from Arg. Tourists get robbed and killed. We have nothing special.

[@fabianbach2615]

@@vivivivivivi bruh xD

[@vivivivivivi]

@@fabianbach2615 Why would anyone want to set foot on a socialist shithole? Just a warning lol

[@johansanchz]

LMAO!!

[@rooney4231]

5:16 Did he say “Service protection?” So for 10 million dollars you can get Agent 47 to guard your Espresso machine.

[@azmodanpc]

From people stealing the 20Cents coffee pods!

[@Fountoukas]

Strange that it doesn't come with a Bugatti inside the box..

[@GrahamStephan]

I wish :(

[@viralpop1586]

That is strange lol

[@enixine1266]

or a Dodge demon

[@MrThevideomaker21]

I just came to see what my card gonna look like in the future.

[@MultiTena]

Me too🥰🥰🥰

[@cdc1544]

I have a McDonald's gift card I found on the ground behind a gas station bathroom toilet with 39 cents on it😏😎 (yea ik be jealous sweetie)

[@GrahamStephan]

;)

[@MrBuckaroo2014]

I have an Outback Steakhouse gift card I forgot a had in my wallet from Boss's Day.

[@enigma1863]

Thats some serious flexing.

[@al821]

I found a Cheesecake Factory card with 50 dollars.

[@bdbd-jg5le]

Young Savage your so lucky omg I wish I was you

[@SuperFilmyGuys]

idk why im watching this lol

[@GrahamStephan]

Welcome to the weird part of KZbin lol

[@JennyLee55]

Right? Lol

[@theobserverism]

I clicked on it now I'm stuck watching it 🤷🏻‍♂️

[@robert_iacob]

Nick Venice knowledge

[@PrettyboiTokyo]

Same thing i ask myself when watching your vids

[@shaunlagassa234]

I've been introduced to a whole new things... credit card hype beasts🤦🏼‍♂️

[@GrahamStephan]

:O

[@ybkmo]

😂😂😂

[@wolfsden6479]

XD

[@Tata-iu3fy]

😂

[@mrruntz5479]

Like shut up dude just wanna see it

[@Syn]

does this mean all ur expenses should be charged on this card? maybe to get the benefits etc (obviously while still paying right in time)

[@denassyl5346]

For some time, then you should down grade it to reduce the yearly amount you pay to keep the card. If the benefits balance the amount of money you pay for the card annually, no need to down-grade but that doesn't usually happen.

[@denassyl5346]

You also get benefits, so it's best to charge everything through a credit card. A credit card isn't evil, but actually good if you pay in time.

[@f1machka]

Doesn't look like a credit card to me usually they have numbers, show the numbers to prove it's not fake

[@GrahamStephan]

😉

[@spacedoritos]

And the 3 digit code on the back

[@DONK8008]

Don't forget the billing address, need to make sure thats real and not made up too.

[@victorvargas9111]

🤔🤔🤔🤔🤔

[@chicofromph33nix64]

What's your social security number

[@DailyCOD4]

Smart move by JP Morgan... rich people love things they’re told they can’t have.

[@GrahamStephan]

HAHAHA it's the truth

[@GrahamStephan]

Rich people want things their rich friends don't have ;)

[@vanessamarin3983]

Rich people problems 😂

[@787brx8]

@@GrahamStephan I have A kitten with eyes like Vin Diesel in the Pitch movie. It's not for sale but you can see A picture of him on my page.

[@DJSHaKa]

@@GrahamStephan I am getting so sick of these politically correct comments.

[@SamAkaVlogs]

For a 10million card I would expect an 18k Card inside a leather case.

[@LankyLiam]

Sam Aka Vlogs ikr

[@seanjr3024]

Sam Aka Vlogs why 18k? Why not 24k with diamonds shaping out your name and a ruby color chip scan

[@victoriakim7686]

Exactly

[@Campos2011]

@@seanjr3024 24k is too soft of a metal, 14k would be better suited to repeated use and less likely to bend. Although I do understand what you're saying.

[@seanjr3024]

MidwestTuner your right 14k gold is only 58.3% pure gold the rest is sum other strong material and it would be better but if they did 24k its more of something you keep as an award and hang it up I wouldn't expect money to be on it cause the value plus the amount of money on it if something would of happened like stolen or lost it would be a millionaire nightmare😭

[@Robert-fc9xz]

Me: *drops this card* Me: *picks up a megaphone* Also me: Oops I just dropped my... ahum... *JP MORGAN RESERVE CARD*

[@AP-zq8ky]

Great graham u wanna pay off my student loans on your card you'll get lots of points. Your desk says do epic stuff

[@ronlyon4645]

yea graham, pay my tuition too!

[@Paul-fp3qn]

@Allison Parker Is it your 'special friend' that you give 'special gifts' for money?

[@AP-zq8ky]

@@ronlyon4645 no I asked first

[@VeganinVeganin]

A P he didn’t go to college you need to see his old videos.

[@AP-zq8ky]

@Allison Parker with what

[@mikeylikesit9568]

My man graham gets a 10mill credit card and calls it a “subtle flex” lmfao I like this guy.

[@gevm4645]

Graham the type of guy that out-flexes other KZbin’s Lamborghini flexers with credit cards

[@GrahamStephan]

Everyone has a Lambo now. But I think I’m the only KZbinr with this 😉

[@G3r4pro]

The humble flex is the bigger flex

[@javierocasio1242]

This is awesome! Not a flex man, I can see the "achievement" in your eyes. Life goals are different from person to person, I see you just completing one of your goals! Congrats, now I want to know how to join this exclusive club too. Eventually, as I am just starting on my journey.

[@kennyguevara6277]

How is your journey so far?

[@javierocasio1242]

Further from where I started. Made some bad choices and living with the consequences. But working on improving. You? @@kennyguevara6277

[@NautAlp]

Hmm I should try to get that card *Checks Balance* 0.03 cents Well rip

[@GrahamStephan]

😢

[@ariannarivera8629]

Alp Gez if this ain’t me

[@KingBolden_84]

😂😂😂

[@vercillies6606]

😂😂😂😁

[@duckboy2202]

I have 0.35 cents total Not a joke

[@kbhasi]

2:14 KZbin's algorithm did actually push this video to your non-audience…

[@GrahamStephan]

AMAZING

[@HMarieThomas]

Yup

[@Msfili]

I only watch thrifting and beauty videos and here I am watching the whole thing lol

[@karenpiris]

yeah.... awkward

[@factophile2.6mviews81]

Fuck KZbin go watch my video bitch

[@kcroeder]

Can you pay my college tuition off? Sincerely, a non 10M credit card holder

[@shadowspire]

Yes, yes you can

[@thebalkanbull]

You can pay for it yourself👍

[@nOnecares623]

He paid mine off

[@GIboy1990]

KC Roeder, I can pay for your education! All you need to do is sign a 3 year agreement to serve in the United States Army!

[@swayzz5638]

GIboy1990 facts man, everyone wants handouts. GI bill is litty kids

[@L__r_u]

Showing off a credit card than showing off a lambo or a bugatti shows how much financial knowledge you have. I'm really happy if you can bring more about global economic and financial situation too 😎💪

[@tylerparker1333]

Credit card and sports cars… you’re part of the problem if you think that means “wealthy”

[@Zachvlogs]

Some guy came into my work (taco time) with the same exact card😱 holy crap! I can’t believe I’ve held a life’s work of debt in my hand

[@GrahamStephan]

😱

[@RobertHDaGod]

XD

[@RobertHDaGod]

KENT ROBINSON pay in full is debt. If you pay off a credit card monthly you’re using the credit card like a middle man. 1 hour or 1 year. Money owed is a debt.

[@josephsvennson5694]

Gave guys tacos that he'll shit out before he even starts paying for them.

[@GmoneyStylez]

I see you are a cup half empty kind of guy.

[@JoeCoughlin]

I loved watching this entire thing out of focus

[@GrahamStephan]

😂

[@LilTiggsz]

Joe Coughlin 😂😂😂😂😂😂

[@user-zq4ec5xp7t]

I live in the UK and I got my first credit card 3 months ago. I'm so glad I didn't listen to people saying "debt cards are bad" I figured out for myself just how OP credit cards are when used responsibly, also considering my credit history being just 3 months old my credit score is bloody good so far I'm definitely doing everything right. I can see myself being that guy who has tons of credit cards and I'd be absolutely fine xD

[@GrahamStephan]

🙌🏼

[@jamesstewart2403]

When you get Rick rolled and then hit with an ad lol

[@mrstrahta5836]

Same. Lmao

[@mrspartan671]

Even if you put out a flex video, I’d still watch it and smash the like button

[@GhostPlaysGames]

Lol....the box from dollar shave club looks more exquisite than this🤣🤣🤣

[@GrahamStephan]

LOL

[@pimpinisanoncontactsport2096]

Not in the budget 😆😆😆

[@Blight_Knight]

Dave Ramsey has left the chat... 😂

[@MrDyRT-ch7yl]

You know this inspired me, it isn’t a flex it’s inspiration showing everyone that you can achieve you’re goals in life and even if you don’t realize it. So take a moment and reflect back on where you started and where you are today.

[@baileykwhite]

2:07 this is not a flex 7:18 this is a flex

[@louiswilliams984]

Bailey White 😂🤣 Good catch! DEF a flex!

[@MrSmallANDLoud]

Well...you wanna know what you DONT have? The kids next door ID Card....I GET INTO ALL TREE HOUSES . Me and other mid 20s people having a good time fighting those mean adults.

[@GrahamStephan]

:O

[@davidlimbert2487]

HAZZAH A MAN OF CULTURE

[@eknoke01]

America the only country where we worship credit.

[@GrahamStephan]

¯\_(ツ)_/¯

[@_d0ser]

That isn't true at all.

[@eknoke01]

Steven Strohmier well people with good credit 😆

[@iheartlreoy8134]

Erik in Minnesota yes other countries don’t have credit cards and don’t have loans of any type.

[@eknoke01]

IHEartLReoy I didn’t say others countries don’t have credit cards or credit I was simply stating that here we worship it on a whole other level.

[@vinojol9489]

I want to wake one morning and find out that my portfolio is $500,000. I know it’s possible.

[@johnjames3491]

This is really depending on your investment curve, just invest wisely

[@fredmark1327]

Plan your investment with good portfolio manager and I can assure you that in few months your account will be more than your dream.

[@henandezsureman1205]

It's better to have a bitcoin and not need it than need a bitcoin and not have it.

[@vinojol9489]

I trade features on a better exchange with lesser fees, i am glad to say i was able to do that with the help of Mr David Harrison he is so kind

[@Scott-melker]

I never doubted trading with Mr David after seeing his POT (Proof of Trades) I have made good profit this year, I hope to make much more in future.

[@caseykittel]

Ha! I make those J.P. Morgan Reserve cards, as well as the Amex Centurion and the business platinum. Well, actually, I should say made. A few weeks ago I quit to take up real estate investing with my father in law! That’s what got me to your channel! It’s a really neat find to have you holding something that I made in your hand. It feels like a sign to me. Do you ever experience cool coincidences in life like this? To me they sometimes make it seem like I’m on the right path. Do you ever experience this or are you way too practical and pragmatic to be amazed by what may merely be random chance? Just so you know... the card is made from brass sheet metal with a palladium PVD coating. Should I say how much it costs to produce? The back is chemically etched and the front is mechanically engraved and laser etched, then it’s coated. Congrats on your brilliant success Graham. Enjoy the flex. You’re totally not a douche about it.

[@kendalljohnson9172]

Norbert yea

[@jollama]

@@kendalljohnson9172 Who are you talking to?

[@Ian2.0RS]

That’s cool and all Graham, but do you have a Megalodon shark card in GTA 5 tho?

[@GrahamStephan]

HAHAHA!

[@mafiacityninja560]

Free GTA 5 card money use code :. MEGA-GTA5-FIVE-STAR 😂

[@yunglozone620]

😭💀

[@KaiDrozda]

I believe he has that + 2 million

[@floresindustriestransporta1806]

Kids I worked in banking for a decade at 3 diff institutions and they were all the same. Anything that the bank offers you for “free” is not free. The banks benefit $$ more from you and you blindly think your the one benefiting. First it’s not a $10mil, credit line. You need to have $10mil in assets being managed by the bank. That means that the banks are already pocketing money from in management fees. Whether we are in a bull or bear market (you losing money) the banks are still making money from management fee. Additionally, by all means your approved credit line can be anything the banks want to give you (all based on credit approval). Secondly, they claim you get “$300 annual credit automatically”. Eh wrong. You have to spend $1000 on air fair to get the $300. So your still spending $700. And if you don’t use the card you still have to pay the $595 annual fee, like it or not. And lastly, the exciting 3 point for every purchase on travel and restaurants only. Everything else is one point only. Each point is worth only $0.015. Do the math. At the end of the day banks deceived the gullible into thinking their benefiting when in reality is all easy money in the pockets of financial institutions. Read your facts kids: www.valuepenguin.com/jp-morgan-reserve-card-chase-palladium

[@fredator7242]

Damn

[@yng27]

If people don’t know this without even doing research then they definitely don’t deserve any kind of credit card

[@kamynsv]

Exposed...

[@julianlobert3679]

Flores Industries Transportation Most of what you said is either misleading or just plain wrong. The rebranded J.P. Morgan Reserve card is $450 a year. The site you referenced is an update of an article about the original Palladium Card, clearly they forgot to update the annual fee when it was rebranded. If you would have checked out any other source including the guy in the video who OWNS the card you would know it’s now $450/year. Next the travel credit for the JP Reserve is EXACTLY the same as the Chase Sapphire Reserve. Being an owner of the CSR I can confidently say what you said is completely false. The $300 credit after spending $1000 in airfare was used ONLY as a real life example in the article. They weren’t trying to say it was the rule. The real way the $300 credit works is when something is charged as travel you automatically get credit back to your card. The card will keep doing this until you reach $300 in spend. This is an amazing credit that is naturally and easily used by almost everyone. Lastly you talk as if 1.5 cent per point is bad. Anyone who has touched a credit card knows that your return is only going to be a few percent. But even so you’re also not factoring in the transfer partners available to owners of premium chase cards. If you fully utilize the transfer partners you can get 2-6 cents per point if not more. Add in some additional chase point earning cards and you can get amazing return on a wide variety of categories. End of the day YES banks are trying to make money but they aren’t making money off of responsible owners who pay off their debt on the CSR (and by extension JP Reserve). There are plenty of articles out there where Chase has stated they are losing money on this card. Bottom line pay off your debt each month and you will come out ahead.

[@drewnyc5816]

Flores, don't get a credit card. Because you're clueless about them and how they work. He doesn't have the old palladium card pay attention. Yes, the credit is automatic you don't have to spend 1000 on airfare. Any travel purchase, Any is credited back to you immediately up to 300 dollars. He knows there are 3 points for travel and dining and 1 point for everything else. Watch the video again and pay attention. You will learn something. He never said it had a 10 million dollar credit line. lol. The freebies are for people who know how to play the game, of course, people fail at this game because they are bad with money. But people like me gain. 32 years in the credit card game never paid a penny in interest. I enjoy all the perks, free travel, free rental cars and free hotels for the last decade. 30 plus credit cards with two new ones this week. I love the points, free lounge access, free global entry.

[@JerryNoel]

Thanks for everything Graham. I've been keeping up with you channel since I was a sophomore in High School. Now that I am a freshman in college, I can honestly say that I have learned more about life financially from you than from anything or anyone else. You teach what should be taught in schools (instead we have to memorize a bunch of things that do not relate to what we really want to do in the future just so we can get a good grade on something that doesn't matter.)

[@GellyGe3666]

how u doing bro?

[@banahlee]

4:37 So your card weighs 27 *Grahams*

[@BryanAgapito]

B the Lee 😂😂😂😂 best comment

[@banahlee]

@@daxbrook ;)

[@maqiaoerda]

That's 6g heavier than my soul...

[@anthonybailous3670]

That feeling when it’s exactly 50% heavier

[@mollinf534]

I really appreciate how committed he is to this hobby and that he shows it to everyone on youtube. Prime example pf a good creator.

[@GrahamStephan]

THANKS!

[@angiebank7901]

The philosophy of the rich and the poor is this, the rich invest their money and spend what's left while the poor spend their money and invest what's Left.

[@dwisaputra9161]

Who have $10.000.000 debit card?? I think its better right?

[@jtsublime5331]

Dwi Saputra He said Credit a million times

[@bobwaka1]

@@jtsublime5331 Pretty sure he knows that. His comment is saying a $10,000,000 debit card would be better than a $10,000,000 credit card.

[@Vinicius-io6ql]

Obviously, cause if u have 10 million in a debit card you have that value, but if the bank give you 10 million in a credit card u can wast a lot of money and don’t have the value to pay that, because the bank “gave” you that value...

[@collinhughes7435]

@@Vinicius-io6ql what, no. You definately still have to pay for it with your own money

[@ballislife2351]

That’s not how debit cards work....

[@xofarhills3977]

BRUCE WAYNE: they didn’t give me a card............ 👀 So I bought the bank 🏦

[@chrisglaze1410]

💰💰

[@0j0hnes64]

"Okay let's pretend this didn't happen,let's open the box now" *ad plays*

[@francoadonis3802]

That's great, Sometimes we need to get our minds off negativity and just motivate ourselves, If you dwell on your failures you will end up not achieving your dreams, take a chance and try something new.

[@ianrobert6073]

"Markets are constantly in a state of uncertainity and flux and money is made by discounting the obvious and betting the unexpected"-George Soros

[@ianrobert6073]

🚀🚀🚀

[@bartonjeffs9439]

I use to take money from the bank for survival but after trading with her my financial status changed for real

[@ellajackson.2125]

The pandemic is far from over and a second market crash is inevitable. Proper consultation in these troubled times is in order, the best time to invest was 2008-2010 the second best time is now.

[@wowfreak141]

Daaaaaamn son, never thought I’d be so interested in the unboxing of a credit card 😂

[@GrahamStephan]

Neither have I!

[@bradenchamberlain9217]

I have a chase account with 1500 bucks in it because they said I would get 200 bucks if I opened one. How close am I to getting this card

[@GrahamStephan]

Only $9,998,300 away :)

[@davewilson4800]

@@GrahamStephan yes!

[@darrylstrawberry9830]

Lol yeah you gots a ways to go bruh

[@G-y_m]

Lies!!!! He's super close

[@noirking6138]

Oh man you’re almost there! 👌🏾 lol

[@HeatherDawnMay]

Congratulations! I can only imagine how excited you are to have this card. I would love to just be added as an authorized user just to have that on my credit report to enhance my credit. So proud you have the card. It was exciting watching you share the experience with all of us. God Bless.

[@GrahamStephan]

🙌🏼

[@sethwilson6321]

That would be awesome, never having more then like .001 credit utilization!

[@RossCampoli]

This is the video that introduced me to Graham! I started my channel because of this video! This channel is such an excellent resource of information.

[@TylersMark]

Just wanna say we appreciate your consistent transparency with what seems like everything in your life🙏🏼 keep up the hard work brother, and thanks for all of the great advice you give!!

[@InvestingHustler]

What would dave Ramsey say 🤔 Cut it in half and throw it away !!!

[@GrahamStephan]

He’d call an exorcist for sure

[@InvestingHustler]

Graham Stephan lmao 😂

[@antonbriggs5680]

It's depends, are we talking about young Dave Ramsey or old Dave Ramsey lol 🤣

[@ruen99]

THE BORROWER IS SLAVE TO THE LENDER

[@InvestingHustler]

Anton Briggs lol good point !

[@LesterDiaz]

Damn...I never thought I would get Rick Rolled in 2018 in A Graham video 😂

[@GrahamStephan]

Had to 😜

[@razzon101]

@@GrahamStephan Loved it! It's been a while

[@ManaNoodles]

And the ad as he opened a second time trolled us again. Brilliant ad placement.

[@jenniemcneil7821]

An investment in knowledge pays the best interest."

[@annerebecca5582]

How is the forex investment done.

[@thompsonrichard5247]

Yes, forex investment, I heard it's very profitable

[@loganisabella6186]

Yes, true but I don't know anything about.

[@pavlotanasyuk5900]

I have heard so much about forex how does it work

[@randytony9763]

Did I hear someone say forex?

[@tctflower]

Swiping this card as a fast food employee is literally the highlight of my day, there is always so satisfying about swiping such a heavy card

[@colingallagher1385]

Guess I'm officially an adult. Just got approved for my second credit card at 19 (Discover it student card) and I can't wait for it to come in the mail. The JP Morgan Reserve card is super cool. Keep up the quality content Mr. Stephan!

[@GrahamStephan]

Thanks so much!

[@OntologySlays]

How’s it going? 23 now?

I never knew a credit card could bring so much joy lol.

[@norbert1097]

Got introduced to Matty via a comment made by someone and I can say I got my moneys worth, NEED HELP LIKE I DID IN FIXING CREDIT SCORES??? then contact Matty via **mattyw193@gmail com** or WhatsApp [phone] for SUCH SERVICES✅✅✅✅✅

[@minoritymindset4904]

I love the fact you specified that this is not get rich fast scheme. I don't know who needs to hear this ,you've got to stop saving money , invest some part of It,if you really want financial freedom, Invest in bitcoin, gold , buy stock, forex market, commodities, just invest and save yourself

[@DavidDiMuzio]

Cool video man. You have a great personality. You're fun to watch, and seem like you'd be a great hang :)

[@lobsterstrange]

You meant bang right?

[@Wmacrum]

it is made heavy so if you get pick protected then you feel it

[@santanakushner2536]

You Gay...

[@portalooskenya]

Hence the 3.5m followers🤔

[@Tommy.OrginalvideosPhilly]

😂😂😂😂😂😂😂😂

[@ray.gene.bowner]

I got some Pokemon energy cards

[@GrahamStephan]

Nice

[@5_fun_facts123]

Oh yah? I have a GX card.

[@josephsvennson5694]

I got some old phone cards...and Pokemon tazos

[@gamercow9086]

Well I have a shiny charizard

[@yubeluchiha]

Lol

[@PapaChen]

Everyone in the comments be like "Dave Ramsey, Blah, Blah."

[@nicholaswarner1143]

The Bears Chen They don’t understand how Dave works or the majority audience he is speaking to. Dave is not a dumb individual, he knows leverage can be used to make money but his show is about getting out of debt and being financially responsible and the best way to do this is with cash. As he says, if numbers were so simple then none of his listeners would be in debt. For most of them, the last thing they will be doing is leveraging debt, his show is not meant for that but obviously a lot of people don’t understand this.

[@TechOutAdam]

I've only known one person who was also a real estate investor who had a black card and it's pretty much the same as this. He was like, "Let me put it this way I can buy a $500,000 car with this card and the bank won't even bat an eye."

[@saulramirez1093]

Non relevant but still hyped about it. I got my OSHA certification. I got a card now to prove it. So we both now have a new card

[@munchkineatsalotvent9899]

Congratulations

[@jesusantonio732]

5:14

[@kristelyoung0329]

"12 or 13 credit cards..." I have 12 or 13 dollars

[@daniellara8007]

Kristel Scherer 😂😂😂😂

[@MichaelSuperbacker]

I don’t even have $12 😢

[@corynorell3686]

Never, ever thought I would watch an unboxing video on a credit card... Also, you should do a video on charge cards vs. credit cards (assuming you haven't, I did not yet look).

[@ian.kirkpatrick]

Not only did I get Rick rolled by my favorite KZbin, he went to open it again and the reveal got interrupted by an ad...

[@sadedx]

Oof

[@colehacker9990]

L

[@timothygray8570]

Graham you've made me a credit and credit card super nerd. Inspired me to really build and share the knowledge now im pushing a 800 credit score at 23 thanks a bunch I cant wait till I can get the chase sapphire reserve

[@GrahamStephan]

Well done!! The highest I've gotten so far is literally 799...still haven't beaten 800 yet. How'd you get to such a high score so quickly?

[@timothygray8570]

1. I had a few hard inquiries from 2 years ago that fell off at this time. 2. I have a few loans that I got as well that I pay off fully every time 3. I keep my utilization to the 1-3% 4. I got a few credit cards and do the offers for them like you talked about and my score shot up greatly after completing them. 5. Never missed a payment That’s literally all I did but I think it mostly came from the offers but I could be wrong. What are your thoughts?

[@nicholaswarner1143]

ThroesXII He doesn’t typically answer after his first comment, don’t take it personally, he just has tons of other comments he must also respond to to engage with his audience. Awesome for you, though! I’m currently at a 740 and I’m 22. It would be higher had I not screwed around with debt a few years back (credit score dropped over 200 points) but I’m satisfied at where I am currently at. I still have atleast another 4 years before I will purchase a house so I have plenty of time to get that score up in order to get a better rate.

[@trygveevensen171]

"Credit card nerd", now I've heard it all

[@GrahamStephan]

:O

[@adelaidedanielle9898]

Meet the credit card masters for your valid credit card debt payments done with no charges upfront negativity they are 20% legit and trusted are 80%, he cleared my debt of $5,000 I'm one of the licensed VIP members affter clearing my debt with the help of Ghost I wast loaned another $5000 paying it back with tools needed! Simple you know on common sense are not common. Reach Ghost out on [e-mail]

[@EricdaRED95]

People who are invited to own these complain about $500 annual fees hahaha

[@GrahamStephan]

😜

[@jaozikao]

Because they rich they cant complain? You know what? Thats why they are rich.

[@kakerake6018]

@@jaozikao lol spot on. my parents still use the basic membership Netflix even though they're fairly wealthy. I've tried to convince them otherwise but I just ended up getting my own. (Probably was their goal in the first place)

[@jaozikao]

@@kakerake6018 exactly, smart people like their parents value every dime they have because they know how hard it was to get. and it's just that kind of person who will never need pass trough hard times for the simple reason to think about tomorrow. normally people like this dude " they complain about 500" is the same mindset from those who lives paycheck to paycheck, that's not live this is survive... for those people who lives for just for what they want at a moment, witouth make planings they are doomed to failure.

[@meemeewilliams3266]

Can some send me and invite

[@HagakureJunkie]

I used to work in a ritzy bar, there were about 10 people who had the palladium card. All of them were insanely wealthy.

[@lziv7583]

I like discovering weird niches on KZbin like this

[@GrahamStephan]

😜

[@NuanceBro]

Dude I knew this video would kill it! Congrats on all the new subs. Time to get the Amex black card. It will be worth it just for the KZbin views and subs alone lol

[@GrahamStephan]

Thanks so much man!! Haha I’m strongly considering it 😂

[@foxhar]

Graham Stephan honestly i think with your current channel size and the fact that this video trended and i found your channel, i would risk the annual fee of the black card bc i think he may be right and it will get you heaps of subscribers

[@tonystimberBKK]

Nuance Bro ฤ

[@sydnijobnson8428]

You do knw you have a dick of your own right ok just checking

[@OscarMartinez817]

Jesus you’re gonna give Dave Ramsey a heart attack dude 😳😂

[@GrahamStephan]

I think this is credit card #13?

[@antonbriggs5680]

Dave Ramsey is for the weak minded. Everyone who is wealthy knows wealth is built on responsible leverage.

[@DavidJGlad]

@@antonbriggs5680 Truthfully, Mr Ramsey seems to flex the idea of avoiding debt altogether and credit cards from what I know of him. Probably not a bad idea for a Peter Pan generation of snowflakes. However, if you understand concepts like return on invested capital (%) against cost of capital (%) and leaving a wide margin for error (duration gap and other uncertainties), then scalping bonus offers if you are fully certain of paying off the expense without incurring unnecessary interest expense totally works.

[@dirtymikentheboys5817]

hes worth 60 million dollars. He knows what hes doing. !!

[@antonbriggs5680]

@@dirtymikentheboys5817 Yeah selling fear of debt to the mindless.

[@slconstable]

I’m a constant investor in the market. I have one credit card, zero debt, excellent credit score, own my house and car and I’m on track to very comfortably retire. I think this card is a pass for me. Zero debt is the way to go.

[@NeuroEverything]

Omg. I was listening to this video while cycling and wasn't sure if this was a really old video or if Graham was *really* THIS emotional about this card! He sounds like he’s gonna cry.. Sending love :)

[@JOZ3R818]

I would max it out then pay min payments for the rest of my life

[@GrahamStephan]

😂

[@twoeightythreez]

Lol. The minimum payments would be like $50 k per month.

[@kinglos3004]

😂😂😂😂😂😂

[@billzer9102]

Jose Palacios ...classic 🤣

[@kinglos3004]

@obrbob194 it's called a joke numbnut. Get a sense of humor

[@phuditdiary]

I got over 20 credit cards and always pay on time. I used them for discounts and cashback for most parts. I like spending credit cards on gold jewelry/bars when the gold was at its lower price a few years ago. there were also 0 percent 10-month installment programs if you can't pay the whole debts at the end of the month or after a grace period. you must join the program when you first buy them at partner gold shops. now I got lots of income from selling the gold back to the shop when the gold's at the highest price. if you know how to spend credit cards, they will do you good.

[@heawin88]

Gotta love it. When you're rich, other rich people just give you their money for being rich and doing business with them yet charge poor people when they accidentally overdraw their account.

[@MichaelJayValueInvesting]

Still pays bills in full each and every month. JP Morgan isn't going to be making money off of Graham.

[@GrahamStephan]

I calculated just over $1200 in profit within the first year on this card! I also realized I get the $300 travel credit on my CSR in January, so going to use this up before downgrading!

[@john55223]

Michael Jay - Value Investing Dont forget they get a small percent of every purchase.

[@Jungernaut]

Strong flex with this one...

[@jessebashiri8224]

My mom mom has a Victoria’s Secret Credit Card

[@GrahamStephan]

( ͡° ͜ʖ ͡°)

[@gabrielgalaxygh]

Financing bras amd underwear, what's wrong with woman

[@architxct4168]

@Dassd Schsdu /?

[@jackomalley4563]

whats her @?

[@Mr3344555]

Can I sniff her credit card?

[@darronpattel]

Yesterday I moved my foot, and scraped my card along the floor by mistake, it still has mud on it from my shoe. I'm really bad at taking care of my stuff. When I pull out the banged up Platinum card from my hoodie pocket thats scratched to hell with color wearing away, I get all kinds of looks....

[@Someone-gj3go]

Unboxing starts at 3:00

[@GrahamStephan]

😜

[@michaellopez2775]

Thanks for sharing the card. I had no idea it existed and am now adding this achievement to my goals list. Appreciate your videos Graham.

[@sephdelarosa641]

Actually this video just gave me the motivation to have that card as well, no its not a weird flex for me you’re so cool man! Please dont stop making videos.