What's In My Wallet? 2024 Keeper Credit Card Plan to Maximize Travel

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What's in my wallet? Here are the keeper cards in my wallet for 2024.
0:00 Start Here
0:51 Card 1
2:39 Card 2
4:26 Card 3
6:51 Card 4
8:24 Upcoming Travel Plans
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[@AskSebby]

💳 Sebby's Card Picks: www.asksebby.com/credit-cards Learn more about Chase Freedom Unlimited: www.asksebby.com/go/cfu Chase Freedom Unlimited Special Offer Calculator: www.asksebby.com/credit-card-reviews/chase-freedom-unlimited-review

[@MontyTheCardNerd]

Definitely interested in a video where you go over your recently acquired cards and why you got them!

[@joshwheeler1966]

⛷️ Hey Sebby, great video. We just got back from skiing at Beaver Creek. Stayed at the Park Hyatt which we booked with points. Booked our flights with Southwest miles and credits. It was a great time. I highly recommend if you haven’t been there. Also, my friend that has skied a lot said Vail is the best ski resort he has ever had the pleasure of skiing. It’s right up the road from Beaver Creek. Thanks for what you do.

[@marquiezcarthon450]

Crazy this is the same setup I’m working to get one day. Great vid bro

[@lar0418]

Thank you Debby for all of the education you provide on finances and credit. I just utilized your calculator for the venture x. I applied and was approved for $25000. It's going to replace my Amex gold, which provides very little in comparison to venture x. Thanks again.

[@Apollo_X]

Love the break downs! Thanks!

[@GabrielFereira]

Good video (as always), but just wondering if it really makes sense to have 3 different point systems, (AMEX, Chase, and Cap. One). Wouldn't better better just to stay with one and pile as many points as possible? Thanks.

[@jordan23ww]

⛷️Great video! Thank you for all the info!

[@jennyboyd5373]

Great video! I am wondering if you can keep us posted on airline promotions, such as transfer bonus and miles purchase offers. We just came back from Beaver Creek, amazing skiing experiences.

[@LisaFlosznik]

🎿 Two quick trips to LA from SFO in Jan and Feb. Going on a 10-day Virgin Voyages cruise around Australia and New Zealand in March. Followed by SF Giants Spring Training later in the month. Can't wait!

[@jameshorton3692]

Thank you Sebby! Very Cool!!!

[@surfinlawyer]

⛷️ Great review for 2024, thanks. In 2023, I used my AMEX platinum for Disney hotels and parks. Used the FHR credit at the Encore Boston and very pleased. Overall i find value in the AMEX plat, although I do travel mostly to Mexico and the Centurion lounges (national and international terminals) in Mexico City are full much of the time. Priority Pass lounges are ok but not great. Now looking to get the AMEX gold for business as it seems to make sense. Not sure whether all points from both cards can be under one umbrella. thanks for a great YT channel, keep it up. 👍

[@JamieElgie]

⛷️ Park City local here. Really not sure why folks would go to Tahoe vs PC. But happy to keep the crowds in California. That said, for either place, pray for snow. It’s not last year.

[@jaxsonhuefner1411]

Hopefully, if you visit us in SLC, we’ll have a bit more snow then. And maybe I’ll see you at the airport. Currently rocking Amex gold, with plans to downgrade Sapphire to a flex. Thinking about getting the x too.

[@squawk012h]

⛷️looking forward to see a video of your experiences of France when you go.

[@scottallen7195]

Yo Seb,is it at all possible you remind us when the Alaskan & AA are having a sale on tickets & another question do you need to have their cards to purchase them at a discounted rate?

[@papertowel2458]

Daddy Sebby at it again with another banger of a video!

[@AskSebby]

:)

[@ResearchandThink]

Daddy? 🤔

[@kevinManhattan]

@@ResearchandThink exactly what I was thinking 🤔 😂

[@papertowel2458]

@@ResearchandThink Yes, daddy.

[@Elricky124]

Is that like saying “Papi” like some Puerto Ricans say or when you are into someone, or is he an actual father now?

[@royzeus9969]

Great video ⛷️

[@ll_cool_jaimes]

Sebby! Looking to get approved for another sapphire card after 5 years.. any expected 80k intro promo anytime soon for a preferred or reserve? Reserve benefits are looking worth for me in 2024 but not beyond. Preferred more worth it long term. Going to downgrade after a year anyway so I guess that doesn’t matter. Any info on elevated bonuses anytime soon?

[@wannabedal-adx458]

Travel plans are really based on business travel and that has not been figured out. Need to use some last minute Hyatt nights and upgrades, so some trips into the city maybe. For cards I'm focusing on the Q1 Chase FF, Gold, Hilton Surpass, CSP, Hyatt, and Platinum. I am pretty steady state now. May get the $95 Citi AA card since I have switched to AA from Delta mostly. Maybe the Alaskan card for the points, but don't have a use case right now so will not jump.

[@albertp.3893]

Why the switch❓

[@antiquehealbot6543]

Try using a charter flight to Tahoe it's much more reasonably priced than you might think.

[@jameswest411]

Sebby I’m interested in how you purchase airline miles and use those miles to book business and first class seats.

[@gtrr3246]

Love my Citi Prestige for restaurant over the Gold.

[@Adia.F]

You mentioned: buying points from good airlines/one may like. 💡 can you start doing shorts or ig stories like a “newflash” on when airlines are selling points and which ones to go for?

[@peterdeluca7828]

GrAAvy TrAAin! My pets and houseplants all miss riding it too

[@AskSebby]

It was greAAt 😂

[@denniszhaunerchyk6191]

Great review. Thank you for sharing your thoughts with the audiesnce, Sebby!

[@AskSebby]

Thanks for watching! :)

[@abinthannickal3044]

Heard that marriot bonvoy and Singapore airlines are matching status? Any ideas about that sebby or how that’s done haha

[@abhisuri6072]

When would credit card companies launch their new programs/incentives? Do you think people should apply for new cards before year end or wait until January 2024?

[@YanLuo]

could you also do a video on "what's in "mandy's digital wallet “?

[@kevinfedigan8229]

You nailed it..... Double Smoke Stack Burger is the best!!!! As far as my cards, I got lucky and got the CFU double points offer for the first year, so it's been my go-to card. Really need to figure out if I'm still getting value from my Amex Plat. Might be the year I ditch it, we'll see. Otherwise, Happy New Year! Enjoy the slopes! ⛷️ I'm doing my first big redemption and heading to Thailand with my P2 to see his family. Spoiling him with Business class on Air France then a 3 night stay at the Conrad Maldives on the way home. Virgin Atlantic biz class home (NYC) from there. All on points & Free Night Certs. Good start to a new year if you ask me!

[@AskSebby]

Nice! Happy New Year :)

[@geraldalves9107]

Active CSP - SUB CIU - SUB CFF - 5% groceries and gas (9% on groceries this quarter) Bilt - Rent and 4 transactions On Deck Active Cash - Could be active again to pair with Autograph later this year depending on the transfer partners I'll be at 5/24 until late 2025 so after hitting the SUBs my focus will be to just garden and earn until the 5% groceries and gas offer expires later this year and then I'll need to figure out the next step to earn in those categories (maybe Autograph as mentioned above and then use the CSP for online groceries even though that's not ideal). And then I'll only apply for business cards for SUBs if it makes sense per use case.

[@williamluo6084]

Is that a goyard wallet? I would like to buy an identical card holder, the design looks really nice

[@jimenezjse]

Can you do a video showing are the best properties/areas to use the FHR $200 hire credit from Amex. I know it’s YMMV but I’ve found there are certain areas that have a tendency to be reasonably priced vs a $700 a night hotel

[@samuelferguson5]

⛷Another great video Sebby! Are you considering staying at the Waldorf Astoria Versailles?

[@AskSebby]

Yup :)

[@icanseaclearnow]

@@AskSebbyIts a beautiful property stayed there January 2023. FHR for one night the other three nights on points.

[@Paratherapper]

Love your videos! Why you flexing with FLP wallet 😂

[@AskSebby]

Have to switch it up sometimes 🤷‍♂️

[@Coleman1922]

Q1 also hitting Whistler

[@danieladrianzen]

I'm confused, why carry around the CFU and Venture X, aren't you using both for the 'other' non-category spend? which one do you use more often as a catch-all and why?

[@ryanrodriguez5293]

Back up dining in case they don't take Amex, like he mentioned.

[@henryyu451]

Can someone explain the aa miles to book jal 1st/business class? Miles required is around 900k points for me, not 75k.

[@TerrySteiner]

I valued the Plat digital entertainment credit highly when they had Audible. Now not so much.

[@jameshorton3692]

Same

[@qianglin6245]

From Bay Area, it's much easier to go to Park City than driving to Tahoe.

[@AskSebby]

Agree! Glad I don't sound crazy.

[@jackluowang1698]

how do you hit delta diamond with 19 segments!?!?! thats crazyyy i suppose business class, international round trip at flex fare?

[@cmc9823]

⛷️ looks like a fun ski winter! I’m on the Epic local pass as well based out of Utah.

[@apiitg]

I applied for premier card last year and used the bonus points. Can I cancel my current card and re-apply again for the same card to get new bonus points? If yes, then is there a wait time, or can I apply immediately after canceling?

[@balertriton26]

Random q, where did you get the red folio for all your cards?

[@aaronparks1820]

Great vid as always, Sebby. Definitely agree with everything you said, though since I am renting I have the Bilt MC as my back up for when my AmEx Gold isn't accepted. I'm finalizing my Q1 2024 plans with my player 2, but so far it looks like this: Jan: staycation 😆 Feb: LA and Las Vegas Mar: LA and New Orleans (and maybe Bentonville and/or Biloxi) 🏂

[@kingbb1]

Walmart + membership is also a beni on ex platinum as can use to get 10 cents off per gallon. Gas!

[@craigb4449]

Ok how about a CC 101 class in identifying when to buy points and how to decide how and when to use the points? Not gonna lie, I’m lost and want to make sure I’m maximizing every single point

[@AskSebby]

General rule is to buy points if you have a specific goal in mind and need to top off, ideally when there's a sale. Don't buy and let them sit there. Devaluations happen too often.

[@user-xs7yc2ji8h]

⛷ Loving the vids Sebby. Quick non-card related question...which Faure Le Page card holder are you using? It's sharp and I want one ;)

[@AskSebby]

The 4 card one.

[@acdsfjhu]

What color was that one? ⛷️

[@drew5118]

chase preferred?

[@sherryliao3209]

Why Niseko instead of Hakuba through Epic pass?

[@josephmarinelli9837]

I set up this awesome trip to Greece/Italy in June EWR - ATH flying with Emirates business class for 78k points 2 weeks in Greece hopping from Athens - Santorini - Crete A quick jump over to Rome, renting out a car using my president status through Venture X, and heading to Musellaro, Italy to go be with family and baptize my daughter in my dads church Flight home is FCO - JFK flying Virgin Atlantic! very excited for this, a quick layover in Heathrow to be able to experience this flight. im open to another trip later in the year! Please leave suggestions. I can easily fly out of NYC, Boston and CT.

[@James-bf7dk]

Nice plan, I’m also planning for Italy and Greece next year. Which card are you transferring points for Emirates?

[@josephmarinelli9837]

@@James-bf7dk thanks James! I used the Venture x when they had a bonus transfer to emirates a few months back

[@jacecole]

Hey Sebby , I have to make large IRS payments quarterly , what do you suggest for rewards on those? To date I’ve been wasting the opportunity doing ETF transactions directly on the IRS website.

[@wannabedal-adx458]

I'm not Sebby....but when I had to do that in the past, I used my AMEX Hilton Surpass to reach the $15K goal to get a free Hilton night. After that I used my Chase Hyatt card to get 2 nights towards status for every $5K in spend. Hope that helps.

[@johnwick860]

hi, for Flex 3x dining, for CFU 3x restaurants.... does that mean fastfood like Chik Fil A, Arbys fall under dining but not restaurants?

[@AskSebby]

Fast food chains should code as restaurants.

[@NJ-750]

Just wondering, do you cancel your credit cards after the first year? How does this impact your credit?

[@AskSebby]

No, I keep all my cards long-term or product change to a no annual fee version.

[@MrHawaiiboy510]

No Chase Preferred or Reserve?

[@TJ_Ov13]

Savor one Trying to move up to venture x from platinum 10:27

[@maulittabrown8387]

⛷️ have you done a video on using points for the ski trips specifically? I’ll go look but I wanted to shoot you a question too.

[@kaina732]

Here is my current wallet set up: AmEx Gold and Chase Freedom Unlimited for Personal. Chase Ink Business Cash and AmEx Blue Business Plus for business. Driver license, local bank ATM and whatever card I am working on for a SUB. In my travel wallet I will carry the Priority Pass card, airline card I'm flying on, hotel I am staying at and the Chase Ink Preferred (actually applying in 2nd Qtr 2024).

[@TheSonyExperience]

I use a MagSafe wallet and rock only my venture x, drivers license, and handgun permit. Anything else is in my apple wallet

[@kaina732]

@@TheSonyExperience if it wasn’t for business expenses I could switch back to my MagSafe wallet as well.

[@Jziegenhirt]

Fantastic video. Why not include the $100 Global Entry/TSA-Precheck credit for Venture X? For me, that reduces the annual fee even more!

[@AskSebby]

Nice! Left it out because most people have multiple cards that offer the credit, so might discount the value to $0.

[@ryoonoue1076]

i don't think the CFU special offer is as good as it sounds.. In essence, you could ask yourself "would you pay $200 for a card that gets you 3% on dining and 1.5% on everything else" because you are foregoing a free $200 and the difference between the regular offer and the special bonus is 3 and 1.5%. Especially if you have a 2% cashback card, and because you get a 5% deal on gas and groceries, it's gonna be pretty tough to make the double points make more sense

[@coziii.1829]

Never understood any of the Uber credits or the other credits We have none of that stuff here .

[@jacecole]

I have to make large IRS payments quarterly , what do you suggest for rewards on those? To date I’ve been wasting the opportunity doing ETF transactions directly on the IRS website.

[@AskSebby]

If it's personal and you want to add new cards, the CFU special offer would outweigh the 1.87% credit card fee. Otherwise, Venture X for the catch all. If you have a business, would split payments to get the bonuses for Ink Unlimited or Ink Cash for the increased offers. Covered here: kzbin.info/www/bejne/ep_Ghpafi9aBZpo

[@ryan_sankar]

Description typo, travel plans at 8:24 not 6:24. Need me that VentureX but 5/24

[@AskSebby]

Good catch!

[@SidharthJhawar]

Sebby, can you share or post a video explaining miles transfer from likes of Capital One, Chase, etc, and how to evaluate if it makes sense to transfer miles ? Have Capital One Venture X, Savor, Citi double and custom, Freedom, Unlimited. Racked a bunch of points that I want to use in 2024.

[@naveenthemachine]

My keeper cards 1. WF autograph 2. Amex BCE 3. WF active cash 4. Coastal FCU signature premier rewards 5. Chase freedom flex Most recent addition 1. United Club Infinite. Of course after 1 year I’ll downgrade to the Explorer. That’s a far easier keeper card

[@Brianpeckin]

After this year 75k gold bonus I'm cancelling the card lol. The gold credits is awful. The dining isn't good... All those dining is overpriced to begin with. For me personally i don't order out much at all a few times a year.

[@greentechgiraffe]

⛷️ didnt know you were an avid skier!! nice spots you have lined up!!

[@lewis20002000]

I love the spicy burger with the peppers and crushy onions 🌶 hmmm😊

[@AskSebby]

😋

[@ctcristo]

How much would you prepay a year in advance for $120 in shake shack GCs, and $120 for Uber Eats, dished out in $10 monthly increment? I wouldn't pay more than $125 now. So it is a $125 effective AF. No thanks.

[@huntermilner]

Where is your wallet from?

[@KP-oe8sk]

Ok Would there be an advantage (If you could Afford too) ??? buy let's say $10K or more etc in GOLD coins etc??? As a one time purchase to make the LIMIT spend on these cards????? So you get the points? but you also retain the asset of the gold? as a form of cash? Do you think the card company would FLAG that type of Purchase?

[@AskSebby]

Might be seen as a cash equivalent by some credit issuers. I know some of them flag purchases from the US Mint now.

[@BUY_YOUTUBE_VIEWS_g0g7]

I'm officially addicted to this content!

[@stevesalinas]

God I wish I could speak to you directly. I transferred 192,000 points to Qantas hoping that I could at least get 2 premium economy seats and I couldn’t come close so when I hear you say 150,000 points is good for two first class tickets to Japan. I’m asking myself how?

[@AskSebby]

Look up flights here: www.asksebby.com/seatsaero Usually 60k AA or Alaska points one-way. Lots of availability for business class to Japan.

[@jasonhopkins4778]

Uh....never heard of shake shack

[@spritely2158]

Buying sunscreen is Saks is hilariously genius.

[@FastLifePooh]

What card holder is that?

[@krs1905]

It’s Amex’s The Pink Card ™️

[@slimydog8946]

Faure Le Page is a great leather house.

[@NVRLNDN]

Sebby! Is it better to sign up for a New Card Right now December 28th or wait till January 1st? Or does it make a difference?

[@AskSebby]

Depends on which card and if the benefit is on a calendar year vs membership year.

[@Juliozev96]

Also depends if even if the card has a benefit on a calendar year, that you can use that credit before the year ends

[@NVRLNDN]

@@Juliozev96 Thanks, that's exactly the same thing Sebby said.

[@Juliozev96]

@NVRLNDN Sorry, meant to specify you'll only have a couple of days to use said credit. If that's not enough time to use it, it nullifies the benefit of getting the card before the year ends

[@kevinManhattan]

Lets Go Sebb!!! okay so how in the world did you get Venture X??? I thought you had way more cards than me!! and I have 17.. And they deny me every time for the same reason!!! You really are the 🐐 Just wow!

[@leprechaun4gold221]

A friend with weed is a friend indeed, but a friend with the Amex Gold is the best I'm told.

[@Jpantab]

What wallet is that??

[@scs9466]

The wallet looks so good, which one is that?😂

[@AskSebby]

Fauré Le Page. Got it as a gift this year :)

[@waddoo1234]

⛷️is it possible to product change after year 1 at any point? Meaning it doesn't have to be during the statement with the annual fee?

[@AskSebby]

Yes, possible after 12 months due to the CARD act.

[@Baz35712]

Sebby could you do a video on buying miles?

[@zyzzuschrist3410]

Sebby, definitely do a video on new card additions. Can you double dip the CSP hotel credit if you’re approved for CSP in December? $50 hotel credit for 2023 then $50 hotel credit for early 2024? OR is my math wrong? 😂

[@rene.s.s]

It’s an anniversary credit. Not calendar based.

[@Rhaegar7504]

So all that hype and build up for the Altitude Reserve and it’s not even going to be used? That’s a letdown.

[@bryanhume_]

miss riding the grAAvy train (I’ll never forgive you Toby)

[@TheIBROWman]

IKON (has niseko) > EPIC!!!!

[@ce1estia1]

⛷️ and the AA gravy train 🚂

[@joanreilly6419]

Ski

[@AnthonyVenture]

I see you’ve turned on me Sebby. 😭 It’s Classic Gold Or Bust, everybody knows it!🥇💳 I hope CJ doesn’t see this 😬 = Same actually, aside from the ink business, basically just Gold, wife’s Flex and then Platinum for show ha. Great video Sebby!

[@AskSebby]

Team Rose Gold! 😛

[@rene.s.s]

Me Gold + AU Rose Gold. Yes, it was convoluted to pull off.

[@johnrendon5769]

What wallet is that, it’s nice ?

[@AskSebby]

Fauré Le Page. Got it as a gift this year :)

[@zyzzuschrist3410]

@@AskSebby4 card or 6 card holder?

[@AskSebby]

4 card

[@fulim226]

Is that a Goyard wallet?

[@AskSebby]

No, Fauré Le Page.

[@fulim226]

@AskSebby looks good...lovin that color...

[@AskSebby]

Thanks! Got it as a gift this year. They said it was "Ask Sebby yellow" :)

[@fulim226]

​@@AskSebbyNice! I same got a card wallet at LV from my fiance for Christmas.

[@zyzzuschrist3410]

W Daddy Sebby Webby

[@OhioPalmTrees]

what is the wallet in thumbnail?

[@AskSebby]

Fauré Le Page. Got it as a gift this year :)

[@nathanielhunt7564]

⛷️ Hi Sebby, love your videos! I am looking to take the step to my first travel card and go beyond my no annual fee cash back cards. I have the Savor One, do you think I should stay in Capital One and move forward to the Venture X or explore other options? I was pre-approved for the Amex Platinum and a 125k welcome offer, but many friends and content creators really like Chase. Would love your thoughts!

[@AskSebby]

General advice is to get Chase cards before you're locked out of them due to 5/24. More details here on how to pick your first cards: kzbin.info/www/bejne/morNgYV-pL-KnpI

[@JuanGarcia-hr1wf]

First CJ😂

[@AskSebby]

🥈

[@josemaciel3582]

SEBBBBBBBBYBYYBYBBTBTTBBTBTBTBBTBHRJDUISIS

[@carlosdiazplaza1690]

Third!

[@AskSebby]

Almost :)