Why I Have 19 Cards in My Wallet [2023 Update]

#creditcard #wallet
Top Credit Card Offer: bit.ly/jftcards
Today we're talking about the 19 cards in my wallet (kinda). I'll walk you through exactly why each card is in here and how I utilize them.
Top Travel Credit Card www.comparecredit.com/credit-...
Best Card for Rent bit.ly/biltjft
Favorite Amex Credit Card www.comparecredit.com/credit-...
Top Beginner Card www.comparecredit.com/credit-...
Top Gas or Grocery Card www.comparecredit.com/credit-...
Favorite Business Credit Card www.comparecredit.com/credit-...
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TAGS: american express, amex, amex plat, amex platinum, chase, chase sapphire, sapphire preferred, sapphire reserve, csp, csr, capital one, venture x, bilt mastercard, bilt card, business credit, best credit card

[@SteinerSE]

Mady a related video on wallets, favorite ways to store and carry cards for ease of use and protecting the cards?

[@robertm8380]

Wells Fargo discontinued Propel card was my favorite card and stuck with ugly looking Autograph card.

[@AlanaLGolden]

Thanks for the tip on Chase Business, John! Great video. 😊

[@cartermonroe4989]

Great info

[@RoseFlowTV]

So smart I learn something every video 💯

[@johnsfinancetips]

I appreciate that and thanks for the comment!

[@bryanacevedo4724]

This was mind blowing for me, keep up the good content!

[@johnsfinancetips]

Appreciate the support Bryan!

[@IAmCarterAnthony]

Loved every second of this video! Just like you my obsession is definitely credit cards w/ a touch of Spiderman lol. Keep up the great work John, I'm totally looking forward to the next one.

[@Breakerisaac]

Since military members can get the annual fee waived for most of these cards I immediately applied for the platinum, blue cash preferred, and gold. I'm chilling with the benefits and value these cards bring to me and my family 🫡🇺🇲 I was scared of using credit cards I got mine at 19 but when I watched you and another guy on KZbin said all this great stuff about them I decided to start applying for 1 every year since then.

[@eugeniasalim1173]

Wow!!! That's so cool!!! Didn't even know that! Thank you for your service!

[@johnsfinancetips]

Yes! Military is amazing for high fee cards because most banks allow waivers. Amex for example waives the fee for the platinum. Best of luck!!

[@mamijojo6446]

How about veteran?

[@RoninYoutube]

@@mamijojo6446Nope SCRA and MRA (I believe that’s the acronym) is not valid for veterans. Only for active duty and then is rarely checked when you aren’t active duty anymore as it’s just a rolling system plus they love loyalty. Sorry brotha

[@shereallylovesjesus]

Same, we have the Platinum & Gold for that reason!

[@user-np3up3sw7f]

❤

[@franciscomerino5586]

Your videos are really great John, I love the fact that you’re honest!!! Thank you!!!

[@user-tg4ow7zo5s]

I got approved for Mastercard fit platinum credit card they gave me 400 credit limit

[@user-tg4ow7zo5s]

It’s my 13th credit card

[@AirbornAdventures]

Can you make a video, how to get these cards, as a european, who doesn't life in the US?

[@412foto]

I have been on the credit journey for less than a year now..I have 10 cards. They pretty much all serve a purpose in a larger strategy. Pretty much have what I need right now to cover all of life's expenses with a 1.5-5x return (except for new Bilt for 1x on rent). Tempting to get a few more cards just to expand available credit and lower utilization further, but know they'd get little use beyond the initial sign up spend. Definitely liked the thrill of learning and stacking them (and enjoying some of the benefits and free travel already), but also know it is probably best to garden for awhile.

[@Erik-mn5zc]

Wow Im just finishing my first year of cards and have 4 total waiting 6 months for each except my most recent where I got 2 cards within the same hard inquiry

[@shojus]

👌 - Only 3 in my wallet... Looking forward to better my credit score in 2023-2024 so I can get into the high 700's or low 800's

[@SpencerJohnsonOfficial]

I'm a sucker for a good credit card collection, and this one did not disappoint!! Loving the setup John. I expect my setup to be just as big in a couple of years. The credit card game is super fun and profitable if you're responsible with your spending!!

[@marcusyoung5440]

Spencer, please see my question to John about how to know what’s the right number of cards. Is there a hotline for those who like the game a little too much? 🍾☎️😂

[@SpencerJohnsonOfficial]

@@marcusyoung5440 Hahah I don't think there's a help line for that. Luckily I made a video on it though 🤣 My summarized answer is... get ready for it... it depends! It really all depends on how much you can handle without being overwhelmed. Most every credit card lender will have specific rules about the max amount of cards/credit limits you can have with them, but if you're still getting approved for cards then there isn't anything to stress about yet. Just never overspend or miss any payments is my main advice!

[@caribdude8151]

John still has a way to go to beat Mark Reese! 😁

[@SpencerJohnsonOfficial]

@@caribdude8151 Ain't that the truth!!

[@johnsfinancetips]

That it is, crazy how much it's change in just the past 5 years though!

[@TheChemisch]

I just signed up for the chase freedom flex. My offer was 200 cash back after $500 and 5% back on groceries (up to 12k) And the rotating 5% month is on groceries as well... So no annual fee $200 cash back and 9% back on groceries. With the 1.5% redemption on my CSR that's 13.5% back on groceries. Just beautiful.

[@johnsfinancetips]

Love that and congrats on the card!

[@dobr4986]

I dont believe u get a double 5% back on groceries

[@TheChemisch]

​@@dobr4986 It's 9%. 5% back really means 4% bonus on the standard 1%. So its two 4% bonuses ontop of the 1% standard on the chase freedom flex. I'm looking at it now under the transaction it says: +addl 4%/$1 at gorccery stores in first yr 1,168.28 +bonus from 1Q 5% cat:Grocery Stores 1,168.28 +1%(1 Pts)/$1 on all purchases 292.07 Total Points 2628.63 If i wasn't getting 9% back I wouldnt have a jenga tower of club soda and ginger ale in my pantry right now 🤣🤣

[@dobr4986]

@@TheChemisch fair enough haha, so at standard the flex gives you 4% back on groceries? And then on top of that the 5% from rotating quarterly category?

[@TheChemisch]

​@@dobr4986 My intro offer was 5% back on grocery's for the 1st year and $200 dollars after $500 spent. So the 5% on grocery will drop off after that. Then just happened to be a 5% quarter as well. Flex doesn't offer anything special on grocery's normally.

[@johnsfinancetips]

Who else has cards just for bonuses and nothing else?

[@jesikblu]

That’s how I started, now I’m paying off debt. Thinking of closing sapphire preferred once it’s paid off.

[@AK2CO]

@@jesikblu can always downgrade/convert to a freedom card

[@jesikblu]

@@AK2CO already have a freedom, Disney, Alaska and discover

[@brettbailey2032]

@@jesikblu I think you can have up to 3 chase freedoms through a downgrade and there's nothing wrong with a phone call to chase to see if you can downgrade instead of losing a line of credit

[@UnnamedLoser]

@@jesikblu downgrade to an OG freedom

[@Imperialist_Boi]

The first step to stop an addiction is to recognize it

[@Human_Organic]

I like this kid's spirit

[@Edgarmotaa]

Hi John, could you create video where you discuss your top no annual fee credit cards? Not just for beginners.

[@elontusk2894]

Hey John, could you make a video on todays real estate market and what to watch for? Thank you!!

[@Blacksilver323]

I, too, have a collection

[@dalesharpy9197]

I have a debit. No credit card since 2007. Love it.

[@jjkenzo1215]

Great video! Question: I was told by a Chase rep that you're only allowed to have ONE sapphire product. How were you able to have both the Preferred and Reserve?

[@BrickUltra]

How do you keep your credit score up if opening new accounts affects the average age, also adds hard inquires which can lower score?

[@brandonknable7890]

Age is only 10% of your score, and more cards you have the less it affects it overall. Also inquiries dont matter as much as you think once you have more than 5 cards or so

[@lovinlife786]

When do you decide to close a card? What are the ramifications to doing this ie dropping your credit score?

[@rodrigodesouza8577]

I thought you had an Amazon Prime Visa card... No? Should I get it? I do use Amazon often

[@Canuck204]

I have 3 main cards and use them in order: Visa, American Express then MasterCard. My MasterCard I only use it for Costco in Canada.

[@Lawrence_McKnight]

Referring to your comment of “it’s the only premium travel card”… Doesn’t the Chase Ritz-Carlton also have priority pass with dining credit plus unlimited guest? Granted it’s discontinued, but if you own the Chase Marriott Bonvoy Boundless you can product change to it. Thanks for all your work. I listen to you regularly

[@johnsfinancetips]

You're for sure right! I just checked off the Ritz Carlton given the process and lack of public availability. Haha early in my credit card journey that was a card I eyed heavily for the free AU and PP

[@volttage]

i got 80K points on the chase sapphire preferred a few months ago

[@diamondshard2]

I currently have a 3 card set up, the Blue Cash Preferred, Chase Freedom Unlimited and the Costco Visa Card. Works pretty well and my thought behind it was I can always get the Gold Card at a later date when I see myself spending more on food when either I get a girlfriend or family, as I am single right now. So for my spending habits, it just makes sense for me to get the Gold later. I dont travel too much other than 2ish times a year at most domestically, so it doesnt make sense, but I am open to it in the future and maybe by then AMEX would have refreshed or updated the card with better perks or benefits. If not, I might look at the Capital One Venture X as my first high end card

[@wanderingdoc5075]

Start with multiple girlfriends, if you have a lot of girls they sense that and treat you better and you don't need to spend money on them. That's why I never understood that people are saying having a girlfriend costs money 🤑

[@johnsfinancetips]

Thanks for the comment Aditya, sounds like you've got a clear roadmap laid out. Love it!!

[@Slaize]

The gold kind of pays for itself with credits. I mostly jumped on the gold when it had a 90,000 point sign up bonus and $200 statement credits on dining.

[@412foto]

Hope you share how you got both the Reserve and the Preferred.

[@jonathanfactor6688]

Great video thanks right now I use the united airlines explorer card the best buy card the city rewards plus card and the m life las vegas card from the bank of Omaha.

[@86biswajit]

how do you get both chase sapphire reserve and preferred?

[@skyllerkyller]

I have a USAA platinum visa, Apple Card and the freedom flex. That being said the flex is my daily driver and I mainly spend on groceries and eating out and also gas. I am wondering if I should add the gold card to my lineup or get the unlimited and the preferred to have the trifecta. I am just not sure which route to take. (Also I’m a family member of non active duty so unfortunately the fee for Amex will not be waived). Any thoughts?

[@carolinareyes756]

I just recently got approved for the Amazon prime on New Year’s Eve for a new couch we got ( I mainly got it to build a “chase” relationship bc I’ll be over 5/24 this year) And today I applied for the Amex Gold and got approved 😄 Now I’m hoping later this year I’m hoping to get the Apple Card and the Capital one venture X complete a capital one trifecta 😉

[@johnsfinancetips]

Congrats on the latest card approvals Carolina!! Also love the plan you laid out here, thought I'm not the biggest Apple Card fan. Any particular reason you're thinking about adding it?

[@carolinareyes756]

@@johnsfinancetips mostly bc I’m a big Apple Pay user (I pay my car insurance that way) and I’m planning on upgrading my AirPods and Apple Watch. But if you have better suggestions to replace it I’m more than open to looking for a card with a sign up bonus for these types of transactions !

[@johnsfinancetips]

@@carolinareyes756 Gotcha - totally makes sense. As long as you're using the 2% via apple pay then you're in the clear! The easiest way to save for both those purchases is to get any no annual fee card with a sign up bonus. Coincidentally my video next week is on apple card alternatives. To give you a sneak peak take a look at the BoA Customized Cash or Amex Blue Cash Everyday. Best of luck!

[@carolinareyes756]

@@johnsfinancetips thank! Looking forward to the next video 🙂🤝🏽

[@iceboi714]

It was mentioned to sign up for certain cards just to close it (i.e. Amex Plantinum) and getting rid of it if they don't offer a retention bonus. Does one downgrade the card or close it out at this point? when would you consider closing out cards vs downgrading?

[@dashy8792]

Yes, i know $95 - $40 = $45

[@KelvinNiii]

Hi have a question, really hope you can answer it for me. I gonna sign up for a AA card just for the welcome offer, gonna cancel it after 2 month will that affect my credit score? Been searching all over internet could not didn’t he answer. Thanks

[@Lifeissorich.]

AMEX Platinum is 6,000 in 6 months.

[@caushikrajesh1365]

Hi John, how do you have 2 Chase Sapphire cards (Preferred and Reserve)? Isn't there a 1 Sapphire rule?

[@johnsfinancetips]

It's a very grey area, but there is a thing known as the modified double dip. This was do-able as of my last checking in 2021. Basically applying for both cards and getting approved on consecutive business days within 24 hours. Hope that helps!

[@Tony98195]

I thought you can only have one of the Chase Sapphire card, either preferred or reserved. is it not?

[@otakubaka139]

I have 2 DiscoverIt cards & use them both along with my Cap.1 QS and SavorOne + currently using my BofA cards for the bonuses!

[@someguy2345]

Chase Freedom Unlimited comes now with $200 SUB after $500 spent in 3 months instead of double 1.5% up to 20k during the first 12 months.

[@grod805]

I have 20 credit cards. None of them have annual fees. My average age of accounts is 3 years 6 months. I will probably wait until that goes up to 4 years before I apply to more

[@Plazali]

Man, seeing someone have the Sapphire Reserve, Amex Platinum, Plat business, Amex Gold, AND the Venture X simultaneously is a fever dream and a half for those annual fees

[@michaelmilliken8346]

John, can you move points from Bonvoy AMEX to Bonvoy Chase?

[@thefront5871]

How many credit inquiries do you have on your report? I try to keep mine down to no more than 3 if possible just incase I need to apply for credit. I don't want to look like I'm constantly looking for more credit to creditors, right?

[@Hunter-ox6kh]

I have the freedom flex and I want to get another credit card for the bonus but no annual fee. Is it worth it to apply for the freedom unlimited for the $200 bonus?

[@kmb6916]

I'm seeing the same SUB on both Freedom cards.

[@johnsfinancetips]

Interesting - I should have specified I was talking about this one: www.comparecredit.com/credit-cards/chase/freedom-unlimited?

[@rando9015]

About 6 years ago chase had a plain sapphire with $0 annual fee. They ended that fast😂

[@yekaneast]

If you have a schwab debit card, why not get the Schwab AmEx Platinum?

[@faystafford2195]

Hi, quick question. I was under the impression that you can’t have both the chase preferred and the reserve.. how’d you get both?

[@AutriBanerjee]

nah u can get it as long as you follow 5/24 (opened less than 5 credit cards in the past 24 months)

[@thefront5871]

Umm... PayPal Business Debit card pays me 1.5% cashback! Chase's offer is nothing to me!

[@goatof2k716]

How do you have both Sapphire cards?

[@alleneng]

how many of your 19 credit cards have annual fee? and whats the total for all the fees?

[@marcusyoung5440]

Fun video! 1. How do you fulfill the 4 monthly transactions + rent requirement for Bilt? 2. As someone who isn’t a pro at this but quickly catching up to you in thickness of the card stack 🫣 what’s your advice on finding the right number of cards? It could get out of control? 3. Would you recommend the Alaska business card now, or has that ship sailed?

[@johnsfinancetips]

Thanks Marcus, and appreciate the questions. 1.) set up auto-reload on amazon 2.) honestly I've never been a big spender. my goals has always been to pull down the SUBS. So I would prioritize business cards to avoid cross 5/24 until there is a SWEET offer out 3. not sure the SUB now, but I will value Alaska miles high for at least this year and if I could I would get another one haaha

[@yabinc]

Do you keep all of them open or have some closed?

[@rodmarcano]

Hi John what you think about the X1 credit card? And the Sofi credit card?

[@chasliveslife]

Hi John. What do you think of the Barclays AA? They were pushing it hard on my last AA flight. Does the business card report to your personal credit report? I’ve seen mixed reviews about that online with this card in particular.

[@johnsfinancetips]

I love my AA miles, I would jump on another bonus if I could in heart beat!

[@DivaniKingston]

@@johnsfinancetips I was offered the AA aviator red for 60k miles no AF for the first year and no min spend. Should I do itm

[@mikalmandichak8328]

For someone so deep in the Chase Ecosystem I'm surprised you don't have the amazon prime card for the 5 points on Amazon spend.

[@Lifeissorich.]

He probably doesn't buy enough from Amazon enough to get it considering you need to be under 5/24. He'd rather get a big sign-up bonus than $100-200 sign-up bonus and 5x back.

[@mikalmandichak8328]

@Rezalion amazon prime card doesn't have 5/24 since it's co-branded

[@TheAuditorMoment]

@@mikalmandichak8328 it counts , the thing you mention only means you’ll get approved even if over 5/24

[@johnsfinancetips]

It's that pesky 5/24!! haha - maybe later this year I'll drop to 3/24 I can burn a slot for it

[@Nightmaregames_original]

I do love the information but it’s overwhelming for regular credit card users. It’s a lot to worry about spending to reach bonuses, which card to use for what type of purchase and which points snd portals to use to redeem…..ugh. Grab a couple cards that fit your life style with decent points and live your life.

[@johnsfinancetips]

Good point! My focus since getting into credit cards has been premium travel. But agree sometime simples is better. Thanks for the comment!

[@martinaltmann1658]

I have 157,000 Avios points. I would love to fly first class one day. Qatar and British Airways seem very complicated to book a reward flight with. Can you do an Avios video with many different ways of how to use? 🙏🏼 thank you!

[@Jack-nn6ff]

you keep on mentioning that capital one quicksilver gives double cash back for the first year (3%). i don't see that anywhere, can I know the specifics pls?

[@aamirecan]

Good photo on the video card. Lol

[@johnsfinancetips]

haha thank you!!

[@MaRio-vm2wc]

I have no idea how people with many accounts get approved for the venture x card but when I apply they say “ i have to many revolving accounts” when i only have 6 like wtf

[@edogg2832]

Where are you seeing that’s the sign up bonus for the freedom unlimited? I’m still seeing $200 back after $500 spent in 3 months plus 5% cash back on grocery up to 12k spend in the first year

[@wguevara86]

Same here. I don't see the double cash back offer.

[@johnsfinancetips]

That's interesting - this is where I'm seeing the double cash back offer for the Freedom Unlimited. www.comparecredit.com/credit-cards/chase/freedom-unlimited/?

[@jbuck8338]

How do you have a Sapphire Reserve and a Preferred? Chase only let's you have one Sapphire card.

[@davew4247]

I have four cards and it's probably three too many!

[@DeportillegalAliens]

I have 120 cards

[@MrMohaa1234]

I want to get the Brilliant of the Bevy, can any of those 2 be downgraded to the $95AF Marriott AMEX?

[@johnsfinancetips]

Great questions Mohamad! So Amex only has 2 Marriot cards on the personal side and neither are $95. You might be thinking about the Chase Marriott cards, in which case you won't be able to downgrade to them.

[@MrMohaa1234]

@@johnsfinancetips there’s an old Marriott Amex for $95 that you could downgrade to. I’m not sure if you can downgrade the new ones or not

[@benitojr468]

question: you mention you close credit cards. Dont that kill your credit score?

[@kambam172]

I want to get the BILT card. Just to make sure they will double the amount of point you get on rent day. Therefore, every point category is doubled correct? Also will they make a version for mortgages? Thank you @john Liang

[@matteog535]

I got the card two months ago and it works great! I think it works for mortage too but not sure(some people say so). On the first day of the month you get double points but not on rent. And because its still a new CC they offer new things every month. They offered me 7X point the first week I opened it

[@johnsfinancetips]

Great question and Matteo above nailed it. Everything doubles on rent day (except rent lol). And you can't use it yet for mortgages

[@matteog535]

@@johnsfinancetips good point!! And of course I found the credit card thanks to you John! I want to apply also for the Venture X, that would be my first top tier in my wallet( having the BILT and Gold Amex + Venture X I think that’s all what I need)!

[@daniellewis984]

I figured out that 4% on up to $500 of spend is just $20. So if that's the limit for 12 months, they're offering $240. With a $250 annual fee, I don't see the point. I have yet to find a card that actually meaningfully offers better than the 1% cashback one I have.

[@noahwilliams8918]

How did you get two Sapphires? I thought there was a one Sapphire at a time rule?

[@johnsfinancetips]

super gray area but search up modified double dip...shhh you didn't hear it from me haha

[@Chanchito.]

How do you deal with annual fee from these cards?

[@JaSoundz]

How harmful is it to your credit profile to close a credit card account?

[@jjkenzo1215]

Quick note: I just signed up for the Amex Gold w/ 90k bonus by using VPN and incognito ;)

[@huetang]

and all those unused cards are not in danger of being closed by the companies that issued them?

[@biancaisabel5642]

the wallet app on your phone must be crazy 😂

[@johnsfinancetips]

haha I try to limit it best I can

[@mathewmclean9128]

What wallet is that? What brand is it? I'm interested in getting one of those on Amazon.

[@chriseverydailyshow4164]

Wait?! You said at the end o e would have to spend hundreds of thousands to get 100 thousand points? Can you clarify?

[@Wailun452]

What's the best purchase protection credit card?

[@johnsfinancetips]

Amex, specifically from their higher tier card like the Bonvoy Brilliant, Gold or Platinum. They seem to handle a lot of the claims in house. When I has to file a return claim for return protection it was processed within 2 weeks!!

[@andrewlopez4160]

I have venture x does the travel overlap each other ex if I don’t use it first year would I still get the $300 next year so total $600?

[@johnsfinancetips]

Great question and no it wouldn't carry over. So it's very much use or lose. Best of luck!

[@andrewlopez4160]

@@johnsfinancetips does that include the 10,000 annual points does that roll over?

[@talismanjr]

i am... Humbled.... just applied for the city custom cash and got denied i lowkey thought i was going to get approved since i haven't applied for credit for a while now about 6 months now

[@MedianaDhea]

Wow so manyyy 👏🏻 I have only 3: Bilt Mastercard Alaska Visa Hilton Honors Amex (the no annual fee one) 😅

[@eugeniasalim1173]

I heard about BILT. What's good about it? Do you mind sharing??

[@johnsfinancetips]

Simple is always best though! haha I wish I had less

[@MysterioTGN]

@@eugeniasalim1173 Rent, it's the only card where you can earn on your rent.

[@jamhot6]

How much do you spend per month?

[@MelissaC269]

John, call and ask if amex has an upgrade bonus for you on the everyday. I called last minute, literally at the point that I needed to spend 4k last, and they upgraded mine to everyday preferred. I had to pay the $95 annual fee but they gave me 40k MR for a $4k spend. I will just downgrade mine to an everyday next year. But because of all the bonuses I've been getting on it, including the 5x Amazon bonus during Christmas and their 50% bonus when you do 30 transactions, for two whole months, I had put groceries on it 3x normally but with the 50% boost it was 4.5x on groceries, and on Amazon that 5x turned to 7.5x Well worth the annual fee for those and the 40k. I will downgrade unless they can continue to provide these offers/bonuses. It's made me bank!

[@JasonBurgOfficial]

What do you think will happen with the Marshall Durbin bill ?

[@JoshDoesTravel]

It's pretty much dead at this point. They attempted rushing it in to one of the budget bills, but it got taken out (thankfully). Have not heard any updates on it since, and I'm pretty sure it won't pass committee if it does get introduced

[@johnsfinancetips]

nada, like BWI above me said it's more or less a dead bill

[@amichii19]

The random costco card 😂😂

[@asianriceballz]

Amazing credit card collection John. Great video content per usual! My current credit card collection are: Amex Blue Cash Everyday Amex Gold Amex Platinum Amex Delta Skymiles Reserve Amex Hilton Honors Aspire Amex Marriott Bonvoy Brilliant Chase Sapphire Preferred Chase Freedom Unlimited Chase Freedom Flex Chase Amazon Prime Rewards Chase Southwest Rapid Rewards Priority Chase World of Hyatt Citi Premier Citi Double Cash Citi Custom Citi Costco Discover It Cash Back Apple Venmo Looking into adding the US Bank Shopper Cash Rewards and possibly start a Capital One lineup soon. Some of my friends think I'm crazy with my credit card obsession but it's a fun hobby 🤣

[@johnsfinancetips]

That is quite the list!! I been eyeing the Amazon card but 4/24 is keeping me away for now. 2023 strategy is keeping up with business applications. Barclays and a few Chase ones still to go. By March I should dip back to 2/24 so that'll give me some more wiggle room

[@asianriceballz]

@@johnsfinancetips haha I've been in the credit game since 2012 and ever since I graduated in 2016, I fell more in love with them. It took me a very long time to acquire all of these!

[@romanh2573]

After I did the pre approval thing on the Amex website it offered me a platinum and blue cash. But when I stayed on the browser and went to the gold it changed its offer to 75k points! This was 1/12/23 for reference.

[@johnsfinancetips]

appreciate the share on that!

[@CamyGee]

So if i close a cc i can apply again and get a whole new bonus points?

[@mcgeoffroy92]

Don’t close the personal cards. Downgrade to a free card. For example downgrade the chase reserve to freedom

[@CamyGee]

@@mcgeoffroy92 can i open again and get the points? I heard amex only offers it one time per card right

[@mcgeoffroy92]

@@CamyGee Amex not quite. Sometimes 7 years . Sometimes when your signup offer didn’t have the lifetime verbiage. Chase saphire every 4 years. Ink unlimited every 2 years from when you received the bonus

[@CamyGee]

@@mcgeoffroy92 thanks

[@johnsfinancetips]

That's exactly it! Usually the waiting period ranges from 24 - 48 months. Totally depends on the card though!

[@ImStillStealingSteel]

Im 20+ cards and planning on getting more 😊❤😊❤

[@ratchfordgeorge]

Why

[@johnsfinancetips]

Let's goo!!

[@Riptide_721]

What do I need to do too get the 300 credit for the venture x? Do I need to spend a certain amount on travel?

[@WealthOfOpportunity]

use the capital one travel portal for purchases

[@Riptide_721]

@@WealthOfOpportunity yes but is there a certain amount I have to spend?

[@JoshDoesTravel]

@@Riptide_721 No, the travel credit is not based on spend. You get it when you open the card and on every account anniversary

[@johnsfinancetips]

Super easy, you just purchase travel via the Capital One Travel portal. Then you should have the credit back for $300

[@johnsfinancetips]

How many credit cards do you hold in your wallet?

[@sungjeh]

3 in the wallet and 2 in the sock drawer

[@kaymicah5309]

4

[@AmeNoMessage1688]

4, looking forward for the next 2

[@Lifeissorich.]

Probably 6-7. I have 19 total.

[@MedianaDhea]

Only 3

[@jeramydavin4061]

got a 90,000 point offer on amex gold 👀

[@johnsfinancetips]

That's amazing!!! Congrats and jump on that!!

[@WealthOfOpportunity]

did you have both sapphire cards at the same time?

[@johnsfinancetips]

that I did ;)

[@WealthOfOpportunity]

@@johnsfinancetips auth user for one and primary for one? Or both? ;)

[@johnsfinancetips]

@@WealthOfOpportunity it's a super gray area but I made a video on it called the Chase Modified Double Dip. It's a hack to pull off 2 sapphire bonuses.

[@floodercw]

I think the 150,000 sign-on bonus is going to be expired after today (1/11, 2023

[@floodercw]

Yeah, the public offer now goes down to 95k Marriott points

[@johnsfinancetips]

Great catch on that!

[@thericecracker3396]

I just got a 90k bonus for the amex gold

[@johnsfinancetips]

Congrats and enjoy the card!!

[@slightlyMADscientist]

No Hilton cards? I was thinking about upgrading from the surpass to the aspire if i get a good offer from Amex.

[@johnsfinancetips]

Not yet! I got trapped into Marriott by way of the SPG merger. Then from 5/24 I've been heavily valuing Hyatt points. So right now I'm 7 year Platinum Marriott and just hit a Globalist Challenge for 2023. The Aspire is a solid Hilton option though!

[@slightlyMADscientist]

@@johnsfinancetips thanks for replying!