10 Best First Credit Cards for 2023 (WATCH THIS FIRST)

Рет қаралды 40,780

Күн бұрын

💳 Sebby's Card Picks: www.asksebby.com/go/cardpicks Click "Show More" to see Ad Disclosure.
💳 Learn more about the Chase Sapphire Preferred: asksebby.com/go/csp
More Chase Freedom Unlimited: www.asksebby.com/go/cfu
More Venture X: www.asksebby.com/go/venturex
CSP vs CSR calculator: www.asksebby.com/credit-card-...
Who qualifies for business credit cards? • Who Qualifies for Busi...
Timeline
0:00 Start Here
0:33 Student or Secured Credit Card
1:58 Chase 5/24 Rule
4:02 Chase Freedom Cards
5:17 Chase Sapphire Cards
6:12 Chase Business Credit Cards
7:45 Choose Your Own Adventure
8:44 Capital One Venture X
9:35 Citi Premier
10:36 Choose Your Own Adventure
12:51 Other Issuers
13:41 Optimal Strategy
---------------------------------------------
Securely browse the internet:
🦈 83% Off + 3 Months Free VPN Deal: surfshark.deals/ASKSEBBY
Free Stocks & 💸:
📈 Get Free Stocks on Moomoo when you deposit $100 (limited time offer): www.asksebby.com/moomoo
📈 Get 2 Free Stocks on WeBull when you deposit $100 (limited time offer): bit.ly/AskWeBull
🛍️ Get a $20 Bonus after spending $20 at Rakuten: www.asksebby.com/rakuten
🎥 My Entire KZfaq Camera and Recording Equipment: www.amazon.com/shop/asksebby?...
---------------------------------------------
Advertiser Disclosure: Some of the card links and other products that appear on this website are from companies which AskSebby will earn an affiliate commission or referral bonus. AskSebby is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.
The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available
-----------------------------
Follow us for updates:
KZfaq Subscribe: bit.ly/subscribeasksebby
Newsletter: bit.ly/asksebby-mailchimp
Facebook: / asksebby
Twitter: / asksebby
Instagram: / asksebby
Mandy's KZfaq: / mandyroams
Mandy's Instagram: / mandyroams

Пікірлер: 184

@AskSebby 11 ай бұрын

💳 Sebby's Card Picks: www.asksebby.com/credit-cards CSP vs CSR calculator: www.asksebby.com/credit-card-reviews/csp-vs-csr

@alcrawf1407 11 ай бұрын

I have three capital one cards.

@MichaelMcNeeley 11 ай бұрын

Quick note, Capital One does not limit you to two cards. That only applies to their sub-prime cards. I had a QuickSilver and Venture for many years and applied for a SavorOne this year with no issue.

@d.supreme8592 11 ай бұрын

Had this issue when I first started in the credit game. Had over 15 cards 🤦🏾‍♂️ but that was over 10 years ago and I’ve since got it down to 3 cards that suit my lifestyle

@Scrappygymrat 11 ай бұрын

That’s not really a flex

@OliKayTravels 11 ай бұрын

I dont think he was flexing

@d.supreme8592 11 ай бұрын

@@OliKayTravels yea I wasn’t flexing. Don’t know where in my comment I was trying to flex.

@WealthOfOpportunity 11 ай бұрын

Great concept to go over how you’d start over. However, I can confirm it is possible to have 3 personal active cap 1 cards (as pointless as one of them is) as I have a Vx, S1 , and quicksilver

@NamNguyen_CPA 11 ай бұрын

🐘 Finished my gardening from Chase 5/24 and last few months was approved for Marriott Boundless and Aeroplan card. Kind of regret not jumping on Venture X when the card came out, but was super focused on getting back on the Chase bus. Now hearing about how strict Capital One is makes me hesitant if i should apply and also use those 5/24 slots. Anyway thank you for the content Sebby!

@mostlyfreetravel 11 ай бұрын

Great video Sebby! I totally agree about getting a Capital One card earlier. Many FB groups focus on getting it later…but by then they don’t want you! 🐘

@ksprincess 11 ай бұрын

🐘 I love this video! I did Flex, CSP and AmEx Plat (welcome bonus was too good). Player 2 did another Flex and Amazon. Working well...but Plat may not be a keeper...

@hym8nc1 11 ай бұрын

🐘 Learning a lot , thank you

@ascubapro 11 ай бұрын

Another good one. Your choice of cards are perfect. 🐘

@AskSebby 11 ай бұрын

Thank you! 😊

@yvjyang 11 ай бұрын

“Capital One has Main Character energy” 💯💯 lol. Let’s gooo!!

@TheYeti 11 ай бұрын

🐘 just a dp but I started with chase freedom student a month or two after I turned 18 with no prior credit, and around 6 months later got the CSP.

@fivoxtv 11 ай бұрын

Hey Sebby! Just wanted to leave a quick data point for your point about the two personal card limit for Capital One (9:30). I got the Capital One Journey student card (later product-changed to Quicksilver) in Fall 2020, the Venture X in Fall 2022, and the SavorOne Student in Summer 2023.

@AskSebby 11 ай бұрын

Thanks for the data point!

@SpencerJohnsonOfficial 11 ай бұрын

🐘 Luckily I got started with the Chase Trifecta (after PCing my Chase Freedom Student to the OG Chase Freedom) but right after that, I moved out of Chase for a while. If I could do it again, I'd go for even more Chase cards off the bat to maximize my 5/24 status. This is a solid blueprint for sure!!

@shawnrose662 11 ай бұрын

Thanks!

@AskSebby 11 ай бұрын

Appreciate you! :)

@iTzDritte 11 ай бұрын

🐘 The Ritz-Carlton Rewards card would definitely be in my first 10.

@justinjohnston6266 11 ай бұрын

I'm new to the travel card game so may have went about this wrong, but i got the csp first for the 80k bonus. Then my player 2 got the flex. Then since it can be hard to get C1 and i wanted lounge access for trips coming up i got the venture x. Using the venture x for lounge access and the 2x catch all then flex and csp for their bonus categories. Interestingly i haven't seen anyone mention that if you do Walmart scan and go it's coded as online grocery for the csp

@dogfoodbonanza 11 ай бұрын

🐘 love the set up strategy. Definitely gonna get my player 2 started soon on her CC journey. Any particular reason you opted for the Chase IHG Premier over Chase Bonvoy Boundless? Thanks!

@RipVondy 11 ай бұрын

A jam packed video for sure. I definitely went about my journey differently and plan to start adding chase business cards in October of this year. Then I want the bonvoy boundless to upgrade to the ritz. Lastly the world of Hyatt. That’s the plan for now unless I get a 150k Platinum offer that I can’t resist.

@AskSebby 11 ай бұрын

Hopefully the increased Amex Plat offers come back!

@Msjaniceelaine 11 ай бұрын

150,000 offer expired in April. I plan to catch the offer when it roll back around and it will.

@treasurehunter1713 11 ай бұрын

🐘 Great content Seb. Where would Amex come in on your timeline? What about Marriott & Hilton?

@AskSebby 11 ай бұрын

Amex would be last due to the once in a lifetime rule. Get the cards when they have an elevated bonus.

@Valente_Quintero 11 ай бұрын

🐘 for me, it worked out that I did it in a similar fashion. I was in LOL/24 for a while too though

@AndysCreditCorner 11 ай бұрын

🐘 I haven’t really second-guessed the cards that I’ve gotten so far, it’s really more about wondering if I should have gotten started sooner. I have the USBC+, CSP, Bilt, CFF, CFU, and VX. For cards #7-10, I’m guessing it will be the CIC, C1S1, CIU, and some card that isn’t on the market yet.

@theanimecompletionist 11 ай бұрын

Just some DPs I got approved for over 3/12 with BofA Alaska Card. It’s not an instant approval but not a hard rule.

@jacob-t-s 11 ай бұрын

🐘I've had a lot of missteps. Currently in Amex popup jail (at least I got the 150k Platinum SUB before that), got way out of 5/24 range, denied for Venture X due to amount of cards, and wasted 5/24 slots. I'm at 11 active cards now and waiting until I'm under 5/24 before I bother with anything else. Random question Sebby, how many active cards do you keep at a time? That organizer is thick!

@yankeesgiants221 11 ай бұрын

🐘 Hey Sebby, Allen here. Personally, after Chase, due to 6/24 (and I used AA miles to book that first class trip to Japan), I would focus on Barclays before Capital One. If one has gotten Ink cards and eligible for business cards, I'd do Barclays Aviator Business (to stay at 6/24), then the Barclays Aviator Red. Afterwards, it would be a free-for-all. I would also mix in the CitiBusiness AAdvantage Platinum Select to go along with the personal version to beef up on those powerful AA miles. Fortunately I don't regret skipping out on any credit issuer (particularly U.S. Bank) because those rewards don't benefit me. Once I get back under 5/24, I'd go for the Chase Aeroplan card since those miles can be powerful for travel to Asia as well.

@debbiericker8223 11 ай бұрын

We have an ancient Amex Skymiles with 150k miles and 2 other old cards with minimal points. I am considering starting with the Southwest Rapid Rewards Premier Business card for the 120k bonus (spend $15k within 9 months). I'd time it to reach the $15k spend in January, so then I'd have at least 135k RR points (120k+15k) to qualify for a SW Companion Pass that would be good for two full years. After that, I'll go for the Sapphire Reserve or Venture X for the travel perks.

@livelife1899 11 ай бұрын

🐘 Do you have this visually plotted on a timeline on your website? That would be helpful!

@woodzy883 11 ай бұрын

I kinda went about it completely wrong and now I am gardening at 6/24 until next year. And in pop up jail. I feel the discover it is also a great option. And like most people also in pop up jail. All I am really missing at this point is the freedom unlimited or the business version of it.

@mmmmmray 11 ай бұрын

🐘Requesting a video on how you go about planning your points for a trip you would make in 6-12 months!

@AskSebby 11 ай бұрын

1) Look for destination 2) Search best hotels in area; see which look worth staying at / reviewing 3) Check points value and whether it's worth it 4) Look for availability 5) Repeat #4 :)

@getecknics 11 ай бұрын

🐘Currently have the Venture X and Apple Card and 2 older cap1 starter cards. Since I’m at 2/24 I’ve got room to play sitting on 90k offer for Amex gold but I just don’t know where to go from here. I have side a business but the minimum spends are so high I just don’t think I can justify it

@Davidgetthem 11 ай бұрын

I put 500 down to secure lebanon federal credit Union card got a home depot card. Then I got the eBay extras to be specific. Then I went to Chase for the freedom. Then I went to Then american express everyday blue cash Back then, I went back to Chase for the freedom Flex got a Lowe's credit card. Then I got a piercing pagoda credit card. Then I went back to Lebanon federal credit Union and got their platinum card. Which is one of my favorites currently.

@diegovasquez2621 11 ай бұрын

🐘🐘🐘🐘 Wish I applied for the venture X when it had the 100K SUB. Such a good keeper card with the $0 effective AF.

@Th33Vultur3 11 ай бұрын

I would have kept my Citi Card that I opened in May 2000, just kept it open and not let it cancel due to inactivity. It was closed with 100% good standing in 2015. Its my one of my only regrets.

@docsays 11 ай бұрын

Im pretty content with my current collection of 21 cards. Only thing I would do differently is add a hotel card sooner

@Airickickz 11 ай бұрын

hey! @8:31 you talked about stacking hotel nights, free anniversary nights expire after 12 months, so are you talking about getting 1 IHG and 1 bonvoy card and staying at 2 hotels? Or what exactly are you talking about? Thanks!

@donnieconnie851 11 ай бұрын

🐘 1. WF Credit Card(Just upgraded to the autograph.) 2. Chase Amazon(Used for all my spend.) Have had those before 6+ years. After watching some of your videos, I picked up two more: 3. C1 Venture X (Wanted to combo this with the Frontier GWP, and my homebase is DFW.) 4. Wyndham Business (Stay at Wyndham often for my budget stays, and have a trip to LV, so wanted the Caesar's status.) Not sure where to go from here, P2 has the SavorOne, so I don't feel compelled to complete the "Duo": 5? Sapphire Preferred/SavorOne (Not really using the WF Autograph, so could use the 3% on dining.) 6? IHG Premier/IHG Premier Business: (Usually stay at IHG for luxury stays, but feels odd to pickup another Hotel card so early.) Thanks Sebby!

@ds5651 11 ай бұрын

Chase Freedom, Chase Flex, Chase Preferred and World of Hyatt.

@xXxKingjonxXx 3 ай бұрын

🐘 if you don't get the savor one at the very beggining do you get it as your first card with CO or with all the history and credit you have, would it be better to get the venture x?

@clausellray3949 11 ай бұрын

Wow that was a great video once again, that one is a great view for someone who is just starting out definitely. I will look at your video a few more times so I can set my kid up, they r authorized on 2 of my NFCU No annual fee card but I want them to get their own since they r off to college I will look at the first card you suggested. Once again great content keep it coming thanks for sharing

@dylanschang6386 11 ай бұрын

You talked about product changing the Chase Student to a Flex or Unlimited. I currently only have the Student and am coming up one one year. Should I product change to one of the two (flex or unlimited) and then apply for the other one? I lose out on one sign up bonus but I keep my status at 2/24 rather than 3/24. Thoughts?

@ayushkhandelwal8516 11 ай бұрын

what about the bilt card? i think it can be added after the chase 5/24.

@andyyylin 11 ай бұрын

My major L is doing both freedom student and discover it student as card 1 and 2. Discover it is so powerful even in the mid game that my freedom student is just on the sidelines

@MrLeoAndres 11 ай бұрын

I would do/am doing the Hex Duo: Chase- CSR & Freedom/Flex Chase Ink- Unlimited & Cash Chase Hotels- Hyatt & IHG Capital 1- Venture X & Savor One Amex- Platinum & Gold Amex Hotels- Brilliant & Aspire Each card covers a unique category and all cards can turn around in positive value after the AF. My first card is from WF and hoping one day I can PC to the BILT. All I need left is the savor one but with 10 personal cards, idk if it will happen. 🐘

@AskSebby 11 ай бұрын

(love the naming convention!)

@rauyeu1 11 ай бұрын

Hi Sebby. You mentioned the Chase Southwest Priority as a keeper card. How does that work if someone does the SWA Companion pass every 2 years via signup bonuses using the Chase SWA personal and business cards? Are you saying we can have more than 1 Chase SWA personal/business card at a time? 🐘

@lilroscoe1000 11 ай бұрын

🐘 I've noticed no American Express account in the early stages. What route would you recommend for American Express (personal and business) if playing the long game? Most interested in amassing a lot of MR points for a redemption in 2024 or 2025. Overall goal would be to maximize international travel redemption.

@AskSebby 11 ай бұрын

There's not really a route for Amex. Mainly the "once in a lifetime" rule, so the strategy is to apply for cards when there's an elevated offer.

@thejokerspeaks 11 ай бұрын

I skipped Chase until the late game, and am thankful I did. Completely incompetent with chargebacks, so I'm headed back to Capital One Spark. A personal IHG or Hyatt card, and call it a day. Venture X is the best card overall, early or late game.

@AskSebby 11 ай бұрын

What chargeback situations have you dealt with? :)

@thejokerspeaks 11 ай бұрын

@@AskSebby I had a vender pull a bait and switch with prices and product. We couldn't come to an agreement, so I shipped everything back. I have tracking proof, email acknowledgement. I was never given a chance to offer proof. $725 originally charged on March $525 Disputed in April (Did Chase typed the number wrong?) $150 re-charge in July $275 re-charged in July. $275 re-charged in July. $275 refunded in July. What the heck is going on here?? I called Chase 3-4 weeks ago, they claimed that they made a mistake, and were currently confused. I was told I would get a letter in the mail explaining shortly. Still waiting...

@herrmuntz9711 11 ай бұрын

Last? 🐘. Sebby I have 8 consumer and 4 business. At the beginning it was torture when Applying, so I stopped Applying for Barclay's . Then I discovered your channel And Applying was like riding a slide. (NO Barclay cards) I Thank you.....

@AskSebby 11 ай бұрын

Glad the content was helpful! :)

@Forestgump14 11 ай бұрын

I'm very familiar with Chase's 5/24 but how many Chase cards are too many?

@davidc8937 11 ай бұрын

@asksebby my Hyatt business card shows up in my personal credit report. Did I do something wrong when filling the application? I was sure to fill in TIN rather than SSN unless forced to. What do you think happened? Or should I ignore that it's even there? The card put me at 5/24. Thanks!

@SolidLiquidFox 11 ай бұрын

🐘 the one thing I have learned is that hotel cards tend to be more powerful than airline cards. It also pays to have good relationships with Chase, Amex and Citi regardless of bonus hunting.

@ziggy29 11 ай бұрын

If nothing else, it's a lot easier to get hotel status with a credit card than it is with the airlines.

@ss4adam 11 ай бұрын

🐘hey sebby, why do we get the student card and then turn it into a savor-one? Was it because savor-one is hard to get or because the student has some better welcome bonus or avoids a one time fee? Everything else was clear in the video!

@sirsno0py 10 ай бұрын

Seb I opened a personal line of credit with my bank will that affect my 5/24

@Scrappygymrat 11 ай бұрын

Idk man I called chase and they said as soon as I pay off my closed slate I would be immediately eligible even with my 7 cards opened . Since I had a card previously

@vinhsanity 11 ай бұрын

I think the Chase 5/24 is a soft rule, because I was at exactly 5/24 with 4 months before falling below it, and got a business card without issue. I also have a decent holding with them though, so maybe that’s influencing it some?

@terrelmoss1444 11 ай бұрын

My Redo Setup 1. BOA Customized Cash for Students 2. Citi Double Cash 3. Chase Freedom Flex 4. Amex Blue Cash Everyday 5. Citi Custom Cash 6. Wells Fargo Autograph 7. US Bank Cash+

@bravomike1969 11 ай бұрын

What would you prefer for a hotel keeper card? I have the WOH already and looking for another hotel card, would recommend the boundless or IHG ?

@runforrestrun2428 11 ай бұрын

Just depends on where you travel my friend and what hotel brands are there. I live in San Diego and I have all 3. I try to stay at Hyatt hotels but my second option is Marriott then ihg. Ihg is easier to use in terms of booking stays with points and with Marriott, you will end up having to use more points for stays.

@zacharydingo 11 ай бұрын

Are you still not able to talk about Discover cards?

@user-ys9mu4je1p 11 ай бұрын

🐘 could I pay for college tuition with Ink Business Unlimited to meet SUB, or would that be against the business card policy?

@Re3iRtH 11 ай бұрын

Sitting on 20 personal cards, 4 business cards, and almost $7,000 in annual fees - I'm a happy camper. Was able to apply for eighteen of these cards in the last 18 months picking up a lot of all-time high signup bonuses. Last two years has been a lot of luxury international trips for little to no money.

@GWUJO 11 ай бұрын

😂

@SUYNIEMLOICHUA1 11 ай бұрын

Had over 15 cards 🤦🏾‍♂ but that was over 10 years ago and I’ve since got it down to 3 cards that suit my lifestyle

@vinhsanity 11 ай бұрын

Yeah, I have so many credit cards… but the ones I still have do provide value…

@dex4308 11 ай бұрын

I am 4/24 with no chase cards. Looking for a travel card , I have one half of the Cap1 duo but leaning toward either VX or the CSP/ CSR..... really the CSR. Are the chase travel cards still pretty effective without the other two cards ? I have one trip overseas and 3 trips domestically in the next 6 months. Thanks.

@AskSebby 11 ай бұрын

CSP vs. CSR calculator: www.asksebby.com/credit-card-reviews/csp-vs-csr I would do CSP/CSR first and then finish off C1 Duo. The Freedom are "nice to have" but the CSP/CSR is still the meat.

@dex4308 11 ай бұрын

@@AskSebby , that calculator tool is🔥🔥.

@masadate86 11 ай бұрын

I’m not so sure about 50% rule..just got Chase Amazon card with only $500 balance other card is $6700…..

@Alvin_1914 11 ай бұрын

1. Chase Sapphire Preferred 2. Freedom Flex 3. World of Hyatt 4. US Bank Altitude Reserve 5. Capital One Venture X 6. Amex Platinum 7. Amex Gold 8. Hilton Aspire 9. Hilton Surpass (upgrade to aspire after year one) 10. Hilton Honors Card (upgrade to aspire after year one)

@yoog1 11 ай бұрын

Are you applying to any new cards?

@oneup8 11 ай бұрын

I hv VentureX & CapOne Miles card w/$39per year for 2PPC (my first credit card). Should I downgrade the Miles card to no annual fee?

@rehanahmad5911 11 ай бұрын

Bilt would have to be the first card you get after 5/24, especially if you pay rent.

@Omega_thehusky 11 ай бұрын

wait the way you always talked about it before i thought 5/24 was inquires not cards? so i can just apply for chase cards when ever? i dont apply for credit cards that often but my inquiries i though were always too high lol and by inquires i mean hard pulls

@AskSebby 11 ай бұрын

It's cards.

@athencroft5139 11 ай бұрын

I regret not getting chase but it was difficult because I was doing a rebuilt and by the time I knew of other issuers besides the ones I burned, Chase was like “eww” 😂 Now, I can’t get anywhere near Chase since I’m at lol/24 Their cards seem special back when the sapphire cards had the diamond-like design. Now, I’m not so sure

@Kos115 11 ай бұрын

Are 🐘the litigious, cease and desist types that don't like being mentioned in videos unless it's in a positive light?

@evanperry44 11 ай бұрын

Any tips for the venture x app? I have 8 ccs and don’t want to get blocked.

@AskSebby 11 ай бұрын

Shot your shot :)

@zackzada 11 ай бұрын

✈

@davidleeisagoon 11 ай бұрын

Sapphire data point - I was an authorized user on an account which received the SUB 4+ years ago. I applied for the CSP in May - denied because I “already received the bonus”. Called chase support for an hour. Supervisor told me - because I was an AU , I was not eligible for the sapphire bonus - the 48mo counter for another bonus is from account/card close NOT from when bonus was received Overall a very surprising and frustrating data point. Not sure if the supervisor was making something up. How can an authorized user use the sapphire bonus anyway? PS - met Sebby a couple of months back walking in the Fillmore!

@mattleathen445 11 ай бұрын

I swear I’ve seen a decent number of claims of closing CSP then reapplying a month later to get the SUB 4 years after the previous award. And Chase’s official language seemed to support this interpretation. Maybe authorized user gets some weird lockout?

@davidleeisagoon 11 ай бұрын

@@mattleathen445 same… super frustrating. Just don’t want to call support for another hour to figure it out lol

@Vantablkg2023 11 ай бұрын

🐘 Im at 2/24. I started with CapitalOne Platinum(Oct 2020), my 2nd is Chase Freedom Unlimited (Oct 2022)with 50k+ points earned. Today I'm pre-approved for both CSP and CSR (both with 60k bounus offerd), but being suggested CSP and CIU. I could choose CSR than downgrade to a CFFlex (If needed), or go CSP to CSR and then CIU. ???

@Scrappygymrat 11 ай бұрын

Do each every 6 months

@user-rd6ri6wr8m 10 ай бұрын

Having more than 2 credit cards is crazy

@austinj9 11 ай бұрын

Definitely jumped too quickly into the 🐘, brushing past Chase too quickly in the process... 🙃 I don't really know what my ideal setup is to be honest... I don't really get much time to travel in reality, and have some brand loyalty for honestly not too many good reasons (Alaska, Marriott). Grandfathered into the old AS BofA with no minimum spend for companion fare. I feel like I know about all these sweet spots and strategies, but would never act on them due to time and loyalty... I *could* spend MR/UR/whatnot, but then that one less non-award flight could make me loose status... do I care about that...? Tradeoffs... 😣

@SolidLiquidFox 11 ай бұрын

Airline status overrated. Harder to get free upgrades nowadays.

@MrFluffyfox 11 ай бұрын

🐘ahhhhh, youtube mobile didn't send the words, have to edit. so i got the saphire preferred as my first serious card (i got the amazon prime card a month before) and it's been about 10 months since then. i'd like to get the reserve for the priority pass and travel benefits, but want to know how to still get the intro bonus. can i upgrade the preferred to the reserve and get it? or do i need to completely cancel the card, wait out the remainder of the 48 months from whenever i cancel, and the re-apply for the reserve?

@rmknicks 11 ай бұрын

The 48 month clock starts when you get your bonus not when you cancel. You have to have the card for one year before you can product change to the reserve and you will not receive a bonus.

@AskSebby 11 ай бұрын

Answered but will reiterate: 1) No bonus for upgrading 2) Wait 48 months from CSP bonus to get CSR (via a fresh new card application) if you want the bonus

@jhrielly 11 ай бұрын

Sorry if you covered this, but how are you getting the JAL tickets? I am closing in on 110,000 Alaska points from two bonuses.

@AskSebby 11 ай бұрын

How to book: www.asksebby.com/guides/book-jal-first-class

@jhrielly 11 ай бұрын

@@AskSebby thank you!! See you there!!

@joec4720 11 ай бұрын

does the 5/24 rule count if you call them and you have history with Chase?

@athencroft5139 11 ай бұрын

It still does. Only way to get around the 5/24 is if you are a high investor/customer of Chase like have their Chase Sapphire Savings accounts.

@sj1547 11 ай бұрын

Elephant

@jhrielly 11 ай бұрын

I did the Capital One deal but their travel service department completely dropped the ball. Fixing it cost hundreds. No thank you.

@AskSebby 11 ай бұрын

Dang. What happened? Sorry to hear that :(

@jhrielly 11 ай бұрын

@AskSebby I got to the airport and discovered that my itinerary had been canceled. I had to reroute. I almost got rebooked on the same itinerary but their was no response from the travel company Capital uses.

@joephillips5594 11 ай бұрын

How is someone going to meet the spend requirement on a business card if they teach piano lessons?

@Hinata-EN 11 ай бұрын

It doesn't matter how you spend your money, it doesn't have to be business. Some people even use the card just to buy gift card ( say amazon gift or apple gift card,...) to hit the spend requirement

@joephillips5594 11 ай бұрын

@@Hinata-EN Sure, but thats a violation of terms and conditions and is therefore risky

@mitchchoi1522 11 ай бұрын

🐘 Any reason why you excited BILT? Was it just a systematic exclusion because it's a unicorn or because you wouldn't want one?

@AskSebby 11 ай бұрын

Low priority given the meta/rules in play. You can easily get it in the late game. Put another way, if you have 20 cards, Bilt will still happily approve you. Same with Amex. Not necessarily the case for Chase/Citi/BofA/etc. Almost impossible for C1.

@AskSebby 11 ай бұрын

Doesn't make sense for first 5 (5/24 and opportunity cost there) Neither does it for C1 and long-term opp cost. Maybe in place of Citi / Barclays / US Bank / BofA? Even then, I'd rather grab the Citi Premier first and lock in the intro bonus of 60k TY (worst case - we've seen it at 80k in the past). Even with Bay Area / NYC rent of let's say $5k/month, that's 12 months before you get the same value as the Citi Premier at 60k TY.

@jerryliu6501 11 ай бұрын

@@AskSebbynot sure in other cities, but in NYC bilt also gives 8x on dining on a lot of NYC restaurants, which is really really high added value.

@victorterranova6508 11 ай бұрын

No AmEx?

@AskSebby 11 ай бұрын

Usually better in the late game as your spend increases. Lots of people in popup jail due to low spend: www.asksebby.com/guides/amex-application-rules

@Augustin54 11 ай бұрын

Year 5 and I’m still going strong on chase cards only 😂

@ds5651 11 ай бұрын

Yup Chase Freedom, Chase Flex, Chase Preferred and World of Hyatt.

@Augustin54 11 ай бұрын

@@ds5651 then restart with the sapphires after 48 months lol

@zyzzuschrist3410 11 ай бұрын

🐘 what’s the timeline for this? 10+ years?

@AskSebby 11 ай бұрын

Timeline is what fits your lifestyle.

@SolidLiquidFox 11 ай бұрын

10 years sounds about right with pure organic spend

@codyaltman29 4 ай бұрын

Who is the 🐘?

@DSanchez0424 11 ай бұрын

How many cards do you have? Or how many cards is too much cards?

@AskSebby 11 ай бұрын

Too many cards is when you lose track of them. I would only get a number that fits your lifestyle.

@jenorourkemft 11 ай бұрын

The limit does not exist

@DSanchez0424 11 ай бұрын

@@AskSebby awesome. Thanks for the response

@Jrosballer 11 ай бұрын

🐘 what’s your favorite NBA team?

@AskSebby 11 ай бұрын

Spurs :) Otherwise just a fan of players and stories. (i.e., would rather see a good 7 game playoff series with buzzer beaters vs. a specific team winning) kzfaq.info/get/bejne/j7h5gLSanL6bnX0.html (randomly got reminded of this; still amazed that the first thing Wade did was gg Duncan)

@Jrosballer 11 ай бұрын

@@AskSebby my guy! Respectable pick🫡

@anasryadi8545 11 ай бұрын

Who's the elephant in the room?

@Reevos 10 ай бұрын

🐘

@ItsMeCJ 11 ай бұрын

I’m claiming FIRST because I can. #TeamRoseGoldAlwaysWins

@jimmyjames6492 11 ай бұрын

🐘🐘🐘

@Jay-vt2so 11 ай бұрын

🐘 🐘 🐘

@nisha0003 11 ай бұрын

2nd!

@AskSebby 11 ай бұрын

🥈

@RipVondy 11 ай бұрын

7th lol Jk I got first🥇 Was this guess close?

@AskSebby 11 ай бұрын

First!

@RipVondy 11 ай бұрын

Those bell notifications have finally paid off😂

@chessstremer1090 11 ай бұрын

4th!

@AskSebby 11 ай бұрын

@PaymentIsDue 11 ай бұрын

First?

@AskSebby 11 ай бұрын

Almost!

@ccneal 11 ай бұрын

Ask Sebby's 10 Card Start: 1. Capital One Savor One for Students 2. Chase Freedom Unlimited or Flex 3. Chase Sapphire Preferred or Reserve Business Side Quest: a. Chase Ink Cash b. Chase Ink Unlimited c. Chase Ink Preferred d. Chase IHG Premier Business 4. Chase World of Hyatt 5. Chase IHG Premier 6. Capital One Venture X 7. Citi Premier 8. Citi AA Platinum 9. BofA Alaska 10. Barclays AA 🐘

@2Eaglez 11 ай бұрын

How about Amex Blue prfd.? Groceries 6% which is exceptional, Gas 3%, better than most. And for those who don’t travel much it is better than most you listed. Also for those of us who live rural Amazon Prime with 5% back on purchases. Obviously, no Whole Foods in rural areas but we get an average of two or three item each week from Amazon and there is no delivery cost.Both of these cards have an annual fee but the fee is negligible compared to the rewards and benefits.

@mickeywaters27 11 ай бұрын

Blue works great for me especially with 6% on streaming and Amazon card works too

@WhatsThePoints1 11 ай бұрын

I think he’s just saying stay away from Amex till late game which I can vouch for from perma-jail

@2Eaglez 11 ай бұрын

@@WhatsThePoints1 for several years, I had Amex Platinum which for a small business owner was a superior card. Also had Chase Ink which was equally as good. Now being retired, the Amex Blue Prfd is my only Amex card. Hope your situation with Amex changes soon.