💳 Sebby's Card Picks: www.asksebby.com/credit-cards Amazon 1 Amex MR Point Deal: amzn.to/3U2Tgn6 Check out SoFi CHecking and Savings: www.asksebby.com/go/banking Chase Spend Offers (Targeted): www.chase.com/mybonus

🥭AMEX is the king of annoying benefit redemption.

🥭 PYB rarely makes sense for me. The low-dollar quarterly or monthly credits are always annoying. But it makes sense from the lender's perspective. They want you to either spend more or leave value on the table. The house wants to win.

🥭I feel like AMEX is slowing updating cards I'd be interested in and making them cards I'm not going to bother with

Its a great analogy, who goes quarterly to a hotel.. this is a bad business idea to penny pinch, why stop there they can say 20$ a month to stay at hilton instead.

🍋 Keep the videos coming! Thanks again for all you do. We've been fans for over 5 yrs.

I applied for the wrong chase ink business card (the unlimited) and then immediately applied for the cash card. They couldn't take back my 1st application so now I have two hard pulls and will have to overpay my taxes to reach the sign-up bonus on both cards.

🥭 1. No, 2. Stuff that I find a decent deal on, 3. Very dumb change. Would love to see you do a deep dive on the Credit Card Competition Act or the recently announced interchange fee settlement.

The Hilton Buz card changes worked out for me. I’ll get 3 $50 Hilton gift cards for free before my annual fee is due and just cancel it then. No longer a keeper card for me.

I’ve had the altitude reserve for two months and have had no issues with mobile wallet getting 3x.

🥭 I’ve already made use of my Hilton credits for two quarters. It just so happened to coincide with stats I already had planned. Otherwise it would be tricky to justify.

Hey Sebby, just a thought. 🥭my wife and I are trying to go to Japan using Amex points and it seems like like ANA is devaluing them. Could be good to go over strategy on how to travel there on this or your other channel. Thanks for your content.

🥭 PYB was very useful during Covid but haven't used it in years since travel is back

I just cancelled my Hilton Business card before the new higher rate hit this month. I wasn't get much benefit but was willing to hold at $95. The rate was the sign to release the card to let something new come into my life. 😂

Thank you Sebby! I got 40% off up to $60 at Amazon! Got some house supplies

I have the Hilton Honors Business card and just published my first credit card video about it-that I had filmed BEFORE they made all of the changes! AH. So frustrating. I called and am having the new metal card sent, but we'll see if I keep it now. I'm torn on the changes. (going to do a follow-up after getting the new card in the mail) Also, I want to thank you for all of the work you put into your videos - I've learned a ton from watching you over the past couple of years - since I started on this credit card journey. Thanks, man, Jeff.

I’ve had the AMEX Hilton biz card for years- I’m dropping it at next renewal. They’ve ruined it.

🥭I liked my Hilton biz card. I’m waiting for the replacement card which I heard is metal, we’ll see. I still like the card I might keep it, the only downside for me is that priority pass is no longer offered I liked the 10 pass visit

🥭 Regarding the Hilton Business card. This may be a win for companies with employees who use the card. (It is a business card.) While I hate to lose the two free nights, 5 points per dollar on the first $100k will result in an extra 200k in Hilton points. Previously, it was 3 points per dollar. Assuming .6 cents per point, that is an additional $1200. $1200 value in points is easier to use than two free night certs

🥭 I will cancel my Hilton Biz and pivot to hilton personal cards in the future. For the meantime, I’m working on Chase Ink cards first and then will go on amex back again

The best thing about the Hilton fee cards was the free night credits. Why would anybody, moving forward choose Hilton Business over Surpass? Ruined? They killed it. You can get the Hilton Credit buying gift cards or stays. Who cares? Making up the AF is not why people get cards. The free night credits are the linchpins of the Hilton fee cards. Lose them and you lose your customers.

PYB does not make sense for the CSP or the CFF. The only benefit of Hilton is that they have the 2nd largest footprint in the USA. But I feel IHG properties are not far behind. So the IHG card is pretty straight forward in getting value. And if you can stay in one at your usual destinations, Hyatt has the best hotels and loyalty program. I would rather now put spend on my WOH card to get 2 nights toward status every $5K in spend then drop $15K to get free night on the Surpass. AMEX and Hilton are starting to lose interest for me.

Would you mind putting abbreviation meaning on the slides... Hard to follow at time... Thanks.

I hate the Hilton Business change im letting it go after its year is up

Sofi is still worse than CDC + CR+. That plus it's easier to just get the rewards + card than it is to get a checking account with direct deposit.

We have the Aspire and no AF honors card. If i did get the Hilton Business it would be to support our Hilton Setup. The Aspire in a Hilton is x34. Or 17% if a point was only .005.. so if i spent $200 on a hilton with the Aspire that would be $34 in future hilton points use.. The Hilton business is almost $200 and has the 4 quarterly credits of $60. For $240. So it costs $195 for 240 worth of hilton value with the business.. that i have to do in 4 quarters. Or It costs $200 for 234 worth of hilton value just using an Aspire.. I wanted the hilton Business as a support for our use. I dont see any value.

Got 2/3 gift cards, and almost finished with my $15K FNC. Will finish it on June to stretch the expiration….then cancel

I feel like PP needs to scale back anyway. They were giving out their memberships like candy with basically any card that an AF. Hopefully now they can limit that down to the top tier cards like the Platinum, CSR, VX, and a few others. It doesn't really make sense that the PP Select was $600 or whatever it is per year but you could just use a CC that had a lower AF and get it anyway. Does it suck for those who have cheaper cards? Yes, but also they are way overcrowded in the States. When we were in Tokyo HND in mid March the PP lounge there reached capacity while we were there. So even an international airport got full in March NOT during cherry blossom season. I can't imagine during the summer or later spring.

I don’t know where you got that info on the Altitude Reserve problem with 3x on mobile wallets, but you’re a bit off. The problem only occurred for the month of January and not for everyone. It still hasn’t been fixed retroactively, but everyone I know who’s complained to them on the issue has gotten more “bonus” points back than they lost. Again, it’s been fixed going forward since about Feb. 1. FYI I love your news bits, just wanted to keep you accurate on this one! 🥭

Death’s End kind of made my brain melt. Enjoy the read!

Hey Sebastian, quick question unrelated to the video, how can you keep getting new cards and not get denied due to having enough credit on existing cards already and not enough usage? 🥭🥭🥭🥭

If I get the card now, do I still get the Priority Pass if I enroll before 6/30?

A footnote for the SoFi credit card - (I have this card and looked at the T&C as I was almost interested) and it looks like to get the 2.2% back you must have 1000 (can be spilt I believe) deposit per month? Despite this, I still went with just using my Alliant Visa Siggy for all general categories. ❤

🥭 I don’t really use pay yourself back. Wasn’t eyeing the business Hilton but the personal Hilton maybe.

I am in it for the travel value. I'm confused about my Hilton Amex

What about the 60k spend free night is that gone too?

🥭 I’m new to your channel….thanks for all of the great info!

I plan to cancel both my Hilton Biz card at the next annual fee

Got lucky they only charged me $95 for my surpass renewal. Gonna get $200 worth of gift cards. Thx for all you and Mandy do. 🥃🥃🥃🥭🥭🥭

🥭 what do you think about earning diamond status with the business Hilton card? I currently have the card and used to be diamond and loved it.

🥭 If I don't want to deal with gift cards and don't have any planned stays, would visiting a nearby resort to eat at a restaurant trigger the credit? 🤔

🥭 I am not clear on the PP with Amex. Are they removing PP from the benefits? 🥭

🥭 good information as always. Believe it or not, you’ve helped me with my CC game.

🥭 My Amazon Amex redemption offer was $10.

debating paying my annual fee right now at 1.25cpp

Is it worth burning points for cash instead of waiting for a good redemption for a trip

🥭I was going to get the biz card this year but not anymore.

🥭 I'm so glad I recently canceled Hilton Business and got myself the Surpass. On that note, Sebby, do you know if upgrading Surpass to Aspire changes the anniversary? If I got Surpass in March 2024 and ugrade to Aspire in July 2025, when is the Aspire's anniversary in 2026? March or July? Thanks!

What weekend are you going to Coachella sebby? 😂😂😂

🥭What hotel keeper cards would you recommend at this point?

I guess it's time to cancel the Hilton Business card. I have 3 Aspires anyway. Hmmm, what should I replace it with considering I can only have 5 AMEX cards.

Boo I liked the free night better 😮 Is the $15k spend over as we speak!? Because I’ve been spending to reach that again!

Shoot. I guess the SoFi 3% for a year card promo ended...

thanks the amex point deal is nice 40% max $60 for me

When did Sebby talk about the Altitude Reserve being broken

Only got 10% discount

🥭 not a fan of the Hilton card updates. Still waiting on the Business Centurion video!

🥭 great video 👍🏾

QR code was helpful

What will high earners who profit off the back of low credit users do now? Oh no

Been watching since the beginning. 🎉Saving 10k plus since. Thank you ask sebby!

🥭🥭🥭My Amazon offer was only 10% up to $10. Maybe because last time I got 50% up to $80 and used all of it. FYI the offer will also apply to many 3rd party gift cards (excluding Visa/MC)

🥭 You bought physically bounded paper books? #Boomer I didn't think about "pre-pay" during a hotel stay on multiple cards. That is a great idea to extract the value out of the credits. Waiting for the Equinox credit on these Amex Hilton cards.

🥭 Annoying credits

Oh my God you scared me. Thought they were going after my 3 Aspires

🥭Will Amex ever get a Hyatt card?🥭

:mango

🍊 W Sebby

Mango 🥭

Bill Ackman, Len Blavatnik & Elon Musk needs to buy AMEX before its current board & CEO ruins it.... for real

Are you using AI generated video clips?

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🥭🥭🥭🥭🥭🥭🥭 #SALUTE

Please stop asking us to give your video a thumbs up before we’ve even watched it!

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NOICE!!!! you got me 40% off Beats Headphones!

This is what I’m talking about 🎉🥳🥤🧋🥭

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