Chase vs Amex Trifecta Explained (Why I Use BOTH)

Рет қаралды 99,950

Күн бұрын

In this video we are talking about why I use the credit cards in both the Chase Trifecta and the Amex Trifecta to earn credit card points and get max value from my spending. These 2 credit card setups have very different benefits and fees with the Chase Trifecta costing $95 per year and the Amex Trifecta costing $945 per year, but all 6 credit cards in these setups give me value in different ways so I think it’s worth it.
The Chase Trifecta consists of the Chase Sapphire Preferred, the Chase Freedom Flex, and the Chase Freedom Unlimited. Out of these credit cards, I use the Sapphire Preferred card for its transfer partners as well as for streaming and minor travel expenses. I use my Freedom Flex card for its rotating 5x categories which typically includes gas, groceries, Amazon, and more. I also use my Freedom Unlimited as a catch all card for miscellaneous purchases where I earn 1.5x points per dollar on everything.
The Amex Trifecta consists of the Amex Platinum Card, the Amex Gold Card, and the Amex Blue Business Plus. Out of these credit cards, I use the Amex Platinum for travel where it gets 5x on flights and prepaid hotels booked through American Express. I use the Amex Gold Card for groceries and dining at restaurants where it gets 4x points per dollar. I also use my Blue Business Plus Card for miscellaneous business purchases from time to time where it gets 2x points on everything.
On top of these credit cards, I also have added cards like the Citi Custom Cash to earn 5x back on gas and the Bilt Mastercard to earn 1x point per dollar on rent. Then I take all of the Chase Ultimate Rewards Points and Bilt credit card points I earn and transfer them for hotel stays with Hyatt, and I take all of the Amex Membership Rewards Points I earn and transfer them for flights.
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CHECK OUT SOME OF MY OTHER VIDEOS:
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▶️ How To Redeem Amex Points For MAX VALUE (Beginner’s Guide): • How To Redeem Amex Poi...
▶️ 8 BEST Credit Cards of 2023: • The 8 Credit Cards You...
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▶️ Amex Trifecta - A Powerful Setup (But Not Worth It?): • Amex Trifecta - A Powe...
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Daniel Braun is not a financial advisor. This video is for entertainment and educational purposes only, it is not financial advice.
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Пікірлер: 204

@ianfarrell6604 Жыл бұрын

As a 19 year old getting into the world of credit cards, these vids have been super helpful. This video is great, and gives a nice easy to follow rundown, much appreciated!

@Daniel_Braun Жыл бұрын

Love to hear that you're getting started so early at 19! Thanks for watching this and glad you like the format!

@brandonbunderson8885 Жыл бұрын

I've only been in the credit card game for about 6 months, but lemme just say that I can't recommend Daniel enough. His videos are incredible, and I go back and watch videos multiple times to help me. You won't find a more genuine and honest dude in the credit card space

@gabethedog4043 Жыл бұрын

I'm 19 too, and I got 7 credit cards and score of 744

@mikey9836 Жыл бұрын

@@gabethedog4043I’m 18 and have 5 months of credit history but have been scared getting another cc like the gold card because I don’t want my credit score falling down. I have a 710 credit score.

@NathanShepard Жыл бұрын

The earlier you get them the better the credit score later in life...just becareful and responsible with them. Debt can pile up quickly, I've seen friends get hurt.

@EthanPatrick_CreditCards Жыл бұрын

I've gotta say the Chase trifecta gives me a ton of value for just a $95 annual fee! It's nice not to have to worry about constantly using credits in order to make the cards worth it.

@facelessman5362 Жыл бұрын

chase trifecta + amex blue cash preferred is my setup $190 annual fee covers everything

@Jsmithlovesspam 7 ай бұрын

This but swap BCP with the Citi Custom Cash and Costco Anywhere card and you have no extra $95 fee plus Costco for bulk buys@@facelessman5362

@Brianpeckin 5 ай бұрын

@@facelessman5362 you could serve the same purpose just getting savor over the blue with no annual

@Brianpeckin 5 ай бұрын

I mean depends what you're doing if you're chasing welcome offers, and wanting to optimize your grocery than cool. Your set up doesn't, but if you are fine with getting minimum 1.5 on groceries than you're good. Truthfully the best set up for most is probably your set up and throwing in the capital one duo. If you don't care about travel pts than savor only or blue preferred only.

@user-lb3ml3tt5f Жыл бұрын

I run a similar setup, except I upgrade the CSP to the CSR and nix the Amex platinum altogether. This lowers the annual fees by $250 relative to your setup, and replaces the annoying restrictions on the Amex platinum credits with a blanket broad $300 travel credit. I don't get access to the Centurion lounges but that doesn't matter as much to me because they don't have Centurion lounges in either of my local airports (BOS and PVD). Meanwhile, in addition to the standard priority pass lounges, I get access to the new Chase Sapphire lounge in Boston and I also get access to priority pass experiences, which is crucial for PVD because there is no lounge there (PP or Centurion), only a bar with a dining credit. I also get better travel multipliers (3x for hotels, rental cars and transit-- all broadly outside of the portal, 10x for Lyft)

@Purpleeagle231 Жыл бұрын

This is the best setup, especially for people out of your area.

@DannyAdair Жыл бұрын

My issue with the Platinum is how much you need to “work” to get the benefits to justify the fee. For that matter, I feel the same about rotating categories cards, although typically those cards do not have fees. We’re planning to cancel the Amex cards and go back to Chase, probably the Sapphire Reserve - it’s just easier to get the value back without much work/thought.

@fkr124 Жыл бұрын

Couldn’t agree more. I too was an AMEX fan, primarily for year one SUBs, but as year 2 went, I realized my time was worth WAY more than the value coming from their cards. Time is something you can never get back at any cost. So, I’m back to the Chase trifecta and supplement with the CITI custom cash and my CITI Costco card. Glad to have my life back. 😊

@WatchTower71 Жыл бұрын

It’s true, but as everything in the credit card game, you do a lot of research and excel sheet tables for weeks, but hardly do any more work after. I also was hesitant with the amex platinum, now I literally think it’s the best credit card ever and get around $1500 of value every year. Just justify the first $700 - however you wanna value the benefits. For example, I value Walmart plus as $100. The first $700 I just first value stuff that is absolutely important for me and I was going to spend it anyways. After, I value the rest of the credits because, for me, now I’m getting free stuff

@Brianpeckin 5 ай бұрын

If you have pts for amex just get the business preferred with no annual and your pts still there.

@JonsCreditAndTravel Жыл бұрын

Daniel.....I love how conversational this video is. It feels like you are actually talking to us without any heavy editing. i love it!! Do more videos like these. This was great content. Im working my way toward the same set up. Excellent info brother!! Thank you!

@J.0.E. Жыл бұрын

Keep making them bro. You make my favorite credit card content and have taught me a lot in the past two years.

@jessea3844 Жыл бұрын

I really like the Chase trifecta. I think if they added a consistent grocery and gas bonus, I wouldn’t even consider Amex!

@tarrius1210 Жыл бұрын

Nope, me either.

@SuperEddietv Жыл бұрын

Thats the missing magic with most of these cards now, isn't it?

@Ryandupont0896 Жыл бұрын

The fact that chase doesn’t have an in store grocery multiplier is criminal. One day I’m hoping they implement this. Even a 2x or 3x would be good enough

@carryeveryday910 6 ай бұрын

Yeah I have the BCP for that exact reason. I max the $6k 6% every year and use it for 6% on subscriptions and if the freedom flex gets a grocery category at some point during the year I’ll use that to get chase points. I’d love if the freedom flex got even 2% back on groceries. I’m considering downgrading my BCP and opening an Amex gold since the grocery bonus is up to $25k at 4%.

@jd42518 Жыл бұрын

The more I watch vids about the CSP the more I feel super grateful for getting the targeted 100k point offer mailed to me. Seems rare

@tacrewgirl Жыл бұрын

That's impressive

@aaronqueen55 Жыл бұрын

How much did you have to spend in 3 months though?

@MattWelterOfficial Жыл бұрын

Love the more conversational, less scripted videos! Great work here Daniel!

@SpencerJohnsonOfficial Жыл бұрын

The conversational style was super enjoyable Daniel. Keep it up! As for these 2 setups, I find myself getting the most value from the Chase setup too. Well, at least the most value for the price. I don't have the Amex Platinum yet but with the way the credits work across all of Amex's cards, they're a bit of a hassle to get value from consistently. Chase is much more straightforward. Great video man!

@anthonygardner400 Жыл бұрын

Hey Daniel. This format becomes you! I like it a lot! Ultimately, people want to hear honest, genuine perspectives from KZfaqrs. You always come across that way, but this format brings your authenticity forward even more. I have both trifectas also, except I have the CSR, not the CSP. And like you, I use the Custom Cash for gas, except in quarters like this one, in which the Freedom Flex has gas as a category. In that case, I’d prefer 5X Ultimate Rewards points to 5X Citi points. Really nice video, as always!

@Daniel_Braun Жыл бұрын

Thanks so much Anthony, I really love to hear that! It's definitely a completely different way to film for me but I like being able to talk very freely about whatever I'm thinking about! I'm going to try to do a mix of both scripted and unscripted videos for the next few months, with the unscripted videos being more focused on my personal experiences. You've got a very similar setup to me with the exception of the CSR vs the CSP. But I'm doing the exact same thing this quarter with the CFF in place of the Custom Cash for 5x Chase points on gas instead of 5x Citi points! Appreciate the support as always and hope you've been having a great summer!

@anthonygardner400 Жыл бұрын

@@Daniel_Braun Definitely enjoying the summer, thanks. I’m headed to San Francisco next month with some friends, which I’m excited about. Hope you’re enjoying your summer too!

@jaydajune Жыл бұрын

Your videos have definitely helped a lot in understanding my Chase/Amex cards!! Thank you I would love if you could do a video highlighting which monthly recurring bills (electricity, rent, internet, cable, cell service, etc) you pay with your credit cards to also maximize on point value!!

@jeffreystewart7202 Жыл бұрын

Daniel, Like the new informal format. It is more like discussing strategy with you over a great cup of coffee. Thanks for all you do to help the rest of us. You are a real pro and you continue improving your content all the time.

@nashs.4206 Жыл бұрын

Isn't splitting your spending across two (or three, if we include Citi) separate ecosystems detrimental compared to using only one ecosystem?

@MichaelJakosalem Жыл бұрын

Really liked the format of this video. Keep up the great work Daniel!

@Daniel_Braun Жыл бұрын

Thanks so much Michael! Glad to hear you liked it 👍

@zacharyparone3533 Жыл бұрын

For anyone in active duty military the AMEX cards are a no brainer! Fees waived but all the benefits

@sonictonic_ Жыл бұрын

I LOVE seeing this unscripted version of you! This is great!

@Daniel_Braun Жыл бұрын

So great to hear that! Thanks as always for watching - I’m gonna make more videos like this!

@coffeegeek54 Жыл бұрын

I agree. Keep the unscripted one coming.

@joshdice897 Жыл бұрын

My dude apologies for having food allergies and reading food labels 😂. You're good my man

@docsays Жыл бұрын

I have the chase trifecta (CSP. CFF, CIU) & working on my AmEx fecta. Currently have the Green & Gold only. Will eventually add the BBP. I prefer this setup. Its only $495 total AF. Thats less than the AF of the CSR! Furthermore, i already used the clear credit on the green card & the hotel credit on the CSP. I can also easily use the $120 dining credit on the Gold. So my E-AF is only $175 😎

@seand99x Жыл бұрын

Hey Daniel, great video! You made some good points however, I think the point that needs to be stressed about the portal you mentioned for AMEX is that it actually can be a good deal, especially if that is one of the only ways you have to actually use your points for travel. I live in the Midwest Minnesota, and I don’t fly internationally. However, I do fly domestically fairly often, and I have yet to be able to find any transfer partners on any dates that I am flying in and out of MSP. so the portal is actually become quite a good option for me so I can actually use my points and not have to come out of pocket for it. Anyway, I just bring this up because I’ve noticed a lot of credit card KZfaqrs I have watched just make the natural assumption that you can get an epic deal as long as you transfer over to partners. However, just as in my case that has not been an option thus far! Anyway, I really enjoyed the video. Keep up the great work.

@Bangpaulxu Жыл бұрын

Love your videos! Much love from China. Just opened two chase cards this time when I came to the US.

@Bangpaulxu Жыл бұрын

@stevenbanni4143 yup there are ways sure

@Daniel_Braun Жыл бұрын

Hi and thanks for watching all the way from China! Great to hear that you've got some Chase cards!

@impact7174 Жыл бұрын

I love the Chase trifecta ever since you influenced me to go for it! I look forward to traveling more in the future with the Chase points combining on the CSP! Btw, I live in Harrisburg, PA so love the PA connection.

@bburney2000 Жыл бұрын

Thank you Daniel! Been watching for about a year and always enjoy your style on explaining everything and answering questions - you're always very balanced and that's much appreciated. Thanks for all the time you put into the videos. Also enjoy the "no script" approach - keep them coming.

@CesarJoel Жыл бұрын

I enjoy the format and information! Great setups that can provide a lot of value! Thanks for the info ✌️

@isaacjgross Жыл бұрын

I've been looking at the Capital One Venture X card lately and wondering if you've looked into that one or would make a video on that card. It seems so appealing having a $300 annual travel credit, $100 PreCheck or Global Entry application credit, 10,000 bonus points annually, 10X hotels, and 2X on other purchases. Just seems like way to good of a card to be true that could be used for everything and that pays for itself and then some. Are Capital One rewards points valuable compared to Amex or Chase UR points, maybe that's why it seems like too good if their points don't cover as much as the others do. Thanks and keep up the great educating content!

@LK_EBM Жыл бұрын

Capital One points are great. They have a ton of airline partners, and Wyndham as a partner for Vacasa rentals.

@degeze Жыл бұрын

Daniel, great format to the video. I understand the use of the Citi Custom Cash for 5x gas, but what do you do with your Citi points since you are primarily in the Chase and AMEX eco systems?

@randomaccount9212 11 ай бұрын

Just cash back?

@gfenwicksr Жыл бұрын

Thank you, Daniel. Very, very helpful. Your pace of delivering information allows me time to digest the info. I like the delivery far better than the super fast speech pattern on many of your other videos. Much of your information is technical, and the conversational style is much more natural and helpful, to me at least. 😊

@ItsMeCJ Жыл бұрын

#TeamRoseGold very nice stripped back video Daniel. I’m still holding off on the Amex Platinum. It’s the only card I need to complete my Amex trifecta, but! That annual fee 🥴🥴. I know I’ll have to bite the bullet at some point for my channel though.

@Daniel_Braun Жыл бұрын

Haha I'm still #TeamRegularGold but I don't think I'll ever convince you! Yeah that Platinum card annual fee is rough, but the credits have been easily used lately so I'm still fine paying the $695. Will be interested to see if you get it soon!

@CalbyNg Жыл бұрын

Should have gotten the God Trifecta CJ 😹 Could be a $0 AF 😉

@ItsMeCJ Жыл бұрын

@@CalbyNg nah bro, I’m not trying to make the CEO at Bilt upset 🤣🤣🤣

@docsays Жыл бұрын

I picked up the Green for elevated SUB & more reasonable AF, plus it has broader travel category. Later i will replace with the business platinum.

@Empty1x 3 ай бұрын

that's one of the main things i like about the capital one duo you get 3x or 4x on groceries depending on which savor card you have but i have heard that if you're grocery store has an app and you are able to pay with that app it counts as online groceries

@billyrodgers4611 5 ай бұрын

Yea I’m new to the CC game in my 40s always used to pay using debit and your videos are very educational thanks

@brenley Жыл бұрын

great video as always! love both trifectas 👏🏼

@ajrodriguez8329 Жыл бұрын

Great video. Love the conversational style. Keep them coming!

@benjaminbarry5589 Жыл бұрын

My opinion is that's way too much in annual fees unless you are spending a lot of money to justify it. A lot of those amex credits expire every month so you have to be using them every month. I like Cheesecake factory but I don't want to have to go there every month. 😅

@CarMoose Жыл бұрын

Oh man the last 10 days from your previous upload felt like forever 😅

@Daniel_Braun Жыл бұрын

Sorry about that! Got really busy around a long fourth of July holiday weekend - but I should be increasing my upload frequency for the rest of summer! Have another video almost complete already now

@Daniel_Braun Жыл бұрын

Thanks for waiting and watching!

@elvisjd710 Жыл бұрын

I love Emirates! I just flew them from Milan to NY for 87K and 140 dollars. I’m due to fly EWR to ATH around trip on First class, which I got for 189K and 240 dollars, I was able to get my ewr-Ath for 87K and the ATH-EWR for 102k (after the devaluation)

@Vincent12 Ай бұрын

Amex gold and Blue Business preferred is all you really need. You still get 3x points on flights with the Gold

@iswish_41 Жыл бұрын

Greetings from Puerto Rico, love the content.

@Daniel_Braun Жыл бұрын

Thanks so much for watching! I love Puerto Rico and went there last year - hoping to go back soon!

@BradleyHansonPhotography Жыл бұрын

I got a huge 130k bonus on AmEx Business Gold. Wasn’t sure if it would have lasting value, but AmEx Business Gold is 4X on gas if it’s one of your two categories, so Business Gold is also 4X for restaurants and gas if those are your two highest categories.

@mamakitty6327 3 ай бұрын

Thank you so much for your super informative, helpful, and honest videos. We are so excited to get started on using credit cards strategically, wish we had started sooner. Also I feel like I should add a little advice because you have helped us so much…. Over $2,000 in rent is very high, have you ever considered purchasing a home and if it is not realistic where you live, have you considered moving? We moved away from CA for the same reason (among others) and now own a nice house and pay less on mortgage than we did on rent, and we’re building equity, and we’re able to travel more. Just a thought, something to consider:)

@michael_5140 Жыл бұрын

Hey Daniel, how do you separate your spending across each trifecta? There’s some overlap between chase and amex, for example dining. The CFF and the CFU get 3x back on dining while the Amex gold gets 4x back, so do you switch off using those cards when dining out? In other words, what’s the best way to earn points while using both trifectas? Thank you!

@TheBlinkisback09 Жыл бұрын

Always comes down to your personal use cases! I always played the overlap depending on statement dates so that I could hold my money the longest lol or if I wanted to focus on one set of points vs the other (chase > amex)

@michael_5140 Жыл бұрын

@@TheBlinkisback09 thank you! That makes a lot of sense. I’m working on the chase trifecta right now but i do not have any Amex yet, so I wanted to be prepared once I eventually have them both. I think I’ll have the full chase trifecta and probably just the amex gold. Your reasoning makes sense and I’ll apply that to my situation. Thanks again!

@TheBlinkisback09 Жыл бұрын

@@michael_5140 glad to help! I'll add, don't even bother with gold if the transfer partners don't make sense for your uses. Try to get the biggest bonus you can, or if you have a corporate card from work there's a fee credit against the personal charge cards

@michael_5140 Жыл бұрын

@@TheBlinkisback09 noted.. thank you!!

@joshuawilliams6153 Жыл бұрын

Why not the green card?

@Thehubb1 15 сағат бұрын

Amex Lounge is planned for the new Ohare renovation!

@ItsMeCJ Жыл бұрын

First!!!! Don’t tell me otherwise 😂😂, now I’ll watch the video.

@Daniel_Braun Жыл бұрын

Lol I'll give you honorary first comment! 😂

@sjg6158 Жыл бұрын

Thanks Dan. It's amazing how you keep your head on straight with all these cards and setup.

@LuisRodriguez-ef8vg Жыл бұрын

If u had pair one of the chase cards with the CSP…which would it be….the freedom flex or the unlimited

@Belico999-H Жыл бұрын

Amazing video overall, thanks for the knowledge

@Daniel_Braun Жыл бұрын

Thanks so much Eddie, appreciate it!

@kg6946 Жыл бұрын

How long did it take you get all the chase cards? How much time did you wait between each application?

@javierRcastro Жыл бұрын

My lineup is Amex gold ( food)- SP (transportation and streaming) - BILT (rent) -Amazon ( online shopping) Any recommendation as a fifth ? Looking for a card that is good for general purchases ( retail stores , services , ect)

@kadendrew3739 5 ай бұрын

Im thinking a catch all card either a freedom unlimite 1.5x or amex blue business plus 2x up to 50k both are no annual fee

@iinvest8308 Жыл бұрын

if you have corporate card, you will also get an annual statement credit. Plat = $150; Gold = $100; Green = $75 -

@Daniel_Braun Жыл бұрын

Very true! The corporate card statement credit benefit is a great trick to cut down those annual fees. I really wish I knew about it when I had a corporate Amex card at my job a few years ago!

@iinvest8308 Жыл бұрын

@@Daniel_Braun and you can get the statement credit for each card (not just one). So for I have the plat & green, working on getting gold.

@tacrewgirl Жыл бұрын

Yay, a vlogger actually saying a CSP is okay.

@BarrettNewburger 5 ай бұрын

Who makes your shirts man. They look so comfortable I want to buy some. Great vid by the way

@Daniel_Braun 5 ай бұрын

They’re from Cuts Clothing! I actually just mentioned them in this video here: 10 Things I Stopped Wasting Money On kzfaq.info/get/bejne/mZx-mq94ydqonH0.html That video has an affiliate link in the description, and I believe they are running a 25% off sale right now. Outside of that sale, my discount code (danielbraun) gets 20% off

@BarrettNewburger 5 ай бұрын

@@Daniel_Braun great. Thanks so much.

@ClassicIX 4 ай бұрын

So idk who’s looking at this now in 2024, however you can business write off the annual fees with a business and you can easily get up to 1200-1400 a year worth of value off the Amex if you’re using everything smartly. Also Uber one is free with capital one savor so I get free delivery and 25 dollars a month on Uber which is about 2 free deserved meals. However Uber runs deals constantly so I can tally stretch the statement money out to 30-35 dollars a month and get about 3 free meals with feee delivery every month. Which is insane value. I’m Not even counting the global, the clear, the other 120 for food at select restaurants, the entertainment which you can split Up and use the Amex blue card as well in that, the Walmart+ membership, etc. I use my points with Amex the BILT card and the chase cards all so that I tax write off my business flights that my point didn’t cover and most of the time I can get about 4-6 trips back and forth to states for free. It’s insane how much min maxing you have to do but it’s well worth it once you set everything up for yourself 🎉

@kfclovincat 4 ай бұрын

Last time I checked, amex doesn’t rollover the monthly credits for things like the $10 Uber eats or Lyft, which was a con for me cuz not only would I have to force myself to use them every month, but $10 probably won’t even cover the entire price of what I purchase.

@elianzesati Ай бұрын

Question: When transferring points to airline lenders, do you have to be a member or can you continue to book a flight being a guest with your points?

@carlosp7233 5 ай бұрын

I got the Cap One Venture X, Amex Gold and Amex Platinum. Total 1250 in fees.. still pays for itself.

@MannyCovington Жыл бұрын

You can truly get value from both systems!

@dsalmon1449 Жыл бұрын

Yeah man this is good. Scripted videos are good, but just like that Creator Conversation you did with Spencer, just hearing kind of your thoughts for yourself is nice.

@nmrooney1 Жыл бұрын

Hey Daniel, thank you! I am running with the Chase trifecta identical to yours. What are your thoughts on the Triple AAA daily advantage card? 5% back on groceries, 3% back at Costco, and 3% back at gas stations on up to $10k of spend for the year. Would love to know your thoughts or see a video on this. I’m trying to run with as few cards as possible. Thank you!

@JT-lr3fw Жыл бұрын

thanks for all your videos: Can I ask a quick question that I can't find a direct answer: theoretically speaking, could I transfer points from chase to say British Avios, and then transfer those british avios to qatar avios? I know you said in other videos that Chase can transfer to British Airways and separately British Avios can transfer to Qatar, but I didn't know if there there restrictions on "transferred points" that you HAVE to use them on where-ever you transfer them to or if you are free to transfer those points again. i want to transfer my Chase UR to British Airways, combine with my British airway CC sign up bonus points and then transfer to Qatar Avios to use all those to buy a business class seat with the combined points.

@elvisguerrero2560 Жыл бұрын

Love these videos, love the unscripted ones. Please make for all categories of credit card.

@bazzy8376 4 ай бұрын

I appreciate the comparison, but I would like to see the initial spend requirements for each. That's the huge hurdle for me. I can do 4-6k in a quarter, but not times 2, and 15k is completely out of the question. So, for me, that's more important than the annual fee. In fact in my own decision making spreadsheet I would have a welcomebonus/initial spend factor to compare apples to apples.

@javier8672 Жыл бұрын

I’m at a crossroads. I have the unlimited and the flex ready for the sapphire but I don’t want an annual fee card just yet. But if I get another card like the Citi custom cash then I will hit the chase 5/24 rule and the sapphire will have to wait years. Should I just complete the trifecta or start saving big bucks with the Citi custom cash card?

@SinCitizenGent Жыл бұрын

Can you do other head to head trifecta videos? If Thanos wiped our chase and amex, how would you rank citi, usbank, and capital one trifectas? I'm not at the point where I can utilize enough amex perks to justify that trifecta, and was looking for a 2nd trifecta to play with next to my chase.

@FirstLast-bn6nl Жыл бұрын

Daniel, Thank you so much for this channel and your advice. Since February, I acquired Chase Freedom Unlimited, Flex, Sapphire Preferred and Ink Unlimited cards and completed the bonuses. I consolidated the points to Sapphire and need help. Should I use the Sapphire exclusively as it has a 10% anniversary bonus? I'm also sure to cancel the Ink, but when and how should I do this?

@jenniferlarson9215 Ай бұрын

Couldn't you also do the AMEX Every Day Preferred or Green instead to start and get some bonus points and grocery points?

@ArtaxForever Жыл бұрын

I have the chase freedom unlimited, amex BCP, and the capital one savor one. The BCP groceries bonus of 6% for $6000 a year = $360 i am able to max out with my partner, and justifies it's 95 annual fee. Savorone fills out some bonuses i wasnt getting 3% on, and the no foreign transaction fee is useful for travel. Flights on the chase freedom unlimited also gets 5% back, and are often cheaper than buying directly from the airline! The only categories i spend significantly on, that i dont get at least 3% on are rent and online shopping. The amex blue cash everyday is what im looking at next, or the Citibank Custom cash, which might become my geocery card if i can downgrade the BC 6:00 P to blue cash everyday

@billwright2176 Жыл бұрын

A very good realistic review.

@djphat1736 Жыл бұрын

Do the credits of AMEX towards digital or uber etc nigate the spend on the card towards the bonus? So if it is saving you $20, does that remove the amount of spend towards the bonus by the same amount? So you end up having to spend $120 MORE in that six months to cover what they basically gave you back as a credit?

@kowens2k1 Жыл бұрын

Either =) I would be interested in your views on why or when to cancel cards and which ones, if any, you have canceled. I'd also love to know which cards and in what order you would get if you started today knowing now what you know.

@pizzazze1 22 күн бұрын

Wait isn't chase sapphire has 2x points in everything else, isn't that better vs freedom?

@josenavarro3751 5 ай бұрын

Dude!! Please tell me what camera your using to record this video ? Dang it looks crisp ! Team chase !!

@TheQuickyouknow Жыл бұрын

Personally, I'm loving the Capital One duo. I definitely don't want 3 active cards to use. Unfortunately, there's no gas benefit, but I don't fill up very often so I just throw it on the Venture X for 2x.

@drewinthecut Жыл бұрын

Can you buy $10 gift cards every month at Cheesecake Factory or Shake Shack, and get credit that way?

@eduardzzzz Жыл бұрын

Yes

@oui.monsieur Жыл бұрын

My fav out of all those top tier cc is the platinum I have sapphire higher one and I prefer the Amex platinum all day. If you went ev you wouldn't stress the gas points 😉

@starbucksjimmie7112 Жыл бұрын

I’m working on my trifecta with chase fixed my credit and went for my CSP now just the waiting game of my plan for my other two

@luisvelez647 Жыл бұрын

Dan, I only have the Chase trifecta because I'm afraid of splitting points between Amex & Chase, wouldn't you miss out on accumulating more points in one platform so when you book a trip they all come out that account (say chase or amex)?

@Daniel_Braun Жыл бұрын

The good news is that for several airline transfer partners (British Airways, Air France Flying Blue, Singapore, etc), they are both Chase and Amex partners - so you can always consolidate points by transferring to programs like those. Amex has a few other really good airline partners that Chase doesn't have and Chase has Hyatt which Amex does not have - but in general I think it's really nice to have flexibility with options across both Chase and Amex. That being said, if spending if very low and not many points are being earned, then the argument could be made to focus on just 1 program between Amex and Chase instead of more than 1 if that makes sense. Lots of ways to approach this and it all depends on each person's spending habits!

@docsays Жыл бұрын

Both also share Marriot as a hotel partner.

@bshodiya Жыл бұрын

@Daniel Braun: How often do you have to travel each year to make the Platinum worth getting? I am truly considering it. I already have the Preferred and Freedom Unlimited from Chase. The Platinum would be the ultimate card, but worried if I don't travel enough to make it work.

@mataale97 Жыл бұрын

I have the chase freedom, AMEX gold, & blue cash everyday, Costco citi visa. Practically they all cover the necessary used. Just be smart how you use them.

@LaQueenaSterns Жыл бұрын

I’m 19 and I started off with the discover it student card at 18. My credit score is sitting at 765 and this month made a full year of me owning my first credit card. After looking at my highest spending category on my discover, I realized that the Amex Gold card would give me amazing value. I’m just nervous because I truly don’t want my score to dip, even if it’s temporary of course. Any advise would be helpful from anyone in this same situation or have already gone through this. Thank you!

@philcalibur9710 Жыл бұрын

I’m 20 somewhat similar boat I have 5 cards now with my latest Being the Amex gold love the card the dip in your credit now is minimum compared to the benefits and everything you’ll have later on good credit is important but as long as you’re over 700 don’t be afraid to let it dip a little to acquire a new card credit is your tool use it!

@LaQueenaSterns Жыл бұрын

@@philcalibur9710 thank you so much for responding back! I’ve been over thinking about the whole “temporary dip” with the credit score without realizing the benefits and perks that come with the card itself. I’ll be keeping my eye out for a referral that’s worth the hard inquire. The best one I’ve seen so far was 90,000 + $200 back on your statement.

@Sakurasan2023 Жыл бұрын

Love the video ❤

@drewinthecut Жыл бұрын

I went to a Chase location to sign up for CSP and they offered 80,000 points and waived the $95 annual fee for the 1st year. This was about a year ago

@snooze12 Жыл бұрын

So I always thought the chase 2 freedom cards were cash back cards. How does this work, do you receive points or cash back? Sorry if this is a bad question I am 20 and new to credit cards lol

@Daniel_Braun Жыл бұрын

That's a perfectly normal question because Chase advertises these cards on their website as earning cash back. But really you are earning points that can be converted to cash back where basically 1x points = 1% cash back, 2x points = 2% cash back, etc. But the better value is to combine the points earned with the Freedom cards and move that over to a Sapphire Preferred card which has transfer partners with airlines and hotels!

@snooze12 Жыл бұрын

@@Daniel_Braun ohhh ok thank you so much. I kind of thought that it maybe worked like that. I am still in college but I really want to be able to travel as I start my career. I have a student card at the moment but definitely want to in the future. Do you think chase or Amex would be better, because It seems like chase is way more affordable but I like the benefits and hotel status that the Amex provides for upgrades. Can’t you also bid on seat upgrades with Amex points?

@mrdr89 Жыл бұрын

Question, if I use a majority of my Chase points for travel, should I cancel those cards and get a different credit card setup? Capital One Venture, for example? Then after 2 years, go back to the Chase trifecta to get the signup bonuses?

@reynaldoalvaradojr5772 3 ай бұрын

Don’t close your cards. Credit age is a factor in your credit scores

@mrdr89 3 ай бұрын

@@reynaldoalvaradojr5772 I have kept my oldest cards open but have closed some of the newer ones that I got the rewards from. My score is still above 800

@samlewis8354 8 ай бұрын

I’m 2/24 right now. Amex gold and Amex Gold delta. Thinking my journey could be like - I’m going to get the Amex gold, gold delta, chase business ink (I have chase business checking account) chase sapphire preferred , chase freedom flex. And then capital one venture x . If I get approved and then business platinum so might not get the X.

@cemperor10 Жыл бұрын

Very entertaining man

@bobv5806 Жыл бұрын

CSP for car rentals every time.

@docsays Жыл бұрын

- same. Also the CFF for cell phone insurance

@jameltanderson 6 ай бұрын

@@docsays so if you use the cff to pay for your phone bill can you get rid of your regular cell phone insurance?

@docsays 6 ай бұрын

@@jameltanderson - yes, absolutely. Just need to have a recipt showing you purchased the phone & a cc statement showing you pay the phone bill on your card if you file a claim.

@GungHoSourdough 9 ай бұрын

All of this is new to me, my only credit card is a Cabela’s Club card, any suggestions to paying that off fast and getting a better CC setup?

@jonathanrodriguez6474 11 ай бұрын

I don’t understand fully though because the the Freedom Unlimited offers the Auto rental insurance as well. So if the CSP really just used for the bonus offer? I guess 2% on all other travel helps vs 1.5 on the unlimited but is it worth it after the first year getting the bonus

@FlameGunner100 Жыл бұрын

For the Amex dining and Uber credits, can you use them on gift cards to effectively rollover credits month over month?

@Daniel_Braun Жыл бұрын

Typically no, but maybe some other people have had different experiences with this. I would search around on Reddit to see if anyone has had any luck with this if you want to try!

@wasxz2000 Жыл бұрын

amex platinum states you can get a gold for no additional fee. Does that mean you can stack the uber credits for Gold and Platinum , i.r. $240 and $200 respectively

@tylerharding6874 Жыл бұрын

I have the Chase Flex and have a lot of spending in grocery and dining. Is it best to work on completing the chase trifecta to maximize points or get the amex gold. I know I will not have a use for the Amex Platinum, but I would utilize the cash back categories of the Gold.