As an Amex employee, thanks for acknowledging our customer service!

The purchase protection on Amex is so underrated. I think most people underestimate the amount of protection it gives you not just for stolen items, but also for things you simply lose or break. Up to $10,000 for a single item and up to $50,000 a year. For me personally this far outshines any other card.

SIS - may I suggest you make a 101 EXPUNGE correlating this to the Chinese Credit Scoring System; you know, the system where an entire nation's people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare.

I started out with the discover it secured student card and after a little more than a year I'm up from a $200 limit to $3500. I only use it for food and gas and I've seen my credit score go up. I got the card because I watched one of your older videos back in the day. Appreciate it man.

Graham really is getting creative with the way he asks for us to smash the like button and subscribe.

every time he does the voice when he mimics haters it sends me

Sis - may I suggest you make 808 CREDIT SCORE correlating this to the United States Credit Scoring System; you know, the system where an entire nation's people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare.

Does anyone else notice that the comment section just got slammed with spam advertising with tons of likes?

Anyone else who spends $1000 a month on groceries feeling ashamed right now?...

One thing to note - if you do get the Chase Sapphire Reserve, then the Chase Freedom Unlimited (normally 1.5% back on all purchase) goes up to 2.25% with the redemption bonus. This makes it better than than the Citi Double Cash Card in this case so you can cut it down to 4! I will be releasing a video soon to cover this plus the new benefits Chase just added

This is pure value added to the community. Thanks for all your hard work. I'm going to get me one of these cards right now.

I’m consistently amazed at how creative you are in requesting the like button smash!!!!!! You’re the best at it!

Graham: try these 5 credit cards Dave Ramsey: cut up all 5 of those

Loved the vid graham! Quality information, watched all the way through!

does anyone else close their eyes after clicking the submit button on a credit card application ? and then automatically hate yourself after getting denied because you knew that you had too many inquiries but you went and did it anyway...

I love the way you ask for likes. Usually you tubers are a little annoying but you make me smile and smash every time.

*Discover IT is my most favorite one 👍🏻👍🏻*

He probably has a closet of credit cards

Thanks for making these videos. Only because you educated me on why I should have a credit card, I got the Discover it Secured. I am almost a year in and have paid everything on time. As a 21-year-old, no one has ever taught me this, thanks to you.

Just got approved for the gold with a 75k points offer :). My first annual fee card, so excited!

What the hell is with these bots!?!

“A banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain.” ― Mark Twain

It's crazy how much I use you to explain a lot about finances to my friends and family

If you double tap to rewind or fast forward I guarantee you'll hear Graham say "cash back"

Thanks Graham! I was just deciding on what credit card to get. Perfect timing😂💳💸👌💕

I like Apple Card’s 2% with Apple Pay feature plus 3% on anything Apple store related. Similar to amazon if you use Apple a lot (movies, Apps, games” I think it makes sense. Also the user interface is second to none in terms of paying the bill and seeing what you spend on etc. now that Apple Pay is mostly ubiquitous in most places I shop I use it a lot for that 2%. But obviously not great if you don’t have any Apple products or aren’t in the Apple ecosystem.

The 5% cashback with the the Amazon prime card is worth it's weight in gold alone! thanks for sharing this information Graham.

I hit the like button so fast. Thank goodness the puns finally ended.

that digiorno joke nearly did me in lmao

On my 18th birthday I signed up for the Discover It Secured following Grahams advice. Within 11 months I'm up to a 767 credit score. I've tried applying to the Amazon prime card twice now but have gotten declined due to 'lack of credit history'. I'll be trying again once I have 12 months of history 🤷‍♂️

I can sleep at night knowing my new chase sapphire reserve card, that I just signed up for, is Graham Stephan approved 😍

I think the Costco card is one of the best cards out there. Worse case scenario you don’t have a Costco membership and so it has a $60/year fee, or no fee if you already have a Costco membership. The rewards are 4% on gas, 3% on travel, 3% on dining, 2% on Costco, and 1% on everything else

Nicceee!! Time to use those credit cards to get some vacations after rona of course!

He’s definitely growing more and more hair since he started.

Hell yeah , watched this video and applied for he Amazon card and instantly got approved. AND as of right now they are offering a $150 gift card w approval !!

Hi! Love your vids!! Could you please make a video on those pay in installment services like Klarna, afterpay, etc...because your vids about spending money are really great, easy to follow and understand, I would like to hear your input on these services!(:

I really like the AMEX products, the Gold card is a bit rich for my liking, but the Blue Preferred Cash with the 6% cash back bonus is niceee!

I don't even watch the videos anymore. But I do smash the like button for being able to read the description

When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said...I’ve seen & experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that my brother was able to get out of debts & bad credit to become his own boss 💪🏽 by using 850FINANCIALASSESSMENT🎡COM

I have the first 3 cards he mentions, however this would be my NO AF recommendations: Discover IT - 5% rotations Freedom Flex - 5% rotations + 3x categories Citi Double Cash or Paypal MC - 2% anything Am Exp Blue Cash - 3% groceries or Blue Preferred - 6% ($96) Wells Fargo Propel - 3x Travel Eventhough i have the Amazon card its optional or extra b/c Amazon is covered by Freedom & Discover.

Your videos on credit cards are my favorite videos made by you lol

Ranking in Grahams comment section is harder than ranking in youtube search lol

I have an Amazon Prime card and it is definitely NOT interest free! They actually have a very high interest rate but I pay mine off every month so it's not a big deal. The cashback on purchases is great though.

Graham your OG credit card videos were part of the inspiration for starting my own KZfaq channel - never forget your roots!

Been looking at credit cards and this magically popped up 🕵️‍♂️

I have 3 of the cards listed and I AGREE Like button DESTROYED!!

Finally some good information I’ve been searching online. All I need to do is come here to this channel. Subbed.

Superb Video Graham!!! The main thing I love about your videos, you always give practical constructive actionable advice! There is always some step I can take to improve my finances, literally as soon as I finish the video! I really appreciate it! Thanks for all the hard work(researching, etc)! Oh, I smashed the like button

This comment is strictly for the KZfaq algorithm.

I am smashing the like button harder than ever baby

"the bragging rights" 🤣🤣 that's what's all about

Hey Graham! FYI The Chase Freedom Flex is replacing the Chase FREEDOM and NOT the Chase Freedom UNLIMITED.

I think it's going to be hard because I talked too much. You talk fast. Thank you for the video. I will study English with this. I love KZfaq.

What’s up Graham it’s Paul here. Thanks for the financial advice. I’m going to be applying for these credit cards to bump up my score.

Fellow brothers in arms, a lot of these annual fees are waived for us. I signed up for the AMEX blue cash preferred and no annual fee and have saved $300 in first 5 months.

Great video, the new flex card also gives you like 800 insurance for your cellphone when paying your bill with it, very cool. The purchase insurance on the gold card is amazing. Purchased an 900 dollar tv and we had an accident that AMEX reimbursed me for. So the card already paid for itself for like 3 years in just that claim alone. I also believe I scored an 75000 signup bonus.

The 42 dislikes are from Dave Ramsey and his business ❤️

Liked and subscribed just for the crazy power ranges reference

Last year: "Who's going to spend $1000 per month on groceries!?" This year: "..."

Take the Freedom Unlimited over the Citi double Cash. The Cash Signup bonus ($200) means you have to spend 40k on Citi double cash before it's earnings over take the CFU (2% vs. 1.5%). Plus with having the CSR those points transfer over at 1.5 bonus so the unlimited is clear winner.

The flex replaced the freedom. Not the FU. Unless I misinterpreted the information?

I hit the like button but not because I wanted you to stop with the credit card jokes/puns 😂

Papa Dave says NOOO!!

Someone who doesn’t necessarily have these cards nor a large amount of credit, don’t get all these ASAP, it’ll screw your credit score if you didn’t realize that. It’s best to apply for a card every 6 months or so. The best ones to get are those that’ll give a high limit with no annual fee, just do research. No annual fee, 2k starting Id say is pretty good, correct me if I am wrong. I am working on trying to build my score by building my limits and trying to obtain more items that’ll help build my score. My parents told me that credit cards were like the devil so I wish I started this about 5 years earlier. I’m 23, score of around 720 and slowly building up. Just bought a house and we are still moving up in the world!

Here is my top: - Chase Freedom - 5% rotating, I bank these for years and then get the Chase Sapphire Reserve for a year to use it to transfer my points for 1.5x points on travel (we save up for 4 or so years and then take a nice vacation...) - Discover IT - 5% rotating, first year every point is doubled - this has been our 2% card for two years (1% on everything - another 1% on everything at the end of the year - I got one first, my wife got one the next year) and I heard from Sebby or Shifu that you can get a second card even if you already have one. - US Bank Cash+ - 5% on a category you choose - always choose Utilities and have all my Utility bills autopay through this. - American Express Blue Cash Preferred - 6% on Groceries ($95 fee) - Amazon Store Card (I couldn’t get the Chase Amazon Prime card because I was over 5/24, but Amazon has a store card too! Through Synchrony bank) - 5% on Amazon. - Savor or Uber card. For restaurants. We have both because the Savor was a killer sign up bonus, and I tried to downgrade it after a year to not pay the fee, and they told me that I wasn’t allowed to downgrade, but then they waived the fee for another year, so....... - Abound Credit Union card - 5% on gas (when the discover or freedom aren’t 5% on gas) - I tried to get the Bank of America Cash Rewards card: 3% on Online Shopping! But was denied (833 credit score, 2% utilization, 25 year credit history..... the guy finally told me after arguing my way up, that “I wasn’t using enough of my credit limit” ie, I didn’t spend enough and they’d never get any interest out of me.- still very upset about this.....) - I’m also looking into the a Wells Fargo Propel to replace my restaurant cards above. With a little planning, you can really make out well by using the right card for the right spending!

Wow! And I thought I was ballin out with the Chase Freedom Unlimited and Discover It Card lol

Just applied for the chase freedom flex, getting the checking account as well, bouta cash in on that $400 bonus total $$$ Thanks Graham!

That's awesome Graham! More Credit Card content, please!

hi graham, cant wait to watch this video.

*Amazon primes business model* - get people to spend money on prime... to spend MORE money, GENIUS!

I've got one of these credit cards already and also a line of credit and a student loan that's adding to my credit history. Word of warning though, think before you buy and if you can wait a week for a purchase then you'll be better off financially. Impulse buying will just get you in to trouble.

Hi Graham, only two cards I would change from your list. For high spenders I recommend Alliant Visa signature with 3% back first year; then, 2.5% back after first year. There is a annual fee of $99. You can replace citi double cash with Alliant visa. 2nd replace chase freedom with Sam's club mastercard with 5% back on gas. other cards on your list will cover groceries, amazon, dining and travel.

Next time I look at my credit cards, the "Go Go Power Rangers“ theme shall sound off in my head.

combining credit cards is like combining the power rangers lol

I do look forward to the evil Graham voice when watching your videos.

I was hoping to see CreditShifu in the comments talking about his grocery spending 😂

Graham I gotta disagree with you on this but I believe the freedom unlimited is a great alternative to the citi double cash Bc if people strictly use cash back for traveling (which they should) it gives way more value for cent per point. 1.5% cash back converted to points redeemed for traveling could be valued around 3% cash back return

This is a little bit different than my list, but great video Graham!

Man, this Graham was no where near 2 million subs... Congrats on your hustle and knowledge... keep climbin brotha...

1. Discover it - 5% on rotating categories. Great starter card. 2. PNC Cash Rewards Visa. Gas and Food. 3. Citi Double cash rewards - for 2% all the time That's all you need.

Lol, more puns please Graham! Jokes aside, excellent point with the Amazon credit card! Here’s the shocker - If you spend $1000 on Amazon, the credit card saves you $50 and that is 250 20cents iced coffee!

4:32 You are the best at this "smash the like button" thing. It's almost impossible not to give you a 'like'.

The speed at your talking is crazy YOURALSOGONNABEGETTINGINGING

I love Discover. The best card ever.

Clever way to tell us to smash the like button for the KZfaq algorithm 👍

😂😂😂the jokes...we need a graham tells jokes channel

Thanks Graham, I just posted a link on best credit cards on your twitter page last night, what a surprise that was your upload plans for today! You rock man!

I can never justify Amex Gold because I spend $200/mo on groceries and resteraunts combined, but it is a really good card for those that spend more!

My parents: credit cards are bad Papa Graham: Credit cards are the best thing that’ll ever happen to you!!

Freedom flex is replacing the regular freedom

Comment for the Graham! Wait, no, wrong social media platform... Comment for the Algorithm (Double checked the thumbs up is blue!!) so Graham can buy himself another 20 cent iced coffee!!

US bank cash plus is an amazing card! I might get the freedom flex to switch things up. Currently rolling with 3% back on gas.

Hey Graham, I really enjoy your (credit/debt) card videos. You break things down well enough for just about anyone to understand and choose from. On that note, could you make a video on the best business credit cards/banks? Thanks in advance! - The like button smasher

am i the only one who noticed u said “if you” twice around 12:35

Just got the Flex thanks to your explanation thanks Graham!!

I think it's time for a new "best credit cards for rewards in 2021"

after watching graham not a single penny has left my bank account in over 4 months.. just gaining... i love and hate this feeling.........

I smashed the Like button as soon as I heard the jokes

I also recommend the US Bank Cash+ Visa Signature Credit Card. No annual fee and 5% cash back on home utilities (e.g. water and electrical bill).

The Amazon Prime card is giving promotion 4% back on everything outside of Amazon till February... that is a great deal to pay bills and others