Stop leaving cards in cars. This is why people break-in to them.
@dabear78222 күн бұрын
i’m sure he leaves it in the glove box or something, not just out in the open
@MattWelterOfficial4 ай бұрын
Definitely agree with a lot of your rankings here & agree that the Bilt, Venture X & (maybeeee) the Amex Gold are S Tier. I might even go as far as to say the Citi Custom Cash is S Tier based on how flexible the 5x category is. Great video as always Spencer!
@ab30404 ай бұрын
Custom cash is A tier only because of the $500 max per month
@SpencerJohnsonOfficial4 ай бұрын
That's great to hear! Of course, everyone's rankings will be different, but considering you and I are at very similar points in our journeys, I'd assume our rankings are pretty similar.
@uHnodnarB4 ай бұрын
Unfortunate day to post a video talking about priority pass restaurants on the CSR. It’s getting removed from the CSR (and ritz) on July 1st, 2024.
@joemama694484 ай бұрын
That's a bummer. What cards get you priority pass at restaraunts now?
@alejandrotrejo67384 ай бұрын
@@joemama69448Venture X I think?
@Anthonyjones-pq4ff4 ай бұрын
Pretty soon there all take away Restaurants from all credit card . They keep raising the annual fee making the credit card not worth using They don’t wanna give Credit Incase on CL . What’s one to Do 🤷♀️
@SpencerJohnsonOfficial4 ай бұрын
Haha tough timing for sure! Luckily it wouldn't change my ranking at all since I have the CSR mainly for the Chase lounge access, but definitely a big blow to some.
@Anthonyjones-pq4ff4 ай бұрын
@@SpencerJohnsonOfficial Spencer what your thoughts on the chase unitedExplore card in place of the CSR card for Access into the United Club Lounges. Watched your ranking of your top card I agree with you.I wouldn’t get rid of my ROSE 🌹Gold Lol Know Anthony V & yourself not big fans of the 🌹🌹
@ItsMeCJ4 ай бұрын
The amount of disrespect in those videos. You can’t disrespect Rose Gold that way! Team Rose Gold will have our say!
@SpencerJohnsonOfficial4 ай бұрын
Hahah we’ll see about that 😉
@mexicogcp4 ай бұрын
They just discontinued the priority pass restaurant perk on the CSR :(
@ab30404 ай бұрын
CSR just really been tanking lately CSP becoming more and more the more valuable of the two
@SpencerJohnsonOfficial4 ай бұрын
Haha tough timing on this upload for sure! Luckily it wouldn't change my ranking at all since I have the CSR mainly for the Chase lounge access, but definitely a big blow to some and I can see how the CSP would be a much better card for those folks now.
@MrDubs60004 ай бұрын
Amex Plat > CSR with Priority Pass Restaurants leaving?
@LK_EBM4 ай бұрын
The priority pass card that comes with the Amex doesn't cover restaurants either
@MrDubs60004 ай бұрын
@@LK_EBM But it is a BETTER card with the annual fee. $550 for CSR is not it
@frankjesusd4 ай бұрын
@@MrDubs6000 even better when you're military. We don't pay annual fees for any AMEX. I got the platinum and pay $0 annually
@SpencerJohnsonOfficial4 ай бұрын
Personally, no, not to me. I mainly have the CSR for the Chase lounge access so that removal of the PP restaurants won't impact me much, although it's a big blow to some.
@Nick-18284 ай бұрын
Chase better have something to help the CSR now that PP restaurants have been removed because at the moment my CSR is getting downgraded to the CSP
@spencerl-yf6bg4 ай бұрын
CSR is now B tier after losing priority pass restaurants.
@Nick-18284 ай бұрын
@@spencerl-yf6bg unless they add a useful credit or multiplier that’s unfortunately correct
@SpencerJohnsonOfficial4 ай бұрын
I completely get that! To me it doesn't change my rankings since that's not what I used it for, but it definitely hurts a lot of folks for sure. I wanna make a vid about what Chase needs to update, so keep an eye out for that in the coming weeks.
@SpartanOfFinance4 ай бұрын
I can imagine CJ shedding a tear when you put the rose gold in D tier.
@SpencerJohnsonOfficial4 ай бұрын
Hahah I hope so 😉
@Anthonyjones-pq4ff12 күн бұрын
Spencer con”t🎉🎉🎉 on the new card . Question can you apply for two Citi card at once or days apart … I’ve apply for Strata but want the custom to complete the Citi trifecta
@koreajong4 ай бұрын
CSR belongs in F tier after they nerfed PP restaurants. They barely have any lounges, and the regular PP lounges mostly suck
@SpencerJohnsonOfficial4 ай бұрын
Hahah that's one way to look at it! Luckily that change wouldn't impact my ranking at all since I have the CSR mainly for the Chase lounge access, but definitely a big blow to some.
@SolidLiquidFox4 ай бұрын
When you get Ritz, you will downgrade CSR
@johnbeyers65224 ай бұрын
Hopefully Chase adds something back to the reserve with restaurants leaving
@heighyew4 ай бұрын
I hope the RC going full metal is a good sign that both CSR and RC are going to get a positive refresh after the terrible news of losing the restaurants.
@JakeVanderPloeg4 ай бұрын
That news was devastating. It was a huge leg up for this card
@Milkinporsche4 ай бұрын
Chase desperately needs a consistent grocery category.
@SpencerJohnsonOfficial4 ай бұрын
Chase is definitely in need of a refresh. Video to come on that soon! Thanks for being here so early! 🥉
@johnmckinstry60574 ай бұрын
After I voted on your community post about the number of S-Tier cards I had in my setup, I did some thinking. I thought that everyone is going to answer that differently based on what they define as an S-Tier card. Those rankings are also going to be subject to change from one moment in time to another. I can definitely see how you ranked your cards for your own setup. I can definitely agree with your ranking of the Amex Gold card and the Bilt Mastercard in the S-Tier because both cards cover your rent and food expenses. For my card setup, I would probably rank the Chase Freedom Flex, Discover It and U.S. Bank Cash+ in the S-Tier, at least for this quarter. These cards are the ones where I am spending the most and all of them are 5% back cards.
@SpencerJohnsonOfficial4 ай бұрын
The ranking system is very much subjective and I think that's the fun of it! Even if we had the same exact cards, you may rank em differently which is really interesting to explore. Having mostly cashback cards, your S-tier rankings here make a ton of sense! 5% on everything is what we're hoping for being on team cashback so you're killing it even though I know you're venturing to the dark side 😉
@wilfredpapaya47394 ай бұрын
can handle only so much of people ranking their CC but definitely will watch yours. wonder where the robinhood gold card will be placed for you.
@SpencerJohnsonOfficial4 ай бұрын
Haha I completely get that! That's why I was hesitant to make this one, but with enough requests I decided it was time. To me, the Robinhood card is great at face value, but the most important concern is that it's from a fintech company and could very likely follow the same path as the Uber card. We gotta remember that when something sounds too good to be true it probably is. We'll see though!
@rank18394 күн бұрын
What’s the future of travel cards? I’m not sure if I should go with Capital 1 or Chase. Any advice?
@shawn.credit4 ай бұрын
Nice lineup! I recently added a US Bank Altitude Go to my lineup, I’ve wanted a US Bank card for awhile! I went the secured card route as US Bank approvals are near impossible haha, in a year the card will graduate so no harm done. ✊
@SpencerJohnsonOfficial4 ай бұрын
You're the man Shawn! The Altitude Go is great. I really want that Altitude Reserve one day, but I'm worried about getting approved for it. We'll see!
@tiwiks14 ай бұрын
Great video! I didn't mind how long it was 🤷. It is a shame that Capital One keeps taking things away from the Venture X. I do agree it still belongs in S tier. It is the one travel credit card I recommend everyone gets if they travel at least one a year.
@SpencerJohnsonOfficial4 ай бұрын
That's great to hear man! I was worried about it being too long but it seems like people really enjoyed it. The Venture X is definitely still solid, but we'll see how it shapes up next year!
@justcruisinmom16824 ай бұрын
Please blow up Chase on how they’re removing our priority pass benefits of the restaurant and cafés we can use as of July 1. I just got the card from one of your videos and I am pissed. That is the sole reason that I got the card. They didn’t even warn us. I had to see it on KZfaq first
@MayaKanaKa4 ай бұрын
I was planning to apply for CSR in April. I will have now to evaluate my options.
@SpencerJohnsonOfficial4 ай бұрын
I actually have that planned out for a future video, so keep an eye out for that. That timing SUCKS though, so I'm sorry about that. Just remember you can always product change down to the CSP or a Freedom card and will always get positive value in year 1 from the SUB and other benefits, so that's a plus.
@dailengarciarosales50414 ай бұрын
Hi! A live in Austin as well and I’m debating between getting the venture x or the CSR. I have the CSP and I’m wondering if upgrading to CSR is worth it for the sapphire terrace or no? Currently, that’s the only perk that may lean me towards CSR instead of venture X but unsure if the terrace would be worth it. Thoughts?
@TheUsflowАй бұрын
Terrace is garbage. No hot food. No hand made drinks, just cans and bottles. and opens at 10AM while every other lounge opens at 4-5AM. Almost missed my flight had to run from the Terrace which is all the way on one side. I am starting to really hate Chase. Promised PHX lounge years ago. Still not open. Avoid Chase.
@jimmyjames64924 ай бұрын
Thanks for the info + video!
@SpencerJohnsonOfficial4 ай бұрын
Absolutely man!!
@isao_the_2nd25 күн бұрын
@@SpencerJohnsonOfficial 5:08 and because it's a visa card, it's a perfect card to use at costco whenever Chase freedom cardholders receive their annual rotating wholesale club spending multiplier that earns 5X UR points
@AboveAllBeOriginal4 ай бұрын
truly an insanely fantastic video for people to learn. favorite CC youtuber and i’m happy to always use your referral links ❤
@SpencerJohnsonOfficial4 ай бұрын
Dude, thank you so much for saying this! That really means a lot to me. I appreciate your support as always!!
@badassuchiha48756 сағат бұрын
I might have to Downgrade my Amex Card I eat at Local Restaurant not mainstreamed I do take Gas at discounted Price hopefully the Fee goes down like you said also I got Capital One not many Perks with them but they're great Credot Cards
@KAD5234 ай бұрын
Great video! Thank you. Think I’m going for that BILT card next. I noticed you didn’t do Apple Card, assuming you don’t have one/planning on getting one or not, thoughts on it? I’ll go check ya roadmap video next though.
@SpencerJohnsonOfficial4 ай бұрын
I appreciate that man! The Bilt card is great for me personally. The Apple card is one that used to intrigue me, but these days it really doesn't offer any value add to me at all, so I won't be getting it unless I eventually run out of bonuses and it has an elevated one for some reason.
@KAD5234 ай бұрын
@@SpencerJohnsonOfficial fully understandable! Valid points made too. I recently got it and like the Daily Cash back into the savings account. I’m pretty new to the credit card game. Learning a lot though off your videos too. Keep em coming. Thank you
@JakeVanderPloeg4 ай бұрын
Great video as always Spencer! Quick question for ya: If I upgrade my CSP to a CSR does that reset my 48 month clock of when I’m eligible for that SUB again?
@jrome11354 ай бұрын
It doesn't
@JakeVanderPloeg4 ай бұрын
@@jrome1135 Awesome. Thanks man!
@SpencerJohnsonOfficial4 ай бұрын
Thank you Jake! Looks like you got the question answered but I echo what jrome said. It's based on when you hit the welcome bonus on your last Sapphire card 👍🏼
@DJOctober4 ай бұрын
I wonder how this list would have been affected if it was posted a day later - when the CSR PP Restaurant was cut! That was a big reason why I was going to choose it over the Platinum for my long term premium travel card. I fly through DFW to Mexico and they have a Centurion Lounge, Plaza Premium Lounge, and a few PP Lounges. I would rather pay $550 for the CSR (and various other benefits) and use the Restaurant pass in a PP lounge than to pay $695 for the Platinum (for not as much value) and use a Centurion Lounge. Tough. Gonna enjoy the lounge one year as I make use of the Welcome Offer on the Platinum, then I'll have to consider my options!
@SpencerJohnsonOfficial4 ай бұрын
Haha tough timing on this upload for sure! Luckily for me, it wouldn't change my ranking at all since I have the CSR mainly for the Chase lounge access, but definitely a big blow to some. I'm hoping they make some positive changes to it in return, but I won't hold my breath. Keep me updated with what you decide between the CSR and Amex Platinum though!
@davidsharp69394 ай бұрын
I currently have two u.s. bank credit cards. I was wondering do any of the cards you mentioned have a credit limit of $10,000 and above? I'm looking for my next card and really wanting a higher credit limit than my current $9,000 limit.
@Anthonyjones-pq4ff4 ай бұрын
Nice set up spencer I’m gardening until My most of my inquiry fall off & im below 5/24 outta chase jail Want chase card next in my set Up freedom, UnitedExplorer for United Club. Lounge Access , Business Ink cards. United Club is in my home airport .
@ghgilland4 ай бұрын
I just canceled my Amex Gold. The grocery multiplier isn’t as wonderful as it sounds. Why? One word...COSTCO. After taking out what we spend at Costco (which we budget as Grocery spending), we don't spend as much as I thought at ordinary grocery stores (something I think Amex knows). And everyone knows the lack of value in those dining credits. Lastly, I just never really was able to get that much value from transferring Amex points. That's not Amex's fault but more of a realization of how I would spend money (we're not luxury travelers). Long story short…I can mostly get a consistent 5% back from the Citi Custom Cash on groceries or restaurants depending on the Freedom Cards from Chase. I definitely wouldn't rate the Amex Gold as S tier.
@GeekyNerdThao933 ай бұрын
I've been looking at what card to get, and Amex Gold seemed extremely good, but then I saw the small list of qualifying grocery stores and now it's way lower on the list for me.
@jay_patel4 ай бұрын
thoughts on the new robinhood gold credit card?
@MrDubs60004 ай бұрын
I personally don’t think it’s worth it. The 3% is pretty mediocre/standard in the credit card game. For example, Chase trifecta can easily beat that and has the flexibility to transfer to partners, making it effectively more than 3%.
@SpencerJohnsonOfficial4 ай бұрын
While at face value the card seems great, I think the most important concern is that it's from a fintech company and could very likely follow the same path as the Uber card. We gotta remember that when something sounds too good to be true it probably is. I imagine in a year or two they'll raise the price of Robinhood Gold and the card will start to phase out. That's just my take though! Thanks for being here so early btw! 🥈
@lwmartin74 ай бұрын
Is the Amazon AmEx MR points you’re earning or points only to be used on future Amazon purchases?
@jameshunter52053 ай бұрын
Platinum Amex went south during pandemic 4500.00 outstanding. Should I pay it off, utilize Secretary of State. or something else? Exp/Equ/Tra all 700 or above. Please advise.
@misbahsusmonom961Ай бұрын
since it doesn't count on the sign up bonus, do I still have to wait until my 2 years are up to get the sign up bonus for the OG Freedom? (If I do a product change)
@MuscleMan5003 ай бұрын
Wait so if amex does a soft pull on credit it doesn't change 5/24 status? I got the amex gold as my first card and thought i made a mistake
@jamesyu6134 ай бұрын
Nice setup and good picks on your cards
@SpencerJohnsonOfficial4 ай бұрын
Thank you James!
@jamesyu6134 ай бұрын
@@SpencerJohnsonOfficial yw
@IanMaschal4 ай бұрын
27:16 I love when I find a contractor who’s willing to take no fee gift cards. 5x on construction or home improvement can't be beat.
@SpencerJohnsonOfficial4 ай бұрын
That's definitely a viable strategy to cover a category no credit card can!
@politic-xz7mx4 ай бұрын
Do they work for Mexico airplanes like Aero Mexico travel credit as they may be partner of the Delta lounge?
@IanMaschal4 ай бұрын
17:56 so you’re just stacking Citi points with no way to transfer them currently? Do you worry about devaluation ?🎉
@SpencerJohnsonOfficial4 ай бұрын
When it comes to the big lenders, I don't worry about devaluation. Devaluation usually occurs with hotel and airline partners, but I'm not worried about the cash value of my Citi points dropping so I'm okay holding onto them for now.
@beastoftheeast86764 ай бұрын
What do you think about the new Robinhood gold card
@SpencerJohnsonOfficial4 ай бұрын
To reiterate from another one of my responses here, while at face value the card seems great, I think the most important concern is that it's from a fintech company and could very likely follow the same path as the Uber card. We gotta remember that when something sounds too good to be true it probably is. I imagine in a year or two they'll raise the price of Robinhood Gold and the card will start to phase out. That's just my take though!
@benchoflemons3984 ай бұрын
I heard CSR is losing PP restaurants
@SpencerJohnsonOfficial4 ай бұрын
Haha tough timing for sure! Luckily it wouldn't change my ranking at all since I have the CSR mainly for the Chase lounge access, but definitely a big blow to some.
@mo-qk1zi4 ай бұрын
If I apply for the Amex amazon prime business first and then later on down the road apply for the Amex gold card, do I become inelligable for the Gold card welcome bonus ? (because they are both amex)
@SpencerJohnsonOfficial4 ай бұрын
Nope! You’re all safe there. There are only certain families of Amex cards where similar language to what you stated applies (the charge cards and the Delta cards). However, you can still get the bonus on all of them if you start from the lowest tier card and work your way up.
@jenniferw89634 ай бұрын
What do you do for utils? No US Bank Cash+ ?
@spencerl-yf6bg4 ай бұрын
CSR is now B tier after losing priority pass restaurants.
@SpencerJohnsonOfficial4 ай бұрын
I can definitely see how that's the case for some. For me, it didn't change anything luckily.
@gabrielpina44 ай бұрын
I have the og freedom and og slate plus the amazon prime chase card and really wanna upgrade the og slate card what card would be the best to upgrade the og slate to?
@SpencerJohnsonOfficial4 ай бұрын
You could always product change up to another OG Chase Freedom if you want to leave your welcome bonus slots open on the Chase Freedom Flex and Unlimited. Or you can product change to one of those, but you'll be forfeiting a welcome offer on it for a while if you do. You can always call them to assess your options and make sure that PC is possible!
@ExTRAErrestrial_Travels4 ай бұрын
So I actually got that Marriott offer. I used my free nights for an overwater bungalow in the Maldives in September 💪🏾. I can’t wait; also got 2 weeks in Japan, Cebu, & Thailand in June. I also got lucky with my BBP I got 75k MR points and 0% APR for 12 months. 😂 I’m sitting in 500k+ Amex points.
@SpencerJohnsonOfficial4 ай бұрын
DUDE, that is awesome!! I may need to join you with my Marriott free nights haha. I need to put those to use. Keep me updated on your travels!
@IanMaschal4 ай бұрын
Chase is taking away the restaurant perk from the reserve Priority Pass
@SpencerJohnsonOfficial4 ай бұрын
Yes they are unfortunately. To me, that wouldn't change my ranking since I use the CSR for the Chase lounges, but I know that hurt some a lot.
@tomygun1964 ай бұрын
lol chase sapphire reserve cardholders are pissed off because of the PP restaurant removal. Venture X and Amex Platinum cardholders: first time?
@SpencerJohnsonOfficial4 ай бұрын
Hahah it's happening to em all! Next up, Altitude Reserve 😆 Luckily that change wouldn't change my ranking at all since I have the CSR mainly for the Chase lounge access, but definitely a big blow to some.
@louisrivera61154 ай бұрын
Where did you purchase your backup/larger wallet?
@SpencerJohnsonOfficial4 ай бұрын
I purchased it from the RJ Financial's Amazon affiliate link!!
@alolansandshrew17564 ай бұрын
A few things that "C" could stand for: Commonplace Capable Comme ci, comme ca :)
@SpencerJohnsonOfficial4 ай бұрын
Haha those are much better for sure!!
@RubbingPotatoes4 ай бұрын
Wheres the citi premier card ? And You included a student credit card 😂
@BobI-jb4rk4 ай бұрын
My score is one A, one B, and 0 dogwater
@SpencerJohnsonOfficial4 ай бұрын
Fair enough!
@ab30404 ай бұрын
Robinhood card reaction?
@SpencerJohnsonOfficial4 ай бұрын
To reiterate from another one of my responses here, while at face value the card seems great, I think the most important concern is that it's from a fintech company and could very likely follow the same path as the Uber card. We gotta remember that when something sounds too good to be true it probably is. I imagine in a year or two they'll raise the price of Robinhood Gold and the card will start to phase out. That's just my take though!
@Drisurk4 ай бұрын
Was that a Spurs flag I just saw? 👀
@SpencerJohnsonOfficial4 ай бұрын
I don't believe I have my Spurs flag out, but I actually am a Spurs fan, so that's a funny coincidence 😆
@manfa4 ай бұрын
5/24 rule doesn’t make sense at all
@SpencerJohnsonOfficial4 ай бұрын
It's annoying for sure!
@ow59664 ай бұрын
Bro just close those cards you aren't using anymore
@_wallow_4 ай бұрын
If he closes them his overall credit limit will decrease I’d say only close the ones with annual fees that he doesn’t use anymore
@SpencerJohnsonOfficial4 ай бұрын
I responded to your other message above which summarizes my thoughts on that. You can definitely close them if you want, but if there's no good reason to, why would you?
@chadpennycuff4 ай бұрын
I'm only buying Chase Student = dog water if you tell me Oden drinks Fiji water. UR points rock. If you had supporting cards for the Citi quad-fecta - I could see Custom Cash being ranked so high. But stand-alone - meh. I'll keep using my Costco card for 4% on gas - it comes close to wiping out the Costco membership fee.
@SpencerJohnsonOfficial4 ай бұрын
Hahah I get that! The main reason it was down there was because it wouldn't ever be a card I used today, making it the worst out of all of em. For the Custom Cash, I see where you're coming from. I think most cashback folks would have it ranked pretty dang high with that flexibility and it's served it's purpose really well for me so I have it up pretty high rn 🤷🏼♂
@DavidGarciajrtx4 ай бұрын
Csr is #1 for me compared to all these cards
@SpencerJohnsonOfficial4 ай бұрын
I completely get where you're coming from! Hopefully that PP restaurant access being removed didn't hurt you too bad. It didn't impact me luckily, but I know it hurt some folks a lot.
@DavidGarciajrtx4 ай бұрын
@@SpencerJohnsonOfficial didn’t hurt me. Not sure why that would be a main driver for the card
@Mohagrus4 ай бұрын
amex gold is a joke come on
@SOXGATORS4 ай бұрын
👍🏻
@SpencerJohnsonOfficial4 ай бұрын
He's baaaaack! 👑
@ow59664 ай бұрын
Bro you have 12 cards you can let some of them go. Don't be so attached to these cards bro.
@SpencerJohnsonOfficial4 ай бұрын
NEVER!! Jk, I always recommend downgrading or closing cards that aren't giving you positive value anymore if they have a high annual fee. However, if they give you positive value there's not much reason to close them considering that would hurt your overall credit limit and eventually hurt your average age of accounts. It's all up to personal preference though!
@shadana72384 ай бұрын
@spencerjohnsonofficial I noticed that you have a dedicated hotel card. Any interest in a dedicated airline card?
@CesarJoel4 ай бұрын
You have some 💪 cards! It was great to see how you ranked them and why. Fun video to watch Spencer! Keep up the great work brother!🫵
@SpencerJohnsonOfficial4 ай бұрын
That's a huge compliment coming from the man himself! You're awesome Cesar!! 👊🏼