Zero new cards? 😂,…I’ll bet my Corvette that you apply for a new card this year. Actually, I’ll bet my house. 😂
@manfa7 ай бұрын
This guy is a joke
@MarkReese7 ай бұрын
😂😂😂
@Leoprieto747 ай бұрын
@@MarkReese damn, 41 likes to my joking message,.. I was truly just trying to be funny Mark! You know we love you brother and wish you luck buying your house. 👍🍻
@MarkReese7 ай бұрын
@@Leoprieto74 - The community here is awesome 😁👊
@sol_nb71437 ай бұрын
Blood acting like his ass owns a Corvette
@FatStacksAcademy7 ай бұрын
Calling it now! You get a new Amex biz card or 2 by the end of the year 😊 no hard pull, no new account on your report.
@MarkReese7 ай бұрын
😬
@izzy-cq2ur7 ай бұрын
im a control freak and i love these type of break downs thank you
@MarkReese7 ай бұрын
Glad you enjoyed it!
@lisapark17587 ай бұрын
love love love all the organized format and the visuals. you are sincerely number 1 out there!!
@MarkReese7 ай бұрын
Thanks Lisa!
@sunshinecycling4 ай бұрын
This is crazy. It's a full time job keeping track of which card to use when. Who has this kind of time?
@MarkReese4 ай бұрын
People who enjoy playing the game. For the majority of people, using a lot of cards is not recommended.
@ivangarciaramos39405 ай бұрын
I did not see that coming. Also for my house hold. Capital One Duo for Dining & Travel. For everything else utilities & groceries etc.. cash back.
@MarkReese5 ай бұрын
C1 Duo = 🏆
@greentechgiraffe7 ай бұрын
awesome video… congrats on the desire to buy a house! Lots of cards and surprised not to hear your classic ending!! By the way, you are great!! Have a great day!
@MarkReese7 ай бұрын
Thank you! 💯
@christopheresquivel41697 ай бұрын
I'm doing the opposite, looking at getting 3-4 cards this year, my 1st card was the chase ink business unlimited.
@MarkReese7 ай бұрын
Congrats on the approval for the CIBU!
@DJOctober7 ай бұрын
Good luck and I hope you get the best interest rate available for your home purchase! Here’s a pre-congrats cheer! 🎉 I’ll be focusing on spend categories this year as well, gardening 5/24 until 2025 and also purchasing a home (hopefully) next month! Imagine going to pay at the counter, pulling out a wallet holding 24 cards, going through each one to find you 3x/4x card 🤣 Your Wallet app must be absolutely PACKED! Love your content. - Ivan.
@MarkReese7 ай бұрын
And a pre-congrats on your home purchase as well! 🥂
@EXPRECDJ7 ай бұрын
Amex Gold is 👑 of earning points.
@MarkReese7 ай бұрын
It definitely can be!
@shawn.credit7 ай бұрын
Yup, I closed my Amex Green as I used my Amex Gold the most all last year it’s my daily driver!
@shishigumi7 ай бұрын
Best of luck on your house hunting!
@MarkReese7 ай бұрын
Thank you!
@CheckRaiseYou087 ай бұрын
I PC'ed the dividend into a custom cash. I also PC'ed the double cash into a second custom cash.
@MarkReese7 ай бұрын
Legit! Great to have more 5% cards 🏆
@RickWilsonLawnCare7 ай бұрын
Congrats on deciding to buy a home! I'm available to help in anyway I can! Cheers!
@MarkReese7 ай бұрын
Thank you, appreciate it brotha!
@JakeVanderPloeg7 ай бұрын
Great video as always Mark! How difficult was it to get approved for the Wyndham Earner Business card?
@bobv58067 ай бұрын
Not hard. I think he had some issue but in my experience it was easy. Check his channel for the video.
@MarkReese7 ай бұрын
It was a real hassle for me, though my experience is not representative of what happens to everyone. Here's a link to the video: kzfaq.info/get/bejne/fpOUfJNopr6lmWQ.htmlsi=gaWGpf_qiyiCUhhr
@JakeVanderPloeg7 ай бұрын
@@MarkReese Wow my heart rate rose just by watching your application😆
@pointsofview63467 ай бұрын
I like the Barclays American Airlines Business card better than the Citi version. Barclays doesnt offer that one anymore :(. Using business cards over personal ones when you get closer to buying yoru place may be a good idea so that the lender doesn't think that you have a bunch of debt obligations. Even though the balances are paid off every month.
@MarkReese7 ай бұрын
Hope to see Barclays bring their AA biz card back 👍 I think it was last available in June 2023. Good point about using biz cards when it gets closer to the home purchase. Definitely want to keep the utilization down & the credit score up 📈
@pointsofview63467 ай бұрын
@@MarkReese The Barclays version had the best sign up bonuses too
@MichaelBrown-kp1kb7 ай бұрын
@MarkReese would love to see a video on Wyndham compared to some other hotels; I use predominately AMEX, but the Wyndham Earner Plus gives 6x back on Gas and Wyndham stays, plus 4x back on Groceries and Dining. With a 45k point bonus after $1k spend and most rooms averaging 7500pts per night, I would consider it a sleeper card at just $75 annual fee.
@MarkReese7 ай бұрын
The bulk of the Wyndham portfolio consists of budget / extended stay properties. If you prefer a lot of options in the upper midscale, full upscale, or luxury properties, then Wyndham is not a good chain to use.
@MichaelBrown-kp1kb7 ай бұрын
But the other side is they are everywhere. I tend to avoid them in the city and go with Marriott; but away from the city there’s more options.
@MarkReese7 ай бұрын
@@MichaelBrown-kp1kb - Yep great point. Their footprint is massive.
@TheAmazingDollarman7 ай бұрын
Can’t wait for the invite to the housewarming party!!
@MarkReese7 ай бұрын
😁
@naveenthemachine7 ай бұрын
My next card to get is the United club infinite card. Because of the 90k bonus miles. I’m planning to travel internationally soon on that airline so the 90k bonus miles would be nice. Then after a year I’ll probably downgrade to the Explorer card since I find that card easier to justify its annual fee than the quest card where you have to go through too many hoops to justify the higher annual fee
@MarkReese7 ай бұрын
Legit! Good luck on your application! 💳
@naveenthemachine7 ай бұрын
@@MarkReese I haven’t done it yet haha. Once I decide when to book tickets I’ll then jump on it
@sle3pyco7 ай бұрын
@@naveenthemachinelet me know if you need a referral link.
@ThePerfectElement5557 ай бұрын
Great video Mark! Interesting to see the shift to a Cash back focused setup. Just a question: I've seen multiple KZfaqrs who I know have the Amex Platinum say they value the Hilton Gold status of the Amex Hilton Surpass. Isn't this status redundant with the Amex Platinum? Or does the Hilton Surpass somehow provide extra Hilton status benefits beyond the Gold status the Amex Platinum provides?
@MarkReese7 ай бұрын
The status between the 2 is redundant. No extra benefits of having both.
@kura_bot7 ай бұрын
Great video, I love your setup
@MarkReese7 ай бұрын
Thanks, glad you enjoyed it!
@EmilGabrielNYC7 ай бұрын
lol you have a new strategy every year!
@MarkReese7 ай бұрын
😁
@ryanccc7777 ай бұрын
New Wells Fargo cards / potential transfer partners might force the matter on no new cards.🤣 Best of luck with the pending home purchase.
@MarkReese7 ай бұрын
Thank you! My focus right now is cash back, so new WF cards with transfer partners won't help me with my goals. Perhaps in 2025 though ✈
@ryanccc7777 ай бұрын
@@MarkReese with your pending home purchase you can put out more content about how Bilt needs to cover mortgage loans as well to send out positive vibes.😀
@sudhisira7 ай бұрын
Best wishes on your upcoming house purchase!
@MarkReese7 ай бұрын
Thank you!
@chriseverydailyshow41647 ай бұрын
Doesn't the Bonvoy business card also give you 15 elite nights to add to the 25?
@MarkReese7 ай бұрын
Ah yes it does, and I do use those ENCs 👍 Thanks for catching that!
@chrisbrown87487 ай бұрын
I feel like I’ll be making similar changes to my setup in the coming year.
@MarkReese7 ай бұрын
💯👍
@chriseverydailyshow41647 ай бұрын
You may not have the target card, but it's 5% beats 4.5%. Maybe if you go there enough it would make sense to get. And cash beats a portal.
@chriseverydailyshow41647 ай бұрын
Well, since I heard you just say you're a credit card KZfaqr, then you should get the target card! And it actually pays more...
@MarkReese7 ай бұрын
@@chriseverydailyshow4164 - Perhaps in 2025!
@chriseverydailyshow41647 ай бұрын
@@MarkReese right! Gotta get that house.
@Bertoquest7 ай бұрын
@ mark Reese if I close all my credit card and just keep my car loan will that drop my credit score because me to i want to by a house
@mikegoodwin23867 ай бұрын
I used to drive by a Target every day going to and from work. If I was still that close, I would have that card. But now I'm an hour and a half from a Target and stop in one maybe once every two or three years.
@charleswheat32517 ай бұрын
So I watched one of your videos where they’re considering all the platinum variations the same product, so does that mean that I can change the vanilla to the Schwab version?
@MarkReese7 ай бұрын
Nope. They're totally separate and cannot be product changed to each other.
@Richard-yc4st7 ай бұрын
Citi custom cash, Is this card good for sams club gas,walmart gas?
@MarkReese7 ай бұрын
I can't confirm as I haven't tried it. All I can say is that the terms exclude those. To quote, the Gas category "excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code."
@MultiJuan1205 ай бұрын
I think it will work because it's a MasterCard and since Sam's club issues its own credit card as a MasterCard I assume that it will be coded for it to work with any other MasterCard, I personally have the Chase Freedom Flex with the intro bonus of 5% back in gas stations and it works with Sam's gas
@l.a.rivasesq.88417 ай бұрын
Congratulations on purchasing your first house!
@MarkReese7 ай бұрын
Thank you!
@rehanahmad59117 ай бұрын
I use Hyatt for my gym membership as a recurring spend. Cant think if a better card for that.
@MarkReese7 ай бұрын
Good choice!
@chriseverydailyshow41647 ай бұрын
What happened to the VX for the 2X vs doublecash?
@MarkReese7 ай бұрын
I'm prioritizing cash back over travel right now. The C1VX is a bad choice for that.
@chriseverydailyshow41647 ай бұрын
@@MarkReese oh, I see. Was curious since you thru in the Amex platinum to buy plane Tix along with other travel only cards, like the hotel ones. Would be interested to see what changes over the year and where the heaviest spend goes. Maybe a video topic?
@MarkReese7 ай бұрын
@@chriseverydailyshow4164 - Schwab Platinum Card (1.1¢ per point) is more than twice as good as the C1VX (0.5¢ per point) for cash back. Thanks for the video suggestion.
@chriseverydailyshow41647 ай бұрын
@@MarkReese sure. Look forward to it. Ah, I see. You'll be cashing out all points across all cards or at least that sounds like the plan for now...
@MarkReese7 ай бұрын
@@chriseverydailyshow4164 - I do plan to redeem a lot of the rewards I have to start over at 0 again, but some I'm saving for a future trip.
@aktejas_20957 ай бұрын
This guy is the bag holder, Citi Bank layoffs up to 20k employees and massive earnings losses in the billions...sounds like a great place to do business with.
@MarkReese7 ай бұрын
What's your point?
@aktejas_20957 ай бұрын
😂
@zenster10977 ай бұрын
How do you get two discover and flex?! And the bonuses?!?! Especially for discover?!
@MarkReese7 ай бұрын
Discover allows you to have 2 personal cards. They can be the same version or different. All you gotta do is apply, but make sure the applications are 1+ years apart. For Chase, you can product change your way to multiple CFUs, multiple CFFs, or the original "Freedom 5%."
@mikegoodwin23867 ай бұрын
You can supposedly get a new Disco every year. Have two. When the older one is almost two years old, cancel it. Then when the new one is a year old, apply for another. So you have two most of the time and always have one getting the double bonus for 10% on rotating categories up to $1500 spend per quarter and 2% unlimited everything else. When you hit the $1500 cap, switch to the older card and still get 5% for up to another $1500 spend.
@annwaltzer7 ай бұрын
what about the AAA card which give back 5% on groceries? Can you review that please?
@MarkReese7 ай бұрын
Perhaps at some point!
@YanLuo7 ай бұрын
I called into chase for product changing my freedom flex to OG freedom but was told that’s no longer an option. I was told the same by three separate agents. Any recent data points success?
@MarkReese7 ай бұрын
Hmm. I did my product change in Sep. 2023, though it was from the Freedom Unlimited (Visa) to the OG Freedom 5% (Visa). Do you have either the CFU or CSP / CSR? If so, call & ask if one of those Visa cards can be converted to the OG Freedom 5%. You don't have to proceed, just ask.
@ovx237 ай бұрын
wow ive never heard of the citi dividend since ive only been in this game since 2020 😱😱😱
@MarkReese7 ай бұрын
😁👍
@dougn73197 ай бұрын
Good Stuff Mark. I'v read that some people have been able to product change into 3 of the citi 5% custom cash cards. That + some other misc 5% cards might actually be the best set up. I'v got 5% rotating category burnout - I don't even pay attention anymore now that the fixed 5% exist. I just keep them open in case I want to product change into something later.
@MarkReese7 ай бұрын
I've read the same! Pretty awesome 💯
@shawn.credit7 ай бұрын
I want the WF Bilt card at the end of the year no apps planned here otherwise.
@MarkReese7 ай бұрын
Great card! Make it happen 👍
@shawn.credit7 ай бұрын
Thanks man, I just added the Amex Blue Business Plus card this evening unexpectedly but happy nonetheless! My 8th Amex card and 5th business card 2x MR everything else will be excellent!!!
@MarkReese7 ай бұрын
@@shawn.credit - Congrats! 🏆
@billionaireclub17037 ай бұрын
Just opened my business card from chase. Can I pay my bills and mortgage with it?
@MarkReese7 ай бұрын
Congrats on getting the card! Bills can be paid with the card. A mortgage cannot.
@deveng77667 ай бұрын
I know this has nothing to due with he video but I’m curious about getting my first Barclays jet blue credit card is it good or nah …?
@MarkReese7 ай бұрын
Depends on how often you fly JetBlue. Generally speaking, I consider airline cards good for benefits / perks / status ... not for everyday spending. That said, the JetBlue Plus card for example is all right for buying tickets at 6X points, but the 2X categories aren't that exciting. Here's a link to another video that gives a broader perspective of it all: kzfaq.info/get/bejne/jc5_l9Nptszdpac.htmlsi=M4PfxNhLcP_q_ps0
@chriseverydailyshow41647 ай бұрын
American allows 2 cards for cash purchase? How do you use the AA card with the Platinum when buying tix?
@MarkReese7 ай бұрын
The AA card doesn't get used for tix. All tix = Amex Platinum.
@chriseverydailyshow41647 ай бұрын
@@MarkReese oh, so how do you benefit from the AA card if it's not used in any way to get the tickets?
@chriseverydailyshow41647 ай бұрын
Meaning, how can you get free checked bags or any of the AA card benefits if it's not used?
@MarkReese7 ай бұрын
@@chriseverydailyshow4164 - I use it for the 4 benefits mentioned in the video at 11:55. All of the relevant card benefits get linked to your AAdvantage account, so as long as you add your AA # to the reservation, you get the free checked bag + preferred boarding. You don't need to use the card for the booking. That said, yes, to save on an inflight purchase, you need to use the card, so I'll charge my $12 chicken wrap / WiFi to the card if I decide to eat / connect on the plane.
@khanscombe6197 ай бұрын
💯
@MarkReese7 ай бұрын
🏆
@shortideaghk7 ай бұрын
How about Gas category. You didn’t note the Wyndham at 8X for gas.
@MarkReese7 ай бұрын
Correct, I only listed the features I'm personally using. Not using the Wyndham Earner Business Card for gas right now ✌️
@j.r.14267 ай бұрын
Very nice selection across different banks, possible 2 to many amex cards
@MarkReese7 ай бұрын
Thanks!
@RITPA7 ай бұрын
Nutz lol
@MarkReese7 ай бұрын
🌰
@ludovicusclericus7 ай бұрын
You must be rolling in the dough bud, to buy a house in California!
@MarkReese7 ай бұрын
I moved out of CA.
@DarkCeremony7 ай бұрын
👍👍
@MarkReese7 ай бұрын
👍👍
@SOXGATORS7 ай бұрын
👍🏻
@MarkReese7 ай бұрын
👍
@Ben-he4jx2 ай бұрын
Holy crap are you all over the place. Wouldnt it be better to focus on one or two rewards points
@MarkReese2 ай бұрын
Things have changed since publishing this video 😄 Check out this one for the update: kzfaq.info/get/bejne/eq1ogJxkzbibeKM.html And this one for some of the reasoning behind it all: kzfaq.info/get/bejne/pdp3h85huNnSink.htmlsi=VK7XRjIvlUS5AgxM