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The BEST Credit Card Trifecta You've Never Heard Of
Рет қаралды 15,177
Күн бұрын
@joshua.butler Жыл бұрын
Love that you're exploring alternatives to the normal setups! Overall, I think its a nice setup. I like that you included the PayPal card to cover expenses that aren't payable via mobile wallets. Nice video 🤩
@TheCreditFrog Жыл бұрын
Thanks Josh! Yeah, I was really excited to make this video and explore new options. I noticed my own personal spending habits regarding mobile wallets and that's how this setup came to be. I'm looking to add the Bilt card to my portfolio at some point soon so I was trying to figure out how it could fit well into a current setup, and I think this is a pretty good fit. I want to join in on the Bilt fun!!
@jmbwashi Жыл бұрын
Agreed! I love seeing the off-mainstream ideas. They do a good job of opening up people’s ideas and options.
@RemGb10 Жыл бұрын
Another unique plus with USB AR is when travelling abroad and making payments using mobile wallet not only do you save on foreign transaction fees but you also get 4.5% effect cash back which is fantastic if you ask me considering how much we end up paying on vacations. Most European and many Asian countries accept Mobile wallet payments everywhere. In my last European vacation was able to use mobile wallet payments every single place.
@TheCreditFrog Жыл бұрын
That's great to hear that it's so flexible to use abroad! I'm not surprised given that it's a VISA card, and Europe established NFC payments way before the US did so I'm glad it's able to be used much more universally there!
@AnthonyVenture Жыл бұрын
I love the the new trifectas coming out now! This was a very interesting mix of cards, and that Altitude Reserve could be very powerful! I like that you mentioned it’s not really the greatest aspirational travel card, but almost works like a cash back card. Loved the video Stan!
@TheCreditFrog Жыл бұрын
Thanks Tony! Yes, it’s a great time to be in the credit card community! Everyone’s Trifecta is going to be personalized to their spending as it should be, but yeah, this one is hybrid, but is for sure more cash back focused!
@piere212 Жыл бұрын
The USBank Altitude Reserve is one of those cards where I seriously scrutinize it, and always comes out ahead. The big thing is this is *the* card to use at Costco, due to mobile wallet spend. If they throttled the mobile wallet spend (limit to $5-6k a year, suppose), it should be reevaluated as part of your portfolio.
@TheCreditFrog Жыл бұрын
Yeah, I hope they never throttle the spend because that would seriously hinder the card! I've always used the BofA CCR for Costco since I get 3.5% cash back ($2,500 cap/quarter), but with the USB AR, the uncapped 4.5X is so much better since you can redeem the points using RTR. An all around great card, but I wish it was more accessible since US Bank is tricky when it comes to credit card applications.
@iank6897 Жыл бұрын
This is actually a very interesting approach to solving this problem. Focusing on high cash back %s for individual categories means that you somehow have to cram all possible everyday purchase categories + travel into three cards. This approach avoids that problem by giving practically unlimited 4.5% on everything. The only issue I see is that the remaining $75 annual fee on the USB AR means you have to spend $1667 just to break even, before even earning cash back at all. The other major "issue" would be being reliant on mobile wallets = being reliant on your smartphone. That reason alone would be why I personally wouldn't use this setup-I'm trying to be less reliant on this device.
@TheCreditFrog Жыл бұрын
Yeah, I hear you! We're definitely becoming increasingly dependent on our smartphones, and that can be a good or a bad thing, depending on your point of view. It's true that there's a minimum spend to "break-even" as you pointed out, but for us credit card enthusiasts who bang out multiple SUBs in a year, $1,667 in one year is very easy to do. With this setup in particular, I think it's super important to have a solid catch-all category card, whether it be that PayPal MC or some other 2X/2% card, as you can carry that physical card around with you to ensure you're getting at least something back should the mobile wallet fail for whatever reason. Great insight Ian!
@SpencerJohnsonOfficial Жыл бұрын
I'm telling you man... every time I see that Altitude Reserve in a video it makes me want to get it. This is a really intriguing trifecta and I could see it being really powerful for folks!! Great video all around as always Stan!
@TheCreditFrog Жыл бұрын
Thanks Spencer! Yeah I’m really loving this Trifecta and there are a number of ways to build it based on your own personal spending habits. I think it’ll continue to become more flexible as time goes on so it’s definitely a setup to watch closely!
@JJ_Zodiac 11 ай бұрын
As long as you have a another credit card with US bank you can upgrade it to the AR after a year and still receive the bonus. It’s not very well know. I got mine a couple months ago even though imma at 7/24 and got the 50,000 bonus points and redeemed it for cash back using RTT. So basically two bonuses for one card❤️
@TheCreditFrog 11 ай бұрын
@@JJ_Zodiac Hmm, interesting! I didn't know that you can upgrade to the AR and still receive the SUB. That's definitely something that's not typical with product changes, but it sounds like that may be the go-to strategy if I'm initially denied for this card. Thanks for the tip!
@JJ_Zodiac 11 ай бұрын
Yeah its not known very well, probably why it hasn't been nerfed. Also forgot to mention the card needs to have atleast a $5K credit limit in addition the 1 year age. Hopefully you get approved. @@TheCreditFrog
@LukesPointsandMiles Жыл бұрын
I love the cash back set ups. I would use that one in particular because I don’t pay rent but I love seeing these set ups and I want to put one together for like 75% of my spend one day
@TheCreditFrog Жыл бұрын
That's great to hear Luke! I know you're Team Travel, but maybe even a hybrid setup would work for you one day so you can get the best of both worlds! And yeah, that's cool if you don't rent, but you can just replace the Bilt card with your favorite restaurant-earner card instead, and you'd still be in great shape with this setup!
@LukesPointsandMiles Жыл бұрын
@@TheCreditFrog good point!!!
@SledgeIncTeam Жыл бұрын
@@LukesPointsandMiles I dont pay rent either but I still got the Bilt Mastercard for some reason 😅
@LukesPointsandMiles Жыл бұрын
@@SledgeIncTeam because of the huge bonus!!!
@TheCreditFrog Жыл бұрын
@@LukesPointsandMiles 😂
@DerikAasansLevelUpTravel 10 ай бұрын
I have the US bank Altitude Reserve Card. It’s the best CC hands down!!
@TheCreditFrog 10 ай бұрын
For sure Derik! I've seen your previous videos about this card, how much you love it, and it really helped push me in the right direction to get it! Been using it as my primary for a while, and I couldn't be happier with the ease of earnings!
@diazmike427 Жыл бұрын
I have the PayPal business MC and it has the same rewards with no foreign transaction fees and I love it :)
@TheCreditFrog Жыл бұрын
Wow! That is an excellent find M D - I didn't even think of that one!! I personally would use this in place of the personal version, but I know some people are wary of business cards. Looks like it has No FTFs AND cell phone protection. Amazing!!
@josephgay-cj2fc 6 ай бұрын
@diazmike427 but the business card can't be used with paypal bill pay for that 3% cash back, correct? The paypal bill pay landing page says "Business PayPal Accounts are not eligible for this service." If I had two separate paypal accounts (one business and one personal), would I be able to link my business card to my personal paypal like any other credit card I add? So that I can use the business card for bill pay from my personal paypal?
@ChaseYokoyama Жыл бұрын
Very creative trifecta setup Stan! 👏🏼 If I want to use this strategy I gotta learn to use mobile wallet 😅 Don't know why I always pull out my wallet when I can just use apply pay
@TheCreditFrog Жыл бұрын
Thanks so much Chase! Haha, using the mobile wallet is super simple! It's just training your mind to use it instead. Try it out for a week, I'm confident that once you do that, you won't want to go back (and your pockets will be so much lighter 🤣)
@ChaseYokoyama Жыл бұрын
@@TheCreditFrog ya i wouldnt mind carrying less cards in my wallet 😆
@WealthOfOpportunity Жыл бұрын
Creative way to look at this trifecta! Always interesting to see how this goes and would love to see someone run this in real time.
@TheCreditFrog Жыл бұрын
Thanks Ninja! Who knows? Maybe I'll be running this type of setup in the future. We'll just have to wait and see..
@RemGb10 Жыл бұрын
Nice unique idea Stan 👍 Thanks for thinking outside the box. For me USB AR is a life saver Player 2 card as almost all locations my P2 has to make payment she can use Mobile wallet payments. Also USB always gives 5k points retention offer every year ( I just got one) making effective annual fees $0 assuming one uses points for real-time rewards. Combining USB AR with BoA Customized Cash covers all retail payments made in-person (using Mobile wallet) or online . Add BoA Premium travel card means you can get 2.62% on everything else categories. So that is also a great combination. The biggest issue is how hard it is to get USB AR as USB was a PITA to deal with when you are a new customer. I had to get a USB Cash Plus card with $500 credit limit and wait 6 months (gardening period) before being approved for USB AR. (this is wilth a 800 plus credit score).
@TheCreditFrog Жыл бұрын
Thanks man! Yeah, I'm really liking how the US Bank Altitude Reserve card really offers a great 1-card package to tackle the mobile wallet category at 4.5X. Nice to know they also give retention offers as well! Yeah, I think if I were to implement this setup, using the CCR cards to cover online shopping or gas would be great options, and the PR card would be an amazing catch-all card for the everything else category. I'm thinking about getting this card in the near future, but I know US Bank it particularly difficult with new customers as you mentioned. Did you establish a relationship with them before getting the USB Cash Plus card? Or did you go USB Cash Plus, wait 6 months, and then applied for the USB AR after that? $500 CL is trash lol!
@RemGb10 Жыл бұрын
@@TheCreditFrog I used the USB Cash+ (which is great for 5% on utility payments) to establish relationship (Was fuming internally at the insult of $500 credit limit with my 20+ year credit history and 800+ score) and then waited 6 months before applying for USB AR (was gardening the entire period as they are very enquiry sensitive). Was denied initially and later got it through Recon. Felt like reaching the holy grail as it was a life saver with simplifying things for P2 and 4.5% cashback on most in-person purchases. I think officially they may have removed the pre-existing relationship critiera for USB AR recently. Good Luck. If you do get the Altitude Reserve it IMHO is the best rewarding card you can get due to how prevalent mobile wallet payment is.
@DugrozReports Жыл бұрын
I also have got the 5000 point retention offer each year after the first. Love it for car rentals!!! 🎉
@TheCreditFrog Жыл бұрын
@@DugrozReports That’s awesome Dugroz! It’s like the gift that keeps on giving!
@SledgeIncTeam Жыл бұрын
Let's Go Stan! Great Set Up... Two of the Same Cards That I have in The God Tier Superfecta: Bilt Mastercard, Curve Mastercard, Amex Business Gold and The PayPal MasterCard
@TheCreditFrog Жыл бұрын
Thanks Sledge! Awesome!! I knew that the Paypal MC was going to be featured, and for good reason - what a gem of a card (if you're cool with Synchrony Bank). I know you like a lot of the CUs as well so I'm sure there are other lesser-known cards that you know of that can fit this framework as well!
@SledgeIncTeam Жыл бұрын
@@TheCreditFrog It's a great card and you can rack up cashback quickly with it. As I always say, you cant buy food, souveniers or pay for excursions with points and miles so It's best to mix in some cashback! Actually I have 3 Synchrony Bank Cards. PayPal, Walgreens and Sam's Club You know I luv My Credit Unions. I just finished the Script for my 31st Active Card and its from a CU
@CesarJoel Жыл бұрын
Interesting setup Stan! US Bank has great cash back cards and the PayPal card is underrated. I’m a huge fan of the Bilt card and I don’t pay rent. Great video and information Stan! ✌️
@TheCreditFrog Жыл бұрын
Thank you César! Yeah, that Paypal MC is such an underrated card and should get more exposure. I really like US Bank cards, but heard that they're a hard bank to get approved for so I'm strategizing to see what my next move should be if I wanted to start getting their cards. Always appreciate your support bro!
@albertchi9666 2 ай бұрын
Hello Stan, thanks for the knowledge. Just wondering which card would you use for phone bills and other utilities such as medical bills in this set up?
@TheCreditFrog 2 ай бұрын
Sure! So for phone bills and utilities, the US Bank Cash+ will get you the best return at 5% for your phone bills and utilities. The Chase Ink Cash is also a nice option. For this particular setup, it would fall under the catch all card so if you could use Paypal as a payment option, that would be helpful, but if not you'd have to choose another 2% card since the Paypal MC was recently nerfed and now (or will soon) only get you 1.5% cash back on everything else. As for your medical bills, it would also be on a catch-all card, unless of course, you're able to pay this using Apple Pay, in which case I'd use the USBAR for mobile wallet 3X.
@ilvbunnies Жыл бұрын
My trifecta is the US Bank Altitude Reserve for 4.5% on mobile wallet, Bank of America Premium Rewards Elite for 4.4% Dining/Travel and 3.3% catch-all, and Bank of America Customized Cash Rewards for 5.25% Online Shopping. $140 effective annual fee, but I spend >$10K on the Altitude Reserve and >$20K on the Premium Rewards Elite, so I more than cover the annual fees.
@TheCreditFrog Жыл бұрын
That’s a great setup! Very similar to my own currently, but I think I’m going to go in your direction with the Altitude Reserve. Combining both the BofA cards with PH tier and USB AR cards are a monster combo!
@LK_EBM Жыл бұрын
Loving the extra infographics and animation! Your video editing has improved!
@TheCreditFrog Жыл бұрын
Thanks LK! I'm happy to hear that you appreciate those little graphics haha! I'm going to try to put in more of those in the future and keep honing my video editing skills! 👍
@andreabelt10 Ай бұрын
I feel like everyone forgets to mention The Kroger card gives you 5% on up to $3,000 on all mobile wallets + another $3000 on all Kroger-pay purchases so that’s $6000 total! 3000 for groceries and the other 3000 for everything else! In my opinion that’s better than any other card at 0 fee!!
@TheCreditFrog Ай бұрын
Yup! The Kroger Mastercard is a great no annual fee card - especially for that mobile wallet category! The spending cap is pretty low though, which is the main downside. You can get more than 1 version of this card, which can help give you more room to spend if necessary too, but yes, definitely a great card to consider for that very flexible mobile wallet category!
@gsctrading7215 Жыл бұрын
Nice thinking out of the box! Great set-up, seems like the anchor of this trifecta being the AR with an effective 4.5x for mobile wallet purchases is excellent. I guess the main drawback here is US Bank's reputation for (a) being too stringent and denying applicants even with good scores, (b) giving low limits, and (c) doing hard pulls on credit limit increase requests. That makes for a tough comparison with the much more reasonable Chase, Amex, BOA, etc...
@TheCreditFrog Жыл бұрын
Thanks! Yeah, I totally agree with you. US Bank is notorious for being very picky when it comes to applicants, especially those of us with a lot of cards already, and certainly for those of us with a lot of recent inquiries and new accounts. On paper, it sounds like a great setup, but in practice, it all comes down to getting approved for that Altitude Reserve card!!
@MattWelterOfficial Жыл бұрын
Love the coverage for a very underrated yet powerful setup especially for Mobile Wallets! 5% back on Mobile Wallet purchases with that No Fee Kroger Card is awesome (at least for the first 3k in spend). Great video as always Stan!
@TheCreditFrog Жыл бұрын
Thanks Matt! Yeah, I've been using mobile wallets a lot more frequently so I've been looking to add a card to cover that category. And yes, that Kroger card is a pretty rare find, although I wish the cap was a little bit higher to make it a card that could be realistically used for a main category!
@davidzheng369 11 ай бұрын
How about the physical card Signature cash back+? You get to choose the 5% in 2 categories which I’m planning on restaurants and Gas Stations. 2% in one category. All chosen in each quarterly by the cardholder. 😊
@TheCreditFrog 11 ай бұрын
Yeah, David. The US Bank Cash+ card is a great option! But I think the 5% categories are somewhat less common. You can choose one 2% category out of gas, restaurants, or groceries. But there are other cards that can get you 5% back in those categories too! You’d just have to split the spend across different cards.
@michaelkeaton32 Жыл бұрын
I always enjoy seeing different setup options. It's easy to say AmEx or Chase trifecta or bust, but there are so many different combinations that could work for people out there. I recently did a comprehensive analysis of my household's spending, and I'm going to try to find the best setup. I have a lot of cards, but I have to admit that I signed up for them due to FOMO and feeling that that's what I should do.
@TheCreditFrog Жыл бұрын
That's great! Yeah, everyone knows the Amex and Chase Trifecta, but like you said, everyone's setup (or trifecta) is going to be different based on their household's spending patterns. I think it's really smart to keep re-evaluating your expenses and figure out how you can tweak your current credit card setup so that it can be optimized for your individual situation. Having a lot of cards is ok, but if they have annual fees, that's when it's important to make a keep or cancel decision. Expense tracking is the first step towards an amazing credit card setup!!
@jimmyjames6492 Жыл бұрын
Very interesting setup! The BILT CC is definitely a game changer for a lot of people. Thanks for the info + video!
@TheCreditFrog Жыл бұрын
Of course, Jimmy James! Yes, that Bilt Card is a great card to have in the arsenal!
@titiung Жыл бұрын
Can I use the reserve card together with Connect card and combine points pool? because the connect card has 4x gas
@TheCreditFrog Жыл бұрын
Unfortunately, no you can't. I've read that points are not transferable between cards. Of course, I don't have any US Bank cards so I can't verify this personally, but I'm pretty sure that that points cannot be transferred.
@KingGreen78 Жыл бұрын
@TheCreditFrog they cant i have the reserve and the go, don't know about the connect and the go though
@TheCreditFrog Жыл бұрын
@@KingGreen78 Awesome, thanks for that DP!
@albertchi9666 2 ай бұрын
Stan, I’m a bit confused. The 4.5x realtime reward only works for travel right? So for dinning and everything else Is still 3x even with realtime reward.
@TheCreditFrog 2 ай бұрын
Not if dining and everything else is on a mobile wallet. Then it’s 3X too!
@Isaac-bc3nr Жыл бұрын
I just love saying the word trifecta 😂
@TheCreditFrog Жыл бұрын
Haha me too! It's got a nice ring to it 🔔
@boombstc1 9 ай бұрын
@stan if you had to do a core setup that including only cards that use transferable points, what would you choose. Prerequisites would be lounge access, primary cdw, global entry, elevated multipliers in as many categories as possible with as few cards as possible, a catchall and a low price.
@TheCreditFrog 9 ай бұрын
Ooh, what a fun question! I would go with these 3: C1VX, C1 Savor One, and WF Autograph. You get lounge access, primary auto CDW, TSA Pre/GE, and catch-all card all on the Venture X. You get dining, grocery, entertainment, and streaming on the C1S1 at 3X. You get travel, transit, gas, and cell phone at 3X on the Autograph, including cell phone protection. WF Autograph is getting transfer partners, but obviously unknown at this point. But this would be my setup with the prereqs you said with total AF of $395 on the C1VX (+$5 EAF if you want to play that game)!
@boombstc1 9 ай бұрын
@@TheCreditFrog Very good picks I came up with the same 3 cards for my preferred setup. You can get down to $200 if you are willing to use the C1V & the CSP although the effective annual fee goes up $150. (Very limited lounge access ,but still meets the prerequisites) sounds like a nice video topic. Hint hint.
@boombstc1 9 ай бұрын
You can switch the CSP for Built and get down to $100 but you lose baggage insurance.
@rogerarana9284 Жыл бұрын
Great video I have the AR us bank I’m planing to get Altitude Go Great video !!
@TheCreditFrog Жыл бұрын
Thanks Roger! That's awesome that you have the USB AR already! The USB Altitude Go is going to be a solid pickup as well!
@SpencerChewitt Жыл бұрын
This setup is indeed BILT different! Great video Stan!
@TheCreditFrog Жыл бұрын
Hahaha Spencer!! Very punny. I approve 🤣
@DJOctober Жыл бұрын
There are definitely alot of options out there, what a nice breakdown! Probably not a card I would add personally, but I had no idea the Kroger card even existed! Have a great one, Stan! - Ivan
@TheCreditFrog Жыл бұрын
Thanks Ivan! Yeah, it's a setup that's more hybrid and focused on mobile wallets, but if you notice that you're spending more in that category, there are a few cards to choose from to maximize that category. Have a great day as well!
@DJOctober Жыл бұрын
@@TheCreditFrog Stan, I almost forgot! I don't know if you recall, but I applied for a BBP a couple weeks back and was declined. Well, I got that targeted 100k offer for $10k spend in 6 months and I got approved! I used the steps in that Watch Me Apply video for that card as a guide! I got the card number digitally and added the card to Apple Pay right away. I’m hard at work at to bonus already and I’m STOKED to get the card tomorrow! That decline really was a blessing in disguise! Thanks to you, Spencer Johnson, CJ, and Ask Sebby (to just name a few off the top of my head) for putting content out like this that allowed me to get a card I would otherwise thought I would have to run a giant business to ever get. 🙏🔥 - Ivan
@TheCreditFrog Жыл бұрын
@@DJOctober Wow, that is so cool Ivan! Congratulations on the new card 🎉, and welcome to the wonderful world of business credit cards! That's also a solid sign-up bonus - is that for the Amex Business Gold card? I'm so happy that we could help you get your first business credit cards and that our content helped guide you through the process! That's so exciting and it's nice that your SUB is 6 months so you can take your time with it if you need to. Congrats again! This update has made my day ☺
@DJOctober Жыл бұрын
@@TheCreditFrog it is the Business Gold Card! I am ecstatic about unboxing it tomorrow! Thanks for sharing the excitement with me. Glad I could bring joy to your day like you did mine!
@KingGreen78 Жыл бұрын
Right now i got the discover 5% mobil wallet, citi cc 5% dining and the chase ff at 5% gas and groceries, chaching My backup is attitude reserve 3% mobil and the altitude go 4 % dining
@TheCreditFrog Жыл бұрын
That is a solid setup for this quarter King Green! I'm assuming you got the 5% grocery 12 month SUB to cover that category, but looks like all those rotating category cards lined up nicely for you! If you're using the USB AR and AG as a "backup," I would definitely say you are in an awesome place!
@KingGreen78 Жыл бұрын
@@TheCreditFrog yup 12 months groceries on the chase freedom flex
@MasonsTurtle Жыл бұрын
Seems like an ultimate setup for those who like Cash back
@TheCreditFrog Жыл бұрын
Very true Mason! The Bilt is the only card with transferable points, but the other ones are definitely more geared towards cash back!
@terrelmoss1444 Жыл бұрын
Video Suggestions Best Credit Union Cards Best Cards for Home Improvement Best No Annual Fee FX cards Best Cards for Rideshare Best Cards for Online Shopping
@TheCreditFrog Жыл бұрын
Noted, thanks for the suggestions Terrel!
@MyWastedFantasy Жыл бұрын
@@TheCreditFroga video I would enjoy seeing is a comparison battle between different cards and their insurances / protections. And one that is overall the best all around a video that really goes into the details . Such as the venture X and the CSP/CSR They both have primary rental car insurance. But the venture X only covers up to 14 days in the sates . And the CSP / CSR cover up to 30 days I have both cards, but still choose the CSP for safety because I often rent a car out over 14 days. I know very few people look into these type of stuff because they assume it’s all the same but it’s nice to know. The difference between the cards since they all kinda sounds the same but not really ,
@TheCreditFrog Жыл бұрын
@@MyWastedFantasy That' a great idea Fanta! I'd have to do a deep dive into the T&Cs for this, but for those select group of people, that would be very helpful information. Things like specific travel protections, auto CDW, and cell phone protection are great topics to look into in the future!
@omnisplash3041 5 ай бұрын
Great Video Stan!
@TheCreditFrog 5 ай бұрын
Thank you!
@chrisv4920 Жыл бұрын
Excellent content Stan! 👍
@TheCreditFrog Жыл бұрын
Thanks Chris! 💯
@dhruvsriv789 Жыл бұрын
Stan, I have a US Bank Trifecta. Altitude Reserve for Travel/Catch-all. Altitude Go for Restaurants. Shopper's Cash Rewards for Groceries.
@terrelmoss1444 Жыл бұрын
What was your datapoints to get US Bank credit Cards and did you have an account with them?
@dhruvsriv789 Жыл бұрын
@terrelmoss1444 had a car loan with them and got an offer for Altitude Go. Liked the service (not same for everone), so stuck with them.
@TheCreditFrog Жыл бұрын
Wow Dhruv! You have the true US Bank Trifecta, haha! Way to go! How do you like the USB AR card? I have no experience with them (yet) so I'm curious if you like the RTR feature and if it's as easy to use as they say. I wish that the other cards could transfer their points to the AR, then your setup would probably be a contender the classic Chase and Amex Trifecta!
@dhruvsriv789 Жыл бұрын
@TheCreditFrog I definitely love it, and I'm glad to have chosen this over VentureX. The biggest positive is getting 4.5× multiplier on digital wallet payments (3× rewards with digital wallet and 1 reward being 1.5c worth). RTR is great except for booking hotels where you need to have a minimum spend. But otherwise, there are no issues at all. It's not good for travel perks, though, and low starting credit limit. 5k in my case.
@wanderingdoc5075 Жыл бұрын
As I'm watching this, just used my Altitude Reserve card to make a mobile wallet purchase at a grocery store in Medellin Colombia, bought some jugo de mandarina 😂
@TheCreditFrog Жыл бұрын
WanderingDoc! That's awesome - this card is great for purchases abroad! Out of curiosity, when you got this card, did you have a lot of hard inquiries / new accounts? I'm curious if US Bank gave you any trouble when you applied for this card.
@wanderingdoc5075 Жыл бұрын
@@TheCreditFrogI was 10 new accounts/12 months when I was approved for the altitude reserve and triple cash on the same day.
@wanderingdoc5075 Жыл бұрын
@@TheCreditFrognah instant approval with a 15k limit on each
@rosgyallay9529 Жыл бұрын
For the US Bank AR, are you able to get the 3x and 50% more 4.5% when covering Expedia charges? Does that count as travel?
@TheCreditFrog Жыл бұрын
Although I’m not sure if Expedia is covered under the 3X multiplier, Expedia does accept Apple Pay, which would count in the 3X mobile wallet category!
@kazi1 Жыл бұрын
great video
@TheCreditFrog Жыл бұрын
thank you!
@Miles4Apizza 7 ай бұрын
Hey Stan - did you ever end up getting the PayPal Mastercard? I just got the USBAR and considering the PayPal card as a two card set up.
@TheCreditFrog 7 ай бұрын
Hey Ryan! Nope, I still don't have that card. Right now, I'm using the BofA PR Elite card as my catch-all for everything else and BofA CCR for online shopping, but I still recommend the Paypal Mastercard because it's a great catch-all card, with a bonus for online shopping using Paypal!
@jacobspurgeon2110 Жыл бұрын
Honest question, how would real time rewards be 4.5% when your not getting the base 3% because your making your purchase with points? I get that your technically redeeming the purchase you got the points for at 4.5% but then you miss out on 3% when you redeem it for another purchase. Wouldn’t you gain 1.5% by redeeming it for cash back of redeeming for a purchase?
@TheCreditFrog Жыл бұрын
I can see your thought process with that. I value the redemption at 4.5X because you're redeeming your original 3X points at a value of 1.5X. Yes, you don't receive 3X points on that purchase, but you're getting 4.5X value back from the redemption specifically. IMO, the 3X points that you would have received from the purchase doesn't count because once you redeem your points for that purchase, it technically ceases to exist and only the redemption value needs to be calculated.
@johnwick860 9 ай бұрын
is the dining on the Bilt limited to US restaurants or worldwide?
@TheCreditFrog 9 ай бұрын
From what I understand, it’s worldwide dining.
@OfficialChadsMoneyMinutes Жыл бұрын
Great job Stan I've always been a fan of alternative setups to get the job done!
@TheCreditFrog Жыл бұрын
Thanks Chad! Yeah, there are definitely so many different cards out there that there are endless possibilities to make an amazing Trifecta setup!
@Rob-ew4bl Жыл бұрын
Yeah but I’ve heard the AR doesn’t have travel partners to transfer to. So you’re limited to their travel portal.
@TheCreditFrog Жыл бұрын
That's true! That's why I consider this card to be mainly a cash back credit card since there are no transfer partners.
@ilvbunnies Жыл бұрын
No you're not. You can book direct with US Bank's Real-Time Rewards system and redeem your points at 1.5cpp.
@callmeNeno Жыл бұрын
Love Discover it Q3 getting 5% on digital wallets is no brainer
@TheCreditFrog Жыл бұрын
For sure, Neno! Digital wallets are a great category. It’s the new category to watch out for!
@jpknowledge8852 Жыл бұрын
Good setup! 🤑
@TheCreditFrog Жыл бұрын
Thanks JP!
@eduardocaudillo6025 Жыл бұрын
WOO STAN! Finally an Altitude Reserve video 😂😂
@TheCreditFrog Жыл бұрын
That's right Eduardo! Time for US Bank to get some love! I may apply for the AR card in the future - depending on if I get approved or not will determine how favorably I talk about them, haha! But for now expect them to be featured more on this channel!
@isao_the_2nd Жыл бұрын
@@TheCreditFrog3:01 kudos to US Bank for offering the 3X back on electronic wallets. But here's the thing, I haven't seen any improvements from BJ's, Sam's Club, and Walmart. All 3 of these stores are still lacking the nfc technology. 5:15 And another thing, I'm starting to worry about the latest Goldman Sachs headlines
@mrsupasikwitit Жыл бұрын
USBAR for 4.5% mobile wallet and travel, i can pay rent with mobile wallet for a 2.2% fee netting 2.3% which beats BILT card. Custom cash for dining 5% up to 500/month, key is to only use when mobile wallet isn’t available, if it is use USBAR for dining and lose .5% X1 card on old rewards structure gives 3% flat back but can only redeem on X1 partners which is a closed system. PayPal and BILT both don’t have sign up bonuses so those are a no for me
@TheCreditFrog Жыл бұрын
That's a great setup! Yeah, it looks like you're following a similar strategy to this video which is mobile-wallet-centric. That's great that you can get a positive return on your rent payments with the AR, and you bring up a very good point about sign-up bonuses! It's definitely a tough call to choose a no SUB card, especially if it's going to take up a Chase 5/24 slot so it's definitely a case-by-case situation. I respect that.
@MyWastedFantasy Жыл бұрын
The PayPal master card .. interesting 🤔 it’s the first time I’ve heard someone mention it
@TheCreditFrog Жыл бұрын
It's a very underrated card. It's a great catch all card and gets the bonus 3% for Paypal, which is basically all of online shopping! Definitely look into it Fanta!
@SledgeIncTeam Жыл бұрын
The PayPal Mastercard stays in my wallet. It's one of my Favorite cards
@SledgeIncTeam Жыл бұрын
@@TheCreditFrog I've also used it via the QR code at the register at Foot Locker and Macy's.
@titiung Жыл бұрын
If I dont have guest, Can I use all 8 passes for myself?
@TheCreditFrog Жыл бұрын
No, I'm pretty sure it's 4 for you and 4 for guests.
@navyvet05 Ай бұрын
I believe the paypal mastercards 2% all other purchases is going to be reduced to 1.5% after july 31, 2024.
@TheCreditFrog Ай бұрын
It’s true. Definitely unfortunate so another 2% card is going to have to be put there instead.
@meds-7923 Жыл бұрын
I have to wait 2 years for my inquiries to fall off before I can apply for the USB AR. Sucks cause I’d love that card! At the moment I got myself the Bus Gold for 10k spend in 6 months but I also have to spend for my Personal Gold retention. I should be fine for a while. 13 Cards Strong from starting at 1 Card 15 months ago
@TheCreditFrog Жыл бұрын
That's great Meds! Yeah, USB is extremely new account and inquiry sensitive so best to wait it out before applying to get this card. Sounds like you've been quite the busy bee building up your credit card portfolio! I also have that business Gold 10k/6mo SUB and its been pretty nice taking my time with it. It's a great way to garden as I'm sure you know! Congrats on the personal Gold retention offer! I haven't had any success this year on those myself.
@soapa4279 Ай бұрын
RIP Paypal MC
@TheCreditFrog Ай бұрын
Yeah 🪦
@randallraines6553 Жыл бұрын
Stan Da Man!
@TheCreditFrog Жыл бұрын
Whats up buddy!
@randallraines6553 Жыл бұрын
@@TheCreditFrog question: I applied for the Amex green last year and got a pop message saying I wasn't eligible for the bonus. I was recently offered the amex BCP and was approved with the bonus offer. With that said, if I apply for the green again do you think ill be eligible for the bonus now? In other words, do you think I'm out of amex pop up jail? Thanks Stan.
@TheCreditFrog Жыл бұрын
@@randallraines6553 Your guess is as good as mine! I think that you should wait a month or two and then try to apply again! It’s fine to keep trying, but I would try only once per month.
@ItsMeCJ Жыл бұрын
First
@TheCreditFrog Жыл бұрын
Congrats CJ! You are indeed First. I think that makes 3 in a row so 🦃🦃🦃!
@Imma-Super-Vegeta Жыл бұрын
I like using my Citi CC for the 5% at $500 of most spend categories a month, my PayPal MC, and as of right now DiscoverIt for 5% back on digital wallets and has until September but I plan on getting the Apple Card in Oct. as my third card for the trifecta of mine. Why I never got the Apple Card? Because I even as an Apple user always thought my Amex BCE and BCP thought it gave me better cash back on apple purchases? But Apple Card seems to be a great card to also use for Apple Pay like DiscoverIt as of this quarter.
@TheCreditFrog Жыл бұрын
Great setup Dark! Yeah, it's great that the Discover It card covers the mobile wallet category this quarter, but the Apple card would also be a great one to use for mobile wallets, especially if you're preferred mobile wallet is Apple Pay!
@Imma-Super-Vegeta Жыл бұрын
@@TheCreditFrog I forgot to mention that I also use sometimes my SavorOne card. It offers 3% back on groceries and 5% on Hotels and 8% on certain Entertainment categories! It’s a great cash back card and will _SOMETIMES_ replace my Discover It when I don’t use Apple Pay as of right now. :))
@Imma-Super-Vegeta Жыл бұрын
@@TheCreditFrog also yes I love Apple Pay.. it’s sad that it’s not accepted at places like Walmart.. I shop their quite a lot..
@TheCreditFrog Жыл бұрын
@@Imma-Super-Vegeta Yeah Walmart is trying to use their WalmartPay system but it just makes everything inconvenient
@Imma-Super-Vegeta Жыл бұрын
@@TheCreditFrogdo you have the SavorOne and what’s your view on it Stan?
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