The BEST Credit Cards You NEED At Every Credit Score (2022)

Рет қаралды 65,158

Күн бұрын

These are the best credit cards you need for each credit score in 2022!
⮕ 🚀 Get your 5 free stocks (when you deposit $0.01): a.webull.com/i/KarsonGaule
No Score or Bad Credit Score - Discover It Secured Card
Apply here: refer.discover.com/s/KARSON14
Fair Score - Petal 2 Visa Card
Good Score - Chase Freedom Unlimited, Chase Sapphire Preferred, Amazon Prime Rewards Visa Card
Excellent Score - Chase Sapphire Reserve, American Express Platinum Card
Elite Card - American Express Centurion Card (Amex Black Card)
These are the best credit cards in 2022, for every credit score. On this list, we have some credit cards that are great for beginners. The Discover It Secured card is good for bad credit, or those with no credit score, such as college students. I also talk about other top credit cards in 2022 for people with good credit scores. These are great cash back cards and offer great perks and benefits.
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For business inquiries, you can reach me at karsongbusiness@gmail.com
Instagram: / karsongaule
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DISCLAIMER: Everything in this video is of my own opinion and could be wrong. I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments.

Пікірлер: 130

@Adiscretefirm 2 жыл бұрын

If you are a Sam's Club member, get their Mastercard, no annual fee, 5% back on gas anywhere, 3% restaurant, 3-5% back on club buys. No rotating quarters

@Loganvbills 2 жыл бұрын

The annual fee is being a club member.

@Adiscretefirm 2 жыл бұрын

@@Loganvbills I wouldn't recommend joining just to get the card, the membership is to be a member, I am already paying that, and the card will still work if your membership lapses, don't know if it will renew though

@RobustArid379 Жыл бұрын

Thanks fir top, i have one. Samclub card

@Dachamp2001 11 ай бұрын

I think my wife has the walmart credit card

@curtisdavis8594 Жыл бұрын

Great video on score ranges on Bad, Good, Very Good, and Excellent when applying at X bank card.. Some secure cards could be Wells Fargo, Bank of America, or Capital One.. I have seen issues with Discover secure... Overall, the video covered the benefits , pros, cons, and much more. Thank You!

@elmarespino6906 5 ай бұрын

Great video! Thank you for sharing your experience and knowledge.

@manojreddy123 2 жыл бұрын

It’s easier to get Amex Platinum than their credit cards. Lenient underwriting. Just cause it’s a charge card (now hybrid) and traditionally you’d have to pay the balance in full. People with paid charge offs/lates from not too long ago with mid 600s got platinum cards. Just cause of all the hype the platinum gets, it feels like you need an excellent credit but approvals may surprise a lot of people. haha.. Good video btw! 😃👍🏼

@Homeoffersunited Жыл бұрын

For Amex platinum? Even with a thin credit history?

@LinhTran-wi8rz Жыл бұрын

Discover it card is great so far. In 3 months i went from 490 to 624. I dep $200 and even though sometimes I spent about half of what the card allows, I pay it and leave a balance around $30-40 staying in 30-47% paying when statement is ready and it still raised my score even though I know staying under 30% is best.

@jorgemexicanlastname7062 Жыл бұрын

Good video, thank you

@ab3314 Жыл бұрын

I have a credit score of 838 and as any normal person who’s achieved that score will tell you - never pay to have a credit card. I use my Costco Citi card on every purchase and bill I can - I’ve paid $0 in interest and $0 in annual fees. I get a massive refund check (cash) every year. Don’t make it more complicated than it needs to be - never pay an annual fee.

@alvaradoalberto7 11 ай бұрын

That depends on the type of person and what that person needs. I have a score in the same vicinity as you and I have my Venture X with a $395 annual fee and has way more benefits than a no annual fee card will ever have. Your style is different and it’s just that, different… and different does not mean better.

@SamSung-jv3jm 2 жыл бұрын

One of my credit cards is the Amex Optima card. Its their "second chance" credit card for previously Amex defaulted cardholders. I see very limited videos on this card. It isnt a rewards card and it has a $59 annual fee. But Im so glad to be welcomed back into the Amex family after 7 years of tarnished status. After 12 months, I am able to apply for their regular cards again. My credit score is now at 720, so hoping to get the Amex Blue Cash Everyday card when my 12 months on the Optima is finished. To the Young Ones out there , please be careful with your credit as it can set your financial life back many years.

@user-by6io6qu4b 2 жыл бұрын

if you need help about credit lines and financial help john will do a very marvelous job for you and you will be happy....he really helped me he is reliable 100% guarantee...look up it his details at the top!,,.

@plus790 2 жыл бұрын

Venture X is better than the Reserve and Platinum. The annual Venture X benefits are easy to use lump sum credits which are actually good (unlike monthly retailer credits) so the year 2+ renewals are essentially free. Use the various CFU/Flex and narrow or "rotating category" cards where appropriate, but the VX has free lounge access, its own good categories, and you still get 2% on EVERYTHING else when no isolated category matches with one of your specialty cards. For example, I can use my VX at "warehouse clubs" and their cheaper gas stations. On top of that, I applied when they still had the 100,000 point ($1000) bonus.

@alvaradoalberto7 11 ай бұрын

Yup, I got it over the Amex Platinum and it’s wayyy better plus the effective annual fee is +$5 which is crazy

@seanrobin6573 Жыл бұрын

“Absolutely Magnificent Insight, Quite Informative….

@lll8638 Жыл бұрын

The background and thumbnails makes me think of Andre Jikh. However you spell it

@kevinmoore9524 2 жыл бұрын

Thank You For This.

@KarsonGaule 2 жыл бұрын

You’re welcome :)

@fredswartley9778 Жыл бұрын

Do you think the Chase freedom unlimited is better than the freedom flex?

@Bxr400 2 жыл бұрын

Nice, fun video, nicely done!!!

@KarsonGaule 2 жыл бұрын

Thanks Barry!

@user-by6io6qu4b 2 жыл бұрын

if you need help about credit lines and financial help and bank hack john will do a very marvelous job for you and you will be happy....he really helped me he is reliable 100% guarantee...look up it his details at the top-[[,,,

@hafezjayed2365 2 жыл бұрын

Discover was my first credit card

@nicolecook1245 2 жыл бұрын

You missed the best one yet! Amex Gold!

@joekim3757 Жыл бұрын

no shot you don't mention amex gold. one of the best daily driver cards

@VeryJerry 2 жыл бұрын

Hey! I got chase freedom Imma tell you this from my experience Last month I pay in full a day before due date Then used the credit card after the due date to a 1% utilization rate And I let it sit there til my closing date pass I paid it in Full the following day and that got reported score when up 19 points The reported balance I had left was shown in my credit karma account then it just Went back to 0 I’m guessing that way of me doing it ain’t bad Really want to get the hang of it so my score keeps boosting up

@user-by6io6qu4b 2 жыл бұрын

i have been trying to fix my credit till i was recommended to john and he boost my score .. check him out he will do the same thing to you that you can never imagine_ look up is details\\\

@Bxr400 2 жыл бұрын

That’s my method also, I want the freedom unlimited or the flex. But I’m hesitant to apply because I don’t bank with chase.

@redwolf481 Жыл бұрын

I don't understand what your saying here. I have chase freedom unlimited and i boosted my score from 500-730 in 6 months. I don't know how I did that. So I'd love to understand better what your saying

@dellrugby Жыл бұрын

Liked and subbed

@jeffghant4760 9 ай бұрын

10:45 Did you say "bowling"?😅😅

@1Brandon2Good Жыл бұрын

Are you talking about Fico scores because I’m at a 675 and they say that’s good.?

@princessmeganelsa1901 2 жыл бұрын

Got granted for new platlium rewards card! 💗💗💗😃 i always pay off early each....month in Full even due July 25th!

@babymae2222 2 жыл бұрын

Those jelly fish are having a blast back there lol

@Homeoffersunited Жыл бұрын

Someone help please. I have thin credit history. 733 FICO 8 score and one credit card. I’m trying to either get one card with 10k or 3 cards with 5k. What should I apply for. Any advice?

@Boxofdonuts 5 ай бұрын

I got a debit card and use it always bc I have enough money to buy everything. My credit score is 850.

@BasilahAl 2 жыл бұрын

I applied for discover and didn’t get approved

@HectorDeJesus Жыл бұрын

It's crazy that I was actually DENIED for the Discover Secured card... even with a 736 score. I ended up getting a Quicksilver Secured card and putting down a 3K security deposit.

@Noname-jq8ec Жыл бұрын

Why would you apply for a secured card in the first place?? With a credit score like that you can easily apply for the Discover card which has a 5% cash back, and as for the Discover it secured credit card it only gives you a 1.2% cash back.

@HectorDeJesus Жыл бұрын

@@Noname-jq8ec I had a medical bankruptcy in 2018 and I’m still in the process of rebuilding my credit. Amazingly the reason given was “recent late payments” even though the more recent late payment is from 2018 when I filed bankruptcy.

@Noname-jq8ec Жыл бұрын

@@HectorDeJesus I'm sorry to hear that brother, if you need a referral link I can help you out with that.

@HectorDeJesus Жыл бұрын

@@Noname-jq8ec Thanks Fam. I'm good now.

@Noname-jq8ec Жыл бұрын

@@HectorDeJesus no worries, take care

@praying4moment461 Жыл бұрын

Let's the people know about getting a business credit card that's the wave 4real why use your credit when you can use a business you own and operate ein number is the way to takes time and effort but definitely worth it more in my opinion

@brayson9174 Жыл бұрын

if you havent owned a business for 2 years, you have to take a personal guarantee anyways when applying for business credit

@umsoserious Жыл бұрын

This is obviously a veiled advertisement for Pedal😂. Who the hell would apply for the Pedal credit card with a fair credit score! Nice try lady.

@kiernanoh Жыл бұрын

Ok but can it get you into dorsia on a Friday night?

@redwolf481 Жыл бұрын

I reamly love your taste. You and dayana plays both side with the chase freedom unlimited vs thd flex which i agree with. While choosing cards come down to yoye lifestyle, i think the ublimited is superior to the flex and dont get why so many youtubers love the flex. Flex's rotating categories arent always great and the ones that are like amazon you can just get other cards for. Unlimited is one of the best catch all cards you can posdibly get. Funny enough i didnt get my first credit card till a year ago. An amazon prime rewards. I actyzlly had a credit score in the 500s(no credit) i was applying for the amazon secured and accidently applied for the amazon prime rewards and got it. I was stunned. I think its because ive been spending a lot on amazon for years. They gave me a 1k limit. In 2 months i had a credit score in the mid 600s applied for both the chase freedom unlimited and amex blue cash preferred and was approved for 1k limits. Within 3-4months i had a credit score in the 700s. Its been8-9 months now since my first card and my credit score jusr hit good(the mid 700s) and i have a 2k limit on all cards. Not much, but still.amazing cobsidering all 3 cards shouldnt of been able to qualify for till now much less at 500

@devpatel2842 Жыл бұрын

Do you watch Andrei jikh?

@yosefatmadja5362 Жыл бұрын

Yes

@joeshmo2677 2 ай бұрын

I don’t think you are getting any chase sapphire with a 720

@kevjak357 2 жыл бұрын

You left off Amex Gold

@liljo911xxx Жыл бұрын

My credit is so bad even a secure card denied me...sheesh..

@mr.alaska5824 Жыл бұрын

You look like a BEAUTIFUL version of Brook Shields! Just sayin.

@Imma-Super-Vegeta Жыл бұрын

I’m being offered the Costco Anywhere Visa card on Credit Karma.. I dunno if I should take it because I don’t shop at Costco but it has 2-3% cash back for gas, 2% cash back on restaurants and 1% on everything else.. which that part is tempting but I’m not sure if I should waste the hard inquiry..

@lifemakesmelaf Жыл бұрын

Fidelity Investments has a credit card that's 2% back on everything without an annual fee. If you want the cash back and don't shop at Costco, that could be a good option. If you do travel at least once a year or so, though, I think the travel credit cards go a lot further. At least when using Chase Sapphire travel portal, those points are worth 1.5x more. So you might end up getting a free flight every time you fly even if it isn't super often.

@PierceJordan 2 жыл бұрын

Credit cards are awesome if used correctly. Great video Karson--I enjoyed it!

@KarsonGaule 2 жыл бұрын

Thank you Pierce!

@sydney2462 2 жыл бұрын

I was torn between Cap Venture X and Chase Sapphire Reserve, I went with Chase because Capital One pulls hard inquiries from all 3 of the Bureaus, Chase only one.

@KarsonGaule 2 жыл бұрын

Good to know!

@SledgeIncTeam 2 жыл бұрын

Good choice.

@bandokazoowee1024 2 жыл бұрын

Did you have a high credit score when you got approved?

@sydney2462 2 жыл бұрын

@@bandokazoowee1024 Yes I'm in the 800's, praise be.

@wanderingdoc5075 2 жыл бұрын

Who told you one? Chase has pulled two Bureaus EQ and EX for all 7 of my cards with them

@livingunashamed4869 2 жыл бұрын

I'm thinking about the Wells Fargo Active cash card for my next one. $200 Bonus, 2% cash back on everything, and no annual fee. I agree the Chase unlimited is awesome, my everyday card currently.

@harkinsdavid 2 жыл бұрын

I think the Amex Gold card definitely deserves a mention. Easy to use credits to lower the effective annual fee, and 4x on dining and groceries is a fantastic return on spend.

@ResplendentRaider 2 жыл бұрын

Been thinking about the Amex Gold, except I never ever used uber, but I do like cheesecake.

@Joeygaule 2 жыл бұрын

Great video! I’ve used the miles from these credit cards to fly over $20K worth of flights so if you use the perks, they are definitely worth it!

@KarsonGaule 2 жыл бұрын

That’s amazing!

@SledgeIncTeam 2 жыл бұрын

Good video and info but you have to keep in mind that credit scores aren't everything. It's your overall credit profile that really matters. You can have a 800 credit score and get denied for a card. You can have a 670 score and get an Amex Platinum. Income, issuer rules, credit mix, age of credit, etc... Play a role in getting approved for credit cards as well but having a good/excellent score is always a good thing

@bandokazoowee1024 2 жыл бұрын

Which cards would you recommend for start up credit building?

@michaeldowning7094 2 жыл бұрын

You can get the Platinum , Gold, or Green even under 670. I pre qualified for the Gold and Platinum when my scores were in the 650s.

@bandokazoowee1024 2 жыл бұрын

I tried for the Everyday one earlier and they declined me

@SledgeIncTeam 2 жыл бұрын

@@bandokazoowee1024 DiscoverIt, Capital One Platinum or Quicksilver, Merrick bank double your line card, Navy Fed Go Rewards, those are just a few but Discover It is the best starter card in my opinion

@SledgeIncTeam 2 жыл бұрын

@Logan B (Credit Counseling Consultant) I have the NFCU More Rewards card. That's the only card from them that interest me

@kentnorman6667 2 жыл бұрын

Good video but you left out Capital One venture X check it out. It is a no-brainer they charge $395 a year but if you travel $400 a year Worth or more than they actually pay you $5 a year and many other perks

@Sarasdad91 Жыл бұрын

580 to 669 is not a bad score, it's in the fair range. 580 will get you an FHA home loan at 3% down. I had a 620 score and was approved for a hard to get card for $6500 of credit. I have 4 cards with lots of credit and a 659 score, and I'm being offered hard to get cards. Score is only part of their determination. On time payments, utilization rate, age of credit, all play a part in your approval.

@Zestypanda 8 ай бұрын

Lmao what

@huethedev6537 2 жыл бұрын

Which credit score should I use to determine my true credit score. FICO?

@KarsonGaule 2 жыл бұрын

Yes

@SledgeIncTeam 2 жыл бұрын

The thing is, there are several Fico scores so when applying for anything you should find out which score they use

@MasonsTurtle 2 жыл бұрын

Capital One Venture X is a decent card.

@KarsonGaule 2 жыл бұрын

For sure!

@DrRazaKhan Жыл бұрын

Karson. Capital One Venture X blows AmEx platinum out of the water.

@jonathanfactor6688 2 жыл бұрын

Great video thanks hun

@KarsonGaule 2 жыл бұрын

Thank you!

@dannyg9047 2 жыл бұрын

Time to get me the Amex Black Card!

@KarsonGaule 2 жыл бұрын

Haha you’ll have to get invited first!

@PhillyBill59 2 жыл бұрын

And have the substantial income or spend history to warrant the invite :)

@princessmeganelsa7543 2 жыл бұрын

@@KarsonGaule lol

@miguelferruelo6997 2 жыл бұрын

689 is NOT "Fair" credit by any Bureau and 720 is NOT "Excellent" either... The numbers are actually 660 (Good) and 760 (Excellent)... Kisses

@feliciag6800 2 жыл бұрын

I use my Amex points for traveling. Great video!

@KarsonGaule 2 жыл бұрын

Thank you!

@michaeldowning7094 2 жыл бұрын

Fair credit actually starts from 580 to 669 Good credit starts at 670 for FICO scoring which is the most important.

@michealmuga1658 2 жыл бұрын

I use my us bank cash +mostly for spend at Best Buy . Most cards won’t bonus bby

@bricejohnson4272 2 жыл бұрын

At the beginning, the credit card companies make most of their money from swiping fees from merchants. Amex, for example, puts you in “Pop up Jail” if you don’s speaks as much as they want you to, They consider you an “Unprofitable customer” and cancel sign up bonuses. I believe that their profits is 20% carry over balances interest, and 60% swiping fee. But great video overall!

@Dahench Жыл бұрын

👍

@jayadsilva67 Жыл бұрын

Karson......duh!

@TacticalBro 2 жыл бұрын

Who else stared at the jelly fish the whole time

@coziii.1829 6 ай бұрын

I saw your pic I think you are so beautiful

@smoothwill Жыл бұрын

Love your sexy looking eyebrows nice and thick .kind of look like Brooke shields back in the day .

@rayn1ful 2 жыл бұрын

credit cards need to be eliminated , credit checks and credit rating should be illegal , anyone caught asking for a credit check should go to jail.

@sydney2462 2 жыл бұрын

Except it's not? Nobody is forced into getting a credit card.

@rayn1ful 2 жыл бұрын

@@sydney2462 unoficially they are, you need one to do practically anything, i think that needs to stop , credit card companies probably know that and enjoy a descent profit from it.

@sydney2462 2 жыл бұрын

@@rayn1ful Of course they do, they are a BUSINESS, not a charity.

@Aj-me8mo 2 жыл бұрын

Then just be responsible with credit cards. It's very easy to get and maintain a high credit score

@rayn1ful 2 жыл бұрын

@@Aj-me8mo very true , however i think it should be a person's choice if they want a credit card or credit score , i dont like the fact that its mandatory to have a credit score or credit card to do anything.

@bributt777 8 ай бұрын

Got out of prison my credit score was 768 thanks chime

@Michael-bo5bd 2 жыл бұрын

Love the video! Do you have any thoughts on the US Bank's new secured offerings? The Cash+ secured may have over taken Discover as my go to secured recommendation.

@KarsonGaule 2 жыл бұрын

Thank you! You’re right the cash+ cash back rates look to be a little better.

@michealmuga1658 2 жыл бұрын

I use my us bank cash +mostly for spend at Best Buy . Most cards won’t bonus bby