💳 Sebby's Card Picks: www.asksebby.com/credit-cards Amex Platinum Calculator: www.asksebby.com/credit-card-reviews/amex-platinum-card

If you need to run to take a chair at the pool you are not on vacation and in the wrong place. Chose a more civilize location on your next vacation even more if you are taking your family. More expensive but worth every penny and peace of mind. Cheers 🍻.

Having 10 charge cards would be quite the expensive setup, but props to those of y’all that have that many! The Amex Gold card has got to be my favorite credit card with Amex as it is a straight up workhorse card that gets pulled out of my wallet almost daily. I would say the most underrated card Amex card is the Hilton Aspire, but it’s definitely starting to get the recognition it deserves. That thing is packed with value if you use it to its fullest. Great video Sebby! Always enjoy your content.

AMEX setup is expensive - but definitely worth it if you can maximize the perks/benefits. Thanks for the video.

When I first applied for my Amex Platinum I didn’t think I’d be building an Amex setup. Well, here I am. I have the Platinum, the Gold, the Delta Platinum, and now the Green card in my wallet. Some people don’t like the credits but I like knowing I’m guaranteed some value assuming I use my cards in certain ways. Amex’s point earnings are competitive and their customer service and lounge network is really good too. As someone who travels a lot and eats out, their trifecta really makes sense for me.

Will have to watch this more than once. So much to take in. It's always great when you breakdown the number and extra credit for doing a live dummy booking.

Love this style video! Hugely helpful when trying to fill slots that provide the most potential value. Thank you!

I currently use the Citi Custom Cash for groceries, but the problem is I routinely spend over $500 per month on groceries, especially if I want to take advantage of Kroger fuel point bonuses on gift cards. So soon I will get the BCP and use that for groceries most of the year until I hit the $6000 limit. During that time I'll use Custom Cash for home improvement or some other category. Once I hit the $6000 limit on BCP, I'll use the Custom Cash for groceries the remaining months.

It's so funny you made this video. I was wanting to ask you your road map for credit cards. This fits the idea for Amex. You should do the same for the other banks following their rules.

Excellent information Sebby. Your information and knowledge of the credit card game is outstanding. I’ve had many credit cards over the last 30 years, and never had an American Express Card. Now, I’m all in with Amex. Platinum, Gold, BCP, Delta Gold, Charles Schwab Platinum, & Charles Schwab Investor Card. Your channel has helped me navigate this credit card (miles & point games)..

The Schwab Investor card has something called the "Dining & Events" Assistant. However, it's actually outsourced to the Amex Concierge team. Effectively giving this card a no annual fee card with the Concierge line. I have this card complimenting my Amex Green. I'll probably need to get a BBP or an Everyday to preserve my MR points in case if I decide to cancel my Green (which right now It's not on my radar).

I would recommend a low pass filter up to about 300hz to get rid of the boominess and make the audio more clear. Or increase distance to the mic (proximity effect) and increase the gain on your interface or add a cloudlifter for the sm7b

4 Card Setup: Delta Gold Blue Business Plus Hilton Aspire Hilton Aspire Flex: Whatever card has a lifetime high SUB

Love my Plat + Gold duo.

My 4 cards will be all Bonvoy Amex, including 2 from Canada (regular and business) and 2 from the US (Brilliant and business). My point valuation is 1+ cent per points so it’s great value for me. Brilliant Amex offers unlimited Priority Pass so I don’t need to pay $600 on another premium card for that purpose.

My 4 Card Setup: Hilton Aspire, Hilton Business, Delta Business Reserve, BBP. Trimming charge cards down to the Personal Gold.

I love my investor card I know theres 2% cards out there but I actively invest its my workhorse card for the everything else catagory. It just has a high limit competitive interest rate and I like how it automatically redeems for me.

🏝my current Amex set up is Platinum, Gold, BBP and Prime Business. The BBP is key here since it’s the only way to get 2x on everything in MR. The Prime Business because I shop a lot on Amazon and there really isn’t a way to get consistent 5x back uncapped here. CFF might offer 5x UR which is technically better but it’s only for 1 quarter and it’s capped at $1500 spend. The only other card I am really considereing is Hilton Aspire for the extra incidental credits to bank into United travel bank with my Platinum and the Conrad credits.

🏝 I am running the platinum, gold, Hilton Aspire, and blue cash preferred on the personal side and a Business Blue Plus for my business. What I learned today was about getting more than one Aspire. I have 2 million Hilton points and love the two free certificates I receive from my Aspire (over $60k in spend)….but now I am going to get one of the other Hilton cards and upgrade in a year. I have been playing the game for years but you taught me a new trick! Thanks!!!

I really liked this style of video where you focus on strategies to maximize the opportunity available. As for the Hilton free nights, do they carry over or is there a limited time as to when to use them? say if I get 3 Hilton aspire and left it accumulate to 6 night in 2 years and use it then. Just curious to know.

I have had 7 leaning credit cards for less than 10 months which 4 business cards and 3 personal cards which Helton Honors personal and business, Delta Gold personal and business, Personal magnet card, Amazon business card, Lowes business card. Plus 4 charge cards which Al personal! Hope that helps others!

My first two AMEX cards were the Gold and the EveryDay Preferred. I applied an hour apart and regretted it because I did not do enough research. The only value EDP has for me is the 2x on gas. I then got the BCP which I really wanted as my main cashback card. That's the only 3 I have with Amex. I plan to either downgrade the EDP or close it when I hit a year and keep the Gold and BCP as is. I am in the fence with the hotel and airline cards. I don't travel much, on average would be 1.5 times a year, which is why the Platinum would be a bad idea. I plan to get the Green and Blue Business Plus as my next 2 cards. Green because I feel it's for small time travelers and it's the only card I think in their stack that offers points on 3rd party travel sites like Expedia, Orbitz, etc. while the Gold & Platinum are for booking directly from airlines & Amex travel, plus for someone in NYC like myself it's good for taking the subway, Amtrak, Path Train, and Metro North as well as taking the bus, paying tolls, taxis, ferries, rental cars, and parking. Wish the AF was $95 though.

🏖 Bonvoy Brilliant is currently on my list but may soon fall out as they convert the $300 resort credit into a dining credit. I’m not a fan of this move

Team Hilton as well. Player 2 mode. We like the surpass due to the multipliers. Hilton takes care of you as well. Upgrades for days

This goes deeepppp 🏝

Love the NBA comps Sebby keep em coming

Right now I’m a masters student on a full ride scholarship and no job so I can focus on my studies. I’m avoiding those annual fee cards and run a Citi custom cash, Chase freedom unlimited, and a local banks 2% off everything card. When I graduate I’ll be an officer in the military and I’m gonna have a similar set up to you (but with the gold charge card and platinum) since I won’t have to pay for the annual fee and I can have my wife get the same cards so she will also not have to pay for them. We’d legit be able to take a damn good vacation every year for essentially free.

🏖 more of these please. And an update of first 5 cards -for a person/family that travels.

BBP is a great catch all card that may qualify you for great business specific Amex Offers like that Verizon $75. If you don't mind high AF cards then the right answer is 4 Aspires. If you want a compliment to Platinum and Gold charge cards then BBP, Everyday Preferred, may be biz Gold and something else as the 4th card ⛱️

Smoker sebby approved

Russell Westbrook reaction 😂😂 🤣🤣 Im dead 💀💀

I just opened my 5th lending card last month in the BBP.

It's always interesting seeing the different rule sets credit card companies follow!

🏖 This video actually came at the perfect time, since I just got approved for the Hilton No AF card. Now I have something to shoot towards as far as setups.

Great video; very thorough 🌴

The Gold, Hilton Aspire, and Blush Business Plus are my setup. I plan on applying for the Platinum card in a month or so. I didn't fly much this year so I'm just Squirreling away points until I get the Platinum Card then I'll have my perfect travel setup for 2023.

fantastic video

My AMEX Setup is kind of oddball. Pers Plat, 2x Gold, Bonvoy Pers and Biz, Delta Blue, Everyday and Hilton Aspire. I usually use the credits to easily offset the AF's and work for retention offers when I can. Blue and Everyday were downgrades to cut down on AF's of Delta Plat and EDP.

I was recently approved for my 5th active lending card in addition to one charge card for 6 cards. As you said 4 is definitely not a hard and fast rule. I also have a mix of personal and business and that might have something to do with it.

looooooving the NBA references 🙌

🏝️ my current setup is the bbp, plat, aspire and the csp. I just cancelled the gold, don't spend that much on groceries anymore

Sebby blessing us with the Barry White voice today…

I have the Blue Cash Preferred and I use it to buy groceries and gift cards for Amazon at the grocery store. I get 4x points for Shell gas ($100 gc = 400 points or 40ç off per gallon) with Kroger/Ralphs along with the 6% cash back from Amex. Good if you're single and won't buy $6k in just groceries. Great for how much gas is today.

Super helpful video! 🏝

Currently, Sebastian sounds like a Smooth Jam/Quiet Storm DJ. This seems like an opportunity for a little voiceover work. 🤷🏾‍♂️

“Also known as the BBC” 🤣 dawg

HI Sebastian- thank you for your great content as always. You are always spot on---except on this topic. I was told there was no limit. I will find the email. They said "you can have as many as you can qualify for"---(not a direct quote--but thats what they told me about 2 months ago). I got my first one (green card) in 1979. And since then- I have a green and platinum business card--2 cards. I have a delta gold and purple, 2 more. I have a gold and everday 2- so I have 6 cards. Honestly I will probably get rid of the delta reserve, the everday and the green business. I just dont need them. I use the green business if the platinum gets a high balance- and they start getting nervous "we approved your purchase but you need to make a payment"----blah blah -- My business--I buy about 20K monthly on that card and some months a little more- so when the balance gets around 25K they start emailing me to make a payment or risk declining future purchases- which is ridiculous because they have always been paid. And- when they do that I just use the green card-and they obviously know that. That happens maybe 2x a year, and I'm sure if they started declining purchases I could make a payment or call them and I'm sure they would accommodate me- since they have always been paid. This is what they say as of april 2022: Currently, you can have up to five American Express consumer credit cards at one time. It is important to note that American Express offers multiple types of cards - business cards and consumer cards - and that the rule only applies to consumer cards where you are the primary cardholder.Apr 29, 2022

🏝🏝🏝Hope you fell better soon! I'd go with the Amex Trifecta and round it out with the Delta Reserve for the MQD waiver, bonus MQMs and companion certificate. Aspire is a great value and I may just add to the four for this exercise 🙂. Great, helpful video as always!

New subscriber here. What great information. Thanks!

I just wish the Hilton aspire card was a semi metal card

4x business gold, 1 personal gold, 1 schwab plat to cash out

🏝🏝🏝Sebby the 🐐! Seeing the card that offers mex value (aspire) and going for the kill!! I like it. Aspire is just a must have card for sure!!

My 4 amex cards are Delta skymiles, Hilton honors, amex blue and amex green

I got the Chase Sapphire Preferred recently, I love it!

My setup. Platinum and gold with Blue business plus for my trifecta. Then blue cash everyday. My flex would be blue cash preferred and delta gold or one of the Marriott

Great video!

Hilton Aspire airline incidental credit: I can buy a Skyclub day pass for a companion for $39 and this will be reimbursed?

Current setup is Plat, Gold, Delt Res, Delt Plat, Aspire and Bonvoy...I may dump the Delta Plat in the fall, but not sure that I will since it has better multipliers than the Reserve...and right now I'm chasing Delta medallion status.

Too many cards is problematic. I overlooked minimum pay for paying the balance once. I wiped out all the cash reward all year long!

🏖️ hoping to build out the op sebby setup for Hilton 🔥

All the NBA metaphors made this video legendary

Why didn't you tell us the acronyms for all the other cards except the Blue Business Cash at 5:31? I'm onto you, Sebby

Come on buddy! This is a new video, make clear (at 17:08 in the video) that the 300 "credit" is NOT Marriott credit but resto credits, otherwise, love the work!

🏖 great video and options!

🏝 BBP, Hilton Aspire x2, Delta Business Reserve and Bonvy Business

BBC haha why did I laugh @15:30

I'm pretty sure they back to 5 cards and 10 charge cards now.

🏖 1. Amex Everyday Preferred (@asksebby why didnt you mentioned this one during your video?)2. Amex Gold 3. Amex Platinum Not sure what my 4th would be. Currently, research that since I have a big spend coming up and could use it towards meeting a spend bonus.

Informative 😁👍

I am retired and spend about 25k a year. I have the Hilton Surpass and Delta Platinum. Thinking about upgrading to Aspire but and adding Citi Custom Card.

Ya I have 5 credit cards and 3 charge cards with AmEx. The 5th credit card was only added just last month. I'm aiming for the 3 Aspire cards and could go for a 4th; my 5th is the BBP (but would need to remove my long time Blue Cash Everyday card which was converted long ago from the Costco version)

🏝 I think the sports ball references are funny even though I don’t understand them.

🏖️ Just finished my spend for 60k points on World of Hyatt, so the Hilton Aspire is next. I like the math on multiple Aspire cards for YOLO trips; great tip. My only Amex lending card is the Delta Reserve; I hardly put any spend on it, but it's best value for me is free status upgrade priority. Paid my latest annual fee in July, and have already saved over $700 in that regard. 5 of 6 seats were upgraded to FC, on my just completed Cancun trip, with Player 2. And thats without factoring in 2 SkyClub guest passes used.

I have: Hilton Surpass, 8/2021 BBP, 1/2022 Gold, 6/2022 Really want the Aspire, but don't want to eat my Feb 2023 5/24 status. But also don't want to lockout of the bonus. I have seen 100k basic Hilton bonus when in incognito browsing though, and would churn that later for a surpass or 2nd aspire later

I got 5 lending cards; 3 aspire cards, 1 blue cash preferred, 1 HH business.. tempted to apply for one more lending as they sent me an invitation for a delta card

First 10 comments- and haven't done a 50 meter dash for this purpose... yet haha :)

I love my delta reserve! I may look into the Amex gold card though.

Found this out the hard way this year. I closed my Delta gold to apply for the Delta Business Reserve and I was denied due to reaching the 4 card limit. I had 5 credit cards prior to this.

Hey Sebby, AMEX Everyday Preferred is noticeably absent in this review & IMHO worthy of consideration. For foodies who only cook for themselves & and value travel rewards over cash back, it occupies a clever notch in the MR points lineup. With $95 annual fee & 30+ monthly transactions, 4.5x MR is better than 4x $250 Gold card MR points are most valuable when transferred to international airlines, (especially business class) right?) Also, there is something I noticed about Pay Over Time and Plan It. Although there's no preset spending limit, my Gold Card's POT's CL might be determined by the CL of my other card (Delta Gold). It also has Plan It, & it seems the plans offered within are determined across the product line.

The intro! 😂😂

🌴great vid.

I'm sitting at five lending cards (4 personal and 1 business) and 4 non lending cards.

We never used Uber and in Daytona Beach we don't have access to any of the dining options for the Amex gold...So no credits available.

🏖 Thank you Sebby!

I have the Amex Green blue cash everyday and the blue business plus

hello, is amex life time bonus rule really life time? i have seen people say they got bonus again after 6 -7 years... thanks

Why don't many KZfaqrs also factor in the $100 resort credit for the Gold at a Hotel Collection? You make your money back if you regularly make a hotel visit one of those hotels every year

The 4/5 card rule is not set in stone. I have 6 between personal and business - none that were converted.

I’ll probably do the 3 aspires in my setup. That’s a great idea. Btw, you said to upgrade the Hilton to the aspire and the surpass to the aspire, but couldn’t you also upgrade the Hilton to the surpass, then the following year, upgrade it to the aspire? That way you get an extra upgrade offer?

I’m sure if there was a way to redeem points for NBA games Sebby would be on that asap lol

I currently have the Marriott Business, Hilton No Fee, Hilton Aspire, BCE, BBP, and Gold with PoT turned on (had a bonus), so we'll see if I'll have to cancel a card or stick in amex charge card land for a while. (The Hilton No Fee would be the first to go)

Sebby you forgot the Everyday cards! My personal cap is 5 cards, which I found out this month. I tried applying for the Everyday Preferred a couple of weeks ago, got denied, and called into Amex and had to cancel my Hilton Honors card (no-fee) in order to complete the application. Some datapoints suggest that the Amex Green is counted as a charge card when applying, but considered one of the credit cards toward the 4 or 5 limit once you have it. YMMV. I'm trimming the Platinum, Gold, and Charles Schwab from my wallet in the coming year, as those are only good for the SUBs. The Amex Green/Everyday Preferred is THE Goldilocks combo for me, and the rest are keepers for the perks and category bonuses. 🏝 My keeper cards: Amex Green Amex Everyday Preferred (CC1) Amex Blue Business Plus (CC2) Hilton Surpass (CC3) Delta SkyMiles Gold (CC4) Cards being canceled: Amex Platinum - great ride at $550 and my first Amex card, but overpriced with worthless perks. Amex Gold - inferior to Amex Green/Everyday Preferred combo at the same price. Charles Schwab Investor (CC5) - got this for the bonus only. Have the Freedom Unlimited and Synchrony Premier Mastercard (2% cashback, automatic product change for Rakuten Visa - RIP), and would rather free this slot for the Hilton Aspire/Delta Platinum in the future

🏝️I currently have all 3 delta business cards because I fly delta all the time and use the intro bonuses as well as the MQD waiver, and then the BBP. Might look into switching to an Aspire card or 2 now. Really only need the Delta Business Platinum.

🏝I’m capped at 5 credit cards; I have Hilton Aspire, Hilton Business, Amazon Prime, Blue Business Plus, and EveryDay. Plan to swap out Hilton Business and EveryDay but not sure yet what will take their place.

🏖 Trying to figure out which card for slot four. Considering Morgan Stanley BCP, BBP, or Schwab Investor. Currently have 3x Platinum, Gold, Delta Reserve, Hilton Aspire and Vanilla BCP (have high grocery spend). Team Cash Back. SCRA/MLA applies.

Two Hilton aspire Marriott brillant Delta reserve or another aspire card

Is there a way to calculate when it is better to use the Platinum card (5x point bonus) versus the Business Gold card (25% point rebate)?

Hi Sebby, I'm doing Platinum, Gold, BBP, Delta Gold, Hilton Surpass, I 'm thinking which will a good choice, Hilton Honors no annual or the Hilton Business before getting the Aspire?

🏖 I currently have the BCP. Kind of upset the annual fee kicked in the next month. I am thinking of getting the BCE for the 3% online. Beyond that I am not sure as plans have changed. 😀

New to the multi card idea here. I have a Gold, husband has Platinum. I get platinum offers all the time, but they call that an upgrade, so I thought that would replace my gold, not added to. Is there a way to indicate you want both? Also, doesn’t juggling all these card applications mess with your credit?