I have a feeling the US Bank AR is going to be the core centerpiece of your Setup for a long time, so much value to be found there. Definitely makes sense the spend on the Plat was a bit higher with the honeymoon spend, so exciting! Love the data-driven approach & the spending frequency chart is definitely a helpful illustration to support your overall spending breakdown. Great video as always Stan!

I can't lie - i love the math driven set ups. Sounds like I need to open a deposit account with BofA

Love the data-driven approach you took towards evaluating whether your core and supporting cards are really being used as such. Also YES completely agree with calling it "highly subsidized" travel ... if one doesn't appropriately budget for those expenses that aren't covered with points/miles/statement credits, the eventual travel bill might be uncomfortably shocking. Awesome stuff Stan!

Very Nice. You Do Your Research! You make me want to look at Bank of America Cards again.

Solid setup backed with data! Thanks for the detailed overview brother! 10k soon!🚀

Solid setup Stan, definitely agree that once you've created your core setup, it's more about what you're planning to do rather than switching it up all the time, the only time I personally change things around is when I want to hit a welcome bonus offer, other than that, nothing really changes.

I feel like we’re all playing checkers and you’re playing chess when it comes to credit cards. I always learn something new from your videos. Thanks Stan!

USB AR + BILT + Plat is such a good setup. I think im gonna work towards that for mine too

I love how you stick to cards based on your use and not hype. I’m still working on racking up points, but at almost 200k MR, I think I’m ready for a quick weekend trip on spring break! Love your content. - Ivan

Great video stan. Excellent to see the breakdown of your stats. Im gona have examine my spend as well. Seems like you came up with a great system for your core setup. I just finished earning 2 subs myself, so im pivoting back to my core setup but im always reviewing it for updates

Your setups are always so unique smd you talk about slept on cards that no other cardtuber really talks about (USBAR, BofA, etc) Makes for interesting setups for sure

I just grabbed a US Bank Altitude Go secured card, I’m done playing with crap approval odds with US Bank ha in a year it will graduate and I will be all set! I love the no FTF and solid rewards of the Altitude Go. ✊

Ideal core setup: you only need 2 cards: 1. Altitude Reserve for in-person transactions 2. A card with online category, such as AT&T AM (3-4x) or BofA CCR (3-5.25%) + Curve. CCR can be converted to MC, so you can use it with Curve. Everything which goes via Curve codes as online. This also works for in-person, so you don't really need AR anymore.

I don't use the BILT feature to pay directly from the bank account, but it's still only about 10% utilization so I don't think it matters. My rent is around $1600 and my bank account gives me ~4.5% so that's like getting about $70/yr extra, lol.

Thanks for the great info + video!

Nice job. Both BoA Black Cards also offer 3.5% on Dining. I know the point was not to cover in detail but the Elite card has insurance on rental cars, discount on rental cars, baggage and delay insurance on flights, payments for canceled flights, and 4 Priority Passes allowing 3 people per pass and the Priority Pass includes restaurants with $28 credit per person. If you fly even 5 times a year and do not use another travel card, the Elite card is pretty solid even at $550 of course this assumes you have 100k with BoA/ME. Also, the $300 and $150 offsets are annual not broken up into $20 monthly credits like AMEX and the $300 airline offset you are not forced to pick an airline of choice. For me, the Elite and Red Rewards are all i need, I could see a 2nd Red Rewards for another 5.25%. Both cards, rewards straight to your account no hassle with redemption. BoA travel portal is worthless most of the time, that is my biggest grip with BoA Elite Card.

Great setup. That Altitude Reserve is making more and more sense to me. If only I could product change from the Go.

I just got my USBAR 🎉

Great content as always! Thx Stan!

hi Stan, did Chase mention any deadline date for the Hyatt personal & biz cards SUB promo? cant find any... thanks

Excellent analysis! ✊

Will you do a vid on all the credit cards that you have, and why you have them?

When it comes to the Premium Rewards Elite (PRE) and Premium Rewards (PR) card, I tried to product change from the PR to the PRE, and I was told they're separate products. Not sure if that's the case the other way around, though. I actually still have both, and I'm able to move the points from the regular PR to the PRE. I kept the PR because I have an AU card for that one, so my wife can use it, and I can move those points over to the PRE. I'm still on the fence if I'm going to keep it, but I like the card so far. I'm striving for a simple card solution; I don't want to juggle like 6 cards trying to find the perfect card for each transaction. Life's complicated enough without making it worse.

Hey Stan, great analysis! Just curious, what type of transactions are you using the mobile wallet/Altitude Reserve on? In thinking about my own spend, I can’t think of many situations where I use mobile wallet. I have a B of A customized cash card and have it set to online shopping. It gets a lot of use.

I've been trying to figure out what my setup should be. There was a time I used to travel a ton and got a ton of value from my PlatAmex, but those times are in the rear view mirror for me. I love Amex, and would even consider myself somewhat of an Amex fanboy. But it is annoying that I can't downgrade my Amex to a NAF card that suits me for now, until I'm ready to upgrade to the PA again. Is this what they call "golden handcuffs"? Or would these be Platinum Handcuffs?

Thanks on touching base with the BoA cards.

Great video. How are you using the redemption for US bank reserve card points. I am assuming you use your Marriot cards for hotel and Amex platinum for flights so not sure how this card would benefit me and wondering if you have any thoughts .

Bank of America unlimited is free too with $.01 redemption.

After downgrading your Preferred Rewards Elite to Customize cash reward, how long do you have to wait before apply for the Elite again to get intro bonus?

You used the Bilt card 46 times last quarter. Was there any headache remembering to use it 5x a month?

Great video as always Stan. Interesting to see how everyone spends on their cards differently. I have a personal question if you can help me. I am moving overseas permanently soon, and need help on a second credit card suggestion. Currently have the chase sapphire preferred. Also, I have the no annual fee Hilton card and a Savor one. Called up Capitol One and they would not ship a card out with a foreign address. Chase and Amex would.

I recently product changed my US Bank Altitude Connect to an Altitude Reserve, inspired partly by your arguments in its favor. The US Bank product change process is indeed weird, from a slow online change process, to wondering from quite a few data points, as to whether I’ll get an unpromised (accidental?) sign up bonus. I’ll let you know. But I have the same issue with lack of parking coverage, and I also want no foreign transaction fees on that. Which leaves me the Sapphire Reserve (which I can’t apply for til December) or the Autograph. I cancelled my WF Active Cash because of their horrible customer service and don’t want to go that way. I wish there were a Visa version of the Amex Green!

good setup

Yes Sir! 👍

Thanks doc

Does the BILT card work on mortgage payments same as the rent, or is there something special about it having to be only rent payments?

Why the BoA Customized Cash Reward cards over the Citi Custom Cash? Feels like there is more upside for the Citi product without giving up much on base earning rate.

do you use the CLEAR credit from the MS Platinum? I think only Platinum and Green has this benefit, it might be useful depending on where and when you fly out of.

@TheCreditFrog, are you now putting rent actually on your Bilt Mastercard given it will help you acquire higher status and, therefore, better transfer bonuses on Rent Day?

does the 5x gas & 5x dining & 5x groceries for the Chase IHG Premier applies outside US? thanks

The BofA cards are only useful because you have a huge amount of money with BofA. You want to share that with us?

71 txns on USBAR in a quarter? Those are rookie numbers. I went back and looked at my card and I had 138. But I have a high maintenance wife and son to spoil....

Hello Stan, how does real time reward work when you abroad and your US phone number isn’t working?

I’m first…forget the other 6 comments

Are 5x American express on flights price competive?

KZfaq sucks big time! Most of comments are getting removed!

Isn't he a physician? Why would he get married? There's a new crop of freaky nurses every year.

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