Haha, we've dated for a long time, and so we were pretty happy that we could finally get married. I appreciate the well wishes!

Thanks Sean! Looking forward to seeing what the future brings!

Appreciate it Spencer! Yes, it's nice that I've found a setup that works well for me, but hopefully it'll give others ideas on how to craft their best credit card setup. Keep up the great credit card content 👍!

@@TheCreditFrog 🫡

Thanks AP! Yeah, I'm thinking about downgrade her CSP to an OG Freedom and then reapplying for the CSP to get the updated bonus! We'll see though, we have to make sure we can meet the MSR, and we already have one going right now! I definitely want to get the CIP in the future, but I'm trying to figure out when's the best time!

Thanks Dr. Boombatz!! It’s really nice having a P2 to start supercharging the game!

Thanks so much Monty! Yeah, I'm looking forward to maximizing the P2 strategies as well as referral bonuses since we've been waiting to execute those until after we're married. Appreciate you bro!

Haha, thanks so much Joe! I'm also looking forward to seeing what comes up with our 2-Player strategy!

Thank you so much Jon! Yeah, I wanted to cover as many bases as I could. Hope to begin to maximize those point earnings!

That's definitely a good bet! I was pretty much all in on the Ink Preferred until I realized that I could just use my wife's CSP to transfer out instead! The CIC and CIU are great options with great welcome offers so those are definitely going to be the prime targets!

🤣🤣🤣 You have to be prepared for everything these days!

Lmao that’s lol the carrying a Trojan in your wallet . Wondering did anyone get that The Romanian. Centurion is it the Black one .

Hey, that's awesome that you were able to set up your wife to be in a great financial position today! Planning is so key to all of this, and it's awesome to see that you're both taking steps to lead the life you want to live with good financial habits! Will definitely try to do the same as we start out on our own married financial journey!

I agree PhilMo! It's pretty cool to have another credit profile to work with, and it's going to really help us get a lot more points in the long run. I'm happy to hear you enjoyed the video!

Appreciate it Jay! Your wife has a very solid setup that covers pretty much all types of expenses. I would say BofA is a great end-game setup, and if you can get to Platinum Honors tier - their cards are incredibly powerful!

Haha, yes! All aboard the Ink train!! I will say that I still have some cards I want to get for the benefits (mostly hotel cards). I didn't realize there was a 120k CIU out there. That's insane! And you're right, she could certainly take me as a guest - I forgot about that haha! I was thinking about Amex and how they're doing away with lounge guests, but C1 still has it. Main point, I'm not applying for C1 cards anytime soon, but if there's a need, will use my wife's profile for it!

Wow, that's a lot of points across multiple ecosystems. Nice! I mainly have points with Amex, Chase, and Marriott, about 250-350k each, and then some others 50k or below. You probably don't want to add another hotel partner, but the IHG Business Premier still has their elevated welcome offer going on for a few more days. May be worth looking into!

That's for sure Tariq!! I can finally transfer out to Chase transfer partners!

Appreciate that RJ. Thank you so much!

Thanks so much!! 😊🎉

Thanks so much Nkosi! We'll have to see what that next card is going to be!! That's awesome that you're going to complete the Capital One duo with the SavorOne. Such a great setup to run! Will be interested to hear your thoughts on it and whether it got you a lot of value during the year!

@TheCreditFrog I'll be sure to update you! Btw: going for the Savor not the Savor 1.

@@nubianpwr Ah ok! Sorry about that - still a great combo - especially if you maximize those 4% categories on the Savor!

That's a great idea! Thanks for the tip Ian, and I'm glad that this video helped you with your P2 questions!

Absolutely Jimmy James! I appreciate you!

Thanks so much César! Looking forward to incorporating some P2 strategies!

Thanks - really appreciate it! That's an excellent guess, especially since I have access to a CSP through my P2!! We shall see what happens..

Yup! Fun times ahead!!

Thanks. Ugh 5/24 ruins all the fun!!

😂😂😂

Thanks so much Matt! Yeah, I definitely wanted to set her up for success with her credit card setup. Like I mentioned in the video, we're very much primed to start taking advantage of referral offers. And yes, it's going to be awesome if we ever want to start moving towards Capital One as I think her credit profile is much more favorable to get the Venture X, but we'll see! Not even sure I want that card since there are so many options out there! Appreciate the support Matt!

Thanks so much Mark! Yeah, we're definitely going to be doing that to get her up to Platinum Honors. Definitely will be focusing on hotel cards since our primary core setup is pretty nicely built out. I definitely want to add the SGK card as well - can't ever have enought BofA CCR cards, haha!

Thanks so much Vincent! Yeah the Ink cards always have some great welcome offers. I'm actually just under Chase 5/24 now so I'm trying to stay under it for as long as possible. And yeah, I agree. I think she's at the point where she has the highest probability of getting the Venture X so I'm juggling the idea of getting that card vs. something else. Haven't made a decision yet, but having access to the VX lounge and a 2X everything else card with no FTFs is a fun idea to think about!

I love the cards! We shall see!!

It's true. It's a big gamble though with 3 hard pulls. And preapproval doesn't mean automatically approved, unfortunately. When it comes time to get a VX, we'll pull the trigger!

@TheCreditFrog true true. I was went for it and approved last year. Not too shabby. Good p2 setup though!

@@tooeasy4217 Awesome! Glad to hear you got the C1VX!!

That's a nice card! That 4X on dining for NAF is amazing!

Personally, I’m a big fan of the secured/student cards from the big players like Chase. BofA, or Capital One. Don’t know much about the Chime card!

Oh interesting! I never heard of that, but that would be super cool if that’s the case! Because of how the Ritz Carlton card PP is losing restaurants, I’ve decided to keep the PR Elite for the next year since it’s one of the only cards that reliably has PP restaurants. I still can get value from the credits so it’s going to stay in my wallet for now!

That's for sure! I'm thinking of waiting for a 90k offer, or another option is to downgrade to an OG Freedom and get the Sapphire Preferred offer that's going on right now! Just trying to figure out if the MSR is feasible since I just got another card with a higher minimum spend.

Thanks so much!

Alliant is a solid catch-all card! Haha, sounds like our wives like online shopping, so we have to make sure we have cards for that. Our core cards are similar with a USBAR for MW, something for dining, and a catch-all for non-MW spend! Very cool!

Probably as soon as possible, but maybe that's just me.

Haha! Let's be real, CJ would never be with someone who doesn't appreciate Rose Gold!

@@TheCreditFrog good point Lol

I'm not sure. You should be able to add it without an issue!

@@TheCreditFrog sorry my question didn’t make sense…. Do I still get 3x on dining when I am paying using MW on CSP? I pretty much only pay using mobile wallet not the actual card

@merciaguerra9507 oh, haha! Yeah, the categories should still code as dining even though it’s through a mobile wallet

So yeah, my Marriott and Hilton videos should be a good guideline to follow! I would say that if you don't have any Hilton cards, maybe you could get the Hilton cards alongside your wife. That way, you can refer each other for cards and earn extra points that way. Hilton also has a nice system to pool points too so you can combine the points you earn to make a bigger redemption! As for the Delta Reserve card, I personally don't recommend it unless you want that 747 edition that's out right now. I think it's much better to stack the Delta Gold/Gold Business and Platinum/Platinum Business to get the MQD boosts to qualify for status. If you want an airline card and you travel often, the Amex Platinum is a much better choice! With all these options is probably good to see if you have an Amex 5-card limit or not. I would love to have a lot of Amex cards, but my limit is 5 so I have to be somewhat selective. Hope that helps!

@@TheCreditFrog Thank you! It did, my core setup is very similar to yours, I am just a heck of a lot earlier in my journey. I have the Amex platinum, which I love, I get so much value out of it right now. I also have the BILT and just got approved for the USBAR. I also have the Amex Gold which I use to workhorse the Amex points, and I have my wife as an authorized user on the Amex and USBAR cards. I was thinking for her to start getting chase cards as I have one year left before I am under the 5/24 rule. I was thinking about getting the Chase Reserve as my next card. I don't have 100k in Merrill so BoA cards are out for me currently until I can allocate more funds to their accounts. The only category I struggle with is gas, however, I think I will use my GM Chevy card for my gas & electricity bill. I was curious to see what you use as your gas card, and what would it be for maximizing your rewards? I always lease my vehicles, and I love Chevy trucks, so I use the GM card as it gives me a $100 back each year for gas and another $100 for electric back each year. Plus when I go to get my next truck the points I can receive will give me between an extra 2-3k for a downpayment. For a free card to give you $200 back in raw statement cash is kind of OP in the credit card space if you ask me. So you're saying getting the double Delta platinum cards would be better than the reserve? I have my service weapon I travel between states so I wanted to build a relationship with Delta and my main airport so it makes traveling easier and safer for me that's the main reason I am looking into the cards. Lounge access for food and the checked bags I value so much, plus the Resy credits are easy to use near me. My thoughts were refer my wife using my chase cards so then cancel mind and get added as an authorized user, then give her the Amex cards that I can't have because I would have the 5 Amex card limit. Then add as a user to my BoA after I get the merrill account to 100k. I am so sorry if you read this whole message hahaha, but if you have any thoughts or suggestions please please drop them below, I would love to see how your mind thinks about all of this.

@@ClassicIX Wow, that was a lot to take in haha! I would just say that I would only do AUs for a couple of cards, if necessary. For example, once you both run through the Amex Platinum welcome offers, it may make more sense to have P2 be an AU after year 1 than having you both keep the Amex Platinum. AUs not only add to Chase 5/24, but they also make it confusing in terms of welcome offers for banks - not making them inaccessible, but you may have to explain why you "have the card already" if you're auto-denied by the algorithm. For me, I use my USBAR for gas purchases (3X mobile wallet). We almost exclusively get gas at Costco so this works very well for us! As for Delta, I personally think the Delta Platinum strategy would be better than the Reserve since you already have the Platinum card, but you have to look at the credits/AF and see what works better for you! Cool to know about the GM card - haven't really looked into that one!

@@TheCreditFrog thank you, I appreciate your replies, I always like to hear others' perspectives and thoughts. Yeah, it's a neat little card I have just because I love Chevy trucks so it gives me a free detail and 100 bucks off my gas and or electric bill so for a free card I keep it. helps with my leases too, got a 2024 63k truck for 400 a month lease, so I can't complain. I am looking into ways to just make traveling easier for my wife, and I for vacation but also to fly between states and be able to give my mother some added benefits too. I was thinking of double sky plat cards for the two certificates and auto silver status for free bags. when you doubt the credits it's worth more than the reserve and I can use the two hotel credits for trips with my wife, as my goal is to get as much bang for my buck with multiple trips per year. At least until we have kids. Also having the business plat delta card gives me business write-offs for my company haha. Thanks for reading my word vomit, I appreciate all of your videos, they challenge my process/ justification for card setups.

Actually yeah, I forgot that C1VX can take guests - was thinking about Amex and how that's going away! So hopefully she would take me with her. Or maybe not, she would leave me with Adam and his kids 🤣

@@TheCreditFrog i gave my gf AU access to my C1VX, she went to the dallas lounge and she loved it. the food and ambiance was good. how she got to use the benefit before me i'll never know lol

@@syzygy1776 Haha, shes's super lucky that she's your AU!

No. Definitely not 🤣

I haven’t heard of anything. I can’t make a judgment until something actually happens. If it gets totally gutted, ill definitely have to make some moves

I know the connect real time rewards is getting nerfed to I believe .008 from .01 cents and my altitude go says changes or coming so thought maybe all altitude cards real time rewards getting needed but I hope not.

@@jacobspurgeon2110 Oh I see. Yeah it's a good assumption, but until I hear concrete evidence, it full steam ahead with the USBAR!

Right on! Top notch content btw you always give a unique perspective to setups I seem to overlook. Off topic but curious on how you invest with Merrill, I prefer fidelity but really want the online shopping boa maxed %, can I just leave the 100k in market fund with Merrill for a short period and transfer back to fidelity to get the boa rewards?

@@jacobspurgeon2110 Thanks so much! Yeah, you'd need to leave $100k at Merrill to get the PH boost. What I do is I leave those funds in an S&P 500 index fund ETF in Merrill with some extra in there to handle market volatility. When the account grows, I do an ACAT transfer to my main brokerage which is more diversified.

If you're under Chase 5/24, remember you can only get one Chase card before you're back at 5/24 again, so I would prioritize getting Chase business cards first. I would select your most wanted personal card and get that one once you've been approved for all the Chase business cards you wanted to get.

@@TheCreditFrog Is the CFU and CFF worth in my core setup? I saw your wife's core setup is much different than someone life yourself. You have USBAR and Bilt, but do you have the Citi Custom Cash and CFF. For the CFU getting 1.5% back is not that great. I remember your video on the Amex and Chase Marriot video to get 2 35,000 nights and 2 85,000 nights. Patience is a virtue because it might take 6 years.

@@frankcutronijr It depends on what kind of setup you want to run. If you want to earn Chase points, they are great cards! But if you want more of a cashback setup, definitely getting a 2% card would be better. I don't have the Citi CC or CFF, but my wife does. The Marriott Strategy is nice, but does take some time to complete.

@@TheCreditFrog I would like Hyatt Globalist Status for the Hyatt Regency Orlando Orange County Convention Center for May 2027 for a 9 nights. The resort fee is $45 and the parking $20 per day.

@@TheCreditFrog i believe i will get 4 personal Chae Cards and then wait the 2 years for the Freedom Unlimited. The USBAR seems to be a much more powerful card.

Haha, she sure did! I'm not really sure what the reasoning was, but it was probably some sort of marketing. She hasn't ever redeemed her points for anything before I met her. So yeah, we're working on that! 🤣

@@TheCreditFrog sounds like that story Could make for an interesting video! We are so inside the game that sometimes it’s hard to remember how Normies think!

Yeah, definitely not going for any Credit One cards! 🤣

I've wanted that card for so long! I may delay it for a little while longer since she has the CSP, but that bonus is still 🔥 though

Choo choo!! 🚂🚂

Thanks Zyzzuschrist!

Great to see you here Sledge! 🫡🫡

CJ is always first.

🥈😕

@@Dr.Boombatz thank you! I don’t think Stan understands, he gave me the wrong medal.

😒

@@ItsMeCJSorry CJ!

Congrats Ahmad! You are first! 🥇

Almost CJ… Ahmad beat you by 6 seconds.

Thanks Juan! Haha, yup.. All aboard!! 📣