Thanks Matt! Ooh, that's very exciting! I think you got the Bonvoy Business card recently so just remember that you need to wait at least 24 months to get the welcome offer on the Boundless - which if you get it with an elevated offer can be very valuable! Unless you just want to start the clock on the Boundless to get the RC, but even then, I think waiting may be right move. Also, not completely sure if you got the Bonvoy Business card so I may just be making this all up in my head 🤣

@@TheCreditFrog Oh my gosh haha thank you for that reminder! I completely blanked on that 24 month rule. I did get the Bonvoy Business like 7-8 months ago, so in that case I'll be waiting until March 2025 for it haha.

That's great! I think savings accounts are great to keep the money as liquid as possible, but certainly saving on taxes is such an important factor. Schwab is also a great bank, especially their debit card, which is one of the most flexible ones out there 👍!

I buy mine through Treasury direct. And I have it set up that a 17 week T bill is maturing every month

Yeah, I heard that as well! I actually didn't realize that the CSR could get access to the Sapphire Lounges too! If that's true, you're totally right, the PP on the RC would be better than the CSR, which is crazy since the AF for the RC card is lower too!

@@TheCreditFrog I found something on Chase's website as well, but for my circumstance, I am still planning to get the CSR card next year... I live in Boston and I have not tried to PC my boundless card to RC for at least a year or two. My PP from VentureX can only give me one access to the Sapphire Lounge per calendar year, hopefully, we can see some elevated SUB for CSR for the next couple of months...

@@crimsonk3178 That would be great! The CSR is a card that's seeing a resurgence recently and an elevated welcome offer would put interest in that card over the top!

The Ritz card is actually the best card for the Sapphire lounge. It allows unlimited guests. CSR and JPMorgan Reserve allow 2 guests. The Ritz card's Priority Pass also allows unlimited guests.

@@tlgraber That is really great to hear! RC PP is very powerful. Thanks for confirming!

I agree John! CSR is a great card, but there's too much overlap, and there is certainly something left to be desired on their multiplier categories!

Thanks so much Dave! Yes, we're both on team MS Platinum, haha! Still a great card due to the free AU, which is now a $195 value, which is pretty nice. Works well for the P2. I go to Vegas around the same number of times as you do, and the Platinum is my go to for sure! Appreciate your support my friend!

Yes! I'm hearing that from you and other people, so I think that I stand corrected! I didn't realize that the Sapphire lounge could be accessed by the RC, but this makes the RC card so much more powerful. In terms of elite nights, only 1 personal and 1 business Marriott can stack. So if you get those cards, you'll only have 15 elite nights. You'd have to get the Brilliant and Business combo to get the 40 elite nights (25+15). Other than that, staying within the Chase Martiott ecosystem is a pretty good move if you don't want to deal with Amex and the high AF associated with the Brilliant card. You have to weight the pros and cons of the AFs vs. the FNAs you get. If you can use all the FNAs up and use them well. It's just prepaying for your hotel stays, but with some value upside if you redeem them correctly!

@@TheCreditFrog ahh now that changes things, I wasn’t aware of only 1 personal card counting. Definitely gonna have to think this through and figure out what’s best for me. Appreciate the info Stan!

Yes, that is such excellent news! I'm still waiting on my email, but I'm sure it will come eventually. It's very exciting that the Ritz card is here to stay! Thanks for the tip!

You can definitely PC this from the Bold card as that's exactly what I did! The only limitations are that you have to use a Chase card (Bold, Boundless, Bountiful), having this card open for at least 1 year, and ensuring you have at least a $10k CL on the card.

That's very perceptive Jennifer! I have a video coming out soon about that card in particular and how it fits into my overall strategy! Love the CSR and what it can do, but the CIP is a great fit so I can at least get access to Chase's transfer partners. The CIP has primary auto CDW, but only for business rentals. Fortunately, I already have that covered on the USB AR!

@@TheCreditFrog Thanks for the reply and look forward to your video. That's wonderful that the USB AR has that! Quick question on the USB AR regarding the annual fee. $325 of that $400 is very easy and automatic to do. Just wondering if there are any other credits the card has to help offset the remaining $75 other than the 3x on digital wallets with 1.5X RTR on travel purchases. Interested in the card, but I don't travel much and when I do, I try to use points instead of cash to pay for it. e.g. Chase UR & Amex MR points.

@@jenniferw8963 No other credits but that $325 credit is the easiest one to complete for me! Any travel or dining purchase 🙄!

@@TheCreditFrog Yeah it's the best credit of all top tier travel cards.

Dang, yeah! It's a lounge desert out there! But hey, if you can still get value from the Platinum credits elsewhere and use the C1VX for its other perks as well, you're right - there are still ways to make the card work for you!

I don’t think so, if they’re already in your Marriott account, you should be good to PC with no issues. Haven’t been in this situation myself before though so can’t confirm.

Hey Joe! Yeah, I think the lounges are pretty spread out between all the different luxury cards, but geographic location certainly plays a factor. That's awesome that you've gotten value from the Founders card! I'm going to check out your video since I'm a little intrigued by it, but still on the fence about it. Your endorsement means a lot! Happy new year to you too!

@@TheCreditFrog thank you so much Stan! By the way, the Founders Card gives you Caesar’s Diamond Status and you can also get 4 nights at the Atlantis Hotel in the Bahamas for free. Not too bad! Happy New Year!

Hi Lin! Unfortunately, I don't have a quick fix for you and how to get out of pop-up jail is still somewhat of a mystery. The most effective way I've seen people get out of pop-up jail is to spend your way out of it. Not sure how much time would be needed to gauge this, but in my mind, at least one statement period is probably necessary to get a full tally of that new spend to judge if you get out of pop-up jail or not.

It's a good question. If you can use like 3 or more perks on the card, then I'd say it would be worth it. Of course, you have to deal with that $25 dining credit, but at least it's a pretty flexible one!

@@TheCreditFrog I think it's going to be the year of the Hotel credit card for me in 2024

Oh man, bringing back some old memories for me! I remember seeing my parents using their credit cards at stores and this was a super common practice back then. It's a relic of the past!

Yes, but you should wait to have it show up in your account before you PC to the Ritz, just to be safe.

The 48-month timer starts after receiving the cardmember bonus. This is found in the offer terms. In your case, that means it's 48 months from May.

Pretty sure it won’t be canceled!! But I’m happy that it’s going full metal. Although some people have reported that it’s the same card.

Awesome! The Boundless is a great card on it's own, but also is a great choice for PC'ing to Ritz Carlton. Sometimes there are elevated welcome offers on the Boundless so keep an eye out for those too!

@@TheCreditFrog thanks for the helpful tip! I also have the Marriott Bonvoy from Amex (used to be SPG) since 2019. I don’t think that will be a problem to get the bonus since it’s been almost 5 years.

Does the points from Marriott Chase and Amex combined into one account?

@@tdo2952 Yes! They both pool into your Bonvoy account, which you can access on the Marriott website.

That's a good question to ask RJ. I'm not well versed in that use-case for minimum spend!

LAX is one of those weird airports that has a lot of lounges, but they're not easily accessible since LAX hasn't completed it's people mover project yet so a lot of terminals are just simply not accessible to the other. Ultimately, it's going to depend what airline you fly on. For domestic, United has United Explorer/Club cards, which work well as well as AA Executive card for Admirals club lounge access. The Delta cards/Platinum are good for SkyClubs and the Centurion lounge in Tom Bradley, with the caveat the SkyClubs are losing unlimited access on the Delta/Platinum cards soon and the Centurion lounge is hard to get to, unless you're taking an international flight out of TB terminal. I'll be honest, I try to avoid LAX as much as I can because the surrounding regional airports are a much nicer, less stressful experience!

I'm not completely sure about this, but I would bet that buying points (even IHG points) would not count towards the elevated multiplier on the card.

Love that card! Appreciate it, my friend!

ok

Those are some great recommendations for traveling abroad! Unfortunately, I have none of these 🤣. I guess I have my work cut out for me!

@@TheCreditFrog 😂😂

Haha! You can win by an inch or a mile. Winning is winning!

🤣🤣🤣🤣

Oh really? I'm actually surprised to hear that Daniel! I know they stopped doing hard pulls on CLIs, but I still thought every credit card application resulted in a hard pull! I haven't applied for a personal Chase card in a while though so maybe this has changed as well. Very cool you're working on the premium Marriott 4 card setup! I'm pretty sure the RC card is going to be available for the near future, and you'll definitely be able to get the welcome offer on the second Boundless card as long as you wait 24 months after you get the welcome offer on your last Amex Bonvoy card (and also have waited at least 24 months since your first welcome offer on the Boundless card)

@@TheCreditFrog They did a hard pull on my Chase Boundless I applied for in mid-December. Yet again, in the credit card world, it's always YMMV, everyone is kinda different in this case.

Hi Jim! So yes, in this situation, what you would need to do is product change that CFU to another card (could be CFF, CF, or even CSP/CSR, but prob not the best move to go up). They should allow her to have 2 CFFs. As she has never had a CFU welcome offer before, the only thing restricting her from getting a CFU welcome offer is if she is a "current cardmember of [the CFU]." Once she PCs, there should be no more issues! 👍

Thank you!@@TheCreditFrog

@@livesayjd Of course Jim! And thanks so much for joining the membership!

You're welcome! You've quickly become my favorite credit card KZfaqr since I discovered you. :) @@TheCreditFrog

Update: today my wife product changed her CFU to a Freedom card. We decided to ask for a change to the Freedom vs. another Freedom Flex, because we didn't really need the additional benefits of another Flex, and the regular Freedom gives us the additional $1,500 of category spending per quarter. Plus, importantly, it will be easier for us to distinguish between the two cards this way. :) Anyway, question for you: how long do you think we need to wait now before applying for a new Freedom Unlimited for her? 24 hours? 48? etc. (FWIW, the card is now showing as a Freedom in her online account). Note: her statement date on the CFU now Freedom card is actually today, January 2nd. So by tomorrow we should have a statement on that card. Thanks!@@TheCreditFrog

Hahaha!! Great quote! The metric system makes too much sense. This is America! 🇺🇸

Yeah, I agree with that! In certain situations, having some overlap can be good! Especially if there are category limits or you just want to have the flexibility to earn different flexible point currencies. It's definitely dependent on what you're looking for!

@@TheCreditFrog The different flexible point currencies is what I was thinking. Transfer bonuses are often the best way to get maximum value.

Probably the best way to go 🤣

Had to. I think the only way the Ritz Card goes away completely is if Chase Lost ALL of Marriott. I know the IHG contract is up next year, no idea when Marriott’s agreement ends…but Marriott cards are just weird structurally. Huge advantages, weird rules and multipliers.

That's for sure Matt! Like I said in the video, I think Chase wants to keep this card open, and it's definitely a niche card since not everyone would benefit from Ritz perks, but because of the AF, 85k FNA situation, it actually turns out those features alone make this card incredibly desirable!

You definitely are not last! 🤣

Disqualified!!

Congrats Ahmad, you are FIRST today 🥇

@@ItsMeCJ Per the rules, technically CJ is right...

@@TheCreditFrog 😃😃

I beat you by 5 seconds 😱

@@AhmadKhwajazadayou edited your comment, so you’re disqualified 😂

@@ItsMeCJI misspelled first and added extra letters so I just got rid of them, if anything I typed more than I should have

Almost CJ! 🥈

Posting first is the most important! Even if you type adfaefaseg