NEW Amex Gold Card - HUGE Update
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Quitting My Job Changed My Life
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@braziliangator
@braziliangator Сағат бұрын
I do fidelity, amazon, and costco. Gives me close to 3% weight average cash back
@jreyking17
@jreyking17 3 сағат бұрын
I've only had the Amazon/Chase credit card for the longest, how would I actually go about trying to move up to a new level? Just apply to a higher level credit card?
@vineetgangadharan1764
@vineetgangadharan1764 10 сағат бұрын
This man has absolutely NO IDEA how many lives he’s changing. We need educators like you in our world🙌 thanks you !
@thetroothhurtz
@thetroothhurtz 14 сағат бұрын
AMEX Fees are a SCAM!!!!!
@DeadlyBrianX
@DeadlyBrianX 15 сағат бұрын
Should mention that if you're very responsible with the Chase Freedom Rise card, they will upgrade you to Freedom Unlimited. Not sure if that is an exclusive offer, but I have about 3 more months till my upgrade!
@michellelam6561
@michellelam6561 15 сағат бұрын
New sub here. I am enjoying your content. Discover was my first card some 30 years ago (currently it is my supplemental card). Currently, I am looking for a card with better multipliers. Thinking about either the Chase Unlimited or Flex to start the Chase trifecta. Somewhere down the road I will probably get the Preferred since I want to travel more. Thanks for information.
@gilliangrisham4791
@gilliangrisham4791 17 сағат бұрын
Premium Travel. Just getting into all this. Looking to slow travel as a digital nomad. Your videos have been most informative. I have a Sapphire card and squandered the bonus. I'm considering the other 2 and keep my Sapphire. I guess my deciding factor will be partner transfers. That will take a bit of research on which will be best. Moving from Philly area to Orlando area. That will influence my decision. I will have to consider airlines out of airports down there.
@108stitches6
@108stitches6 18 сағат бұрын
Apple Card has been my favorite card. I’m getting 2-3% on everything. Not sure how people mess this up so easily.
@CalebKendrick-ok3dj
@CalebKendrick-ok3dj 18 сағат бұрын
With the recent data breach, are you concerned about your ssn getting stolen and your credit messed up? Should we freeze our credit?
@Thehubb1
@Thehubb1 19 сағат бұрын
Amex Lounge is planned for the new Ohare renovation!
@favianromero7023
@favianromero7023 19 сағат бұрын
How long should I stick with the card until I apply for next one
@yDoUevenTry4
@yDoUevenTry4 22 сағат бұрын
i have great credit already but im starting to travel more and looking to best optimize my cards and what i use my cards for. typically its eating out/bars/restaurants, online shopping and traveling/airbnb/flights Current 2 cards in my wallet: Amex blue cash for online purchases Chase saphire preferred for travel
@f.rancooo
@f.rancooo 22 сағат бұрын
How do you have so many points though? I’m assuming you’re spending just as much as you travel.
@chrisjay1111
@chrisjay1111 Күн бұрын
Since I switched to SoFi, I have not looked back 💪🏼 hit every tier and I love every 1st of the month 😂 only downside is cash deposit, but I rarely see cash so 🤷🏼‍♂️ f*** BofA 🤦🏼‍♂️ closed everything with them
@ShihabAlvi
@ShihabAlvi Күн бұрын
I went from discover it secured 200$ to unsecured 1800$ than to chase freedom unlimited with 2500$ than to the amex gold i think i can spend upto 15k on that and 740 credit all in 8 months no credit before am i going too fast?
@jaydenperez6298
@jaydenperez6298 Күн бұрын
I got the quicksilver from credit one with a 39 annual fee is it good and I am planning on changing it to the savor one after a year
@idcHedumpedme
@idcHedumpedme Күн бұрын
A humble Elite high level channel/creator dude❤❤❤
@trevormone767
@trevormone767 Күн бұрын
Serious question…why do so many people bother making the Chase Trifecta? You can have the Chase Freedom Flex and the Sapphire Preferred or Reserve and you get everything in the trifecta except for 0.5 catch all points that you would get with the Freedom Unlimited. 0.5 isn’t that big of a deal and it’s fewer credit cards to think about and one less inquiry on the report.
@sjg6158
@sjg6158 Күн бұрын
Off topic about the Bilt Card, but I am very curious if it does eventually come through that we can use it for mortgage payments and earn if nothing else, points for transferring out to Hyatt, etc. Of course, if the answer is yes, some other benefit likely will go. I am very interested in seeing what happens.
@sjg6158
@sjg6158 Күн бұрын
I think you nailed it, but the most important tier is tier 1. That's what sets one up for either success or failure. You need that water under the bridge and good start to get it going. Well done Dan
@LLSniper
@LLSniper Күн бұрын
Currently using a Fintech but may switch, curious about why BMO didn't make it to this list, crazy high rate with unlimited transactions and no fees?
@shockjock35
@shockjock35 Күн бұрын
I got a Savor One from Capital One. Later,They offered me a product change to the Quicksilver which I accepted because I thought it was better but I’ve noticed it’s not. How can I change it back or should I request an upgrade to the Venture
@gruhby9546
@gruhby9546 Күн бұрын
What watch are you wearing? Looks very clean
@delias17
@delias17 Күн бұрын
Hi Daniel, I’ve been watching your videos for a long time and you’ve helped me out tremendously throughout the past year. I currently have the Amex Gold and was also wanting the Venture X, however I did not get pre approved for it. I make all my payments on time and have a 750 credit score. Any idea why I got denied for the Venture X? I’ve heard a lot of people have the same issue.
@lawrencelim9331
@lawrencelim9331 Күн бұрын
Hey Daniel, love your videos. Been binging them as I’ve been getting more into credit cards. Would love to see more content on business credit cards if possible! It might be more complicated but I’d love to learn more from you and your network about smart business credit card choices for startups and small businesses. Maybe interview format too?
@Rowdyyy_rod
@Rowdyyy_rod Күн бұрын
CSR has a coupon book style too though. I love the card. I have it. Once you get past the $300 credit, you have to find ways to claw back the remaining $250 which includes DoorDash monthly credits just like Amex.
@fps197
@fps197 Күн бұрын
I just got upgraded automatically to chase freedom unlimited after being on the beginner freedom rise for a year, what’s next? I care about cash back, not much travel. This is the only cc I hold. Any suggestion would be greatly appreciated!
@coffeecat247
@coffeecat247 Күн бұрын
Dude this is awesome. I didn’t know about the points calendar on hyatt and have always found it so annoying trying to figure out dates. Thank you!
@Daniel_Braun
@Daniel_Braun Күн бұрын
Thanks for watching, glad it was helpful!
@basmo6803
@basmo6803 Күн бұрын
I'd like to see a video on the mathematics of why pursuing travel cards that get devalued regularly is better than cash back
@Daniel_Braun
@Daniel_Braun Күн бұрын
Good idea, I'll break it down with the math in a video! Cash back has a floor value and no upside (can still be good though when optimizing the spending categories at 3-5% back). Cards that earn flexible bank bank points have more upside if you know how to redeem them and can be flexible in travel plans (but not everyone wants to do this or learn this which is understandable).
@goku48071
@goku48071 Күн бұрын
Soon I'll be opening 12 start saving to pay off some loans that I have, I'm actually going to be using Capital one, and there's 1 very good reason they have bank cafes that I can physically go to. That's about 30 minutes from my house. Because I don't want to touch the money. I don't want online banking because that is a feature for me.Because it means i'm going to touch the money less.There's an operating fee to get to the money, and that is going to help me separate it
@Bangpaulxu
@Bangpaulxu Күн бұрын
Appreciate your videos man! 🙏🙏🙏
@Daniel_Braun
@Daniel_Braun Күн бұрын
Thanks for watching, appreciate the support!
@billwright2176
@billwright2176 2 күн бұрын
Why is the platinum rated above others??? It's not prestigious or a good card for most the people who have it
@Daniel_Braun
@Daniel_Braun 2 күн бұрын
It’s not rated above others - the annual fee is just higher and there’s more potential benefits. Thats sort of the idea with the credit card ladder and this video - as the annual fees increase, so do the potential benefits and value. But also the potential market gets narrower because not everyone will find the card good for their situation, like you said
@soapa4279
@soapa4279 2 күн бұрын
Bilt is still a great entry level "travel" card even with all the recent devaluations. You can also redeem points at 1.25CPP through their portal, and even redeem it for activities like Disneyland tickets. And of course, if you pay rent, it's a no brainer card.
@austinbailey5322
@austinbailey5322 2 күн бұрын
Do not get a Truist secure card. It was my first credit card and I’m going on 3 years of them not graduating me up to an unsecured card. They just keep taking my $20 every year. Since then, I have got the CSP trifecta and Bilt credit card
@jok280
@jok280 2 күн бұрын
Only too me two years but I’m at the top
@Daniel_Braun
@Daniel_Braun 2 күн бұрын
Great to hear! It doesn't take too long which is good
@grivello
@grivello 2 күн бұрын
This is a really good explanation of a very complicated topic. Thank you!
@Daniel_Braun
@Daniel_Braun 2 күн бұрын
Thank you! Glad you liked it 👍
@zerokool327
@zerokool327 2 күн бұрын
Love these kind of videos. Crazy how I’ve been doing credits cards all wrong for so many years. Because of videos like yours, I applied for the bilt Mastercard over a month ago. Approved and been digging it so far. I think once I’m ready to move on from my discover card (even though they have been great to me) might go Amex blue or chase sapphire. But at the moment bilt is working wonders
@erikk1242
@erikk1242 2 күн бұрын
Me currently I’m currently on a beginner card I have a secured card with my local bank and got recently approved for the CFF and am looking into getting the CFU when I can. I really want to utilize the chase trifecta for traveling to help with a few of the expenses. I’m not sure if going for the BILT card once I get the CFU or wait and get the CSP? I rent so I feel like it would be more beneficial but I am also looking to travel next year in the summer. So I don’t know what would work better.
@Daniel_Braun
@Daniel_Braun Күн бұрын
I'd look to go with the CSP first because you can get the sign up bonus of at least 60,000 points after $4,000 of spend. If you're rent was $2,000 per month, you'd have to pay rent for 30 months to earn the same 60,000 Bilt points (obviously the higher your rent, the more valuable Bilt becomes). So Bilt is a nice card to add after going for Chase cards - but I'd prioritize Chase and Capital One first in my opinion
@giovannydeleon7191
@giovannydeleon7191 2 күн бұрын
Amazing video I wish I saw this earlier I just turned 19 not that long ago and I was applying for chase but before hand I applied to other places and I wonder why they denied me.
@Daniel_Braun
@Daniel_Braun Күн бұрын
Thanks for watching! Yeah it just takes some time to build up a solid foundation to climb the ladder
@mingyuwang6638
@mingyuwang6638 2 күн бұрын
most unbiased credit card content KZfaqr
@Daniel_Braun
@Daniel_Braun Күн бұрын
Always my goal! Thanks so much!
@fiftysixscgex
@fiftysixscgex 2 күн бұрын
this is my super bowl.
@Daniel_Braun
@Daniel_Braun Күн бұрын
Me too, I love making videos like this haha
@tamarakopteva7483
@tamarakopteva7483 2 күн бұрын
Can anyone confirm if the cards that have multipliers on gas and grocery work at places like Sam's Club and Costco? From what i've read, I don't think those places are eligible.
@erikk1242
@erikk1242 2 күн бұрын
Most cards that are grocery stores don’t work on superstores like Walmart and target but most work on supermarkets. It really depends what they categorize their business as. For gas I use Sam’s and it does work as long as you have the cc linked to the sams mobile app and use it at the gas pump I don’t have Costco but I imagine it’s the same
@Daniel_Braun
@Daniel_Braun Күн бұрын
Ususally wholesale clubs don't code as grocery stores - not sure about gas for Sam's Club specifically
@tamarakopteva7483
@tamarakopteva7483 Күн бұрын
@@Daniel_Braun What do you think about the Sam’s Club Mastercard if I can’t get good returns from this retailer with other credit cards? Doesn’t seem bad with 5% back on gas and club purchases, just wanted your input.
@gsand2892
@gsand2892 2 күн бұрын
How many months should I build up my credit history with while using card 1 (my Discover It), before I apply and get card 2??
@jaircaro5806
@jaircaro5806 2 күн бұрын
Usually is recommended to get another credit card after 6 months of use with your first credit card. Your credit history would then average between both credit cards.
@Daniel_Braun
@Daniel_Braun Күн бұрын
I'd say 6-12 months, whatever you're comfortable with. Focus on building good habits with card 1 more than anything else, and then eventually move on to better cards in year 2
@gsand2892
@gsand2892 Күн бұрын
@@Daniel_Braun Okay thank you for the advice! I’m actually in my third year with this discover card and no missed payments. Could I make the move? Would it hurt my credit?
@Daniel_Braun
@Daniel_Braun Күн бұрын
@@gsand2892 yeah you can definitely go for the next card if your score is good with that credit history! Applying will lead to a hard inquiry and a temporary small drop in your score that goes away very quickly, and I’ve got some more video about credit score on my channel that you can check out about that 👍
@gsand2892
@gsand2892 Күн бұрын
@@Daniel_Braun thank you so much!
@ronaldhu3zo
@ronaldhu3zo 2 күн бұрын
My GF was Pre selected with a 90k SUB via mail (only has one credit card and no chase relationship ) I told her that is the best offer yet 😂 so now we’re almost done with the Minimum spend bonus !
@Daniel_Braun
@Daniel_Braun Күн бұрын
That's awesome! For the Sapphire Preferred I'm assuming?
@ronaldhu3zo
@ronaldhu3zo Күн бұрын
@@Daniel_Braun yes! I just noticed that haha.
@karstenfabian6441
@karstenfabian6441 2 күн бұрын
Your editor does such a great job on these videos. I am learning so much from your account recently!
@Daniel_Braun
@Daniel_Braun Күн бұрын
Thank you so much! Agreed, he is amazing and does great work to make the videos top quality!
@sergioramirez1693
@sergioramirez1693 2 күн бұрын
I’ve been getting offers from chase sapphire preferred an the business ink, capital one to get the venture and Amex offers for their gold/platinum/rose gold cards. Right now i have a chase freedom unlimited and an old capital one platinum card, idk what i should get next chase trifecta, Amex card or capital one venture card 😅
@Daniel_Braun
@Daniel_Braun Күн бұрын
Chase cards make sense to get first while under the 5/24 rule. Then you can try out that setup for a year to see if you like it while getting those bonuses - and later on you can expand to other issuers like Capital One next and eventually Amex if those cards make sense with their credits
@patrickcreel6690
@patrickcreel6690 2 күн бұрын
I have the venture x and savor one duo. What should I add on after as a 3rd card? I don’t rent so Bilt isn’t really worth it for me.
@coachmbbrown
@coachmbbrown 2 күн бұрын
I’ve personally explored options in expanding my card setups in different bank/transfer partner ecosystems. So maybe getting the Amex Gold (very strong for groceries/dining) or the Chase Sapphire Preferred (decent amount of spending multipliers) to expand your options for transfer partners since you’re only in Capital One’s right now.
@Daniel_Braun
@Daniel_Braun Күн бұрын
I'd say to move to Chase while still under the 5/24 rule to take advantage of that value next. Capital One and Chase are great to start with early on!
@lizettmorales1002
@lizettmorales1002 2 күн бұрын
Liked and subscribed!!!
@Daniel_Braun
@Daniel_Braun Күн бұрын
Thank you so much!
@Jokillah24
@Jokillah24 2 күн бұрын
There’s a lot of people that talk about credit cards now a days & you by far go in depth in the best way possible, you explain the credit cards and even your personal opinion, kudos to you sir!
@Daniel_Braun
@Daniel_Braun Күн бұрын
Thank you so much! I definitely try to go in depth and provide as much of my personal thoughts as I can, so I appreciate that feedback and support 👍
@Fredoom1473
@Fredoom1473 2 күн бұрын
Why did not you mention the Citi Costco Card?
@Daniel_Braun
@Daniel_Braun Күн бұрын
A fine Level 2 option to add for Costco members! I can't mention every card, and this is also a cash back focused card so there's less options with it compared to flexible point cards. Still a great card for gas, dining, and Costco!