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Broseph
United States
Приєднався 26 кві 2024
Hey my name is Broseph & I'm here to provide the latest information on all things credit cards, award travel and personal finance in a way that’s easy to understand. Join me on my journey as you start or continue yours!
Top 3 Credit Cards for Online Shopping in 2024 | Holiday Shopping Done RIGHT
Looking for the best credit cards for online shopping in 2024? In this video, I take you through the top 3 credit cards that offer the best rewards, cashback, and perks for online shoppers. Whether you're looking to earn more points, save money, or enjoy exclusive online discounts, I've got you covered.
Discover which cards provide the highest rewards for your favorite online retailers, how to maximize your savings, and what makes these credit cards stand out in today’s market. Don't miss out on these amazing benefits-watch now to find the perfect credit card for your online shopping needs!
🔑 In this video:
The 3 best credit cards for online shopping in 2024
Key benefits and features of each card
How to maximize rewards & cashback for online purchases
Tips for choosing the right credit card for your shopping habits
Discover which cards provide the highest rewards for your favorite online retailers, how to maximize your savings, and what makes these credit cards stand out in today’s market. Don't miss out on these amazing benefits-watch now to find the perfect credit card for your online shopping needs!
🔑 In this video:
The 3 best credit cards for online shopping in 2024
Key benefits and features of each card
How to maximize rewards & cashback for online purchases
Tips for choosing the right credit card for your shopping habits
Переглядів: 236
Відео
Credit Cards EXPLAINED: Everything You Need to Know to Avoid Debt!
Переглядів 6921 годину тому
In this video, I dive into the world of credit cards and reveal how they really work, from the basics to pro tips! If you've ever wondered how interest rates, rewards, or credit limits are calculated, or how to maximize your benefits without falling into debt, this video is for you. We'll explain credit card terms in simple language, provide examples, and guide you on how to use credit cards re...
How to Freeze Your Credit with TransUnion | Step-by-Step Guide
Переглядів 30День тому
In this video, I'll guide you through the simple process of freezing your credit with TransUnion, one of the top credit bureaus. A credit freeze is an essential step in protecting your identity and preventing unauthorized access to your credit report. Whether you’re concerned about identity theft or just want to boost your financial security, this guide has got you covered. Here’s what we’ll ex...
Score Big: Chase Credit Cards with Elevated Avios Bonuses!
Переглядів 12214 днів тому
In today's video, I take you through Chase's three credit cards that earn Avios that can be redeemed on Iberia, Aer Lingus and British Airways flights. With elevated welcome bonuses across all three cards and perks specific to each card, I explain everything you need to know about these cards. If you're looking to possibly open a new credit card, learn more about these credit card offerings or ...
BIG Changes to Amex's Uber Cash benefit
Переглядів 69621 день тому
In this video, I dive into the significant changes coming to the American Express Uber Cash benefit, effective November 8, 2024. Previously, users could simply enjoy a credit to their Uber account and pay any balance with their preferred card. However, with the new update, you'll need to select your American Express card as the payment option to cover any charges exceeding the $10 or $15 credit...
1 Month with the Wells Fargo Autograph: My Experience & Insights
Переглядів 37421 день тому
In this video, I share my honest experience with the Wells Fargo Autograph card after using it for a full month! Join me as I dive into the key benefits, any challenges I've faced, and whether this card lives up to the hype. 💳 What You’ll Learn: The rewards structure and how I’ve maximized my points My favorite features of the Wells Fargo Autograph card Any potential drawbacks or surprises Tips...
Chase Sapphire Preferred: $300 + 60k Welcome Bonus & Must-Know Perks! (2024 Guide)
Переглядів 25228 днів тому
Looking to maximize your rewards with the Chase Sapphire Preferred? In this video, I’ll break down everything you need to know about the elevated welcome bonus, how to qualify, and the top benefits this card offers in 2024. From travel rewards to dining perks and more, the Sapphire Preferred is a must-have for savvy travelers and those looking to earn serious points on everyday purchases. This ...
Unlock the Best: Marriott Bonvoy Boundless Card’s Record Welcome Bonus
Переглядів 358Місяць тому
Unlock Travel Rewards Like Never Before! 🌍✨ In this video, Idive deep into the Marriott Bonvoy Boundless Credit Card, highlighting its historic welcome bonus that offers more points than ever before! Whether you’re a frequent traveler or just starting to explore the benefits of credit card rewards, this card could be a game changer for your travel plans. Don't miss out on this incredible opport...
3 Stocks That Thrived in 2024 and Will Shine in 2025!
Переглядів 157Місяць тому
In today’s video, I dive into three standout stocks that have not only performed exceptionally well in 2024 but are also positioned for incredible success in 2025: Netflix, General Electric, and Spotify. 📈 What You’ll Learn: - Netflix: Discover how this streaming giant continues to innovate and attract subscribers, driving revenue and growth through its newest subscription ad-tier. - General El...
EVERYTHING you need to know about the NEW Virgin Red Rewards Mastercard
Переглядів 206Місяць тому
In this video, I take a look at the newly release Virgin Red Rewards Mastercard and dive deep into everything you need to know! From incredible rewards and benefits to travel perks and sign-up bonuses, I cover all the essential features that make this card one to think about for savvy consumers. Whether you’re a frequent traveler, a savvy shopper, or just looking to earn rewards on everyday pur...
Amex Delta Gold: An Underrated Travel Card with a Huge Sign-Up Bonus!
Переглядів 210Місяць тому
In this video, I dive deep into why the Amex Delta Gold Card is one of the most underrated travel credit cards on the market. With a huge sign-up bonus and a host of incredible benefits, this card is a must-have for frequent travelers and occasional jet-setters alike! 🔍 What You'll Learn: - Key features and benefits of the Amex Delta Gold Card - How to maximize your sign-up bonus - FREE Checked...
Top Balance Transfer Credit Cards for 2024: Save on Interest!
Переглядів 124Місяць тому
Looking for the best balance transfer credit cards in 2024? In this video, I break down the top picks to help you save on interest and get out of debt faster! I review the following cards: - Wells Fargo Reflect: Enjoy an impressive 0% intro APR for up to 21 months on balance transfers with no annual fee! - Citi Simplicity: Known for its long 0% intro APR period and no late fees, this card is pe...
Chase Trifecta Explained: Maximize Rewards with the Ultimate Chase Card Combo!
Переглядів 215Місяць тому
Unlock the full potential of your Chase credit cards with the Chase Trifecta! In this video, I’ll break down how to strategically combine the Chase Sapphire Reserve, Chase Freedom Unlimited, and Chase Freedom Flex to maximize your rewards and earn more cashback, points, and travel benefits. 🔍 What You'll Learn: - What is the Chase Trifecta and how it works - How to combine points for maximum va...
Federal Reserve Lowers Interest Rates in 2024: What You Need to Know
Переглядів 101Місяць тому
In this video, I break down the Federal Reserve's recent decision to lower interest rates and explore its far-reaching impacts on the economy. You'll learn why the Fed chose to reduce rates, how this move affects loans, mortgages, and everyday consumer spending If you're curious about how the Federal Reserve's actions might influence inflation, your personal finances, and the broader market, th...
How to Freeze Your Credit with Equifax | Step-by-Step Guide to Protect Your Credit Score
Переглядів 110Місяць тому
Protect your financial future with this easy step-by-step guide on how to freeze your credit score with Equifax. In this video, I’ll walk you through the process of securing your personal information by placing a credit freeze with one of the major credit bureaus, Equifax. A credit freeze can help safeguard your identity and prevent unauthorized access to your credit report. Whether you're deal...
Is the Bank of America Premium Rewards Elite Really Worth $550? My HONEST Review
Переглядів 659Місяць тому
Is the Bank of America Premium Rewards Elite Really Worth $550? My HONEST Review
Watch Me Apply for the Capital One Venture Credit Card | Step-by-Step Guide & Approval Tips
Переглядів 1,1 тис.Місяць тому
Watch Me Apply for the Capital One Venture Credit Card | Step-by-Step Guide & Approval Tips
NEW U.S. Bank 4% Cash Back Credit Card! This is NOT a Drill!
Переглядів 1 тис.2 місяці тому
NEW U.S. Bank 4% Cash Back Credit Card! This is NOT a Drill!
Capital One Venture X: The Best All-Around Travel Credit Card for 2024 | Top Benefits & Rewards
Переглядів 3792 місяці тому
Capital One Venture X: The Best All-Around Travel Credit Card for 2024 | Top Benefits & Rewards
Walmart+ & Burger King Team Up: Exclusive Amex Platinum Benefits Revealed!
Переглядів 1622 місяці тому
Walmart & Burger King Team Up: Exclusive Amex Platinum Benefits Revealed!
What Is Financial Wellbeing? Steps to Secure Your Financial Future
Переглядів 132 місяці тому
What Is Financial Wellbeing? Steps to Secure Your Financial Future
I Cancelled My Amex Green Card: What Made Me Drop This Popular Card?
Переглядів 2462 місяці тому
I Cancelled My Amex Green Card: What Made Me Drop This Popular Card?
5 Essential Life Goals to Achieve Before 30 for Success
Переглядів 382 місяці тому
5 Essential Life Goals to Achieve Before 30 for Success
3 Credit Card Companies to AVOID: Credit One Bank, Aspire & Avant EXPOSED!!
Переглядів 1122 місяці тому
3 Credit Card Companies to AVOID: Credit One Bank, Aspire & Avant EXPOSED!!
Best Student Credit Cards 2024: Discover, Capital One, Citi
Переглядів 662 місяці тому
Best Student Credit Cards 2024: Discover, Capital One, Citi
Top 3 Most Exclusive Credit Cards to Get: Amex Centurion, JP Morgan Reserve & Citi Black Chairman
Переглядів 2512 місяці тому
Top 3 Most Exclusive Credit Cards to Get: Amex Centurion, JP Morgan Reserve & Citi Black Chairman
WATCH ME APPLY: Wells Fargo Autograph Journey Credit Card
Переглядів 7272 місяці тому
WATCH ME APPLY: Wells Fargo Autograph Journey Credit Card
Is the Apple Card Worth It in 2024? Pros, Cons, and Everything You Need to Know
Переглядів 3693 місяці тому
Is the Apple Card Worth It in 2024? Pros, Cons, and Everything You Need to Know
Top 3 Stocks to Buy in 2024: Amazon, Microsoft, & Apple
Переглядів 403 місяці тому
Top 3 Stocks to Buy in 2024: Amazon, Microsoft, & Apple
Federal Interest Rate Pause Continues: What It Means for Your Wallet in 2024
Переглядів 983 місяці тому
Federal Interest Rate Pause Continues: What It Means for Your Wallet in 2024
Will we still have the option to choose having separate cards for our accounts if we prefer? Hopefully this will not be a mandatory thing, is it?
Great video
Thank you, appreciate the support 🙌🏼
Couldn't finish because of the poor audio. Thanks tho 👍
Yea that four times a month rule is what caused me to cancel the Bilt card.
100 subs! Congrats! Appreciate your content!
Thank you, appreciate the support!! 🙌🏼
Around 2 min there’s an annoying shuffling sound. I’d remove that. Makes it unbearable to watch: listen
Cool video, I was thinking about getting one of the Amex cards. It sounds like there's something scratching in the audio which makes it a bit hard to listen. Otherwise interesting change
I just got approved for this card. Going to try it out then I’ll make a video for it. I sub to you to help you grow if you don’t mind doing the same. Keep up the good work!
So many other cards out there that have much better multipliers. Chase is behind the times. The ONLY thing they have is the portal boosts and Hyatt.
Totally agree, really selling point for me is travel bonus SUB and portal multiplier They do have some travel transfer partners that I like (Southwest/United) which my other cards don’t have, so give and take with it but given my current setup just not enough value for me 🤷🏻♂️
can i use the $300 credit while im earning the bonus, or is it after the $4,000?
Great question- the T&C shows that the $300 credit states it’s good from 1 year of account opening, so safe to say it’s possible to use while earning the bonus!
Which do you prefer delta or SW ?
Honestly both are great airlines- unfortunately neither are hubs around me. Love Southwest for checked bag/ open seating policy as I’ve never been one to chase status…tend to fly whatever is most convenient for me. But on the other hand, Delta is great both domestic and globally. I tend to travel more internationally so lean towards delta for reasonable Comfort+ prices, lounge access across a ton of hubs and global partnership with other airlines (SkyTeam Alliance)
Two things about the Premium Rewards Elite: The highest tier for earnings (the 75% bonus) only needs Platinum Honors ($100k with BoA/Merrill), which is significantly less than he $1M needed for Diamond status. The other thing is that BoA allows you to redeem for airfare at a 20% discount (basically a 25% bonus) when redeeming through their portal, essentially making this a 3.28 cents everywhere/4.375 cents on travel/dining card for a Platinum Honors customer redeeming for airfare through the portal. Also keep in mind that the travel credits are per calendar year, so in your first year you're actually getting $900 in statement credits ($300 in airline credit and $150 in lifestyle credit, which both reset on Jan 1) not to mention the 75,000 mile signup bonus which is worth $937.50 (if redeemed for airfare through the portal). After accounting for the annual fee, that's $1,287 in value for the first year (when redeeming for airfare through the portal) not including the value of the points actually earned on the spend, or any bonus for Premium Rewards status.
The 125k offer is good , but the best offer was the 5 free nights.... those i got 250 k. Value from.....even including some ritz carltons
Yes, totally agree!! There was a recent offer for 5NF that ended 10/16 for the Bonvoy Business card, so hoping it'll come around on the Consumer card soon!
Is it possible to upgrade to the Venture X from the Savor One? I got the Amex Gold so there’s some repetition in my setup right now. And I rather not get a triple pull from Cap1 lol
Certainly worth it for the first year! I’m going to apply for it near the end of the promotion period. After the first year, do they offer an upgrade deal to the Platinum? I think I’d rather upgrade after my $0 AF year is up Also thanks for these videos. One of the most clear and to-the-point channels I’ve found!
Thank you for this information. I am one who's looking for a good btc. Just got approved for the Discover it, but the avl amount was low. I may look at adding that Citi card to my line up.
I don’t do Basic Economy because i always get stuck in a crappy middle seat when I buy BE, and I don’t get access to the SkyClub.
1. Why was I denied access on the Sky Lounge today? 2. I reviewed my benefits and AFAIK, I’m still a DRC holder. 3. SkyLounge worker said “You have a basic economy ticket “ 4. It doesn’t explain in your website that basic economy is unacceptable. 5. I called CSR and he said “You need to have a physical card with you”. 6. Not true- The Sky Lounge worker checks their phones. 7. Clarification done with the worker, verbalized that “It was because of my ticket” even if I have the Delta Reserve Card. 8. Other customers were denied access too.
You should of applied for the venture X
Had thought about it, but currently paying over $1k in annual fees and Venture had the 75k + $250 SUB. May go that route in the future, but for now meeting that SUB for a honeymoon trip soon 🤞🏼
Just got the card!
The Wells Fargo Autograph card has been out for a few years now.
Congrats! Don't anger them. I had this card and cancelled after paying the fee for a few years. They are BIG mad at me. 820 credit score and debt free and they still wont approve me for another.
Hello sir Please, can you tell us what your credit score was? With all the credit bureaus? how many NEW ACCOUNTS IN THE LAST 2 YEARS? How many HARD INQUIRIES IN THE PAST 2 YEARS? And thank you
Facts
Facts
Good job
Fair, good, excellent credit?
The Venture Card is a excellent credit tier credit card.
In the fine print it talks about how the cashback will also be able to be used as points! I’m curious to see how that will work paired with the Connect and Go
I am ready to do PC from Go to this card! Nice video
Which credit bureau did Wells Fargo pulls from?
Equifax for me, but have seen data points of individuals getting pulls across any of the main 3
Active Cash + Autograph + Attune = WF trifecta
💯
No foreign transaction fee, too.
Yes!! Definitely an underrated embedded benefit for sure!
This month (August 2024) I canceled my credit one and fortiva account. Only lost a total of two points towards my fico score and open the citi custom cash with a $8,600 limit.
Chase Freedom Rise?
A really solid entry level card which is good for general 1.5% cash back so really comes down to how people would spend (if they're even looking for specific earning categories)...may have to make a part 2 on this!
@@FinanceBroseph I personally would still recommend the Discover It to the beginner. But if someone new to credit cards knew they were aiming for aspirational travel, the Chase would probably be better. At the end of the your first year, the Rise automatically updates to a Freedom Unlimited as well. You don't get the sign up bonus, but it's a quick way to get the Chase trifecta with fewer hard pulls. Thanks for the video, and I look forward to seeing more!
I been an Expedia traveler for years. So this card is a no brainer for me. I'm working rewards from another card now.. This for sure is my next no fee card. How can anyone that uses Expedia pass on the $400 credit.
Great breakdown
Thank you- appreciate the feedback!
I’m tempted to get this card now
I didn’t like it. I changed back to the Rose Gold.
🔥
💯💯
Not too many people talking about the Bold, but there's value there if you're not concerned with the opportunity cost.
Totally agree- there's a ton of value in this card (obviously less when compared to a higher Annual Fee card) and if you're just looking for a way to get into the Marriott ecosystem, is a solid option
dumb analysis, good luck with coupon book
Seriously how are they with Internet sales?
Great question- in Q2 2024, they reported ecommerce sales being up 20% YoY, largely driven by increased app downloads (up 32% YoY), site traffic (up 16% YoY) and overall order value (up 8%). I think that as we enter rate cycle decreases later this year and inflation (hopefully) continuing to slow, there should be more discretionary income spending, which could lead to continued growth both through ecommerce and in-store to help drive overall increase revenue.
Yeah, I'm taking investing advice from a channel called Broseph. Lol
But 47 Subscribers!
Great recommendation, will be looking into Costco more!
I would get an effective annual fee after the Dunkin, GrubHub and Uber Eats credits of $1 a year after using all the credits. The Resy restaurants where I live according to Resy on their website are all in Fort Myers. I have till next March 14 before it goes up to $325 for me as well.
This card is very unpredictable. I tried it on Uber even though its listed on their site as an example. It didn't work. I tried it at a nursery and steam purchase and it didn't work. It all depends on how its coded in the system. Sportsman Warehouse, Disney +, Apple TV and my hair cutter worked. I would like to use it on a ski pass, but not sure it will work.
Oh wow, sorry to hear you've run into issues!! I've seen/ read that other people are having similar issues at merchants such as Etsy which is literally listed as an example in the earning categories. It'll be interesting if they work through updating their issue or they place it fully on the merchant for how these transactions are "coded".
I have the card and the best part for me in the 2x 10k lp boost. This is the BEST card for people chasing AA status.
Card is definitely helpful for that- if I lived near a AA hub, would probably be flying them exclusively!
What is the 2x 10k lp boost ? Can you give me more detail. I live near an AA hub and only way to get cpp is the BILT card which i dont have
Good to see another new creator. Subscribed! We gotta stick together!!!
Waist of time
Just subscribed I respect the hustle. Keep up the good work!
Thanks for the sub- appreciate it!