The BEST Credit Card Trifecta You've Never Heard Of
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- Опубліковано 15 чер 2024
- Today, I'll be presenting a new and improved credit card trifecta setup that you’ve probably never heard of.
There are so many great credit card trifectas out there! Three seems to be the magic number for credit card setups, whether it be the Amex Trifecta, the Chase Trifecta, or some other Trifecta.
But with changing consumer habits and countless credit cards to choose from, new and improved setups can potentially get you more value than the tried-and-true cards of the past.
I’m sure many of you have noticed the increasing access of mobile wallet payments at your favorite retail stores, grocery stores, gas stations, and even some restaurants!
That’s because mobile wallets are a convenient way to leave our credit cards at home but still have access to them, just like we always have for our everyday purchases.
And since mobile wallets cover multiple categories, traditional credit card categories that we’re familiar with can be lumped into one single category, the mobile wallet category, this can be covered into a new category, the mobile wallet category!
Of course, mobile wallets aren’t accepted everywhere, and these exceptions will be how we choose the other 2 cards in our trifecta.
The first card in the trifecta is the US Bank Altitude Reserve card, where you get 3X points back for mobile wallet purchases. This includes Apple Pay, Samsung Pay, and Google Pay. These points can be redeemed using the Altitude Rewards portal or by using Real-Time Rewards for a redemption rate of 1.5cpp, totaling a value of 4.5X points back on your mobile wallet spending! This card does come with a $400 annual fee, but it has an easy-to-use $325 annual statement credit for eligible dining and travel purchases, lowering the effective annual fee to just $75.
The second card in the trifecta is the Bilt Mastercard. Some restaurants do not have the option to use mobile wallets to pay while dining in, or it may be inconvenient to do so, so we need a card with a great dining multiplier. This card earns 3X points back on dining, 2X on travel, 1X on rent, and 1X points back on everything else for no annual fee. The points can be transferred out to transfer partners for elevated value, most notably American Airlines and World of Hyatt.
The third card in the trifecta is the Paypal Mastercard to cover online shopping where mobile wallets are not accepted which gets you 3% cash back on Paypal purchases and 2% cash back on everything else for no annual fee.
What do you think of this Trifecta - is this something that you would use? Let me know in the comments below!
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Chapters:
00:00 Intro
00:30 Why THIS Trifecta
01:27 New Credit Card Trifecta
12:37 Outro
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Note: This description contains affiliate links, meaning that I may earn a commission if you click through these links and successfully apply, sign up, or buy the product or service mentioned.
Disclaimer: I am not a financial advisor, accountant, or lawyer, and as such, I do not provide financial, tax, or legal advice. This video, and any ideas presented in it, are opinions and are provided for entertainment purposes only. Please do your own research and consult your own financial, tax, or legal professional for specific advice.
#creditcard #usbank #bilt
Love that you're exploring alternatives to the normal setups! Overall, I think its a nice setup. I like that you included the PayPal card to cover expenses that aren't payable via mobile wallets. Nice video 🤩
Thanks Josh! Yeah, I was really excited to make this video and explore new options. I noticed my own personal spending habits regarding mobile wallets and that's how this setup came to be. I'm looking to add the Bilt card to my portfolio at some point soon so I was trying to figure out how it could fit well into a current setup, and I think this is a pretty good fit. I want to join in on the Bilt fun!!
Agreed! I love seeing the off-mainstream ideas. They do a good job of opening up people’s ideas and options.
Very interesting setup! The BILT CC is definitely a game changer for a lot of people. Thanks for the info + video!
Of course, Jimmy James! Yes, that Bilt Card is a great card to have in the arsenal!
I love the the new trifectas coming out now! This was a very interesting mix of cards, and that Altitude Reserve could be very powerful! I like that you mentioned it’s not really the greatest aspirational travel card, but almost works like a cash back card.
Loved the video Stan!
Thanks Tony! Yes, it’s a great time to be in the credit card community! Everyone’s Trifecta is going to be personalized to their spending as it should be, but yeah, this one is hybrid, but is for sure more cash back focused!
Another unique plus with USB AR is when travelling abroad and making payments using mobile wallet not only do you save on foreign transaction fees but you also get 4.5% effect cash back which is fantastic if you ask me considering how much we end up paying on vacations. Most European and many Asian countries accept Mobile wallet payments everywhere. In my last European vacation was able to use mobile wallet payments every single place.
That's great to hear that it's so flexible to use abroad! I'm not surprised given that it's a VISA card, and Europe established NFC payments way before the US did so I'm glad it's able to be used much more universally there!
Creative way to look at this trifecta! Always interesting to see how this goes and would love to see someone run this in real time.
Thanks Ninja! Who knows? Maybe I'll be running this type of setup in the future. We'll just have to wait and see..
Great job Stan I've always been a fan of alternative setups to get the job done!
Thanks Chad! Yeah, there are definitely so many different cards out there that there are endless possibilities to make an amazing Trifecta setup!
Loving the extra infographics and animation! Your video editing has improved!
Thanks LK! I'm happy to hear that you appreciate those little graphics haha! I'm going to try to put in more of those in the future and keep honing my video editing skills! 👍
Love the coverage for a very underrated yet powerful setup especially for Mobile Wallets! 5% back on Mobile Wallet purchases with that No Fee Kroger Card is awesome (at least for the first 3k in spend). Great video as always Stan!
Thanks Matt! Yeah, I've been using mobile wallets a lot more frequently so I've been looking to add a card to cover that category. And yes, that Kroger card is a pretty rare find, although I wish the cap was a little bit higher to make it a card that could be realistically used for a main category!
This setup is indeed BILT different! Great video Stan!
Hahaha Spencer!! Very punny. I approve 🤣
Excellent content Stan! 👍
Thanks Chris! 💯
Great video I have the AR us bank I’m planing to get Altitude Go
Great video !!
Thanks Roger! That's awesome that you have the USB AR already! The USB Altitude Go is going to be a solid pickup as well!
Interesting setup Stan! US Bank has great cash back cards and the PayPal card is underrated. I’m a huge fan of the Bilt card and I don’t pay rent. Great video and information Stan! ✌️
Thank you César! Yeah, that Paypal MC is such an underrated card and should get more exposure. I really like US Bank cards, but heard that they're a hard bank to get approved for so I'm strategizing to see what my next move should be if I wanted to start getting their cards. Always appreciate your support bro!
Great Video Stan!
Thank you!
Let's Go Stan! Great Set Up... Two of the Same Cards That I have in The God Tier Superfecta: Bilt Mastercard, Curve Mastercard, Amex Business Gold and The PayPal MasterCard
Thanks Sledge! Awesome!! I knew that the Paypal MC was going to be featured, and for good reason - what a gem of a card (if you're cool with Synchrony Bank). I know you like a lot of the CUs as well so I'm sure there are other lesser-known cards that you know of that can fit this framework as well!
@@TheCreditFrog It's a great card and you can rack up cashback quickly with it. As I always say, you cant buy food, souveniers or pay for excursions with points and miles so It's best to mix in some cashback!
Actually I have 3 Synchrony Bank Cards. PayPal, Walgreens and Sam's Club
You know I luv My Credit Unions. I just finished the Script for my 31st Active Card and its from a CU
I always enjoy seeing different setup options. It's easy to say AmEx or Chase trifecta or bust, but there are so many different combinations that could work for people out there. I recently did a comprehensive analysis of my household's spending, and I'm going to try to find the best setup. I have a lot of cards, but I have to admit that I signed up for them due to FOMO and feeling that that's what I should do.
That's great! Yeah, everyone knows the Amex and Chase Trifecta, but like you said, everyone's setup (or trifecta) is going to be different based on their household's spending patterns. I think it's really smart to keep re-evaluating your expenses and figure out how you can tweak your current credit card setup so that it can be optimized for your individual situation. Having a lot of cards is ok, but if they have annual fees, that's when it's important to make a keep or cancel decision. Expense tracking is the first step towards an amazing credit card setup!!
I'm telling you man... every time I see that Altitude Reserve in a video it makes me want to get it. This is a really intriguing trifecta and I could see it being really powerful for folks!! Great video all around as always Stan!
Thanks Spencer! Yeah I’m really loving this Trifecta and there are a number of ways to build it based on your own personal spending habits. I think it’ll continue to become more flexible as time goes on so it’s definitely a setup to watch closely!
As long as you have a another credit card with US bank you can upgrade it to the AR after a year and still receive the bonus. It’s not very well know. I got mine a couple months ago even though imma at 7/24 and got the 50,000 bonus points and redeemed it for cash back using RTT. So basically two bonuses for one card❤️
@@JJ_Zodiac Hmm, interesting! I didn't know that you can upgrade to the AR and still receive the SUB. That's definitely something that's not typical with product changes, but it sounds like that may be the go-to strategy if I'm initially denied for this card. Thanks for the tip!
Yeah its not known very well, probably why it hasn't been nerfed. Also forgot to mention the card needs to have atleast a $5K credit limit in addition the 1 year age. Hopefully you get approved. @@TheCreditFrog
Nice thinking out of the box! Great set-up, seems like the anchor of this trifecta being the AR with an effective 4.5x for mobile wallet purchases is excellent. I guess the main drawback here is US Bank's reputation for (a) being too stringent and denying applicants even with good scores, (b) giving low limits, and (c) doing hard pulls on credit limit increase requests. That makes for a tough comparison with the much more reasonable Chase, Amex, BOA, etc...
Thanks! Yeah, I totally agree with you. US Bank is notorious for being very picky when it comes to applicants, especially those of us with a lot of cards already, and certainly for those of us with a lot of recent inquiries and new accounts. On paper, it sounds like a great setup, but in practice, it all comes down to getting approved for that Altitude Reserve card!!
I love the cash back set ups. I would use that one in particular because I don’t pay rent but I love seeing these set ups and I want to put one together for like 75% of my spend one day
That's great to hear Luke! I know you're Team Travel, but maybe even a hybrid setup would work for you one day so you can get the best of both worlds! And yeah, that's cool if you don't rent, but you can just replace the Bilt card with your favorite restaurant-earner card instead, and you'd still be in great shape with this setup!
@@TheCreditFrog good point!!!
@@LukesPointsandMiles I dont pay rent either but I still got the Bilt Mastercard for some reason 😅
@@SledgeIncTeam because of the huge bonus!!!
@@LukesPointsandMiles 😂
Very creative trifecta setup Stan! 👏🏼 If I want to use this strategy I gotta learn to use mobile wallet 😅 Don't know why I always pull out my wallet when I can just use apply pay
Thanks so much Chase! Haha, using the mobile wallet is super simple! It's just training your mind to use it instead. Try it out for a week, I'm confident that once you do that, you won't want to go back (and your pockets will be so much lighter 🤣)
@@TheCreditFrog ya i wouldnt mind carrying less cards in my wallet 😆
great video
thank you!
There are definitely alot of options out there, what a nice breakdown!
Probably not a card I would add personally, but I had no idea the Kroger card even existed!
Have a great one, Stan!
- Ivan
Thanks Ivan! Yeah, it's a setup that's more hybrid and focused on mobile wallets, but if you notice that you're spending more in that category, there are a few cards to choose from to maximize that category. Have a great day as well!
@@TheCreditFrog Stan, I almost forgot! I don't know if you recall, but I applied for a BBP a couple weeks back and was declined.
Well, I got that targeted 100k offer for $10k spend in 6 months and I got approved! I used the steps in that Watch Me Apply video for that card as a guide! I got the card number digitally and added the card to Apple Pay right away. I’m hard at work at to bonus already and I’m STOKED to get the card tomorrow!
That decline really was a blessing in disguise!
Thanks to you, Spencer Johnson, CJ, and Ask Sebby (to just name a few off the top of my head) for putting content out like this that allowed me to get a card I would otherwise thought I would have to run a giant business to ever get.
🙏🔥
- Ivan
@@DJOctober Wow, that is so cool Ivan! Congratulations on the new card 🎉, and welcome to the wonderful world of business credit cards! That's also a solid sign-up bonus - is that for the Amex Business Gold card? I'm so happy that we could help you get your first business credit cards and that our content helped guide you through the process! That's so exciting and it's nice that your SUB is 6 months so you can take your time with it if you need to. Congrats again! This update has made my day ☺
@@TheCreditFrog it is the Business Gold Card! I am ecstatic about unboxing it tomorrow! Thanks for sharing the excitement with me. Glad I could bring joy to your day like you did mine!
Good setup! 🤑
Thanks JP!
I have the PayPal business MC and it has the same rewards with no foreign transaction fees and I love it :)
Wow! That is an excellent find M D - I didn't even think of that one!! I personally would use this in place of the personal version, but I know some people are wary of business cards. Looks like it has No FTFs AND cell phone protection. Amazing!!
@diazmike427 but the business card can't be used with paypal bill pay for that 3% cash back, correct? The paypal bill pay landing page says "Business PayPal Accounts are not eligible for this service."
If I had two separate paypal accounts (one business and one personal), would I be able to link my business card to my personal paypal like any other credit card I add? So that I can use the business card for bill pay from my personal paypal?
Nice unique idea Stan 👍 Thanks for thinking outside the box. For me USB AR is a life saver Player 2 card as almost all locations my P2 has to make payment she can use Mobile wallet payments. Also USB always gives 5k points retention offer every year ( I just got one) making effective annual fees $0 assuming one uses points for real-time rewards. Combining USB AR with BoA Customized Cash covers all retail payments made in-person (using Mobile wallet) or online . Add BoA Premium travel card means you can get 2.62% on everything else categories. So that is also a great combination. The biggest issue is how hard it is to get USB AR as USB was a PITA to deal with when you are a new customer. I had to get a USB Cash Plus card with $500 credit limit and wait 6 months (gardening period) before being approved for USB AR. (this is wilth a 800 plus credit score).
Thanks man! Yeah, I'm really liking how the US Bank Altitude Reserve card really offers a great 1-card package to tackle the mobile wallet category at 4.5X. Nice to know they also give retention offers as well! Yeah, I think if I were to implement this setup, using the CCR cards to cover online shopping or gas would be great options, and the PR card would be an amazing catch-all card for the everything else category. I'm thinking about getting this card in the near future, but I know US Bank it particularly difficult with new customers as you mentioned. Did you establish a relationship with them before getting the USB Cash Plus card? Or did you go USB Cash Plus, wait 6 months, and then applied for the USB AR after that? $500 CL is trash lol!
@@TheCreditFrog I used the USB Cash+ (which is great for 5% on utility payments) to establish relationship (Was fuming internally at the insult of $500 credit limit with my 20+ year credit history and 800+ score) and then waited 6 months before applying for USB AR (was gardening the entire period as they are very enquiry sensitive). Was denied initially and later got it through Recon. Felt like reaching the holy grail as it was a life saver with simplifying things for P2 and 4.5% cashback on most in-person purchases. I think officially they may have removed the pre-existing relationship critiera for USB AR recently. Good Luck. If you do get the Altitude Reserve it IMHO is the best rewarding card you can get due to how prevalent mobile wallet payment is.
I also have got the 5000 point retention offer each year after the first. Love it for car rentals!!! 🎉
@@DugrozReports That’s awesome Dugroz! It’s like the gift that keeps on giving!
This is actually a very interesting approach to solving this problem. Focusing on high cash back %s for individual categories means that you somehow have to cram all possible everyday purchase categories + travel into three cards. This approach avoids that problem by giving practically unlimited 4.5% on everything. The only issue I see is that the remaining $75 annual fee on the USB AR means you have to spend $1667 just to break even, before even earning cash back at all. The other major "issue" would be being reliant on mobile wallets = being reliant on your smartphone. That reason alone would be why I personally wouldn't use this setup-I'm trying to be less reliant on this device.
Yeah, I hear you! We're definitely becoming increasingly dependent on our smartphones, and that can be a good or a bad thing, depending on your point of view. It's true that there's a minimum spend to "break-even" as you pointed out, but for us credit card enthusiasts who bang out multiple SUBs in a year, $1,667 in one year is very easy to do. With this setup in particular, I think it's super important to have a solid catch-all category card, whether it be that PayPal MC or some other 2X/2% card, as you can carry that physical card around with you to ensure you're getting at least something back should the mobile wallet fail for whatever reason. Great insight Ian!
Hello Stan, thanks for the knowledge. Just wondering which card would you use for phone bills and other utilities such as medical bills in this set up?
Sure! So for phone bills and utilities, the US Bank Cash+ will get you the best return at 5% for your phone bills and utilities. The Chase Ink Cash is also a nice option. For this particular setup, it would fall under the catch all card so if you could use Paypal as a payment option, that would be helpful, but if not you'd have to choose another 2% card since the Paypal MC was recently nerfed and now (or will soon) only get you 1.5% cash back on everything else. As for your medical bills, it would also be on a catch-all card, unless of course, you're able to pay this using Apple Pay, in which case I'd use the USBAR for mobile wallet 3X.
The USBank Altitude Reserve is one of those cards where I seriously scrutinize it, and always comes out ahead. The big thing is this is *the* card to use at Costco, due to mobile wallet spend. If they throttled the mobile wallet spend (limit to $5-6k a year, suppose), it should be reevaluated as part of your portfolio.
Yeah, I hope they never throttle the spend because that would seriously hinder the card! I've always used the BofA CCR for Costco since I get 3.5% cash back ($2,500 cap/quarter), but with the USB AR, the uncapped 4.5X is so much better since you can redeem the points using RTR. An all around great card, but I wish it was more accessible since US Bank is tricky when it comes to credit card applications.
I have the US bank Altitude Reserve Card. It’s the best CC hands down!!
For sure Derik! I've seen your previous videos about this card, how much you love it, and it really helped push me in the right direction to get it! Been using it as my primary for a while, and I couldn't be happier with the ease of earnings!
My trifecta is the US Bank Altitude Reserve for 4.5% on mobile wallet, Bank of America Premium Rewards Elite for 4.4% Dining/Travel and 3.3% catch-all, and Bank of America Customized Cash Rewards for 5.25% Online Shopping. $140 effective annual fee, but I spend >$10K on the Altitude Reserve and >$20K on the Premium Rewards Elite, so I more than cover the annual fees.
That’s a great setup! Very similar to my own currently, but I think I’m going to go in your direction with the Altitude Reserve. Combining both the BofA cards with PH tier and USB AR cards are a monster combo!
Seems like an ultimate setup for those who like Cash back
Very true Mason! The Bilt is the only card with transferable points, but the other ones are definitely more geared towards cash back!
WOO STAN! Finally an Altitude Reserve video 😂😂
That's right Eduardo! Time for US Bank to get some love! I may apply for the AR card in the future - depending on if I get approved or not will determine how favorably I talk about them, haha! But for now expect them to be featured more on this channel!
@@TheCreditFrog3:01 kudos to US Bank for offering the 3X back on electronic wallets. But here's the thing, I haven't seen any improvements from BJ's, Sam's Club, and Walmart. All 3 of these stores are still lacking the nfc technology. 5:15 And another thing, I'm starting to worry about the latest Goldman Sachs headlines
How about the physical card Signature cash back+? You get to choose the 5% in 2 categories which I’m planning on restaurants and Gas Stations. 2% in one category. All chosen in each quarterly by the cardholder. 😊
Yeah, David. The US Bank Cash+ card is a great option! But I think the 5% categories are somewhat less common. You can choose one 2% category out of gas, restaurants, or groceries. But there are other cards that can get you 5% back in those categories too! You’d just have to split the spend across different cards.
For the US Bank AR, are you able to get the 3x and 50% more 4.5% when covering Expedia charges? Does that count as travel?
Although I’m not sure if Expedia is covered under the 3X multiplier, Expedia does accept Apple Pay, which would count in the 3X mobile wallet category!
@stan if you had to do a core setup that including only cards that use transferable points, what would you choose. Prerequisites would be lounge access, primary cdw, global entry, elevated multipliers in as many categories as possible with as few cards as possible, a catchall and a low price.
Ooh, what a fun question! I would go with these 3: C1VX, C1 Savor One, and WF Autograph. You get lounge access, primary auto CDW, TSA Pre/GE, and catch-all card all on the Venture X. You get dining, grocery, entertainment, and streaming on the C1S1 at 3X. You get travel, transit, gas, and cell phone at 3X on the Autograph, including cell phone protection. WF Autograph is getting transfer partners, but obviously unknown at this point. But this would be my setup with the prereqs you said with total AF of $395 on the C1VX (+$5 EAF if you want to play that game)!
@@TheCreditFrog Very good picks I came up with the same 3 cards for my preferred setup. You can get down to $200 if you are willing to use the C1V & the CSP although the effective annual fee goes up $150. (Very limited lounge access ,but still meets the prerequisites) sounds like a nice video topic. Hint hint.
You can switch the CSP for Built and get down to $100 but you lose baggage insurance.
Stan, I have a US Bank Trifecta.
Altitude Reserve for Travel/Catch-all.
Altitude Go for Restaurants.
Shopper's Cash Rewards for Groceries.
What was your datapoints to get US Bank credit Cards and did you have an account with them?
@terrelmoss1444 had a car loan with them and got an offer for Altitude Go. Liked the service (not same for everone), so stuck with them.
Wow Dhruv! You have the true US Bank Trifecta, haha! Way to go! How do you like the USB AR card? I have no experience with them (yet) so I'm curious if you like the RTR feature and if it's as easy to use as they say. I wish that the other cards could transfer their points to the AR, then your setup would probably be a contender the classic Chase and Amex Trifecta!
@TheCreditFrog I definitely love it, and I'm glad to have chosen this over VentureX. The biggest positive is getting 4.5× multiplier on digital wallet payments (3× rewards with digital wallet and 1 reward being 1.5c worth).
RTR is great except for booking hotels where you need to have a minimum spend. But otherwise, there are no issues at all.
It's not good for travel perks, though, and low starting credit limit. 5k in my case.
Hey Stan - did you ever end up getting the PayPal Mastercard? I just got the USBAR and considering the PayPal card as a two card set up.
Hey Ryan! Nope, I still don't have that card. Right now, I'm using the BofA PR Elite card as my catch-all for everything else and BofA CCR for online shopping, but I still recommend the Paypal Mastercard because it's a great catch-all card, with a bonus for online shopping using Paypal!
Right now i got the discover 5% mobil wallet, citi cc 5% dining and the chase ff at 5% gas and groceries, chaching
My backup is attitude reserve 3% mobil and the altitude go 4 % dining
That is a solid setup for this quarter King Green! I'm assuming you got the 5% grocery 12 month SUB to cover that category, but looks like all those rotating category cards lined up nicely for you! If you're using the USB AR and AG as a "backup," I would definitely say you are in an awesome place!
@@TheCreditFrog yup 12 months groceries on the chase freedom flex
As I'm watching this, just used my Altitude Reserve card to make a mobile wallet purchase at a grocery store in Medellin Colombia, bought some jugo de mandarina 😂
WanderingDoc! That's awesome - this card is great for purchases abroad! Out of curiosity, when you got this card, did you have a lot of hard inquiries / new accounts? I'm curious if US Bank gave you any trouble when you applied for this card.
@@TheCreditFrogI was 10 new accounts/12 months when I was approved for the altitude reserve and triple cash on the same day.
@@TheCreditFrognah instant approval with a 15k limit on each
I just love saying the word trifecta 😂
Haha me too! It's got a nice ring to it 🔔
is the dining on the Bilt limited to US restaurants or worldwide?
From what I understand, it’s worldwide dining.
Can I use the reserve card together with Connect card and combine points pool? because the connect card has 4x gas
Unfortunately, no you can't. I've read that points are not transferable between cards. Of course, I don't have any US Bank cards so I can't verify this personally, but I'm pretty sure that that points cannot be transferred.
@TheCreditFrog they cant i have the reserve and the go, don't know about the connect and the go though
@@KingGreen78 Awesome, thanks for that DP!
Honest question, how would real time rewards be 4.5% when your not getting the base 3% because your making your purchase with points? I get that your technically redeeming the purchase you got the points for at 4.5% but then you miss out on 3% when you redeem it for another purchase. Wouldn’t you gain 1.5% by redeeming it for cash back of redeeming for a purchase?
I can see your thought process with that. I value the redemption at 4.5X because you're redeeming your original 3X points at a value of 1.5X. Yes, you don't receive 3X points on that purchase, but you're getting 4.5X value back from the redemption specifically. IMO, the 3X points that you would have received from the purchase doesn't count because once you redeem your points for that purchase, it technically ceases to exist and only the redemption value needs to be calculated.
The PayPal master card .. interesting 🤔 it’s the first time I’ve heard someone mention it
It's a very underrated card. It's a great catch all card and gets the bonus 3% for Paypal, which is basically all of online shopping! Definitely look into it Fanta!
The PayPal Mastercard stays in my wallet. It's one of my Favorite cards
@@TheCreditFrog I've also used it via the QR code at the register at Foot Locker and Macy's.
Yeah but I’ve heard the AR doesn’t have travel partners to transfer to. So you’re limited to their travel portal.
That's true! That's why I consider this card to be mainly a cash back credit card since there are no transfer partners.
No you're not. You can book direct with US Bank's Real-Time Rewards system and redeem your points at 1.5cpp.
I have to wait 2 years for my inquiries to fall off before I can apply for the USB AR. Sucks cause I’d love that card!
At the moment I got myself the Bus Gold for 10k spend in 6 months but I also have to spend for my Personal Gold retention. I should be fine for a while. 13 Cards Strong from starting at 1 Card 15 months ago
That's great Meds! Yeah, USB is extremely new account and inquiry sensitive so best to wait it out before applying to get this card. Sounds like you've been quite the busy bee building up your credit card portfolio! I also have that business Gold 10k/6mo SUB and its been pretty nice taking my time with it. It's a great way to garden as I'm sure you know! Congrats on the personal Gold retention offer! I haven't had any success this year on those myself.
If I dont have guest, Can I use all 8 passes for myself?
No, I'm pretty sure it's 4 for you and 4 for guests.
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Noted, thanks for the suggestions Terrel!
@@TheCreditFroga video I would enjoy seeing is a comparison battle between different cards and their insurances / protections.
And one that is overall the best all around
a video that really goes into the details
.
Such as the venture X and the CSP/CSR
They both have primary rental car insurance.
But the venture X only covers up to 14 days in the sates .
And the CSP / CSR cover up to 30 days
I have both cards, but still choose the CSP for safety because I often rent a car out over 14 days.
I know very few people look into these type of stuff because they assume it’s all the same but it’s nice to know. The difference between the cards since they all kinda sounds the same but not really ,
@@MyWastedFantasy That' a great idea Fanta! I'd have to do a deep dive into the T&Cs for this, but for those select group of people, that would be very helpful information. Things like specific travel protections, auto CDW, and cell phone protection are great topics to look into in the future!
Stan Da Man!
Whats up buddy!
@@TheCreditFrog question: I applied for the Amex green last year and got a pop message saying I wasn't eligible for the bonus. I was recently offered the amex BCP and was approved with the bonus offer. With that said, if I apply for the green again do you think ill be eligible for the bonus now? In other words, do you think I'm out of amex pop up jail? Thanks Stan.
@@randallraines6553 Your guess is as good as mine! I think that you should wait a month or two and then try to apply again! It’s fine to keep trying, but I would try only once per month.
USBAR for 4.5% mobile wallet and travel, i can pay rent with mobile wallet for a 2.2% fee netting 2.3% which beats BILT card.
Custom cash for dining 5% up to 500/month, key is to only use when mobile wallet isn’t available, if it is use USBAR for dining and lose .5%
X1 card on old rewards structure gives 3% flat back but can only redeem on X1 partners which is a closed system.
PayPal and BILT both don’t have sign up bonuses so those are a no for me
That's a great setup! Yeah, it looks like you're following a similar strategy to this video which is mobile-wallet-centric. That's great that you can get a positive return on your rent payments with the AR, and you bring up a very good point about sign-up bonuses! It's definitely a tough call to choose a no SUB card, especially if it's going to take up a Chase 5/24 slot so it's definitely a case-by-case situation. I respect that.
First
Congrats CJ! You are indeed First. I think that makes 3 in a row so 🦃🦃🦃!
Love Discover it Q3 getting 5% on digital wallets is no brainer
For sure, Neno! Digital wallets are a great category. It’s the new category to watch out for!
I like using my Citi CC for the 5% at $500 of most spend categories a month, my PayPal MC, and as of right now DiscoverIt for 5% back on digital wallets and has until September but I plan on getting the Apple Card in Oct. as my third card for the trifecta of mine. Why I never got the Apple Card? Because I even as an Apple user always thought my Amex BCE and BCP thought it gave me better cash back on apple purchases? But Apple Card seems to be a great card to also use for Apple Pay like DiscoverIt as of this quarter.
Great setup Dark! Yeah, it's great that the Discover It card covers the mobile wallet category this quarter, but the Apple card would also be a great one to use for mobile wallets, especially if you're preferred mobile wallet is Apple Pay!
@@TheCreditFrog I forgot to mention that I also use sometimes my SavorOne card. It offers 3% back on groceries and 5% on Hotels and 8% on certain Entertainment categories! It’s a great cash back card and will _SOMETIMES_ replace my Discover It when I don’t use Apple Pay as of right now. :))
@@TheCreditFrog also yes I love Apple Pay.. it’s sad that it’s not accepted at places like Walmart.. I shop their quite a lot..
@@otakubaka139 Yeah Walmart is trying to use their WalmartPay system but it just makes everything inconvenient
@@TheCreditFrogdo you have the SavorOne and what’s your view on it Stan?