The way that you go from one card to the next is interesting, often choosing the next card with somewhat similar features, rather than just simply going through each card family one by one. It kept me eager to see what card would come next.
capital one's access to lounges is honestly the best feature for me lol. i take cheaper flights with layovers sometimes because I get free lounge access in most airports in the world, which means free meals, coffee, etc.
Looks like I have a pretty average portfolio of cards, but that's perfect for my needs right now. I'm living very frugally while building an emergency fund, so I have limited spending and don't travel enough to justify any annual fee card. What Daniel says at the end of the video about everyone's situation being different is incredibly important to remember as you go along your journey.
@@kessarychlick2117 Currently, I have a Discover Cash Back (occasional useful categories), Chase Freedom Unlimited (1.5% catch-all), the Costco card (already have a membership, and it gets 4% on gas), and a card with my local credit union that I hope to upgrade soon to one that will be a 2% catch-all. Eventually, I plan to get a better card for groceries (probably the SavorOne if it/the environment haven't changed drastically at the time I apply).
With credit cards there's always a balance between what you gain and what new behavior is incentivised. In the end they are designed for you to spend more not less 👀
That's why I feel like my Freedom Unlimited is so good for me and also why I'm eyeing the Freedom Flex. I don't travel and am focusing on earning points for cash back by using my card for everyday purchase. I earn hundreds of dollars every couple months, it's great
@@musek5048Only if there are no limitations. There is a citi card that offers 5%, but is capped at 500/m. I’m eyeing the Robinhood Gold card that will be 3% back on all purchases. In the end, if you aren’t paying off your balances each month, you’re looking at negative cash back.
Savor one sounds like the easiest and most efficient for me. Thanks for the list!! This is exactly how I make decisions in video games and now with my finances lollll love a good tier list.
Savor is a great card! But Capital one imo just absolutely SUCKS with boosting credit limits. I think because I started out with them when my credit was shit I got put in one of those buckets. I’m getting $15k limits out the gate with Chase and $9k for discover but capital one I’ve had the cards for years and can’t get above $5k and my savor card still only $2300 😭 but I good card
Venture X vs CSR value proposition varies highly depending on what airports you frequent. My home airport is BOS and my secondary airport is PVD, which makes Saphire lounge access at Logan and priority pass experience credits at Logan and Providence extremely valuable. If your home airport is DFW, then the capital one lounge access might be more valuable.
Thank you for this super clear overview, much appreciated! Also thank you for not over-ranking the Amex Platinum which has become a joke in my opinion (let's not forget that despite the $700 annual fee, you now have to pay $50 per guest to get access to airport lounges, and that includes YOUR OWN KIDS. Ridiculous).
Capital One Venture and Amex Gold were the best decisions I made for myself. Surprised you didn’t mention the standard Venture card! Nevertheless, took me about a week getting used to ‘what card gets swiped where’, but it’s just muscle memory now and I’m reeling in the points between each card!
@@Daniel_Braun I got a Discover IT card about 3 months ago. What card should I get next if I want to build my credit history faster? I tried applying for the Chase Freedom Flex but weirdly my application was rejected for not having enough Credit History.
Very well made video! Kinda off topic *this comment is just a personal opinion* the transitions you use while editing are kind of harsh/fast on the eyes and when you use them frequently it can make a viewer feel like they are being whipped around on a roller coaster. I know you didn’t ask, but personally I think if you dialed the transitions down in motion/quickness/harshness or made those larger faster transitions less frequent it would be a little easier to watch without feeling almost motion sick. Again this is just a personal opinion, absolutely no hate, and free advice if you want to take it into account. Feel free to ignore it if you don’t like it, I just was noticing that while watching the video. The rest of the video is excellent!
This is honestly the nicest way to give feedback that I’ve ever received - and it’s super helpful so thank you so much! I completely understand what you mean and actually agree that the transitions can be toned down a bit, so I’ve already passed that info on to my editor. A few other people said the same thing Thanks again for being an awesome person with helpful feedback that’s critical in the best way possible! 👍
Pretty much with you on all of the rankings in general! I definitely need to consider the SavorOne as I (maybe) close out my Amex Green which was amazing in the first year given the welcome bonus, but like you mentioned doesn't see THAT much value otherwise. Would love the Amex Gold but with the new welcome bonus changes, out of luck. Both the Amazon Prime and Bilt cards are great to have, but also not sure if they're worth burning a 5/24 slot for, so we'll see! Awesome breakdown Daniel!
Agree with pretty much all of your picks here Daniel! The Capital One Duo is super underrated so cool to see it getting some love from you in the S Tier. The only changes I would make is potentially adding the Bilt Card to the S Tier & the Aspire a bit higher, but overall these were great picks & everyone has different travel/spending preferences. Great video as always Daniel!
I messed up my credits real bad back in 2020. Im just now building it back again and not being reckless. I had a capital one secured card and just got upgraded to an unsecured card and my score is now a little over 700. Im also getting an apartment next month and I’m very interested in the BILT credit cards. Do you think it’s a hard to get approved for??? Especially with my history
My only gripe with Capital One is they don't seem to like me. The cards are super good though. Opened a SavorOne when my credit was average (mid 600s) and they only gave me $600. Fast forward to now in the low 800s and about $90k in revolving limits across a few banks they still won't raise it. I guess I could close it and re-apply to try and get out of their "bucket" system but I have annual fee waivers for AMEX Gold/Plat so I pay $0/yr for both of these. Once I start having to pay for those I'll probably try to get back in to the Cap1 cards.
Definitely see why you rank AMEX platinum where it is but all you need are 4 benefits from this card to offset the fee. Especially if you add authorized users.
A tip for your next video.......I was looking for a link to a spreadsheet or your website with a spreadsheet....I was even hoping that I could pause the video and look at your rankings, but you have the different credit cards stacked on top of each other so I can't read which ones they are.
@@marco6350 might not be a go to card since it’s for one specific airline company, like I said I travel for work and they always book United so I’m getting perks without having to spend my own money. I’m sure I would have got the normal chase card if this wasn’t the case :)
This is a really cool video! I find i have a lot of c tier credit cards but I do use a different strategy to take advantage of it in a different way. I go for no annual fee, 0% intro PURCHASE APR, some type of signup bonus, and a reward rate of some form. I actually get most of these through mail ins. What i do is i put my usual purchases on a %0 apr card, save the amount i owe on that card on a 5% high yield savings account, pay minimum monthly payments, then pay the whole balance off as the intro APR is about to expire. You collect rewards, signup bonus, and interest with this method. I only do cash reward or statement credit rewards as well.
You do know that your credit utilization makes up 30% of your credit score. It sounds like your maxing out the card and using all if not most of your credit limit. That will drop your score drastically including the credit hit by applying for the card.
Mannnn I know how hard this video must have been to make 🤣 Just trying to figure out where to start is TOUGH. Also I’ve heard of a few people who actually got that Luxury Card and I remember whoever told me about it, didn’t have the heart to tell them it was a bad card 😂 Great Rankings here Daniel! Some of these I never had an opinion on so it was good to see your insights on them, especially the U.S. Bank Cards. And I think you’re spot on with the Platinum for most people 100%
I actually have a US Bank card, since it was the bank I grew up with and it's a perfect card for my current situation as a college kid, already tied to my bank, and with surprisingly good cashback and no foreign transaction fees. It helped me get a decent card as my first one rather than another bad bank card or student card. I do not think I will continue to use it much once I am out of college and add better travel program cards and things like custom cash, but have definitely appreciated it so far.
One more thing with the chase sapphire preferred is that they offer an additional 10% of what you pay in points at the end of every anniversary year for your account opening. Basically if you spend $10000 with that card, you’ll get an extra 1000 points at the end of the year. Not a huge difference but this does help offset the annual fee a little bit.
It’s wild for me. I actually find the Amex green card as my s tier card instead of the gold. Especially since I am near a city so the 3x on all travel is awesome.
For people living around a city then the Green card can definitely earn some good points! I really just wish they either had some credits or a lower annual fee + a better sign up bonus. For the right person, the Green card can be good - but I still see the Gold as the better option for most people (assuming the credits make sense for them). Appreciate hearing some of your perspective because it's gonna be different for everyone! 👍
Thanks Julian! Just checked the schedule and that's gonna be a great game! So cool to see the teams that will be in the Big 10 next year for some great match ups
Great video, Daniel! If Bilt adds a welcome offer, even as much as 15k points, I'm giving up my 5/24 status even though I have been waiting for a CSP for so long ha!
If Bilt adds a welcome offer than it right up to the S tier for them! Or if they remove the 5 transaction per billing cycle requirement which I forgot to mention here as well. But such a solid card overall and I love having it in my wallet 👍
Frequent cruisers spending thousands of dollars could find the green card very valuable as it is one of the only cards which counts cruise line bookings as travel.
Although not a points card, the Citi Anywhere Costco Visa gets you 3% here as their travel category is broader than most and includes cruises, and it doesn't require use of a travel portal. For a card that got its extended warranty coverage nerfed last year, this still makes me hold onto the card alongside its 4% gas rewards.
Appareciate the ranking videos but can we get some chapters so we can jump to the ones that are actually relevant to us? Took me forever to find the section with my cards. Also would be nice if you could list all the cards reviewed in the description even if you dont write out the rankings.
How you're able to plug so many of your other detailed card/duo/trifecta videos shows what an impressive catalogue you've built. Love the content as usual!
I think the Chase Freedom Unlimited should be in the A tier also because the only difference between the unlimited and the flex is the flex gets the quarterly cash back but everything else is pretty much the same
Considering changing my CFU to a CFF. Currently have a CSP as well. Can’t get a signup bonus right now. If Chase took out other categories on the CFU and gave it a base 2% cash back, it would be perfect IMO.
@@RebelTvShkaif you don’t fly very often, travel points are useless. I’m in the same boat where I wouldn’t end up using the travel points so it would just be a waste of
Yeah, idk how you can talk about the Apple Card without talking about the savings account. It’s basically a high yield savings account with no fees or minimum balance. And idk how using Apple Pay is a detractor for 2% cash back when virtually every store accepts Apple Pay. The 3% cash back could use some sprucing up, but it’s not a D-level card.
You don't need an Apple card for a savings for 4.5%. You can get Savings accounts completely free that pay more than that. A credit card isn't why that is available AT ALL. It also doesn't offer anything special for a variety of cases outside maybe an apple purchase. So not much.
Apple Card at D is pretty harsh imo. These days 90% of places have Apple Pay as an option, even some sit down restaurants I’ve been to offer Apple Pay through QR codes on the receipt. 2% cash back is pretty average but good in the sense that it’s basically universal. Pair that with really straightforward UI/UX to manage your card and it’s really not that bad as a catch all card, or at least a secondary card.
I think it’s interesting how good the Chase cards are, yet none of them are really S-Tier. Somehow they don’t quite make it but still deliver S-Tier value. But this video is S-Tier. Well done Daniel!
Not a bad list but the sapphire reserve seems to be my favorite. Just the bonuses alone are worth over $1250 a year, TSA is worth a lot and it's 5x not 3x if bought through their rewards portal for traveling. You also need to compare the different visa bonuses which is important for traveling and insurances.
To me the Saphire Reserve is by far the best - I make between $1500-2K a year using only this card and that's after my yearly premium payment for the card - but I pay the card off every month also....
A note of caution about the PayPal cashback mastercard: your credit limit is going to be a fraction of what you might expect, causing your utilization to spike if you use it as intended with the catch-all 2% rate
I thought the credit bureaus took into consideration ALL your available credit? Like my Amex is $10k and another is 5k etc. They just look at the utilization percent per card?? Guess I should be asking for a credit increase.
Great video Daniel! Unfortunately for me the S tier cards with the Capital One cards are the ones I probably won’t be able to get since Capital One is too stingy with me. Otherwise I’d love to get those cards.
One thing that’s nice about the Apple Card is there’s a low barrier to entry and no fees. It was one of my first credit cards and as a college student it was really convenient in that regard. It’s not a great card now that I’m far removed from my college days but it was nice to have to build credit
What are your thoughts on Bank of America Cash Back? 1% All Purchases 2% On Groceries 3% on your select category. 200$ welcome bonus If you bank with BoA or use their investment branch Merill Edge, if you have 25k stored or higher, it improves the cash back. 100k is where it caps out. Over 2% on all other purchases Over 3%on Groceries Over 5% on your select category. Any thoughts on this?
I use BofA Premium Rewards card with $95 annual fee with $200 in Airport Incidental/TSA benefit and since I'm BofA Platinum tier I essentially get 3.5% back on travel and dining and 2.62% back on everything else. This is extremely hard to beat with anything else. All the other hoops and carrying a deck of cards just to maximize benefits seems stupid.
The big downside to this card was the cap on rewards, I believe capped at $2,500 in spending every quarter. If you spend more than $10k a year on your card, it ends up being less rewards (multiplied by how much more you spend, like if 50k/yr then it's a massive difference). Also the 2% on everything is way more for me personally. Random things like car insurance, house repairs, etc add up to more than the 1% difference in the one 3% category
Good video! I stick with no annual fee cards and I figure once I average it out I don't earn anymore than I would if I paid for a card like the amex or whatever. Gotta know how you personally spend money. I got the chase prime card, red card, citi double cash, citi costco visa, scheels card (only signed up for that bonus lol), discover card which I've had for ages, and a few local cards. Works for me because I know what I buy.
It would go right alongside the Blue Cash Everyday in the B tier for me. It’s similar to that card and the main reason people should get it is if the math makes sense for their earnings to be worth the annual fee - that’s basically why I didn’t get to mention it. Very good card though for the right person that wants cash back!
For the Apple Card…Realistically in most of the US Apple Pay is accepted. Even at restaurants… 2% cash back is nice especially since they put it into a 4% APY savings account…. Plus the security is unmatched by any card. I don’t like how you didn’t mention those benefits. Besides that good video. I learned stuff
Daniel, do you consider Chase UR points to be worth more than Cap One points/miles? Seems like the Cap One duo has better spending multipliers than Chase, but it’s all for naught if the points aren’t as useful/valuable! I know it depends on the use case but what’s your opinion? Thanks
Citi custom is s tier 5% back on any one category Get another 2 citi cards and project change them to custom Now you have 3 cards giving you 5% categories. Then you get an aaa travel for 5% gas Then the other aaa for 5% on groceries. Thats now 5 categories at 5% If you need more Get us bank + which gives you 5% in 2 categories but have to activate each month. If you need more get a different us bank card and project change them to us cash+ for 9 categories that will cover 95% of all your spending.
I have 2 of them but I have heard of people having 4 of them. The best roi is chasing sign on bonuses for cards that cover a specific category that you will use. And just get 2 cards a year. I get 400+ dollars a year in sign on bonuses plus whatever my cards % I make. The problem is everywhere I go now charges more money to use a cc so just having a card I get the sign on bonus with and throw the rest in the sock drawer. I have some cards I use 1-2x per year just so they cant close my accounts
Great video Daniel! I have a better understanding of what cards I should apply to. I have question, Capital One offers a “Savor One for good credit” card for those who don’t qualify for the Savor One. What are your thoughts on cards for good credit that Capital One is offers? Is it worth applying for? Thank you!
Could you do a video on how the credit age averages out? I’m a little confused on how it work. Will the age really matter if I leave a 5 year gap between card A and B? Or would a 6 month gap be better?
Looks like I am hanging around B tier but 2 cards that I found that I never see in rankings on the two AAA credit cards. You don't need a membership for them and you can choose either one. The travel card is 5% on gas, 3% resturant/grocery, and 1% everything else along with no travel exchange fees. The Daily Advantage is 5% grocery, 3% pharmacy/gas, and 1% everythign else. I have one, my wife the other, and we rake in cashback with them like crazy.
Those sound amazing! I never heard of them. I got lucky that my bank, PNC, sold me on the PNC cash rewards, 4% gas 3% dining 2% grocery 1% everything else.
Thanks! Haha yeah I tried to cover a lot here so I had to keep things moving. Obviously there's still a ton of cards that I could cover like those - I'd say for BoA cards like the Customized Cash and the AAA card, those would go in the B tier as solid cash back options. The thing about no annual fee cash back cards is that there's usually little to dislike, but the upside is limited compared to travel rewards. So those would be some examples of more solid B tier cards that I think are worth it for people on Team Cash Back!
Could you pay your property taxes with bilt? I don’t have rent/mortgage but maybe property taxes could be a good way to use that? Taxes are expensive here in NY
The citi double cash card does not have the standard welcome offer and you were lucky to find that it did when you were looking. I personally would rank the the Wells Fargo active cash above the double cash in A tier because it has the full time welcome bonus and it only takes $500 spent vs 1500 spent to get the $200 bonus on top of that.
Lounge access with the platinum card makes it worth it for us. It makes the worst part about traveling (the airports and layovers) more enjoyable. It also gives us TSA global for free and we take advantage of the monthly 15 dollar Uber eats credit. They also always have great perks at the lounges Free alcohol, actually good food that is free and things like masseuses yes also free. It’s a great experience
with the capital one and discover (possible) merger, what do you think would happen with the discover cards? i’m finally at good credit to be able to consider a discover card.
You missed the Amex Blue Card Preferred, 6% on select streaming, 6% on US supermarkets, 3% at gas stations, 3% on any kind of public transit, and 1% for everything else. Plus 200$ welcome and first year no annual fee but after that is 95$
I'm still FIRST, But to business, I am right now carrying the CSP, CFU, Amex Gold, and VX which I recently picked up with 90K bonus. I am really loving my VX more than I thought I would, but I will see how it fairs after the first year. Your Ranking is about right! Great vid as always Daniel💥
![Lp. Сердце Вселенной #60 РОЖДЕНИЕ ЛОЛОЛОШКИ [Финал] • Майнкрафт](http://i.ytimg.com/vi/YoR0pAV9FVQ/mqdefault.jpg)
I got a B’s and C’s Just like my high school report card.
😂 Hilarious and clever comment - definitely deserves a pin
😂😂😂 good one
😂
No need to brag man
My one and only card thus far wasn't even mentioned 😂😂
It's so refreshing seeing someone get straight to the point. You absolutely will get my subscription. Great stuff!
Thank you so much for saying that and for subscribing! Truly means a lot to me!
Same
Agree
same
The way that you go from one card to the next is interesting, often choosing the next card with somewhat similar features, rather than just simply going through each card family one by one. It kept me eager to see what card would come next.
capital one's access to lounges is honestly the best feature for me lol. i take cheaper flights with layovers sometimes because I get free lounge access in most airports in the world, which means free meals, coffee, etc.
Looks like I have a pretty average portfolio of cards, but that's perfect for my needs right now. I'm living very frugally while building an emergency fund, so I have limited spending and don't travel enough to justify any annual fee card. What Daniel says at the end of the video about everyone's situation being different is incredibly important to remember as you go along your journey.
What card do you prefer because I live very frugally as well.. I only buy groceries and gas
@@kessarychlick2117 Currently, I have a Discover Cash Back (occasional useful categories), Chase Freedom Unlimited (1.5% catch-all), the Costco card (already have a membership, and it gets 4% on gas), and a card with my local credit union that I hope to upgrade soon to one that will be a 2% catch-all. Eventually, I plan to get a better card for groceries (probably the SavorOne if it/the environment haven't changed drastically at the time I apply).
Amex Gold
@@kessarychlick2117 Savor easily
@@kessarychlick2117Amex Blue Cash is a great no fee card for those 2 categories.
Thanks for the hard work on this Dan. That looked like a lot of work to go through all of that.
With credit cards there's always a balance between what you gain and what new behavior is incentivised. In the end they are designed for you to spend more not less 👀
Agreed. That’s why I like a simple 2% card and paying balance off every month so I’m not incentivized for any particular purchase.
That's why I feel like my Freedom Unlimited is so good for me and also why I'm eyeing the Freedom Flex. I don't travel and am focusing on earning points for cash back by using my card for everyday purchase. I earn hundreds of dollars every couple months, it's great
@@UA-camSupportOfficialUS so would a 5% card with no annual fee not be worth it?
@@musek5048Only if there are no limitations. There is a citi card that offers 5%, but is capped at 500/m. I’m eyeing the Robinhood Gold card that will be 3% back on all purchases. In the end, if you aren’t paying off your balances each month, you’re looking at negative cash back.
no sh!t lol
Savor one sounds like the easiest and most efficient for me. Thanks for the list!! This is exactly how I make decisions in video games and now with my finances lollll love a good tier list.
Savor is a great card! But Capital one imo just absolutely SUCKS with boosting credit limits. I think because I started out with them when my credit was shit I got put in one of those buckets. I’m getting $15k limits out the gate with Chase and $9k for discover but capital one I’ve had the cards for years and can’t get above $5k and my savor card still only $2300 😭 but I good card
Chill with the transitions I’m getting dizzy
😂
Between that and the flying hands....I keep feeling like I need to dodge his fingers
Actually absurd edit
Thats because you are old 🙄😮
@@ElJefe360naw its overly edited
Venture X vs CSR value proposition varies highly depending on what airports you frequent. My home airport is BOS and my secondary airport is PVD, which makes Saphire lounge access at Logan and priority pass experience credits at Logan and Providence extremely valuable. If your home airport is DFW, then the capital one lounge access might be more valuable.
Find myself at IAD, DFW, and DEN at least 5-10x per year so it was an easy choice
Thank you for this super clear overview, much appreciated! Also thank you for not over-ranking the Amex Platinum which has become a joke in my opinion (let's not forget that despite the $700 annual fee, you now have to pay $50 per guest to get access to airport lounges, and that includes YOUR OWN KIDS. Ridiculous).
Capital One Venture and Amex Gold were the best decisions I made for myself. Surprised you didn’t mention the standard Venture card! Nevertheless, took me about a week getting used to ‘what card gets swiped where’, but it’s just muscle memory now and I’m reeling in the points between each card!
The B tier is damn competitive.
Very competitive! Some great cards in the B tier that can help out anyone's setup
@@Daniel_Braun I got a Discover IT card about 3 months ago. What card should I get next if I want to build my credit history faster? I tried applying for the Chase Freedom Flex but weirdly my application was rejected for not having enough Credit History.
I never comment or rarely subscribe. But you were straight to the point, nice editing and no bullshit. You got a new sub.
Thank you so much for that! Really glad to hear you liked it!
Can you rank cards for those of us that don’t travel? No flights, no hotels, no partner programs, just straight up cash back setup.
Yeah I can definitely look to make a Cash Back only ranking video with a similar tier list!
Take a look at PNC Cash Rewards Visa Credit Card.
It has 4% on gas, 3% on restaurant, 2% on groceries for the first $8000 in a calendar year.
Found a card?
@@Doggmatic_Found a card?
@Messup7654 I ended up going with "Bilt," which is more of a travel card, but works pretty well.
Very well made video! Kinda off topic *this comment is just a personal opinion* the transitions you use while editing are kind of harsh/fast on the eyes and when you use them frequently it can make a viewer feel like they are being whipped around on a roller coaster. I know you didn’t ask, but personally I think if you dialed the transitions down in motion/quickness/harshness or made those larger faster transitions less frequent it would be a little easier to watch without feeling almost motion sick. Again this is just a personal opinion, absolutely no hate, and free advice if you want to take it into account. Feel free to ignore it if you don’t like it, I just was noticing that while watching the video. The rest of the video is excellent!
This is honestly the nicest way to give feedback that I’ve ever received - and it’s super helpful so thank you so much! I completely understand what you mean and actually agree that the transitions can be toned down a bit, so I’ve already passed that info on to my editor. A few other people said the same thing
Thanks again for being an awesome person with helpful feedback that’s critical in the best way possible! 👍
Wow this video was informative, straight to the point, and well made. Subscribed, thanks!
Pretty much with you on all of the rankings in general! I definitely need to consider the SavorOne as I (maybe) close out my Amex Green which was amazing in the first year given the welcome bonus, but like you mentioned doesn't see THAT much value otherwise. Would love the Amex Gold but with the new welcome bonus changes, out of luck. Both the Amazon Prime and Bilt cards are great to have, but also not sure if they're worth burning a 5/24 slot for, so we'll see! Awesome breakdown Daniel!
Don't close ur CC, even if you don't use them, unless there's annual fee upkeep, then get rid of them. Keep your credit line high
Agree with pretty much all of your picks here Daniel! The Capital One Duo is super underrated so cool to see it getting some love from you in the S Tier. The only changes I would make is potentially adding the Bilt Card to the S Tier & the Aspire a bit higher, but overall these were great picks & everyone has different travel/spending preferences. Great video as always Daniel!
I messed up my credits real bad back in 2020. Im just now building it back again and not being reckless. I had a capital one secured card and just got upgraded to an unsecured card and my score is now a little over 700. Im also getting an apartment next month and I’m very interested in the BILT credit cards. Do you think it’s a hard to get approved for??? Especially with my history
The Bilt is truly S tier..just booked a hotel in Italy with Hyatt points transfer.. all earned from paying for the roof over my head!
@@Jiggy609 Love that!!
My only gripe with Capital One is they don't seem to like me. The cards are super good though. Opened a SavorOne when my credit was average (mid 600s) and they only gave me $600. Fast forward to now in the low 800s and about $90k in revolving limits across a few banks they still won't raise it. I guess I could close it and re-apply to try and get out of their "bucket" system but I have annual fee waivers for AMEX Gold/Plat so I pay $0/yr for both of these. Once I start having to pay for those I'll probably try to get back in to the Cap1 cards.
@@Jiggy609The day they accept Mortgage payments as well is when it can go to S tier.
these constant transitions are INSANE
Lol annoying af 😂
It’s good to have every now and then! But it’s just a little too much haha just gotta dial it back like 40% 😂
Insanely over the top!
Had an Apple Card ad for this video 😂😂
Definitely see why you rank AMEX platinum where it is but all you need are 4 benefits from this card to offset the fee. Especially if you add authorized users.
Love this video I’m finally deciding to get a credit card (trying to build my credit) and I loved the way explained everything 👏🏽
A tip for your next video.......I was looking for a link to a spreadsheet or your website with a spreadsheet....I was even hoping that I could pause the video and look at your rankings, but you have the different credit cards stacked on top of each other so I can't read which ones they are.
probably intentional for views. like a thirst trap
Thanks for taking the time to walk through these brother!
Excellent video. You are quickly becoming one of my most-watched channels. This was a succinct and highly informative well-done comparison!!
Great video. Would love to see a business card tier list in the same manner
Love this list! I got the United Explorer card for my chase card since I travel a lot for work and the company books almost exclusively on United.
Love my explorer card
I wonder why he didn’t review this card?
@@marco6350 might not be a go to card since it’s for one specific airline company, like I said I travel for work and they always book United so I’m getting perks without having to spend my own money. I’m sure I would have got the normal chase card if this wasn’t the case :)
This is a really cool video! I find i have a lot of c tier credit cards but I do use a different strategy to take advantage of it in a different way. I go for no annual fee, 0% intro PURCHASE APR, some type of signup bonus, and a reward rate of some form. I actually get most of these through mail ins. What i do is i put my usual purchases on a %0 apr card, save the amount i owe on that card on a 5% high yield savings account, pay minimum monthly payments, then pay the whole balance off as the intro APR is about to expire. You collect rewards, signup bonus, and interest with this method. I only do cash reward or statement credit rewards as well.
Thanks Mikey! That's a really strategic process you having going on, but that makes sense if you're keeping track of everything and managing it well 👍
You do know that your credit utilization makes up 30% of your credit score. It sounds like your maxing out the card and using all if not most of your credit limit. That will drop your score drastically including the credit hit by applying for the card.
Mannnn I know how hard this video must have been to make 🤣 Just trying to figure out where to start is TOUGH.
Also I’ve heard of a few people who actually got that Luxury Card and I remember whoever told me about it, didn’t have the heart to tell them it was a bad card 😂
Great Rankings here Daniel! Some of these I never had an opinion on so it was good to see your insights on them, especially the U.S. Bank Cards.
And I think you’re spot on with the Platinum for most people 100%
I actually have a US Bank card, since it was the bank I grew up with and it's a perfect card for my current situation as a college kid, already tied to my bank, and with surprisingly good cashback and no foreign transaction fees. It helped me get a decent card as my first one rather than another bad bank card or student card. I do not think I will continue to use it much once I am out of college and add better travel program cards and things like custom cash, but have definitely appreciated it so far.
Thank you so much for doing all of this research! You saved a lot of people a lot of time and we appreciate you! ❤
One more thing with the chase sapphire preferred is that they offer an additional 10% of what you pay in points at the end of every anniversary year for your account opening. Basically if you spend $10000 with that card, you’ll get an extra 1000 points at the end of the year. Not a huge difference but this does help offset the annual fee a little bit.
It’s wild for me. I actually find the Amex green card as my s tier card instead of the gold. Especially since I am near a city so the 3x on all travel is awesome.
For people living around a city then the Green card can definitely earn some good points! I really just wish they either had some credits or a lower annual fee + a better sign up bonus. For the right person, the Green card can be good - but I still see the Gold as the better option for most people (assuming the credits make sense for them). Appreciate hearing some of your perspective because it's gonna be different for everyone! 👍
great video Daniel! cant wait to see penn state play my school on 10/12/24!!
Thanks Julian! Just checked the schedule and that's gonna be a great game! So cool to see the teams that will be in the Big 10 next year for some great match ups
Great video, Daniel! If Bilt adds a welcome offer, even as much as 15k points, I'm giving up my 5/24 status even though I have been waiting for a CSP for so long ha!
If Bilt adds a welcome offer than it right up to the S tier for them! Or if they remove the 5 transaction per billing cycle requirement which I forgot to mention here as well. But such a solid card overall and I love having it in my wallet 👍
@@Daniel_Braun Solid shout on the 5 transactions! Not about if I can or cannot do them, but there's this invisible pressure to do it within the month!
An excellent and well explained video. Thank you.
Thanks so much Darlene! Appreciate the support
Frequent cruisers spending thousands of dollars could find the green card very valuable as it is one of the only cards which counts cruise line bookings as travel.
Although not a points card, the Citi Anywhere Costco Visa gets you 3% here as their travel category is broader than most and includes cruises, and it doesn't require use of a travel portal. For a card that got its extended warranty coverage nerfed last year, this still makes me hold onto the card alongside its 4% gas rewards.
Not sure if it fits here but Costco Citi card is something I would put it in S or A. Would be interesting to see what you think about it
Appareciate the ranking videos but can we get some chapters so we can jump to the ones that are actually relevant to us? Took me forever to find the section with my cards. Also would be nice if you could list all the cards reviewed in the description even if you dont write out the rankings.
How you're able to plug so many of your other detailed card/duo/trifecta videos shows what an impressive catalogue you've built. Love the content as usual!
Is it just me or has your editing style gone way up since 6 months ago?
Yup I’m applying for the Citi custom cash card for sure
Get approved?😂 I want it but I’m too scared
@@davidwaits4834I have it, one of my best cards
I think the Chase Freedom Unlimited should be in the A tier also because the only difference between the unlimited and the flex is the flex gets the quarterly cash back but everything else is pretty much the same
I think unlimited is better than flex since some categories I might not have any use for.
Considering changing my CFU to a CFF. Currently have a CSP as well. Can’t get a signup bonus right now. If Chase took out other categories on the CFU and gave it a base 2% cash back, it would be perfect IMO.
Got both, but I found sign up bonus online. Try to search again.
I love the Apple Card for the savings account that pays 4.5% interest per month. I don’t want travel points.
That's fine, but you have to pay taxes on that interest, you don't in travel points, it's also not the highest earning card.
@@RebelTvShkaif you don’t fly very often, travel points are useless. I’m in the same boat where I wouldn’t end up using the travel points so it would just be a waste of
Sofi is another banking service that offers 4.5% on savings.
Yeah, idk how you can talk about the Apple Card without talking about the savings account. It’s basically a high yield savings account with no fees or minimum balance. And idk how using Apple Pay is a detractor for 2% cash back when virtually every store accepts Apple Pay. The 3% cash back could use some sprucing up, but it’s not a D-level card.
You don't need an Apple card for a savings for 4.5%. You can get Savings accounts completely free that pay more than that. A credit card isn't why that is available AT ALL. It also doesn't offer anything special for a variety of cases outside maybe an apple purchase. So not much.
Don’t forget that there’s always a “up to” before any of those rewards
Apple Card at D is pretty harsh imo. These days 90% of places have Apple Pay as an option, even some sit down restaurants I’ve been to offer Apple Pay through QR codes on the receipt. 2% cash back is pretty average but good in the sense that it’s basically universal. Pair that with really straightforward UI/UX to manage your card and it’s really not that bad as a catch all card, or at least a secondary card.
amazing, thanks a lot!!
Crazy we have at least 1 of every tier and multiple a and b tier ones.definitely informative
Whew, that was alot of info and you pulled it off well. Thanks!
I think it’s interesting how good the Chase cards are, yet none of them are really S-Tier. Somehow they don’t quite make it but still deliver S-Tier value.
But this video is S-Tier. Well done Daniel!
The Sapphire Preferred is S-Tier easily
Straight to the point. Like it... New subscriber here...
I rock with my WF 2%. Hate having to keep track of everything, simple redemption once a month is all I need
Not a bad list but the sapphire reserve seems to be my favorite. Just the bonuses alone are worth over $1250 a year, TSA is worth a lot and it's 5x not 3x if bought through their rewards portal for traveling.
You also need to compare the different visa bonuses which is important for traveling and insurances.
To me the Saphire Reserve is by far the best - I make between $1500-2K a year using only this card and that's after my yearly premium payment for the card - but I pay the card off every month also....
I’m a simple guy, all I need is a 2% card for all categories. I don’t like switching cards for each payment.
The S-Tier Capital One Duo is underrated. I’ve been using these cards for a while and don’t really think I need any other card than these two.
what duo? savor and what?
@@vertigosun9267 venture x
Why didn't you cover Bank of America? Am I missing something?
They’re not good unless you have preferred rewards with them
A note of caution about the PayPal cashback mastercard: your credit limit is going to be a fraction of what you might expect, causing your utilization to spike if you use it as intended with the catch-all 2% rate
This happened to me too, not sure why Synchrony is so stingy with their limits
I have a 8000 dollar limit on it
I thought the credit bureaus took into consideration ALL your available credit? Like my Amex is $10k and another is 5k etc. They just look at the utilization percent per card?? Guess I should be asking for a credit increase.
@@neighner2392 They actually look at both
@@neighner2392 can never hurt to ask for one
Great video Daniel! Unfortunately for me the S tier cards with the Capital One cards are the ones I probably won’t be able to get since Capital One is too stingy with me. Otherwise I’d love to get those cards.
Just dropped my Amex Platinum last week to switch to Venture X. Glad you agree 😂
One thing that’s nice about the Apple Card is there’s a low barrier to entry and no fees. It was one of my first credit cards and as a college student it was really convenient in that regard. It’s not a great card now that I’m far removed from my college days but it was nice to have to build credit
Would you make a video on P2 strategy to get sign up bonuses. Including how to rotate and get referrals?
Yeah! Thats actually a video that I’m working on right now that should be out in a few weeks 👍
@@Daniel_Braun awesome thank you I'll turn on notifications!
Slightly unrelated but WHAT DO YOU USE TO EDIT?!?!? Holy smokes those transitions were beautiful and the Picture in Picture was chefs kiss
Haha thank you so much! Glad you liked it! Thats all thanks to my editor there - I am not as good with those kinds of effects if I edited on my own
Another great video!
straight to it I like this
HYSA for Apple Card is the reason I got it. The ease of moving money in and out is underrated.
I would not put the gold card and the black card in the same category as the Apple card. That’s crazy to do that. I would put it in the F column.
It might as well be in the same. Nothing really special about the apple card.
What are your thoughts on Bank of America Cash Back?
1% All Purchases
2% On Groceries
3% on your select category.
200$ welcome bonus
If you bank with BoA or use their investment branch Merill Edge, if you have 25k stored or higher, it improves the cash back. 100k is where it caps out.
Over 2% on all other purchases
Over 3%on Groceries
Over 5% on your select category.
Any thoughts on this?
I use BofA Premium Rewards card with $95 annual fee with $200 in Airport Incidental/TSA benefit and since I'm BofA Platinum tier I essentially get 3.5% back on travel and dining and 2.62% back on everything else. This is extremely hard to beat with anything else. All the other hoops and carrying a deck of cards just to maximize benefits seems stupid.
The big downside to this card was the cap on rewards, I believe capped at $2,500 in spending every quarter. If you spend more than $10k a year on your card, it ends up being less rewards (multiplied by how much more you spend, like if 50k/yr then it's a massive difference). Also the 2% on everything is way more for me personally. Random things like car insurance, house repairs, etc add up to more than the 1% difference in the one 3% category
Consider the standard Venture instead of the Venture X, it still has the 2x flight miles without the huge monthly fee.
great video 🤞🏼😁
Good video! I stick with no annual fee cards and I figure once I average it out I don't earn anymore than I would if I paid for a card like the amex or whatever. Gotta know how you personally spend money. I got the chase prime card, red card, citi double cash, citi costco visa, scheels card (only signed up for that bonus lol), discover card which I've had for ages, and a few local cards. Works for me because I know what I buy.
Bank of America travel rewards card?
You should rank airline credit cards! Ive always wondered if i made thw right decision.
I’m kind of surprised the AMEX blue cash preferred card wasn’t included🥴 I was hoping to see how you rank this card
It would go right alongside the Blue Cash Everyday in the B tier for me. It’s similar to that card and the main reason people should get it is if the math makes sense for their earnings to be worth the annual fee - that’s basically why I didn’t get to mention it. Very good card though for the right person that wants cash back!
For the Apple Card…Realistically in most of the US Apple Pay is accepted. Even at restaurants… 2% cash back is nice especially since they put it into a 4% APY savings account…. Plus the security is unmatched by any card. I don’t like how you didn’t mention those benefits. Besides that good video. I learned stuff
Love the video 📹 ❤️
Thank you!
@@Daniel_Braun you're welcome
Daniel, do you consider Chase UR points to be worth more than Cap One points/miles? Seems like the Cap One duo has better spending multipliers than Chase, but it’s all for naught if the points aren’t as useful/valuable! I know it depends on the use case but what’s your opinion? Thanks
Citi custom is s tier 5% back on any one category
Get another 2 citi cards and project change them to custom
Now you have 3 cards giving you 5% categories.
Then you get an aaa travel for 5% gas
Then the other aaa for 5% on groceries.
Thats now 5 categories at 5%
If you need more
Get us bank + which gives you 5% in 2 categories but have to activate each month.
If you need more get a different us bank card and project change them to us cash+ for
9 categories that will cover 95% of all your spending.
How so? I’m interested. Thank you
I thought they wouldn't do a product change to a card if you already have one of that kind??
I have 2 of them but I have heard of people having 4 of them. The best roi is chasing sign on bonuses for cards that cover a specific category that you will use. And just get 2 cards a year. I get 400+ dollars a year in sign on bonuses plus whatever my cards % I make.
The problem is everywhere I go now charges more money to use a cc so just having a card I get the sign on bonus with and throw the rest in the sock drawer. I have some cards I use 1-2x per year just so they cant close my accounts
I think the Boundless should go a bit higher. Marriott properties are much wider than Hyatt so it can help out in a pinch more easily
Great video Daniel! I have a better understanding of what cards I should apply to. I have question, Capital One offers a “Savor One for good credit” card for those who don’t qualify for the Savor One. What are your thoughts on cards for good credit that Capital One is offers? Is it worth applying for?
Thank you!
Could you do a video on how the credit age averages out? I’m a little confused on how it work. Will the age really matter if I leave a 5 year gap between card A and B? Or would a 6 month gap be better?
I actually explained this in a bit more detail with an example in the middle of this video here: ua-cam.com/video/3nxGdg8Wa4M/v-deo.html
Thoughts on the Ritz-Carlton?
Looks like I am hanging around B tier but 2 cards that I found that I never see in rankings on the two AAA credit cards. You don't need a membership for them and you can choose either one. The travel card is 5% on gas, 3% resturant/grocery, and 1% everything else along with no travel exchange fees. The Daily Advantage is 5% grocery, 3% pharmacy/gas, and 1% everythign else. I have one, my wife the other, and we rake in cashback with them like crazy.
Those sound amazing! I never heard of them. I got lucky that my bank, PNC, sold me on the PNC cash rewards, 4% gas 3% dining 2% grocery 1% everything else.
Remarkable that you cover so many so quickly. Would love to know how you rank BOA cards too. AAA cards?
Thanks! Haha yeah I tried to cover a lot here so I had to keep things moving. Obviously there's still a ton of cards that I could cover like those - I'd say for BoA cards like the Customized Cash and the AAA card, those would go in the B tier as solid cash back options. The thing about no annual fee cash back cards is that there's usually little to dislike, but the upside is limited compared to travel rewards. So those would be some examples of more solid B tier cards that I think are worth it for people on Team Cash Back!
Could you pay your property taxes with bilt? I don’t have rent/mortgage but maybe property taxes could be a good way to use that? Taxes are expensive here in NY
Can you do one of these credit card reviews for business cards?
I’m claiming first!!
Always honorary first no matter what CJ! 🥇 😂
Thoughts on Fidelity card?
What you think of Alaska airlines to get flight point or is venture just better. We just want to be able to fly cheaper. You have a video?
Wells will be bringing a new autograph for $95 a year but with x5 on travel and stuff will be really good. Employee here
Thanks for the comment! I’m really excited to see what Wells Fargo will be offering this year with new products!
Does the top card options in A also the preference I’m Australia too? ❤️
The citi double cash card does not have the standard welcome offer and you were lucky to find that it did when you were looking. I personally would rank the the Wells Fargo active cash above the double cash in A tier because it has the full time welcome bonus and it only takes $500 spent vs 1500 spent to get the $200 bonus on top of that.
Hi. Great Video. Have you got anything for people living in the EU countries ?
Opinion on the Sofi credit card?
Lounge access with the platinum card makes it worth it for us. It makes the worst part about traveling (the airports and layovers) more enjoyable. It also gives us TSA global for free and we take advantage of the monthly 15 dollar Uber eats credit.
They also always have great perks at the lounges Free alcohol, actually good food that is free and things like masseuses yes also free. It’s a great experience
with the capital one and discover (possible) merger, what do you think would happen with the discover cards? i’m finally at good credit to be able to consider a discover card.
Love your Penn state mug, do you think you can share your experience from Penn State Smeal?
Subscribed not because you told me to, but because you just got to the point right away lmao
You missed the Amex Blue Card Preferred, 6% on select streaming, 6% on US supermarkets, 3% at gas stations, 3% on any kind of public transit, and 1% for everything else. Plus 200$ welcome and first year no annual fee but after that is 95$
I'm still FIRST, But to business, I am right now carrying the CSP, CFU, Amex Gold, and VX which I recently picked up with 90K bonus. I am really loving my VX more than I thought I would, but I will see how it fairs after the first year. Your Ranking is about right! Great vid as always Daniel💥