TOP 8 Credit Cards of 2024
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- Опубліковано 26 гру 2023
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Rounding out 2023, these are the BEST credit cards to consider for both travel and cash back in 2024! From no annual fee cards to powerful trifectas, and flexible ways to use valuable points, these cards cover the range of options that will fit almost everyone’s wallets. So in this video, we break down cards across a variety of issuers, including Chase and Capital One, go through their perks and benefits, and why they may deserve a spot in your setup.
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Happy holidays! 🎉 Do you have any of the cards listed here? If so, share your thoughts below!
Happy Holidays to you too! Of the cards you mentioned I only have the Venture X (working on the SUB & already used the $300 credit for upcoming RT flights to Europe).
@@JoseSantiago-yq7co Nice! Do you have plans on how you'll use those C1 points?
@@KevinYang I travel to Europe in economy about three times a year (usually booking way in advance), so I might end up transferring them into Avios, Virgin or Flying Blue Miles if there is a transfer bonus that makes transferring Venture Miles cost effective. I have not found it easy to get greater than 1CPP for transatlantic economy flights. Alternative cash bookings that meet my needs are often available. Scandinavian Airlines has been quite good for my 2024 bookings ~$600. So there is a also good chance I will be using the travel eraser feature with those Venture Miles.
@@JoseSantiago-yq7co Gotcha, then have you checked out the Chase ecosystem? It's possible to regularly get 1.25 or 1.5 cpp booking travel through their portal depending on the Sapphire card you have
@@KevinYang Yup, had the Sapphire Reserved, but product changed it to avoid AF. Will have it again someday. Cashing in MRs for 1.583CPP to cover cash outlay for now while I still can in year 1 of the Biz Plat. Travel eraser on VX would be a last resort.
Thanks, this was a really good video, especially your explanation of your reasoning on the various Chase cards.
Glad you found it helpful, thanks for watching!
Great list Kevin! Lots of heavy hitters here. Definitely a lot of great cards that can get you a lot of value in 2024!
Thanks Stan! Here's hoping some of our predictions come true and even more options come out!
I am planning on applying for the Chase Ink Business Preferred (over the CSP) in the 2nd quarter of 2024.
It's a great card! I'm still debating which one I end up keeping for the long term...
hi, for hitting minimum spend on IHG and if I buy IHG pts with my Chase IHG Premier, will I get 26x per $1 for that purchase? thanks
As someone who’s had the CFF and CFU for years now, I earn much more on the CFF than I do on the CFU. 1.5% is better than 1%, and I have used it as a catchall card, but half the points that I have on it are from a period during the pandemic when my rental office waived credit card fees for using a credit card to pay rent. If it wasn’t for that, I’d have four times as many points from the CFF as I do from the CFU.
Same here, most of my regular spends fall into these categories, and so a catch-all doesn't actually handle that much, and especially not much if it's just a 0.5% difference! Thanks for sharing your experience!
The double points for 12 months offer they have right now on a new CFU app is a no brainer. Effectively 12% on dining and drug stores if you convert to a travel partner. 6% on everything else.
@@bman3020 It's really compelling for sure! But for low to moderate spenders, the regular welcome bonus could actually be better! That said, it's a straight forward calculation anyone can do to see which one is right for them!
This last quarter of 2023 I picked up the CFU, CBU, & VX and I've been using these mostly for the bonus. The Amex Gold is still my favorite and never leaves my wallet. Great Vid Kevin! (looking forward to see what's in your wallet for 1st qtr 2024)💥
Thanks for the support Mike! What're your thoughts on the Amex Gold vs Cap1 Savor One (if you've considered)?
@@KevinYang I've had my eyes on the Savor One and it's definitely a great card. I believe having the VX you could also transfer the points? its similar to the CSP/CFU set up. Cap1 has pre-appr for it and alway flashes the offer to me every time I log in. Maybe for the 2nd qtr 2024, we'll see
@@MikeMaye Yup! You can change your SavorOne cash back over to Venture miles at a 1cpp rate!
I have the CFU, CFF, CSP and VX… I have the Gold as well but am experiencing statement credit burnout at this point and might be switching from the Gold to the C1S1 next year….shall see at the end of 2024 as I think things will shake up a bit with Wells potentially entering the travel partner space and I can see other issuers having to pivot due to the competition.
Yeah the slightly higher earnings from the Amex Gold over the C1S1 may not be worth it if you factor in the additional mental load it takes... And totally agree, we'll have to see what Wells Fargo has up their sleeves
yessir i have the same card setup but no gold or c1s1.. will prob pick up the c1s1 for groceries soon depending on wells fargo’s release!
@@justinschai More people waiting for Wells Fargo haha! Either way, the C1S1 being a no annual fee card doesn't hurt!
Great video, but I would disagree about leaving the Freedom Unlimited out. With the two offers they currently still have for the 5X back on Gas & Groceries for first year and the Double Your Cash Back I would argue this card is better than the Freedom Flex.
Thanks for bringing that up! Totally agree, the Chase Freedom cards have some amazing welcome bonuses for entry, no annual fee cards! That said, the 5x back offer also exists on the Freedom Flex, and the double points on the Freedom Unlimited means you're giving up the typical welcome bonus, and requires you to spend a pretty significant amount just to even match that original bonus! In either case, and with all cards, it's really what fits a user's lifestyle! Thanks Matt!
Does bilt only apply with certain rental property agents or such? Could i use it for Paypay? Even thougu paypal charges a fee for friends and family?
Bilt works even outside their alliance (they send a cheque for you)
Would you recommend chase sapphire preferred or venture X? I currently only have an airline credit card but looking to get into more general purpose points game?
Responded in the other video! It's hard to lock down without knowing what lounges you have available in your home airport, and which transfer partners you care about!
hi, I heard funding a bank account count towards hitting min spend... what bank account do you recommend if I am hitting min spend with Chase cards? thanks
Hmm what do you mean by funding a bank account?
I don’t see a link to the video you mentioned at the end. Is it about Amex Platinum?
That's odd, yes it is!
I use my CFF for almost everything and hardly use my CSP after i earned my bonus points. Is this a bad usage? I just added BILT to get the rent benefits.
Depends what you use it on! For example, general travel CSP will get you 2x points whereas the CFF will only give you 1x
Kevin. What if you did a chase business Ink card in your chase trifecta with the freedom an a airline Expore United to get you into the United club lounge
So getting rid of the CSP in favor of keeping CIP? That's definitely something top of mind! I used to have the Explorer United card, but given the hub I'm at, I rarely if ever fly United. The Centurion lounge here in SeaTac is pretty good!
@@KevinYang would you recommend the Expore card my hub is ORD in I do use United from time to time
The United club lounge is here at ORD airport
I think business and first class redemptions put a finger on the scale of points travel. The fact is that if you where never going to pay full price for a first or business class seat then the fact that it's a 3-4cpp valuation is irrelevant because it's not saving you that amount of actual cash. It's only saving you what you would have spent on that flight, that being the economy price.
Very true! You can definitely reduce the cpp value according to what you feel comfortable in paying for those flights!
First!
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Your video is incredibly captivating! - "Achievement thrives on unwavering dedication.."
Great cards Kevin! Thanks for the overview!🫵
Thanks Cesar!