My FAVORITE Credit Cards | Your Rich BFF
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- Опубліковано 25 кві 2024
- Hey besties! One of the most common questions I get asked is, "What's your favorite credit card?" In this video, we are going to break down some of my favorite cards and why I love them to help you find the perfect card for your lifestyle! Want even more credit and credit card knowledge? Check out my new book, RICH AF, out now!
About Me
Your favorite Personal Finance & Investing Creator. Let’s talk about money, career, & getting rich. Learn more about my background in Finance on www.YourRichBFF.com and follow me for more smart money tips.
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I'm a huge fan of putting my credit card cash back into index funds ontop of what I already invest.
Would you please consider not putting the music in the background for your videos? It makes it much harder to hear what you are saying and it is also distracting
I actually didn’t notice the music until I saw your comment and now I can’t unhear it lol
So distracting!!!
I have heard from some financial gurus that AE will never compromise should you ever have to declare bankruptcy or go the non-profit credit counseling route. I’ve never had an AE card, but several of my close relatives do.
I love watching Your Rich BFF, Stock Brotha, & Everything Money. Love them all! ❤ ❤ ❤
Amazing comparison! I love my capital one venture x ❤️
Love this 😍 super useful
i love you already! THANK YOU, consider you my big sister with the good financial advice
Our mortgage is the only debt we have & Visa Costco card is the only credit card I have & use, cash back of $780 two months ago was a wonderful reward:) Thanks Vivian for posting💫🌻☀️
You didnt mention the best part of the Capital One X. There is a $300 travel credit. The card is $395 but $300 off the top equals $95 (you did mention the the 10,000 mile bonus worth $100 each year. Makes the card $-5) And that is before you get into any of the other perks like 2 miles for every dollar spent plus bonus points for different categories. I don't work for Capital One, but that wasn't an accurate review of that card.
Some inaccurate points you should highlight/rectify: the csr earning you mentioned of 5x - 10x with hotel and airline only applies if booked thru chase travel. Also, authorized users for amex plat and csr are $195 and $75 respectively and each will add your 5/24 to each player, critical if youre into the chase sub game
Listening😊❤ hi. Thanks for posting😊❤
Always excellent content, thank you, just fab 😇😊😀
Hawaii vacation seems attainable. Thank you. ❤ vlog. VG
Hey BFF, I have te chase sapphire preferred card. Love the points system with travel and other things . 😊
Hi Vivian, watching you right now on Women Of Impact and I'm officially a fan. ❤
Can you use the bilt card with your mortgage?
Thank you darling
Another great video
What is the second card you talked about after the bilt !
Thank you for sharing
The Karat card 😊
Can you use Bilt to pay your mortgage payments?
Great minds think alike. 😁🙃😉
great video. freedom unlimited is really all i need
What's the spending limit for the luxury cards though?
I have the Bank of America Travel Credit Card. I do not recommend purchasing plane tickets, etc. through those platforms. The prices are inflated.
The venture x annual fee is actually $395 not $350. I was like I didn’t know they lowered the annual fee lmao
We’ve had many credit cards in our lifetime, metal, platinum, gold, ultimately the best card are the ones we never pay subscription fees on, even if it is a basic one.
Amex Gold is my favorite ❤️
I have it and I don’t know the difference between the platinum
I wish there was an Australian version of this.
We use debit card or cash. We haven't had credit cards for almost 3 yrs, Never looking back. Next is paying off our houses. This has been working for us.
That’s awesome!!
You’re not getting any rewards
so why you here then...
Can Bilt work for paying Real Estate Taxes?
My setup is is the Wells Fargo Journey, Fidelity 2%, and IHG premier.
The Wells Fargo Autograph is a great Basic Travel card with no annual fee and no foreign transaction fee.
No disrespect but f_ck Wells Fargo
Seria genial traducir al español , tendrías muchos más seguidores!!!! Yo la primera ...me encantaría seguirte para aprender ...
Isn’t the venture x with a $395 annual fee?
Costco Visa Card 💯
I'm more likely to simply pay bills, buy groceries, and shop for wants than to travel or eat out. So something with great everyday cashback would be better for me. I wish the Petal card didn't mess me over.
I use cities double cash for my e regret spending. 1% buy 1% when psy
Savor one 3% groceries, dining, entertainment and streaming
Travel cards use “points” that they can play extreme games with since you have no idea their actual value. Cash back you know exactly what you’re getting…usually average 3-4% with cards I have.
The best credit card is no credit card. You can pay your credit card minimum with a cash advance from same or another credit card, just in case.
Amex gold didnt make it on the list😮 I love my gold amex ($250 fee) and the everyday (no fee) cards!
Are you investing in crypto? Can you talk about it?
The Venture X fee is actually $395 instead of $ 350
Cheers
Not sure i understand how credit cards work. Heard a lot of stories regarding credit cards and how it got certain people into more debt. My question is, how does a credit card work for someone who never owned one before?
Where a lot of people get into credit card debt is:
1) Not paying the full balance immediately
2) Using it to spend beyond their means because it doesn't seem as "real" as other kinds of transactions (cash, debit, etc.)
3) Unexpected loss of income after making large purchases on credit card, or unexpected life events (medical, etc.) that emergency savings won't cover (which they then cannot pay off right away).
The overarching thing is that if you do not pay the full balance each month, debt will accumulate. Interest rates are very high on most credit cards, even if you have a good credit score.
If you have no credit or bad credit, you will likely only qualify for a secured card of some kind (check out articles on it, but it's essentially a refundable deposit you pay in order to have the card. It's used to build credit, not to access money you wouldn't be able to access otherwise).
Hope this is helpful.
What happened to Networth & Chill? Are you done with the pod? 😢
It’s coming back as a video pod!! Just need some time to iron it out!
@@YourRichBFF just out of curiosity how many fuckin credit cards do u have 😅
PayPal cash back is just too good. 3% back on PayPal purchases, 2% back on everything else and it’s instantaneous.
Can a mortgage be paid with a BILT card?
No. Only rent u goof ball 🤪🤪
no but you can pay your HOA fees with it
what's the best credit card for building from really poor credit?
If you make an account at Credit Karma, (free) it will show you cards that you are highly likely to get approved for. They are very basic to start but once you get a card approved you can put small purchases on it and always pay on time even if it’s just the minimum every month. After some time you will see your scores improve and then you will be offered better cards with more perks. This has worked for me and my scores have now improved to where I can apply for some cards with better perks. I started with the Mission Lane card and then Ally. They both increased my credit line after a year of on time payments. Good luck!
Side 👀
Music is distracting!! Your voice is much more important than music
How about a poor man's credit card? No fees!
There are 2 credit cards at the end she mentions that has no fees.
There are many credit cards without annual fees! Chase freedom & unlimited. The regular Amex card.
Apple credit card is my favorite 💯
The best credit card is no credit card 😂
This woman isnt ptetyy enough to scam men for dates every day