What would be your "one card"? Also, let me know if you like the format of this video. I'd love to do more collaborations like this one! Big thanks to Sebastian, Yanely, Jason, Dustin, and David for sharing their thoughts! 😎
THIS WAS A WONDERFUL VIDEO. ive been thinking about this a lot lately. knowing my two card setup would be amex platinum schwab and amex rose gold card. i think to choose one i would have to use the amex rose gold. personally love the exclusive color. enjoy amex all around and find the points to be flexible with travel by using transfer partners. also most of my budget gets spent on food via groceries and restaurants which the amex rose gold covers with a 4x back! that combined with the schwab cash out rate of 1.25 cents per point is ideal to always get equilavent to 5% back at the least. Thanks for the video again and love love the collaboration!
Thank you for taking the time to contribute! I honestly loved your card pick too. I'm now considering getting the Amex Hilton Aspire before our next big trip. 😊
I totally agree that we need a better superhero name. I think it should also capture the finance world (beyond credit cards) that MissBeHelpful and BeatTheBush cover regularly. “Credit Warriors” is a phrase that The Credit Shifu uses at the beginning of his videos.
Man this video came out great. Honored to share the battlefield with you all. Lets do this again. Thanks again Ernest for all the efforts of coordination, & editing!
These collaborations are phenomenal. Huge props for featuring some awesome content creators whose channels I love watching! If I had to choose only one credit card, it would be the Costco Anywhere Visa by Citi (a cash back card). You earn 3% on travel and dining, and 4% on gas. These cover categories that I take advantage of on just one card (the Uber Visa doesn’t cover gas; rideshares are expensive and driving is still a better option where I live). Although the 2% back category is only for Costco, you can still get better value on some goods compared to what you might find in a regular supermarket. In terms of benefits, the Costco Visa offers a solid collection for one card. For travel, you get no foreign transaction fees, trip cancellation/interruption protection (some consider Citi’s version to be one of the better ones among credit cards), and primary CDW for international car rentals (secondary in the U.S.). Citi’s shopping protections are top-notch. They offer extended warranty for 2 years, Citi Price Rewind, and purchase protection. Although you can only redeem rewards once a year, you feel happy when you see a huge amount of cash back at once as opposed to seeing a monthly summary. And, depending on your spending patterns, you’ll still enjoy a substantial amount of cash back, even considering that the 2% is only for Costco purchases and 1% is for everything else.
Sapphire Reserve. Waived annual fee due to active duty. All of the perks, with none of the fees. Besides, I haven’t paid for a ticket or hotel in quite a while.
Yeah, I actually love my Amex Gold too. Though I still prefer Chase UR points over Amex MR. Though it really depends on a person's travel style and spending. 🤓
They dont accept amex at Costco tho. If they did I'd agree. Lose alot of money shopping at a regular grocery store, the 4x cant make up for . It would be a beast if I could use it tho but 2x will do for now.
My 2nd favorite card. 4x on USA dinning, 4x on USA groceries (up to $2083 per month or $25,000 per year), 3x on airfare, $100 hotel collection credit, and multiple Amex offers. If it wasn't for the USA restrictions and limitations, it would be my #1 card.
Awesome video , I’ve been watching all of those channels for years , along with yours Ernest. I can’t thank you all enough for all I have learned about credit cards , “ thanks to all of you I have accumulated over a million plus points since two years ago . Knowledge is powerful 👍😎✨🌟✨✨✨✨⭐️
Thanks! That means a lot. I love this community as well. I learn so much from watching these guys (and gals) too. It so awesome to get their perspectives and viewpoints. 👍
Well done Ernest! Excellent job networking some of the best in the biz. I have been following some of the other channels from the beginning (yours included) and have added the others I did not know about. I’m sure Credit Sifu was busy but keep bugging him for a collab. Ask Sebby and Credit Sifu had a great one together showed on both their channels. Keep up the great work. My goto is the CSR and Hilton Aspire. Can’t go wrong.
Wow! That was an awesome video! Great to see all of you collaborating in one video and yes, I've learned a lot and even found some new UA-camrs that I didn't know about. Thank you Ernest!
I like the collaboration. I subscribe to all those other channels. For those unfamiliar with them, this was a great introduction. I wouldn't mind seeing a few more. That said, I watch each channel for a different perspective. I wouldn't want a steady diet of collaborative videos. A periodic one, though, would be welcome.
Awesome video.! I think I would go with Either the Amex Platinum or Aspire. Only because the Centurion lounge and the transfer partners. That's a tough one. Reserve is awesome too. 😩 Kudos to everyone for being able to bring it down to just one card.
Yeah, I absolutely loved Sebby's breakdown on the Amex Hilton Honors Aspire. After watching his segment, it definitely made me think about applying for the card too. 🤓
Trip Astute yes definitely. I'll have to wait for that one until I finish my Chase Run. I'm currently sitting at 4/24 going after my final Ink card. The Ink Unlimited.
I have CSR since the beginning when the bonus was 100K. It's been great since we travel overseas once annually and several shorter holiday trips every year. So easy to earn back $300. Lounge access in maybe overseas airports have been awesome. I now also have the Freedom card just for the quarterly bonus.
I agree that the Chase Sapphire Reserve is an excellent card. The $300 reimbursement for travel (Chase being very liberal about their definition of "travel" expenses and that is a good thing). The TSA precheck or Global Entry reimbursement is great ($85/$100 value). The Priority Pass ($100) is good if your main airport is one with one of their lounges (but you need to have the membership card on you and pay extra if you have a party of more than 3). The travel insurance, auto insurance for rental cars, trip delays (~$500 per ticket), lost luggage insurance, etc. is that extra bit that makes it worth to keep. I got it when it had 150,000 point sign up and never regretted it.
I am with Sebby! I would also keep my Hilton Apsire. The card is so worh it in many ways with highest hotel status, airline credit, hotel credit, priority pass and high earning point multipliers. You just cant beat it, best overall card my opinion.
With my current spending habits in mind, I would go with the Uber Visa Card. No annual fee and high cash back rates for categories that see most of my spending. Cellphone protection is also a great perk with phone prices these days. Ironically, even though I would pick this as my one card, I don’t currently have it and don’t plan on getting it either 🤣.
Outstanding video! Shocked that nobody chose the CNB Crystal-you could come out much further ahead in the long run than any other card. Best all around multipliers and $100 discount per domestic flight for two. Thanks again for your awesome content, Ernest!
Now I don't know whether to upgrade my no annual fee Amex Hilton card to the Ascend, and then apply for the Aspire; or apply for the Ascend, upgrade my Amex Hilton to a second Ascend, and then apply for the Aspire. Too many choices!
I love the collaboration format. Look forward to future collaboration videos on other topics. Most of my expertise has been from all the channels you identified. My one card of choice would be the chase sappire preferred. However, at some point I will product change it to the Reserve.
I knew most of the presenters, and though none picked the card I ended up with as my one go-to, many of them liked it a lot--the Capitol One Venture X. It gives 2 points back on everything (no categories to remember), and offers $400 in points and travel credits per year--besting the $395 annual fee by $5. Priority Pass is included, as is TSA PRE credit. All the cards mentioned are solid, but I'm enjoying this as my main one.
I love the Capital One Venture X card as well. It's my new primary card at the moment, and it seems to offer the most value to me (i.e., based on our current travel preferences and situation).
Picking only one credit card is hard to do. But I would probably pick the Amex Marriott Bonvoy card as I could get more than the annual fee back (Free Night) and I could use my points for more than just myself. Hotels in my opinion can be more than flights, especially for places like Ski Resorts.
I didn't knew about does channels until now. I always watch ask sebby and the credit shifu does were the 2 UA-cam channels that help me get started on credit cards and actually help me understand about credit cards. I always recomend them to people, but I'm deffenely going to check the other channels. I'm also subscribing to your channel I watch 2 of your video and love them
Thanks Emileo! Ask Sebby and Credit Shifu are definitely awesome UA-camrs. I love the content creators in this space since we all have our own opinions and preferences, which is healthy and useful for those that are also interested in this hobby. 😊
The CSR is still the best single travel card out there. The combination of points earning, redemption flexibility, insurances, and lounge access is top notch. Although I think the citi prestige is a contender in this. I don’t have much interest in the card in the real world. But with this hypothetical 1 card situation it’s really strong. Good point earning, lounge access, the best travel insurance, 4th night free. The knock on it though, is the more expensive effective annual fee and less valuable points and transfer options compared to the CSR.
If I had to pick 1 card, it would be the Citi Thankyou Premier. Only $95 annual fee, 3x on car gas, 3x on all forms of travel, 2x on entertainment, 2x on dinning, and it can be used on Plastiq to pay rent/mortgage.
Waller’s Wallet has a video on two-card setups and one of them was the CSR and Freedom Unlimited. Two cards can be a good sweet spot for simplifying your credit card system and optimizing rewards.
Thanks! Glad you enjoyed the video format. It's really an exciting time to be getting into the points and miles hobby too, especially with all the information on UA-cam. Each of us has different perspectives and ideas, so it's good to get a diversity of opinion. 😊
Would love to see this as an annual collaboration - include also credit shifu, travel explore click, brian jung, points pointers, graham stephan, as well as newcomers to the credit card youtube community each year
I'll never understand the "start off with CSP" mentality. Just get CSR, Amex Gold, or Altitude Reserve right off the bat. For pretty much everyone, the additional benefits greatly outweigh the meager difference in effective annual fees.
I think the "sticker shock" with the annual fee can be hard, especially for those getting started. While I agree with your assessment, I think the thought of paying $450 upfront for a credit card can be tough to swallow, especially when you're new to the hobby.
@@TripAstute Thanks for the reply. I forget but am constantly reminded when trying to explain these things to my wife, that those of us that think rationally about this hobby are somehow in the vast minority.
Hmm its tough to pick just one card, but I think if I had to pick just one, it would be the CNB crystal visa... It has a great unlimited priority pass (for 2 cardholders), three free authorized users, points are worth 1.3 cents per point in their travel portal, earn rates are 3x on dining, travel, etc. similar to the CSR, has the unlimited visa infinite $100 companion credit, $250 airline incidentals credit *per cardholder* and I don't believe requires selecting the airline (unlike amexes), also includes 12 gogo inflight wifi passes, free boingo wifi, travel protections, primary car rental insurance... Also if this were my only card its possible we might actually end up hitting that high $50k spending requirement which would get another $550 airline lounge statement credit (so that would actually be a free membership to any airline lounge of choice each year)... Also as a VISA it is more widely accepted worldwide than amex...
The Blue Cash Preferred is a great card! I've had it in the past, and I'm considering product changing back to it. That 6% bonus category for groceries is fantastic. 👍
Had every major card for travel and points. So far my Costco Card has given more more cash back than any of the Amex/Citi/Chase/Discover. Which works better for me than the lounges ect.
I’ll be honest ... I learned so much by also watching these segments too. I’ve not given the US Bank Altitude Reserve and Amex Hilton Honors Aspire much consideration, but after seeing how others are using it, I’m very interested. 😊
Trip Astute Hilton Aspire does seem like a no brainer if you just look at the number. The only trick is the limit on the selection of the hotels and resorts where the $250 resort credit will apply
For me its either the Amex Gold, x4 dining and groceries plus grocery stores have tons of gift cards so thats x4 on amazon, gamestop, even airlines. Also amazon has gift cards too. I've been able to get x4 on 90% on my spend just by being creative. Or The World of Hyatt. Hyatt is probably the best transfer partner for Chase UR points it gets a free night so I'm already getting positive value and their multipliers are the best out of most hotel cards
There simply isn't a one card approach IMO, I cannot even think which of my cards I would keep if I were to only have one. Well, AMEX Gold perhaps? It's a powerhouse for sure!
I just find it weird how Chase made an amazing design with the Chase Saphire Reserve and then they go on and mess it up. The bigger text and Chase text missing makes it look dumb.
I have the Amex Marriott Bonvoy business card, Saphire Preferred and Amex gold. I have to go with the Amex Hilton Aspire card, it's a great card with numerous benefits, can't go wrong.
Great idea for this video, Ernest! Like everyone was saying, this was like the Avengers:End Game but for credit cards. Very exciting. If I had to pick one card, it would have to be the American Express Gold Card. The 4x bonus categories and the $220 in credits make this card worth it to me. Only thing that I would change is the travel protections that @Waller's Wallet mentioned in his video. If somethings goes wrong, American Express doesn't have your back. :( Luckily, out of all the vacations I have taken in my 33 years on this Earth, I have never had to cancel a trip or been delayed. So, I feel like missing out on this benefit is fine with me. And I don't do much foreign travel. I am very interested in Chase credit cards, but I am over my 5/24. I'll have to wait 2 years quietly. Keep up the nice work for all your fans and happy travels.
Thanks Joseph! Glad you enjoyed the video. The Amex Gold is a great card! I don't know if I will keep it (since I have a preference for Chase points), but it has earned me a ton of Amex MR points with its bonus categories. 👍
The Chase Sapphire Preferred I would upgrade to Reserve if not for that $450 annual. I think the $300 travel credit is once. If it's every year. The. That's not too bad .
It's not bad, but depending on the amount of travel that you do, you might be better off earning a flexible points currency like Chase UR or Amex MR. A lot of folks are able to get more value from these types of programs since you are often able to redeem each point at a higher value than you would when you're locked into a specific brand. That being said, it's also a lot more work to manage these point programs. 😄
Sorry Trip Astute for commenting so late as we have Hockey playoffs and Basketball plus jobs there aren't enough hours in the day. The 1 credit card I would pick for travel would be Capitol1 Venture1 For cash back would either be Discover or American Express basic blue cash card. I have a couple questions if an airline has a one world alliance can you transfer miles to that airline and fly on it's partner? example let's say United is an alliance of Avianco as we all know Venture miles don't have any transfer partners to US carriers. so Can I transfer miles to Avianco and then fly on Delta or United whoever is an alliance? is this possibile? only 1 question.
Hi Mark! In theory, you should be able to do it. Though there are cases where an airline will limit the award flight availability for partner flights, so make sure you scope it out before transferring the points over (to be safe). 🤓
That's a tough question. There's a lot of things that you would have to consider, like: Do you travel abroad often? What are your primary spending categories? etc. If you'd like me to review your situation, check out free card consultation service: ua-cam.com/video/vnpK3Qh_Y2A/v-deo.html
@@Mr19853 The Discover More/It gives you 5% cash back on rotating categorys gas , uber and Lyft is quarter number 2 they usually have restaurants, American Express basic blue cash card gives 3% on grocery stores , 2% at gas stations and department stores like Macys, Nordstorm's and Kohls NOT Walmart or target.1on all other category's Us Bank allows you to pick from a list 2 category's for the 5% and 1 category of 2% The Citi double cash gives you 2% cash back 1 as you charge and 1 on whatever you pay back. Bank of America cash rewards 2% on grocery stores, 2 on Whole sale clubs and 3% from a list that you can choose from Gas was the original category until January 12th came around. Capitol1 Savor1 3% on dining and entertainment 2 on grocery stores so you have a capitol1 Citi Double cash American Express basic blue cash Discover US bank Bank of America cash rewards. any more questions let Trip Astute know.
What would be your "one card"? Also, let me know if you like the format of this video. I'd love to do more collaborations like this one!
Big thanks to Sebastian, Yanely, Jason, Dustin, and David for sharing their thoughts! 😎
THIS WAS A WONDERFUL VIDEO. ive been thinking about this a lot lately. knowing my two card setup would be amex platinum schwab and amex rose gold card. i think to choose one i would have to use the amex rose gold. personally love the exclusive color. enjoy amex all around and find the points to be flexible with travel by using transfer partners. also most of my budget gets spent on food via groceries and restaurants which the amex rose gold covers with a 4x back! that combined with the schwab cash out rate of 1.25 cents per point is ideal to always get equilavent to 5% back at the least. Thanks for the video again and love love the collaboration!
If I could only have one credit card, it would be the Chase Sapphire Reserve. If I could just have 3 only, it would be the Chase Trifecta.
Thanks for putting this together, Ernest! So hard to pick just one card. I have all of the ones mentioned in the video. 😂
Thank you for taking the time to contribute! I honestly loved your card pick too. I'm now considering getting the Amex Hilton Aspire before our next big trip. 😊
You're just a P
I thought you downgraded the CSP?
This video is like watching a UA-cam travel version of the Avengers. It's got all my favorite characters! Thanks for putting the team together, Cap.
Credit warriors … assemble!
Ha! I love this comment. I definitely need a cooler superhero name though. Oh, and Sebby is definitely the most powerful one of all of us. 😄
I totally agree that we need a better superhero name. I think it should also capture the finance world (beyond credit cards) that MissBeHelpful and BeatTheBush cover regularly. “Credit Warriors” is a phrase that The Credit Shifu uses at the beginning of his videos.
Me too :)
Thanks for having me be part of this collaboration, Ernest! Some great card selections!
Thanks for being a part of it! I really appreciate you taking the time too. 😊
This video was like _The Avengers_ but for credit cards LOL Only missing The Credit Shifu!
Thanks. I really wanted Credit Shifu to participate too! 😊
Credit shifu is Thanos!!! 😂
Man this video came out great. Honored to share the battlefield with you all. Lets do this again. Thanks again Ernest for all the efforts of coordination, & editing!
Thanks Jason! I appreciate you taking the time to contribute as well. I'm looking forward to doing more of these videos in the future. 😊
Great collab video! Would love to see more like this! My fav is CSR.
Thanks! Glad you liked the collaboration! 😊
These collaborations are phenomenal. Huge props for featuring some awesome content creators whose channels I love watching!
If I had to choose only one credit card, it would be the Costco Anywhere Visa by Citi (a cash back card).
You earn 3% on travel and dining, and 4% on gas. These cover categories that I take advantage of on just one card (the Uber Visa doesn’t cover gas; rideshares are expensive and driving is still a better option where I live).
Although the 2% back category is only for Costco, you can still get better value on some goods compared to what you might find in a regular supermarket.
In terms of benefits, the Costco Visa offers a solid collection for one card. For travel, you get no foreign transaction fees, trip cancellation/interruption protection (some consider Citi’s version to be one of the better ones among credit cards), and primary CDW for international car rentals (secondary in the U.S.). Citi’s shopping protections are top-notch. They offer extended warranty for 2 years, Citi Price Rewind, and purchase protection.
Although you can only redeem rewards once a year, you feel happy when you see a huge amount of cash back at once as opposed to seeing a monthly summary. And, depending on your spending patterns, you’ll still enjoy a substantial amount of cash back, even considering that the 2% is only for Costco purchases and 1% is for everything else.
The Costco card is amazing! In fact, I was just having a coffee with a friend of mine, and he was telling me how it's his "one card". 👍
Sapphire Reserve. Waived annual fee due to active duty. All of the perks, with none of the fees. Besides, I haven’t paid for a ticket or hotel in quite a while.
Thank you for your service! Sapphire Reserve with no annual fee is an incredible deal too. It's an awesome perk for being on active duty. 😎
rah. i have the aspire card waived son
Thats for putting this together Ernest.
Thanks Jason! Always love collaborating with you. 👍
Amex Gold. 4x on Supermarkets is a no-brainer. Everyone needs food to survive.
Yeah, I actually love my Amex Gold too. Though I still prefer Chase UR points over Amex MR. Though it really depends on a person's travel style and spending. 🤓
They dont accept amex at Costco tho. If they did I'd agree. Lose alot of money shopping at a regular grocery store, the 4x cant make up for . It would be a beast if I could use it tho but 2x will do for now.
My 2nd favorite card. 4x on USA dinning, 4x on USA groceries (up to $2083 per month or $25,000 per year), 3x on airfare, $100 hotel collection credit, and multiple Amex offers.
If it wasn't for the USA restrictions and limitations, it would be my #1 card.
That’s what gardening, fishing, and hunting is for.
Luv the Collaboration, strengthening the community.
Thanks Ruel! Glad you enjoyed it. 😊
Subscribed. Also the format is amazing. Instead of me having to browse 8 individual channels, I can find the info in one video.
Thanks! Glad you enjoyed the video and collaboration. 😊
Awesome video , I’ve been watching all of those channels for years , along with yours Ernest.
I can’t thank you all enough for all I have learned about credit cards , “ thanks to all of you I have accumulated over a million plus points since two years ago .
Knowledge is powerful 👍😎✨🌟✨✨✨✨⭐️
Thanks! That means a lot. I love this community as well. I learn so much from watching these guys (and gals) too. It so awesome to get their perspectives and viewpoints. 👍
Well done Ernest! Excellent job networking some of the best in the biz. I have been following some of the other channels from the beginning (yours included) and have added the others I did not know about. I’m sure Credit Sifu was busy but keep bugging him for a collab. Ask Sebby and Credit Sifu had a great one together showed on both their channels. Keep up the great work. My goto is the CSR and Hilton Aspire. Can’t go wrong.
Thanks! I appreciate all the support. Definitely would love to get Credit Shifu included on a future collaboration. 😊
Wow! That was an awesome video!
Great to see all of you collaborating in one video and yes, I've learned a lot and even found some new UA-camrs that I didn't know about. Thank you Ernest!
Thanks Bobby! Glad you enjoyed the collaboration and video. 😊
I like the collaboration. I subscribe to all those other channels. For those unfamiliar with them, this was a great introduction. I wouldn't mind seeing a few more. That said, I watch each channel for a different perspective. I wouldn't want a steady diet of collaborative videos. A periodic one, though, would be welcome.
Awesome. Thanks for the feedback. Will definitely try to do more of these collaborations in the future. 😊
Barclaycard Arrival Plus World Elite Mastercard. If this is the Avengers...this card may be Ant Man....but damnit Ant Man has a place at the table!
Ha! I was initially leaning toward a flat-rate card. They are very useful and versatile when it comes to redemptions. 👍
I like the format and would love to be a guest on your channel.
Let’s definitely do a collaboration in the future! 👍
Ahhhhh!!! @missbehelpful! What a nice surprise to see you on this video!
I was so happy that she agreed to participate too! 😊
What an awesome video idea👍🏾👍🏾👍🏾👍🏾
You always have great content!
Thanks! I really appreciate all the support. 😊
Awesome video.! I think I would go with Either the Amex Platinum or Aspire. Only because the Centurion lounge and the transfer partners. That's a tough one. Reserve is awesome too. 😩 Kudos to everyone for being able to bring it down to just one card.
Yeah, I absolutely loved Sebby's breakdown on the Amex Hilton Honors Aspire. After watching his segment, it definitely made me think about applying for the card too. 🤓
Trip Astute yes definitely. I'll have to wait for that one until I finish my Chase Run. I'm currently sitting at 4/24 going after my final Ink card. The Ink Unlimited.
Excellent video! Pretty smart to get input from other travel vloggers 🤙🏼🤙🏼
Thanks! Glad you enjoyed the video and collaboration. 😊
I have CSR since the beginning when the bonus was 100K. It's been great since we travel overseas once annually and several shorter holiday trips every year. So easy to earn back $300. Lounge access in maybe overseas airports have been awesome. I now also have the Freedom card just for the quarterly bonus.
That 100K bonus was incredible! I think Chase reported two years of losses because of it. 😄
The collaboration vid was great! Keep them coming!
Thanks! 👍
I agree that the Chase Sapphire Reserve is an excellent card. The $300 reimbursement for travel (Chase being very liberal about their definition of "travel" expenses and that is a good thing). The TSA precheck or Global Entry reimbursement is great ($85/$100 value). The Priority Pass ($100) is good if your main airport is one with one of their lounges (but you need to have the membership card on you and pay extra if you have a party of more than 3). The travel insurance, auto insurance for rental cars, trip delays (~$500 per ticket), lost luggage insurance, etc. is that extra bit that makes it worth to keep. I got it when it had 150,000 point sign up and never regretted it.
Totally agree! 😊
I am with Sebby! I would also keep my Hilton Apsire. The card is so worh it in many ways with highest hotel status, airline credit, hotel credit, priority pass and high earning point multipliers. You just cant beat it, best overall card my opinion.
Yeah, the Amex Hilton Aspire is great. I’m definitely considering it as well, especially before our next big trip. 👍
This was a great collaboration video enjoyed it. 💳 my fav is my workhorse Usbank Cash Plus Visa Signature 5%,2%&1%
Love my US Bank Cash+ card too! It's a great cash back card. 👍
With my current spending habits in mind, I would go with the Uber Visa Card. No annual fee and high cash back rates for categories that see most of my spending. Cellphone protection is also a great perk with phone prices these days.
Ironically, even though I would pick this as my one card, I don’t currently have it and don’t plan on getting it either 🤣.
Yeah, the Uber card is an awesome card. It's one that I recommend too, though I have no personal experience with it. 😄
Outstanding video!
Shocked that nobody chose the CNB Crystal-you could come out much further ahead in the long run than any other card. Best all around multipliers and $100 discount per domestic flight for two.
Thanks again for your awesome content, Ernest!
Thanks George! The CNB Crystal is definitely an interesting card too. Definitely a potential contender for a "one card." 😊
My one card would either be the Amex Hilton Aspire or the Chase Sapphire Reserve. I'm getting both of them before the end of Q2'19.
Those are both awesome cards! After seeing Sebby's segment and breakdown, I'm honestly considering the Amex Hilton Honors Aspire as well. 👍
Now I don't know whether to upgrade my no annual fee Amex Hilton card to the Ascend, and then apply for the Aspire; or apply for the Ascend, upgrade my Amex Hilton to a second Ascend, and then apply for the Aspire. Too many choices!
What an amazing video. The cool thing is that I was already subscribed to everyone
Very cool! Glad you enjoyed the video. 😊
Cool video! If I could only have one it would be the trusty CSR, it’s definitely the most versatile.
Thanks! Love my CSR too. 😊
Excellent Video! Genius idea to make. Keep up the good material!
Thanks! Glad you enjoyed the collaboration. 😊
I love the collaboration format. Look forward to future collaboration videos on other topics. Most of my expertise has been from all the channels you identified. My one card of choice would be the chase sappire preferred. However, at some point I will product change it to the Reserve.
Thanks! Glad you enjoyed the format. The CSP is a great "one card" choice too! 👍
...great collabo All-Star lineup! It shows great unity amongst the credit card gurus.
Thanks Earl! Glad you enjoyed the video and collaboration. 😊
I knew most of the presenters, and though none picked the card I ended up with as my one go-to, many of them liked it a lot--the Capitol One Venture X. It gives 2 points back on everything (no categories to remember), and offers $400 in points and travel credits per year--besting the $395 annual fee by $5. Priority Pass is included, as is TSA PRE credit. All the cards mentioned are solid, but I'm enjoying this as my main one.
I love the Capital One Venture X card as well. It's my new primary card at the moment, and it seems to offer the most value to me (i.e., based on our current travel preferences and situation).
Picking only one credit card is hard to do. But I would probably pick the Amex Marriott Bonvoy card as I could get more than the annual fee back (Free Night) and I could use my points for more than just myself. Hotels in my opinion can be more than flights, especially for places like Ski Resorts.
I agree. Hotel cards are generally more valuable than airline cards to me. The Amex Marriott Bonvoy is a great choice! 👍
This is awesome Trip Astute!! All my favorite you-tuber in one video.
Awesome. Glad you enjoyed the video! 😊
I didn't knew about does channels until now. I always watch ask sebby and the credit shifu does were the 2 UA-cam channels that help me get started on credit cards and actually help me understand about credit cards. I always recomend them to people, but I'm deffenely going to check the other channels. I'm also subscribing to your channel I watch 2 of your video and love them
Thanks Emileo! Ask Sebby and Credit Shifu are definitely awesome UA-camrs. I love the content creators in this space since we all have our own opinions and preferences, which is healthy and useful for those that are also interested in this hobby. 😊
Easy answer - CNB Crystal card: better credits, better earnings, better Priority Pass than CSR. So much for the “experts”...j/k.
😂😂
Ha! I love it. 😄
Great video Ernest! I love my Chase Sapphire Preferred Card.
Thanks Lisa! The Chase Sapphire Preferred is an awesome card too. Definitely one of the most powerful travel cards on the market. 😊
Great video! Awesome collaboration 😜!
Thanks! It was a lot of fun to put together. 😊
The CSR is still the best single travel card out there. The combination of points earning, redemption flexibility, insurances, and lounge access is top notch. Although I think the citi prestige is a contender in this. I don’t have much interest in the card in the real world. But with this hypothetical 1 card situation it’s really strong. Good point earning, lounge access, the best travel insurance, 4th night free. The knock on it though, is the more expensive effective annual fee and less valuable points and transfer options compared to the CSR.
Great point! The Citi Prestige is definitely a contender as well. 👍
Missing one more solid channel, The Credit Shifu! Whats up credit warriors?!
I did ask him to participate 😉
If I had to pick 1 card, it would be the Citi Thankyou Premier. Only $95 annual fee, 3x on car gas, 3x on all forms of travel, 2x on entertainment, 2x on dinning, and it can be used on Plastiq to pay rent/mortgage.
Nice pick! 👍
Great idea for a video. I'm torn between my CSR and Unlimited.
Thanks Davish! Both are definitely great cards. 👍
Waller’s Wallet has a video on two-card setups and one of them was the CSR and Freedom Unlimited. Two cards can be a good sweet spot for simplifying your credit card system and optimizing rewards.
@@VincentPascual Thanks. I already have a few cards I was just torn trying to pick one.
Great idea on a new video! Love your channel.
Thanks! I appreciate all the support. 😊
Awesome video! Love the collaboration.
Thanks! Glad you enjoyed the video. 😊
Aspire was a no brainer #1 but not anymore . Now I’d say the CSR for general spend with ur transferability or Amex gold for foodies
Nice to see you link up with Yanely and Sebby here. Nice!
Thanks! I was very happy to collaborate with such a talented and diverse group of creators. 😎
👋🏼 great video. I had to subscribe
Thanks! Glad you enjoyed the video. 😊
Excellent video, such a good idea!
Thanks! 😊
Great video! Rather enjoyed this...helpful for my 2020 CC plan.
Thanks! Glad the video was helpful. 😊
Love this video and format! As a newbie, my family is excited to learn all there are to the points strategies!
Thanks! Glad you enjoyed the video format. It's really an exciting time to be getting into the points and miles hobby too, especially with all the information on UA-cam. Each of us has different perspectives and ideas, so it's good to get a diversity of opinion. 😊
I don't have it but the US Bank as a credit card where you pick your 5% categories I think that one might be the best for that reason
I agree. The US Bank Cash+ is a very useful and versatile card! 👍
Citi Prestige or Chase Sapphire Reserve. I love this video!
Thanks Kenneth! Those are both powerhouse travel cards. 👍
Awesome video... wish their were more collaborations like this
Thanks! I'm definitely hoping to do more collaborations like this in the future. 😊
Would love to see this as an annual collaboration - include also credit shifu, travel explore click, brian jung, points pointers, graham stephan, as well as newcomers to the credit card youtube community each year
Yeah, I might have start planning for next year. There are a lot of great content creators in this space now! 😊
Love my Sapphire Reserve! High annual cost, but the travel credit and airport lounge access makes up for it.
Totally agree! Even though my Gold Card has cannibalized a lot of my CSR spending, I still get so much value from the card. 🤓
If I had to pick one card it would be the Chase Sapphire Preferred Card. It's the best for me for my budget. 👌🏾👌🏾👌🏾
That's a great card! 👍
This video is awesome! Thank you for giving me new UA-camrs to subscribe to!👌😁👍
Thanks! Glad you enjoyed the collaboration. 😊
I would pick CSR.
CSR is awesome! 👍
Very well done! Like a credit card influencer party lol
Thanks! It was a lot of fun putting this video together. 😊
@@TripAstute Cheers!
I'll never understand the "start off with CSP" mentality. Just get CSR, Amex Gold, or Altitude Reserve right off the bat. For pretty much everyone, the additional benefits greatly outweigh the meager difference in effective annual fees.
I think the "sticker shock" with the annual fee can be hard, especially for those getting started. While I agree with your assessment, I think the thought of paying $450 upfront for a credit card can be tough to swallow, especially when you're new to the hobby.
@@TripAstute Thanks for the reply. I forget but am constantly reminded when trying to explain these things to my wife, that those of us that think rationally about this hobby are somehow in the vast minority.
ty for this video, also want to thank all the other yourtubers who got stright to the point then the long winded ones! they know who they are haha!
Thanks for checking out the video! 😊
Great way to share the love and knowledge Earnest.
Thanks! Glad you enjoyed the video. 😊
Please more collaborations it’s so awesome
Thanks! Glad you enjoyed the collaboration. 😊
Hmm its tough to pick just one card, but I think if I had to pick just one, it would be the CNB crystal visa... It has a great unlimited priority pass (for 2 cardholders), three free authorized users, points are worth 1.3 cents per point in their travel portal, earn rates are 3x on dining, travel, etc. similar to the CSR, has the unlimited visa infinite $100 companion credit, $250 airline incidentals credit *per cardholder* and I don't believe requires selecting the airline (unlike amexes), also includes 12 gogo inflight wifi passes, free boingo wifi, travel protections, primary car rental insurance... Also if this were my only card its possible we might actually end up hitting that high $50k spending requirement which would get another $550 airline lounge statement credit (so that would actually be a free membership to any airline lounge of choice each year)... Also as a VISA it is more widely accepted worldwide than amex...
The CNB Crystal Visa is an incredible card! I've been very interested in it as well. The number of benefits is unreal. 🤓
Great video. Wish you would do another collab about for the best two cards.
Thanks! I definitely want to do more collaborations like this one. They are a lot of fun! 😊
I'm subbing to y'all. 👍🏻👏🏻✌🏻
Thanks! 😊
How bout AMEX blue cash preferred? They have 6% cash back rewards
The Blue Cash Preferred is a great card! I've had it in the past, and I'm considering product changing back to it. That 6% bonus category for groceries is fantastic. 👍
THANK YOU THANK YOU THANK YOU. This was EXACTLY what I was seeking. Looks like I'll be making an appt with Chase Bank.
Awesome. Glad the video was helpful! 😊
Had every major card for travel and points. So far my Costco Card has given more more cash back than any of the Amex/Citi/Chase/Discover. Which works better for me than the lounges ect.
The Citi Costco Anywhere Card is a great card, especially for cash back! 👍
Credit card gurus assemble!!!!
I’ll be honest ... I learned so much by also watching these segments too. I’ve not given the US Bank Altitude Reserve and Amex Hilton Honors Aspire much consideration, but after seeing how others are using it, I’m very interested. 😊
Trip Astute Hilton Aspire does seem like a no brainer if you just look at the number. The only trick is the limit on the selection of the hotels and resorts where the $250 resort credit will apply
For me its either the Amex Gold, x4 dining and groceries plus grocery stores have tons of gift cards so thats x4 on amazon, gamestop, even airlines. Also amazon has gift cards too. I've been able to get x4 on 90% on my spend just by being creative.
Or The World of Hyatt. Hyatt is probably the best transfer partner for Chase UR points it gets a free night so I'm already getting positive value and their multipliers are the best out of most hotel cards
Those are both great cards! 👍
There simply isn't a one card approach IMO, I cannot even think which of my cards I would keep if I were to only have one. Well, AMEX Gold perhaps? It's a powerhouse for sure!
Yeah, Amex Gold is a great card too! 4X on dining out and groceries is amazing. 😎
This was an awesome video bro!
Thanks Solomon! 😊
I luv this format please do more 😊
Thanks! Will do. 😊
Loved this video!
Thanks! 😊
I just find it weird how Chase made an amazing design with the Chase Saphire Reserve and then they go on and mess it up. The bigger text and Chase text missing makes it look dumb.
Ha! I agree -- I thought I was the only one that liked the older design. 😎
I have the Amex Marriott Bonvoy business card, Saphire Preferred and Amex gold. I have to go with the Amex Hilton Aspire card, it's a great card with numerous benefits, can't go wrong.
After seeing Sebby's segment, I honestly am giving it more consideration too. I loved his breakdown on the potential benefits. 😊
Great Video. CSR - Is the one I have I like it also
Great minds think alike! 😄
Great idea for this video, Ernest! Like everyone was saying, this was like the Avengers:End Game but for credit cards. Very exciting. If I had to pick one card, it would have to be the American Express Gold Card. The 4x bonus categories and the $220 in credits make this card worth it to me. Only thing that I would change is the travel protections that @Waller's Wallet mentioned in his video. If somethings goes wrong, American Express doesn't have your back. :( Luckily, out of all the vacations I have taken in my 33 years on this Earth, I have never had to cancel a trip or been delayed. So, I feel like missing out on this benefit is fine with me. And I don't do much foreign travel. I am very interested in Chase credit cards, but I am over my 5/24. I'll have to wait 2 years quietly. Keep up the nice work for all your fans and happy travels.
Thanks Joseph! Glad you enjoyed the video. The Amex Gold is a great card! I don't know if I will keep it (since I have a preference for Chase points), but it has earned me a ton of Amex MR points with its bonus categories. 👍
Hilton aspire is the best. Sebby wins!
I was pretty surprised by his choice, but it does make sense. As Sebby sez: YMMV!
I loved Sebby's pick! He did a great job of breaking down the value of the card. 😊
I liked your pick. Very interesting. Didn't see that one coming. Knew Sebby would pick the Aspire haha.
Wow. Great video man! Everyone I subscribe to in a single video. You saved me a lot of time. Lol. Thx.
Awesome! Glad you enjoyed it. It was a fun video to put together too. 😊
wow, awesome
keep sharing great video good job
thanks for this
Thanks! 😊
Can you help me pick my next credit card?
For sure! Check out free card consultation service: ua-cam.com/video/vnpK3Qh_Y2A/v-deo.html
Great video
Thanks! 😊
The Chase Sapphire Preferred
I would upgrade to Reserve if not for that $450 annual. I think the $300 travel credit is once. If it's every year. The. That's not too bad .
Actually, the $300 travel credit is applied every year. 😉
For Me: Chase Amazon Visa (best for cashback) and.... Southwest Rapid Rewards® Premier Credit Card (for travel)... opinion?
It's not bad, but depending on the amount of travel that you do, you might be better off earning a flexible points currency like Chase UR or Amex MR. A lot of folks are able to get more value from these types of programs since you are often able to redeem each point at a higher value than you would when you're locked into a specific brand. That being said, it's also a lot more work to manage these point programs. 😄
Sorry Trip Astute for commenting so late as we have Hockey playoffs and Basketball plus jobs there aren't enough hours in the day.
The 1 credit card I would pick for travel would be Capitol1 Venture1
For cash back would either be Discover or American Express basic blue cash card.
I have a couple questions if an airline has a one world alliance can you transfer miles to that airline and fly on it's partner?
example let's say United is an alliance of Avianco as we all know Venture miles don't have any transfer partners to US carriers. so Can I transfer miles to Avianco and then fly on Delta or United whoever is an alliance? is this possibile?
only 1 question.
Hi Mark! In theory, you should be able to do it. Though there are cases where an airline will limit the award flight availability for partner flights, so make sure you scope it out before transferring the points over (to be safe). 🤓
Pretty cool video
Thanks! 😊
What would you recommend to someone who is looking for cash back?
That's a tough question. There's a lot of things that you would have to consider, like: Do you travel abroad often? What are your primary spending categories? etc. If you'd like me to review your situation, check out free card consultation service: ua-cam.com/video/vnpK3Qh_Y2A/v-deo.html
@@TripAstute let's say just for general eveday usage no travel or other bonuses. Maybe you could make a video on it?
@@Mr19853 The Discover More/It gives you 5% cash back on rotating categorys gas , uber and Lyft is quarter number 2 they usually have restaurants, American Express basic blue cash card gives 3% on grocery stores , 2% at gas stations and department stores like Macys, Nordstorm's and Kohls NOT Walmart or target.1on all other category's
Us Bank allows you to pick from a list 2 category's for the 5% and 1 category of 2%
The Citi double cash gives you 2% cash back 1 as you charge and 1 on whatever you pay back.
Bank of America cash rewards 2% on grocery stores, 2 on Whole sale clubs and 3% from a list that you can choose from Gas was the original category until January 12th came around.
Capitol1 Savor1 3% on dining and entertainment 2 on grocery stores
so you have a capitol1
Citi Double cash
American Express basic blue cash
Discover
US bank
Bank of America cash rewards.
any more questions let Trip Astute know.
Great tips, thx.
Thanks! 😊
US Bank Altitude Reserve!! Everyone mostly accepts Mobile Payment
That is definitely a great card! 👍
I would take the I was Schwab platinum card. Only because I live near DFW. Probably the best lounge in the US
Those Amex Centurion lounges are amazing. And the Schwab Platinum is my favorite version of the card too. 👍
CSR for sure !
Love my CSR as well! 😊
You needed the credit shifu and the proud money guy opinion as well.
Yes, i cant believe he left him out.
Trust me, I asked a lot of creators in the space (including one of the ones mentioned). Not all of them replied or wanted to participate. 😉
Wow. This makes me like the credit Shifu a little less for declining the invitation.
In all fairness, I’m sure he gets flooded with requests all the time. I know I struggle to keep up with my email too. 🤓
excellent video
Thanks, Jose! 😊