Love your videos, Sebby! You break everything down to the numbers, and I really appreciate that. Plus, the tone and candor of your videos is just really honest. You, John Liang, and Brian Jung are my absolute favorites.
Im just now realizing how much editing and production goes into your videos. I have learned so much from watching your channel... you helped me improve the quality of life of my family. Thank you. 🙏
Was surprised to see the CSR a part of your set up Sebby! I’ve been feeling like a lone wolf with that card as most people go for CSP. Thanks for the tips as always!
Your setup is solid sebby - my personal is Amex platinum & matriott for my business and chase sapphire reserve for personal. It’s worked out well, I own a Toyota dealership in Oregon always watch your vids.
Great strategy Sebb. My core set-up is: Ink Cash - 5x cable/internet, 2x gas AmEx Gold - 4x dining/groceries AmEx Green - 3x travel or CSP 2x Cap V1 - 1.25x catch all (might pc to VX)
📕 My setup is pretty simple: I have the AMEX Platinum for lounge access, the USAA AMEX Cashback Rewards Plus for gas (5%) and groceries (5% at the Commissary, 2% at civilian grocery stores), and the USAA Visa Eagle Navigator for travel and transit (3X). I'm thinking of adding the Delta Platinum later this year.
*red book* ( I'm on my computer w/ no emojis. My set up is up in the air. I'm only now getting into using credit cards for free travel. I have years worth of points collected on my credit cards that I haven't used and wish there was a bit of a more detailed guide as to what to do once you've collected a few credit cards and some points. Love your videos. Thanks!
📕That's one intense setup! As for me, Amex Plat + C1X + CSP/CFF + Inks as the core! Definitely wanna plan some trips in advance before jumping into the hotel cards and certificates. How do you keep track or use all the cards to prevent inactivity? Also @ 11:50 Gold first, then Plat!
🇨🇦 business owner. Setup: AMEX Plat, AMEX aeroplan reserve, AMEX cobalt, BMO World elite. US side: Hilton Honors and Aspire. Will Probably go for 3 aspire cards and rack up 9 free night certificates every year
I used to never value the checked bags, but after doing through DFW with a carry on and back pack, lounge, and trains from hub to hub, I will now use it. Who wants to be hustling with baggage at the lounge, or on and off the trains. With the schwab plat, I can use the lost/delayed baggage benefit if they loose my clothes and tooth paste.
Hey Sebby, so I'm just getting started on this adventure but I have a pretty amazing perk few cards can touch: I work for an airline which means I can non-rev and I get a lot of travel discounts that are industry based. It's a very different way of traveling because you are always on standby but you're playing the odds constantly. The things that are important to me are lounge access, points from dining and those points going to things like hotel stays. So I decided on the CSR to start but may expand outward. I also own my own LLC so I'm interested to know what you would recommend there? My wife is already Executive Platinum Emerald with AA so we're set there but I'd either like to build airline status or hotel status.
I’ve been following your content for awhile man, you’re always dropping valuable info. I’m under 5/24 and plan to hit the ink cards since I haven’t hit the bonus in awhile. I’ll need to replenish my Chase UR balance lol📕
Excellent video as always and thanks for sharing your actual strategy. I'm personally on the Chase trifecta (Sapphire Reserve, Freedom, Freedom Unlimited) with Bonvoy Brilliant (largely Marriott loyal), and United Explorer, though with status, I'm struggling to get value there, so will either move up to Quest or drop all together. With CSR dropping Priority Pass restaurants, I'm doing some broad reevaluation as that was a valuable benefit to me. Cheers!
Im 26 and rent in NYC so I have Amex Gold as my daily driver (most spend is restaurants and groceries) and Bilt for rent payments. I look forward to adding Amex platinum for flights and Marriott Bonvoy Brilliant for hotels as work travel scales up in the future. That four card strategy I think I’ll keep in place up and until another travel card does better without additional complexity
📕 I started my travel setup in February, so I’ll be maximizing UR points for 2024. I got the CFF with the 5x Gas and Grocery bonus, and I’ll be under 3/24 next month. I’ll be getting the CSP (hopefully with an elevated offer) and hopefully the CIC after that (or the CFU if I get denied for the CIC).
📕Love the videos. I feel like I've been "conservatively" playing the credit card game for 7 years or so, mainly sticking with CSP, Freedom, Hyatt, and Southwest. It's only been recently that I've broadened my scope to include Marriott, Hilton, Ink, United, and eventually Amex Plat/Gold. Channels like yours have helped me develop my strategy for the next few years. My wife and I have our 20 year anniversary to celebrate in 3 years, and I am planning a points paid trip to either the Maldives, Bora Bora, or Bali, or maybe one of each haha! Thanks again for the content and ideas!
📙Schwab Plat(airline tix, AMEX Send)/Grandfathered SAVOR (teens dining, groceries, streaming, entertainment)/BILT (dining, HOA fees, car rental, recurring charitable contributions on the 1st)/Custom Cash(5x gas)/Hyatt (2x club dues, taxes/spend to status)/AAdvantage(recurring bills, taxes/spend to status)/SWA(streaming, taxes/spend to companion pass during 25% bonus quarters)/Alliant/Paypal MC/bunch of hotel keeper cards...I feel like I get value out of all of them...trying to decide if I want to mess with the Bonvoy Brilliant (before upgrading Boundless to Ritz this year) but not wild about tracking monthly dining credits...have everything else pretty automated...Thanks for the channel Sebby, you do a great job.
Big fan of ur content Sebby. Wanted your opinion on my current strategy. I just convinced my player 2 to join the fun. We are running the chase ink cards for the big SUB and they allow us to stay under 5/24. That coupled with Bilt for rent has been a nice combo. I got the CSR for travel but I just got the Marriott Boundless and plan to hit all the Marriott SUB’s for chase and Amex Marriott cards. Once I product change to thr Ritz I’ll down grade CSR to Preferred.
📕 I'm all over the place with my setup. I have the AmEx Plat, Gold, Green, and BBP that i was using. Then I thought I should go cashback since we cant travel due to other obligations. That's with BofA cards (plat honors). We also have 2 Aspires and the Hilton business card that I might cancel. Thanks for the great content and knowledge drops!
📕 idk how unique my personal situation is but I've got 13 cards rn and they vary greatly from you! (Although about half are Chase business, the other half are on the smaller end. I figured I'd work my way up to platinum and other higher fee cards). Thanks for your content!
📕 I’m currently transitioning from a cash back setup to more of a travel based setup honestly thanks to your videos; I’m currently running the Chase trifecta w/ the CSP primarily for booking rental cars, Freedom for the Hotels and Amazon this quarter, and just picked up the Amex gold since it works for my spend since I’m on the road a lot at eat out constantly, plus the 90k intro bonus is legit. Was considering upgrading to the CSR but the value isn’t there since Lyft/DD aren’t as good as the Uber credits Amex has and looking get the Plat after the minimum spend on the Gold is over.
📕… Love your content !! It’s been amazing to understand the “game”. I wish someone would do a video on the amounts needed to spend to reach a level. My last job, I flew M-F and so having my Amex/Hilton setup was a no-brainer. Now I’m a trucker and I can’t figure out how to rack up these points🤣
Hey Sebby! 📕 I'm on an Amex and Marriott setup mostly. Personal and Business cards. I have the Chase Saphirre Pref as well. I need to branch out with something new for 2024.
📕 I recently product change my CIU to CIP then I saw the new 120K sub on the CIU through doctor of credit and got approved. No point getting the CIP 100K sub for $8K spend when the CIU currently offer 120K sub for $6K spend in the first three months. I was lucky enough to get both CIU and CIC for 90K. I completed the Ink Business trifecta. My current setup right now are CIP, CFF, & CIU. I do have IHG Business Premier as my hotel card.
📙 No setup yet. Actually looking to start making credit cards work for us a lot more and a friend who I consider pretty knowledgeable suggested your channel :) says you're about the only person he regularly trusts on this topic :)
Really interesting to see other people's setups, and how the more advanced credit card people are. Personally, I like to keep it simple, and have the Citi Premier, and Fidelity 2%. Plan to get the Marriot Boundless soon as a keeper card.
Thank you for the video. I do have the capital one setup and also a four card amex. You make a great argument for the hyatt card. Since my wife and I do Vegas about 4 times a year.I would really love to get the wyndom business earner card. Since my MGM gold card win away with the divorce between Hyatt and m.G.M
Thank you for this. I’ve been debating about the Bonvoy Brilliant. It’s expensive but I’m already in the Marriott world because of a time share so the points could help.📕
Alaska miles in Bilt case are not 1 cpm, but 1.5 cpm, since you can get 1 mile using Bilt card for free. I wouldn't buy 1 Alaska miles for 1.5 cents each.
📕. Living in Europe current workhorse is CSR forbearing out, travel and just about everything else. AMEX platinum for subscriptions, flight credits. We also have the IHG premier for the anniversary night and status once we move back to the States I’ll probably pick up AMEX Gold for Groceries and gas.
I do feel that hotels are easier to score high values but airlines are difficult, especially given that United and Delta are doing dynamic reward chart now.
Why would you get two Amex cards? Why doesn’t the platinum give you the points the way the gold does that’s strange but you know best just weird they do that.
would love to know about jetblue mint upgrade certificate. I didn't even know it existed, r that you ever used jetblue. I live in Buffalo with family in Boston and fly jetblue frequently. Been watching you for sometime as well. Any chance you could talk more about jetblue if other are interested as well? Still watching if not lol
Wait, how do you pay taxes due at vest for RSU w/CC? Options in brokers are as mentioned sell-to-cover or cash transfer (out of pocket) but never heard of using a credit card to pay the cash transfer option. 5:30
Liking the Wyndham business earner card. Have you figured out how to stay for free in Snowmass/Aspen during the ski season? That’s one tough nut to crack
Wow! That sounds far more complicated than anything I'd be willing to do. I'd love to know what upfront cost they're paying in annual fees. While you can recoup that cost most of the time, it's still an upfront cost that could/should count against a travel budget for the year. Stated another way, would it be better to ask what percent of your yearly travel budget is spent on annual fees?📙
📕 Wow, I hadn't considered recycling Ink cards with multiple EINs for more bonuses or holding so many Aspires for the certificate. I'm sitting on nearly 30 cards, about 2.5K in annual fees, your setup must be at least 5K in just fees total 🤑
I have a combo of cards , my chase cards are the freedom unlimited and freedom flex . My citi cards are the double cash and premier. I have the amex gold , capitol one venture X , amex blue cash, and the jetblue plus card lol so I just go back and forth between all of them . Should I just keep doing this ?
Recently discovered your videos! Great content. Question...is there a way you manage all your travel cards, etc. Like in an app, or do you carry that thick travel binder with you everywhere? My hubby has on old school travel portfolio that is busting at the seams...it takes up so much space. I feel like there has got to be a better way to be prepared for every point eventuality without being so old school? Thanks for taking the time to make useful content! :)
📕 I’m still in the same spot. I know I need to grab a good Marriott bonus when it comes available but I either need to get probably a Citi Custom Cash or Chase Freedom to earn better on the setups. Not sure about the Savor One.
How to book business class on Etihad or Emirates would be a nice video. Even with all these travel cards, its so hard to find effective upgrades using the credit card points :/
I use Venture X as everyday. Bonvoy business and personal for the elite nights and annual free nights. Then otherwise I just go for intro offers. Finishing Alaska 70k and AA business plat select 75k. Will probably go for BA 75k next. Living abroad (Australia) right now so the US airline points go way further. 20k AA points for Qantas domestic business any length/connections for instance. 6-7.5k BA points for shorter Qantas domestic. Lots of availability.
You mentioned paying the HOA fees and property taxes taxes with BILT. I had previously checked and I don’t think you get any points to do that, plus how would you pay HOA then?
Thanks Sebby for this new interesting video! 👍🏼 Do you know if it will work to get two Amex welcome bonus if i apply once for a the business gold card with my SS number and once again for the business gold card but with my EIN number? (as it works with the Chase Ink cards).
I like it that you don’t have a car. I would love to dump my car but I live in LA. I used to live at Post and Jones in SF and yeah then I could get by without a car.
Thanks! No interest in getting a car. The cost of ridesharing everywhere is significantly cheaper than parking + car payments + insurance + broken window repairs + gas + any other maintenance and surprise tickets.
Do you have a video that talks about downgrading the chase sapphire reserve and reacquiring it again to take advantage of the bonus points? I have a good amount of points and I'm hesitant to downgrade. Just unsure how to approach it. I've had the card for about 4 years now.
📕 wife and I both have chase but I thinking of how best to incorporate one world airlines into our setup since we fly to HK from LA regularly. Added the citi mile up but not sure if that's the most efficient use of our spending
📕 I’m mostly on the chase trifecta and capital one duo track with all my hotel and airline cards with AMX. I’m considering checking out Marriott or IHG card for hotels since the surpass price increase. Does that even Make sense?
I'm 4/24 with Chase right now and I'm debating signing up for the World of Hyatt or the Capital One Venture X. I currently have two versions of the IHG - the Select with the $49 AF and the Premier with the $99 AF. In the past year, I got the AMEX Hilton Surpass under the old AF. I'm debating renewing though. I have a points stay coming up at the Trafalgar in London and wonder if it's worth keeping the $150 AF for the gold status OR closing it and staying there without status.
Hey Sebby! I have an amex platinum... If I get the gold now will I still get the intro bonus? Is is it still worth it for the 4x even if I don't get the intro bonus?
💳 Sebby's Card Picks: www.asksebby.com/credit-cards
More Ink Cash: www.asksebby.com/credit-card-reviews/chase-ink-business-cash
Love your videos, Sebby! You break everything down to the numbers, and I really appreciate that. Plus, the tone and candor of your videos is just really honest. You, John Liang, and Brian Jung are my absolute favorites.
Awesome, thank you!
Im just now realizing how much editing and production goes into your videos. I have learned so much from watching your channel... you helped me improve the quality of life of my family.
Thank you. 🙏
Was surprised to see the CSR a part of your set up Sebby! I’ve been feeling like a lone wolf with that card as most people go for CSP. Thanks for the tips as always!
Your setup is solid sebby - my personal is Amex platinum & matriott for my business and chase sapphire reserve for personal. It’s worked out well, I own a Toyota dealership in Oregon always watch your vids.
Thanks for watching :)
I can see the progress of you pumping iron!!! Shoulders are swelling up a bit!!!
Thanks!! 💪
They don't call him "daddy" for nothing
@@papertowel2458Does Sebby have kids?
I scored the IHG credit card (from your review) & will soon receive about 180,000 points from welcome bonus.
@@Re3iRtH no. lol
Great strategy Sebb.
My core set-up is:
Ink Cash - 5x cable/internet, 2x gas
AmEx Gold - 4x dining/groceries
AmEx Green - 3x travel or CSP 2x
Cap V1 - 1.25x catch all (might pc to VX)
📕 My setup is pretty simple: I have the AMEX Platinum for lounge access, the USAA AMEX Cashback Rewards Plus for gas (5%) and groceries (5% at the Commissary, 2% at civilian grocery stores), and the USAA Visa Eagle Navigator for travel and transit (3X). I'm thinking of adding the Delta Platinum later this year.
*red book* ( I'm on my computer w/ no emojis.
My set up is up in the air. I'm only now getting into using credit cards for free travel. I have years worth of points collected on my credit cards that I haven't used and wish there was a bit of a more detailed guide as to what to do once you've collected a few credit cards and some points. Love your videos. Thanks!
📕📕I’m rockin’ with the CSR, Gold, and Custom Cash heavy
📕That's one intense setup! As for me, Amex Plat + C1X + CSP/CFF + Inks as the core! Definitely wanna plan some trips in advance before jumping into the hotel cards and certificates. How do you keep track or use all the cards to prevent inactivity? Also @ 11:50 Gold first, then Plat!
🇨🇦 business owner. Setup: AMEX Plat, AMEX aeroplan reserve, AMEX cobalt, BMO
World elite. US side: Hilton Honors and Aspire. Will
Probably go for 3 aspire cards and rack up 9 free night certificates every year
Great stuff, Sebby.
Not using flex for dining expenses this quarter? Its 7x
I used to never value the checked bags, but after doing through DFW with a carry on and back pack, lounge, and trains from hub to hub, I will now use it. Who wants to be hustling with baggage at the lounge, or on and off the trains. With the schwab plat, I can use the lost/delayed baggage benefit if they loose my clothes and tooth paste.
Hey Sebby, so I'm just getting started on this adventure but I have a pretty amazing perk few cards can touch: I work for an airline which means I can non-rev and I get a lot of travel discounts that are industry based. It's a very different way of traveling because you are always on standby but you're playing the odds constantly. The things that are important to me are lounge access, points from dining and those points going to things like hotel stays. So I decided on the CSR to start but may expand outward. I also own my own LLC so I'm interested to know what you would recommend there? My wife is already Executive Platinum Emerald with AA so we're set there but I'd either like to build airline status or hotel status.
I’ve been following your content for awhile man, you’re always dropping valuable info. I’m under 5/24 and plan to hit the ink cards since I haven’t hit the bonus in awhile. I’ll need to replenish my Chase UR balance lol📕
Excellent video as always and thanks for sharing your actual strategy. I'm personally on the Chase trifecta (Sapphire Reserve, Freedom, Freedom Unlimited) with Bonvoy Brilliant (largely Marriott loyal), and United Explorer, though with status, I'm struggling to get value there, so will either move up to Quest or drop all together. With CSR dropping Priority Pass restaurants, I'm doing some broad reevaluation as that was a valuable benefit to me. Cheers!
Im 26 and rent in NYC so I have Amex Gold as my daily driver (most spend is restaurants and groceries) and Bilt for rent payments. I look forward to adding Amex platinum for flights and Marriott Bonvoy Brilliant for hotels as work travel scales up in the future. That four card strategy I think I’ll keep in place up and until another travel card does better without additional complexity
📕Great to see your setup Sebby! More hotel keeper credit cards are my focus for this year!
Awesome!
📘 How about blue? I have the Chase Preferred and the Freedom Unlimited. Looking change what I use this year. Thanks for all the info.
📕 I started my travel setup in February, so I’ll be maximizing UR points for 2024. I got the CFF with the 5x Gas and Grocery bonus, and I’ll be under 3/24 next month. I’ll be getting the CSP (hopefully with an elevated offer) and hopefully the CIC after that (or the CFU if I get denied for the CIC).
📕 could you do an updated military/spouse video?!
📕Love the videos. I feel like I've been "conservatively" playing the credit card game for 7 years or so, mainly sticking with CSP, Freedom, Hyatt, and Southwest. It's only been recently that I've broadened my scope to include Marriott, Hilton, Ink, United, and eventually Amex Plat/Gold. Channels like yours have helped me develop my strategy for the next few years. My wife and I have our 20 year anniversary to celebrate in 3 years, and I am planning a points paid trip to either the Maldives, Bora Bora, or Bali, or maybe one of each haha! Thanks again for the content and ideas!
📙Schwab Plat(airline tix, AMEX Send)/Grandfathered SAVOR (teens dining, groceries, streaming, entertainment)/BILT (dining, HOA fees, car rental, recurring charitable contributions on the 1st)/Custom Cash(5x gas)/Hyatt (2x club dues, taxes/spend to status)/AAdvantage(recurring bills, taxes/spend to status)/SWA(streaming, taxes/spend to companion pass during 25% bonus quarters)/Alliant/Paypal MC/bunch of hotel keeper cards...I feel like I get value out of all of them...trying to decide if I want to mess with the Bonvoy Brilliant (before upgrading Boundless to Ritz this year) but not wild about tracking monthly dining credits...have everything else pretty automated...Thanks for the channel Sebby, you do a great job.
Big fan of ur content Sebby. Wanted your opinion on my current strategy. I just convinced my player 2 to join the fun. We are running the chase ink cards for the big SUB and they allow us to stay under 5/24. That coupled with Bilt for rent has been a nice combo. I got the CSR for travel but I just got the Marriott Boundless and plan to hit all the Marriott SUB’s for chase and Amex Marriott cards. Once I product change to thr Ritz I’ll down grade CSR to Preferred.
📕 Great informational video. Thank you!
📕 I'm all over the place with my setup. I have the AmEx Plat, Gold, Green, and BBP that i was using. Then I thought I should go cashback since we cant travel due to other obligations. That's with BofA cards (plat honors). We also have 2 Aspires and the Hilton business card that I might cancel.
Thanks for the great content and knowledge drops!
📕 idk how unique my personal situation is but I've got 13 cards rn and they vary greatly from you! (Although about half are Chase business, the other half are on the smaller end. I figured I'd work my way up to platinum and other higher fee cards). Thanks for your content!
📕 I’m currently transitioning from a cash back setup to more of a travel based setup honestly thanks to your videos; I’m currently running the Chase trifecta w/ the CSP primarily for booking rental cars, Freedom for the Hotels and Amazon this quarter, and just picked up the Amex gold since it works for my spend since I’m on the road a lot at eat out constantly, plus the 90k intro bonus is legit. Was considering upgrading to the CSR but the value isn’t there since Lyft/DD aren’t as good as the Uber credits Amex has and looking get the Plat after the minimum spend on the Gold is over.
📕We love your content. We have the Chase Trifecta, Amex and some hotel cards. We also stick with Star Alliance flights for status.
📕… Love your content !! It’s been amazing to understand the “game”. I wish someone would do a video on the amounts needed to spend to reach a level. My last job, I flew M-F and so having my Amex/Hilton setup was a no-brainer. Now I’m a trucker and I can’t figure out how to rack up these points🤣
📕 two card setup. Citi premier and either CFF or CFU. Only have hotel cards, boundless and WOH. For airline spend and FHR I use the platinum.
Hey Sebby! 📕 I'm on an Amex and Marriott setup mostly. Personal and Business cards. I have the Chase Saphirre Pref as well. I need to branch out with something new for 2024.
📕 I recently product change my CIU to CIP then I saw the new 120K sub on the CIU through doctor of credit and got approved. No point getting the CIP 100K sub for $8K spend when the CIU currently offer 120K sub for $6K spend in the first three months. I was lucky enough to get both CIU and CIC for 90K. I completed the Ink Business trifecta. My current setup right now are CIP, CFF, & CIU. I do have IHG Business Premier as my hotel card.
If i have two different businesses with different EINs can i refer my other business to get the referral points??
📙 No setup yet. Actually looking to start making credit cards work for us a lot more and a friend who I consider pretty knowledgeable suggested your channel :) says you're about the only person he regularly trusts on this topic :)
Welcome to the channel! :)
Really interesting to see other people's setups, and how the more advanced credit card people are. Personally, I like to keep it simple, and have the Citi Premier, and Fidelity 2%. Plan to get the Marriot Boundless soon as a keeper card.
📕 I'm surprised Chase wasn't mentioned in the normal person setup. CSR's $300 travel credit is the easiest one to recoup plus freedom(s)/CFU/Inks
Same. I thought the Chase trifecta would be mentioned in the normal person setup section for sure.
📕 I like your strategy, just got my Aspire!
Thank you for the video. I do have the capital one setup and also a four card amex. You make a great argument for the hyatt card. Since my wife and I do Vegas about 4 times a year.I would really love to get the wyndom business earner card. Since my MGM gold card win away with the divorce between Hyatt and m.G.M
Thank you for this. I’ve been debating about the Bonvoy Brilliant. It’s expensive but I’m already in the Marriott world because of a time share so the points could help.📕
Alaska miles in Bilt case are not 1 cpm, but 1.5 cpm, since you can get 1 mile using Bilt card for free. I wouldn't buy 1 Alaska miles for 1.5 cents each.
📕. Living in Europe current workhorse is CSR forbearing out, travel and just about everything else. AMEX platinum for subscriptions, flight credits. We also have the IHG premier for the anniversary night and status once we move back to the States I’ll probably pick up AMEX Gold for Groceries and gas.
red book, I'm over 5/24, I have all the hotel cards for free nights. Will probably get aspire
I do feel that hotels are easier to score high values but airlines are difficult, especially given that United and Delta are doing dynamic reward chart now.
📕 ayyyyeeeee my dawg 🤟🏽🤟🏽- think im going to try and push a Hotel set up as well this year
Why would you get two Amex cards? Why doesn’t the platinum give you the points the way the gold does that’s strange but you know best just weird they do that.
Is there a video for the best combo cards? AmEx Plat + Gold vs Venture X + Savor One? I can't seem to find...
📕 thanks for the vid. My goal is to get more hotel keeper cards as I just got the WOH card. Then the inks.
would love to know about jetblue mint upgrade certificate. I didn't even know it existed, r that you ever used jetblue. I live in Buffalo with family in Boston and fly jetblue frequently. Been watching you for sometime as well. Any chance you could talk more about jetblue if other are interested as well? Still watching if not lol
Hotel cards only make sense if you are required to travel for work. Otherwise just stick with amex platinum or chase sapphire cards.
📕 newbie just finding out there’s strategies 😅 thanks for sharing, great insight 🤝
📕 I am at 4 Chase cards (Reserve) and have recently jumped into the Ink market. Just trying to get Hyatt points, mainly...Thinking about Amex next...
Same keeper cards from 2023 in 2024. Hoping for either an increased sub offer on the CSP or citi card to open this year.
I'm reading a 📕, I'm reading a 📕, don't you ever interrupt me while I'm reading a 📕 (Julian Smith song from 15 years ago 😅)
📕 P2: Chase Trifecta. Me: Citi
Trifecta. Both: Business Marriott & Hilton, BBP & Personal Amex Gold.
Wait, how do you pay taxes due at vest for RSU w/CC? Options in brokers are as mentioned sell-to-cover or cash transfer (out of pocket) but never heard of using a credit card to pay the cash transfer option. 5:30
I just got the Surpass. Traveling to Denver I'll let you know how it goes
Liking the Wyndham business earner card.
Have you figured out how to stay for free in Snowmass/Aspen during the ski season? That’s one tough nut to crack
I’m thinking venture x and savor one
Wow! That sounds far more complicated than anything I'd be willing to do. I'd love to know what upfront cost they're paying in annual fees. While you can recoup that cost most of the time, it's still an upfront cost that could/should count against a travel budget for the year. Stated another way, would it be better to ask what percent of your yearly travel budget is spent on annual fees?📙
📕 Wow, I hadn't considered recycling Ink cards with multiple EINs for more bonuses or holding so many Aspires for the certificate. I'm sitting on nearly 30 cards, about 2.5K in annual fees, your setup must be at least 5K in just fees total 🤑
📕 hi Sebby can you do a first 5 card set up for people who are on team travel and new to the game?
📕 I'm concentrating on Chase CCs, added a hotel & maybe an airline
I have a combo of cards , my chase cards are the freedom unlimited and freedom flex . My citi cards are the double cash and premier. I have the amex gold , capitol one venture X , amex blue cash, and the jetblue plus card lol so I just go back and forth between all of them . Should I just keep doing this ?
Looking good Seb!!!
📕 I'm thinking about getting one of the ink business cards for next year's income taxes. This year was D'oh!
Recently discovered your videos! Great content. Question...is there a way you manage all your travel cards, etc. Like in an app, or do you carry that thick travel binder with you everywhere? My hubby has on old school travel portfolio that is busting at the seams...it takes up so much space. I feel like there has got to be a better way to be prepared for every point eventuality without being so old school? Thanks for taking the time to make useful content! :)
📕 I’m still in the same spot. I know I need to grab a good Marriott bonus when it comes available but I either need to get probably a Citi Custom Cash or Chase Freedom to earn better on the setups. Not sure about the Savor One.
How to book business class on Etihad or Emirates would be a nice video. Even with all these travel cards, its so hard to find effective upgrades using the credit card points :/
📕really like the strategy with the Amex gold which I don’t have
📕 love your content!
📕Super helpful video!
Where can I get one of those red books? 📙
📕 nice update.
P2 and I just finished all of Chase (personal, inks & SW companion pass). On to Venture X next and then Citi. Amex probably not for another year or 2.
Sofi just increased their all purchase cashback to 2.2% 📕
🏮Do a video on the credit card resell market. I was shocked to see American Express cards go for so high.
do you prefer hilton or marriott? taking into account the hilton aspire, marriott brilliant, use/value of points, locations/stays, etc?
I think a fun video would be how many points you have earned lifetime with each big keeper cards
📕thank you for the info
I use Venture X as everyday. Bonvoy business and personal for the elite nights and annual free nights. Then otherwise I just go for intro offers. Finishing Alaska 70k and AA business plat select 75k. Will probably go for BA 75k next.
Living abroad (Australia) right now so the US airline points go way further. 20k AA points for Qantas domestic business any length/connections for instance. 6-7.5k BA points for shorter Qantas domestic. Lots of availability.
You mentioned paying the HOA fees and property taxes taxes with BILT. I had previously checked and I don’t think you get any points to do that, plus how would you pay HOA then?
Great question, was thinking the same thing
Seems like you have both csr and amex Gold. Seems like a lot of overlap. Getting good value?
Chase trifecta and recopue AF with plat and C1 Vx
Thanks Sebby for this new interesting video! 👍🏼 Do you know if it will work to get two Amex welcome bonus if i apply once for a the business gold card with my SS number and once again for the business gold card but with my EIN number? (as it works with the Chase Ink cards).
I like it that you don’t have a car. I would love to dump my car but I live in LA. I used to live at Post and Jones in SF and yeah then I could get by without a car.
Thanks! No interest in getting a car. The cost of ridesharing everywhere is significantly cheaper than parking + car payments + insurance + broken window repairs + gas + any other maintenance and surprise tickets.
📕 great video
Do you have a video that talks about downgrading the chase sapphire reserve and reacquiring it again to take advantage of the bonus points? I have a good amount of points and I'm hesitant to downgrade. Just unsure how to approach it. I've had the card for about 4 years now.
Product change the CSR to one of the Freedom cards and then apply again. Points stay active as long as you have a UR earning card on your account.
📕 I’m sticking with Chase Trifecta plus Hyatt card. I’m just too lazy to bounce around.
Good setup!
📕 wife and I both have chase but I thinking of how best to incorporate one world airlines into our setup since we fly to HK from LA regularly. Added the citi mile up but not sure if that's the most efficient use of our spending
Thoughts on the Redstone Visa Signature card?
📕 I’m mostly on the chase trifecta and capital one duo track with all my hotel and airline cards with AMX. I’m considering checking out Marriott or IHG card for hotels since the surpass price increase. Does that even
Make sense?
📕 i use the venture X plus savor one combo and add the aspire
I bought this book for cards years ago and almost ran out of space 😂
📕 thanks!!
I'm 4/24 with Chase right now and I'm debating signing up for the World of Hyatt or the Capital One Venture X. I currently have two versions of the IHG - the Select with the $49 AF and the Premier with the $99 AF. In the past year, I got the AMEX Hilton Surpass under the old AF. I'm debating renewing though. I have a points stay coming up at the Trafalgar in London and wonder if it's worth keeping the $150 AF for the gold status OR closing it and staying there without status.
Depends on if you value breakfast at Hilton or not. Probably Hyatt due to 5/24, if you care about the properties.
📕 just getting into this
Hey Sebby! I have an amex platinum... If I get the gold now will I still get the intro bonus? Is is it still worth it for the 4x even if I don't get the intro bonus?