The 8 Credit Cards You NEED in 2023
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- čas přidán 12. 03. 2023
- In this video we are going over the 8 best credit cards of 2023, along with 2 bonus credit cards that are honorable mentions. Each credit card in this video offers a lot of value with great features and benefits that help each one to stand out, so whether you’re looking for the top cash back credit cards or the top travel credit cards, there’s plenty of excellent options here.
Through my past several years of strategically applying for and using many of the best credit cards, I’ve been able to narrow down my list of top 2023 credit cards to these 8. Most of them are no annual fee credit cards, but those that do cost money are well worth it in my opinion and I explain why in this video. But regardless of your preference for cash back or travel, getting a few of these credit cards should help to put hundreds or possibly even thousands of dollars of value back into your wallet every single year through sign up bonuses, credits, spending multipliers, and other things like that!
I tried to include a good variety of the best credit card of 2023 for this list, so hopefully you all agree with my picks! If you’re interested in learning more about any of these credit cards, feel free to check out some of the other videos and links that I’ll put below this.
LEARN MORE:
💳 Learn More About The Chase Sapphire Preferred: danielbraun.me/Sapphire-Prefe...
💳 Learn More About The Citi Custom Cash: danielbraun.me/Custom-Cash
💳 Learn More About The Capital One SavorOne: danielbraun.me/Savor-One
💳 Learn More About The Capital One Venture X: danielbraun.me/Venture-X
💳 Learn More About The Amex Blue Cash Everyday: danielbraun.me/BlueCashEveryday
💳 Learn More About The Amex Gold Card: danielbraun.me/Amex-Gold
💳 Learn More About The Chase Freedom Unlimited: danielbraun.me/Freedom-Unlimited
💳 Learn More About The Bilt Mastercard: danielbraun.me/Bilt
OTHER USEFUL LINKS:
💳 My Top Credit Cards: danielbraun.me/TopCreditCards
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CHECK OUT SOME OF MY OTHER VIDEOS:
Capital One Venture X - Full Review (Worth $395?): • Capital One Venture X ...
Sapphire Preferred - 3 Years Later (A MUST-HAVE?): • Sapphire Preferred - 3...
Amex Gold Card - My HONEST Review (After 2 Years): • Amex Gold Card - My HO...
Bilt Mastercard - Earn $1,000s Back On Rent?: • Bilt Mastercard - Pay ...
Paying A Credit Card Bill (I Wish I Knew THIS): • Paying A Credit Card B...
How To Climb The Credit Card Ladder (Explained): • How To Climb The Credi...
Do THIS For An 800 Credit Score (5 Steps): • Do THIS For An 800 Cre...
#BestCreditCards
DISCLAIMER: Some of the card links and other products that appear on this website are from companies which Daniel Braun will earn an affiliate commission or referral bonus. Daniel Braun is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.
The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Daniel Braun is not a financial advisor. This video is for entertainment and educational purposes only, it is not financial advice.
More Videos From My Channel: / @daniel_braun
Do you agree with this list, or did I miss any of your favorite credit cards? Let me know here in the comments!
If you want to learn more about some of the cards I talked about in this video, you can check out these links as well:
💳 Chase Sapphire Preferred: danielbraun.me/Sapphire-Preferred
💳 Citi Custom Cash: danielbraun.me/Custom-Cash
💳 Capital One SavorOne: danielbraun.me/Savor-One
💳 Capital One Venture X: danielbraun.me/Venture-X
💳 Amex Blue Cash Everyday: danielbraun.me/BlueCashEveryday
💳 Amex Gold Card: danielbraun.me/Amex-Gold
💳 Chase Freedom Unlimited: danielbraun.me/Freedom-Unlimited
💳 Bilt Mastercard: danielbraun.me/Bilt
A mention on Chase cards - Chase allows transfer points from one account holder to another. Example: I have old Chase freedom and my wife has Chase Freedom Unlimited & Preferred. Around Fall last year, I was able to transfer my Chase points to my wife's Preferred. I am not sure if there is any qualifying criteria for transfer because all I did was call Chase and get points transferred from my account/card to wife's. Hope this helps!
I started with the Amex Blue Cash Everyday and they automatically upgraded it at some point to the Blue Cash Preferred which earns 6% cash back on groceries.
It’s an overwhelming list and there’s absolutely no way the average person could keep track of all this. It’s insane.
The Savor One as I've noted in the past is the most underrated card in the market. Thanks Dan.
The only problem I saw with capital one, was them not having a 2% Cashback card. But now with the venture x and this card, I think this setup is easily the best if you're trying to pile up points.
Yes, I want the SavorOne so bad.
I'm glad Dan mentioned no foreign transaction fees, because typically, you don't get that with a card that also requires no annual fees. But I don't know another card that gives you rewards on top of that.
It also pairs well with the Venture X.
Should make a video comparing amex vs chase vs Citi vs capital one vs whatever else credit card combination
I'm 100% going to make that video! I want to make updated videos for each setup first, so I did the Amex Trifecta the other week and I'm doing Chase and a few more of the next month or two. Then I'll put together a big overall comparison video to show who should get each setup!
Thanks for watching and for the suggestion!
@@Daniel_Braun If you wanted to have fun with it you could do a “Final Four” style video with the Tri/bi-fectas. Just a thought.
Possibly a different video, but also points that are good to combine without redundancies. For example, Amex Gold plus Chase trifecta for just Amex and Chase; or possibly Amex Gold, VentureX, CSP, CFF, or bringing in two Citi cards to get points for Custom Cash and use that in addition to other points.
I love my Chase card combo. I do the same thing with my CFU as my everyday spend and transfer to my CSP for higher value in the travel portal. Your videos are always done so well! thank you for sharing
It's always helpful to get an updated list of the best credit cards out there. I appreciate the breakdown of the different categories and how each card can be best utilized.
Daniel, your video quality is always superb. Great video as always!
The AMEX family has been very good for travel insurance and dealing with common travel problems, especially during covid and post-covid. There's intrinsic value in the card within that.
Amex sucks !! I would rather use Chase Reserve
I think it's also worth mentioning the version of the Savor card that has a $95 annual fee - you earn 4% on dining and entertainment which more than covers the fee if that's one of your major spending categories. I think it's my favorite card!!
Also another really great option if the math works out for your spending! Capital One is very underrated with their Savor cards
I have a lot of the Cards that you discussed, but also really want to get some of the other ones such as the Citi Custom Cash & Capital One Bifecta. Great video as always Daniel!
Great choices, Daniel. I have many of the cards on your list, but missing several. You’ve got me thinking. 🤔 lol.
Perfect list!
Hi Daniel! Thanks for this great video. Does groceries usually include online groceries as well?
First I have to say I really like your content how u break things down. Chase is my bank and I have a checking/savings account, but I used Capitalone to help raise my credit, so I currently have the quicksilver credit card. My dilemma is idk if I want to get the chase unlimited or Capitalone savor one. The only caviot that the savor one has is no foreign transaction fees. I travel to Mexico frequently. I'd appreciate your input.
I’d like to see more content directed at folks who travel maybe once or twice a year (which means travel cards are almost never worth it beyond the signup bonus).
As it is, we have the Sapphire (downgraded from Preferred), Savor One, Amazon, and Blue Cash. Savor One is super underrated!
I would have replaced the BCE with the WF Autograph. It’s 3% in 6 categories with no limits, plus cellphone protection beats the BCE.
That capital one card seems likes a great everyday card. However that 5% back at Target, gas and dinning with that Amazon card sounds lovely
Big fan! Thank you for all of your content, really helpful :D
Thank you so much for saying that Eric! Really appreciate the support and you watching my content. Glad to hear it's been helpful! 👍
I have the sapphire preferred and I was able to redeem >45$ worth of cash back offers within a year. I also redeemed the $50 hotel credit so the $95 annual fee was completely recovered (not to mention the point bonus)
Congrats, you are winning the credit card life.
Time to add some more cards to my setup!! 👀🤣Personally I have 6/10 on this list, and I could see myself adding 3 of the others for sure. The only one that doesn't necessarily fit my strategy right now is the Blue Cash Everyday considering I'm mainly focusing on transferrable points, but one I'm really excited about adding is the Bilt Mastercard assuming I'll still be renting come the summer when my current lease is up. This was a really solid list (and thumbnail might I add). Great work as always!!
Haha I really want to add some cards too, but I've gotta wait a few more months! Agreed about the Blue Cash Everyday - not exactly best for me because of it's cash back and I prefer points too, but still a great card for anyone that wants an easier setup to manage. Thanks Spencer - lol yeah I spent way too long thinking about this thumbnail and trying out different designs, so glad you like it!
Hi Daniel! I love the content. I do have a question which I hope you can answer. I have a payment plan for my school, which I pay monthly in full. I put it on the credit card, there is a fee that is associated with this, but I think I still get more back with the rewards/points. Is there a credit card that has the"best" rewards for this situation?
There are so many options. I have no idea how you guys keep up with all of this.
I’ve always had a super basic credit card with our local credit union. Decided to start looking around since we have a trip to Germany coming up later this year. All I am is intimidated now lol.
Start with the Chase Freedom Unlimited and the Chase Trifecta 3 card setup! I’ll have a video out about that next week which explains it all in detail, but I’ve talked about it in some previous videos as well
This is one hell of a video. This actually an accurate list. Even your honorable mentions were accurate. Personally, I think this is one of your best videos
...great presentation, as usual. Did you list these in random order or in order of preference?
Love your videos bro
Love to hear that! Thanks so much for watching, I appreciate it!
The chase trifecta (especially unlimited and reserve) need some changes. Would strongly consider savor one, venture x, and custom cash or something like that if I could do it again
Hahahah you pretty much said it too, should’ve just waited til later in the video
Yeah I agree, Chase should consider making a few updates to some of their card like those 2. Savor One, Venture X and Custom Cash together is honestly a very underrated 3 card setup! Very simple but effective if you know how to redeem Capital One miles - and then the flexibility of the 5% category on the Custom Cash works well with it. Thanks for watching Will!
Would love a video covering Capital One combos!
Sup man, it's been a while since I've been here. Im on my last semester as a student so I wanted to ask, what are the best student credit cards? Currently I own the Discover, Chase Student (which I barely use) and the SaverOne you talked about in this video.
Thanks for this video! Super informative! I have the AMEX gold and I am interested in both the Amazon Prime card as well as the blue cash everyday. Do you see a need for both?
The Amex Blue Cash Preferred is a favorite card of mine because you get 6% off streaming services and 6% off groceries, and it is packed with other benefits too! It is my favorite everyday card. You get purchase protection, an extended warranty, and other benefits! Take a look!
My first credit card was the Capital One Platinum card but I rarely used it and it closed a few months ago. Now that I'm learning more about credit, credit history and credit utilization, thanks to you lol, is there a way I can call Capital One and get that account reopened?
The only question I think I have rn is with the chase travel portal. I used it one time to book a flight and it ended up useing the points I had saved up for and I don’t think I got 5% cash back(points) towards my rewards. Is there a way to use the chase portal and pay in full so I can get that benefit ? Any help?
If you have the Chase Trifecta (preferred, unlimited, flex) and the Amex Gold. Would you still get the Venture X?...or is that too many different platforms?
You use Chase and AMEX cards for most spending, however mentioned the Citi Custom Cash for 5x gas. What do you do with the accumilated Thankyou Points?
Hey, since I have the chase sapphire preferred and I’m also a prime member, I was thinking about getting the prime card since it’s also by chase. I was wondering if it’s possible to transfer the prime card points to my sapphire card like I do with my freedom flex. Thanks for all your amazing videos btw! You are very informative and have helped me so much in making the right choices with cards! You’re amazing!
Yes, they just announced in May of this year that you can transfer the points to Chase Ultimate Rewards. Since it earned 2x on gas, this is what I use now.
Edit: After looking a little more into the points, you cannot convert them into Chase UR points, but you can only redeem them through the chase portal, meaning you can't take advantage of the 1.25x points with the CSR.
5/24 screws me over so my workarounds are Amex trifecta, Amex prime business, Wyndham business earner, custom cash and Bilt
I'd love to hear more about the Capital One Venture X and Savor One setup. I've had the Venture X for about 18 months, and just got the Savor One. I prefer this to the Chase trifecta
I think it's a really great alternative to the Chase Trifecta! I'll be making a full video on the Capital One setup as well as comparisons to the other setups from other issuers. Each one has pros and cons, but I'd say that Capital One's is pretty underrated, as long as you plan to redeem the miles for travel through the Venture X's transfer partners
I love my travel cards...I am confused sometimes on whether it better to use the travel portal or shopping discounts like the capital one shopping. thoughts?
Can you please expand on the redemption value for travel booked with the Chase Sapphire and Venture X? It seems like the Venture X offers more opportunity for accumulating points for most people based on the cashback categories, but CSP still prevails as the fan favorite. Is that because the CSP offers better redemption / ease of use with booking in the travel portal?
The redemption value for travel booked through the travel portal is fixed. It's 1 CPP for Cap1 and 1.25 cpp for the Sapphire preferred.
Where the real value comes from is through transfer partners.
I was able to get the 90k bonus on the Amex gold card, the sapphire preferred was my go to but the gold card is very worth it in my position
I just got approved for this card. Reading your comment makes me think I need to get one
Help!! I’m currently debating on what card to get next, my main focus for my next card is to have lounge access. I travel domestic 99% of the time so I need travel partners that have access to domestic airlines. I currently have discover it, Apple Card, freedom flex and sapphire preferred. Currently debating on getting the venture x BUT if you have any other recommendations let me know!!
Do you transfer your Chase Freedom Ultimate Rewards to your Sapphire Preferred and keep all the rewards under one card?
Would be great if you could make a vid explaining trip delay and baggage reimbursement insurance and how to use them.
What card do you like best for groceries at a regular Walmart? I currently run the Citi Double Cash card because all other grocery cards do not count it as a grocery store dropping it into the 1% other category.
Is it worth getting the Amex good if you already have the Chase preferred??
Cards that are guaranteed to be on Daniel's list... Chase Freedom Flex, Unlimited and the CSP😉.... Good info
Lol yeah the Chase cards are just easy value for a simple setup so I've gotta include them!
@@Daniel_Braun I want the freedom
Is the CSR worth the annual fee simply because of the 10x multipliers vs the CSP?
Could you use the $300 travel credit on the venture on Marriott and/or Hilton properties?
Since the SavorOne can transfer cash to the Venture X for miles, can the Spark 2% Cash Plus card transfer its cash to the Venture X?
Can you make a video on how to implement a 2 player set up like you and your fiancé have?
For the capitol one card savor one, is it selected grocery stores or any grocery store?
love the vid
nice recao. 👍
Thanks for watching, glad you liked it!
C1 Bifecta video would be awesome
I don’t have the venture x I just got the venture one before this. First credit card that I’ll ever have. Now I’m looking for a second one.
s it possible for you to review the Amtrak Rewards credit cards ?
I want to start traveling what would be your best beginner card for traveling ?
Do a capital one duo setup video please
What if you have a capital one card & want to get the amex travel card ?
Honestly I don’t spend money on any subscriptions lol nor go out to eat as much-unless I’m travelling (twice a yr). Just need gas, grocery’s, travel, and maybe clothes! 😅
Thanks dan
Thanks as always for watching Brittany!
Hey Daniel, can you review PenFed credit cards
I got a 709 credit score and I’m looking for a second credit card what card would you recommend
where did you get your shirt from?
Can you transfer points from Capital One Quicksilver to the Venture X
I don't believe so. One is cash back and one is points.
I’m hoping they change the welcome bonus on the freedom flex back to 5% on gas
Yeah that was another really nice sign up bonus offer they had going before this grocery offer which is also really good!
Today I just applied for the Charles Schwab Amex Platinum card, and I was fortunately accepted!
Do you still consider the Platinum to be worth? Not just the vanilla but the CS version as well? I also wanna add I’m AD military so the fee is entirely waived for me.
So far the gold card has been my favorite and most used card. My biggest expense right now is groceries but I luck out when I got to places like Costco who don’t accept Amex. Hoping I’ll find the same benefit outta the Platinum
Any and all high annual fee AMEX cards are worth it if you are AD and the fees are waived. I’m in the reserves so I have to wait until I’m on orders for at least 30 days to apply for a new one and have the fee waived. CS platinum is on my list to get in my next deployment. I hope it does good things for you. What do you use at Costco since they don’t accept AMEX?
@@jmbwashi I use my debit card strictly at Costco. This is one of the only times I don’t spend using my credit cards, but currently I’m looking to get a card that is accepted by Costco with good benefits. I’m gonna hold off on a card for there for a little longer just because I got the Amex Plat and I’m deploying in a few months coming up here soon. No need to get a card that I’m not gonna use for 6ish months.
Also this is just my 2 cents but if you don’t have the Gold card already I highly suggest getting it when you’re next on ad orders. It’s such a good card overall.
Have you heard about the new rumored chase freedom rise
Correct me if I’m wrong… but the 1.25x chase preferred doesn’t apply to transferring out to transfer partners? This is only for travel booked through the chase portal but not through partners?
Correct
That is correct
@@alexthai5223 that sucks then.
@@vikingengca9878 you get more value from those points by going to transfer parters though, can be upwards of 2 cpp
For the venture x, do you accrue miles when redeeming the $300 statement credit or is that an opportunity cost using the statement credit (no additional miles)?
Personally I don’t know the answer to the statement credit question but I do know that you don’t earn miles if you pay with miles when you book travel through their portal. It’s better to pay with the VX card to get miles and the use the travel eraser feature to cover the purchase.
I have the Venture X, and I think you get the full value? I couldn't go back far enough to confirm. But I think you book the trip, then you earn the miles. You then get a statement credit of $300.
Like John said, if you want to use miles, always book in cash first, then use miles to pay off the purchase. That way you get the 5x or 10x miles.
But be warned if you need to cancel or rebook. I did this and lost a lot of points. I booked in cash, and then use miles to cover the purchase. Had to cancel the reservation and while I got the cash back, I lost the points. Points are more valuable than cash, since they can be used for transfer partners. So if you care about points, make sure your won't cancel or rebook. Otherwise you lose out on points
Yes, you accrue miles when using the $300 statement bonus
@@scottshapiro2795 If you valued your points more through transfer partner, why did you use it to cover the purchase?
I do value points more than cash, but in this situation I was booking hotels and Capital One doesn't have great hotel partners. I've been saving points specifically for this upcoming trip, so while I do value points more than cash, in this situation cash was my only option.
Just got a targeted ad for CSP 80,00 points but just added the Amex gold a little over a month ago, should I accept it?
I just got the Amex Gold last month too and I kind of wish I just got the CSP..
Do you ever breathe? 😂 I wish you could slow down a smidge, I love the content, but my brain doesn’t keep up with you! Great video tho
Capital one venture x will also reimburse you if you find a cheaper flight elsewhere
In 2023 how does the CapOne Duo vs Chase trifecta look like. I'm on the fence of going with one of the other.
I choose chase because I looked at both transfers partners, and chase and the bilt card I could transfer those points to the hyatt hotels
I currently have the capone duo and it's super simple and reliable. From my experience its great i dont have any issues with it. I never had the chase trifecta so I can't give my experiences there
They are both good setups. Personally I like the C1 because of the added benefits and ease of recouping the annual fee and their travel portal seems awesome. With things like price match and price drop protection you can’t go wrong.
That said I will probably get the Chase trifecta too at some point just to collect the signup bonuses. I would probably only spend on the FF’s 5x category of the quarter and keep the CSP so that I could transfer points out.
I have C1, and based on my experience and what I've heard from other videos, Capital One is a bit simpler than Chase.
I also have the CSR so I know their travel partners, and at least for hotels, Chase kicks Capital One's butt. That's my main gripe with Capital One, not many great hotel partners.
But I do prefer the Capital One travel portal to Chase, and do like the lower annual fee that is extremely easy to recoup.
I don't think you can go wrong with either. If you're looking to transfer to travel partners, for airlines they are very similar. For hotels, Chase wins. For booking travel with points without transferring, CSR gives 1.5x back, but then also only earns 1x on many things that Capital One earns 2x on, but Capital One is only 1cpp.
Does the Citi custom cash card get points for EV charging? Like with gas?
I believe EV charging falls more under the "Select Transit" category and varies from location to location. Depends on how it codes for whether or not it falls under a category like select transit, so it'll take some experimenting to see what works and what doesn't
@@Daniel_Braun thank you very much !!!
Can you pair the venture x with any other card?
It works best with cards like the Savor or SavorOne, but I plan to have it along with many other cards from other issuers as well!
🔥
Thanks for watching Dayana, much appreciated as always!!
Has anyone's FICO score just drop 15 points for no reason? Mine just dropped from 767 to 752.
Zero late payments ever.
Credit Utilization is 1%
Did not open any new credit or have any inquiries. Nothing.
Do credit scores go down if you don't use credit cards for a month or something? I'm at a loss, no idea.
Thanks for the video! I have a weird request: would you consider mentioning some version of "chase is the #1 funder of fossil fuels" during these reviews? I know it's not directly related but I think it would go a long way in helping people understand the other dimensions of their decision of where to bank. Thanks for considering :)
Eh, no one cares.
Daaaaaniel, I JUST opened the BC Preferred D:
Another really great card don’t worry! More potential value from that with enough spending. Both the blue cash preferred and everyday are good for cash back setups 👍
To add on this comment, for the welcome bonuses, do you recommend just spending all the transactions on that card even if it doesnt generate me max points? Or splitting it to where it can only benefit me via points on other cards but I might not meet the welcome offer?
@@LiangJessie Hit the sign up bonus no matter what
@@LK_EBM yeah that's what i figured, thank you :)
"Oh hey, this guy seems to have a good list"
*Looks in description and sees disclaimer*
"Nevermind"
Unpopular opinion: I don’t like the AMEX Gold card. Specifically I dislike the services it gives credits on. I feel like even with the credits it is more expensive than just ordering from the restaurant directly so I don’t see the value in the credits and I don’t spend enough in dining a groceries to justify the fee without valuing the credits.
Do you at least value them 50%? That lowers the "net effective annual fee"
@@LK_EBM personally, I wouldn't. I am pretty sure even picking up myself would end with me losing money compared to not using Door Dash or Uber Eats. Maybe I'm wrong but I that both services hike the prices by about 30-40% and then add other fees on top of that. If I used Uber rides or are regularly at some of the other restaurants that would be another story. I think the best I could do is maybe value each credit at $10 because I might eat at the cheesecake factory once a year and maybe use Uber rides once a year.
Yeah I really wish that the dining credit was just a general dining credit or at least had more options. I've been valuing that credit lower and lower each year for me personally, but I'll use it for Grubhub occasionally. Uber is a 100% value credit for me though which helps lower the effective AF. Always good to have that honest evaluation of your spending habits like that though! Not everyone will value these credits on the Gold card the way they should which can be a mistake
@@jmbwashi Thanks for sharing! I'm considering getting the Amex gold, but I don't want to fall into the hype of the $10 " net effective annual fee" that some social media creators claim
The 4x groceries is absolutely worth it
Why was I able to name every single card when they were blurred out lol
I think the world of haytt is a good card too since you get 1 free night per year
I love that card and plan on getting it in the future as I like cards that I don’t have to spend a lot on to get great value out of it. Keeper cards as they are called.
I have the card, and I like it! Hyatt keeps lowering the value of it, as they keep devaluingg their loyalty program every year
Hi,did you still make a video?
Could you not do the video shaking transition effect?
Can you use the built card to pay your mortgage/
Right now you can't, but they've said that this might become a feature in the future!
@@Daniel_Braun darn! Bought my own place recently and thought this might help me make some extra points.
@@HammerOfThong I think it will eventually be added for mortgages! I'll keep my channel updated for if it ever gets announced
@@Daniel_Braun you the man! Thank you for everything you do!
Daniel u ever travel to canada
Not yet but hopefully will do that trip sometime in the coming years!
What are your thoughts on the Navy Federal Visa Signature Flagship card?
I'm not as familiar with Navy Federal cards myself, but I just looked at it and I'm not a big fan of the $49 annual fee for a card that's basically earning 2% back on everything and 3% back on travel. There's other no annual fee cards that can do the same thing that might be better instead of trying to justify that annual fee.
Sign up bonus is decent though and there's a few other perks and credits that provide value in first year - but long term seems like too little value for an annual fee. If it was no annual fee then I'd say it's a great card though!
I don't like Capital One Travel channel. Hopper isn't a very practical platform for hotels. I have had issues twice
Have you have any US bank cards?
Us bank cash+ should have definitely been 1 of the 8 or at least an honorable mention IMO..
I hate how smart you are, its not fair lol.
The freedom flex you get 5% up to
1500 is what your saying
Correct, 5% back on up to $1,500 of spending per quarter. After that it goes down to earning 1% back. So max of 7,500 Chase points per quarter in the rotating 5x categories
@@Daniel_Braun what's the fees per year on that
Question:
Why is it I've seen most videos talking about which cards to get but I never see the downside to actually using a credit card. Example, I get it's a benefit to using the cards but we never talk about the fees that come along with every transaction. Use the card enough to get reward points to cash in but your giving that cash right back with the extra fee they charge every month along with your monthly payment..
😎
Thanks as always for checking out the new video!
Will be canceling the gold card this year. I hate the idea of $10 months credits, just to justify having this card. I wish I could just pay $10 per year and no credits, then it would be a great card to have.
bruhhh slow down why you going like Eminem its hard to keep up
Time stamps would make this 80x easier to watch
Never touch Capital One!!! the Worst customer service!!!
First
You got it, first place! 🥇 Thanks for watching so early after the upload!
Is it ok if I put a referral link on your channel? I have a lock on you referral page on discord.
🤣
This is only the good cards