The Only 5 Credit Cards You Need in 2024
Vložit
- čas přidán 7. 06. 2024
- 💳 My Top Credit Cards: danielbraun.me/TopCreditCards
Click "Show More" to see Ad Disclosure.
In this video we’re looking at the only 5 credit cards you need in 2024 to get a ton of value back from your everyday spending. Whether you’re looking for the best travel credit cards or the best cash back credit cards, these credit card setups will keep things simple while still helping you to earn potentially thousands of dollars in rewards every year.
Not everyone wants to have 20 or more credit cards in their wallet, so picking a strong 5 credit card setup will be key to making things easy to manage. There are many cards to choose from issuers like Chase, Amex, Capital One, Citi, and more, so this video is going to break down which credit cards might have the best features and benefits for you.
TRAVEL SETUP:
💳 Learn More About The Capital One Venture: danielbraun.me/Venture
💳 Learn More About The Capital One Venture X: danielbraun.me/VentureX
💳 Learn More About The Capital One SavorOne: danielbraun.me/Savor-One
💳 Learn More About The Amex Gold Card: danielbraun.me/Amex-Gold
💳 Learn More About The Chase Freedom Flex: danielbraun.me/FreedomFlex
💳 Learn More About The Chase Sapphire Preferred: danielbraun.me/SapphirePreferred
💳 Learn More About The Citi Premier: danielbraun.me/links
(Bonus Cards):
💳 Learn More About The Bilt Mastercard. Use the card 5 times each statement period to earn points: danielbraun.me/Bilt
Bilt Terms: danielbraun.me/BiltTerms
💳 Learn More About The Amex Platinum Card: danielbraun.me/AmexPlatinum
CASH BACK SETUP:
💳 Learn More About The Citi Double Cash: danielbraun.me/links
💳 Learn More About The Capital One SavorOne: danielbraun.me/Savor-One
💳 Learn More About The Chase Freedom Flex: danielbraun.me/FreedomFlex
💳 Learn More About The Citi Custom Cash: danielbraun.me/links
💳 Learn More About The Amex Blue Cash Everyday: danielbraun.me/BlueCashEveryday
💳 Learn More About The Wells Fargo Autograph: danielbraun.me/links
(Bonus Cards):
💳 US Bank Altitude Go
💳 Chase Amazon Prime Visa
OTHER USEFUL LINKS:
🏦 SoFi Checking & Savings ($300 Bonus): danielbraun.me/SoFi
🛒 Get a $30 Bonus With Rakuten: danielbraun.me/Rakuten
📈 Up To 15 Free Stocks With Moomoo: danielbraun.me/moomoo
FOLLOW ME on Instagram: / _danbraun
CHECK OUT SOME OF MY OTHER VIDEOS:
▶️ I Ranked Every Credit Card (Here’s What’s ACTUALLY Good): • I Ranked Every Credit ...
▶️ Chase Sapphire Preferred vs Reserve (Choose Wisely): • Chase Sapphire Preferr...
▶️ You’re (Probably) Killing Your Credit Score: • You’re (Probably) Kill...
▶️ 7 BEST High Yield Savings Accounts of 2024: • 7 BEST High Yield Savi...
CHAPTERS:
0:00 - Intro
0:45 - Catch All Card
4:28 - Food Card
8:10 - Rotating Card
10:24 - Wild Card
14:24 - Multipurpose Card
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, I recently saw your redemption video and binged watched every single video, there is no turning back. Please upload more frequently or else the waiting is horrible!
I have a set up im pretty happy with. Venture X for a catch all 2X, Hotels 10X, Flights 5X. Then Amex Gold for 4X groceries and dining.
That’s my plan too!
Excellent and simple setup that covers 2 sets of transfer partners!
Why not savor? Nearly same benefits as gold minus the $300 annual fee
@kchiang4 it's a fair point for sure, but I like the flexibility of two sets of transfer partners and the added value if the uber and dining credit that I take full advantage of every month. Amex customers service is a cherry on top for me personally as well.
@@kchiang4if people utilize the monthly credits each year it’s essentially a $10 annual fee and the sign on bonus is way better
Awesome video the Venture X is my favorite card for travel. It’s been a blessing for me.
Great video with some great cards! Love the Venture X and SavorOne duo you mentioned. I think a fun idea would be doing a similar video for hotel or airline cards! Hotel cards bring me a ton of value and would love to hear your thoughts
Great video as always Daniel! Thanks for sharing your picks. Love the SavorOne🧡
Thanks Jake! SavorOne is such a great card
Thanks for the video!
Hey Daniel just want to say thank you so much for your content. One of your videos randomly showed on my feed and it got me started on my credit card journey and I ended up getting the venture X and my wife the savor one, thanks!!
How do you like the Venture X?
Great information. Thank you!
Loved this video
I’m so glad you mentioned that having too many cards can leave you unorganized etc.. Unless you are well heeled in this space, it can overwhelm you and leave you frustrated! I just canceled the Amex Gold because it wasn’t bringing me the value I thought it would at this point. It’s a great card, but just not at this time for me. Thank you Daniel! 😊
Yes. Some folks have got the organizational skills and others, not so much. I fall in the latter category myself. 3 cards in and I'm getting headaches trying remember what card is due, which I'm using currently, etc.
@@scarling9367 I opened 15 last year! I had more hair in 2022 than in 2023! lol. But I use several apps and take crazy notes to keep track . If you ever need any assistance, please feel free to ask me. Have a great weekend!
I also have a gold and am thinking of canceling my card. Does canceling the gold card bring your credit down much?
It does not because it is a charge card and not a fixed credit card amount. My score did not drop at all and I actually just got the Green card instead. It's great for travel and dining!@@azraellucis
@@azraellucis No because its a charge card
Love the video 📹 ❤️
good pick Daniel, I love the editing and the card earning category and benefits layout.
Some fantastic picks
A black henley huh? That's a new look indeed. Good video!
Hey Daniel,
Question about redeeming points for travel. When transferring to a parter, let’s say United, can you redeem using point and cash. If I don’t have 200k points. Can I use like 150k points and pay the difference in cash?
Hey man, can you get a newsletter going? Or not even a newsletter but like a way to set up email alerts for like nice offers or nice transfer point rewards? I assume you are always looking at this stuff on free time, you could have a newsletter and charge like $5 a person and just update those. Even like If I have sapphire preferred then I could set up alerts for that card specifically?
Just a thought I know some apps have these but they aren’t very User interface friendly especially on mobile!
I feel like the csp and savor one overlap in the spending categories. I currently have the venture X and freedom flex a d am thinking to go csp next so I can unlock those chase points.
As for groceries I spend abt $300 a month and the 3x vs 2x isn’t a huge difference.
Thoughts?
Super helpful as always! My fiance and I are thinking about getting a card to share and are leaning towards the capital one venture x. The only way to do this is to have a primary user and an authorized user. Would each person still have access to the benefits of the card?
Can you do travel redemptions videos? It's great earnings points but would love to learn how to use the points more.
That’s my next video actually! Amex points guide with examples of redeeming for travel as well. More videos will be coming soon with more examples because I know that’s what people want 👍
I’ve got a few others on my channel with how to redeem for travel. Here are some of them if you haven’t checked them out yet:
- czcams.com/video/fll_r2wT5n4/video.htmlsi=SgWFrQxY7hizAV6i
- czcams.com/video/uIY268QxEGE/video.htmlsi=NKlzvAi9bSyNpsGL
- czcams.com/video/QjF3y_KvXvw/video.htmlsi=SiyOWe5I9wmvhnde
I just redeemed a $2,499 flight from Dublin to DFW for 22,000 miles. I don’t think I’ll ever see that CPP value again as long as I live lol
Wow that’s insane! Were there any taxes and fees to pay along with the 22,000 miles? And is it a direct flight from Dublin to DFW?
Any reason youv recommend the AMEX blue vs AMEX blue preferred? As long as you spend 4,600+ each year on groceries, the preferred us the better card.
I am not into the travel cards as we usually travel once a year (if that) and it is on a budget, so many of the perks that travel cards offer make no sense to us and I am no into paying for CC in the first place. We would have never purchased expensive air tickets or hotels in the first place so those redemption options are pretty much useless. I carry at this point 2 cards - Apple Card for %2 cash back for pretty much covers 99% of purchases with the exception to some sporadic Amazon purchases and 2nd card is Costco Citi Visa that gives us few other categories like, restaurants, gas/ev and travel which if you combine with Executive membership and use Costco portal you essentially get 5% cash back on travel, rental etc related purchases. Both cards offer no foreign fees too. Could you score better rewards, sure, but I dont want to hassle all year for what might turn into an additional $25-50 of cashback.
Sofi CC catch all cash back.. 3% all purchases across the board
If I already have the Freedom Unlimited, but could not get the freedom flex, should I apply for the sapphire preferred anyway?
Or should I change my unlimited to flex and then get the sapphire preferred?
I got the discover it card and the Apple Card also 😅
I am already pre-approved to the sapphire and Amex gold card
Daniel got a new shirt, maybe he’s gone team cashback
You know I love my Cuts shirts haha. Not team cash back yet though 😬
What brand are there t-shirts? I am getting FOMO 😂
He still goes outside, he's team travel
The brand is called Cuts for the t shirts!
@@Daniel_Braun you forgot to mention the US Bank cash plus card that pays 5% cash back on reoccurring bill payments, and that includes home utilities
Applying for the Venture X tomorrow on Feb 1st, hopefully get approved! Another great video! Solid tips for both CC holder.
Did you get it?
@sachinperuri2249 yes!! It arrived yesterday in the mail. Won't lie, I was scared
Did you get approved?
@ugoewulonu4936 yes!!!! Was so excited 😀
Yes I just got my Amex Blue today.😊
Let’s go we are early!
Great video. I want to apply for a Chase card, but I am not sure if I need a banking relationship?
I just got approved for a freedom flex, solid credit score but with no banking relationship!!
Feels like I’ve been subscribed since I was 7 years old, I’m now 22
Capital one venture x and Amex Platinum must have.
In your capitol one video can you show good examples of redeeming miles on hotels
5:29 I don't understand what you mean by "pair up" in this example.
What do you mean by "turning cash back into miles"??? I don't understand how exactly you go about doing that, as you said.
Any clairfication is most appreciated, Daniel. Thanks.
Hi Daniel! I really enjoy your videos and refer to them every time I get a new card.
Question for you: BF and I are splitting a lot of costs and we wan to have a credit card under my name that we pay off together as it will be a lot easier for budgeting. Main categories would be groceries, restaurants, gas, streaming, Amazon, household goods / furniture etc., your normal household expenses that people share.
1. Which card would you recommend: credit score is 750+, I currently have the Discover It and Sapphire preferred. Thinking of getting AMEX Blue cash preferred.
2. What is your experience with AMEX? I am concerned there may be lots of businesses like restaurants, stores and gas stations (that don't accept it due to high fees). Want to know what your experience with this is using your AMEX.
Thanks!!
What I like about the reserve is also what I hate about the reserve and that is that it's hyper focused on travel. That's why the preferred is more up my alley
Just applied for the Freedom Flex. Hoping that’s on the list. Finally completed the trifecta
Yeah it’s on the list! Congrats on completing the Trifecta! 👍
I’m tryna get into the chase ecosystem freedom unlimited I’m at 4/24 tho 😭
@@_jhxnIt surprises me how many people get into chase late. They were my first and still are my only bank and my first credit cards.
I am about to close my Amex Gold because I find trying to maximize the Uber credit and dining credit tedious. It’s sort of tiring in general to play the credit card game in general I feel. Maybe Ramsey is getting to me finally. 😅
Same… what you think of switching to?
@@wags8459 With BOA if you have enough in your accounts you get a 0.75 bonus so with my card I will get 2.75 cash back on groceries, 3.75 and 2.25 on everything else. Not too shabby. (This is using the Travel Rewards card and the general cash back one with a category you can pick)
What are best card for balance transfers? I have a good credit score (750) but simply can’t get anywhere paying down my balances.
I have had my Citi card since 2020, and they decided to close it after 3 years, this needs to be talked about on the channel, add about how bad customer services
I need some help! I am a student looking to get into the credit card game. I still pay rent so I was thinking of applying for the BILT MC for the benefits it provides. I also travel a lot (flying) for work/school and some domestic flight family vacations (I enjoy traveling and want to start building sooner than later). I like the CSP rewards and transfers but don’t know if I will qualify due to my lack of credit duration on my current card. Should I start with the CFU or try to get the CSP to pair with my BILT? Any advice is appreciated
Unless your credit is pretty solid they might not even consider you. He has a different video about the “optimal” order to get credit cards. A good starter card is “Discover it” or even chase freedom or citi 2% back. Once you have those for like 3 months, you can add another card, and repeat until you have about 4 or 5 cards
Think you could do a video for active military? As an example, what would you recommend for us since annual fees are automatically waived while we’re in?
same here, nobody has actually given me a straight forward answer most people say just get all of them, but for me i have my eyes on the Savor One card for 3% cashback at restaurants and grocery stores and Custom Cash for 5% cashback on gas. What cards are you looking at?
@daniel_braun - is it inefficient or suboptimal to mix across these categories? Meaning of the 5 credit cards, having a mix of travel-focused (e.g., Venture X) with cash back-focused (e.g., Custom Cash)? Do you recommend only sticking to 1 vs the other?
You could probably answer this yourself by doing more research into the cards you think is best and then checking your budget. What's best depends on your budget anyways
I wonder what a perfect setup would be minus the sign up bonus
Nothing on Costco card?
Do they yearly bonuses on the venture (x) cards stack if I don’t use them?
Also could I just have the C1 Venture card, gather the points, then open up a Venture X card and use that cards benefits with the points I got from the Venture card?
Or if I start with C1 Savor would those points transfer between the cards aswell?
Points for the majority of cards are a penny a point, is it really worth it to be collecting points?
Do you have a video for people who are looking for 1 travel credit card?
Fantastic video!! Just got the Capital one VX card, but I also have the Chase SP, they are both travel cards and the VX seems to rack up points a bit faster (2x on everything etc), would you recommend keeping them both or downgrading the Chase to a no fee one?
Vx points are worth less than SP points
@@Ben-he4jxHow do you figure?
I do the Amex Platinum card, Gold card, Green card combo
Any reason to double up on the green and platinum other than the SUB?
Blue cash everyday has been solid for me. I love this card! Great video, Daniel!
I also have it alongside Discover IT
can you go from say chase ultimate to chase flex in 12 months ?does anyone know
Hi Daniel, I'll be staying in a hotel for work for about six months straight. Which hotel credit card would you recommend for the best value in this situation? Thanks
With that many nights, I would think about elite status as well as which chain has hotels in the places you'd want to go for leisure travel trips. The goal would likely be to earn status and tons of points for places you'd want to travel.
With 60 nights in Hyatts in a year, you'd get Hyatt's top tier Globalist status which most consider the most valuable hotel status in the game. Plus they just added extra benefits for every 10 nights, so with that many nights you could get the Milestone perks at 70, 80, 90, etc. nights as well. The perk for 150 nights has the new uncapped free night certificate, plus you'd get a number of other free night certificates along the way. You could supplement that with the World of Hyatt card for 1 Cat 1-4 free night certificate per year plus another one if you put $15k in spend on it in a year, plus it could earn you even more elite nights (Though there are no milestone benefits beyond 150 nights).
If Hilton sounds better, you could do the Surpass or Aspire to earn a lot of points and an uncapped free night certificate or so (with $15k spend on the Surpass, or included with Aspire). You would just earn the Gold or Diamond status through the credit card alone so all the nights you'd be staying there wouldn't be as valuable aside from the points you'd earn. Though I supposed you could earn Diamond status through your stays while only paying the $150 Surpass card if you didn't want a premium card
If Marriott works well for you, you could make the case of getting the Amex Marriott Bonvoy Brilliant for the 85k free night and Platinum status, or the Chase Bonvoy Boundless for 35k free night for only $95, and using all these elite nights from work to help you get closer to lifetime status levels. The Bonvoy Boundless has that 5 50k free night certs sign up bonus going on now which is really good.
The savor card looks promising
Literally only use my Venture X and Savor One Card. I really never understood why Amex is so desired its like wanting a designer bag. I don't see the value in it personally. Venture does what Amex does with travel and rewards with less annual cost.
I learned a lot from this video. Thank you so much 🌈
US Bank Cash+ for Utilities and Streaming 5%
AAA Daily Advantage for Groceries 5%
AAA Travel Advantage for Gas 5%
Citi Custom Cash for Dining 5%
Chase Prime Visa for Amazon 5%
Amex Delta Gold Card is my catch all for everything else
I'm actually looking at a slightly different set up. BILT for rent and restaurants, AMEX blue cash prefer for gas and groceries, double cash for catch all, and sapphire reserve for travel
That sounds like a solid set up.
nice setup, mines CFF for groceries, CCC for dining and CSP for dining
Nothing for gas?
@@creativekiiier1649 I used the 5% wholesale gas and I got the cash card CFF last quarter and still using that.
You’re not bothered not being able to pool your points into one ecosystem?
I'm using US bank attitude go to replace amex, as it offer 4x on food but no annual fee
Is the Chase Freedom Unlimited a good option for a catch all card?
I think it’s decent, but I wish it were 2X instead of 1.5X
Important caveat on the Double Cash. If you redeem for a statement credit then you do not get the full second 1%.
That’s good to know, thanks! I’ve considered getting it to pair with the Custom Cash in hopes of transferring rewards to a 3rd party high interest yield savings, but statement credit doesn’t sound as enticing now
@@nickobeazo You could still do a direct deposit and get the full 2% and transfer to an HYSA. It’s just that due to how the card works you get 1% when you pay off your statement. So if you do a statement credit, you’re reducing the statement amount you’re paying and not getting the full 1%. It comes out to a fraction of a percentage but a quirk worth noting.
@@TT92348 oh I see, I think I misread your initial comment about how the extra 1% works. That’s how I would use the full 2%, as a transfer to the HYSA. But that is lame that you don’t get the full 2% if you redeem for statement credit
What do you mean?
@@ugoewulonu4936 The second 1% of the 2% cash back comes from you paying off the balance. If you get a statement credit that reduces your balance and you’re not getting the full 1% back.
Hi Daniel, i just downloaded your points transfer budget sheet (thank you so much for that!) i had a quick question about inputting values and was wondering which was more accurate. I'm looking at flights from sfo to hnl and on google flights it's $357. On chase portal it's $414 for the same flight. In your sheet in the cash section, which number would be correct to in put. 357 or 414?
Always the cheaper option because that’s the “true” market price to make the decision to redeem points or not. Sometimes the portals have inflated prices, so good job for spotting that.
Thanks for downloading that sheet as well!
@@Daniel_Braun that makes sense. Thanks Daniel. I have the Sapphire Reserve and using the calculations, 1.5cpp is still the number to beat right? Even if standard is 1cpp and I find a flight that is worth 1.41cpp, since I get 1.5cpp conversion, it usually makes sense for me to redeem through portal?
Correct! 1.5 cpp is the number to beat with the CSR (assuming that the price in the portal is competitive with prices for the same travel elsewhere).
It’s pretty much just comparing options anytime you wanna use point to book travel.
can you go from say chase ultimate to chase flex in 12 months ?
Can you have the American Express blue cash card for your everyday use and also have the American Express gold card, Is this considered a good set up or a bad one?
personally I wouldn’t, just because I enjoy diversifying my credit portfolio to maximize rewards, and with the Amex gold card you would have to go out of your way to maximize the uber and dining rewards. I currently use amex blue cash and it’s amazing for all around cash back, and I have my other cards for separate purposes
I was thinking about this, seems like a good combo to me, gold card for dining out and groceries, BCE for gas, online shopping and catch all
I wish I can call you so you can tell me what card to get lol. This my first one and I will like to travel more. American express card too much for me. I Dont care about cash back I want maximize my flight points.
I like how you broke this down. Good vid
Thanks Lani! Much appreciated man
Tafada credit cards are also a great option.
This might be a dumb question but I’ve never had a credit card before and I really just wanna build my credit score, I use a debit Bank of America card. How does one get “approved” for a credit card?
Yeah its a bit tricky as they look for credit history to see if your eligible but since you have none they will be reluctant to issue you a card. I would start out on a "Discover It" card as it kinda half way from a debit card and credit card. You pay money into it as an advance and they they allow you to spend your own money and in return they give you credit. Once you get started and have a credit history the offers will start coming in form everywhere.
Can you transfer the venture to the Savor One?
Yes. You can share rewards under the rewards tab I do it all the time. I use Savor when I go out to eat or expense for a client dinner and I transfer them over as reward miles
@@xarbinchaoticneutral1785 sorry I meant is there an upgrade or downgrade path
I have all five of these credit cards since 2016
People be sleeping on the Lowes 5% card and BoA 3.25% cash back on 2 categories and $2500 per quarter. No annual fees for either
Venture x: comes with Cell phone protection.
Most visa credit cards: HELLLLLOOOO I EXIST TOO!!
No one talks about the SoFi credit card. It gives you 3% cash back for the first year then 2% cash back afterwards.
What’s the limit?
PayPal MasterCard gives you 2% on everything and 3% on all third party purchases that use PayPal and you set your PayPal MasterCard as your primary payment option.
but no welcome bonus
Wells Fargo autograph already dethroned half of these
Does Chase sapphire preferred ever send out those pre-approved mailers? My credit acceptance paranoia is next level 😅
I'd feel more confident even if my credit score is fine...
as long as you have a strong credit profile you should be fine, I am the same way and when I applied I got instantly approved, I did have 2 other chase cards though
Yes. I got one earlier this year
You only get the 3% on groceries if you are willing to over pay for groceries by 10% or more 😂
You don’t get points at Walmart or any of the discount grocery stores/clubs. Further, many of the discount grocery outlets don’t accept credit cards.
I'm new to credit cards i started with discover it and I eat out a lot so I got savior one as my second credit card. Looking for a third option to decrease the utilization for both cards
Chase now requieres you to call to be able to transfer point to world of Hyatt . Love your channel ! Thank you
Since when? I transferred to Hyatt maybe 2 weeks ago and it did an instant online transfer like always
What steered you away from the Chase Trifecta?
Any reason you didn't list the freedom unlimited? That 5% gas and grocery they're running rn looked nice
Both the Freedom Unlimited and Freedom Flex have the same $200 (20k UR points) + 5% on gas/grocery in Year 1. The bonus categories are the same, except the Freedom Unlimited gets 1.5% cash back on non-bonused spend, while the Freedom Flex gets 5% on rotating categories.
I got the Freedom Unlimited as my first Chase card in July 2023, but it has been retired to the sock drawer (with the exception of drug store purchases at 3x points) since I got the Capital One Venture X and the Chase Sapphire Reserve. 2x on the Venture X > 1.5x on the CFU.
Most of the content creators leave out special welcome offers so the video is still relevant after the offer expires.
Five cards is the optimum number that the FICO models are designed for.
I joke that it's because the FICO boys can only count on one hand😂😂😂
The PNC card is great for gas purchases
Best card for Gas?
Citi Custom Cash if you make it your dedicated gas card.
Why don’t anyone cover the US Bank altitude reserve? That card is amazing and super super easy to use the 325$ credit. And super easy to get enough value to fully cover the as fuck with points.
I have this card and love it.
Probably the lack of transfer partners to airlines. The 3% cash back on mobile wallet purchases (4.5% when redeemed for travel) is nice, but I would rather stick with the Venture X at 2x for general purchases, and get an effective 4% - 6% back when using transfer partners.
Luke's Points and Miles is working on a WF setup.
No transfer partners is probably the biggest reason. You can’t have a luxury travel card and not have transfer partners when EVERY other competitor’s luxury card has transfer partners
@@robotnik1937 i guess that could be it I frankly treat it as a cash back card I don’t care about transfer partners. The 325 is super easy to use no hoops to jump and to offset the annual fee it only takes like 11k spend all on 3x and all my bills like car insurance,phone bill groceries etc all accepts apple pay so technically am getting 325 a year free.
Amex Gold is trash after they ditched the airline credit for Uber credits.
😊
Appreciate you watching as always! 👍
Robinhood card about to blow these out of the water.
TD bank double up > Citi double cash
why?
@@boston9090Visa, unless you have a set up with citi
I tried downgrading my capital one card and they politely told me to fuck off. Do not tell people this is an option!
👍🏻
I actually was first, wow , I’m shocked 🤣
Haha you’re always in the running for it with every upload - you definitely got it for this one! 🥇
First
So close! You got number 2 with this one 🥈 but thanks as always for the early view and comment
Just encouraging more debt!
No one is in debt but you lol. We pay our bills in full every month my credit card debt is $0.
Shiti double trash is the worst
Even 5 is too much
Great cards and setups! As always, great video and information Daniel! Keep up the great work!🫵