Used to think Credit cards and credit scores aren’t a big deal until I watched one of your videos.. Now, I binge watched almost all of it and am planning to pay off my credit card and apply for a BILT mastercard… thanks for everything John!! 1 month Update: I paid all of my debt by paying it off aggressively. Started using my credit card for everything and paid it off before my statement date. My credit score went up 40points from the last time I commented here. Finally applied for the BILT card using John’s link and GOT APPROVED!!
@@He787878787787 you're right. However, I'm actually trying to pay off my mom's debt that she accumulated using my credit card. Now I changed my card so she doesn't have access to it, allowing me to pay it off and get my score up.
John It's funny..I have every one of these card u mention...n I 100% agree that the Bilt is my favorite. You are my favorite..I did apply 1 card thru your link..appreciated what u do brother..good luck
@@johnsfinancetips I’d like to call and talk to you. If you cost for time we can discuss price. However I need some advice asap on credit card issues with my business! My business spending blows past the best credit cards criteria for bonuses and spending by a landslide, but it also has zero credit history. (Hence-got denied on our very first application). I’d like to talk about what to do in order to get the cards I need asap. Lots of money missed per month by not pulling the trigger and it’s driving me nuts. I need advice I can trust and you Sr. Are the guy. I look forward to hearing from you.
I found your page right after I had paid off all my credit cards. after binge watching you for hours I learned that I had missed so many opportunities over the length of time I've been using cards. I waited for my credit to go up a bit, then started using all of the tricks you've shared and I saw a 25 point boost in a month. I have better credit than I have ever had. Thank you for the amazing content, that teaches people like myself how to get better financial health.
The Amazon prime card being metal is cool, but I have it in a drawer because I buy Amazon products from my phone so it doesn't matter that much to me lol
To support John's point about business cards...Here's how easy it can be to get a business card - I literally listed 0 years in business and $0 business income for the previous year and was approved for the Wyndham Rewards Earner card.
@@johnsfinancetips Initially I was kind of concerned about my odds of approval because I was expecting to be asked for anticipated income, allowing for some "optimism". If you're covering a specific card, it would be great if you can include if the application is forward or backward looking.
I just got approved of the Amazon one! I can’t believe I always ignored their popup message telling me to apply(I buy from Amazon probably every week lol). Ideally I would like to have all of those cards! I really want the Venture X but after getting the Amazon card my credit score went from 733 -> 700 Transunion and Equifax is at 737. And because of loans and student loans I see it very difficult to get the Venture X(I have had the QuickSilver for close to 2 years now) and I have had credit for 3 years and 2 months. I do think that I stand a chance with getting the Venture card(not the X) and was hoping to use it to get some flights for late June but I don’t know if it will be approved or if my credit will go up so that I can apply for it with a better credit and still giving me some weeks in advance to book the flight(I do plan on getting that sign on bonus). I must say I am grateful for finding your channel a few years ago. I literally had a credit score of close to 600 because I used a credit card to buy something and forgot to pay it and didn’t think credit was a useful thing. Since early 2022 I paid that debt that was sent to collection, and my credit went up by a lot(had it at 738 Transunion a few months ago). Crazy to think it used to be a low 600 a few years ago and how long it took for it to go up! Thanks for all your content, John!
Could you do a video on canceling a credit card? Say I wanted to take advantage of all these amazing options, but I've been using one card for a long time that isn't really benefitting me. Would you ever recommend closing a line of credit, or would you just leave it open?
Leave it open and leave it dormant until they close it. That way you keep credit history up and grab the cards you want. You could also product change.
Personally most "new" cards I cancel after 12 months if all I'm after is the sign up bonus. I've opened well over 60+ cards and currently just keep 8 - 10 open
I considered this card last week. Having already started an aggressive Alaska focus, I didn't want to split my banked miles with AA. What a difference 1 week can make, so I am signed up! I've never been in the Chase ecosystem, so the addition of Hyatt is a major plus as well.
You really have to watch that amazon prime card though the terms are a bit insidious if you arent watching in the terms if you dont pay it off completely like you should you will be charged interest on the entirety of the spend for that billing cycle not just the amount remaining not a problem for me but something to be aware of
@MultiJuan120 my guess? He didnt mean to upload it until now. Which is annoying because it uploaded RIGHT when I needed it and then i closed the app and it was gone 🤣
Great video! Always straight to the point and well explained for beginners to understand! Hoping to add the CSP, Venture X, and Ink Business to my collection this year, started off with the Ink Unlimited (90k offer) in January
Great video/list and I have all of them with the exception of the Bilt MC but it’s on my list to scoop it up later this year after I complete my Capital One duo by adding the Savor One card.
It's super interesting that all these credit card guys are always talking about how easy it is to obtain a business card for people who don't strictly have businesses, but then they are super vague or don't say anything at all about actually using those cards for purchases. Are you telling me these same people who only report a $3,000-5,000 income for their "business", are then going to spend twice that on a business card with "business" purchases? Or are all the card guys silently encouraging people to make personal purchases on business cards? Which, by the way, I was told over and over by my CPA that if I get caught doing that, I could lose ALL my credit cards with that company. I just don't get it. No one is talking about this.
I just took my family to Orlando and spent a whole bunch as we were away for 2 weeks and i had to book 2 rooms every where we went. I racked up 60000 ultimate rewards points, why is this only work $500 if i were to use pay myself back but it is worth a business class ticket if i were to purchase a flight?
Congrats on getting engaged! Can I ask why the Altitude Reserve wouldn’t get mentioned in a top 5? If you travel once a year like the venture x it’s even better l. Too hard to get? No referral link so we ignore it?
If it is not your initial card it should be fine because; if it were it will default your C.S. to your then oldest which would potentially damage the C.S. So it would void the oldest card on history category. other than that intermediate cards that my have annual fee would be potentially beneficial if you didnt optimize or spend enough to make it worth it.
I just got my BILT card and got the 5X on purchases for 5 days. I am so excited to start using this card to pay for rent and earn value for it. Plus, to meet the 5 uses per billing cycle to earn points, I'll be able to pay for 4 of my other necessity monthly spends to make sure I use it enough times. Do you have a video actually showing how to transfer points and make sure you're getting the best value for what you choose, like a demo? Thank you so much!!
Love the videos and I may be wrong but Global Entry is $100 but it’s good for 5 years. So yeah you’ll get $5 back the first year of having Venture X but after that it will be at least $95 after using the flying credits. Full disclosure, I have the card and I love the card thanks to your video 🤝
Im on my first year of credit cards Opened a chase freedom rise i want to upgrade to unlimited eventually And a capital one quick silver secured that i can probably up to venture at some point. Yesterday i got Bilt because, why the hell would i not LMAO But im deciding between savor one and citi custom for the fourth. Suggestions?
If you have the Chase Sapphire Preferred card and are debating between Chase Sapphire Reserve vs. Capital One Venture X, is it more beneficial to stick with Chase to keep all travel spending under one bank (to maximize points) or is it worth getting the Capital One Venture X instead due to its benefits/lower annual fee?
Do you have a video on chase cards that we should get in order ? I want to use the cc as a cash back for gas and groceries. But at the same time those points I want to convert them.
You just have to go through any affiliate link. His link wasn't working for me so I found the cards review on Bankrate, then clicked the "Apply here" Link they had and it will take you to the application page that will include the bonus. But obviously if you can get Johns to work I would use his first
Hi love your videos, I just wanted to commented on the Chase Ink Card. Even though is a business card ,it still counted under Chase's 5/24. I know from Personal experience. I was denied the card due to too recent regular cards. and had to wait a few Months to get it .
Bro, im not traveling much these days. Can I get the venture now for the sign up bonus then cancel it down the line and get the venture x and still get the sign up bonus?
For the BILT card, would I be able to use it for school instead of rent, or is it designated for rent only because I have a monthly payment of $4,000 for school? I was planning to get Chase Freedom Unlimited for the benefits. Any suggestions or opinions?
i got a targeted offer for 150k points on amex. I was going to hold off on cards cause i have 6/24 and i want to get back into the chase eco system for the business cards at some point. Should i take this offer or wait?
Hello, I am an international student without a Social Security Number (SSN) and I need assistance in selecting the most suitable credit card for my needs. Could you please provide guidance on the available options and the application process? Thank you for your attention to this matter.
hi John! I recently applied for the Chase Freedom unlimited and got rejected. I called the reconsideration line and can't get a human on the phone. Is there a way I can do this?
John! So I jumped on the chase freedom card when they had the double unlimited cash back offer at the end of the year intro offer And it placed me on my 4th card in two years Does the Amazon card count as a fifth credit card due to the 5/24 rule and knock me out of getting a chase reserve?
Same, I don’t pay rent but just the HOA monthly fee, I wonder if I can use bilt to pay HOA and get rewards? Currently I am Paying HOA using a bank account cause don’t let me with a credit card
Ok. Love the clickbait. We started w 6 and ended up with 13 cards. Great up sales 😅 A little bit more plastic is needed to get the full benefit spectrum!
@@elitepctech so you say. John never or rarely claims first class which implies he's not looking and/or can't afford. If it was the same in his examples, say first class. Leaves no ambiguity.
@john liang . I've just signed up for the Amazon prime store card but got 10$ amz gift card instead of 100$ as you mentioned in the video. What went wrong on my side?
Used to think Credit cards and credit scores aren’t a big deal until I watched one of your videos.. Now, I binge watched almost all of it and am planning to pay off my credit card and apply for a BILT mastercard… thanks for everything John!!
1 month Update:
I paid all of my debt by paying it off aggressively. Started using my credit card for everything and paid it off before my statement date. My credit score went up 40points from the last time I commented here.
Finally applied for the BILT card using John’s link and GOT APPROVED!!
Do not churn credit cards if you tend to get into credit card debt...
@@He787878787787 you're right. However, I'm actually trying to pay off my mom's debt that she accumulated using my credit card. Now I changed my card so she doesn't have access to it, allowing me to pay it off and get my score up.
Happy to help!! And best of luck on your journey, it’s going to be a fun one!!
John
It's funny..I have every one of these card u mention...n I 100% agree that the Bilt is my favorite. You are my favorite..I did apply 1 card thru your link..appreciated what u do brother..good luck
@@johnsfinancetips I’d like to call and talk to you. If you cost for time we can discuss price. However I need some advice asap on credit card issues with my business! My business spending blows past the best credit cards criteria for bonuses and spending by a landslide, but it also has zero credit history. (Hence-got denied on our very first application). I’d like to talk about what to do in order to get the cards I need asap. Lots of money missed per month by not pulling the trigger and it’s driving me nuts. I need advice I can trust and you Sr. Are the guy. I look forward to hearing from you.
can confirm, I just got my BILT two weeks ago and had 5X on all purchases for the first 5 days after receiving the physical card!!!!
Let's go!!!! Amazing and congrats aon the card
I found your page right after I had paid off all my credit cards. after binge watching you for hours I learned that I had missed so many opportunities over the length of time I've been using cards. I waited for my credit to go up a bit, then started using all of the tricks you've shared and I saw a 25 point boost in a month. I have better credit than I have ever had. Thank you for the amazing content, that teaches people like myself how to get better financial health.
I'm so happy for you!! Honestly this is way more a testament to your dedication to learn and put everything into practice!! Congrats!!
Congrats on getting engaged John! I'm popping the question later this year in Japan. Paid for by chase points 😁
The Amazon prime card being metal is cool, but I have it in a drawer because I buy Amazon products from my phone so it doesn't matter that much to me lol
Same 😆
hahah the BEST sock drawer card
That's a good point.
To support John's point about business cards...Here's how easy it can be to get a business card - I literally listed 0 years in business and $0 business income for the previous year and was approved for the Wyndham Rewards Earner card.
hahaha I might have to clip this the next time I talk about business cards
@@johnsfinancetips Initially I was kind of concerned about my odds of approval because I was expecting to be asked for anticipated income, allowing for some "optimism". If you're covering a specific card, it would be great if you can include if the application is forward or backward looking.
BofA user here, where could I get a decent loan
Just picked up the BILT Mastercard the night before last night, pretty stoked!
Congrats and enjoy the card!!
@@johnsfinancetips Thank you!
How many of these cards do you have or want to have?
I just got approved of the Amazon one! I can’t believe I always ignored their popup message telling me to apply(I buy from Amazon probably every week lol).
Ideally I would like to have all of those cards!
I really want the Venture X but after getting the Amazon card my credit score went from 733 -> 700 Transunion and Equifax is at 737. And because of loans and student loans I see it very difficult to get the Venture X(I have had the QuickSilver for close to 2 years now) and I have had credit for 3 years and 2 months.
I do think that I stand a chance with getting the Venture card(not the X) and was hoping to use it to get some flights for late June but I don’t know if it will be approved or if my credit will go up so that I can apply for it with a better credit and still giving me some weeks in advance to book the flight(I do plan on getting that sign on bonus).
I must say I am grateful for finding your channel a few years ago. I literally had a credit score of close to 600 because I used a credit card to buy something and forgot to pay it and didn’t think credit was a useful thing. Since early 2022 I paid that debt that was sent to collection, and my credit went up by a lot(had it at 738 Transunion a few months ago). Crazy to think it used to be a low 600 a few years ago and how long it took for it to go up!
Thanks for all your content, John!
Could you do a video on canceling a credit card? Say I wanted to take advantage of all these amazing options, but I've been using one card for a long time that isn't really benefitting me. Would you ever recommend closing a line of credit, or would you just leave it open?
Leave it open and leave it dormant until they close it. That way you keep credit history up and grab the cards you want. You could also product change.
Personally most "new" cards I cancel after 12 months if all I'm after is the sign up bonus. I've opened well over 60+ cards and currently just keep 8 - 10 open
Amex has a debit card which I got only to pay rent, however to get the points you have to physically use the card.
Thank you for everything you do bro 👍🏻
Not at all, thanks for dropping in a comment!
I considered this card last week. Having already started an aggressive Alaska focus, I didn't want to split my banked miles with AA. What a difference 1 week can make, so I am signed up! I've never been in the Chase ecosystem, so the addition of Hyatt is a major plus as well.
You really have to watch that amazon prime card though the terms are a bit insidious if you arent watching in the terms if you dont pay it off completely like you should you will be charged interest on the entirety of the spend for that billing cycle not just the amount remaining not a problem for me but something to be aware of
Hey i remember when this video released like 3 days ago. Guess we got it early 😆
Right? Did he re upload it for some reason? Or the matrix glitching again?
@MultiJuan120 my guess? He didnt mean to upload it until now. Which is annoying because it uploaded RIGHT when I needed it and then i closed the app and it was gone 🤣
The audio was all messed up and the numbers for the cards were off so he probably fixed it and re uploaded it
haha wow you guys are eagle eyed, and yup there was some major issue with the original when it rendered in 4k so we had to fix and put it back up
Freedom Flex is underrated, i think it at least deservers an honorable mention.
Agreed as honorable mention, my only thinking was the 5x rotating could be a lot for some to remember. But it's a great card!
11:30 Global entry is effectively $20/year
That makes the Venture $75/year and the Venture X -$25/year
Great video! Always straight to the point and well explained for beginners to understand! Hoping to add the CSP, Venture X, and Ink Business to my collection this year, started off with the Ink Unlimited (90k offer) in January
That's a solid list of cards, hopfully the elevated Ink offers return soon!!
Great video/list and I have all of them with the exception of the Bilt MC but it’s on my list to scoop it up later this year after I complete my Capital One duo by adding the Savor One card.
Huge fan of the Savor One too, best of luck with both cards!
It's super interesting that all these credit card guys are always talking about how easy it is to obtain a business card for people who don't strictly have businesses, but then they are super vague or don't say anything at all about actually using those cards for purchases. Are you telling me these same people who only report a $3,000-5,000 income for their "business", are then going to spend twice that on a business card with "business" purchases? Or are all the card guys silently encouraging people to make personal purchases on business cards? Which, by the way, I was told over and over by my CPA that if I get caught doing that, I could lose ALL my credit cards with that company. I just don't get it. No one is talking about this.
Even if you did lose your cards….who cares we don’t owe these banks any loyalty. On to the next card!
Hey can you make a video about what you think of credit unions ?
it's on the docket!
Heads up, Bilt does not offer 2x on rents on Rent day but yes on the other categories!
The $100/year on the Venture X out of $400 can be rolled over to later years with no end in sight.
100%
I appreciate you sharing your thoughts 💪🫡🔥💯
Thank you for commenting!
Hey John, good to see you again. Would like to know how the AMEX Platinum is really stacking up these days.
I just took my family to Orlando and spent a whole bunch as we were away for 2 weeks and i had to book 2 rooms every where we went.
I racked up 60000 ultimate rewards points, why is this only work $500 if i were to use pay myself back but it is worth a business class ticket if i were to purchase a flight?
Congrats on getting engaged! Can I ask why the Altitude Reserve wouldn’t get mentioned in a top 5? If you travel once a year like the venture x it’s even better l.
Too hard to get? No referral link so we ignore it?
Excellent videos, question is it better to closed or keep unused credit cards?
If it is not your initial card it should be fine because; if it were it will default your C.S. to your then oldest which would potentially damage the C.S. So it would void the oldest card on history category. other than that intermediate cards that my have annual fee would be potentially beneficial if you didnt optimize or spend enough to make it worth it.
I just got my BILT card and got the 5X on purchases for 5 days. I am so excited to start using this card to pay for rent and earn value for it. Plus, to meet the 5 uses per billing cycle to earn points, I'll be able to pay for 4 of my other necessity monthly spends to make sure I use it enough times. Do you have a video actually showing how to transfer points and make sure you're getting the best value for what you choose, like a demo? Thank you so much!!
Love the videos and I may be wrong but Global Entry is $100 but it’s good for 5 years. So yeah you’ll get $5 back the first year of having Venture X but after that it will be at least $95 after using the flying credits.
Full disclosure, I have the card and I love the card thanks to your video 🤝
I am a new immigrant. Will I be able to apply for these? I have good credit in home country, can i use nova credit when I get my ssn?
0:25 congratulations!
Thank you!!
I have 3-6. I also have the AmEx Gold and AmEx Blue Business Plus. I just got the CSP as well.
THAT is a stacked set, love to see it
@@johnsfinancetips I plan to get the Platinum later this year if I can find a 100K+ SUB. Then I will be set for a while.
Im on my first year of credit cards
Opened a chase freedom rise i want to upgrade to unlimited eventually
And a capital one quick silver secured that i can probably up to venture at some point.
Yesterday i got Bilt because, why the hell would i not LMAO
But im deciding between savor one and citi custom for the fourth.
Suggestions?
The chase and capital were 8 months ago btw, its not back to back applications
I would love to hear your thoughts on the Choice CC and hotels in general.
Also Navy Federal Credit Union CC’s, are they worth having?
What do you think of the AAA travel card?
If you have the Chase Sapphire Preferred card and are debating between Chase Sapphire Reserve vs. Capital One Venture X, is it more beneficial to stick with Chase to keep all travel spending under one bank (to maximize points) or is it worth getting the Capital One Venture X instead due to its benefits/lower annual fee?
I have the same question
Wells Fargo issues BILT now, does BILT has a 24 hour / 7 days a week live customer services telephone? OR still limited to emails /chat
Do you have a video on chase cards that we should get in order ? I want to use the cc as a cash back for gas and groceries. But at the same time those points I want to convert them.
Always a helpful watch! How do you get the off the market bonus on the chase freedom card?
You just have to go through any affiliate link. His link wasn't working for me so I found the cards review on Bankrate, then clicked the "Apply here" Link they had and it will take you to the application page that will include the bonus. But obviously if you can get Johns to work I would use his first
Liked and subscribed. Great video, who doesn't love perks?
Hi love your videos, I just wanted to commented on the Chase Ink Card. Even though is a business card ,it still counted under Chase's 5/24. I know from Personal experience. I was denied the card due to too recent regular cards. and had to wait a few Months to get it .
Bro, im not traveling much these days. Can I get the venture now for the sign up bonus then cancel it down the line and get the venture x and still get the sign up bonus?
I just looked at the chase website and they aren’t offering what you say they are offering for the Freedom Unlimited card. Am I missing something?
I think the public offer JUST updated to 200 for 500!
Hi , can apply both cards at the same time I mean personal and business?
For the BILT card, would I be able to use it for school instead of rent, or is it designated for rent only because I have a monthly payment of $4,000 for school? I was planning to get Chase Freedom Unlimited for the benefits. Any suggestions or opinions?
i got a targeted offer for 150k points on amex. I was going to hold off on cards cause i have 6/24 and i want to get back into the chase eco system for the business cards at some point. Should i take this offer or wait?
If I buy lets say 300 dlls everysingle month on amazon. Would it be more beneficial to use the amazon chase card? Or the bilt card?
Since these cards are with different banks, are you able to pool points or how does that work?
Hello,
I am an international student without a Social Security Number (SSN) and I need assistance in selecting the most suitable credit card for my needs. Could you please provide guidance on the available options and the application process?
Thank you for your attention to this matter.
Hoping to get the bilt card later this year.
For the bilt card what would you recommend for credit score?
what's the difference between X and percent?
I recently tried applying for the chase ink unlimited and was denied. I had just filed my business and got my EIN, what do you think caused it?
you are the best!
Is blit still number one with out AA transfer partner?
How quickly does it show up in the airline miles once you initiate the transfer of the miles/points from C1?
On the Bilt card, can I pay to mortgage company by check?
BILT and American Airlines parted ways. No reason to get the card now.
hi John! I recently applied for the Chase Freedom unlimited and got rejected. I called the reconsideration line and can't get a human on the phone. Is there a way I can do this?
What was your credit score?
John!
So I jumped on the chase freedom card when they had the double unlimited cash back offer at the end of the year intro offer
And it placed me on my 4th card in two years
Does the Amazon card count as a fifth credit card due to the 5/24 rule and knock me out of getting a chase reserve?
Yup it would, sadly you woudln't be able to get both the Amazon and Reserve until you drop under 5/24 again :(
Can you use the BILT Credit card to pay mortgage payment?
Not at the moment but still a very good card. I have a link if you'd like to help each other out
not yet unfortunately
Anyone want to talk about how 65000 points is equal to $13k spend in the highest earn category. Way too win on a $4000 flight
Do you recommend getting the bilt card as a second card if you don’t pay rent?
Same, I don’t pay rent but just the HOA monthly fee, I wonder if I can use bilt to pay HOA and get rewards? Currently I am
Paying HOA using a bank account cause don’t let me with a credit card
BILT got rid of Lost Bagage Insurance
Wouldn't you want the Chase Sapphire Preferred to maximize your Freedom Unlimited points?
You gotta come to Newton and get some pizza. 4x points here
Ok. Love the clickbait. We started w 6 and ended up with 13 cards. Great up sales 😅 A little bit more plastic is needed to get the full benefit spectrum!
What’s the equivalent to the citi custom for chase.
There isn't really one. Possibly the Freedom Flex but CC can get 5% back year round on your choosing of category
Forgot the d in cards
Do BILT card apply for bussiness?
you can use it for businesses yes but that also applied to any personal credit card
Can I transfer chase travel points to one of their partners even if I only have the freedom unlimited card?
Nope, you need Safire preferred or reserved
@@wueevee3249 thank you
unforunately no :(
！！！！i am very suprised the wyndham cards didnt make your list !!!
to be honest, I haven't looked at Wyndham much outside of the Caesars diamond matchs
WOOOOOOOO I got it under a minute
Way to be!
we can book a flight for anyone thru chase travel or just for card owner?
Do these cards have pre approval.
Are you Filipino?
Nope, but I love traveling to the Philippines haha this will be my 4th time
if you have 6 credit cards you have a problem
Second
That you are!!
First
Let's go!
This dude is telling folks to scam
Scam how?
who calls themselves credit card enthusiast lol wtf
me
Why donyou keep pumping up business class. First class is better. Can you not afford better or just something less than great.
Many airlines don't have first class anymore or their first class / business class is the same.
@@elitepctech so you say. John never or rarely claims first class which implies he's not looking and/or can't afford.
If it was the same in his examples, say first class. Leaves no ambiguity.
喜欢你的视频。请说得慢一点。谢谢
@john liang . I've just signed up for the Amazon prime store card but got 10$ amz gift card instead of 100$ as you mentioned in the video. What went wrong on my side?