https://markreese.videonest.co/videos/341922/watch-me-apply-hilton-honors-surpass-card-i-didnt-expect-this https://gamma.videonest.org/kPzzWvWm6jk_thumbnail_resized_v2.webp https://gamma.videonest.org/kPzzWvWm6jk_video_v3.mp4 WATCH ME APPLY: Hilton Honors Surpass Card (I didn’t expect this…) Stop leaving yourself vulnerable to data breaches. Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if any of your data has been exposed. Then watch me apply for the Hilton Honors Surpass card from American Express! Click “Show More” to see Ad Disclosure. 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 📲 MAXREWARDS - Manage your cards! Promo Code = markr https://markscreditcards.com/maxrewards 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura Well, I’m going for it! I’m applying for the Hilton Honors Surpass Card…AGAIN! I had the card 5+ years ago and I’m curious if I can get approved a second time while also receiving the signup bonus (165,000 Hilton Honors points after spending $3,000 in the first 6 months as of the time of recording). The Hilton Honors Surpass Card is one of the best hotel credit cards right now. Although it has a $150 annual fee, it has some excellent reward multipliers (12 Hilton, 6X Dining, 6X Groceries at U.S. Supermarkets, 6X Gas at U.S. Gas Stations, 4X U.S. Online Retail, 3X Other Purchases), and a few benefits that help offset the annual fee (like a $200 Hilton Credit and annual Free Night Award after spending $15,000 in a calendar year). The interesting part of this credit card application is that it DOES have Amex Lifetime Language, meaning I ‘may’ not be eligible if I have or have had the card before. But, with over 5 years having passed since having the card, I’m determined to try my luck and see what happens! Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amex #creditcard #creditcards 2025-01-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341923/citi-aadvantage-executive-world-elite-mastercard-full-review-2022 https://gamma.videonest.org/Lzc4gq8D39w_thumbnail_resized_v2.webp https://gamma.videonest.org/Lzc4gq8D39w_video_v3.mp4 Citi AAdvantage Executive World Elite Mastercard (Full Review 2022) The Citi AAdvantage Executive Card is the TOP TIER American Airline credit card with VIP benefits and an Admirals Club membership. Is it for you? Watch this review to find out! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO: Are Airline Credit Cards Worth it? https://youtu.be/WhOdp8Qfyus WELCOME OFFER (Aug. 2022) Earn 50,000 miles after spending $5K on purchases in the first 3 months. Average value = $700 towards AA flights. ANNUAL FEE = $450 EARN AMERICAN AIRLINES MILES - 2X American Airlines - 1X Other Purchases REDEEM AMERICAN AIRLINES MILES - Flights: 1.4¢ per mile (average) BENEFITS 1. American Airlines Admirals Club Membership This is included with the credit card. Admirals Club memberships normally cost $650 in Year 1 and $600 every renewal year (or lower if you have American Airlines elite status). To get in, provide the following at the front desk: - Citi AA Executive card - Your ID - Same-day boarding pass on an eligible flight (discussed in the video) Admirals Club Guest Policy via AA Executive Credit Card – you may bring either: - Immediate family members, incl. children under 18, or… - Up to 2 guests traveling with Primary Cardholder or Authorized User Authorized Users - Receive their own Admirals Club access - Have the same Guesting Privileges - No additional annual fee for up to 10 Authorized Users 2. Free Checked Bag - Valid on domestic itineraries - Includes you + up to 8 companions on the same reservation 3. VIP Enhanced Airport Experience (‘Priority Lanes’) The following benefits are given to the Primary Cardholder + up to 8 companions on the same reservation: - Priority Check-In (i.e. expedited airport check-in lines) - Priority Airport Screening (i.e. expedited security lines) - Priority Boarding (currently Group 4) - NOTE: Authorized Users do not get these benefits on their own 4. 25% Off Inflight Purchases, valid on food & beverage purchases 5. Up to $100 TSA PreCheck / Global Entry Credit every 5 years 6. Earn American Airlines Loyalty Points - Earn 1 Loyalty Points per $1 spent 7. American Airlines Loyalty Points Bonus (10,000) - Earn 10,000 bonus Loyalty Points after spending $40K during a Qualifying Year - Starting in 2023, a Qualifying Year = March 01 – February 28 8. Concierge: Get help from experts to plan travel or get help with shopping, dining reservations, tickets to shows, and more 9. No Foreign Transaction Fees INSURANCE & PROTECTIONS - N/A SHOULD YOU GET THIS CREDIT CARD? YES if you… - Fly American Airlines moderately to frequently, want elite-like benefits, but don’t fly enough to earn AAdvantage elite status - Want an Admirals Club Membership - Value the convenience of priority security, check-in, and boarding (Group 4) - Can spend $40K for the 10K Loyalty Points bonus NO if you… - Fly American Airlines infrequently (or not at all) - Would not use the Admirals Club enough to justify a full membership - Don’t need / want priority access - If the benefits from other AA cards w/ lower annual fees are sufficient for you, including: free checked bags, Group 5 boarding, 25% inflight discount, and earning 1 Loyalty Point / $1 spent) - Prefer more flexible / transferrable rewards 🎬 MORE CREDIT CARD VIDEOS 🔹 Are Airline Credit Cards Worth it: https://youtu.be/WhOdp8Qfyus 🔹Delta SkyMiles Platinum Amex Review: https://youtu.be/3h5Py9kiB2A 🔹Delta SkyMiles Gold Card Review: https://youtu.be/LT751vs8bbQ 🔹Amex Platinum $200 Airline Credit (Step by Step Tutorial): https://youtu.be/xIXYO7T27MQ 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022?! (Amex Gold Card Review): https://youtu.be/iF07TX7MH8Y Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanairlines #airlinecreditcards #travelcreditcards 2022-08-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341924/watch-me-apply-bank-of-america-business-credit-card-application-business-advantage-cash-rewards https://gamma.videonest.org/jfi3OZEeuns_thumbnail_resized_v2.webp https://gamma.videonest.org/jfi3OZEeuns_video_v3.mp4 *WATCH ME APPLY* Bank of America Business Credit Card Application (Business Advantage Cash Rewards) Watch me apply for the Bank of America Business Advantage Cash Rewards credit card (PLUS learn why I FROZE my Experian credit report before applying). Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull MY CREDIT REPORT BEFORE APPLYING SCORES - Experian: 785 - TransUnion: 810 - Equifax: 822 INQUIRIES Experian: 15 - TransUnion: 4 - Equifax: 1 NEW ACCOUNTS - In the past 12 months: 2 - In the past 24 months: 7 AVERAGE AGE OF ACCOUNTS / AVERAGE LENGTH OF CREDIT HISTORY - 3 years, 5 months BANKING RELATIONSHIP - Personal Checking Account: ($3,806.43) - Personal Savings Account: ($500.00) MY CREDIT REPORT AFTER APPLYING - TransUnion credit report dropped by 4 points, from 810 to 806. - TransUnion inquiry count increase by 1, from 4 to 5. WHY I DID AN EXPERIAN SECURITY FREEZE 1. To HIDE my 15 inquiries on Experian: Bank of America pulls Experian where I live, which is the report with my greatest # of inquiries (15). Too many inquiries can be reason for a denial. 2. To SHOW my 4 inquiries on TransUnion: Bank of America could only see my 4 inquiries on TransUnion, which would likely not raise any red flags. 3. To PREVENT a new inquiry on Experian: Most banks pull Experian where I live. To keep future approval odds higher, I want to clean up my Experian report by avoiding new inquiries & letting old inquiries fall off. (NOTE: Inquiries remain on your credit report for 2 years.) WHY I APPLIED FOR THIS BUSINESS CREDIT CARD 1. Welcome Bonus: $750 for spending $5K in 3 months = 15% return! 2. Choice Rewards Category: 3% cash back on categories I can choose each month 3. Doesn’t Affect Chase 5/24 Rule: Bank of America business credit cards do not show up on your personal credit report, so adding this card will not increase my 5/24 count. A LITTLE BIT ABOUT THE CARD… (Bank of America Business Advantage Cash Rewards credit card mini review) Welcome Bonus Earn a $750 statement credit when you make at least $5,000 in net purchases within 90 days of account opening. Annual Fee = $0 Earning Cash Back - 3% in the category of your choice: Gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services - 2% dining -1% all other purchases NOTE: You will earn 3% Choice and 2% Dining for the first $50K of combined spend in those categories, then 1% afterwards until it refreshed the following year. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #businesscreditcard #creditcards #bankofamerica 2021-03-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341925/marriott-free-night-award-top-off-with-points-full-tutorial https://gamma.videonest.org/vHrZi5zakgY_thumbnail_resized_v2.webp https://gamma.videonest.org/vHrZi5zakgY_video_v3.mp4 Marriott Free Night Award TOP OFF With Points! (Full Tutorial) Learn how to TOP OFF your Marriott Bonvoy Free Night Award certificate with up to 15,000 points! I’ll take you step by step through the redemption process with an on-screen demo! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull BACKGROUND In the past, Marriott Bonvoy Free Night Award certificates could not be combined with points, so their equivalent point value represented the maximum number of Marriott Bonvoy points you could redeem them for. Example: A Marriott 50K Free Night could be used towards 1 night at a property that had a point redemption value of 50,000 points or less, and any unused portion would not roll over or be saved in any way. That has now changed! You can combine a Marriott Free Night certificate with up to 15,000 points during the regular award night booking process! HOW TO REDEEM MARRIOTT FREE NIGHT CERTIFICATE + TOP OFF (Up to 15K Points) // HOW DO I USE MY MARRIOTT FREE NIGHT CERTIFICATE? 1. Log into your Marriott Bonvoy account 2. Search for a location by date and select the “Use Points/Certificates” option 3. Find a Marriott hotel you want to book and select “View Rates” 4. Choose an eligible room and click on the “Select” button 5. You’ll then be shown something like “You have 1 Free Night Award(s) eligible for this stay” (or however many eligible certificates you have) 6. If the hotel has a point redemption value costing more than the value of the certificate, you’ll see an option to select “Redeem these awards and 5,000 points” (or whatever the required point value is beyond the certificate value). 7. Click on “Book Now” and go through the regular booking process MARRIOTT CREDIT CARDS WITH FREE NIGHT AWARDS - Marriott Bonvoy Boundless credit card (35K) - Marriott Bonvoy Business Card (35K) - Marriott Bonvoy Brilliant American Express Card (50K) - Marriott Bonvoy American Express Card (not available to new applicants | downgrade only | 35K) - Marriott Bonvoy Premier credit card (not available to new applicants | 25K) - Marriott Bonvoy Premier Plus Business credit card (not available to new applicants | 35K) - Ritz Carlton Credit Card (not available to new applicants | downgrade only | 50K) GOOD TO KNOW (1) All Marriott Free Night Award certificates can be topped off with up to 15,000 Marriott Bonvoy points, regardless of their starting value. (2) Eligible Marriott Free Night Award certificates currently include: - Marriott 35K certificate - Marriott 40K certificate* - Marriott 50K certificate - Marriott 85K certificates** * Marriott 40K certificates currently available via Marriott Annual Choice Benefit upon reaching Marriott Titanium Elite Status. ** Marriott 85K certificates may be available via welcome offer on the Marriott Bonvoy Brilliant Card on a limited-time basis. (3) Marriott Bonvoy Free Night certificates expire 1 year after they’re received. (4) You can redeem multiple Marriott Free Night awards in a single booking (5) The Marriott Free Night Top Off feature is not currently available via mobile app, though that'll likely launch at a later date. You CAN redeem certificates on their own via the Marriott app. 🎬 MORE CREDIT CARD VIDEOS 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #marriottbonvoy #marriottcreditcards #marriottfreenightcertificate 2022-05-04T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341926/the-chase-524-rule-is-pssing-me-off https://gamma.videonest.org/GfQnX_673BU_thumbnail_resized_v2.webp https://gamma.videonest.org/GfQnX_673BU_video_v3.mp4 The Chase 5/24 Rule is P*SSING ME OFF! The Chase 5/24 Rule is driving me CRAZY! I’ll explain why in 5-6 reasons. Hopefully it’ll help you with your own credit card strategy, both with Chase credit cards and with other card issuers. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull THE CHASE 5/24 RULE: DEFINED Chase will automatically deny a credit card application if you’ve opened 5 or more credit cards with any bank in the last 24 months that appear on your credit report. 🎬 VIDEO - Chase 5/24 Rule Explained (Full Details) https://youtu.be/muJEN8C86JY WHY THE CHASE 5/24 RULE IS DRIVING ME CRAZY!! REASON #1: I missed out on so many great Chase offers. - Chase Sapphire Reserve: 100,000 Ultimate Rewards points - Chase Sapphire Preferred: 80,000 – 100,000 Ultimate Rewards points - Chase Freedom Unlimited: $200 cash back + 5% groceries for 1 year - Southwest Rapid Rewards Premier: 100,000 Rapid Rewards points - IHG Rewards Club Premier: 150,000 IHG points, $50 Statement Credit, Annual Fee waived in Year 1 REASON #2: I missed out on so many great offers from other banks while waiting to get below 5/24 again. - Citi Premier Credit Card: 80,000 Citi ThankYou points - Citi Custom Cash Card: $300 cash back - Delta SkyMiles Platinum: 90,000 Delta SkyMiles - Capital One Savor: $500 cash back - Capital One Venture: 100,000 Venture Miles REASON #3: I’m 100% blocked from all personal credit cards from all banks, no matter how much I want them. - Chase Sapphire Preferred (waiting for an 80K+ welcome offer) - IHG Rewards Premier (new version coming soon, plus an IHG Business card) - Frontier Airlines World Mastercard (helpful to maintain elite status) - Capital One SavorOne (awesome for dining & entertainment purchases) - SoFi Credit Card (excellent 2% cash back credit card) - Sonesta World Mastercard (great hotel credit card) REASON #4: When below 5/24, Chase business cards ought to be prioritized (if eligible) before personal ones. This is because in order to get a Chase business credit card, you must be below 5/24 to apply and get approved, but if approved, it will not count against the 5/24 Rule. - Example: You’re at 4/24, apply & get approved for a Chase Ink business card, and you’re still at 4/24 after. REASON #5: A Chase business card I want isn’t available. I’m considering the Chase Ink Business Premier card, which was supposed to launch in late February 2022. The landing page showed a countdown timer, and when it expired, the landing page was changed to say, “Coming Soon.” It’s now been 3+ weeks with no news. REASON #6: I’m a (reasonably) good customer, but that doesn’t matter. I currently have 5 Chase credit cards on the personal side ranging from 3+ years to 7+ years of account history, 3 Chase business cards, a checking account & a savings account (both personal). Despite a strong overall banking and card relationship, none of it helps you get around the Chase 5/24 Rule. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chase524rule #chasesapphire #chasecreditcards 2022-03-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341927/amex-offers-how-to-save-money-with-amex-credit-cards https://gamma.videonest.org/jDtkOFlb0d8_thumbnail_resized_v2.webp https://gamma.videonest.org/jDtkOFlb0d8_video_v3.mp4 *AMEX OFFERS!* How To Save Money With Amex Credit Cards American Express offers a really cool way to save money with their credit cards and charge cards. Click "Show More" to see Ad Disclosure. So if you’ve been wondering… - How to save money on food - How to save money on Amazon - How to save money on gas - How to save money on travel - And a whole lot more… …then AMEX OFFERS could be your answer to a lot of these questions (and more) :D 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WHICH AMERICAN EXPRESS CREDIT CARDS ARE ELIGIBLE? All personal Amex credit cards and business Amex credit cards are eligible for these offers. On the personal side, this includes the AMEX CHARGE CARDS (like the Amex Platinum Card) and AMEX CREDIT CARDS (like the Amex Blue Cash Preferred card). And on the business side, this include the business versions of the Amex Charge Cards, plus the Amex Plum Card. And it also includes Amex business credit cards (like the Amex Blue Business Plus card). TO FIND AMEX OFFERS - Log into your Amex.com account - Scroll down to the section called “Amex Offers & Benefits” - Expand the list - Click the Add To Card button on the ones you like - They’ll be redeemed automatically when you use that specific card to check out at the designated merchant. Easy! GOOD TO KNOW Amex Offers are… - Available on ALL Amex personal & business cards - This includes airline & hotel co-branded cards - Available on authorized user accounts - Earn additional points or statement credits, for example: - Spend $X, get Y number of bonus points (in addition to the points the card normally earns) - Spend $X, get $Y back (as a statement credit) - Earn additional points for each dollar spent at select merchants (e.g. Get +3 bonus points, Up to XXXX total points) (By the way, if your Amex credit cards earns Membership Rewards points, then you’ll earn Membership Rewards points for Amex Offers that award points. If you have a hotel credit card or an airline credit card, then you’ll earn hotel points or airline miles, respectively). - Add with 1 click to a specific card - Use same card for purchase to redeem - Targeted to individual cardholders and to specific cards - You may not receive every offer - You might see an offer on Card A, but not on Card B - For IDENTICAL OFFERS across MULTIPLE CARDS - Can only add offer to 1 card (the other duplicates will disappear) - For SIMILAR OFFERS on the SAME CARD or across MULTIPLE CARDS - Can add them ALL, one time each (i.e. exact duplicates will disappear) - Example: All 3 of these are different, so you can use each one - Spend $100 at Marriott, Get $20 Back - Spend $100 at Marriott, Get 3,000 Points - Earn +3 points per dollar spent at Marriott, Up to 3,000 points - Enrollment is limited - Amex removes offers after maximum enrollment is reached - See one you like? Add it to your card right away! - Offers can be stackable (see video example where I used both the Apple Pay offer and Grubhub offer together) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2020-11-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341928/the-ultimate-credit-card-strategy-2024-start-here-or-beginners-guide https://gamma.videonest.org/ocvo_lVUOlU_thumbnail_resized_v2.webp https://gamma.videonest.org/ocvo_lVUOlU_video_v3.mp4 The ULTIMATE Credit Card Strategy 2024 (Start Here | Beginner's Guide) Here’s the step-by-step blueprint to create the ULTIMATE credit card strategy for 2024! Get the best credit cards you can to SAVE BIG on your next vacation! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers Ⓜ️ CardMatch - Check for BIG Offers! https://markscreditcards.com/cardmatch 🏙️ BILT MASTERCARD - Earn Points on Rent! https://markscreditcards.com/bilt 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 👨‍💻 KUDOS – Earn Extra Cash Back! https://joinkudos.com/mark 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🎬 Beginner’s Guide to Transfer Partners https://youtu.be/ae1WayyrwnE?si=iZiuFINzeed-FZly 🎬 Amex Platinum 150K Offer https://youtu.be/0B1VkNKtEVM?si=0F9vxPgghJ-i9OZC 🎬 Amex Gold 90K Offer https://youtu.be/pW6nLiXPXR0?si=UXmcwUeKD7j4pVUS 🎬 How to Get Approved for Capital One Credit Cards (Capital One Application Rules) https://youtu.be/EMIO5BWta_I?si=xYNYfsHRFy6d4VWU 🎬 How to Get Approved for Amex Credit Cards (Amex Credit Card Application Rules) https://youtu.be/G3ksdsf3PN0?si=F6mIpzBPIUGeVehr 🎬 How to Get Approved for Chase Credit Cards (Chase Credit Card Application Rules) https://youtu.be/mlGWG5btFmc?si=7Izdxjlm0B2QsrEJ Listen up! I'm going to share with you the ultimate credit card strategy for 2024 and how to customize it to your goals. By following this 5-Step Strategy, you'll be able to build a portfolio of credit cards that will help you make that dream vacation a reality. 00:00 - Intro 00:29 - Step #1 1:51 - Step #2 3:09 - Step #3 4:00 - Flight Example with Transfer Partners 12:30 - Step #4 15:35 - Step #5 STEP 1: Take Inventory of What You Have Go over all of the credit cards you have. Add up the annual fees, examine the rewards structures, and think about all the benefits. Do the overall benefit packages make sense for you for another year? If not, it’s time to make some changes (e.g. cancel a credit card, downgrade / product change to a different credit card, or apply for a new credit card). STEP 2: Identify What You’re Lacking Identify any rewards categories that you don’t have covered with your existing credit cards. Do the same for any benefits you wish you had but don’t currently. STEP 3: Identify Your Goal(s) Do you want to earn cash back or travel rewards? If travel, then where do you want to go? How do you want to get there? When do you want to take the trip? Once you’ve figured out the details, it’s time to start earning points and miles with the right credit cards you need to make the trip happen. Some of the best rewards currencies are: - Chase Ultimate Rewards points - Amex Membership Rewards points - Citi ThankYou points - Capital One Venture miles - Bilt Rewards points - Wells Fargo points (if they launch a transferrable point program in 2024) Some of the best travel credit cards that earn transferrable and flexible rewards points include: - Chase Sapphire Reserve - Chase Sapphire Preferred - Chase Freedom Unlimited* - Chase Freedom Flex* - Amex Platinum Card - Amex Gold Card - Citi Premier Card - Citi Custom Cash Card* - Citi Double Cash Card* - Capital One Venture X - Capital One Venture Rewards - Capital One VentureOne - Capital One SavorOne* - Bilt Mastercard *Note: For all of the credit cards with an asterisk (*) above, you’ll need to combine them with select premium credit cards (i.e. ones with an annual fee earning the same type of rewards) in order to use all the transfer partners. For the Capital One SavorOne, although it earns cash back, you can convert that cash back into Venture miles if you also have a Venture-branded credit card. STEP 4: Find the Biggest Value Opportunities Right Now Find the credit cards with the biggest sign-up bonuses available at the moment. This is typically the best way to earn points and miles FAST for that future trip. STEP 5: Learn the Bank Application Rules and Apply! - See links above Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2023-12-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341929/are-airline-credit-cards-worth-it https://gamma.videonest.org/WhOdp8Qfyus_thumbnail_resized_v2.webp https://gamma.videonest.org/WhOdp8Qfyus_video_v3.mp4 Are AIRLINE CREDIT CARDS Worth It? Are airline credit cards worth getting? If you’re looking for a good travel credit card to earn points and miles for a future trip, the answer may seriously surprise you! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull QUESTION: Are airline credit cards worth it? ANSWER: YES! But only for specific situations. TOPIC #1: AIRLINE CREDIT CARDS ARE GENERALLY BAD FOR EARNING TRAVEL REWARDS ON EVERYDAY SPEND Examples… Citi AAdvantage Platinum Select World Elite Mastercard (Avg. value of 1 mile = 1.4¢) 2X American Airlines = 2.8% return 2X Restaurants = 2.8% return 2X Gas Stations = 2.8% return 1X Other Purchases = 1.4% return Delta SkyMiles Gold American Express Card (Avg. value of 1 mile = 1.1¢) 2X Delta Air Lines = 2.2% return 2X Dining = 2.2% return 2X Groceries = 2.2% return 1X Other Purchases = 1.1% return United Explorer Card (Avg. value of 1 mile = 1.4¢) 2X United Airlines = 2.8% return 2X Dining = 2.8% return 2X Hotels = 2.8% return 1X Other Purchases = 1.4% return Southwest Rapid Rewards Premier Credit Card (Avg. value of 1 point = 1.3¢) 3X Southwest Airlines = 3.9% return 2X Rapid Rewards Hotel & Car Rental Partners = 2.6% return 2X Transit & Commuting = 2.6% return 2X Internet, Cable, Phone, Select Streaming = 2.6% return 1X Other Purchases = 1.3% return COMPARISON TO GENERAL TRAVEL CREDIT CARDS Citi Premier Card (Avg. value of 1 point = 1.7¢) 3X Restaurants = 5.1% return 3X Supermarkets = 5.1% return 3X Gas Stations = 5.1% return 3X Air Travel & Hotels = 5.1% return 1X Other Purchases = 1.7% return American Express Gold Card (Avg. value of 1 point = 1.8¢) 4X Dining = 7.2% return 4X U.S. Supermarkets (up to $25K spent) = 7.2% return 3X Flights = 5.4% return 1X Other Purchases = 1.8% return Chase Sapphire Preferred credit card (Avg. value of 1 point = 1.8¢) 5X Travel (portal) = 9.0% return 3X Dining = 5.4% return 3X Online Grocery = 5.4% return 3X Select Streaming = 5.4% return 2X Other Travel = 3.6% return 1X Other Purchases = 1.8% return TOPIC #2: AIRLINE CREDIT CARDS ARE GENERALLY BAD FOR EARNING MILES ON YOUR PREFERRED AIRLINE 1. If you have a credit card that earns… - Amex Membership Rewards points - Chase Ultimate Rewards points - Citi ThankYou points (currently only Citi Premier Card) - Capital One Venture / Spark miles …then you can transfer points to other airline programs, including Delta SkyMiles, United MileagePlus, Southwest RapidRewards, and others, many at a 1:1 ratio (e.g. 10,000 points = 10,000 miles) 2. Cards like the Amex Gold Card, Chase Sapphire Preferred, and Citi Premier can transfer points into other airline programs, so using these general travel cards can often earn more miles, faster than airline credit cards. TOPIC #3: AIRLINE CREDIT CARDS ARE GENERALLY BAD FOR FLEXIBILITY - The miles you earn are only valuable for FLIGHTS on ONE primary airline and its partners. - Contrast that with general travel credit cards, which earn points that can be used on virtually any airline, hotel, car rental, cruise, etc. TOPICS 4, 5, & 6: AIRLINE CREDIT CARDS ARE GENERALLY GREAT FOR: 1. Earning miles quickly via welcome offers (e.g. big signup bonuses) 2. Earning elite status through spend (i.e. earn status from home while not traveling) 3. Perks & benefits (e.g. priority boarding, free checked bags, inflight discounts, etc.) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #travelcreditcards #airlinecreditcards #bestcreditcards 2022-01-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341930/verizon-credit-card-review-verizon-visa-credit-card https://gamma.videonest.org/raFlb1ul_1Q_thumbnail_resized_v2.webp https://gamma.videonest.org/raFlb1ul_1Q_video_v3.mp4 VERIZON CREDIT CARD REVIEW! (Verizon Visa Credit Card) The all new Verizon Visa Card is a GREAT cash back credit card with no annual fee to have IF you’re a Verizon Wireless Customer (or are considering switching to Verizon). Click "Show More" to see Ad Disclosure. Let’s do a full Verizon Visa Card Review! This will also be a great video on how to save money on your phone bill :-) (Oh and YES, this is a METAL CREDIT CARD with no annual fee, too) :D 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS $100 Credit. Receive this $100 credit spread out over 2 years (i.e. $4.17 off your Verizon Wireless bill for 24 consecutive months). You must pay your Verizon Wireless or Verizon Fios bill with either a Verizon Visa Card or by redeeming Verizon Dollars to pay the total bill amount for the first 24 months in order to receive the monthly discount. EARNING CASH BACK REWARDS (VERIZON DOLLARS) - 4% cash back on Groceries - 4% cash back at Gas Stations - 3% cash back on Dining - 2% cash back at Verizon - 1% cash back on Everything Else There are no limits on how much cash back you can earn. These rewards categories make this cards on of the… - Best credit cards for gas - Best credit cards for groceries - Best credit cards for dining - Best cash back credit cards for beginners Cash back is issued in the form of Verizon Dollars. 1 Verizon Dollar = $1.00 USD REDEEMING CASH BACK REWARDS (VERIZON DOLLARS) - Pay Verizon Wireless bill - Pay Verizon Fios bill - Purchase devices - Device payments - Purchase accessories VERIZON CARD BENEFITS - Get $10 off your monthly bill when you: enroll in paper-free billing and use the Verizon credit card to pay your bill via Auto Pay. Up to 10 lines may be eligible for this $10/mo. discount. NOTE: You can only earn a max of $10 off per month (i.e. it’s not stackable if you’re already earning this discount by paying via ACH or debit card in combination with paper-free billing and Auto Pay. - Receive 2 free Verizon TravelPass days per calendar year ($20 value) LINK - GUIDE TO BENEFITS: https://www.wellsfargo.com/credit-cards/propel/guide-to-benefits Link to The Verizon Visa Signature Credit Card Guide to Benefits below: https://www.verizon.com/support/visa-benefits-guide-legal MOBILE WALLET The Verizon credit card works with Apple Pay, Google Pay, etc. GOOD TO KNOW / ADDITIONAL INFORMATION - The Verizon Visa Credit Card is issued by Synchrony Bank - Verizon Dollars do not expire - Verizon Dollars CAN be forfeited in the following ways… 1. Inactivity 2. Credit Card Closure: 3. Verizon Wireless Account Cancellation: 4. Verizon Wireless Account Changes (See video for the details behind each one of these) SHOULD YOU GET THE VERIZON CREDIT CARD? YES if you… - Are a Verizon customer - Want to save money on your individual / family Verizon Wireless bill - Spend a lot on gas, grocery & dining NO if you… - Are a customer of AT&T, Sprint, T-Mobile, or other wireless providers - Want a credit card that gives ‘real’ cash back rewards - Want a credit card for travel rewards - Want credit card phone insurance / protection OTHER CREDIT CARDS TO CONSIDER… If you’re looking for the best CASH BACK credit cards with no annual fee (and don’t want the Verizon Visa credit card), consider these: - Wells Fargo Propel American Express Card - Citi Double Cash Card - PayPal credit card (PayPal CashBack Mastercard) - Fidelity credit card (Fidelity Rewards Visa Signature Card) - Discover it Cash Back Credit Card - Chase Freedom Flex card - Chase Freedom Unlimited card - Apple credit card (Apple Card) - Bank of America Cash Rewards Card - US Bank Cash Plus credit card - Amex Blue Cash Everyday Card - Amex Cash Magnet Card If you’re looking for the best TRAVEL credit cards (and don’t want the Verizon Visa credit card), consider these: - Chase Sapphire Preferred card - Chase Sapphire Reserve card - Citi Premier card - Citi Prestige card - US Bank Altitude Reserve card - Capital One Venture card - Amex Platinum Card - Amex Gold Card - Amex Green Card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #verizoncreditcard #verizonvisa 2020-10-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341931/5-reasons-why-you-need-chase-credit-cards https://gamma.videonest.org/StW0TcErRmY_thumbnail_resized_v2.webp https://gamma.videonest.org/StW0TcErRmY_video_v3.mp4 5 Reasons Why You NEED Chase Credit Cards Chase credit cards are among the BEST out there. Learn why you should consider adding one (or more!) to your wallet to help you earn more cash back or travel rewards FAST! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull REASON #1: THERE’S A CARD FOR YOU NO MATTER WHAT YOU’RE INTO Chase has a wide variety of credit cards in the following categories: - Builder Credit Cards (including 1 student credit card) - Cash Back Credit Cards - General Travel Credit Cards (i.e. for all types of travel with any airline, hotel, etc.) - Hotel Credit Cards - Airline Credit Cards - Retail or Store Credit Cards - Business Credit Cards NOTE: Currently, Chase does not offer any secured credit cards for true beginners or those desiring to rebuild credit from low credit scores. If you’re in one of those situations, consider secured credit cards from other issuers. REASON #2: THE CHASE 5/24 RULE CAN GET IN THE WAY LATER What the Rule Says: Chase will automatically deny a credit card application if you’ve opened 5 or more cards with any bank in the last 24 months that appear on your credit report. So…consider getting Chase credit cards earlier in your journey. Although some people may be able to get approved with Chase for their first credit card ever, this isn’t common & likely requires a prior banking relationship to increase the chances of that happening. In general, I suggest having 1+ years of credit history before applying for a Chase card. REASON #3: BUILD STRONG MULTI-CARD SETUPS (e.g. Chase Trifecta) Personal Credit Cards (Example 1 - $95 total annual fees) - Chase Freedom Flex - Chase Freedom Unlimited - Chase Sapphire Preferred Personal Credit Cards (Example 2 - $550 total annual fees) - Chase Freedom Flex - Chase Freedom Unlimited - Chase Sapphire Reserve Business Credit Cards ($95 total annual fees) - Chase Ink Business Cash - Chase Ink Business Unlimited - Chase Ink Business Preferred Mixed Personal & Business Credit Cards ($95 total annual fees) - Chase Freedom Unlimited - Chase Ink Business Cash - Chase Sapphire Preferred REASON #4: COMBINE POINTS TO ACCELERATE YOUR REWARDS You can combine Chase points across all cards (personal & business) into 1 account balance. This is a huge advantage because different cards earn bonus points in different categories. So, by using the right card for the right purchase, you can earn a lot more points from your regular expenses. How To Combine Chase Points 1. Log into your online Chase account & navigate to the rewards section (i.e. Ultimate Rewards portal) 2. From the Main Menu, choose Combine Points 3. Choose the card you want to transfer from and the card you want to transfer to 4. Continue through the prompts to complete the transfer Why This Is A Huge Advantage Chase cards WITHOUT an annual fee (e.g. Chase Freedom cards) allow you to redeem points at 1.0¢ each for nearly everything, including travel. But, Chase cards WITH annual fees (e.g. Chase Sapphire cards) allow you get 25% - 50% more value when redeeming in select categories, including travel, as well as giving you access to transfer partners. REASON #5: CHASE HAS THE BEST OVERALL REWARDS PROGRAM IN THE INDUSTRY! Cash Back (statement credit or deposit to checking / savings account) - 1.0¢ per point across all cards Pay Yourself Back (statement credit in select categories) - 1.10¢ per point: No-fee cards - 1.25¢ per point: $95 fee cards - 1.50¢ per point: $550 fee cards (Chase Sapphire Reserve) Gift Cards (digital & physical) - 1.0¢ per point - 1.10¢ per point when on sale Travel (portal) - 1.10¢ per point: No-fee cards - 1.25¢ per point: $95 fee cards - 1.50¢ per point: $550 fee cards (Chase Sapphire Reserve) Travel (transfer partners) - Varies widely Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasecreditcards #chaseultimaterewards #chasesapphire 2022-01-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341932/dollar500-cash-back-credit-card-if-you-live-in-these-7-states https://gamma.videonest.org/m-jbs_ajzvM_thumbnail_resized_v2.webp https://gamma.videonest.org/m-jbs_ajzvM_video_v3.mp4 $500 CASH BACK Credit Card (If You Live In These 7 States) Want an amazing credit card cash back offer? Click "Show More" to see Ad Disclosure. It likely won't last long, but you can get $500 cash back from ONE credit card signup bonus if you live in any of these 7 states: Alabama, Florida, Texas, Arizona, Colorado, California and New Mexico! Read on to learn how! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull A couple months ago I discovered the BBVA Select Credit Card. It’s currently offering a signup bonus of 50,000 points worth $500 CASH when you spend $4,000 in the first 90 days of opening your account. If your normal spending habits allow you to spend about $1,334 per month, then this is a GREAT card to get while this welcome bonus is available. You can redeem your points at $0.01 each as a statement credit, meaning if your bill one month is $3,000 then you can redeem your 50,000 points against it so you only have to pay $2,500. Nice! Want to get that bonus via check in the mail? Simply pay off your card, redeem your points against a $0 balance, wait for it to post, then call in to have that credit issued to your mailbox :D There is a $99 annual fee that is 100% WAIVED in Year 1, so that $500 bonus is all profit. The application process is still old school. You’ll have to call the number to apply via phone. I opened the card earlier this year and it wasn’t that big of a hassle. Going forward, the card will earn at the following rates: - 4% cash back on entertainment - 3% cash back on dining - 2% cash back on travel - 1% cash back on everything else I should also mention that you ALSO EARN POINTS on all the purchases you make while working toward the $4,000 requirement. So in the end, if you spend exactly $4K, then you’ll end up with an absolute minimum of 54,000 points ($540). No telling how long this bonus will last, so be sure to apply now if you want to get in on it! YOU CAN APPLY HERE: https://www.bbvausa.com/credit-cards/bbva-select.html As a side note…BBVA also updated their mobile app and I’ve gotta say…the experience is A LOT better than it used to be. So far I’m loving my new Select credit card. Will you be next? Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #cashback #cashbackcreditcards 2020-07-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341933/correction-legacy-ihg-credit-card-benefits-ihg-premier-dollar89-or-ihg-select-dollar49 https://gamma.videonest.org/QIEjKEEdkEc_thumbnail_resized_v2.webp https://gamma.videonest.org/QIEjKEEdkEc_video_v3.mp4 *CORRECTION* Legacy IHG Credit Card Benefits (IHG Premier $89 | IHG Select $49) CORRECTION regarding yesterday’s video! If you have the LEGACY IHG Premier card ($89 annual fee), then you WILL be receiving the new rewards & benefits. Watch to learn more! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔗 THE POINTS GUY BLOG POST (IHG’s credit card portfolio gets a major revamp — here are all the changes you need to know): https://thepointsguy.com/news/ihg-credit-card-changes 🎬 PREVIOUS VIDEO (3 New IHG Credit Cards Are Here!): https://youtu.be/tY9nxMQx-8k NOTES: - The updates mentioned in the previous video (link directly above) WILL APPLY to the legacy IHG Rewards Club *Premier* credit card ($89 annual fee). This means you’ll receive the new rewards structure and new benefits, including the ability to top off your Anniversary Free Night award with additional points for higher value. - These card updates WILL NOT APPLY to the legacy IHG Rewards Club *Select* credit card ($49 annual fee). That card will maintain its existing rewards & benefits. That means you will not be able to top off the Anniversary Free Night award with additional points for higher value. IHG REWARDS TRAVELER CREDIT CARD - 5X IHG Hotels - 3X Utilities - 3X Internet, Cable & Phone - 3X Select Streaming Services - 3X Restaurants - 3X Gas Stations - 2X Other Purchases - Automatic IHG Silver Elite Status - Earn IHG Gold Elite Status after spending $20K, plus 1 additional purchase - Earn 10,000 bonus points after spending $10K, plus 1 additional purchase - IHG 4th Night Free On Award Stays - Annual Fee = $0 IHG REWARDS PREMIER CREDIT CARD - 10X IHG Hotels - 5X Gas Stations - 5X Travel - 5X Restaurants / Dining - 3X Other Purchases - IHG Annual Free Night Certificate, value up to 40K points - Top Off Free Night Certificate (i.e. combine certificate + points) - Automatic IHG Platinum Elite Status - Achieve IHG Diamond Elite Status (formerly IHG Spire Elite) after spending $40K - Earn 10,000 bonus points + $100 statement credit after spending $20K, plus 1 additional purchase - IHG 4th Night Free On Award Stays - United TravelBank Cash benefit: Up to $50 per calendar year ($25 in January, $25 in July) - Annual Fee = $99 *NEW!* IHG REWARDS PREMIER BUSINESS CREDIT CARD - Same rewards & benefits as the IHG Premier Card above, plus 2 additional rewards categories and the ability to earn a 2nd Free Night. See details below. - 10X IHG Hotels - 5X Select Business (Social Media & Search Engine Advertising) - 5X Office Supply Stores - 5X Gas Stations - 5X Travel - 5X Restaurants / Dining - 3X Other Purchases - IHG Annual Free Night Certificate, value up to 40K points - Earn a 2nd IHG Annual Free Night Certificate, up to 40K points, after spending $60K - Top Off Free Night Certificate (i.e. combine certificate + points). This benefit works on both free night certificates (i.e. the one that’s automatically issued and the one earned via spend) - Automatic IHG Platinum Elite Status - Achieve IHG Diamond Elite Status (formerly IHG Spire Elite) after spending $40K - Earn 10,000 bonus points + $100 statement credit after spending $20K, plus 1 additional purchase - IHG 4th Night Free On Award Stays - United TravelBank Cash benefit: Up to $50 per calendar year ($25 in January, $25 in July) - Annual Fee = $99 Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #ihgrewards #ihgpremier #hotelcreditcards 2022-03-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341934/breaking-new-ihg-one-rewards-program-revealed https://gamma.videonest.org/rcNoTeQE7Wk_thumbnail_resized_v2.webp https://gamma.videonest.org/rcNoTeQE7Wk_video_v3.mp4 *BREAKING!* NEW IHG One Rewards Program REVEALED! The ALL NEW IHG Rewards program is here! It’s called “IHG One Rewards” and comes with new benefits, including suite upgrades, free breakfast, lounge access, and more ways to earn points! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🎬 VIDEO - New IHG Credit Cards https://youtu.be/tY9nxMQx-8k 🎬 VIDEO - Correction About Legacy IHG Credit Cards https://youtu.be/QIEjKEEdkEc 🔗 LOYALTY LOBBY ARTICLE (IHG Launches IHG One Rewards With Breakfast, Suite Upgrades & Lounge Access): https://loyaltylobby.com/2022/04/12/ihg-launches-ihg-one-rewards-with-breakfast-suite-upgrades-lounge-access/ Here’s the breakdown of the new IHG One Rewards program… IMPORTANT DATES: - April 13, 2022: New tier & bonus points earning structure goes live. - April 17, 2022: New tier & bonus points earning structure should be fully rolled out to all member accounts. - June 2022: IHG milestone / choice benefits become available. IHG ELITE TIERS - IHG Club: Nights = 0 | Qualifying Points = 0 | Points Bonus = N/A - IHG Silver Elite: Nights = 10 | Qualifying Points = N/A | Points Bonus = 20% - IHG Gold Elite: Nights = 20 | Qualifying Points = 40K | Points Bonus = 40% - IHG Platinum Elite: Nights = 40 | Qualifying Points = 60K | Points Bonus = 60% - IHG Diamond Elite: Nights = 70 | Qualifying Points = 120K | Points Bonus = 100% IHG MILESTONE REWARDS 20 Nights - 5K Points - 2 Food & Beverage Rewards - 1 Confirmable Suite Upgrade 30 Nights - 5K Points - 2 Food & Beverage Rewards 40 Nights (Pick 2) - 10K Points - 5 Food & Beverage Rewards - 1 Confirmable Suite Upgrade (can pick this once) - 1 Annual Lounge Membership (can pick this once) 50 Nights - 10K Points - 5 Food & Beverage Rewards 60 Nights - 10K Points - 5 Food & Beverage Rewards 70 Nights (Pick 2) - 10K Points - 5 Food & Beverage Rewards - 2 Confirmable Suite Upgrade (can pick this once) - 1 Annual Lounge Membership (can pick this once) 80 Nights - 10K Points - 5 Food & Beverage Rewards 90 Nights - 10K Points - 5 Food & Beverage Rewards 100 Nights - 10K Points - 5 Food & Beverage Rewards IHG ONE REWARDS BENEFITS – MORE INFO 1. IHG Free Breakfast / IHG Complimentary Breakfast - IHG Diamond Elites can choose a complimentary hot breakfast for 2 people as their welcome amenity. Select items may be excluded. - Available at all properties, except for: select-service brands, limited-service brands that already include breakfast, Candlewood Suites, Holiday Inn Club Vacations, select Kimpton hotels, InterContinental Alliance Resorts in Las Vegas & Macau, and Mr. and Mrs. Smith properties. 2. IHG Diamond Elite Dedicated Support Team - Exclusive support 3. IHG Exclusive Rewards Night Discounts - Available to IHG Platinum & IHG Diamond Elites - Use fewer points to book select properties 4. IHG Early Check-In & Late Check Out - Early Check-In available to IHG Platinum & IHG Diamond Elites - Late Check Out up to 2:00 PM available to all IHG Rewards members - Both based on availability 5. IHG Rollover Nights - Available to IHG Gold, IHG Platinum, and IHG Diamond Elites 6. IHG Suite Upgrades - Available to IHG Platinum & IHG Diamond Elites at check-in 7. IHG Confirmable Suite Upgrades - Available as an IHG Milestone Award - Certificates valid up to 5 nights - Must be applied from 14 days to 1 day prior to stay - Valid for standard type suites or premium rooms if suites not available - Apply via phone. Digital method is forthcoming. 8. IHG Annual Lounge Membership - Available as an IHG Milestone Award - Valid for remainder of year earned, plus full next year 9. InterContinental Ambassador, InterContinental Royal Ambassador, Kimpton Inner Circle - All 3 programs still remain in effect for now. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #IHGRewards #IHGOneRewards #IHGHotels 2022-04-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341935/should-you-fly-spirit-airlines-5-things-to-know-in-2023 https://gamma.videonest.org/kc0zV-grh0A_thumbnail_resized_v2.webp https://gamma.videonest.org/kc0zV-grh0A_video_v3.mp4 Should You Fly Spirit Airlines? (5 Things to Know in 2023) Thinking about flying Spirit? I just got back from my first ever Spirit Airlines flight and had a really positive experience! Here's my full Spirit Airlines Review with 5 things I learned that you should know before booking your flight. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese With all the ‘Spirit Airlines Be Like’ videos and negative press that the airline gets, I thought I’d write about my positive experience flying the airline for the first time! I initially had a round-trip flight booked from OAK airport to SNA airport on Southwest Airlines. However, the major operational meltdown during the week of December 26-30 caused my flight to get canceled. So, since Spirit Airlines also offers nonstop flights from OAK to SNA, I decided to give it a go! Here are 5 things I learned about Spirit: 1. Spirit Airlines is an ultra-low-cost carrier. That means you’re paying for airfare and THAT’S IT! Everything else costs extra and prices usually go up the longer you wait (and the heavier the bag). For that reason, set your expectations, plan what you need, and pay for all the incidental charges you want upfront during the booking process (or you’ll pay more at the airport). 2. Spirit Airlines has an 8-step booking process. Each step along the way allows you to add additional items to customize your itinerary. Here are the steps: a. Search For a Flight. You’ll see 2 prices, Standard and Savers Club. The Spirit Savers Club is an annual membership offering discounts on flights, bags, seats, and more. Furthermore, you can pay for your flight in dollars (i.e. cash), points, or a combination of points and cash. b. Pick a Bundle. This is where you can save money by grouping perks together like: picking your seat, purchasing shortcut boarding, adding a checked bag and/or a carry-on bag, and adding Spirit Flight Flex, which allows you to modify your flight once for free (minus fare differences). c. Enter Passenger Info. This is a standard flow that you’ll experience with other airlines. d. Select Bag Options. 1 personal item is always included. If you purchase a carry-on bag, you’ll also receive Zone 1 boarding. Be sure to comply with the carry-on and checked bag size and weight restrictions. e. Choose Seats. The Spirit Airlines Big Front Seat is kind of like a first class seat but without first class amenities / service. It offers more leg room, a wider seat, more comfortable padding, and a location at the front of the plane. The Premium Seats are located in the emergency exit row and offer more leg room. The Standard seats are located throughout the cabin. f. Choose Options. This step includes adding things like inflight wi-fi, Spirit Flight Flex, Skip Through Security, and Get On Board Faster with Zone 2 boarding. g-h. Pay & Confirm. You can also add insurance at this step (and PayPal is a payment method). 3. The Spirit Airlines Mobile App Is AWESOME! It’s got all the essential functions you’ll need to manage your trips, book new flights, and manage your account. Get it! 4. The Spirit Airlines loyalty program is called Free Spirit. There are 2 Tiers (Silver Members and Gold Members, each of which can help you waive a lot of the fees you’d normally pay. There’s also the Spirit Airlines credit card (Free Spirit Travel More World Elite Mastercard) issued by Bank of America to help you earn even faster. 5. It’s Not All Perfect :D The seatback pocket isn’t really a pocket (and there's no seat-back entertainment), the standard seat comfort is just ok, bag check in lines can get very long (so arrive early), and there are no free snacks or beverage service. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #spiritairlines #howtotravel #budgettravel 2022-12-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341936/world-of-hyatt-credit-card-review https://gamma.videonest.org/4Y9B-m-IpHc_thumbnail_resized_v2.webp https://gamma.videonest.org/4Y9B-m-IpHc_video_v3.mp4 WORLD OF HYATT Credit Card Review! The Hyatt credit card has undergone some changes recently. Click "Show More" to see Ad Disclosure. In its current form as the World of Hyatt Credit Card with a $95 annual fee, it’s actually pretty darn great! In this video we’ll do a full credit card review to see if it’s one for which you should apply. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS Earn 50,000 World of Hyatt points after meeting these spend requirements: a. Get 25,000 points after spending $3K in the first 3 months b. Get another 25,000 points after spending $6K in the first 6 months Value = $850 (average) ANNUAL FEE = $95 EARN WORLD OF HYATT POINTS 4X Hyatt 2X Restaurants 2X Airline Tickets 2X Local Transit & Commuting (taxi cabs, mass transit, tolls, ride-share services) 2X Fitness Clubs & Gym Memberships 1X Everything Else REDEEM WORLD OF HYATT POINTS - Redeem for hotels = 1.7¢ per point value, on average Hyatt redemption chart: https://world.hyatt.com/content/gp/en/rewards/free-nights-upgrades.html - Coming in 2021: Hyatt Off Peak & Peak point pricing - Redeem for Hyatt services = 1.0¢ - 1.5¢ per point value, on average Covers things like spa services, restaurant, in-room movies, parking, transportation and more Learn more here: https://world.hyatt.com/content/gp/en/rewards/dining-spa-more.html WORLD OF HYATT CREDIT CARD BENEFITS - Hyatt Free Night: 1 free night at any Cat. 1–4 Hyatt hotel or resort every year after your anniversary - 2nd Free Night: Spend $15K, valid at any Cat. 1-4 property - Elite Status: Receive automatic Hyatt Discoverist status each year Learn more about Hyatt Discoverist, Hyatt Explorist and Hyatt Globalist elite status here: https://world.hyatt.com/content/gp/en/tiers-and-benefits.html#charts - Hyatt Qualifying Night Credits: Get 5 Qualifying Night Credits each year, plus earn 2 Qualifying Night Credits for every $5K spent on the card CREDIT CARD INSURANCE & PROTECTIONS - Baggage delay insurance - Lost luggage reimbursement - Trip cancellation / Trip interruption insurance - Purchase protection - Visa concierge SHOULD YOU GET IT? YES if you… - Travel moderately to frequently - Stay at Hyatt properties - Spend in 4X or 2X categories - Value ‘free night’ more than $95 - Want a non-bonus spend card NO if you… - Don’t travel often - Don’t stay at Hyatt properties - Prefer flexible / transferrable rewards - Prefer cash back - Stay at Airbnb instead of hotels GOOD TO KNOW (related to card) - Subject to Chase 5/24 Rule - Can have either the Hyatt Credit Card (old version) or the World of Hyatt Credit Card (new version) GOOD TO KNOW (not related to card) - Hyatt Partnerships: American Airlines, Lindblad Expeditions, Exhale, MGM Resorts International, Air & Auto program, more! - Hyatt Brand Explorer Award / 5-Brand Free Night Award: Get a free Cat. 1-4 night after staying at 5 unique brands. Can earn this multiple times. - Chase-Hyatt Transfers: Convert Chase Ultimate Rewards points into World of Hyatt points via Sapphire Preferred, Sapphire Reserve & Ink Business Preferred Cards. - HYATT FAQs: https://help.hyatt.com/en/faqs/world-of-hyatt/world-of-hyatt-awards.html#/6 - HYATT PARTNERSHIP PROGRAMS: https://world.hyatt.com/content/gp/en/rewards/air-auto.html OTHER CREDIT CARDS TO CONSIDER - Hilton Honors American Express Card - Hilton Honors Surpass Card - Hilton Honors Aspire Card - Marriott Bonvoy Boundless - Marriott Bonvoy Brilliant - Marriott Bonvoy Business credit card - IHG Rewards Club Premier credit card - Chase Sapphire Preferred - Chase Sapphire Reserve - Amex Platinum Card - Amex Gold Card - Amex Green Card - Citi Prestige Card - Citi Premier Card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #hyatt #travel 2021-01-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341937/channel-update-announcing-channel-memberships https://gamma.videonest.org/1jfVWig2cPg_thumbnail_resized_v2.webp https://gamma.videonest.org/1jfVWig2cPg_video_v3.mp4 CHANNEL UPDATE: Announcing Channel Memberships! 🥇Join this channel to get VIP Member Perks! http://markscreditcards.com/join Hey everyone it’s Mark and I’m thrilled to announce that we’ve now crossed 45,000 subscribers and new people are still joining every single day! The bad news is that we’re at a tipping point where I can no longer guarantee a reply to every comment or question that comes in. The good news is that I’m launching a brand-new way for you to get even more value out of this channel as it continues to grow. It’s called Channel Memberships, and you can find them on the Main Page near my profile icon (i.e. the Join button) or on the About Tab under the Links section. When you become a Member, you’ll get access to exclusive perks, like: - Members-Only Polls to influence the direction of the channel. - Priority Reply to Comments to get answers to your questions. - Breaking News & Alerts to stay informed about credit card offers. - And MUCH more as the perks continue to evolve over time. Each membership level has a set price with no commitment, allowing you to start or stop whenever you like. So, find the level that works best for you & get started today! I look forward to better serving you in the months & years ahead. See you on the inside! 🥇Join this channel to get VIP Member Perks! http://markscreditcards.com/join Additional Links: -------------------- 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese #creditcards 2022-09-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341938/how-to-redeem-marriott-free-night-certificate-how-to-use-marriott-free-night-certificate https://gamma.videonest.org/jlMLgH6qV3k_thumbnail_resized_v2.webp https://gamma.videonest.org/jlMLgH6qV3k_video_v3.mp4 How To Redeem MARRIOTT FREE NIGHT CERTIFICATE! (How to use Marriott free night certificate) I’ll walk you through the EXACT process of how to redeem your Marriott Free Night Award certificate. Let’s begin with some great news: IT’S EASY! Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SETTING THE STAGE 1. The Marriott Free Night Award (FNA) certificates are NOT the same as Marriott Bonvoy points, but they do have an equivalent value (i.e. your Marriott free night certificate may be worth up to 35,000 points or 50,000 points). So if a night costs 45,000 points and you use your 50,000-point certificate, then you will NOT have 5,000 points left. Instead, the entire certificate will be used. 2. Marriott free night awards expire 1 year after the date they’re issued. So, use them up first before you use your points. 3. The following CHASE Marriott credit cards are currently available for signup and issue free night award certificates: Marriott Bonvoy Boundless credit card (35K cert.). That’s it for now. The Marriott Bonvoy Bold credit card has no annual fee and does not issue an annual free night award. Other Chase Marriott credit cards that also issue FNA certificates but are no longer available to new applicants include the Marriott Bonvoy Premier Plus Business card (35K cert.) and the JP Morgan Ritz Carlton Rewards card (50K cert.). Note that the Chase Marriott Premier Plus Rewards card was converted into the Marriott Bonvoy Boundless card. 4. The following AMEX Marriott credit cards are currently available for signup and issue free night award certificates: Marriott Bonvoy Brilliant American Express Card (50K cert) and the Marriott Bonvoy Business American Express Card (35K cert.). The personal Marriott Bonvoy American Express Card (discontinued) also issues a 35K certificate if you have it. MARRIOTT AWARD CHART / MARRIOTT REDEMPTION CHART https://www.marriott.com/loyalty/pointsGridPopUp.mi HOW TO REDEEM MARRIOTT CERTIFICATE 1. Log into your Marriott Bonvoy Account 2. Search for the Marriott hotel at which you’d like to stay 3. Select the option to Use Points / Certificates 4. Go through normal booking process as if you were going to redeem Marriott Bonvoy points 5. During checkout at the “Review Reservation Details” page, you’ll see a message box that says “You have eligible e-certificates that match your reservation.” 6. Ensure your certificate is selected and complete the rest of the booking process as normal. NOTES - Marriott will automatically choose the eligible free night award certificate that expires FIRST - If you have 2 or more eligible Marriott certificates, you’ll be able to apply them all to book a multi-night stay. - If you have 35K and 50K night certificates, and you’re booking a room that costs 40K points, then Marriott will automatically show only your 50K certificate because the lower value ones wouldn’t not be eligible. If you’ve ever wondered how to save money on travel, then getting some hotel credit cards that come with annual free night awards in the form of certificates or points are a GREAT way to make that happen. If you want to earn Marriott Bonvoy points quickly, I suggest getting Chase credit cards that earn Ultimate Rewards points, including the: Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Freedom Unlimited, and the Chase Freedom Flex. All of these cards earn Chase UR points, and as long as you have one of the Sapphire-branded cards (or the Chase Ink Business Preferred), then you can transfer all of your combined points directly into the Marriott Bonvoy program. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #marriott #marriottbonvoy 2020-11-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341939/7-reasons-to-avoid-american-express-cards https://gamma.videonest.org/4lNHtoPw2Hs_thumbnail_resized_v2.webp https://gamma.videonest.org/4lNHtoPw2Hs_video_v3.mp4 7 Reasons to AVOID American Express Cards Amex credit cards are great, BUT they’re not for everyone. Here are the Top 7 Reasons why you should AVOID American Express credit cards & make sure you’re making the right card choice for YOU. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull REASON #1: YOU’RE A BEGINNER TO CREDIT - Amex doesn’t offer true beginner credit cards. - No student credit cards & no secured credit cards. - One “semi-exception” = Blue from American Express, but this still likely requires previous credit history and not worth getting. Recommend building your credit history and your credit score before applying with Amex. Start with another bank, esp. if you already have a checking account or savings account (might help w/ a credit card approval from the same bank). Then for Amex, I’d personally feel good about… - Credit History = 6+ months - Credit Score = High 600s or better REASON #2: YOU DON’T LIKE ANNUAL FEES American Express currently has 17 personal cards (excluding the Serve card), and 11 of those have annual fees – or 65% of their lineup. American Express also has 14 business cards, and 9 of those have annual fees - or 64% of their lineup. REASON #3: YOU DON’T WANT TO WORK, THINK, OR STRATEGIZE TO GET VALUE Some Amex cards have a lot of things to remember, from overlapping rewards categories, to rules & restrictions, and various credits & benefits that occur at different times of the year. Examples… - The Amex Green Card earns 3X on Travel (including flights), but the Amex Gold Card earns 3X only on flights, while the Amex Platinum Card earns 5X only on flights - The Amex Gold Card also earns 4X on groceries at U.S. Supermarkets (not worldwide), and only on the first $25K spent in that category per year. - The Amex Platinum Card earns 5X on hotels, but only when they’re prepaid and purchased via the Amex Travel Portal. - All 3 cards have annual credits, but they’re totally different & issued at various intervals throughout the year (a lot to keep track of). REASON #4: YOU DON’T WANT TO PLAY GAMES WITH WELCOME OFFERS Amex is known to show different welcome offers to different people based on browser history. Pro Tip: Do 1 of the following… 1. FIRST, clear browser history & cache, THEN go to Amex’s site, or… 2. FIRST, open a private / incognito window or tab in your web browser, THEN go to Amex’s site - It’s recommended to do this if using a referral or affiliate link, too. REASON #5: YOU WANT TO BUILD A STRONG CASH BACK SETUP WITH 1 CARD ISSUER - Amex only has 3 cash back credit cards on the personal side. - The Amex Cash Magnet Card earns 1.5% cash back on all purchases, but there are plenty of 2% cash back cards available from other issuers with no annual fee. - The Amex Blue Cash Everyday Card is a good card with no annual fee - The Amex Blue Cash Preferred Card is a good card with a $95 annual fee - Consider getting 1 of the 2 Blue Cash cards if the spend categories fit your needs, then pair it with other cash back cards from other issuers that have more options & cover different rewards categories. REASON #6: YOU SHOP AT PLACES THAT DON’T ACCEPT AMERICAN EXPRESS CARDS - Although 99% of U.S. merchants who accept credit cards also take American Express, that’s still not 100%. - Amex acceptance rates abroad may still cause issues in certain areas REASON #7: YOU WANT A SIMPLE REWARDS PROGRAM WITH STRONG VALUE FOR ALL REDEMPTIONS Amex cards that earn Membership Rewards points have different redemption values based on what you’re redeeming for, which often causes a lot of confusion and disappointment for people who aren’t frequent travelers. - Cash Back (via statement credit): 0.6¢ per point - Pay With Points (at checkout): All 0.7¢ each (exceptions = NYC Cabs at 1.0¢ and Ticketmaster at 0.5¢) - Gift Cards (digital & physical): 0.5¢, 0.7¢, 0.8¢, or 1.0¢ depending on card - Travel (Portal): See below… - Flights = 1.0¢ - Upgrade with Points = 1.0¢ - Hotels (standard, prepaid) = 0.7¢ - Hotels (FHR, prepaid) = 1.0¢ - Hotels (THC, prepaid) = 1.0¢ - Car Rentals (prepaid) = 0.7¢ - Vacations = 0.7¢ - Travel (transfer partners): Varies Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexcreditcards #amexplatinum 2022-01-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341940/3-chase-sapphire-cards-sapphire-no-annual-fee-credit-card https://gamma.videonest.org/13aXO_MLKHA_thumbnail_resized_v2.webp https://gamma.videonest.org/13aXO_MLKHA_video_v3.mp4 *3* Chase Sapphire Cards?! (Sapphire NO ANNUAL FEE Credit Card) The Chase Sapphire Preferred and Chase Sapphire Reserve credit cards get all the attention (and they should)! They’re some of the best travel credit cards available. Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull However, did you know there’s a ‘Chase Sapphire’ credit card with no annual fee? It’s no longer available for new applications… BUT…you CAN get it by doing a product change from one Chase credit card to another. The 2 main paths are: 1. DOWNGRADING from the Chase Sapphire Preferred or Chase Sapphire Reserve cards 2. PRODUCT CHANGING from the Chase Freedom or Chase Freedom Unlimited credit cards Doing a product change will not allow you to receive a signup bonus, but it WILL keep your credit account open, preserve your credit payment history, preserve your account’s age, and therefore help improve your credit score over the long term. The no-annual-fee Chase Sapphire card earns 2X Ultimate Rewards points per dollar on dining and 1X points per dollar on all other purchases. There is no signup bonus, no annual fee, and the card is made of plastic :-) It earns Chase Ultimate Rewards points, but there is not a ‘boost’ for travel of 25% like on the CSP or 50% like on the CSR. In other words, points are worth 1¢ each (e.g. 10,000 points = $100 toward travel or cash back). ADDITIONAL NOTES: - Only available via product change - Access to travel portal (no boost in value) - NO access to Chase transfer partners like Southwest, United, Hyatt, Marriott, etc. - Earn 5X points on Lyft rides - Receive DoorDash’s membership program (DashPass) for 1 year - You cannot apply for the Sapphire Preferred or Sapphire Reserve while you have this card There *IS* a decent list of insurance coverage on the no-fee Sapphire Credit Card, including: - Trip cancellation / trip interruption insurance - Baggage delay insurance - Roadside dispatch - Auto rental collision damage waiver (CDW) - Trip delay reimbursement - Lost luggage reimbursement - Travel & emergency assistance services - Travel accident insurance That said, if you have the Sapphire Preferred card or Sapphire Reserve card and no longer want to pay the annual fee (but DO want to keep your account open), I recommend downgrading to the Chase Freedom credit card or the Chase Freedom Unlimited credit card instead. Both of these are great cash back credit cards with no annual fees and earn rewards points at a higher rate than the no-fee Sapphire Card. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #chasesapphire #ultimaterewards 2020-08-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341941/wow-capital-one-venture-x-card-or-new-best-travel-credit-card-or-nov-09-2021-launch https://gamma.videonest.org/sjBNxeTZv8A_thumbnail_resized_v2.webp https://gamma.videonest.org/sjBNxeTZv8A_video_v3.mp4 *WOW!* CAPITAL ONE VENTURE X CARD | New Best Travel Credit Card? | Nov. 09, 2021 Launch The ALL NEW Capital One Venture X Rewards Credit Card is launching on November 09, 2021 with a $395 annual fee! This is Capital One’s first-ever super-premium travel credit card; check out what it has to offer! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🔗 Travel With Grant Blog Post (2019 Rumor): https://travelwithgrant.boardingarea.com/2019/08/01/rumor-capital-one-to-launch-premium-credit-card-caroline/ 🔗 The Points Guy Blog Post (Venture X Card): https://thepointsguy.com/news/capital-one-venture-x/ 🔗 The Points Guy Blog Post (Capital One Lounge): https://thepointsguy.com/news/capital-one-lounge-dfw-first-look/ LAUNCH DATE = November 09, 2021 WELCOME BONUS Earn 100,000 bonus miles after spending $10K on purchases in the first 6 months. PLUS, earn up to $200 in statement credits for vacation rental purchases (e.g. Airbnb, Vrbo) when charged to your card within the first year. ANNUAL FEE = $395 REWARDS 10X Hotels via Capital One Travel 10X Rental Cars via Capital One Travel 5X Flights via Capital One Travel 2X Other Purchases BENEFITS - $300 Travel Credit: Earn up to $300 back in statement credits for travel purchases made via the Capital One Travel portal each year. - Anniversary Bonus: Receive 10,000 bonus miles each account anniversary year (worth $100+ towards travel). - Lounge Access: Complimentary, unlimited access to Capital One Lounges for you as the primary cardholder, up to 2 guests, and your authorized users. Plus, receive a complimentary Priority Pass lounge membership for access to other airport lounges around the world. - Authorized Users: Add up to 4 authorized users to your account for no additional fee. Plus, those authorized users will receive access to Capital One Lounges and can bring up to 2 guests of their own. - Global Entry / TSA PreCheck benefit: Get up to $100 in statement credits to reimburse the application fee for either program. - Transfer Partners: Just like the Capital One Venture Card ($95 annual fee), the new Venture X will give you access to all of Capital One’s transfer partners, both airlines & hotels. This new Capital One Venture X Card will definitely give some strong competition to the likes of the Amex Platinum Card, Chase Sapphire Reserve, U.S. Bank Altitude Reserve, Bank of America Premium Rewards Elite, and others! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitalone #travelcreditcards #capitaloneventure 2021-11-04T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341942/ritz-carlton-credit-card-review-2021 https://gamma.videonest.org/p5CE2X7Lhjs_thumbnail_resized_v2.webp https://gamma.videonest.org/p5CE2X7Lhjs_video_v3.mp4 RITZ CARLTON CREDIT CARD REVIEW 2021! The benefits of the Ritz Carlton Credit Card aren’t well known, in fact, many people aren’t aware that this card even exists! I’ll expose all the details of this premium hotel credit card so you can see if it’s right for you! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO: I Got The Ritz Carlton Credit Card (Step-by-Step Product Change) https://youtu.be/OF2fLoZh7pE WELCOME BONUS (Aug. 2021) - N/A - This card was discontinued to new applicants in July 2018 - However, you can still obtain it via product change from the Marriott Bonvoy Bold credit card or the Marriott Bonvoy Boundless credit card, both issued by Chase. - See the link to the video above for a step-by-step tutorial on how to do the product change ANNUAL FEE = $450 EARN MARRIOTT BONVOY POINTS - 6X Marriott Hotels - 3X Dining - 3X Car Rentals - 3X Airline Purchases - 2X Other Purchases REDEEM MARRIOTT BONVOY POINTS - Best for Marriott hotels & resorts - Average value = 0.7¢ per point - Example: 75,000 points = $525 MARRIOTT REDEMPTION CHART https://www.marriott.com/loyalty/pointsGridPopUp.mi RITZ CARLTON CREDIT CARD BENEFITS - $300 Annual Travel Credit: Covers qualifying airline incidental purchases, including: airline lounge day passes, yearly lounge memberships, airline seat upgrades, airline baggage fees, in-flight Internet / entertainment, in-flight meals. Must contact J.P. Morgan to use credit. Call # on back of card or send secure message. Renews every calendar year. - Free Night Award: Receive 1 annual free night certificate. Value = up to 50,000 points. Covers most fees & taxes (exception: resort fees). Renews every account anniversary year - Gold Elite Status: See all Marriott Gold Elite Status Benefits here: https://www.marriott.com/loyalty/member-benefits/gold.mi - Platinum Elite Status: Spend $75K on your Card within an account anniversary year - 15 Elite Night Credits: Receive 15 elite night credits each calendar year towards the next level of elite status - 3 Annual Club-Level Upgrade E-Certificates: Issued every account anniversary year. Each valid for up to 7 nights. VALID only on member rates and non-discounted rates available weekdays and weekends on standard and premium rooms. NOT VALID on special corporate negotiated rates, wholesale rates, discounts, or promotions (includes AAA), packages, group rates, eChannel rates, advance purchase rates and Government rates. Valid at participating Ritz-Carlton hotels. Reservation must be paid for with Ritz-Carlton card. TO REDEEM, call 1-800-542-8680 $100 Hotel Credit: Available at Ritz-Carlton & St. Regis properties. 2-night minimum stay required. VALID only on member rates and non-discounted rates available weekdays and weekends on standard and premium rooms. NOT VALID on special corporate negotiated rates, wholesale rates, discounts, or promotions (includes AAA), packages, group rates, eChannel rates, advance purchase rates and Government rates. TO REDEEM, must book the rate called: “$100 Property Credit, Luxury Credit Card Rate.” Applied as a credit on your hotel bill upon checkout (i.e. not your Chase statement). Exclusions: room rate, alcohol, taxes, gratuities. No limit to how many times you can use this per year. - Priority Pass Select: Access over 1,200 airport lounges. Unlimited free guests. Authorized users get their own Priority Pass membership, also with unlimited free guests. Access Priority. Pass lounges & restaurants. For the restaurants, you’ll get a $28 credit as the primary cardholder and $28 for up to 1 guest ($56 total) - Fee Credit for Global Entry or TSA PreCheck: Receive a statement credit to cover the application fee for either program. $100 for GE. Up to $85 for TSA PreCheck. Renews every 4.5 years. - No Foreign Transaction Fees - Premium Internet Access: Free in-room, premium Internet access INSURANCE & PROTECTIONS Learn more here: https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC10849_RitzCarlton_VisaInfinite.pdf SHOULD YOU GET IT? - See end of video Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #travelcreditcards #marriottbonvoy #ritzcarlton 2021-08-23T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341943/citi-custom-cash-card-review https://gamma.videonest.org/YHj6-ZC8LyA_thumbnail_resized_v2.webp https://gamma.videonest.org/YHj6-ZC8LyA_video_v3.mp4 CITI CUSTOM CASH CARD REVIEW! The Citi Custom Cash Card is a fantastic cash back credit card that puts YOU in the driver’s seat by rewarding you in select categories where you spend the most each month. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (June 2021) Earn $200 cash back after spending $750 on purchases in the first 3 months. This offer will be fulfilled as 20,000 ThankYou points. (Note: A $300 / 30,000-point welcome offer may be available in branch locations). Plus, 0% APR for 15 months on purchases and balance transfers, then 13.99% - 23.99% variable APR afterward. ANNUAL FEE = $0 EARN CASH BACK - 5% Top Eligible Spend Category:* Earn 5% cash back in the category where you spent most each billing cycle. Valid on the first $500 spent, then 1% cash back beyond that until it refreshes the following cycle. - 1% Other Purchases *5% ELIGIBLE CATEGORIES - Restaurants - Gas Stations - Grocery Stores - Select Travel - Select Transit - Select Streaming Services - Home Improvement Stores - Live Entertainment - Drugstores - Fitness Clubs To learn exactly what counts for 5% under each category, go here: https://www.citi.com/credit-cards/additional-info/citi.action?ID=AdditionalInfo-CustomCash REDEEM CASH BACK - Travel (Portal): 1 point = 1¢ - Travel (Transfer Partners): 1 point = 1.7¢ (avg). Note: The Citi Custom Cash Card doesn’t provide access to transfer partners on its own. Transfer partners are only accessible when paired with the Citi Premier Card or Citi Prestige Card. - Cash Back (Direct Deposit, Statement Credit, Check): 1 point = 1¢ - Other Options: Shop with Points at Amazon.com, Gift Cards, more PERKS & BENEFITS - Automatic Account Alerts - Tap Your Card with Contactless Pay - Digital Wallets - Bank anywhere with the Citi Mobile App - Choose Your Payment Due Date - 24/7 Customer Service - Citi Entertainment: Get access to music, sports, culinary experiences, and more INSURANCE & PROTECTIONS - Mastercard ID Theft Protection - $0 Liability on Unauthorized Charges - Free Access to your FICO Score - Fraud Early Warning - Citi Quick Lock SHOULD YOU GET IT? YES if you… - Want a GREAT cash back card to use on its own or to use alongside other cash back cards - Want a GREAT way to earn ThankYou points for travel, and already have the Citi Premier and/or Citi Prestige cards NO if you… - Want to earn travel rewards for long-haul, international flights and DO NOT have the Citi Premier and/or Citi Prestige cards - Want to get below 5/24 to get Chase cards - Need strong insurance coverages Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #cashbackcreditcards #citicustomcash 2021-06-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341944/amex-everyday-preferred-credit-card-review https://gamma.videonest.org/d74vEV89PMU_thumbnail_resized_v2.webp https://gamma.videonest.org/d74vEV89PMU_video_v3.mp4 AMEX EVERYDAY PREFERRED CREDIT CARD REVIEW! The American Express Everyday Preferred Card has a unique way of earning rewards on everyday spend categories with its 50% boost feature. Learn if it’s the right card for you! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull NOTE: Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. WELCOME OFFER (March 2022) Earn 15,000 Amex Membership Rewards Points after spending $2,000 on purchases in the first 6 months. Plus, receive a 0% APR for the first 12 months on purchases, then 12.99% - 22.99% variable. The approximate value of the points portion of the offer = $90-$270+ (on average). ANNUAL FEE = $95 Rates & Fees: https://www.americanexpress.com/us/credit-cards/card-application/apply/member/terms/amex-everyday-preferred-credit-card/90001-11-0/#FeeTable EARN AMEX MEMBERSHIP REWARDS POINTS - 3X Groceries: At U.S. Supermarkets | Up to $6,000 spent per year - 2X Gas: At U.S. Gas Stations - 2X Travel: Via Amex Portal (AmexTravel.com) | Includes: airfare, prepaid hotels, prepaid car rentals, vacation packages, and cruises | Does Not Include: non-prepaid car rentals, non-prepaid hotels, ticketing service or other fees, or interest charges - 1X Other Purchases REDEEM AMEX MEMBERSHIP REWARDS POINTS - Travel (Transfer Partners): 1.8¢ per point (avg.) - Travel (Portal): 0.7¢ for hotels, car rentals, cruises, and vacation packages | 1.0¢ per point for flights - Cash Back (Statement Credit): 0.6¢ per point AMEX TRANSFER PARTNERS Airlines - Aer Lingus AerClub - Aeromexico Club Premier - Air Canada Aeroplan - Air France KLM Flying Blue - ANA Mileage Club - Asia Miles - Avianca LifeMiles - British Airways Executive Club - Delta SkyMiles - Emirates Skywards - Etihad Guest - Hawaiian Airlines - Iberia Plus - JetBlue TrueBlue - Qantas Frequent Flier - Singapore Airlines KrisFlyer - Virgin Atlantic Flying Club Hotels - Choice Privileges - Hilton Honors - Marriott Bonvoy AMEX EVERYDAY PREFERRED CARD BENEFITS - 50% Extra Points: Earn 50% more points (minus returns & credits) when you use your card 30+ times in a billing cycle. - ShopRunner: Complimentary membership for free 2-day shipping & returns at 100+ merchants. Enrollment required. - Amex Offers: Savings & rewards at select merchants. AMEX EVERYDAY PREFERRED 50% EXTRA POINTS BONUS Here’s how the rewards structure would look AFTER making 30+ transactions in a billing cycle to unlock the 50% boost: - 4.5X Groceries at U.S. Supermarkets, up to $6K spent - 3X Gas at U.S. Gas Stations - 3X Travel via Amex portal - 1.5X Other Purchases INSURANCE & PROTECTIONS - Car Rental Loss & Damage Insurance - Purchase Protection - Return Protection - Extended Warranty - Global Assist Hotline Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. Card Members are responsible for the costs charged by third-party service providers. SHOULD YOU GET IT? YES if you… - Spend frequently at supermarkets & gas stations - Will use the card 30+ times in a month - Want a good card for ‘non-bonus’ spend (1.5X on all purchases w/ 50% extra feature) - Want to earn travel rewards instead of cash back - Want a simple card with strong rewards and without a lot of credits / benefits to manage NO if you… - Don’t spend often at supermarkets & gas stations (incl. if you buy groceries at superstores, departments stores, or wholesale clubs … which are not eligible) - Cannot use the card 30+ times in a month - Prefer cash back rewards over travel points - Can’t justify the annual fee FINAL NOTE: This card can also work well when used along with other Amex cards that earn Membership Rewards points (e.g. Amex Platinum Card, Amex Gold Card, Amex Green Card, and others) because you can combine points into 1 balance! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexeverydaypreferred #travelcreditcards 2022-03-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/341987/big-update-marriott-bonvoy-credit-cards-2022 https://gamma.videonest.org/6V4gZqb8aK0_thumbnail_resized_v2.webp https://gamma.videonest.org/6V4gZqb8aK0_video_v3.mp4 *BIG UPDATE!* Marriott Bonvoy Credit Cards 2022! Big news just dropped this Feb. 2022 regarding the current Marriott Bonvoy credit card lineup. There are 2 changes to the Marriott Bonvoy Boundless card, PLUS 2 new card launches in the Japanese market! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO 1: Marriott Bonvoy Brilliant Rumor $750 Annual Fee https://youtu.be/nbIDKcXpnvE 🎬 VIDEO 2: Marriott Bonvoy Brilliant Rumor $650 Annual Fee https://youtu.be/0qOZZAr6u_s 🔗 PRESS RELEASE – Chase and Marriott Bonvoy Announce Enhanced Benefits to Marriott Bonvoy Boundless Credit Card: https://www.businesswire.com/news/home/20220210005155/en/Chase-and-Marriott-Bonvoy®-Announce-Enhanced-Benefits-to-Marriott-Bonvoy-Boundless®-Credit-Card 🔗 MARRIOTT INTERNATIONAL NEWS – Marriott Bonvoy and American Express Launch New Cobrand Credit Cards in Japan: https://news.marriott.com/news/2022/02/09/marriott-bonvoy-and-american-express-launch-new-cobrand-credit-cards-in-japan UPDATE #1: MARRIOTT BONVOY BOUNDLESS CARD UPDATE BRIEF SUMMARY (Quote from press release) “Cardmembers can earn even more on everyday spending and have a new way to elevate Marriott Bonvoy Elite Status, all with no increase to the annual fee; new cardmembers are now eligible for a limited time 100,000 bonus points offer.” KEY POINTS - All existing rewards & benefits on the Marriott Bonvoy Boundless card remain the same - NEW REWARDS: You can now earn 3X points at grocery stores, gas stations, and restaurants on up to $6,000 in combined purchases each calendar year. This means the new rewards structure will be as follows… 6X Marriott Hotels 3X Grocery Stores* 3X Gas Stations* 3X Restaurants* 2X Other Purchases *NOTE: Earn 3X in combined purchases each year on the first $6,000 spent. - NEW BENEFIT: Earn 1 Elite Night Credit for every $5,000 in purchases made on the card. This is in addition to the standard benefit of receiving 15 Elite Night Credits automatically each calendar year simply by having the card open. This means the new benefit summary includes the following… - Automatic Marriott Bonvoy Silver Elite Status - 15 Elite Night Credits - 1 Elite Night Credit for every $5K spent - Marriott Bonvoy Gold Elite Status (after spending $35K) - Marriott Free Night Award (redemption value up to 35K points) - Premium Wi-Fi - No Foreign Transaction Fees - Protections: Baggage Delay, Lost Luggage Reimbursement, Trip Delay Reimbursement, Purchase Protection - Visa Concierge ANNUAL FEE = remains the same at $95.00 UPDATE #2: NEW MARRIOTT BONVOY CREDIT CARDS IN JAPAN New Card #1: Marriott Bonvoy American Express Card - Annual Fee: JPY 21,000 (USD $190) - Welcome Bonus: Earn 10,000 Marriott Bonvoy points after spending JPY 300,000 in the first 3 months - Benefits Include: Automatic Marriott Bonvoy Silver Elite Status, upgrade to Marriott Bonvoy Gold Elite Status after spending JPY 1 million, 4X points at Marriott Bonvoy Hotels, 2X points on other purchases, Free Night Award of 35,000 points upon card renewal // Then For Annual Spending Over JPY 1.5M, receive the following: a $100 property credit for eligible ancillary hotel expenses at The Ritz-Carlton or St. Regis hotels (2-night min. stay required), access to designated airport lounges, luggage delivery in Narita / Kansai / Chubu, and more. New Card #2: Marriott Bonvoy American Express Premium Card (refresh from SPG Amex) - Annual Fee: JPY 45,000 (USD $409) - Welcome Bonus: Earn 30,000 Marriott Bonvoy Points after spending JPY 300,000 in the first 3 months - Benefits Include: Automatic Marriott Bonvoy Gold Elite Status, upgrade to Marriott Bonvoy Platinum Elite Status after spending JPY 4 million, 6X points at Marriott Bonvoy hotels, 3X points on other purchases, // Then For Annual Spending Over JPY 1.5M, receive the following: same benefits as New Card #1 above. MY THOUGHTS With the refresh of the Marriott Bonvoy Boundless card in the U.S., PLUS the 2 new cards in the Japanese market, I’m curious if the U.S.-issued Marriott Bonvoy Brilliant Card from Amex will receive an update at some point (hopefully 2022)! :D Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #marriottbonvoy #marriottbonvoyboundless 2022-02-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343016/amex-green-card-retention-offer-2022 https://gamma.videonest.org/z8N3_cU5y8o_thumbnail_resized_v2.webp https://gamma.videonest.org/z8N3_cU5y8o_video_v3.mp4 AMEX GREEN CARD RETENTION OFFER 2022! The $150 annual fee on my American Express Green Card posted! Since some benefits overlap with the Amex Platinum Card, I decided to ask for a retention offer. Here’s what happened! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull THE CARD - American Express Green Card - Date Opened: 12.31.2018 - Annual Fee: $150 THE SPEND - 2020: $4,124.60 - 2021: $8,256.08 THE CHAT SUMMARY - Rep: What types of benefits are most valuable to you? - Me: Rewards that provide good value for cash back primarily & travel secondarily, as well as elite benefits with airlines & hotels. If an annual fee is involved, then I need to see benefits or credits that can help me make sense of paying that fee. - Rep: Green Card earns 3X at worldwide restaurants, including takeout and delivery services like Postmates, as well as on travel and transit. Plus, you receive travel benefits. If you spend $5K annually in those categories, you can earn 15,000 Membership Rewards points worth up to $150 towards gift cards. - Me: Unfortunately, the goal isn’t to break even; there are other cards that earn 3X – 5X points with no annual fee to destroy the value earned. - Rep: Do you use U.S. Streaming subscriptions? - Me: I do…Audible - Rep: In that case I’d like to offer this: Earn up to a total of $100 in statement credits over the next 6 months, starting today, after you use your card to pay directly for select U.S. Streaming Subscriptions and eligible U.S. Wireless Telephone Services charges. - Me: I already have streaming covered with my Amex Platinum Card. Any other offers? - Rep: Yes. You can earn a $100 statement credit after spending $1,500 or more in purchases within 3 months. - Me: Does “eligible U.S. Wireless Telephone Services” include my monthly Verizon phone bill? - Rep: Yes. - Me: I’ll take the streaming / wireless offer. LINK TO AMEX REWARDS CATEGORIES (What Counts, What Doesn't) https://www.americanexpress.com/us/rewards-info/retail.html THE OFFER - Statement Credits: Earn up to a total of $100 in statement credits over the next 6 months after you use your card to pay directly for select U.S. Streaming Subscriptions and eligible U.S. Wireless Telephone Services charges. - Spend Requirement: Cost of monthly streaming and/or phone bill - Previous Retention Offers: Yes. In 2020 I received 12,500 Membership Rewards points. In 2021, I received no offer. When you have credit cards with annual fees, make sure you get more value from them than they cost you, which can be in the form of rewards, credits, perks & benefits, insurance protections, etc. A lot of American Express credit cards & charge cards do have annual fees, so each year I recommend reviewing the value you get to determine if a given card is a keeper or not. Before you cancel a credit card, see if there are downgrade paths to take. Many banks will allow you to convert 1 card product to another, which could mean moving from a card WITH an annual fee to one WITHOUT an annual fee (and typically preserve your payment history, account age, credit limit, and account number). And of course, you can request a retention offer as well as I did in this video. If you go with this route, be sure to keep your credit card open for at least 1 full year from the time the offer is added to your account. This is to (a) stay in good standing with the bank and (b) to avoid the chance of the bank taking the offer back – or worse, freezing / canceling your account. Good luck on your Amex retention offer! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexgreencard #americanexpress #amexretentionoffer 2022-01-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343104/chase-sapphire-reserve-ultimate-guide-to-every-benefit https://gamma.videonest.org/343104_thumbnail_resized_v2.webp https://gamma.videonest.org/343104_video_v3_converted.mp4 Chase Sapphire Reserve: ULTIMATE GUIDE to Every Benefit Stop leaving yourself vulnerable to data breaches. Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if any of your data has been exposed. Then learn about the Chase Sapphire Reserve benefits, rewards and more! Click “Show More” to see Ad Disclosure. We'll cover the popular perks that make the Sapphire Reserve a favorite among frequent travelers, including: - Generous Travel Rewards: Earn Chase Ultimate Rewards points on travel and dining purchases. We'll break down the earning rates and how to redeem your points for maximum value. - $300 Annual Travel Credit: Learn how this credit offsets the majority of the credit card’s annual fee. It’s really easy to use and covers A LOT! - Airport Lounge Access: Explore the benefits of Priority Pass Select membership for comfortable and convenient travel. You can get into Chase Sapphire Lounges, too! - Enhanced Redemption Value: Discover how your points are worth more when redeemed through the Chase Ultimate Rewards travel portal, and even MORE when you use Chase transfer partners. - Travel and Purchase Protection: We'll discuss the robust travel insurance and purchase protection benefits that provide peace of mind. It’s among the best in the industry and covers a lot of scenarios. OFFERS & SAVINGS LINKS 📱 MaxRewards - Manage your cards | Promo Code = markr | https://markscreditcards.com/maxrewards 🚨Credit Card Alerts: https://markscreditcards.com/offeralerts 💳 Credit Card Offers: https://markscreditcards.com/offers 🛍️ Rakuten - Earn cash back or Amex Points: https://markscreditcards.com/rakuten 🏦 SoFi Checking & Savings (Get up to $325): https://markscreditcards.com/sofibanking 📊 Webull - Get Free Stocks: https://markscreditcards.com/webull ------------ CHASE SAPPHIRE RESERVE LINKS 🔵 Chase Sapphire Reserve Guide to Benefits: https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC10981_SapphireReserve_VisaInfinite.pdf 🔵 Business Insider Article: https://www.businessinsider.com/how-jpmorgan-chase-sapphire-reserve-figured-out-millennial-2018-1 🔵 Chase What Counts As Travel, Dining, and More: https://www.chase.com/personal/credit-cards/rewards-category-faq 🔵 Global Entry / TSA PreCheck / NEXUS Application: https://ttp.cbp.dhs.gov 🔵 Priority Pass Enrollment Instructions: https://www.chase.com/personal/credit-cards/education/basics/how-to-get-priority-pass-with-chase-sapphire-reserve 🔵 Priority Pass Website: https://www.prioritypass.com 🔵 Chase Sapphire Lounge by The Club (Locations, Hours & More): https://account.chase.com/sapphire-airport-lounge 🔵 The Edit: https://www.chase.com/travel/the-edit?jp_cmp=ct/vanity/off/theeditbychase/na 🔵 Reserved by Sapphire: https://account.chase.com/sapphire/reserve/reservedbysapphire 🔵 Visa Infinite Luxury Hotel & Resort Collection: https://www.visainfinitehotels.com 🔵 Visa Infinite Rental Car Benefits: https://usa.visa.com/supporting-info/infinite-car-rental.html CHAPTERS 00:00 - Intro 00:50 - Welcome Offer 1:28 - Earning Points 3:26 - Redeeming Points 5:12 - Transfer Partners 7:35 - Benefits 13:02 - Travel Insurance 13:26 - Retail Protections 13:35 - The Big Question Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #bestcreditcards #creditcard #creditcards 2025-03-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343105/something-big-is-coming https://gamma.videonest.org/343105_thumbnail_resized_v2.webp https://gamma.videonest.org/343105_video_v3_converted.mp4 Something BIG Is Coming… Something BIG…Something NEW…Something EPIC…Is coming soon. And it will change the way you MASTER the credit card game…FOREVER. Mark your calendars…March 17, 2025. OFFERS & SAVINGS LINKS 🚨Credit Card Alerts: https://markscreditcards.com/offeralerts 💳 Credit Card Offers: https://markscreditcards.com/offers 🛍️ Rakuten - Earn cash back or Amex Points: https://markscreditcards.com/rakuten 📱 MaxRewards - Manage your cards | Promo Code = markr | https://markscreditcards.com/maxrewards 🏦 SoFi Checking & Savings (Get up to $325): https://markscreditcards.com/sofibanking 📊 Webull - Get Free Stocks: https://markscreditcards.com/webull Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #credit #creditcard #creditcards 2025-03-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343106/1-secret-amex-benefit-99percent-of-people-are-unaware-of https://gamma.videonest.org/343106_thumbnail_resized_v2.webp https://gamma.videonest.org/343106_video_v3_converted.mp4 1 SECRET Amex Benefit 99% Of People Are Unaware Of American Express launched a SECRET BENEFIT on their credit cards that earn Membership Rewards points, and it can give you a lot more value for those points when you redeem them - learn how! Click “Show More” to see Ad Disclosure. It pretty much goes without saying that if you want to redeem Amex points for maximum value, then you’ll need to use Amex transfer partners. This means you take your Amex points, transfer them out to a partner airline or hotel program, and then redeem within that partner program. The highest point values are often seen when traveling on a long-haul international flight in a premium cabin, however, there’s still great value to be had with other types of redemptions. In short, would you rather redeem 50,000 points for a flight or 60,000 points…for the same flight? I think the answer is clear. The fewer points you redeem for a trip, the more points you’ll have left over for future trips. While transfer partners do not guarantee the best value all the time, they have the greatest probability of doing so compared to booking via a portal. That said, learning the transfer partner game can be quite complex, and this new SECRET BENEFIT that Amex launched can simplify the game in a huge way! ✈️ point.me x Amex: https://amex.point.me/ OFFERS & SAVINGS LINKS 📱 MaxRewards - Manage your cards | Promo Code = markr | https://markscreditcards.com/maxrewards 🚨Credit Card Alerts: https://markscreditcards.com/offeralerts 💳 Credit Card Offers: https://markscreditcards.com/offers 🛍️ Rakuten - Earn cash back or Amex Points: https://markscreditcards.com/rakuten 🏦 SoFi Checking & Savings (Get up to $325): https://markscreditcards.com/sofibanking 📊 Webull - Get Free Stocks: https://markscreditcards.com/webull Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amex #americanexpress #creditcards 2025-03-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343107/this-1-chase-sapphire-preferred-trick-changes-everything https://gamma.videonest.org/343107_thumbnail_resized_v2.webp https://gamma.videonest.org/343107_video_v3_converted.mp4 This 1 Chase Sapphire Preferred TRICK Changes EVERYTHING This SIMPLE TRICK with the Chase Sapphire Preferred can help you earn A LOT MORE points faster than ever. Follow the steps in this video so you can do it, too! Click “Show More” to see Ad Disclosure. There’s little debate that the Chase Sapphire Preferred is one of the best travel credit cards at a really good price ($95 per year). It allows you to earn Chase Ultimate Rewards points, which are good for cash back and even better for travel. However, there’s one reward category in particular that frustrates a lot of people because it has so many exclusions, and that ultimately means earning fewer points than would otherwise be possible. In this video, I’m going to show you a fantastic TRICK or HACK to get around this limitation so you can earn more points every month (and that means reaching your next redemption for a future flight or hotel even sooner)! OFFERS & SAVINGS LINKS 📱 MaxRewards - Manage your cards | Promo Code = markr | https://markscreditcards.com/maxrewards 🚨Credit Card Alerts: https://markscreditcards.com/offeralerts 💳 Credit Card Offers: https://markscreditcards.com/offers 🛍️ Rakuten - Earn cash back or Amex Points: https://markscreditcards.com/rakuten 🏦 SoFi Checking & Savings (Get up to $325): https://markscreditcards.com/sofibanking 📊 Webull - Get Free Stocks: https://markscreditcards.com/webull CHAPTERS 00:00 - INTRO 2:01 - TRICK PART 1 7:42 - TRICK PART 2 11:55 - TRICK PART 3 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #travelcreditcards #creditcards 2025-02-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343108/how-to-book-cheap-flights-in-2025-best-travel-hacks https://gamma.videonest.org/343108_thumbnail_resized_v2.webp https://gamma.videonest.org/343108_video_v3_converted.mp4 How to Book CHEAP FLIGHTS in 2025 (Best Travel Hacks) Want to save a bunch of money on flights? Learn these 7 travel hacks to find and book cheap flights every year! Click “Show More” to see Ad Disclosure. Dreaming of that dream vacation but dreading the flight costs? You're not alone! In this video, I'm sharing my top tips and tricks for finding and booking CHEAP flights. We're talking about strategies that some of the pros use so you can finally stop overspending on airfare and start putting that money towards the fun stuff! I'm pulling back the curtain and revealing the secrets. No magic wands here, just smart planning and knowing where to look. Whether you're planning a quick weekend escape or a dream vacation, these tips will help you get there without breaking the bank. The good news? Cheap flights are everywhere and it’s not very difficult to find them. CHEAP FLIGHT LINKS 🔹Google Flights: https://www.google.com/travel/flights 🔹Going: https://www.going.com/deals 🔹Skyscanner: https://www.skyscanner.com 🔹Airwander: https://airwander.com OFFERS & SAVINGS LINKS 🚨Credit Card Offer Alerts: https://markscreditcards.com/offeralerts 💳 Credit Card Offers: https://markscreditcards.com/offers 🛍️ Rakuten - Earn Cash Back: https://markscreditcards.com/rakuten 📱 MaxRewards - Manage your cards | Promo Code = markr | https://markscreditcards.com/maxrewards 🏦 SoFi Checking & Savings (Get Up To $325): https://markscreditcards.com/sofibanking 📊 Webull - Get Free Stocks: https://markscreditcards.com/webull CHAPTERS 00:00 - Intro 00:34 - Hack 1 3:03 - Hack 2 (Cheap Flight Tool A) 5:10 - Hack 3 (Cheap Flight Tool B) 6:14 - Hack 4 (Cheap Flight Tool C) 8:34 - Hack 5 (Cheap Flight Tool D) 9:39 - Hack 6 13:43 - Hack 7 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #flightdeals #cheapflights #travelsavings 2025-02-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343109/delta-sky-club-access-2025-how-anyone-can-get-in https://gamma.videonest.org/343109_thumbnail_resized_v2.webp https://gamma.videonest.org/343109_video_v3_converted.mp4 Delta Sky Club Access 2025 (How ANYONE Can Get In) Ever wondered how to access the Delta Sky Club? There are 4 main ways to get in and I’ll show you all of them, including the BIG CHANGES that took place. Click “Show More” to see Ad Disclosure. Big Delta Sky Club changes occurred both in 2024 and 2025 in an effort to limit lounge overcrowding. These changes included who can purchase Sky Club memberships (only Delta Medallion elites), how many visits you get per year with select credit cards (the Amex Platinum Card gives you 10 visits per Medallion year and the Delta SkyMiles Reserve Card gives you 15 visits per Medallion year), and the type of ticket you buy (Delta basic economy is no longer allowed). Learn more about how to access Delta Sky Clubs in this video! ✈️ DELTA SKY CLUB ACCESS & POLICIES: https://www.delta.com/us/en/delta-sky-club/access 00:00 - Intro 00:44 - The Big Rule 1:24 - Delta SkyMiles Reserve Card 3:41 - Amex Platinum Card 7:08 - Delta Sky Club Membership 9:05 - Premium Cabins 10:14 - Elite Status 📲 MAXREWARDS - Manage your cards! Promo Code = markr https://markscreditcards.com/maxrewards 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! https://markscreditcards.com/aura Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #deltaairlines #deltaairline #creditcards 2025-02-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343110/5-best-high-yield-savings-accounts-2025 https://gamma.videonest.org/343110_thumbnail_resized_v2.webp https://gamma.videonest.org/343110_video_v3_converted.mp4 5 Best High Yield Savings Accounts 2025 Stop leaving yourself vulnerable to data breaches. Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if any of your data has been exposed. Then learn about some of the best savings accounts of 2025! Click “Show More” to see Ad Disclosure. When it comes to choosing the best savings account, you’ll find that many of the large banks (like Chase, Bank of America, Wells Fargo, and others) offer abysmal interest rates. However, many of the online banks can offer significantly better interest rates in part because they don’t have the overhead expense of managing a physical branch network. Many also have no minimum deposit, no monthly maintenance fee, and no balance requirements. As I record this video in January 2025, a good APY starts at around 3.75% and goes up from there. Be sure to read the terms of course, since the ones with higher rates may have additional requirements. 🏦 SoFi Savings + Checking Accounts https://markscreditcards.com/sofibanking 🏦 Ally Savings Account https://markscreditcards.com/allysavings 🏦 Discover Savings Account https://markscreditcards.com/discoversavings 🏦 CIT Bank Savings Account https://markscreditcards.com/citbanksavings 🏦 Barclays Savings Account https://markscreditcards.com/barclayssavings 🏦 Amex Savings Account https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings-account/ 🏦 Wealthfront Cash Management Account https://www.wealthfront.com/cash 🏦 Capital One Savings Account https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/ 🏦 Marcus by Goldman Sachs Online Savings Account https://www.marcus.com/us/en/savings/high-yield-savings  🏦 Synchrony Savings Account https://www.synchrony.com/banking/products/high-yield-savings 🏦 Betterment Cash Reserve Account https://www.betterment.com/cash-reserve 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 📲 MAXREWARDS - Manage your cards! Promo Code = markr https://markscreditcards.com/maxrewards 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! https://markscreditcards.com/aura Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #bankaccounts #savingsaccount #highyieldsavings 2025-02-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343111/when-to-pay-your-credit-card-bill-to-increase-credit-score https://gamma.videonest.org/343111_thumbnail_resized_v2.webp https://gamma.videonest.org/343111_video_v3_converted.mp4 When to Pay Your Credit Card Bill to Increase Credit Score Want to know the best day to pay your credit card bill? This video will teach you 2 main methods so you can avoid interest and increase your credit score! Click “Show More” to see Ad Disclosure. 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 📲 MAXREWARDS - Manage your cards! Promo Code = markr https://markscreditcards.com/maxrewards 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! https://markscreditcards.com/aura 00:00 - Intro 00:33 - The Simple Method 3:20 - The Advanced Method 14:19 - The $0 Balance Scenario Your credit card bill (known as a credit card statement) has a lot of terms on it and understanding them is crucial to know when to pay your credit card bill. In short, there are 2 main methods to pay your credit card bill. 1. The Simple Method involves waiting to receive your statement and then paying the full New Balance on or before the Due Date. This will help you build credit, avoid interest, and get an on-time payment with ease. 2. The Advanced Method involves 2 payments. First, identify the Closing Date of your billing cycle (often the same day your statement is generated). Second, submit an early Payment (Payment 1) several days BEFORE that Closing Date. The purpose is to bring your current balance down to a level where it represents less than 10% of your credit limit. Third, wait to receive your statement, which will show the lower balance and the Due Date. Finally, submit your second payment (Payment 2) on or before the Due Date. Since your utilization is only reported once per month (often on your Closing Date), this method allows you to ensure a lower balance gets reported (and this helps increase your credit score). In the end, this will help you build credit, avoid interest, get an on-time payment, and increase your credit score faster and to higher levels. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #creditscore 2025-01-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343112/my-all-new-2025-credit-card-strategy-only-3-top-cards https://gamma.videonest.org/343112_thumbnail_resized_v2.webp https://gamma.videonest.org/343112_video_v3_converted.mp4 My ALL NEW 2025 Credit Card Strategy (Only 3 Top Cards) I’m revealing my credit card strategy for 2025, and it’s my first time trying it! Learn what my top 3 credit cards are, plus additional cards I add in for special situations. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage your cards! Promo Code = markr https://markscreditcards.com/maxrewards 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! For my best credit card strategy in 2025, you’ll find that my focus leans heavily on travel (a big change from recent years when I prioritized cash back). Travel credit cards, when used strategically, can yield much higher returns for the money you spend. Since I plan to take at least 2-3 trips this year, and perhaps more the following year, using the right credit cards to save money on travel will be a huge advantage. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2025-01-21T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343113/best-credit-cards-for-groceries-2025-1-will-surprise-you https://gamma.videonest.org/343113_thumbnail_resized_v2.webp https://gamma.videonest.org/343113_video_v3_converted.mp4 Best Credit Cards for Groceries 2025 (1 Will Surprise You…) Here 8 of the BEST credit cards for groceries, both for cash back and travel. Learn what they are to save money on groceries in 2025 and beyond! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage your cards! Promo Code = markr https://markscreditcards.com/maxrewards 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura Want to save money on groceries? One of the best ways to do so is with credit cards, choosing the right one the gives you at least 3% cash back or 3X points on your purchases. 00:00 - Introduction 1:47 - Card 1 2:56 - Card 2 4:04 - Card 3 6:57 - Card 4 8:06 - Card 5 9:16 - Card 6 10:26 - Card 7 11:43 - Card 8 Here are the cards we’ll talk about… The Citi Custom Cash gives you 5% cash back / 5X Citi ThankYou points on your Top Eligible Spend Category on up to $500 each billing cycle. One of those eligible categories is Grocery Stores, making this a fantastic credit card with no annual fee. The Amex Gold Card earns 4X Membership Rewards points on Groceries at U.S. Supermarkets on up to $25,000 per year. Amex points are among the best for travel (particularly for flights). Despite the $325 annual fee, it comes with a $120 Dining Credit and a $120 Uber Cash benefit. The Citi Premier Card earns 3X at Supermarkets, and its superpower is that the 3X category has no cap and is valid worldwide. The annual fee is $95. The Chase Sapphire Preferred only earns 3X Ultimate Rewards points on Online Groceries, meaning you’ll have to order online for in-store pickup or delivery. The annual fee is $95. The Amex Blue Cash Everyday earns 3% cash back at U.S. Supermarkets on up to $6,000 spent per year. It also has a $0 annual fee. The Amex Blue Cash Preferred earns 6% cash back at U.S. Supermarkets on up to $6,000 spent per year. It currently has a $0 annual fee in Year 1, then $95 each year thereafter. The Capital One Savor earns 3% cash back at Grocery Stores with no cap worldwide. It also has no annual fee. The AAA Daily Advantage Visa Signature is surprisingly good. It earns 5% cash back on grocery store purchases. You’ll earn the 5% along with another 3% (in other categories) on the first $10,000 in combined spend per year across both categories. There’s no annual fee. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #bestcreditcards #creditcard #creditcards 2025-01-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343114/best-travel-credit-cards-2025-you-need-at-least-1 https://gamma.videonest.org/343114_thumbnail_resized_v2.webp https://gamma.videonest.org/343114_video_v3_converted.mp4 Best Travel Credit Cards 2025 (You NEED At Least 1) Here are some of the BEST travel credit cards you can get right now to earn points FAST. Your next vacation could be a lot closer than you think! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura Travel credit cards are an excellent way to save money and earn rewards when you travel. In this video, we will discuss 5 of the best credit cards for travel right now. Most of our time will be spent on cards that earn flexible and/or transferrable points because they can be used for the widest variety redemptions. And since many travel credit cards categorize ‘travel’ differently, we’ll divide the video into different sections based on the best rewards for flights, hotels, rental cars, and a couple other more general categories. 00:00 - Introduction 00:30 - FLIGHTS 7:18 - HOTELS 10:56 - RENTAL CARS 13:23 - GENERAL TRAVEL 14:58 - OTHER TRAVEL Here are some of the cards we’ll talk about… The Amex Platinum Card is highly rewarding for flights, allowing you to earn 5X Amex Membership Rewards points when booking directly on the airline websites or via the Amex Travel portal (on up to $500K spent per year). The Chase Sapphire Reserve also earns 5X on flights - as well as 10X on hotels and rental cars - but only through the Chase Travel portal. Otherwise, the card earns 3X on general travel outside the portal and 3X on dining. The Capital One Venture X is perhaps the best premium travel credit card with minimal hassle. It earns 2X on all purchases as its base rate, as well as 10X on hotels and rental cars (via the Capital One Travel portal) and 5X on flights (via the same portal). Additional cards mentioned throughout the video include the Citi Custom Cash, Wells Fargo Autograph Journey, Citi Strata Premier, and more. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #bestcreditcards #creditcard #creditcards 2024-12-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343115/dont-cancel-a-credit-card-before-you-do-this https://gamma.videonest.org/343115_thumbnail_resized_v2.webp https://gamma.videonest.org/343115_video_v3_converted.mp4 Don’t Cancel a Credit Card BEFORE You Do THIS... Stop leaving yourself vulnerable to data breaches. Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if any of your data has been exposed. Then learn about the steps you should take before closing a credit card. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:44 - Step 1 3:39 - Step 2 4:17 - Step 3 5:20 - Step 4 8:58 - Step 5 12:00 - Step 6 12:53 - Step 7 14:15 - Step 8 Is closing a credit bad? Not necessarily but follow the steps outlined in this video before you decide to do so. Here are some of them below. First of all, make sure you pay off the full balance of your credit card prior to closing. The last thing you want is for an account to become delinquent, get reported, and hurt your credit score. From there, look at how much value you got from your credit card over the past year. If the value is more than the annual fee, then it could make sense to keep it. Consider product changes, too. This involves upgrading or downgrading your current credit card to a different one. Best of all, it keeps your account open, avoids a hard pull on your credit report, and keeps a lot of important things intact (like your payment history, account age, and credit line). You’ll also want to look up the point expiration policies. While cards like the Chase Sapphire Preferred, Chase Sapphire Reserve, Amex Platinum Card, and Amex Gold card are fantastic for frequent travelers, it’d be a sad day if you lost a bunch of Chase Ultimate Rewards or Amex Membership Rewards that could have given you a great trip somewhere. If you don’t have another card open that earns the same points, you’ll want to consider redeeming the points you have prior to closing the account. Additionally, ask for a retention offer. You don’t have to accept it, but it’s nice to know what offer you could get if you agree to keep the credit card open for another year. If you choose to move forward with closing your credit card, ask a representative if you can transfer your credit line to another card with the same bank (if you have one). Doing so can help with your overall credit utilization (i.e., keeping it lower), and that can benefit your credit score. Lastly, if you cancel your credit card that has an annual fee, ask if you can receive a prorated annual fee. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #travelcreditcards #creditcards 2024-12-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343116/replace-97percent-of-amex-cards-with-these-4-credit-cards https://gamma.videonest.org/343116_thumbnail_resized_v2.webp https://gamma.videonest.org/343116_video_v3_converted.mp4 Replace 97% of Amex Cards With These 4 Credit Cards Are Amex’s annual fees too high? These 4 credit cards can replace some of the most popular Amex credit cards in your wallet, costing you a lot less while still giving great rewards. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:35 - Amex Platinum Card 10:18 - Amex Gold Card 13:53 - Amex Green Card 16:30 - Amex Blue Business Plus Do you have the Amex Platinum Card? If so, you probably value Amex Membership Rewards points for travel as well as airport lounge access from Priority Pass, the Amex Centurion Lounge, the Delta Sky Club, and more. However, the annual fee is $695, which can be a steep price to pay. One great alternative is the Chase Sapphire Reserve. For a lower fee of $550, you still get some of the great travel benefits, including an arguably better rewards structure that earns Chase Ultimate Rewards points. Another alternative is the Capital One Venture X at $395 per year, earning Capital One Venture Miles. The Amex Gold Card is one of the best cards for food, both at restaurants and U.S. supermarkets. However, the Capital One Savor Card is nearly just as good and has a $0 annual fee (the Amex Gold Card is currently at $325). It has a bunch of 3% categories like dining, grocery stores, and entertainment, and you can even convert your cash back into Venture Miles if you have an eligible card to pair it with (including the Capital One VentureOne, Venture, or Venture X cards). The Amex Green Card ($150) can be easily replaced with the Wells Fargo Autograph card ($0). Many of the 3X reward categories overlap, and now that Wells Fargo launched its own transfer partner program, the decision is easier than ever. Finally, the Amex Blue Business Plus ($0) can be replaced with virtually any 2% cash back card, especially those that earn points that can be used for either cash back or travel. Examples include the Citi Double Cash card (earning Citi ThankYou points) and the Wells Fargo Active Cash card (earning cash back but convertible to points if you pair it with the likes of the Wells Fargo Autograph or Autograph Journey). Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amex #americanexpress #creditcard #creditcards 2024-12-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343117/the-1-best-time-to-apply-for-amex-credit-cards https://gamma.videonest.org/343117_thumbnail_resized_v2.webp https://gamma.videonest.org/343117_video_v3_converted.mp4 The #1 BEST TIME to Apply for Amex Credit Cards Stop leaving yourself vulnerable to data breaches. Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if any of your data has been exposed. Then learn when the best time is to apply for an American Express credit card! Click “Show More” to see Ad Disclosure. 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 1:37 - Amex Platinum Card 6:42 - Amex Gold Card 11:22 - Amex Green Card 14:44 - Marriott Bonvoy Brilliant Card 17:04 - Hilton Honors Aspire Card Ever wondered when the BEST TIME is to apply for the Amex Platinum Card, Amex Gold Card, or other popular Amex credit cards? One of the best things you can do is to know the offer history, so you know what to look for. What I mean is knowing when the biggest welcome offers occurred in the past and being able to tell them apart from the standard offers and the low offers. That way when a big offer comes around, you’ll be able to recognize it and take advantage of it by applying before it’s too late. Historically, we’ve seen Amex Platinum 125K offers, Amex Platinum 150K offers, and Amex Platinum 175K offers. We’ve also seen Amex Gold 75K offers, Amex Gold 90K offers, and Amex Gold 100K offers. All of these may have different spend requirements to earn those points. Since all these cards earn Amex Membership Rewards points, that makes them highly desirable for travel. And since the offer you get can vary, you’ll want to make sure you get one that’s worthwhile. I’ll also include a few other popular Amex cards so you can see when the good offers have come and gone over the past few years. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #americanexpress #amex 2024-11-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343118/this-1-priority-pass-trick-changes-everything https://gamma.videonest.org/343118_thumbnail_resized_v2.webp https://gamma.videonest.org/343118_video_v3_converted.mp4 This 1 Priority Pass TRICK Changes EVERYTHING Learn EXACTLY which Priority Pass lounges you can get into with this 1 simple trick. I’ll also show you how to tell them apart if you have multiple Priority Pass memberships. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura Do you have multiple Priority Pass memberships? Do you ever wonder which lounges you can access? If so, you’ve come to the right video. Your level of access can vary based on how you got your Priority Pass membership. For example, all of the following can be different: - Amex Platinum Priority Pass - Chase Sapphire Reserve Priority Pass - Bank of America Premium Rewards Elite Priority Pass - Priority Pass membership purchased directly from the Priority Pass website You might be able to access only Priority Pass lounges; or lounges plus retail locations; or lounges, retail and spas. To help clear all this up, I’ll show you: 1. THE TRICK to find out EXACTLY which Priority Pass lounges you can get into 2. A newer partnership that Priority Pass has 3. A strange quirk about the Priority Pass Account tab after you log in 4. A little-known way to identify your physical Priority Pass membership cards Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #prioritypass #airportlounge 2024-11-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343119/chase-sapphire-preferred-real-world-review-or-how-to-use-every-benefit https://gamma.videonest.org/343119_thumbnail_resized_v2.webp https://gamma.videonest.org/343119_video_v3_converted.mp4 Chase Sapphire Preferred: REAL WORLD REVIEW | How to Use Every Benefit Watch me test the main benefits of the Chase Sapphire Preferred in the REAL WORLD, including the $50 Hotel Credit, 3X Rewards on Online Groceries and more! I’ll teach you step-by-step how they work so you can maximize the value of your Chase Sapphire Preferred easily. Click “Show More” to see Ad Disclosure. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 1:12 - Rewards Multipliers 6:22 - $50 Hotel Credit 10:41 - 25% More On Travel 12:52 - 10% Anniversary Bonus 14:59 - Transfer Partners 16:50 - DoorDash 21:07 - Lyft 21:49 - Peloton 22:33 - Ennismore 24:17 - Visa Signature Luxury Hotel Collection On August 10, 2021, the Chase Sapphire Preferred card was updated with new benefits without increasing the $95 annual fee. Those new benefits went into effect a week later on August 16, 2024. But do these changes make the Sapphire Preferred worth it? To find out, I decided to use the new and enhanced benefits in this Chase Sapphire Preferred Real World Review. Of course, some people will value the new benefits while others will not, but for the right people, the value is there. The new and enhanced Chase Sapphire Preferred benefits were: 1. Earn 5X Chase Ultimate Rewards points on Chase Travel (i.e., travel purchases booked via the Chase Travel portal) 2. Earn 3X Chase Ultimate Rewards points on dining, including eligible delivery services, takeout and dining out. This was previously a 2X earn rate. 3. Earn 3X Chase Ultimate Rewards points on Online Grocery Purchases, excluding Target, Walmart, and Wholesale Clubs. This is a totally new category. 4. $50 Annual Credit on Hotel Stays booked via the Chase Travel portal. 5. 10% Anniversary Bonus. Earn bonus points equal to 10% of your total purchases made in the prior card anniversary year. Example: $10,000 of spend gives a bonus of 1,000 Chase Ultimate Rewards points. 5. New Card Design (still metal, too). 🔗 Chase Rewards Categories FAQ | What Counts for Travel, Streaming, Online Grocery & more https://www.chase.com/personal/credit-cards/rewards-category-faq 📝 PRESS RELEASE: https://media.chase.com/news/chase-reveals-new-benefits Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #travelcreditcards #creditcards 2024-11-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343120/amex-vs-chase-vs-capital-one-the-battle-of-the-travel-portals https://gamma.videonest.org/343120_thumbnail_resized_v2.webp https://gamma.videonest.org/343120_video_v3_converted.mp4 Amex vs Chase vs Capital One: The BATTLE of the Travel Portals! Which travel credit card gives YOU the BEST prices on travel via their portals? The Amex Platinum Card, the Chase Sapphire Reserve, or the Capital One Venture X? Find out NOW! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 1:49 - Flight 1 (LAX to MIA) 3:54 - Flight 2 (ATL to CDG) 6:01 - Flight 3 (ORD to LAS) 10:20 - Flight 4 (JFK to MLE) 12:39 - Flight 5 (SFO to OGG) 16:11 - Hotel 1 (Canada) 18:06 - Hotel 2 (Switzerland) 20:15 - Hotel 3 (U.K.) 22:02 - Hotel 4 (Cancun) 24:34 - Hotel 5 (Bora Bora) The Amex Travel Portal … the Chase Travel portal … the Capital One Travel portal … the list goes on! But which is BEST? Well, there are many features we could compare, but for the purposes of this video, we’ll look at prices. Many premium travel credit cards give you greater rewards (like 5X points instead of 2X) on select travel purchases when you book your trip via the bank portal. Some of these cards include the Capital One Venture X, the Chase Sapphire Reserve, and the Amex Platinum Card. However, if the travel portal price is higher than booking directly with the airline or hotel website (or even another 3rd party travel portal like Expedia), then the additional rewards might not be worth it. So, let’s compare American Express vs. Chase vs. Capital One (and I’ll also include a few others, too)! Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #travelcreditcards #creditcards 2024-10-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343121/capital-one-venture-x-lounge-access-full-beginners-guide https://gamma.videonest.org/343121_thumbnail_resized_v2.webp https://gamma.videonest.org/343121_video_v3_converted.mp4 Capital One Venture X LOUNGE ACCESS (Full Beginner's Guide) Install Airalo today so you can stay connected wherever you travel and use my code MARKR3 to get $3 USD off your first eSIM: https://try.airalo.com/MarkReese. Then, learn how to use the Capital One Venture X card to get into Capital One Lounges, Plaza Premium Lounges, and Priority Pass Lounges around the world! Click “Show More” to see Ad Disclosure. 🚨 GET CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 💥👇 VIEW CAPITAL ONE VENTURE X OFFER! https://markscreditcards.com/venturex 💳🥇 MARK’S TOP CREDIT CARDS! https://markscreditcards.com/topcards 💳👇 FIND YOUR NEXT CARD! https://markscreditcards.com/cardexplorer 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🌎📍 AIRALO - eSIMs to Stay Connected https://markscreditcards.com/airalo 🌐 MELIO - Pay Invoices by Card http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS - Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA - Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:57 - Capital One Lounges 9:43 - Plaza Premium Lounges 12:48 - Priority Pass Lounges The Capital One Venture X is one of the best credit cards for lounge access, getting you into 3 separate networks, including: Capital One Lounges, Plaza Premium Lounges, and Priority Pass Lounges. Adding all of those up, we get a total well over 1,000 airport lounges around the world that you can use! This video will teach you not only HOW to get into these airport lounges, but also HOW TO ACTIVATE Priority Pass, the guest policies, WHERE TO FIND eligible lounges, and more. It’ll also give you a quick video tour of 3 lounges so you can know what to expect before you next trip! 🔗 HELPFUL LINKS: 🔹 Capital One Venture X Priority Pass Activation https://prioritypass.com/capitalone 🔹 Capital One Venture X Lounges (Search Locations, incl. Plaza Premium and Priority Pass) https://capitalonetravel.com/airport-lounges 🔹 13 BEST Capital One Venture X Benefits (Ultimate Guide) https://www.youtube.com/watch?v=giTBkdWax_U Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #airalo #eSIM @airalocom 2024-10-23T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343122/13-best-capital-one-venture-x-benefits-ultimate-guide https://gamma.videonest.org/343122_thumbnail_resized_v2.webp https://gamma.videonest.org/343122_video_v3_converted.mp4 13 BEST Capital One Venture X Benefits (Ultimate Guide) Stop leaving yourself vulnerable to data breaches. Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if any of your data has been exposed. Then learn how to get the MOST out of the Capital One Venture X benefits! Click “Show More” to see Ad Disclosure. 💥👇 VIEW CAPITAL ONE VENTURE X OFFER! https://markscreditcards.com/venturex 🚨 CREDIT CARD OFFER ALERTS! https://markscreditcards.com/offeralerts 💳👇 VIEW OTHER CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:49 - BENEFIT 1 - Reward Multipliers 3:16 - BENEFIT 2 - $300 Travel Credit 5:55 - BENEFIT 3 - 10,000 Mile Anniversary Bonus 6:52 - BENEFIT 4 - Airport Lounge Access 10:50 - BENEFIT 5 - Transfer Partners 12:38 - BENEFIT 6 - Travel Benefits 13:16 - Price Prediction 13:50 - Price Freeze 14:38 - Price Watch 15:07 - Flight Disruption Assistance 15:41 - Cancel for Any Reason Insurance 16:31 - Price Match Guarantee 16:59 - BENEFIT 7 - Global Entry / TSA PreCheck Credit 17:49 - BENEFIT 8 - Hertz President’s Circle 18:27 - BENEFIT 9 - Visa Infinite Benefits 19:35 - BENEFIT 10 - Lifestyle & Premier Collections 20:35 - BENEFIT 11 - Capital One Dining & Entertainment 21:29 - BENEFIT 12 - Insurance Protections 22:16 - BENEFIT 13 - Other Benefits The Capital One Venture X card has some fantastic benefits. In fact, I’d even call it one of the best travel credit cards available right now. For that reason, it’s time to learn how to make the most of it! Here are a few of my favorite benefits (the rest will be covered in the video): Capital One Venture X $300 Travel Credit This is valid on travel purchases via the Capital One Travel portal and includes flights, hotels, rental cars, and other purchases you can make via the portal. Unlike when the card first launched, you now apply the $300 Travel Credit at booking towards your reservation. It expires every account anniversary year, and you do not earn miles when the credit is used. No enrollment is required. Capital One Venture X Anniversary Bonus (10,000 Miles) Receive 10,000 bonus miles after each account anniversary, starting in Year 2. Automatically added to your reward balance. Capital One Venture X Lounge Access You receive access to 3 airport lounge networks, including Capital One Lounges, Plaza Premium Lounges, and Priority Pass Lounges (does not include Priority Pass restaurants, spas, or other retail locations). 🔗 HELPFUL LINKS 🔵 Capital One Travel Portal: https://capitalonetravel.com 🔵 Capital One Venture X Lounge Locations (search): capitalonetravel.com/airport-lounges 🔵 Capital One Venture X Priority Pass (enroll / activate): https://prioritypass.com/capitalone 🔵 Global Entry / TSA PreCheck (enroll): https://ttp.dhs.gov 🔵 Visa Infinite Luxury Hotel Collection: https://www.visainfinitehotels.com/authenticate/card 🔵 Capital One Venture X Hertz President’s Circle Status (enroll): https://pub.emails.hertz.com/Capital-One 🔵 Capital One Venture X Avis Rent A Car Benefits: https://www.avis.com/en/association/S107100 🔵 Capital One Venture X National Emerald Club Executive Status: https://legacy.nationalcar.com/en_US/car-rental/partners/partner-details/affinity/5030764-visa-infinite.html 🔵 Visa Infinite Benefits: https://usa.visa.com/pay-with-visa/cards/visa-credit-cards/visa-infinite-credit-cards.html 🔵 Capital One Venture X Guide to Benefits | Capital One Venture X Insurance Protections (Visa Infinite Protections) https://www.capitalone.com/credit-cards/benefits-guide/ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitalone #creditcard #creditcards 2024-10-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343123/5-best-business-credit-cards-for-new-business-startups-and-beginners https://gamma.videonest.org/343123_thumbnail_resized_v2.webp https://gamma.videonest.org/343123_video_v3_converted.mp4 5 Best Business Credit Cards for New Business, Startups & Beginners Pay invoices & bills by credit card! Go to https://go.melio.com/mark-reese to make your first payment! Here are my Top 5 Picks for the best business credit cards for beginners, startups, and new businesses. Click “Show More” to see Ad Disclosure. 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🚨📲GET TRANSFER BONUS NOTIFICATIONS! https://markscreditcards.com/transferbonusalerts 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 0:40 - Card 1 5:48 - Card 2 9:58 - Card 3 14:15 - Card 4 16:44 - Card 5 Let’s talk about business credit cards. While there are many to choose from, if you’re just starting out with a new business / new LLC, then there are some credit cards that you should consider. I narrowed them all down to my Top 5 Picks so you can more easily choose one to get started. They’re ALL credit cards with no annual fee, strong rewards, and are relatively easy to get approved for if you have great credit. Unfortunately, credit score requirements are not published by the banks. But most will pull your personal credit report, so be sure to get your score as high as you can. We’ll look at one Bank of America credit card that allows you to select a 3% cash back category of your choice each month. We’ll then discuss a couple Chase credit cards, specifically, Chase Ink Business credit cards. The first will award you 1.5% cash back on all purchases with no cap, which is great to use for all expenses that would normally earn only 1% on other cards. The second has several specific categories that earn 5% and 2%. The good news is that they both have no annual fee and earn the same type of rewards (Chase Ultimate Rewards points) so you can combine them all together. Plus, if you also add a premium card on the business side (Chase Ink Business Preferred) or the personal side (Chase Sapphire Preferred or Chase Sapphire Reserve), then all your points can get a 25% - 50% boost in value when redeemed for travel via the Chase Travel portal…AND you can access Chase Transfer Partners! Finally, we’ll wrap up with 2 American Express credit cards that are EXCELLENT for new businesses. One earns Amex Membership Rewards points, which are best used for travel (specifically, flights). The other earns cash back, which is automatically redeemed each month as a statement credit Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #smallbusiness #businesscredit #smallbusinessowner 2024-10-01T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343124/9-chase-credit-card-rules-everyone-should-learn-once-and-for-all https://gamma.videonest.org/343124_thumbnail_resized_v2.webp https://gamma.videonest.org/343124_video_v3_converted.mp4 9 Chase Credit Card Rules EVERYONE Should Learn Once And For ALL Are you applying for a Chase credit card? WATCH THIS first to learn the application rules so you can increase your chances of getting approved! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🚨📲GET TRANSFER BONUS NOTIFICATIONS! https://markscreditcards.com/transferbonusalerts 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 0:43 - Chase 5/24 Rule 5:56 - Current Cardmember Rule (ver. 1.0) 6:58 - Current Cardmember Rule (ver. 2.0) 9:04 - Chase 24-Month Rule 10:26 - WARNING 12:04 - Chase 48-Month Rule 13:20 - Chase 2/30 Rule 14:17- Chase 1/30 Rule 15:19 - Maximum # of Cards 15:53 - Credit Score Requirements 16:53 - Credit Pulls (Hard Inquiry vs. Soft Inquiry) 17:23 - Chase Reconsideration Line Chase credit cards are FANTASTIC, but there are some application rules you MUST be aware of if your goal is to maximize the amount of points, miles, and cash back you earn. That’s because without understanding rules like the Chase 5/24 Rule, Chase 24 Month Rule, and the Chase 2/30 Rule, you might end up getting denials more often that you’d like. So, we’re going to discuss the main Chase Credit Card Application Rules in this video one by one so you can put yourself in a better position to get approved. Whether your goal is to earn more Chase Ultimate Rewards points, hotels points, airline miles, or cash back, this video can help you make it happen more often. Pro Tip: It can make a lot of sense to prioritize Chase credit cards that earn Chase Ultimate Rewards points first, since those rewards are the most flexible and therefore tend to be the most valuable. Examples of these credit cards include the Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Freedom Flex, and Chase Freedom Unlimited. That said, a good exception is when there’s an airline credit card or hotel credit card with a very large signup bonus. If you have plans to use those types of program-specific rewards, then a signup bonus is usually the fastest way to earn those rewards. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcard #creditcardrewards 2024-09-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343125/outdated-huge-changes-to-southwest-airlines-what-you-must-know-in-2024-2025-and-2026 https://gamma.videonest.org/343125_thumbnail_resized_v2.webp https://gamma.videonest.org/343125_video_v3_converted.mp4 [Outdated] HUGE CHANGES to Southwest Airlines (What You MUST Know in 2024, 2025, & 2026) Here’s EVERYTHING you must know about Southwest Airline’s BIG CHANGES, including: Assigned Seating, Premium Seating, Boarding Process, Checked Bags, and MORE! Click “Show More” to see Ad Disclosure. 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🚨📲GET TRANSFER BONUS NOTIFICATIONS! https://markscreditcards.com/transferbonusalerts 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📲 PAY INVOICES BY CARD WITH MELIO! http://markscreditcards.com/melio 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 📝 PRESS RELEASE: Southwest Unveils Its “Southwest Even Better.” Transformational Plan at Investor Day https://www.prnewswire.com/news-releases/southwest-airlines-unveils-its-southwest-even-better-transformational-plan-at-investor-day-302259816.html 📝 THE POINTS GUY 1: Southwest Airlines to launch assigned seats in 2026, will partner with international airlines https://thepointsguy.com/news/southwest-airlines-assigned-seats-investor-day/ 📝 THE POINTS GUY 2: Here's how Southwest Airlines' new seating and boarding process will work https://thepointsguy.com/news/southwest-airlines-new-seating-boarding-policy/ 📝 SOUTHWEST INVESTOR DAY 2024 PRESENTATION https://www.southwestairlinesinvestorrelations.com/news-and-events/events-and-presentations/event-26-09-2024 00:00 - Intro 00:55 - Assigned Seating 2:48 - Seat Pricing (Extra Legroom, Preferred, Premium) 7:12 - New Cabins 8:16 - Boarding Process 9:09 - International Partnerships 10:08 - Rapid Rewards Changes (A-List, A-List Preferred) 10:57 - Southwest Credit Cards 11:28 - Southwest Free Checked Bags 11:40 - New Product: Getaways by Southwest 12:00 - Redeye Flights 🗣️ The following is quoted from the Southwest Airlines Investor Day 2024 press release: "Assigned Seating: Southwest will broaden its consumer appeal and boost demand through an assigned seating model. Airline passengers now have a clear preference for seat assignments: 80 percent of Southwest Customers and 86 percent of passengers who choose other airlines want assigned seats. Southwest flies farther than ever, and seat assignments are a higher priority on long-haul flights. The Company expects to begin selling assigned seats in the second half of 2025, with its first flights operating with the new model in the first half of 2026. Premium Seating: Market research shows that the preference for an assigned seat with extra legroom offers broad appeal for both business and leisure travelers. Southwest will offer extra legroom options with up to five additional inches of pitch for approximately a third of its seats while maintaining a standard economy seat pitch among the best in the industry. New seating product options will drive demand and are expected to generate more revenue per passenger. Southwest Boarding with Upgrades: Southwest will evolve its boarding process with seat assignments while focusing on operational efficiency and improving the Customer Experience. The updated boarding process will maintain Southwest's unique and popular approach in boarding through position numbers and signage displayed on stanchions within the gate area. The carrier's most loyal Customers and those who purchase premium seating will continue to be among the first to board. Bags Continue to Fly Free: Extensive research reinforces Southwest's bags fly free® policy1 remains the most important feature by far in setting Southwest apart from other airlines. Based on Southwest's research, the Company believes that any change in the current policy that provides every Customer two free checked bags1 would drive down demand and far outweigh any revenue gains created by imposing and collecting bag fees." Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #southwestairlines #airlinereview #bestairlines 2024-09-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343126/a-controversial-credit-card-video https://gamma.videonest.org/343126_thumbnail_resized_v2.webp https://gamma.videonest.org/343126_video_v3_converted.mp4 A controversial credit card video... Do you believe these 9 “truths” about credit cards? If so, it’s time to ask yourself WHY as I show you a whole new way to think about the credit card game. Buckle up…it’s going to be quite a ride! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🚨📲GET TRANSFER BONUS NOTIFICATIONS! https://markscreditcards.com/transferbonusalerts 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:35 - Controversial Topic 1 2:01 - Controversial Topic 2 5:23 - Controversial Topic 3 9:35 - Controversial Topic 4 13:01 - Controversial Topic 5 15:19 - Controversial Topic 6 18:31 - Controversial Topic 7 20:36 - Controversial Topic 8 21:41 - Controversial Topic 9 When it comes to credit cards, people come to believe a lot of false ideas. For example, point value (i.e., “cents per point”) does not have to matter. It’s ok to redeem credit card points to go on an incredible trip that will make an awesome memory, even if the redemption isn’t “maximized.” Even worse, if you’re hoarding points year after year with no plan in mind, those points are constantly losing value. So that trip costing 150,000 points today might cost 200,000 points (or more) in the not-too-distant future. In other words, as you continue to delay your redemption, you’ll always be chasing after a trip that costs more and more. If you’re intro travel credit cards (like the Amex Platinum Card and Amex Gold Card that earn Amex Membership Rewards points … or the Chase Sapphire Preferred and Chase Sapphire Reserve that earn Chase Ultimate Rewards points), make sure you understand the 9 beliefs / myths / lies covered in this video so you can win in a bigger way going forward. The credit card rewards game can be extremely rewarding once you learn how to play it to your advantage. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcard #bestcreditcards 2024-09-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343127/i-cant-believe-thisnew-1-credit-card-for-everyday-use-us-bank-smartly-visa-signature-card https://gamma.videonest.org/343127_thumbnail_resized_v2.webp https://gamma.videonest.org/343127_video_v3_converted.mp4 I Can’t Believe This…New #1 Credit Card for Everyday Use?! (U.S. Bank Smartly Visa Signature Card) 🔐 Stop data brokers from exposing your personal information. Go to my sponsor: https://aura.com/markreese to get a 14-day free trial and see how much of yours is being sold. Then learn about the upcoming U.S. Bank Smartly Visa Signature Card! 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🚨📲GET TRANSFER BONUS NOTIFICATIONS! https://markscreditcards.com/transferbonusalerts 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura U.S. Bank is about to launch the all-new Smartly Visa Signature Card. It promises to earn up to 4% cash back on every purchase. The way it works is you’ll earn 2% on everything as standard. Then, you’ll earn up to an additional 2% based on having a U.S. Bank Smartly Savings account along with your qualifying balances in U.S. Bank deposit, trust, or investment accounts. 💥👉 Learn more here (and join the waitlist): https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html 🏦 Also be aware of U.S. Bank’s fees for self-directed investment accounts here: https://www.usbank.com/investing/online-investing/self-directed-investing/brokerage-fees.html Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcard #cashback 2024-09-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343128/7-hacks-to-earn-amex-points-so-fast-youll-freak-out https://gamma.videonest.org/343128_thumbnail_resized_v2.webp https://gamma.videonest.org/343128_video_v3_converted.mp4 7 Hacks to Earn Amex Points SO FAST, You’ll Freak Out. Here are 7 ways to earn Amex points FAST with little to no effort! Apply them to your credit card strategy to make that next vacation happen a lot sooner! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🚨📲GET TRANSFER BONUS NOTIFICATIONS! https://markscreditcards.com/transferbonusalerts 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:26 - Hack 1 4:29 - Hack 2 6:22 - Hack 3 9:29 - Hack 4 10:32 - Hack 5 11:38 - Hack 6 13:25 - Hack 7 Are you tired of earning points slowly, or never having enough for your vacation? It's time to upgrade your Amex Membership Rewards strategy! In this video, we'll dive deep into 7 hacks to earn Amex points faster than you ever thought possible. These hacks will involve using Amex credit cards, partnerships, and other opportunities and promotions that you may not have been aware of. A part of this does revolve around having a strong credit card setup, though. So, make sure you find the right credit cards for your spending habits. The Amex Platinum Card, Amex Gold Card, and Amex Green Card are 3 excellent options to consider. From there, this video will help you accelerate your earning potential…FAST! Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2024-08-31T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343129/1-business-checking-account-for-small-businesses-relay-review https://gamma.videonest.org/343129_thumbnail_resized_v2.webp https://gamma.videonest.org/343129_video_v3_converted.mp4 #1 Business Checking Account for Small Businesses? (Relay Review) NO account fees, NO minimum balance requirements, the ability to make your own debit cards, and more! That’s Relay Financial. Sign up today at https://bankwith.relayfi.com/markreese/ Click “Show More” to see Ad Disclosure. 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🚨📲GET TRANSFER BONUS NOTIFICATIONS! https://markscreditcards.com/transferbonusalerts 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura Relay Financial is a business banking and money management platform that helps small businesses understand what they’re earning, spending, and saving. That way, business owners can make more informed decisions about their money and how to best use it. Here are 5 things I really like about the platform: 1. Perform online banking with NO account fees, NO overdraft fees, and NO minimum balance required. That way, you can keep more of what you earn. 2. Organize your expenses and cash reserves with up to 20 individual accounts – all of which can be given a nickname - so you know exactly what they’re for. 3. Issue up to 50 virtual or physical Visa® debit cards to easily organize your spending by team, project, or purpose. 4. Set up cashflow automations. That way you can automatically put money aside for taxes, payroll, expenses, or anything else without thinking about it. 5. Give secure, role-based banking access to your team members so you don’t have to do it all yourself. There’s an entirely free version (standard Relay) and then there’s the upgraded version (Relay Pro), which gives you everything in the standard version, plus accounts payable, faster ACH transfers, and free wire payments. Learn more about the differences and see which is the best fit for you here: https://relayfi.com/pricing Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank, Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #businessbanking #smallbusiness #smallbusinesowner 2024-08-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343130/amex-gold-card-real-world-review-or-how-to-use-every-benefit https://gamma.videonest.org/343130_thumbnail_resized_v2.webp https://gamma.videonest.org/343130_video_v3_converted.mp4 Amex Gold Card: REAL WORLD REVIEW | How to Use Every Benefit Watch me test the main benefits of the Amex Gold Card in the REAL WORLD, including the new $84 Dunkin’ Credit, $100 Resy Credit, and more! I’ll teach you step-by-step how they work so you can maximize the value of your Amex Gold Card easily. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🚨📲GET TRANSFER BONUS NOTIFICATIONS! https://markscreditcards.com/transferbonusalerts 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 📝 PRESS RELEASE: American Express Updates U.S. Consumer Gold Card with New Benefits and Limited-Edition White Gold Card Design https://www.americanexpress.com/en-us/newsroom/articles/products-and-services/american-express--updates-u-s--consumer-gold-card-with-new-benef.html 🎬 NEXT VIDEO 1: Amex White Gold Card Unboxing (Disappointing?!) https://youtu.be/zGn9BM1Z6Rw 🎬 NEXT VIDEO 2: BIG CHANGES: The NEW Amex Gold Card (Everything You NEED to Know!) https://youtu.be/To_HG5-dVzU 00:00 - Intro 00:33 - How to Activate Your Benefits 1:29 - $100 Resy Credit 4:27 - $84 Dunkin’ Credit 8:04 - $120 Dining Credit 9:39 - $120 Uber Cash Benefit 11:44 - Amex The Hotel Collection 18:40 - Amex Offers On July 25, 2024, the American Express Gold Card was updated with new benefits and an increased annual fee, going from $250 to $325. Do these changes make the Amex Gold Card worth it? To find out, I decided to use the new and enhanced benefits in this Amex Gold Card Real World Review. Of course, some people will value the new benefits while others will not, but for the right people, the value is there. The new and enhanced Amex Gold Card benefits are: 1. New $100 Resy Credit: Get up to $100 in annual statement credits ($50 every 6 months) after using an enrolled Amex Gold Card on eligible purchases made at eligible U.S. Resy restaurants, Resy.com, and in the mobile Resy app. 2. New $84 Dunkin’ Credit: Get up to $84 per year (issued as $7/mo.) in statement credits after using an enrolled Amex Gold Card to pay directly at Dunkin’ locations. 3. Revised $120 Dining Credit: American Express added Five Guys as a new dining partner to this credit. Both Shake Shack and Milk Bar will be removed as of September 26, 2024. 4. “Hundreds of New Hotels in Top Destinations: The Hotel Collection, one of American Express Travel’s signature hotel programs, has expanded to over 1,000 properties globally, including more than 300 new properties added to the program this year in 50 new top destinations Card Members want to visit, like Tuscany, Italy; Moab, Utah; and Sapporo, Japan. When travelers book two or more nights at these hotels through American Express Travel, they are eligible to receive a room upgrade upon arrival, noon check-in, and late check-out, which are all subject to availability. These benefits are in addition to a complimentary credit valued at $100 to use towards eligible charges, which may include food and beverage, spa, or other on-property charges.” The other Amex Gold Card benefits remain largely unchanged, including the $120 Uber Cash benefit, access to Amex Offers, no foreign transaction fees, and the rewards structure that earns in the following ways: - 4X Restaurants Worldwide, including takeout and delivery in the U.S. (Note: This is now capped at up to $50,000 in purchases per year) - 4X U.S. Supermarkets (up to $25,000 in purchases per year) - 3X Flights (booked directly or via Amex Travel) - 2X Prepaid Hotels, Car Rentals, and Cruises (via Amex Travel) - 1X Other Purchases Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2024-08-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343131/new-1-best-priority-pass-credit-card-bank-of-america-premium-rewards-elite-or-full-review https://gamma.videonest.org/343131_thumbnail_resized_v2.webp https://gamma.videonest.org/343131_video_v3_converted.mp4 New #1 BEST Priority Pass Credit Card?! Bank of America Premium Rewards Elite | Full Review 🔐 Stop data brokers from exposing your personal information. Go to my sponsor: https://aura.com/markreese to get a 14-day free trial and see how much of yours is being sold. Then learn about the NEW BEST Priority Pass Credit Card! Click “Show More” to see Ad Disclosure. 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🚨📲GET TRANSFER BONUS NOTIFICATIONS! https://markscreditcards.com/transferbonusalerts 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:45 - PRIORITY PASS PART 1 2:45 - Warning 2:55 - Welcome Offer 3:30 - Earn Points 5:45 - Redeem Points 9:30 - PRIORITY PASS PART 2 13:44 - Main Benefits 23:07 - Travel Protections 23:27 - Retail Protections 23:52 - Worth It? The Bank of America Premium Rewards Elite credit card is quite unique. The rewards structure isn’t great on its own, earning 2X on Travel and Dining and 1.5X on Other Purchases. While these multipliers can be increased if you’re also in the Bank of America Preferred Rewards program, the balance requirements for that program are quite high for most people, especially since you’ll need to be at the Platinum Tier or higher for the gains to be worthwhile. However, the more I dug into the details of this card, the more I realized how powerful it can be for the benefits (especially airport lounge access via a Priority Pass membership). This is important because recently, cards like the Amex Platinum Card, Chase Sapphire Reserve, Capital One Venture X, and others have had their Priority Pass membership access cut, meaning they no longer allow access to Priority Pass restaurants or the spa / other retail locations (i.e., they’re ‘lounge only’ cards). However, the Bank of America Premium Rewards Elite STILL gives you access to ALL of Priority Pass as of the filming of this video. Plus, you can issue a total of 4 memberships WITHOUT needing to adding additional people as authorized users on your credit card account (I’m not aware of any other premium travel credit card that allows for this). Watch the video to learn about all the premium benefits of the card. 👇 Plus, here are some really helpful links... 🔗 TRAVEL & RETAIL INSURANCE PROTECTIONS (Guide to Benefits) https://myvisainfinite.com/content/dam/vppPremium/premiumrewardselite/gtb/PremiumRewardsElite_GTB.pdf 🔗 ENROLLMENT LINKS 1. BOA Premium Rewards Elite “Secret” Visa Infinite Portal (ALL BENEFITS, incl. Priority Pass Select) https://myvisainfinite.com/premiumrewardselite 2. Priority Pass Select (Direct) https://www.prioritypass.com/premiumrewardselite 3. Rental Car Benefits - Avis: https://www.avis.com/en/association/N877300 - National: https://legacy.nationalcar.com/en_US/car-rental/partners/partner-details/affinity/5030849-visa-infinite.html - Hertz: https://www.hertz.com/rentacar/hertzlink/index.jsp?targetPage=visa_infinite.jsp 4. Relais & Châteaux https://www.relaischateaux.com/us/osp/visa 5. Visa Infinite Luxury Hotel Collection https://www.visainfinitehotels.com/authenticate/card 6. Troon® https://troongolfrewards.com/verify/visa-infinite?locale=us Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #prioritypass #bankofamerica #airportlounge #creditcards 2024-08-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343132/amex-white-gold-card-unboxing-disappointing https://gamma.videonest.org/343132_thumbnail_resized_v2.webp https://gamma.videonest.org/343132_video_v3_converted.mp4 Amex White Gold Card Unboxing (Disappointing?!) I got the NEW Amex White Gold Card! Here’s what it looks like compared to the regular Amex Gold Card, Amex Rose Gold Card, and the Amex Platinum Card. What do you think? Click “Show More” to see Ad Disclosure. 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🚨📲GET TRANSFER BONUS NOTIFICATIONS! https://markscreditcards.com/transferbonusalerts 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🎬 NEXT VIDEO… BIG CHANGES: The NEW Amex Gold Card (Everything You NEED to Know!) https://youtu.be/To_HG5-dVzU Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amex #americanexpress #creditcards 2024-08-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343133/i-opened-53-credit-cardsand-this-happened https://gamma.videonest.org/343133_thumbnail_resized_v2.webp https://gamma.videonest.org/343133_video_v3_converted.mp4 I Opened 53 Credit Cards…And THIS happened I have 53 credit cards…yeah…IT’S CRAZY! Watch what happened to my credit score, what my total credit limits are, and why I have so many cards. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 – Intro 1:06 – Amex Credit Cards 6:51 – Chase Credit Cards 11:49 – Citi Credit Cards 14:00 – Capital One Credit Cards 15:32 – Wells Fargo Credit Cards 16:32 – Bank of America Credit Cards 17:12 – U.S. Bank Credit Cards 18:46 – Discover Credit Cards 19:42 – Barclays Credit Cards 21:05 – Goldman Sachs Apple Card 21:31 – PNC Credit Cards 21:57 – Summary Over the past 10+ years, I applied for A LOT of credit cards. Last I counted, I ended up opening 84 credit cards, of which 53 remained open around the time of making this video. This is a brief walkthrough of those 53 cards, detailing a bit about why I got them. They span from American Express credit cards, Chase credit cards, Capital One credit cards, and many more. Each card has its own set of benefits, rewards, and reasons to apply, and sometimes I even have duplicate cards. None of this is me advocating that others ought to do the same. Rather, as a credit card channel, a large part of what I do is review and compare credit cards against each other and discuss various reward programs to educate people. Perhaps the biggest reason for my expertise is first-hand experience with a lot of the card products. So, most of what you see can be viewed from a business perspective and not an example of what a typical consumer should do. Enjoy! Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2024-07-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343134/big-changes-the-new-amex-gold-card-everything-you-need-to-know https://gamma.videonest.org/343134_thumbnail_resized_v2.webp https://gamma.videonest.org/343134_video_v3_converted.mp4 BIG CHANGES: The NEW Amex Gold Card (Everything You NEED to Know!) American Express OVERHAULED the Amex Gold Card with new benefits, an all-new White Gold Card design, and higher annual fee. Is it right for you? Find out all the details! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🎬 VIDEO: Beginner’s Guide to Transfer Partners for BIG VALUE (Amex, Chase, Citi, Capital One Credit Cards) https://www.youtube.com/watch?v=ae1WayyrwnE& 📝 ARTICLE – CNBC – Big changes to the American Express Gold Card: New benefits and a higher annual fee https://www.cnbc.com/select/american-express-gold-card-overhaul/ 📝 ARTICLE – CNN Underscored – The Amex Gold Card gets a makeover: Are new Dunkin’ and Resy credits and a white gold design worth the $75 annual fee increase? https://www.cnn.com/cnn-underscored/money/amex-gold-welcome-bonus 📝 ARTICLE – Forbes Advisor – Updates To The American Express Gold Card – What You Need To Know https://www.forbes.com/advisor/credit-cards/updates-to-the-american-express-gold-card/ One of the best credit cards for dining / restaurants is the American Express Gold Card, and it just got a MAJOR update today (July 25, 2024). Here’s a brief outline of what you need to know… The Amex Gold Card’s annual fee was increased from $250 to $325 (see rates and fees) for new cardholders. For existing Amex Gold cardholders, the new fee takes effect with renewal dates on or after October 01, 2024. See Rates & Fees: https://www.americanexpress.com/us/credit-cards/card-application/apply/supplementary/terms/gold-card/36182-9-0 With the annual fee hike some 2 all-new credits: 1. Earn up to $84 in Dunkin’ credit each year (up to $7 back per month, enrollment required). 2. Earn up to $100 in Resy credit each year (up to $50 twice per year, Jan-Jun and Jul-Dec) for dining at U.S. Resy restaurants and other eligible Resy purchases (Enrollment required). The other credits / benefits are either slightly changed or remain unchanged: 3. $120 Uber Cash: No change to this benefit 4. $120 Dining Credit (up to $10 per month, enrollment required) at select partner locations. Milk Bar and Shake Shack are being removed on Sep. 26, 2024 and Five Guys is being added (it’s already live). Other changes… - The 4X Membership Rewards points on Dining is now capped at $50,000 per year - New Amex White Gold design option 🎬 VIDEO: Beginner’s Guide to Transfer Partners for BIG VALUE (Amex, Chase, Citi, Capital One Credit Cards) https://www.youtube.com/watch?v=ae1WayyrwnE& Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amex #americanexpress #creditcards 2024-07-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343135/watch-me-apply-chase-ink-preferred-120k-not-what-i-expected https://gamma.videonest.org/343135_thumbnail_resized_v2.webp https://gamma.videonest.org/343135_video_v3_converted.mp4 WATCH ME APPLY: Chase Ink Preferred 120K (Not What I Expected…) Stop data brokers from exposing your personal information. Go to my sponsor: https://aura.com/markreese to get a 14-day free trial and see how much of yours is being sold. Then watch me fill out the application for the Chase Ink Preferred 120K offer! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers (^ Find 120K Offer under 'Business Credit Cards' section) 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer   🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura It happened…the Chase Ink Business Preferred has its highest welcome offer of ALL TIME (so far) to earn 120K Chase Ultimate Rewards points after spending $8,000 in the first 3 months. This could be worth $1,200 cash back or $1,500 towards travel when booked via the Chase Travel portal. Based on my current credit report, I didn’t think I had any chance at getting an approval (details revealed toward the end of the video, including my credit score, number of inquiries, and more). I’m well over the Chase 5/24 Rule, but it seems like Chase may allow some approvals on select cards to go through despite that, especially when an elevated signup bonus is being featured for a limited time. There’s no guarantee of this, and in fact, approvals still seem to be outliers, but there may be some chance. So, I decided to go for it! Watch me fill out the credit card application step by step so you can see what is required. This is one of the best credit card signup bonuses of all time, so if you’re in a situation where the spend requirement makes sense for you, consider applying yourself before the offer expires. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #businesscredit #creditcard #creditcards 2024-07-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343136/rumor-amex-gold-card-is-changing-or-amex-white-gold-card https://gamma.videonest.org/343136_thumbnail_resized_v2.webp https://gamma.videonest.org/343136_video_v3_converted.mp4 [RUMOR] Amex Gold Card is CHANGING | Amex WHITE GOLD Card The Amex Gold Card is rumored to be getting a BIG UPDATE! Take a look at the Amex WHITE GOLD Card option, the new benefits, and annual fee increase to see if it’s worth it for you! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura Here are the RUMORED Amex Gold Card changes coming in 2024… 1. The annual fee is increasing FROM $250 TO $325 (i.e. an increase of $75) 2. The welcome offer at card relaunch will be to earn 60,000 Amex Membership Rewards points after meeting a spend requirement, plus 20% back on restaurants, likely as statement credits, up to $100. 3. You’ll be able to choose an Amex WHITE GOLD CARD for a limited time / while supplies last. 4. NEW CREDIT 1: $84 Dunkin Donuts credit, issued as $7/mo. 5. NEW CREDIT 2: $100 Resy credit, issued as $50 semiannually. 6. The 4X Restaurants category will be limited to $50,000/yr. of spend, then 1X beyond that until it refreshes the following year. 7. Both Milk Bar and Shake Shack will be removed as partners for the $120 Dining Credit. Five Guys will be added. 8. The $120 Uber Cash benefit ($10/mo.) will remain unchanged Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amex #americanexpress #creditcards 2024-07-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343137/how-to-get-fast-business-funding-in-3-days-or-less-or-no-credit-check-or-revenued-business-card https://gamma.videonest.org/343137_thumbnail_resized_v2.webp https://gamma.videonest.org/343137_video_v3_converted.mp4 How to Get FAST Business Funding in 3 Days (or Less!) | No Credit Check | Revenued Business Card Learn more about Revenued: https://markscreditcards.com/revenued to see how you can get approved with no credit check or even a bad credit score! Click “Show More” to see Ad Disclosure. 💥👇 REVENUED BUSINESS CARD! https://markscreditcards.com/revenued 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura Revenued is a revenue-based financing platform that helps business owners get the capital they need. There’s no hard pull in order to apply because getting approved is based on your business revenue. Credit lines up to $250,000 are possible! THE PRODUCT There are 2 parts to this: a. Flex Line: An unsecured open line of credit. Borrow funds up to your approved limit. Then pay back over time out of your sales revenue. b. Business Card: Physical card to use for purchases. It’s NOT a traditional credit card or loan. Rather, it accesses your Flex Line. QUALIFICATIONS Eligible businesses will have: - At least 1 year in business - A separate business bank account with $20,000+ in monthly deposits. - A legal structure other than sole proprietorship. - Headquarters in the U.S. ANNUAL FEE = $0 WORTH IT? Yes if you… - Have strong / healthy business revenue. - Need access to working capital quickly & easily (examples: equipment purchase, renovation project, scaling a new / existing vertical, emergency, etc.) - Want capital without affecting your credit score. - Prefer to make repayments out of your future sales rather than taking out a loan or using other methods. - Can’t get approved for (or don’t want) a traditional business credit card or loan. Have a bad FICO® score (or no score at all). No if you… - Don’t meet the Qualification criteria. - Don’t have strong / healthy business revenue (incl. if your business is in a sales slump). - Have good credit & don’t mind going through a credit card or loan qualification process. - Can qualify for other financial products at a lower cost that still meet your needs. - Want an everyday credit card for travel / cash back rewards and benefits. Disclosure 1: The Revenued Business Card Visa® Commercial Card is powered by Marqeta. Revenued's service provides for the purchase of future receivables and is not a credit card or a loan and is provided solely by Revenued, not Sutton Bank. Disclosure 2: This video is sponsored by Revenued. The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #businesscredit #creditcard #creditcards 2024-07-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343138/record-breaking-chase-ink-preferred-120k-bonus-offer-do-not-miss-this https://gamma.videonest.org/343138_thumbnail_resized_v2.webp https://gamma.videonest.org/343138_video_v3_converted.mp4 RECORD BREAKING: Chase Ink Preferred 120K Bonus Offer! (DO NOT miss this!) The BEST EVER 120,000-Point Offer on the Chase Ink Business Preferred has launched for a limited time (so get it while it lasts)! This can put $1,200 cash back in your pocket or $1,500+ towards travel for your next vacation! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers (^ Find 120K Offer under 'Business Credit Cards' section) 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🎬 VIDEO 1: Beginner’s Guide to Transfer Partners for BIG VALUE https://www.youtube.com/watch?v=ae1WayyrwnE 🎬 VIDEO 2: #1 Trick to Get Business Credit Cards WITHOUT a Business https://www.youtube.com/watch?v=u9qE-mVShvo The Chase Ink Business Preferred has its HIGHEST OFFER IN HISTORY! You can now earn 120K Chase Ultimate Rewards points after spending $8K in the first 3 months. The value of these points is $1,200 for cash back or $1,500+ towards travel via the Chase Travel portal. Fortunately, you don’t need a standard “business” to qualify. That is, there’s no requirement to have an LLC, partnership, or corporation. You can apply as an individual (i.e. as a sole proprietorship) and use your SSN instead of an EIN. As long as you have a side hustle / make money outside of a 9-5 job, then you may be eligible to apply for a business credit card (including the Chase Ink Business Preferred)! The Chase Ink Preferred also earns points in the following categories: - 5X Lyft (thru March 2025) - 3X Travel* - 3X Advertising* (Social media sites, Search engines) - 3X Internet, Cable, Phone* - 3X Shipping* - 1X Other Purchases *Up to $150K in combined purchases per cardmember year in 3X categories, then 1X. The annual fee is $95. Chase Ultimate Rewards points are worth 1.7¢ each (on average) when redeemed via Chase Transfer Partners, 1.25¢ each via the Chase Ultimate Rewards portal or via the Chase Pay Yourself Back feature, and 1.0¢ each as cash back (i.e. statement credit or deposit to a checking account or savings account). CHASE TRANSFER PARTNERS Airlines - Aer Lingus AerClub - Air Canada Aeroplan - British Airways Executive Club - Air France-KLM Flying Blue - Emirates Skywards - Iberia Plus - JetBlue TrueBlue - Singapore Airlines KrisFlyer - Southwest Airlines Rapid Rewards - United MileagePlus - Virgin Atlantic Flying Club Hotels - IHG One Rewards - Marriott Bonvoy - World of Hyatt MAIN BENEFITS You can add employee cards at no additional cost, get access to some business expense reporting tools, and the card has no foreign transaction fees. IS THE CHASE INK PREFERRED WORTH IT? - Likely YES if you want a super strong signup bonus, spend in the 3X rewards categories, and value points that are good for cash back and great for travel. It can also make sense if you want excellent insurance protections and have other Chase credit cards that earn Ultimate Rewards points. Examples include the Chase Sapphire Preferred and Chase Sapphire Reserve, plus the Chase Freedom Flex and Chase Freedom Unlimited, all of which are on the personal side. There’s also the Chase Ink Unlimited and Chase Ink Cash. All of these Chase credit cards earn the same type of points (Ultimate Rewards points) and can be pooled together! - Likely NO if you don’t value the 3X categories, don’t like credit cards with annual fees, or are over the Chase 5/24 Rule. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com and YourBestCreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #businesscredit 2024-07-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343139/these-9-mistakes-will-make-you-hate-amex-a-warning-to-everyone https://gamma.videonest.org/343139_thumbnail_resized_v2.webp https://gamma.videonest.org/343139_video_v3_converted.mp4 These 9 Mistakes Will Make You HATE Amex (A Warning to Everyone) Here are 9 HUGE MISTAKES beginners make with American Express credit cards. Learn what they are so you can avoid them for maximum value long term. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🎬 VIDEO: How to Get 100% APPROVED for Amex Credit Cards (Amex Credit Card Application Rules 2024): https://www.youtube.com/watch?v=G3ksdsf3PN0 🎬 VIDEO: Beginner’s Guide to Transfer Partners for BIG VALUE (Amex, Chase, Citi, Capital One Credit Cards): https://www.youtube.com/watch?v=ae1WayyrwnE 00:00 – Intro 00:39 – Mistake #1 2:52 – Mistake #2 5:30 – Mistake #3 8:44 – Mistake #4 11:22 – Mistake #5 13:16 – Mistake #6 15:53 – Mistake #7 18:27 – Mistake #8 19:58 – Mistake #9 American Express credit cards are incredible…for the RIGHT people. They offer cash back credit cards (like the Amex Blue Cash Everyday and Amex Blue Cash Preferred), hotel credit cards (like the Marriott Bonvoy Brilliant, Hilton Honors Surpass, and Hilton Honors Aspire), airline credit cards (like the Delta SkyMiles Gold, Delta SkyMiles Platinum, and Delta SkyMiles Reserve), as well as their own non-cobranded cards (these are the ones that earn Amex Membership Rewards points and include the Amex Green Card, Amex Gold Card, and Amex Platinum Card). However, American Express is also one of the stricter card issuers due to the fact that they have a lot of rules you need to be aware of. Not knowing these rules can severely hinder your ability to get maximum value from Amex credit cards, especially if you’re a beginner. So, let’s go over them now! First, don’t cancel or downgrade Amex cards before 1 year has passed (you could face major penalties if you do). Second, don’t use the Amex Check Spending Power feature too often (especially if you want to avoid an Amex financial review). Third, don’t neglect Amex Offers (or else you could miss out on saving hundreds – or thousands – of dollars). Fourth, don’t open or close Amex cards too often (this could prevent you from earning welcome offers from time to time, aka Amex Pop Up Jail). Fifth, don’t get Amex cards in the wrong order (failing to do so could mean making yourself ineligible for Amex welcome offers on certain cards, potentially for life). Sixth, realize that redeeming Amex Membership Rewards points for anything other than select travel will often mean losing a TON of value). Seventh, understand that Amex doesn’t currently offer a credit card that earns 1.5X – 2X points on all purchases on the personal side (this might mean losing out on a lot of value if you have a lot of annual spend that falls outside of regular categories like restaurants, travel, supermarkets, etc.) Eighth, be aware that a lot of Amex cards take effort to justify (by this I mean they have high annual fees requiring you to use certain benefits and statement credits to earn back that fee throughout the year). Ninth, be aware that Amex may give different offers to different people. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amex #americanexpress #creditcard #creditcards #creditcardrewards 2024-07-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343140/i-ditched-amex-and-chase-for-the-citi-trifecta-9-reasons-why https://gamma.videonest.org/343140_thumbnail_resized_v2.webp https://gamma.videonest.org/343140_video_v3_converted.mp4 I Ditched Amex & Chase for the Citi Trifecta (9 Reasons Why) I ABANDONED the Amex Trifecta and Chase Trifecta in favor of the Citi Trifecta! Here are 9 reasons why to help you decide if you should do the same. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🎬 VIDEO: Beginner’s Guide to Transfer Partners for BIG VALUE (Amex, Chase, Citi, Capital One Credit Cards) https://www.youtube.com/watch?v=ae1WayyrwnE 🔗 Citi Strata Premier Guide to Benefits: https://snamwpm.eccmp.com/wpm/617/ContentUploads/docs/GTB_CRE131.pdf 00:00 – Intro 00:14 – Reason 1 3:22 – Reason 2 3:54 – Reason 3 7:54 – Reason 4 9:00 – Reason 5 10:24 – Reason 6 11:13 – Reason 7 11:50 – Reason 8 12:42 – Reason 9 The Citi Trifecta consists of the Citi Strata Premier, Citi Custom Cash, and Citi Double Cash. You can even add a 4th credit card (the Citi Rewards+) to make for the Citi Quadfecta! And may I just say, this setup is INCREDIBLE! Not only is the all-in cost just $95 for all annual fees, but all of these credit cards earn Citi ThankYou points. That means you can combine them all for maximum value. You can earn in several 10X and 5X rewards categories, and then get access to all of the Citi transfer partners for some incredible international flight redemptions. One of the standout features is the Citi Custom Cash card, which allows you to earn 5X points in YOUR top spend category each billing cycle. That level of flexibility is fantastic, because you’ll automatically earn those 5X points in whichever area (from a select list of eligible categories) ended up having the greatest amount of spend, up to $500 per billing cycle. Many other similar credit cards (like the Chase Freedom Flex and Discover it Cash Back credit card) require you to earn 5% cash back or 5X points according to a calendar the bank sets, up to $1,500 per quarter. That said, I like how Citi ThankYou points also give you a good, flat-rate value for cash back and travel (1 point = $0.01) and the potential for higher value when maximized via transfer partners (1 point = $0.017 as an average figure). As great as the Chase Trifecta (including the Chase Sapphire Preferred, Chase Freedom Flex, and Chase Freedom Unlimited) and Amex Trifecta (typically the Amex Platinum Card, Amex Gold Card, and Amex Blue Business Plus) can be, I’ve found the simplicity, low cost, flexibility, and strong value of the Citi Trifecta to be a great fit for me right now. Now it’s a waiting game to see if Citi releases a new, premium travel credit card as their flagship card product with airport lounge access and other VIP benefits (perhaps the Citi Strata Elite??). We’ll have to see! Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcard 2024-06-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343141/amex-platinum-retention-offer-2024-get-yours-now https://gamma.videonest.org/343141_thumbnail_resized_v2.webp https://gamma.videonest.org/343141_video_v3_converted.mp4 Amex Platinum Retention Offer 2024 (Get Yours NOW!) Go get YOUR Amex Platinum Card retention in 2024! I’ll teach you EXACTLY what to say so you can get more value out of your card. But are you eligible? Find out now! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Platinum level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 – Intro 00:31 – Amex Platinum Card 1 3:54 – Amex Platinum Card 2 9:11 – Amex Platinum Card 3 and 4 12:08 – Summary 14:05 – Takeaways How to Get a Retention Offer on Your Amex Platinum Card Today I’m diving into the world of credit card retention offers, specifically focusing on the American Express Platinum Card. If you're considering whether to keep or cancel your Amex Platinum Card, this video is for you. Retention offers are incentives provided by credit card issuers to encourage you to keep your card open and pay the annual fee for another year. These retention offers can come in the form of bonus points, statement credits, or even a reduction or waiver of the annual fee. They may also have a spend requirement to earn them. One of the biggest benefits of credit card retention offers is that they can enhance the overall value you get from your card without any negative impact on your credit score. Unlike applying for a new credit card, requesting a retention offer doesn't involve a hard inquiry on your credit report. They also don’t require opening a new card account. This means you can explore these opportunities without worrying about a drop in your credit score. I’ll also guide you step-by-step on how to request a retention offer from American Express. You'll learn how to contact customer service and what to say during your conversation. By the end of this video, you'll be equipped with all the knowledge and confidence you need to secure a valuable retention offer on your Amex Platinum Card (and other credit cards, too)! Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #americanexpress #amex 2024-06-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343142/intense-citi-strata-premier-vs-wells-fargo-autograph-vs-amex-green-card https://gamma.videonest.org/343142_thumbnail_resized_v2.webp https://gamma.videonest.org/343142_video_v3_converted.mp4 INTENSE! Citi Strata Premier vs Wells Fargo Autograph vs Amex Green Card Stop data brokers from exposing your personal information. Go to my sponsor: https://aura.com/markreese to get a 14-day free trial and see how much of yours is being sold. Then learn the differences between 3 VERY similar travel credit cards! Click “Show More” to see Ad Disclosure. 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🛍 RAKUTEN - Earn MORE Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🚨👉 GET TRANSFER BONUS NOTIFICATIONS! https://markscreditcards.com/transferbonusalerts 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🔗 Citi Strata Premier - Guide to Benefits: https://snamwpm.eccmp.com/wpm/617/ContentUploads/docs/GTB_CRE131.pdf 🔗 Wells Fargo Autograph - Guide to Benefits: https://www.wellsfargo.com/credit-cards/autograph-visa/guide-to-benefits/ 🔗 Amex Green Card - Guide to Benefits: https://www.americanexpress.com/us/credit-cards/card-application/apply/supplementary/terms/american-express-green-card/36182-9-0 00:00 – Intro 00:33 – Welcome Offers and Annual Fees 2:14 – Earn Points 4:16 – Redeem Points 7:25 – Main Benefits 10:19 – Transfer Partners (Airline) 11:26 – Transfer Partners (Hotel) 12:20 – Insurance Protections (Travel) 13:27 – Insurance Protections (Retail) 13:53 – Final Score 14:30 – Which One to Get The Citi Strata Premier, Wells Fargo Autograph, and Amex Green card are 3 travel credit cards that, when looked at from a high level, are VERY similar, especially with their rewards structure. Each one has a handful of 3X point categories that may cover things like travel, transit, restaurants, and more. However, Citi ThankYou points, Amex Membership Rewards points, and Wells Fargo Rewards points can all have different values based on how you use them. And now, all 3 cards have transfer partners! Learn about the differences between each credit card’s signup bonus, reward earning rates, rewards redemption rates, main benefits, and more. That way you’ll have a better understanding about which credit card may be right for you. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #americanexpress 2024-06-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343143/6-ways-cash-back-credit-cards-kill-travel-credit-cards https://gamma.videonest.org/343143_thumbnail_resized_v2.webp https://gamma.videonest.org/343143_video_v3_converted.mp4 6 Ways Cash Back Credit Cards KILL Travel Credit Cards! 💸 Get $10 from TopCashback after spending $25: https://markscreditcards.com/topcashback. Then, learn the 6 ways how Cash Back credit cards can be BETTER than Travel credit cards! Click “Show More” to see Ad Disclosure. 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 💸 TOPCASHBACK - Earn MORE Cash Back! https://markscreditcards.com/topcashback 🛍 RAKUTEN - Earn MORE Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🚨👉 GET TRANSFER BONUS NOTIFICATIONS! https://markscreditcards.com/transferbonusalerts 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 – Intro 00:19 – Reason 1 1:44 – Reason 2 6:39 – Reason 3 8:35 – Reason 4 11:45 – Reason5 14:45 – Reason 6 There are cash back credit cards. And there are travel credit cards. But which are BEST? Well, that answer will vary from one person to another based on what you value, how often you travel, and the type of travel you do. That said, this video will focus on the 6 ways cash back credit cards are BETTER than travel credit cards for the right people. Cash back credit cards are known for their simplicity, straightforward redemptions, often high rewards categories, and many that have no annual fees. Some of the best cash back credit cards that you may want to consider include the following: - Chase Freedom Flex - Chase Freedom Unlimited - Amazon Prime Visa - Amex Blue Cash Everyday - Capital One SavorOne - Citi Custom Cash - Citi Double Cash - Discover it Cash Back - Wells Fargo Autograph - (and many others, too!) Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #cashback 2024-06-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343144/amex-gold-retention-offer-2024-get-yours-now https://gamma.videonest.org/343144_thumbnail_resized_v2.webp https://gamma.videonest.org/343144_video_v3_converted.mp4 Amex Gold Retention Offer 2024 (Get Yours NOW!) Go get YOUR Amex Gold Card retention in 2024! I’ll teach you EXACTLY what to say so you can get more value out of your card. But are you eligible? Find out now! Click “Show More” to see Ad Disclosure. 📲👇GET TRANSFER BONUS NOTIFICATIONS! https://markscreditcards.com/transferbonusalerts 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura How to Get a Retention Offer on Your Amex Gold Card Today I’m diving into the world of credit card retention offers, specifically focusing on the American Express Gold Card. If you're considering whether to keep or cancel your Amex Gold Card, this video is for you. Retention offers are incentives provided by credit card issuers to encourage you to keep your card open and pay the annual fee for another year. These retention offers can come in the form of bonus points, statement credits, or even a reduction or waiver of the annual fee. They may also have a spend requirement to earn them. One of the biggest benefits of credit card retention offers is that they can enhance the overall value you get from your card without any negative impact on your credit score. Unlike applying for a new credit card, requesting a retention offer doesn't involve a hard inquiry on your credit report. They also don’t require opening a new card account. This means you can explore these opportunities without worrying about a drop in your credit score. I’ll also guide you step-by-step on how to request a retention offer from American Express. You'll learn how to contact customer service and what to say during your conversation. By the end of this video, you'll be equipped with all the knowledge and confidence you need to secure a valuable retention offer on your Amex Gold Card (and other credit cards, too)! Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #americanexpress #amex 2024-06-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343145/new-chase-sapphire-preferred-vs-citi-strata-premier-which-should-you-get https://gamma.videonest.org/343145_thumbnail_resized_v2.webp https://gamma.videonest.org/343145_video_v3_converted.mp4 NEW: Chase Sapphire Preferred vs Citi Strata Premier (Which Should YOU Get?) Find out the BIG differences between the Chase Sapphire Preferred vs. Citi Strata Premier so you can make the right decision about which one to get! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura It’s time for a head-to-head comparison of 2 very popular travel credit cards: the Chase Sapphire Preferred and the Citi Strata Premier. Both credit cards offer excellent rewards and benefits, but there are some crucial differences to be aware of, including the annual fees, reward structures, redemption options, benefits, and more. Fortunately, both cards earn transferrable points, which offer incredible flexibility. The Chase Sapphire Preferred earns Chase Ultimate Rewards points while the Citi Strata Premier earns Citi ThankYou points. Additionally, both cards work well with other cards by the same issuer that also earn the same type of points. One example is using the Chase Sapphire Preferred along with the Chase Freedom Unlimited and Chase Freedom Flex to combine all your points together. On the Citi side, you could use the Strata Premier along with the Citi Custom Cash and Citi Double Cash. And of course, serious travelers will likely want to consider getting BOTH of these credit cards! 🔗 World Elite Mastercard Partner Benefits: https://www.mastercard.us/en-us/personal/find-a-card/world-elite-mastercard-credit.html 🔗 Chase Sapphire Preferred Guide to Benefits (Insurance Protections): https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC10979_SapphirePreferred_VisaSignature.pdf 🔗 Citi Strata Premier Guide to Benefits (Insurance Protections): https://snamwpm.eccmp.com/wpm/617/ContentUploads/docs/GTB_CRE131.pdf Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2024-05-31T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343146/the-citi-strata-premier-totally-surprised-me-full-review https://gamma.videonest.org/343146_thumbnail_resized_v2.webp https://gamma.videonest.org/343146_video_v3_converted.mp4 The Citi Strata Premier TOTALLY Surprised Me (Full Review) Stop data brokers from exposing your personal information. Go to my sponsor: https://aura.com/markreese to get a 14-day free trial and see how much of yours is being sold. Then, check out this full review of the Citi Strata Premier Card to see if it's worth having in your wallet. Click “Show More” to see Ad Disclosure. 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 📝 CNBC Article - Citi Strata Premier Card replaces Citi Premier: Enjoy travel insurance and other new benefits: https://www.cnbc.com/select/citi-launches-new-strata-premier-card/ As of May 12, 2024, Citibank launched the Citi Strata Premier Card, a replacement to the older Citi Premier Card. While much of the card is the same (making this more of a rebrand / revamp rather than a new credit card launch) it does sport a new design, higher welcome offer, new permanent rewards categories, and insurance protections. Fortunately, the annual fee remains the same! Looking broadly at the card, it’s a direct competitor to the likes of the Chase Sapphire Preferred, Amex Gold Card, Amex Green Card, Wells Fargo Autograph Card, and others. These are all mid-tier travel credit cards that offer a sweet spot of rewards and basic benefits and a comparatively low annual fee. Welcome offer (May 2024) Earn 75,000 Citi ThankYou points after spending $4,000 in the first 3 months, valued at $750 towards cash back, gift cards, and travel via the Citi Travel portal. You can potentially get even higher value via Citi transfer partners when used strategically. Annual Fee = $95 Rewards Structure 10X Hotels (CitiTravel.com) 10X Car Rentals (CitiTravel.com) 10X Attractions (CitiTravel.com) 3X Air Travel 3X Other Hotels 3X Restaurants 3X Supermarkets 3X Gas Stations & EV Charging Stations 1X Other Purchases Citi Transfer Partners | AIRLINES Aeromexico Club Premier Air France KLM Flying Blue Avianca LifeMiles Cathay Pacific Asia Miles Emirates Skywards Etihad Airways – Etihad Guest EVA Air Infinity MileageLands JetBlue TrueBlue Qantas Frequent Flyer Qatar Airways Privilege Club Singapore Airlines KrisFlyer Thai Royal Orchid Plus Turkish Airlines Miles&Smiles Virgin Atlantic Flying Club Citi Transfer Partners | HOTELS ALL (Accor Live Limitless) Choice Privileges The Leading Hotels of the World – Leaders Club Wyndham Rewards Main Benefits - $100 Annual Hotel Benefit - No Foreign Transaction Fees - Citi Entertainment - Authorized Users = $0 Insurance Protections - Trip Delay Protection - Common Carrier Trip Cancellation and Trip Interruption Insurance - Lost or Damaged Luggage Protection - MasterRental Coverage (rental car insurance) - Damage and Theft Protection - Extended Warranty 🔗 Citi Strata Premier Guide to Benefits: https://snamwpm.eccmp.com/wpm/617/ContentUploads/docs/GTB_CRE131.pdf Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #citibank 2024-05-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343147/6-popular-credit-cards-id-never-apply-for https://gamma.videonest.org/343147_thumbnail_resized_v2.webp https://gamma.videonest.org/343147_video_v3_converted.mp4 6 Popular Credit Cards I’d NEVER Apply For! Here are 6 credit cards I’d NEVER apply for if I wanted to earn the best rewards for travel or cash back. Learn the reasons why so you can avoid these (and similar ones) too. Click “Show More” to see Ad Disclosure. 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 – Intro 00:23 – Card 1 1:55 – Card 2 4:47 – Card 3 7:00 – Card 4 9:12 – Card 5 11:24 – Card 6 We all know how tempting those flashy credit card advertisements can be, but not all that glitters is gold. In this video, I'll be discussing 6 popular credit cards that I personally would never apply for going forward, and I'll explain why they fall short. From limited rewards to uncompetitive rates, let's break down the details. 1. Amex Cash Magnet Card The Amex Cash Magnet Card might seem appealing with its $0 annual fee, but it offers only a flat 1.5% cashback on all purchases. While this is straightforward, simple, and better than nothing, other cards offer higher cashback rates (like 2% cash back on all purchases) or additional perks that make them more worthwhile. 2. Amex EveryDay Credit Card The Amex EveryDay Credit Card is marketed for its unique points-earning potential, but the rewards rate is underwhelming. You get 2x points on Groceries at U.S. supermarkets (up to $6,000 annually, then 1x beyond that) and 1x points on other purchases. With many other cards offering higher points in more categories, this card doesn't offer the best return for your spending. And if you want to earn cash back, then you should avoid American Express credit cards that earn Membership Rewards points as those are much better for travel. 3. The Majority of All Store Credit Cards Store credit cards often lure customers with high initial discounts and special financing offers, especially upfront on a one-time basis. However, their high APR and limited rewards structure confined to a single retailer make them less appealing for long-term use. You can find better rewards cards that offer more flexibility and better rates. Think about it: would you rather earn rewards redeemable at a single / limited location, or rewards that can be used for a lot of things? 4. Mastercard Gold Card The Mastercard Gold Card comes with a hefty annual fee (currently $995!) but doesn’t deliver value for the cost. The rewards are modest, and the redemption options aren’t anything special. Plus, the flashy gold design and metal construction isn’t enough to justify the exorbitant fee compared to other premium cards offering more comprehensive benefits. 5. Premier Credit Card The Premier Credit Card is another example where the cons outweigh the pros. It has a high APR, limited rewards, very few perks, and has TONS of fees! For those looking to build credit or earn rewards, there are much better options available that offer more benefits without the high cost. For example, consider getting a secured credit card if you want to build or rebuild credit. 6. Disney Premier Visa Card Unless you’re a frequent visitor to Disney parks, other travel or cashback cards will offer better rewards and flexibility. I’m rarely a fan of credit cards that earn rewards in a store-specific currency. In this case, this card earns Disney Rewards Dollars that are only good for Disney merchandise and flights. Choosing the right credit card can significantly impact your financial health and lifestyle. While these six cards are popular among some people, they don't offer the best value or flexibility compared to other options on the market. Always do your research and consider what benefits align best with your spending habits and financial goals. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #credit 2024-05-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343148/urgent-the-end-of-traditional-credit-cards-is-coming https://gamma.videonest.org/343148_thumbnail_resized_v2.webp https://gamma.videonest.org/343148_video_v3_converted.mp4 URGENT: The End of Traditional Credit Cards is Coming… Credit cards will NEVER be the same if Visa does THIS! Are you (and your wallet) ready for the future of credit cards? Learn all the details here! Click “Show More” to see Ad Disclosure. 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🔗 HELPFUL LINKS 1. AP NEWS - Changes from Visa mean Americans will carry fewer physical credit, debit cards in their wallets: https://apnews.com/article/visa-mastercard-payment-technology-fintech-applepay-15ce9d99661e9894571471786229dd47 2. VISA PRESS RELEASE - Visa Reinvents the Card, Unveils New Products for Digital Age: https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.20686.html 3. VISA FLEXIBLE CREDENTIAL: https://usa.visa.com/visa-everywhere/blog/bdp/2024/05/14/one-card-to-1715696707658.html 4. THE END OF SWIPE AND TYPE: https://usa.visa.com/visa-everywhere/blog/bdp/2024/05/14/the-end-of-1715697387003.html 5. VISA PAYMENT PASSKEY: https://usa.visa.com/visa-everywhere/blog/bdp/2024/05/14/the-key-to-1715698035525.html 6. VISA PAY BY BANK / VISA OPEN BANKING: https://usa.visa.com/partner-with-us/info-for-partners/open-banking.html Visa announced on May 15, 2024 that major changes to how credit and debit cards will operate in the U.S. in the coming months and years are on their way. The new features could mean Americans will be carrying fewer physical cards in their wallets, and will make the 16-digit credit or debit card number printed on every card increasingly irrelevant. They will be some of the biggest changes to how payments operate in the U.S. since the U.S. rolled out chip-embedded cards several years ago. They also come as Americans have many more options to pay for purchases beyond “credit or debit,” including buy now, pay later companies, peer-to-peer payment options, paying directly with a bank, or digital payment systems like Apple Pay. The biggest change coming for Americans will be the ability for banks to issue one physical payment card that will be connected to multiple bank accounts. That means no more carrying, for example, a Bank of America or Chase debit card as well as their respective credit cards in a physical wallet. Americans will be able to set criteria with their bank — such as having all purchases below $100 or with a certain merchant applied to the debit card, while other purchases go on the credit card. Other new elements are also in response to features that non-payments companies have rolled out in recent years. The Apple Card, which uses Mastercard as its payment network, does not come with a printed 16-digit account number and Apple Card users can request a fresh credit card number at any time without having to dispose of the physical card. Visa executives see a future where banks will issue cards where the 16-digit account number, if the new cards come with them, is largely symbolic. Among the other updates unveiled by Visa are changes to tap-to-pay features. Americans will be able to tap their credit or debit cards to their smartphones to add the card to mobile wallets, instead of using a smartphone’s camera to scan in a card’s information, or tap the card to their smartphones to approve a transaction online. Visa will also start implementing biometrics to approve transactions, similar to how Apple devices use a fingerprint or face scan to approve transactions. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcard #creditcardprocessing 2024-05-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343149/8-must-have-amex-credit-cards-for-2024 https://gamma.videonest.org/343149_thumbnail_resized_v2.webp https://gamma.videonest.org/343149_video_v3_converted.mp4 8 MUST HAVE Amex Credit Cards for 2024 Here are my TOP 8 PICKS for the BEST Amex Credit Cards that just about everyone in the rewards game should get at some point. Do you agree with the ones I chose? Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 – Intro 00:37 – Card 1 (Travel Credit Cards) 03:29 – Card 2 6:28 – Card 3 8:58 – Card 4 11:11 – Card 5 13:04 – Card 6 15:26 – Cash Back Credit Cards 15:44 – Card 7 17:11 – Card 8 18:28 – Bonus (Runner Up) American Express currently has 31 credit cards spread across personal and business versions. Of those, I’ve narrowed them down to the best 8 Amex credit cards to apply for. The ones I chose may offer the best welcome offers, rewards structures (Amex Membership Rewards points or cash back), benefits, or a combination of any of these. A big part of building a strong credit card strategy is to get the best value for the best price (i.e. annual fee). Amex has some of the best credit cards available, so be sure to keep in mind what you personally value before applying for one. For general travel points, the Amex Platinum Card, Amex Gold Card, and Amex Blue Business Plus make for an incredible combo that we often call the Amex Trifecta. Then there are 3 hotel credit cards that can bring massive value to your stays, including the Marriott Bonvoy Brilliant, Hilton Honors Surpass, and Hilton Honors Aspire credit cards. They all have moderate to high annual fees, but their benefits can easily make sense of the cost. Finally, the Amex Blue Cash Everyday and Amex Blue Cash Preferred are excellent cash back credit cards. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #amex 2024-05-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343150/the-1-way-to-increase-your-credit-limit-fast-5-easy-steps https://gamma.videonest.org/343150_thumbnail_resized_v2.webp https://gamma.videonest.org/343150_video_v3_converted.mp4 The #1 Way To Increase Your Credit Limit FAST (5 Easy Steps) Want to know how to INCREASE your credit limit in a BIG way? Follow the 5 easy steps in this video to make it happen and increase your credit score in the process! Click “Show More” to see Ad Disclosure. 💥👇 ALL CREDIT CARD OFFERS (Learn More!) https://markscreditcards.com/offers 💳👇 TOP CHASE & CAPITAL ONE CREDIT CARDS (Learn More!) 💳 Chase Sapphire Preferred (Learn More): https://markscreditcards.com/sapphirepreferred 💳 Chase Sapphire Reserve (Learn More): https://markscreditcards.com/sapphirereserve 💳 Chase Freedom Unlimited (Learn More): https://markscreditcards.com/freedomunlimited 💳 Capital One Venture X: https://markscreditcards.com/venturex 💳 Capital One SavorOne: https://markscreditcards.com/savorone 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:47 - Step 1 1:39 - Step 2 4:07 - Step 3 5:18 - Step 4 6:33 - Step 5 7:00 - American Express Credit Limit Increase 9:11 - Chase Credit Limit Increase 10:17 - Citi Credit Limit Increase 11:36 - Capital One Credit Limit Increase 13:13 - Step 6 (Hard Pull vs. Soft Pull) 13:59 - Step 7 (Authorized Users) 14:31 - Step 8 (Apply for a New Credit Card) 15:05 - Why Ask for a Credit Limit Increase? 15:26 - Credit Score 15:47 - 2 Examples Firstly, what exactly is a credit limit increase, and why should you care? Think of it as a vote of confidence from your credit card issuer, indicating that they trust you with a higher spending limit. This boost can offer numerous benefits, including increased purchasing power, improved credit utilization ratio, and enhanced credit score potential. One of the primary advantages of obtaining a credit limit increase is the expanded financial freedom it provides. With a higher credit limit, you have more room to make larger purchases or handle unexpected expenses without maxing out your card. This can be particularly beneficial in emergencies or when dealing with time-sensitive opportunities. Moreover, a credit limit increase can positively impact your credit score in several ways. Your credit utilization ratio – the amount of credit you're using compared to your total available credit – plays a significant role in determining your creditworthiness. By increasing your credit limit while maintaining or reducing your spending, you effectively lower your utilization ratio, which can boost your credit score over time. Additionally, demonstrating responsible credit management by successfully securing a credit limit increase reflects positively on your credit report. It indicates to lenders that you're a reliable borrower capable of handling higher credit limits responsibly, potentially improving your eligibility for future credit opportunities. So, how can you increase your chances of obtaining a credit limit increase? Follow the 5 main steps outlined in this video. I also included a few bonus steps in case you want alternative methods, as well as a couple examples of how credit limits – and your use of them – can affect your credit score. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #increasecreditlimit #creditlimit 2024-05-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343151/new-chase-sapphire-preferred-and-reserve-offers https://gamma.videonest.org/343151_thumbnail_resized_v2.webp https://gamma.videonest.org/343151_video_v3_converted.mp4 NEW Chase Sapphire Preferred and Reserve Offers! 🔥2 BIG offers on the Chase Sapphire Preferred and Chase Sapphire Reserve credit cards are now available. Summer travel savings are HERE! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - Beginner’s Guide to Transfer Partners for BIG Value https://youtu.be/ae1WayyrwnE 🎬 VIDEO - Chase 5/24 Rule Explained https://youtu.be/muJEN8C86JY 🔥 Don't miss out on these exclusive limited-time welcome offers on the Chase Sapphire Preferred and Chase Sapphire Reserve credit cards! Earn a whopping 75,000 Chase Ultimate Rewards points after spending $4,000 in the first 3 months. Whether you're a travel enthusiast, a foodie, or a savvy spender, these cards offer unbeatable perks and rewards. 🌟 Chase Sapphire Preferred Main Benefits: - Generous Welcome Offer: Earn 75,000 Ultimate Rewards points after spending $4,000 in the first 3 months. - Flexible Redemption Options: Redeem points for travel, gift cards, cash back, and more at a 25% bonus through the Chase Ultimate Rewards portal. - Travel Protections: Enjoy trip cancellation/interruption insurance, rental car insurance, and baggage delay insurance. - No Foreign Transaction Fees: Travel abroad without worrying about extra charges. 🌟 Chase Sapphire Reserve Main Benefits: - Exceptional Welcome Offer: Score 75,000 Ultimate Rewards points after spending $4,000 in the first 3 months. - Luxury Travel Benefits: Access to over 1,300 airport lounges worldwide with Priority Pass Select membership and up to $300 annual travel credit. - Global Entry or TSA PreCheck Fee Credit (includes NEXUS, too): Speed through security lines with statement credit for Global Entry or TSA PreCheck every 4 years. - Premium Travel Protections: Enjoy comprehensive travel insurance, including trip cancellation/interruption insurance, auto rental collision damage waiver, and more. Act fast to take advantage of these incredible offers and start earning valuable rewards on your everyday purchases! Terms and conditions apply. Offers end soon! ✨🛫🌴 Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #travelcreditcards 2024-05-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343152/this-new-credit-card-strategy-changes-the-entire-game https://gamma.videonest.org/343152_thumbnail_resized_v2.webp https://gamma.videonest.org/343152_video_v3_converted.mp4 This New Credit Card Strategy Changes the ENTIRE GAME Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if your personal information has been leaked online! 🔐 Then learn about an incredible new credit card strategy that I’ll be using! Click “Show More” to see Ad Disclosure. 💥👇 ALL CREDIT CARD OFFERS (Learn More!) https://markscreditcards.com/offers (Scroll to ‘Business Credit Cards’ section) 💳👇 TOP CHASE & CAPITAL ONE CREDIT CARDS (Learn More!) 💳 Chase Sapphire Preferred (Learn More): https://markscreditcards.com/sapphirepreferred 💳 Chase Sapphire Reserve (Learn More): https://markscreditcards.com/sapphirereserve 💳 Chase Freedom Unlimited (Learn More): https://markscreditcards.com/freedomunlimited 💳 Capital One Venture X: https://markscreditcards.com/venturex 💳 Capital One SavorOne: https://markscreditcards.com/savorone 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 – Intro 00:23 – Core Cards 11:07 – Hotel Cards 13:09 – Airline Cards After realizing my previous credit card strategy was too complicated, I decided to simplify things…A LOT. Going forward, 95% of my personal spend will be going through 5 credit cards. 3 of those cards are with the same issuer, which alone is a big step forward in terms of simplicity because it means I can manage them all with 1 login. Plus, they all earn the same type of rewards. It basically boils down to this: I have a new CORE credit card setup to capture that 95% of spend, and then the remainder involves select hotel credit cards and an airline credit card. To me, it’s best to earn credit card rewards points that are flexible and transferrable. That way, you can use them in a wide variety of ways without having to be loyal to – or subject to devaluations from – a single program. For reference, here are some of the best currencies to focus on for your main spend / daily drivers. Consider focusing on 1 or 2 currencies to avoid getting too spread out: - Chase Ultimate Rewards points, earned by the Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Freedom Flex, and Chase Freedom Unlimited. - Citi ThankYou points, earned by the Citi Premier, Citi Custom Cash, and Citi Double Cash. - Amex Membership Rewards points, earned by the Amex Platinum Card, Amex Gold Card, and Amex Blue Business Plus. - Capital One Venture Miles, earned by the Capital One Venture X and Capital One Venture cards. - Bilt Rewards points, earned by the Bilt Mastercard - Wells Fargo Rewards points, earned by the Wells Fargo Autograph, Wells Fargo Autograph Journey, and indirectly via the Wells Fargo Active Cash (the cash back earned with this card can be converted into points if you have either of the two Autograph versions). Of course, you can also blend cards across multiple programs mentioned above, but that’s generally best if you prefer travel rewards and intend to transfer points into a common partner program. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #creditcard 2024-04-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343153/its-over-why-i-quit-maximizing-credit-cards-6-reasons https://gamma.videonest.org/343153_thumbnail_resized_v2.webp https://gamma.videonest.org/343153_video_v3_converted.mp4 IT’S OVER: Why I Quit Maximizing Credit Cards (6 Reasons) IT’S OVER. I’M DONE maximizing every purchase with credit cards. It’s time for a SIMPLE credit card strategy that still gets the job done. Learn why in this video. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💥👇 ALL CREDIT CARD OFFERS (Learn More!) https://markscreditcards.com/offers (Scroll to ‘Business Credit Cards’ section) 💳👇 TOP CHASE & CAPITAL ONE CREDIT CARDS (Learn More!) 💳 Chase Sapphire Preferred (Learn More): https://markscreditcards.com/sapphirepreferred 💳 Chase Sapphire Reserve (Learn More): https://markscreditcards.com/sapphirereserve 💳 Chase Freedom Unlimited (Learn More): https://markscreditcards.com/freedomunlimited 💳 Capital One Venture X: https://markscreditcards.com/venturex 💳 Capital One SavorOne: https://markscreditcards.com/savorone 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 – Intro 02:46 – Reason 1 5:53 – Reason 2 9:38 – Reason 3 10:36 – Reason 4 12:18 – Reason 5 13:16 – Reason 6 In this video, I share my personal journey of why I decided to quit maximizing credit card rewards. For years, I was dedicated to squeezing every ounce of value out of my purchases by meticulously juggling multiple credit cards to earn the highest rewards possible. However, what started as a quest for financial efficiency soon became a source of stress and overwhelm. I found myself constantly strategizing which card to use for each purchase, keeping track of rotating categories, and managing various bonus structures. While the allure of cash back, points, and travel miles initially motivated me, the burden of maintaining this complex system began to take its toll (i.e. WAY too much stress!). As the pressure mounted, I realized that the pursuit of maximizing credit card rewards was consuming too much of my time and energy. The constant calculations, tracking, and optimizing detracted from the joy of everyday spending and saving, and ultimately, I was left with decision fatigue on too many purchases. Ultimately, I made the decision to simplify my financial life and prioritize peace of mind over squeezing out every last cent of value from my purchases. I’m working on scaling back to using just a few cards that align with my lifestyle and spending habits. In sharing my experience, I hope to spark a conversation about the hidden costs of maximizing credit card rewards and the importance of finding a balance that works for you. Join me as I discuss the lessons learned and the freedom I found in letting go of the credit card maximization race. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #creditcard 2024-04-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343154/how-many-credit-cards-should-i-have-find-out-now https://gamma.videonest.org/343154_thumbnail_resized_v2.webp https://gamma.videonest.org/343154_video_v3_converted.mp4 How Many Credit Cards Should I Have? (Find Out NOW!) How many credit cards should I or YOU have? You’re about to find out! See the surprising differences between using 1 credit card for everything vs. using 2, 3 or more credit cards together. Click “Show More” to see Ad Disclosure. 💥👇 ALL CREDIT CARD OFFERS (Learn More!) https://markscreditcards.com/offers (Scroll to ‘Business Credit Cards’ section) 💳👇 TOP CHASE & CAPITAL ONE CREDIT CARDS (Learn More!) 💳 Chase Sapphire Preferred (Learn More): https://markscreditcards.com/sapphirepreferred 💳 Chase Sapphire Reserve (Learn More): https://markscreditcards.com/sapphirereserve 💳 Chase Freedom Unlimited (Learn More): https://markscreditcards.com/freedomunlimited 💳 Capital One Venture X: https://markscreditcards.com/venturex 💳 Capital One SavorOne: https://markscreditcards.com/savorone 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 1:03 - The Experiment 05:32 - 1-Card Setup (Cash Back) 6:50 - 2-Card Setup (Cash Back) 7:59 - 3-Card Setup (Cash Back) 9:39 - 4-Card Setup (Cash Back) 12:42 - 1-Card Setup (Travel) 14:12 - 2-Card Setup (Travel) 15:24 - 3-Card Setup (Travel) 16:33 - 4-Card Setup (Travel) 17:40 - Results 18:50 - Key Takeaways Are you ready to level up your credit card rewards game? I sure am! BUT… I’m even more eager to SIMPLIFY my strategy. For too long, I’ve been using 5-8 cards on a routine basis, but something tells me the added value of doing so may not be that much greater than using 3-4 cards. So, from cashback to travel points, I’ll break down the strategies that could help you earn more while spending wisely (and WITHOUT getting overwhelmed). Choosing the right credit card setup is crucial for optimizing your rewards, but it's not just about the points or cashback percentages. Although I’ll be focusing ONLY on the rewards earning potential for each credit card setup, always keep in mind the importance of considering annual fees, the value of statement credits, and other benefits that each card offers. After all, what good is a high rewards rate if it's outweighed by hefty annual fees? The reason why I’m excluding them from our discussion in the video is because nearly everyone values benefits differently (some of which may allow you to completely justify the annual fees), and some of those benefits (including statement credits) may go totally unused some years or every year (that’s my case with the Amex Platinum Card and Chase Sapphire Preferred, for instance). Whether you're a seasoned points collector or just starting to dip your toes into the world of credit card rewards, this video has something for everyone. Join me as I navigate the intricacies of maximizing your credit card rewards and help you make informed decisions about your financial strategy. That said, it's essential to acknowledge the hassle factor that comes with managing multiple cards. From remembering payment due dates to tracking spending across various accounts, juggling multiple cards isn't for everyone. If that sounds like you, I’ve got some good news: Using a single credit card (or up to 2) can STILL be highly rewarding! Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #creditcardstrategy 2024-04-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343155/best-business-credit-cards-2024-boost-your-business-rewards-now https://gamma.videonest.org/343155_thumbnail_resized_v2.webp https://gamma.videonest.org/343155_video_v3_converted.mp4 Best Business Credit Cards 2024 (Boost Your Business Rewards NOW!) Looking for a payment platform for your small to medium sized business? Go to https://go.melio.com/mark-reese to make your first payment! // Here are my TOP 8 business credit card picks that can reward you for your business spend! Click “Show More” to see Ad Disclosure, links, and additional information below. Click “Show More” to see Ad Disclosure. 📲 TRY MELIO TODAY! https://go.melio.com/mark-reese 💳👇 TOP CHASE & CAPITAL ONE BUSINESS CARDS 💳 Chase Ink Preferred (Learn More): https://markscreditcards.com/inkpreferred 💳 Chase Ink Cash (Learn More): https://markscreditcards.com/inkcash 💳 Chase Ink Unlimited (Learn More): https://markscreditcards.com/inkunlimited 💳 Capital One Venture X Business (Learn more): https://markscreditcards.com/venturexbusiness 💥👇 ALL CREDIT CARD OFFERS (Learn More!) https://markscreditcards.com/offers (Scroll to ‘Business Credit Cards’ section) 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:43 - The Amex Blue Business Plus earns 2X Membership Rewards points on all purchases, up to $50K per year. It’s a great card if you value simplicity and don’t want to worry about rewards categories. 3:12 - American Express Blue Business Cash Card The Amex Blue Business Cash earns 2% cash back on all purchases, up to $50K per year. Another excellent choice for simplicity. It even automatically redeems your cash back each month! 6:07 - American Express Business Gold Card The Amex Business Gold Card makes a lot of sense for those of you who have big spend in the 4X-point categories. The cool thing is that the card automatically awards you 4X points in the top 2 spend categories each billing cycle from an eligible list. In other words, wherever you SPENT the most is where you’ll EARN the most! 10:55 - Chase Ink Business Cash credit card One of the best business credit cards with no annual fee. It earns cash back in the form of Chase Ultimate Rewards points (1 point = 1¢ for cash back). Consider it if you spend a lot at office supply stores and/or on internet, cable, and phone services (5% cash back in those categories on up to $25K spend per year). 13:35 - Chase Ink Business Unlimited credit card This card is very similar to the Chase Ink Cash, but the difference is the rewards structure. It earns 1.5% cash back on all purchases with no upper limit on how much you can earn. 15:12 - Chase Ink Business Preferred credit card This business credit card has some fantastic 3X rewards categories and earns Chase Ultimate Rewards points (among the best travel points available). Consider this card if you spend on travel, advertising, shipping and dining. 18:21 - Capital One Venture X Business If you’re looking for a premium rewards credit card for travel, this one might be an excellent choice. It earns 2X miles on all purchases with no limit, plus a couple elevated travel categories when you book hotels and rental cars via the Capital One Travel portal. You’ll receive solid insurance and protections; airport lounge access to Priority Pass lounges, Capital One Lounges, and Plaza Premium lounges; an annual $300 travel credit, 10,000 bonus miles each account anniversary, and more. 21:16 - Bank of America Business Advantage Customized Cash Rewards credit card You might like this card for its ability to change your top rewards category (3% cash back) every month. Flexibility is the focus with this card! Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #melio #businesscredit 2024-04-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343156/robinhood-gold-card-what-you-must-know-before-you-apply https://gamma.videonest.org/343156_thumbnail_resized_v2.webp https://gamma.videonest.org/343156_video_v3_converted.mp4 Robinhood Gold Card: What You MUST Know BEFORE You Apply The Robinhood Gold Card earns UNLIMITED 3% cash back on EVERY purchase! But is it really the best credit card of the year? Learn about the rewards, benefits, and more to see for yourself. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards ✅ Robinhood Gold Card Waitlist https://robinhood.com/creditcard/waitlist 💥👇 ALL CREDIT CARD OFFERS (Learn More!) https://markscreditcards.com/offers (Scroll to ‘Business Credit Cards’ section) 💳👇 TOP CHASE & CAPITAL ONE CREDIT CARDS (Learn More!) 💳 Chase Sapphire Preferred (Learn More): https://markscreditcards.com/sapphirepreferred 💳 Chase Sapphire Reserve (Learn More): https://markscreditcards.com/sapphirereserve 💳 Chase Freedom Unlimited (Learn More): https://markscreditcards.com/freedomunlimited 💳 Capital One Venture X: https://markscreditcards.com/venturex 💳 Capital One SavorOne: https://markscreditcards.com/savorone 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🔗 Fast Company - Robinhood’s new credit card is made of actual gold, but its real value is in the user perks https://www.fastcompany.com/91068672/robinhoods-new-gold-credit-card-is-actually-made-of-gold 🔗 Robinhood Gold Card Waitlist https://robinhood.com/creditcard/waitlist 🔗 Robinhood Gold Card Fee Details: https://api.robinhood.com/creditcard/legal/interest-fees 🔗 Robinhood Gold Card Benefits Terms (Visa Protections / Insurance) https://api.robinhood.com/creditcard/legal/visa-signature-benefits 🔗 Robinhood Gold Card Rewards Program Terms / Rules https://api.robinhood.com/creditcard/legal/reward-terms 📰 Yahoo Finance – Robinhood Launches Gold Card with Rewards for Member Investors: https://finance.yahoo.com/personal-finance/robinhood-gold-credit-card-230059735.html 📰 TechChrunch – Robinhood’s new credit card goes after Apple Card with ability to invest cash-back perks: https://techcrunch.com/2024/03/27/robinhood-goes-after-apple-card-with-a-new-credit-card-loaded-with-impressive-features/ Introduction to Robinhood Gold Card: The Robinhood Gold Card is a credit card offered by the popular investment app Robinhood. It's designed to provide benefits tailored to the needs of investors and users of the Robinhood platform and may be an excellent catch-all since it earns 3% cash back on all purchases with no limit or category restrictions. No Annual Fee: One of the standout features of the Robinhood Gold Card is that it comes with no annual fee. This can be attractive for users who want to maximize benefits without having to worry about yearly charges. HOWEVER, you must be a Robinhood Gold member in order to apply and get approved. Per the terms, “The [Robinhood] Gold Card requires an annual Robinhood Gold subscription to apply and maintain the card and does not include a 30 day free trial.” NOTE the ANNUAL requirement (i.e. you cannot do the $5/mo. option). Cash Back Rewards: The card offers cash back rewards on purchases, which can be especially appealing for frequent users of the Robinhood platform. These rewards can be redeemed and used to further invest or for other expenses, like travel or shopping via the Robinhood portals. Integration with Robinhood App: This integration allows users to seamlessly manage their card and track their rewards within the same platform where they manage their investments. Interest Rates: The current APR is 20.24% - 29.99%, but it’s variable and can change over time. Potential for Building Credit: For users looking to build or improve their credit score, responsibly using the Robinhood Gold Card can be a beneficial tool. Timely payments and responsible credit utilization can positively impact credit scores over time. Plus, you can add others regardless of their age while setting limits and controls to prevent giving them full access to your primary account. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #robinhood #bestcreditcards #creditcards 2024-03-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343157/1-trick-to-get-business-credit-cards-without-a-business https://gamma.videonest.org/343157_thumbnail_resized_v2.webp https://gamma.videonest.org/343157_video_v3_converted.mp4 #1 Trick to Get Business Credit Cards WITHOUT a Business Identity thieves love tax season. Protect yourself. Go to my sponsor https://aura.com/markreese to get a 14-day free trial. Click “Show More” to see Ad Disclosure. 💥👇 ALL CREDIT CARD OFFERS (Learn More!) https://markscreditcards.com/offers (Scroll to ‘Business Credit Cards’ section) 💳👇 TOP CHASE & CAPITAL ONE BUSINESS CARDS (Learn More!) 💳 Chase Ink Preferred (Learn More): https://markscreditcards.com/inkpreferred 💳 Chase Ink Cash (Learn More): https://markscreditcards.com/inkcash 💳 Chase Ink Unlimited (Learn More): https://markscreditcards.com/inkunlimited 💳 Capital One Venture X Business: https://markscreditcards.com/venturexbusiness 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura Business credit cards have some major advantages, and a lot more people may be eligible to get them than you might think! Let’s cover some Q&As… Q: Can you get a business credit card if you don’t have a Corporation, LLC, etc.? A: Yes! You can apply as an individual (“sole proprietor”). Q: Can you get a business credit card if you don’t have an EIN? A: Yes! You can use your SSN instead. Q: Can you get a business credit card without owning a business? A: Yes! If you earn money independently from your day job, you may qualify. Q: Can you get a business credit card if you haven’t made any money yet? A: It’s possible! Some banks may give an approval even if you’re pre-revenue. There are also some huge advantages to getting business credit cards. Some of them include: 1. Obtain more welcome offers. Getting credit card signup bonuses are a fast way to get a lot of points, miles, or cash back quickly, and business credit cards often have their own offers (many of which are higher than personal credit cards). 2. Build strong credit card strategies. Some business credit cards earn rewards in categories not covered by most personal credit cards (examples: utilities, advertising, office supply stores, and more). Even better, some of the Chase Ink business credit cards and Amex business credit cards earn the same type of rewards as some of the personal credit cards, so you can combine your points! Examples of these combinable points include Chase Ultimate Rewards, Amex Membership Rewards, and Capital One Venture miles. 3. Separate business from personal expenses 4. Obtain “invisible credit” (i.e., most business credit cards do not appear on your personal credit report). So, they won’t affect your credit score in terms of utilization or the age of the account. They also won’t affect the Chase 5/24 Rule. Just be aware that most small business credit cards still pull your personal credit. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, Biltrewards.com and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #businesscredit #smallbusiness 2024-03-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343158/20-amex-platinum-benefits-ranked-heres-whats-actually-good https://gamma.videonest.org/343158_thumbnail_resized_v2.webp https://gamma.videonest.org/343158_video_v3_converted.mp4 20+ Amex Platinum Benefits RANKED (Here's What's ACTUALLY Good...) Is the Amex Platinum Card worth it?! Here’s my ranking of EVERY benefit to help you make a decision to get the card (or keep it if you already have it). Click “Show More” to see Ad Disclosure. 💳👇 CREDIT CARD OFFERS (Learn More!) https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura The American Express Platinum Card has an insane amount of benefits (more than any other travel credit card I can think of)! For that reason, it’s easy to get lost in the perceived value of them all. But in the end, the question that you need to answer is, “Is the Amex Platinum Card worth it FOR YOU?” That is, do YOU use enough of the benefits in your everyday life to justify the current $695 annual fee? We’re going to be ranking the benefits across 5 tiers, where the S-Tier is the top and the D-Tier is the bottom. Some of the benefits we’ll be discussing include the Amex Platinum 150K Offer, Lounge Access (incl. the Amex Centurion Lounge, Delta SkyClub, Priority Pass lounges, and more), the $200 Uber Cash benefit, the $200 Hotel Credit, the $240 Digital Entertainment Credit, Elite Status (incl. Marriott Bonvoy Gold elite status, Hilton Honors Gold elite status, and rental car statuses with Avis, Hertz, and National), and more. We’ll even rank the Amex Platinum Card’s ability to earn and redeem Amex Membership Rewards points to see if the overall rewards program is compelling (and for which type of person). Of course, all of the rankings are from my perspective; you may value certain benefits differently. Regardless, seeing them all laid out in one place will give you a great visual perspective to think about them all collectively. 💳 View Mark’s Top Credit Cards: https://markscreditcards.com/offers Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #amex 2024-03-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343159/its-official-wells-fargo-autograph-journey-kills-amex-platinum-card https://gamma.videonest.org/343159_thumbnail_resized_v2.webp https://gamma.videonest.org/343159_video_v3_converted.mp4 IT’S OFFICIAL: Wells Fargo Autograph Journey KILLS Amex Platinum Card The Wells Fargo Autograph JOURNEY credit card was announced today, and its rewards structure embarrasses the American Express Platinum Card! Here’s everything you need to know… Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 📝 PRESS RELEASE 1 – Wells Fargo to Launch Autograph Journey Card Designed for Frequent Travelers https://www.prnewswire.com/news-releases/wells-fargo-to-launch-autograph-journeysm-card-designed-for-frequent-travelers-302080861.html 📝 PRESS RELEASE 2 – Wells Fargo to Launch Autograph Journey Card Designed for Frequent Travelers https://newsroom.wf.com/English/news-releases/news-release-details/2024/Wells-Fargo-to-Launch-Autograph-Journey-Card-Designed-for-Frequent-Travelers/default.aspx 📝 CNBC Article – Wells Fargo announces a new travel rewards card, the Autograph Journey — get 60,000 transferrable points and much more https://www.cnbc.com/select/new-wells-fargo-autograph-journey-card/ 📝 The Points Guy – Wells Fargo Autograph Journey launch date announced — here's how to apply https://thepointsguy.com/news/wells-fargo-autograph-journey-launch-date-announced/ 🔗 WELLS FARGO AUTOGRAPH JOURNEY TERMS & CONDITIONS https://www.wellsfargo.com/credit-cards/autograph-journey-visa/terms The Wells Fargo Autograph Journey card is launching on March 09, 2024 in select Wells Fargo branches, and will then be available in all branches an online on March 20, 2024! Then starting April 04, 2024, Wells Fargo transfer partners will be launching for all Wells Fargo credit cards that earn points (including the Wells Fargo Autograph card with a $0 annual fee). The initial partner list will include the following: - Choice Privileges (1:2) - Air France-KLM Flying Blue (1:1) - avianca lifemiles (1:1) - British Airways Executive Club (1:1) - Air Lingus AerClub (1:1) - Iberia Plus (1:1) - More partners will continue to be added throughout the year. The Rewards Structure of the Wells Fargo Autograph Journey will be as follows: - 5x points on hotels - 4x points on airlines - 3x points on other travel - 3x points on dining - 1x on other purchases The Wells Fargo Autograph Journey benefits will include: - $50 Annual Statement Credit for airfare purchases - No Foreign Transaction Fees - Travel and retail protection benefits, including cell phone protection and trip cancellation, which allows you to get reimbursed up to $15,000 for lodging, flights, and activities if the trip is canceled for a covered reason. You’ll also receive access to Autograph Card Exclusives, a live entertainment benefit providing Autograph credit cardholders with access to concerts, showcasing big-name artists in small venues. Learn more from the press release! (See links above) 💳 View Mark’s Top Credit Cards: https://markscreditcards.com/offers Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2024-03-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343160/6-uncomfortable-credit-card-truths-you-need-to-hear https://gamma.videonest.org/343160_thumbnail_resized_v2.webp https://gamma.videonest.org/343160_video_v3_converted.mp4 6 Uncomfortable Credit Card "Truths" You Need to Hear... Are you playing the credit card game? MAKE SURE you understand these 6 uncomfortable credit card truths to avoid making a FATAL mistake costing you tons of points and miles. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🔗 ONE MILE AT A TIME - How Much Are Airline, Hotel, And Credit Card Points Worth? https://onemileatatime.com/guides/value-miles-points/ 00:00 - Intro 00:35 - Uncomfortable Truth 1 2:30 - Uncomfortable Truth 2 3:50 - Uncomfortable Truth 3 9:01 - Uncomfortable Truth 4 12:36 - Uncomfortable Truth 5 15:25 - Uncomfortable Truth 6 The credit card rewards game is a lot of fun. After all, it can put more money in your pocket and significantly reduce the cost of your next flight or hotel. However, there are at least 6 uncomfortable truths you need to understand in order to win the game. First of all, realize that the rewards multipliers can mislead you. Just because the Hilton Honors Surpass American Express Card earns 12X points at Hilton Hotels, it doesn’t mean you’re getting more value than the 4X multiplier on the World of Hyatt credit card when staying at Hyatt Hotels. Believe it or not, the return on spend is practically equal. Second, your points and miles lose value the longer you save them. This is especially true of airline miles (e.g. American Airlines AAdvantage miles, Delta SkyMiles, United Miles, etc.) and hotel points (e.g. Marriott Bonvoy points, IHG One Rewards points, etc.) because those programs see more dramatic devaluations … more often. Third, you might not always earn as many points as you thought. Even if your Amex Gold Card earns 4X on dining worldwide or your Chase Sapphire Preferred earns 3X on streaming, how each business is set up on the Visa / Mastercard / etc. network (and the Merchant Category Code being used) is the ultimate determining factor if you’ll earn that 4X or 3X or not. Fourth, airline and hotel credit cards are usually a losing strategy if your goal is to earn points and miles on your everyday spend. While there are exceptions to this, again, these are the programs that tend to lose value faster and more often when devaluations come around. That’s why it’s almost always better to earn bank-issued points (like Chase Ultimate Rewards points, Amex Membership Rewards points, Citi ThankYou points, Bilt Rewards points, and Capital One Venture miles). All of those programs have transfer partners, so the value of the overall program isn’t tied to a specific airline or hotel program. Plus, you have way more redemption options. Fifth, the credit card game has rules (and ignoring them hurts). Rewards expire at different times, credit card signup bonuses are not always available to everybody equally, etc. Sixth, many credit card benefits are designed to make you spend more. Just look at the American Express Platinum Card benefits. Many are small credits that will not cover a full purchase, so you might be “tricked” into spending more than you otherwise would in order to use a benefit. 💳 View Mark’s Top Credit Cards: https://markscreditcards.com/offers Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2024-03-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343161/the-only-5-credit-cards-you-need-in-2024-a-winning-strategy https://gamma.videonest.org/343161_thumbnail_resized_v2.webp https://gamma.videonest.org/343161_video_v3_converted.mp4 The Only 5 Credit Cards You Need in 2024 (A Winning Strategy) Here are the 5 credit cards you need this year to make a winning credit card strategy! I’ll give you options for cash back and travel points so you can pick what’s best for you. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 – Intro 1:45 – Credit Card 1 (Transportation) 5:09 – Credit Card 2 (Food) 10:09 – Credit Card 3 (Entertainment) 11:37 – Credit Card 4 (Online Shopping) 13:49 – Credit Card 5 (Other) Tired of juggling a bulky wallet full of credit cards? This video simplifies your financial life by exploring just 5 powerful credit cards you could utilize in 2024 to maximize rewards on everyday purchases. Whether your goal is travel rewards or cash back, these carefully chosen cards offer a streamlined approach to potentially earning TONS in rewards this year. This video curates a manageable selection of 5 credit cards from leading issuers like American Express, Capital One, and Citi so you can get exposure to the best rewards currencies on the market. We'll delve into the key rewards and benefits of each card, helping you identify the ones that best align with your spending habits and reward preferences. For transportation, I recommend looking into the Amex Blue Cash Preferred and Citi Custom Cash. For food, I recommend looking into the Capital One SavorOne and Amex Gold Card. For entertainment, I recommend looking into the Capital One SavorOne and Citi Custom Cash. For online shopping, I recommend looking into the Amex Blue Cash Everyday. For other categories, I recommend looking into the Citi Double Cash and Capital One Venture X. 💳 View Mark’s Top Credit Cards: https://markscreditcards.com/offers Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2024-02-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343162/the-6-big-problems-of-all-premium-credit-cards-cancel-now https://gamma.videonest.org/343162_thumbnail_resized_v2.webp https://gamma.videonest.org/343162_video_v3_converted.mp4 The 6 BIG PROBLEMS of ALL Premium Credit Cards (Cancel NOW?!) Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if your personal information has been leaked online! 🔐 Then learn why it may be time to CANCEL some of your premium travel credit cards! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:42 - Problem 1 2:33 - Problem 2 4:14 - Problem 3 8:58 - Problem 4 11:21 - Problem 5 13:03 - Problem 6 PROBLEM 1: Elite Credit Cards Have Overlapping or Competing Benefits Have you noticed that travel credit cards like the Amex Platinum Card, Chase Sapphire Reserve, and Capital One Venture X all have $300+ worth of travel credits? How about partner benefits with companies like Lyft, Uber, or DoorDash? Airport Lounge Access via Priority Pass? The list goes on. Many benefits are either identical or similar, and the amount of benefit convergence we’re seeing nowadays is increasing. PROBLEM 2: Elite Credit Cards Have Increasing Annual Fees The American Express Platinum Card used to be $450 per year. Then the annual fee went up to $550. Today, it sits at $695. The Chase Sapphire Reserve is at $550 right now, formerly $450. The Capital One Venture X hasn’t seen an increase to its annual fee yet, but it also has only been around since 11.09.2021. The Delta SkyMiles Reserve Card was recently updated and is now at $650 (previously $550). The Citi AAdvantage Executive Card went up to $595 after its refresh (previously $450). The United Club Infinite Card is still at $525 (up from $450), and I wouldn’t be surprised to see it climb higher to match what American Airlines and Delta are doing. The Hilton Honors Aspire Card is sitting at $550 (previously $450), and finally, the Marriott Bonvoy Brilliant Card skyrocketed to $650 (a $200 increase from its prior $450 annual fee). Carrying multiples of these premium credit cards continues to become more expensive over time. PROBLEM 3: Elite Credit Cards Are Becoming More Like Coupon Books We’re now seeing a lot of partner benefits that come in the form of statement credits to help you earn back some of the cost of your annual fee. However, these credits are often with specific merchants, so their use is limited – or nonexistent – for many people. PROBLEM 4: Elite Credit Cards Have Limited Rewards Structures You only need to look at the lower annual fee (and no annual fee) credit cards in order to see that many of them have better rewards multipliers to earn points on your regular spend. Some of them even earn valuable points (like Amex Membership Rewards points, Chase Ultimate Rewards points, and Capital One miles), but they usually lack on the benefits side (or don’t offer access to transfer partners). That’s why rewards maximizers often have to get a variety of credit cards. PROBLEM 5: Elite Credit Cards Have a Big Opportunity Cost You might earn fewer points or less flexible points, or give up better prices or a variety of alternatives, due to having to use a portal in order to justify the annual fee so you can use the other benefits you care more about. You'll probably find yourself sacrificing your rewards rate to use certain benefits. PROBLEM 6: Elite Credit Cards Make You Forget How Much You Actually Travel Things like elite status, upgrades, and other benefits have more value the more often you’re able to use them. While these premium travel credit cards sound amazing on paper, if you only travel 1 or 2 times per year, did you really extract enough value out of that $500+ annual fee to make sense of having the card? Getting into the Amex Centurion Lounge, Chase Sapphire Lounge, or Capital One Lounge can be awesome, but maybe not if only once a year. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2024-02-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343163/big-fail-unboxing-the-new-ritz-carlton-credit-card-all-metal https://gamma.videonest.org/343163_thumbnail_resized_v2.webp https://gamma.videonest.org/343163_video_v3_converted.mp4 BIG FAIL: Unboxing the NEW Ritz Carlton Credit Card (All Metal??) The NEW, ALL-METAL Ritz Carlton Credit Card is here and it’s a HUGE disappointment. Watch me unbox it and compare it to the old Ritz Carlton Credit Card (Warning: it’s NOT what you think)! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura The Chase Ritz-Carlton Credit Card has received a new, “all-metal” design, BUT… IT’S NOT ALL METAL! It’s still the plastic-metal hybrid (i.e. a metal core with a plastic back), though it does have more metal than it used to. The old, legacy Ritz-Carlton Credit card was a true, all-metal credit card and weighed 28g. When it was discontinued to new applicants, it was downgraded to the plastic-metal hybrid design and weighed 13g. And now, it’s keeping the same plastic-metal hybrid construction, but weighs 17g (roughly the same as the Amex Platinum Card, Capital One Venture X, and the latest version of the Chase Sapphire Reserve). That said, none of the benefits are changing. It still maintains the: - Rewards Structure of: 6X Marriott Hotels 3X Dining / Car Rentals / Airline Purchases 2X Other rewards structure - $300 Annual Travel Credit for qualifying air incidental purchases like seat upgrades, baggage fees, and preferred lounge passes - 3 Club Level Upgrades each year on paid stays of up to 7 nights (terms apply) - Automatic Marriott Bonvoy Gold Elite Status - 15 Elite Night Credits per year - And more While the Ritz Carlton Credit Card is still discontinued to new applicants, you can still get it via product change from the Marriott Bonvoy Boundless or Marriott Bonvoy Bountiful if you've had one of those for at least 1 year with a credit limit of $10,000. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #ritzcarlton #bestcreditcards 2024-02-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343164/whats-in-my-wallet-q1-2024-or-credit-card-strategy-2024 https://gamma.videonest.org/343164_thumbnail_resized_v2.webp https://gamma.videonest.org/343164_video_v3_converted.mp4 WHAT’S IN MY WALLET Q1 2024 | Credit Card Strategy 2024 Take a look inside my wallet to see which credit cards I’m using for Q1 2024! I’ve switched things up in order to maximize cash back as well as some Marriott Bonvoy points (and a Free Night Award)! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura Here’s my best credit card strategy for Q1 2024! 1. Chase Freedom Flex: This one is earning 5% back at Grocery Stores and on Self-Care / Spa Services on up to $1,500 in combined spend for the quarter when you activate. Remember, Chase issues cash back in the form of Chase Ultimate Rewards points. So, while they’re good for cash back, they can be worth even more when redeemed for travel if you also have the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred. 2. Discover it Cash Back credit card: Right now, this credit card is earning 5% cash back at Restaurants and Drug Stores on up to $1,500 in combined spend for the quarter when you activate. 3. Citi Custom Cash Card: This one allows you to earn 5% cash back on your Top Spend category for each billing cycle, on up to $500 for that cycle, from a preset list of 10 different categories. For me, I’ll be using the card only for gas stations to guarantee it earns 5% there. The cash back here is also issued in the form of Citi ThankYou points, which can have an even higher redemption value when combined with the Citi Premier Card and redeemed strategically via transfer partners. 4. U.S. Bank Altitude Reserve Card: This one is on my mobile wallet because it earns 3X points on all mobile wallet purchases. Since Costco and Target accept Apple Pay, this is my #1 credit card for those 2 retailers. Those 3X points yield a return of 3% for cash back or 4.5% toward travel. 5. Marriott Bonvoy Brilliant American Express Card: I found a link to a spend offer via the Doctor of Credit blog to spend $4,000 by 3/15/2024 and earn an 85K Free Night Award. My card was eligible, so I registered and the spend begins! - Doctor of Credit Post: https://www.doctorofcredit.com/ymmv-american-express-brilliant-spend-4000-earn-85000-free-night-certificate/ - Amex Registration Link: https://global.americanexpress.com/enrollments/oletenroll?campaignId=ghra1123&offerType=ghra01&locale=en-US 6. Marriott Bonvoy Business Card: I received a targeted offer via email to earn 5,000 Marriott Bonvoy points after spending $1,500 by 3/31/2024, up to three times. I plan to do this once. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #whatsinmywallet #bestcreditcards #creditcards 2024-02-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343165/amex-just-blew-up-the-delta-credit-cards-can-you-afford-the-annual-fees https://gamma.videonest.org/343165_thumbnail_resized_v2.webp https://gamma.videonest.org/343165_video_v3_converted.mp4 Amex Just BLEW UP the Delta Credit Cards! (Can You Afford the Annual Fees?!) WOW! American Express just made MAJOR changes to the Delta SkyMiles Credit Cards! New benefits, higher annual fees, and more! Learn how these changes could impact you. Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 – Intro 00:48 – Annual Fee Increases (Personal) 2:25 – Annual Fee Increases (Business) 3:31 – New Benefits (Delta SkyMiles Gold) 4:40 – New Benefits (Delta SkyMiles Platinum) 8:56 – New Benefits (Delta SkyMiles Reserve) 12:05 – New Benefits (Delta SkyMiles Business Gold, Platinum, Reserve) 13:57 – My Thoughts The Delta Air Lines Credit Cards will never be the same! Here’s a rundown of the main changes… Delta SkyMiles Gold American Express Card - Annual Fee increasing to $150 - New $100 Delta Stays Credit for prepaid hotels or vacation rentals at delta.com/stays - Enhanced $200 Delta Flight Credit (previously $100) after spending $10K on your card per Calendar Year Delta SkyMiles Platinum American Express Card - Annual Fee increasing to $350 - New $150 Delta Stays Credit for prepaid hotels or vacation rentals at delta.com/stays each Calendar Year - New $120 Rideshare Credit ($10/mo.) for Uber, Lyft, Revel, or Alto in the U.S. - New $120 Resy Credit ($10/mo) - New MQD Headstart: Receive 2,500 MQDs each Qualification Year - New MQD Boost: Earn 1 MQD for every $20 in purchases on your card each Qualification Year - New Complimentary Upgrade List - Enhanced Companion Certificate: Now valid on travel to all 50 U.S. states, Mexico, Central America, and the Caribbean in Main Cabin. - New Hertz Five Star Status: enrollment required - Removed: Delta SkyClub access Delta SkyMiles Reserve American Express Card - Annual Fee increasing to $650 - New $200 Delta Stays Credit for prepaid hotels or vacation rentals at delta.com/stays each Calendar Year - New $120 Rideshare Credit ($10/mo.) for Uber, Lyft, Revel, or Alto in the U.S. - New $240 Resy Credit ($10/mo) - New MQD Headstart: Receive 2,500 MQDs each Qualification Year - New MQD Boost: Earn 1 MQD for every $10 in purchases on your card each Qualification Year - Enhanced Companion Certificate: Now valid on travel to all 50 U.S. states, Mexico, Central America, and the Caribbean in Main Cabin, Delta Comfort+, or First Class - New Hertz President’s Circle Status: enrollment required - Removed: Starting Feb. 01, 2025, you’ll receive 15 visits to the Delta Sky Club per Qualification Year. Additional guests will be $50 each. To receive unlimited Sky Club visits, you must spend $75K on your card per calendar year. You’ll also get 4 one-time guest passes per cardmember year. Additional guests are $50 each. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #deltaairlines 2024-02-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343166/i-got-the-new-chase-sapphire-reserve-design-unboxing-2024 https://gamma.videonest.org/343166_thumbnail_resized_v2.webp https://gamma.videonest.org/343166_video_v3_converted.mp4 I Got the NEW Chase Sapphire Reserve design! (Unboxing 2024) The Chase Sapphire Reserve has a NEW design with MORE METAL! Check out the thicker and heavier metal credit card construction that’s more like the Amex Platinum Card! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 👨‍💻 KUDOS – Earn Extra Cash Back! https://joinkudos.com/mark 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura For a long time, the Amex Platinum Card has been among the heaviest metal credit cards you could get. But now, other credit card issuers are stepping up their game with more premium credit card offerings, including Capital One (Venture X) and Bank of America (Premium Rewards Elite). Now, it’s Chase’s turn! They recently updated the Chase Sapphire Reserve to a new metal design. Although I don’t know the exact date when it occurred, I've seen a data point as early as Q2 2023. It’s still a hybrid plastic-metal construction, but there’s definitely more metal now. In fact, while the Amex Platinum Card and Capital One Venture X both weigh 17g, the new Chase Sapphire Reserve weighs 16g (a nice increase from the older design’s 13g, which is also the same weight as the Chase Sapphire Preferred). So, check out the Chase Sapphire Reserve unboxing to see what the new design is like! Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2024-01-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343167/5-steps-to-an-800-credit-score-the-1-way-to-increase-your-credit-score-faster https://gamma.videonest.org/343167_thumbnail_resized_v2.webp https://gamma.videonest.org/343167_video_v3_converted.mp4 5 Steps to An 800 Credit Score (The #1 Way To Increase Your Credit Score FASTER) Here's the PROVEN method of how to increase your credit score FAST, even up to a perfect 800+ score. Follow these 5 easy steps to make it happen for FREE. Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 👨‍💻 KUDOS – Earn Extra Cash Back! https://joinkudos.com/mark 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 – Intro 00:57 – Step 1 3:48 – Step 2 7:13 – Step 3 11:06 – Step 4 12:50 – Step 5 📄👉LendingTree Study - What It Takes to Earn an 800 Credit Score https://www.lendingtree.com/debt-consolidation/what-it-takes-to-earn-an-excellent-credit-score/ Building a strong credit score is about smart habits and consistent action. For this video, we'll ditch the drama and dive into the 5 essential steps you need to take to unlock your financial potential. Step 1: Payment History is King (35% of Your Score) On-time payments are the single most important factor in your credit score. Aim for 100% on-time payments for all your bills, credit cards, and loans. Consider setting up automatic payments to avoid late fees and missed payments. Track your due dates with apps, calendars, or reminders. Step 2: Credit Utilization - Keep it Low and Steady (30% of Your Score) Aim to use less than 30% of your available credit limit by the end of your billing cycle for good credit scores. Aim to use less than 10% of your available credit limit by the end of your billing cycle to reach top scores. Paying down your balances as needed will help keep your utilization low. Consider requesting a credit limit increase if you stay in control (i.e. you don’t spend more than you need to). Step 3: The Length of Credit History is Crucial (15% of Your Score) As long as it makes sense, strive to keep your credit cards open long term. Maintaining a good payment history over many years will boost your score in a big way. The longer your track record, the higher your score can go. This requires some patience and there’s no quick fix here (other than becoming an authorized user on someone else’s account who has a strong credit history). Step 4: Mix of Accounts (10% of Your Score) Having a mix of credit accounts, such as credit cards and installment loans, can slightly boost your score. However, focus on managing existing accounts responsibly before opening new ones. Only get what you want and need. Step 5: New Accounts (10% of Your Score) Don’t open new accounts too often. Each hard inquiry can temporarily lower your score, and new accounts can also decrease your overall average length of credit history. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #creditscore 2024-01-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343168/1-best-bank-accounts-2024-high-yield-savings-and-checking https://gamma.videonest.org/343168_thumbnail_resized_v2.webp https://gamma.videonest.org/343168_video_v3_converted.mp4 #1 BEST Bank Accounts 2024 (High Yield Savings and Checking) Here are the BEST Checking & Savings accounts of 2024! All of them are high yield with no monthly fees or minimum balance requirements so you can grow your money FASTER! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 👨‍💻 KUDOS – Earn Extra Cash Back! https://joinkudos.com/mark 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🏦 SoFi Checking + Savings https://markscreditcards.com/sofibanking 🏦 Ally Savings https://markscreditcards.com/allysavings 🏦 Ally Money Market https://www.ally.com/bank/money-market-account/ 🏦 Ally Checking (“Ally Spending”) https://www.ally.com/bank/interest-checking-account/ 🏦 Capital One Savings https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/ 🏦 Capital One Checking https://www.capitalone.com/bank/checking-accounts/online-checking-account/ 🏦 Discover Savings https://www.discover.com/online-banking/savings-account/ 🏦 Discover Checking https://www.discover.com/online-banking/checking-account/ 🏦 Charles Schwab Checking (Schwab Investor Checking) https://www.schwab.com/checking 🏦 Chase Checking https://markscreditcards.com/chasechecking 00:00 – Intro 00:48 – Ally Savings Account 4:19 – Ally Checking Account 6:58 – Capital One Savings 8:37 – Capital One Checking 10:17 – SoFi Checking and Savings 13:10 – Discover Savings 14:03 – Discover Checking 16:06 – Charles Schwab Checking (Schwab Investor Checking) 19:29 – ATMs When you look at the typical savings accounts and checking accounts from the major banks (like Chase, Bank of America, Wells Fargo, and others), you’ll notice that many of them have minimum opening deposits, minimum account balances ($1,500 is very common), monthly maintenance fees, and virtually NO INTEREST to be earned. However, in more recent years, we’ve seen the rise of many online banks (that is, they have limited or no branch locations). Due to the significant cost savings associated with an online model, these banks can offer much higher interest rates than you normally see while still offering many of the services you need. For instance, a lot of banking can be done online these days, including mobile deposit of checks, sending or receiving funds, paying bills, and more. For this reason, the traditional model of going into a bank branch has become a lot less common, so a lot of people can do just fine with online-only banks. Some of these include Ally Bank, Capital One Bank, SoFi Bank, Discover Bank, and others. I’ve been a user of both the traditional big banks and the newer online banks, and they’ve all got their pros and cons. That said, I find myself using the online banks a lot more these days, primarily to avoid minimum balance requirements, fees, and to earn interest at a higher rate. Learn about the features and benefits of some of the best ones in this video to see if they’re right for you! Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #checkingaccount #savingsaccount #highyieldsavings 2024-01-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343169/aven-card-best-credit-card-for-homeowners-watch-before-you-apply https://gamma.videonest.org/343169_thumbnail_resized_v2.webp https://gamma.videonest.org/343169_video_v3_converted.mp4 Aven Card: Best Credit Card for Homeowners? (Watch BEFORE You Apply) Are you looking to get a HELOC or a new credit card? How about BOTH? The Aven Card combines both products with a simple application process. Learn if it’s right for you! https://getaven.com/try | Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 👨‍💻 KUDOS – Earn Extra Cash Back! https://joinkudos.com/mark 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura The data presented in this video is accurate as of November 2023. This data can change over time and it is solely the responsibility of the consumer to verify the most up to date rates, line sizes, etc. Sponsored by Aven Financial, Inc. dba Aven or "AvenCard" (in AR, ID, and PA), 548 Market St # 99555, San Francisco, CA 94104. NMLS # 2042345. Subject to credit approval. Certain terms and conditions may apply, may vary by applicant and are subject to change. Limited to certain states - see aven.com/licenses for details. See additional disclosures at aven.com. The Aven Card is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS # 462289 (www.nmlsconsumeraccess.org) View all Disclosures at: https://www.aven.com/#disclosures More info about competitor cards mentioned in the video: - Wells Fargo Active Cash: https://creditcards.wellsfargo.com/active-cash-credit-card - Citi Double Cash: https://www.citi.com/credit-cards/citi-double-cash-credit-card What is the Aven Card? A credit card that lets you use your home equity to access a credit line with low rates. It combines a credit card with a HELOC. What is a HELOC (Home Equity Line of Credit)? A HELOC is a secured line of credit backed by your home. To get a HELOC, you must have equity in your home, meaning the amount owe on your home is less than the home’s value. Aven Card Qualifications To get the Aven Card, you need to own a home, have equity in your home, earn sufficient income relative to your monthly bill, and have a good credit score. Rewards The Aven Card earns 2% cash back on all purchases. Aven Card Benefits 1. No Fees to Get Started. This means you won’t pay an origination fee, an appraisal fee, notary fee, annual fee, or any prepayment penalty. 2. Low Interest Rates. Currently, 7.99% - 15.49% variable APR. You can also qualfy for a 0.25% discount via autopay. 3. High Potential Credit Limits. Based on where you live, you could qualify for a credit limit of $100,000 to $250,000. On the lower end, limits start at $5,000. 4. Quick Application Process. The traditional HELOC application process can take 2 – 6 weeks. However, with the Aven Card, it can be done online in around 15 minutes. 5. Consolidate Debt. Transfer higher interest debt from other credit cards or personal loans to Aven Card to pay down debt faster. There’s a one-time fee of 2.5%. 6. Cash Out to Your Bank. Deposit cash from Aven Card to your bank account. There’s a one-time fee of 2.5%. 7. Flexible Repayment Options. Use Aven Card like a regular credit card or for cash outs. 8. Check Your Offer. There’s a preapproval process that will not affect your credit score. 9. Backed by FDIC-insured Coastal Community Bank. 10. Built-in Safeguards. Stay in control over your spending and debt levels. Get alerts for large purchases to approve or deny them. 11. Tax Deductible. Interest on eligible home improvement projects may qualify for a tax credit. Consult a tax advisor. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #heloc #aven 2024-01-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343170/my-all-new-2024-credit-card-strategy-no-amex-gold https://gamma.videonest.org/343170_thumbnail_resized_v2.webp https://gamma.videonest.org/343170_video_v3_converted.mp4 My ALL NEW 2024 Credit Card Strategy (No Amex Gold?!) Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if your personal information has been leaked online! 🔐 Then watch me reveal my NEW credit card strategy for 2024! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 👨‍💻 KUDOS – Earn Extra Cash Back! https://joinkudos.com/mark 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:54 - Part 1: Mixed Core 11:29 - Part 2: Airline Credit Cards 12:11 - Part 3: Hotel Credit Cards 15:42 - Part 4: New Cards Part 1: Mixed Core In the battle between the best travel credit cards and the best cash back credit cards, I’ve chosen to participate more on Team Cash Back. I’m even using Amex Membership Rewards points for cash back via my Amex Platinum Card (Schwab version)! However, that’s because 2024 will not be seeing much in the way of big international travel. Instead, I’ll be buying a new home, so the more cash I can save up, the better. Cards like the Chase Freedom Flex, Citi Custom Cash, and Discover it Cash Back all work together really well as part of my strategy. You’ll notice that my credit card setup lacks any sort of trifecta – that’s right – no Chase Trifecta and no Amex Trifecta! I’ve instead opted for a variety of different credit cards from many banks. Since I’m mostly focused on cash back, there isn’t an issue of using different rewards programs since I can indirectly combine all the cash in the end. That said, my general travel credit cards are the Bilt Mastercard and the U.S. Bank Altitude Reserve. Some of the others earn their cash back in the form of points (e.g. Chase Ultimate Rewards points and Citi ThankYou points), so if I choose to make any travel redemptions, having points instead of pure cash back can be an advantage. Part 2: Airline Credit Cards I’m only using one here, the CitiBusiness AAdvantage Platinum Select Mastercard. This gives me benefits on American Airlines that I value, but I won’t be using it for spend. Part 3: Hotel Credit Cards I’ve got 10 hotel credit cards across 6 hotel programs (Marriott Bonvoy, Choice Privileges, Hilton Honors, IHG One Rewards, World of Hyatt, and Wyndham Rewards), primarily to maintain elite status, earn free night awards, and to earn more points when I pay cash for hotel stays. Part 4: New Credit Cards For 2024? NONE! Since I’m buying a new house, I’m making sure I avoid credit inquiries / hard pulls and newly opened accounts. That will help me increase my credit score and maintain it at a higher level so I can qualify for the best mortgage rates. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2024-01-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343171/im-done-the-amex-trifecta-is-dead-to-me https://gamma.videonest.org/343171_thumbnail_resized_v2.webp https://gamma.videonest.org/343171_video_v3_converted.mp4 I’M DONE: The Amex Trifecta Is DEAD to Me… It’s GAME OVER for the Amex Trifecta! Learn the 5 reasons why it’s no longer my main credit card setup or strategy, what I’m doing instead, and why I’m still keeping it (yes, you read that right)! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 👨‍💻 KUDOS – Earn Extra Cash Back! https://joinkudos.com/mark 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🌐 MELIO - Payment Platform for SMB https://markscreditcards.com/melio 00:00 - Intro 00:20 - Reason #1 2:22 - Reason #2 3:36 - Reason #3 5:05 - Reason #4 8:07 - Reason #5 9:29 - Should I Cancel? 10:33 - Will I Still Use Amex? REASON 1: Credit Overwhelm. If you’re familiar with the American Express Platinum Card, you know what I’m talking about! From the Uber Cash benefit, $200 hotel credit, $200 airline fee credit, $300 Equinox credit, up to $100 for TSA PreCheck or Global Entry, and more, there’s A LOT to keep track of. Making matters even more difficult, many of these credits expire at different times and they do not roll over. The Amex Gold Card has its own $120 Uber Cash benefit and $120 Dining Credit. For now, the Amex Blue Business Plus is free from all this. For a 'simple' Amex Trifecta, you definitely need to put in some work. REASON 2: Sky-High Annual Fees. The Amex Platinum Card has a $695 annual fee, the Amex Gold Card has an annual fee of $250, and (fortunately) the Amex Blue Business Plus is still at $0. In order to run the Amex Trifecta, you’ll be paying $945 in annual fees each year (with a bunch of credits and benefits in order to justify it). REASON 3: I’m Not Using the #1 Redemption Method (Right Now). This refers to using Amex transfer partners for travel, particularly for flights. There’s no better way to get the most value out of your Amex points than using these partners to fly internationally on a long-haul flight in a premium cabin (like premium economy, business class, or first class). While the big value isn’t guaranteed (it depends on the itinerary), the potential is there. For at least the next year, I’m not doing these types of flights. Rather, I’m focused on cash back via the Schwab Platinum Card, which gives me 1.1¢ per point. REASON 4: Higher Percent Return With Other Cards. For my situation, I can obtain 5% cash back on everyday rewards categories like Groceries, Gas, Dining, and Online Shopping. This is a higher cash back return that I’d get using the Amex Trifecta. For Q1 2024, cards like the following can make this happen: - Chase Freedom Flex - Citi Custom Cash - Discover it Cash Back - Amazon Prime Visa - Runner Up: Amex Blue Cash Everyday, which earns 3% back on U.S. Online Retail REASON 5: I Earn Amex Points via Rakuten. Rakuten is an online shopping portal that allows you to earn additional cash back on top of your credit card rewards. The cool thing is that you can change your rewards preference to Amex Membership Rewards points instead! While I’d earn even more Amex points with the Amex Trifecta, I find the earnings via Rakuten to be sufficient for now. WILL I STILL USE AMEX CARDS? Yes, however, the Amex Trifecta will no longer be my default strategy for the near future. Rather, I plan to use select, individual American Express cards as part of a broader credit card strategy. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcard #travelcreditcards 2024-01-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343172/melio-vs-quickbooks-bill-pay-or-best-payments-platform-for-small-business https://gamma.videonest.org/343172_thumbnail_resized_v2.webp https://gamma.videonest.org/343172_video_v3.mp4 Melio vs. QuickBooks Bill Pay | Best Payments Platform for Small Business Looking for a payment platform for your small to medium sized business? https://go.melio.com/markreese Learn about Melio and QuickBooks Bill Pay to see which one makes sense for you! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 👨‍💻 KUDOS – Earn Extra Cash Back! https://joinkudos.com/mark 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🌐 MELIO - Payment Platform for SMB https://markscreditcards.com/melio Both Melio and QuickBooks Bill Pay are Accounts Payable (AP) tools for small and medium-sized businesses (SMBs). They allow you to pay your vendors, suppliers & contractors for the goods and services you received while improving your cashflow management. 00:00 – Intro 1:08 – Demo (Melio) 2:07 – Demo (QuickBooks Bill Pay) 2:56 – Payment Methods 4:34 – Credit Card Payments 6:00 – International Payments 6:39 – Scheduling Payments 6:50 – Payment Features 7:11 – Workflow 8:42 – Number of Users 9:21 – Cost (Pricing) Melio - When Will My Payment Arrive? https://melio.zendesk.com/hc/en-us/articles/4447358208018-When-will-my-payment-arrive- Which Countries Are Open to International Payments Through Melio? https://melio.zendesk.com/hc/en-us/articles/4447132839442-What-countries-are-open-to-international-payments-through-Melio- Melio Roles & Permissions https://melio.zendesk.com/hc/en-us/articles/5856324646684-Melio-Roles-Permissions Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #melio #meliopayments #moneymanagement 2024-01-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343173/i-blew-it-how-i-failed-my-credit-card-strategy-for-2023-a-reflection https://gamma.videonest.org/343173_thumbnail_resized_v2.webp https://gamma.videonest.org/343173_video_v3_converted.mp4 I Blew It: How I FAILED My Credit Card Strategy for 2023 (A reflection…) Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if your personal information has been leaked online! 🔐 Then learn why I completely failed my credit card strategy for 2023 (and how I made up for it)! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 👨‍💻 KUDOS – Earn Extra Cash Back! https://joinkudos.com/mark 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🌐 MELIO - Payment Platform for SMB https://markscreditcards.com/melio The beginning of each new year is an excellent time to review your current credit card strategy and to plan your next one for the next 12 months. However, things don’t always go according to plan! Of the 8 credit cards I planned to get in 2023, I only ended up getting 1.5 of them (watch the video to see how that math works) :D Thanks to a massive promotion by American Express, I was able to earn a lot of Amex Membership Rewards points, which was not planned originally. I also got other credit cards from Wells Fargo, American Express, Bank of America, and Discover. That said, I’m already planning to make some big changes to my credit card strategy for 2024 (future video coming soon)! Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #creditcardstrategy 2023-12-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343174/the-credit-card-strategy-99percent-of-people-neglect https://gamma.videonest.org/343174_thumbnail_resized_v2.webp https://gamma.videonest.org/343174_video_v3_converted.mp4 The Credit Card Strategy 99% of People Neglect Is your credit card strategy MISSING any of these 4 essential parts?! Learn what the PROS do to when creating a card strategy for maximum value! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 👨‍💻 KUDOS – Earn Extra Cash Back! https://joinkudos.com/mark 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 – Intro 00:35 - Part 1 (Transferrable & Flexible Points) 8:12 - Part 2 (Airline & Hotel Credit Cards) 11:14 - Part 3 (Premium Travel Credit Cards) 12:32 - Part 4 (Travel Portals) Part 1 (Transferrable & Flexible Points) These are by far the best type of credit card rewards points. Transferrable means you can transfer them from bank points (like Amex Membership Rewards or Chase Ultimate Rewards) into partner airline miles or hotel points (like American Airlines AAdvantage miles or Marriott Bonvoy points). Flexible means you can redeem them via the bank portal for any flight, hotel, or rental car you like (kind of like using Expedia). These types of rewards points give you the most flexibility to create the trip or vacation you like. Part 2 (Airline & Hotel Credit Cards) These types of travel credit cards have a unique purpose. Primarily, they’re best for BENEFITS…not for earning rewards. Airline credit cards may give you benefits like free checked bags, priority boarding, inflight discounts, and more. Hotel credit cards may give you elite status, an annual free night, and ways to earn even higher levels of status for benefits like room upgrades, late checkout, etc. In other words, these cards can enhance your travels. But, when it comes to earning rewards for your day-to-day transactions, you’re likely better off with the flexible and transferrable options. That said, exceptions as to why you may want to spend on these types of cards include: hitting higher status tiers and/or to earn points in the top-tier rewards multiplier (e.g. using a Hilton Honors credit card for spending at Hilton … or a Delta SkyMiles credit card for spending on Delta flights). Part 3 (Premium Travel Credit Cards) These include the Amex Platinum Card, Chase Sapphire Reserve, Capital One Venture X, and others. They offer elevated rewards and benefits that are broad, that is, they aren’t specific to any brand or company. The Amex Platinum Card gets you into the greatest number of airport lounges (including the Amex Centurion Lounge, Delta SkyClub, and Priority Pass lounges). The Chase Sapphire Reserve likely has the best overall rewards program. The Capital One Venture X is probably the best entry-level, premium credit card available right now. Part 4 (Travel Portals) These have a lot of limitations, particularly when booking hotels and rental cars and when attempting to contact customer service. You might not have your current elite status recognized, you may not earn credits towards higher levels of status, and you may not earn points or rewards in the program. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2023-12-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343175/are-store-credit-cards-worth-it-the-truth https://gamma.videonest.org/343175_thumbnail_resized_v2.webp https://gamma.videonest.org/343175_video_v3_converted.mp4 Are STORE Credit Cards Worth It? (The TRUTH) 🚨 Use code "MARK" to get Kudos for FREE and 5X your credit card rewards ▸ https://joinkudos.com/mark | Click "Show More" to see Ad Disclosure. Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 👨‍💻 KUDOS – Earn Extra Cash Back! https://joinkudos.com/mark 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura There are 2 different types of store credit cards: 1. Standard ‘Store Credit Cards’ are closed loop, meaning they can only be used at 1 particular store, brand, or family of stores. They do no operate on the Visa, Mastercard, American Express, or Discover networks. 2. ‘Co-Branded Store Credit Cards’ are open loop. These DO run on the Visa, Mastercard, American Express, or Discover networks (look at which logo appears on the front or back), meaning they can be used anywhere those types of cards are accepted. Some great examples of these 2 types are the Amazon credit cards. There are currently 4 personal versions: 2 Amazon Store Credit Cards that are closed loop and issued by Synchrony Bank and 2 regular Amazon Credit Cards that are open loop running on the Visa network and issued by Chase. Note: there’s also an Amazon Business Credit Card issued by Amex. Compared to other credit cards, Store Credit Cards tend to have more limited rewards, offer signup bonuses that offer an immediate reward (e.g. 20% discount upon checkout), have higher APR rates, lower credit limits, and may have lower acceptance rates if they’re closed loop. Store Credit Card PROS - Easier to qualify & get approved - Usually get an immediate discount upon opening - May get strong ongoing rewards (3% - 5%) at a specific store - Occasional bonus perks, like extra rewards, access to discounts, invite-only events, etc. Store Credit Card CONS - May have limited use (e.g. 1 store) - Typically high interest rates - Usually limited rewards - May give lower credit limits - May have limited / short-term value Other ‘regular’ credit cards that offer excellent rewards for shopping include: - U.S. Bank Shopper Cash Rewards Visa Signature - U.S. Bank Altitude Reserve - Amex Blue Cash Everyday Are store credit cards worth it? YES if… - The upfront discount is meaningful to you. - You frequently shop at the store / brand. - The ongoing rewards are valuable to you. - You are building / rebuilding credit & are having difficulty getting approved for other cards. - You get access to perks you couldn’t otherwise get. NO if you… - Don’t value the discounts / rewards. - Don’t shop at the store / brand frequently. - Can get approved for other, higher-value cards. - Prefer more flexible cash back rewards. - Prefer travel rewards. Examples of good store credit cards: - Amazon Prime Visa - Costco Anywhere Visa - Capital One Walmart Rewards Card - Lowe’s Advantage Card - Target RedCard - TJX Rewards credit card Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #storecreditcards 2023-12-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343176/how-to-get-100percent-approved-for-capital-one-credit-cards-capital-one-application-rules-2024 https://gamma.videonest.org/343176_thumbnail_resized_v2.webp https://gamma.videonest.org/343176_video_v3_converted.mp4 How to Get 100% APPROVED for Capital One Credit Cards (Capital One Application Rules 2024) Watch this video BEFORE applying for a Capital One Credit Card. I’ll teach you the rules for Capital One applications so you can increase your chances of approval. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:26 - General Requirements 4:51 - 48-Month Rule 5:27 - 2-3 / 30 Rule 7:26 - 5+ Card Rule 9:26 - 1/6 Rule 10:37 - Bucketing 12:55 - 3 Hard Pulls (Inquiries) 14:22 - Recent Inquiry / Account Sensitivity 14:57 - Checklist Capital One 48 Month Rule You’re not eligible for the card offer if you received a new cardmember bonus for the same card in the past 48 months. Capital One 2-3 / 30 Rule You’re not eligible for the card offer if you applied for a Capital One credit card 2 or more / 3 or more times in the last 30 days (may vary by card). Capital One 5 Card Rule You’re not eligible for the card offer if you have 5 or more open credit card accounts with Capital One. Currently applies to Capital One business credit cards as of this video's recording. Capital One 2 Card Rule | Capital One 2 Card Limit | May not apply to everyone, if at all It’s been said for years that you can only have 2 personal Capital One credit cards. It was also said that the following were excluded: - Cobranded Cards (e.g. Walmart Rewards Card) - Business Cards (e.g. Spark 1.5% Cash Select) However, I (and others) have disproved this. See this video: https://youtu.be/_SyJGPKKiE8?si=CTj15ZUdh24ugkdg Capital One 1/6 Rule | Capital One 6 Month Rule | May not apply to everyone, if at all It’s been said that you can get approved for 1 Capital One credit card every 6 months. This includes personal cards and small-business cards. Capital One Bucketing Capital One offers different versions of the same card for different credit score ranges. If you get approved for a ‘lower tier’ version (e.g. fair credit, good credit), then you may not be able to: - Get a credit-limit increase - Get upgraded to a ‘higher tier’ version - Likely applies to individual cards (not overall account) - Only potential way out? Apply for a new Capital One credit card Capital One 3 Hard Pulls | Capital One 3 Hard Inquiries Capital One pulls from all 3 major credit bureaus (Experian, TransUnion, Equifax) for each new credit card application. This means 3 new inquiries, but only 1 per report. It may be possible to freeze 1 report (either Experian or Equifax) and still get approved. Capital One Recent Inquiry / Account Sensitivity Capital One is known to be sensitive to recent inquiries & newly opened accounts. While not a hard rule, I’d personally want the following prior to applying… - 0 new inquiries in the past 6 months - 0 newly opened accounts in the past 6 months Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitalone #creditcards #creditcardapply 2023-12-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343177/amex-kills-bonuses-2-new-wells-fargo-cards-apple-card-dead https://gamma.videonest.org/343177_thumbnail_resized_v2.webp https://gamma.videonest.org/343177_video_v3_converted.mp4 Amex KILLS Bonuses? 2 New Wells Fargo Cards? Apple Card DEAD?! American Express is messing with their welcome offers, Wells Fargo may launch TWO new Autograph credit cards, and the Apple Card as we know it may be GONE by next year! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 👨‍💻 KUDOS – Earn Extra Cash Back! https://joinkudos.com/mark 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:27 - Amex RUINS Welcome Offers?! 6:42 - 2 NEW Wells Fargo Autograph Cards?! (Autograph Journey, Autograph Beyond) 7:46 - Apple Card ENDING! (Apple Savings, too?!) NEWS #1: American Express is experimenting with an entirely new welcome offer strategy. You may see offers to earn “up to” 150,000 Amex Membership Rewards points on the Amex Platinum Card or “up to” 90,000 Amex Points on the Amex Gold Card. You won’t know what your offer is until you apply and see your offer. Fortunately, you’ll be able to accept the offer or retract your application (in which case there won’t be any change to your credit score or credit report). Frequent Miler Link: https://frequentmiler.com/up-to-something-amex-adding-weirdly-worded-welcome-offers/ Miles to Memories Link: https://milestomemories.com/wells-fargo-files-trademarks-for-new-autograph-cards/ NEWS #2: The Wells Fargo Autograph Card MAY get new branding, or 2 all new Autograph credit cards may be launching! In October 2023, Wells Fargo filed 2 new trademarks, 1 for “Wells Fargo Autograph Journey” and 1 for “Wells Fargo Autograph Beyond.” Doctor of Credit is reporting the Wells Fargo Autograph Journey will launch with a $95 annual fee and signup bonus to earn 60,000 points after spending $4K in the first 3 months. Doctor of Credit Link: https://www.doctorofcredit.com/wells-fargo-to-launch-wells-fargo-autograph-journey-card-60000-points/ NEWS #3: The Apple Card will likely no longer be issued by Goldman Sachs in the next 12-15 months, due to Apple requesting to exit their contract with Goldman for BOTH the Apple Card and the Apple Savings account. At this time, there’s no info about which card issuer will take over the Apple Card portfolio. Initial rumors mentioned American Express (currently unlikely) and Synchrony Bank (more likely). Wall Street Journal Link: https://www.wsj.com/finance/banking/apple-pulls-plug-on-goldman-credit-card-partnership-ca1dfb45 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2023-11-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343178/6-credit-card-trends-that-need-to-die-amex-chase-capital-one https://gamma.videonest.org/343178_thumbnail_resized_v2.webp https://gamma.videonest.org/343178_video_v3_converted.mp4 6 Credit Card Trends That Need to DIE! (Amex, Chase, Capital One...) 🚨 Use code "MARK" to get Kudos for FREE and 5X your credit card rewards ▸ https://joinkudos.com/mark | Click "Show More" to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn More Cash Back! https://markscreditcards.com/rakuten 👨‍💻 KUDOS – Earn Extra Cash Back! https://joinkudos.com/mark 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:52 - Trend #1 3:02 - Trend #2 7:30 - Trend #3 9:34 - Trend #4 10:37 - Trend #5 12:33 - Trend #6 With all of the different travel and cash back credit cards we have in the U.S. market, it’s great to have so many choices. However, there are some trends we’re seeing that can be quite frustrating because they make you work harder to justify having a certain credit card. Here are my Top 6 Credit Card Trends that need to end ASAP! Trend 1: Coupon Book Style of Credits Some perfect examples of this are the Amex Platinum Card, Chase Sapphire Reserve card, and the Amex Gold Card. Each of these have credits and benefits that act like coupons or discounts in certain spend categories or with particular merchants. They often require extra thought and a form of tracking on your part to make sure you’re using the benefits available to you in order to justify the annual fees of these cards. Trend 2: Inconsistent Point Values If you’ve ever looked at how to redeem Amex Membership Rewards points, you’ll see that there are many ways to do so. It’s nice to have a lot of flexibility, but the value you get can vary dramatically from one redemption type to another. For instance, redeeming Amex points for travel vs. cash back vs. online shopping can bring you more or less value. Trend 3: Welcome Offer Games Credit card issuers like American Express and Chase may show different signup bonus offers to different people (even at the same time)! This means you may or may not get a good (or the best) offer at any moment in time. Considering the high value of both Amex Membership Rewards Points (from the likes of the Amex Platinum Card, Amex Gold Card, or Amex Green card) and Chase Ultimate Rewards points (from the likes of the Chase Sapphire Reserve, Chase Sapphire Preferred, or either of the 2 main Freedom Cards – Chase Freedom Flex or Chase Freedom Unlimited), you want to take extra caution to get great offers! Trend 4: Overly Complicated Welcome Offer Rules Getting a credit card signup bonus today can be complicated with all of the different rules from different issuers. Here are a few examples of well-known rules: - Amex Lifetime Rule - Amex Family Rule - Amex 1/5 Rule - Amex 2/90 Rule - Chase 5/24 Rule - Chase 2/30 Rule - Chase 1/30 Guideline - Chase 24-Month Rule - Chase 48-Month Rule Learn more about these rules in these videos… 1. NEW RULES! How to Get 100% APPROVED for Amex Credit Cards (Amex Credit Card Application Rules 2024): https://youtu.be/G3ksdsf3PN0?si=fXeWWaONYcoJegtZ 2. How to get APPROVED for Chase Credit Cards! (Chase Application Rules): https://youtu.be/mlGWG5btFmc?si=dmtmQQqqTJX_buer Trend #5: Multiple Hard Inquiries for 1 Application Capital One is best known for this; they pull from all 3 bureaus for each credit card application you submit. Frankly, 1 hard pull per credit card application should suffice. Trend #6: Not Disclosing Minimum Application Requirements Publishing requirements for things like minimum income, credit score, etc. would be immensely helpful. Unfortunately, it’s an extremely rare practice, at least in the U.S. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #creditcardrewards 2023-11-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343179/13-versions-of-priority-pass-compared-which-is-best-or-beginners-guide https://gamma.videonest.org/343179_thumbnail_resized_v2.webp https://gamma.videonest.org/343179_video_v3_converted.mp4 13 Versions of Priority Pass Compared (Which Is BEST? | Beginner’s Guide) What's the BEST credit card for Priority Pass? I'm comparing 13 different version to help you determine which one is right for you (especially if you bring guests!). Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura If you're wondering how to get airport lounge access, a Priority Pass membership might be exactly what you're looking for (although international travelers will likely get the most value as the majority of the locations are outside of the U.S.). However, a growing part of the network is access to Priority Pass restaurants, which can be an excellent alternative to a lounge. That said, there's a wide variety of top travel credit cards that COME WITH Priority Pass (all you have to do is activate it)! This video will walk you through the main credit cards with Priority Pass, explain the different levels of access each one gives you, and then compare them against each other so you can determine which one best fits your needs. 00:00 - Intro 1:09 - Amex Platinum Card Priority Pass Access (Primary): Unlimited Access (Guests): Up to 2 AUs (Membership?): Yes Restaurants, etc.? No 2:25 - Amex Business Platinum Card Priority Pass Access (Primary): Up to 2 Access (Guests): Yes AUs (Membership?): Yes Restaurants, etc: No 2:53 - Chase Sapphire Reserve Priority Pass Access (Primary): Unlimited Access (Guests): Up to 2 AUs (Membership?): Yes Restaurants, etc: Yes 4:08 - U.S. Bank Altitude Reserve Priority Pass Access (Primary): 8 Visits Per Year Access (Guests): Each Use 1 Visit AUs (Membership?): No Restaurants, etc: Yes 5:24 - Capital One Venture X Priority Pass Access (Primary): Unlimited Access (Guests): Unlimited AUs (Membership?): Yes Restaurants, etc: No 5:51 - Capital One Venture X Business Priority Pass Access (Primary): Unlimited Access (Guests): Up to 2 AUs (Membership?): No Restaurants, etc: Yes 8:13 - Marriott Bonvoy Brilliant Priority Pass Access (Primary): Unlimited Access (Guests): Up to 2 AUs (Membership?): No Restaurants, etc: No 8:32 - Hilton Honors Business Card Priority Pass Access (Primary): 10 Visits Per Year Access (Guests): Each Use 1 Visit AUs (Membership?): No Restaurants, etc: No 9:01 - Bank of America Premium Rewards Elite Priority Pass Access (Primary): Unlimited Access (Guests): Up to 2 AUs (Membership?): Yes (They don’t need to be an authorized user) Restaurants, etc: Yes 10:33 - Citi Prestige Priority Pass Access (Primary): Unlimited Access (Guests): Up to 2 or Immediate Family AUs (Membership?): Yes Restaurants, etc: Yes 11:09 - The Ritz-Carlton Credit Card Priority Pass Access (Primary): Unlimited Access (Guests): Unlimited AUs (Membership?): Yes Restaurants, etc: Yes 12:13 - U.S. Bank Altitude Connect Priority Pass Access (Primary): 8 Visits Per Year Access (Guests): Each Use 1 Visit AUs (Membership?): No Restaurants, etc: Yes? 13:03 - U.S. Bank Business Altitude Connect Priority Pass Access (Primary): 8 Visits Per Year Access (Guests): Each Use 1 Visit AUs (Membership?): No Restaurants, etc: Yes? 13:23 - How to Tell Them Apart When you log into your Priority Pass account, either via desktop / laptop or via the Priority Pass app, and search for lounge locations, the results will only show you the one(s) you can access. That means if your version does not provide restaurant access, then you will not see available restaurants when you search for Priority Pass locations. 17:13 - Comparison & Summary Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #prioritypass #airportlounge #amexplatinum 2023-11-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343180/i-got-instantly-approved-for-the-same-credit-card-why-you-should-too https://gamma.videonest.org/343180_thumbnail_resized_v2.webp https://gamma.videonest.org/343180_video_v3_converted.mp4 I Got Instantly Approved for the SAME Credit Card?! (Why You Should Too) Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if your personal information has been leaked online! 🔐 Then learn why you might want to apply for two of the SAME credit cards! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:45 - Reason #1 2:29 - Reason #2 4:22 - Reason #3 8:16 - Reason #4 10:56 - Reason #5 13:13 - Reason #6 15:23 - Reason #7 Have you ever thought applying for the SAME credit card? As strange as it may sound, there can be real benefits of having two of the same credit card in your wallet. Here are a few of them: REASON 1: You want to get a second welcome offer (if rules allow). Getting a credit card signup bonus for a second time on the same card can be an excellent way to accelerate your points, miles, or cash back FAST! Just make sure you read about the credit card application rules and the offer terms to make sure you’re eligible. REASON 2: You spend more than the monthly, quarterly, or yearly rewards limit. There are a number of credit cards that issue 3X - 5X points in various categories, but only up to a certain dollar limit. For example, both the Discover it Cash Back credit card and the Chase Freedom Flex offer 5% cash back in quarterly categories, up to $1,500 spend per quarter. The U.S. Bank Cash Plus card, Amex Blue Cash Everyday card, Amex Gold Card, and Citi Custom Cash cards all have spend limits that occur quarterly, yearly, or monthly. If you spend more than these limits, then having a second identical card to capture that additional spend can be a great advantage. REASON 3: You can take advantage of duplicate benefits and/or credits. Having two Capital One Venture X cards means doubling the amount of "free" authorized users you can add, which is a fantastic way to share benefits with more people. You'll also have two $300 Travel Credits and two 10,000-mile anniversary bonuses to justify the $395 annual fee. REASON 4: You maxed out the referral opportunities (and can do more). Both American Express and Chase have excellent referral opportunities that you can take advantage of each year. Each card you have can earn a referral bonus up to a certain amount. If you go beyond that amount, you won’t earn any more rewards, which is why it can be great to double up on those cards! REASON 5: You want to maximize your rewards with different choice categories. Some credit cards allow you to choose your own rewards category (examples: Bank of America Customized Cash Rewards card or the U.S. Bank Cash+ card). So, if you have 2+ of the same card, you can select different rewards categories on each one to maximize your earnings. REASON 6: You need to product change to become eligible for another card. For example, if you have the Chase Sapphire Preferred and the Chase Freedom Flex, you can downgrade your Sapphire Preferred to a second Freedom Flex and then apply for the Sapphire Preferred again (and get the bonus again, provided you’re under the Chase 5/24 Rule and have waited at least 48 months since you got your last Sapphire bonus). REASON 7: You want to product change to lower (or $0) annual fee and still preserve your account history. For instance, if you have 2 Delta credit cards (like the Delta SkyMiles Reserve and Delta SkyMiles Platinum) that you no longer want or need, you can downgrade them both to the Delta SkyMiles Blue. That one has no annual fee, and doing this will keep your credit limits and credit history intact. Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #creditcardhacks 2023-11-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343181/3percent-cash-back-with-no-credit-check-revenued-business-card https://gamma.videonest.org/343181_thumbnail_resized_v2.webp https://gamma.videonest.org/343181_video_v3.mp4 3% Cash Back with NO CREDIT CHECK?! (Revenued Business Card) Learn more about Revenued: https://markscreditcards.com/revenued | Looking for a business credit card but have bad credit (or no credit score)? The Revenued Business Card may be an option for you to get working capital for your business quickly and easily with NO credit check. See if it’s right for you! Click “Show More” to see Ad Disclosure. 💥👇 REVENUED BUSINESS CARD! https://markscreditcards.com/revenued 💳👇 VIEW OTHER CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 📝🎬 REVENUED BUSINESS CARD APPLICATION VIDEO: https://www.youtube.com/watch?v=wWLBqDTSqsA&t=1s Revenued is a revenue-based financing platform that helps businesses easily access the capital they need for growth. Instead of looking at credit history and score, they offer business cards and credit lines based on your business revenue. This means you can get working capital FAST. You’re actually getting a bundle consisting of the Revenued Business Card itself as well as a Flex Line, which is linked to your Card. - Card: Physical card to use for purchases, issued by Sutton Bank, Member FDIC, and powered by Marqeta. It’s NOT a traditional credit card or loan. Rather, it accesses your Flex Line. - Flex Line: An unsecured open line of credit. Gives you fast access to cash by allowing you to borrow money (up to your approved limit) and pay it back it over time out of your sales revenue, plus a factor rate. The amount of your Flex Line depends on your business performance. QUALIFICATIONS Eligible businesses will have: - 6+ months in business (no startups). - A separate business bank account with 3+ months of activity and $10,000/mo. or more in deposits. - A legal structure other than sole proprietorship. - Headquarters in the U.S. WELCOME OFFER Earn $500 cash back after spending $5,000 in the first 90 days. CASH BACK – EARNING - 3% All Purchases ANNUAL FEE = $0 REVENUED BUSINESS CARD BENEFITS 1. Easy Application & Approval Process - Receive a funding decision in as little as 1 hour. - Access funds within 24 hours. 2. Flexible Spending Limits - Easy limit increases that can grow with your business in real time. - Option to request an increase via the portal. 3. Poor / Bad FICO Scores Accepted (incl. No Score) - Approvals are based on business revenue, not your FICO score. - No hard pull 4. No Fees (Factor Rate Applies) - No application fees - No draw fees - No annual fee 5. Simple Online Banking & Support - Use the app or online dashboard to view your spending limit, payment calendar, transaction history & more. - Dedicated account manager for support. 6. Individualized Factor Rates - Get a factor rate based on your business performance. Typically between 1.1 - 1.5. - Only applies once you’ve started using the funds. Disclosure 1: The Revenued Business Card Visa® Commercial Card is powered by Marqeta. Revenued's service provides for the purchase of future receivables and is not a credit card or a loan and is provided solely by Revenued, not Sutton Bank. Disclosure 2: This video is sponsored by Revenued. The thoughts, opinions, and information presented are those of the creator and do not represent financial advice. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #businesscredit #creditcard #creditcards 2023-11-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343182/7-best-credit-card-benefits-that-will-change-the-way-you-travel-forever https://gamma.videonest.org/343182_thumbnail_resized_v2.webp https://gamma.videonest.org/343182_video_v3_converted.mp4 7 BEST Credit Card Benefits That Will Change the Way You Travel FOREVER Here are my Top 8 Picks for the BEST credit card benefits that will change the way you travel! From free nights in hotels, upgrades on planes, and access to airport lounges, you won’t want to miss out! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten Ⓜ️ CARDMATCH - Check for Targeted Amex Platinum 125K - 150K Offer | Amex Gold 75K - 90K Offer | & More! https://markscreditcards.com/cardmatch 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:24 - Benefit 1 3:35 - Benefit 2 8:39 - Benefit 3 11:06 - Benefit 4 14:11 - Benefit 5 15:30 - Benefit 6 16:44 - Benefit 7 Benefit 1: Rewards that are Transferrable The most valuable credit card points are the ones that give you strong value with a lot of flexibility, especially when you can transfer them out to other airline and hotel partner programs. Some of the best credit card rewards include: - Chase Ultimate Rewards points - Amex Membership Rewards points - Citi ThankYou points - Capital One Venture Miles / Capital One Spark Miles - Bilt Rewards Points - Wells Fargo Rewards (transfer partners coming 11.15.2023!) Benefit 2: Automatic or Accelerated Elite Status Elite status with hotel programs or airline programs makes your travel experience so much better. At your hotel, you may receive a room upgrade for more space or a better view, late checkout to stay a bit longer, and free or discounted breakfast each morning. At the airport, you may be able to get expedited check-in, priority boarding, free checked bags, and a better seat. There are some excellent hotel credit cards and airline credit cards that come with automatic status or a way to earn status faster. Some of these include Hilton Honors credit cards, Marriott Bonvoy credit cards, Delta credit cards, United credit cards, and American Airlines credit cards. Benefit 3: Card-Linked Offers These include Amex Offers, Chase Offers, and others. They’re like digital coupons that can give you additional cash back or points on top of your credit card rewards. Benefit 4: Free Night Awards Many hotel credit cards offer free night awards, and they’re the easiest way to justify annual fees on these types of cards. For instance, if your credit card has an annual fee of $95 and comes with a free night certificate or points each year that can be redeemed for more than $95, then you’ve essentially gotten yourself a discounted night! Benefit 5: Lounge Access Whether you’ve got the Amex Platinum Card for access to the Amex Centurion Lounge, Chase Sapphire Reserve or Capital One Venture X with Priority Pass, or any of the premium airline credit cards to get access to their lounge networks, airport lounges can offer a significantly upgraded experience over being in the terminal. From complimentary snacks and drinks to comfortable seats, many people love the experience! Benefit 6: Insurance Protections These can make a world of difference if you experience flight delays, lost luggage, or a damaged / stolen package! Benefit 7: Credits / Partner Benefits Looking for the simplest way to justify a credit card annual fee? Credits and benefits are the easiest way to do so, and the more you use them, the more value you can get! Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2023-11-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343183/17-most-unbelievable-credit-cards-right-now-2023 https://gamma.videonest.org/343183_thumbnail_resized_v2.webp https://gamma.videonest.org/343183_video_v3_converted.mp4 17 Most Unbelievable Credit Cards RIGHT NOW! (2023) Here are the BEST credit card offers for the end of 2023! Now’s the time to earn more points and miles for your travels in 2024 so you can save money on airfare, hotels and more! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards Ⓜ️ CARDMATCH - Check for Targeted Amex Platinum 125K - 150K Offer | Amex Gold 75K - 90K Offer | & More! https://markscreditcards.com/cardmatch 💳👇 View ALL Credit Card Offers! https://markscreditcards.com/offers 🌟💳 Mark’s TOP Credit Card Picks! https://markscreditcards.com/topcards 💥👇 Chase Freedom UNLIMITED Offer! https://markscreditcards.com/freedomunlimited 💥👇 Chase Freedom FLEX Offer! https://markscreditcards.com/referchasefreedom 💥👇 Chase INK UNLIMITED Offer! https://markscreditcards.com/inkunlimited 💥👇 Chase INK CASH Offer! https://markscreditcards.com/inkcash 💥👇 Chase INK PREFERRED Offer! https://markscreditcards.com/inkpreferred 💥👇 Capital One Venture X Offer! (Direct link) https://applynow.capitalone.com/?productId=25583 💥👇 Hilton Honors Offer! (No Annual Fee) https://markscreditcards.com/referhiltonhonors 💥👇 Hilton Honors SURPASS Offer! https://markscreditcards.com/referhiltonsurpass 💥👇 Hilton Honors ASPIRE Offer! https://markscreditcards.com/referhiltonaspire 💥👇 Marriott Bonvoy BRILLIANT Offer! https://markscreditcards.com/referbonvoybrilliant 💥👇 Marriott Bonvoy BUSINESS Offer! https://markscreditcards.com/referbonvoybusiness 💥👇 Amex Blue Business PLUS Offer! https://markscreditcards.com/referamexbbp 💥👇 Amex Blue Business CASH Offer! https://markscreditcards.com/referamexbbc 💥👇 Wells Fargo Autograph https://markscreditcards.com/topcards 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 00:00 - Intro 00:26 - Chase Freedom Unlimited - Offer 1: Double Cash Back - Chase will double all the cash back you earned from spending on the card in Year 1. - Offer 2: Earn $200 cash back (20K Ultimate Rewards points) after spending $500 in 3 mo. Also earn 5% cash back on gas and groceries in Year 1 on up to $12K spend. 1:13 - Chase Freedom Flex - Earn $200 cash back (20K Ultimate Rewards points) after spending $500 in 3 mo. Also earn 5% cash back on gas and groceries in Year 1 on up to $12K spend. 2:24 - Disney Premier Visa Card - Earn a $400 statement credit after spending $1K in 3 mo. 3:01 - Chase Ink Business Unlimited - Earn $900 / 90K Ultimate Rewards points after spending $6K in 3 mo. 3:15 - Chase Ink Business Cash - Earn $900 / 90K Ultimate Rewards points after spending $6K in 3 mo. 3:27 - Chase Ink Business Preferred - Earn 100K Ultimate Rewards points after spending $8 in 3 mo. 4:47 - Capital One Venture X - Earn 90K miles after spending $4K in 3 mo. 7:19 - Hilton Honors Card (No Annual Fee) - Earn 100K Hilton points after spending $2K in 6 mo. - Expires 1.17.2024 7:46 - Hilton Honors Surpass - Earn 170K Hilton points after spending $3K in 6 mo. - Expires 1.17.2024 8:12 - Hilton Honors Aspire - Earn 180K Hilton points after spending $6K in 6 mo. - Expires 1.17.2024 8:36 - Marriott Bonvoy Brilliant - Earn 2 Free Night Awards (valued up to 85K points ea.) after spending $6K in 6 mo. - Expires 11.01.2023 9:05 - Marriott Bonvoy Business - Earn 125K Marriott points after spending $8K in 6 mo. - Expires 11.01.2023 9:40 - Amex Platinum Card - Earn 125K - 150K Membership Rewards points after spending $8K in 6 mo. (Targeted) 10:46 - Amex Gold Card - Earn 75K - 90K Membership Rewards points after spending $6K in 6 mo. (Targeted) 11:14 - Amex Blue Business Cash - Part 1: Earn a $250 statement credit after spending $5K in 6 mo. - Part 2: Earn another $250 statement credit after spending another $10K in the 1st year 12:00 - Amex Blue Business Plus - Earn 15K Membership Rewards points after spending $3K in 3 mo. 12:11 - Wells Fargo Autograph - Earn 30K points after spending $1,500 in 3 mo. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #bestcreditcards #creditcard #creditcards 2023-10-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343184/new-rules-how-to-get-100percent-approved-for-amex-credit-cards-amex-credit-card-application-rules-2024 https://gamma.videonest.org/343184_thumbnail_resized_v2.webp https://gamma.videonest.org/343184_video_v3_converted.mp4 NEW RULES! How to Get 100% APPROVED for Amex Credit Cards (Amex Credit Card Application Rules 2024) Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if your personal information has been leaked online! 🔐 Then learn the Amex application rules to increase your chances of getting approved for an American Express credit card! Click “Show More” to see Ad Disclosure. Ⓜ️ CARDMATCH - Check for Targeted Amex Platinum 125K - 150K Offer | Amex Gold 75K - 90K Offer | & More! https://markscreditcards.com/cardmatch 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🎬 VIDEO: Amex Platinum Card Easy to Get? https://youtu.be/vJ-5eM-pqAw 🎬 VIDEO: How Many Amex Cards Can You Have? https://youtu.be/tdSUo1h-ewY 🎬VIDEO: Amex Pop Up Window | Amex Pop Up Jail https://youtu.be/PpwLiesAzbo 00:00 - Intro 00:54 - General Requirements: You must be 18 years or older and be a U.S. resident. 1:15 - Amex Lifetime Rule: You can get a welcome offer on each Amex card once in your lifetime. However, Amex’s computer systems may only look back around 5 years. 3:12 - Amex Various Factors Rule: You may be denied for various factors, including your history with credit card balance transfers, your history with American Express, the number of cards that you have opened and closed, etc. 4:09 - Amex Pop Up Jail: A pop-up window notifying you that you’re ineligible for a welcome offer. 4:52 - Family Rules (General): You may get 1 welcome offer per card family, or multiple welcome offers based on the cards you’ve opened before. 5:24 - Family Rule (Delta): You may not be eligible for a welcome offer on a Delta credit card based on the one(s) you’ve had before. 8:14 - Family Rule (Marriott): You may not be eligible for a welcome offer on a Marriott Bonvoy credit card based on the one(s) you’ve had before. 10:00 - Family Rule (Amex Platinum, 3 versions): You may not be eligible for a welcome offer on the Amex Platinum Cards based on the one(s) you’ve had before. 10:51 - Family Rule (Amex Gold): You may not be eligible for a welcome offer on the Amex Gold Card if you’ve already gotten a welcome offer on the Amex Platinum Card. 11:22 - Family Rule (Amex Blue Cash Everyday) 11:41 - Family Rule (AmexEveryDay) 11:57 - A Warning… 12:11 - CardMatch: Check for Amex Gold 75K, Amex Gold 90K, Amex Platinum 125K, and Amex Platinum 150K offers. 12:42 - 1/5 Rule: You can get 1 Amex credit card every 5 days. 13:00 - 2/90 Rule: You can get 2 Amex credit cards every 90 days. 13:25 - 4-5 Credit Card Rule: You can get a maximum of 4-5 Amex credit cards. 14:06 - 10 Charge Card Rule: You can get a maximum of 10 Amex charge cards. 14:36 - Amex Credit Score Requirements 15:31 - Amex Soft Pull vs. Hard Pull 16:32 - Rule Summary 16:48 - Steps to Apply (What I Do) 17:38 - Amex Reconsideration Line: If your application goes to ‘pending’ or gets denied, consider calling the Reconsideration Line to see if an underwriter can turn the decision around into an approval. Phone #: 1 (800) 567-1083 Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amex #americanexpress #creditcards 2023-10-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343185/big-changes-amex-business-gold-card-worth-dollar375-full-review https://gamma.videonest.org/343185_thumbnail_resized_v2.webp https://gamma.videonest.org/343185_video_v3.mp4 BIG CHANGES: Amex Business Gold Card Worth $375?! (Full Review) The Amex Business Gold Card has CHANGED in a BIG way! Learn about the new annual fee, rewards structure, and benefits to determine if you should apply! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW BUSINESS CARD OFFERS! https://markscreditcards.com/businesscards 💳👇 VIEW OTHER CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura WELCOME OFFER (Oct. 2023) You can earn 70,000 Amex Membership Rewards points after spending $10K on purchases in the first 3 months. Value = $700+ towards flights. Note that higher offers may be available on a targeted basis. ANNUAL FEE = $375 (starting 2.01.2023) | $295 (thru 1.31.2024) EARN AMEX POINTS - 4X Top 2 Spend Categories* Each Billing Cycle (Up to $150K/yr.) - 3X Flights - 3X Prepaid Hotels via AmexTravel.com - 3X Prepaid Hotel + Flight Packages via AmexTravel.com - 1X Other Purchases * ELIGIBLE 4X POINT CATEGORIES 1. Transit: Incl. trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. 2. U.S. Gas Stations 3. U.S. Restaurants, incl. takeout & delivery. 4. U.S. Media Providers for Advertising (online, TV, radio) 5. U.S. Electronic Goods Providers and Software & Cloud System Providers 6. U.S. Wireless Phone Providers - Learn more about Amex rewards categories here: https://www.americanexpress.com/us/rewards-info/business.html REDEEM AMEX POINTS - Travel (Transfer Partners): 1.7¢ per point, avg. - Travel (Amex Portal): 0.7¢ per point for Hotels, Car Rentals, Cruises and Vacations. 1.0¢ per point for Flights. - Cash Back (Statement Credit): 0.6¢ per point Amex Transfer Partners (As of Oct. 2023) Airlines - Aer Lingus AerClub - Aeromexico Club Premier - Air Canada Aeroplan - Air France KLM Flying Blue - ANA Mileage Club - Avianca LifeMiles - British Airways Executive Club - Cathay Pacific Asia Miles - Delta Air Lines SkyMiles - Emirates Skywards - Etihad Guest - Hawaiian Airlines HawaiianMiles - Iberia Plus - JetBlue TrueBlue - Qantas Frequent Flier - Qatar Airways Privilege Club - Singapore Airlines KrisFlyer - Virgin Atlantic Flying Club Hotels - Choice Privileges - Hilton Honors - Marriott Bonvoy AMEX BUSINESS GOLD CARD BENEFITS - $240 Flexible Business Credit: Issued as up to $20/mo. in statement credits for purchases at FedEx, Grubhub, and office supply stores - $155 Walmart+ Credit: Issued as $12.95 + taxes per month as a statement credit for monthly Walmart+ memberships - 25% Airline Bonus (ending 1.31.2024) - The Hotel Collection - Connect to QuickBooks - Vendor Pay by Bill.com - Amex Pay Over Time - No Preset Spending Limit - Add Employee Cards (Starting 2.01.2023, the cost is $95 for up to the first 5, then $95 each) - No Foreign Transaction Fees INSURANCE AND PROTECTIONS - Baggage Insurance Plan - Trip Delay Insurance - Car Rental Loss and Damage Insurance - Purchase Protection - Extended Warranty - Cell Phone Protection IS IT WORTH IT? YES if you… - Have high monthly spend / operating costs. - Own a business that spends in the eligible 4X categories: Gas, transit, restaurants, advertising, electronics / software / cloud, wireless phone // EXAMPLES: Attorneys, Plumbers, HVAC, Chiropractors, Dentists, Massage Therapists, Yoga Studios, Acupuncturists, Restaurant Owners, Commercial Truck Drivers, Uber / Lyft Contractors, Marketing Agencies, Tech Companies, etc. - Prefer travel rewards over cash back. - Want strong insurance protections. NO if you… - Don’t have high monthly spend. - Would spend mostly in the 1X categories. - Prefer cash back over travel rewards. - Need time to float balances at low cost while waiting for invoice payments. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amex #americanexpress #businesscredit 2023-10-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343186/100percent-confirmed-wells-fargo-autograph-transfer-partners-coming-soon https://gamma.videonest.org/343186_thumbnail_resized_v2.webp https://gamma.videonest.org/343186_video_v3_converted.mp4 100% CONFIRMED: Wells Fargo Autograph Transfer Partners! (Coming Soon) BREAKING: The Wells Fargo Autograph Card is getting transfer partners starting November 15, 2023! Learn why this is HUGE NEWS for anyone looking for a travel credit card to save money on their next trip! Click “Show More” to see Ad Disclosure. 💳💥 SEE WELLS FARGO AUTOGRAPH OFFER! https://markscreditcards.com/topcards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join Effective November 15, 2023, the Wells Fargo Autograph card might become a lot more valuable! Here’s what I saw on my most recent credit card statement… “A new online redemption option will be available for all Points-based Wells Fargo Credit Cards called Points Transfer. With Points Transfer, You will be able to redeem Your Points to transfer as miles, points or credits to participate in partner loyalty transfer programs.” While we don’t yet know which Wells Fargo transfer partners will be available, it sounds like at least some of them will have a 1:1 transfer ratio. We can only hope that they will be the same ones as seen on the Bilt Mastercard, but of course, Bilt / Wells Fargo wouldn’t want to sabotage that program either. Stay tuned for more details coming from Wells Fargo and their revamped rewards program! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #wellsfargo #creditcard #creditcards 2023-10-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343187/big-changes-citi-aadvantage-executive-world-elite-mastercard-full-review https://gamma.videonest.org/343187_thumbnail_resized_v2.webp https://gamma.videonest.org/343187_video_v3_converted.mp4 BIG CHANGES: Citi AAdvantage Executive World Elite Mastercard (Full Review) MASSIVE changes to the Citi AAdvantage Executive Card have arrived! Learn about the new rewards structure, benefits, annual fee, and more to see if this airline credit card is right for you! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO: Are Airline Credit Cards Worth it? https://youtu.be/WhOdp8Qfyus WELCOME OFFER (Oct. 2023) Earn 70,000 miles after spending $7K on purchases in the first 3 months. Average value = $980 towards AA flights. ANNUAL FEE = $595 EARN AMERICAN AIRLINES MILES - 10X Hotels, booked via aa.com/hotels - 10X Car Rentals, booked via aa.com/cars - 4X American Airlines, purchased directly with AA (Note: This becomes 5X after spending $150K per calendar year) - 1X Other Purchases REDEEM AMERICAN AIRLINES MILES - Flights: 1.4¢ per mile (average) BENEFITS 1. American Airlines Admirals Club Membership - Primary cardholders receive FULL membership access, incl. Admirals Clubs AND other airline lounges & clubs with which AA has reciprocal benefits. - Guests: You may bring either… - Immediate family (spouse, domestic partner, and/or children under 18). - OR up to 2 guests traveling with Primary Cardholder or Authorized User. Authorized Users - Receive limited membership access (i.e. Admirals Clubs only, not partner locations) - Have the same guesting privileges. - Cost = $175 (covers up to 3 AUs), then $175 each for additional AUs. American Airlines Admirals Club Price, Access, Guests, etc. https://www.aa.com/i18n/travel-info/clubs/admirals-club-membership.jsp 2. Free Checked Bag - Valid on domestic itineraries - Includes you + up to 8 companions on the same reservation 3. Enhanced Airport Experience (‘Priority Lanes’) The following benefits are given to the Primary Cardholder + up to 8 companions on the same reservation: - Priority Check-In (i.e. expedited airport check-in lines) - Priority Airport Screening (i.e. expedited security lines) - Priority Boarding (currently Group 4) - NOTE: Authorized Users do not get these benefits on their own 4. 25% Off Inflight Purchases, valid on food & beverage purchases 5. Up to $100 TSA PreCheck / Global Entry Credit every 4 years 6. Earn American Airlines Loyalty Points - Earn 1 Loyalty Points per $1 spent 7. Loyalty Points Bonuses – Up to 20,000 - Earn 10,000 Loyalty Point Bonus after reaching 50,000 total Loyalty Points per qualification year (Mar. 01 – Feb. 28). - Earn another 10,000 Loyalty Point Bonus after reaching 90,000 total Loyalty Points in the same qualification year (Mar. 01 – Feb. 28). 8. Concierge: Get help from experts to plan travel or get help with shopping, dining reservations, tickets to shows, and more. 9. No Foreign Transaction Fees 10. Up to $120 in Lyft Credits 11. Up to $120 Grubhub Statement Credit 12. Up to $120 Avis or Budget Statement Credit INSURANCE & PROTECTIONS https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&ved=2ahUKEwjuwv-Att2BAxVTnWoFHaX-DGwQFnoECBMQAQ&url=https%3A%2F%2Fwww.cardbenefits.citi.com%2F-%2Fmedia%2FCPP%2FFiles%2FLegalDocs%2FSOAPI%2FPID93_AAExec_CRE119_GTPB_0723_tagged.ashx&usg=AOvVaw1KKL2As1iGP1nEZarjXLJ9&opi=89978449 SHOULD YOU GET THIS CREDIT CARD? YES if you… - Fly AA moderately (not enough to earn status) and want elite-like benefits. - Fly AA frequently (enough to earn status) & want to achieve a higher level of status (via spend & Loyalty Point bonuses). - Want an Admirals Club membership. NO if you… - Fly AA infrequently (or not at all). - Wouldn’t use the Admirals Club enough to justify a full membership. - Don’t want / need priority benefits. - Find the benefits from lower-fee AA cards are sufficient for you. - Prefer more flexible / transferrable rewards. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanairlines #airlinecreditcards #travelcreditcards 2023-10-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343188/whats-in-my-wallet-q4-2023-or-credit-card-strategy-2023 https://gamma.videonest.org/343188_thumbnail_resized_v2.webp https://gamma.videonest.org/343188_video_v3_converted.mp4 WHAT’S IN MY WALLET Q4 2023 | Credit Card Strategy 2023 Take a look inside my wallet to see which credit cards I’m using for Q4 2023! This time I’ve got a BIG focus on cash back credit cards, striving for a 5% rate as often as I can! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💥👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 💳👇 DISCOVER IT $50 BONUS! https://markscreditcards.com/referdiscoverit 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 00:00 - Intro 00:15 - Card #1 2:24 - Card #2 4:13 - Card #3 7:45 - Card #4 10:42 - Card #5 12:31 - Card #6 14:15 - Card #7 Here’s my best credit card strategy for Q4 2023! 1. Amex Gold Card: Fantastic card for food! I’ll be earning 4X on groceries at U.S. Supermarkets and redeeming my Amex Membership Rewards points for cash back via my Amex Platinum Card for Schwab (it gives me a 1.1¢ per point value, so a 4.4% overall return on grocery spend). 2. Bilt Mastercard: My top choice to pay rent (1X), earn rewards on dining (3X), and avoid the transaction fee on most rent payments! An excellent travel credit card with no annual fee and top-notch transfer partners. 3. Discover it Cash Back credit card: Right now, this credit card is earning 5% cash back at Amazon and Target on up to $1,500 in combined spend for the quarter. These are 2 retailers I use a lot. Remember to activate the categories. 4. Chase Freedom 5%: This is the original Chase Freedom card that runs on the Visa card network. It’s earning 5% back via PayPal, Wholesale Clubs, and Select Charities on up to $1,500 in combined spend for the quarter. A great choice for earning cash back on my Costco runs! (I wish I could’ve used the Chase Freedom Flex, but that one is a Mastercard and therefore isn’t accepted at Costco.) Remember to activate the categories, too. 5. U.S. Bank Cash Plus: This one allows me to earn 5% cash back on TV, Internet, and Streaming as well as on Home Utilities. A unique credit card that covers categories not seen on many other cards! 6. Citi Custom Cash Card: This one allows you to earn 5% cash back on your Top Spend category for each billing cycle, on up to $500 for that cycle, from a preset list of 10 different categories. For me, I’ll be using the card only for gas stations to guarantee it earns 5% there. 7. Citi Double Cash Card: For my purchases that would normally earn 1% on other cards, I’ll be using the Citi Double Cash to earn 2% instead. It earns 1% when you buy and 1% when you pay your bill. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #whatsinmywallet #bestcreditcards #creditcards 2023-10-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343189/i-was-wrong-bank-of-america-credit-card-major-secret-3281percent-on-everything https://gamma.videonest.org/343189_thumbnail_resized_v2.webp https://gamma.videonest.org/343189_video_v3_converted.mp4 I WAS WRONG: Bank of America Credit Card MAJOR Secret (3.281% on EVERYTHING?!) I just UNLEASHED HUGE VALUE for Bank of America Credit Cards! Learn these 2 little-known benefits that almost no one is talking about to redeem Bank of America points for MAXIMUM VALUE! Click “Show More” to see Ad Disclosure, links, and additional information below. 💥👇 View 2 BOA Card Offers Here! http://markscreditcards.com/travelcards 💳👇 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join There are 3 main travel credit cards issued by Bank of America. They are: - Bank of America Travel Rewards credit card - Bank of America Premium Rewards credit card - Bank of America Premium Rewards Elite credit card Each one of these credit cards earn the same type of points, and for (YEARS?) I had no idea that you can COMBINE Bank of America points across your cards! I have two Bank of America credit cards (the Premium Rewards and the Premium Rewards Elite), and I was able to transfer points from one card to the other. While I don’t have the BOA Travel Rewards card, it’s my assumption that you can do the same with that card, too, but I haven’t been able to try it. And it gets even better! If you send all your Bank of America points to the Premium Rewards Elite side, that card also gives you 20% off on flights when redeeming points via the BOA Travel Center portal! That makes Bank of America points worth 1.25¢ each towards flights! And ON TOP OF THAT… The Bank of America Preferred Rewards program allows you to accelerate your credit card earning potential, getting a 25%, 50%, or 75% bonus on the rewards multipliers of your card based on your tier in the program. Learn more about the Bank of America Preferred Rewards program at this link: https://promotions.bankofamerica.com/preferredrewards/en IN CONCLUSION… You can get the 3 Bank of America travel credit cards with their signup bonuses, enroll in the Preferred Rewards program, pool all the points together, and redeem them collectively at a 20% discount for your next flight! For these reasons, I now see Bank of America credit cards as making sense if… (a) You’re on TEAM CASH BACK at the Preferred Rewards PLATINUM HONORS tier or higher and redeem your points for CASH BACK. Or… (b) You’re on TEAM TRAVEL at the Preferred Rewards PLATINUM tier or higher, have the Premium Rewards ELITE credit card, and redeem your points for FLIGHTS. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bankofamerica 2023-09-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343190/why-40-million-people-should-get-the-bilt-credit-card-5-reasons https://gamma.videonest.org/343190_thumbnail_resized_v2.webp https://gamma.videonest.org/343190_video_v3.mp4 Why 40 MILLION People Should Get the Bilt Credit Card! (5 Reasons) The Bilt Mastercard allows you to pay rent with a credit card WITHOUT a transaction fee while earning valuable rewards! Click “Show More” to see Ad Disclosure, links, and additional information below. 💥👇 GET THE BILT MASTERCARD! http://markscreditcards.com/bilt Use the card 5 times each statement period to earn points. Terms Apply: https://www.wellsfargo.com/credit-cards/bilt/terms/ 💳👇 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks https://markscreditcards.com/join 🎬 VIDEO – Bilt Credit Card Review - Beginner's Guide to EVERY Benefit You Need to Know: https://youtu.be/y6z9ucu8Cms 🎬 VIDEO – Bilt Credit Card Unboxing: https://youtu.be/15PcitqdoY4 🎬 VIDEO – WATCH ME APPLY Bilt Credit Card https://youtu.be/bFuM2pABkg0 🔗 ARTICLE - Statista – “U.S. Apartments - statistics & facts” https://www.statista.com/topics/5172/apartments-in-the-us/#topicOverview 00:00 - Intro 00:20 - Reason #1 3:00 - Reason #2 3:59 - Reason #3 7:41 - Reason #4 9:09 - Reason #5 How to Pay Rent With a Credit Card? Answer: BILT! REASON #1: Earn rewards on rent with ZERO transaction fee! You can pay rent with the Bilt Credit Card with NO fee! This is because the Bilt Credit Card comes with a Bilt Rent Account, which gives you an Account Number and Routing Number (like a checking account). How to Pay Rent With Bilt Credit Card 1. Tap on Pay Rent tab 2. Select Pay Rent Online tab 3. Get Routing # and Account # 4. Go to your online rent portal 5. Add a bank account (checking), using your Routing # and Account # 6. Pay rent! REASON #2: Useful rewards caetegories with a $0 annual fee! The Bilt Mastercard earns Bilt Points in the following way: - Up to 5X Lyft (2X as a Bilt Member + 3X pay via Bilt Mastercard) - 3X Dining* - 2X Travel* (Booked directly or via Bilt Travel Portal - 1X Rent Payments* (Up to 100,000 points per calendar year) - 1X Other Purchases* *NOTE: Use the card at least 5 times per billing cycle to earn points. Bilt Mastercard Rewards & Benefits: https://www.biltrewards.com/terms/rewards-and-benefits Bilt Mastercard Terms & Conditions https://www.wellsfargo.com/credit-cards/bilt/terms/ REASON #3: Boost your rewards with Rent Day! On the first of every month, all of your rewards categories double (exception = rent, which remains at 1X), allowing you to earn up to 10,000 points on that day. On Bilt Rent Day, there are also a bunch of additional ways to earn Bilt Points, including: - Rent Free Game Show: Chance to win free rent for a month! - Giveaways & Promotions - SoulCycle Rent Day Rides: Book a complimentary bike for a SoulCycle indoor cycling workout. - Point Quest Trivia: Play a trivia game & earn bonus points. This month (September), Bilt is introducing a new part of their platform, Bilt Experiences, to give you future rewards opportunities for exclusive dining reservations, concert tickets, sporting event tickets, happy hours, and more! For this month, the focus is on sporting events, whereby you can redeem Bilt Points for stadium seats or suites at NFL games. Furthermore, you can earn 5X Bilt Points for ANY sporting event paid for with the Bilt Mastercard. Terms apply. REASON #4: Earn some of the most valuable travel points ever made! Bilt Points are worth 1.25¢ each towards travel booked via the Bilt Travel portal. There are also a bunch of fantastic Bilt Transfer Partners, including American Airlines, Air Canada, Turkish Airlines, and World of Hyatt! REASON #5: Pay rent from your checking account and STILL earn rewards on rent! For anyone who prefers to live a cash-based lifestyle, you can use the Bilt Credit Card like a debit card. With the BiltProtect Debit feature, your rent payment will be withdrawn from your linked checking account, avoid posting to your Bilt Mastercard, and you’ll STILL earn 1X points! Furthermore, you can also pay rent via paper check. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bilt 2023-09-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343191/act-now-90k-chase-ink-cash-and-unlimited-with-no-business-best-business-credit-cards-2023 https://gamma.videonest.org/343191_thumbnail_resized_v2.webp https://gamma.videonest.org/343191_video_v3.mp4 ACT NOW! 90K Chase Ink Cash & Unlimited with NO BUSINESS?! (Best Business Credit Cards 2023) 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - Beginner’s Guide to Transfer Partners for BIG Value https://youtu.be/ae1WayyrwnE 🎬 VIDEO - Chase 5/24 Rule Explained https://youtu.be/muJEN8C86JY Two Chase Ink Business credit cards have new welcome offers that match their highest ever! You can now earn 90K Chase Ultimate Rewards points after spending $6K in the first 3 months on both the Chase Ink Business Cash and Chase Ink Business Unlimited. The value of these points is $900 for cash back or $900+ towards travel via the Chase Travel portal. The way to make them worth even more towards travel is by combining these cards with the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred. Doing that will give you a 25% - 50% boost and unlock Chase transfer partners, too! Fortunately, you don’t need a standard “business” to qualify. That is, there’s no requirement to have an LLC, partnership, or corporation. You can apply as an individual (i.e. as a sole proprietorship) and use your SSN instead of an EIN. As long as you have a side hustle / make money outside of a 9-5 job, then you may be eligible to apply for a business credit card. The Chase Ink Cash also earns points in the following categories: - 5% Lyft Rides (thru 3.31.2025) - 5% Office Supply Stores* - 5% Internet, Cable, Phone Services* - 2% Gas Stations** - 2% Restaurants** - 1% Other Purchases * Earn 5% on the first $25K in combined purchases per account anniversary year. ** Earn 2% on the first $25K in combined purchases per account anniversary year. The annual fee is $95. The Chase Ink Unlimited earns points in the following categories: - 5% Lyft Rides (thru 3.31.2025) - 1.5% All Purchases Chase Ultimate Rewards points are worth 1.7¢ each (on average) when redeemed via Chase Transfer Partners, 1.25¢ each via the Chase Pay Yourself Back feature (those categories can change over time, currently select charities thru 12.31.2023), and 1.0¢ each as cash back (i.e. statement credit or deposit to a checking account or savings account). CHASE TRANSFER PARTNERS Airlines - Aer Lingus AerClub - Air Canada Aeroplan - British Airways Executive Club - Air France-KLM Flying Blue - Emirates Skywards - Iberia Plus - JetBlue TrueBlue - Singapore Airlines KrisFlyer - Southwest Airlines Rapid Rewards - United MileagePlus - Virgin Atlantic Flying Club Hotels - IHG One Rewards - Marriott Bonvoy - World of Hyatt MAIN BENEFITS You can add employee cards at no additional cost, business insights, separate your business expenses from your personal expenses, customizable alerts. INSURANCE PROTECTIONS - Auto Rental Collision Damage Waiver (primary for business purposes) - Travel & Emergency Assistance Services - Roadside Dispatch - Purchase Protection: Up to 120 days | $10K/claim | $50K/account - Extended Warranty: 1 additional year on manufacturer warranties of 3 years or less Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #businesscredit 2023-09-21T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343192/outdated-4-new-amex-credit-card-rules-you-must-know-in-2024 https://gamma.videonest.org/343192_thumbnail_resized_v2.webp https://gamma.videonest.org/343192_video_v3_converted.mp4 [OUTDATED] 4 NEW Amex Credit Card Rules You MUST Know in 2024 NEW RULES are HERE for the Amex Platinum Card and Delta SkyMiles credit cards, including restrictions to Delta Sky Club access! Learn these new rules BEFORE you apply. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 00:00 - Intro 00:22 - New Rule #1 1:54 - New Rule #2 5:34 - New Rule #3 9:38 - New Rule #4 NEW RULE #1 – Amex Platinum Card Family Rule The Amex Platinum Card has new restrictions that may prevent you from getting the welcome offer on different versions of the card (e.g. the Schwab Platinum Card, Morgan Stanley Platinum Card, etc.). Here’s what the Offer Terms now say on the regular / vanilla Platinum Card: “You may not be eligible to receive a welcome offer if you have or have had this Card, the Platinum Card from American Express Exclusively for Charles Schwab, the Platinum Card from American Express Exclusively for Morgan Stanley or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.” The language may vary slightly on each version. As of the posting of this video, I did not see similar language for the Morgan Stanley version. However, I'd still be cautious. NEW RULE #2 – Amex Platinum Card Delta Sky Club Access Starting February 01, 2025, the American Express Platinum Card will issue 6 complimentary visits to Delta Sky Clubs per Program Year (Feb. 01 – Jan. 31). You can get unlimited access if you spend $75,000 on your Amex Platinum Card per Calendar Year. Note: Amex will begin tracking your spend in the year prior (example: Spend $75K from Jan. 01 - Dec. 31, 2024) to unlock access in 2025. - Source: https://www.delta.com/us/en/delta-sky-club/access NEW RULE #3 – Delta SkyMiles Credit Card Family Rule All of the personal Delta credit cards have restrictive language in their Offer Terms. This include the Delta SkyMiles Blue, Delta SkyMiles Gold, Delta SkyMiles Platinum, and Delta SkyMiles Reserve cards. Be sure to read them prior to applying for any of the cards to understand if you’re eligible for the welcome offer. NEW RULE #4 – Delta SkyMiles Credit Cards: Access to Delta Sky Clubs Starting Jan. 01, 2024, the Delta SkyMiles Platinum Amex card will no longer offer any access to Delta Sky Clubs. Only the Delta SkyMiles Reserve Card will grant you access up to 10 complimentary visits per Program Year (Feb. 01 – Jan. 31). Similar to the Amex Platinum Card, you can get unlimited access if you spend $75,000 on your Delta Reserve Card per Calendar Year. You’ll still receive 2 complimentary guest passes per Cardmember Year. - Source: https://www.delta.com/us/en/delta-sky-club/access Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may be targeted or longer be available. Mark Reese is not a financial advisor. #amex #americanexpress #creditcards 2023-09-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343193/breaking-5-all-new-credit-cards-coming-in-2023-us-only https://gamma.videonest.org/343193_thumbnail_resized_v2.webp https://gamma.videonest.org/343193_video_v3_converted.mp4 BREAKING: 5 ALL NEW Credit Cards Coming In 2023?! (U.S. only) It looks like 5 NEW credit cards are coming to the U.S. market by the end of 2023! Find out what we know so far and get your wallets ready! Click “Show More” to see Ad Disclosure. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 00:00 - Intro 1:10 - Cards 1 & 2 (Citi Strata Premier | Citi Strata Elite) - We’ve been waiting for a replacement to the discontinued Citi Prestige Card, and it looks like we’re about to get it! The Citi Strata Elite is the planned successor. It will be a premium travel credit card, likely with elevated benefits like airport lounge access, credits to use with partner merchants (I'd imagine like what we now see on the Citi AAdvantage Executive World Elite Mastercard), and hopefully strong rewards multipliers to compete with (or outperform) the Amex Platinum Card, Chase Sapphire Reserve, or the Capital One Venture X. My guess is that the current Citi Premier card will be rebranded (perhaps changed to some degree) to become the new Citi Strata Premier card. It will then become the mid-tier travel credit card offered by Citi. 4:47 - Cards 3, 4 & 5 (Wells Fargo Signify Business Cash, Essential, Elite) – Wells Fargo is launching 3 new business credit cards with the following names: Wells Fargo Signify Business Cash Mastercard, Wells Fargo Signify Business Essential Mastercard, and the Wells Fargo Signify Business Elite Mastercard. Each one will apparently offer a complimentary Priority Pass membership, given that the landing page to enroll is already live at this link: https://www.prioritypass.com/wellsfargosignify Wells Fargo has been doing a GREAT job with reimagining their consumer credit cards so far. The Wells Fargo Active Cash is an excellent 2% cash back credit card, the Wells Fargo Autograph offers a bunch of high-value 3X point categories, and the Bilt Mastercard is one of the best travel credit cards available right now, even allowing you to pay rent without a transaction fee! All 3 of these cards have no annual fee. Bilt Mastercard terms: wellsfargo.com/credit-cards/bilt/terms Bilt Mastercard Rewards and Benefits: https://www.biltrewards.com/terms/rewards-and-benefits 8:58 - [Rumor] Card 6 ($250-$450 World of Hyatt credit card) – There’s talk that Chase / World of Hyatt may launch a premium Hyatt credit card in the future. Some users have been targeted with a survey from Chase asking about different benefits. The options mentioned on the blog post on FlyerTalk are as follows: - Increased annual fee: $250, $350, or $450 - 3x points on your Top 2 spend categories - 10 Elite Qualifying Nights (EQNs) credit instead of 5 EQNs - Annual Cat. 1-5 free night certificate instead of Cat. 1-4 - $25K spend to earn an additional Cat. 1-5 certificate - Ability to combine Cat. 1-4 certs to higher value certificates (options include 1-6, 1-8) - Ability to extend free night certificates via spend or a flat 5,000 point fee - Statement credits for Hyatt stays and on-premise expenses (e.g. F&B) - World of Hyatt Explorist status for your first cardmember year, then Hyatt Discoverist thereafter - Doubled milestone rewards post-60 nights (20k pts or 2 Suite Upgrade Awards per 10 nights) Source: https://www.flyertalk.com/forum/hyatt-world-hyatt/2134749-new-woh-premium-card-survey.html Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com and YourBestCreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #newcreditcard 2023-09-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343194/5-amex-secrets-that-99percent-of-people-dont-know-part-1 https://gamma.videonest.org/343194_thumbnail_resized_v2.webp https://gamma.videonest.org/343194_video_v3.mp4 5 Amex SECRETS That 99% of People Don’t Know (Part 1) Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if your personal information has been leaked online! 🔐 Then learn these 5 Amex credit card secrets so you can get maximum value! Click “Show More” to see Ad Disclosure. Ⓜ️ CARDMATCH - Check for Targeted Amex Platinum 125K - 150K Offer and Amex Gold 75K - 90K Offer! https://markscreditcards.com/cardmatch 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - Beginner’s Guide to Credit Card Transfer Partners https://youtu.be/ae1WayyrwnE 🎬 VIDEO - How to Get Amex Platinum 150K Offer https://youtu.be/0B1VkNKtEVM 🎬 VIDEO - How to Get Amex Gold 90K Offer https://youtu.be/pW6nLiXPXR0 🎬 VIDEO - How Does Rakuten Work / How to Use Rakuten https://youtu.be/bmhc8X_rZPE 🎬 VIDEO - Is the Amex Platinum Card EASY to Get?! https://youtu.be/vJ-5eM-pqAw 00:00 - Intro 00:39 - SECRET #1 5:02 - SECRET #2 8:29 - SECRET #3 11:14 - SECRET #4 13:31 - SECRET #5 15:22 - BONUS! (SECRET #6) Amex Credit Card Secret #1: Points are automatically combined into 1 balance. When you earn Amex Membership Rewards points on a personal credit card (like the Amex Platinum Card or Amex Gold Card) or a business credit card (like the Amex Blue Business Plus or Amex Business Gold Card), ALL POINTS are pooled together into 1 balance as long as all of these cards are added to the same online account. This allows you to earn Amex points a lot faster by using the card that earns the most points for a particular puchase, and also to redeem for much larger redemptions. Amex Credit Card Secret #2: You can get multiple Amex credit card with 1 inquiry! This is AWESOME because hard inquiries on your credit report can hurt your credit score. So, by avoiding more hard inquiries, you’re able to better maintain a higher credit score. It can also help increase your approval odds because some banks may deny your credit card application due to too many recent inquiries. Amex Credit Card Secret #3: There’s only 1 way to redeem points for great value (select travel). Redeeming Amex points for maximum value is nearly always done via Amex transfer partners. This does require some time and strategy to build a favorable itinerary. Amex Credit Card Secret #4: Amex welcome offers can vary widely (even on the same card at the same time). If you don’t need an Amex credit card right away, it can be best to wait until you get targeted with a higher-than-normal offer. Amex Credit Card Secret #5: Amex Offers can double your rewards (or better)…and they’re stackable. You can earn credit card rewards, Amex Offers, and shopping portals like Rakuten together to stack multiple rewards together. Note: Amex Offers are different than welcome offers / signup bonuses. Amex Credit Card Secret #6 (Bonus!): Amex charge cards tend to be easier to get (referring to Amex cards with no preset limit, like the Amex Green Card or Amex Gold Card or Amex Platinum Card). Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com and YourBestCreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amex #americanexpress #creditcards 2023-09-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343195/the-7-best-credit-cards-for-beginners-2023-start-here https://gamma.videonest.org/343195_thumbnail_resized_v2.webp https://gamma.videonest.org/343195_video_v3.mp4 The 7 BEST Credit Cards for Beginners 2023! (Start Here) Looking for a credit card to build credit and earn rewards? Here are my TOP 7 PICKS for the BEST starter credit cards of 2023! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳💥 VIEW CREDIT CARD OFFERS!💥💳 https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 00:00 - Intro 1:18 - True Beginner Cards 2:12 - Card #1 4:03 - Card #2 7:07 - Card #3 9:52 - Card #4 11:43 - Card #5 13:41 - Card #6 15:03 - Card #7 If you’re a beginner to credit cards and looking to build credit for the first time, you’ll likely want to begin with credit cards with easy approvals. If you’re enrolled in a university, consider student credit cards by Capital One, Discover, and Bank of America. Otherwise, you can look into secured credit cards by the same banks (and also U.S. Bank). My Top 7 Picks for the best beginner credit cards include the following: 1. Chase Freedom Rise - This is a really unique Chase credit card in that it’s designed for beginners (but it’s not exclusively for students and it’s not a secured credit card). You can increase your approvals chances by first opening a Chase checking account and having a balance of $250 or more. You can also earn a $25 bonus by enrolling in automatic payments and be eligible for a credit limit increase as soon as 6 months. The following credit cards will likely be easier to get after building credit for about 1 year: 2. Chase Freedom Flex - This cash back credit card is excellent for rotating quarterly rewards that cover useful, everyday spend categories. 3. Capital One SavorOne Rewards - A great choice if you spend a lot at restaurants, supermarkets, and on entertainment. 4. Amex Blue Cash Everyday - Perhaps the best credit card for online shopping. 5. Discover it Cash Back - Another excellent card with rotating quarterly rewards in useful categories. 6. Bank of America Customized Cash Rewards - Choose your own 3% cash back category. 7. Citi Custom Cash - Automatically earn 5% in your top-spend category each billing cycle. All of choices mentioned in this video are credit cards with NO annual fee, meaning they’re excellent long-term keeper cards as you build your credit score and credit history over the months and years to come. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #creditcardsforbeginners 2023-09-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343196/expired-how-to-get-5-free-nights-at-atlantis-bahamas-every-year-full-guide https://gamma.videonest.org/343196_thumbnail_resized_v2.webp https://gamma.videonest.org/343196_video_v3.mp4 [EXPIRED] How to Get 5 FREE NIGHTS at Atlantis Bahamas Every Year! (Full Guide) Want a FREE STAY at the Atlantis Paradise Island Bahamas? Here are the exact steps to make it happen so you can SAVE HUNDREDS on your next summer vacation in the Caribbean! Click “Show More” to see Ad Disclosure. 💳👉 VIEW OTHER CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join Many people don’t realize that Wyndham and Caesars have a special partnership, and that with the right level of status, you can get a free stay at Atlantis Paradise Island Bahamas EVERY YEAR! Do note that “free stay” does not mean “free trip.” There are still costs involved even though the base room rate is $0.00. However, there are still plenty of methods to use credit card rewards to significantly reduce your out-of-pockets costs. Even better, the Caesars status match process is very simple. It involves achieving elite status with Wyndham Rewards, matching that status to Caesars Rewards, and then calling the Atlantis Casino VIP Services line to book your trip. I did it for the first time in August 2023 for 4 nights and had a fantastic time. Now it’s time to learn how to do it yourself! 00:00 - Intro 00:34 - STEP 0: Sign Up for FREE Accounts with Caesars Rewards and Wyndham Rewards if you haven’t already done so. You’ll need your loyalty account numbers for each one ready for the Wyndham-Caesars status match in the next steps. 1:04 - Overview 2:02 - STEP 1: Get Wyndham Rewards Elite Status (Platinum or Diamond). You can do this the traditional way by staying the required number of nights, etc. However, a much easier and faster method is by applying and getting approved for the Wyndham Rewards Earner Plus Card for automatic Platinum status or the Wyndham Rewards Earner Business Card for automatic Diamond status. 2:38 - STEP 2: Caesars Status Match (Platinum or Diamond). Go to this link to start the process: https://www.caesars.com/myrewards/partners/wyndham_resorts You’ll be matching your Wyndham Rewards status to Caesars Rewards. 3:44 - Taking Too Long? Do THIS! Go to the Wyndham Rewards website to contact the support team. They’ll be able to assist in expediting the Wyndham-Caesars status match. 6:10 - What You Get: Caesars Platinum Atlantis Package. Go to this link to learn more about the available packages: https://www.caesars.com/myrewards/partners/atlantis-paradise-island 7:10 - What You Get: Caesars Diamond Atlantis Package. Go to this link to learn more about the available packages: https://www.caesars.com/myrewards/partners/atlantis-paradise-island 8:20 - What You Get: Side by Side Comparison 8:38 - STEP 3: Call to Book Your Trip! 10:49 - Summary So Far… 11:18 - Additional Costs 15:47 - Q&A 18:46 - Summary 18:57 - Credit Cards With No Foreign Transaction Fees 19:44 - VIDEO TOUR! (Room & Hotel) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #atlantisbahamas #bahamas #caribbean 2023-09-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343197/i-was-double-denied-for-a-citi-credit-card-dont-make-this-mistake https://gamma.videonest.org/343197_thumbnail_resized_v2.webp https://gamma.videonest.org/343197_video_v3_converted.mp4 I Was DOUBLE DENIED for a Citi Credit Card! (Don’t Make This MISTAKE…) DON’T make this mistake! I got denied TWICE for the Citi AAdvantage Executive World Elite Mastercard. Learn from my mistakes so YOU can hopefully get approved for your next Citi credit card! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 VIEW OTHER CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join Travel credit cards tend to have some incredible signup bonuses to help you pay for your next flight, hotel, rental car, or cruise. For example, I recently applied for the Citi AAdvantage Executive card, which has a welcome offer to earn 100,000 American Airlines miles after spending $10K in the first 3 months. Unfortunately, I received an instant denial, and the Citi reconsideration line also said “no.” Looking back on my credit card application, I saw a couple areas I should have improved further before hitting that Apply button. So, MY credit card DENIAL should hopefully help you with YOUR future credit card APPROVAL, if you learn from my mistakes! I’ll also reveal my credit score, credit inquiries, and more throughout the video to give you an idea of my broader credit situation. For now, I’m going to focus on avoiding new credit cards in the hopes of cleaning up my credit report a bit. That way, if/when the rumored Citi Strate Elite card launches, I’ll ideally have better approval odds at that time. I’ll also make sure to keep my credit card utilization down while also using my existing Citi credit cards in the weeks leading up to a potential application. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #creditcardapply 2023-08-31T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343198/big-update-ritz-carlton-credit-card-review-worth-it https://gamma.videonest.org/343198_thumbnail_resized_v2.webp https://gamma.videonest.org/343198_video_v3_converted.mp4 BIG UPDATE: Ritz Carlton Credit Card Review (Worth It?) The Ritz Carlton Credit Card is a SECRET hotel credit card that YOU can still get! Learn all about the rewards, benefits, and more to learn how it can make your next hotel stay a whole lot better. Click “Show More” to see Ad Disclosure. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🔗 NEWS ARTICLE, NBC DFW (Dallas’ Ritz-Carlton is Getting a $22 Million Reboot) https://www.nbcdfw.com/news/business/dallas-ritz-carlton-is-getting-a-22-million-reboot/3161195/ The Ritz Carlton credit card does not have a welcome offer. That’s because the card has been discontinued to new applicants, BUT you can still get it via product change from other Marriott Bonvoy credit cards from Chase. Options include the Marriott Bonvoy Bold, Marriott Bonvoy Boundless, and Marriott Bonvoy Bountiful. LEARN HOW HERE! 👇 🎬 VIDEO - How to Get the Ritz Carlton Credit Card (Step by Step)! https://youtu.be/OF2fLoZh7pE?si=HqNtKSmcALxR75qk ALSO…THE UNBOXING VIDEO! 🎬 VIDEO - Ritz Carlton Credit Card UNBOXING https://youtu.be/XE_nIUOnRr8?si=25982vIFRENSyhEC The Annual Fee of the Ritz Carlton Visa = $450. Here’s the rewards structure: - 6X Marriott Hotels - 3X Dining - 3X Car Rentals - 3X Airline Purchases - 2X Other Purchases What are Marriott points worth? On average, 1 Marriott point is 0.7¢. For example, 50K Marriott points = $350 (again, on average). RITZ CARLTON CREDIT CARD BENEFITS (Terms Apply) - $300 Annual Travel Credit - 85K Free Night Award (combine with up to 15K points for a 100K max redemption) - Marriott Bonvoy Gold Elite Status (complimentary) - Marriott Bonvoy Platinum Elite Status (earn after spending $75K) - 15 Elite Night Credits - 3 Annual Club-Level Upgrade E-Certificates - $100 Hotel Credit - Airport Lounge Access via Priority Pass Select - Fee Credit for Global Entry or TSA PreCheck - Rental Car Benefits (National Car Rental, Avis, Audi on demand) - No Foreign Transaction Fees INSURANCE PROTECTIONS: TRAVEL AND RETAIL (Ritz Carlton Credit Card Guide to Benefits) https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC10849_RitzCarlton_VisaInfinite.pdf IS THE RITZ CARLTON CREDIT CARD WORTH IT? YES if you… - Stay at Marriott properties every year - Normally spend $300+ on air incidentals - Can easily use the 85K Free Night Award - Value Gold Elite Status + 15 Elite Night Credits - Value the 3 Club-Level upgrades - Want a top-tier Priority Pass membership - Want comprehensive insurance coverages NO if you… - Don’t stay at or spend with Marriott every year - Don’t spend on air incidentals - Won’t / can’t use the 85K Free Night Award - Want an everyday / at-home credit card - Prefer cash back rewards - Prefer more flexible travel rewards - Don’t like cards with high annual fees Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #ritzcarlton 2023-08-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343199/the-3-credit-cards-everyone-needs-do-you-have-them https://gamma.videonest.org/343199_thumbnail_resized_v2.webp https://gamma.videonest.org/343199_video_v3.mp4 The 3 Credit Cards EVERYONE Needs (Do YOU Have Them?!) Do YOU have the 3 credit cards everyone should get? They’re practically essential for a strong credit card strategy, and they work well whether you’re into cash back or travel. Find out what they are (and get them)! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join CREDIT CARD #1: Core Card This is the credit card that gives you a high return in specific categories where you spend a lot of your money. First, identify the top-spend categories from your monthly budget. Do you spend a lot at supermarkets? Restaurants? Travel? Then, determine the TYPE of rewards you want. These include cash back rewards and travel rewards (points and miles). Also think about the benefits that are important to you (like credits, elite status, VIP access, airport lounges, discounts, etc.) There are 4 Main Types of Credit Card Rewards: 1. Airline Miles: BEST value when redeeming with 1 airline and/or its airline partners. Example: United MileagePlus 2. Hotel Points: BEST value when redeeming with 1 hotel chain. Example: Marriott Bonvoy 3. Flexible Bank Points: Typically EQUAL value when redeeming for any flight, hotel, rental car, cruise, etc. Example: Wells Fargo points 4. Transferrable Bank Points: BEST potential value when converting FROM bank points TO partner airline miles or partner hotel points. Example: Chase Ultimate Rewards. CREDIT CARD #2: Supplementary Card This can also be called your “Boost Card” or “Top-Up Card.” Its purpose is to fill a gap of at least 1 significant spend category that your Core Card doesn’t cover & do so with a strong rewards multiplier. CREDIT CARD #3: Everything Else Card This can also be called your “Catch-All Credit Card” or “Non-Category Card.” This is a credit card that earns 1.5% - 2.0% (or better) on all other purchases. The goal here is to earn more than 1% cash back or 1X points on your purchases that do not fall into set categories on your other cards. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #bestcreditcards 2023-08-23T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343200/chase-sapphire-preferred-vs-reserve-which-should-you-get https://gamma.videonest.org/343200_thumbnail_resized_v2.webp https://gamma.videonest.org/343200_video_v3.mp4 Chase Sapphire Preferred vs. Reserve (Which Should YOU Get?!) Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if your personal information has been leaked online! 🔐 Then see if the Chase Sapphire Preferred or Reserve is better for you! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - Chase 5/24 Rule Explained https://youtu.be/muJEN8C86JY 🎬 - VIDEO - Chase Sapphire Lounge Tour (How to Get In!) https://youtu.be/PkQ7rSJA6sU WELCOME OFFERS (August 2023) Both the Chase Sapphire Preferred and Chase Sapphire Reserve have identical signup bonuses at the moment. You can earn 60,000 Chase Ultimate Rewards points after spending $4K in the first 3 months. However, the value of these bonuses can be different. With the Chase Sapphire Preferred, those 60K points = $725+ toward travel, but with the Chase Sapphire Reserve the value of 60K points = $900+ toward travel. EARNING POINTS / MILES The Chase Sapphire Preferred earns points in the following ways: - 5X Travel* via portal - 5X Lyft thru 3.31.2025 - 3X Dining incl. takeout & eligible delivery services - 3X Online Grocery (excl. Target, Walmart, Wholesale Clubs) - 3X Select Streaming - 2X Other Travel (non-Chase) - 1X Other Purchases *Excludes purchases that qualify for the $50 Hotel Credit The Chase Sapphire Reserve earns points in the following ways: - 10X Hotels* via portal - 10X Car Rentals* via portal - 10X Lyft thru 3.31.2025 - 10X Chase Dining via portal - 5X Flights* via portal - 3X Travel Worldwide* (non-Chase) - 3X Other Dining incl. takeout & eligible delivery services - 1X Other Purchases *Excludes purchases that qualify for the $300 Travel Credit REDEEMING POINTS / MILES - Redeeming Chase Ultimate Rewards points via Chase Transfer Partners yields an average value of 1.7¢ per point with either card. - Redeeming for travel via the Chase Ultimate Rewards portal gives a flat 1.25¢ per point rate for the Sapphire Preferred and a 1.50¢ per point rate for the Sapphire Reserve. - Redeeming via the Chase Pay Yourself Back feature yields point values of 1.0¢ - 1.25¢ on the Sapphire Preferred and 1.25¢ - 1.50¢ on the Sapphire Reserve. - Cash back redemptions are 1.0¢ per point on both cards. CHASE SAPPHIRE PREFERRED BENEFITS (Main Benefits) - $50 Annual Hotel Credit (via portal) - 10% Anniversary Bonus - Visa Signature Luxury Hotel Collection - Partner Benefits: Lyft, DoorDash, Peloton, Instacard, GoPuff - No Foreign Transaction Fees - $0 Authorized User Fee CHASE SAPPHIRE RESERVE BENEFITS (Main Benefits) - $300 Annual Travel Credit - TSA PreCheck / Global Entry / NEXUS Credit - Airport Lounge Access (Priority Pass Select, Chase Sapphire Lounge by the Club) - Visa Infinite Luxury Hotel Collection - The Luxury Hotel and Resort Collection - Rental Car Benefits / Status: National Emerald Club Executive status and discount, Avis Preferred discount, Audi on demand discount - Reserved by Sapphire - Partner Benefits: Lyft, DoorDash, Peloton, Instacard, GoPuff - No Foreign Transaction Fees - $75 Authorized User Fee The CHASE SAPPHIRE PREFERRED will likely be best for people who want entry-level rewards and benefits and who spend on online grocery (and streaming). The CHASE SAPPHIRE RESERVE will likely be best for people who want higher rewards rates, lounge access, and top-tier insurance protections. NOTE: The Chase 5/24 Rule and the Chase 48 Month Rule apply to both of these credit cards. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcard #travelcreditcards 2023-08-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343201/its-over-the-chase-trifecta-is-dead-to-me https://gamma.videonest.org/343201_thumbnail_resized_v2.webp https://gamma.videonest.org/343201_video_v3_converted.mp4 IT'S OVER: The Chase Trifecta Is DEAD to Me... It’s GAME OVER for the Chase Trifecta! Learn the 5 reasons why it’s no longer my main credit card setup or strategy, what I’m doing instead, and why I’m still keeping it (yes, you read that right)! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - Beginner's Guide to Transfer Partners for BIG Value https://youtu.be/ae1WayyrwnE REASON 1 - Partner Benefits: I’ve gotta say, I just don’t use them. The Chase Freedom Unlimited benefits include special partnerships with DoorDash, Lyft, and Instacart. The Chase Freedom Flex has these same 3 benefits, but also adds an additional one from Lyft, plus Fandango and ShopRunner. The Chase Sapphire Preferred has similar benefits at a higher level (e.g. a longer subscription period), along with a Peloton benefit. Finally, the Chase Sapphire Reserve benefits take the ones on the Preferred to an even higher level (e.g. more Chase Ultimate Rewards points earned, more / bigger credits, etc.). REASON 2 - Rewards Multiplier Overlap: The Chase Trifecta has a lot of rewards categories that are either identical or similar. For instance, there are overlapping categories for travel, Lyft, dining, and drug stores. While one Chase credit card might earn at a higher rate in a certain category, it’d be nice to see the cards with a more diverse rewards structure so it makes more sense to use them all together. REASON 3 - Rewards Multipliers Aren’t Useful to Me: A lot of my monthly spend falls into categories that either Chase credit cards don’t cover, or that credit cards from other issuers do a better job at (e.g. a higher return). REASON 4 - No Permanent Rewards for Gas, Groceries (in store), or Entertainment: For this reason, I turn to the likes of the Wyndham Rewards Earner Business card for gas (8X), the Amex Gold Card for groceries at U.S. supermarkets (4X), and the Capital One SavorOne card for entertainment (3%). REASON 5 - Chase Freedom Unlimited 1.5X Isn’t That Competitive: There are other cash back credit cards and travel credit cards that earn 2X on all purchases, and some of those even offer access to transfer partners! That’s why I prefer to use the Capital One Venture X, Amex Blue Business Plus, or Citi Double Cash credit card to cover my spend that doesn’t fall into a specific category on a different card. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcard #travelcreditcards 2023-08-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343202/7-best-credit-cards-for-students-2023-best-student-credit-cards-2023 https://gamma.videonest.org/343202_thumbnail_resized_v2.webp https://gamma.videonest.org/343202_video_v3.mp4 7 Best Credit Cards for STUDENTS 2023! (Best Student Credit Cards 2023) Are you in school and wanting to build credit as a beginner? Check out these 7 BEST Student Credit Cards for 2023 (some of which have pre-approval tools to make the application process less intimidating)! Click “Show More” to see Ad Disclosure, links, and additional information below. 🎓😃 SEE TOP STUDENT CREDIT CARD OFFERS! https://markscreditcards.com/student 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 00:00 - Intro 00:28 - Capital One SavorOne Rewards for Students: This is one of the best student credit cards I’ve ever seen! It offers a $50 welcome offer opportunity, no annual fee, excellent rewards for entertainment and food, as well as reimbursing you for an Uber One membership! It also has no foreign transaction fees. 2:46 - Capital One Quicksilver Rewards for Students: This student credit card earns 1.5% cash back on all purchases (along with a few other categories), meaning it’s a great choice if you spend most of your money on things that don’t fall into a regular rewards category on other cards. It also gives you a complimentary Uber One membership, no foreign transaction fees, and no annual fee. It has the same $50 signup bonus and terms as the SavorOne. 4:15 - Bank of America Customized Cash Rewards for Students: This cash back credit card has a really unique 3% category; it lets you choose how you earn that 3% every month! You can select from gas stations, online shopping, dining, travel, drug stores, or home improvement / furnishings. There’s no annual fee and a $200 welcome offer after meeting the requirements. 7:03 - Bank of America Unlimited Cash Rewards for Students: Similar to the Capital One Quicksilver, this Bank of America credit card issues 1.5% cash back on all purchases. You can earn a $200 welcome offer and keep the card for years to come with no annual fee. 8:08 - Discover it Student Cash Back: For the new cardmember welcome offer, you can get the Discover Cashback Match, meaning Discover matches all the cash back you earned from the card after Year 1. Meanwhile, it earns 5% cash back in quarterly categories that rotate every 3 months, up to $1,500 spent per quarter, then 1% on other purchases. Right now in Q3 2023 it’s earning 5% on mobile wallet purchases and 5% at gas stations. The card has no annual fee and no foreign transaction fees. 10:26 - Deserve Student Card: Formerly known as the Deserve EDU Mastercard, this card is currently unavailable to new applicants while they’re working on refreshing the benefits. It was an excellent credit card for international students with no SSN because you could use as ITIN. You can get on their notification list to be alerted when they relaunch it at this link: https://www.deserve.com/card-types/consumer-student-card 11:19 - Petal Credit Card (Petal 1 Rise, Petal 1, Petal 2): Currently, the 3 different Petal credit cards are great options for international students since you can apply with an ITIN (that is, an SSN in not required). Go to the Petal Card website to compare all 3 versions and to see which one is the best fit by using their Apply tool with no impact to your credit score / report. Petal Card website: https://www.petalcard.com Petal Card Minimum Requirements: https://support.petalcard.com/hc/en-us/articles/360005304633-What-are-the-minimum-requirements-to-get-approved-for-a-Petal-card- Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #studentcreditcard #creditcard #creditcards 2023-07-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343203/the-8-stupidest-credit-card-benefits-ive-ever-seen https://gamma.videonest.org/343203_thumbnail_resized_v2.webp https://gamma.videonest.org/343203_video_v3.mp4 The 8 STUPIDEST Credit Card Benefits I've Ever Seen... You won’t believe how AWFUL these credit card benefits are! (SPOILER ALERT: Some of them are found on a few of the BEST credit cards - and YOU & I BOTH may have some of them in our wallets)! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 00:00 - Intro 00:23 - Chase Sapphire Preferred 2:38 - Amex Platinum Card 5:10 - Marriott Bonvoy Bountiful & Bevy 8:26 - World of Hyatt Business Card 9:15 - U.S. Bank Altitude Reserve 12:06 - Bank of America Premium Rewards Elite 14:22 - Citi AAdvantage Executive World Elite Mastercard 15:31 - Visa Infinite Reserve Rewards+ Card by Elan Financial Services Here are my thoughts about the worst credit card benefits right now… 1. The Chase Sapphire Preferred 10% Anniversary Bonus is not what you think it is. You get 10% back of your annual spend back in the form of POINTS! Spend $50,000? Get 5,000 points worth $50 cash back or $62.50+ towards travel! That’s only an additional 0.1% return! 2. The Amex Platinum Card SoulCycle At Home Bike Credit can be worth up to $300, but only if you comply with all of the restrictive terms and conditions for this single-merchant-single-product benefit. 3. Neither the Chase Marriott Bonvoy Bountiful card nor the Amex Marriott Bonvoy Bevy card give you an annual free night just for having the card. To get one, you’ll have to pay a $250 annual fee and spend $15,000 on your card. Then, you’ll receive your certificate that’s capped at a redemption value of 50,000 points (combinable with up to 15,000 additional points if you have them). Compare that to the Hilton Honors Surpass Card (and business version), which have a $95 annual fee, the same $15,000 spend requirement, and give you an annual free night certificate with NO CAP! 4. The World of Hyatt Business Credit Card is the ONLY business hotel credit card that DOES NOT come with some form of anniversary free night! The ones from Hilton, Marriott, IHG, and Wyndham all do, however! 5. The Priority Pass Select membership that comes with the U.S. Bank Altitude Reserve card only gives you 4 free visits for you and up to 4 guests per year for a $400 annual fee. Even the U.S. Bank Altitude Connect card (personal AND business versions) give you 4 Priority Pass visits per year, and those have a $95 annual fee (or $0 in Year 1)! 6. The Bank of America Premium Rewards Elite card gives you a $150 Lifestyle Credit. Really?! A top-tier premium travel credit card with a private jet benefit advertising to high net worth / high income earners tries to market itself with $150 per year in “lifestyle” benefits? 7. The newly revamped Citi AAdvantage Executive World Elite Mastercard gives you up to $120 per year in Lyft credits, but only up to $10 per month, and only if you take 3 rides each month! 8. The Elan Visa Infinite Reserve Rewards+ Card took the ‘coupon book’ model to new heights with up to $20 per month in 4 select categories (but each one is capped at $5 per month)! Learn more at this link: https://card.myaccountaccess.com/credit/visa-reserve-rewards-plus.do Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcard #americanexpress 2023-07-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343204/the-10-best-credit-cards-2023-are-you-missing-one https://gamma.videonest.org/343204_thumbnail_resized_v2.webp https://gamma.videonest.org/343204_video_v3.mp4 The 10 BEST Credit Cards 2023 (Are You MISSING One?!) Looking for a new credit card? Here are my TOP 10 PICKS for the BEST credit cards of 2023! I included both travel credit cards and cash back credit cards to help you find your next best one! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards Ⓜ️ CARDMATCH - Check for Amex Platinum 150K, Amex Gold 90K, and MORE! https://markscreditcards.com/cardmatch 💳🤝 AMEX PLATINUM REFERRAL LINK - Check for Targeted 150K Offer! (Copy & paste into private / incognito window) https://markscreditcards.com/referamexplatinum 💳🤝 AMEX GOLD REFERRAL LINK - Check for Targeted 90K Offer! (Copy & paste into private / incognito window) https://markscreditcards.com/referamexgold 💳👉 SEE DISCOVER IT OFFER - Bonus Statement Credit! https://markscreditcards.com/referdiscoverit 💳💥 VIEW MORE CREDIT CARD OFFERS!💥💳 https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join CARD 1: The Capital One Venture X is an excellent entry-level travel credit card for those still desiring premium benefits and rewards, including airport lounge access (Capital One Lounge, Priority Pass lounges, and Plaza Premium lounges), a $300 travel credit, a 10,000 mile anniversary bonus, and much more! CARD 2: The Amex Platinum Card is the best credit card for airport lounge access and top-tier / VIP travel benefits. CARD 3: The Citi Custom Cash is an excellent cash back credit card that is extremely flexible, earning 5% cash back in your top spend category each billing cycle. Cash back is earned as Citi ThankYou points, which can be great for travel, too! CARD 4: The Capital One SavorOne rocks for cash back, no annual fee, spending on food at restaurants and supermarkets, as well as on entertainment. CARD 5: The Amex Gold Card is a top choice for people who spend a lot of their monthly budget at restaurants and U.S. supermarkets, but who want to earn travel rewards (Amex Membership Rewards points). CARD 6: The Citi Double Cash is a perfect catch-all credit card for non-category spend as it earns a flat 2% cash back on all purchases with no limits on how much you can earn. It earns cash back in the form of Citi ThankYou points that can be combined with the rewards from the Citi Premier Card for access to transfer partners. CARD 7: The Bilt Mastercard is the best credit card to pay rent (without additional fees)! It’s also a great travel credit card with no annual fee. CARD 8: The Discover it Cash Back is a solid everyday credit card that earns 5% cash back in rotating quarterly categories that are very useful (examples may include gas, groceries, dining, Amazon, mobile wallets, etc.) CARD 9: The Chase Freedom Flex is similar to the Discover it Cash Back credit card in that it also earns 5% cash back in rotating quarterly categories. But, this card earns its cash back in the form of Chase Ultimate Rewards points and also adds several other permanent rewards categories. CARD 10: The Chase Sapphire Preferred is arguably the best travel credit card for beginners. Its superpowers include the ability to make all points worth 25% more when redeemed for travel via the Chase travel portal AND providing access to transfer partners. Since it earns Chase Ultimate Rewards points (like the Chase Freedom Flex), you can combine the points, too! 00:00 - Intro 00:49 - Card #1 2:18 - Card #2 4:05 - Card #3 5:56 - Card #4 8:37 - Card #5 9:57 - Card #6 11:15 - Card #7 12:46 - Card #8 14:12 - Card #9 15:27 - Card #10 Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #creditcard 2023-07-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343205/i-visited-the-worst-airport-lounge-in-the-world-priority-pass-disaster https://gamma.videonest.org/343205_thumbnail_resized_v2.webp https://gamma.videonest.org/343205_video_v3.mp4 I Visited the WORST Airport Lounge in the World! (Priority Pass DISASTER) WOW! THIS tops my list for the WORST airport lounge in existence! Check out my video tour of the Swissport Lounge at ORD, a Priority Pass Lounge that is in SERIOUS need of an update. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - How to Use PRIORITY PASS (Beginner’s Guide) https://youtu.be/mP1zEyWdf8o Normally, airport lounge access is supposed to be a nice way to escape the chaos of the terminal. However, the Swissport Lounge Chicago ORD had the exact opposite effect (I’d rather STAY in the terminal and spend money to get a real meal)! This Swissport Lounge Chicago ORD is a Priority Pass lounge, though it’s in need of a huge makeover. Here’s everything you need to know about it… Amenities - Per the Priority Pass website, the Swissport Lounge at O’Hare includes: disabled access, no smoking, air conditioning, TV, refreshments, newspapers/magazines, wi-fi, and digital card accepted for entry. How’s that for a list of ‘benefits?!’ :D - The wifi did not work during my visit, and the free wifi at Chicago O’Hare airport was incredibly slow, so I used my iPhone hotspot. - The Swissport Lounge has NO windows…anywhere. Want to charge your devices? You’ll need to stay at the tables along the border of the lounge to (hopefully) get access to the very few outlets available. The food and beverage options were nearly all snack focused (i.e. no hot food, minimal vegetarian options, and a heavy focus on carbs / sugar) :D - All of the furnishings are SEVERELY worn and tired. Gotta love the stained carpet and out of order restroom, too! Hours - The Swissport Lounge ORD opens at 7:00 AM and closes at 9:00 PM daily. - It’s closed on Dec. 25 and Jan. 01. - Capacity Constraints: Access may be periodically restricted due to space constraints, especially during the hours of 3:00 PM – 8:30 PM daily. This location may exceed its seating limit at certain times of the day & access is at the staff’s sole discretion. If you look at reviews online, it seems very common that Priority Pass members are turned away in the late afternoon / evening hours. Location - The Swissport Lounge is at Chicago O’Hare International Airport in Terminal 5. - You’ll find it between a restaurant and a retail store. At the time of my visit, the restaurant was “Big Bowl” and the retail store was “I Love Chicago.” Priority Pass Lounge Access - Time: Up to 3 hours prior to departure. - Show: Priority Pass card and boarding pass at the front desk. - Guests: Varies by membership level. - Children: Under 4 years old are free. - Dress Code: Shoes required. Big Surprise - This Swissport Lounge Chicago ORD is actually a contract lounge used by international airlines for their premium passengers! Airlines include Air India, Alitalia (now ITA Airways), Royal Jordanian, Etihad Airways, LOT Polish Airlines, Turkish Airlines, Emirates, Finnair, and then those who enter via Priority Pass. - More info: https://www.flychicago.com/ohare/ServicesAmenities/services/Pages/lounges.aspx 👉 Swissport Lounge ORD on Priority Pass website: https://prioritypass.com/lounges/usa/chicago-il-o-hare-intl/ord10-swissport-lounge 👉 Swissport Lounge ORD via LoungeBuddy https://www.loungebuddy.com/ORD/swissport-lounge-terminal-5-concourse-m-5mTKilCqDl 👉 Swissport Lounge ORD reviews (Yelp) https://www.yelp.com/biz/swissport-lounge-chicago 🎵 Background Music: Acid Jazz by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #prioritypass #airportlounge #loungelife 2023-07-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343206/whats-in-my-wallet-q3-2023-or-credit-card-strategy-2023 https://gamma.videonest.org/343206_thumbnail_resized_v2.webp https://gamma.videonest.org/343206_video_v3.mp4 WHAT’S IN MY WALLET Q3 2023 | Credit Card Strategy 2023 Take a look inside my wallet to see which credit cards I’m using for Q3 2023! This time I’ve got 7 credit cards: 4 are travel credit cards and 3 are cash back credit cards, all across 6 different banks! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 💳👉 SEE DISCOVER IT OFFER! https://markscreditcards.com/referdiscoverit 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join Here's my best credit card strategy for Q3 2023! 1. Capital One Venture X: I’m using this card for my non-category spend (2X miles) and for airport lounge access to the Capital One Lounge DFW. 2. Bilt Mastercard: My top choice to pay rent, earn rewards, and avoid fees! An excellent travel credit card with no annual fee. 3. Hilton Honors Business Card: I’ve got a stay at a Hilton hotel soon, so I’ll use this card to earn 12X points. I’m also using it for healthcare expenses (3X) to work toward the Hilton Free Night Award. I’ll need to spend a total of $15K for the entire year to receive that award, which can be well worth it since it has no limit on total redemption value. 4. U.S. Bank Altitude Reserve: My choice for Costco purchases since it earns 3X points on mobile wallet transactions (and it’s a Visa credit card, which is required at Costco). 5. Amazon Prime Visa: To earn 5% cash back at Amazon. I simply leave this card as my default payment method so it’s always available when I check out. 6. U.S. Bank Cash Plus: This one allows me to earn 5% cash back on TV, Internet, and Streaming as well as on Home Utilities. A very unique credit card that covers categories not seen on many other cards! 7. Discover it Cash Back credit card: This is the best quarter of 2023 in my opinion since it’s earning 5% cash back on Digital Wallet transactions - as well as 5% at gas stations - on up to $1,500 in combined spend. Since ‘digital wallets’ is so broad, this is my go-to card for groceries, Target, restaurants, online shopping, and more. ⬇️MORE VIDEOS! ⬇️ 🎬 VIDEO - Capital One Venture X: BEGINNER'S GUIDE to 13 Benefits You Need to Know https://youtu.be/iHgbSRdxpBc 🎬 VIDEO - SHOULD I CANCEL? Capital One Venture X (My Thoughts After 1 Year) https://youtu.be/iUjodZv4kz4 🎬 VIDEO - Capital One Lounge Review & TOUR! (How to Get In | DFW) https://youtu.be/0jemrbhTc_U 🎬 VIDEO - Bilt Credit Card Review - Beginner's Guide to EVERY Benefit You Need to Know https://youtu.be/y6z9ucu8Cms 🎬 VIDEO - WATCH ME APPLY - Bilt Credit Card (Bilt Mastercard Application) https://youtu.be/bFuM2pABkg0 🎬 VIDEO - Bilt Credit Card Unboxing (Coolest Ever?!) https://youtu.be/15PcitqdoY4 🎬 VIDEO - BIG CHANGES: Amazon Prime Credit Card Review 2023 (Should You Get It?) https://youtu.be/rSMRxX1_oak Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #whatsinmywallet #bestcreditcards #creditcards 2023-07-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343207/new-rule-amex-signup-bonuses-will-never-be-the-same https://gamma.videonest.org/343207_thumbnail_resized_v2.webp https://gamma.videonest.org/343207_video_v3_converted.mp4 NEW RULE?! Amex Signup Bonuses Will NEVER Be The Same HOLY CRAP! Amex credit card signup bonuses will NEVER be the same after this! Learn what counts as an eligible purchase when trying to meet your Amex Platinum or Amex Gold signup bonus to MAKE SURE you get it! Click “Show More” to see Ad Disclosure. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - How to get APPROVED for American Express Credit Cards (Amex Application Rules) https://youtu.be/X4afVAbhc4g American Express issues some of the best credit cards available, especially for people who want to earn travel rewards. Whenever you see a credit card earning Amex Membership Rewards points, you KNOW that the rewards will be ideal for flights on that next vacation. However, before you go apply for that Amex Platinum Card, Amex Gold Card, Amex Green Card, or any other Amex card, be sure you understand the terms of the welcome offer (i.e. signup bonus). If you “think” you made enough “purchases,” but if not all of those purchases are eligible, then it could mean missing out on that offer altogether. For my situation, it came down to “Can you pay taxes with a credit card?” Historically, yes, paying taxes with credit cards is fine, be it with Amex credit cards, Chase credit cards, Capital One credit cards, and so forth. BUT…I ran into a MAJOR PROBLEM. When using my Amex Business Gold Card to pay taxes, ONE of my transactions was eligible but the OTHER ONE was NOT! And worst of all, I was planning on the spend from my quarterly tax payment to go towards earning the Amex signup bonus of 90K Membership Rewards points (the spend requirement was to spend $10K in the first 3 months). As a side note, my Amex Business Gold Card offer was targeted via email, and it was also one of those Amex No Lifetime Language offers. Learn what happened, what I did to (temporarily) work around the issue this time around, and how it dramatically affected my view of applying for more Amex credit cards in the future! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2023-07-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343208/act-now-100k-chase-ink-preferred-with-no-business-best-business-credit-card-2023 https://gamma.videonest.org/343208_thumbnail_resized_v2.webp https://gamma.videonest.org/343208_video_v3.mp4 ACT NOW! 100K Chase Ink Preferred WITH NO BUSINESS?! (Best Business Credit Card 2023) Earn 100K Chase points with this INSANE offer! The Chase Ink Business Preferred cut its spend requirement nearly in HALF and easily ranks as one of the best business credit cards available! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - Beginner’s Guide to Transfer Partners for BIG Value https://youtu.be/ae1WayyrwnE 🎬 VIDEO - Chase 5/24 Rule Explained https://youtu.be/muJEN8C86JY The Chase Ink Business Preferred has a new welcome offer! You can now earn 100K Chase Ultimate Rewards points after spending $8K in the first 3 months (previously it was $15K). The value of these points is $1,000 for cash back or $1,250+ towards travel via the Chase Travel portal. Fortunately, you don’t need a standard “business” to qualify. That is, there’s no requirement to have an LLC, partnership, or corporation. You can apply as an individual (i.e. as a sole proprietorship) and use your SSN instead of an EIN. As long as you have a side hustle / make money outside of a 9-5 job, then you may be eligible to apply for a business credit card (including the Chase Ink Business Preferred)! The Chase Ink Preferred also earns points in the following categories: - 5X Lyft (thru March 2025) - 3X Travel* - 3X Advertising* (Social media sites, Search engines) - 3X Internet, Cable, Phone* - 3X Shipping* - 1X Other Purchases *Up to $150K in combined purchases per cardmember year in 3X categories, then 1X. The annual fee is $95. Chase Ultimate Rewards points are worth 1.7¢ each (on average) when redeemed via Chase Transfer Partners, 1.25¢ each via the Chase Ultimate Rewards portal or via the Chase Pay Yourself Back feature, and 1.0¢ each as cash back (i.e. statement credit or deposit to a checking account or savings account). CHASE TRANSFER PARTNERS Airlines - Aer Lingus AerClub - Air Canada Aeroplan - British Airways Executive Club - Air France-KLM Flying Blue - Emirates Skywards - Iberia Plus - JetBlue TrueBlue - Singapore Airlines KrisFlyer - Southwest Airlines Rapid Rewards - United MileagePlus - Virgin Atlantic Flying Club Hotels - IHG One Rewards - Marriott Bonvoy - World of Hyatt MAIN BENEFITS You can add employee cards at no additional cost, get access to some business expense reporting tools, and the card has no foreign transaction fees. IS THE CHASE INK PREFERRED WORTH IT? - Likely YES if you want a super strong signup bonus, spend in the 3X rewards categories, and value points that are good for cash back and great for travel. It can also make sense if you want excellent insurance protections and have other Chase credit cards that earn Ultimate Rewards points. Examples include the Chase Sapphire Preferred and Chase Sapphire Reserve, plus the Chase Freedom Flex and Chase Freedom Unlimited, all of which are on the personal side. There’s also the Chase Ink Unlimited and Chase Ink Cash. All of these Chase credit cards earn the same type of points (Ultimate Rewards points) and can be pooled together! - Likely NO if you don’t value the 3X categories, don’t like credit cards with annual fees, or are over the Chase 5/24 Rule. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com and YourBestCreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #businesscredit 2023-07-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343209/capital-one-venture-x-beginners-guide-to-13-benefits-you-need-to-know https://gamma.videonest.org/343209_thumbnail_resized_v2.webp https://gamma.videonest.org/343209_video_v3_converted.mp4 Capital One Venture X: BEGINNER'S GUIDE to 13 Benefits You Need to Know Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if your personal information has been leaked online! Then see if the Capital One Venture X is worth it for you! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳💥 SEE CAPITAL ONE VENTURE X OFFER! https://markscreditcards.com/topcards 💳👉 VIEW OTHER CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - BEGINNER’S GUIDE TO TRANSFER PARTNERS FOR BIG VALUE (Amex, Chase, Citi, Capital One…) https://youtu.be/ae1WayyrwnE 🎬 VIDEO - Capital One Venture X Review (After 1 Year) | Capital One Venture X Worth It? https://youtu.be/iUjodZv4kz4 The Capital One Venture X benefits continue to grow since it was first launched in Nov. 2021! Now with a competitive travel portal, an increasing amount of airport lounge access, and a strong rewards program, it has become among the best travel credit cards available right now. However, a growing list of benefits on the Capital One Venture X credit card brings with it the need to understand how they work (and when they don’t). Of course, with a $395 annual fee, you’ll want to ensure you’re getting the value you deserve! 00:00 - Intro 1:33 - $300 Annual Travel Credit - Get reimbursed for purchases made directly via the Capital One Travel portal. 3:44 - 10,000 Mile Anniversary Bonus - Receive 10K miles every cardmember anniversary. 4:19 - Lounge Access - Get into Capital One Lounges, Plaza Premium Lounges and Priority Pass Lounges. Enroll in Priority Pass here: https://prioritypass.com/capitalone 8:37 - TSA PreCheck or Global Entry - Get reimbursed up to $100 every 4 years for the application fee of either program. Enroll here: https://ttp.dhs.gov 9:15 - Hertz President’s Circle Status - Get Hertz elite status to skip the counter, get rental car upgrades, drop off the keys and go upon return, and more! 10:13 - Premier Collection & Lifestyle Collection Hotels - VIP benefits at curated luxury and boutique hotels worldwide. Book here: http://travel.capitalone.com/ 12:22 - Visa Infinite Luxury Hotel Collection - VIP benefits and select luxury hotels around the globe. Book here: https://www.visainfinitehotels.com 13:26 - Capital One Transfer Partners - Transfer Capital One miles into airline and hotel programs. Airlines - AeroMexico Club Premier - Air Canada Aeroplan - Air France-KLM Flying Blue - Cathay Pacific Asia Miles - Avianca LifeMiles - British Airways Executive Club - Emirates Skywards - Etihad Guest - EVA Air Infinity MileageLands - Finnair Plus - Qantas Frequent Flyer - Singapore Airlines KrisFlyer - TAP Air Portugal Miles&Go - Turkish Airlines Miles&Smiles - Virgin Red Hotels - Accor Live Limitless (ALL) - Choice Privileges - Wyndham Rewards 14:51 - Capital One Dining & Capital One Entertainment - Exclusive reservations & benefits. 16:01 - Memberships & Subscriptions - Get access to memberships and discounts with The Cultivist, PRIOR, Gravity Haus, and Vinous. 16:51 - Capital One Offers - Earn extra statement credits on top of your credit card rewards! 18:05 - Insurance & Protections - Go to this link to learn more: https://ecm.capitalone.com/WCM/card/benefits-guide/20211109-venture-x/jb34520_build-it_dm_final_eng-proof_v1.pdf 18:41 - Virtual Card Number - Prevent exposing your true card account number. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com and YourBestCreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitalone #creditcard #creditcards 2023-06-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343210/amex-gold-card-why-i-disagree-with-97percent-of-people-5-reasons https://gamma.videonest.org/343210_thumbnail_resized_v2.webp https://gamma.videonest.org/343210_video_v3.mp4 Amex Gold Card - Why I DISAGREE With 97% of People (5 Reasons) Everybody loves the Amex Gold Card, right? BUT, there are 5 things that might make you say, "Nevermind!" BEFORE you apply, make sure you understand everything in this video. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - BEGINNER’S GUIDE TO TRANSFER PARTNERS FOR BIG VALUE (Amex, Chase, Citi, Capital One...) https://youtu.be/ae1WayyrwnE The American Express Gold Card is an excellent travel credit card that can be rewarding at home (that is, earning points for a future trip) due to its 4X dining and 4X grocery rewards categories. However, even though it’s popular, it may not be the right fit for you. Here are 5 reasons why the Amex Gold Card may NOT be worth it for you… 1. The Amex Gold Card earns Amex Membership Rewards points. When redeemed, they’re best for only ONE thing…flights. Via the Amex Travel portal, you can get a flat 1.0¢ per point, but when using Amex Transfer Partners, it’s possible to get a lot more than that. Other redemptions (like cash back, gift cards, etc.) tend to yield a much lower value. 2. The Amex Gold $120 Dining Credit is VERY limited. It only works for select partners, is issued as $10 per month, and expires at the end of every month. 3. The Amex Gold $120 Uber Cash credit may be worth LESS, and it may not fit into your lifestyle. Many restaurants increase their pricing when ordering via Uber Eats, plus doing a delivery may have added costs like small order fees, delivery fees, tips, etc. 4. There’s no $0 downgrade path. From the Amex Gold Card with a $250 annual fee, you can either upgrade to the Amex Platinum Card with a $695 annual fee, or you can downgrade to the Amex Green Card with a $150 annual fee. Currently, there’s no way to get out of paying an annual fee unless you cancel the card. 5. The 4X on “Groceries at U.S. Supermarkets” category is restrictive. It’s only valid on up to $25K spent per year, and it has a lot of exclusions. So, if you buy groceries at Target, Walmart, or Costco, it won’t work. Learn more at this link: http://americanexpress.com/rewards-info Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2023-06-23T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343211/new-chase-sapphire-lounge-worth-dollar75-or-bos-or-chase-sapphire-reserve https://gamma.videonest.org/343211_thumbnail_resized_v2.webp https://gamma.videonest.org/343211_video_v3.mp4 NEW Chase Sapphire Lounge! 🍷 Worth $75?! | BOS | Chase Sapphire Reserve The new Chase Sapphire Lounge Boston has opened and it’s fantastic! Here’s my video tour, review, and full details about how to get in (super easy if you have the right credit card!) Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 00:00 - Intro 00:38 - Lounge Tour! 6:20 - Lounge Amenities 6:35 - Lounge Locations 7:54 - How to Get In (Credit Cards) 12:28 - How to Get In (Steps) 12:55 - Priority Pass (How to Activate) 13:39 - Priority Pass (Authorized Users) I visited the Chase Sapphire Lounge by The Club at Boston Logan International Airport and had a GREAT time! It offers some great local food and beverages, spaces to work and relax, plus amazing views and SUPER FAST wifi! The Chase Sapphire Lounge Boston is currently open from 5:00 AM - 11:00 PM daily and is located in the B to C connector between Gates B40 and B39. It’s 11,640 square feet in size. The Chase Sapphire Lounge Hong Kong is also open from 6:00 AM - 12:00 AM daily and is located in Terminal 1 in the West Hall on the Departures Level (Level 7) near Gate 40. It's 11,948 square feet in size. There are other Chase Sapphire Lounge locations coming soon: - Chase Sapphire Lounge San Diego (SAN) - Chase Sapphire Lounge Las Vegas (LAS) - Chase Sapphire Lounge Phoenix (PHX) - Chase Sapphire Lounge Philadelphia (PHL) - Chase Sapphire Lounge New York City (LGA) 🔗 LINK: Chase Sapphire Lounge Locations and Info: https://account.chase.com/sapphire-airport-lounge CHASE SAPPHIRE LOUNGE ACCESS | HOW TO GET IN | CREDIT CARDS - Chase Sapphire Reserve card: Unlimited visits, up to 2 free guests (then $27 each), children under 2 years are free. Authorized users get the same access as the primary cardholder. - JPMorgan Reserve card: Same access as the Chase Sapphire Reserve (above) - The Ritz-Carlton credit card: Unlimited visits, unlimited guests, children are free. Authorized users get the same access privileges. - Priority Pass (non-Chase): 1 free visit to 1 Sapphire Lounge by The Club per calendar year. Additional visits, and guests, cost $75 each. 🎬 VIDEO: How to Get Ritz-Carlton Credit Card https://youtu.be/OF2fLoZh7pE Unfortunately, the Chase Sapphire Preferred credit card does not have access at this time. CHASE SAPPHIRE LOUNGE ACCESS | HOW TO GET IN | THE STEPS 1. Enroll / activate Priority Pass membership 2. Present your physical or digital Priority Pass card at the front desk, plus your boarding pass within 3 hours of your flight. HOW TO ENROLL IN PRIORITY PASS (CHASE) 1. Sign into Chase 2. Click on your card 3. Click on 'More options' (i.e. 3-dots icon) 4. Choose 'Card benefits' 5. Scroll down to Complimentary Airport Lounge Access section and enroll - NOTE: You can also call the number on the back of your credit card to enroll 🔗 ACTIVATE PRIORITY PASS HERE (After enrolling with Chase): https://www.prioritypass.com/activate-your-account Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #airportlounge #loungelife 2023-06-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343212/seriously-lux-bank-of-america-premium-rewards-elite-unboxing https://gamma.videonest.org/343212_thumbnail_resized_v2.webp https://gamma.videonest.org/343212_video_v3.mp4 Seriously Lux 🥂 Bank of America Premium Rewards Elite UNBOXING! I got a HUGE BOX for my Bank of America Premium Rewards ELITE card! Watch me unbox this metal credit card and all the fancy packaging that comes with it! Click “Show More” to see Ad Disclosure. 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join My Bank of America Premium Rewards Elite credit card arrived! It was shipped by UPS and expedited by default, being delivered in about 2-3 business days. I was surprised at how large the box was and the overall elevated packaging of the card. It’s a metal credit card weighing ~ 17 grams, roughly the same as the Capital One Venture X card, slightly less than the Amex Platinum Card at 18 grams, and a lot heavier than the Chase Sapphire Reserve at 12 - 13 grams. Of all of these premium travel credit cards, the BOA Elite card is currently the least rewarding on its own (although it has the best marketing appearance) :D The Bank of America Premium Rewards Elite card earns 2X points on Travel and Dining, plus 1.5X points on all other purchases. It’s not a good rewards structure on its own, though it does get a lot more competitive if you’re also in the Bank of America Preferred Rewards program (granting an additional 25%, 50%, or 75% boost on those earning rates depending on the level you’re at). That said, without the BOA Preferred Rewards program in place, cards like the Chase Sapphire Preferred, Capital One Venture X, or Amex Platinum Card will be better options to have if you frequently spend money on airfare or want access to transfer partners for higher value redemptions. 🔗 Learn more about the Bank of America Preferred Rewards program here: https://promotions.bankofamerica.com/preferredrewards/en As for the Bank of America Premium Rewards Elite benefits, it comes with up to $550 in statement credits (all automatically issued). It offers up to $300 toward airline incidental charges (like seat upgrades, baggage fees, airline lounge fees, and in-flight services), a $150 Lifestyle Credit (for things like video streaming services, food delivery, fitness subscriptions, and rideshare services), and a $100 TSA PreCheck or Global Entry credit every 4 years. Additionally, when you redeem Bank of America points for airfare, you’ll get a 20% discount when you pay with points via the Bank of America travel portal. The card also includes a Priority Pass Select membership for access to airport lounges (and partner restaurant and retail locations), among other benefits. 🎬 VIDEO: Watch Me Apply for the Bank of America Premium Rewards Elite Card! https://youtu.be/O6Hydnk1oMA 🔗 BLOG POST - Doctor of Credit - Bank of America 7/12 Rule | Bank of America 3/12 Rule https://www.doctorofcredit.com/report-bank-of-america-7-12-rule-3-12-rule-for-new-cards/ Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bankofamerica #creditcardunboxing 2023-06-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343213/dont-get-travel-credit-cards-unless-you-can-handle-these-6-things https://gamma.videonest.org/343213_thumbnail_resized_v2.webp https://gamma.videonest.org/343213_video_v3.mp4 Don’t Get Travel Credit Cards Unless You Can Handle These 6 Things! Are travel credit cards worth it?! If you can’t handle these 6 things, then the answer is a BIG NO! Learn what these things are BEFORE you apply for your next credit card. Click “Show More” to see Ad Disclosure. 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join If you’re considering applying for a travel credit card, then there are a number of things you’ll have to deal with to ensure the card makes sense. 1 | Annual Fees Many travel credit cards have annual fees of $95 and up. For instance, the Chase Sapphire Preferred has a $95 annual fee, the Chase Sapphire Reserve has a $550 annual fee, the Amex Platinum Card has a $695 annual fee, the Amex Gold Card has a $250 annual fee, the Citi Premier Card has a $95 annual fee, and the Capital One Venture X has a $395 annual fee. However, a lot of these premium travel credit cards come with benefits that can outweigh the cost (e.g. airport lounge access via a Priority Pass membership). 2 | Devaluations Credit card points and miles tend to lose value over time. This is why the phrase “earn and burn” is so common in the industry. A hotel costing 60,000 points now might cost 80,000 points in the future. Once you have enough rewards to take a trip, it’s probably a good time to book it. To help hedge against this, it’s often best to focus on flexible and transferrable points as those tend to get devalued less often and less dramatically. Examples include Chase Ultimate Rewards points, Amex Membership Rewards points, Citi ThankYou points, Capital One Venture miles, and Bilt Rewards points. 3 | Expiration Dates Here we’re referring to points and miles, credits, certificates, and other benefits. All of these typically have a lifespan (e.g. monthly, quarterly, annually, etc.) before they expire or renew, and many do not roll over. 4 | Managing Benefits The credit card benefits you receive have terms, restrictions, availability constraints, and some work required in order to maximize them. Be sure you’re able to juggle them in order to more easily justify any annual fees. 5 | Learning Curve Unlike cash back credit cards, travel credit cards are much more complex. Their rewards often require you to plan in advance because award availability for certain flights or hotels may not be open year-round. The value of points or miles from one program may also have entirely different values compared to another program, so you’ll want to learn the average values for Chase Ultimate Rewards points, Amex Membership Rewards points, etc., including the rewards values for airline and hotel programs. Additionally, you’ll want to understand transfer partners and airline alliances to take better advantage of your rewards (e.g. redeeming points for maximum value). 6 | Bigger Spend Requirements In order to earn the credit card signup bonuses, you’ll find that the spend requirements are oftentimes higher on travel credit cards. Make sure your monthly budget allows for the required spend prior to applying (otherwise, you’ll likely want to avoid getting the card). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcard #credit 2023-06-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343214/the-truth-about-spirit-airlines-first-class-in-2023-big-front-seat-review https://gamma.videonest.org/343214_thumbnail_resized_v2.webp https://gamma.videonest.org/343214_video_v3.mp4 The TRUTH About Spirit Airlines FIRST CLASS in 2023 (Big Front Seat Review) Want to know what FIRST CLASS on Spirit Airlines is REALLY like? Here’s your beginners guide to everything you need to know and what to expect! Click “Show More” to see Ad Disclosure. 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join First…the BIG question. Does Spirit Airlines have first class? Technically, no, BUT they do have first class seats! These are called the Spirit Big Front Seats and they give you more width and pitch (fancy talk for more leg room). In other words, the Spirit Big Front Seat is basically a first class seat WITHOUT first class service. That’s because with Spirit Airlines, you DO NOT get the following amenities with the Big Front Seat: - Priority check-in - Priority security - Priority boarding - Separate cabin - Complimentary food - Complimentary drinks - Free checked bag - Elevated rewards All of these types of benefits normally come with a first class ticket. 🔗 Interestingly, the View from the Wing blog explains ‘The Super Weird Reason Spirit Airlines Offers A First Class Seating Option’ in their blog post here: https://viewfromthewing.com/the-super-weird-reason-spirit-airlines-offers-a-first-class-seating-option/ So, how to fly Spirit First Class? Well, you can either PAY or BID for your Spirit Big Front Seat (and pricing varies)! - You can pay during the booking process as part of the seat selection - You can pay after the booking process as a seat change - You can bid when given the option via email How much is the Spirit Big Front Seat? It varies quite a bit. I did 4 searches and got different pricing each time. The SAN to LAS flight was $56, the MIA to ATL flight was $86, the PHX to LAS flight was $152, and the BAQ to FLL flight was $78. What are the Spirit Big Front Seat benefits? - You can get access to food and drink for an additional fee (although so can everyone else). 🔗See the Spirit Food Menu at this link: https://customersupport.spirit.com/en-us/category/article/KA-01225 - There’s a large tray table located in the armrest - The center armrest is very big - The seat is well padded and much more comfortable than the standard seat - You get a real seatback pocket! - It’s really easy to access the restroom What about the cons? - There’s no first class service - You cannot further recline your seat - There are no power outlets - There’s no inflight entertainment - There are no free upgrades (and currently, you cannot redeem Spirit points to upgrade either) Is Spirit Airlines First Class Worth It? // Is Spirit Airlines Big Front Seat Worth It? Probably YES if… - You’re on a longer flight - You have physical needs - You have a personal preference Probably NOT if… - You’re on a short flight - You don’t have a need or desire for it - Your goal is to save money on flights or travel overall Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #spiritairlines #budgettravel #howtotravel 2023-06-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343215/watch-me-apply-75k-bank-of-america-premium-rewards-elite https://gamma.videonest.org/343215_thumbnail_resized_v2.webp https://gamma.videonest.org/343215_video_v3.mp4 WATCH ME APPLY! 75K Bank of America Premium Rewards ELITE! I’m applying for the Bank of America Business Premium Rewards ELITE card with a BIG 75K offer! I’ll walk you through the application, show you my credit score, and more. Did I get approved? Watch to find out! Click “Show More” to see Ad Disclosure. 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join There are a number of premium travel credit cards on the market right now, including the Chase Sapphire Reserve, Amex Platinum Card, and Capital One Venture X. More recently, Bank of America decided to get into the game and launched their Premium Rewards Elite card. Since the moment it was released until June 2023, it had a 50,000 point welcome offer, which didn’t cover the cost of the $550 annual fee. But NOW it has an elevated offer of 75,000 points (finally!) worth $750 towards travel or cash back. That more than covers the annual fee, and then the other benefits add value from there. The spend requirement is $5,000 within the first 90 days to earn that bonus. The Bank of America Premium Rewards Elite card also earns 2X points on Travel and Dining, plus 1.5X points on all other purchases. It’s not a good rewards structure on its own, though it does get a lot more competitive if you’re also in the Bank of America Preferred Rewards program (granting an additional 25%, 50%, or 75% boost on those earning rates depending on the level you’re at). That said, without the BOA Preferred Rewards program in place, cards like the Chase Sapphire Preferred, Capital One Venture X, or Amex Platinum Card will be better options to have if you frequently spend money on airfare or want access to transfer partners for higher value redemptions. 🔗 Learn more about the Bank of America Preferred Rewards program here: https://promotions.bankofamerica.com/preferredrewards/en As for the Bank of America Premium Rewards Elite benefits, it comes with up to $550 in statement credits (all automatically issued). It offers up to $300 toward airline incidental charges (like seat upgrades, baggage fees, airline lounge fees, and in-flight services), a $150 Lifestyle Credit (for things like video streaming services, food delivery, fitness subscriptions, and rideshare services), and a $100 TSA PreCheck or Global Entry credit every 4 years. Additionally, when you redeem Bank of America points for airfare, you’ll get a 20% discount when you pay with points via the Bank of America travel portal. The card also includes a Priority Pass Select membership for access to airport lounges (and partner restaurant and retail locations), among other benefits. My credit score was 766 on Experian, 807 on TransUnion, and 817 on Equifax. I had 11 inquiries on Experian, 5 inquiries on TransUnion, and 2 inquiries on Equifax. In terms of how many newly opened accounts that appeared on my Experian credit report, I had 2 in the past 6 months, 6 in the past 12 months, and 8 in the past 24 months. Bank of America pulled Experian for my personal credit card application in my region. My average age of credit history was 4 years 5 months. My Bank of America relationship consisted of 1 personal checking account, 1 personal savings account, 1 personal credit card, and 2 business credit cards. 🔗 Doctor of Credit article - Bank of America 7/12 Rule | Bank of America 3/12 Rule https://www.doctorofcredit.com/report-bank-of-america-7-12-rule-3-12-rule-for-new-cards/ Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bankofamerica #creditcardapply 2023-06-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343216/its-official-chase-sapphire-preferred-best-travel-credit-card-for-beginners https://gamma.videonest.org/343216_thumbnail_resized_v2.webp https://gamma.videonest.org/343216_video_v3.mp4 It’s Official: Chase Sapphire Preferred - BEST Travel Credit Card for Beginners The Chase Sapphire Preferred WON my vote for the #1 travel credit card for beginners! Learn my top 6 (actually 7) reasons why to determine if it’s a good choice for you. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join Are you new to the world of travel credit cards and looking for one to help you save money on your next vacation? The Chase Sapphire Preferred can be an excellent choice! While it may not be the right credit card for everyone, it surely offers one of the best overall rewards and benefits packages while being easy to use. While it’s likely NOT going to be a good choice if you’re looking for your first credit card ever, it can be a solid choice as your 2nd (or later) credit card (and perhaps first TRAVEL credit card) after building your credit for about a year with a good credit score. Here are my Top 7 Reasons why the Chase Sapphire Preferred is a great choice… Note: Terms apply to all Chase offers, rewards, and benefits. Visit chase.com to learn more. Reason 1: High-Value Welcome Offer. You can earn 60,000 Chase Ultimate Rewards points after spending $4,000 in the first 3 months. These Chase points are worth $600 toward cash back or $750 toward travel (at a minimum). Getting a lot of points quickly up front is an awesome way to save a lot of money on a trip that isn’t too far away. Reason 2: Good Reward Multipliers. The CSP earns 5X on Travel via the Chase Ultimate Rewards Portal, 3X Dining, 3X Online Grocery, 3X Select Streaming, 2X Other Travel, and 1X Other Purchases. Certain restrictions apply (see video for more). Reason 3: Strong Rewards Value. When you have the Chase Sapphire Preferred, you’ll be earning Ultimate Rewards points. 1 point = 1.0¢ towards cash back or 1.25¢ towards travel at a minimum. Having these guaranteed, flat-rate values makes for a compelling rewards program without much hassle. Reason 4: High Rewards Flexibility. You can redeem Chase points in a variety of ways, including using Chase Transfer Partners to gain access to higher potential value. Currently these include: AIRLINES - Aer Lingus AerClub - Air Canada Aeroplan - British Airways Executive Club - Air France-KLM Flying Blue - Emirates Skywards - Iberia Plus - JetBlue TrueBlue - Singapore Airlines KrisFlyer - Southwest Airlines Rapid Rewards - United MileagePlus - Virgin Atlantic Flying Club HOTELS - IHG One Rewards - Marriott Bonvoy - World of Hyatt Reason 5: Comprehensive Protections. The Chase Sapphire Preferred gives you both travel protections and retail protections. See video to learn more. Reason 6: Benefits Cover the Annual Fee. From the $50 Hotel Credit and Partner Benefits with Lyft, DoorDash, Instacart, and Gopuff, there are a lot of ways to cover the $95 annual fee very easily. Reason 7: Part of a Card Ecosystem. You can combine Chase Sapphire Preferred points with other Chase credit cards, including the Chase Freedom Flex and Chase Freedom Unlimited. And on the business side, the Chase Ink Business Unlimited, Chase Ink Business Cash, and Chase Ink Business Preferred all earn Ultimate Rewards points, too. You can pool ALL of them together into 1 point balance and make them ALL worth 1.25¢ (or more) towards travel! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #creditcard 2023-06-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343217/is-your-credit-card-application-declined-10-reasons-why https://gamma.videonest.org/343217_thumbnail_resized_v2.webp https://gamma.videonest.org/343217_video_v3.mp4 Is Your Credit Card Application DECLINED? (10 Reasons Why) Got denied for a credit card? Here are the TOP 10 reasons why most people get denied and what YOU can do to increase your chances of approval! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join Reason 1 - Wrong Card…Wrong Time: There are beginner credit cards meant for building credit (like student credit cards and secured credit cards), rebuilder credit cards meant to help you rebuild credit after a previous mishap, and rewards credit cards that are designed for people who’ve established a healthy credit track record (examples include airline credit cards, hotel credit cards, and more general travel options like the Amex Gold Card, Amex Platinum Card, Chase Sapphire Preferred credit card, and others). Reason 2 - Short Credit History: Generally, the longer your credit history, the better your credit score. Reason 3 - Not Knowing Bank Rules: The Chase 5/24 Rule, Amex Lifetime Rule, Citi 48 Month Rule, and Bank of American 2/3/4 Rule are examples of rules you’ll want to be aware of prior to submitting an application. 🎬 VIDEO - How to Get Approved for Chase Credit Cards (Chase Application Rules): https://youtu.be/mlGWG5btFmc 🎬 VIDEO - How to Get Approved for Amex Credit Cards (Amex Application Rules): https://youtu.be/X4afVAbhc4g Reason 4 - High Debt or Utilization: Keeping your reported credit utilization on the lower side is helpful when applying for more credit. Generally, under 30% is good and under 10% is great. Reason 5 - Derogatory Marks: Keep your credit report free from late payments, foreclosures, charge offs, bankruptcies, etc. Reason 6 - Too Many Recent Inquiries: Recent inquiries look like you may be a riskier borrower, so limit these prior to applying for a new card. Reason 7 - Too Many Newly Opened Accounts: New accounts being opened on your credit report also looks like a higher-risk behavior. Consider waiting for some time between credit card applications. Reason 8 - Credit Score Too Low: Although minimum credit score requirements aren’t published, you’ll want to focus on increasing your score over time. Reason 9 - Income Too Low: Although minimum income requirements aren’t published, a lender may also look at your debt-to-income ratio (DTI ratio) to make sure you have enough capital to repay debts. Reason 10 - Too Much Credit Already Given: Consider a credit line reallocation, if allowed. TIPS: HOW TO GET APPROVED FOR CREDIT CARDS! 1. Pay down your existing debts as much as you can. 2. Report low utilization on existing credit cards. 3. Get your credit score up. 4. Wait for inquiries to fall off and new accounts to age. 5. Learn the credit card application rules for different banks. 6. Increase your income. 7. Put financial responsibility above the credit card game. 8. Apply for the right credit card(s) based on your credit profile. 9. If denied, call the reconsideration line. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcardapply #creditcard 2023-05-31T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343218/how-to-earn-1000000-hilton-points-fast-beginners-guide https://gamma.videonest.org/343218_thumbnail_resized_v2.webp https://gamma.videonest.org/343218_video_v3.mp4 How to Earn 1,000,000 Hilton Points FAST! (Beginner’s Guide) Today I’m celebrating earning over 1 MILLION Hilton points! Learn how I did it and how YOU can too. Master these 15 ‘secret methods’ to make it happen as fast as possible! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - Beginner’s Guide to Transfer Partners for BIG VALUE (Amex, Chase, Citi, Capital One Credit Cards) https://youtu.be/ae1WayyrwnE In order to earn over 1 million Hilton Honors points, the Hilton Honors credit cards by American Express played a HUGE role. Right now, there are 4 Hilton credit cards available, which are… - Hilton Honors Card - Hilton Honors American Express Surpass Card - Hilton Honors American Express Aspire Card - Hilton Honors Business Card Getting the welcome offers (i.e. ‘signup bonuses’) from the Amex credit cards can give you a massive head start on earning Hilton points. You can earn the welcome offer on all 4 of these, so consider spreading out your applications throughout the year(s) to make it happen! For me, the top ways I used to earn Hilton points FAST were the Hilton credit card signup bonuses, Hilton credit card upgrade offers, regular spend on my Hilton credit cards, paid stays at Hilton properties, maintaining a certain level of Hilton elite status every year, and participating in Hilton Honors promotions. 00:00 - Intro 00:59 - Method 1 - Hilton Credit Card Welcome Offers 3:33 - Method 2 - Hilton Credit Card Upgrade Offers 6:09 - Method 3 - Hilton Credit Card Spending 7:17 - Method 4 - Hilton Credit Card Referrals 7:59 - Method 5 - Amex Offers on Hilton Credit Cards 8:49 - Method 6 - Hilton Hotel Stays (Paid) 9:56 - Method 7 - Hilton Honors Elite Status 10:56 - Method 8 - Hilton Honors Promotions 11:27 - EXAMPLE - Rewards Stacking! 14:01 - Method 9 - Transfer Amex Points 14:49 - Method 10 - Car Rentals 15:21 - Method 11 - Lyft Rides 16:19 - Method 12 - Convert Points (Amtrak, Virgin Atlantic) 16:46 - Method 13 - Hilton Honors Dining 17:38 - Method 14 - Hilton Event Planner Program 18:18 - Method 15 - Guest Opinion Rewards Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #hilton 2023-05-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343219/ouch-i-got-denied-for-the-us-bank-altitude-connect-why https://gamma.videonest.org/343219_thumbnail_resized_v2.webp https://gamma.videonest.org/343219_video_v3.mp4 OUCH: I Got Denied for the U.S. Bank Altitude Connect (Why?!) I applied for the U.S. Bank Altitude Connect card and got DENIED! Learn why and how I potentially could have avoided this. (PLUS: details about my credit score!) Click “Show More” to see Ad Disclosure. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - How Many Credit Cards Should I Have? https://youtu.be/aM77beAGgzI 🎬 VIDEO - How Often to Apply for Credit Cards https://youtu.be/2p7egp0iz9M 🎬 VIDEO - When to Pay Credit Card Bill to Increase Credit Score https://youtu.be/BtIwGldr9rY You may have seen my video from 1-2 weeks ago about applying for TWO credit cards at the same time (that is, two in the same day). One of those credit cards was the U.S Bank Altitude Connect Visa Signature. I wanted it for the welcome offer to earn 50,000 points after spending $2K in the first 120 days. That signup bonus is worth $500 towards travel or cash back, and the $95 annual fee is waived in Year 1. It's also got a great 'general purpose' rewards category of 4X points for travel (and 4X on gas). Unfortunately, U.S. Bank denied my application. The reason… “Maximum amount of unsecured credit already available.” In other words, I already have the maximum amount of credit that U.S. Bank is willing to lend me at this time. This was likely due to my overall profile, including credit score, income level, debts owed, and more. There wasn’t a way for me to know this prior to applying. Normally, this wouldn’t be much of an issue if I could use some existing credit from one of my other U.S. Bank cards to open this new one. But, U.S. Bank does not allow this in my experience. When I called the U.S. Bank reconsideration line to ask about this, I was simply told “no.” So…I got stuck and had to accept the decision for now! Regarding my relationship with U.S. Bank, it was as follows… - 1 personal checking account, 1 personal savings account, 1 business checking account, 2 personal credit cards, 1 business credit card. That said, I also learned the U.S. Bank pulled Experian and used the FICO 9 Score model (my score was 779 as of 5.11.2023). 📞 U.S. Bank Reconsideration Line: https://www.usbank.com/customer-service/knowledge-base/KB0069779.html Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcardapply #creditcards #creditcard 2023-05-23T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343220/amex-platinum-card-lounge-access-full-beginners-guide https://gamma.videonest.org/343220_thumbnail_resized_v2.webp https://gamma.videonest.org/343220_video_v3_converted.mp4 Amex Platinum Card LOUNGE ACCESS! (Full Beginner’s Guide) Got the Amex Platinum Card? You’ve got A TON of airport lounge access! Learn about how to get into the Centurion Lounge, Priority Pass lounges, Escape Lounges, and MUCH MORE with your card! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 00:00 - INTRO 00:52 - AMEX CENTURION LOUNGES - To get in, show your Amex Platinum Card or Eligibility Code; boarding pass for a confirmed, same-day reservation on any airline in any class; and a government-issued photo ID. - This is a departure-only lounge. You can use it up to 3 hours prior to takeoff. - For the Centurion Lounge guest policy, you can bring in 2 guests free after spending $75K per year on your Amex Platinum Card. Otherwise, children under 2 years are free with proof of age, children between 2-17 are $30 each, and adults 18+ are $50 each. - Amex Centurion Lounge locations: https://www.thecenturionlounge.com 4:44 - ESCAPE LOUNGES - THE CENTURION STUDIO PARTNER - To get in, show your Amex Platinum Card or Eligibility Code; boarding pass for a confirmed, same-day reservation on any airline in any class; and a government-issued photo ID. - This is a departure and arrival lounge and and there’s no limit to how long you can stay (until lounge closing) - For the Escape Lounge guest policy, you can bring in 2 free guests. Children under 2 years are free, additional guests pay the guest pass rate. - Escape Lounge locations (US): https://escapelounges.com/us/locations/ - Escape Lounge locations (UK): https://escapelounges.com/uk/locations/ 8:43 - DELTA SKY CLUBS - To get in, show your Amex Platinum Card; boarding pass for a confirmed, same-day reservation on a Delta-operated (Delta or Delta Connection) or Delta-marketed flight operated by WestJet in any class; and a government-issued photo ID. - This is a departure and arrival lounge and you can use it up to 3 hours prior to your flight. - For the Delta Sky Club guest policy, you can bring up to 2 guests or immediate family (spouse / domestic partner & children under 21 years of age) at the Day Pass Rate ($50 per person per visit as of May 2023) - Delta Sky Club locations: https://www.delta.com/us/en/delta-sky-club/locations 10:21 - AIRSPACE / ASPIRE LOUNGES - See video for details, I ran out of room in the description! 11:56 - PLAZA PREMIUM LOUNGES - To get in, show your Amex Platinum Card; boarding pass for a confirmed, same-day reservation on any airline in any class; and a government-issued photo ID. - Entry requirements may vary, but many are departure and arrival lounges. Time allocations may vary, but likely up to 3 hours. - For the Amex Plaza Premium Lounge guest policy, you can bring in 2 free guests. Children under 2 years are free. Additional guests pay the guest pass rate (children aged 2-11 get a discounted rate, currently 30% off as of May 2023) - Restrictions: Amex Priority Pass memberships EXCLUDE restaurant, spa, and retail locations. - Plaza Premium Lounge locations: https://www.plazapremiumlounge.com/en-uk 13:51 - PRIORITY PASS SELECT LOUNGES (AMEX) - To get in, show your Priority Pass membership card (physical or digital); boarding pass for a confirmed, same-day reservation on any airline in any class; and a government-issued photo ID. - Entry requirements may vary, but many are departure and arrival lounges. Time allocations may vary, but many allow up to 3 hours. - For the Amex Priority Pass guest policy, you can bring in 2 free guests. The policy for children may vary, but many lounges allow children under 2 years for free. Additional guests pay the guest pass rate. - Restrictions: Amex Priority Pass memberships EXCLUDE restaurant, spa, and retail locations. - Priority Pass Lounge locations: https://www.prioritypass.com 17:03 - LUFTHANSA LOUNGES - See video for details, I ran out of room in the description! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amex #americanexpress #creditcard 2023-05-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343221/watch-me-apply-2-cards-in-1-day-us-bank-altitude-connect-or-choice-privileges-select-mastercard https://gamma.videonest.org/343221_thumbnail_resized_v2.webp https://gamma.videonest.org/343221_video_v3.mp4 *WATCH ME APPLY* 2 Cards in 1 Day! U.S. Bank Altitude Connect | Choice Privileges Select Mastercard Watch me apply for 2 credit cards in the SAME day! I’ll walk you through both applications, show you my credit score, and more. Did I get approved? Watch to find out! Click “Show More” to see Ad Disclosure. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - How Many Credit Cards Should I Have? https://youtu.be/aM77beAGgzI 🎬 VIDEO - How Often to Apply for Credit Cards https://youtu.be/2p7egp0iz9M 🎬 VIDEO - When to Pay Credit Card Bill to Increase Credit Score https://youtu.be/BtIwGldr9rY 00:00 - Intro 00:30 - U.S. Bank Altitude Connect Visa Signature application 06:38 - Choice Privileges Select Mastercard application 13:26 - Application Summary (Credit Score & More) I’m applying for TWO credit cards at the same time (that is, two in the same day)! The first is the U.S Bank Altitude Connect Visa Signature Card and the second is the Choice Privileges Select Mastercard issued by Wells Fargo. I liked the U.S. Bank Altitude Connect for the welcome offer to earn 50,000 points after spending $2K in the first 120 days. That signup bonus is worth $500 towards travel or cash back, and the $95 annual fee is waived in Year 1. It's also got a great 'general purpose' rewards category of 4X points for travel. I liked the Choice Privileges Select credit card for the 90,000 point welcome offer after spending $3K in the first 3 months. This is a hotel credit card and the signup bonus is worth around $540 towards stays at Choice hotels. The $95 annual fee is waived in Year 1 on this card, too. It also has an Anniversary Bonus of 30,000 points and Automatic Platinum Elite Status (issued in the form of 20 Elite Night Credits)! My credit scores and inquiry counts BEFORE applying were… - Experian: 771 | 9 hard inquires - TransUnion: 803 | 5 hard inquiries - Equifax: 816 | 2 hard inquiries My credit scores and inquiry counts AFTER applying were… - Experian: 766 | 11 hard inquires - TransUnion: 803 | 5 hard inquiries (no change) - Equifax: 816 | 2 hard inquiries (no change) Regarding my relationships with U.S. Bank and Wells Fargo, they were as follows… - U.S. Bank: Personal checking account, personal savings account, 1 business checking account, 2 personal credit cards, 1 business credit card - Wells Fargo: Personal checking account, personal savings account, 2 personal credit cards Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcardapply #creditcards #creditcard 2023-05-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343222/amex-platinum-vs-delta-reserve-2023-which-should-you-get https://gamma.videonest.org/343222_thumbnail_resized_v2.webp https://gamma.videonest.org/343222_video_v3.mp4 Amex Platinum vs. Delta Reserve 2023 (Which Should YOU Get?!) Which is the BEST travel credit card between the Amex Platinum Card and the Delta SkyMiles Reserve? Find out with this side by side comparison (you’ll be shocked at the similarities)! Click “Show More” to see Ad Disclosure. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - Delta SkyMiles Reserve Card Review https://youtu.be/KOy4G2OhDsk 🎬 VIDEO - Do THIS to Get the Amex Platinum 150K Offer NOW! https://youtu.be/0B1VkNKtEVM 🎬 VIDEO - Are Airline Credit Cards Worth It? https://youtu.be/WhOdp8Qfyus The American Express Platinum Card and Delta SkyMiles Reserve American Express Card are two high-end travel credit cards. While some of their benefits are very similar (even identical at times), these travel credit cards still serve 2 very distinct purposes. WELCOME OFFERS (May 2023) The Amex Platinum Card’s public welcome offer is to earn 80K Amex Membership Rewards points after spending $6K in the first 6 months. This is worth $800+ toward flights and the card has a $695 annual fee. The Delta SkyMiles Reserve’s public welcome offer is to earn 50,000 Delta SkyMiles and 10,000 Delta MQMs after spending $5K in the first 6 months. The miles portion of this offer is worth around $550 on average and the card has a $550 annual fee. EARNING POINTS / MILES The Amex Platinum Card earns in the following ways: - 5X Flights (Directly with Airlines or via the Amex Travel Portal, up to $500K per year) - 5X Hotels (Via the Amex Travel Portal when they’re prepaid) - 1X Other Purchases The Delta SkyMiles Reserve Card earns in the following ways: - 3X Delta Purchases (Directly with Delta) - 1X Other Purchases REDEEMING POINTS / MILES - Amex Membership Rewards points earned from the Amex Platinum Card are worth 1.7¢ each on average towards travel via Amex Transfer Partners, 1.0¢ each towards flights via the Amex Travel Portal, and 0.6¢ each via cash back as a statement credit. - Delta SkyMiles earned from the Delta SkyMiles Reserve card are worth 1.1¢ each on average towards flights. AMEX PLATINUM CARD BENEFITS | DELTA SKYMILES RESERVE BENEFITS - The American Express Platinum Card offers a bunch of credits for travel ($789) and retail / lifestyle ($1,095). - Both cards offer up to $100 for TSA PreCheck or Global Entry. - Both cards offer airport lounge access to the Amex Centurion Lounges and Delta SkyClubs, but the Amex Platinum Card offers additional access including Priority Pass, Plaza Premium Lounges, and more. - The Amex Platinum Card offers elite status with Marriott Bonvoy, Hilton Honors, and several car rental companies (Hertz, Avis, National). The Delta Reserve Card offers benefits specifically with Delta (Delta Status Boost, MQD Waiver, Complimentary Upgrades, Upgrade Priority). - For flight-specific benefits, the Amex Platinum Card allows you to Upgrade with Points on select airlines (Delta is not currently an option). The Delta SkyMiles Reserve includes benefits like TakeOff 15, an Annual Companion Certificate, Free 1st Check Bag, 20% inflight discount, and Priority Boarding. - Additional benefits mentioned in the video. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #amex 2023-05-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343223/the-1-credit-card-setup-for-travel-mixed-trifecta https://gamma.videonest.org/343223_thumbnail_resized_v2.webp https://gamma.videonest.org/343223_video_v3.mp4 The #1 Credit Card Setup for TRAVEL?! (Mixed Trifecta) I found 3 of the BEST credit cards for travel & put them together to create an awesome TRIFECTA! Each one has unique rewards & benefits to make your next vacation a whole lot better (and more affordable). Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join To create my own Best MIXED Credit Card Trifecta, I had to meet certain criteria: 1. Each of the 3 travel credit card had to be from a different issuer. 2. None of the credit card rewards categories and benefits could have too much overlap. 3. All of the rewards had to give good value for travel. 4. The credit card annual fees had to be easily justified without too much hassle. 5. All of the credit cards had to provide long term value. Here are the 3 credit cards I chose and a little bit into the ‘why’… 1. Capital One Venture X: This is an excellent premium travel credit card that can give you $750+ in value from the welcome offer in Year 1. It also has strong rewards categories (up to 10X miles!) for select travel purchases and also earns 2X miles at a minimum for all standard purchases. For the $395 annual fee, you’ll receive an annual $300 travel credit, a 10,000 mile anniversary bonus (worth $100+ towards travel via the Capital One Travel portal), airport lounge access (Capital One Lounges, Plaza Premium Lounges, and Priority Pass Lounges), elite status and/or discounts with partner rental car companies, and more! 2. American Express Gold Card: If you eat food and like to travel, this card can make a lot of sense to get. After earning 60,000 Amex Membership Rewards points (or more) in Year 1, you’ll continue earning 4X points on Groceries at U.S. Supermarkets (up to $25K/year) and 4X on Dining Worldwide (including takeout and delivery in the U.S.). Despite the $250 annual fee, it comes with an annual $120 dining credit and a $120 Uber Cash benefit to help offset it. 3. Citi Custom Cash Card: This card is unique in that it earns 5X points in YOUR Top Spend Category each billing cycle from a preset list of 10 categories (max. $500/month). So, you can strategically use this card to capture a high return on spend in a category you choose that’s not covered by the other two cards. Furthermore, both the Amex Gold card and Capital One Venture X give you access to some excellent transfer partners, a number of which overlap so you can indirectly combine your rewards! Of course, there are plenty of other credit card trifectas you can create for yourself (including the popular Amex Trifecta and Chase Trifecta). Some of you may want to make your own with the likes of the Amex Platinum Card, Chase Sapphire Reserve, Chase Sapphire Preferred, or others. As always, choose the cards that fit into your lifestyle and work with your spending habits. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #capitalone 2023-05-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343224/apple-savings-account-should-you-get-it-or-how-to-open-setup-and-full-review https://gamma.videonest.org/343224_thumbnail_resized_v2.webp https://gamma.videonest.org/343224_video_v3.mp4 Apple Savings Account: Should YOU Get It? | How to Open, Setup & Full Review! The Apple Savings account is here! Should you apply? Watch me go through the application process, set everything up, and review the full experience so you can decide if it’s right for you! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🔗 PRESS RELEASE (Apple Newsroom) - Apple Card’s new high-yield Savings account is now available, offering a 4.15 percent APY https://www.apple.com/newsroom/2023/04/apple-cards-new-high-yield-savings-account-is-now-available-offering-a-4-point-15-percent-apy/ 🔗 CNBC ARTICLE – Apple launches its savings account with 4.15% interest rate https://www.cnbc.com/2023/04/17/apple-savings-account-announced-with-4point15percent-interest.html 🎬 VIDEO - Apple Card Review (Worth It?) https://youtu.be/VYmJNvLgAw8 👉 Apple Card Benefits (Mastercard): https://www.mastercard.com/apple-card-mastercard-benefits.html 📊 Apple Card Credit Score Requirement: https://support.apple.com/en-us/HT209218 The Apple Savings account was first announced on October 13, 2022 and later launched on April 17, 2023 with an impressive 4.15% APY. Of course, since interest rates change over time, that rate may be different in the future. Since Apple itself isn’t in the primary business of banking, Goldman Sachs Bank USA is the backing bank for the Apple Savings account, and you manage it from the Wallet app on your iOS device. APPLE SAVINGS ELIGIBILITY / APPLE SAVINGS ACCOUNT REQUIREMENTS - You are an Owner or Co-Owner of an active Apple Card account - You have an Apple Card added to your iPhone or iOS device - You’re 18+ years old - You have an SSN or ITIN - You’re a U.S. resident w/ a physical U.S. address - You have 2-factor authentication set up for your Apple ID with the latest version of iOS. 🔗 Apply for the Apple Card here: https://www.apple.com/apple-card/ APPLE SAVINGS ACCOUNT BENEFITS - No minimum opening balance - No minimum balance requirement - No monthly maintenance fees - Seamless integration with Apple Card and Wallet app - High-yield APY rates - FDIC insured up to $250K (this is the maximum deposit limit) APPLE SAVINGS HOW TO APPLY 1. Open Wallet app 2. Tap Apple Card 3. Tap More in top right (3-dots icon) 4. Select Daily Cash 5. Choose Set Up next to Savings 6. Follow the instructions Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #applesavings #applecard #savings 2023-05-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343225/how-to-fly-to-europe-with-points-amex-points-chase-points-and-more https://gamma.videonest.org/343225_thumbnail_resized_v2.webp https://gamma.videonest.org/343225_video_v3.mp4 How to Fly to EUROPE With Points! (Amex Points, Chase Points & More!) Want to travel to Europe CHEAP? I’ll show you how to use credit card points for your flight so you can save TONS of money. Sit back, relax, and enjoy the (almost) free flight! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - Beginner's Guide to Transfer Partners for BIG Value https://youtu.be/ae1WayyrwnE Europe is a destination so many people want to go to from the United States. Fortunately, learning how to fly to Europe cheap is easy once you learn how to use credit card points! We’ll look at 3 major airline programs along with some sample itineraries, plus the credit cards you may want to get to make it all happen! 00:00 - INTRO 00:13 - AIR CANADA AEROPLAN: This is still a distance-based airline rewards program, meaning the number of points you’ll need to redeem is based on the distance flown. In the video you’ll find 3 examples of how to fly from New York (JFK) to Frankfurt (FRA), Rome (FCO), and London (LHR). Air Canada is part of the Star Alliance, so you can use your Aeroplan points to fly on partner airlines like ANA, Avianca, Lufthansa, Singapore Airlines, United Airlines, and others. To earn Air Canada Aeroplan points, you’ll want to start with the following programs and credit cards: - American Express Membership Rewards Points: Any Amex credit card that earns these points will allow you to use Amex Transfer Partners, including the Amex Platinum Card, Amex Gold Card, and Amex Green Card - Chase Ultimate Rewards Points: You’ll want to obtain Chase credit cards that give you access to Chase Transfer Partners. The current options include the Chase Sapphire Preferred, Chase Sapphire Reserve, and Chase Ink Business Preferred. - Capital One Venture / Spark Miles: You can get any Capital One credit card that earns Venture miles (e.g. Capital One VentureOne card, Capital One Venture Rewards card, Capital One Venture X card) or a Capital One Spark business card that earns miles. - Bilt Rewards points: The only option at this time is the Bilt Mastercard / Bilt Credit Card. All of the programs transfer directly to Air Canada Aeroplan. 08:17 - AIR FRANCE-KLM FLYING BLUE: A great airline rewards program to fly to Europe. There’s no published award chart anymore, but they do have a useful calculator located at this link: https://www.flyingblue.fr/en/earn-spend/flights/rewards Sample itineraries include Los Angeles (LAX) to Paris (CDG), Dallas-Fort Worth (DFW) to Amsterdam (AMS), and Atlanta (ATL) to Barcelona (BCN). All 5 major travel credit card rewards programs transfer to Flying Blue (Amex, Chase, Capital One, Citi, Bilt). For Citi, just the Citi Premier Card offers access at this time. Air France and KLM are both part of the SkyTeam Alliance. 13:31 - UNITED MILEAGEPLUS: This is an excellent U.S. airline for flying to Europe. In the video I go over possible routes from New Jersey (EWR) to Athens (ATH), Miami (MIA) to Vienna (VIE), and Chicago (ORD) to Dublin (DUB). United Airlines is another Star Alliance airline (same as Air Canada). You can get United miles by transferring directly from both the Chase Ultimate Rewards program and the Bilt Rewards program. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #traveleurope #europetravel 2023-04-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343226/if-i-could-only-have-1-credit-card-in-2023 https://gamma.videonest.org/343226_thumbnail_resized_v2.webp https://gamma.videonest.org/343226_video_v3.mp4 If I Could Only Have 1 Credit Card in 2023... If I could have ONE credit card, which one would I choose?! THIS video reveals my #1 best credit card (at least for me personally) right now. Is it a good choice for you, too? Click “Show More” to see Ad Disclosure. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join For this year, if I could only use 1 credit card, it wouldn’t be the Amex Platinum Card or the Amex Gold Card or the Chase Sapphire Preferred. I’d choose the U.S. Bank Altitude Reserve Visa Infinite Card! Here’s why… 1. The intro offer of 50,000 points after spending $4.5K in the first 90 days is excellent. That’s worth $500 towards cash back or $750 towards travel. 2. The rewards structure includes two categories that earn 3X points, specifically, 3X Travel and 3X Mobile Wallet Purchases. Having a broad ‘travel’ category is very useful as it works for airlines, hotels, rental cars, and more (even if you do not book via the U.S. Bank travel portal)! Even better is earning 3X on mobile wallet transactions. As long as a merchant accepts the likes of Apple Pay or Android Pay, then the specific category doesn’t matter…you’ll earn 3X points regardless! Ever wondered what one of the best credit cards for Costco or Target is? This one! 3. Points are worth 1.5¢ each towards travel (and 1.0¢ each towards cash back). That’s a guaranteed flat rate redemption without needed to strategize. The U.S. Bank Real Time Rewards method is AMAZING. Once you enroll, you’ll get automatic text messages after making a travel purchase asking you if you want to redeem points. If you reply with ‘Redeem,’ then that’s it…you’re done and a statement credit will be on its way! 4. Airport lounge access via Priority Pass. The U.S. Bank Altitude Reserve gives you 4 free visits to Priority Pass lounges each year, plus 4 guest passes. 5. Visa Infinite Luxury Hotel Collection. This separate portal gives you benefits that function like a light level of hotel elite status at hundreds of properties worldwide. By this I mean things like room upgrades, complimentary breakfast for 2, late check-out, and more! 6. Up to $100 credit for TSA PreCheck or Global Entry. 7. No Foreign Transaction Fees, plus it’s a Visa credit card, so it will be accepted across the globe. 🔗 Visa Infinite Benefits - U.S. Bank Altitude Reserve: https://www.myvisacardportal.com/usbank/en_us/altitude/altitudereserve/visabenefits.html 🔗 Insurance and Protections - U.S. Bank Altitude Reserve: https://www.myvisacardportal.com/usbank/en_us/altitude/altitudereserve/protections.html On the whole, the U.S. Bank Altitude Reserve credit card is a fantastic all around travel credit card. You get the basics of a premium credit card without a bunch of perks that require ‘work’ or management to use them. Plus, although there aren’t any transfer partners, the ability to get a guaranteed 1.5¢ per point value is compelling. Simplicity is key with this card, and it delivers very well. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #creditcard 2023-04-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343227/watch-me-apply-bank-of-america-business-credit-card-business-advantage-unlimited-cash-rewards https://gamma.videonest.org/343227_thumbnail_resized_v2.webp https://gamma.videonest.org/343227_video_v3.mp4 *WATCH ME APPLY* Bank of America Business Credit Card (Business Advantage Unlimited Cash Rewards) Watch me apply for the Bank of America Business Advantage Unlimited card with a targeted $500 offer! I’ll walk you through the application, show you my credit score, and more. Did I get approved? Watch to find out! Click “Show More” to see Ad Disclosure. 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join The Bank of America Business Advantage Unlimited Cash Rewards credit card is an excellent business credit card for small businesses. While it doesn’t have high rewards rates in select categories, what it does offer is massive simplicity. It earns 1.5% cash back on all purchases with no limit and no annual fee. For some business owners, that alone is the biggest benefit as there isn’t much to manage. While the public offer at the moment is to earn a $300 statement credit after spending $3K in the first 3 months, I received a targeted offer by mail for a $500 statement credit after spending $5K in the first 3 months. Since it was expiring on April 28, 2023, and since I had taxes to pay, I decided to apply to see if I could get approved! Here are my main reasons for applying… 1. The $500 welcome offer is great, especially for a credit card with no annual fee. I view it as getting $500 off my taxes. 2. No annual fee. Should I decide to keep this credit card long term, it won’t cost me anything. 3. It’s a Bank of America business credit card, and those are known to NOT report to your personal credit report. This means it won’t have any effect on my credit score (except for the initial hard inquiry, which may drop my credit score by a few points, but only temporarily). For this reason, it also doesn’t affect the Chase 5/24 rule and I won’t have to be concerned about high credit card utilization dropping my score. 4. I want to build credit history for my business / LLC. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bilt #creditcardapply 2023-04-21T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343228/whats-in-my-wallet-q2-2023-or-credit-card-strategy-2023 https://gamma.videonest.org/343228_thumbnail_resized_v2.webp https://gamma.videonest.org/343228_video_v3.mp4 WHAT’S IN MY WALLET Q2 2023 | Credit Card Strategy 2023 Take a look inside my wallet to see which credit cards I’m using for Q2 2023! You’ll notice I’m more travel credit card focused at the moment (with a special focus on a couple Citi credit cards). Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards Ⓜ️ CARDMATCH - Check for Targeted Amex Platinum 150K Offer | Amex Gold 90K Offer | More! https://markscreditcards.com/cardmatch 💳🤝 AMEX PLATINUM REFERRAL LINK - Check for Targeted 150K Offer! (Copy & paste into private / incognito window) https://markscreditcards.com/referamexplatinum 💳🤝 AMEX GOLD REFERRAL LINK - Check for Targeted 90K Offer! (Copy & paste into private / incognito window) https://markscreditcards.com/referamexgold 💥 BILT MASTERCARD💥 https://markscreditcards.com/bilt 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 🤑 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📈 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join For Q1 2023, I’m focusing my credit card rewards across 7 credit cards with an additional focus on travel points for future trips: 1. Citi Custom Cash Card: With it’s flexible 5% rewards category that can change every month, I’m using this card to earn 5% back on restaurants for April. 2. Hilton Honors Business Card: For my upcoming trip to Florida, I’ll be staying at a Hilton hotel (Hilton Fort Lauderdale Marina) and paying cash. Since this Hilton credit card earns 12X points at Hilton (approximately a 6% return), it’ll be an excellent choice to earn points fast! (Plus, it also gives me Hilton Honors Gold Status for a daily $15 food credit per person, up to 2 people). 3. Citi Premier Card: I’m using this card to pay for gas (it earns 3X here). Since Citi might release a new card or two (i.e. the Citi Strata Premier and the Citi Strata Elite), I’m focusing on using my existing Citi credit cards in the hopes it may help with a future approval for either of those possible new card releases. Note: Citi may like to see use of existing cards when making credit card application decisions. 4. Bilt Mastercard: I’m using the Bilt Credit Card for my dining purchases from May - June. This will allow me to satisfy the 5 transaction requirement each month to earn Bilt points. 🎬 VIDEO: Bilt Mastercard Review | Bilt Credit Card Review https://youtu.be/y6z9ucu8Cms 5. Chase Freedom Flex: The Chase Freedom Flex calendar currently awards 5% cash back (in the form of 5X Chase Ultimate Rewards points) on purchases at Lowe’s and Amazon. This is my card of choice for Amazon purchases, as well as Lyft (it also earns 5% / 5X there due to a partnership between Chase and Lyft through March 31, 2025). 6. Amex Gold Card: Due to a referral bonus, I’m using this card to earn 9X Amex Membership Rewards points for 3 months on all supermarket spend (i.e. 4X standard + 5X referral bonus). 🎬 VIDEO: Do THIS to Get the Amex Gold 90K Offer NOW! https://youtu.be/pW6nLiXPXR0 7. Amex Platinum Card: This is my best credit card for lounge access, and I’d keeping it in my wallet in case I get to use the Escape Lounge Fort Lauderdale. 🎬 VIDEO: Do THIS to Get the Amex Platinum 150K Offer NOW! https://youtu.be/0B1VkNKtEVM Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #whatsinmywallet #bestcreditcards #americanexpress 2023-04-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343229/do-this-to-get-the-amex-gold-90k-offer-now https://gamma.videonest.org/343229_thumbnail_resized_v2.webp https://gamma.videonest.org/343229_video_v3.mp4 Do THIS to Get the Amex Gold 90K Offer NOW! Want to get the Amex Gold 90K offer? Try these 5 TRICKS to dramatically increase your changes of getting targeted! SPOILER ALERT: (You can try them every day!) Click “Show More” to see Ad Disclosure, links, and additional information below. Ⓜ️ CARDMATCH - Check for Targeted 90K Offer! https://markscreditcards.com/cardmatch 💳🤝 AMEX GOLD REFERRAL LINK - Check for Targeted 90K Offer! (Copy & paste into private / incognito window) https://markscreditcards.com/referamexgold 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🤑 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📈 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join The American Express Gold Card is a fantastic travel credit card that can help you earn travel rewards while at home due to its rewards categories of 4X points at U.S. Supermarkets (up to $25K spend) and Dining Worldwide. Plus, getting a 90K Membership Rewards points welcome offer makes it even better in that first year (worth at least $900 towards flights)! Amex points are extremely valuable in the travel credit card game, especially because the Amex transfer partners give you so many awesome ways to get creative when putting together an itinerary. However, the Amex Gold 90K offer is usually TARGETED, meaning not everyone will see it all the time. So, here are 5 TRICKS you can use to increase your odds of getting that 90K offer to show up before you apply. 1. CardMatch - this is a great tool to check for higher credit card signup bonuses, targeted offers, and elevated signup bonuses that may not be available to the public. The Amex Gold 90K may show up in here (and there’s no hard inquiry on your credit report). 2. Referral Links, especially via private / incognito browser windows. There’s an insane offer for the Amex Gold Card that is to earn 90K Membership Rewards points PLUS a $200 statement credit after meeting spending requirements, and it’s only available right now via referral links (see above) through 6.07.2023. 3. Private / Incognito Browser Window, directly via Amex’s website. When you clear your browser history, cookies, etc., it makes it look like it’s your first time going to the American Express website to apply for an Amex credit card. This may increase your chances of seeing higher welcome offers for the Amex Gold Card, Amex Platinum Card, and others. 4. Targeted Offers In Your Amex Account. Log into your American Express account and look around the dashboard, keeping an eye out for banners at the top or side, as well as browsing through the Amex Offers & Benefits section a bit further down. 5. Targeted Mailers. Before throwing out your junk mail, look for physical mailers from Amex with the 90K welcome offer! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amex #creditcards 2023-04-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343230/bilt-credit-card-review-beginners-guide-to-every-benefit-you-need-to-know https://gamma.videonest.org/343230_thumbnail_resized_v2.webp https://gamma.videonest.org/343230_video_v3.mp4 Bilt Credit Card Review - Beginner's Guide to EVERY Benefit You Need to Know The Bilt Mastercard may be the BEST travel credit card with no annual fee. Watch this Ultimate Beginner’s Guide to hear my review on the Bilt card before applying and see if it’s right for you! Click “Show More” to see Ad Disclosure, links, and additional information below. 💥👇 GET THE BILT MASTERCARD! http://markscreditcards.com/bilt Use the card 5 times each statement period to earn points. Terms Apply: https://www.wellsfargo.com/credit-cards/bilt/terms/ 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 00:00 Introduction 00:58 Signup Bonus Currently there’s no Bilt Credit Card signup bonus available to the public. However, targeted offers may exist. 01:56 Earn Bilt Points| Rewards Structure & Annual Fee - Up to 5X Lyft (2X as a Bilt Member, 3X when you pay with your Bilt Card) - 3X Dining - 2X Travel (Booked directly with the airlines, hotels, etc. or via the Bilt Travel Portal) - 1X Rent Payments (Up to 100K points per calendar year) - 1X Other Purchases NOTE: You must make at least 5 total purchases with your Bilt Credit Card per billing cycle in order to earn points. An exception is with the Lyft partnership. You don’t have to use your card 5 times each statement period to earn 3X points with Lyft, but the transaction(s) DO count towards the 5 transactions minimum requirement for other earnings). Annual Fee = $0 04:35 Redeem Bilt Points | What Are Bilt Points Worth? You can redeem Bilt points in many ways. Here’s a breakdown of what Bilt points are worth: - Travel via Bilt Transfer Partners: 1.7¢ each (avg.) - Travel via Bilt Travel Portal: 1.25¢ each (Flights, car rentals, hotels, activities) - Buy a Home (Down payment): 1.50¢ each - Rent Payments: 0.55¢ each - Fitness Classes or via Bilt Collection: 1.0¢ each (avg.) - Amazon (Pay with Points): 0.7¢ each 06:44 Bilt Transfer Partners Bilt Rewards has some fantastic transfer partners with airlines and hotels. See video for the list. 07:12 Bilt Elite Status | Bilt Status Tiers Bilt has 4 elite tiers (Blue, Silver, Gold, and Platinum). 08:36 Benefits Part 1 1. Bilt Rent Day: Earn bonus rewards on the 1st of every month (i.e. 6X Dining, 4X Travel, 2X Other Purchases, and 1X Rent Payments) 2. Bilt Rent Giveaway Challenge 3. Bilt Giveaways and Promotions 4. Bilt Rent Day Rides 5. Bilt Point Quest 10:09 Benefits Part 2 The Bilt For You program gives you access to articles about ways to redeem your points & more. 10:55 Benefits Part 3 - Bilt x point.me: Bilt partnered with another company called point.me to provide in-app searches for award availability across Bilt’s transfer partners. You can compare different redemption options before transferring your points. - Pay By Check: Have Bilt send a paper check to pay your rent and still earn points. - BiltProtect Debit: Pay rent via your checking account, avoid using your Bilt Credit Card limit, and still earn Bilt points. 16:16 Benefits Part 4 Bilt has partner benefits with DoorDash, Lyft, Fandango, and Shoprunner. 16:46 Benefits Part 5 - Mastercard Airport Concierge - Mastercard Travel and Lifestyle Services 17:16 Benefits Part 6 - Priceless Cities - Priceless Golf - Mastercard Concierge - No Foreign Transaction Fees 18:02 Insurance and Protections 18:27 How to Pay Rent With Bilt Yes, you can pay rent with a credit card without fees! 22:47 Bilt Non-Rent Payments Answers to common questions such as… - Can I Use Bilt to Pay My Mortgage? - Can I Use Bilt to Pay Utilities? - Can I Use Bilt to Pay Taxes? - Can I Use Bilt to Pay Tuition? 24:09 How to Pay Your Bill | Wells Fargo vs. Bilt 24:42 Is the Bilt Credit Card Worth It? Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bilt #bestcreditcards 2023-04-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343231/big-changes-amazon-prime-credit-card-review-should-you-get-it https://gamma.videonest.org/343231_thumbnail_resized_v2.webp https://gamma.videonest.org/343231_video_v3.mp4 BIG CHANGES: Amazon Prime Credit Card Review (Should You Get It?) The Amazon Prime Rewards Visa Signature Card is getting a BIG UPDATE to its rewards structure! Learn what this change could mean for you and if you should apply for it. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join The Amazon Prime Rewards Visa Signature credit card is an excellent card for frequent Amazon shoppers. Not only does it offer 5% cash back on your purchases at Amazon.com, but it’s also among the best cash back credit cards with no annual fee. Here’s my take on the Amazon Prime Credit Card REVIEW and WHAT’S CHANGING as of May 01, 2023! WELCOME OFFER (April 2023) If you apply for the Amazon Prime credit card right now, you can earn a $100 Amazon Gift Card that gets automatically deposited into your Amazon account. There’s no spend requirement to get it; just get approved for the credit card! REWARDS STRUCTURE (From now thru 4.30.2023) 5% Amazon* 5% Whole Foods Market* 2% Restaurants 2% Gas Stations 2% Drugstores 1% Other Purchases *NOTE: An Amazon Prime membership is required to earn 5% cash back. If your Amazon account doesn’t have an active Prime membership, the card will earn 3% instead. BIG UPDATES! (Effective 5.01.2023) - Change: The 2% Drugstores category will be discontinued. - New: A 5% Chase Travel category will be added. - New: A 2% Local Transit & Commuting category will be added. REWARDS STRUCTURE (Starting 5.01.2023) 5% Amazon* 5% Whole Foods Market* 5% Chase Travel* 2% Restaurants 2% Gas Stations 2% Local Transit & Commuting 1% Other Purchases *NOTE: An Amazon Prime membership is required to earn at the 5% rate (otherwise 3%). WHAT COUNTS FOR EACH CATEGORY? See this link: https://www.chase.com/personal/credit-cards/rewards-category-faq REDEEM CASH BACK - Cash back on the Amazon Prime credit card is earned as points. - 1 point = 1¢ ($0.01) - You can redeem points at checkout to pay for merchandise on Amazon.com - You can also redeem for cash back as a statement credit, deposit to checking account or savings account, towards travel, or for gift cards. NOTE ABOUT REWARDS POINTS - The Amazon Prime Visa DOES NOT earn Chase Ultimate Rewards points like the Chase Freedom Flex, Chase Freedom Unlimited, Chase Sapphire Preferred, or Chase Sapphire Reserve. Rather, it earns Amazon rewards points, which are a separate currency. Therefore, you cannot combine Amazon points with Chase points, get an extra boost in value towards travel, or transfer out to Chase transfer partners. AMAZON PRIME REWARDS VISA SIGNATURE CARD BENEFITS - No Foreign Transaction Fees - Visa Signature Luxury Hotel Collection - See this link: https://www.visasignaturehotels.com - Visa Signature Concierge - Prime Card Bonus: Get additional rewards on top of everyday 5% back (most are 10% or more!) INSURANCE AND PROTECTIONS - Auto Rental Collision Damage Waiver - Baggage Delay Insurance - Lost Luggage Reimbursement - Travel Accident Insurance - Travel and Emergency Assistance - Roadside Dispatch - Purchase Protection - Extended Warranty IS THE AMAZON PRIME CREDIT CARD WORTH IT? YES if you… - Spend a lot at Amazon and/or Whole Foods every year - Already have an Amazon Prime membership r can justify signing up - Want to earn cash back instead of travel rewards - Want a long-term ‘keeper’ card - Want travel & retail protections and no annual fee - Want no Foreign Transaction Fees and no annual fee NO if you… - Don’t spend much at Amazon or Whole Foods - Don’t have / can’t justify a Prime membership - Prefer travel rewards Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amazon #amazonprime 2023-04-04T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343232/the-1-credit-card-in-the-world-for-online-shopping-amex-blue-cash-everyday-review https://gamma.videonest.org/343232_thumbnail_resized_v2.webp https://gamma.videonest.org/343232_video_v3.mp4 The #1 Credit Card in the WORLD for Online Shopping?! (Amex Blue Cash Everyday Review) The Amex Blue Cash Everyday Card might be one of the BEST cash back credit cards ever for online shopping! Learn how I earned over 19% cash back on a single purchase (and how you can too)! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - Watch Me Apply! Amex Blue Cash Everyday Card https://youtu.be/bYWjFLXC2xs 🎬 VIDEO - Amex Blue Cash Everyday Unboxing https://youtu.be/CFM-rb7S-pk Looking for the BEST credit card for online shopping? Well, the American Express Blue Cash Everyday Card might be exactly what you’re looking for, especially if you want a cash back credit card with no annual fee. Welcome Offer: If you apply and get approved for the Amex Blue Cash Everyday right now, the current welcome offer is to earn a $200 statement credit after spending $2K on purchases in the first 6 months. You’ll also get a 0% APR on purchases and balance transfers for the first 15 months (then a variable 18.74% - 29.74% variable APR to follow). Additionally, you’ll receive $0 Buy Now Pay Later Plan It fees for the first 15 months, then up to a 1.33% monthly fee after that. Annual Fee: $0 Rewards - Earning: Here’s how the Amex Blue Cash Everyday Card earns cash back… - 3% Groceries at U.S. Supermarkets (up to $6K spent per year) - 3% Online Retail Purchases at U.S. Online Retailers (up to $6K spent per year) - 3% Gas at U.S. Gas Stations (up to $6K spent per year) - 1% Other Purchases Rewards - Redeeming: You can redeem for statement credits. Benefits: The Amex Blue Cash Everyday Card offers an $84 ‘The Disney Bundle’ Credit (issued as $7 per month) and a $180 Home Chef Credit (issued as up to $15 per month). Terms apply to both. You also get access to Amex Offers and a complimentary Shoprunner membership. Insurance & Protections: Both Car Rental Loss and Damage Insurance and Purchase Protection come with this card. How I Earned Over 19% Cash Back! - I combined the standard earning rate of 3% on U.S. Online Retail Purchases with an Amex Offer that was offering an additional 20% back (up to $10 max) for Under Armour purchases. That alone put me over 19%, but then I also went through Rakuten for an additional 10% AND used Shoprunner for free 2-day shipping and returns! Is the Amex Blue Cash Everyday Card Worth It? YES if you… - Want 1 of the BEST credit cards for online retail - Want 1 card to cover 3 useful categories: Online Retail (3%) | Gas (3%) | Groceries (3%) - Prefer cash back over travel rewards - Are ok with statement credit redemptions NO if you… - Buy groceries at Target, Walmart, Costco, etc. - Buy gas at supermarkets, warehouse clubs, etc. - Spend internationally in the 3% categories. - Spend a lot more than $6,000/yr. in the 3% categories & don’t want to switch cards. - Prefer travel rewards over cash back. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2023-03-31T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343233/5-things-killing-chase-credit-cards-nobody-talks-about https://gamma.videonest.org/343233_thumbnail_resized_v2.webp https://gamma.videonest.org/343233_video_v3.mp4 5 Things KILLING Chase Credit Cards (Nobody Talks About...) Chase credit cards have a HUGE PROBLEM that you need to be aware of before hitting that Apply button. Here’s everything you need to know to make sure you understand Chase’s shortcomings. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🤑 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📈 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 00:00 Introduction 00:42 Problem #1 – Chase Has Very Few Unique Transfer Partners. Of the 14 total Chase Transfer Partners, only 4 of them are unique when compared against Amex Transfer Partners, Citi Transfer Partners, and Capital One Transfer Partners. However, that drops down to only ONE UNIQUE PARTNER if you also add in Bilt Transfer Partners. 5:07 Problem #2 – One of Chase’s Best Transfer Partners (Hyatt) Is a Very Small Program. Hyatt hotels are fantastic, but they’ve got a very small footprint worldwide. Currently, there are around 1,600 hotels in the World of Hyatt program, yet the likes of IHG One Rewards and Hilton Honors have around 7,000 properties participating in their programs (and Marriott Bonvoy has over 8,000)! 6:30 - Problem #3 – Chase Offers Zero Personal Core Cards With a Dedicated Gas Category. Crazy! Neither the Chase Sapphire Reserve nor the Chase Sapphire Preferred have a rewards category for gas stations. The same holds true for the Chase Freedom Unlimited and the Chase Freedom Flex (although the Flex typically earns 5% at gas stations for one quarter of the year). 9:02 Problem #4 – Chase Offers Zero Core Cards With a Dedicated, Traditional Grocery Category. Crazy again! There are a bunch of co-branded credit cards issued by Chase that offer a grocery rewards category year round. Yet, the Chase Sapphire Preferred offers 3X Chase Ultimate Rewards points ONLY on ONLINE grocery purchases, and again, the Chase Freedom Flex typically has groceries as part of its quarterly categories for 3 months. 11:57 Problem #5 – Chase Has a Lot of Rules. We all know the Chase 5/24 Rule, but there are a handful of other Chase rules to be aware of that make applying for Chase credit cards a bit difficult. Watch the video below to learn more about them: 🎬 VIDEO – How to Get APPROVED for Chase Credit Cards (Chase Application Rules) https://youtu.be/mlGWG5btFmc Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #chase 2023-03-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343234/get-ready-6-new-credit-cards-coming-in-2023-rumors https://gamma.videonest.org/343234_thumbnail_resized_v2.webp https://gamma.videonest.org/343234_video_v3.mp4 GET READY: 6 NEW Credit Cards Coming in 2023?! (Rumors) Rumors of NEW credit cards from American Express, Chase, Citi and Wells Fargo are circulating! Find out which ones might be released in 2023 and vote for the ones you like best in the comments! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🤑 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📈 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🔗 Doctor of Credit – Citi Files Trademarks for Citi Strata Premier & Citi Strata Elite (New Credit Cards?) https://www.doctorofcredit.com/citi-files-trademarks-for-citi-strata-premier-citi-strata-elite-new-credit-cards/ 🔗 Reddit – Hilton Aspire possible changes? https://www.reddit.com/r/Hilton/comments/11hp3yp/hilton_aspire_possible_changes/ 🔗 Frequent Miler – Would rumored changes kill the Aspire card? https://frequentmiler.com/would-rumored-changes-kill-the-aspire-card/ 🔗 View from the Wing – Citibank Testing Revamp Of Premium American Airlines Credit Card https://viewfromthewing.com/citibank-testing-revamp-of-premium-american-airlines-credit-card/ 🔗 Doctor of Credit – Chase Files Trademark For ‘Chase Freedom Rise’ – New Card Coming? https://www.doctorofcredit.com/chase-files-trademark-for-chase-freedom-rise-new-card-coming/ 🔗 Doctor of Credit Wells Fargo To Release 5 New Rewards Credit Cards https://www.doctorofcredit.com/rumor-wells-fargo-to-release-5-new-rewards-credit-card/ 00:00 – Intro 00:26 – Citi Strata Premier – This could be a rebranding of the existing Citi Premier Card, which is an excellent all-in-one credit card for earning rewards (tons of 3X categories) but not so great for travel protections (it doesn’t have any). It could also be an all-new credit card product to fully replace the Citi Premier Card (perhaps new rewards categories, benefits, protections, etc.) 2:58 – Citi Strata Elite – This sounds like a full replacement of the older Citi Prestige Card, which hasn’t been available to new applicants for awhile now. The new Citi Travel Portal with Booking.com was recently launched, which makes it plausible that Citi would wait until later to release additional card products (assuming those cards would offer higher reward multipliers when booking via the portal). It also seems unlikely that Citi would let its competitors rule the premium credit card space without trying to compete (Chase Sapphire Reserve, Amex Platinum Card, U.S. Bank Altitude Reserve Card, Bank of America Premium Rewards Elite Card, etc.). It’s time for Citi to reenter the premium travel rewards credit card world with a strong product! 3:36 – Hilton Honors Aspire American Express Card – This is arguably the best hotel credit card ever launched (so far), and there are some BIG changes that could come to it. This includes an increase to the annual fee and a drastic change to the current $250 Hilton Resort Credit and $250 Airline Fee Credit (hint: both may be decreased, turn into quarterly credits, but gain a ton of flexibility in what you can use them for). 8:31 – Citi AAdvantage Executive World Elite Mastercard –American Airlines and Citi have been circulating surveys to select cardholders with 3 different possible versions of the card. One has a $550 annual fee, another has a $595 annual fee, and the third has a $645 annual fee. Each one offers slight additions to the reward multipliers, along with annual credits with partner companies. 15:23 – Chase Freedom Rise – Nothing is known about this potential new Chase credit card yet, but it sounds like it may be a beginner credit card, a secured credit card, or even a rebranding of the Chase Slate Edge Card. 17:29 – Wells Fargo – There’ve been rumors that Wells Fargo has yet to launch additional rewards credit cards. In recent history, they launched the Wells Fargo Autograph and Wells Fargo Reflect cards. Only time will tell if they add additional products to their portfolio. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #newcreditcard 2023-03-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343235/10-best-business-credit-cards-2023-best-credit-cards-for-small-business https://gamma.videonest.org/343235_thumbnail_resized_v2.webp https://gamma.videonest.org/343235_video_v3.mp4 10 BEST Business Credit Cards 2023 (Best Credit Cards for Small Business) Looking for the BEST credit cards for small business? Here are my TOP 10 business credit cards picks that you might want to add to your wallet ASAP! Click “Show More” to see Ad Disclosure, links, and additional information below. 📊 VIEW BUSINESS CREDIT CARD OFFERS! https://markscreditcards.com/business 💳👉 VIEW OTHER CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🤑 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📈 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura If you’re looking to build business credit and/or simply want to keep your business expenses separate from your personal expenses, then getting a business credit card for small business is an excellent way to accomplish this. Here are my top 10 choices… 00:00 - Intro 00:56 - Bank of America Business Advantage Unlimited Cash Rewards Secured credit Card This is a great option if you have no credit history or if you’re repairing / rebuilding past credit history. As a secured credit card, it requires putting down a deposit; you’ll then receive a credit limit equal to that deposit. Over time, Bank of America will do account reviews to see if you’re eligible to graduate to a regular unsecured credit card and get your deposit back. 2:44 - American Express Business Platinum Card The Amex Business Platinum Card is designed for those of you who have a lot of spend and/or have travel as a big focus of your business. It comes with a lot of elite travel perks like airport lounge access (Amex Centurion Lounges, Priority Pass Lounges, Delta Sky Clubs, and more), elite status with Marriott and Hilton, rental car upgrade opportunities, and TONS of credits that span both travel and business categories. It earns Amex Membership Rewards points, which are best used for flights and other select travel redemptions. 4:55 - American Express Business Gold Card The Amex Business Gold Card makes a lot of sense for those of you who have big spend in the 4X-point categories. The cool thing is that the card automatically awards you 4X points in the top 2 spend categories each billing cycle from an eligible list. In other words, wherever you SPENT the most is where you’ll EARN the most! Consider this card if you spend on travel, advertising, gas, and dining. 6:40 - American Express Blue Business Plus Credit Card The Amex Blue Business Plus earns 2X Membership Rewards points on all purchases, up to $50K per year. It’s a great card if you value simplicity and don’t want to worry about rewards categories. 8:03 - American Express Blue Business Cash Card The Amex Blue Business Cash earns 2% cash back on all purchases, up to $50K per year. Another excellent choice for simplicity. It even automatically redeems your cash back each month! 9:38 - Chase Ink Business Preferred credit card This business credit card has some fantastic 3X rewards categories and earns Chase Ultimate Rewards points (among the best travel points available). Consider this card if you spend on travel, advertising, shipping and dining. 11:12 - Chase Ink Business Cash credit card One of the best business credit cards with no annual fee. It earns cash back in the form of Chase Ultimate Rewards points (1 point = 1¢ for cash back). Consider it if you spend a lot at office supply stores and/or on internet, cable, and phone services (5% cash back in those categories on up to $25K spend per year). 12:53 - Costco Anywhere Visa Business Credit Card by Citi It goes without saying this card is awesome if you spend a lot at Costco (2% cash back), though it offers even higher rewards rates on gas (4%), restaurants (3%) and travel (3%). 14:34 - Bank of America Business Advantage Customized Cash Rewards credit card You might like this card for its ability to change your top rewards category (3% cash back) every month. Flexibility is the focus with this card! 16:26 - Amazon Business Prime Card Spend a lot on Amazon for your business? Consider this card to earn 5% cash back on those purchases with no annual fee! 18:19 - Summary Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #businesscredit 2023-03-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343236/do-this-to-get-the-amex-platinum-150k-offer-now https://gamma.videonest.org/343236_thumbnail_resized_v2.webp https://gamma.videonest.org/343236_video_v3.mp4 Do THIS to Get the Amex Platinum 150K Offer NOW! Want to get the Amex Platinum 150K offer? Try these 5 TRICKS to dramatically increase your changes of getting targeted! SPOILER ALERT: (You can try them every day!) Click “Show More” to see Ad Disclosure, links, and additional information below. Ⓜ️ CARDMATCH - Check for Targeted 150K Offer! https://markscreditcards.com/cardmatch 💳🤝 AMEX PLATINUM REFERRAL LINK - Check for Targeted 150K Offer! (Copy & paste into private / incognito window) https://markscreditcards.com/referamexplatinum 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🤑 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📈 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join The American Express Platinum Card is a fantastic travel credit card, and getting a 150K Membership Rewards points welcome offer makes it even better in that first year! Amex points are extremely valuable in the travel credit card game, especially because the Amex transfer partners give you so many awesome ways to get creative when putting together an itinerary. However, the Amex Platinum 150K offer is usually TARGETED, meaning not everyone will see it all the time. So, here are 5 TRICKS you can use to increase your odds of getting that 150K offer to show up before you apply. 1. CardMatch™ - this is a great tool to check for higher credit card signup bonuses, targeted offers, and elevated signup bonuses that may not be available to the public. The Amex Platinum 150K offer has been known to show up here. 2. Referral Links, especially via private / incognito browser windows. There’s an insane offer for the Amex Platinum Card that is to earn 150K Membership Rewards points PLUS a $200 statement credit after meeting spending requirements, and it’s only available right now via referral links (see above) through 6.07.2023. 3. Private / Incognito Browser Window, directly via Amex’s website. When you clear your browser history, cookies, etc., it makes it look like it’s your first time going to the American Express website to apply for an Amex credit card. This may increase your chances of seeing higher welcome offers for the Amex Platinum Card, Amex Gold Card, and others. 4. Targeted Offers In Your Amex Account. Log into your American Express account and look around the dashboard, keeping an eye out for banners at the top or side, as well as browsing through the Amex Offers & Benefits section a bit further down. 5. Targeted Mailers. Before throwing out your junk mail, look for physical mailers from Amex with the 150K welcome offer! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amex #creditcards 2023-03-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343237/are-hotel-credit-cards-worth-it-the-truth https://gamma.videonest.org/343237_thumbnail_resized_v2.webp https://gamma.videonest.org/343237_video_v3.mp4 Are HOTEL Credit Cards WORTH IT? (The TRUTH) Are HOTEL credit cards BETTER than the Amex Gold Card or Chase Sapphire Preferred? You’re about to find out! Learn if hotel credit cards are worth it and if you should add them to your wallet. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🤑 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📈 GET FREE STOCKS FROM WEBULL http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! http://markscreditcards.com/join When it comes to the best travel credit cards, there are MANY. From bank cards like the Amex Platinum Card or Chase Sapphire Reserve, to hotel credit cards like the Hilton Honors American Express and Marriott Bonvoy Boundless, to airline credit cards like the Delta credit cards and American Airlines credit cards, the choices are seemingly endless. But where do hotel credit cards fit in as part of an overall credit card strategy? Are they even worth getting? The answer may surprise you, as it’s both YES and NO depending on the situation. In this video, I’ll explain when hotel credit cards are worth it and how to best use them. I’ll also compare them to some of the best travel credit cards from Chase, American Express, Citi, and Capital One. That way you can see which credit card rewards are best used for everyday spending vs. travel (i.e. when staying at hotels, per the focus of this video). To put it simply… Hotel credit cards are usually BAD for: 1. Earning rewards on everyday spend. 2. Saving rewards long term. 3. Flexibility. Hotel credit cards are usually GREAT for 1. Earning hotel points fast via welcome offers (i.e. signup bonuses). 2. Obtaining hotel elite status by default and via spending. 3. Paying for nights directly at hotels. 4. Free night award certificates! Here are some of the best hotel credit cards available right now: - Hilton Honors American Express Card (also called the Hilton Honors Card) - Hilton Honors American Express Surpass Card (Hilton Honors Surpass Card) - Hilton Honors American Express Aspire Card (Hilton Aspire Card) - Hilton Honors Business Card - Marriott Bonvoy Bold credit card - Marriott Bonvoy Boundless credit card - Marriott Bonvoy Bountiful credit card - Marriott Bonvoy Business Card - Marriott Bonvoy Bevy American Express Card - Marriott Bonvoy Brilliant American Express Card - IHG Rewards Traveler Credit Card - IHG Rewards Premier Credit Card - IHG Rewards Premier Business Credit Card - World of Hyatt Credit Card - World of Hyatt Business Credit Card - Wyndham Rewards Earner Card - Wyndham Rewards Earner Plus Card - Wyndham Rewards Earner Business Card - Choice Privileges Mastercard (new version coming in Spring 2023, issued by Wells Fargo) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #travel 2023-03-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343238/unboxed-i-got-a-2nd-amex-platinum-card-or-amex-platinum-card-unboxing-2023 https://gamma.videonest.org/343238_thumbnail_resized_v2.webp https://gamma.videonest.org/343238_video_v3.mp4 UNBOXED: I Got a 2nd Amex Platinum Card?! | Amex Platinum Card Unboxing 2023! My NEW Amex Platinum Card arrived! Has anything changed since the earlier versions? Let’s find out (and also discuss how & why I decided to get TWO Amex Platinum Cards)! Click “Show More” to see Ad Disclosure, links, and additional information below. Ⓜ️ CARDMATCH - Check for Targeted 150K Offer! https://markscreditcards.com/cardmatch 💳🤝 AMEX PLATINUM REFERRAL LINK - Check for Targeted 150K Offer! (Copy & paste into private / incognito window) https://markscreditcards.com/referamexplatinum 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🤑 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📈 GET FREE STOCKS FROM WEBULL http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! http://markscreditcards.com/join The American Express Platinum Card has been updated a number of times over the years, going from a plastic card to a metal card, experiencing various increases to the annual fee, and a bunch of changes to the benefits. I recently upgraded my second Amex Gold Card (the Rose Gold Card version) to a second Amex Platinum Card. Normally, having 2 of the same credit cards doesn’t serve much of a purpose for most people, but I did have my reasons… 1. I wanted to make a video about the 18 Amex Platinum Card benefits guide to show others how they work. To do that, I wanted a ‘new’ Platinum Card to work with so the benefits dashboard would be fresh. That way I could make a better tutorial video. You can watch that video here: https://youtu.be/oqd5OthPJzE 2. I could still (more than) break even on a second American Express Platinum Card by using just a few benefits. Namely… (a) The $300 Equinox Credit now works on all membership types. Since I have a Single-Club Membership, this was great news. (b) The $200 Uber Cash benefit and $200 Airline Fee Credit are both easy for me to use every year for food delivery and/or pickup as well as incidental charges I make on 1 selected airline each year. Historically, I've enjoyed using this benefit on Southwest Airlines and American Airlines. (c) I also make good use of the $100 Saks Credit when buying gifts for other people. (d) Amex gave me a targeted upgrade offer to earn 25,000 Amex Membership Rewards points after spending $2,000 in the first 6 months. I should also note that since this is a metal credit card (actually a 'charge card'), it also has a flex factor for some people. However, make sure the card benefits make sense for you before getting it. With a $695 annual fee, you don't want it to cause you to waste your money. So, now it’s time for an American Express Platinum Card unboxing video given that my new one has arrived! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #amex 2023-03-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343239/the-most-expensive-hotel-credit-card-marriott-bonvoy-brilliant-worth-dollar650 https://gamma.videonest.org/343239_thumbnail_resized_v2.webp https://gamma.videonest.org/343239_video_v3.mp4 The Most EXPENSIVE Hotel Credit Card - Marriott Bonvoy Brilliant (Worth $650?!) Is the Marriott Bonvoy Brilliant credit card worth it? Here’s my in-depth review to help you decide whether to apply or keep it for another year! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🤑 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📈 GET FREE STOCKS FROM WEBULL http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! http://markscreditcards.com/join The Marriott Bonvoy Brilliant® American Express® card is currently the most expensive hotel credit card on the market, and it’s got some VIP perks to match its $650 price tag (and making it a sort of secondary Amex Black Card for Marriott loyalists). While some people may consider getting it instead of the Amex Platinum Card, Chase Sapphire Reserve credit card, or the Hilton Honors Aspire Card, it’s not necessarily meant to replace any of them (although it can). For people who regularly stay at Marriott hotels (especially at upscale and luxury brands) and who want 1 premium travel credit card, sure, the Marriott Bonvoy Brilliant can make sense. But for others who like to maximize their rewards, there’s a different perspective to entertain. The Bonvoy Brilliant can actually work alongside other travel credit cards. That’s because those other cards are better for earning more flexible travel rewards like Amex Membership Rewards points or Chase Ultimate Rewards points, while the Amex Bonvoy Brilliant is best used for its perks and benefits (many of which are listed below). Marriott Bonvoy Brilliant Benefits: - Bonvoy Brilliant $300 Dining Credit ($25/mo.) at restaurants worldwide - Marriott Free Night Award worth up to 85,000 points - Marriott Bonvoy Platinum Elite Status - 25 Elite Night Credits every year towards the next tier of status - Earned Choice Award after spending $60K in a calendar year (See award choices at: https://www.choice-benefit.marriott.com/brilliant) - Airport lounge access via a Priority Pass membership - $100 Marriott Bonvoy Property Credit for Ritz-Carlton and St. Regis properties - Global Entry / TSA PreCheck credit up to $100 - ShopRunner membership – Activate here: https://www.shoprunner.com/enroll/americanexpress - Access to Amex Offers - Access to American Express Experiences & Access programs - No Foreign Transaction Fees - Global Assist Hotline - Travel and retail insurance coverages Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #marriott 2023-03-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343240/amex-platinum-card-beginners-guide-to-18-benefits-you-need-to-know https://gamma.videonest.org/343240_thumbnail_resized_v2.webp https://gamma.videonest.org/343240_video_v3.mp4 Amex Platinum Card: BEGINNER'S GUIDE to 18 Benefits You Need to Know Got the Amex Platinum Card? GREAT! Now learn how to use these 18 MAJOR BENEFITS so you can get the most out of the card every time you use it. Click “Show More” to see Ad Disclosure, links, and additional information below. Ⓜ️ CARDMATCH - Check for Targeted 150K Offer! https://markscreditcards.com/cardmatch 💳🤝 AMEX PLATINUM REFERRAL LINK - Check for Targeted 150K Offer! (Copy & paste into private / incognito window) https://markscreditcards.com/referamexplatinum 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🤑 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📈 GET FREE STOCKS FROM WEBULL http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! http://markscreditcards.com/join The American Express Platinum Card benefits seem like they never end! This card has long been positioned as one of the best travel credit cards on the market and probably THE best credit card for lounge access. However, with all of the travel and lifestyle benefits that come with the Amex Platinum Card, there also comes a lot of terms and restrictions that you need to be aware of. In fact, many of the credits and benefits require enrollment or activation (and if you forget that step, they won’t work…at all)! Since nobody wants to pay a $695 annual fee for benefits that don’t work, this is your ULTIMATE GUIDE to the Amex Platinum Card to help you make them work in your favor. LIST OF AMEX PLATINUM CARD BENEFITS $200 Airline Fee Credit (1:18): Good for incidental purchases on 1 airline you select each year. - $200 Hotel Credit (3:46): Valid for hotel bookings via The Hotel Collection and the Amex Fine Hotels and Resorts program. - $100 TSA PreCheck or Global Entry Credit (4:15): Get reimbursed for the application fee of either program. - $189 CLEAR Credit (5:31): Receive a statement credit for the cost of the annual enrollment / renewal fee. - $155 Walmart+ Credit (6:05): Get your monthly Walmart+ membership fee (plus taxes) reimbursed. - $200 Uber Cash (7:03): Deposited into your Uber Wallet as $15/mo. and $35 in December. - $300 Equinox Credit (8:40): Covers all membership types (in gym and the Equinox+ app) - $300 SoulCycle At-Home Bike Credit (9:18): Rebate for the full cost of a SoulCycle bike purchase. - $240 Digital Entertainment Credit (10:35): Get up to $20/mo. in statement credits for eligible streaming subscription fees. - $100 Shop Saks with Platinum Credit (11:33): Up to $50 in January - June and another $50 July - December. - Marriott Bonvoy Gold Elite Status (12:16): Waive standard night / stay requirements to earn. - Hilton Honors Gold Status (13:28): Waive standard night / stay / point requirements to earn. - Car Rental Privileges (14:26): Hertz President’s Circle, Avis Preferred Plus, and National Emerald Club Executive status. - Global Lounge Collection (16:29): Get airport lounge access. Include Amex Centurion Lounges, Delta SkyClubs, Priority Pass Lounges, and more. - The Hotel Collection (17:42): Special benefits at curated hotels. - Fine Hotels & Resorts (18:25): Special benefits at curated hotels. - ShopRunner (19:12): Free 2-day shipping at select retail locations. - Amex Offers (19:40): Discounts, bonus points, etc. with partner merchants. 🎬 VIDEO - Amex Platinum Authorized User Benefits: https://youtu.be/7EI7IV3DIoU Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2023-03-04T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343241/the-best-2-credit-card-setup-capital-one-venture-x-savorone-capital-one-duo https://gamma.videonest.org/343241_thumbnail_resized_v2.webp https://gamma.videonest.org/343241_video_v3.mp4 The BEST 2 Credit Card Setup?! Capital One Venture X + SavorOne (Capital One DUO) I may have found the BEST 2 credit card setup for travel that’s NOT Amex or Chase! Learn why the Capital One Venture X and Capital One SavorOne make for a great credit card strategy! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳💥VIEW TOP CARD OFFERS! http://markscreditcards.com/topcards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🤑 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📈 GET FREE STOCKS FROM WEBULL http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🥇 CHANNEL MEMBERSHIP - VIP Perks! http://markscreditcards.com/join When it comes to the best credit cards for travel, most of us immediately think of Amex credit cards that earn Amex Membership Rewards points (like the Amex Platinum Card or the Amex Gold Card) or Chase credit cards that earn Chase Ultimate Rewards points (like the Chase Sapphire Preferred and the Chase Freedom Flex). BUT Capital One credit cards have been ramping up in a MAJOR way over the past couple years. Ever since they launched the Capital One Venture X credit card with premium rewards and benefits (like airport lounge access to the Capital One Lounge network, Priority Pass lounge network, and Plaza Premium lounge network), Capital One has positioned themselves as the new competitor to the premium travel credit card game. And here’s the really cool thing… Capital One allows you to convert cash back into miles! This means that if you own at least 1 Capital One Venture-branded card and 1 Capital One cash back credit card, then you can make this happen. NOTE: This is only a 1-way street, meaning you CAN transfer cash back into Capital One Venture miles, but you CANNOT transfer Capital One Venture miles into cash back. Examples of Capital One credit cards that you can use to make this work: - Capital One VentureOne ($0 annual fee) - Capital One Venture Rewards ($95 annual fee) - Capital One Venture X ($395 annual fee) - Capital One SavorOne ($0 annual fee) - Capital One Savor ($95 annual fee) - Capital One Quicksilver ($0 annual fee) This cash-to-miles conversion be done at a rate of 1¢ ($0.01) = 1 mile. So, if you had $125.60 of cash back, then that would become 12,560 miles. Capital One calls this feature ‘Move Rewards.’ Now for cash back rewards, you would NOT want to do this (because once you have miles, they lose 50% of their value if you redeem them for cash). BUT for TRAVEL, this is HUGE. Why? Because the Capital One Transfer Partners are where much larger value can be obtained (and some of the partners are very good). Transferring to partners is called ‘Convert Rewards.’ Here's the current list of Capital One Transfer Partners: Airlines - AeroMexico Club Premier - Air Canada Aeroplan - Air France KLM Flying Blue - Cathay Pacific Asia Miles - Avianca LifeMiles - British Airways Executive Club - Emirates Skywards - Etihad Guest - EVA Air Infinity MileageLands - Finnair Plus - Qantas Frequent Flyer - Singapore Airlines KrisFlyer - TAP Miles&Go - Turkish Airlines Miles&Smiles - Virgin Red Hotels - ALL (Accor Live Limitless) - Choice Privileges - Wyndham Rewards 🔗 Capital One Card Benefits Guide (Travel + Retail Protections) https://www.capitalone.com/credit-cards/benefits-guide/ 🔗 Capital One Uber Benefits Info https://www.capitalone.com/learn-grow/more-than-money/complimentary-uber-benefits/ And since the Capital One Venture X has some awesome benefits (including a $300 travel credit and a 10,000-mile anniversary bonus), recouping the cost of the annual fee can be incredibly easy, even by taking a single trip! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcard #capitalone 2023-02-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343242/climbing-the-credit-card-ladder-why-you-shouldnt-do-it https://gamma.videonest.org/343242_thumbnail_resized_v2.webp https://gamma.videonest.org/343242_video_v3.mp4 Climbing the Credit Card Ladder (Why You SHOULDN'T Do It) Should YOU climb the credit card ladder? Probably NOT…and you’ll be shocked to learn why. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 💥🏢BILT CREDIT CARD https://markscreditcards.com/bilt 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🤑 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📈 GET FREE STOCKS FROM WEBULL http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🥇 CHANNEL MEMBERSHIP - VIP Perks! http://markscreditcards.com/join What is the Credit Card Ladder? Simply put, it’s a step-by-step method to begin & grow your credit journey, achieving higher scores, better cards, and better rewards along the way. Climbing the Credit Card Ladder is designed to help people build credit for the first time or rebuild credit from lower scores. Frankly, it’s a good system and it can definitely lead you to have success. But here’s the thing… It’s NOT necessary. Why? Because it’s possible to build your credit score with ONE credit card (or an optional second) and still achieve high scores. It’s also possible to jump from that first beginner credit card all the way up to mid-tier or even top-tier premium travel credit cards WITHOUT passing through the lower tiers of the credit card ladder. Want the Amex Platinum Card? Great! You DON’T need to get an Amex credit card with no annual fee first…and then get the Amex Green Card…and then get the Amex Gold Card all before you submit an application for the Amex Platinum Card. Why not start with a student credit card, build for a year, and then go straight for that Amex Platinum when you graduate? Want the Chase Sapphire Reserve? Great! You DON’T need to get a Freedom-branded card first (like the Chase Freedom Flex or the Chase Freedom Unlimited), and then get the Chase Sapphire Preferred, and then upgrade to the Reserve. Why not start with a Capital One secured credit card, build for a year, and then go straight for that Chase Sapphire Preferred, Marriott Bonvoy Boundless, or World of Hyatt credit card? The important thing is that you start your credit card journey (usually on Tier 1 of the Credit Card Ladder), use it responsibly by paying your bill on time, avoiding interest and debt, not using a high percentage of your credit limit, etc. From there, you’ll have a lot more credit card options than you think. The Credit Card Ladder is GREAT for those of you who want structure…a blueprint…step by step instructions to follow to keep you on track and focused. But for those of you who simply want to get into the credit card game as quickly as possible to start saving money on travel, you can truly pave your own path once you’ve gotten that first year of credit history built (or potentially in even less time with certain cards, like Amex charge cards). The reason why this is possible is because you can go from a starter credit card and build a credit score into the 700s within a matter of months. And although many banks that issue travel credit cards may want to see 1 full year of credit history built up first, in reality, that’s still very short term (and it doesn’t require any sort of Credit Ladder process to make it happen). More importantly, however, is that you build smart financial habits along the way. Credit cards are awesome tools when used to your advantage, and a crucial step to that is making sure you can pay the bill ;-) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcard #creditcardsforbeginners 2023-02-23T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343243/big-changes-amex-platinum-card-in-2023-should-you-get-it https://gamma.videonest.org/343243_thumbnail_resized_v2.webp https://gamma.videonest.org/343243_video_v3.mp4 BIG CHANGES: Amex Platinum Card in 2023 (Should You Get It?) 🤑 Get up to 15 Free Stocks from moomoo: https://markscreditcards.com/moomoo 💳 The Amex Platinum Card has changed for the better and worse! Learn what you need to know before you apply. Click “Show More” to see Ad Disclosure, links, and additional information below. Ⓜ️ CARDMATCH - Check for Targeted 150K Offer! https://markscreditcards.com/cardmatch 💳🤝 AMEX PLATINUM REFERRAL LINK - Check for Targeted 150K Offer! (Copy & paste into private / incognito window) https://markscreditcards.com/referamexplatinum 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join Of all the best travel credit cards on the market, the American Express Platinum Card usually comes to mind first. Although its earning power is not great for everyday spending, where it really stands out is with all of the premium travel benefits (and more recently, lifestyle benefits). Here's my full Amex Platinum Card review... For the initial public welcome offer, you can earn 80,000 Amex Membership Rewards points after spending $6,000 in the first 6 months (worth $800+ for flights). However, there may also be Amex Platinum 150K offers on a targeted basis. The Amex Platinum Resy offers tend to be good as well. The Amex Platinum annual fee is now $695. To earn Amex Membership Rewards points long term, the Amex Platinum Card offers the following earning categories: - 5X Flights - booked directly with the airlines or via the Amex Travel portal on up to $500K spend per year. - 5X Hotels when they’re prepaid and booked via the Amex Travel portal. - 1X Other Purchases. What are Amex points worth? - 1 point = 1.7¢ on average when redeemed via Amex Transfer partners. - 1 point = 1.0¢ for flights and Amex Fine Hotels and Resorts bookings via the Amex Travel portal. - 1 point = 0.7¢ for hotels, car rentals, cruises, and vacations. - 1 point = 0.6¢ for cash back as a statement credit. Amex Transfer Partners Airlines - Aer Lingus AerClub - Aeromexico Club Premier - Air Canada Aeroplan - Air France KLM Flying Blue - ANA Mileage Club - Avianca LifeMiles - British Airways - Cathay Pacific Asia Miles - Delta SkyMiles - Emirates Skywards - Etihad Guest - Hawaiian Airlines HawaiianMiles - Iberia Plus - JetBlue TrueBlue - Qantas Frequent Flier - Singapore Airlines KrisFlyer - Virgin Atlantic Flying Club Hotels - Choice Privileges - Hilton Honors - Marriott Bonvoy Regarding the Amex Platinum Card Benefits, there are TONS of them outlined in the video. They range from travel to lifestyle to retail benefits (plus insurance protections) and can bring a lot of value provided they fit into your spending and travel habits. Here are a few of the updates that have occurred over the past year or so… 1. The Amex Centurion Lounge guest policy has changed. - Guests ages 18+: $50 each - Guests ages 2-17: $30 each - Guests under 2 years old: free - WAIVER: By spending $75K per calendar year on the Platinum Card, you can bring 2 guests per visit for free. 2. The $300 Equinox credit can now be used annually. It will run on a calendar year and ALL membership types will be eligible. 3. The Hertz elite status has been upgraded to Hertz President's Circle. 4. The CLEAR Credit is now $189 (up from $179). 5. The $240 Digital Entertainment credit has expanded and now includes: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and the New York Times. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #moomootrading 2023-02-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343244/amex-green-card-canceled-heres-why https://gamma.videonest.org/343244_thumbnail_resized_v2.webp https://gamma.videonest.org/343244_video_v3.mp4 Amex Green Card CANCELED! (Here’s Why…) 🤑 Get up to 15 Free Stocks from moomoo: https://markscreditcards.com/moomoo 💳 Is the Amex Green Card worth it? Maybe for you, but not for me! Here are 5 reasons why I canceled. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 💥🏢BILT CREDIT CARD https://markscreditcards.com/bilt 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join The Amex Green Card is actually a great travel credit card. It earns Amex Membership Rewards points which are among the best rewards to redeem for flights, and it has some excellent 3X rewards categories that cover a lot of areas. However, since having the card since 2018, the value proposition has decreased for me and it no longer fits into my overall credit card strategy. Here are my reasons for canceling the American Express Green Card… Reason #1: I have no use for the $189 CLEAR Credit. CLEAR is great for expedited security at the airport and other participating locations (like stadiums). However, I also have the Amex Platinum Card which offers the exact same credit. Since I have no need for a second, this has no value for me. Reason #2: I have no use for the $100 LoungeBuddy Credit. LoungeBuddy was acquired by Amex in 2019 and it allows you to buy day passes to airport lounges around the world. However, many of those lounges also participate in Priority Pass and/or the Plaza Premium programs. I have access to those networks through the American Express Platinum Card, too, so this is another overlap in benefits that doesn’t make sense for me. Reason #3: I only use the Amex Green Card for a few rewards categories, like rideshares, parking, tolls, and non-chain hotels. But…I also have other credit cards to cover those categories. This could mean using my Chase Sapphire Preferred credit card, my U.S. Bank Altitude Reserve card, or my Wells Fargo Propel card (which has since been replaced by the newer Wells Fargo Autograph card, offering virtually the same 3X categories with no annual fee). Reason #4: My annual spend is too small. Since I cannot use the 2 credits mentioned above, I’d have to earn enough Amex Membership Rewards points each year to break even with the $150 annual fee and then get into profit. However, my spend isn’t large enough to make that happen. Reason #5: I didn’t get an Amex retention offer this year. So, while I do think the Amex Green Card is an excellent product, it’s just not right for me at the moment. For the reasons listed, I decided to cancel the card. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #amex 2023-02-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343245/best-travel-credit-cards-2023-do-you-have-these-8-cards https://gamma.videonest.org/343245_thumbnail_resized_v2.webp https://gamma.videonest.org/343245_video_v3.mp4 Best Travel Credit Cards 2023 (Do YOU Have These 8 Cards?) 🤑 Get up to 15 Free Stocks from moomoo: https://markscreditcards.com/moomoo 💳 Looking for the best credit cards for travel? Here are my top 8 travel credit cards that you might want to add to your wallet ASAP! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 💥🏢BILT CREDIT CARD https://markscreditcards.com/bilt 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese There’s no question that the best travel credit cards are the ones that earn flexible and transferrable points. By that I mean the credit card rewards programs allow you to redeem for virtually any flight, hotel, or rental car that you like, or even transfer / convert points directly to those programs. By doing so, you have WAY MORE redemption options, allowing you to get a lot more creative with your itineraries. The most valuable credit card points, therefore, are Chase Ultimate Rewards points, Amex Membership Rewards points, Citi ThankYou points, Capital One Venture Miles, and Bilt Rewards points, all of which have a presence in this video! Some of the best Chase credit cards that earn Chase Ultimate Rewards points are the Chase Sapphire Reserve (a premium credit card), the Chase Sapphire Preferred (the mid-tier travel credit card), and both the Chase Freedom Flex and Chase Freedom Unlimited (more entry-level credit cards with no annual fee that work extremely well when combined with the Sapphire-branded cards as those make all the points worth more). Some of the best American Express credit cards that earn Amex Membership Rewards points are the Amex Platinum Card (a top-tier travel card with airport lounge access, VIP perks, and more), the Amex Gold Card (an excellent mid-tier card for everyday use at grocery stores and restaurants), and the Amex Green Card (probably Amex’s best all-around travel card for its flexible 3X point earning categories on travel and transit). Some of the best Citi credit cards that earn Citi ThankYou points include the Citi Premier Card (currently the top-tier offering but only with a $95 annual fee and tons of great day-to-day rewards categories earning 3X points – including gas stations!), the Citi Custom Cash Card (allowing you to earn 5X points where you spend the most), and the Citi Double Cash credit card (great to earn 2X ThankYou points on all purchases after paying your bill in full). Some of the best Capital One credit cards earning Venture miles include the Capital One Venture X card (Capital One’s most premium offering right now with a $395 annual fee) and the Capital One Venture Rewards card (a trimmed down version of the “X” and a lower $95 annual fee). You can also add the Capital One Savor Card or the Capital One SavorOne card (both cash back credit cards), and then convert your cash back rewards into Venture miles as long as you have a Venture-branded card, too. Finally, the Bilt Credit Card (aka Bilt Mastercard) is a phenomenal travel credit card with no annual fee that also earns transferrable points – including to American Airlines AAdvantage! And although the U.S. Bank Altitude Reserve card does not have transfer partners, its points can be redeemed at a guaranteed 1.5¢ per point value (awesome for simplicity, especially for domestic flights). The really cool thing is that all of the above banks offer credit cards with transfer partners, some of which overlap. That means you can indirectly combine all your credit card points / miles by transferring to a common airline or hotel program :D Best Travel Credit Cards 2023 (The List) 1. Amex Platinum Card 2. Amex Gold Card 3. Chase Sapphire Reserve 4. Chase Sapphire Preferred 5. Citi Premier Card 6. Capital One Venture X 7. U.S. Bank Altitude Reserve 8. Bilt Credit Card / Bilt Mastercard Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #travel 2023-02-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343246/bilt-credit-card-unboxing-coolest-ever https://gamma.videonest.org/343246_thumbnail_resized_v2.webp https://gamma.videonest.org/343246_video_v3.mp4 Bilt Credit Card Unboxing (Coolest Ever?!) 🤑 Get up to 15 Free Stocks from moomoo: https://markscreditcards.com/moomoo 💳 My Bilt Mastercard ARRIVED! Check out this really unique unboxing video and learn why I decided to apply for the credit card. Click “Show More” to see Ad Disclosure, links, and additional information below. 💥👇 GET THE BILT MASTERCARD! http://markscreditcards.com/bilt Use the card 5 times each statement period to earn points. Terms Apply: https://www.wellsfargo.com/credit-cards/bilt/terms/ 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese I finally got my hands on one of the most unique credit cards to be launched in a long time (and currently the best credit card to pay rent)! It’s called the Bilt World Elite Mastercard (or Bilt Mastercard for short … or more casually just the Bilt Credit Card). What makes it so unique is that you can pay rent with a credit card AND earn rewards (1 point per dollar) WITHOUT fees (i.e. the typical 2% - 3% transaction fee you’d normally have to pay when using a credit card). That’s a game changer because normally paying additional fees cancels out the value of the rewards you’d earn on regular travel credit cards or cash back credit cards. That’s why up until now I’ve always paid my rent via cash / ACH from a checking account OR on a new credit card with a signup bonus that was large enough to justify any fees and still leave me with hundreds in profit. Beyond rent, you can still use the Bilt Mastercard to earn points in other spend categories. It earns 3X points on dining, 2X points on travel, and 1X points on all other purchases (as long as you make at least 5 total transactions per billing cycle on purchases). Those rates are doubled on the 1st of each month (i.e. Bilt Rent Day) so you can earn 6X, 4X, and 2X (except for rent, which still earns 1X). I plan to cover all the details on how to redeem Bilt points as well as the Bilt Credit Card benefits in a future Bilt Credit Card review video. Meanwhile, here are the main reasons why I applied for the Bilt Mastercard: 1. I could finally understand the rewards program. It used to be overly complicated when it first launched. Fortunately, the rewards program has been simplified since then. Here's a link to a post by NerdWallet about the old rewards structure in case you'd like to see what it was like: https://www.nerdwallet.com/article/credit-cards/bilt-mastercard-earn-rewards-on-rent-payments 2. Earn rewards by paying rent without fees. This means that the value of the rewards I earn is now actual profit that I can redeem to save money on travel. 3. Competitive travel credit card with no annual fee. The Bilt transfer partners are very strong and the card has some excellent travel protections, too. Here’s the current list of Bilt transfer partners, which may change over time: - American Airlines AAdvantage - Air Canada Aeroplan - United MileagePlus - Emirates Skywards - Air France KLM Flying Blue - Hawaiian Airlines HawaiianMiles - Turkish Airlines Miles&Smiles - Virgin Red - Cathay Pacific Asia Miles - British Airways Avios - Iberia Airlines Avios - Aer Lingus AerClub - IHG Hotels & Resorts - World of Hyatt 4. Get first-hand experience using it. There are a lot of unique features of the Bilt Mastercard that I wanted to better understand by actually using the card product. 5. YouTube content / educate others. Many others have questions about this card, so once I learn how to use it myself, I’m eager to share what I learn with others so they too can earn rewards by paying rent with a credit card! What did you think of the Bilt Credit Card Unboxing? I've gotta say, it's probably the coolest I've seen in years! (perhaps ever?) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bilt #unboxingvideo 2023-02-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343247/is-this-the-best-airline-credit-card-united-club-infinite-card-review-in-depth https://gamma.videonest.org/343247_thumbnail_resized_v2.webp https://gamma.videonest.org/343247_video_v3.mp4 Is This The BEST Airline Credit Card?! United Club Infinite Card Review (In Depth) 🤑 Get up to 15 Free Stocks from moomoo: https://markscreditcards.com/moomoo 💳 Is the United Club Infinite Card worth it? Here’s my in-depth review to help you decide whether to apply or keep yours for another year! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 💥🏢BILT CREDIT CARD https://markscreditcards.com/bilt 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese If you’re a frequent flier on United Airlines and enjoy lounge access and VIP / elite perks, then the United Club Infinite Card should definitely be on your radar! On the whole, airline credit cards are typically best for their benefits and less so for ongoing spend (a good exception to that is using the card to spend towards earning higher levels of elite status). To help you decide if you should apply, here’s a detailed review of the United Club Infinite Card benefits and how they work. WELCOME OFFER (Jan. 2023) Earn 80,000 United miles after spending $5K in the first 3 months. The approximate value of this offer is $1,040 on average when redeemed for flights. ANNUAL FEE = $525 MILES - EARNING 4X United Purchases 2X Other Travel 2X Dining 1X Other Purchases MILES - REDEEMING What are United miles worth? Well, you may be able to get around 1.3¢ per mile on average when redeeming for flights on United Airlines and/or their partners in the Star Alliance. UNITED CLUB INFINITE CARD BENEFITS 1. United Club Membership - See access rules here: https://www.united.com/ual/en/us/fly/travel/airport/united-club-and-lounges/access.html 2. Free Checked Bags (up to 2) 3. Premier Access (designated check-in lines, priority security lanes, priority boarding, and priority baggage handling). 4. $100 Application Fee Credit for Global Entry, TSA PreCheck, or NEXUS 5. 25% Discount for Inflight Purchases and on United Club Premium Drinks 6. 10% Saver Award Discount 7. 8,000 Premier Qualifying Points (PQP) – earn United Premier status faster via spend. 8. Award Ticket Upgrades – higher priority. 9. IHG Platinum Elite Status - Enroll at: united.com/ihgstatus 10. $75 IHG Credit 11. DoorDash (DashPass) for 1 year 12. Avis President’s Club Elite Status - Enroll at: united.com/AvisChaseBenefit 13. Luxury Hotel & Resort Collection (LHRC) - Book at: LHRCollection.com 14. Visa Infinite Concierge COMPARE UNITED PREMIER STATUS TIERS https://www.united.com/ual/en/us/fly/mileageplus/premier.html INSURANCE & PROTECTIONS - Trip Cancellation / Trip Interruption Insurance - Baggage Delay Insurance - Lost Luggage Reimbursement - Trip Delay Reimbursement - Auto Rental Collision Damage Waiver (primary) - Purchase Protection - Return Protection - Extended Warranty Protection WORTH IT? YES if you… - Fly United moderately to frequently, want elite-like benefits, but don’t fly enough to earn Premier status. - Already have Premier status & want to spend toward a higher level. - Want a United Club Membership. - Value the convenience of Premier Access. NO if you… - Fly United infrequently (or not at all). - Would not use the United Club enough to justify a full membership. (Note: You can also purchase individual United Club day passes - United calls these United Club One Time Passes. Additionally, the United Explorer Card and the United Business Card both offer 2 United Club One Time Passes each cardmember year). - Don’t need / want Premier Access® benefits. - If the benefits from other United cards w/ lower annual fees are sufficient for you. - Prefer to earn more flexible / transferrable points. - Prefer to earn cash back rewards. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #unitedairlines #bestcreditcards 2023-01-31T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343248/should-i-cancel-capital-one-venture-x-my-thoughts-after-1-year https://gamma.videonest.org/343248_thumbnail_resized_v2.webp https://gamma.videonest.org/343248_video_v3.mp4 SHOULD I CANCEL? Capital One Venture X (My Thoughts After 1 Year) 🤑 Get up to 15 Free Stocks from moomoo: https://markscreditcards.com/moomoo 💳 Is the Capital One Venture X card worth it? Here’s my in-depth review to help you decide whether to apply or keep if for another year! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳💥VIEW TOP CARD OFFERS! http://markscreditcards.com/topcards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese The Capital One Venture X is a really well-rounded travel credit card with strong rewards earning potential and a good handful of travel benefits. BUT…is it worth getting (and keeping) ? Find out with this review of the Capital One Venture X benefits! WELCOME OFFER Right now the Capital One Venture X has a signup bonus of 75K miles after spending $4K in the first 3 months. Those miles are worth at least $750 towards travel. ANNUAL FEE = $395 MILES - EARNING Here’s the rewards structure to earn Capital One miles long term… - 10X Hotels via Capital One Travel portal - 10X Rental Cars via Capital One Travel portal - 10X Turo thru 5.16.2023 - 5X Flights via Capital One Travel portal - 2X Other Purchases MILES - REDEEMING What are Capital One Miles worth? Well, you may be able to get around 1.7¢ per mile on average when redeeming via Capital One Transfer partners, 1.0¢ per mile via the Capital One Travel portal, and 0.5¢ per mile when redeeming for cash back. CAPITAL ONE TRANSFER PARTNERS Here’s the current list of airline and hotel transfer partners… Airlines - AeroMexico Club Premier - Air Canada Aeroplan - Air France-KLM Flying Blue - Cathay Pacific Asia Miles - Avianca LifeMiles - British Airways Executive Club - Emirates Skywards - Etihad Guest - EVA Air Infinity MileageLands - Finnair Plus - Qantas Frequent Flyer - Singapore Airlines KrisFlyer - TAP Air Portugal Miles&Go - Turkish Airlines Miles&Smiles - Virgin Red Hotels - Accor Live Limitless (ALL) - Choice Privileges - Wyndham Rewards CAPITAL ONE VENTURE X BENEFITS 1. $300 Annual Travel Credit valid for travel bookings via the Capital One portal 2. 10,000 Mile Anniversary Bonus each cardmember year 3. Airport Lounge Access, including: - Capital One Lounges - Plaza Premium Lounges - Priority Pass Lounges - enroll here: https://www.prioritypass.com/capitalone 4. Global Entry / TSA PreCheck Credit: Up to $100 every 4 years 5. Hertz President’s Circle Elite Status - more info: https://www.capitalone.com/learn-grow/more-than-money/elevate-your-travel-with-hertz-and-capital-one/ 6. Capital One Premier Collection Hotels for special VIP perks 7. Visa Infinite Luxury Hotel Collection - link: http://visainfinitehotels.com 8. The Cultivist Membership 9. Gravity Haus Membership 10. PRIOR Subscription 11. Capital One Dining 12. Capital One Entertainment 13. No Foreign Transaction Fees INSURANCE & PROTECTIONS - Trip Cancellation & Interruption Insurance - Trip Delay Reimbursement - Lost Luggage Reimbursement - Travel Accident Insurance - Cellphone Protection - Primary Rental Car Insurance - Purchase Protection - Return Protection - Extended Warranty Protection WORTH IT? YES if you… - Want a well-rounded, premium travel card at a more affordable price than the competition. - Want to use 1 card (for travel and/or everything else). - Want to earn travel rewards. - Pay cash for travel via Capital One Travel portal. - Value airport lounge access. - Value Hertz President’s Circle status. - Value travel & retail protections. NO if you… - Don’t travel every year. - Don’t like to book via portals. - Don’t need / want airport lounge access. - Aren’t willing to pay a $395 annual fee. - Prefer cash back rewards. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #capitalone #moomootrading 2023-01-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343249/amex-points-how-to-redeem-for-travel-5-ways https://gamma.videonest.org/343249_thumbnail_resized_v2.webp https://gamma.videonest.org/343249_video_v3.mp4 Amex Points - How to Redeem for TRAVEL (5 Ways) 🤑 Get up to 15 Free Stocks from moomoo: https://markscreditcards.com/moomoo 💳 Want to learn how to travel for cheap with your Amex Platinum Card or Amex Gold Card? Here’s how! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 💥🏢BILT CREDIT CARD https://markscreditcards.com/bilt 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura American Express credit cards are some of the BEST travel credit cards available. Whether you’ve got the top-tier Amex Platinum Card, mi-tier Amex Gold Card, entry-level Amex Green Card, or any other Amex card that earns Amex Membership Rewards points, you’ve got a really powerful rewards currency in your hands. Here are 5 ways to redeem Amex Membership Rewards points for travel: 1. Amex Travel Portal: Here you can redeem your Amex points for flights, hotels, flight and hotel packages, rental cars, and cruises. It operates in a similar way to other 3rd party travel portals like Expedia, Kayak, Travelocity, and others. You Amex point value will be 1¢ per point for flights and 0.7¢ per point for the other options. 2. Amex The Hotel Collection: Here you can redeem American Express Membership Rewards points for upscale and luxury hotels at a rate of 0.7¢ per point. You’ll need to have the American Express Platinum Card or the American Express Gold Card to access this special portal. It requires booking 2 consecutive nights, though you’ll receive a $100 property credit and a room upgrade if available. Plus, you can use your Amex Platinum Card's $200 Hotel Credit to cover all or part of your stay! 3. Amex Fine Hotels and Resorts: Redeeming your Amex points through this option gives you special VIP / elite-like perks at 5-star hotels around the world. Amex FHR benefits may include a room upgrade when available, daily breakfast for 2, guaranteed 4 PM late checkout, 12 noon check in when available, complimentary wi-fi, and an experience credit to use at the spa or on food and beverages. Additional benefits may include a 3rd or 4th night free. Only 1 night is required for this. Plus, you can use your Amex Platinum Card’s $200 Hotel Credit to cover all or part of your stay! Your point value will be 1 point = 1¢. 4. Amex Transfer Partners: With this feature, you’re literally transferring your Amex Membership Rewards points into another a different airline or hotel program (i.e. in the end, you’ll end up with airline miles or hotel points, not Amex points). This is the BEST way to redeem Amex points for MAXIMUM value, but it requires strategy to make it work. 🎬 Beginner’s Guide to Credit Card Transfer Partners for BIG VALUE: https://youtu.be/ae1WayyrwnE 5. Upgrades: Use your Amex points towards a flight upgrade with select partner airlines. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amex #creditcards 2023-01-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343250/apple-card-review-worth-it-in-2024-revealed https://gamma.videonest.org/343250_thumbnail_resized_v2.webp https://gamma.videonest.org/343250_video_v3.mp4 Apple Card Review - Worth It In 2024? (REVEALED) 🤑 Get up to 15 Free Stocks from moomoo: https://markscreditcards.com/moomoo 💳 Is the Apple Card worth it? Here’s my in-depth review to help you decide whether to apply! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 💥🏢BILT CREDIT CARD https://markscreditcards.com/bilt 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese Since its initial release, the Apple Card has gotten a lot of attention. Although there is not an Apple Card signup bonus at the moment, you may see limited-time offers come & go to earn Daily Cash with select partners (and sometimes straight Daily Cash, usually via Credit Karma or referral links). That said, the Apple Card is decent for ongoing cash back rewards. It earns 3% cash back at Apple, 3% at select partner retailers when you pay with Apple Pay, 2% on other purchases when you pay with Apple Pay, and 1% back on all other purchases. It’s a good cash back credit card with no annual fee, though likely not for an all-around card. In the areas where it earns 2% cash back or better, it’s a good choice. But for nearly everything else, there are other cash back credit cards out there that can do better (for example, the Citi Custom Cash Card and the Citi Double Cash Card are excellent ones to look into, as well as the Wells Fargo Active Cash and even the PayPal credit card). Furthermore, even higher rewards can be realized with travel credit cards, even ones that work well for travel or cash back like the Chase Freedom Flex or Chase Freedom Unlimited). The card is light on benefits, too. You can finance Apple purchases when you pay with the Apple Card and choose Apple Card Monthly Installments at checkout. You’ll still be awarded the 3% Daily Cash up front! Perhaps the best overall feature of the card is its ease of use and transparency. You can manage everything from the Wallet app on iPhone, and the card makes it really easy to identify how much interest you’d pay if you are not able to pay off the full credit card balance (definitely strive to make full payments your goal to avoid interest, though). There’s also a newer feature called Apple Card Family, allowing you to create a Family Sharing group to share the card and help others build credit. This feature alone makes the Apple Card one of the best credit cards for beginners. However, if you plan to apply directly rather than being added as an authorized user, it may be difficult to get as your first credit card. So, consider it as your second or third card while you’re in the earlier stages of building your credit score. 👉 Apple Card Benefits (Mastercard): https://www.mastercard.com/apple-card-mastercard-benefits.html 👨‍👩‍👧‍👦 Apple Card Family: 1. https://www.apple.com/newsroom/2021/04/apple-introduces-apple-card-family-enabling-people-to-share-apple-card-and-build-credit-together/ 2. https://support.apple.com/en-ca/HT212020 📊 Apple Card Credit Score Requirement: https://support.apple.com/en-us/HT209218 Is the Apple Card Worth It? YES if you… - Want to earn cash back rewards. - Use Apple Pay regularly. - Want no annual fee. - Desire convenience & ease of use. - Need to finance an Apple purchase. - Want a card with no FTFs. - Are in the earlier stages of building credit. NO if you… - Want to earn rewards for travel. - Don’t use Apple Pay frequently. - Plan to use the physical card. - Want insurance & protections. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #applecard #creditcards #moomootrading 2023-01-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343251/watch-me-apply-bilt-credit-card-bilt-mastercard-application https://gamma.videonest.org/343251_thumbnail_resized_v2.webp https://gamma.videonest.org/343251_video_v3.mp4 *WATCH ME APPLY* Bilt Credit Card (Bilt Mastercard Application) Watch me apply for the Bilt World Elite Mastercard! I’ll walk you through the application, show you my credit score, and more. Did I get approved? Watch to find out! Click “Show More” to see Ad Disclosure. 💥👇 GET THE BILT MASTERCARD! http://markscreditcards.com/bilt Use the card 5 times each statement period to earn points. Terms Apply: https://www.wellsfargo.com/credit-cards/bilt/terms/ 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura The Bilt Mastercard is a VERY unique credit card. It allows you to pay rent without the typical transaction fees while earning awards along the way (plus, even if your property only accepts checks, you can still pay with the credit card via the Bilt app; they’ll send a paper check on your behalf)! Although it does not have a signup bonus right now, it’s power is to earn points long term that you can redeem in a lot of ways, including travel! REGULAR REWARDS STRUCTURE 3X Dining* 2X Travel* 1X Rent Payments* 1X Other Purchases* *Requires you to use your Bilt Credit Card at least 5 times each statement period to earn points. However, on the 1st of each month, you can earn at an even greater rate… - 6X Dining - 4X Travel - 2X Other Purchases - 1X Rent There are also a handful of other benefits. I plan to do a Bilt Credit Card Review video in the future to go over all the details! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bilt #creditcardapply 2023-01-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343252/amex-caught-red-handed-is-your-closed-account-still-open https://gamma.videonest.org/343252_thumbnail_resized_v2.webp https://gamma.videonest.org/343252_video_v3.mp4 AMEX Caught RED HANDED!! Is Your Closed Account Still Open?! Have you ever closed an Amex credit card? Are you sure it’s really “closed?” You may be surprised that merchants could charge your Amex card anyway! Learn how to prevent this… Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔗 MILES TO MEMORIES - The Curious Case Of My Disappearing Hotel Bill, Anyone Ever Had This Happen? https://milestomemories.com/my-disappearing-hotel-bill/ 🔗 MILES TO MEMORIES - It Appears An Amex Card Is Never Really Closed, Which Is Kind Of Scary https://milestomemories.com/charge-on-my-closed-amex-card/ 🎬 SIMON KATZ - The Reason American Express Suspended My Centurion Black Card and Amex Platinum Credit Card https://youtu.be/Mi7xPcjDWDQ If you have the Amex Platinum Card, Amex Gold Card, Amex Blue Cash Everyday Card, or any other Amex credit card that has been closed, you might be surprised that it could be still open…to some extent. While data points are still scarce, it seems that if you have an Amex credit card on file with a merchant, they might still be able to charge it even if you previously closed the account. This could have big implications if not dealt with properly. Here are some of the red flags I see… 1. NO REWARDS get earned. Amex Membership Rewards points? Hilton Honors points? Marriott Bonvoy points? If a merchant charges your closed Amex card account for something, you will not earn any rewards. While not the end of the world, that’s definitely far from great. 2. PAPER STATEMENTS. If a closed credit card has a balance on it, it appears that American Express will only communicate that to you via paper statements. This makes you question things like mail getting lost, accidentally throwing the statement in the trash thinking it was something else (like a credit card balance transfer offer), going out of town for an extended period of time, or even having moved to a new address and not getting the mail forwarded. 3. LATE FEES. If don’t submit a credit card payment by the due date, you could be charged late fees by the bank. However, if you’re not aware of a balance due, that’s a problem. 4. ACCOUNT GOES INTO COLLECTIONS. If you have an outstanding credit card balance on a ‘closed’ account that you’re unaware of, that account could become delinquent and go into collections. From there, a negative mark on your credit report could appear, and that could affect your credit score for 7 years! 5. SECURITY. Although credit cards do come with $0 fraud liability insurance, I still think about what could happen if someone were able to use a closed Amex card account. Could they somehow use it to access an active account, and then get additional info about the cardholder? RECOMMENDATIONS… 1. Review your prior 30-day transaction history for any monthly recurring charges before closing the Amex card in question. Move them to a different card. 2. Review your prior statements for quarterly, semi-annually, or annually recurring charges before closing the Amex card in question. Move them to a different card. 3. Review account profiles that might have the Amex card on file (hotels, airlines, online retail, etc.) and remove it. 4. Make sure Amex always has your current address. 5. Close your Amex card. 6. Consider leaving closed Amex card connected to your login. 7. Always get receipts for purchases (incl. folio statements at hotels). Check which card was used. 8. After closing the card, call Amex and request that ALL new charges be declined. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2023-01-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343253/1-credit-card-for-every-category-2023-best-credit-cards-2023 https://gamma.videonest.org/343253_thumbnail_resized_v2.webp https://gamma.videonest.org/343253_video_v3.mp4 #1 Credit Card for EVERY Category 2023 (Best Credit Cards 2023) It’s time for the BEST credit cards of 2023! I’ve hand-picked my #1 choices for the Top 7 Major Spend Categories. Learn which credit cards I chose and why I chose them to help you with your own credit card strategy in 2023! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese Best Travel Credit Card: I chose the Chase Sapphire Reserve because it has very strong rewards categories (at least 3X points = 4.5% return) that cover ALL travel (flights, hotels, rental cars, cruises, parking, tolls, and more!). It also earns Chase Ultimate Rewards points, meaning it participates in the best overall credit card rewards program available right now. It’s an extremely well-rounded card product that adds additional benefits like lounge access via Priority Pass, travel and purchase protections, high value redemptions (it can also make points earned from the Chase Freedom Flex and Chase Freedom Unlimited worth more, too), and the list goes on from there! Best Credit Card for Lounge Access: This one was an easy win for the American Express Platinum Card. It offers the most comprehensive airport lounge access program of any credit card for which you can apply directly right now. It gets you into the Amex Centurion Lounge, Delta SkyClub, Priority Pass Lounges, Escape Lounges, Airspace Lounges, Plaza Premium Lounges, Lufthansa Lounges, and others. It also earns Amex Membership Rewards points, one of the best currencies for travel redemptions! Note: you can also combine your points with other Amex credit cards like the Amex Gold Card and the Amex Green Card. Best Credit Card for Dining: The U.S. Bank Altitude Go card earns 4X on dining (equal to 4% cash back). That alone is incredible, and it’s also one of the best credit cards with no annual fee (which means nothing to cut into the cashback you earn)! In terms of redemption value for cash back and select travel, the 4X points on this card are more valuable than the ones earned on the Amex Gold Card! Best Credit Card for Groceries: This category goes to the Citi Custom Cash Card. It earns 5X Citi ThankYou points (worth 5% cash back) in your Top Eligible Spend Category each billing cycle, and grocery stores is one of the eligible options (of 10 total). It also has no annual fee. You can also combine points with the likes of the Citi Premier Card and the Citi Double Cash credit card to make for a really powerful setup! Yes, the Amex Gold Card and the Amex Blue Cash Preferred Cards are also excellent, but based on how much you spend per month on groceries (and what your redemption preferences are like & your ability to use credits with some partner merchants), those may not be the best choices. So, run the numbers. Best Credit Card for Gas: This again goes to the Citi Custom Cash card. Best Credit Card for Online Shopping: The winner this time is the Amex Blue Cash Everyday Card, which now earns 3% cash back on U.S. Online Retail Purchases, up to $6K spent per year (then 1%). It has a $0 annual fee and comes with a couple credits to use towards The Disney Bundle and Home Chef, too! Best Credit Card for Everything Else (Best Catch All Credit Card): The Citi Double Cash card takes the trophy. It awards you 2% cash back on all purchases (1% when you buy, 1% when you pay for those purchases) without categories to keep track of, activations or enrollments, minimum redemption requirements, or minimum redemption increments. It also has no annual fee. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #americanexpress 2023-01-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343254/my-full-credit-card-strategy-2023-exposed https://gamma.videonest.org/343254_thumbnail_resized_v2.webp https://gamma.videonest.org/343254_video_v3.mp4 My FULL Credit Card Strategy 2023 (Exposed) It’s time to revamp my credit card strategy for 2023! Take a look at my favorite credit cards to use and which ones I want to get for more free travel, cash back rewards, and more! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗CHASE REFER A FRIEND - Get your own referral link! https://www.chase.com/referafriend/catch-all At the beginning of a new year, it’s a good idea to take an inventory of the credit cards you already have, which ones you want, and why you want them (i.e. what goals do you want to achieve?). For me, my 2023 credit card strategy has 4 parts: CHASE credit cards, CORE credit cards, SUPPLEMENTARY credit cards, and NEW credit cards. The overall focus will be primarily on cash back credit cards and secondarily on travel credit cards. For CHASE credit cards, I’ll be using the Chase Freedom Flex as often as I can. That’s because the Chase Freedom calendar allows you to earn 5% cash back (issued as Chase Ultimate Rewards points) in useful, everyday categories that change every 3 months. Since you can earn at the 5% rate on up to $1,500 in spend per quarter, that’s 7,500 Ultimate Rewards points alone! There’s also the Shop through Chase portal and Chase Refer a Friend program to earn even more. For CORE credit cards, I’ll be using my American Express cards (Amex Platinum for Schwab, Amex Gold, Amex Green, Amex Blue Business Plus) as my main 4, plus some additional cash back credit cards with no annual fee. Since I redeem my Amex Membership Rewards points for cash back into my Schwab brokerage account, it makes for a great cash back setup. For SUPPLEMENTARY credit cards, these are the ones I use for more isolated situations. I use airline credit cards (currently just the CitiBusiness AAdvantage Platinum Select) for perks / benefits, but not for spend; hotel credit cards for the same reason, but also for spending directly at hotels; and miscellaneous cards for select airport lounge access, individual retailers (e.g. using my U.S. Bank Altitude Reserve card for Costco and Target), and for other reasons like when I want 1 credit card for everything. For NEW credit cards, there are currently 8 on my radar, one of which is the BILT credit card. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #americanexpress 2023-01-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343255/whats-in-my-wallet-q1-2023-or-credit-card-strategy-2023 https://gamma.videonest.org/343255_thumbnail_resized_v2.webp https://gamma.videonest.org/343255_video_v3.mp4 WHAT’S IN MY WALLET Q1 2023 | Credit Card Strategy 2023 Take a look inside my wallet to see which credit cards I’m using for Q1 2023! This time around I’ve rotated in a cash back credit card and hotel credit card that I haven’t used in a while. Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese For Q1 2023, I’m focusing my credit card rewards across 6 credit cards with a focus on cash back rewards: 1. Chase Freedom Flex Card: I’m using this cash back credit card to earn 3% - 5% in THREE categories: grocery stores (5%), Target (5%), and Dining at restaurants (3%). The Chase Freedom calendar also includes 5% on Fitness Clubs & Gym Memberships, but I’ll be using my Amex Platinum Card for that (see why below) as well as the U.S. Bank Cash Plus card (5% year round). Note: The Chase Freedom Flex issues cash back in the form of Chase Ultimate Rewards points. 2. Amex Blue Business Plus Card: I’m using this Amex business credit card at my catch-all credit card (i.e. for all my non-bonus / non-category spend that would normally earn 1X - 1.5X on other credit cards) because it earns 2X on all purchases, up to $50K spend per year. I’m also adding recurring expenses to it so all my auto-bill charges will be on ONE credit card. 3. Marriott Bonvoy Brilliant Card: I’m using this Amex credit card for the $25/mo. dining credit (up to $300/yr.), which is a new benefit that replaced the old $300 Marriott Bonvoy credit. This hotel credit card provides me with massive value as it allows me to maintain Marriott Bonvoy Platinum Elite Status, offers 25 Elite Night Credits, issues a Marriott Free Night certificate worth up to 85,000 points, and more! 4. Wyndham Rewards Earner Business Card: This is going to be my best credit card for gas purchases this quarter. It earns 8X at gas stations, and if you value Wyndham points around 1¢ each, then that’s an 8% return on gas spend! This hotel credit card also issues 15,000 points each account anniversary, provides automatic Wyndham Diamond status, and more. 5. American Express Platinum Card for Schwab (Amex Schwab Platinum Card): This is my best credit card for lounge access, and I’ve been using it at Oakland airport at the Escape Lounge there. I’m also an Equinox member, so now that the Amex Platinum $300 Equinox credit has been expanded to include ALL membership types (I have a single-club membership) and is also issued annually instead of $25/mo., I’m going to give it a try this year! Note: I also use this card to redeem Amex Membership Rewards points for cash back into my Schwab account at 1.1¢ per point. This is THE Amex card that makes an Amex Trifecta setup worth it for cash back. All the Amex points earned across other cards (the regular Amex Platinum Card, the Amex Gold Card, the Amex Green Card and others that earn Amex Membership Rewards points) can ALL be redeemed via the Schwab Platinum Card at the elevated rate. 6. Amazon Prime Rewards Visa Signature Card: This card doesn’t get carried around, rather, I’ll be leaving it as my default payment method in my Amazon account to earn 5% back. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #whatsinmywallet #bestcreditcards #americanexpress 2023-01-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343256/the-12-credit-cards-i-got-in-2022 https://gamma.videonest.org/343256_thumbnail_resized_v2.webp https://gamma.videonest.org/343256_video_v3.mp4 The 12 Credit Cards I Got in 2022 I applied & got approved for 12 credit cards this year and it’s time to review where I started and where I ended up! Learn about the travel credit cards and cash back credit cards I added to my wallet (and why I got them). Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese It’s been a busy 12 months (much more so than I thought)! Here are the 12 credit cards I got approved for this year… In January, I didn’t apply for any credit cards. In February, I got the Hilton Honors Business Card from American Express. It had a welcome offer of 130,000 Hilton points and a free night certificate, and I also met the $15K spend requirement to earn a 2nd free night! In March, I added the Chase Ink Business Preferred card (100K Chase Ultimate Rewards points for the welcome offer) and the Amex Business Gold Card (90K Amex Membership Rewards points). In April, I went for the Chase Sapphire Preferred 80K bonus. Although I had this credit card before, I made sure I was under the Chase 5/24 Rule as well as the Chase 48 Month Rule, so it worked out perfectly. In May, I didn’t apply for any credit cards. In June, I applied for the AAdvantage Aviator World Elite Business Mastercard with an 80K mile bonus. The signup bonus spend requirement was quite easy to meet at just $2K in the first 90 days. In July, I added 2 hotel credit cards: the IHG Rewards Premier Card and the IHG Rewards Premier Business Card. Each one had a signup bonus of 140K points, and the personal version also came with a free night certificate worth up to an additional 40K points. I like that each of these credit cards provide an annual free night certificate, too, making each one a keeper card for the foreseeable future. In August, I saw the Citi Premier Card had a limited-time offer to earn 80K points, so I got it as that was worth $800 cash back or $800+ towards travel redemptions. In September, I didn’t apply for any credit cards. In October, I submitted an application for the Amex Blue Cash Everyday card. It’s 3% cash back category on U.S. Online Retail Purchases (up to $6K/yr.) is really fantastic. In November, I added the Capital One SavorOne card as it has a TON of 3% cash back categories, PLUS some higher categories (5%+) in really useful, everyday areas. Like the Citi Premier Card, it’s a fantastic ‘do-it-all’ credit card that can take the place of having multiple credit cards. In December, I ended the year with the Bank of American Premium Rewards credit card and my 2nd Amex Blue Business Plus card (this time applying with my EIN as an LLC). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #americanexpress 2022-12-31T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343257/watch-me-apply-amex-blue-business-plus-amex-business-card-application https://gamma.videonest.org/343257_thumbnail_resized_v2.webp https://gamma.videonest.org/343257_video_v3.mp4 *WATCH ME APPLY* Amex Blue Business Plus (Amex Business Card Application) Watch me apply for the American Express Blue Business Plus Card, an AWESOME business credit card for sole proprietorships, LLCs, and new businesses. However, the odds of approval are against me (learn why). Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese The American Express Blue Business Plus Card is one of the best business credit cards for new small businesses for a number of reasons. First, it has a $0 annual fee, so it won’t cost you anything to keep it open year after year, and that makes it a great long-term keeper card to build credit history. Second, it earns 2X Amex Membership Rewards points on ALL purchases, up to $50,000 of spend per year (then 1X). Most credit cards earn 1X - 1.5X points outside of any other specific bonus categories, so to have 2X as the base earning rate is fantastic. Think of it like a 2% cash back card, but that 2% return is only realized for certain types of travel redemptions instead of cash (note: if you’re looking for a business credit card that earns cash back, check out the Amex Blue Business Cash Card instead). Third, it’s a really straightforward credit card. You don’t have to worry about rewards categories that rotate, earn at different rates, require activation, etc. If you like simplicity, this card delivers. Fourth, the Amex Blue Business Plus is eligible for Amex Offers. These are card-linked offers (i.e. digital coupons) that you can add to your card to earn extra rewards (e.g. more points, discounts, statement credits) at select merchants. For example, you may see offers like: earn 15% back on purchases at FedEx Office up to a certain cap, $5 off at select gas stations when you spend $30 or more, a $60 statement credit at Marriott hotels after spending $300, etc. Many of these offers can be quite useful and can add up to hundreds (or thousands) of additional savings per year. Fifth, the points you earn from this card (Amex Membership Rewards points, or MR points for short) can be combined with the points earned from other Amex credit cards, provided they too earn the same MR points. This means if you also have the Amex Platinum Card, the Amex Gold Card, the Amex Green Card, the Amex Everyday Card, etc., all the points earned across all these cards can be pooled together into 1 point balance (and this includes both personal and business credit cards). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #amex 2022-12-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343258/how-to-open-an-amex-business-checking-account-watch-me-apply https://gamma.videonest.org/343258_thumbnail_resized_v2.webp https://gamma.videonest.org/343258_video_v3.mp4 How to Open an Amex Business Checking Account (WATCH ME APPLY!) The Amex Business Checking Account has NO monthly fees, NO minimum balance requirement, and comes with a welcome BONUS! Watch me fill out the application and give you a tour! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese Although best known for their credit cards and charge cards, Amex did a great job entering the business banking product space. The American Express Business Checking account is an EXCELLENT digital product that currently offers the following benefits: - Limited Time Offer: Earn 60,000 Amex Membership Rewards points after qualifying activities (apply before 1.03.2022) - 1.3% APY on balances up to $500,000 - No minimum balance requirement - No monthly maintenance fees - 24/7 support In today’s world, it’s rather hard to find checking accounts that (a) don’t charge you a bunch of fees - or require you to do certain activities to waive them - and (b) don’t have minimum balance requirements - whereby if you don’t meet them, you’ll be charged even more fees. ❓QUESTION: What do I need to open an Amex business checking account? 👉 ANSWER: In order to open American Express Business Checking, you will need: - Your Employee Identification Number (EIN) or Taxpayer Identification Number (TIN) - Your Articles of Organization or a Certificate of Formation (Amex lists this as a requirement, although I did not have to provide it during the application process. Good to have it nonetheless in case they do ask) - Information from a Driver’s License, State I.D., or Passport for each owner - A Social Security Number (SSN) and ID verification for any Beneficial Owner with ownership of 25% or more - A “Doing Business As” (DBA) certificate only if your business operates under more than one name - A U.S. business address - Information about your industry, size, and the purpose of your account 🔗 Learn more at this link: https://www.americanexpress.com/en-us/business/checking/ 💵 REDEEMING AMEX POINTS You can redeem Membership Rewards points for deposits into your Amex Business Checking Account at a rate of 1,000 points for an $8.00 deposit (i.e. 0.8¢ per point, this is the standard rate). This holds true if you have cards like the Amex Green Card, Amex Gold Card, Amex Business Gold Card, Amex Platinum Card (personal version), etc. HOWEVER…if you have an Amex Business Platinum Card plus an American Express Business Checking Account linked to the same Membership Rewards Account, you can then redeem your Membership Rewards points for a deposit at a rate of 1,000 points for $10.00 (i.e. 1.0¢ per point) for up to 1,000,000 points per calendar year. Beyond that, you can still redeem Amex points for deposits but only at the standard rate of 0.8¢ per point. 🔗 Learn more at this link: https://www.americanexpress.com/content/dam/amex/us/rewards/membership-rewards/mr-terms-conditions-06.2022.pdf?tier=LF&mrk=&stoken= Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amex #smallbusiness 2022-12-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343259/10-credit-card-lies-you-need-to-stop-believing https://gamma.videonest.org/343259_thumbnail_resized_v2.webp https://gamma.videonest.org/343259_video_v3.mp4 10 Credit Card LIES You Need to Stop Believing Do you believe any of these 10 credit card myths? Learn WHAT they are and WHY they’re false. That way you can use credit cards the right way, avoid debt, and improve your financial health! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬VIDEO - CREDIT CARDS 101: When To Pay Credit Card Bill To Increase Credit Score https://youtu.be/BtIwGldr9rY 🎬VIDEO - CREDIT CARDS 101: How To Use Credit Cards To Build Credit https://youtu.be/nMJwmeWptVQ 🎬VIDEO - CREDIT CARDS 101: How Often To Apply For Credit Cards https://youtu.be/2p7egp0iz9M 🎬VIDEO - CREDIT CARDS 101: How Many Credit Cards Should I Have? https://youtu.be/aM77beAGgzI 🎬VIDEO - CREDIT CARDS 101: Does closing a credit card hurt your credit score? https://youtu.be/UcWqixdQk30 🎬VIDEO ¬- CREDIT CARDS 101: Credit Card Statement Explained https://youtu.be/673wTGi78ts 🎬VIDEO - I Canceled 5 Amex Cards (Fully Explained) https://youtu.be/np-dE6jEois Let’s talk about credit card myths / lies. There’s a ton of misinformation floating around about the right ways AND wrong ways to use credit cards (plus some other tactics that are unnecessary). When it comes to being financially responsible and managing your money properly, credit cards usually play an important role in that. So, it’s crucial to learn the right way to use credit cards and ignore the information that doesn’t help you succeed. Throughout the video, we’ll discuss topics about debt, credit card minimum payments, credit card billing cycles, when to pay your credit card bill, opening credit cards, closing credit cards, and much more! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcard #financialeducation 2022-12-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343260/how-to-open-a-chase-business-checking-account-watch-me-apply https://gamma.videonest.org/343260_thumbnail_resized_v2.webp https://gamma.videonest.org/343260_video_v3_converted.mp4 How to Open a Chase Business Checking Account (WATCH ME APPLY!) Wondering how to open a Chase Business Checking account? Watch me do it step by step so you know what to expect (PLUS a plot twist that I didn’t expect) :D Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese Chase currently offers 3 different types of business checking accounts: - Chase Business Complete Banking ($15 or $0 monthly service fee) - Chase Performance Business Checking ($30 or $0 monthly service fee) - Chase Platinum Business Checking ($95 or $0 monthly service fee) Each one has different requirements to waive the monthly service fees (usually involving maintaining a certain level of average daily balance). I’ll be applying for the Chase Business Complete Banking account, which is a good entry-level checking account and I can waive that service fee simply by maintaining at least $2,000 as my average daily balance. Up to this point, all checking accounts and savings accounts with Chase, plus my Chase credit cards, have either been on the personal side or on the business side as a sole proprietor. Now that I formed an LLC, the goal is to open a business checking account for that new business entity. Watch me apply and learn the steps along the way! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #finance #smallbusiness #businessowner 2022-12-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343261/my-29-amex-credit-cards-full-journey-explained https://gamma.videonest.org/343261_thumbnail_resized_v2.webp https://gamma.videonest.org/343261_video_v3.mp4 My 29 Amex Credit Cards (Full Journey Explained) Over the past 9 years, I’ve applied for a lot of American Express cards. Here’s my full journey from 0 to 29 credit cards, why I got them, and more fun details along the way. Enjoy! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬VIDEO - I Canceled 5 Amex Cards (Fully Explained): https://youtu.be/np-dE6jEois MY AMEX CREDIT CARD JOURNEY… - Since the beginning in 2013, I’ve opened a total of 29 Amex card accounts, of which 18 have been closed and 11 of which remain open. YEAR: 2013 - I opened 2 Amex credit cards, the Amex Blue Sky Card and the Amex Blue Cash Everyday card. I actually got these about 3 days apart since the initial credit limit I was given on the Blue Sky Card was tiny (only $1,000) … so, I applied for another :D YEAR: 2015 - I opened the Hilton Honors American Express card and the Starwood Preferred Guest credit card. I was traveling a lot at the time, so getting a couple hotel credit cards made a lot of sense. I also canceled the Amex Blue Sky card as it was no longer serving any purpose for me. YEAR: 2016 - I opened 6 Amex cards: The Hilton Honors Surpass card for the welcome offer and elevated rewards categories, the Amex Premier Rewards Gold Card to earn more flexible Membership Rewards points, another Hilton Amex card with no annual fee, the Amex Platinum Card which only had a $450 annual fee at the time, the Amex EveryDay Card for the 0% APR offer, and the Delta SkyMiles Platinum Card which had a $195 annual fee at the time. I also canceled 2 credit cards later in the year: the SPG card and the Hilton Honors Surpass. YEAR: 2017 - I added 3 new Amex cards: the Starwood Preferred Guest Business card, the Amex Business Platinum Card, and the Amex Business Gold card. YEAR: 2018 - This time I added the Schwab Platinum Card in order to redeem Amex Membership Rewards points at a rate of 1.25¢ each for cash back (now 1.10¢), the SPG Luxury Card for a limited-time opportunity, the Amex Blue Business Plus card to earn 2X Membership Rewards points on all purchases, and the Amex Green Card (back then it only earned 1X points on all purchases, so a lot less compelling that today’s version!). I also canceled 6 card accounts. YEAR: 2019 - I applied for the Hilton Honors Aspire Card directly AND upgraded a previously opened Hilton Honors card ($0 annual fee) to a second Hilton Honors Aspire Card. That provided me with 2 opportunities to earn 15,000 Hilton Honors points, a couple Hilton Honors free night rewards, $1,000 in credits, and more! I also opened the Amex Business Green Rewards Card, the personal version of the Amex Gold Card, and the Amex Platinum Card. I closed the Amex EveryDay Card. YEAR: 2020 - I opened 1 Amex credit card (the Amex Blue Business Cash) and 1 Amex charge card (the Amex Business Gold Card). I also closed both of my Hilton Honors Aspire accounts, one of which was downgraded to the Hilton Honors American Express Card with no annual fee a bit earlier to determine if I wanted to keep at least 1 Hilton credit card open. YEAR: 2021 - I added 3 Amex Business cards (2 Platinum, 1 Gold, both under Amex No Lifetime Language Offers). I proceeded to close out my Amex Business Green Rewards Card. YEAR: 2022 - I opened the Hilton Honors Business credit card, another Amex Business Gold Card, and the Amex Blue Cash Everyday Card. 5 Amex accounts got closed, which I discussed in a separate video. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2022-12-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343262/watch-me-apply-bank-of-america-premium-rewards-credit-card https://gamma.videonest.org/343262_thumbnail_resized_v2.webp https://gamma.videonest.org/343262_video_v3.mp4 *WATCH ME APPLY* Bank of America Premium Rewards Credit Card I decided to apply for the Bank of America Premium Rewards credit card! The current welcome offer of 50,000 points is worth $500 cash back, great timing for some holiday shopping! Did I get approved? Watch to find out! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO - 8 Reasons Why I DON’T LIKE Bank of America Credit Cards: https://youtu.be/akdtsCzX28c 🎬 VIDEO - Bank of America PREMIUM REWARDS Credit Card Review! (PLUS Bank of America Preferred Rewards!): https://youtu.be/YIobZ4be_HI Many of you may have seen my previous video about the 8 reasons why I don’t like Bank of America credit cards. Well, that sentiment still holds true as of December 2022, however, I decided to apply for the Bank of America Premium Rewards card credit card anyway :D Here’s why… 1. The current welcome offer to earn 50,000 points is worth $500 towards travel or cash back. With an annual fee of $95, that bonus alone will be $405 profit. Since we’re getting toward the end of the year and holiday shopping time, I wanted the welcome bonus to help cover the cost of buying gifts rather than using earned income. 2. I wanted to get first-hand experience using personal Bank of America credit cards that earn points. People often ask me questions about BOA credit cards that are difficult to answer without having the cards myself (e.g. “Can I redeem Bank of America points for cash back into an external checking account?”). Getting my first ever personal BOA credit card will allow me to better understand how the product and rewards work so I can answer people’s questions. That said, if you’re in the Bank of America Preferred Rewards program (separate from credit cards and requiring account balances to be met), then you’ll receive a handful of benefits, including elevated rewards earnings with Bank of America credit cards. Those elevated rates CAN make BOA credit cards quite good, especially for cash back. On the travel side, the program also makes some cards more competitive to the Capital One Venture card and Chase Sapphire Preferred card, but without transfer partners. You can learn more about the Bank of America Preferred Rewards program here: https://promotions.bankofamerica.com/preferredrewards/en CREDIT SCORE INFORMATION BEFORE APPLYING My Credit Scores Prior to Applying - Experian: 771 | TransUnion: 804 | Equifax: 820 My Inquiries Prior to Applying - Experian: 10 | TransUnion: 6 | Equifax: 2 My New Accounts Prior to Applying - 6 months: 4 | 12 months: 6 | 24 months: 7 My Average Age of Accounts (Average Length of Credit History) - 4 years 5 months My Relationship With Bank of America - Personal Bank of America Checking Account: 1 - Personal Bank of America Savings Account: 1 - Bank of America Business Credit Cards: 1 CREDIT SCORE INFORMATION AFTER APPLYING My Credit Scores After Applying - Bank of America pulled my Experian credit report - My Experian credit score dropped by 5 points (from 771 to 766) - My Experian inquiry count went up by 1 (from 10 to 11) - All other credit factors remained the same Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bankofamerica #creditcardapply 2022-12-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343263/i-canceled-5-amex-cards-fully-explained https://gamma.videonest.org/343263_thumbnail_resized_v2.webp https://gamma.videonest.org/343263_video_v3.mp4 I Canceled 5 Amex Cards (Fully Explained) My Amex credit card strategy is in need of some clean up. I canceled 5 cards this year for a variety of reasons. Learn why and how it fits into my broader credit card strategy of keeping things simple. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese American Express makes some of the best credit cards on the market. Whether you choose their cash back credit cards or travel credit cards, there’s likely a product that will fit your wants and needs. However, many of their cards carry high annual fees, some of which offer credits to earn back some of those fees throughout the year. Even still, you’ll want to make sure you’re getting enough value from the cards you have each year in order to win. As someone who has a variety of Amex credit cards, it was time to do some cleaning up. Here are the 5 cards I canceled: 1. Amex Blue Business Cash: I originally applied for this card for the $500 welcome offer, 2% cash back on up to $50K spend per year, and the $0 annual fee. I canceled the card because I preferred to earn 2X Amex Membership Rewards points, I didn’t like how it automatically redeemed my cash back every month, and I wanted to free up room to add another Amex card in the future. 2. Amex Business Gold Card #1: I got this card for 2 main reasons, (a) for the welcome offer and (b) to earn 4X Amex Membership Rewards points on U.S. advertising spend. At the time, I was spending around $2K+ per month on advertising for another company, so it was a great way to earn points on that spend. However, now that I’m no longer working with that company and I don’t currently have ad spend of my own, I was unable to justify the $295 annual fee. So, I closed the account. 3. Amex Business Gold Card #2: I applied for this card for the welcome offer in Year 1 as it was an Amex No Lifetime Language offer. Similar to the first one I got, I was not able to make sense of the $295 annual fee going forward, so I closed it. 4. Amex Business Platinum Card: My reason for getting this card was for the 150K offer and several credits I could use throughout the year (e.g. $200 Air Incidental Fee credit, $200 Dell credit). However, the annual fee increased from $595 to $695 and additional credits were added that I didn’t value, so I let this card go. 5. Amex Platinum Card (personal version): This card was actually an upgrade from the Amex Gold Card. American Express offered me 50K points after spending $3K in 3 months as part of the offer, so I took it as it covered the $550 annual fee at the time and all of the other credits / benefits (e.g. $200 Air Incidental Fee credit, $200 Uber Cash, $100 Shop Saks with Platinum) would be profit. However, the annual fee increased to $695 and new credits were added that didn’t fit in with my spending habits. For that reason, I chose to cancel the card. All that said, I’ve been with Amex since 2013 and I still have a handful of cards open with them that I find great value in. Each year, it’s a wise decision to look over the credit cards you have open across all issuers and determine whether you should keep, downgrade, or cancel each one. That said, be sure to keep all American Express cards open for at least 1 year to avoid signup bonus clawbacks and other potential penalties. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2022-11-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343264/6-most-unbelievable-credit-cards-right-now-2022 https://gamma.videonest.org/343264_thumbnail_resized_v2.webp https://gamma.videonest.org/343264_video_v3.mp4 6 Most Unbelievable Credit Cards RIGHT NOW (2022) These are the Top 6 BEST credit cards that came to mind right now, and each one gives HUGE value in Year 1 and beyond. 5 are travel credit cards and 1 is a cash back credit card (and I think you’ll be shocked how great it is)! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese BEST CREDIT CARD #1: Capital One SavorOne Card - I recently applied and got approved for this Capital One credit card. In fact, I’ve had my eye on it for a number of months because it’s one of the best long term keeper credit cards with no annual fee. It has an insane cash back rewards structure, ranging from 1% - 10%, in very useful categories. It also offers a complimentary Uber One membership, travel accident insurance, extended warranty coverage, and no foreign transaction fees. AMAZING for a no-fee cash back credit card! BEST CREDIT CARD #2: Capital One Venture X Card - Ever since its release in November 2021, it has proven to be one of the best travel credit cards ever made for people who want solid value plus simplicity. The current welcome offer will award you with $750 towards travel, and you can earn 2X miles at a minimum on all purchases (up to 10X in select categories). Add in airport lounge access via Priority Pass along with Capital One Lounges and Plaza Premium Lounges, a $300 annual travel credit, a 10,000-mile anniversary bonus, AND MORE, and you’ve got the perfect recipe for a great card. Although it has a $395 annual fee, it’s possible to offset that with a single trip. BEST CREDIT CARD #3: U.S Bank Altitude Reserve Card - This is a severely underrated credit card. The signup bonus along will award you $750 in value towards travel, but its true superpower is the ability to earn 3X points on all mobile wallet transactions! That means wherever you see the ability to use Apple Pay, Android Pay, etc., you could be earning 3X points on that purchase (worth 3% cash back or 4.5% towards travel). The second superpower is how the card makes all points worth 50% more for travel redemptions compared to cash back. The annual fee is $400, but it comes with a $325 credit that can be used towards virtually any travel purchase or dining at restaurants. BEST CREDIT CARD #4: Chase Sapphire Preferred Credit Card - This card works best as part of the Chase Trifecta (i.e. in combination with the Chase Freedom Unlimited, Chase Freedom Flex, or Chase Ink Business credit cards with no annual fee). It makes ALL Ultimate Rewards points earned across all cards worth 25% more compared to cash back. BEST CREDIT CARD #5: Citi Premier Card - This credit card is a MAJOR win right now for its signup bonus of 80K points (worth $800 towards travel, cash back, or gift cards) and SIX rewards categories that all earn 3X points! BEST CREDIT CARD #6: Hilton Honors American Express Aspire Card - For a $450 annual fee, you can receive 2 x $250 credits, another $100 credit, Hilton Honors Diamond status, a Priority Pass membership, strong rewards earnings at Hilton Hotels (14X points = ~ 7% return), an annual free night certificate, and more! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #bestcreditcards 2022-11-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343265/how-early-should-i-get-to-the-airport-10-things-to-know https://gamma.videonest.org/343265_thumbnail_resized_v2.webp https://gamma.videonest.org/343265_video_v3.mp4 How Early Should I Get to the Airport? (10 Things to Know) Ever wondered how early you should arrive at the airport before your flight? Here are 10 things to consider so you can show up with plenty of time and eliminate stress when traveling. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese Traveling is fun. Traveling the world for free (or close to it) with credit cards is also fun. And traveling as STRESS FREE as possible makes both situations THE MOST FUN. There are a lot of things that can get in the way of having a smooth airport experience. So to help you have smooth sailing, here are my general guidelines along with 10 factors to consider before your next trip. HOW EARLY SHOULD I GET TO THE AIRPORT? Generally, I’d suggest getting to the airport about 1.5 hours prior to boarding for DOMESTIC FLIGHTS. Then for INTERNATIONAL FLIGHTS, I’d bump that up to 2.5 hours prior to boarding. 10 THINGS TO CONSIDER 1. Which time of the year is your trip? Seasonality can make a big difference, so keep things like summer vacation, spring break, etc. in mind. If you’re traveling during a time when many others are too, then allow extra time. 2. Which day and time are you leaving? If you’re traveling during peak business travel hours, add extra time. 3. Out of which airport will you be departing? Usually the larger international airports will take longer to navigate from one terminal or gate to another. There will very likely be a lot more people passing through, too. 4. Are you flying domestically or internationally? For those international flights, give yourself more time. 5. Do you have carry-on luggage, or will you be checking bags? Carrying on makes things really easy. If you need to check bags, there’s a change you’ll have to wait in a line to complete the process. Add additional time if you need to check your bags. 6. Do you have any priority benefits? Here I’m referring to things like priority check-in, priority security, etc. (that is, the things that can get you through the airport queues faster). These benefits are usually obtained from an airline credit card, attaining elite status, or purchasing the benefits a la carte (if available). 7. Do you plan to enroll in an expedited ID / security / clearance program? If you plan to have your TSA PreCheck or Global Entry interview prior to your flight, be sure to factor that in. 8. Are you already enrolled in an expedited ID / security / clearance program? If yes, then you’ve got a good shot at predictably getting through security checkpoints, customs, etc. a lot faster. 9. Are you traveling with other people, and are they already enrolled in an expedited ID / security / clearance program? If they don’t have the priority benefits that you do, then you’ll need to wait for them anyway. So, be sure to arrive early enough to accommodate everyone traveling with you. 10. Do you want to eat or shop at the airport? Do you want to visit an airport lounge? Again, this will add time, too. If I plan to visit an airport lounge, I usually like to stay anywhere from 45 - 90 minutes. There are many travel credit cards that provide lounge access, and they can really enhance your airport experience. Some of these credit cards include the Amex Platinum Card, Chase Sapphire Reserve card, Capital One Venture card, and others. If you're interested in accessing airline lounges (i.e. the ones that are operated by the airlines, like the American Airlines Admirals Club, United Club, and Delta SkyClub), then usually the top-tier airline credit cards will provide you with the access you're looking for. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #travel #traveling #howtotravel 2022-11-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343266/game-over-i-just-debunked-the-capital-one-2-card-limit-watch-me-apply https://gamma.videonest.org/343266_thumbnail_resized_v2.webp https://gamma.videonest.org/343266_video_v3.mp4 GAME OVER: I Just Debunked the Capital One 2 Card Limit (Watch Me Apply) Does the “Capital One 2 Card Rule” hold true when I apply for my 3rd personal Capital One credit card (and 4th overall)? NOPE! But the outcome was different than I expected. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese For YEARS I’ve heard that Capital One has a 2 Card Limit, meaning you cannot get approved for more than 2 Capital One credit cards and have them all open at the same time. Then I heard that this rule only applied to personal Capital One credit cards and excluded co-branded cards. More recently, when I asked a Capital One representative if the 2 Card Limit was a thing, I was told no. So, which of these are true, if any? Well, perhaps some, all, or none were true at certain points in time. However, I was curious to know what the reality was as of November 2022. I already had 3 active Capital One credit cards… (2 personal credit cards, 1 business credit card): - Capital One Venture - Capital One Venture X - Capital One Spark Cash Select (1.5% cash back credit card with no annual fee) For a while now, I’ve had my eye on the Capital One SavorOne credit card. For a $0 annual fee, you earn the following rewards… - 10% Uber / Uber Eats (plus an Uber One membership) - both through 11.14.2024 - 8% Capital One Entertainment - 8% Vivid Seats purchases - 5% Hotels via Capital One Travel - 5% Rental Cars via Capital One Travel - 3% Dining - 3% Entertainment - 3% Popular Streaming Services - 3% Grocery Stores - 1% Other Purchases It also currently has a welcome bonus of $200 cash back after spending $500 in the first 3 months. That is A LOT of value, both up front in Year 1 and long term. In fact, it may be the (or one of the) best cash back credit cards ever made. So, it’s time to test the Capital One 2 Card Limit by applying for this awesome card! MORE INFO ABOUT MY CREDIT SCORE PRIOR TO APPLYING... Credit Scores: - Experian: 766 (frozen) - TransUnion: 809 - Equifax: 824 Credit Inquiries - Experian: 10 (frozen) - TransUnion: 5 (1 in the last 12 months) - Equifax: 1 (0 in the last 12 months) New Accounts (on my credit report) - Last 6 months: 3 - Last 12 months: 5 - 24 months: 6 Average Length of Credit History - 4 years 4 months Relationship With Capital One - Personal Capital One Checking Accounts - Personal Capital One Savings Account - Capital One Personal Credit Cards (2) - Capital One Business Credit Card (1) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #capitalone #cashback 2022-11-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343267/capital-one-venture-vs-venture-x-full-comparison https://gamma.videonest.org/343267_thumbnail_resized_v2.webp https://gamma.videonest.org/343267_video_v3.mp4 Capital One Venture vs. Venture X (Full Comparison) The Capital One Venture and the Capital One Venture X are 2 travel credit cards that are VERY similar, but their differences DO make a big difference! Learn who should consider these cards. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🥇 CHANNEL MEMBERSHIP! http://markscreditcards.com/join 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬VIDEO: Beginner’s Guide to Transfer Partners for BIG VALUE: https://youtu.be/ae1WayyrwnE 🎬VIDEO: Capital One Lounge Review & TOUR! https://youtu.be/0jemrbhTc_U Both of Capital One’s Venture cards are great in that they offer flexible rewards without a lot of complication. The rewards and benefits are straightforward and easy to put to use each year. However, ever since the Capital One Venture X was released in November 2021, a lot of people noted how similar it was to the older Venture Rewards card. The ‘X’ had a bigger annual fee of $395 and some extra benefits, but once you use them, the stripped down ‘X’ ended up looking quite similar to the regular Venture. That said, the smaller differences in the rewards earning rates and level of benefits (plus their access privileges) DO make a difference, so let’s compare them! In general, I’d say that the Capital One Venture Rewards card is best for people who: - Want an effortless ‘catch all’ credit card for travel. - Will book flights / hotels / cars thru the Capital One Travel portal. - Want to earn rewards without managing benefits. - Have lounge access via a different card (or don’t care about it). I’d then say that the Capital One Venture X card is best for people who: - Want a ‘catch all’ credit card for travel w/ extra benefits. - Will book flights / hotels / cars thru the Capital One Travel portal. - Want a higher point earning rate. - Want airport lounge access. - Want to share benefits with others as Authorized Users. - Capital One Lounge, Priority Pass, insurance protections, etc. - Want cell phone protection. That said, you should probably AVOID both credit cards if you… - Don’t travel much (these are travel credit cards after all). - Want to earn cash back rewards (the redemption rates for cash back are really bad, plus you have annual fees you’ll need to deal with). - Aren’t willing to pay an annual fee (there are tons of great cash back credit cards without annual fees). - Are focused on earning elite status with hotel chains and/or rental car companies (usually hotels or rental car companies will not honor elite benefits or allow you to earn elite credits when booking through portals). - Prefer to book travel directly or outside of a bank portal (better customer service, plus the ability to earn status and have it recognized for hotels and rental cars. This does not apply to airline bookings as you can still earn elite status using portals). The Capital One Venture X authorized user benefits are perhaps one of the biggest differentiators. Although we will not be covering them in detail in this overall comparison video, it could make for a good secondary video in the future. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #capitalone #travelcreditcards 2022-11-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343268/amex-trifecta-vs-chase-trifecta-which-is-best https://gamma.videonest.org/343268_thumbnail_resized_v2.webp https://gamma.videonest.org/343268_video_v3.mp4 Amex Trifecta vs Chase Trifecta (Which is BEST?) The Amex Trifecta or the Chase Trifecta? Both have some of the best travel credit cards, but using them can be quite different. Learn which credit card strategy and setup is best for YOU! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese The Amex Trifecta consists of 3 travel credit cards, and they can be whichever 3 you choose as long as they all earn Amex Membership Rewards points (that way you can combine them all). The 3 I’ve chosen to compare in this video include the Amex Platinum Card, Amex Gold Card, and the Amex Blue Business Plus card. The reason is that this includes Amex’s most premium card with the greatest amount of travel benefits, plus a good mid-tier card for everyday use on things like groceries and eating out at restaurants, and a solid catch all credit card that earns 2X points on all purchases. Of course, there’s also the Amex Green Card that you can swap in if you live spend a lot on transit (i.e. Uber, Lyft, taxis, toll roads, parking, etc.) and also the Amex Everyday card and Amex Everyday Preferred credit cards that have a unique feature that offers bonus points based on the number of transactions you make per billing cycle. Furthermore, you can also add in Amex business credit cards. The Chase Trifecta consists of 3 travel credit cards, and they can be whichever 3 you choose as long as they all earn Chase Ultimate Rewards points (this allows you to combine all of your points into 1 balance). The 3 I’ve chosen to compare in this video include the Chase Sapphire Reserve Card, Chase Freedom Flex Card, and the Chase Freedom Unlimited card. This offers a solid 3-card setup because it includes Chase’s most premium card with high point earning rates coupled with strong travel benefits. The other 2 Freedom credit cards earn rewards in other categories, as well as provide a base of 1.5X points on all purchases. If you find that the Chase Sapphire Preferred or one of the Chase Ink business cards work better for your needs, you can also substitute those in. While one credit card strategy or setup is not necessarily better than the other in all areas, they do shine bright in different areas. So, what it really comes down to is identifying where you spend the most amount of your money, what your travel habits are like, and what reward preferences you have. Then you can match your world to the right credit cards (going the other way around doesn’t make sense, that is, getting cards and trying to force them to work for you when they really don’t). Fortunately, either setup will provide you with some of the best credit cards for travel, and give you benefits like airport lounge access, access to transfer partners, strong value for your points, elite status, and more (just in different areas to different degrees). So, enjoy the video! I hope it helps you discover your next potential credit card strategy so you can save money on travel and end up with more money in your pocket! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasesapphire #amexgold #travelcreditcards 2022-11-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343269/fico-score-vs-credit-score-vs-credit-karma-why-are-my-credit-scores-so-different https://gamma.videonest.org/343269_thumbnail_resized_v2.webp https://gamma.videonest.org/343269_video_v3.mp4 FICO Score vs Credit Score vs Credit Karma (Why Are My Credit Scores So Different?) Ever wondered, “Why are my credit scores all different?!” THIS VIDEO will give you the answer (and also help you determine if Credit Karma is accurate) :D Enjoy! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese There are many reasons why your credit scores can be different. Here are a few of them! 1. There are different Credit Reporting Agencies (CRAs, aka 'credit bureaus'). These include nationwide CRAs like Experian, TransUnion, and Equifax. There are also alternative or supplementary CRAs like Innovis, LexisNexis, and others. Then there are Check & Bank Screening agencies, employment screening agencies, tenant screening agencies, and MORE! 2. There are different credit scoring models. These include the FICO Score, VantageScore, proprietary scores that certain banks may come up with, and others. 3. Different credit scoring models weight credit factors differently. That said, your payment history and credit utilization are very important. 4. Different credit scoring models may have different scales or ranges. For example, FICO scores range from 300-850 for base scores and also go from 250-900 for industry-specific scores. The VantageScore models 3.0 and higher go from 300-850 and do not have industry-specific scores. 5. There are different credit scores for different industries. There are credit scores for credit card lending, credit scores for auto lending, and credit scores for mortgage lending. 6. FICO Score models vary BY and WITHIN industries. For instance, there are a variety of models for FICO Credit Score, FICO Auto Scores, and FICO Mortgage Scores. 7. Lenders (e.g. banks) may pull from different bureaus in different regions. 8. Lenders may choose to use different FICO Score models. One bank may prefer FICO 8 while another prefers FICO 9. 9. Some lenders may only report to 1 or 2 CRAs (‘bureaus’). 10. Credit reports may get updated at different times. Here are some interesting things I noticed when checking my credit scores with different apps on November 04, 2022: Credit Karma: 809 TU | 826 EX - VantageScore 3.0 (TransUnion) - VantageScore 3.0 (Equifax) - Updated: 11/04/2022 Experian: 766 - FICO 8 (Experian) - Updated: 11/01/2022 Amex: 809 - VantageScore 3.0 (TransUnion) - Updated: 11/04/2022 Chase: 789 - VantageScore 3.0 (Experian) - Updated: 11/01/2022 Wells Fargo: 759 - FICO 9 (Experian) - Updated: 10/22/2022 Discover: 776 - FICO 8 (TransUnion) - Updated: 10/10/2022 Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditscore #ficoscore 2022-11-04T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343270/best-metal-credit-cards-2023 https://gamma.videonest.org/343270_thumbnail_resized_v2.webp https://gamma.videonest.org/343270_video_v3.mp4 Best Metal Credit Cards 2023 Metal credit cards are everywhere, but which ones are BEST? Here are my Top 9 Picks for the best metal credit cards, including 2 with no annual fee! See which ones might fit in your wallet. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese When the Amex Centurion Card came out, it made metal credit cards cool, secretive, and elite. Nowadays, you can find metal credit cards at every price point, from nearly $700 down to $0. Whether it’s a cash back credit card or a travel credit card, there are options out there that can help you achieve your financial or travel goals. Here are my Top 9 Picks for the Best Metal Credit Cards right now, ranked from the highest annual fee to the lowest: 1. Amex Platinum Card: This is among the best travel credit cards due to the amount of perks it gives you. Since it earns Amex Membership Rewards points, this includes access to Amex Transfer Partners for potential big redemption value; Airport Lounge Access to the Amex Centurion Lounge, Priority Pass Lounges, the Delta SkyClub network, and more; Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status; a $200 Hotel Credit, a $200 Uber / Uber Eats Credit, and MUCH more. 2. Marriott Bonvoy Brilliant American Express Card: This is THE CARD to have for Marriott loyalists / frequent stayers. With automatic Marriott Bonvoy Platinum Elite Status, 25 Elite Night Credits each year, and a Marriott Free Night Award with a point value up to 85K points, this hotel credit card can really elevate your stays. 3. Delta SkyMiles Reserve American Express Card: This is THE CARD for Delta frequent flyers, especially if you care about elite status. It comes with a Delta Status Boost, Delta MQD Waiver, airport lounge access to both the Amex Centurion Lounge and Delta SkyClub networks, an annual Delta companion pass up to a 1st Class seat, priority benefits, and more! 4. U.S. Bank Altitude Reserve Card: A phenomenal travel credit card for its simplicity. The best feature is perhaps the ability to earn 3X points on all mobile wallet transactions, allowing you to earn points very quickly to save money on travel. While it does not provide access to transfer partners, points are worth 1.5¢ each towards travel. 5. Capital One Venture X Card: Capital One packed high value into an easy to use credit card. You get access to Capital One Transfer Partners, a guaranteed flat-rate redemption value of 1¢ per mile that can offset virtually any travel purchase, access to the Capital One Lounge network (plus Priority Pass and Plaza Premium Lounges), a Capital One Anniversary Bonus of 10,000 miles, and more. 6. Amex Gold Card: Great metal credit card for foodies! Earn 4X at Restaurants Worldwide (plus takeout and delivery in the U.S.), plus 4X at U.S. Supermarkets (up to $25K spend per year), as well as a $120 Dining Credit and $120 Uber Cash benefit. 7. Delta SkyMiles Platinum American Express Card: Excellent mid-tier airline credit card for elevating your Delta elite status, getting discounted rates ($39) to the Delta SkyClub, and annual companion pass, and priority benefits. 8. Chase Sapphire Preferred: Awesome long-term keeper card that earns valuable Chase Ultimate Rewards points, provides access to strong transfer partners (including World of Hyatt), and makes all points worth 1.25¢ each towards travel at a minimum. 9. Amazon Prime Rewards Visa Signature Card: For a cash back credit card with no annual fee, this card is EXCELLENT for big Amazon spenders by earning 5% cash back. Also enjoy no foreign transaction fees. 10. Apple Card: As long as you use the Apple Card with Apple Pay, you’ll earn a flat 2% cash back on all purchases with no cap. For simplicity, this card rocks! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #americanexpress 2022-11-01T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343271/capital-one-lounge-review-and-tour-how-to-get-in-or-dfw https://gamma.videonest.org/343271_thumbnail_resized_v2.webp https://gamma.videonest.org/343271_video_v3.mp4 Capital One Lounge Review & TOUR! (How to Get In | DFW) The new Capital One Lounge network has opened at DFW Airport and it’s fantastic! Here’s my video tour, review, and full details about how to get in (easy if you have the Capital One Venture X card!) Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗 CAPITAL ONE LOUNGE WEBSITE: https://capitalonetravel.com/lounges 🔗 PRESS RELEASE - Capital One Lounges Now Arriving at Airports: https://www.capitalone.com/learn-grow/more-than-money/capital-one-lounges-arriving-in-airports/ Looking for one of the best credit cards for lounge access? Check out the Capital One Venture X card! In addition to Priority Pass lounges and Plaza Premium lounges, it gives you access to a brand new network: Capital One Lounges. Yes, there’s only one location right now (Capital One Lounge DFW), however, there are more on the way as the network continues to get built out (i.e. Washington Dulles International, IAD, and Denver International Airport, DEN). Here are some of the amenities you may see: - Comfortable seating - High-Speed Wi-Fi - Dining Stations / Cooked Meals - Grab & Go Food - Bar (wine, beer, cocktails) - Coffee Bar - Quiet Zones to Work - Relaxation Rooms - Luggage Lockers - Charging ports - Cycle / Yoga / Fitness Rooms - Shower Suites - Family / Parent Areas - Multi-Faith Rooms Basically, airport lounges are a great way to escape the noisy terminals in an upscale environment. While overcrowding has become an issue at a lot of lounges these days, so far the traffic at the Capital One Lounge DFW has been manageable. Hopefully it’ll stay that way over time! CAPITAL ONE LOUNGE: HOW TO GET IN 💳 Capital One Venture X | Capital OneSpark Travel Elite cardholders - Unlimited complimentary access - Guests: 2 per visit (no charge) | Additional = $45 each 💳 Capital One Venture Rewards | Capital One Spark Miles cardholders - 2 complimentary visits per calendar year, then $45/visit. - Can be used by the primary cardholder, their guests, or AUs - Guests = $45 each after the 2 passes have been used 💳 Other cardholders (Capital One credit cards or other bank cards) - Standard day pass rate = $65 per person Here are the steps to follow once you’ve gotten a Capital One Credit Card… 1. Present your eligible credit card or digital pass to front desk. 2. Present your boarding pass & guest boarding passes to front desk. All boarding passes must be for a departing or connecting, same-day flight. 3. Children under 2 may enter for free with a supervising parent or guardian. NOTE: “Lounge entry is subject to availability and access can be redeemed or purchased at the check-in desk. Advance reservations are not available at this time. We ask that all visiting the Lounge follow our Code of Conduct.” – Capital One Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #airportlounge #capitalone 2022-10-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343272/5-best-amex-gold-card-benefits-how-to-use-them https://gamma.videonest.org/343272_thumbnail_resized_v2.webp https://gamma.videonest.org/343272_video_v3.mp4 5 BEST Amex Gold Card Benefits! (How to Use Them) The American Express Gold Card has a several important benefits that you MUST learn if you want to make sense of having it. So, here are my Top 5 Benefits that many people will be able to use each year. I’ll explain what they are and how to use them! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese The Amex Gold Card is one of the best travel credit cards you can get, especially because it earns generous rewards for useful categories (including dining and groceries at U.S. supermarkets). However, the card definitely isn’t for everyone. Watch this video to learn about the 5 main Amex Gold Card benefits and how to use them. That way you’ll better understand it the card makes sense for your spending habits and lifestyle. BENEFIT #1: $120 Dining Credit | Amex Gold Dining Credit - Issued as a $10 / month statement credit. - Enrollment required. - Valid on purchases at: Grubhub including Seamless, The Cheesecake Factory, Milk Bar, Shake Shack (participating locations), Gold Belly, Wine.com BENEFIT #2: $120 Uber Cash | Amex Gold Uber Credit - Issued as a $10/mo. Uber Cash deposit. - Activation required by adding your Amex Gold Card to the Wallet section in the Uber app - Automatically added to Uber acct. each month. - Use toward Uber rides & Uber Eats deliveries. BENEFIT #3: Amex Offers - Similar to digital coupons that allow you to earn bonus rewards (points, statement credits, discounts) at participating merchants. - Activate by adding them to your Card. - Automatically triggered when spending at the participating merchant. BENEFIT #4: The Hotel Collection - Part of Amex Travel portal that gives you special perks at participating upscale / luxury hotels around the world. - $100 Experience Credit: Use towards qualifying onsite dining, spa, and resort activities. - Room Upgrade: At check-in when available. - 2 consecutive night booking required. BENEFIT #5: Insurance & Protections Car Rental Loss & Damage Insurance (Secondary) https://www.americanexpress.com/CRLDIterms Global Assist Hotline https://www.americanexpress.com/GAterms Baggage Insurance Plan http://americanexpress.com/BIPterms Trip Delay Insurance http://americanexpress.com/TDTerms Extended Warranty https://www.americanexpress.com/EWterms Purchase Protection https://www.americanexpress.com/PPterms JUSTIFICATION If you use only the 2 credits mentioned in this video, you’ll be able to earn back $240 in value. Comparing that to the annual fee of $250, that’s only a $10 out of pocket cost. 🎬 MORE CREDIT CARD VIDEOS 🔹7 BEST Amex Platinum Card Benefits! (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Chase Sapphire Preferred Review: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred: https://youtu.be/HolY8a3Jva4 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexgold #americanexpress #creditcards 2022-10-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343273/how-to-get-approved-for-chase-credit-cards-chase-application-rules https://gamma.videonest.org/343273_thumbnail_resized_v2.webp https://gamma.videonest.org/343273_video_v3.mp4 How to get APPROVED for Chase Credit Cards! (Chase Application Rules) Ready to apply for a Chase credit card? Learn the Chase application rules FIRST so you can increase your chances of getting approved! I’ll also share what I do BEFORE a Chase credit card application. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬VIDEO: Chase 5/24 Rule Explained: https://youtu.be/muJEN8C86JY There's no doubt that Chase has some of the best credit cards you can apply for, so if you want one, why not put yourself in the best position possible to get it? :D Whether your goal is to create a Chase Trifecta of your own (i.e. 3 Chase credit cards that earn Chase Ultimate Rewards points in different ways so you can combine them all) and/or to get some of the best airline credit cards or some of the best hotel credit cards, Chase has a bunch of options - and this includes some of the best credit cards for beginners in their first year of building credit (however, for your absolute first credit card, it may be better to look to other issuers who may have easier standards, esp. if you don't have a banking relationship with Chase). If you're interested in earning travel rewards and/or cash back from Chase while building your credit score along the way, this video should help you out. Let's begin! GENERAL REQUIREMENTS You must be at least 18 years old to qualify for a Chase credit card (age may vary in select regions). CHASE 5/24 RULE Chase will automatically deny a credit card application if you’ve opened 5 or more cards with any bank in the last 24 months that appear on your credit report. CHASE 2/30 RULE You may get approved for 2 Chase credit cards in a 30-day period. CHASE 1/30 RULE FOR BUSINESS CARDS (CHASE 1/30 GUIDELINE) You may get approved for 1 Chase business credit card in a 30-day period. CHASE 24 MONTH RULE | CHASE SAME CARD RULE You cannot get a Chase credit card and signup bonus if: - You currently have the same credit card open. - You had the same credit card before & got a new cardmember bonus on it within the past 24 months. CHASE 24 MONTH RULE | CHASE SAME FAMILY RULE You cannot get a Chase credit card and signup bonus if: - You currently have any card in the same brand family open. - You had any card in the same brand family before & got a new cardmember bonus on it within the past 24 months. - Does not apply to same-brand business cards. CHASE 48 MONTH RULE | CHASE 1 SAPPHIRE RULE You cannot get a Chase Sapphire-branded credit card and signup bonus if: - You currently have any Sapphire-branded card open. - You had any Sapphire-branded card before & got a new cardmember bonus on it within the past 48 months. CHASE MAXIMUM NUMBER OF CREDIT CARDS | HOW MANY CHASE CARDS CAN I HAVE? - No known limit. - Chase may limit the total amount of credit extended to you across your card accounts. CHASE CREDIT SCORE REQUIREMENTS | CHASE CREDIT SCORE NEEDED - Not published & may vary by card. I’d personally want to have: - 680+ for Chase-branded cards with no annual fee. - 670+ for co-branded cards. - 700+ for Chase-branded cards with annual fees. - 700+ for Chase-branded business cards. CHASE CREDIT PULLS / HARD INQUIRIES Chase is known to do hard credit pulls for all new credit card applications, even if you already have a preexisting card relationship. (At the time of this video, Chase credit limit increases are usually hard pulls if requested, too). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #creditcardapply 2022-10-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343274/amex-blue-cash-everyday-unboxing-why-i-applied https://gamma.videonest.org/343274_thumbnail_resized_v2.webp https://gamma.videonest.org/343274_video_v3.mp4 Amex Blue Cash Everyday Unboxing! (Why I Applied) My Amex Blue Cash Everyday card ARRIVED with the new design (and new benefits)! Watch me unbox it and discuss why I decided to apply for the card (for the second time) :D Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬VIDEO - Watch Me Apply - Amex Blue Cash Everyday! https://youtu.be/bYWjFLXC2xs The Amex Blue Cash Everyday card is basically the little brother to the Amex Blue Cash Preferred. Ever since American Express refreshed the card with new benefits in July 2022, it’s now become one of the best cash back credit cards available at the moment! It awards 3% cash back at U.S. Supermarkets, U.S. Online Retail purchases, and U.S. gas stations, each one capped at $6,000 spend per year (then 1% until it refreshes the following year). I’m also happy to say that the $25 minimum redemption requirement is GONE :D As an additional note, I had the Amex Blue Cash Everyday card before. That account was closed back in April 2018, so roughly 4.5 years ago. You may be familiar with the ‘Amex Lifetime Rule,’ which says that you cannot receive a welcome offer if you currently “have or have had” that Amex credit card before. However, that ‘lifetime’ is only as long as Amex’s system keeps track of your previous accounts. There’ve been data points that American Express may only look back around 4-5 years. Furthermore, the Amex Pop Up window should appear if you’re ineligible for a signup bonus. I didn’t receive that pop-up, so there’s a good chance that I’ll be able to get the bonus again! (Though we’ll have to wait until I meet the spend requirement first) :D Meanwhile, I look forward to using this new cash back credit card for a lot of my online purchases that would only earn 1% - 2% on other cards. As part of an overall credit card strategy, using this one along with others like the Citi Custom Cash, Citi Double Cash credit card, Chase Freedom Flex, and others can make for a really strong cash back setup covering a variety of different categories. And best of all, this is a credit card with no annual fee (so all the rewards are profit in your pocket)! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #cashback #americanexpress 2022-10-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343275/new-card-us-bank-shopper-rewards-card-6percent-cash-back https://gamma.videonest.org/343275_thumbnail_resized_v2.webp https://gamma.videonest.org/343275_video_v3.mp4 *NEW CARD!* U.S. Bank Shopper Rewards Card (6% Cash Back) U.S. Bank is about to launch the new Shopper Rewards card to earn 6% cash back at select retailers, plus 3% and 1.5% cash back in other areas. Check it out and get on the wait list! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗DOCTOR OF CREDIT BLOG POST - U.S. Bank To Launch Shopper Cash Rewards Card (6% Back On Select Retailers Including Amazon): https://www.doctorofcredit.com/u-s-bank-to-launch-shopper-cash-rewards-card-6-back-on-select-retailers-including-amazon/ 📝 WAIT LIST - U.S. Bank Shopper Cash Rewards Visa Signature Card: https://www.usbank.com/credit-cards/coming-soon-shopper-cash-rewards-visa-signature-credit-card.html The best cash back credit cards are about to get a new competitor! The U.S. Bank Shopper Cash Rewards Visa Signature Card will soon be launching with a unique rewards categories. THE REWARDS STRUCTURE - 6% at 2 Retailers you choose per quarter, up to $1,500 spend - 5.5% Prepaid Car Rentals and Prepaid Hotels via U.S. Bank Rewards Center portal - 3% in 1 Everyday Category you choose per quarter, up to %1,500 spend - 1.5% Other Purchases THE 6% ELIGIBLE RETAILERS - Ace Hardware® - Amazon.com™ - Anthropologie™ - Apple® - Bed, Bath, & Beyond® - Best Buy® - Chewy.com® - Crate & Barrel™ - Disney® - Home Depot® - Ikea® - Kohl's® - Lowe's® - Lululemon™ - Macy's™ - Menards® - Nordstrom™ - Pottery Barn® - QVC® - Restoration Hardware™ - Target® - Walmart® - Wayfair.com - Williams Sonoma® EXAMPLES OF 3% ‘EVERYDAY’ CATEGORIES - Wholesale Clubs - Gas Stations and EV Charging Stations - Bills / Home Utilities ANNUAL FEE - Unknown as of 10.13.2022 While we don’t yet know if this credit card will have an annual fee, if we look at the Amex Blue Cash Preferred card - which has a similar rewards model and also has a $95 annual fee - then there’s a good chance this card will, too. This card also has some similarities to the U.S. Bank Cash+ card, which allows you to earn cash back in several choice categories from predefined lists. On the whole, this seems like a solid new credit card, though we'll have to wait to see how the final product turns out once it's publicly released. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #cashback #bestcreditcards 2022-10-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343276/amex-platinum-vs-chase-sapphire-reserve-vs-capital-one-venture-x-huge-comparison https://gamma.videonest.org/343276_thumbnail_resized_v2.webp https://gamma.videonest.org/343276_video_v3.mp4 Amex Platinum vs Chase Sapphire Reserve vs Capital One Venture X (HUGE Comparison!) It’s a battle of the 3 Premium Travel Credit Cards (but which one is best?) View side-by-side comparisons to learn if the Amex Platinum Card, Chase Sapphire Reserve, or Capital One Venture X is right for you! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese The Amex Platinum Card has a HUGE $695 annual fee, but with that comes a lot of credits and benefits to help you earn back that cost. The card earns Amex Membership Rewards points, which offer a great deal of flexibility for travel redemptions. Additionally, the Amex Platinum Card is a great choice if you’re looking for the BEST credit card for lounge access. It’ll get you into the Amex Centurion Lounge, Delta SkyClub, Priority Pass lounges, Plaza Premium Lounges, and many more. You’ll also be given automatic Marriott Bonvoy Gold Elite Status, Hilton Honors Gold Status, and various elite status levels with rental car companies. Be aware that if you get this card, make sure you’re willing to manage all the credits that give you rebates in different spending categories (and also make sure the credits fit in with your normal spend habits). The Chase Sapphire Reserve costs a bit less at a $550 annual fee. It’s the better choice if you want the highest overall value for a rewards program (it makes Chase Ultimate Rewards points worth 1.5¢ towards travel at a minimum AND select retail categories via the Chase Pay Yourself Back feature). Consider this travel credit card if you tend to book travel outside of bank portals (i.e. directly with the airline or hotel websites) and if you want the best overall travel insurance and retail protections. In time, the Chase Sapphire Lounge network will be built out, giving you access to more airport lounges. The Capital One Venture X is the newest option of them all and is also the most affordable with its $395 annual fee. Take a look at this card if you’re ok with using the Capital One Travel portal to book your trips and if you want to share benefits with others by adding them as authorized users (note: each one receives their own Priority Pass membership). It’s a fantastic card if you want the basics without working to get value (that is, there aren’t a bunch of credits to track). It also earns Capital One Miles, which are arguably one of the easiest point systems to use (thanks to the ‘point eraser’ feature that allows you to do simple redemptions for travel purchases as statement credits). Furthermore, the Capital One Lounge network, while very new, has already opened its first location at DFW airport. More locations are on the way! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #creditcards #bestcreditcards 2022-10-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343277/watch-me-apply-amex-blue-cash-everyday-amex-5-card-limit https://gamma.videonest.org/343277_thumbnail_resized_v2.webp https://gamma.videonest.org/343277_video_v3.mp4 *WATCH ME APPLY* Amex Blue Cash Everyday! (Amex 5 Card Limit) I decided to apply for the Amex Blue Cash Everyday card! Ever since it got updated to include 3% cash back on U.S. Online Retail Purchases, it’s been hot on my list. Did I get approved? Watch to find out! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗PRESS RELEASE - American Express® Enhances Blue Cash Everyday® Card with New Design, Cash Back Rewards, and Benefits: https://www.businesswire.com/news/home/20220714005286/en/American-Express%C2%AE-Enhances-Blue-Cash-Everyday%C2%AE-Card-with-New-Design-Cash-Back-Rewards-and-Benefits 🎬VIDEO - How to get APPROVED for American Express Credit Cards! (Amex Application Rules): https://youtu.be/X4afVAbhc4g On July 14, 2022, American Express relaunched the Blue Cash Everyday credit card with a new design and updated benefits, all without increasing the annual fee! Since then, the new rewards structure is as follows: - 3% Groceries at U.S. Supermarkets, up to $6K spend per year, then 1% - 3% U.S. Online Retail Purchases, up to $6K spend per year, then 1% - 3% U.S. Gas Stations, up to $6K spend per year, then 1% - 1% Other Purchases It also offers the following benefits: - The Disney Bundle: Get $7/mo. back, up to $84 per year, after spending $13.99+ per month on eligible subscriptions to The Disney Bundle. Enrollment required. - Home Chef Credit: Get up to $15/mo. back in statement credits, up to $180 per year, when you enroll & activate this benefit and charge Home Chef meal subscriptions to your card. Upon seeing that online retail category, I’ve had the Amex Blue Cash Everyday card on my ‘hot list’ of cards to apply for in the future. Very few credit cards offer elevated rewards for online shopping (another notable one is the Bank of America Customized Cash Rewards Card), so this is a major standout feature. Furthermore, there aren’t many Amex credit cards with a $0 annual fee, and this is one of them. In fact, I’d argue it’s one of the best cash back credit cards available right now. And best of all, since it earns cash back, it works well as part of a multi-card strategy. For instance, you could use it alongside the Citi Double Cash card, Citi Custom Cash card, Chase Freedom Flex card, and many others to help you cover a variety of different spend categories. The fact that it’s also a credit card with no annual fee makes it a great long-term keeper card, too. That way you can keep it open for years to come, build positive credit history and increase your credit score, without having to pay anything for it. Well…the day has arrived…it’s time to apply! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #creditcards #creditcardapply 2022-10-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343278/marriott-bonvoy-brilliant-unboxing-new-design https://gamma.videonest.org/343278_thumbnail_resized_v2.webp https://gamma.videonest.org/343278_video_v3.mp4 Marriott Bonvoy Brilliant Unboxing! (NEW DESIGN) I received my new Marriott Bonvoy Brilliant Card in the mail and now it’s time for an unboxing! I’ll also compare it to the old design and talk about why I’m keeping it despite the higher $650 annual fee. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese I opened my Marriott Bonvoy Brilliant account back in Aug. 2018 (at that time it was the SPG Luxury Credit Card). More recently on Sep. 22, 2022, Marriott and American Express relaunched the card with a higher annual fee (originally $450, now $650) and a handful of improved benefits. Here are the 4 Main Reasons why I’m keeping the Marriott Bonvoy Brilliant Card (at least for the foreseeable future): 1. $300 Dining Credit: This is issued as statement credits, up to $25/mo., and works at restaurants worldwide. I see this as a simple way to lower the effective annual fee to $350 as I already spend more than $25 per month at restaurants. 2. 85K Marriott Free Night Award: Each year you keep the card open and pay the annual fee, you’ll receive a Free Night certificate worth up to 85K points. This puts more Marriott luxury brands within reach, like Ritz-Carlton hotels, W hotels, JW Marriott hotels, St. Regis hotels, and more. Just be aware that this certificate only works for 1 night, so if you're staying at an expensive property for 2 nights or longer, then you'll need to have a lot of additional points or cash to pay for the remainder. 3. Complimentary Marriott Bonvoy Platinum Elite Status: As I see it, this is the sweet spot of the Marriott Bonvoy program. It offers a lot of really valuable benefits, including 50% more base points per stay, room upgrades including suites, a welcome amenity of points / breakfast benefit / other option, free premium Wi-Fi, lounge access, and more. 4. 25 Elite Night Credits Per Year: These act as if you had stayed an additional 25 nights each year. This is valuable for helping you achieve higher levels of elite status (e.g. Marriott Bonvoy Titanium) and also helps you work towards Marriott Lifetime Elite Status. I’m currently eyeing Marriott Lifetime Platinum, which requires being a Platinum Elite for 10 years and staying a total of 600 nights. On the whole, I see this hotel credit card as a fantastic way to get more value out of Marriott hotel stays, though make sure it fits in with your travel habits prior to adding it to your wallet. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #marriott #marriottbonvoy #americanexpress 2022-10-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343279/whats-in-my-wallet-q4-2022-or-credit-card-strategy-2022 https://gamma.videonest.org/343279_thumbnail_resized_v2.webp https://gamma.videonest.org/343279_video_v3.mp4 WHAT’S IN MY WALLET Q4 2022 | Credit Card Strategy 2022 Take a look inside my wallet to see which credit cards I’m using for Q4 2022! This time around you’ll find a blend of travel credit cards and cash back credit cards, each one with a unique purpose Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese For Q4 2022, I’m focusing my credit card rewards across 7 cards: 1. Amex Gold Card: I’m using this Amex charge card for dining and grocery store spend as it earns 4X Amex Membership Rewards points in each of those categories. To offset the $250 annual fee, it also comes with a $120 dining credit at select merchants and a $120 Uber Cash benefit. Both of these are issued as $10/mo. and I make sure to use them. This makes the effective annual fee only $10. 2. Marriott Bonvoy Brilliant Card: I’m using this Amex credit card for the $25/mo. dining credit (up to $300/yr.), which is a new benefit that replaced the old $300 Marriott Bonvoy credit. This card provides me with massive value as it allows me to maintain Marriot Bonvoy Platinum Elite Status, offers 25 Elite Night Credits, issues a Marriott Free Night certificate worth up to 85,000 points, and more! 3. World of Hyatt Credit Card: I’m using this Chase credit card for the targeted, limited-time spend bonus allowing me to earn 10X points at gas stations. The same offer also awards 5X points at Amazon.com and grocery stores, all up to $1,500 in combined spend. However, I’m using other credit cards for those two categories. 4. Discover it Cash Back Credit Card: I’m using this cash back credit card to earn 5% cash back at Amazon.com and 5% cash back on mobile wallet transactions (i.e. Apple Pay). These are part of the Discover it cash back calendar for Q4 2022. 5. Chase Freedom Flex Card: I’m using this cash back credit card to earn 5% via PayPal. The Chase Freedom calendar also includes Walmart for Q4 2022, though I’m not shopping there at this time. Note: The Chase Freedom Flex issues cash back in the form of Chase Ultimate Rewards points. 6. Citi Custom Cash Card: I’m using this cash back credit card for its flexible 5% cash back category (i.e. 5% in your Top Spend Category from an eligible list). For me, I’m using this card exclusively for drug store purchases. Note: The Citi Custom Cash card issues cash back in the form of Citi ThankYou points. // Citi Custom Cash Categories: - Restaurants - Gas Stations - Grocery Stores - Select Travel - Select Transit - Select Streaming Services - Drugstores - Home Improvement Stores - Fitness Clubs - Live Entertainment 7. Amex Blue Business Plus Card: I’m using this Amex business credit card at my catch-all credit card (i.e. for all my non-bonus / non-category spend that would normally earn 1X - 1.5X on other credit cards) because it earns 2X on all purchases, up to $50K spend per year. The majority of my focus is on cash back credit cards right now, but I’m also adding some travel rewards with Hyatt because the targeted limited-time offer to earn 10X points at gas stations is so good! I also redeem my Amex Membership Rewards points for cash back via the Schwab Platinum Card, which allows me to cash out at a rate of 1.10¢ per point into my Charles Schwab brokerage account. I can then send the funds out to a linked checking account. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #whatsinmywallet #bestcreditcards #americanexpress 2022-10-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343280/should-you-get-tsa-precheck-global-entry-or-clear-complete-guide https://gamma.videonest.org/343280_thumbnail_resized_v2.webp https://gamma.videonest.org/343280_video_v3.mp4 Should YOU Get TSA PreCheck, Global Entry, or CLEAR? (Complete Guide) Which one should you get? TSA PreCheck, Global Entry, or CLEAR? Learn about each program, their benefits, and how much they cost so you can pick the right one and save time at the airport! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese TSA PRECHECK - TSA PreCheck is an expedited airport security program offered by the Transportation Security Administration (TSA). It’s currently available at 200+ airports and 80+ airlines. - How much is TSA PreCheck? 1st Time = $85 | Renewal = $70 - How long does TSA PreCheck last? Valid for 5 years. - TSA PreCheck Benefits: Helps you get through U.S. airport security faster & more conveniently (Nassau, Bahamas is now included). In short, it speeds up the physical screening process. You do not need to remove: shoes, laptop, belt, jacket, 3-1-1 liquids - How to Use TSA PreCheck: See video. CLEAR - CLEAR is an expedited security ID program offered by Secure Identity, LLC. It also has a bunch of other uses, including: entry to stadiums, health ID, and more. It’s currently available at 40+ cities. - How much is CLEAR? $189 for 1 year (less with United Airlines or Delta Airlines account). You can add kids under 18 for $0 and add adults 18+ = $60 ea. - CLEAR Benefits: Helps you get through U.S. (airport) security faster & more conveniently. In short, it speeds up the document / ID verification process by using biometrics and your government-issued ID on file. You then proceed to the front of the standard security line or TSA PreCheck line. - How to Use CLEAR at Airport: See video. GLOBAL ENTRY - Global Entry is an expedited U.S. Customs clearance program offered by the U.S. Customs and Border Protection (CBP) agency. Kiosks currently located at 58 U.S. airports and 17 international airports. - How much is Global Entry? $100 for 5 years, including renewals. - Global Entry includes TSA PreCheck. - Global Entry Benefits: Helps you get through U.S. customs faster & more conveniently when entering the U.S. after a trip abroad. You can avoid the long processing lines and physical paperwork. - How to Use Global Entry at Airport: See video. BEST OPTION? - If you’re a frequent traveler who also flies internationally, then consider getting Global Entry AND CLEAR. Global Entry comes with TSA PreCheck, and TSA PreCheck can be combined with CLEAR. That makes for a very powerful setup to get through airport security VERY QUICKLY :D Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #tsaprecheck #globalentry #travel 2022-10-01T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343281/how-to-get-approved-for-american-express-credit-cards-amex-application-rules https://gamma.videonest.org/343281_thumbnail_resized_v2.webp https://gamma.videonest.org/343281_video_v3.mp4 How to get APPROVED for American Express Credit Cards! (Amex Application Rules) Want to apply for an Amex credit card? Learn the Amex application rules FIRST so you can increase your chances of getting approved! I’ll also share what I do BEFORE an Amex credit card application. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO: Amex Platinum Card Easy to Get? https://youtu.be/vJ-5eM-pqAw 🎬 VIDEO: How Many Amex Cards Can You Have? https://youtu.be/tdSUo1h-ewY 🎬VIDEO: Amex Pop Up Window | Amex Pop Up Jail https://youtu.be/PpwLiesAzbo A lot of people want to apply for Amex credit cards and are often surprised when they get denied. To learn how to get approved for Amex cards, first study the Amex application rules. Following these rules does not guarantee an approval, rather, it may give you a higher chance of an approval. Amex Application Rule 1: Amex 1/5 Rule - You may get approved for 1 Amex credit card every 5 days. This does not apply to Amex charge cards, which include the: Amex Centurion Card, Amex Platinum Card, Amex Gold Card, Amex Green Card, and the Amex Plum Card. Amex Application Rule 2: Amex 2/90 Rule - You may get approved for 2 Amex credit cards every 90 days. This does not apply to Amex charge cards. Amex Application Rule 3: Amex 4-5 Credit Card Rule - This answers the question of “How many Amex cards can you have?” - You may get approved for a maximum of 4 or 5 Amex credit cards. This does not apply to Amex charge cards. Amex Application Rule 4: Amex 10 Charge Card Rule - You may get approved for a maximum of 10 Amex charge cards. This applies to the: Amex Centurion, Platinum, Gold, Green, and Plum Cards. Amex Application Rule 5: Credit Score Requirements - This answer the question of “What credit score do you need for American Express cards?” - Unfortunately, the Amex credit score requirements are not published and they may vary from one credit card or charge card to another. I’d personally feel good about applying with a 670 score or higher. Also note that Amex charge cards tend to be easier to get approved for than Amex credit cards. Amex Application Rule 6: Amex Hard Inquiry vs. Amex Soft Inquiry - Your first Amex credit card / charge card application will likely involve a hard inquiry. - Your second (and beyond) Amex credit card / charge card application will likely involve a soft inquiry. - NOTES: If you begin your Amex journey on the personal side, you may get another hard inquiry on your 1st business card. If you begin your Amex journey on the business side, you may get another hard inquiry on your 1st personal card. Amex Application Rule 7: Amex Once In A Lifetime Rule | Amex Once Per Lifetime Rule - You can get a welcome offer on each Amex card only ONCE. - Exceptions: Amex No Lifetime Language offers, Waiting about 5+ years for Amex’s system to refresh Amex Financial Reviews - Amex financial reviews are not common but may occur at any time. A likely trigger is having a lot of credit from Amex, especially compared to your income. Consider an Amex credit limit decrease or closing an account before applying for a new card if you think your total lines with Amex are getting (too) high. Amex Pop Up Window - This is a message saying you’re not eligible for the welcome bonus. Occurs before fully submitting. - What may cause it? - Receiving too many Amex welcome bonuses* - Receiving too many introductory APR offers* - Opening too many Amex cards* - Closing too many Amex cards* - If you’ve had the same card in the past - Other factors * Within a given period of time (not publicly known). Amex Reconsideration Line Number - If your application goes to ‘pending’ or gets denied, consider calling the Reconsideration Line to see if an underwriter can turn the decision around into an approval. - Phone #: 1 (800) 567-1083 What I Do BEFORE Applying For an Amex Card… 1. USE EXISTING Amex cards regularly. 2. LOOK AT current balances. If any are high, pay them off. 3. COUNT current cards. If at a limit (e.g. 4/5 credit cards), then close 1 card. Don’t transfer the line to another card. 4. COUNT current limits. If total lines are getting really large, request a credit-limit decrease (or close a card). 5. MAKE SURE you’re in compliance with 1/5 and 2/90 Rules. 7. CHECK if you’ve had the card before. If yes, check for ‘lifetime language.’ 7. APPLY! #americanexpress #creditcards #amexplatinum 2022-09-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343282/new-marriott-bonvoy-bevy-marriott-bonvoy-bountiful https://gamma.videonest.org/343282_thumbnail_resized_v2.webp https://gamma.videonest.org/343282_video_v3.mp4 *NEW!* Marriott Bonvoy BEVY + Marriott Bonvoy BOUNTIFUL 2 BRAND NEW Marriott Bonvoy credit cards are now available! Learn about the Marriott Bonvoy BEVY from American Express and Marriott Bonvoy BOUNTIFUL from Chase (plus changes to the Marriott Bonvoy Business card, too)! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗 PRESS RELEASE - Marriott Bonvoy® Introduces New Cobrand Credit Cards From American Express® And Chase Designed For People Who Live to Travel And Want To Earn Points Faster: https://www.prnewswire.com/news-releases/marriott-bonvoy-introduces-new-cobrand-credit-cards-from-american-express-and-chase-designed-for-people-who-live-to-travel-and-want-to-earn-points-faster-301630743.html 🔗 AMEX NEWS - American Express and Marriott Bonvoy Launch New Bevy Card and Enhance Luxury Brilliant Card: https://about.americanexpress.com/newsroom/press-releases/news-details/2022/American-Express-and-Marriott-Bonvoy-Launch-New-Bevy-Card-and-Enhance-Luxury-Brilliant-Card/default.aspx 🔗 FORBES ARTICLE - Marriott Bonvoy Introduces Two New Cards: The Bevy And The Bountiful: https://www.forbes.com/advisor/credit-cards/marriott-bonvoy-introduces-two-new-cards-the-bevy-and-the-bountiful/ 🔗 BUSINESS INSIDER ARTICLE - Marriott has unveiled the new Bonvoy Bevy and Bountiful credit cards, and the Bonvoy Brilliant just got an extensive makeover: https://www.businessinsider.com/personal-finance/marriott-bonvoy-bevy-bountiful-brilliant-news-2022-9 As of September 22, 2022, both Amex and Chase launched all-new Marriott Bonvoy credit cards with $250 annual fees. Here are the main benefits of the two cards, taken from the press release (link above): - 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy - 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets - 2X Marriott Bonvoy Points on all other eligible purchases - 1,000 Marriott Bonvoy Bonus Points with each qualifying stay - Complimentary Gold Elite status - A Free Night Award (redemption level at or under 50,000 Marriott Bonvoy Points) after making $15,000 in purchases per year. Certain hotels have resort fees. - 15 Elite Night Credits each calendar year toward higher Elite status You’ll notice that the two credit cards are nearly IDENTICAL, however… a. The Marriott Bonvoy Bountiful is issued by Chase and runs on the Visa network. b. The Marriott Bonvoy Bountiful earns 4X points at supermarkets worldwide, not just within the U.S. (which is the case of the Marriott Bonvoy Bevy issued by Amex). If you’re a big international traveler, you may find value in the Marriott Bonvoy Bountiful due to it being a Visa and its lack of the U.S. restriction on grocery store purchases. While these 2 new Marriott credit cards may have high price tags ($250/yr. each), at least they do offer complimentary Marriott Gold Elite status simply from having them. Previously, the only way to obtain that was via the old version of the Marriott Bonvoy Brilliant, which had a $450 annual fee at the time (i.e. prior to 9.22.2022). That said, for many casual travelers who occasionally stay at Marriott hotels, the Marriott Bonvoy Boundless credit card from Chase ($95 annual fee) may be a more compelling card. Regarding the Marriott Bonvoy Business Card, it also had several updates that were added back in July 2022 as follows: - 7% Marriott Bonvoy Room Rate Discount - Gold Elite Status, complimentary - 4X Points on Global Dining (previously only in the U.S.) What about the Ritz Carlton Credit Card? Here’s what the press release says: - Card members who have The Ritz-Carlton Rewards™ Card from Chase, which is no longer available to new applicants, will receive the new 85K Anniversary Free Night Award. There is no change to The Ritz-Carlton Rewards™ Card annual fee. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #marriottbonvoy #americanexpress 2022-09-23T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343283/huge-update-marriott-bonvoy-brilliant-amex-dollar650-annual-fee https://gamma.videonest.org/343283_thumbnail_resized_v2.webp https://gamma.videonest.org/343283_video_v3.mp4 *HUGE UPDATE!* Marriott Bonvoy Brilliant Amex ($650 Annual Fee!) The ALL NEW Marriot Bonvoy Brilliant Card from American Express has launched with a ton of new benefits (incl. Marriott Bonvoy Platinum Elite status) and a Free Night Award up to 85K points! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗 PRESS RELEASE - Marriott Bonvoy® Introduces New Cobrand Credit Cards From American Express® And Chase Designed For People Who Live to Travel And Want To Earn Points Faster: https://www.prnewswire.com/news-releases/marriott-bonvoy-introduces-new-cobrand-credit-cards-from-american-express-and-chase-designed-for-people-who-live-to-travel-and-want-to-earn-points-faster-301630743.html 🔗 AMEX NEWS - American Express and Marriott Bonvoy Launch New Bevy Card and Enhance Luxury Brilliant Card: https://about.americanexpress.com/newsroom/press-releases/news-details/2022/American-Express-and-Marriott-Bonvoy-Launch-New-Bevy-Card-and-Enhance-Luxury-Brilliant-Card/default.aspx 🔗 FORBES ARTICLE - Marriott Bonvoy Introduces Two New Cards: The Bevy And The Bountiful: https://www.forbes.com/advisor/credit-cards/marriott-bonvoy-introduces-two-new-cards-the-bevy-and-the-bountiful/ 🔗 BUSINESS INSIDER ARTICLE - Marriott has unveiled the new Bonvoy Bevy and Bountiful credit cards, and the Bonvoy Brilliant just got an extensive makeover: https://www.businessinsider.com/personal-finance/marriott-bonvoy-bevy-bountiful-brilliant-news-2022-9 As of September 22, 2022, the Marriott Bonvoy Brilliant American Express card has gotten a BIG overhaul of benefits (and a higher annual fee to go along with them). Here are the main benefits of the card, taken from the press release (link above): - 6X Marriott Bonvoy points on purchases at hotels participating in Marriott Bonvoy, 3X points at restaurants worldwide and on flights booked directly with airlines, and 2X points on all other eligible purchases - Complimentary Marriott Bonvoy Platinum Elite Status (New) - One Free Night Award each year after Card renewal month that can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Certain hotels have resort fees. (New) - Up to $300 in statement credits per calendar year (up to $25 back per month) for dining purchases at restaurants worldwide (New) - 25 Elite Night Credits each calendar year (New) - Up to a $100 property credit for qualifying charges at The Ritz-Carlton, Ritz-Carlton Reserve or St. Regis brands when you book direct using a special rate for a 2+ night stay - New Annual Earned Choice Award: Each calendar year (starting January 2023), after making $60K in purchases, Card Members can select an Earned Choice Award benefit - Priority Pass Select Membership (enrollment required) Application fee credit for TSA PreCheck or Global Entry (which comes with access to TSA PreCheck) What about the Ritz Carlton Credit Card? Here’s what the press release says: - Card members who have The Ritz-Carlton Rewards™ Card from Chase, which is no longer available to new applicants, will receive the new 85K Anniversary Free Night Award. There is no change to The Ritz-Carlton Rewards™ Card annual fee. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #marriottbonvoy #americanexpress 2022-09-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343284/my-credit-score-dropped-27-points-why-i-dont-care https://gamma.videonest.org/343284_thumbnail_resized_v2.webp https://gamma.videonest.org/343284_video_v3.mp4 My Credit Score DROPPED 27 Points! (Why I Don’t Care) My credit score just dropped by 27 points! Learn what happened so you can avoid this simple credit score mistake (and how to increase your credit score if it happens to you)! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO: Are Airline Credit Cards Worth it? https://youtu.be/WhOdp8Qfyus I logged into my Credit Karma account and saw that my credit score decreased in a big way! Previously it was 808, and now at 781, that represented a drop of 27 points! In the video I explain what happened (hint: it had to do with my credit utilization, the second largest factor of your credit score), and what I plan to do in order to increase my credit score back to where it was originally. Your credit score can be broken down into 5 main credit factors, each of which has a different weight on your credit score. I like to remember the factors via the acronym: PHURLEMINA. PH = Payment History (35% of your credit score): This represents how many on-time payments you’ve made on your credit account. The more, the better. UR = Utilization Ratio (30% of your credit score): This represents how much of your credit limit you’re using, both on individual credit cards and across all credit card accounts. At any moment in time, you can calculate your utilization ratio by adding up your credit balances and dividing that total by the sum of your credit lines. In other words: Current Balance ÷ Credit Limit. Multiply the result by 100 to put in into percentage form. LE = Length of Credit History (15% of your credit score): This is also called Average Length of Credit History, taking into account your oldest credit card, newest credit card, and any others in between. MI = Mix of Accounts (10% of your credit score): This represents the different types of financial products on your credit report, like credit cards, auto loans, installment loans, etc. Generally, the credit bureaus like to see you’re financially responsible with different types of products. NA = New Accounts (10% of your credit score): This includes any new credit card accounts you’ve opened and credit inquiries (i.e. hard inquiries / hard pulls on your credit report). A lot of changes to your credit score are temporary and are easy to fix. So, if you see a credit score drop, learn which factors were involved, then focus on those areas to make your rebound happen a lot faster! 🎬 MORE CREDIT CARD VIDEOS 🔹CREDIT CARDS 101 Playlist: https://youtube.com/playlist?list=PLXI3_Pam2x5JmRli1C_0RsSdIAIsJrXWO 🔹 When to Pay Credit Card Bill to Increase Credit Score: https://youtu.be/BtIwGldr9rY 🔹How Often To Apply For Credit Cards: https://youtu.be/2p7egp0iz9M 🔹Does Closing a Credit Card Hurt Your Credit Score: https://youtu.be/UcWqixdQk30 Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditscore #creditcards101 2022-09-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343285/delta-skymiles-reserve-card-review https://gamma.videonest.org/343285_thumbnail_resized_v2.webp https://gamma.videonest.org/343285_video_v3.mp4 Delta SkyMiles Reserve Card Review! The Delta SkyMiles Reserve American Express Card is the TOP TIER airline credit card offered by Delta with a TON of great benefits to help you travel like a VIP. But is it right for you? Find out in this video! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO: Are Airline Credit Cards Worth it? https://youtu.be/WhOdp8Qfyus WELCOME OFFER (Sep. 2022) Earn 50,000 Delta SkyMiles and 10,000 Delta Medallion Qualification Miles (MQMs) after spending $3,000 on purchase in the first 3 months. The approximate value of the miles portion of this offer is $550 toward Delta flights. Note: higher targeted offers may be available with higher spend requirements. ANNUAL FEE = $550 CHOOSE YOUR DESIGN You can choose to get the Delta SkyMiles Reserve card in metal or in 70% reclaimed plastic. Make your selection on the landing page before going through the credit card application. EARN DELTA SKYMILES - 3X Delta Purchases made directly with Delta Air Lines - 1X Other Purchases REDEEM DELTA SKYMILES - Delta Flights: 1.1¢ per mile, average BENEFITS - Delta Sky Club Access when flying Delta - Amex Centurion Lounge access when flying Delta - Delta Annual Companion Certificate: First Class, Comfort Plus, Premium Select, Main Cabin - Delta Status Boost: Earn 15K MQMs after spending $30K in a calendar year up to 4X per year - Delta MQD Waiver after spending $25K in a calendar year - TSA PreCheck / Global Entry credit, up to $100 in statement credits - Delta Complimentary Upgrades - Delta Upgrade Priority - Delta Free First Checked Bag - 20% In-Flight Discount - Delta Priority Boarding - No Foreign Transaction Fees - Delta Pay With Miles - Global Dining Access by Resy - Instant Card Number - ShopRunner membership - Concierge INSURANCE & PROTECTIONS - Baggage Insurance Plan - Trip Delay Insurance - Trip Cancellation & Interruption Insurance - Car Rental Loss & Damage Insurance - Purchase Protection - Return Protection - Extended Warranty - Cell Phone Protection SHOULD YOU GET IT? YES if you… - Fly Delta moderately to frequently. - DO NOT fly enough to earn elite status but: (a) Want elite-like benefits simply by having the card and/or (b) Want to earn elite status via spend. - DO fly enough to earn elite status but… - Want to earn higher status via spend. - Want access to the Delta Sky Club. - Want access to the Centurion Lounge. - Can use the Companion Certificate every year. NO if you… - Fly Delta infrequently (or not at all). - Would not use the Delta Sky Club regularly. - Don’t care about elite benefits. - If the benefits from other Delta cards w/ lower annual fees are sufficient for you. - Prefer more flexible / transferrable rewards. - Prefer cash back rewards. - Want to earn Delta Sky Miles quickly. 🎬 MORE CREDIT CARD VIDEOS 🔹 Are Airline Credit Cards Worth it: https://youtu.be/WhOdp8Qfyus 🔹Delta SkyMiles Platinum Amex Review: https://youtu.be/3h5Py9kiB2A 🔹Delta SkyMiles Gold Card Review: https://youtu.be/LT751vs8bbQ 🔹Amex Platinum $200 Airline Credit (Step by Step Tutorial): https://youtu.be/xIXYO7T27MQ 🔹7 BEST Amex Platinum Card Benefits (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Amex Platinum Card Review: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022?! (Amex Gold Card Review): https://youtu.be/iF07TX7MH8Y Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #deltaairlines #travelcreditcards #airportlounge 2022-09-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343286/citi-premier-card-unboxing https://gamma.videonest.org/343286_thumbnail_resized_v2.webp https://gamma.videonest.org/343286_video_v3.mp4 Citi Premier Card Unboxing! I applied and got APPROVED for the Citi Premier Card in August 2022 and it ARRIVED! Here’s the unboxing video and reasons why I decided to get it (the 80K bonus was one of them). Enjoy! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese The Citi Premier Card is one of the best travel credit cards if your goal is simply to earn a bunch of travel rewards to pay for an upcoming vacation (it’s not a great card for insurance or protections as those were removed a few years ago). As of the making of this video, the Citi Premier 80K bonus is still available for a limited time. Here’s the requirement: - Earn 80,000 Citi ThankYou points after spending $4,000 in the first 3 months. The value of these points = $800 towards gift cards, cash back, and travel. The value could be potentially higher if you utilize Citi Transfer Partners in a strategic way. Unlike a lot of other travel credit cards, it allows you to earn points in a lot of useful, everyday spending categories, including: - 3X Air Travel - 3X Hotels - 3X Travel Agencies - 3X Restaurants - Supermarkets - 3X Gas Stations - 1X Other Purchases The #1 benefit is probably the “$100 Annual Savings Benefit.” This allows you to get $100 off a single hotel stay costing $500 or more, excluding taxes and fees. In order for it to work, you’ll need to book the hotel via the Citi Travel Portal and charge it to your Citi Premier Card. This benefit is available once per calendar year, so it’s a great way to cover the $95 annual fee. Since it earns Citi ThankYou points, it also works very well to make a Citi Trifecta. For instance, you can combine it with the Citi Double Cash credit card and the Citi Custom Cash credit card (which all earn ThankYou points) to cover different spend categories. Translation: use several cards together to earn rewards even faster! 🎬 MORE CREDIT CARD VIDEOS 🔹 WATCH ME APPLY - Citi Premier Card 80K Points: https://youtu.be/PT9LGFr0X4o 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹Citi Custom Cash Card Review: https://youtu.be/YHj6-ZC8LyA 🔹Citi Double Cash Credit Card Review: https://youtu.be/1znzMhflCsw 🔹5 Reasons Why I Love The Citi Custom Cash Card: https://youtu.be/ZaBEQsf1IeI Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. 2022-09-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343287/how-to-redeem-amex-points-for-maximum-value https://gamma.videonest.org/343287_thumbnail_resized_v2.webp https://gamma.videonest.org/343287_video_v3.mp4 How to Redeem Amex Points for MAXIMUM VALUE! Want to see the BEST WAY to redeem Amex points for MAX value? It involves using Amex transfer partners strategically to save a lot of money on travel. Watch this video to learn how! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO: Beginner’s Guide to Transfer Partners for BIG Value (Amex, Chase, Citi, Capital One Credit Cards): https://youtu.be/ae1WayyrwnE American Express Membership Rewards points are among the most valuable credit card rewards on the planet (right up there with Chase Ultimate Rewards points, Citi ThankYou points, and Capital One Venture Miles). Many people are aware of Amex credit cards, but very few understand how to redeem Amex points for travel in a way that gives them huge, outsized value. If you want to save BIG money on travel and make that next vacation a lot more affordable, you’ve got to learn how to use Amex transfer partners. This involves transferring Amex points to other airline and hotel programs, then booking award flights and hotel stays on the partner’s website. Here’s the current list of AMEX TRANSFER PARTNERS as of September 2022: AIRLINES - Aer Lingus Aer Club - Aeromexico Club Premier - Air Canada Aeroplan - Air France KLM Flying Blue - ANA Mileage Club - Avianca LifeMiles - British Airways Executive Club - Cathay Pacific Asia Miles - Delta SkyMiles - Emirates Skywards - Etihad Guest - Hawaiian Airlines - Iberia Plus - JetBlue TrueBlue - Qantas Frequent Flier - Singapore Airlines KrisFlyer - Virgin Atlantic HOTELS - Choice Privileges - Hilton Honors - Marriott Bonvoy All that said, using Amex transfer partners DOES NOT GUARANTEE big value. When it comes to airline miles, hotel points, credit card points, etc., a lot of these programs have different values. Plus, many of those airline and hotel programs have dynamic pricing, meaning the cash rates and rewards rates can fluctuate (even daily). For that reason, it’s up to you to do the research and build a travel itinerary that yields a high value per point, and you’ll want to do that planning BEFORE doing any transfers. In the end, the points game is all about using the fewest points possible to cover the biggest cash price possible (that way you save money to be used for other things)! And if you're new to all this, check out my beginner's guide to transfer partners (including Amex) in the links below! 🎬 MORE CREDIT CARD VIDEOS 🔹Beginner’s Guide to Transfer Partners for BIG Value (Amex, Chase, Citi, Capital One Credit Cards): https://youtu.be/ae1WayyrwnE 🔹The 6 WORST Amex Transfer Partners: https://youtu.be/sxNsG1nkuXA 🔹The MOST VALUABLE Credit Cards Points | The BEST Credit Card Points: https://youtu.be/LgyK0TMA6_Q 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹7 Amex Sign Up Bonus HACKS to Know: https://youtu.be/prqoEegZKgk 🔹7 BEST Amex Platinum Card Benefits! (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Chase Sapphire Preferred Review: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred: https://youtu.be/HolY8a3Jva4 🔹Amex Platinum Card Review: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/iF07TX7MH8Y Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexcreditcards #amexplatinum 2022-09-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343288/10-credit-card-mistakes-to-avoid-as-a-beginner https://gamma.videonest.org/343288_thumbnail_resized_v2.webp https://gamma.videonest.org/343288_video_v3.mp4 10 Credit Card MISTAKES To Avoid As A Beginner Learn how to use a credit card the RIGHT way by learning the Top 10 Mistakes to AVOID! Once you use credit cards responsibly, they can be a great financial tool to help you manage money. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬MORE CREDIT CARD VIDEOS: See links at bottom of description! If you’ve ever wanted to travel the world for free (or close to it) or earn extra money to pay your monthly bills or invest into the stock market / other asset classes, then credit cards can be a really helpful financial tool. From the travel points and miles you can earn through some of the best credit card signup bonuses, to the ongoing cash back rewards from buying things you regularly buy, credit card rewards can be a fun way to supplement your income. However, credit cards are neither good nor bad. They’re simply a neutral financial tool that CAN be good or CAN be bad based on HOW you use them. For that reason, once you’ve become a financially responsible individual by learning sound practices, then you’ll understand how credit cards can be used to your advantage. In this video we’ll explore 10 HUGE MISTAKES that credit card beginners make so you can avoid them as you start your journey (and therefore increase your credit score faster, qualify for the best rates on a big purchase like a house or car, earn rewards, and more)! Also, there are a lot of credit cards that are really popular (like the Amex Gold Card and the Chase Sapphire Preferred card). It’s true, they can be great for the right people, but that doesn’t mean they’re the right credit card for you. That’s why it’s important to apply for the right credit cards based on where you are in your credit journey and also based on what you value / what your goals are. Watch this video, educate yourself, and learn how to win with money and credit cards! Here are my Top 10 Credit Card MISTAKES: 1. Using credit cards the wrong way 2. Applying for the wrong credit cards 3. Not understanding how credit cards work 4. Not understanding your credit card statement (i.e. your credit card bill) 5. Carrying a balance from month to month 6. Applying for credit cards too frequently 7. Not knowing when to pay your credit card bill (and paying interest) 8. Using a lot of your credit card limit (or maxing it out) 9. Missing a sign up bonus 10. Spending more than you’d normally spend 🎬 MORE CREDIT CARD VIDEOS 🔹CREDIT CARDS 101: When To Pay Credit Card Bill To Increase Credit Score https://youtu.be/BtIwGldr9rY 🔹CREDIT CARDS 101: Credit Card Statement Explained https://youtu.be/673wTGi78ts 🔹CREDIT CARDS 101: Does Closing a Credit Card Hurt Your Credit Score? https://youtu.be/UcWqixdQk30 🔹CREDIT CARDS 101: How Often To Apply For Credit Cards https://youtu.be/2p7egp0iz9M 🔹CREDIT CARDS 101: How To Use Credit Cards To Build Credit https://youtu.be/nMJwmeWptVQ Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards101 #creditcardsforbeginners #creditcards 2022-09-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343289/the-most-valuable-credit-card-points-earn-these https://gamma.videonest.org/343289_thumbnail_resized_v2.webp https://gamma.videonest.org/343289_video_v3.mp4 The MOST VALUABLE Credit Card Points (Earn These!) What are credit card points worth (and which ones are best)? Let’s take a look at the most valuable points from different credit card programs, including airline miles and hotel points! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese There are SO MANY different credit card rewards, airline miles, and hotel point currencies out there, so it can be difficult to choose which one(s) to earn! This video will look at the MOST VALUABLE rewards points and miles across the top loyalty programs to help you identify which ones could give you the best value (and therefore save money on travel)! Of course, subjectivity is involved here. Many of the rewards programs have variable and dynamic pricing, meaning they can change at any time and can differ not only from one program to another, but also from one itinerary to another. That’s why we usually mention average values when it comes to “what are points and miles worth?” In general, the MOST VALUABLE points are those that are transferrable AND flexible. Transferrable means you can convert them into airline miles or hotel points of other partner programs. Flexible means you can also redeem them via the bank portal (e.g. Chase Ultimate Rewards portal, Amex Travel Portal) at a fixed value for any type of travel: flights, hotels, rental cars, etc. This means that the overall most valuable programs tend to be: 1. Chase Ultimate Rewards Points 2. Amex Membership Rewards Points 3. Citi ThankYou Points 4. Capital One Venture Miles All of those 4 are transferrable and flexible. Keep in mind that Chase Transfer Partners, Amex Transfer Partners, Citi Transfer Partners, and Capital One Transfer partners have some that overlap and others that are unique. We’ll also take a look at purely flexible points (i.e. redeem for travel but not via transfer partners) as well as some of the most valuable airline miles and hotel points. PLUS, we’ll also discuss HOW TO EARN all of these valuable points and miles so you can put together a strategy of your own! And yes, that includes going over some of the best credit cards for travel, which include… - Chase Sapphire Reserve - Chase Sapphire Preferred - Amex Platinum Card - Amex Gold Card - Amex Green Card - U.S. Bank Altitude Reserve Card - Various airline credit cards - Various hotel credit cards 🎬 MORE CREDIT CARD VIDEOS 🔹7 BEST Amex Platinum Card Benefits! (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Chase Sapphire Preferred Review: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred: https://youtu.be/YrxI037gJOg 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/iF07TX7MH8Y Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #bestcreditcards #travelcreditcards #creditcards 2022-09-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343290/i-canceled-my-amex-business-platinum-card https://gamma.videonest.org/343290_thumbnail_resized_v2.webp https://gamma.videonest.org/343290_video_v3.mp4 I Canceled My Amex Business Platinum Card... The Amex Platinum Cards have BIG annual fees and require you to use a bunch of credits to get good value. The business benefits didn’t make sense for me anymore, so it’s time to CANCEL. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese American Express credit cards offer a ton of value for certain types of people. Lately, a number of Amex cards have been getting annual fee increases along with additional benefits. Many of those benefits come in the form of credits valid at select partner merchants (e.g. Dell, Adobe, Indeed, etc.). So, if you wouldn’t normally spend at those businesses, then the current annual fee of $695 could be difficult to justify. While the Amex Business Platinum Card did provide me with good value over the past cardmember year, especially with the Dell credits, I don’t see the same value for the next year. So, I asked for an Amex retention offer to see if there’d be a way to justify paying the annual fee for the next year. Unfortunately, I only received a $100 statement credit. After running the numbers, I’d still end up paying Amex in order to keep the account open, so it made the most sense to close it and move on. Keep in mind that Amex retention offers can vary from one person to another (i.e. overall account) and one card to another. They’re also targeted and not guaranteed, so it can still be worthwhile to ask at least once per year if an offer is available. That way if you’re on the fence about canceling your credit card, you can at least explore more options before taking that action. Also bear in mind that product changes (e.g. downgrading to a credit card with a lower annual fee or upgrading to a more premium credit card) can be another option. For the purposes of this situation, my downgrade options from the Amex Business Platinum Card were the Amex Business Gold Card and the Amex Business Green Card. However, I already have the Gold and the Green isn't a rewarding card. 🎬 MORE CREDIT CARD VIDEOS 🔹7 BEST Amex Platinum Card Benefits 2022! (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review 2022: https://youtu.be/iF07TX7MH8Y Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexplatinum #amexcreditcards 2022-08-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343291/warning-marriott-charging-fees-to-redeem-points-reward-redemption-charge-or-select-properties https://gamma.videonest.org/343291_thumbnail_resized_v2.webp https://gamma.videonest.org/343291_video_v3.mp4 WARNING: Marriott Charging Fees to REDEEM Points! (Reward Redemption Charge | Select Properties) Are you staying at a Marriott hotel? Check your bill before you leave! You could be hit with a Reward Redemption Charge for redeeming your Marriott Bonvoy points or Marriott Free Night certificate. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗 View From The Wing Blog Post - Marriott Hotel Tries To Charge Guests 2% For Paying With A Credit Card. Will It Fly? https://viewfromthewing.com/marriott-hotel-tries-to-charge-guests-2-for-paying-with-a-credit-card-will-it-fly/ 🔗 One Mile At A Time Blog Post - Ridiculous: This Marriott Hotel Charges Fee To Use Points (Update) https://onemileatatime.com/marriott-redemption-service-charge/ 🔗 The Points Guy Blog Post - More reports of Marriott properties adding improper redemption surcharges — here’s how to check if you’ve been affected https://thepointsguy.com/news/incorrect-redemption-surcharge-marriott-points/ 🔗 MilesTalk Blog Post - Marriott Bonvoy Award Redemption Fee? https://milestalk.com/marriott-bonvoy-award-redemption-fee/ Since at least mid-2021, a number of people have reported seeing fees charged to their Marriott hotel folios upon checkout. The line item is listed as “Rm Chrg - Reward Redemption” and may appear when you redeem Marriott Bonvoy points or a Marriott Free Night Award certificate for your stay. This fee is different from a hotel resort fee or a hotel destination fee and may appear for every night of your stay. I recently stayed at the Sheraton Denver Downtown hotel and saw this “Rm Chrg - Reward Redemption” on my hotel bill for $43.00. Fortunately, the hotel staff said it was an error and removed it without any hassle, and also mentioned that it shouldn’t have appeared in the first place. Per a statement received by The Points Guy via a Marriott spokesperson back in December 2021, “A situation like this is typically due to a clerical error by the property as in this case. If this occurs, members should contact the front desk and/or the manager on duty to have it corrected and removed from their folio.” Furthermore, the TPG blog post included the following, “While Marriott wouldn’t confirm exactly what those charges were, industry experts told TPG that they’re most likely related to the fee Marriott corporate is paying the hotel for the award stay.” Perhaps this charge had something to do with that reimbursement to the Sheraton Denver Downtown (i.e. the owners of the property) from Marriott corporate (i.e. the loyalty program) since hotels do receive compensation for free night redemptions as mentioned above. Regardless, always be sure to check your hotel bill upon checkout to make sure erroneous fees were not charged. You can find your Marriott hotel bill online by doing the following: 1. Log into your Marriott Bonvoy account 2. Click on your name in the upper right-hand corner (i.e. to access the Main Menu) 3. Select the Activity tab 4. Scroll down until you see the itemized breakdown of your most recent stay. It should have a ‘Download’ link to retrieve your hotel bill. 🎬 MORE CREDIT CARD VIDEOS 🔹 Marriott Credit Card Eligibility Rules: https://youtu.be/pzGmeB3S7Kg 🔹 I Got DENIED by Chase (How I Got Approved Anyway): https://youtu.be/rIFFv64TETw 🔹Chase Sapphire Preferred $50 Hotel Credit (How to Use It): https://youtu.be/pkjAZmWq21U 🔹16 Hotel Credit Cards With Free Nights: https://youtu.be/yHa9RYlkwh0 🔹Amex Platinum $200 Hotel Credit (How to Use It): https://youtu.be/gOM8LYQIJ18 🔹Hilton Honors Aspire Card Review: https://youtu.be/zrxOfS4FNEo 🔹Hilton Honors American Express Card Review (No annual fee travel card): https://youtu.be/UcE90WfK4po Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #marriottbonvoy #marriottcreditcard #hotelcreditcard 2022-08-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343292/watch-me-apply-citi-premier-card-80000-points https://gamma.videonest.org/343292_thumbnail_resized_v2.webp https://gamma.videonest.org/343292_video_v3.mp4 *WATCH ME APPLY* Citi Premier Card (80,000 Points!) The Citi Premier Card is offering 80,000 POINTS for a limited time. Watch me apply to see what happens (PLUS: Will the “Citi 6 Inquiry Rule” apply to me?!) Click “Show More” to see Ad Disclosure. 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offer 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔗 DOCTOR OF CREDIT BLOG POST - Does Citi Deny You If You Have 6 Or More New Inquiries From One Credit Bureau Within Six Months?: https://www.doctorofcredit.com/citi-deny-6-new-inquiries-one-credit-bureau-within-six-months/ The Citi Premier Card is one of the best travel credit cards available right now and competes against other credit cards like the Amex Green Card, Amex Gold Card and the Chase Sapphire Preferred. And while it has an elevated welcome bonus for a limited time, it’s a great time to apply! There’s also been some discussion about the “Citi 6 Inquiry Rule,” whereby Citi will deny a credit card application if you have 6 or more inquiries within the past 6 months on the credit report they pull (I accidentally thought it was the past 12 months in the video). It’s apparently a soft rule, meaning it may not be applied all the time. If you get denied for that reason, you may also be able to call the Citi Reconsideration Line and request they pull a different credit report that has a lower inquiry count. That could be a way to turn a denial into an approval. At the time of applying for the Citi Premier Card, I’ve got 6 hard inquiries on my Experian credit report (and I had a good feeling that Citi would pull Experian for my application). So, this application will also be a test of whether or not this 6 Inquiry Rule will be applied to my situation. Let’s see what happens! Here’s some more info about the Citi Premier Card… SIGNUP BONUS Earn 80,000 Citi ThankYou Points after spending $4,000 in the first 3 months. Value = $800 towards gift cards, cash back, or travel. EARN CITI THANKYOU POINTS 3X Flights 3X Hotels 3X Restaurants 3X Supermarkets 3X Gas Stations 3X Travel Agencies 1X Everything Else ANNUAL FEE $95 CITI TRANSFER PARTNERS Aeromexico Club Premier Air France-KLM Flying Blue Avianca LifeMiles Cathay Pacific Asia Miles Emirates Skywards Etihad Guest EVA Air Infinity MileageLands Jet Airways JetPrivilege / InterMiles JetBlue TrueBlue Malaysia Airlines Enrich Qantas Frequent Flyer Qatar Airways Privilege Club Singapore Airlines KrisFlyer Thai Airways Royal Orchid Plus Turkish Airlines Miles&Smiles Virgin Atlantic Flying Club CITI PREMIER CARD BENEFITS - $100 Annual Hotel Savings Benefit: Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through thankyou.com or 1-800-THANKYOU. This benefit will be available to you once per calendar year. - No Foreign Transaction Fees - Shop With Points: Use points during checkout at Amazon.com & BestBuy.com (0.8¢ per point value…not ideal) CITI TRIFECTA Here are some Citi credit cards that go well with the Citi Premier Card. You can use them to create a multi-card setup (e.g. Citi Trifecta of 3+ cards) to earn points faster by covering different rewards categories. - Citi Custom Cash Card - Citi Double Cash Card - Citi Rewards+ Card | Citi Rewards Plus Card - Citi Premier Card (currently discontinued to new applicants) 🎬 MORE CREDIT CARD VIDEOS 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022 | Amex Gold Card Review: https://youtu.be/iF07TX7MH8Y Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcardapplication #travelcreditcards #bestcreditcards 2022-08-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343293/the-6-worst-amex-transfer-partners-avoid-these https://gamma.videonest.org/343293_thumbnail_resized_v2.webp https://gamma.videonest.org/343293_video_v3.mp4 The 6 WORST Amex Transfer Partners (Avoid These!) Amex transfer partners can be a GREAT way to redeem Amex points, BUT some transfer partners often lead to BAD VALUE. Learn which ones you should avoid (and why). Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO: Beginner’s Guide to Transfer Partners for BIG VALUE (Amex, Chase, Citi, Capital One Credit Cards) https://youtu.be/ae1WayyrwnE VALUE OF AMEX POINTS | What Are Amex Points Worth? 1. In general and on average, Amex points are worth 1.7¢ per point when using Amex transfer partners (example: 10,000 points = $170). However, these types of redemptions are normally achieved with international airlines in a premium cabin during a long-haul flight. 2. For hotels, car rentals, cruises & vacations booked through the Amex Travel Portal, Amex points are worth a flat rate of 0.7¢ per point (example: 10,000 points = $70). 3. For flights booked through the Amex Travel Portal and for luxury hotels booked through the Amex Fine Hotels and Resorts program, Amex points are worth a flat rate of 1.0¢ per point (example: 10,000 points = $100). For the purposes of this video, we’ll use 1 Amex Point = 1.7¢ for comparison to other programs. The 6 Amex Transfer Partners you should likely AVOID are as follows… 1. Hilton Honors (1:2) - Hilton Honors points are worth 0.5¢ on average and the program also has dynamic pricing. 2. Marriott Bonvoy (1:1) - Marriott Bonvoy points are worth 0.7¢ on average and the program also has dynamic pricing. 3. Choice Privileges (1:1) - Choice Privileges points are worth 0.6¢ on average. 4. JetBlue True Blue (1:1) - JetBlue points are worth 1.3¢ on average and the program also has 2 major limiting factors that prevent you from getting big, outsized value: (a) It’s a revenue-based rewards program (b) It’s a U.S. airline subject to the Amex Excise Tax Offset Fee. 5. Delta Air Lines (1:1) - Delta SkyMiles are worth 1.1¢ on average. The program is also subject to dynamic pricing and it’s a U.S. airline subject to the Amex Excise Tax Offset Fee. 6. Hawaiian Airlines (1:1) - Hawaiian miles are worth 1.0¢ on average. The loyalty program is semi-dynamic in that it has region-based redemption ranges that can vary by demand and fare class. Again, it’s a U.S. airline subject to the Amex Excise Tax Offset Fee. EXCEPTIONS 1. You’ve done the math & it makes sense. 2. You need to ‘top off’ your balance in another program. 3. A limited-time transfer bonus is available (and you’ve done the math & it makes sense). 4. You’re transferring Amex points into miles on Airline A at a loss / breakeven / gain, and then will use those miles to fly on partner Airline B at a GAIN compared to the average Amex point value. AMEX CREDIT CARDS WITH TRANSFER PARTNERS (Hint: if they earn Amex Membership Rewards points, then they have access to Amex transfer partners) - Amex Centurion Card | Amex Black Card (plus the business versions) - Amex Platinum Card (plus the business version) - Amex Gold Card (plus the business version) - Amex Green Card (plus the business version) - Amex Everyday Preferred Card - Amex Everyday Card 🎬 MORE CREDIT CARD VIDEOS 🔹How to Use Chase Ultimate Rewards Points: https://youtu.be/qGUHe0xfKFk 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022?! (Amex Gold Card Review): https://youtu.be/iF07TX7MH8Y 🔹How to Use Priority Pass (Beginner’s Guide): https://youtu.be/mP1zEyWdf8o Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexcreditcards #amexpoints 2022-08-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343294/how-to-calculate-your-chase-524-rule-status-3-ways https://gamma.videonest.org/343294_thumbnail_resized_v2.webp https://gamma.videonest.org/343294_video_v3.mp4 How to Calculate YOUR Chase 5/24 Rule Status (3 Ways) Want an easy way to calculate your Chase 5/24 Rule standing? I’ll show you the BEST way I’ve seen so far so you can better determine when to apply for your next Chase credit card! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO - Chase 5/24 Rule Explained https://youtu.be/muJEN8C86JY WHAT IS THE CHASE 5/24 RULE? (Chase 5/24 Rule Explained) Chase will automatically deny a credit card application if you’ve opened 5 or more cards with any bank in the last 24 months that appear on your credit report. This includes closed credit card accounts within the past 24 months. So say you’ve opened 2 Citi credit cards (like the Citi Custom Cash and the Citi Double Cash), plus 2 American Express credit cards (like the Amex Gold Card and Amex Platinum Card), plus 1 Chase credit card (like the Chase Sapphire Preferred). In total, that’s 5 credit card accounts across all issuers. If you’ve opened all of those in the past 24 months, then you’ll need to wait until your ‘count’ is 4 credit cards or fewer within your current 24-month look-back period. HOW TO CHECK CHASE 5/24 STATUS While you can use apps or programs like Credit Karma, Credit Journey by Chase, and others, I’ve found the easiest way is to use the Experian mobile app (with a free Experian account). Simply follow these steps: 1. Sign up for a free Experian account 2. Download the mobile app & log in 3. View all cards from newest to oldest (use the ‘Views’ feature in the top right corner) 4. Count the credit cards you’ve opened in the last 24 months The Experian app makes it very easy to see your credit cards by year, in order, and with the exact Open Date displayed in 1 scrollable list. DO BUSINESS CARDS COUNT TOWARDS 5/24? Almost always no. As long as they do not appear on your personal credit report, then business credit cards will not count towards 5/24. Known exceptions of business credit cards that do report to the personal side include Discover and TD Bank. ALSO NOTE... The date you’re ‘officially’ below the Chase 5/24 Rule will likely not be the exact date your card turns 2 years old. Rather, it’s recommended to wait at least until the 1st day of the next month after your card’s 2-year anniversary. That way you allow extra time for your credit report to update. Personally, I like to wait closer to 1 month to ensure that both my credit report and Chase’s system are completely up to date. 🎬 MORE CREDIT CARD VIDEOS 🔹How to Use Chase Ultimate Rewards Points: https://youtu.be/qGUHe0xfKFk 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022?! (Amex Gold Card Review): https://youtu.be/iF07TX7MH8Y Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasecreditcards #bestcreditcards #travelcreditcards 2022-08-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343295/beginners-guide-to-transfer-partners-for-big-value-amex-chase-citi-capital-one-credit-cards https://gamma.videonest.org/343295_thumbnail_resized_v2.webp https://gamma.videonest.org/343295_video_v3.mp4 Beginner’s Guide to Transfer Partners for BIG VALUE (Amex, Chase, Citi, Capital One Credit Cards) Want to learn how to use credit card transfer partners for BIG VALUE? Master the fundamentals FIRST so you can better redeem your Amex points, Chase points, Citi points, and Capital One miles and save money on travel! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese If you’ve ever wondered… - How to redeem Amex Points for maximum value - How to redeem Chase points for maximum value - How to redeem Citi points for maximum value - How to redeem Capital One miles for maximum value They all have a common answer… - TRANSFER PARTNERS! Let’s talk about them and why they’re so great. Video Outline 0:00 Introduction 0:43 What Are Transfer Partners? 1:24 Which Rewards Programs Have Transfer Partners 1:53 Which Credit Cards Earn Transferrable Points 3:09 Steps to Use Transfer Partners 8:25 13 Things to Know PART 1: WHAT ARE TRANSFER PARTNERS? - Companies that partner with banks to allow you to transfer points from 1 program to another - This allows you massively diversify your rewards & hedge against devaluations - This gives you more options, greater flexibility, and potential for higher value PART 2: WHICH REWARDS PROGRAMS HAVE TRANSFER PARTNERS - American Express Membership Rewards - Chase Ultimate Rewards - Citi ThankYou Points - Capital One Venture Miles / Spark Miles - Bilt Rewards Points PART 3: WHICH CREDIT CARDS EARN TRANSFERRABLE POINTS American Express Membership Rewards Points - Amex Centurion Card - Amex Platinum Card - Amex Gold Card - Amex Green Card - Amex EveryDay - Amex EveryDay Preferred - Amex Blue Business Plus NOTE: Amex business cards & corporate cards are included. Chase Ultimate Rewards Points - Chase Freedom Unlimited - Chase Freedom Flex - Chase Freedom Student - Chase Sapphire Preferred - Chase Sapphire Reserve - Chase Ink Business Unlimited - Chase Ink Business Cash - Chase Ink Business Preferred Citi ThankYou Points - Citi Rewards+ - Citi Double Cash - Citi Custom Cash - Citi Premier Card - Citi Prestige Card Capital One Miles - Capital One VentureOne - Capital One Venture - Capital One Venture X - Capital One Spark 1.5X Miles Select - Capital One Spark 2X Miles - Capital One Spark Travel Elite Bilt Rewards Alliance - Bilt World Elite Mastercard PART 4: STEPS TO USE TRANSFER PARTNERS 1. Create a free rewards account with the partner program FIRST. Get your Member ID. 2. Log into your bank account. Go to rewards portal. 3. Choose transfer partner redemption option. - Chase = Transfer to Travel Partners - Amex = Transfer Points - Citi = Points Transfer - Capital One = Convert Rewards 4. Select airline or hotel program, then enter your Member ID & the number of points you want to transfer. 5. Confirm & submit. PART 5: 13 THINGS TO KNOW - See video for details 🎬 MORE CREDIT CARD VIDEOS 🔹How to Use Chase Ultimate Rewards Points: https://youtu.be/qGUHe0xfKFk 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022?! (Amex Gold Card Review): https://youtu.be/iF07TX7MH8Y Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcardtransferpartners #amexplatinum #chasecreditcards 2022-08-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343296/ihg-premier-unboxing-plus-compared-to-ihg-business-credit-card https://gamma.videonest.org/343296_thumbnail_resized_v2.webp https://gamma.videonest.org/343296_video_v3.mp4 IHG PREMIER Unboxing! (Plus: Compared to IHG Business Credit Card) I received my IHG Rewards Premier Credit Card in the mail and now it’s time for an unboxing! See if it’s a plastic or metal credit card, plus comparisons of the IHG Premier vs. IHG Business. Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 I Got DENIED by Chase (How I Got Approved Anyway): https://youtu.be/rIFFv64TETw The IHG Rewards program (now called IHG One Rewards) underwent a massive overhaul, and along with that came new IHG credit cards: the IHG Traveler, IHG Premier, and the IHG Premier Business. After being initially denied for the IHG Premier Credit Card and getting the decision turned around via the Chase Reconsideration Line, I got APPROVED! It came via standard mail, and now I’ll be doing an IHG Premier unboxing video to show you what the card looks like, plus a drop test, weight test, and comparison to the IHG Business Card. Why I Got the IHG Premier Credit Card: 1. Initial welcome offer of 140,000 IHG points, plus a Free Night worth up to 40,000 points. Unfortunately, the free night as part of the bonus cannot be topped off with points. 2. Annual Free Night Award: The IHG Premier also gives you an anniversary free night certificate worth up to 40K points. This one CAN be used with points for a higher-value redemption at IHG hotels. 3. Point Multipliers: The card earns 10X points on paid IHG hotel stays. The IHG One Rewards program also issues 10X points for simply being a member. Then, if you have IHG elite status, that would be a 3rd layer of earning. Since the card offers automatic IHG Platinum Elite Status for a 60% bonus (i.e. an additional 6X points per dollar), the total you can earn is 26X points on your paid stays. That’s an awesome way to earn free nights quickly! 4. Top Off My IHG account: If I wanted to redeem for a property costing 60K points but only had 50K points in my IHG account, then I could simply pull out my IHG credit card & use it for everyday purchases. That’s a great way to earn the incremental amount of points needed for a trip rather than buying points at a premium. 🎬 MORE CREDIT CARD VIDEOS 🔹 I Got DENIED by Chase (How I Got Approved Anyway): https://youtu.be/rIFFv64TETw 🔹Chase Sapphire Preferred $50 Hotel Credit (How to Use It): https://youtu.be/pkjAZmWq21U 🔹16 Hotel Credit Cards With Free Nights: https://youtu.be/yHa9RYlkwh0 🔹Amex Platinum $200 Hotel Credit (How to Use It): https://youtu.be/gOM8LYQIJ18 🔹Hilton Honors Aspire Card Review: https://youtu.be/zrxOfS4FNEo 🔹Hilton Honors American Express Card Review (No annual fee travel card): https://youtu.be/UcE90WfK4po Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #ihgcreditcard #travelcreditcards #chasecreditcards 2022-08-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343297/i-found-the-worst-credit-cards-avoid-these https://gamma.videonest.org/343297_thumbnail_resized_v2.webp https://gamma.videonest.org/343297_video_v3.mp4 I Found the WORST Credit Cards (Avoid These!) Here are my TOP PICKS for the WORST CREDIT CARDS of the year across 6 different categories. Learn why they’re bad so you can avoid getting them (and other credit cards like them). “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese There are MANY credit cards to choose from. We can talk about the best credit cards for cash back or the best credit cards for travel or the best credit cards for beginners. All of those topics are GREAT to help you identify cards that could be worth adding to your wallet. However…it’s also important to identify the credit cards to AVOID. That way you’ll know if the interest rates or annual fees are too high, if the rewards offer bad value, and if the benefits don’t have a strong value proposition. I broke this video down into 6 separate categories to identify the worst credit card in each one: 1. The Worst Credit Card for Financial Health 2. The Worst Luxury Credit Card/ Worst Premium Credit Card 3. The Worst Airline Credit Card 4. The Worst Hotel Credit Card 5. The Worst Cash Back Credit Card 6. The Worst Store Credit Card In each section, I explain why the credit cards are not worth getting and also offer some tips as to which credit cards you may want to get instead. A few examples of some of the BEST credit cards for travel (plus a few that work for cash back, too) include… 1. Chase Sapphire Preferred for a low-fee travel card 2. Chase Sapphire Reserve for a premium travel credit card with easy-to-use rewards 3. Amex Green Card and Wells Fargo Autograph Cards for an all-in-one card setup 4. Amex Gold Card for dining and grocery spend 5. Amex Platinum Card for a premium travel credit card (and one of the best credit cards for lounge access) 6. Citi Premier Card as a great credit card to earn travel rewards at home within some very useful categories like groceries, gas, and restaurants 7. U.S. Bank Altitude Reserve Card as one of the best credit cards for mobile wallet purchases, including at Costco and Target 8. Chase Freedom Flex and Chase Freedom Unlimited Cards for cash back and/or completing a Chase Trifecta setup 9. Citi Custom Cash Card as an awesome flexible rewards credit card that can give you 5X points in different categories every billing cycle 10. Citi Double Cash Card or Wells Fargo Active Cash Card as a solid option to earn 2% cash back on all purchases (i.e. a solid non-category / non-bonus spend card … also called catch-all credit card) 11. Capital One Venture X for a premium travel credit card with one of the lowest annual fees, plus benefits that are easy to maximize (including Priority Pass lounge access, Capital One Lounge access, a $300 travel credit to be used via the Capital One Travel portal, and 10,000 bonus points each account anniversary) 🎬 MORE CREDIT CARD VIDEOS 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo 🔹CREDIT CARDS 101: When To Pay Credit Card Bill To Increase Credit Score: https://youtu.be/BtIwGldr9rY 🔹CREDIT CARDS 101: How Often To Apply For Credit Cards: https://youtu.be/2p7egp0iz9M 🔹How to Make a BUDGET ON EXCEL For Beginners: https://youtu.be/3vkabK9u0qA 🔹Amex Points 101 – How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹HOW TO USE CHASE ULTIMATE REWARDS (Best Way To Redeem Chase Ultimate Rewards Points): https://youtu.be/qGUHe0xfKFk 🔹Amex Platinum Card Review: https://youtu.be/IaLBFpQj-eE 🔹7 BEST Amex Platinum Card Benefits (How to Use Them): https://youtu.be/bz74ofQKM2s Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #worstcreditcards #creditcards101 #creditcardsforbeginners 2022-08-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343298/7-amex-sign-up-bonus-hacks-learn-these https://gamma.videonest.org/343298_thumbnail_resized_v2.webp https://gamma.videonest.org/343298_video_v3.mp4 7 Amex Sign Up Bonus HACKS (Learn These!) Amex credit cards are awesome BUT trying to get the best Amex signup bonus can be frustrating. Here are 7 Amex credit card HACKS to get better value when applying for your next Amex card. “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗FREQUENT MILER BLOG POST – Bending Amex’s Lifetime Rule https://frequentmiler.com/bending-amexs-lifetime-rule/ 🔗MILES TO MEMORIES BLOG POST – Amex Welcome Offer Dilemma? Why You Should Apply Now Even If A Denial Is Expected https://milestomemories.com/american-express-welcome-offer/ American Express cards can provide fantastic value both for cash back rewards or travel rewards in the form of Amex Membership Rewards points. Here are 7 hacks to help you get more value with Amex signup bonuses: 1. Clear cache / use incognito or private browser windows. Then, go to the Amex website and browse offers (or copy & paste an Amex referral link into the browser). This will make it look like you’re visiting Amex’s site for the first time and hopefully you’ll see elevated offers. 2. Amex No Lifetime Language Offers (NLL Offers). When targeted, you may see offers that do not have the following text: “The welcome offer, intro APRs, and intro plan fees are not available to applicants who have or have had this card.” That’s the Amex lifetime language, and if it’s not present, then you may be able to get the welcome offer again. 3. Amex Popup Window / Amex Popup Jail: Amex will let you know if you’re ineligible for a welcome offer BEFORE a credit check is performed. If you DO receive the pop-up, you can Cancel the Application. If you DO NOT receive the pop-up, you can Continue & Submit. If you get approved, you can receive / earn the offer. 4. Amex Lifetime Rule: Amex may only have a 5-year look-back period. If you’ve had a certain card before, then normally you’d be ineligible to get the welcome bonus again. However, if 5 or so years have passed, you could submit an Amex credit card application for the same card & see if you can get approved. Remember, the Amex popup window is your friend :D 5. Refer Your Player 2: Use the Amex Refer A Friend opportunity. Once you get an Amex credit card, you’ll have access to your own referral links. Send them to your Player 2. If they get approved, they’ll get their own signup bonus AND you’ll get a referral bonus. This is a great way to earn Amex points FAST! 6. Check Multiple Channels: Amex is known to show different offers via different marketing channels. So, be sure to check your direct mail, email, online website, referral links, pop-ups that may show within your Amex account, banner ads, partner websites (like Resy.com), etc. 7. Maxed-Out Denial to Approval Method: There’s a lot to explain with this one (watch the video for details) :D 🎬 MORE CREDIT CARD VIDEOS 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo 🔹Amex Green Card Review: https://youtu.be/XRPqj2twpXQ 🔹HUGE UPDATE – Amex Blue Cash Everyday (New Benefits): https://youtu.be/vRV5CsjGgRo 🔹Amex Points 101 – How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #bestamexcards #amex 2022-08-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343299/revealing-my-first-amex-credit-card https://gamma.videonest.org/343299_thumbnail_resized_v2.webp https://gamma.videonest.org/343299_video_v3.mp4 Revealing My FIRST Amex Credit Card! I’m revealing the FIRST American Express credit card I ever got back in 2013! Check out the rewards, benefits, and more to see where my Amex journey began nearly 9 years ago! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗AMEX WEBSITE - Benefits of Amex Blue Sky Card: https://global.americanexpress.com/card-benefits/view-all/blue-sky 🔗MY BANK TRACKER ARTICLE - Blue Sky from American Express Credit Card Review: https://www.mybanktracker.com/credit-cards/expert-reviews/blue-sky-preferred-american-express-card-review-262515 🔗UPONARRIVING BLOG POST - Review: Blue Sky From American Express https://www.uponarriving.com/2017/07/19/review-blue-sky-american-express-card/ There are a TON of American Express credit cards available today, some of the best and most known are: - Amex Platinum Card - Amex Gold Card - Amex Green Card - Amex Blue Cash Preferred Card - Amex Blue Cash Everyday Card - Amex Everyday Credit Card - Amex Everyday Preferred Credit Card - Amex Cash Magnet Card - Amex Blue Business Plus Card Despite all of the great Amex cards today, my FIRST Amex card is actually no longer available (it was discontinued a number of years ago). It was called the Blue Sky from American Express Card. Here’s some information about it! Welcome Bonus - Usually the card had no signup bonus, but occasionally you could earn 7,500 bonus points after spending $1,000 in the first 3 months. The value of those points was $100 towards travel purchases as a statement credit. Rewards - Earning - Earn 1 point per dollar spent, that’s it! Rewards - Redeeming - There were a variety of different redemption options. The highest value option was for travel via statement credit, where 7,500 points = $100 (i.e. 1.33¢ per point). Other options included gift cards, merchandise, and cash back, all of which were a lower value, often between 0.72¢ – 0.77¢ per point. You also had to redeem in 7,500-point increments and do so within 6 billing cycles of the charge(s) posting to your account. Furthermore, you could not convert the rewards into Amex Membership Rewards points, or vice versa. Annual Fee - None Foreign Transaction Fees - Yes, 2.7% Insurance, Protections & Other Benefits - Car rental loss and damage insurance - Access to the Global Assist hotline - Roadside Assistance - Travel accident insurance - Extended warranty protection - Return protection - Purchase protection - Free 2-day shipping at selected merchants through ShopRunner 🎬 MORE CREDIT CARD VIDEOS 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo 🔹Amex Green Card Review: https://youtu.be/XRPqj2twpXQ 🔹HUGE UPDATE – Amex Blue Cash Everyday (New Benefits): https://youtu.be/vRV5CsjGgRo 🔹Amex Points 101 – How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexplatinum #amexgold 2022-07-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343300/how-to-use-priority-pass-beginners-guide https://gamma.videonest.org/343300_thumbnail_resized_v2.webp https://gamma.videonest.org/343300_video_v3_converted.mp4 How to Use PRIORITY PASS (Beginner’s Guide) Learn how to use Priority Pass to access airport lounges, restaurants, and more! I’ll compare all the best credit cards for lounge access within the Priority Pass network so you can find the right one for you! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗FREQUENT MILER ARTICLE - Priority Pass finally beginning to allow payment cards for lounge entry: https://frequentmiler.com/priority-pass-finally-beginning-to-allow-payment-cards-for-lounge-entry/ WHAT IS PRIORITY PASS? Priority Pass is an independent airport lounge access program that includes access to participating: - Airport lounges - Airport restaurants, cafes, markets - Airport spas There are currently 1,300+ locations in 600 cities across 148 countries and growing! The majority of the lounges (90% or more) are located outside of the U.S. WHEN CAN YOU USE PRIORITY PASS? You can… - Use any participating location - Fly with any airline - Fly any ticket class - You do not need elite status - Entry restrictions may vary. Check the Priority Pass app. PRIORITY PASS BENEFITS & AMENITIES Amenities may vary by lounge. - Complimentary refreshments, incl. alcohol - Complimentary food & snacks - Space to work or wind down - Free Wi-Fi & charging points - Comfortable seats & quiet spaces - Conference rooms, showers & other facilities - Access to exclusive retail, dining, spa and sleeping options HOW TO USE PRIORITY PASS 1. Enroll in the benefit if you got it from a credit card (via online bank portal or call # on back of card) 2. Activate your membership at PriorityPass.com 3. Find a location via Priority Pass website or app 4. Enter lounge & show the following at front desk: - Membership card (physical, digital) or linked payment card if eligible - Boarding pass - ID if requested PRIORITY PASS RESTAURANTS (CREDIT) - Receive discounts at participating locations. - Typically, $28 off total bill per person - Maximum 2 people: Cardholder + 1 guest for a $56 total discount - Show your Priority Pass membership card & same-day boarding pass - Cardholder is responsible for additional charges HOW TO GET PRIORITY PASS 1. Purchase directly at PriorityPass.com 2. Get it included with select credit cards (Priority Pass Select). Some of the best credit cards for lounge access with Priority Pass include: - Amex Platinum Card - Amex Business Platinum Card - Chase Sapphire Reserve - Capital One Venture X - Marriott Bonvoy Brilliant Card - Hilton Honors Surpass Card - Hilton Honors Business Card - Hilton Honors Aspire Card - U.S. Bank Altitude Reserve - Bank of America Premium Rewards Elite Credit Card - Citi Prestige Card - Ritz Carlton Credit Card 🎬 MORE CREDIT CARD VIDEOS 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #prioritypass #airportlounge #amexplatinum 2022-07-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343301/i-got-denied-for-a-chase-credit-card-how-i-got-approved-anyway https://gamma.videonest.org/343301_thumbnail_resized_v2.webp https://gamma.videonest.org/343301_video_v3.mp4 I Got DENIED for a Chase Credit Card (How I Got Approved Anyway) I applied for the IHG Premier Credit Card and was DENIED! However, I ultimately got the decision turned around into an approval by calling the Chase reconsideration line. Here’s what happened! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese REASONS FOR MY CHASE CREDIT CARD DENIAL… 1. You have too many active accounts or too much available credit (Previously I had 6 Chase credit cards on the personal side) 2. One or more credit cards have a high balance compared to the credit line 3. Insufficient installment loan information 4. One or more recent requests for new credit (Most recent was about 1.5 weeks prior as I was going for 2 Chase credit card approvals in 1 month) WHICH CREDIT BUREAU DID CHASE USE? - Chase used Experian for my personal credit card (IHG Rewards Premier Credit Card). However, Chase may pull a different bureau based on location, and they may also pull 2 reports. WHICH CREDIT SCORING SYSTEM DID CHASE USE? - Chase used their own “Chase Proprietary Score,” ranging from 250 – 900. MY CREDIT SCORE - 764, based on Chase’s Proprietary Score as of 7.22.2022 KEY FACTORS ADVERSELY AFFECTING CREDIT SCORE 1. Number of credit cards with a balance close to the credit line 2. Insufficient installment loan information 3. Number of requests for new credit in the past 3 months (for me this was 4 inquiries in 3 months) 4. Length of time since last request for a new credit (for me this was around 1.5 weeks) DECISION - Denied at first, but I was able to get approved for the Chase credit card after speaking with the reconsideration line. 🎬 MORE CREDIT CARD VIDEOS 🔹WATCH ME APPLY – IHG Premier Business Credit Card: https://youtu.be/7kUipHbu418 🔹WATCH ME APPLY – IHG Premier Credit Card (Chase 2/30 Rule): https://youtu.be/mt_gZW2jhew 🔹WATCH ME APPLY – Amex Business Credit Card (Amex Blue Business Cash Card): https://youtu.be/19CE600Z9Xg 🔹WATCH ME APPLY – Chase Ink Business Preferred: https://youtu.be/YOfyZk7QcNA 🔹WATCH ME APPLY – Chase Ink Business Cash: https://youtu.be/Qr0p9c_uQLI 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasecreditcards #creditcarddenied #creditcardapplication 2022-07-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343302/watch-me-apply-ihg-premier-credit-card-chase-230-rule https://gamma.videonest.org/343302_thumbnail_resized_v2.webp https://gamma.videonest.org/343302_video_v3.mp4 *WATCH ME APPLY* IHG Premier Credit Card (Chase 2/30 Rule) The IHG Rewards Premier Credit Card is offering 140,000 POINTS + 1 FREE NIGHT valued up to 40K points. Watch me apply for my 2nd Chase credit card in the past 30 days (will the Chase 2/30 Rule affect me?) Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese I decided to apply for the IHG Premier Credit Card for 1 main reason: I wanted another hotel credit card that provided an annual free night certificate. Moreover, I wanted to receive that anniversary free night award roughly at the time as the one from my IHG Premier Business Credit Card (I was approved for that card about 11 days prior). In other words, the goal is to receive 2 IHG free nights every July / August. Rather than waiting another year until July 2023, I decided to go for the card now to see if I could get an approval! Here’s a rundown of some of the card benefits… WELCOME OFFER (July 2022) Earn 140,000 IHG points plus 1 Free Night valued at up to 40K points after spending $3,000 in the first 3 months. Do note that the free night award as part of the welcome bonus CANNOT BE TOPPED OFF with points at this time, BUT the anniversary free night CAN. ANNUAL FEE = $99 EARNING POINTS - 10X IHG Hotels - 5X Travel - 5X Dining - 5X Gas Stations - 3X Other Purchases MAIN BENEFITS (terms apply) - Anniversary Free Night, up to 40K points, plus top off with unlimited IHG points - IHG Platinum Elite Status - IHG Diamond Elite Status after spending $40K - IHG 4th Night Free on award stays - $100 Statement Credit + 10K points each calendar year during which you spend at least $20K on your card - 20% Discount on reward points purchases - Up to $100 statement credit every 4 years for Global Entry, TSA PreCheck, or NEXUS - Up to $50 United Airlines TravelBank Cash each year - DoorDash: 1 year complimentary DashPass membership - Purchase Protection - Trip Cancellation / Trip Interruption Insurance - Baggage Delay Insurance - Lost Luggage Reimbursement - No Foreign Transaction Fees MY CREDIT SCORE / CREDIT REPORT – BEFORE Credit Scores - Experian: 768 (FICO Score 8) - TransUnion: 801 (VantageScore 3.0) - Equifax: 822 (VantageScore 3.0) Inquiries - Experian: 8 - TransUnion: 6 - Equifax: 1 New Accounts - Past 6 months: 1 - Past 12 months: 2 - Past 24 months: 4 Average Age of Accounts - 4 years 3 months Prior Relationship - 6 Personal credit cards - 5 Business credit cards - Personal Chase Checking - Personal Chase Savings WHICH CREDIT BUREAU DOES CHASE USE? - Chase used Experian for my credit card application. Results may vary based on location, and it’s possible that Chase may pull from multiple bureaus for a single application. MY CREDIT SCORE / CREDIT REPORT – AFTER - My Experian credit score decreased from 768 to 763 (-5 points). - My inquiry count on TransUnion went from 8 to 9 (+1). 🎬 MORE CREDIT CARD VIDEOS 🔹Hilton Honors Aspire Card Review: https://youtu.be/zrxOfS4FNEo 🔹16 Hotel Credit Cards With FREE NIGHTS: https://youtu.be/yHa9RYlkwh0 🔹WATCH ME APPLY – IHG Premier Business Credit Card: https://youtu.be/7kUipHbu418 🔹WATCH ME APPLY – Amex Business Credit Card (Amex Blue Business Cash Card): https://youtu.be/19CE600Z9Xg 🔹WATCH ME APPLY – Chase Ink Business Preferred: https://youtu.be/YOfyZk7QcNA 🔹WATCH ME APPLY – Chase Ink Business Cash: https://youtu.be/Qr0p9c_uQLI 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #ihgcreditcard #hotelcreditcards #chasecreditcards 2022-07-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343303/5percent-cash-back-categories-q3-2022-chase-freedom-flex-discover-it-citi-custom-cash-more https://gamma.videonest.org/343303_thumbnail_resized_v2.webp https://gamma.videonest.org/343303_video_v3.mp4 5% CASH BACK CATEGORIES Q3 2022! (Chase Freedom Flex, Discover it, Citi Custom Cash, more!) Here are the 5% Cash Back Categories for Q3 2022. Included are the Chase Freedom Flex card, Discover it Cash Back card, Citi Dividend card, U.S. Bank Cash+ card, and Citi Custom Cash card. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese CREDIT CARD #1: CHASE FREEDOM FLEX - 5% Gas Stations - 5% Rental Car Agencies: Qualifying car rental agency purchases made via Chase Ultimate Rewards earn 5% total. - 5% Movie Theaters - 5% Select Live Entertainment - Note 1: You’ll earn 5% on up to $1,500 in combined spend per quarter. - Note 2: This card earns Chase Ultimate Rewards points. - Activation Link: https://creditcards.chase.com/freedom-credit-cards/flexcalendar CREDIT CARD #2: DISCOVER IT CASH BACK 5% Restaurants - Includes: Purchases made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. 5% PayPal - Includes: Purchases made through the PayPal wallet online, money transfers via PayPal using your card, and point-of-sale transactions using PayPal Here. - Excludes: Payments made through Xoom transfer services - Note: You’ll earn 5% on up to $1,500 in combined spend per quarter. - Activation Link: https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.html CREDIT CARD #3: CITI DIVIDEND CARD 5% Gas Stations - Excludes: Gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code. 5% Home Improvement Stores - Includes: Purchases at home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries – lawn and garden supply stores and paints, varnishes and supplies stores - Excludes: Florists and florists' supply stores; nursery stock; wholesale construction stores; and glass stores. - Note: You’ll earn 5% on up to $6,000 in combined spend per year. - Activation Link: https://www.citi.com/credit-cards/credit-cards-citi/citi.action?ID=dividend-quarterly-offer CREDIT CARD #4: U.S. BANK CASH+ CARD 5% Choice Category (Pick 2) - Furniture Stores - Electronic Stores - Department Stores - Select Clothing Stores - Sporting Goods Stores - Home Utilities - Cell Phone Providers - Gyms / Fitness Centers - Ground Transportation - Movie Theaters - Fast Food - TV, Internet, Streaming 2% Choice Category (Pick 1) - Grocery Stores & Grocery Delivery - Restaurants - Gas Stations & EV Charging Stations - Note: You’ll earn 5% on up to $2,000 in combined spend per quarter. - Merchant List: https://cashplus.usbank.com/merchants - Activation Link: https://cashplus.usbank.com CREDIT CARD #5: CITI CUSTOM CASH CARD 5% Top Eligible Spend Category - Restaurants - Gas Stations - Grocery Stores - Select Travel - Select Transit - Select Streaming Services - Drugstores - Home Improvement Stores - Fitness Clubs - Live Entertainment - Note 1: You’ll earn 5% in the category in which you spent the most, on up to $500 spent per billing cycle. - Note 2: This card earns Citi ThankYou points. Merchant List: https://www.citi.com/credit-cards/citi-custom-cash-credit-card (Scroll down and click on the ‘Additional information’ link) - Activation Link: N/A, calculated automatically. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #citicustomcash #chasefreedomflex #discoveritcashback 2022-07-21T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343304/wells-fargo-autograph-card-review https://gamma.videonest.org/343304_thumbnail_resized_v2.webp https://gamma.videonest.org/343304_video_v3.mp4 Wells Fargo Autograph Card Review! The Wells Fargo Autograph Card is HERE and it’s one of the best cash back credit cards with no annual fee! It’s got a ton of 3X rewards categories plus cell phone protection that you might find a lot of value in. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass In the U.S., we’ve got a lot of great cash back credit card options, including ones with no annual fee. The Wells Fargo Propel American Express Card was a terrific card while it was around, but it was discontinued awhile ago. Now, Wells Fargo is back with the Autograph credit card, which very much resembles the old Propel card, but with a few insurance protections that were eliminated, a new 3X rewards category for phone plans, and it’s also a Visa credit card instead of American Express. Here’s a rundown… WELCOME OFFER (July 2022) - 30,000 Points: Earn after spending $1,500 on purchases in the first 3 months, PLUS 0% Intro APR for 12 months on purchases, then 16.49%, 21.49%, or 26.49% variable. Value = $300. ANNUAL FEE = $0 EARN POINTS - 3X Travel - 3X Transit - 3X Gas - 3X Restaurants - 3X Popular Streaming - 3X Phone Plans - 1X Other Purchases WHAT COUNTS IN EACH CATEGORY? - Travel: airline, hotel/motel, timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds - Transit: passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages - Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations - Restaurants: eating places and restaurants, drinking places, fast food restaurants, and/or caterers - Popular Streaming: cable and other pay television, digital goods, books, movies, music, and continuity/subscription services, as listed at: wellsfargo.com/autographstreaming - Phone Plans: landline and cell phone providers considered telecommunication services REDEEM POINTS - Travel: Flights, Hotels, Car Rentals, more - Cash Back: Statement Credit, Deposit, Check - Other: Gift cards, Pay With Rewards, merchandise, charity, gift points to others, contribute to a Wells Fargo rewards pool, more MAIN BENEFITS - 24/7 Concierge Service: Assistance booking travel, getting event tickets, making dinner reservations, setting golf tee times, and more - Visa Luxury Hotel Collection: Book at VisaSignatureHotels.com | Special perks at upscale / luxury hotels around the world, including - My Wells Fargo Deals: Earn additional cash back (i.e. statement credits) when you shop, dine, or purchase experiences with select merchants. Activation required. - No Foreign Transaction Fees INSURANCE & PROTECTIONS - Cell Phone Protection - Auto Rental Collision Damage Waiver - Travel & Emergency Services Assistance - Roadside Dispatch - Zero Liability Protection Link to learn more: https://www.wellsfargo.com/credit-cards/autograph-visa/guide-to-benefits/?sub_channel=WEB&vendor_code=WF&FPID=0129E0I6P10000&product_code=CC&subproduct_code=AU&cx_nm=CXNAME_CSM SHOULD YOU GET IT? YES if you… - Spend in the 3X categories - Prefer cash back rewards (that also have the same value for travel) - Want a 1-card setup (or want to fill gaps with a multi-card setup that focuses on cash back rewards) - Want rewards that are easy to understand -Want cell phone protection - Prefer credit cards with no annual fee NO if you… - Want travel rewards with strong redemption value - Are building a multi-card setup for travel with cards from other banks - Want transfer partners - Want comprehensive travel protections - Want a card for ‘non-category spend’ 🎬 MORE CREDIT CARD VIDEOS 🔹5 Best Cash Back Credit Cards: https://youtu.be/Fr7bz0bkPfg 🔹Chase Freedom Flex vs Discover it Cash Back: https://youtu.be/mewS6NPw4rc Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #wellsfargo #cashbackcreditcards #bestcreditcards 2022-07-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343305/huge-update-amex-blue-cash-everyday-new-benefits https://gamma.videonest.org/343305_thumbnail_resized_v2.webp https://gamma.videonest.org/343305_video_v3.mp4 *HUGE UPDATE!* Amex Blue Cash Everyday (New Benefits) As of July 14, 2022, the Amex Blue Cash Everyday Card has a NEW rewards structure & NEW benefits! Learn why it’s one of the best cash back credit cards with no annual fee! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass 🔗 PRESS RELEASE (Business Wire) - American Express® Enhances Blue Cash Everyday® Card with New Design, Cash Back Rewards, and Benefits https://www.businesswire.com/news/home/20220714005286/en/American-Express®-Enhances-Blue-Cash-Everyday®-Card-with-New-Design-Cash-Back-Rewards-and-Benefits Quote from the Press Release… “We’ve refreshed our popular Blue Cash Everyday Card and added new benefits that make it easier - and more rewarding - to do the things you do every day,” said Anthony Cirri, Executive Vice President, Global Lending and Cobrand, American Express. “Our Blue Cash Everyday Card now offers more ways to earn cash back across our Card Members’ top spending categories including online shopping, groceries, and gas.” According to new data from American Express, 90% of consumers surveyed agree they want a credit card that gives cash back for everyday purchases, particularly groceries (90%), gas (90%), and online shopping (89%).” It's definitely cool to see American Express make an impactful response to the data they gathered from the surveys, especially by adding new rewards & benefits that are useful to people’s day-to-day living. Here’s a rundown of the NEW BENEFITS on the American Express Blue Cash Everyday Card… WELCOME OFFER (July 2022) Earn $200 cash back after spending $2,000 on eligible purchases in the first 6 months, PLUS 0% intro APR on purchases and balance transfers for the first 15 months, then a variable APR of 15.49% - 26.49%. REWARDS - EARNING The Amex Blue Cash Everyday card now offers 3 rewards categories that earn 3% cash back. The one for supermarkets is unchanged, the Gas Stations category used to be unlimited 2% but is now 3% on up to $6K spend per year, and the Online Retail category is all new. - 3% U.S. Supermarkets | Up to $6K spend/yr. then 1% - 3% U.S. Gas Stations | Up to $6K spend/yr. then 1% - 3% U.S. Online Retail | Up to $6K spend/yr. then 1% - 1% Other Purchases REWARDS – REDEEMING - There is no longer a minimum redemption requirement (previously $25) - Redeem for a statement credit MONTHLY CREDITS - $180 Home Chef Credit: Issued as a statement credit, up to $15 per month, for online meal kit purchases. Enrollment required. - $84 The Disney Bundle Credit: Issued as a statement credit, $7.00 per month, after you spend $13.99/mo. or more on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required. OTHER BENEFITS - A complimentary ShopRunner membership is still included. Enrollment required. - Car Rental Loss and Damage Insurance (secondary) - Purchase Protection (including coverage for theft) - Instant credit card number, if eligible - Global Assist Hotline - Amex Offers - American Express Access, Early Access, and Experiences 🎬 MORE CREDIT CARD VIDEOS 🔹7 BEST Amex Platinum Card Benefits 2022! (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review 2022: https://youtu.be/iF07TX7MH8Y Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexcreditcards #americanexpress #amexbluecash 2022-07-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343306/amex-platinum-card-8-ways-to-make-it-better https://gamma.videonest.org/343306_thumbnail_resized_v2.webp https://gamma.videonest.org/343306_video_v3.mp4 Amex Platinum Card - 8 Ways to Make It Better Visit my sponsor https://aura.com/markreese and see if your personal info has been exposed on the dark web. Try 14 days for free! // Here’s my personal wish list for the Top 8 Ways to IMPROVE the Amex Platinum Card! Click “Show More” to see Ad Disclosure. 🔐 AURA – Identity Theft Protection & More! (Sponsor) Get Your 2-Week Free Trial: https://aura.com/markreese 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass Here are my Top 8 Ways to make the American Express Platinum Card BETTER: 1. Point Value: Make Amex Membership Rewards points worth a minimum of 1.0¢ each for ALL redemption types. American Express offers a variety of ways to redeem. Here are the main ways, plus their current point values: - Cover Your Card Charges (i.e. cash back as a statement credit): 0.6¢ - Pay with Points at Checkout (PayPal): 0.7¢ - Redeem for Gift Cards: 0.5¢ - 1.0¢ - Book or Upgrade Travel: 0.7¢ - 1.0¢ - Transfer Points: Varies - Go Shopping: 0.5¢ Ever wondered how to redeem Amex points for maximum value? That will almost always be via Amex transfer partners (which requires research & a strategic approach in order to make it work well in your favor). That’s definitely not for most people, so following Chase & U.S. Bank to make 1.0¢ per point the standard redemption value (almost) across the board would be awesome. 2. Point Multipliers: Add more (and make them useful). Currently, the Amex Platinum Card earns in the following ways: - 5X Flights: Booked directly w/ airlines or AmexTravel.com | Up to $500K spend per year - 5X Hotels: Prepaid via AmexTravel.com - 1X Other Purchases I propose adding 3X – 5X categories for Entertainment, Gas Stations, and/or Mobile Wallet purchases. 3. $200 Airline Fee Credit: Allow it to be used toward airline tickets & upgrades on ANY AIRLINE. Currently, it only works on a limited number of U.S. Airlines and only for incidental charges. Plus, you can only change your airline once per year in January. 4. $240 Digital Entertainment Credit: Expand to include more options (again). 5. $200 Hotel Credit: Expand to include purchases at Marriott & Hilton. The Platinum Card already offers Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status. It’d be awesome to see Amex expand their partnership with these 2 brands. 6. $300 Equinox Credit: Expand to cover ALL Equinox purchases. Currently, it only covers “eligible memberships” (All-Access, Destination, E by Equinox) and the digital Equinox+ app membership. 7. Amex Centurion Lounge: Preserve an exclusive, elevated experience. Overcrowding has become a major issue and needs to be solved. 8. Rental Car Insurance: Include complimentary primary coverage. Currently, coverage is secondary with the ability to add primary coverage on a per-trip basis for an additional fee. 🎬 MORE CREDIT CARD VIDEOS 🔹7 BEST Amex Platinum Card Benefits 2022! (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review 2022: https://youtu.be/iF07TX7MH8Y Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexplatinum #americanexpress #amexplatinumbenefits 2022-07-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343307/watch-me-apply-ihg-premier-business-credit-card https://gamma.videonest.org/343307_thumbnail_resized_v2.webp https://gamma.videonest.org/343307_video_v3.mp4 *WATCH ME APPLY* IHG Premier Business Credit Card! The IHG Rewards Premier Business Credit Card is offering 140,000 points and comes with an annual free night award. Watch me apply & comment below if you think I’ll get approved! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass I decided to apply for the IHG business credit card for a few reasons. First, the welcome offer of 140,000 IHG points is great; the approximate value is around $700 towards IHG Hotels. Second, one of the main reasons why I like hotel credit cards so much is that many come with an annual free night certificate. The IHG Business Card offers one valued up to 40,000 points, and you can top it off with as many additional IHG points as you like. For example, if you want to stay at a property costing 60,000 points, then you could redeem the free night certificate and add an additional 20,000 points. Third, the IHG Business credit card earns 10X points at IHG Hotels, so I’d like to use it for my paid stays. When you combine that 10X multiplier with the additional 10X you earn for simply being an IHG Rewards member, plus the additional 6X via IHG Platinum Elite Status, that’s a total of 26X points on paid IHG hotel stays! Clearly, you can earn free nights at IHG Hotels quite quickly :D WELCOME OFFER (July 2022) Earn 140,000 IHG points after spending $3,000 in the first 3 months ANNUAL FEE = $99 EARNING MILES - 10X IHG Hotels - 5X Travel - 5X Dining - 5X Gas Stations - 5X Select Business Categories (social media & search engine advertising | office supply stores) - 3X Other Purchases MAIN BENEFITS (terms apply) - Anniversary Free Night, up to 40K points, plus top off with unlimited IHG points - IHG Platinum Elite Status - IHG 4th Night Free on award stays - $100 Statement Credit + 10K points each calendar year during which you spend at least $20K on your card, plus 1 additional purchase - 20% Discount on reward points purchases - Up to $100 statement credit every 4 years for Global Entry, TSA PreCheck, or NEXUS - Purchase Protection - Trip Cancellation / Trip Interruption Insurance - No Foreign Transaction Fees MY CREDIT SCORE / CREDIT REPORT – BEFORE Credit Scores - Experian: 771 (FICO Score 8) - TransUnion: 803 (VantageScore 3.0) - Equifax: 823 (VantageScore 3.0) Inquiries - Experian: 7 - TransUnion: 6 - Equifax: 1 New Accounts - Past 6 months: 1 - Past 12 months: 2 - Past 24 months: 4 Average Age of Accounts - 4 years 3 months Prior Relationship - 6 Personal credit cards - 4 Business credit cards - Personal Chase Checking - Personal Chase Savings WHICH CREDIT BUREAU DOES CHASE USE? - Chase used Experian for my business credit card application. Results may vary based on location, and it’s possible that Chase may pull from multiple bureaus for a single application. MY CREDIT SCORE / CREDIT REPORT – AFTER - My Experian credit score decreased from 771 to 768, a decrease of 3 points. - My inquiry count on TransUnion went from 7 to 8, an increase of 1. 🎬 MORE CREDIT CARD VIDEOS 🔹WATCH ME APPLY – Amex Business Credit Card (Amex Blue Business Cash Card): https://youtu.be/19CE600Z9Xg 🔹WATCH ME APPLY – Chase Ink Business Preferred: https://youtu.be/YOfyZk7QcNA 🔹WATCH ME APPLY – Chase Ink Business Cash: https://youtu.be/Qr0p9c_uQLI 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #ihgcreditcard #hotelcreditcards #chasecreditcards 2022-07-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343308/how-to-transfer-amex-credit-limit-to-another-card-full-demo https://gamma.videonest.org/343308_thumbnail_resized_v2.webp https://gamma.videonest.org/343308_video_v3.mp4 How to Transfer Amex Credit Limit to Another Card! (Full Demo) Learn how to move your Amex credit limit to another card! This is a great way to increase your credit limit without a hard pull by using the credit lines you already have with American Express. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass 🔗 MILES TO MEMORIES – Making Life Easy: How to Move Amex Credit Limit Online: https://milestomemories.com/move-amex-credit-limit/ AMERICAN EXPRESS CREDIT LIMIT REALLOCATION | RULES TO KNOW 1. There is NO HARD PULL for doing credit line reallocations. 2. All cards involved must be managed under the same user profile. 3. You CAN move credit from: - A personal card to a personal card - A business card to a business card - A personal card to a business card 4. You CANNOT move credit from: - A business card to a personal card 5. Internal rules may exist for how often you can use this tool. - $100 increments - 1 credit line reallocation every 30 days - Amount of credit you can transfer can vary based on things like your current credit limit, how much you have already spent, your cash credit limit, and other internal factors set by American Express. NOTE: The ‘Transfer Available Credit’ tool only works for traditional Amex credit cards (e.g. Marriott credit cards, Hilton credit cards, Delta credit cards, Amex Cash Magnet card, Amex Blue Cash Everyday card, Amex Blue Cash Preferred, etc.). All of those credit cards have regular credit limits. The tool DOES NOT WORK for Amex charge cards (e.g. Amex Platinum Card, Amex Gold Card, Amex Green Card) as those do not have preset credit limits. HOW TO TRANSFER YOUR AMEX CREDIT LIMIT TO ANOTHER CARD 1. Log in to your Amex online account 2. Choose one of your Amex credit cards (charge cards not eligible) 3. Click on Account Services tab on the top horizontal menu 4. Select Payment & Credit Options from the left-side menu 5. Click on Transfer Available Credit to Another Card 6. Follow the steps to complete the process 🎬 MORE CREDIT CARD VIDEOS 🔹Amex Pre Approval Application: https://youtu.be/GmOXyGLcTYk 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹Amex Platinum Retention Offer 2022: https://youtu.be/KPw7OI1WY34 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022? (Full Review): https://youtu.be/iF07TX7MH8Y Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexcreditcards #creditcards 2022-07-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343309/5-best-cash-back-credit-cards-2022 https://gamma.videonest.org/343309_thumbnail_resized_v2.webp https://gamma.videonest.org/343309_video_v3.mp4 5 BEST CASH BACK CREDIT CARDS 2022! Here are my picks for the Top 5 Best Cash Back Credit Cards of 2022 (so far)! See which one(s) best fit with your spending habits to maximize the amount of cash you could earn each month. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass CREDIT CARD #1 – CAPITAL ONE SAVOR ONE CARD Welcome Offer (June 2022) Earn $200 cash back after spending $500 on purchases within the first three months. Annual Fee = $0 Cash Back – Earn - 8% Capital One Entertainment - 8% Vivid Seats: Valid thru Jan. 31, 2023 - 5% Hotels: Via Capital One Travel - 5% Rental Cars: Via Capital One Travel - 3% Dining - 3% Entertainment - 3% Streaming Services - 3% Grocery Stores - 1% Other Purchases Main Benefits - Capital One Dining - Capital One Entertainment - Capital One Travel - Capital One Shopping - Complimentary Concierge Service - Virtual Card Numbers from Eno - No Foreign Transaction Fees - Extended Warranty - Travel Accident Insurance CREDIT CARD #2 – CITI CUSTOM CASH CARD Welcome Offer (June 2022) Earn $200 cash back after spending $750 on purchases in the first 3 months. Plus, 0% APR for 15 months on purchases & balance transfers, then 15.49% - 25.49%. Annual Fee = $0 Cash Back – Earn - 5% Top Eligible Spend Category: Earn 5% cash back in the category where you spent most each billing cycle. Valid on the first $500 spent, then 1% cash back beyond that until it refreshes. Eligible 5% Categories: restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, home improvement stores, live entertainment, drug stores, fitness clubs. - 1% Other Purchases Main Benefits - Automatic account alerts - Contactless payments - Digital wallet compatibility - Select your payment due date - 24/7 Customer service CREDIT CARD #3 – AMEX BLUE CASH PREFERRED Welcome Offer (June 2022) - $350 Cash Back: Issued as a statement credit. Earn after spending $3,000 in the first 6 months. - 0% APR: On purchases for the first 12 months, then 15.49% - 25.49% variable APR. - $0 Fees: On Buy Now, Pay Later introductory Plan It fees created during the first 12 months, then fixed monthly fee up to 1.33%. Annual Fee = $95 Cash Back – Earn - 6% Groceries: At U.S. supermarkets | Up to $6K spent per year - 6% Streaming: On select U.S. subscriptions - 3% Transit: Taxis, rideshares, parking, tolls, more - 3% Gas: At U.S. gas stations - 1% Other Purchases Main Benefits - $120 Equinox+ Credit: Issued as $10/mo. - Car Rental Loss & Damage Insurance - Extended Warranty - Purchase Protection - Return Protection - Global Assist Hotline - Instant Card Number (if eligible) - ShopRunner - Amex Offers CREDIT CARD #4 – CHASE FREEDOM FLEX Welcome Offer (June 2022) - $200 Cash Back: Earn after spending $500 in first 3 months - 5% Gas Stations: Up to $6,000 spent in Year 1 - 0% APR: On purchases & balance transfers for the first 15 months, then 15.74% - 24.49% variable. Annual Fee = $0 Cash Back – Earn - 5% Quarterly Categories: Up to $1,500 in combined spend | Activate each quarter - 5% Travel: Via Ultimate Rewards portal - 3% Dining at Restaurants: Incl. takeout & eligible delivery services - 3% Drugstores - 1% Other Purchases Main Benefits - Cell Phone Insurance - Purchase Protection - Extended Warranty Protection - Trip Cancellation / Interruption Insurance - Auto Rental Collision Damage Waiver - Travel & Emergency Assistance Services - Partner Benefits: Lyft, Fandango, HelloFresh, ShopRunner CREDIT CARD #5 – PAYPAL CASHBACK MASTERCARD Welcome Offer (valid: July 01 – July 31, 2022) Earn $100 cash back after spending $500 in the first 90 days. Annual Fee = $0 Cash Back – Earn - 3% PayPal - 2% Other Purchases Main Benefits - Purchase Protection - When you shop with PayPal - Pay via QR code, where available - ID Theft Protection Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #cashback #bestcreditcards #cashbackcreditcards 2022-07-01T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343310/how-to-find-preapproved-and-prequalified-credit-card-offers-via-cardmatch https://gamma.videonest.org/343310_thumbnail_resized_v2.webp https://gamma.videonest.org/343310_video_v3.mp4 How to Find PREAPPROVED & PREQUALIFIED Credit Card Offers via CardMatch! Looking for prequalified or preapproved credit card offers? How about bigger signup bonuses? Learn how to use CardMatch to find these types of offers quickly with NO effect on your credit score! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass CardMatch is an excellent credit card tool that matches you with personalized credit card offers based on your credit card profile. In short, this de-risks the credit card application process for you because the results you see will have a greater chance of approval. Plus, there is NO HARD PULL / NO CREDIT INQUIRY :D In general, you may be able to see the following: 1. Elevated offers with higher welcome bonuses than publicly available 2. Prequalified credit card offers that have a greater chance of approval 3. Pre-approved credit card offers that you can simply accept as a near-guaranteed approval (Note: a hard pull of your credit report may still occur, resulting in a new inquiry. This is because while you’ve already been approved for a card offer based on the general profile about you, the bank may do a deeper look into your full credit report to see if anything has changed). The CardMatch tool is very straightforward. It’s a multi-step form that results in a soft credit inquiry from TransUnion to show you personalized credit card offers. The information required is as follows: - First Name - Last Name - Mailing Address - Employment Status - Monthly rent or mortgage payment - Last 4 digits of your Social Security Number (SSN) - Email Address As of the filming of this video, the CardMatch tool has been showing some elevated welcome offers from some American Express cards on a targeted basis, including: Amex Platinum Card - Earn 125,000 Membership Rewards points after spending $6K on eligible purchases in the first 6 months - Earn 150K Membership Rewards points after spending $6K in eligible purchases in the first 6 months Amex Gold Card - Earn 75K Membership Rewards points after spending $4K on eligible purchases in the first 6 months - Earn 90K Membership Rewards points after spending $4K on eligible purchases in the first 6 months Also… Citi Premier Card - Earn 80,000 Citi ThankYou points after spending $4K in purchases in the first 3 months Good luck & have fun with this tool! 🎬 MORE CREDIT CARD VIDEOS 🔹Amex Pre Approval Application: https://youtu.be/GmOXyGLcTYk 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹Amex Platinum Retention Offer 2022: https://youtu.be/KPw7OI1WY34 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022? (Full Review): https://youtu.be/iF07TX7MH8Y Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #cardmatch #preapprovedcreditcards #prequalifycreditcards 2022-06-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343311/how-to-get-the-amex-schwab-platinum-card-step-by-step https://gamma.videonest.org/343311_thumbnail_resized_v2.webp https://gamma.videonest.org/343311_video_v3.mp4 How to Get the Amex Schwab Platinum Card (Step by Step) The Amex Platinum Card for Schwab is THE BEST Platinum Card version available (in my opinion) :D Learn exactly how to get it so you can get big value for travel and cash back! Click “Show More” to see Ad Disclosure. 🖼 MASTERWORKS – Invest in contemporary art! Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://masterworks.art/markreese Purchase shares in great masterpieces from artists like Pablo Picasso, Banksy, Andy Warhol, and more. How Masterworks works: - Create your account with your traditional bank account - Pick major works of art to invest in or our new blue-chip diversified art portfolio - Identify investment amount - Hold shares in works by Picasso or trade them in our secondary marketplace - See important Masterworks disclosures: https://www.masterworks.io/about/disclaimer 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass The Amex Platinum Card and the Schwab Platinum Card have the EXACT SAME core benefits. That means they have the same rewards structure (5X Airfare, 5X Prepaid Hotels via Amex Travel, 1X Other Purchases), the same annual / monthly credits, same insurance protections, and more. They even have the same annual fee (currently $695). The DIFFERENCE is that the Schwab Platinum Card adds 2 EXTRA BENEFITS, as follows… 1. Invest With Rewards Redeem Amex Membership Rewards points as cash back into an eligible Schwab Brokerage account at a rate of 1 point = 1.1¢ ($0.01). Examples: 10K points = $110 | 25K points = $275 | 50K points = $550 2. Schwab Appreciation Bonus Earn a $100 - $200 statement credit each year based on your Qualifying Schwab Holdings (QSH), which will be measured within 5 business days of Card account approval, then on the 1st calendar day of your annual Card account renewal month each year. - $100 Statement Credit: Your QSH ≥ $250,000 but less than $1M - $200 Statement Credit: Your QSH ≥ $1M TO APPLY for the Schwab Platinum Card, you must: a. Be 18 years of age or older b. Have a valid U.S. home address (incl. U.S. territories & Puerto Rico) c. Have an eligible Schwab account* *ELIGIBLE SCHWAB ACCOUNTS include: a. Schwab One® or Schwab General Brokerage Account held in your name or in the name of a revocable living trust where you are the grantor and trustee. b. Schwab Traditional IRA, Roth IRA, or Rollover IRA that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you & such independent advisor. STEPS TO APPLY 1. Open an eligible Schwab account 2. Apply for the Schwab Platinum Card - Online: https://www.schwab.com/credit-cards - By Phone: 1-800-297-8017 - Make sure you do these 2 steps in the correct order! HOW TO REDEEM AMEX POINTS VIA SCHWAB PLATINUM CARD 1. Log into your Amex account 2. Click on your Schwab Platinum Card 3. Click on the Invest with Rewards link directly below your Membership Rewards point balance 4. Follow the prompts The funds will then be deposited into your eligible Charles Schwab account. From there, you can invest your funds into the market or transfer out to another account. You can link external savings accounts & checking accounts from outside banks, and then transfer your cash back to those accounts. 🎬 MORE CREDIT CARD VIDEOS 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹Chase Sapphire Preferred $50 Hotel Credit (How to Use It | Demo): https://youtu.be/pkjAZmWq21U 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexplatinum #charlesschwab 2022-06-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343312/watch-me-apply-aadvantage-aviator-world-elite-business-mastercard-80k-miles https://gamma.videonest.org/343312_thumbnail_resized_v2.webp https://gamma.videonest.org/343312_video_v3.mp4 *WATCH ME APPLY* AAdvantage Aviator World Elite Business Mastercard (80K Miles)! The AAdvantage Aviator Business credit card is offering 80,000 AA miles for a limited time! Watch me apply with some credit card application tips along the way! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass I decided to apply for the AAdvantage Aviator World Elite Business Mastercard for a limited-time welcome bonus opportunity (80,000 miles). I’ve got some international travel on my mind within the next year, so it’s time to stock up on some airline miles for future redemptions that can help me save money on travel! WELCOME OFFER (June 2022) Earn 80,000 AAdvantage miles and a $95 statement credit after spending $2,000 in the first 90 days. ANNUAL FEE = $95 EARNING MILES - 2X American Airlines purchases - 2X Office Supply, Telecom, and Car Rental merchants - 1X Other Purchases MAIN BENEFITS (terms apply) - 1st Checked Bag Free for you and up to 4 companions on the same domestic itinerary operated by American Airlines. - Companion Certificate good for 1 guest at $99, plus fees & taxes. Issued each year after your account anniversary if you spend $30K on your card. - Preferred Boarding for you and 4 companions on the same itinerary operated by American Airlines. - 25% Infight Savings for food and beverages. - No Foreign Transaction Fees. MY CREDIT SCORE / CREDIT REPORT – BEFORE Credit Scores - Experian: 802 (FICO Score 8) - TransUnion: 804 (VantageScore 3.0) - Equifax: 821 (VantageScore 3.0) Inquiries - Experian: 7 - TransUnion: 5 - Equifax: 1 New Accounts - Past 6 months: 1 - Past 12 months: 2 - Past 24 months: 4 Average Age of Accounts - 4 years 2 months Prior Relationship - 1 personal card - 1 business card WHICH CREDIT BUREAU DOES BARCLAYS USE? - Barclays used TransUnion for my business credit card application. Results may vary based on location, though Barclays tends to favor TransUnion. MY CREDIT SCORE / CREDIT REPORT – AFTER - My TransUnion credit score decreased from 804 to 800, a decrease of 4 points. - My inquiry count on TransUnion went from 5 to 6, an increase of 1. - My New Accounts & Average Age of Accounts had no change as Barclays business credit cards do not report to your personal credit report. A FEW MORE THINGS THAT ARE GOOD TO KNOW… 1. I first got this American Airlines credit card in Aug. 2018. Closed it in Sep. 2019. Time since closure = 33 months (2 years 9 months). 2. My last Barclays card was the Wyndham Rewards Earner Business, which was opened in Oct. 2021. Time since opening = 8 months. Recommended to have 6+ months between Barclays applications. 3. I made sure to use my 2 existing Barclays credit cards for a variety of transactions in the month prior to applying for this new American Airlines credit card. 4. At first, I had a moderately high utilization on my credit report (~42%) from my Chase Sapphire Preferred card. So, I paid off that statement balance & let my new utilization get reported (~2%) before applying for this new American Airlines credit card. A big factor in credit card approvals is how much you make compared to how much you owe (i.e. your debt levels, which may include debts from other credit cards, mortgage, student loans, auto loans, etc.) 🎬 MORE CREDIT CARD VIDEOS 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹Chase Sapphire Preferred $50 Hotel Credit (How to Use It | Demo): https://youtu.be/pkjAZmWq21U 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #aadvantagecreditcard #americanairlines #travelcreditcards 2022-06-21T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343313/marriott-credit-card-eligibility-rules-watch-before-you-apply https://gamma.videonest.org/343313_thumbnail_resized_v2.webp https://gamma.videonest.org/343313_video_v3.mp4 Marriott Credit Card Eligibility Rules! (Watch BEFORE You Apply) Watch this video BEFORE applying for a Marriott Credit Card! I created a helpful all-in-1 chart to make the eligibility rules easy to understand, that way you’ll know if you can get a signup bonus! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass 🔗 Marriott Credit Cards (Click on ‘Find your card’ from the menu to see different versions): https://creditcards.chase.com/marriott/cardmember/ 🔗 The Points Guy - Are you eligible for a new Marriott Bonvoy card? This chart tells you yes or no: https://thepointsguy.com/guide/eligibility-chart-marriott-bonvoy-cards/ 🔗 Frequent Miler – Are you eligible for a new Marriott card?: https://frequentmiler.com/marriott-card-eligible/ 🔗 One Mile At A Time – Understanding Marriott Credit Card Eligibility Rules: https://onemileatatime.com/guides/marriott-credit-card-eligibility-rules/ There have been A LOT of different Marriott credit cards over the years (at least 13 if you include the SPG and Ritz-Carlton versions)! This is due to Marriott acquiring Starwood Hotels & Resorts Worldwide. Here’s the timeline of the Marriott SPG merger… - November 16, 2015: Marriott announced its plan to acquire Starwood Hotels - April 08, 2016: Marriott & Starwood stockholders approved the merger - September 23, 2016: The merger closed w/ the FTC prior to market opening - Link to more info: https://marriott.gcs-web.com/starwood Here’s a list of the various credit cards we’ve seen… - Marriott Bonvoy Credit Card - Marriott Bonvoy Bold Credit Card - Marriott Bonvoy Boundless Credit Card - Marriott Bonvoy Premier Credit Card - Marriott Bonvoy Business Credit Card - Marriott Bonvoy Premier Plus Business Credit Card - The Ritz-Carlton Credit Card - Marriott Bonvoy American Express Credit Card - Marriott Bonvoy Business American Express Card - Marriott Bonvoy Brilliant American Express Card - Starwood Preferred Guest Credit Card from American Express (SPG Credit Card) - Starwood Preferred Guest Business Credit Card from American Express (SPG Business Card) - Starwood Preferred Guest Luxury Card (SPG Luxury Card) As you look at the Eligibility Chart in the video, here are the 5 keys from the legend: - YES: You are eligible to get the card with a bonus. - 30 DAYS: You cannot have or have had this card in the last 30 days. In other words, you cannot have this card open AND you must wait 30 days after you cancel or product change. - 24 MONTHS: You cannot have this card open AND you must wait 24 months since you last received a bonus. - 90 DAYS / 24 MONTHS: You must wait 90 days since getting this card AND allow 24 months to pass since you received a welcome bonus or upgrade bonus. - RED X: You are not eligible for a welcome bonus if you’ve previously had this card 🎬 MORE CREDIT CARD VIDEOS 🔹Marriott Free Night Award TOP OFF With Points! (Full Tutorial): https://youtu.be/vHrZi5zakgY 🔹*BIG UPDATE!* Marriott Bonvoy Credit Cards 2022: https://youtu.be/6V4gZqb8aK0 🔹MARRIOTT BONVOY BRILLIANT CREDIT CARD REVIEW: https://youtu.be/cv0s5iwhuWk 🔹MARRIOTT BONVOY BRILLIANT vs. RITZ CARLTON Credit Card Comparison: https://youtu.be/QYy3tESNAQ8 🔹Amex Platinum $200 Hotel Credit! (Step by Step Tutorial): https://youtu.be/gOM8LYQIJ18 🔹HILTON HONORS American Express Card Review! (No annual fee travel cards): https://youtu.be/UcE90WfK4po 🔹HILTON HONORS SURPASS CARD Review: https://youtu.be/lL4a1tJGMVg 🔹HILTON HONORS ASPIRE CARD Review: https://youtu.be/zrxOfS4FNEo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #marriottcreditcards #marriottbonvoy #hotelcreditcards 2022-06-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343314/wow-capital-one-venture-x-adds-100-lounges-how-to-get-in https://gamma.videonest.org/343314_thumbnail_resized_v2.webp https://gamma.videonest.org/343314_video_v3.mp4 *WOW!* Capital One Venture X Adds 100+ Lounges (How to Get In) The Capital One Venture X now gets you into over 100 Plaza Premium Lounges worldwide (plus the regular Venture Rewards Card and Spark Miles Card with 2 free annual visits). Get all the details here! Click “Show More” to see Ad Disclosure. 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔗 PLAZA PREMIUM LOUNGES: https://www.plazapremiumlounge.com/en-uk 🔗 CAPITAL ONE LOUNGES: https://capitalonetravel.com/lounges 🔗 CAPITAL ONE PARTNER LOUNGE NETWORK: capitalonetravel.com/lounges/partner-lounge-network 🔗 PRIORITY PASS LOUNGES: https://prioritypass.com/en Here are the details regarding the new Capital One lounge access programs… 1. NEW Partner Lounge Network – Gives eligible cardholders access to an additional 100+ Plaza Premium lounges worldwide, including: - All domestic Virgin Atlantic Clubhouses - Air France Lounge at Montreal Airport (YUL) - MERA Business Lounges at Cancún International Airport (CUN) - Many more! 2. Access is based on card product: (a) Capital One Venture X – Unlimited complimentary access to: - Plaza Premium Lounges - Capital One Lounges - Priority Pass Lounges (b) Capital One Venture & Spark Miles – Use your 2 Free Lounge Visits to get access to: - Plaza Premium Lounges - Capital One Lounges HOW TO VIEW CAPITAL ONE LOUNGE PASS IN APP 1. Log into your Capital One app 2. Select your eligible credit card (Venture X, Venture, Spark Miles) 3. Tap on your Rewards Miles balance 4. Select the ‘Adventure awaits’ tile 5. Choose the ‘Lounges’ tab on the top of the next screen 6. Then tap on the ‘View Pass’ button at the top 7. You’ll see your Lounge Pass, the access privileges (unlimited with up to 2 guests with the Venture X, or up to 2 free visits per year with the Venture Rewards or Spark Miles cards), and the ability to add it to Apple Wallet. NOTE: You must show your digital lounge pass or your Capital One credit card, PLUS your boarding pass for a departing or connecting flight in order to enter the Capital One Lounge. 🎬 MORE CREDIT CARD VIDEOS 🔹Capital One Venture Rewards Credit Card Review: https://youtu.be/bWD9FRBYWpk 🔹Watch Me Apply: Capital One Venture X Credit Card Application: https://youtu.be/aPjSMST3xqc 🔹Capital One Venture X vs. Chase Sapphire Reserve: https://youtu.be/gWzETLG291w 🔹Capital One Venture X Review: https://youtu.be/00L0zsN82Ks Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitalonecreditcards #capitaloneventure #capitalonelounge 2022-06-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343315/amex-gold-card-worth-it-full-review https://gamma.videonest.org/343315_thumbnail_resized_v2.webp https://gamma.videonest.org/343315_video_v3.mp4 Amex Gold Card Worth It?! (Full Review) The American Express Gold Card has a $250 annual fee, comes with 2 monthly credits and earns 4X Membership Rewards points in really useful categories. BUT does it make sense for YOU? Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass WELCOME OFFER (June 2022) Earn 60K Membership Rewards points after spending $4K on purchases in the first 6 months. Approx. value = $360 - $1,080 (avg.) based on how you redeem your Amex points. ANNUAL FEE = $250 Rates & Fees Info: https://oc.brcclx.com/t/?lid=26678637&cr=28353&last_updated=1598923399 EARN AMEX POINTS - 4X Groceries at U.S. Supermarkets on up to $25K spend per year - 4X Dining at Restaurants worldwide, plus takeout & delivery in the U.S. - 3X Flights booked directly with airlines or via the Amex Travel portal - 1X Other Purchases REDEEM AMEX POINTS - Travel (Amex Transfer Partners): 1.8¢ per point (avg.) - Travel (Amex Travel Portal): 0.7¢ per point for Hotels, Car Rentals, Cruises, and Vacations | 1.0¢ per point for Flights - Cash Back (Statement Credit, “Cover Your Card Charges”): 0.6¢ per point HOW TO REDEEM AMEX POINTS 1. Log into your American Express account 2. Select your Amex Gold Card 3. Click on Rewards & Benefits on the top horizontal menu 4. On the next page, scroll down until you see the 6 main options: - Cover Your Card Charges - Pay with Points at Checkout - Redeem for Gift Cards - Book or Upgrade Travel - Transfer Points - Go Shopping 5. Choose the one you want and follow the on-screen prompts AMEX TRANSFER PARTNERS Airlines - Aer Lingus AerClub - Aeromexico Club Premier - Air Canada Aeroplan - Air France KLM Flying Blue - ANA Mileage Club - Asia Miles - Avianca LifeMiles - British Airways Executive Club - Delta SkyMiles - Emirates Skywards - Etihad Guest - Hawaiian Airlines - Iberia Plus - JetBlue TrueBlue - Qantas Frequent Flier - Singapore Airlines KrisFlyer - Virgin Atlantic Flying Club Hotels - Choice Privileges - Hilton Honors - Marriott Bonvoy AMEX GOLD CARD BENEFITS 1. Dining Credit ($120/yr.): Issued as a $10 / month statement credit, valid on purchases at: - Grubhub (incl. Seamless) - The Cheesecake Factory - Shake Shack (select locations) - Goldbelly - Milk Bar - Wine.com Ending 8.01.2022: - Ruth’s Chris Steakhouse - Boxed 2. Uber Cash Benefit ($120/yr.): Issued as a $10/mo. Uber Cash deposit, automatically added to Uber account, use toward: - Uber rides - Uber Eats deliveries (plus groceries in select cities) 3. The Hotel Collection: Book upscale hotels and receive additional benefits: - $100 property credit - Room upgrade if available - Must stay 2+ consecutive nights 4. No Foreign Transaction Fees INSURANCE & PROTECTIONS - Car Rental Loss & Damage Insurance (Secondary) - Global Assist Hotline - Baggage Insurance Plan - Trip Delay Insurance - Extended Warranty - Purchase Protection SHOULD YOU GET IT? YES if you… - Buy groceries at U.S. supermarkets (NOT: Target, Walmart, wholesale clubs, etc.) - Eat out at restaurants often - Normally use Uber / Uber Eats monthly - Normally spend at: Grubhub, The Cheesecake Factory, Shake Shack, Goldbelly, Milk Bar, Wine.com - Prefer travel rewards over cash back NO if you… - Buy groceries at wholesale clubs / dep’t stores - Don’t use Uber / Uber Eats monthly - Don’t normally spend w/ dining partners - Don’t like high-annual-fee cards - Prefer cash back over travel rewards 🎬 MORE CREDIT CARD VIDEOS 🔹Amex Platinum Retention Offer: https://youtu.be/KPw7OI1WY34 🔹7 BEST Amex Platinum Card Benefits: https://youtu.be/bz74ofQKM2s 🔹Are Airline Credit Cards Worth It?: https://youtu.be/WhOdp8Qfyus 🔹Amex Gold vs. Chase Sapphire Preferred: https://youtu.be/HolY8a3Jva4 🔹Amex Platinum Authorized User Benefits (Explained): https://youtu.be/7EI7IV3DIoU 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review: https://youtu.be/IaLBFpQj-eE Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexgold #amexrosegold #americanexpress 2022-06-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343316/new-amex-pre-approval-credit-card-application-amex-apply-with-confidence-feature https://gamma.videonest.org/343316_thumbnail_resized_v2.webp https://gamma.videonest.org/343316_video_v3.mp4 *NEW!* Amex Pre Approval Credit Card Application! (Amex Apply With Confidence feature) Want to get approved for an Amex credit card WITHOUT a hard pull / inquiry on your credit report? Learn about the NEW Amex Apply With Confidence feature to learn how to make it happen! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass American Express launched a new pre approval process for their credit card applications (it's called the Amex Apply With Confidence feature). It functions in a similar way to applying for the Apple Card, whereby you submit your application and get an approved / denied decision BEFORE a hard pull is performed. You may see your credit limit, APR, and any other relevant information that Amex may provide regarding the offer for which you were approved. You can then choose to accept the offer or not. If you accept, then a hard pull may occur and your credit score may be temporarily affected. If you decline, your credit score will not be affected. At the time of this video, I noticed the following… - Amex pre approval offers are only showing on PERSONAL Amex cards. This includes personal charge cards (Amex Platinum Card, Amex Gold Card, Amex Green Card) and Amex personal credit cards (Amex Blue Cash Preferred, Delta credit cards, etc.) - Amex pre approval offers are not showing on Amex BUSINESS cards - Amex pre approval offers seem to be TARGETED and may not be available to everyone or at all times. If you see one, leave the webpage, and come back later, the feature may not be there when you come back a second time. If you don’t see one, try clearing your browser history, cookies, cache, etc. and then go back to the Amex website to search again. Also try using different browsers (Chrome, Safari, Firefox, Microsoft Edge, etc.), different devices, different WiFi networks, etc. Furthermore, Amex often does a soft pull if you already have a card relationship with them. So, if you’re going for your 2nd, 3rd, etc. card from them, there’s a good chance it will only be a soft pull (this is not guaranteed, however). So far, this new American Express Apply With Confidence feature looks great! Have you tried it? 🎬 MORE CREDIT CARD VIDEOS 🔹Amex Platinum Retention Offer 2022: https://youtu.be/KPw7OI1WY34 🔹7 BEST Amex Platinum Card Benefits 2022: https://youtu.be/bz74ofQKM2s 🔹Are Airline Credit Cards Worth It?: https://youtu.be/WhOdp8Qfyus 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Amex Platinum Authorized User Benefits (Explained): https://youtu.be/7EI7IV3DIoU 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexpreapproval #amexplatinum #amexgold 2022-06-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343317/confirmed-wells-fargo-autograph-card-coming-soon-best-all-in-one-credit-card https://gamma.videonest.org/343317_thumbnail_resized_v2.webp https://gamma.videonest.org/343317_video_v3.mp4 CONFIRMED! Wells Fargo AUTOGRAPH Card Coming Soon! (Best All In One Credit Card?) The all-new Wells Fargo Autograph Credit Card is launching Summer 2022! It’s looking to be a replacement for the Wells Fargo Propel American Express Card with some new changes! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass 🔗DOCTOR OF CREDIT BLOG POST – [Confirmed] Wells Fargo To Launch ‘Autograph’ Credit Card, Visa Rebranded Propel with 30,000 Points Signup Bonus: https://www.doctorofcredit.com/rumor-wells-fargo-to-launch-autograph-credit-card-visa-rebranded-propel/ 🔗 VIEW OTHER WELLS FARGO PROPEL AMEX CARDS: https://www.americanexpress.com/us/network/wells-fargo/ 🔗 MORE INFO ABOUT WELLS FARGO AMERICAN EXPRESS CARDS: https://www.americanexpress.com/us/network/wells-fargo/credit-cards/ 🔗 OLD WELLS FARGO PROPEL CARD (Eligible Streaming Services): https://www.wellsfargo.com/credit-cards/propel/streaming 🔗 NEW WELLS FARGO AUTOGRAPH CARD (Eligible Streaming Services): https://www.wellsfargo.com/autographstreaming 🔗 WELLS FARGO TERMS & CONDITIONS PAGE: https://consumercard.wellsfargorewards.com/?product_code=CC&subproduct_code=AC&cx_nm=CXNAME_CSM&FPID=012688IDF40000#/Tnc BACKGROUND Back in 2021, Wells Fargo announced it was going to launch an all-new credit card lineup. Shortly after, two new cards came out: the Wells Fargo Active Cash card earning 2% cash back on all purchases and the Wells Fargo Reflect credit card designed for balance transfers and a low APR. Now, Wells Fargo is launching its 3rd new credit card, the Wells Fargo Autograph Credit Card! RUMORED LAUNCH DATES - In Wells Fargo branches, potentially late June (i.e. around June 25, 2022) - Online, potentially on July 13, 2022 WELCOME OFFER Earn 30,000 Wells Fargo Rewards points after spending $1,500 on purchases in the first 3 months. Value = $300 cash back, so each point is worth 1¢ ($0.01). REWARDS STRUCTURE - 3X Travel - 3X Transit - 3X Dining - 3X Streaming Services - 3X Gas - 3X Phone Plans - 1X Other Purchases REDEEM REWARDS - Cash redemption options, including Wells Fargo Rewards Pool - Charitable donations - Merchandise - Pay with Rewards at Participating PWR Merchants - Physical & digital gift cards - Travel - When redeeming Wells Fargo points, you’ll need to do so in 2,500-point increments (i.e. $25 at a time). Alternatively, you can do 2,000-point increments (i.e. $20 at a time) via a Wells Fargo ATM. - You can also set up automatic point redemptions, subject to the same increments. - Points will not expire as long as your Wells Fargo credit card remains open. ANNUAL FEE = $0 ADDITIONAL BENEFITS - No foreign transaction fees - Cell phone protection - Visa Signature benefits 🎬 MORE CREDIT CARD VIDEOS 🔹 BREAKING NEWS! Wells Fargo to Release NEW CREDIT CARDS in 2021 & 2022! (Wells Fargo Active Cash): https://youtu.be/P50quhyacCw 🔹 5 Reasons Why You NEED Chase Credit Cards: https://youtu.be/StW0TcErRmY 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Amex Green Card Review: https://youtu.be/XRPqj2twpXQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #wellsfargo #wellsfargocreditcard #cashbackcreditcards 2022-06-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343318/chase-freedom-flex-vs-discover-it-cash-back https://gamma.videonest.org/343318_thumbnail_resized_v2.webp https://gamma.videonest.org/343318_video_v3.mp4 Chase Freedom Flex vs. Discover it Cash Back! The Chase Freedom Flex and Discover it Cash Back are two excellent cash back credit cards that are really similar. So, which one is best for you? Let’s compare them and find out! Click “Show More” to see Ad Disclosure. 💳👇 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! https://markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! https://markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! https://markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Let’s begin our comparison of two of the best cash back credit cards with no annual fee! 1. WELCOME OFFERS (May 2022) Chase Freedom Flex Earn $200 Cash Back in the form of 20,000 Chase Ultimate Rewards points after spending $500 in the first 3 months. Also earn 5% cash back at Gas Stations in Year 1 on up to $6,000 spent. Plus, receive a 0% APR on purchases & balance transfers for 15 months, then 15.24% - 23.99%. The max value will be $500. Discover it Cash Back Discover will match all the cash back earned in Year 1. Max value is unlimited. 2. ANNUAL FEES Chase Freedom Flex = $0 Discover it Cash Back = $0 3. EARN CASH BACK Chase Freedom Flex - 5% Quarterly Categories: Up to $1.5K/qtr. - 5% Travel via Chase Ultimate Rewards portal - 3% Dining - 3% Drugstores - 1% Other Discover it Cash Back - 5% Quarterly Categories: Up to $1.5K/qtr. - 1% Other 4. REDEEM CASH BACK - Statement Credit (manual): Both - Statement Credit (automatic): Only Discover it - Direct Deposit (same bank): Both - Direct Deposit (other banks): Both 5. CREDIT CARD BENEFITS - Cash Back Rewards Do Not Expire: Both - No Minimum Redemption Amount: Both - Partner Benefits (Lyft, Fandango, ShopRunner, HelloFresh): Only Chase Freedom Flex - View Credit Score: Both - Foreign Transaction Fees: Chase Freedom Flex = 3% | Discover it Cash Back = None - Authorized Users: Both, $0 each - Choose Card Design: Only Discover it 6. INSURANCE & PROTECTIONS - Zero Liability Protection: Both - Purchase Protection: Only Chase Freedom Flex - Extended Warranty Protection: Only Chase Freedom Flex - Trip Cancellation / Interruption Insurance: Only Chase Freedom Flex - Auto Rental Collision Damage Waiver: Only Chase Freedom Flex - Travel & Emergency Assistance Services: Only Chase Freedom Flex - Cell Phone Protection: Only Chase Freedom Flex 7. WHICH IS BEST? Chase Freedom Flex is best for… - Spending on travel, dining, and drug stores - Insurance & protections - Multi-card setup for travel with Chase (Chase Trifecta) Discover it Cash Back is best for… - No foreign transaction fees - Automatically redeem cash back rewards - Multi-card setup for cash back 8. WHICH ONE TO GET? Get the CHASE FREEDOM FLEX if you… - Spend in the 5% Quarterly Categories - Spend on Travel & willing to do so via Chase UR portal - Value partner benefits - Want to build a multi-card setup for Travel w/ Chase (Trifecta) - Value cell phone protection & other insurance coverages - Value transfer partners when combined w/ CSP or CSR Get the DISCOVER IT CASH BACK if you… - Spend in the 5% Quarterly Categories - Want No Foreign Transactions Fees (and travel to destinations that accept Discover cards) - Don’t need / want insurance & protections - Want to redeem rewards automatically - Have a lower credit score - Are over the Chase 5/24 Rule Get BOTH credit cards if you… - Want to build a multi-card setup for cash back. - Examples on cards that work well together are cash back credit cards with no annual fee, like… - Chase Freedom Flex card - Discover it Cash Back card - Bank of America Customized Cash Rewards card - U.S. Bank Cash+ card - Citi Custom Cash card - Wells Fargo Active Cash card / Citi Double Cash card / Other 2% cash back credit cards Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasefreedom #discoverit #cashbackcreditcards 2022-06-01T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343319/amex-platinum-retention-offer-2022-exactly-what-i-said https://gamma.videonest.org/343319_thumbnail_resized_v2.webp https://gamma.videonest.org/343319_video_v3.mp4 Amex Platinum Retention Offer 2022! (Exactly What I Said) My Amex Platinum Card’s annual fee hit for $695 and I’m fighting back by asking for a retention offer! See what I said & what kind of offers may be available so you can do the same! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏝 RESORT PASS – Get day passes to hotel pools & spas! http://markscreditcards.com/resortpass 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull BACKGROUND I opened my American Express Platinum Card for Schwab back in May 2018, so I’ve had it for about 4 years. Despite having inquired for Amex retention offers nearly every year, I never received one for the Schwab Platinum Card. But with a new year comes a new opportunity to try again! When it comes to the Amex Platinum Card, Amex Gold Card and Amex Green Card you DEFINITELY want to make sure that the cards work for your lifestyle (that is, how you spend your money, how often you travel, your financial goals, etc.). That’s because each one of these cards carries a large annual fee ($695, $250 and $150 respectively), so in a way you’re prepaying for benefits upfront each year. As long as you value the benefits and would normally spend money in those areas, then all checks out. If not, then you’ll likely want to reconsider the card. Instead of canceling or downgrading / product changing right away, you can ask for an Amex retention offer to see if there are some bonus points, statement credits, or other offers that can help you make sense of renewing the card for another year. After chatting with Amex Customer Support, I received 3 different retention offers: 1. Earn 40,000 Membership Rewards Points after spending $3K in 3 months 2. Earn a $400 statement credit after spending $3K in 3 months 3. Receive a $150 statement credit with no spend requirement I opted for the 1st one. To me, 40K Amex Membership Rewards Points are worth $440 when redeemed via my Schwab Platinum Card into my Charles Schwab brokerage account as cash back. So for the next year, my out-of-pocket cost will be: $695 - $440 = $255. AMEX PLATINUM CARD BENEFITS (short version as of May 2022) - Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. - Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. - $200 Hotel Credit: Valid on Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. - $200 Airline Fee Credit - $240 Digital Entertainment Credit - $155 Walmart+ Credit - American Express Global Lounge Collection - $200 Airline Fee Credit: - $200 Uber Cash - $300 Equinox Credit - $189 CLEAR® Credit Terms apply to American Express Card benefits & offers. OTHER TRAVEL CREDIT CARDS TO CONSIDER - Amex Gold Card: Great to earn travel rewards points on gas and grocery purchases - Chase Sapphire Preferred: Great to earn Chase Ultimate Rewards points with a lower annual fee. Many include this card as part of building a Chase Trifecta with the Chase Freedom Unlimited and Chase Freedom Flex cards. - Citi Premier Card: Great travel credit card that earns Citi ThankYou points on a lot of at-home categories. Also serves as one of the best catch all credit cards. - Capital One Venture X Card: Simple-to-use travel rewards card with access to transfer partners, access to Capital One Lounges and Priority Pass lounges, a $300 travel credit, and more 🎬 MORE CREDIT CARD VIDEOS 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Platinum Authorized User Benefits: https://youtu.be/7EI7IV3DIoU 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexplatinum #americanexpress #amexretentionoffer 2022-05-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343320/how-to-redeem-capital-one-venture-miles-simple-method-or-capital-one-purchase-eraser https://gamma.videonest.org/343320_thumbnail_resized_v2.webp https://gamma.videonest.org/343320_video_v3.mp4 How To Redeem Capital One Venture Miles (Simple Method | Capital One Purchase Eraser) Learn the SIMPLE WAY to redeem your Capital One Venture Miles to cover the cost of airfare, hotels, rental cars, and more so you can save money on your next vacation! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull Capital One Venture Miles are some of the best travel rewards in the industry because there are so many ways to use them (often times quite easily, too)! While redeeming Capital One Miles for maximum value requires a more advanced technique of strategically using Capital One transfer partners, this tutorial will focus on the easy method: the Cover Travel Purchases feature (know more casually as the Capital One Purchase Eraser). HOW TO REDEEM CAPITAL ONE REWARDS FOR TRAVEL (“Capital One Purchase Eraser”) Valid for the following cards: - Capital One VentureOne card - Capital One Venture card - Capital One Venture X card 1. Log into your Capital One account 2. Select your Capital One Venture Card 3. Click the View Rewards button 4. Choose the Cover Travel Purchases option 5. View your eligible travel purchases from the past 90 days 6. Select 1 or more, select how many miles you want to use, then click on Continue 7. Review the redemption details & click on Confirm to complete GOOD TO KNOW a. You can use the Capital One Cover Travel Purchases / Purchase Eraser feature for eligible travel purchases, including: - airlines - hotels - rail lines - car rental agencies - limousine services - bus lines - cruise lines - taxi cabs - travel agents - time shares - LINK TO LEARN MORE: https://www.capitalone.com/learn-grow/money-management/ways-to-redeem-venture-miles/ b. Eligible travel purchase must have occurred within the past 90 days. c. If you don’t have enough miles to cover the full cost, you can still redeem what you have to cover a portion of the amount. Then, if you then earn more miles later, you can then go back and redeem them to cover the rest of the balance from the same transaction provided it still occurred less than 90 days ago. d. Your miles will be worth 1¢ ($0.01) each towards travel redemptions. Examples: - 10,000 miles = $100 - 75,000 miles = $750 - 100,000 miles = $1,000 e. You can make redemptions online via desktop / laptop or via the Capital One mobile app CAPITAL ONE COVER TRAVEL PURCHASES vs. BOOK A TRIP - The Cover Travel Purchases feature allows you to redeem your Capital One Venture miles retroactively, that is, after the purchase posts to your account. The reason why this is my preferred way to redeem Capital One Venture Miles is because get value on both ends. That is, you EARN MILES when you charge a travel purchase to your card and then RECEIVE A CASH STATEMENT CREDIT afterwards when you redeem. Also, nearly all types of travel can be covered, even if you didn’t book through the Capital One Travel portal. - The Book A Trip feature allows you to redeem Capital One Venture Miles during the booking process to reduce the price of your trip up front. While nice, this means a smaller amount will be charged to your credit card (or no amount at all if you have enough miles to cover the full cost). Translation: you won’t earn as many miles prior to your redemption. Furthermore, the Capital One Travel portal currently only offers flights, hotels, and car rentals, so the redemption options are more limited. 🎬 MORE CREDIT CARD VIDEOS 🔹Capital One Venture Rewards Credit Card Review: https://youtu.be/bWD9FRBYWpk 🔹Watch Me Apply: Capital One Venture X Credit Card Application: https://youtu.be/aPjSMST3xqc 🔹Capital One Venture X vs. Chase Sapphire Reserve: https://youtu.be/gWzETLG291w 🔹Capital One Venture X Review: https://youtu.be/00L0zsN82Ks Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitalonecreditcards #capitaloneventure #capitalonetravel 2022-05-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343321/bad-news-new-chase-application-rules-signup-bonus-eligibility https://gamma.videonest.org/343321_thumbnail_resized_v2.webp https://gamma.videonest.org/343321_video_v3.mp4 BAD NEWS! NEW Chase Application Rules (Signup Bonus Eligibility) New Chase application rules have gone into effect! Some rules apply to select credit cards while others apply to ALL credit cards. Learn what you need to know! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔗 THE POINTS GUY BLOG POST – Chase adds new warning for sign-up bonuses on select cards – why this shouldn’t affect you: https://thepointsguy.com/news/chase-warning-sign-up-bonuses/ PART 1: NEW SIGNUP BONUS RULES - SELECT CHASE CO-BRANDED CREDIT CARDS a. WORLD OF HYATT CREDIT CARDS - ALL (Personal & Business): If your account is not open for at least three months, Hyatt and Chase reserve the right to deduct the Bonus Points from your World of Hyatt account. Cards affected include: - World of Hyatt Credit Card - World of Hyatt Business Credit Card b. MARRIOTT BONVOY BOLD CREDIT CARD ONLY (Does not apply to Marriott Bonvoy Boundless Credit Card): If your account is not open for at least six months, Marriott and Chase reserve the right to deduct the bonus points from your Marriott Bonvoy account. Cards affected include: - Marriott Bonvoy Bold credit card c. UNITED CREDIT CARDS – ALL (Personal & Business): If your account is not open for at least six months, United and Chase reserve the right to deduct the bonus miles from your MileagePlus Program account. Cards affected include: - United Gateway Credit Card - United Explorer Card - United Quest Card - United Club Infinite Card - United Business Card - United Club Business Card d. IHG CREDIT CARDS – ALL (Personal & Business): Chase may close your credit card account or suspend your right to use your credit card account, at any time for any reason, including account inactivity. Cards affected include: - IHG Rewards Traveler Credit Card - IHG Rewards Premier Credit Card - IHG Rewards Premier Business Credit Card PART 2: NEW SIGNUP BONUS RULES - ALL CHASE CREDIT CARDS (Including ones that earn Chase Ultimate Rewards points) a. Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer, may not be eligible for a second Chase credit card in the same Rewards Program. b. Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing. RECOMMENDATIONS 1. Keep all credit cards open for 1 full year or longer. This goes for Chase credit cards and cards issued by all other issuers. 2. How Often Should I Use My Credit Card? Use all open credit cards at least once every 6 months to prevent account closures due to inactivity. Consider using Chase cards even more frequently if you plan to get 2+ credit cards that earn the same type of rewards (Example: 2 United Credit Cards, 2 IHG Credit Cards, 2 Chase Credit Cards that earn Ultimate Rewards points, 2 Southwest Credit Cards, etc.) 3. Don’t game the system. Getting credit cards for the signup bonus & then canceling or downgrading shortly after may increase your risk of the account being frozen, shut down, and/or points being taken back. Translation: Avoid credit card churning & avoid credit card manufactured spending. Credit cards ought to be used as if they were a debit card, so spend only the money that you'd normally spend on your regular expenses (and for which you have cash in your checking account to pay off your bill in full). 🎬 MORE CREDIT CARD VIDEOS 🔹Amex Gold vs. Chase Sapphire Preferred: https://youtu.be/HolY8a3Jva4 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹5 Reasons Why You Need Chase Credit Cards: https://youtu.be/StW0TcErRmY 🔹Chase 5/24 Rule Explained: https://youtu.be/muJEN8C86JY Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasecreditcards #chaseapplicationrules #chasesapphire 2022-05-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343322/my-1-way-to-redeem-credit-card-rewards https://gamma.videonest.org/343322_thumbnail_resized_v2.webp https://gamma.videonest.org/343322_video_v3.mp4 My #1 Way To Redeem Credit Card Rewards! Today I’m revealing how I personally redeem my credit card rewards with Amex, Chase, hotels, airlines, and more! Hopefully it’ll help you better understand how to use your own credit cards more effectively. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 1. AMEX MEMBERSHIP REWARDS POINTS - REDEEM FOR: I redeem my Amex points for cash back via the Schwab Platinum Card. This gives 1.10¢ per point when redeemed to my Charles Schwab brokerage account, which is significantly better than the regular Amex Platinum Card (0.7¢ per point via statement credit). Example: 50,000 Points = $550. Without the Schwab Platinum Card, those points would only be worth $350. - USE FOR: Non-monthly expenses | Investments 2. CHASE ULTIMATE REWARDS POINTS - REDEEM FOR: I redeem my Chase points for travel primarily and cash back secondarily. This is typically done via my Chase Sapphire Preferred card (CSP), which gives 1.25¢+ per point for travel (50K points = $625) and 1.0¢ per point for cash back (50K points = $500). I may also use the Chase Transfer partners occasionally (esp. World of Hyatt) when I can obtain 1.50¢+ on avg. (50K points = $750). - USE FOR: Flights, hotels, car rentals, etc. primarily | Non-monthly expenses & investments secondarily 3. CAPITAL ONE VENTURE MILES - REDEEM FOR: I redeem Capital One Venture Miles exclusively for travel via the Capital One Venture X card, which gives me 1.0¢ per mile (or more via transfer partners). That makes 50,000 miles = $500. Cash back would yield 50% less value. - USE FOR: Non-chain hotels | Cover travel expenses when I’m saving my other credit card rewards for a different trip. 4. HOTEL REWARDS: POINTS & FREE NIGHT CERTIFICATES - REDEEM FOR: Hotels. My main programs are Marriott Bonvoy, World of Hyatt, Hilton Honors, and IHG Rewards. - REDEMPTION PRIORITY: I redeem my Free Night Certificates first because they expire after 1 year. I’ll then redeem hotel points as those never expire as long as you have qualifying account activity (earn / redeem) every: - Marriott Bonvoy: 24 months - World of Hyatt: 24 months - Hilton Honors: 24 months - IHG Rewards: 12 months 5. AIRLINE REWARDS: POINTS & MILES - REDEEM FOR: I redeem airline miles for flights. The 3 programs I focus most on are American Airlines AAdvantage miles, Southwest Rapid Rewards points, and Frontier Miles. - USE FOR: Flights booked directly with the airline. Most of my travels are domestic. 6. CASH BACK - REDEEM FOR: The rewards earned from my cash back credit cards are redeemed for…cash! This may be a direct deposit to a checking account or savings account, a statement credit to lower my bill, or a check via mail. - USE FOR: Non-monthly expenses | Investments | Fun! FINAL NOTES… - When it comes to travel, I almost always try to use air miles & hotel points FIRST. That’s because they tend to get devalued faster & they tend to have more limited use. - ‘Bank Points’ (Amex Membership Rewards Points, Chase Ultimate Rewards Points, Citi ThankYou Points, Capital One Venture Miles, etc.) tend to hold their value much better and have much broader uses, making them more valuable. For that reason, I focus more on earning them & tend to save them for bigger / more special trips. 🎬 MORE CREDIT CARD VIDEOS 🔹My #1 Default Credit Card Strategy Revealed: https://youtu.be/MrrZBeqFPrc 🔹 7 Best Amex Platinum Card Benefits 2022: https://youtu.be/bz74ofQKM2s 🔹 Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹 Amex Gold vs. Chase Sapphire Preferred: https://youtu.be/HolY8a3Jva4 🔹 How To Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #bestcreditcards #creditcardstrategy #creditcardrewards 2022-05-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343323/big-update-capital-one-venture-bonus-new-cash-back-rewards-turo-partnership-and-more https://gamma.videonest.org/343323_thumbnail_resized_v2.webp https://gamma.videonest.org/343323_video_v3.mp4 *BIG UPDATE!* Capital One Venture Bonus, NEW Cash Back Rewards, Turo Partnership & More! Big updates from Capital One are out! The Capital One Venture card has a new signup bonus, new rewards for Capital One Travel bookings are live, and a new Capital One Turo partnership is here! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull UPDATE #1: NEW CREDIT CARD EARNING RATES | PLUS EXPANSION OF CAPITAL ONE TRAVEL PORTAL - Capital One Travel portal now available to more cardholders! - Earn 5X miles / 5% cash back on hotels & car rentals - Starting May 17, 2022 - Eligible Capital One Credit Cards - Capital One VentureOne | Capital One Venture Rewards Card: 5X miles - Capital One Venture X: 10X miles (+5X miles Flights) - Capital One Spark Miles Business Cards: 5X miles - Capital One Spark Cash Business Cards: 5% cash back - Capital One Quicksilver Cards: 5% cash back - Capital One Savor Cards: 5% cash back - Capital One Student Cards: 5% cash back UPDATE #2: NEW CAPITAL ONE VENTURE CARD WELCOME OFFER - You can now earn 75,000 bonus miles after spending $4,000 in the first 3 months from opening your credit card account. While this is not the highest credit card signup bonus we’ve seen on the Venture card, it’s got a GREAT return on spend. The previous best offer was to earn 100,000 miles, but that required $20K spend in the first 12 months (i.e. a 5% return). This new bonus is equal to an 18.75% return if you spend just $4K. - Capital One Venture miles are worth 1.0¢ each when redeemed as a statement credit to offset travel purchases - There are also many Capital One transfer partners that may be able to provide even greater value when used strategically. Capital One Transfer Partners (1:1 Ratio) - Aeromexico Club Premier - Aeroplan - Asia Miles - Avianca LifeMiles - British Airways Executive Club - Choice Privileges - Emirates Skywards - Etihad Guest - Finnair Plus - Flying Blue - Qantas Frequent Flyer - Singapore Airlines KrisFlyer - TAP Miles&Go - Turkish Airlines Miles&Smiles - Virgin Red - Wyndham Rewards Capital One Transfer Partners (1:1.5 Ratio) - EVA Air Infinity MileageLands Capital One Transfer Partners (1:2 Ratio) - ALL Accor Live Limitless Link to learn more about Capital One Transfer Partners: https://www.capitalone.com/learn-grow/money-management/venture-miles-transfer-partnerships/ UPDATE #3: NEW CAPITAL ONE TURO PARTNERSHIP W/ VENTURE CARDS 🔗 Press Release: Book a Car on Turo With Venture X or Venture and Earn More – Earn 10X miles using Venture X or 5X miles using Venture on Turo bookings: https://www.capitalone.com/learn-grow/more-than-money/turo-capital-one-venture-x-venture-card-10x-5x-miles/ - From now through May 16, 2023, you can earn bonus miles when booking Turo car rentals directly on Turo.com or via the Turo app and charging the purchase to your Capital One Venture X or Capital One Venture Rewards card. - Capital One Venture X: Earn 10X miles on Turo bookings - Capital One Venture Rewards: Earn 5X miles on Turo bookings 🎬 MORE CREDIT CARD VIDEOS 🔹Capital One Venture Rewards Credit Card Review: https://youtu.be/bWD9FRBYWpk 🔹Watch Me Apply: Capital One Venture X Credit Card Application: https://youtu.be/aPjSMST3xqc 🔹Capital One Venture X vs. Chase Sapphire Reserve: https://youtu.be/gWzETLG291w 🔹Capital One Venture X Review: https://youtu.be/00L0zsN82Ks Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitalone #capitaloneventure #capitalonecreditcards 2022-05-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343324/how-to-get-30k-amex-points-for-free-amex-pay-over-time-or-how-to-get-targeted https://gamma.videonest.org/343324_thumbnail_resized_v2.webp https://gamma.videonest.org/343324_video_v3.mp4 How To Get 30K Amex Points for FREE! (Amex Pay Over Time | How To Get Targeted) Want to get up to 30K Amex Membership Rewards points for FREE? I’ll show you how to check for a targeted offer if you have an Amex Green Card, Amex Gold Card, or Amex Platinum Card! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔗 BLOG POST | THE POINTS GUY - Check if you’re targeted for up to 30,000 Amex points by enrolling in Pay Over Time: https://thepointsguy.com/guide/amex-pay-over-time-enrollment-bonus/ WHAT IS AMEX PAY OVER TIME? - Amex Pay Over Time is a flexible financing option that can be turned on / off on Amex charge cards (i.e. Amex Green Card, Amex Gold Card, Amex Platinum Card, Amex Centurion Card / Amex Black Card, Amex Plum Card). - Charge cards normally must be paid in full, meaning you cannot carry a balance from one month to the next. - However, if you activate the Pay Over Time feature, eligible charges of $100 or more can be automatically added to your Pay Over Time balance so you can pay them off over time with interest. - In other words, turning on the Amex Pay Over Time feature makes your Amex charge card function like a hybrid card: part charge card & part credit card. Like a credit card, you’ll also have a Pay Over Time limit. - You can still pay your monthly balance in full by the due date and avoid all interest and fees. - Learn more here: https://www.americanexpress.com/us/benefits/payment-flexibility/pay-over-time/ THE OFFER: EARN 20K – 30K AMEX MEMBERSHIP REWARDS POINTS - Amex often targets people to enroll in the Pay Over Time option. If you do so, you can earn anywhere from 20,000 – 30,000 Amex points for simply activating it. You do not need to actually use the feature by financing your purchases or carrying a balance. It’s simply an incentive to turn the feature on and ‘consider’ using it. HOW TO CHECK IF YOU’RE TARGETED 1. EMAIL. Subject lines may vary. A recent one was: “Good news, [your name]! You’re eligible to earn 30,000 points by activating this flexible payment option.” 2. MAIL. Check your mailbox for a promotional brochure / flyer from American Express. 3. LINK. Try this link & log into your account: https://global.americanexpress.com/lending/activatepayovertime 4. POP UP WINDOW. This may appear when you log into your Amex account and select one of your eligible charge cards (Amex Platinum, Amex Gold, Amex Green, etc. – both business charge cards and personal charge cards have this feature). 5. AMEX OFFERS. Check this section of your account on each of your Amex charge cards. 6. STATEMENTS & ACTIVITY TAB. Log into your Amex account and follow these steps: - Select a charge card - Click on the Statements & Activity tab on the top menu - Choose the Recent Transactions menu option on the left side - Look for an offer to enroll in Pay Over Time on the page, likely underneath Pending Charges and Posted Charges. HOW TO GET TARGETED AMEX OFFERS FOR PAY OVER TIME Amex charge cards usually come with the Pay Over Time feature already activated when you get approved for them. Since the bonus points opportunity is for the activation itself, you’re unlikely to get targeted if the feature is already on. So, turn it off on all charge cards, then simply let time pass to see if an offer comes your way. HOW TO TURN OFF AMEX PAY OVER TIME 1. Log into your Amex account 2. Select one of your Amex charge cards 3. Click on the Account Services tab on the top menu 4. Click on the Payment & Credit Options tab on the left-side menu 5. Choose the ‘Pay Over Time: Inactive’ option to turn it off 6. Tap on the Submit button to save changes 🎬 MORE CREDIT CARD VIDEOS 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexplatinum #amexgold #amexpayovertime 2022-05-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343325/delta-skymiles-gold-card-review https://gamma.videonest.org/343325_thumbnail_resized_v2.webp https://gamma.videonest.org/343325_video_v3.mp4 Delta SkyMiles GOLD Card Review! The Delta SkyMiles Gold American Express Card is a great choice for the occasional Delta flier looking for helpful benefits to make traveling easier. Learn if it’s a good fit for you in this video! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull WELCOME OFFER (May 2022) Earn 40,000 Delta SkyMiles after spending $1,000 on purchases in the first 3 months. The approximate value is about $440 toward flights. ANNUAL FEE = $0 in Year 1, then $99. Rates & Fees: https://oc.brcclx.com/t/?lid=26678525&cr=28319&last_updated=1598580810 EARN DELTA SKYMILES - 2X Delta (purchased directly at delta.com) - 2X Dining at restaurants worldwide | Incl. takeout & delivery in the U.S. - 2X Groceries at U.S. Supermarkets - 1X Other Purchases REDEEM DELTA SKYMILES - Best for flights on Delta or Delta partner airlines within the SkyTeam alliance. - What are Delta SkyMiles worth? On average about 1.1¢ per mile. - Example: 40,000 SkyMiles = $440 (avg.) DELTA SKYMILES GOLD CARD BENEFITS 1st Checked Bag Free - Valid for up to 9 total passengers on the same itinerary - Paying with your Delta Card is not required - You must include your SkyMiles # on the reservation - Exclusions: overweight / oversize bags, authorized user cards, codeshare flights Priority Boarding - Receive Main Cabin 1 Priority Boarding on Delta flights - Valid for up to 9 total passengers on the same itinerary - Paying with your Delta Card is not required - Must include your SkyMiles # on the reservation - Exclusions: Authorized user cards, Delta Shuttle flights 20% Back on In-Flight Purchases - Valid on food, alcoholic beverages, audio headsets - Issued as a statement credit within 8-12 weeks $100 Delta Flight Credit - Receive after spending $10,000 per calendar year - Valid for Delta flight purchases - Exclusions: bag fees, change fees, upgrades, etc. Pay With Miles - Guaranteed flat redemption value of 1.0¢ per mile - Get $50 off flight cost for every 5,000 miles redeemed No Foreign Transaction Fees - Avoid the typical 2% - 3% fee on purchases abroad ShopRunner - Free 2-day shipping & returns at dozens of retailers Instant Card Number - Eligibility based on Amex’s ability to instantly authenticate you SHOULD YOU GET IT? YES if you… - Fly Delta several times per year - Value the convenience of early boarding (get overhead bin space & settle in) - Check bags on 2+ flights per year - Usually buy food / drinks in flight (20% discount) - Want access to simple redemptions at a guaranteed value (1.0¢ per mile) NO if you… - Want to earn Delta SkyMiles quickly long term - Want a good everyday credit card - Want to accelerate earning toward elite status - Desire access to the Delta Sky Club - Don’t value the benefits more than $99/yr. - Prefer cash back rewards 🎬 MORE CREDIT CARD VIDEOS 🔹Delta SkyMiles Platinum Amex Review: https://youtu.be/3h5Py9kiB2A 🔹Are Airline Credit Cards Worth It?: https://youtu.be/WhOdp8Qfyus 🔹Amex Gold vs. Chase Sapphire Preferred: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred: https://youtu.be/YrxI037gJOg 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #deltaskymiles #deltacreditcard 2022-05-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343326/amex-platinum-authorized-user-benefits-2022-explained https://gamma.videonest.org/343326_thumbnail_resized_v2.webp https://gamma.videonest.org/343326_video_v3.mp4 Amex Platinum Authorized User Benefits 2022! (Explained) The Amex Platinum Card is a fantastic travel credit card that has had many lifestyle benefits added to it over the years. Learn which benefits apply to Amex Platinum authorized users so you can share the value with others! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull BACKGROUND There are 2 paths you can take with Amex Platinum Card authorized users (AUs). You can add Gold Card AUs or Platinum Card AUs, and the fees and benefits will vary. AMEX PLATINUM CARD AUTHORIZED USERS – 2 TYPES 1. Add Gold Card Authorized Users to an Amex Platinum Card Account - Annual Fees: $0 for up to 99 cards, subject to approval. 2. Add Platinum Card Authorized Users to an Amex Platinum Card Account - Annual Fees: The first 3 authorized users cost $175 total | The 4th AU and beyond cost $175 each NOTE: All Membership Rewards points earned by authorize users are added to the primary account. AMEX PLATINUM AUTHORIZED USER BENEFITS BENEFIT #1: Earn Membership Rewards Points All Amex Platinum Card authorized users will earn Membership Rewards Points in the same way as the primary Amex Platinum Card account. - 5X Airfare: Booked directly w/ airlines or via AmexTravel.com | Up to $500K/yr. - 5X Prepaid Hotels via AmexTravel.com - 1X Other Purchases - Available to: Amex Gold AU, Amex Platinum AU BENEFIT #2: Global Dining Access by Resy - Exclusive restaurant reservations - Early Access to special experiences - Priority Notify - VIP Diner Badge - Available to: Amex Gold AU, Amex Platinum AU BENEFIT #3: American Express Global Lounge Collection - #1 airport lounge access program of any credit card available to apply for - Access 1,200+ lounges across 130 countries - Includes: Amex Centurion Lounges, Lufthansa Lounges, Delta Sky Clubs, Priority Pass Lounges, Escape Lounges, Plaza Premium Lounges, AirSpace Lounges - Available to: Amex Platinum AU BENEFIT #4: Hotel Elite Status - Marriott Bonvoy Gold Elite Status - Hilton Honors Gold Elite Status - Available to: Amex Platinum AU BENEFIT #5: Amex Fine Hotels & Resorts Program - VIP / elite-like benefits at top hotels around the world - Available to: Amex Platinum AU BENEFIT #6: Annual Statement Credits - $200 Airline Fee Credit - $200 Hotel Credit - $179 CLEAR Credit - $100 Saks Credit - $240 Digital Entertainment Credit - $155 Walmart+ Credit - $300 Equinox Credit - $300 SoulCycle At-Home Bike Credit - Available to: These work a bit differently. Both Amex Platinum Card AUs and Amex Gold Card AUs can use the credits, but they do not receive their own credits. Rather, there’s only 1 credit per total account, so both the primary account holder and all AUs share the credits. BENEFIT #7: TSA PreCheck / Global Entry Credit - Up to $100 per user - Available every 5 years - NOTE: Global Entry includes TSA PreCheck - Available to: Amex Gold AU, Amex Platinum AU (all users get their own credit) BENEFIT #8: Uber Cash Benefit - Up to $200/yr. | Issued as $15/mo. + $35 in Dec. - Auto-added to your Uber acct. - Valid on: Rides, food delivery, grocery delivery (select cities) - Available to: Primary account only. AUs are not eligible. BENEFIT #9: Rental Car Privileges - Avis Preferred Plus - Hertz Gold Plus - National Emerald Club Executive - Available to: Amex Platinum AU BENEFIT #10: ShopRunner - Free 2-day shipping & returns - Dozens of participating retailers - Available to: Amex Gold AU, Amex Platinum AU BENEFIT #11: Amex Offers - Digital coupons that can be added to a card - Earn bonus points, discounts, statement credits, etc. - Available to: Amex Gold AU, Amex Platinum AU 🎬 MORE CREDIT CARD VIDEOS 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexplatinumcard #americanexpress #amexplatinumauthorizedusers 2022-05-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343327/7-best-amex-platinum-card-benefits-how-to-use-them https://gamma.videonest.org/343327_thumbnail_resized_v2.webp https://gamma.videonest.org/343327_video_v3.mp4 7 BEST Amex Platinum Card Benefits! (How to Use Them) The American Express Platinum Card has a very long list of benefits, so here are the Top 7 Benefits that many people will be able to use each year. I’ll explain what they are and how to use them! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull BENEFIT #1: AMEX PLATINUM AIRPORT LOUNGE ACCESS | AMEX GLOBAL LOUNGE COLLECTION It’s currently the best credit card for lounge access on the market right now that’s available to new applicants (i.e. not by invitation only – like the Amex Centurion Card / Amex Black Card). It can get you into over 1,200 lounges across 130 countries, and includes the following: - Amex Centurion Lounges - Lufthansa Lounges - Delta Sky Clubs - Priority Pass Lounges - Escape Lounges - Plaza Premium Lounges - Airspace Lounges BENEFIT #2: AMEX PLATINUM HOTEL ELITE STATUS & RENTAL CAR ELITE STATUS You can enroll in Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Elite Status, plus receive elite benefits with the following car rental companies: Avis, Hertz, National Car Rental. BENEFIT #3: AMEX PLATINUM AIRLINE FEE CREDIT - Up to $200 in statement credits - Renews every calendar year - Eligible Airlines: Alaska American Delta Frontier Hawaiian JetBlue Spirit Southwest United - Eligible Purchases: Only air incidental charges like the following… Checked baggage fees Overweight / oversize bag fees Change fees Phone reservation fees Pet flight fees Airport lounge day passes and annual memberships Seat assignment fees Inflight amenity fees (beverages, food, pillows / blankets, etc.) Inflight entertainment fees (excluding wireless internet) BENEFIT #4: AMEX PLATINUM HOTEL CREDIT - Up to $200 per year - Renews every calendar year - Eligible hotel charges include… The Hotel Collection: Via Amex Travel Portal | 2 Night Minimum | Prepaid Fine Hotels & Resorts: Via Amex Travel Portal | 1 Night Minimum | Prepaid BENEFIT #5: AMEX PLATINUM UBER CASH BENEFIT - $200 Per year - Issued as: $15/mo. Jan. – Nov. | $35 in Dec. - Auto-loaded to Uber acct. - Valid on: Rides, food delivery, grocery delivery (select cities) BENEFIT #6: AMEX PLATINUM DIGITAL ENTERTAINMENT CREDIT - Up to $240/yr. - Issued as $20/mo. stmt. credit - Valid on: Audible, Disney+, ESPN+, Hulu, Peacock, SiriusXM, & The New York Times BENEFIT #7: AMEX PLATINUM SAKS CREDIT | SHOP SAKS WITH PLATINUM CREDIT - Up to $100/yr. - Issued as $50 stmt. credit every 6 months $50 Jan. 01 – Jun. 30 $50 Jul. 01 – Dec. 31 - Valid at: Saks.com & In Saks Fifth Avenue stores IMPORTANT TO KNOW All Amex Platinum Card benefits mentioned in this video require enrollment prior to using them (except the $200 Hotel Credit, which is already active). To activate your Amex Platinum benefits, do the following: 1. Log into your online American Express account 2. Select your Amex Platinum Card 3. Click on the Rewards & Benefits tab on the top menu 4. Select View All Benefits 5. Under the Refine by Category section, click ‘Enroll’ to filter the benefits to display only the ones requiring enrollment / activation. 6. Enroll / activate the ones you want to use JUSTIFICATION If you use only the 5 credits mentioned in this video, you’ll be able to earn back $940 in value. Comparing that to the annual fee of $695, that’s a $245 profit (or more/less if you use additional benefits and value certain ones differently). 🎬 MORE CREDIT CARD VIDEOS 🔹Chase Sapphire Preferred Review: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred: https://youtu.be/YrxI037gJOg 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexplatinum #americanexpress #amexplatinumbenefits 2022-05-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343328/new-benefit-amex-platinum-walmart-plus-gas-discount-how-to-use-it https://gamma.videonest.org/343328_thumbnail_resized_v2.webp https://gamma.videonest.org/343328_video_v3.mp4 *NEW BENEFIT!* Amex Platinum Walmart Plus GAS DISCOUNT! (How to Use It) The Amex Platinum Card now offers a $155 Walmart+ credit, and Walmart recently added Exxon & Mobil gas stations to the membership for up to 10¢/gal. in gas savings! Check it out! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull SETTING THE STAGE The American Express Platinum Card is one of the best credit cards for travel, primarily due to the perks & benefits it offers, including: - Amex Centurion Lounge access - Priority Pass membership - Marriott Bonvoy Gold Elite Status & Hilton Honors Gold Elite Status - $200 Hotel Creidt - $179 CLEAR Credit - Much more However, more recently American Express added a lot of other lifestyle benefits to the card that go beyond travel, and a Walmart Plus membership is one of them. BACKGROUND INFO - Walmart+ is a subscription service & competitor to Amazon Prime that offers free shipping, scan & go, prescription discounts, fuel discounts, and more. Currently $12.95/mo. + tax. - 2 *NEW* Fuel Partners = Exxon & Mobil locations | 3 Existing Fuel Partners = Walmart, Sam’s Club, Murphy - Discount = Save up to 10¢/gal. at participating locations | Typically 5¢-10¢ per gallon - Walmart+ is included w/ Amex Platinum Card! (Monthly Plan) HOW IT WORKS: METHOD 1 1. Sign up for Walmart+ membership. 2. Download current version of Walmart app. 3. Enable location services. 3. Drive to an Exxon / Mobil gas station & open the app. It will identify you’re at a participating location. 5. Enter your pump #. 6. Select your method of payment. 7. Pump gas; discount automatically applied. HOW IT WORKS: METHOD 2 1. Sign up for Walmart+ membership. 2. Download current version of Walmart app. 3. Drive to an Exxon / Mobil gas station. 4. Select Services tab, then Member Prices on fuel. 5. Scan QR code. 6. Select your method of payment. 7. Pump gas; discount automatically applied. AMEX PLATINUM WALMART+ BENEFIT: How to get your monthly Walmart+ membership fee covered by Amex 1. Go to walmart.com/plus/amexplatinum 2. Sign up for Walmart+ monthly membership - Existing members: Set Amex Platinum Card as payment method. If you have an annual membership, you must switch to monthly. 3. Charge monthly membership to Amex Platinum Card 4. Receive statement credit each month for $12.95 + tax. Statement credits usually show up in a few days but may take up to 6-8 weeks. 🎬 MORE CREDIT CARD VIDEOS 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexplatinum #americanexpress #amexwalmartplus 2022-04-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343329/whats-in-my-wallet-q2-2022-or-credit-card-strategy-2022 https://gamma.videonest.org/343329_thumbnail_resized_v2.webp https://gamma.videonest.org/343329_video_v3.mp4 WHAT’S IN MY WALLET Q2 2022 | Credit Card Strategy 2022 Take a look inside my wallet to see which credit cards I’m using for Q2 2022! A lot has changed compared to my default credit card setup since my focus is much more on travel credit cards. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull CREDIT CARD #1: CAPITAL ONE VENTURE X Welcome Offer (April 2022) Earn 75,000 Capital One Venture miles after spending $4K in the first 3 mo. Rewards - 10X Hotels: Booked via Capital One Travel portal - 10X Rental Cars: Booked via Capital One Travel portal - 5X Flights: Booked via Capital One Travel portal - 2X Other Purchases Annual Fee = $395 Why It’s in My Wallet - Capital One Lounge - Pay health insurance - Non-bonus spend CREDIT CARD #2: RITZ CARLTON CREDIT CARD Welcome Offer (April 2022): N/A, discontinued credit card to new applicants. You can still acquire it via product change from either the Marriott Bonvoy Boundless or the Marriott Bonvoy Bold, both issued by Chase. Rewards - 6X Marriott - 3X Airline - 3X Car Rentals - 3X Dining - 2X Other Purchases Annual Fee = $395 Why It’s in My Wallet - Limited-time spend offer: 10X Marriott | Valid Apr. 01 – Jun. 30 | Up to $1,500 spent - $300 Travel Credit: Air incidental fees CREDIT CARD #3: WORLD OF HYATT CREDIT CARD Welcome Offer (April 2022) - Earn 60,000 Points - Tier 1: Earn 30,000 points after spending $3,000 in the first 3 months - Tier 2: Earn up to 30,000 more points: 2X per $1 spent for the first 6 months on up to $15,000 total spend. Rewards - 4X Hyatt - 2X Restaurants - 2X Airline Tickets: Purchased directly from airlines - 2X Local Transit & Commuting - 2X Fitness Club & Gym Memberships - 1X Other Purchases Annual Fee = $95 Why It’s in My Wallet - Limited-time spend offer: 5X Gas Stations | 5X Grocery Stores | Valid Apr. 01 – Jun. 30 | Up to $1,500 spent CREDIT CARD #4: AMERICAN EXPRESS PLATINUM CARD FOR SCHWAB (SCHWAB PLATINUM CARD) Welcome Offer (April 2022) Earn 100,000 Amex Membership Rewards Points after spending $6,000 on purchases in the first 6 mo. Rewards - 5X Flights: Booked directly w/ airlines & via Amex Travel portal | Valid on up to $500K spent per calendar year - 5X Prepaid Hotels: Via Amex Travel portal - 1X Other Purchases Annual Fee = $695 Why It’s in My Wallet - 5X Points on flights - Centurion Lounge access CREDIT CARD #5: AMEX BUSINESS GOLD CARD Welcome Offer (April 2022) Earn 70,000 Amex Membership Rewards Points after spending $10,000 on purchases in the first 3 mo. Rewards - 4X Top 2 Spend Categories* | Valid on up to $150K spend in combined purchases each calendar year, then 1X - 1X Other Purchases *Eligible Categories include: - Airfare purchased directly from airlines - U.S. purchases for advertising in select media (online, TV, radio) - U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions - U.S. purchases at gas stations - U.S. purchases at restaurants, (incl. takeout and delivery) - U.S. purchases for shipping Annual Fee = $295 Why It’s in My Wallet - Welcome Offer: 90K targeted | Amex no lifetime language offer - Pay taxes - Tech purchases CREDIT CARD #6: CHASE SAPPHIRE PREFERRED Welcome Offer (April 2022) Earn 80,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first 3 mo. Rewards - 5X Travel: Chase UR portal | Excludes hotel purchases that qualify for the $50 Anniversary Hotel Credit - 3X Dining: Incl. takeout & eligible delivery services - 3X Online Grocery: Excl. Target, Walmart, Wholesale Clubs - 3X Select Streaming - 2X Other Travel (non portal) - 1X Other Purchases Annual Fee = $95 Why It’s in My Wallet - Welcome Offer CREDIT CARD #7: DISCOVER IT CASH BACK CARD Welcome Offer (April 2022) Discover Cash Back Match Rewards - 5% Quarterly Categories (Currently Gas Stations & Target for Q2 2022) - 1% Other Purchases Annual Fee = $0 Why It’s in My Wallet - 5% Cash Back at Target Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #whatsinmywallet #bestcreditcards #creditcards 2022-04-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343330/watch-me-apply-chase-sapphire-preferred-application-2022 https://gamma.videonest.org/343330_thumbnail_resized_v2.webp https://gamma.videonest.org/343330_video_v3.mp4 *WATCH ME APPLY* Chase Sapphire Preferred Application 2022! Today I’m applying for the Chase Sapphire Preferred card with an 80K bonus! Watch to see if I get approved and what my credit score was. Hopefully it gives you the confidence to apply too! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull WELCOME OFFER (April 2022) Earn 80,000 Chase Ultimate Rewards points after spending $4,000 in the first 3 months. ANNUAL FEE = $95 EARNING POINTS - 5X Travel via Chase UR portal | Must book via Ultimate Rewards portal | Excludes hotel purchases that qualify for the $50 Anniversary Hotel Credit - 3X Dining: Incl. takeout & eligible delivery services - 3X Online Grocery: Excl. Target, Walmart, Wholesale Clubs - 3X Select Streaming - 2X Other Travel (non portal) - 1X Other Purchases CHASE SAPPHIRE PREFERRED BENEFITS - $50 Anniversary Hotel Credit: Automatic statement credit for hotels booked via Ultimate Rewards portal, up to $50 credit. Renews every account anniversary year. Does not earn points. - 10% Anniversary Points Bonus: Every account anniversary you'll earn bonus points equal to 10% of your total purchases made in the prior year. Example: if you spent $15,000 on purchases, you’ll earn 1,500 bonus points. - Visa Signature Luxury Hotel Collection: VIP perks at upscale hotels. - DoorDash: Free DashPass membership for 12+ months, valid thru 12.31.2024. - Lyft: Earn 5X points on qualifying Lyft purchases, valid thru 3.31.2025. - Peloton: Earn 5x total points on each Peloton Bike and Tread purchase, up to 25,000 total points earned. Valid thru 6.30.2022 - No Foreign Transaction Fees MY CREDIT SCORE / CREDIT REPORT – BEFORE Credit Scores - Experian: 778 (FICO Score 8) - TransUnion: 809 (VantageScore 3.0) - Equifax: 824 (VantageScore 3.0) Inquiries - Experian: 7 - TransUnion: 5 - Equifax: 1 New Accounts - Past 6 months: 1 - Past 12 months: 2 - Past 24 months: 3 Average Age of Accounts - 4 years 2 months Prior Relationship - Chase Checking & Savings accounts, both personal - Chase credit cards (personal) - Chase business credit cards WHICH CREDIT BUREAU DOES CHASE USE? - Chase used Experian for my credit card application. Results may vary based on location. MY CREDIT SCORE / CREDIT REPORT – AFTER - My Experian credit score increased from 778 to 792, an increase of 14 points. This was not due to the new inquiry or a new account being added, rather, other credit factors were updated on my report that caused this increase. - My inquiry count on Experian went from 7 to 8. - My New Accounts increased by 1 for the following lookback periods: 6 mo., 12 mo., 24 mo. 🎬 MORE CREDIT CARD VIDEOS 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹Chase Sapphire Preferred $50 Hotel Credit (How to Use It | Demo): https://youtu.be/pkjAZmWq21U 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasecreditcards #creditcardapplication #chasesapphirepreferred 2022-04-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343331/amex-platinum-card-review-6-years-later-my-journey https://gamma.videonest.org/343331_thumbnail_resized_v2.webp https://gamma.videonest.org/343331_video_v3.mp4 Amex Platinum Card Review 6 Years Later (My Journey!) I got the Amex Platinum Card about 6 years ago and have had at least 1 version open ever since. Here’s my full journey with the card, why I got it, and why the Amex Centurion Lounge was a big factor! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull PART 1: WHERE IT ALL BEGAN | AMEX PREMIER REWARDS GOLD CARD (Precursor to the Amex Gold Card) Date: Feb. 2016 Annual Fee: $0 in Year 1, then $195 Welcome Offer: Earn 25,000 Amex Membership Rewards points after spending $2K in the first 3 months. Rewards: - 3X Airlines - 2X U.S. Restaurants - 2X U.S. Gas Stations - 2X U.S Supermarkets - 1X Other Purchases Main Benefits: - $100 Airline Fee Credit - The Hotel Collection - Insurance coverages - No Foreign Transaction Fees More Context: At this time, you could buy Centurion Lounge day passes for $50 each with any American Express credit card (even the ones with no annual fee, cobranded airline credit cards, cobranded hotel credit cards, etc.). I knew the Amex Platinum Card offered unlimited Centurion Lounge access, but I wanted to experience the lounge before committing fully. So, it was the Premier Rewards Gold Card that got me in for the first time on that day pass rate, and I was sold from that point forward! PART 2: MY 1ST AMEX PLATINUM CARD Date: May 2016 Annual Fee: $450 Welcome Offer: Earn 40,000 Amex Membership Rewards points after spending $3K in the first 3 months. Rewards: - 1X All Purchases Main Benefits: - $200 Airline Fee Credit - Up to $100 Global Entry / TSA PreCheck Credit - Global Lounge Collection - Fine Hotels & Resorts - Hotel Elite Status: SPG Gold Elite Status, Hilton Honors Gold Elite Status - Rental Car Elite Status: Avis, Hertz, National - Boingo Wi-Fi Plan More Context: I applied & got approved for the Amex Platinum Card to use the Centurion Lounge frequently (I probably use it 15-20 times that year). PART 3: AMEX PLATINUM CARD REFRESH Date: March 2017 Annual Fee: $550 Welcome Offer: Earn 60,000 Amex Membership Rewards Points after spending $5K in the first 3 months Rewards: - 5X Flights (Booked Direct or via Amex Travel Portal) - 5X Prepaid Hotels (Booked via Amex Travel Portal) - 1X Other Purchases Main Benefits: - All previous benefits, plus… - $200 Uber Credit - $100 Saks Credit - Note: SPG Gold Elite Status was converted to Marriott Bonvoy Gold Elite Status PART 4: AMEX SCHWAB PLATINUM CARD Date: May 2018 Annual Fee: $550 Welcome Offer: Same as regular 60K Amex Platinum Card offer. Rewards: Same as regular Amex Platinum Card Main Benefits: - Same as regular Amex Platinum Card, plus… - Invest With Rewards: Redeem Amex Membership Rewards points as cash back into an eligible Schwab account (e.g. Schwab brokerage account) at 1.25¢ per point. PART 5: CANCEL AMEX PLATINUM CARD Date: June 2018 I canceled my original Amex Platinum Card (i.e. the one with the $450 annual fee – later refreshed to $550 – that was opened in May 2016. So, I had it for about 2 years). PART 6: MY 2ND (REGULAR) AMEX PLATINUM CARD Date: October 2019 Welcome Offer: Standard 60K offer. I applied for another ‘vanilla’ Platinum Card (i.e. not cobranded) because it was an Amex No Lifetime Language offer. Also, the Boingo Wi-Fi Plan was removed from the Amex Platinum Card as of May 01, 2019. PART 7: 2ND AMEX PLATINUM CARD REFRESH Annual Fee: $695 Welcome Offer: Earn 100,000 Membership Rewards points after spending $6K in the first 6 months. Rewards: No change. Main Benefits: - All prior benefits, plus… - $300 Equinox Credit - $300 SoulCycle Credit - $240 Digital Entertainment Credit - $200 Hotel Credit - $179 CLEAR Credit - $155 Walmart+ Credit - Note: On the Schwab version, the Invest With Rewards feature decreased to a 1.10¢ cash out rate as of Sep. 01, 2021. PART 8: AMEX PLATINUM X ART DESIGNS - No changes to welcome offer, annual fee, rewards, or benefits. - 2 new art designs became available: Platinum x Julie Mehretu, Platinum x Kehinde Wiley Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexplatinum #amexcreditcards 2022-04-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343332/limited-time-chase-sapphire-preferred-80k-bonus-plus-how-to-redeem-chase-points https://gamma.videonest.org/343332_thumbnail_resized_v2.webp https://gamma.videonest.org/343332_video_v3.mp4 *LIMITED TIME* Chase Sapphire Preferred 80K BONUS! (PLUS How To Redeem Chase Points!) The Chase Sapphire Preferred 80K BONUS is back for a limited time! Learn what it’s worth, how to redeem Chase Sapphire points for travel & cash back, and how to use Chase transfer partners for maximum value! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull CHASE SAPPHIRE PREFERRED 80,000 POINT BONUS (Limited Time) Earn 80,000 Chase Ultimate Rewards points after spending $4,000 in the first 3 months ANNUAL FEE = $95 VALUE OF CHASE POINTS (80K BONUS) - Cash Back: $800 as a statement credit or deposit to a checking account or savings account. This makes Chase points worth 1¢ ($0.01) each. - Chase Pay Yourself Back: $1,000 as a statement credit in select categories, currently: Airbnb, select charities. This makes Chase points worth 1.25¢ ($0.0125) each. - Travel (Chase Ultimate Rewards portal): $1,000. This makes Chase points worth 1.25¢ ($0.0125) each. - Travel (Chase Transfer Partners): $1,360 (avg). This makes Chase points worth 1.7¢ ($0.017) each on average. CHASE SAPPHIRE PREFERRED ELIGIBILITY 1. Must be below Chase 5/24 rule. That is, you must have opened 4 or fewer credit cards in the past 24 months that appear on your credit report). 2. You must not have any Chase Sapphire credit card open (including Chase Sapphire Preferred, Chase Sapphire Reserve, and the no-fee Chase Sapphire card). 3. You must not have received a Chase Sapphire bonus in the past 48 months. HOW TO REDEEM CHASE POINTS | HOW TO REDEEM CHASE ULTIMATE REWARDS a. Log into your Chase account b. Click on your points balance / ‘Redeem points’ link c. In the Ultimate Rewards portal, select the Main Menu d. You’ll see all redemption options, including: Apple, Cash Back, Dining, Gift Cards, Pay with Points, Pay Yourself Back, Transfer to Travel Partners, and more. CHASE TRANSFER PARTNERS Airlines - Aer Lingus, AerClub - Air Canada Aeroplan - British Airways Executive Club - Emirates Skywards - Flying Blue Air France KLM - Iberia Plus - JetBlue TrueBlue - Singapore Airlines KrisFlyer - Southwest Airlines Rapid Rewards - United MileagePlus - Virgin Atlantic Flying Club Hotels - IHG Rewards (IHG One Rewards) - Marriott Bonvoy - World of Hyatt 🎬 MORE CREDIT CARD VIDEOS 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹Chase Sapphire Preferred $50 Hotel Credit (How to Use It | Demo): https://youtu.be/pkjAZmWq21U 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasesapphire #travelcreditcards #chasecreditcards 2022-04-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343333/look-out-big-chase-credit-card-spend-bonuses-q2-2022 https://gamma.videonest.org/343333_thumbnail_resized_v2.webp https://gamma.videonest.org/343333_video_v3.mp4 *LOOK OUT!* BIG Chase Credit Card SPEND BONUSES! (Q2 2022) Limited-time spend bonuses have been released for Chase credit cards! All of them are valid from 4/01/2022 – 6/30/2022 and are targeted to select co-branded cards (airline, hotel, retail). Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS – Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔗 HELPFUL LINKS TO VIEW CHASE CREDIT CARD SPEND BONUSES: 1. Chase Credit Card Bonus Checker (any card): https://www.chase.com/mybonus 2. Southwest Credit Card Bonus Enrollment: https://www.chase.com/mybonus/afswa21 3. United Credit Card Bonus Enrollment 1 (Spend $6K, Get 6K points): https://www.chase.com/mybonus/afunited21 4. United Credit Card Bonus Enrollment 2 (Earn 5X - 6X): https://www.chase.com/mybonus/trgunited4 5. Avios Credit Card Bonus Enrollment 1 (Spend $5K, Get 15K Avios): https://www.chase.com/mybonus/afavios21 6. Avios Credit Card Bonus Enrollment 2 (Earn 5X - 9X): https://www.chase.com/mybonus/trgavios1 MY 3 CHASE CREDIT CARD SPEND BONUSES… OFFER #1 | World of Hyatt Credit Card - 5X Gas Stations - 5X Grocery Stores - Valid from 4/01/2022 – 6/30/2022 - Up to $1,500 in combined purchases - Activate by June 30, 2022 OFFER #2: Ritz Carlton Credit Card - 10X Marriott - 5X Other Travel - 5X Gas Stations - 5X Grocery Stores - Valid from 4/01/2022 – 6/30/2022 - Up to $1,500 in combined purchases - Activate by June 30, 2022 OFFER #3: Amazon Prime Rewards Visa Signature Card - 5% All Travel - 5% Gas Stations - 3% Grocery Stores - Valid from 4/01/2022 – 6/30/2022 - Up to $1,500 in combined purchases - Activate by June 30, 2022 OTHER CHASE CREDIT CARD SPEND BONUSES INCLUDE… SOUTHWEST CREDIT CARDS - Earn 6,000 Southwest Rapid Rewards points after spending $6K or more - Valid from 4/01/2022 – 6/30/2022 - Activate by June 30, 2022 - Eligible Cards: - Southwest Rapid Rewards Plus - Southwest Rapid Rewards Premier - Southwest Rapid Rewards Priority - Southwest Rapid Rewards Performance Business - Southwest Rapid Rewards Plus Business - Southwest Rapid Rewards Premier Business UNITED CREDIT CARDS | Version 1 - Earn 6,000 United miles after spending $6K or more - Valid from 4/01/2022 – 6/30/2022 - Activate by June 30, 2022 - Eligible Cards: - United Presidential Plus Card - United Club Card - United MileagePlus Card - United MileagePlus Awards Card - United MileagePlus Select Card - United Business Card - United Club Business Card - United Presidential Plus Business Card - United Explorer Card UNITED CREDIT CARDS | Version 2 - 6X United - 5X Other Travel - 6X Gas Stations - 6X Grocery Stores - Valid from 4/01/2022 – 6/30/2022 - Up to $1,500 in combined purchases - Activate by June 30, 2022 - Eligible Cards: United Explorer Card AVIOS CREDIT CARDS | Version 1 - Earn 15,000 Avios when you spend $5K or more - Valid from 4/01/2022 – 6/30/2022 - Activate by June 30, 2022 - Eligible Cards: - British Airways Visa Signature Card - Aer Lingus Visa Signature Card - Iberia Visa Signature Card AVIOS CREDIT CARDS | Version 2 - 9X Avios on British Airways, Aer Lingus, and Iberia flights - 5X Other Travel - 5X Grocery Stores - 5X Gas Stations - Valid from 4/01/2022 – 6/30/2022 - Up to $1,500 in combined purchases - Activate by June 30, 2022 - Eligible Cards: - British Airways Visa Signature Card - Aer Lingus Visa Signature Card - Iberia Visa Signature Card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasecreditcards #travelcreditcards #creditcardbonus 2022-04-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343334/5percent-cash-back-categories-q2-2022-chase-freedom-flex-discover-it-citi-custom-cash-more https://gamma.videonest.org/343334_thumbnail_resized_v2.webp https://gamma.videonest.org/343334_video_v3.mp4 5% CASH BACK CATEGORIES Q2 2022! (Chase Freedom Flex, Discover it, Citi Custom Cash, more!) Here are the 5% Cash Back Categories for Q2 2022. Included are the Chase Freedom Flex card, Discover it Cash Back card, Citi Dividend card, U.S. Bank Cash+ card, and Citi Custom Cash card. (Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull CREDIT CARD #1: CHASE FREEDOM FLEX 5% Amazon.com - Includes: Digital downloads, Amazon.com Gift Cards, Amazon.com Fresh orders, Amazon.com Prime subscriptions, and items sold by third party merchants through Amazon.com's marketplace. 5% Select Streaming Services - Includes: Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, YouTube TV, HBO Max, Paramount+, Peacock, Showtime. - Note 1: You’ll earn 5% on up to $1,500 in combined spend per quarter. - Note 2: This card earns Chase Ultimate Rewards points. - Activation Link: https://creditcards.chase.com/freedom-credit-cards/flexcalendar CREDIT CARD #2: DISCOVER IT CASH BACK 5% Gas Stations - Includes: Purchases made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. - Excludes: Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. 5% Target - Includes: Purchases made at Target.com, through the Target app, or in-store at Target. - Excludes: Purchases from individual merchants and stand-alone stores within physical Target locations may not be eligible for this promotion. Purchases made online or through the Target app from Target affiliates, individual merchants or stand-alone stores may not be eligible for this promotion, including, but not limited to, targetoptical.com and targetphoto.com. - Note: You’ll earn 5% on up to $1,500 in combined spend per quarter. - Activation Link: https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.html CREDIT CARD #3: CITI DIVIDEND CARD 5% Drugstores - Includes: Purchases made at pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs if those merchants submit purchases made in their pharmacy with the drug store and pharmacy merchant category code. 5% Grocery Stores - Includes: Purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. - Excludes: Purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code. - Note: You’ll earn 5% on up to $6,000 in combined spend per year. - Activation Link: https://www.citi.com/credit-cards/credit-cards-citi/citi.action?ID=dividend-quarterly-offer CREDIT CARD #4: U.S. BANK CASH+ CARD 5% Choice Category (Pick 2) - Fast Food - TV, Internet, Streaming Services - Cell Phone Providers - Home Utilities - Department Stores - Electronic Stores - Sporting Goods Stores - Movie Theaters - Gyms / Fitness Centers - Furniture Stores - Ground Transportation - Select Clothing Stores 2% Choice Category (Pick 1) - Grocery Stores - Restaurants - Gas Stations & EV Charging Stations - Note: You’ll earn 5% on up to $2,000 in combined spend per quarter. - Merchant List: https://cashplus.usbank.com/merchants - Activation Link: https://cashplus.usbank.com CREDIT CARD #5: CITI CUSTOM CASH CARD 5% Top Eligible Spend Category - Restaurants - Gas Stations - Grocery Stores - Select Travel - Select Transit - Select Streaming Services - Drugstores - Home Improvement Stores - Fitness Clubs - Live Entertainment - Note 1: You’ll earn 5% in the category in which you spent the most, on up to $500 spent per billing cycle. - Note 2: This card earns Citi ThankYou points. Merchant List: https://www.citi.com/credit-cards/citi-custom-cash-credit-card (Scroll down and click on the ‘Additional information’ link) Activation Link: N/A, calculated automatically. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #cashbackcalendar #chasefreedom #discoverit 2022-04-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343335/breaking-paypal-credit-card-now-the-best-2percent-card https://gamma.videonest.org/343335_thumbnail_resized_v2.webp https://gamma.videonest.org/343335_video_v3.mp4 *BREAKING!* PayPal Credit Card Now The BEST 2% Card? A BIG UPDATE to the PayPal Cashback Mastercard is coming! Soon you’ll be able to earn a guaranteed 2% cash back on all purchases, and 3% when you pay with PayPal (still with no annual fee)! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 📄 PRESS RELEASE – PayPal Introduces New Cashback Credit Card to Make Checkout with PayPal Even More Rewarding: https://finance.yahoo.com/news/paypal-introduces-cashback-credit-card-120000711.html The PayPal Cashback credit card, issued by Synchrony Bank, is being relaunched with a stronger rewards program! The credit card will now earn 2% CASH BACK on all purchases with no cap, PLUS 3% CASH BACK when paying with PayPal at checkout, including: online, via mobile app, and in-store purchases with PayPal QR Codes where eligible. Furthermore, you’ll be able to access rewards daily, meaning the usual lag time of waiting for a monthly billing cycle to close won’t be necessary. For REDEMPTIONS, you can choose between statement payments, making purchases with retailers, or transferring funds to a linked bank account or debit card. There will also be a WELCOME OFFER of earning a one-time $100 cash back bonus on your first $500 spent on the card (timeframe TBD). While we do not yet know the official launch date of the revamped PayPal credit card, there is currently a WAIT LIST LINK here: https://www.paypal.com/us/webapps/mpp/credit-card/cashback-mastercard-list The general info page is here: www.paypal.com/cashback Lastly, if you already have the PayPal Cashback Mastercard, it will automatically receive the new cash back rewards structure. There’s no need to reapply. This definitely seems like a new product positioning against the Apple Card, which earns 3% Daily Cash when you use Apple Pay with select merchants, 2% Daily Cash when you use Apple Pay everywhere it’s accepted, and 1% everywhere else when the physical card is used. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #paypal #paypalcreditcard #cashbackcreditcards 2022-04-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343336/8-reasons-why-i-dont-like-bank-of-america-credit-cards https://gamma.videonest.org/343336_thumbnail_resized_v2.webp https://gamma.videonest.org/343336_video_v3.mp4 8 Reasons Why I DON’T LIKE Bank of America Credit Cards Here are my TOP 8 REASONS why Bank of America credit cards are not rewarding, exciting, or competitive on their own, and why most people will likely get far better value with other cards from other banks. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull REASON 1: NOT ENOUGH COMPELLING CREDIT CARD CHOICES There are 2 (or 3, depending on how you count) main cash back credit cards and 6 main travel credit cards, none of which offer strong rewards or benefits on their own. REASON 2: CASH BACK CREDIT CARDS ARE NOT COMPETITIVE The Customized Cash Rewards Card has a 3-2-1 rewards structure: - 3% Choice* - 2% Grocery Stores* - 2% Wholesale Clubs* - 1% Other *Up to $2,500 in combined 3% and 2% categories per qtr. The Unlimited Cash Rewards Card earns 1.5% cash back on all purchases. Compare these 2 credit cards to 2 other cards from other banks… The Chase Freedom Flex card has a 5-3-1 rewards structure: - 5% Travel (via Chase Ultimate Rewards portal) - 5% Quarterly Categories* - 3% Restaurants - 3% Drugstores - 1% Other *Up to $1,500 spent per qtr. The Citi Double Cash credit card earns 2% cash back on all purchases (1% when you buy, 1% when you pay) All of these are credit cards with NO annual fee. So between these options, it’s quite clear which products are the most rewarding. REASON 3: TRAVEL CREDIT CARDS ARE NOT COMPETITIVE Similarly, Bank of America’s travel credit cards don’t offer much on their own. Here are their rewards structures, all of which are very similar with low multipliers. Bank of America Travel Rewards 1.5X All Purchases Bank of America® Premium Rewards - 2X Travel - 2X Dining - 1.5X Other Bank of America® Premium Rewards Elite - 2X Travel - 2X Dining - 1.5X Other REASON 4: BANK OF AMERICA IS PICKY ABOUT CREDIT CARD APPROVALS It will likely be more difficult to get approved for a BOA credit card without a preexisting relationship (checking, savings, prior credit card, etc.) 2/3/4 Rule: You may be approved for the following… 2 new cards in a 2-month period 3 new cards in a 12-month period 4 new cards in a 24-month period 3/12 Rule: If you DO NOT have a bank account with BOA and you have opened 3 or more new credit cards in the past 12 months with any bank, your application will likely be denied. 7/12 Rule: If you DO have a bank account with BOA and you have opened 7 or more new credit cards in the past 12 months with any bank, your application will likely be denied. REASON 5: CREDIT CARD LINEUP HAS ZERO CREATIVITY Many of their cards are duplicates but designed for different credit scores. The same product may come in the following versions: secured credit card, student credit card, regular credit card. REASON 6: THEIR TOP-TIER CREDIT CARD IS A DISASTER - Welcome Offer of 50,000 points (worth $500) does not cover the cost of the annual fee ($550) in Year 1. - Has identical rewards structure & TSA Pre / GE credit as the mid-tier “Premium Rewards®” card ($95 AF). - 20% Airfare Savings benefit only valid when you pay with points - Airline Incidental Credit ($300) only works for incidental charges made on domestic-originated flights on certain U.S.-domestic airline carriers, and does not include the cost of a ticket. Also not valid on Allegiant Air, Spirit Airlines, or Sun Country Airlines. Other restrictions apply. - Lifestyle Credit only gives you $150 towards your “lifestyle” - No airline or hotel transfer partners REASON 7: NO TRANSFER PARTNERS Credit cards issued by Citi, Chase, American Express, and Capital One all offer travel credit cards that offer transfer partners to various airline and/or hotel programs. REASON 8: YOU NEED BIG MONEY TO GET BIG VALUE The Bank of America Preferred Rewards program DOES make many of their credit cards highly rewarding, but only if you are at the Platinum Honors level with $100K or more in assets. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #bankofamerica #cashbackcreditcards #bankofamericacreditcards 2022-04-04T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343337/chase-ink-business-preferred-unboxing https://gamma.videonest.org/343337_thumbnail_resized_v2.webp https://gamma.videonest.org/343337_video_v3.mp4 Chase Ink Business Preferred UNBOXING! My new Chase Ink Business Preferred ARRIVED! I requested expedited delivery and it was sent via UPS Next Day Air Saver. Here’s the credit card unboxing video, plus the reasons why I got the card! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🎬 VIDEO: Chase Ink Business Preferred Review https://youtu.be/FD9s65RZtRk 🎬 VIDEO: Watch Me Apply – Chase Ink Business Preferred https://youtu.be/YOfyZk7QcNA WHY I APPLIED FOR THE CHASE INK BUSINESS PREFERRED (CIBP) 1. Welcome Bonus 100,000 Chase Ultimate Rewards points = $1,250+ towards travel or $1,000 for cash back. That’s a nice profit after paying the $95 annual fee. 2. Potential Replacement to the Chase Sapphire Preferred (CSP) I want to get the CSP again with a welcome offer (ideally with an 80K bonus), but to do that, I’ll need to downgrade existing my existing CSP to make that happen. That’s because Chase will not allow you to open a new Sapphire-branded credit card & get a bonus if you already have one open (also be aware of the Chase 5/24 Rule and Chase 48 Month Rule). The Chase Ink Business Preferred (CIBP) has identical transfer partners as the CSP and the same 25% greater point value for travel, which are the 2 main reasons why I have the CSP. So, by downgrading the CSP to the Chase Freedom Unlimited (CFU), I could still maintain those 2 benefits via the CIBP. 3. Pay Taxes & Business Expenses Easy way to meet welcome offer spend requirement with these large expenses I have coming up. 4. Does Not Increase 5/24 Count You must be below 5/24 to get approved, but getting approved will not increase your 5/24 count. Example: If you’re at 4/24 now, apply & get approved for the CIBP, then you’ll still be at 4/24 after. CHASE INK BUSINESS PREFERRED BENEFITS WELCOME OFFER (March 2022) Earn 100,000 Chase Ultimate Rewards points after spending $15,000 on purchases in the first 3 months of card membership. Value = $1,000 cash back or $1,250+ towards travel via the Chase Ultimate Rewards portal. The APR will be a variable 15.99% - 20.99% based on creditworthiness and other factors. ANNUAL FEE = $95 EARNING POINTS 3X Shipping* 3X Advertising via Social Media Sites & Search Engines* 3X Internet, Cable & Phone Services* 3X Travel* 1X Other Purchases *Earn 3X on up to $150,000 spent in combined purchases per account anniversary year. KEY BENEFITS - 25% More Value: Points are worth 25% more for travel via the Chase Ultimate Rewards portal compared to cash back - Transfer Partners: Transfer Chase points into other airline & hotel programs - Employee Cards = $0 annual fee - No Foreign Transaction Fees - Insurance & Protections: Trip Cancellation / Trip Interruption Insurance, Roadside Dispatch, Auto Rental Collision Damage Waiver (primary when renting for business purposes), Cell Phone Protection, Purchase Protection, Extended Warranty Protection CHASE TRANSFER PARTNERS Airlines - Aer Lingus AerClub - British Airways Executive Club - Emirates Skywards - Flying Blue AIR FRANCE KLM - Iberia Plus - JetBlue TrueBlue - Singapore Airlines KrisFlyer - Southwest Airlines Rapid Rewards - United MileagePlus - Virgin Atlantic Flying Club Hotels - IHG Rewards - Marriott Bonvoy - World of Hyatt Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasebusinesscredit #businesscreditcards #chaseink 2022-03-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343338/watch-me-apply-chase-ink-business-preferred-chase-business-credit-card-application https://gamma.videonest.org/343338_thumbnail_resized_v2.webp https://gamma.videonest.org/343338_video_v3.mp4 *WATCH ME APPLY* Chase Ink Business Preferred (Chase Business Credit Card Application) Watch me apply for the Chase Ink Business Preferred credit card with a 100,000 point welcome offer worth $1,250+ towards travel! If approved, it'll complete my Chase Trifecta on the business side! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🎬 VIDEO: Chase Ink Business Preferred Review https://youtu.be/FD9s65RZtRk WELCOME OFFER (March 2022) Earn 100,000 Chase Ultimate Rewards points after spending $15,000 on purchases in the first 3 months of card membership. Value = $1,000 cash back or $1,250+ towards travel via the Chase Ultimate Rewards portal. The APR will be a variable 15.99% - 20.99% based on creditworthiness and other factors. ANNUAL FEE = $95 EARNING POINTS 3X Shipping* 3X Advertising via Social Media Sites & Search Engines* 3X Internet, Cable & Phone Services* 3X Travel* 1X Other Purchases *Earn 3X on up to $150,000 spent in combined purchases per account anniversary year. KEY BENEFITS - 25% More Value: Points are worth 25% more for travel via the Chase Ultimate Rewards portal compared to cash back - Transfer Partners: Transfer Chase points into other airline & hotel programs - Employee Cards = $0 annual fee - No Foreign Transaction Fees - Insurance & Protections: Trip Cancellation / Trip Interruption Insurance, Roadside Dispatch, Auto Rental Collision Damage Waiver (primary when renting for business purposes), Cell Phone Protection, Purchase Protection, Extended Warranty Protection CHASE TRANSFER PARTNERS Airlines - Aer Lingus AerClub - British Airways Executive Club - Emirates Skywards - Flying Blue AIR FRANCE KLM - Iberia Plus - JetBlue TrueBlue - Singapore Airlines KrisFlyer - Southwest Airlines Rapid Rewards - United MileagePlus - Virgin Atlantic Flying Club Hotels - IHG Rewards - Marriott Bonvoy - World of Hyatt MY CREDIT SCORE / CREDIT REPORT – BEFORE Credit Scores - Experian: 785 (FICO Score 8) - TransUnion: 803 (VantageScore 3.0) - Equifax: 823 (VantageScore 3.0) Inquiries - Experian: 6 - TransUnion: 6 - Equifax: 1 New Accounts - Past 6 months: 1 - Past 12 months: 2 - Past 24 months: 4 Average Age of Accounts - 4 years 1 month Prior Relationship - Chase Checking & Savings accounts, both personal - Chase credit cards, personal - Chase credit cards, business WHICH CREDIT BUREAU DOES CHASE USE? - Chase used Experian for my small business credit card application. Results may vary. MY CREDIT SCORE / CREDIT REPORT – AFTER - My Experian credit score dropped from 785 to 778, a drop of 7 points - My inquiry count on Experian went from 6 to 7, an increase of 1 point - Nothing else changed GOOD TO KNOW - Chase business credit cards do not get reported to your personal credit report, so they do not affect your credit score beyond the inquiry. - The Chase 5/24 Rule does apply to Chase business credit cards, but in a different way than with personal credit cards. You must be below 5/24 to get approved, but if you get approved, then the new card will not increase your 5/24 count. Example: You’re at 4/24, get approved for a Chase business credit card, and still remain at 4/24 after. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasebusinesscredit #businesscreditcards #chaseink 2022-03-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343339/breaking-3-new-ihg-credit-cards-are-here-ihg-premier-ihg-traveler-ihg-business https://gamma.videonest.org/343339_thumbnail_resized_v2.webp https://gamma.videonest.org/343339_video_v3.mp4 *BREAKING!* 3 New IHG Credit Cards Are HERE! (IHG Premier, IHG Traveler, IHG Business) The 3 NEW IHG Rewards Credit Cards LAUNCHED TODAY March 24, 2022! Let’s do a Chase website tour to view the revamped IHG Premier Card, IHG Traveler Card, and IHG Business Premier Card! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull ❗️🎬❗️ CORRECTION VIDEO (Legacy IHG Credit Card Benefits | IHG Premier $89 | IHG Select $49): https://youtu.be/QIEjKEEdkEc IHG REWARDS TRAVELER CREDIT CARD - 5X IHG Hotels - 3X Utilities - 3X Internet, Cable & Phone - 3X Select Streaming Services - 3X Restaurants - 3X Gas Stations - 2X Other Purchases - Automatic IHG Silver Elite Status - Earn IHG Gold Elite Status after spending $20K, plus 1 additional purchase - Earn 10,000 bonus points after spending $10K, plus 1 additional purchase - IHG 4th Night Free On Award Stays - Annual Fee = $0 IHG REWARDS PREMIER CREDIT CARD - 10X IHG Hotels - 5X Gas Stations - 5X Travel - 5X Restaurants / Dining - 3X Other Purchases - IHG Annual Free Night Certificate, value up to 40K points - Top Off Free Night Certificate (i.e. combine certificate + points) - Automatic IHG Platinum Elite Status - Achieve IHG Diamond Elite Status (formerly IHG Spire Elite) after spending $40K - Earn 10,000 bonus points + $100 statement credit after spending $20K, plus 1 additional purchase - IHG 4th Night Free On Award Stays - United TravelBank Cash benefit: Up to $50 per calendar year ($25 in January and $25 in July). Go here to activate: https://www.ihg.com/content/us/en/deals/member-offers/unitedoffers/united) - Annual Fee = $99 *NEW!* IHG REWARDS PREMIER BUSINESS CREDIT CARD - Same rewards & benefits as the IHG Premier Card above, plus 2 additional rewards categories and the ability to earn a 2nd Free Night. See details below. - 10X IHG Hotels - 5X Select Business (Social Media & Search Engine Advertising) - 5X Office Supply Stores - 5X Gas Stations - 5X Travel - 5X Restaurants / Dining - 3X Other Purchases - IHG Annual Free Night Certificate, value up to 40K points - Earn a 2nd IHG Annual Free Night Certificate, up to 40K points, after spending $60K - Top Off Free Night Certificate (i.e. combine certificate + points). This benefit works on both free night certificates (i.e. the one that’s automatically issued and the one earned via spend) - Automatic IHG Platinum Elite Status - Achieve IHG Diamond Elite Status (formerly IHG Spire Elite) after spending $40K - Earn 10,000 bonus points + $100 statement credit after spending $20K, plus 1 additional purchase - IHG 4th Night Free On Award Stays - United TravelBank Cash benefit: Up to $50 per calendar year ($25 in January and $25 in July). Go here to activate: https://www.ihg.com/content/us/en/deals/member-offers/united - Annual Fee = $99 Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #ihgrewards #ihgpremier #hotelcreditcards 2022-03-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343340/breaking-new-capital-one-rewards-capital-one-entertainment-concerts-sports-dining-and-more https://gamma.videonest.org/343340_thumbnail_resized_v2.webp https://gamma.videonest.org/343340_video_v3.mp4 *BREAKING!* New Capital One Rewards (Capital One Entertainment: Concerts, Sports, Dining, and more) Got Capital One Venture Miles or cash back without travel plans? Starting March 24, 2022 the all-new Capital One Entertainment portal goes LIVE for concerts, sporting events, dining experiences, and more! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔗 PRESS RELEASE – Announcing Capital One Entertainment (A new ticketing platform for rewards card holders unlocking exclusive access to experiences across sports, music, dining and more): https://www.capitalone.com/about/newsroom/capital-one-entertainment/ CAPITAL ONE ENTERTAINMENT: THE DETAILS! Capital One Entertainment is coming soon as an all-new ticketing platform for eligible Capital One rewards cardholders. It’ll unlock unforgettable experiences across sports, dining, music and more. On the backend, it’s powered by Vivid Seats, which has been a prior partnership with Capital One credit cards. This new Entertainment platform will allow cardholders to redeem their rewards (cash back and miles) for tickets to more than 500,000 events. WHEN? The platform will roll out to cardholders on Thursday, March 24, 2022! HOW TO ACCESS By going to this link: CapitalOne.com/entertainment SPECIAL PACKAGES Capital One Entertainment also gives cardholders access to a collection of premium packages at events throughout the year. In particular for Capital One Venture X credit cardholders, they’ll be able to redeem the following ticket packages for 100,000 Venture miles: - NCAA Men’s Final Four Weekend in New Orleans (April 1 - 4, 2022) including 2 suite seats, passes to Capital One JamFest and Men’s Final Four Fan Fest presented by Capital One. - iHeartCountry Festival in Austin, TX (May 7, 2022), which includes premium tickets and access to a sound check with headliner Thomas Rhett. - Other exclusive experiences will be added throughout the year including events like the iHeartRadio Music Festival, Capital One Orange Bowl, the College Football National Championship, James Beard Foundation events, the MICHELIN Guide culinary events and more! SPECIAL CASH BACK EARNINGS FOR CAPITAL ONE SAVOR & CAPITAL ONE SAVORONE CARDS Savor and SavorOne cardholders will earn 8% cash back on Capital One Entertainment purchases! MAIN HIGHLIGHTS OF CAPITAL ONE ENTERTAINMENT: 1. It’s a digital-first platform (i.e. mobile device friendly) with no need to make a phone call (hurray…no long wait times!) :D 2. In a few clicks of a mouse or taps with your finger, you can browse & purchase event tickets with options to redeem your rewards, use a Capital One credit card, or a combination of both. 3. Obtain access to unforgettable experiences that are only available to eligible Capital One customers. Capital One Entertainment is offering tickets to once-in-a-lifetime experiences at upcoming events. 4. These exclusive experiences are available for redemption only, by all Capital One eligible branded rewards cardholders, including the following: - Capital One Venture X - Capital One Venture - Capital One VentureOne - Capital One Savor - Capital One SavorOne - Capital One SavorOne Student - Capital One Quicksilver - Capital One QuicksilverOne - Capital One QuicksilverOne Student - Capital One Spark Cash Plus - Capital One Spark Cash Select - Capital One Spark Miles - Capital One Spark Miles Select - Capital One Spark Classic - Capital One Journey credit cards The ticketing experience is available through the Capital One mobile app, Capital One site, or by going to CapitalOne.com/entertainment. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitalone #capitaloneentertainment #capitaloneventure 2022-03-23T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343341/my-1-default-credit-card-strategy-revealed https://gamma.videonest.org/343341_thumbnail_resized_v2.webp https://gamma.videonest.org/343341_video_v3.mp4 My #1 Default Credit Card Strategy REVEALED! Curious about which credit cards I use MOST? :D If I’m not working on a signup bonus, retention offer, or distracted by something else, then these are the cards I use most often for my regular spend. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull BACKGROUND My default credit card strategy is cash back, plus travel on the side. By that I mean in my day-to-day life, I prefer to earn cash back rewards to cover expenses, invest, etc. Then when I decide to travel, I like to use travel credit cards because I can often get more value with points and miles than I can with cash back. PART 1: THE CORE American Schwab Platinum Card - 5X Flights (5.5% return) - Airport lounge access: Centurion Lounge, Priority Pass, Escape Lounge, Delta SkyClub, etc. - Redeem Membership Rewards points for 1.10¢ each (e.g. 10,000 points = $110) Amex Gold Card - 4X U.S. Supermarkets, up to $25K spent per year (4.4% return) - 4X Dining Worldwide (4.4% return) Amex Green Card - 3X Travel at non-chain hotels, car rentals, etc. (3.3% return) - 3X Transit for tolls, parking, rideshares, etc. (3.3% return) Amex Blue Business Plus - 2X Other Purchases, up to $50K spent per year (2.2% return) PART 2: CASH BACK CREDIT CARDS Chase Freedom Flex - 5% Quarterly Categories, up to $1.5K spent per qtr. Discover it Cash Back - 5% Quarterly Categories, up to $1.5K spent per qtr. U.S. Bank Cash+ - 5% Gym - 5% Internet Up to $2K spent in combined 5% categories per qtr. Citi Custom Cash - 5% Live Entertainment - 5% Gas Stations Citi Double Cash - 2% Other Non-Amex purchases (1% when you buy, 1% when you pay). May replace with SoFi Credit Card. PNC Cash Rewards - 4% Gas Stations (when Citi Custom Cash is used for Live Entertainment) Amazon Prime Rewards Visa Signature - 5% Amazon PART 3: HOTEL CREDIT CARDS Marriott Bonvoy Brilliant American Express Card - 6X Marriott Hotels - Free Night Award (up to 50K point value) - Elite Night Credits (15/yr.) Ritz Carlton Credit Card - Free Night Award (up to 50K point value) Marriott Bonvoy Premier Plus Business - Free Night Award (up to 35K point value) Marriott Bonvoy Business Card - Free Night Award (up to 35K point value) - Elite Night Credits (15/yr.) Hilton Honors Business Card - 12X Hilton Hotels - Free Night Reward (after spending $15K) - Hilton Honors Gold Status World of Hyatt Credit Card - 4X Hyatt Hotels - Free Night (up to 15K point value) Wyndham Rewards Earner Business Card - 8X Wyndham Hotels - Anniversary Bonus (15K points) - Diamond Elite Status PART 4: AIRLINE CREDIT CARD CitiBusiness AAdvantage Platinum Select World Elite Mastercard - Preferred Boarding - Free Checked Bag - 25% Off Inflight Wi-Fi - 25% Inflight Food & Beverage - 1 Loyalty Point per $1 spent CREDIT CARDS I USE MOST OFTEN 1. Chase Freedom Flex 2. Citi Custom Cash 3. Discover it Cash Back 4. U.S. Bank Cash+ 5. Amazon Prime Rewards Visa Signature 6. Amex Gold Card 7. Amex Blue Business Plus AVERAGE RETURN (of the 7 most used cards) = 4.5% SUMMARY - I currently have 42 credit cards as of March 22, 2022 - Of those 42, this video featured 19 that I use most often throughout the year - Of those 19, I use 7 with the highest frequency FINAL NOTE: You may notice that I’m not running a Chase Trifecta setup that everyone raves about (I do have the Chase Sapphire Preferred, but not the Chase Sapphire Reserve). That doesn’t mean you should or should not use it – or any other credit card setup – yourself. Remember to get the credit cards that reward YOU the most in the areas in which YOU spend the most, while also giving you the benefits YOU value the most. Credit card setups are a personal thing ;-) And yes, the Chase Trifecta is AWESOME. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcardstrategy #bestcreditcards #cashbackcreditcards 2022-03-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343342/chase-sapphire-preferred-dollar50-hotel-credit-how-to-use-it-or-demo https://gamma.videonest.org/343342_thumbnail_resized_v2.webp https://gamma.videonest.org/343342_video_v3.mp4 Chase Sapphire Preferred $50 HOTEL CREDIT! (How to Use It | Demo) Ready to use your Chase Sapphire Preferred $50 Hotel Credit? This step-by-step demo will show you how! PLUS, get a behind-the-scenes look at what you could expect when booking a Hilton (or other major chain) hotel. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull A FEW THINGS TO KNOW FIRST… 1. You must book your hotel through the Chase Ultimate Rewards portal 2. A maximum of $50 can be used & no minimum spend amount is required 3. Activation is not required; it’s already active! 4. You can use the credit across multiple stays in case one booking did not use the full amount 5. A statement credit should show up approximately 2 days after the transaction posts to your account 6. The credit is based on cardmember anniversary year (i.e. the date when you opened the account) HOW TO USE THE CHASE SAPPHIRE PREFERRED $50 ANNUAL HOTEL CREDIT 1. Log into your Chase account 2. Click on your points balance / 'redeem' link like you’re going to redeem your points 3. Click on your Chase Sapphire Preferred card 4. This will take you to the Ultimate Rewards portal 5. Go to the Main Menu 6. Select Travel 7. Search for a hotel 8. Go through the checkout process & charge the stay to your Sapphire Preferred credit card POINTS TO CONSIDER… - Many large hotel chains that have a loyalty program (Marriott Bonvoy, Hilton Honors, World of Hyatt, IHG Rewards, etc.) may not issue hotel points or elite night credits, or recognize your elite benefits for your stay when booking via 3rd-party portals – including Chase’s. If you value those things, it’s recommended to book directly with the hotel websites for those stays. - Since the Chase Ultimate Rewards portal is considered a 3rd-party portal, consider booking non-chain / boutique hotels that don’t participate in a loyalty program. Also consider booking large-program hotels via the portal if you don’t care about rewards or status in a specific program. - Also weigh your options. If the $50 statement credit would give you more value than the number of hotel points and/or benefits you’d receive, it could be a good tradeoff using the portal, too. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasesapphire #sapphirepreferred #travelcreditcards 2022-03-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343343/5-best-credit-cards-for-college-students-2022-best-student-credit-cards https://gamma.videonest.org/343343_thumbnail_resized_v2.webp https://gamma.videonest.org/343343_video_v3.mp4 5 BEST Credit Cards For COLLEGE STUDENTS 2022! (Best Student Credit Cards) Are you in school and looking to build credit in 2022? Here are 5 of the BEST credit cards for students that can help you start your journey while earning cash back rewards along the way! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull CREDIT CARD #1: CAPITAL ONE SAVORONE REWARDS FOR STUDENTS Welcome Offer (March 2022) N/A Annual Fee = $0 Cash Back Rewards - 8% Vivid Seats: Valid thru Jan. 31, 2023 | Includes: applicable taxes & fees | Excludes: 3rd-party items added to ticket, like insurance - 3% Dining - 3% Entertainment - 3% Streaming Services - 3% Grocery Stores - 1% Other Purchases Main Benefits - Capital One Dining: Access to exclusive reservations at top restaurants & tickets to exceptional culinary experiences - Must-See Music Events: Access to tickets to some of the biggest concerts and music festivals, plus perks like VIP packages, on-site cardholder lounges and more - Big-Time Sports Events: Access to VIP experiences, discounts and on-site perks - No Foreign Transaction Fees: Avoid the typical 2% - 3% fee for purchases outside of the U.S. - Protections: Extended Warranty + Travel Accident Insurance CREDIT CARD #2: CAPITAL ONE QUICKSILVER REWARDS FOR STUDENTS Welcome Offer (March 2022) N/A Annual Fee = $0 Cash Back Rewards - 1.5% All Purchases Main Benefits - Must-See Music Events: Access to tickets to some of the biggest concerts and music festivals, plus perks like VIP packages, on-site cardholder lounges and more - Big-Time Sports Events: Access to VIP experiences, discounts and on-site perks - No Foreign Transaction Fees: Avoid the typical 2% - 3% fee for purchases outside of the U.S. - Protections: Extended Warranty + Travel Accident Insurance CREDIT CARD #3: DISCOVER IT STUDENT CASH BACK Welcome Offer (March 2022) - Unlimited Cashback Match: Discover will match all of the cash back you earn in Year 1 (e.g. If you earn $200 from your spending, Discover will give you $400), PLUS 0% APR for the first 6 months on purchases, then 12.99% – 21.99% variable. Annual Fee = $0 Cash Back Rewards - 5% Quarterly Categories: Up to $1,500 spend per quarter when you activate, then 1% - 1% Other Purchases Discover Cashback Calendar 2022 - Qtr. 1 (Jan. – Mar.): Grocery Stores and Fitness Club & Gym Memberships - Qtr. 2 (Apr – Jun.): Gas Stations & Target - Qtr. 3 (Jul. – Sep.): Restaurants & PayPal - Qtr. 4 (Oct. – Dec.): Amazon.com & Digital Wallets Main Benefits - FICO credit score for free CREDIT CARD #3: BANK OF AMERICA CASH REWARDS CREDIT CARD FOR STUDENTS Welcome Offer (March 2022) - Earn $200 cash back after spending $1,000 in the first 90 days, PLUS a 0% APR for the first 15 billing cycles on new purchases or balance transfers, then 13.99% - 23.99% variable. Annual Fee = $0 Cash Back Rewards - 3% Choice Category* (Choose from: Travel, Dining, Gas, Online Shopping, Drug Stores, and Home Improvement / Furnishings) - 2% Grocery Stores* - 2% Wholesale Clubs* - 1% Everything Else *On the first $2,500 in combined 3% and 2% purchases each quarter. Main Benefits - FICO Credit Score For Free - $0 Liability Guarantee for fraudulent transactions - Digital Wallet Compatibility - Contactless Chip Technology CREDIT CARD #5: DESERVE EDU MASTERCARD Welcome Offer (March 2022) N/A Annual Fee = $0 Cash Back Rewards - 1.0% All Purchases Main Benefits - $69 Amazon Prime Student Benefit: After spending $500 in the first 3 mo., use your card to sign up for an Amazon Prime Student subscription and get reimbursed up to $69 (i.e. $69 for annual | $7.49/mo. for monthly, up to 10 mo.) - Cell Phone Protection: Coverage is limited to damage or theft up to $600 per claim. Subject to T&C, plus a fifty dollar ($50) deductible. The maximum liability is $600 per claim occurrence, and $1,000 per twelve (12) month period. - No SSN Required: International students don’t need a Social Security Number (SSN) to apply. - No Foreign Transaction Fees Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #studentcreditcards #creditcardsforbeginners #creditcardsforcollegestudents 2022-03-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343344/best-1-credit-card-setups-2022-best-catch-all-credit-cards https://gamma.videonest.org/343344_thumbnail_resized_v2.webp https://gamma.videonest.org/343344_video_v3.mp4 BEST 1 CREDIT CARD SETUPS 2022! (Best Catch All Credit Cards) Do you prefer using only 1 credit card? Or do you like to use a few credit cards together? Either way, here are my TOP PICKS for the best standalone credit cards (that also work as part of a bigger credit card strategy). Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull CREDIT CARD #1: CAPITAL ONE SAVORONE Welcome Offer (March 2022) Earn $200 cash back after spending $500 on purchases within the first 3 months, PLUS 0% APR for the first 18 months on purchases & balance transfers, then 14.99% to 24.99% variable APR. Annual Fee = $0 Rewards - 8% Vivid Seats: Valid thru Jan. 31, 2023 - 3% Dining - 3% Entertainment - 3% Streaming Services - 3% Grocery Stores - 1% Other Purchases Main Benefits - Capital One Dining - Capital One Entertainment (music events, sporting events, etc.) - Capital One Offers - No Foreign Transaction Fees - Protections CREDIT CARD #2: PNC CASH REWARDS VISA Welcome Offer (March 2022) 0% APR for the first 12 months on balance transfers, then 13.99% to 24.99% variable APR. Annual Fee = $0 Rewards - 4% Gas Stations* - 3% Dining at Restaurants* - 2% Grocery Stores* - 1% Other Purchases * On the first $8,000 in combined purchases each year Main Benefits - Dedicated U.S.-Based Customer Service - Contactless Technology - Fraud Protection / Zero Liability Protection - PNC Easy Lock® CREDIT CARD #3: CITI PREMIER CARD Welcome Offer (March 2022) Earning 60,000 points after spending $4,000 on purchases within the first 3 months. Avg. value = $600+ towards travel. Annual Fee = $0 Rewards - 3X Flights - 3X Hotels - 3X Restaurants - 3X Supermarkets - 3X Gas Stations - 1X Other Purchases Main Benefits - $100 Annual Hotel Savings Benefit - Transfer Partners - No Foreign Transaction Fees CREDIT CARD #4: CHASE SAPPHIRE PREFERRED Welcome Offer (March 2022) Earn 60,000 points after spending $4,000 on purchases within the first 3 months. Avg. value = $750+ towards travel. Annual Fee = $95 Rewards - 5X Travel (Portal) - 3X Online Grocery | Excl. Target, Walmart, Wholesale Clubs - 3X Dining - 3X Select Streaming - 2X Travel (Non-Portal) - 1X Other Purchases Main Benefits - $50 Anniversary Hotel Credit - 10% Anniversary Points Bonus - Transfer Partners - Visa Signature Luxury Hotel Collection - Partner Benefits: DoorDash, Peloton, Lyft - Protections - No Foreign Transaction Fees CREDIT CARD #5: HILTON HONORS AMERICAN EXPRESS SURPASS Welcome Offer (March 2022) Earn 130,000 points, plus a Free Night Award, after spending $2,000 on purchases within the first 3 months. Avg. value = $850+ towards Hilton hotels. Annual Fee = $95 Rewards - 12X Hilton - 6X U.S. Supermarkets - 6X U.S. Restaurants - 6X U.S. Gas Stations - 3X Other Purchases Main Benefits - Hilton Honors Gold Status - Hilton Honors Diamond Status: Spend $40K in 1 calendar year - Weekend Night Reward: Spend $15K in 1 calendar year - Priority Pass Select: 10 free lounge visits per year (excl. partner restaurants) - ShopRunner Membership - Protections - No Foreign Transaction Fees CREDIT CARD #6: AMEX BLUE CASH PREFERRED Welcome Offer (March 2022) Earn $300 cash back after spending $3,000 on purchases within the first 6 months. Plus, 0% APR for the first 12 months on purchases, then 13.99% to 23.99% variable APR. Annual Fee = $0 intro fee in Year 1, then $95 Rewards - 6% U.S. Supermarkets: Up to $6K spent / yr. - 6% Select U.S. Streaming - 3% Transit - 3% U.S. Gas Stations - 1% Other Purchases Main Benefits - $120 Equinox+ Credit - ShopRunner - Protections CREDIT CARD CATEGORY #7: 2% CASH BACK CREDIT CARDS / 2X POINT CREDIT CARDS - Citi Double Cash - Wells Fargo Active Cash - SoFi Credit Card - Fidelity Rewards Visa Signature - Paypal Cashback Mastercard - Amex Blue Business Cash - Amex Blue Business Plus - Capital One Spark Business Cash Select (2%) - Capital One Venture - Capital One Venture X - TD Double Up - TD Business Solutions Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #bestcreditcards #creditcardrewards #creditcardstrategy 2022-03-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343345/how-to-combine-chase-points-chase-freedom-to-sapphire-points-or-plus-share-with-spouse https://gamma.videonest.org/343345_thumbnail_resized_v2.webp https://gamma.videonest.org/343345_video_v3.mp4 HOW TO COMBINE CHASE POINTS! (Chase Freedom to Sapphire Points | Plus Share With Spouse) Do you want to combine Chase points for greater value or share them with another person? This video will show you how, step by step, so you can maximize the value of your points! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull WHY COMBINE CHASE POINTS? - Get more value via Chase Pay Yourself Back feature - Get more value via Travel redemptions via Chase Travel Portal (i.e. Ultimate Rewards portal) - Get access to Chase transfer partners Chase’s no-annual-fee credit cards give a lower redemption value for select redemptions (especially travel) and DO NOT offer transfer partner functionality. Chase’s ‘fee cards’ give a higher redemption value for select redemptions (especially travel) and DO offer transfer partner functionality. VALUE OF CHASE POINTS (when redeeming) Chase Freedom Flex - Cash Back: 1.0¢ - Pay Yourself Back: 1.10¢ - Travel (Portal): 1.0¢ - Travel (Transfer Partners): N/A Chase Freedom Unlimited - Cash Back: 1.0¢ - Pay Yourself Back: 1.10¢ - Travel (Portal): 1.0¢ - Travel (Transfer Partners): N/A Chase Ink Business Cash - Cash Back: 1.0¢ - Pay Yourself Back: 1.10¢ - Travel (Portal): 1.0¢ - Travel (Transfer Partners): N/A Chase Ink Business Unlimited - Cash Back: 1.0¢ - Pay Yourself Back: 1.10¢ - Travel (Portal): 1.0¢ - Travel (Transfer Partners): N/A Chase Sapphire Preferred - Cash Back: 1.0¢ - Pay Yourself Back: 1.25¢ - Travel (Portal): 1.25¢ - Travel (Transfer Partners): 1.8¢ (avg.) Chase Ink Business Preferred - Cash Back: 1.0¢ - Pay Yourself Back: 1.25¢ - Travel (Portal): 1.25¢ - Travel (Transfer Partners): 1.8¢ (avg.) Chase Sapphire Reserve - Cash Back: 1.0¢ - Pay Yourself Back: 1.5¢ - Travel (Portal): 1.5¢ - Travel (Transfer Partners): 1.8¢ (avg.) HOW TO COMBINE CHASE FREEDOM AND SAPPHIRE POINTS (AND CHASE INK POINTS) 1. Log into your Chase account 2. Click on a card that earns Chase Ultimate Rewards points 3. Go to Ultimate Rewards portal (by clicking on your rewards balance / 'redeem' link) 4. Click on a card that earns Chase Ultimate Rewards points (a second time, if it asks you) 5. Once you’re at the Ultimate Rewards dashboard, go to the Main Menu 6. Choose ‘Combine Points’ 7. Follow the prompts 8. Repeat if you have multiple cards HOW TO COMBINE CHASE POINTS WITH SPOUSE (TRANSFER / SHARE WITH OTHER PEOPLE) 1. To combine (i.e. transfer / share) Chase points with another person, they must be a member of your household (for personal credit cards) or an owner of the business (for business credit cards). 2. First-time transfers done via phone by calling the number on back of your card, providing the other person’s card account number, and having the rep link it to your profile. 3. Future transfers can be done online, following the same procedure as combining points with your own accounts (the other cardholder’s account should appear). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasefreedom #chasesapphire #chaseultimaterewards 2022-03-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343346/5-reasons-why-i-love-the-citi-custom-cash-card https://gamma.videonest.org/343346_thumbnail_resized_v2.webp https://gamma.videonest.org/343346_video_v3.mp4 5 Reasons Why I LOVE the CITI CUSTOM CASH CARD! The Citi Custom Cash is one of the BEST cash back credit cards with no annual fee, AND it can work well as part of a travel credit card setup! Learn why it’s worth adding to your wallet! (Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull REASON #1: WELCOME OFFER + NO ANNUAL FEE As of March 2022, earn $200 cash back after spending $750 on purchases in the first 3 months of account opening. Plus, receive a 0% intro APR for the first 15 months on purchases & balance transfers, then 13.99% - 23.99% variable. Of course, the intro APR is NOT an invitation to spend more money than you’d spend normally. Rather, it can be helpful to pay down existing balances on other cards faster and/or finance a large purchase, both of which can be done interest free for 15 months. Be sure to pay off the entire balance in full prior to the intro APR expiration date to avoid all interest charges. Offer Notes: - Citi will only issue one Citi Custom Cash Card account per person. - Bonus is not available if you already received one for opening a new Citi Custom Cash Card account in the past 48 months. REASON #2: 10-IN-1 REWARDS CATEGORY What I’m referring to is the “5% Top Eligible Spend” rewards category. It allows you to earn 5% cash back in the category where you spent the most each billing cycle. Valid on the first $500 spent each cycle. The eligible categories are below: - Restaurants - Gas Stations - Grocery Stores - Select Travel - Select Transit - Select Streaming Services - Home Improvement Stores - Live Entertainment - Drugstores - Fitness Clubs 🎬 To learn what counts for each category, watch my Citi Custom Cash review video here: https://youtu.be/YHj6-ZC8LyA REASON #3: EARNS CASH BACK IN THE FORM OF CITI THANKYOU POINTS Why this is a good thing… (a) You still get the same value as if you were earning true cash back 1 point = 1¢ ($0.01) 5% cash back = 5X points Example: If you spend $100 in a 5% category, you’ll earn… $100 x 5 points = 500 points = $5.00 cash back (b) You can obtain BIG potential value for travel via transfer partners when combined with the Citi Premier Card (i.e. 1 point = 1.0¢ - 2.0¢+) REASON #4: COMBINE POINTS WITH OTHER CITI CREDIT CARDS That is, you can combine Citi ThankYou Points earned from multiple Citi cards to create a more powerful setup for cash back or travel. Example: - The Citi Prestige Card earns 5X on air travel, restaurants, and travel agencies - The Citi Premier Card earns 3X on air travel, hotels, restaurants, supermarkets, and gas stations - The Citi Double Cash card earns 2X on all purchases (1X when you buy, 1X when you pay) - The Citi Rewards+ Card earns 2X on supermarkets and gas stations, PLUS rounds up all purchases to the nearest 10 points, PLUS gives you 10% points back when redeeming (up to 100,000 points redeemed per year). You can use the right card for the right purchase to earn the highest amount of points possible, then combine all the Citi ThankYou points earned from all those cards into 1 rewards balance. As long as you have the Citi Premier Card and/or the Citi Prestige Card, you can then use the Citi transfer partners to get big, outsized value for your points when building select itineraries. REASON #5: GREAT ADDITION TO A MIXED CASH BACK CREDIT CARD SETUP Since cash back might be redeemed via check or direct deposit to a checking account, you can use any cash back credit card you like…from any bank…and indirectly ‘combine’ all your cash back redemptions into 1 bank account. That means you’re free to choose whichever cash back credit cards you like best from any issuer to create a mixed, multi-card setup to cover different spend categories. Example: - Citi Custom Cash = 5% Top Spend Category | 1 % Other - Capital One SavorOne = 3% Dining, Grocery, Entertainment, Streaming | 1% Other - Bank of America Customized Cash Rewards = 3% Choice | 2% Grocery, Wholesale | 1% Other - Wells Fargo Active Cash = 2% All Purchases Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #citicustomcash #cashbackcreditcards #bestcreditcards 2022-03-04T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343347/big-update-capital-one-venture-x-bonus-and-travel-portal https://gamma.videonest.org/343347_thumbnail_resized_v2.webp https://gamma.videonest.org/343347_video_v3.mp4 *BIG UPDATE!* Capital One Venture X Bonus & Travel Portal! The Capital One Venture X welcome bonus is expiring soon, plus some BIG UPDATES are coming to the Capital One Travel portal and the list of Capital One Transfer Partners! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔗 CNBC ARTICLE (Capital One’s new travel portal includes cancel-for-any-reason coverage and price protection tools): https://www.cnbc.com/select/capital-one-debuts-new-travel-portal/ UPDATE #1: CAPITAL ONE VENTURE X WELCOME OFFER - The Capital One Venture X initial launch offer of 100,000 bonus miles plus a $200 Vacation Rental Credit after spending $10,000 on purchases in the first 6 months will be valid through 3.14.2022. It will then expire. - Starting 3.15.2022, a new welcome offer will become available. UPDATE #2: NEW CAPITAL ONE TRANSFER PARTNER! - In the coming weeks, Virgin Red will become a 1:1 miles transfer partner of Capital One. - This will the 16th transfer partner offering a 1:1 transfer ratio (out of 18 total Capital One transfer partners). - Virgin Red is the combined loyalty program for Virgin brands: Virgin Atlantic, Virgin Hotels, Virgin Voyages, Virgin Experience Gifts, etc. The Capital One credit cards with transfer partners include: - Capital One VentureOne Rewards credit card ($0 annual fee) - Capital One Venture card ($95 annual fee) - Capital One Venture X card ($395 annual fee) - Capital One Spark Miles (2X Miles | $0 annual fee in Year 1, then $95) - Capital One Spark Miles Select (1.5X Miles | $0 annual fee) CAPITAL ONE TRANSFER PARTNERS (as of 3.01 2022): Airlines - Aeromexico Club Premier - Air Canada Aeroplan - Air France Flying Blue - Asia Miles - Avianca LifeMiles - British Airways Executive Club - Emirates Skywards - Etihad Airways Etihad Guest - EVA Air Infinity MileageLands - Finnair Plus - Qantas Frequent Flyer - Singapore Airlines KrisFlyer - TAP Miles&Go - Turkish Airlines Miles&Smiles Hotels - ALL Accor Live Limitless - Choice Privileges - Wyndham Rewards UPDATE #3: LIMITED-TIME CAPITAL ONE TRANSFER PARTNER BONUSES - Available from 3.01.2022 – 3.31.2022 - Receive 20% bonus points / miles when transferring to: - Aeromexico Club Premier - Avianca LifeMiles - Wyndham Rewards UPDATE #4: CAPITAL ONE TRAVEL PORTAL – CANCEL FOR ANY REASON! - Over the next few weeks, the ‘Cancel For Any Reason’ feature will be rolling out within the Capital One Travel portal. - For a small upfront fee, customers will be able to cancel their flight(s) booked via the portal up to 24 hours before their first scheduled departure and receive most of their ticket cost back. - Cancelations will be easy – just a few clicks – and no questions asked. - Per the CNBC article (link at top), it looks like the refund will be 80% of the ticket price. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitalonetravel #capitaloneventurex #capitalonecreditcard 2022-03-01T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343348/credit-cards-101-credit-card-statement-explained https://gamma.videonest.org/343348_thumbnail_resized_v2.webp https://gamma.videonest.org/343348_video_v3.mp4 CREDIT CARDS 101: Credit Card Statement Explained Learn how to understand your credit card bill! Includes when to pay credit card bill to avoid interest, credit cards basics like billing cycles & due dates, credit card APR explained, and more! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CREDIT CARD STATEMENT: TERMS TO KNOW 1. STATEMENT: Your monthly bill, which shows how much you spent, when payment is due, interest, fees, and more. 2. BILLING CYCLE: A period of time, usually lasting 28-31 days, during which your recent charges are arranged into a statement (i.e. your bill). It’s simply bank’s way of grouping your purchases together so you can see them all in 1 place and make 1 payment to pay them off (or multiple payments over time, with interest). It consists of an Opening Date & Closing Date and can be different for every card. 3. OPENING DATE: The first day of your billing cycle. 4. CLOSING DATE: The last day of your billing cycle. With most banks, your card balance on the Close Date is what gets reported to the bureaus to calculate your utilization (known exceptions incl. U.S. Bank). 5. PREVIOUS BALANCE: The balance from your previous statement. 6. PAYMENTS, CREDITS: Payments you’ve made & credits received since your previous statement. 7. PURCHASES: Total amount of all purchases made during the statement billing cycle. 8. CASH ADVANCES: A short-term cash loan taken from your credit card. Fees & interest are charged, and the loan must be paid back. 9. BALANCE TRANSFERS: Balances that you transferred to your card from another account. 10. FEES CHARGED: Fees incurred during the statement billing cycle. May include: annual fees, late payment fees, foreign transaction fees, cash advance fees, overlimit fees, etc. 11. INTEREST CHARGED: Interest charged from previous statement balances that were not paid off in full by the due date. 12. NEW BALANCE: The amount due from your current statement. This is the amount you want to pay in full by the due date to get an on-time payment & avoid interest charges. 13. CREDIT LIMIT: The maximum amount you can spend on the card. 14. AVAILABLE CREDIT: The remaining amount of your credit limit that is available for purchases at any point in time. It can change daily and is calculated like this: Credit Limit – Current Balance = Available Credit 15. CASH ACCESS LINE: The maximum amount of cash you can access from your credit card via a Cash Advance. 16. AVAILABLE FOR CASH: The remaining amount of your Cash Access line that is available for Cash Advances. 17. PAST DUE AMOUNT: The amount from your previous statement(s) that was not paid off in full by the due date. 18. BALANCE OVER THE CREDIT LIMIT: The total amount you spent above your credit limit. Some banks may allow you to spend beyond your credit limit, but may charge fees and/or deny certain transactions. 19. MINIMUM PAYMENT DUE: The smallest amount you can pay to get an on-time payment and avoid fees. However, interest will be charged on the portion that you don’t pay by the Payment Due Date. 20. PAYMENT DUE DATE: The final day you can submit a payment for it to be considered on time and avoid penalties. Only the Minimum Payment is required, but in order to avoid interest charges, you need to pay off your full statement balance (i.e. “New Balance”). The 25 days between the Opening & Closing dates is called the Grace Period. You can pay your bill on any of those days for it to be considered on time, and you’ll avoid interest charges, too. 21. PAYMENTS AND OTHER CREDITS: The payments you made and credits received during the billing cycle. 22. PURCHASES: The purchases you made during the billing cycle. 23. INTEREST CHARGES: How much interest was charged due to: - Purchases made in previous billing cycles that were not paid off in full by due date. - Cash Advances that were performed. - Balance Transfers that were performed. 24. APR: Represents the cost of borrowing on a credit card. It stands for Annual Percentage Rate and is the rate of interest you’ll pay on unpaid balances over the course of a year. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards101 #creditcardsexplained #creditcardsforbeginners 2022-02-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343349/amex-gold-vs-chase-sapphire-preferred-2022-2023 https://gamma.videonest.org/343349_thumbnail_resized_v2.webp https://gamma.videonest.org/343349_video_v3.mp4 AMEX GOLD vs. CHASE SAPPHIRE PREFERRED (2022-2023) The Chase Sapphire Preferred vs. Amex Gold Card comparison is about to begin! These 2 travel credit cards are MASSIVELY popular, but which is best for you? Watch to find out! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull NOTE: Terms apply to credit card offers, benefits, and more. WELCOME OFFER (Feb. 2022) - Chase Sapphire Preferred (CSP): Earn 60,000 Ultimate Rewards points after spending $4K in purchases within the first 3 months. Approx. value towards travel = $750+. - Amex Gold Card: Earn 60,000 Amex Membership Rewards points after spending $4K in purchases within the first 6 months. Approx. value towards travel = $600+ ANNUAL FEES CSP = $95 Amex Gold Card = $250 EARNING POINTS CSP - 5X Travel (Portal) = 6.25% - 3X Dining = 3.75% - 3X Online Grocery = 3.75% - 3X Select Streaming = 3.75% - 2X Other Travel (Non Portal) = 2.5% - 1X Other Purchases = 1.25% Amex Gold Card - 4X U.S. Supermarkets (up to $25K spend/yr.) = 4% - 4X Dining (at restaurants worldwide, plus takeout & delivery in the U.S.) = 4% - 3X Flights (booked directly or via Amex Travel) = 3% - 1X Other Purchases = 1% REDEEMING POINTS (Value Per Point) Travel (Transfer Partners) - CSP: 1.8¢, avg. - Amex Gold Card: 1.8¢, avg. Travel (Portal) - CSP: 1.25¢ - Amex Gold Card: 0.7¢ - 1.0¢ Cash Back (Statement Credit) - CSP: 1.0¢ - Amex Gold Card: 0.6¢ CREDIT CARD BENEFITS CSP - Hotel Credit: $50 /yr., valid for Chase Ultimate Rewards portal bookings - Hotel Benefits: Visa Signature Luxury Hotel Collection portal access - Anniversary Bonus: Yes, equal to 10% of purchases made in prior year, issued in points - Partner Benefits: DoorDash, Lyft, Peloton - Foreign Transaction Fees: None - Authorized Users: $0 Amex Gold Card - Uber Credit: $120/yr. - Dining Credit: $120/yr. - Hotel Benefits: The Hotel Collection - Foreign Transaction Fees: None - Authorized Users: $0 for first 5, then $35 each after that CHASE TRANSFER PARTNERS Airline - Aer Lingus AerClub - Air Canada Aeroplan - Air France KLM Flying Blue - British Airways Executive Club - Emirates Skywards - Iberia Plus - JetBlue TrueBlue - Singapore Airlines KrisFlyer - Southwest Airlines Rapid Rewards - United MileagePlus - Virgin Atlantic Flying Club Hotel - IHG Rewards - Marriott Bonvoy - World of Hyatt AMEX TRANSFER PARTNERS Airline - Aer Lingus AerClub - Aeromexico Club Premier - Air Canada Aeroplan - Air France KLM Flying Blue - ANA (All Nippon Airways) - Asia Miles - Avianca LifeMiles - British Airways Executive Club - Delta Air Lines SkyMiles - Emirates Skywards - Etihad Guest - Hawaiian Airlines - Iberia Plus - JetBlue TrueBlue - Qantas Frequent Flyer - Singapore Airlines KrisFlyer - Virgin Atlantic Flying Club Hotel - Choice Privileges - Hilton Honors - Marriott Bonvoy INSURANCE & PROTECTIONS - See video at 9 min 36 sec WHICH IS BEST CSP is best for… - Spending on Travel + Streaming - People who want simple, high-value rewards without needing to understand transfer partners or airline alliances - Insurance & protections Amex Gold Card is best for… - Spending at U.S. Supermarkets + Dining - People who’d use Uber & dining credits - Rewards maximizers who use transfer partners & airline alliances regularly WHICH CREDIT CARD SHOULD YOU GET? Get the AMEX GOLD CARD if you… - Spend a lot at supermarkets in the U.S. & restaurants - Already spend with Uber & dining credit partners - Value travel rewards instead of cash back - Are willing to learn how to use transfer partners & airline alliances to get strong value - Are OK with a high annual fee & high-cost multi-card setup Get the CHASE SAPPHIRE PREFERRED if you… - Spend broadly on travel, dining & streaming - Want travel rewards as Plan A w/ cash back as Plan B - Like easy-to-use, high-value redemptions (plus access to transfer partners for even greater value) - Want more comprehensive insurance & protections for travel - Prefer a lower-fee card & low-cost multi-card setup Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasesapphire #amexgold #travelcreditcards 2022-02-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343350/5-credit-cards-i-want-most-in-2022 https://gamma.videonest.org/343350_thumbnail_resized_v2.webp https://gamma.videonest.org/343350_video_v3.mp4 5 Credit Cards I Want MOST in 2022 Here are the TOP 5 credit cards I want MOST in 2022! Some are cash back credit cards while others are travel credit cards, and each one serves my overall credit card strategy. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO – IHG Credit Cards Getting BIG Overhaul https://youtu.be/CZmYIgJiy6w CREDIT CARD #1: CHASE SAPPHIRE PREFERRED Welcome Offer (Feb. 2022) - Earn 60,000 Chase Ultimate Rewards points after spending $4K on purchases in the first 3 months. Rewards - 5X Travel (Chase Portal): Must book via Ultimate Rewards portal. Excludes hotel purchases that qualify for the $50 Anniversary Hotel Credit - 3X Dining: Incl. takeout & eligible delivery services - 3X Online Grocery: Excl. Target, Walmart, Wholesale Clubs - 3X Select Streaming - 2X Other Travel (non-Chase portal) - 1X Other Purchases Annual Fee = $95 Why I Want It - Welcome offer - Since I already have the CSP, there are 3 things I need to make sure I complete in order to be eligible for a second signup bonus: (1) Be under the Chase 5/24 Rule (2) Be under the Chase 48 Month Rule (3) Ensure I don’t have any Chase Sapphire-branded cards open before applying. This means I must downgrade my current Chase Sapphire Preferred to either the Chase Freedom Flex or the Chase Freedom Unlimited. CREDIT CARD #2: CHASE INK BUSINESS PREMIER (Coming Soon, early 2022) Note: Applications for the Ink Business Premier are currently only available to Chase for Business customers that have an existing Business Relationship Manager starting Dec. 14, 2021, with plans for a broader launch in early 2022. Welcome Offer (Date TBD) - Earn $1,000 cash back after spending $10,000 on purchases in the first 3 months. Rewards - 5% Travel (Chase Portal): Must book via Ultimate Rewards portal - 2.5% Large Purchases: All purchases of $5,000 or more - 2% Other Purchases Annual Fee = $195 Why I Want It - Welcome offer - 2.5% cash back category - Pay taxes - No preset spending limit (it’s a charge card) - Potential easier approval than the Chase Ink Business Preferred credit card CREDIT CARD #3: IHG REWARDS PREMIER CREDIT CARD Note: New version launching 3.24.2022, along with refreshed IHG Rewards Traveler Card and an all-new IHG Rewards Premier Business Card Welcome Offer (Feb. 2022) Earn 125,000 points, plus a free night award valid for a 1-night hotel stay at a property with a redemption level of up to 40,000 points, after spending $3,000 on purchases in the first three months. Rewards NOW thru 3.23.2022 10X IHG Hotels & Resorts 2X Restaurants 2X Gas Stations 2X Grocery Stores 1X Other Purchases STARTING 3.24.2022 10X IHG Hotels & Resorts 5X Restaurants 5X Travel 3X Other Purchases Annual Fee = $89 (now thru 3.23.2022), then $99 (starting 3.24.2022) Why I Want It - Welcome offer - Annual Reward Night & Top Off w/ Points feature - IHG Platinum Elite Status - Earn more IHG points on paid stays - IHG 4th Award Night Free benefit CREDIT CARD #4: FRONTIER AIRLINES WORLD MASTERCARD Welcome Offer (Feb. 2022) - Earn 50,000 miles after spending $500 on purchases and paying the annual fee in the first 3 months. Rewards - 5X Frontier Airlines (on eligible purchases at flyfrontier.com) - 3X Restaurant - 1X Other Purchases Annual Fee = $89 Why I Want It - Welcome offer - 5X Rewards category - $100 Annual Flight Voucher w/ $2.5K spend - Earn toward elite status (waives a lot of fees on Frontier Airlines) CREDIT CARD #5 CAPITAL ONE SAVORONE CARD Welcome Offer (Feb. 2022) - Earn $200 cash back after spending $500 on purchases in the first 3 months. Rewards - 8% Vivid Seats (thru Jan. 2023) - 3% Dining - 3% Entertainment - 3% Grocery Stores - 3% Select Streaming - 1% Other Purchases Annual Fee = $0 Why I Want It - Great ‘going out card’ - No annual fee - Downgrade from Venture Rewards - Convert cash back to Venture miles Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #cashbackcreditcards #travelcreditcards #bestcreditcards 2022-02-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343351/watch-me-apply-hilton-honors-american-express-business-card-amex-business-card-application https://gamma.videonest.org/343351_thumbnail_resized_v2.webp https://gamma.videonest.org/343351_video_v3.mp4 *WATCH ME APPLY* Hilton Honors American Express Business Card! (Amex Business Card Application) It’s time to apply for a new Amex credit card! I’ve chosen the Hilton Honors Business Card for the BIG welcome offer of 130,000 points + Free Night Reward and ongoing benefits. Watch me go through the Amex business card application. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME OFFER (Feb. 2022) Earn 130,000 Hilton Honors points plus a Free Night Reward after spending $3,000 in purchases in the first 3 months. The free night reward comes in the form of a certificate that is valid for 1 year and has no limit on point value, cash value, hotel brand, or hotel category. So whether you use it at a Hilton Hampton Inn costing $80 or a Waldorf Astoria costing $800, it will work just fine as long as it’s a standard room! 🎬 VIDEO: How to Redeem Hilton Free Night Certificate https://youtu.be/TFYE3tkLQug The APR will be a variable 15.74% - 24.74% based on creditworthiness and other factors. ANNUAL FEE = $95 EARNING POINTS 12X Hilton Hotels & Resorts 6X Flights booked directly w/ airlines or via Amex Travel portal 6X Car Rentals booked directly from select companies 6X U.S. Restaurants 6X U.S. Gas Stations 6X U.S. Shipping providers 6X U.S. Wireless Telephone Services purchased directly w/ providers 3X Other Purchases KEY BENEFITS - Hilton Honors Gold Status (complimentary) - Hilton Honors Diamond Status after spending $40K in a calendar year on your card - 1st Free Weekend Night Reward each year you spend $15K in a calendar year - 2nd Free Weekend Night Reward each year you spend $60K in a calendar year - Priority Pass membership: Up to 10 free visits per year, then day pass rate after that - No Foreign Transaction Fees MY CREDIT SCORE / CREDIT REPORT Credit Scores - Experian: 782 (FICO Score 8) - TransUnion: 797 (VantageScore 3.0) - Equifax: 819 (VantageScore 3.0) Inquiries - Experian: 6 - TransUnion: 6 - Equifax: 1 New Accounts - Past 12 months: 2 - Past 24 months: 4 Average Age of Accounts - 4 years Prior Relationship - Amex personal cards - Amex business cards - Amex High Yield Savings Account MY CREDIT FACTORS – AFTER - No changes to any factors. Once you have a card relationship with Amex, future credit card applications are usually a soft pull. Also, Amex business cards do not get reported to your personal credit report, so they do not affect your credit score nor to they effect the Chase 5/24 rule. GOOD TO KNOW - Anecdotally, you ‘may’ get an American Express financial review if you get high credit limits from them. For that reason, a general recommendation is to stay around $35,000 or less of total credit limit across personal and business credit cards, and at $25,000 or less on an individual card. This is not a hard rule and exceptions do exist. As you saw in the video, I went from a total of $31K of total credit to a new total of $50.2K after the approval. However, I also completed a very big spend year (2021) with Amex, putting over $97K through my cards, so that could have put me into the ‘exception’ category for now. - Also, in terms of how many Amex cards can you have, the general answer is 4-5 credit cards and 10 charge cards. I had 4 Amex credit cards prior to applying for the Hilton Honors Business Card, and with the approval, I’m now at 5 credit cards. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #hiltonhonors #amexbusinesscard 2022-02-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343352/citi-premier-vs-chase-sapphire-preferred-2022-2023 https://gamma.videonest.org/343352_thumbnail_resized_v2.webp https://gamma.videonest.org/343352_video_v3.mp4 CITI PREMIER vs. CHASE SAPPHIRE PREFERRED (2022-2023)! It’s time to compare 2 of the best travel credit cards in the mid-tier range, the Chase Sapphire Preferred vs. Citi Premier. Find out which one may be the better fit for you! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull NOTE: Terms apply to credit card offers, benefits, and more. WELCOME OFFER (Feb. 2022) - Chase Sapphire Preferred (CSP): Earn 60,000 Ultimate Rewards points after spending $4K in purchases within the first 3 months. Approx. value towards travel = $750+. - Citi Premier Card: Earn 60,000 Citi ThankYou points after spending $4K in purchases within the first 3 months. Approx. value towards travel = $600+ ANNUAL FEES CSP = $95 Citi Premier = $95 EARNING POINTS CSP - 5X Travel (Portal) = 6.25% - 3X Dining = 3.75% - 3X Online Grocery = 3.75% - 3X Select Streaming = 3.75% - 2X Other Travel (Non Portal) = 2.5% - 1X Other Purchases = 1.25% Citi Premier - 3X Flights = 3% - 3X Hotels = 3% - 3X Restaurants = 3% - 3X Supermarkets = 3% - 3X Gas Stations = 3% - 1X Everything Else = 1% REDEEMING POINTS (Value Per Point) Travel (Transfer Partners) - CSP: 1.8¢, avg. - Citi Premier: 1.7¢, avg. Travel (Portal) - CSP: 1.25¢ - Citi Premier: 1.0¢ Cash Back (Statement Credit) - CSP: 1.0¢ - Citi Premier: 1.0¢ CREDIT CARD BENEFITS CSP - Hotel Credit: $50 /yr., valid for Chase Ultimate Rewards portal bookings - Hotel Benefits: Visa Signature Luxury Hotel Collection portal access - Anniversary Bonus: Yes, equal to 10% of purchases made in prior year, issued in points - Partner Benefits: DoorDash, Lyft, Peloton - Foreign Transaction Fees: None - Authorized Users: $0 Citi Premier Card - Hotel Credit: $100/yr., valid on single hotel stays of $500+, excluding taxes & fees, via the Citi ThankYou portal - Hotel Benefits: Mastercard Luxury Hotels & Resorts portal access - Anniversary Bonus: None - Partner Benefits: DoorDash, Lyft, HelloFresh, ShopRunner, Fandango - Foreign Transaction Fees: None - Authorized Users: $0 CHASE TRANSFER PARTNERS Airline - Aer Lingus AerClub - Air Canada Aeroplan - Air France KLM Flying Blue - British Airways Executive Club - Emirates Skywards - Iberia Plus - JetBlue TrueBlue - Singapore Airlines KrisFlyer - Southwest Airlines Rapid Rewards - United MileagePlus - Virgin Atlantic Flying Club Hotel - IHG Rewards - Marriott Bonvoy - World of Hyatt CITI TRANSFER PARTNERS Airline - Aeromexico Club Premier - Air France KLM Flying Blue - Asia Miles - Avianca LifeMiles - Emirates Skywards - Etihad Guest - EVA Air - InterMiles - JetBlue TrueBlue - Malaysia Airlines Enrich - Qantas Frequent Flyer - Qatar Airways Privilege Club - Singapore Airlines KrisFlyer - Thai Royal Orchid Plus - Turkish Airlines Miles & Smiles - Virgin Atlantic Flying Club Hotel - Choice Privileges - Wyndham Rewards Retail - Sears Shop Your Way INSURANCE & PROTECTIONS - See video at 10 min 14 sec WHICH IS BEST CSP is best for… - A single card covering many travel & at-home rewards categories - More international transfer partners Citi Premier is best for… - Greater overall rewards value for simple redemptions via portal - Insurance & protections WHICH CREDIT CARD SHOULD YOU GET? Get the CITI PREMIER CARD if you… - Spend a lot on gas & grocery - Want rewards that are great for travel & good for cash back - Are willing to learn how to use transfer partners for higher value - Value Citi’s transfer partners - Don’t need / want insurance & protections for travel Get the CHASE SAPPHIRE PREFERRED if you… - Spend broadly on travel & dining - Want rewards that are excellent for travel & good for cash back - Want better value for easy redemptions via Chase portal - Value Chase’s transfer partners - Want insurance & protections for travel AVOID BOTH CARDS IF YOU… - Don’t travel much - Prefer to earn cash back rewards - Aren’t willing to pay an annual fee Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasesapphire #citipremier #travelcreditcards 2022-02-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343353/double-amex-platinum-card-unboxing-amex-platinum-new-design-julie-mehretu-and-kehinde-wiley https://gamma.videonest.org/343353_thumbnail_resized_v2.webp https://gamma.videonest.org/343353_video_v3.mp4 *DOUBLE* AMEX PLATINUM CARD UNBOXING! (Amex Platinum New Design: Julie Mehretu & Kehinde Wiley) American Express released TWO new art designs for the Platinum Card, one by Julie Mehretu and one by Kehinde Wiley. Join me for a DOUBLE UNBOXING of both cards! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🔗 PRESS RELEASE – American Express Unveils New U.S. Consumer Platinum Card Designs by World-Renowned Artists Julie Mehretu and Kehinde Wiley: https://about.americanexpress.com/all-news/news-details/2021/American-Express-Unveils-New-U.S.-Consumer-Platinum-Card-Designs-by-World-Renowned-Artists-Julie-Mehretu-and-Kehinde-Wiley/default.aspx BACKGROUND Two new Amex Platinum Card designs were announced on December 02, 2021 and became available to new and existing cardholders on January 20, 2022. The card benefits remain the same, though you can now choose between 3 total designs when applying (Platinum Classic, Platinum x Julie Mehretu, and Platinum x Kehinde Wiley). HOW TO GET THE NEW PLATINUM CARD DESIGN 1. If you are applying for the Amex Platinum Card for the first time, you can choose your card design at the beginning of the application process. 2. If you already have the Amex Platinum Card, you can request a replacement online, via the Amex mobile app, via phone, or via chat. Details below for online methods. AMEX PLATINUM CARD REPLACEMENT – ONLINE 1. Sign into your Amex account via desktop & select your Platinum Card 2. Click on Account Services at the top horizontal menu 3. Choose Replace a Card 4. Go through the prompts to complete your request AMEX PLATINUM CARD REPLACEMENT – MOBILE APP 1. Sign into the Amex app and select your Platinum Card 2. Tap on Account in the bottom right menu 3. Tap on Replace a Card 4. Go through the prompts to complete your request AMEX PLATINUM CARD BENEFITS (Short Version) PUBLIC WELCOME OFFER (Feb. 2022) Earn 100,000 Membership Rewards points after spending $6K in the first 6 months. Targeted offers with higher point values may be available. ANNUAL FEE = $695 EARN POINTS - 5X Flights: Booked directly w/ airlines or AmexTravel.com - 5X Hotels: Prepaid via AmexTravel.com - 1X Other Purchases REDEEM POINTS - Travel (Transfer Partners): 2.0¢ per point, avg. - Travel (Portal): 0.7¢ per point for hotels, car rentals, cruises, and vacations | 1.0¢ per point for flights | 1.0¢ per point for Fine Hotels & Resorts - Cash Back (statement credit): 0.6¢ per point SELECT BENEFITS - $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. - $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required. - $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. - American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks. - $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline. - $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. - $300 Equinox Credit: Get up to $25 back each month on eligible Equinox memberships when you pay with your Platinum Card®. Enrollment required. - $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership. - More! Terms apply. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexplatinum #americanexpress #travelcreditcards 2022-02-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343354/expired-4x-elite-status-match-hyatt-wyndham-mgm-caesars-status-match https://gamma.videonest.org/343354_thumbnail_resized_v2.webp https://gamma.videonest.org/343354_video_v3.mp4 [EXPIRED] 4X ELITE STATUS MATCH! Hyatt, Wyndham, MGM, Caesars status match! Want to travel like a VIP & save money in Las Vegas? Learn how to get PERMANENT elite status with 4 hotel programs for free parking, waived resort fees, priority lines at restaurants and clubs, a good chance at a room upgrade, and more! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Q: WHY BOTHER WITH ELITE STATUS MATCHES? A: FOR BIG SAVINGS, CONVENIENCE, AND A BETTER EXPERIENCE! HOW THE ELITE STATUS QUADFECTA WORKS Start with elite status in 1 program, then match it to other partner programs. HOW TO GET STARTED 1. Create accounts with the programs in which you want to get elite status. For this video, the 4 programs involved are: - Caesars Rewards - MGM Rewards - World of Hyatt - Wyndham Rewards - NOTE: You can match to one, two, or all 3 programs. 2. Obtain elite status in at least 1 program. HOW TO GET ELITE STATUS IN 1 PROGRAM Usually the easiest way to get started is with a credit card, though you can also do so via paid nights / stays if you travel frequently. 2 great credit card options are: 1. World of Hyatt Credit Card: comes with automatic Hyatt Discoverist Status, plus 5 more elite night credits by default and the ability to earn more via spend. This can help you qualify for a higher elite tier like Hyatt Explorist or Hyatt Globalist. Annual Fee = $95. 2. Wyndham Rewards Earner Business Card: Comes with automatic Wyndham Diamond Status, the current highest tier in the program. Annual Fee = $95. VIEW ALL ELITE STATUS TIERS & BENEFITS 1. Caesars Rewards Elite Benefits & Tiers https://www.caesars.com/myrewards/benefits-overview 2. MGM Rewards Elite Benefits & Tiers https://www.mgmresorts.com/en/mgm-rewards/tiers.html 3. World of Hyatt Elite Benefits & Tiers https://world.hyatt.com/content/gp/en/tiers-and-benefits.html#charts 4. Wyndham Rewards Elite Benefits & Tiers https://www.wyndhamhotels.com/wyndham-rewards/member-levels TURN 1 STATUS INTO 2 – PART A – MGM TO HYATT - MGM Status resets: Feb. 01 - Hyatt Status resets: Mar. 01 - To maintain PERMANENT elite status… - Every Feb. 01: Match your Hyatt status to MGM status - Result: Fresh MGM status for another year - Every Mar. 01: Match your MGM status to Hyatt status - Result = Fresh Hyatt status for another year TURN 1 STATUS INTO 2 – PART B – WYNDHAM TO CAESARS - Wyndham Status resets: Jan. 01 - Caesars Status resets: Feb. 01 - To maintain PERMANENT elite status… - Every Jan. 01: Match your Caesars status to Wyndham status - Result: Fresh Wyndham status for another year - Every Feb. 01: Match your Wyndham status to Caesars status - Result = Fresh Caesars status for another year TURN 1 STATUS INTO 4 – START WITH HYATT EXPLORIST 1. Obtain Hyatt Explorist (credit card, stays, etc.) 2. Match Hyatt Explorist to MGM Gold (online) 3. Match MGM Gold to Caesars Diamond (in person*) 4. Match Caesars Diamond to Wyndham Diamond (online) *In-person match requires MGM Rewards card obtained onsite and your ID TURN 1 STATUS INTO 4 – START WITH WYNDHAM DIAMOND 1. Obtain Wyndham Diamond (credit card, stays, etc.) 2. Match Wyndham Diamond to Caesars Diamond (online) 3. Match Caesars Diamond to MGM Gold (in person*) 4. Match MGM Gold to Hyatt Explorist (online) *In-person match requires Caesars Rewards card obtained onsite and your ID ELITE STATUS EXPIRATION / RESET DATES - Hyatt: Mar. 01 - MGM Rewards: Feb. 01 - Caesars Rewards: Feb. 01 - Wyndham Rewards: Jan. 01 STATUS MATCH ONLINE LINKS 🔗 Status Match Hyatt to MGM Rewards https://world.hyatt.com/content/gp/en/rewards/other-partnerships.html 🔗 Status Match MGM Rewards to Hyatt https://www.mgmresorts.com/en/mgm-rewards/preferred-partners/hyatt-hotels.html 🔗 Status Match Wyndham to Caesars https://www.wyndhamhotels.com/wyndham-rewards/caesars-rewards/status-match 🔗 Status Match Caesars to Wyndham https://www.caesars.com/myrewards/partners/wyndham_resorts Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #mgmrewards #caesarsrewards #worldofhyatt 2022-02-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343355/breaking-1st-ever-amex-debit-card-that-earns-points-plus-amex-checking-account https://gamma.videonest.org/343355_thumbnail_resized_v2.webp https://gamma.videonest.org/343355_video_v3.mp4 *BREAKING!* 1st Ever AMEX DEBIT CARD that EARNS POINTS! (PLUS: Amex Checking Account) American Express launched its first-ever debit card that earns Membership Rewards points, along with a checking account for consumers. Best of all, it might fit in with your credit card strategy! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🔗 PRESS RELEASE - American Express Expands Membership With New American Express Rewards Checking Account: https://about.americanexpress.com/all-news/news-details/2022/Expands-Membership-With-New-American-Express-Rewards-Checking-Account/default.aspx 🔗 THE POINTS GUY BLOG POST: https://thepointsguy.com/news/amex-rewards-checking/ HIGHLIGHT: The first-ever Amex Checking Account & Amex Debit Card for consumers has finally arrived! BRIEF SUMMARY (Quote from press release) “First all-digital U.S. consumer checking account with Membership Rewards® points, high-yield APY, Debit Card, Purchase Protection, no monthly maintenance fees or minimums, and world-class customer service.” KEY POINTS - Earn a 0.50% high-yield APY on your entire Amex checking account balance, currently 10x higher than the national rate (and way better than the rates offered by Chase, Bank of America, Wells Fargo, U.S. Bank, and others). - Earn 1 Membership Rewards point for every $2 spent on eligible Debit Card purchases. You can redeem these points for deposits directly into your Amex Rewards Checking Account at a value of 0.8¢ per point (e.g. 10,000 points = $80.00). - You can combine the Membership Rewards points earned from your debit card with the points earned on your Amex credit cards (i.e. the ones that also earn Amex MR points). - If you DO NOT have other Amex cards that earn MR points, or if you have Amex cards that earn a different rewards currency (like the Delta credit cards, Hilton credit cards, Amex Blue Cash Preferred card, etc.), then your only redemption option with the debit card will be cash back into the Amex Rewards Checking Account. - If you DO have other Amex cards that earn MR points, then you’ll have access to other redemption options, including travel, Amex transfer partners, gift cards, and more. - There are NO monthly maintenance fees. - There is NO minimum balance fee. - Receive Purchase Protection on eligible American Express Debit Card purchases covering accidental damage or theft. This is valid up to 90 days from the covered purchase date & capped at $1,000 per occurrence and $50,000 per account per calendar year. - The Amex debit card is backed by American Express world-class service. - Get access a team of customer care providers 24/7. Channels include phone or chat (Amex chat on the credit card side has been excellent over the years in my experience). - Fraud Protection and Monitoring come with the card account. - It provides access to the Amex app, where you’ll be able to view your debit card account AND other Amex accounts (including credit, charge, and savings) in one place. - No fees on ATM withdrawals at 37,000 MoneyPass ATM locations around the globe. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexcheckingaccount #amexdebitcard 2022-02-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343356/sonesta-credit-card-review-2022-sonesta-world-mastercard-benefits-and-more https://gamma.videonest.org/343356_thumbnail_resized_v2.webp https://gamma.videonest.org/343356_video_v3.mp4 SONESTA CREDIT CARD REVIEW 2022! (Sonesta World Mastercard Benefits & More) Never heard of the Sonesta World Mastercard? Most people haven’t! But it’s got 1 amazing benefit that’s arguably BETTER than what Marriott, Hilton, Hyatt, IHG, and others offer! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CARD ISSUER: Bank of America WELCOME OFFER (Feb. 2022) Earn up to 95,000 bonus points, broken down into 3 tiers: 1. 60,000 bonus points after spending at least $1K in purchases within the first 90 days 2. 5,000 additional points after adding an authorized user within the first 90 days 3. 30,000 bonus points on your Account Anniversary, if you spend at least $7,500 in purchases every year (this is actually an ongoing annual benefit, see below) The approximate value of this welcome offer is as follows: - 60K points = $420 (avg.) - 65K points = $455 (avg.) - 90K points = $630 (avg.) - 95K points = $665 (avg.) ANNUAL FEE = $0 Introductory in Year 1 | $75 each year thereafter EARN SONESTA POINTS - 3X Sonesta* - 2X Airfare* - 2X Car Rentals* - 2X Dining - 1X Other Purchases * Must book directly in order to qualify; 3rd-party portals not eligible WHAT ARE SONESTA POINTS WORTH? Note: Loyalty program is called Sonesta Travel Pass - Points only redeemable with Sonesta (no other travel partnerships at this time) - Avg. point value = 0.7¢ each - Example: (95,000 Points x $0.70) ÷ 100 = $665.00 towards hotel stays SONESTA BRANDS - Royal Sonesta - Sonesta Hotels and Resorts - Sonesta Select - Sonesta ES Suites (extended stay) - Sonesta Simply Suites - Sonesta Posadas Del Inca (Peru) - Sonesta Cruise Collection (Nile River) View Sonesta Hotel Portfolio Here https://www.sonesta.com/us/massachusetts/newton/sonesta/hotel-portfolio SONESTA HOTEL LOCATIONS (Searchable map & scrollable list) https://www.sonesta.com/destinations HOW TO REDEEM SONESTA POINTS Helpful Link: https://www.sonesta.com/travel-pass/how-to-redeem-points There are 2 main options for redemptions: 1. Redeem Points Online: Begin your redemption by competing the online redemption request form. To locate this… - Sign into your Sonesta account - Click on Member Rewards at the top right - Choose Redeem Points from drop-down menu - Click the Redeem Points Online button 2. Call to Redeem: Call Sonesta toll free (U.S.) at 1.855.622.2160 or direct dial 1.617.658.0078 SONESTA AWARD CHART (As of Feb. 2022) View Online by Region: https://www.sonesta.com/travel-pass/hotel-tiers SONESTA WORLD MASTERCARD BENEFITS - Anniversary Bonus: Earn 30,000 bonus points after spending $7,500/yr. on the card each account anniversary year. - Elite Member Status: Automatic top-tier ‘Elite’ member status each year you keep the card open & in good standing. - No Foreign Transaction Fees SONESTA ELITE MEMBER BENEFITS View Sonesta Elite Tiers & Terms here: https://www.sonesta.com/travel-pass/member-benefits Some of the ‘Elite’ tier benefits include: - Complimentary upgraded WiFi - 5% off across all locations worldwide - Express check-in and check-out - Early check-in & late check-out - Priority self-parking - $15 Sip ‘n snack credit - 15% discount on dining & resort amenities - Complimentary room upgrades - Choice of welcome amenity - Complimentary non-alcoholic beverage - Discounted suite upgrades - Complimentary club lounge access (or continental breakfast daily) INSURANCE & PROTECTIONS - $0 Liability Guarantee - FICO Score Program - Overdraft Protection when you link your Bank of America deposit account SHOULD YOU GET IT? YES if you… - Stay in hotels when traveling - Travel to locations with Sonesta properties - Want free hotel nights & don’t have brand loyalty - Want to earn $420+ towards a trip with a small spend requirement - Value the top-tier Elite benefits - Will spend $7,500/yr. to earn the 30K anniversary bonus NO if you… - Prefer homestays (Airbnb, VRBO, etc.) - Prefer hotel chains with a large footprint - Prefer travel rewards that are more flexible - Prefer cash back - Don’t care about elite status - Want strong travel insurance protections - Don’t want to redeem points via phone or online form (may have a delay for review) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #travelcreditcards #hotelcreditcards #sonestahotel 2022-02-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343357/capital-one-venture-x-dollar300-travel-credit-step-by-step-tutorial-2022 https://gamma.videonest.org/343357_thumbnail_resized_v2.webp https://gamma.videonest.org/343357_video_v3_converted.mp4 Capital One Venture X $300 Travel Credit! (Step by Step Tutorial 2022) The Capital One Venture X has a $300 Travel Credit that is EASY to use, BUT make sure you book the right way. Watch this step-by-step tutorial to get that $300 back in your pocket! “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull HOW TO USE CAPITAL ONE VENTURE X TRAVEL CREDIT 1. Log into your online Capital One account 2. Click on your Capital One Venture X card 3. Select ‘Redeem’ under your miles balance 4. Choose ‘Discover Travel’ then ‘Book a Trip’ … or simply ‘Book A Trip’ directly if you see it NOTE: You can bypass Steps 1-4 by going to travel.capitalone.com and logging in. 5. Search for any flight, hotel, or car rental you like and charge it to your Venture X card. 6. Wait for the statement credit to post to your account! GOOD TO KNOW - No registration or enrollment required - The $300 Travel Credit renews each cardmember year - It can be used across multiple transactions or in 1 transaction, up to $300 in total credits - All purchases via Capital One Travel are valid (flights, hotels, car rentals) - Typically, you’ll see the credit within 7 business days, but it can take up to 2 billing cycles - If you cancel a charge for which you received the credit, the credit may be revoked (but it will then be available for future use) - For flights, you can still earn airline miles in addition to Capital One miles, as well as elite qualifying miles towards status - For hotels, you normally will not earn hotel points or elite qualifying nights, and you probably won’t have your elite benefits recognized upon check-in - For rental cars, coupon codes may not be valid, and elite benefits may not be recognized upon picking up your car Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitaloneventurex #capitalonecreditcards #travelcreditcards 2022-02-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343358/why-i-have-41-credit-cards-and-pay-dollar6182-in-annual-fees https://gamma.videonest.org/343358_thumbnail_resized_v2.webp https://gamma.videonest.org/343358_video_v3.mp4 Why I Have 41 CREDIT CARDS and Pay $6,182 in ANNUAL FEES It’s no secret…I have A LOT of credit cards…41! Here’s my explanation of which credit cards I have, why I have them, the credit limits, the annual fees, and more. Get ready for a wild ride! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull HERE ARE THE 41 CREDIT CARDS I HAVE… 1. Amex Business Platinum Card #1 2. Amex Business Platinum Card #2 3. Amex Platinum Card 4. Amex Schwab Platinum Card 5. Amex Business Gold Card 6. Amex Gold Card #1 7. Amex Gold Card #2 (Rose Gold Card) 8. Amex Green Card 9. Amex Blue Business Plus 10. Amex Blue Business Cash 11. Marriott Bonvoy Brilliant 12. Marriott Bonvoy Business 13. Chase Sapphire Preferred 14. Chase Freedom Flex 15. Chase Ink Business Cash 16. Chase Ink Business Unlimited 17. Marriott Bonvoy Premier Plus Business (Chase) 18. Ritz-Carlton Credit Card (Chase) 19. World of Hyatt Credit Card (Chase) 20. Amazon Prime Rewards Visa Signature Card (Chase) 21. Citi Custom Cash Card 22. Citi Double Cash Card 23. Citi ThankYou Preferred 24. American Airlines MileUp Card 25. CitiBusiness AAdvantage Platinum Select 26. Costco Anywhere Visa Signature 27. Citi Dividend Card 28. U.S. Bank Altitude Reserve 29. U.S. Bank Cash+ 30. U.S. Bank Business Leverage 31. U.S. Bank Business Triple Cash 32. Capital One Venture X 33. Capital One Venture Rewards 34. Capital One Spark Business Select 35. Bank of America Business Advantage Customized Cash Rewards 36. AAdvantage Aviator Mastercard (Barclays) 37. Wyndham Rewards Earner Business (Barclays) 38. PNC Cash Rewards Visa Credit Card 39. Discover it Cash Back Credit Card 40. Wells Fargo Propel Card 41. Apple Card (Goldman Sachs) TOTAL ANNUAL FEES - $6,182 - Personal credit card annual fees = $3,984 - Business credit card annual fees = $2,198 - American Express Card annual fees = $4,300 (69.5% of entire portfolio) - 21 credit cards have no annual fees HOW I JUSTIFY THE ANNUAL FEES It’s a combination of the welcome offers, rewards points & cash back earned, credits, benefits, hotel night certificates, referrals, etc. TOTAL CREDIT LIMITS - $361,451 - Personal credit card limits = $270,251 - Business credit card limits = $91,200 Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #travelcreditcards #cashbackcreditcards 2022-02-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343359/16-hotel-credit-cards-with-free-nights https://gamma.videonest.org/343359_thumbnail_resized_v2.webp https://gamma.videonest.org/343359_video_v3.mp4 16 Hotel Credit Cards With FREE NIGHTS! Want to save money on your next hotel stay? Here are 16 hotel credit cards that offer free night certificates or points every year (some with no spend requirement!). Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CREDIT CARD #1: Best Western Rewards Mastercard ($0) - Earn 20K points | Spend $5K in 12 billing cycles - Avg. Value: $120 - Valid For: Up to 4 nights CREDIT CARD #2: Best Western Rewards Premium Mastercard ($89) - Earn 40K points | Spend $5K in 12 billing cycles - Avg. Value: $240 - Valid For: Up to 8 nights CREDIT CARD #3: Choice Privileges Visa Signature Card ($0) - Earn 8K points | Spend $10K / cardmember year - Avg. Value: $48 - Valid For: 1 night CREDIT CARD #4: Hilton Honors American Express Surpass Card ($95) - Free Weekend Night | Spend $15K / calendar year - Approx. Value: $60 - $1,000+ - Valid For: 1 weekend night (Fri, Sat, Sun). Exclusions: HiltonHonors.com/weekendreward CREDIT CARD #5: Hilton Honors American Express Business Card ($95) - Free Weekend Night, pend $15K / calendar year. Earn a 2nd night, spend $60K / calendar year. - Approx. Value: $60 - $1,000+ each - Valid For: 1 weekend night (Fri, Sat, Sun). Exclusions: HiltonHonors.com/weekendreward CREDIT CARD #6: Hilton Honors American Express Aspire Card ($450) - Free Weekend Night Reward upon approval & each anniversary year. Earn a 2nd night, spend $60K / calendar year. - Approx. Value: $60 - $1,000+ per certificate - Valid For: 1 weekend night (Fri, Sat, Sun). Exclusions: HiltonHonors.com/weekendreward CREDIT CARD #7: IHG Rewards Premier Credit Card ($89 | $99 starting 3.24.2022) - Free Night certificate / cardmember year - Avg. Value: $200 - Valid For: 1 standard room night at IHG hotels, up to 40K points. CREDIT CARD #8: Marriott Bonvoy Boundless Credit Card ($95) - Free Night Award / cardmember year - Avg. Value: $245 - Valid For: 1 standard room night at Marriott hotels, up to 35K points. CREDIT CARD #9: Marriott Bonvoy Business American Express Card ($125) - Free Night Award / cardmember year. Earn a 2nd Free Night Award, spend $60K / calendar year. - Avg. Value: $245 per certificate - Valid For: 1 standard room night per cert. at Marriott hotels, up to 35K points. CREDIT CARD #10: Marriott Bonvoy Brilliant American Express Card ($450) - Free Night Award / cardmember year - Avg. Value: $350 - Valid For: 1 standard room night at Marriott properties, up to 50K points. CREDIT CARD #11: Radisson Rewards Visa Signature Card ($0) - Up to 3 Free Night e-Certs for every $10K spent (up to $30K) - Avg. Value: varies - Valid For: 1 standard room night, double occupancy, at any Radisson Blu, Radisson, Radisson RED, Park Plaza, Park Inn by Radisson, or Country Inn & Suites by Radisson hotel located in the U.S. CREDIT CARD #12: Radisson Rewards Premier Visa Signature Card ($75) - 40K points each cardmember year. Earn up to 3 Free Night e-Certs for every $10K you spend (up to $30K). Avg. Value: Points: $160 (avg.) | Certificates: varies - Valid For: 1 standard room night, double occupancy, at any Radisson Blu, Radisson, Radisson RED, Park Plaza, Park Inn by Radisson, or Country Inn & Suites by Radisson hotel located in the U.S. CREDIT CARD #13: World of Hyatt Credit Card ($95) - Free night cert. each cardmember year. Earn a 2nd free night, spend $15K on eligible purchases / calendar year. - Avg. Value: $240 - Valid For: 1 standard room night per cert. at Hyatt hotels, up to 15K points. CREDIT CARD #14: Wyndham Rewards Earner Card ($0) - Earn 7.5K points | Spend $15K or more each cardmember year - Avg. Value: $60 - Valid For: 1 night CREDIT CARD #15: Wyndham Rewards Earner Plus Card ($75) - Receive 7.5K points each cardmember year - Avg. Value: $60 - Valid For: 1 night CREDIT CARD #16: Wyndham Rewards Earner Business Card ($95) - Receive 15,000 points each cardmember year - Avg. Value: $120 - Valid For: 2 nights at a property costing 7.5K points or 1 night at a property costing 15K points Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #travelcreditcards #hotelcreditcards #freehotelstay 2022-01-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343360/wow-ihg-credit-cards-getting-big-overhaul https://gamma.videonest.org/343360_thumbnail_resized_v2.webp https://gamma.videonest.org/343360_video_v3.mp4 *WOW!* IHG Credit Cards Getting BIG OVERHAUL! Beginning March 24, 2022, there will be 3 IHG Credit Cards with NEW Rewards and NEW Benefits! Discover how the 2 personal credit cards will change and learn about the new IHG Premier Business Card! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🔗 THE POINTS GUY ARTICLE (IHG Credit Card Updates): https://thepointsguy.com/news/ihg-credit-card-changes 🔗 LOYALTY LOBBY ARTICLE (New IHG Elite Tiers): https://loyaltylobby.com/2022/01/19/ihg-rewards-refresh-spire-elite-becomes-diamond-new-silver-tier BACKGROUND Currently, there are 2 IHG Credit Cards: The IHG Rewards Club Premier Credit Card with an $89 annual fee and the IHG Rewards Club Traveler Credit Card with a $0 annual fee. WHAT’S CHANGING Both IHG credit cards will be getting some major updates to their rewards and benefits, and a new IHG business credit card will be released. WHEN Changes will occur on March 24, 2022. THE DETAILS IHG Traveler Card – BEFORE 3.24.2022 - 5X IHG Hotels - 2X Gas Stations - 2X Grocery Stores - 2X Restaurants - 1X Other Purchases - Earn IHG Gold Elite Status after spending $10K - IHG 4th Night Free On Award Stays - Annual Fee = $0 IHG Traveler Card – AFTER 3.24.2022 - 5X IHG Hotels - 3X Utilities - 3X Internet, Cable & Phone - 3X Select Streaming Services - 3X Restaurants - 3X Gas Stations - 2X Other Purchases - Automatic IHG Silver Elite Status - Earn IHG Gold Elite Status after spending $20K, plus 1 additional purchase - Earn 10,000 bonus points after spending $10K, plus 1 additional purchase - IHG 4th Night Free On Award Stays - Annual Fee = $0 -------------------- IHG Premier Card - BEFORE - 10X IHG Hotels - 2X Gas Stations - 2X Grocery Stores - 2X Restaurants - 1X Other Purchases - IHG Annual Free Night Certificate, value up to 40K points - Automatic IHG Platinum Elite Status - Earn 10,000 bonus points after spending $20K - IHG 4th Night Free On Award Stays IHG Premier Card - AFTER - 10X IHG Hotels - 5X Gas Stations - 5X Travel - 5X Restaurants / Dining - 3X Other Purchases - IHG Annual Free Night Certificate, value up to 40K points - Top Off Free Night Certificate (i.e. combine certificate + points) - Automatic IHG Platinum Elite Status - Achieve IHG Diamond Elite Status (formerly IHG Spire Elite) after spending $40K - Earn 10,000 bonus points + $100 statement credit after spending $20K, plus 1 additional purchase - IHG 4th Night Free On Award Stays - United TravelBank Cash benefit: Up to $50 per calendar year - Annual Fee = $99 NEW IHG PREMIER BUSINESS CARD - Same rewards & benefits as the IHG Premier Card above, plus 2 additional rewards categories and the ability to earn a 2nd Free Night. See details below. Rewards Structure - 10X IHG Hotels - 5X Social Media & Search Engine Advertising - 5X Office Supply Stores - 5X Gas Stations - 5X Travel - 5X Restaurants / Dining - 3X Other Purchases - IHG Annual Free Night Certificate, value up to 40K points - Earn a 2nd IHG Annual Free Night Certificate, up to 40K points, after spending $60K - Top Off Free Night Certificate (i.e. combine certificate + points). This benefit works on both free night certificates (i.e. the one that’s automatically issued and the one earned via spend) - Automatic IHG Platinum Elite Status - Achieve IHG Diamond Elite Status (formerly IHG Spire Elite) after spending $40K - Earn 10,000 bonus points + $100 statement credit after spending $20K, plus 1 additional purchase - IHG 4th Night Free On Award Stays - United TravelBank Cash benefit: Up to $50 per calendar year - Annual Fee = $99 Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #IHGrewards #IHGcreditcard #hotelcreditcards 2022-01-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343361/2-big-updates-to-citi-double-cash-credit-card https://gamma.videonest.org/343361_thumbnail_resized_v2.webp https://gamma.videonest.org/343361_video_v3.mp4 2 BIG UPDATES to Citi Double Cash Credit Card! 2 BIG UPDATES are coming to the Citi Double Cash card on March 28, 2022! Will it still remain one of the kings of cash back? Learn about the details to determine for yourself! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🔗 LINK TO BUSINESS INSIDER ARTICLE: https://www.businessinsider.com/personal-finance/citi-double-cash-will-earn-citi-thankyou-points-instead-of-cash-back-2022-1 BACKGROUND The Citi Double Cash Card has ranked among the best cash back credit cards for years. The reason for this is that it has no annual fee, is very simple to use, and earns 2% cash back on all purchases (1% when you buy, 1% when you pay your bill). That 2% rate is great because most credit cards have a tiered rewards structure, meaning they might earn 4%, 3%, and 2% in specific categories, then 1% on everything else. That means the base rate for all purchases outside of the specific categories is only 1%. So, while the Citi Double Cash card is great on its own, it’s even better to use for “non bonus spend” for the items that’d normally earn that 1% on a different card. WHAT’S CHANGING – PART 1 The Citi Double Cash card earns literal cash back; your rewards balance may show something like $56.50. Beginning March 28, 2022, the cash back rewards will be issued in the form of points (i.e. Citi ThankYou Points). Best of all, points will be worth 1¢ ($0.01) each, which is a BIG improvement from the old days when they were only worth half that :D In other words, this 2% cash back card will become a 2X point card, but your return on spend will still be the same (great news). This is GREAT for 3 main reasons: 1. Many other Citi credit cards also earn ThankYou Points. This means if you have other cards earning the same points, you can combine them all into 1 account balance. That’s a big win for simplicity. 2. If you have the Citi Premier Card, you have access to Citi’s transfer partners – that is, you can transfer your ThankYou points into airline miles or hotel points of partner programs. And now that the Citi Double Cash card will earn points, you can send those over to the Citi Premier Card and then transfer them out to those partners. It’s the Citi transfer partners that enable you to strategically get much more value for your points when redeeming for travel. 3. The Citi Double Cash now fits in even better with a Citi Trifecta or Citi Quadfecta setup (i.e. 3 or 4 credit cards all earning the same points in different categories, including the Citi Prestige Card, Citi Premier Card, Citi Custom Cash Card, Citi Rewards Plus Card, etc.). By using the right card for the right purchase, you can accelerate your rewards earning significantly compared to having just the Double Cash by itself. NOTE: The functionality to convert cash back into ThankYou points on the Citi Double Cash card has been around for several years, but it had to be done manually each time. WHAT’S CHANGING – PART 2 Currently, the Citi Double Cash card has a minimum redemption requirement of $25.00, meaning any rewards balance less than that cannot be redeemed. As of March 28, 2022, that minimum is going away! You’ll then be able to redeem points in any amount or increment, starting at 1 point (worth $0.01). So if you’ve ever wanted to redeem a small amount to cover the cost of lunch, a small utility bill, etc., now you can! REDEEMING CITI THANKYOU POINTS // WHAT ARE CITI THANKYOU POINTS WORTH? To clarify, while cash back and other redemption options will give a full 1¢ per point, redeeming for merchandise at checkout via select partners will only provide 0.8¢ per point in value. Here’s the redemption breakdown: - Travel (via Citi ThankYou portal) = 1¢ per point - Gift cards = 1¢ per point - Mortgage or student loan payments = 1¢ per point - Charity donations = 1¢ per point - Merchandise (i.e. pay at checkout w/ Amazon, PayPal, and more) = 0.8¢ per point Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #citidoublecash #cashbackcreditcards #citicreditcards 2022-01-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343362/amex-business-platinum-card-review-2022-2023 https://gamma.videonest.org/343362_thumbnail_resized_v2.webp https://gamma.videonest.org/343362_video_v3.mp4 AMEX BUSINESS PLATINUM CARD REVIEW (2022-2023) Now with a $695 annual fee, the Amex Business Platinum Card has a bunch of NEW benefits. I’ll give you the full breakdown so you can determine if it’s the right card for your business. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull PUBLIC WELCOME OFFER (Jan. 2022) Earn 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months. Approx. value = $720 - $2,400. Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. ANNUAL FEE = $695 RATES & FEES https://oc.brcclx.com/t/?lid=26678300&cr=28352&last_updated=1598922554 EARN POINTS 5X Flights, Booked via AmexTravel.com 5X Hotels, Prepaid & booked via AmexTravel.com 1.5X U.S. Purchases Made At* - Construction Material & Hardware Suppliers - Electronic Goods Retailers - Software & Cloud System Providers - Shipping Providers 1.5X Purchases of $5,000 or more* 1X Other Purchases *NOTE: Earn 1.5X on up to $2 million spent in the above 1.5X categories per calendar year REDEEM POINTS Travel (Transfer Partners): 2.0¢ per point (avg.) Travel (Portal): See below. - 0.7¢ per point: Hotels, Car Rentals, Cruises, Vacations - 1.0¢ per point: Other Flights, Fine Hotels & Resorts (FHR) hotels - 1.54¢ per point: Flights in 1st Class, Business Class, or any fare class with your preselected airline via Pay With Points feature. Cash Back (Statement Credit): 0.6¢ per point AMEX TRANSFER PARTNERS: See video for list BENEFITS – CREDITS (enrollment may be required) Monthly $120 Wireless Credit: $10/mo. | Valid on wireless telephone service purchases made directly with a U.S. Provider Quarterly $360 Indeed Credit: $90/qtr. | Valid on purchases made directly with Indeed.com Semi-Annual $400 Dell Technologies Credit: $200 every 6 months | Valid on purchases made directly with Dell Technologies in the U.S. Every 4 – 4.5 Years Up to $100 TSA PreCheck / Global Entry Credit: $85 towards TSA PreCheck every 4.5 years | $100 towards Global Entry every 4 years Annual $150 Adobe Creative Solutions Credit: $150/yr. | Valid on purchases of annual prepaid subscriptions for Creative Cloud All Apps or Single Apps for Teams, or Acrobat Pro DC with E-Sign or advanced E-Sign for Teams $200 Airline Fee Credit: $200/yr. | Valid on incidental purchases on 1 airline you select $179 CLEAR Credit: $179/yr. | Valid on CLEAR memberships BENEFITS – TRAVEL (enrollment may be required) - Global Lounge Collection - Fine Hotels & Resorts - The Hotel Collection - Hilton Honors Gold Status - Marriott Bonvoy Gold Elite Status - Premium Car Rental Status with Avis, Hertz, and National - International Airline Program - Upgrade with Points - 35% Airline Bonus - Premium Private Jet Program - Cruise Privileges Program - Platinum Destinations Vacations - No Foreign Transaction Fees BENEFITS – RETAIL & OTHER (enrollment may be required) - Platinum Card Concierge - Global Dining Access by Resy - By Invitation Only - American Express Experiences - American Express Preferred Seating - Amex Auto Purchasing Program - ShopRunner - InCircle - Departures INSURANCE & PROTECTIONS - Car Rental Loss & Damage Insurance - Trip Delay Insurance - Trip Interruption & Cancellation Insurance - Baggage Insurance Plan (lost / damaged / stolen) - Delayed Baggage Insurance - Purchase Protection - Return Protection - Extended Warranty - Cell Phone Protection - Premium Global Assist Hotline SHOULD YOU GET IT? YES if you… - Are a business owner with high spend - Travel frequently - Book flights + hotels via AmexTravel.com - Value 35% Airline Bonus - Will use enough credits to justify annual fee - Value VIP travel experiences (elite status, lounges, upgrades, etc.) - Prefer travel rewards over cash back NO if you… - Have small spend & don’t travel often - Prefer to book travel outside of AmexTravel.com - Don’t care about VIP travel experiences - Don’t spend at Dell, Adobe, Indeed, etc. - Prefer cash back over travel rewards - Don’t like high-annual-fee cards - Want a simple, straightforward card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexplatinum #businesscreditcards #americanexpress 2022-01-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343363/amex-platinum-dollar200-airline-credit-step-by-step-tutorial-or-plus-hilton-honors-aspire-card https://gamma.videonest.org/343363_thumbnail_resized_v2.webp https://gamma.videonest.org/343363_video_v3.mp4 Amex Platinum $200 Airline Credit! (Step by Step Tutorial | PLUS Hilton Honors Aspire Card) The Amex Platinum Card’s $200 Airline Credit only works for certain types of purchases (it’s actually NOT VALID for airfare). Watch this video to learn what works vs. what doesn’t! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull The Amex Platinum Card’s $200 Airline Fee Credit is designed to reimburse air-related purchases in the form of a statement credit. However, it does not work for the cost of an air ticket itself. Rather, it works only for incidental purchases on select airlines that you can change once each year. In case you have the Amex BUSINESS Platinum Card with a $200 Airline Fee Credit, it works in the same way. And if you have the HILTON HONORS ASPIRE CARD with a $250 Airline Fee Credit, that one works in exactly the same way, too. Here are the details you need to know… ELIGIBLE AIRLINES - Alaska Airlines - American Airlines - Delta Air Lines - Frontier Airlines - Hawaiian Airlines - JetBlue Airways - Spirit Airlines - Southwest Airlines - United Airlines HOW TO SELECT AIRLINE FOR AMEX PLATINUM & HILTON HONORS ASPIRE CARD 1. Log into your Amex account from a desktop or laptop 2. Select your Amex Platinum or Hilton Honors Aspire Card 3. Tap on the Benefits tab on the top horizontal menu 4. Scroll down to Airline Fee Credit 5. Enroll for the first time & choose your airline NOTE: You’ll go to the same place to change your airline each year. WHAT WORKS FOR AMEX AIRLINE CREDIT? // WHAT CAN AMEX AIRLINE CREDIT BE USED FOR? // HOW TO GET AMEX AIRLINE CREDIT (Eligible charges) - Checked baggage fees - Overweight / oversize baggage fees - Change fees - Phone reservation fees - Pet flight fees - Airport lounge day passes and annual memberships (Only airline-owned & operated lounges, e.g. American Airlines Admirals Club, Delta SkyClub, United Club, Alaska Lounge) - Seat assignment fees - Inflight amenity fees (beverages, food, pillows / blankets, etc.) - Inflight entertainment fees (excluding wireless internet) NOTE: Must charge these separately from air ticket. If you bundle them with the cost of airfare, it won’t work as the charge will show up as an airfare purchase (which is not eligible). IMPORTANT NOTES 1. 1st-time activation required (see above to learn how) 2. When selecting your airline for the 1st time, you can do so at any time in any month. 3. When changing your airline in your 2nd year and beyond, you can do so 1x per calendar year in January (i.e. Jan 01 – Jan 30). 4. If you don’t make a change, your previous selection remains. 5. You can receive the credit in 1 charge or in multiple charges until the maximum is reached. 6. Credit issued automatically. If you don’t receive a credit within 4 weeks, call the number on the back of your card or chat with Amex online to have them process it manually. 7. Limit one credit per account. If you have authorized users, they can use the credit, but they do not receive their own. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexplatinum #americanexpress #hiltonhonorsaspire 2022-01-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343364/i-canceled-my-amex-business-gold-card-plus-amex-retention-offer-and-annual-fee-refund https://gamma.videonest.org/343364_thumbnail_resized_v2.webp https://gamma.videonest.org/343364_video_v3.mp4 I CANCELED My Amex Business Gold Card (PLUS Amex Retention Offer & Annual Fee Refund) After getting a retention offer on my Amex Business Gold Card, I still decided to cancel it and get the annual fee refunded to my checking account. Learn why & watch the entire process! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WHY I CANCELLED THE CARD - I originally applied for the Amex Business Gold Card to earn 4X Membership Rewards points on online advertising in 2021. Now in 2022, I don’t have any ad spend, and the other rewards categories don’t make sense for me. - The card has a $295 annual fee without any credits to help offset it (unlike the personal Amex Gold Card, which has a $120 Dining Credit and a $120 Uber Credit). - I’d need to have a lot of spend on the card in order to earn enough rewards to break even and get into profit. Since that won’t be the case, I was no longer able to make sense of the annual fee. THE RETENTION OFFER - I did get an Amex retention offer, which was a $250 statement credit. That was a great offer, especially since there was no spend requirement associated with it. However, that would still leave me with an out-of-pocket cost of $45 ($295 - $250). That’d still be a loss for me. CANCELLING THE CARD - The cancellation process was very straightforward. I initiated a chat with American Express via mobile app and requested an account closure. GETTING THE ANNUAL FEE REFUND I received a $295 statement credit for the annual fee within 24 hours. Since my account was closed, I could not use the card to spend those funds. So, I decided to have it refunded. The 3 main options are: - Check via mail - Deposit to a linked checking account - Transfer to another Amex card to lower that card’s balance I initially attempted getting the refund myself via my online Amex account. Here’s the process: 1. Log into your Amex account 2. Click on the Payments tab on the top horizontal menu 3. Under ‘Useful Links’ on the right-side menu, select “Request Credit Balance Refund” 4. Verify your email address 5. Choose “I have a credit balance on my account” 6. Go through the rest of the on-screen prompts for the Dispute a Payment process Unfortunately, it didn’t work as the request was processed for $0 instead of $295. So, I then decided to chat with Amex Customer Support to get it refunded to my linked Bank of America checking account. That worked well, and the deposit appeared the next day. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexbusinesscard #amexgold 2022-01-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343365/how-i-earned-17-million-amex-points-in-1-year https://gamma.videonest.org/343365_thumbnail_resized_v2.webp https://gamma.videonest.org/343365_video_v3.mp4 How I Earned 1.7 Million Amex Points in 1 Year After earning 1.7 million Amex points in 2021, I’m pulling back the curtain to show you how I made it happen! Spoiler Alert: I used 7 unique methods (and I’ll go over each one in detail). Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 7 WAYS I EARNED AMEX MEMBERSHIP REWARDS POINTS IN 2021 1. Spending: This involves using your Amex credit cards for everyday spend. Cards may include the Amex Platinum Card for 5X on airfare & prepaid hotels, the Amex Gold Card for 4X on U.S. Supermarkets and Dining Worldwide, the Amex Green Card for 3X on rideshares & tolls, and the Amex Blue Business Plus for 2X on everything else. Those 4 Amex cards are the ones I used most. 2. Welcome Bonuses: When you apply for a new Amex card & spend a certain amount of money within a certain period of time, you can earn bonus points upfront. This is one of the biggest ways to earn a lot of points in a short period of time. 3. Authorized User Bonuses: American Express will often give you bonus Membership Rewards points for adding another user to your account. If they spend $X in Y time, then you’ll receive a bonus. 4. Retention Offers: If you want to cancel a credit card (oftentimes because an annual fee posts), you can call or chat with American Express to see if they’ll provide extra points, a statement credit, etc. if you agree to keep your card account open another year. 5. Pay Over Time Activation: This feature allows you to carry a balance each month with interest on Amex charge cards (e.g. Amex Green Card, Amex Gold Card, Amex Platinum Card). I don’t recommend actually using this feature, but sometimes you’ll see an offer to earn X points simply for activating it (and ‘activating’ does not require ‘using’ as you can still pay your card balance in full by the due date to avoid all interest). 6. Referrals: Send your Amex referral link to a family member, friend, neighbor, coworker, etc. If they sign up & get approved via your link, they’ll receive a welcome bonus, and you’ll receive a referral bonus. 7. Rakuten: This is an online shopping portal that allows you to earn additional cash back by shopping at partner merchants (see link above). You can switch your account settings from cash back to Amex Membership Rewards points. The points earned from your online shopping will be transferred over to your American Express account four times per year (February, May, August, November). BREAKDOWN OF MY POINTS EARNINGS IN 2021 1. Spending: 240,625 points 2. Welcome Bonuses: 390,000 points 3. Authorized User Bonuses: 25,000 points 4. Retention Offers: 50,000 points 5. Pay Over Time Activation: 30,000 points 6. Referrals: 295,000 points 7. Rakuten: 310,413 points TOTAL = 1,341,038 points HOW DOES 1.3 MILLION = 1.7 MILLION? - I received 37,955 Amex points via Rakuten in Feb. 2021. However, these were earned in Q4 2020, so they “don’t count” as being earned in 2021. Rakuten pays out with a delay. - I had another 398,305 Amex points pending in Rakuten for a Feb. 2022 payout, however, those were earned in Q4 2021. - So if I subtract the 37,955 points and add in the 398,305 points, then the total EARNED in 2021 was 1,701,388 Amex points. HOW MUCH I SPENT ON AMEX CARDS IN 2021 - $97,968.14 - Avg. Return: 2.45X points per $1 spent HOW ‘SPENDING’ COMPARES - 18% of my Amex points were earned via spending on Amex cards - 82% of my Amex points were earned via everything else Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexpoints #amexmembershiprewards 2022-01-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343366/secret-method-how-to-activate-duplicate-amex-offers https://gamma.videonest.org/343366_thumbnail_resized_v2.webp https://gamma.videonest.org/343366_video_v3.mp4 *SECRET METHOD* How To Activate Duplicate Amex Offers! Amex Offers are a great way to double dip your rewards, but do you know the secret way to activate the same offer across multiple Amex cards? Watch this video to find out how! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull One of the big advantages to using American Express credit cards is the Amex Offers program. Amex Offers are essentially like digital coupons that you can add to your card to earn additional rewards points (Amex Membership Rewards points), statement credits, discounts, etc. However, if you see the same Amex Offer across multiple Amex cards and add that offer to one of them, the ability to add those duplicate offers to your other cards disappears. However, there’s a workaround to this, and here’s how it works… 1. Sign up for the MaxRewards app at the Gold level 2. Add & sync your Amex account to the app 3. MaxRewards will automatically activate Amex Offers for you. Since it can do this across multiple Amex cards simultaneously, it bypasses the lag Amex would normally have to prevent the same Offer from being used more than once across different cards. 3. To see all your Offers inside MaxRewards, tap on the Benefits tab on the bottom menu. 4. You can scroll & search to see all the activated offers. 5. Shop at the merchants associated with the offers & receive the additional rewards automatically! This works whether you have the Amex Platinum Card, Amex Gold Card, Amex Delta credit cards, Amex Marriott credit cards, etc. Enjoy! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexoffers #amexcreditcards 2022-01-01T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343367/10-reasons-why-i-canceled-the-hilton-honors-aspire-card https://gamma.videonest.org/343367_thumbnail_resized_v2.webp https://gamma.videonest.org/343367_video_v3_converted.mp4 10 Reasons Why I CANCELED the Hilton Honors Aspire Card The Hilton Honors Aspire Card is perhaps the best hotel credit card available, but…I CANCELED IT. I’ll expose my 10 reasons for closing it and help you understand if it makes sense for you. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Even though the Hilton Honors American Express Aspire Card is extremely rewarding, I decided to cancel it (or rather…BOTH of them) :D Here’s why… 1. I HAVE HILTON HONORS DIAMOND STATUS FOR 4 YEARS 💎 - I originally applied & got approved for the Hilton Aspire card on 3.18.2019. - Hilton extended all status levels thru 3.31.2023. 2. I DON’T NEED / WANT WEEKEND NIGHT CERTIFICATES 🎟 - I have enough free night certificates with Marriott and Hyatt. - Since Hilton free night awards have no restrictions for brand, category, or point value, they’re best used at expensive properties. At the moment, most of my travels are at mid-scale & upscale properties, so I’d likely get around $150 -$250 of value (which isn’t great for an ‘unlimited value’ free night). In fact, that’s roughly the value I get from the Marriott & Hyatt certificates, which have capped values. 3. I FIND THE $250 HILTON RESORT CREDIT TOO RESTRICTIVE 🌴 - Only works at about 270 resort locations (4% of Hilton’s portfolio). Currently, Hilton has 6,500+ properties. - Link to Hilton Resorts: https://www.hilton.com/en/resorts/ 4. I FIND THE $250 AIRLINE FEE CREDIT TOO RESTRICTIVE ✈️ - Only works on 1 airline from a small list of eligible airlines, currently: Alaska Airlines, American Airlines, Delta Airlines, Frontier Airlines, Hawaiian Airlines, JetBlue Airways, Spirit Airlines, Southwest Airlines & AirTran Airways, United Airlines & Continental Airlines, US Airways) - Only covers incidental charges (not airfare). - I cover some incidental charges with airline credit cards. - I cover other air incidentals with the Amex Platinum Card & Ritz-Carlton Credit Card ($500 total in air incidental credits. 5. I FIND THE $100 HILTON ON-PROPERTY CREDIT TOO RESTRICTIVE 🏨 - Only works at 2 Hilton brands (Waldorf Astoria & Conrad hotels). - Requires 2-night minimum stay. - Does not work for cost of the room. Only incidentals charged to the room (like food, beverage, spa treatments, etc.) - Must book via link (HiltonHonors.com/aspirecard) or via phone with code ZZAAP1. - Must book flexible rate, which may not be the lowest rate. 6. I DON’T NEED ANOTHER PRIORITY PASS MEMBERSHIP 💳 - Already have this with other credit cards 7. I DON’T STAY AT HILTON HOTELS OFTEN ENOUGH ✌️ - On average, I have 1 or 2 Hilton stays per year. 8. I’M NOT FOCUSED ON EARNING HILTON POINTS 🔵 - Plan A = cash back - Plan B = flexible and/or transferrable travel points (Amex Membership Rewards points, Chase Ultimate Rewards points, Capital One Venture miles, etc.) 9. I DON’T WANT TO PAY A $450 ANNUAL FEE Annual fees make the most sense when they: - Function as a prepayment for benefits you’d normally pay cash for, or… - Give you discounts on things that would cost more buying directly, or… - Give you access to things money can’t buy. The $450 fee missed all 3 of those points for me right now 10. MAKE ROOM FOR OTHER AMEX CARDS - Amex usually allows a maximum of 4 – 5 credit cards per person. I decided to cancel my Hilton credit cards to free up room for new Amex credit cards (e.g. Amex Blue Business Cash). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #hiltonhonors #travelcreditcards 2021-12-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343368/watch-me-apply-us-bank-triple-cash-rewards-card-us-bank-business-credit-card-application https://gamma.videonest.org/343368_thumbnail_resized_v2.webp https://gamma.videonest.org/343368_video_v3.mp4 *WATCH ME APPLY* U.S. Bank Triple Cash Rewards Card (U.S. Bank Business Credit Card Application) The U.S. Bank Triple Cash business credit card is next on my list to apply for! It’s got a $500 bonus, some great 3% cash back categories, and no annual fee. Watch to see if I get approved! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull THE CARD U.S Bank Triple Cash Rewards Visa Business Card THE WELCOME OFFER - Earn $500 cash after spending $4,500 in the first 150 days - 0% APR on balance transfers and purchases for the first 15 months, then variable 13.99% - 22.99% afterwards. ANNUAL FEE = $0 THE REWARDS - 3% Gas Stations - 3% Restaurants - 3% Office Supply Stores - 3% Cell Phone Service Providers - 1% Other Purchases BENEFITS - $100 Software Credit: Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks. Terms apply. MY CREDIT SCORE | MY CREDIT REPORT | OTHER NOTES - U.S. Bank business credit cards do not report to your personal credit report. This means they will not affect the Chase 5/24 Rule when applying for Chase credit cards (e.g. if you’re at 4/24, apply & get approved for a U.S. Bank business credit card, then you’ll still be 4/24 after). - I had a preexisting U.S. bank relationship before applying, which included: 1 business credit card (U.S. Bank Business Leverage card), 2 personal credit cards (U.S. Bank Altitude Reserve, U.S. Bank Cash+), 1 checking account (personal), and 1 savings account (personal). - U.S. Bank pulled my Experian credit report for this business credit card application. This may or may not be the same for you as it could vary based on location. - My FICO credit score per Experian was 782 before applying. - In terms of how many credit cards I had on my credit report before applying, I was… - 0 cards in past 6 months - 1 card in past 12 months - 3 cards in past 24 months Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #usbankbusinesscreditcard #usbanktriplecashrewards #businesscredit 2021-12-23T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343369/capital-one-venture-rewards-credit-card-review https://gamma.videonest.org/343369_thumbnail_resized_v2.webp https://gamma.videonest.org/343369_video_v3.mp4 Capital One VENTURE REWARDS Credit Card Review! Are you a traveler who wants to save money with a simple rewards credit card? The Capital One Venture card could be a great fit. Watch to learn more! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (Dec. 2021) Earn 60,000 Venture miles (worth $600+ towards travel) after spending $3,000 in the first 3 months. ANNUAL FEE = $95 EARN MILES - 5X Hotels (booked via Capital One Travel portal) - 5X Rental Cars (booked via Capital One Travel portal) - 2X Other Purchases REDEEM MILES - Travel (Transfer Partners): 1.85¢ per point on average | 60K = $1,110 - Travel (Pay with Miles at Checkout via portal): 1.0¢ per mile | 60K = $600 - Travel (Cover Travel Purchases Later as statement credit): 1.0¢ per mile | 60K = $600 - Cash Back (Statement Credit or Check): 0.5¢ per mile | 60K = $300 - Other Options include: Gift Cards, Redeem With PayPal, Shop With Amazon CAPITAL ONE TRANSFER PARTNERS Aeromexico Club Premier Air Canada Aeroplan Air France Flying Blue Asia Miles Avianca LifeMiles British Airways Executive Club Emirates Skywards Etihad Airways Etihad Guest EVA Air Infinity MileageLands Finnair Plus Qantas Frequent Flyer Singapore Airlines KrisFlyer TAP Miles&Go Turkish Airlines Miles&Smiles ALL Accor Live Limitless Choice Privileges Wyndham Rewards QUICK LINK TO CAPITAL ONE TRAVEL PORTAL http://travel.capitalone.com CAPITAL ONE VENTURE REWARDS BENEFITS - Capital One Lounge Access: 2 free visits each calendar year (Jan - Dec), then $45 per visit. If you bring a guest, that will use 1 of the free visits. Learn more about Capital One Lounges here: https://capitalonetravel.com/lounges - Hertz Five Star Status: Skip the counter & choose from a wider selection of cars. Enrollment required. - Global Entry / TSA PreCheck Credit: Up to $100 every 4 years to cover the application fee. - Capital One Experiences: Access to premium experiences in dining, entertainment, sports, and more. - No Foreign Transaction Fees INSURANCE & PROTECTIONS - 24-Hour Travel Assistance Services - Auto Rental Collision Damage Waiver - Coverage is secondary - Travel & Emergency Assistance Services - Travel Accident Insurance - Extended Warranty Note: Above coverages available if you’re approved for the Visa Signature version of the card. SHOULD YOU GET IT? YES if you… - Want to use 1 card for everything for travel - Want a travel card for non-bonus spend - Value access to Capital One Lounges 2x / yr. - Value Capital One’s transfer partners - Aren’t loyal to specific airlines / hotels NO if you… - Prefer cash back rewards - Don’t value Capital One’s transfer partners - Want a 3+ card setup with 1 issuer for travel - Aren’t willing to pay an annual fee And yes, this is a metal credit card :] Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitaloneventure #travelcreditcards #capitalonecreditcard 2021-12-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343370/capital-one-venture-x-unboxing https://gamma.videonest.org/343370_thumbnail_resized_v2.webp https://gamma.videonest.org/343370_video_v3.mp4 CAPITAL ONE VENTURE X UNBOXING! My Capital One Venture X arrived via FedEx Overnight shipping! Here’s the full unboxing, drop test, and weight comparison against the regular Capital One Venture and Chase Sapphire Reserve! “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO (Capital One Venture X Review) https://youtu.be/00L0zsN82Ks 🎬 VIDEO (Capital One Venture X vs Chase Sapphire Reserve) https://youtu.be/gWzETLG291w BACKGROUND The Capital One Venture X credit card launched on November 9, 2021 and it’s the first-ever super-premium travel credit card by Capital One. I applied for it on December 6th and received it on December 9th via FedEx overnight delivery (it took a couple days for the card to be made, packaged, etc.) Press Release: https://www.prnewswire.com/news-releases/capital-one-launches-venture-x-its-new-class-of-travel-card-which-helps-fuel-peoples-passion-for-travel-301419988.html CAPITAL ONE VENTURE X REVIEW (short version) WELCOME BONUS (Dec. 2021) Earn 100,000 Venture miles (worth $1,000+ towards travel) after spending $10,000 in the first 6 months, PLUS receive a $200 Vacation Rental Credit to be used at eligible merchants, including: - Airbnb - Turnkey - Vacasa - VRBO ANNUAL FEE = $395 EARN MILES - 10X Hotels (booked via Capital One Travel portal) - 10X Rental Cars (booked via Capital One Travel portal) - 5X Flights (booked via Capital One Travel portal) - 2X Other Purchases MAIN BENEFITS - $300 Annual Travel Credit - 10,000-Mile Anniversary Bonus - Airport Lounge Access: Capital One Lounges and Priority Pass lounges - $100 Global Entry / TSA PreCheck Credit - Free Authorized Users: Add up to 4 authorized users at no charge - Hertz President’s Circle Elite Status - Visa Infinite Benefits, including Luxury Hotel Collection - No Foreign Transaction Fees MISC. INFO - The Capital One Venture X is a metal credit card - Weight: 17g - In comparison, the regular Capital One Venture Rewards card weighs 16g and the Chase Sapphire Reserve weighs 13g. All are metal credit cards with plastic on the outside and a metal core on the inside - You can get the Venture X if you already have (or had) the regular Venture credit card - Capital One will pull from all 3 credit bureaus when you apply for a credit card (1 inquiry on each report: Experian, TransUnion, Equifax) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitaloneventurex #travelcreditcards #metalcreditcards 2021-12-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343371/watch-me-apply-capital-one-venture-x-credit-card-application https://gamma.videonest.org/343371_thumbnail_resized_v2.webp https://gamma.videonest.org/343371_video_v3.mp4 *WATCH ME APPLY* Capital One Venture X Credit Card Application I applied for the Capital One Venture X credit card and recorded the application process! Learn a SECRET TIP before you apply, understand what’s involved, PLUS I’ll expose my credit score at the end :D Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO (Capital One Venture X Review): https://youtu.be/00L0zsN82Ks BACKGROUND - Capital One pulls from all 3 credit bureaus, meaning you’ll get 3 inquiries for each new credit card application (i.e. 1 on Experian, 1 on TransUnion, and 1 on Equifax). However, you can freeze either Experian or Equifax to avoid one of those inquiries (TransUnion must be unlocked). So, consider freezing the report that has the greatest number of inquiries so Capital One won’t see them. This may put the odds of approval more in your favor. For me, I had the highest inquiry count on Experian, so I decided to freeze that report before submitting my Capital One Venture X credit card application. - Note 1: Performing a security freeze on your credit report is not necessary. It’s simply a tactic that can be used when it makes sense, as in the case of hiding inquiries that could potentially hurt your approval odds. - Note 2: Freezing credit reports won’t work for all applications with all banks. The information provided in this video is specific to Capital One as of the recording of this video. EXPERIAN CREDIT FREEZE - Go to https://www.experian.com/freeze/center.html - Click on ‘Add a security freeze’ - Select ‘Freeze my own credit file’ - Go through the process CAPITAL ONE VENTURE X (mini review) WELCOME BONUS (Dec. 2021) Earn 100,000 Venture miles (worth $1,000+ towards travel) after spending $10,000 in the first 6 months, PLUS receive a $200 Vacation Rental Credit to be used at eligible merchants, including: - Airbnb - Turnkey - Vacasa - VRBO ANNUAL FEE = $395 EARN MILES - 10X Hotels (booked via Capital One Travel portal) - 10X Rental Cars (booked via Capital One Travel portal) - 5X Flights (booked via Capital One Travel portal) - 2X Other Purchases MAIN BENEFITS - $300 Annual Travel Credit - 10,000-Mile Anniversary Bonus - Airport Lounge Access: Capital One Lounges and Priority Pass lounges - $100 Global Entry / TSA PreCheck Credit - Free Authorized Users: Add up to 4 authorized users at no charge. - Hertz President’s Circle Elite Status - Visa Infinite Benefits, including Luxury Hotel Collection - No Foreign Transaction Fees MY CREDIT FACTORS – BEFORE Credit Scores - Experian: 783 (FICO Score 8) - TransUnion: 806 (VantageScore 3.0) - Equifax: 826 (VantageScore 3.0) Inquiries - Experian: 9 - TransUnion: 5 - Equifax: 0 New Accounts - Past 6 months: 0 - Past 12 months: 1 - Past 24 months: 3 Average Age of Accounts - 3 year 11 months Prior Relationship - I’ve been with Capital One since 2017 - 1 personal credit card: Capital One Venture Rewards card - 1 business credit card: Capital One Spark Cash Select card - 3 Capital One checking accounts (personal) - 1 Capital One Savings account (personal) MY CREDIT FACTORS – AFTER Credit Scores - Experian credit score had no change (frozen) - TransUnion credit score dropped from 806 to 802 (4 points) - Equifax credit score dropped from 826 to 823 (3 points) Credit Inquiries - Experian had no change (frozen) - TransUnion increased from 5 to 6 (1 new) - Equifax increased from 0 to 1 (1 new) New Accounts - No changes to any report (Venture X won’t be reported for several weeks) Average Age of Accounts - No changes to any report (Venture X won’t be reported for several weeks) WHY I CHOSE THIS CARD 1. Welcome Bonus: 100,000 miles is worth $1,000+ towards travel 2. Spend Requirement / Return on Spend: I could spend $10,000 in 6 months with my normal expenses. $1,000 bonus ÷ $10,000 spend = 10% return (great!) 3. Capital One Lounges: DFW airport = 1st location. I fly to / through this airport multiple times per year. 4. Strong Value with Simple Rewards: Easy to wipe out travel purchases via statement credit at 1.0¢ per point. Potential for higher value via transfer partners. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitaloneventurex #travelcreditcards #creditcards 2021-12-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343372/amex-platinum-dollar100-saks-credit-step-by-step-tutorial https://gamma.videonest.org/343372_thumbnail_resized_v2.webp https://gamma.videonest.org/343372_video_v3.mp4 Amex Platinum $100 Saks Credit! (Step by Step Tutorial) The Amex Platinum Card has a benefit called ‘Shop Saks with Platinum.’ It gives you $50 twice per year towards Saks Fifth Avenue purchases, up to $100 in statement credits. Learn how to use it in this video! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WHEN DO YOU RECEIVE YOUR $50 STATEMENT CREDITS? - Statement Credit 1: Earn up to $50 January – June each year. - Statement Credit 2: Earn up to $50 July – December each year. - Maximum of $100 in statement credits annually. HOW TO USE AMEX PLATINUM SAKS CREDIT (Enrollment required) 1. Log into your American Express account 2. Pull up your Amex Platinum Card 3. Click on the Benefits tab from the top horizontal menu 4. Scroll down to the Shop Saks with Platinum section 5. Click on Learn More 6. Click on Enroll now 7. Shop online at saks.com or in a Saks Fifth Avenue department store and charge your purchase to your Platinum Card. 8. A $50 statement credit will automatically post to your account in 2-4 weeks after an eligible purchase is charged (typically happens in a few days). THE CREDIT IS NOT VALID FOR… Not valid on Saks Fifth Avenue Gift Cards or purchases at outlet locations (in stores and online). Excludes purchases at restaurants located within the store and Online Bill Pay for Saks Credit. Not valid on online purchases shipped outside of the US. WHAT HAPPENS IF I MAKE A RETURN? Statement credit may be reversed if the eligible purchase is returned or cancelled. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexplatinumcard #saksfifthavenue 2021-12-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343373/new-visa-credit-card-benefits-or-how-to-get-free-shipping-with-target-and-more-shipt-review https://gamma.videonest.org/343373_thumbnail_resized_v2.webp https://gamma.videonest.org/343373_video_v3.mp4 NEW VISA CREDIT CARD BENEFITS! | How to Get Free Shipping With Target & More (Shipt Review) Got a Visa credit card? You’ve got NEW BENEFITS as of September 2021! One of these benefits is with Shipt, a rapid delivery service that can save you tons of time. Watch me use it for the first time & learn how it works! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🔗 CNBC ARTICLE (New Visa Infinite Benefits) https://www.cnbc.com/select/visa-shipt-skillshare-sofar-benefits/ 🔗 SHIPT ENROLLMENT SITE (With Visa Benefits) https://www.shipt.com/visa/ 🔗 SHIPT-VISA TERMS & CONDITIONS https://www.shipt.com/offer-terms-for-visa/ Back in September 2021, Visa announced new benefits for its cardholders with Shipt, Skillshare, and Sofar Sounds. In this video, we’ll go over Shipt. Shipt is currently available in over 5,000 cities in the United States and has partnerships with over 100 retailers. In short, Shipt is a membership program (normally $99/yr.) that gives you free delivery on orders of $35 or more, often on the same day within hours of the time you purchased! Partner retailers include: Target, BevMo!, CVS, Bed Bath & Beyond, Smart & Final, Rite Aid, Petco, various supermarkets, and more! Shipt works with personal shoppers who take your order from those partner retail locations. They literally do the shopping trip for you based on what you ordered online / via app and then deliver the merchandise. Rather than paying the $99/yr. annual fee right away, your Visa credit card can reduce that cost significantly. STANDARD VISA BENEFITS - 1 month free Shipt membership - Then 3 months at 50% off VISA SIGNATURE BENEFITS - 3 months free Shipt membership - Then 9 months at 50% off VISA INFINITE BENEFITS - Up to 3 years free Shipt membership After the trial / free periods end, you’ll automatically be enrolled into the $99/yr. membership. If you don’t want to pursue that, I suggest scheduling out a calendar reminder to go off at the future date to cancel. And if you like it then consider keeping it! It can be a major time saver. EXAMPLES OF CREDIT CARDS THAT QUALIFY - Bank of America Premium Rewards Elite (Visa Infinite) - Bank of America Premium Rewards (Visa Signature) - Bank of America Customized Cash Rewards (Visa Signature) - Bank of America Travel Rewards (Visa Signature) - Bank of America Unlimited Cash Rewards (Visa Signature) - Capital One Venture X (Visa Infinite) - Capital One Venture (Visa Signature) - Chase Sapphire Reserve (Visa Infinite) - Chase Sapphire Preferred (Visa Signature) - Chase Freedom Unlimited (Visa Signature) - U.S. Bank Altitude Reserve (Visa Infinite) - U.S. Bank Altitude Connect (Visa Signature) - U.S. Bank Altitude Go (Visa Signature) - Wells Fargo Active Cash (Visa Signature) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #shiptreview #visasignature #visainfinite 2021-12-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343374/capital-one-venture-x-vs-chase-sapphire-reserve https://gamma.videonest.org/343374_thumbnail_resized_v2.webp https://gamma.videonest.org/343374_video_v3.mp4 CAPITAL ONE VENTURE X vs. CHASE SAPPHIRE RESERVE Two of the BEST premium travel credit cards go head to head! Learn if the Capital One Venture X or the Chase Sapphire Reserve is a better fit for your lifestyle & travel goals. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CREDIT CARD #1: CAPITAL ONE VENTURE X Welcome Bonus (Dec. 2021) Earn 100K miles after spending $10K in the first 6 months, PLUS a $200 Vacation Rental Credit Annual Fee = $395 Earn Miles - 10X Hotels* - 10X Rental Cars* - 5X Flights* - 2X Other Purchases *Via Capital One Travel Portal Redeem Miles - Travel (Transfer Partners): 1.85¢ per mile (avg.) - Travel (Portal): 1.0¢ per mile - Cash Back (Statement Credit or Check): 0.5¢ per mile CAPITAL ONE TRANSFER PARTNERS - See video at 2:27 CAPITAL ONE VENTURE X BENEFITS (short version) - $300 Annual Travel Credit: Valid for travel purchased via Capital One Travel portal. Renews each card anniversary year. - 10,000-Mile Anniversary Bonus - Airport Lounge Access: (1) Capital One Lounges (2) Priority Pass w/ 2 guests and restaurants - $100 Global Entry / TSA PreCheck Credit: Every 4 years - Free Authorized Users: Up to 4 AUs at no charge. Each receives Priority Pass membership. - Rental Car Elite Status: Hertz, National, Avis, Silvercar - Visa Infinite Luxury Hotel Collection - No Foreign Transaction Fees - AUs: $0 CREDIT CARD #2: CHASE SAPPHIRE RESERVE Welcome Bonus (Dec. 2021) Earn 50K Chase Ultimate Rewards points after spending $4K on purchases in the first 3 months. Annual Fee = $550 Earn Points - 10X Hotels (via Chase travel portal)* - 10X Car Rentals (via Chase travel portal)* - 10X Chase Dining - 5X Flights (via Chase travel portal)* - 3X Travel Worldwide - 3X Other Dining - 1X Other Purchases *After $300 annual travel credit is used Redeem Points - Travel (Transfer Partners): 2.0¢ per point, avg. - Travel (Ultimate Rewards Portal): 1.5¢ per point - Pay Yourself Back: 1.5¢ per point - Cash Back (Statement Credit, Deposit): 1.0¢ per point CHASE TRANSFER PARTNERS - See video at 5:03 CHASE SAPPHIRE RESERVE BENEFITS (short version) - $300 Annual Travel Credit: Valid for all travel. Renews each card anniversary year if opened after 5/21/2017. Through 12.31.2021, credit applies to gas station & grocery store purchases. - $100 Global Entry / TSA PreCheck Credit: Every 4 years - Airport Lounge Access: (1) Chase Sapphire Lounge by the Club (2) Priority Pass w/ 2 guests and restaurants - Visa Infinite Luxury Hotel & Resort Collection - Rental Car Elite Status: National, Avis, Silvercar - Reserved by Sapphire: Book exclusive reservations at some of the most sought-after restaurants across the country. - Partner Benefits: DoorDash, Lyft, Peloton - AUs: $75 - No Foreign Transaction Fees WHICH IS BEST? Capital One Venture X is best for: - Rewards simplicity - 1-2 card setup - Big spenders on travel & ‘other’ Chase Sapphire Reserve is best for: - Rewards flexibility & value - Multi-card setup (e.g. Chase Trifecta) - Big spenders on travel & dining WHICH ONE SHOULD YOU GET? Get the CAPITAL ONE VENTURE X if you… - Are a frequent traveler - Want rewards that are only GREAT for travel - Prefer Capital One’s transfer partners - Book travel in 1 place (Capital One Travel portal) - Don’t value earning points & elite status with hotel / rental car programs - Fly to / through airports with Capital One Lounges - Like using 1 or 2 cards for rewards simplicity - Want to add authorized users / Priority Pass members at no charge - Strongly value Hertz President’s Circle status when booking direct w/ Hertz Get the CHASE SAPPHIRE RESERVE if you… - Are a frequent traveler - Want rewards that are GREAT for travel and GOOD for cash back - Prefer Chase’s transfer partners - Book travel in different ways (direct, Chase portal, other portals…) - Value earning points & elite status with hotel / rental car programs - Fly to / through airports with Chase Sapphire Lounges - Like using multiple cards to maximize rewards earning - Don’t want to add authorized users (or are ok with paying $75) - Don’t care about Hertz status Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitaloneventure #chasesapphire #travelcreditcards 2021-12-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343375/exposed-bank-of-america-premium-rewards-elite-credit-card https://gamma.videonest.org/343375_thumbnail_resized_v2.webp https://gamma.videonest.org/343375_video_v3.mp4 *EXPOSED!* Bank of America Premium Rewards ELITE Credit Card A leaked PDF of the new Bank of America Premium Rewards Elite credit card was discovered and I got my hands on it! Let’s see what this new $550 annual fee travel credit cards has to offer! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 📝 SECRET APPLICATION LINK https://secure.bankofamerica.com/apply-credit-cards/public/icai-single/#/info/ RUMORED WELCOME BONUS Same as the Bank of America Premium Rewards Credit Card: earn 50,000 points after spending $3,000 in the first 90 days. REWARDS STRUCTURE / EARN POINTS - 2X Travel - 2X Dining - 1.5X Other Purchases This card will be eligible for the Bank of America Preferred Rewards Program, allowing you to earn up to 25%, 50%, or 75% more points depending on your level. Learn more here: https://www.bankofamerica.com/preferred-rewards/details/ REDEEM POINTS - Travel - Cash rewards - Statement credit - Distinctive experiences - Gift cards PERKS, BENEFITS, CREDITS - $300 Annual Airline Incidental Credit: Earn up to $300 in Airline Incidental Statement Credits annually for qualifying purchases such as airline lounge fees, seat upgrades, baggage fees and in-flight services. - $150 Annual Lifestyle Credit: Covers food delivery, streaming services, fitness subscriptions, and rideshare services each year. - $100 Global Entry / TSA PreCheck Credit: Available every 4 years - Full-Services Concierge: Book travel, dinner reservations, event tickets, and more - 20% Airline Savings: Save 20% on domestic or international airfare for any class when you pay with points through the Bank of America Travel Center or with the full-service Concierge. - Fly Privately with NetJets: Several benefits as follows… a. 12.5-Hour NetJets Card: The standard NetJets Card requires a minimum commitment of 25 hours, but because of the partnership, you now have limited-time access to a 12.5-hour introductory card. b. Bonus Flight Hour: Receive one additional hour with the purchase of a 25-hour NetJets Card - pay for 25 hours and receive 26 hours. Valued at approximately $8,000–$22,000, based on the cabin class you choose. c. Upgraded Cabin Class: Receive one complimentary round-trip upgrade to the next cabin class every year with the purchase of a 50-hour NetJets Share or NetJets Lease. d. NetJets Flight Time: Points accrued may be redeemed in one-hour increments, with a two hour minimum (one-hour minimum for current NetJets Owners), for flights on available aircraft. Additional terms and conditions may apply. - Airport Lounge Access: Complimentary Priority Pass Select membership with unlimited visits. - Relais & Chateaux Benefits: VIP welcome, complimentary breakfast daily, and more. - Visa Infinite Luxury Hotel Collection: Access to room upgrades, daily breakfast for 2, property credits, and more. - Other Visa Infinite Benefits: Special access & savings at more than 50 select Sonoma County wineries, assistance getting into hospitality and VIP areas at major tournaments / races / concerts, access to tickets to sold out events, golf benefit by Troon, ID Navigator Powered by NortonLifeLock. - Rental Car Elite Status & Benefits: Avis President’s Club, Hertz Gold Plus Rewards, National Car Rental Emerald Club Executive, and up to 30% savings with Silvercar by Audi. - Cruise & Vacation Package benefits - No Foreign Transaction Fees INSURANCE & PROTECTIONS - Trip Cancelation / Trip Interruption Insurance - Baggage Delay Insurance - Emergency Evacuation / Repatriation of Remains Coverage - Travel & Emergency Assistance Services - Roadside Dispatch - Auto Rental Collision Damage Waiver - Travel Accident Insurance - Trip Delay Insurance - Lost Luggage Reimbursement - Return Protection - Extended Warranty Protection - Purchase Security Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #bankofamericacreditcard #bankofamericapremiumrewards #travelcreditcard 2021-11-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343376/capital-one-venture-x-review https://gamma.videonest.org/343376_thumbnail_resized_v2.webp https://gamma.videonest.org/343376_video_v3.mp4 CAPITAL ONE VENTURE X REVIEW! The Capital One Venture X card is one of the best travel credit cards available, but that doesn’t mean it’s right for everyone. Learn if YOU should apply before your next vacation! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (Nov. 2021) Earn 100,000 Venture miles (worth $1,000+ towards travel) after spending $10,000 in the first 6 months, PLUS receive a $200 Vacation Rental Credit to be used at eligible merchants, including: - Airbnb - Turnkey - Vacasa - VRBO ANNUAL FEE = $395 EARN MILES - 10X Hotels (booked via Capital One Travel portal) - 10X Rental Cars (booked via Capital One Travel portal) - 5X Flights (booked via Capital One Travel portal) - 2X Other Purchases REDEEM MILES - Travel (Transfer Partners): 1.85¢ per point on avg. | 100K = $1,850 - Travel (Pay with Miles at Checkout via portal): 1.0¢ per mile | 100K = $1,000 - Travel (Cover Travel Purchases Later as statement credit): 1.0¢ per mile | 100K = $1,000 - Cash Back (Statement Credit or Check): 0.5¢ per mile | 100K = $500 - Other Options include: Gift Cards, Redeem With PayPal, Shop With Amazon CAPITAL ONE TRANSFER PARTNERS Aeromexico Club Premier Air Canada Aeroplan Air France Flying Blue Asia Miles Avianca LifeMiles British Airways Executive Club Emirates Skywards Etihad Airways – Etihad Guest EVA Air – Infinity MileageLands Finnair Plus Qantas Frequent Flyer Singapore Airlines KrisFlyer TAP Miles&Go Turkish Airlines Miles&Smiles ALL Accor Live Limitless Choice Privileges Wyndham Rewards CAPITAL ONE VENTURE X BENEFITS - $300 Annual Travel Credit: Automatic statement credit for travel booked via Capital One Travel. Issued as 1 credit if purchase is ≥ $300, or as multiple credits until the $300 maximum is met. Normally appears in 1 – 7 business days; may take up to 2 billing cycles. - 10,000-Mile Anniversary Bonus: Each account anniversary you’ll receive 10,000 bonus miles. - Airport Lounge Access: (1) Capital One Lounge: Unlimited visits w/ up to 2 guests at no charge. Additional guests are $45 each. (2) Priority Pass: Unlimited visits w/ up to 2 guests at no charge. Additional guests pay the day pass rate, currently $32 each. Includes access to Priority Pass restaurants. Learn about Capital One Lounges here: https://www.capitalone.com/learn-grow/more-than-money/capital-one-lounges-arriving-in-airports - Global Entry / TSA PreCheck Credit: Receive up to a $100 statement credit to cover the application fee for either program, up to $100 every 4 years. Appears in 1-2 billing cycles. - Free Authorized Users: Add up to 4 authorized users at no charge. Each AU receives their own Priority Pass membership & can bring 2 guests of their own. - Hertz President’s Circle Elite Status: Receive benefits like Skip the Counter, E-Return, Guaranteed Upgrades, Free Additional Drivers, and more. Enrollment required. Authorized users are also eligible for this status when enrolled. - Visa Infinite Benefits: Including Luxury Hotel Collection for upgrades, breakfast for 2, etc. - No Foreign Transaction Fees INSURANCE & PROTECTIONS - Trip Cancellation & Interruption Insurance - Trip Delay Reimbursement - Lost Luggage Reimbursement - Travel Accident Insurance - Cellphone Protection - Primary Rental Car Insurance - Purchase Protection - Return Protection - Extended Warranty Protection SHOULD YOU GET IT? YES if you… - Value the simplicity of using use 1 card for everything while earning travel rewards - Normally pay cash for hotels, rental cars & flights - Are willing to book travel via Capital One portal and/or transfer partners - Value access to Capital One Lounges - Want Hertz President’s Circle status - Want one of the best Priority Pass memberships - Value cellphone protection - Value primary rental car insurance NO if you… - Don’t travel at least 2-3 times per year - Never pay cash for travel - Don’t stay at hotels or rent cars while traveling - Aren’t willing to book travel via Capital One portal - Don’t live near / fly through airports w/ Capital One Lounges - Aren’t willing to pay a $395 annual fee - Prefer cash back rewards Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitaloneventurex #travelcreditcards #capitalonecreditcard 2021-11-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343377/watch-me-apply-chase-business-credit-card-application-chase-ink-business-cash https://gamma.videonest.org/343377_thumbnail_resized_v2.webp https://gamma.videonest.org/343377_video_v3_converted.mp4 *WATCH ME APPLY* Chase Business Credit Card Application (Chase Ink Business Cash) Ever wondered how to fill out a Chase business credit card application? Here’s your answer! I’ll walk you through it step by step and then submit it to see if I get approved :D Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull THE CARD - Chase Ink Business Cash THE OFFER - Earn $750 cash back after spending $7,500 on purchases in the first 3 months, issued as 75,000 Chase Ultimate Rewards points where 1 point = 1¢ ($0.01). THE APPLICATION - Standard online application. No special promotion. No targeted offer. I also applied as a guest without logging into my preexisting Chase account. THE REWARDS - 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year - 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year - 1% Other Purchases SEVERAL KEY BENEFITS - No cost to add additional employee cards - Redeem for cash back, gift cards, travel, and more through the Chase Ultimate Rewards portal - Primary auto rental collision damage waiver when renting for business purposes - Purchase protection - Extended warranty protection - More ANNUAL FEE = $0 MY CREDIT FACTORS – BEFORE Credit Score - Experian: 789 (FICO Score 8) - TransUnion: 801 (VantageScore 3.0) - Equifax: 822 (VantageScore 3.0) Inquiries - Experian: 7 - TransUnion: 5 - Equifax: 0 New Accounts - Past 12 months: 1 - Past 24 months: 3 Average Age of Accounts - 3 year 11 months Prior Relationship - I’ve been with Chase since 2014, which was when I opened my first credit card with them. Since then, I’ve gotten additional personal credit cards, business credit cards, and checking & savings accounts (both on the personal side) MY CREDIT FACTORS – AFTER - My Experian credit score dropped 7 points, from 789 to 782 due to the new hard inquiry - My Experian inquiry count increased from 7 to 8 - No other factors changed. MY 5/24 STATUS - I was at 3/24 when I applied WHY I CHOSE THIS CARD 1. Welcome Bonus: $750 cash back issued as 75,000 Ultimate Rewards points is great, and it can also be worth $937.50+ towards travel with the Chase Sapphire Preferred (or even $1,125 with the Chase Sapphire Reserve if you have it) 2. Spend Requirement / Return on Spend - I could spend $7,500 in 3 months with my normal expenses - $750 bonus ÷ $7,500 spend = 10% return (very good) 3. I Was Below 5/24 - After being over 5/24 for 5-6 years, I spent the last 2 getting under 4. Doesn’t Increase 5/24 Count After Approval - For Chase business cards, you need to be below 5/24 to get approved. But if you get approved, then it does not increase your 5/24 count. Example: Apply at 3/24, get approved, still at 3/24 after. WHAT IS THE CHASE 5/24 RULE? It means that Chase will automatically deny a credit card application if you’ve opened 5+ credit cards with any bank that appear on your credit report within the past 24 months. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #businesscredit #chaseinkbusiness #bestbusinesscreditcards 2021-11-23T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343378/how-does-rakuten-work-step-by-step-tutorial-or-plus-rakuten-amex-membership-rewards https://gamma.videonest.org/343378_thumbnail_resized_v2.webp https://gamma.videonest.org/343378_video_v3.mp4 HOW DOES RAKUTEN WORK? (Step by Step Tutorial) | PLUS: Rakuten Amex Membership Rewards Want to earn more cash back? Rakuten is one of the best online shopping portals to earn cash back on top of your credit card rewards. Watch this tutorial to learn how it works! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull HOW TO EARN CASH BACK WITH RAKUTEN 💵 Rakuten is a shopping portal, formally known as eBates, that allows you to earn cashback in addition to your credit card rewards (it doesn’t matter if you’ve got a cash back credit card or one that earns air miles, hotel points, or general travel rewards points). Basically, Rakuten is an affiliate network. Here’s how that business model works: 1. Rakuten sends you to online retailers to buy goods & services. It uses tracking code on the backend to determine if you made a purchase and for how much. 2. If you make a purchase, the retailer gives Rakuten a commission as a ‘thank you’ for sending customers (usually a percent of the sale price or a flat rate) 3. Rakuten shares a part of that commission with you! Best of all, Rakuten literally sends you to the merchant’s actual website, so your shopping experience is identical as if you had gone there directly. So whether you’re shopping at Nike, Under Armour, Macy’s, Saks Fifth Avenue, or elsewhere, it’s definitely worth going through Rakuten first to see if that retailer is on Rakuten’s portal. If so, then you can earn more cash back! PAYOUTS - Rakuten pays out 4x per year (February, May, August, November), roughly mid-month … that is, the 15th plus or minus a day or two. Payment Schedule & Earning Periods - Purchases made Jan 01 - Mar 31 = Payout on May 15 - Purchases made Apr 01 - Jun 30 = Payout on Aug 15 - Purchases made Jul 01 - Sep 30 = Payout on Nov 15 - Purchases made Oct 01 - Dec 31 = Payout on Feb 15 NOTE: Your cash-back balance must be $5.00 or more by the end of an earning period period to receive a payout. If it's less, it won't expire, but instead will roll into the next period so you can keep earning until that $5.00 threshold is met or exceeded. Link to Learn More: https://www.rakuten.com/help/article/getting-your-rakuten-cash-back-payments-360002117667 PAYMENT OPTIONS - As Amex Membership Rewards points - As cash back paid out via PayPal - As cash back paid via physical check mailed to your address HOW TO SWITCH TO AMEX MEMBERSHIP REWARDS POINTS - Create a Rakuten account - Hover your mouse of the top-right menu with your name - Select Account Settings - Scroll down - Under ‘How would you like to get paid?’ … choose your payment method. Amex Membership Rewards points are one option, and you can link your account from there. In general, I recommend earning Amex points if you want to redeem for travel or if you have the Amex Schwab Platinum Card to redeem into your brokerage account (currently at 1.10¢ per point … e.g. 10,000 points = $110). Rakuten is also stackable with other offers, like Amex Offers / Chase Offers / Capital One offers / etc. This means you can earn regular credit card rewards, PLUS whatever card-linked offers you may have added, PLUS Rakuten cash back, PLUS discount codes, etc. It can become highly rewarding :D You can also refer friends & family with your Rakuten referral link! The standard offer is usually to earn $30 cash back or 3,000 Amex points when your friend signs up for the first time with your link and spends $30 or more in the first 90 days. You'll earn $30 and so will your friend! Elevated referral offers occur, too! As I write this, the current offer is $40 cash back or 4,000 Amex points when your friend signs up for the first time with your link and spends $40 or more in the first 90 days. So whether you’re doing holiday shopping, special event shopping, or simply buying something for yourself, remember that Rakuten is a great way to put more money in your pocket! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #rakuten #cashback #amexmembershiprewards 2021-11-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343379/amex-rose-gold-retention-offer-2021 https://gamma.videonest.org/343379_thumbnail_resized_v2.webp https://gamma.videonest.org/343379_video_v3.mp4 AMEX ROSE GOLD RETENTION OFFER 2021! The $250 annual fee on my American Express Rose Gold Card hit my account. Given the competition from the Capital One Savor Card, I decided to ask for a retention offer. Here’s what happened! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull THE CARD - American Express Gold Card - Date Opened: 9.22.2019 (2 yr. 1 mo.) - Annual Fee: $250 THE SPEND - 2019: $1,329.92 - 2020: $3,666.66 - 2021: $1,640.87 - Total: $6,637.45 THE CHAT - Me (reasons to cancel): Cap. One Savor earns @ same rate w/ better cash value & lower annual fee. - Rep (reasons to keep): Value of credits + points from grocery spend is greater than annual fee. Me (rebuttal): “Unfortunately, the dining credits with Uber/Grubhub aren't of much value now that I'm no longer doing any food delivery. And at the moment, I much prefer cash back. It looks like those 24,000 points are only worth $144 cash. So I'm sorry, but that won't work for me.” THE OFFER - Points: 20,000 Membership Rewards points (value = $120 – $200+ on avg.) - Spend Requirement: $2,000 in 3 months - Previous Retention Offers: N/A When you have credit cards with annual fees, make sure you get more value from them than they cost you, which can be in the form of rewards, credits, perks & benefits, insurance protections, etc. A lot of American Express credit cards & charge cards do have annual fees, so each year I recommend reviewing the value you get to determine if a given card is a keeper or not. Before you cancel a credit card, see if there are downgrade paths to take. Many banks will allow you to convert 1 card product to another, which could mean moving from a card WITH an annual fee to one WITHOUT an annual fee (and typically preserve your payment history, account age, credit limit, and account number). And of course, you can request a retention offer as I did in this video. If you go with this route, be sure to keep your credit card open for at least 1 full year from the time the offer is added to your account. This is to (a) stay in good standing with the bank and (b) to avoid the chance of the bank taking the bonus points back – or worse, freezing / cancelling your account. Good luck on your Amex retention offer! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexgoldcard #amexrosegold #americanexpress 2021-11-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343380/do-credit-card-points-expire-or-chase-points-amex-points-cash-back-and-more https://gamma.videonest.org/343380_thumbnail_resized_v2.webp https://gamma.videonest.org/343380_video_v3_converted.mp4 DO CREDIT CARD POINTS EXPIRE? | Chase points, Amex points, cash back & more! Do Chase points expire? What about Amex points? Or air miles or cash back? This video will give you the answers so you can avoid losing your rewards (and instead travel for free or put more cash back in your wallet) :D Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull There are a TON of different credit card rewards programs, as well as loyalty programs for airlines, hotels, and more (and don't forget about those cash back credit cards)! As you earn rewards, you'll want to make sure you keep your accounts active to avoid losing them from expiration. QUESTION: Do credit card points expire? Do credit card miles expire? Does cash back expire? ANSWER: Yes / no. It depends on the rewards program. 4 MAIN TYPES OF REWARDS 1. Bank points / Credit card points 2. Hotel points 3. Air miles 4. Cash back BANK POINTS / CREDIT CARD POINTS - Amex Membership Rewards Points: Never if you have at least 1 active card that earns them. - Bank of America Points: Never if you have at least 1 active card that earns them. - Capital One Venture / Spark Miles: Never if you have at least 1 active card that earns them. - Chase Ultimate Rewards Points: Never if you have at least 1 active card that earns them. - Citi ThankYou Points: (1) Points do not expire as long as you keep the card account open that earned them. (2) If you close a card account, the ThankYou points earned on that card account will expire in 60 days, even if you have another card open that earns ThankYou points. (3) If you share points with another ThankYou member, those points will expire 90 days after they are transferred & received by the other person. - Discover Miles: Never if you have at least 1 active card that earns them. - U.S. Bank Altitude Points: Never if you have at least 1 active card that earns them. - Wells Fargo GoFar Rewards Points: Varies by card. See video. HOTEL POINTS - Best Western: Never if your account is open - Choice Privileges: 18 months of no activity - Hilton Honors: 15 months of no activity - IHG Rewards: 12 months of no activity - Marriott Bonvoy: 24 months of no account activity - Radisson Rewards: 24 months of no account activity - World of Hyatt: 24 months of no account activity - Wyndham Rewards: (1) All points expire after 18 months of no account activity. (2) Individual points expire 4 years after they are earned. NOTE: Account activity refers to earning or redeeming points. Qualifying activity can vary from one program to another. However, earning points via stays & credit cards qualifies to reset the expiration clock. AIR MILES - Alaska Mileage Plan: 24 months of no account activity - American AAdvantage: (1) Miles expire after 24 months of no account activity. (2) Miles do not expire if member is under age 21. - Delta SkyMiles: Never if account is open - Frontier Miles: 6 months of no account activity - HawaiianMiles: 18 months of no account activity - JetBlue TrueBlue: Never if account is open - Southwest Rapid Rewards: Never if account is open - Spirit Free Spirit Miles: 12 months of no account activity - United MileagePlus: Never if account is open CASH BACK CREDIT CARDS - Amex: Never if account is open - Bank of America: Never if account is open - Capital One: Never if account remains open - Citi: Cash back expires when Cardmembers have not earned any cash back from purchases or payments for those purchases with a 12-month period. - Discover: Never if account is open - U.S. Bank: Cash rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned. - Wells Fargo: Never if account is open NOTE ABOUT TRANSFER PARTNERS: Using transfer partners to convert bank points into air miles or hotel points does not reset the expiration clock for those air / hotel programs. You must earn, redeem, or buy points or miles. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasepoints #amexpoints #citithankyoupoints 2021-11-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343381/whats-in-my-wallet-q4-2021-or-credit-card-strategy-2021 https://gamma.videonest.org/343381_thumbnail_resized_v2.webp https://gamma.videonest.org/343381_video_v3.mp4 WHAT’S IN MY WALLET Q4 2021 | Credit Card Strategy 2021 I’m revealing the credit cards I’m using in Q4 2021! Learn what I’ve got in my wallet and why so you can better understand my current credit card rewards strategy for the end of the year! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CREDIT CARD #1: American Express Platinum Card for Schwab (Schwab Platinum Card) - Welcome Bonus (Nov. 2021): Earn 100,000 Membership Rewards points after spending $6K in the first 6 months, PLUS earn 10X points at Restaurants Worldwide & U.S. Shop Small locations on up to $25K in combined purchases in the first 6 months. - Annual Fee: $695 - Rewards: 5X Flights booked directly with airlines and via Amex Travel Portal on up to $500K spend per calendar year | 5X Prepaid Hotels via Amex Travel portal | 1X Other Purchases - Why It’s In My Wallet: Lounge access for upcoming trip. I used the Amex Centurion Lounge at Denver International Airport. CREDIT CARD #2: American Express Gold Card - Welcome Bonus (Nov. 2021): Earn 75,000 Membership Rewards points after spending $4K in the first 6 months - Annual Fee: $250 - Rewards: 4X Restaurants Worldwide | 4X Groceries at U.S. Supermarkets | 3X Flights booked directly with airlines or via Amex Travel Portal | 1X Other Purchases - Why It’s In My Wallet: Dining & grocery purchases. CREDIT CARD #3: Chase Freedom Flex Credit Card - Welcome Bonus (Nov. 2021): Earn $200 cash back after spending $500 on purchases in the first 3 months, PLUS earn 5% back at gas stations on up to $6K spent in the first year, PLUS 0% intro APR for the first 15 months (then 14.99% - 23.74% variable). - Annual Fee = $0 - Rewards: 5% Quarterly Categories on up to $1,500 spent in combined categories per quarter when activated | 5% Travel via Chase Ultimate Rewards® | 3% Dining, incl. takeout & eligible delivery services | 3% Drugstores | 1% Other Purchases - Why It’s In My Wallet: Earning 5% via PayPal as part of the Q4 2021 quarterly categories. CREDIT CARD #4: Capital One Venture Rewards Credit Card - Welcome Bonus (Nov. 2021): Earn 60,000 bonus miles after spending $3,000 on purchases in the first 3 months. - Annual Fee = $95 - Rewards: 5X Hotels via Capital One Travel | 5X Rental Cars via Capital One Travel | 2X Other Purchases - Why It’s In My Wallet: Redeem miles against upcoming hotel purchase. I currently had 23,860 miles, which will be worth $238.60 towards my hotel stay. CREDIT CARD #5: American Express Business Gold Card - Welcome Bonus (Nov. 2021): Earn 70,000 Membership Rewards points after spending $10K on purchases in the first 3 months - Annual Fee: $295 - Rewards: 4X Top 2 Spend Categories Each Billing Cycle on up to $150K spent per calendar year with 6 eligible categories to choose from | 1X Other Purchases - Why It’s In My Wallet: Spending towards the welcome bonus. CREDIT CARD #6: Wyndham Rewards Earner Business Card - Welcome Bonus (Nov. 2021): Earn 45,000 Wyndham points after spending $1K in the first 90 days. - Annual Fee = $95 - Rewards: 8X Wyndham Hotels | 8X Gas Stations | 5X Eligible Marketing, Advertising and Utilities | 1X Other Purchases - Why It’s In My Wallet: Spending towards the welcome bonus. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #whatsinmywallet 2021-11-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343382/world-of-hyatt-business-credit-card-review https://gamma.videonest.org/343382_thumbnail_resized_v2.webp https://gamma.videonest.org/343382_video_v3.mp4 WORLD OF HYATT BUSINESS CREDIT CARD REVIEW! Chase and Hyatt launched the FIRST-EVER Hyatt business credit card! It’s a unique hotel credit card that’s designed for certain small business owners. Find out if that’s YOU! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (Oct. / Nov. 2021) Earn 75,000 World of Hyatt points after spending $7,500 in the first 3 months. The approximate value of those points is $1,275 (avg.) ANNUAL FEE = $199 EARN HYATT POINTS - 4X Hyatt hotels - 2X Top 3 Spend Categories Per Qtr. | Valid thru 12.31.2022 | Then starting 1.01.2023…earn 2X in your Top 2 Spend Categories Per Qtr. - 2X Fitness Club & Gym memberships - 1X Other Purchases ELIGIBLE “TOP SPEND CATEGORIES” - Airline Tickets (purchased directly with the airline) - Car Rental Agencies - Local Transit & Commuting - Gas Stations - Dining - Shipping - Internet, Cable & Phone Services - Social Media & Search Engine Advertising REDEEM HYATT POINTS - Best for Hyatt hotels & resorts - Avg. value = 1.7¢ per point HYATT BUSINESS CREDIT CARD BENEFITS - Discoverist Status: Automatic as long as card is open. Includes benefits like: 10% bonus on base points, complimentary premium internet, free bottled water, room upgrades (excl. suites), 2 PM late check-out. See elite benefits here: https://world.hyatt.com/content/gp/en/tiers-and-benefits.html#charts - Give Discoverist Status: Give status to up to 5 employees. - Tier-Qualifying Night (TQN) Credits: Earn 5 TQNs towards status and Milestone Rewards for every $10,000 you spend in a calendar year. - $100 Hyatt Credit: Receive a $50 statement credit when you spend $50+ at any Hyatt property, up to 2 times each card anniversary year. - 10% Redemption Bonus: Spend $50,000 on your card in a calendar year, then get 10% of your redeemed points back for the remainder of the year. Maximum rebate per year is 20,000 points. - Hyatt Leverage Membership: Access to discounts on standard room rates. Learn more here: https://www.hyatt.com/leverage - No Foreign Transaction Fees INSURANCE & PROTECTIONS - Auto rental collision damage waiver - Travel & emergency assistance - Trip cancellation / interruption insurance - Purchase protection - Extended warranty protection SHOULD YOU GET IT? YES if you… - Stay at Hyatt hotels frequently (4X points) - Want to focus on earning Hyatt points & spend within the choice categories (2X points) - Value Hyatt elite status & want to earn status via spend - Spend $50K+ on the card per year to unlock 10% Redemption Bonus and earn 25+ TQNs - Want access to discounted room rates via Hyatt Leverage membership NO if you… - Don’t stay at Hyatt hotels often - Don’t value Hyatt elite status - Don’t have high spend - Prefer cash back / more flexible travel rewards - Are over Chase 5/24 rule GOOD TO KNOW - You must be below 5/24 to apply & get approved, but if you get approved, it will not increase your 5/24 count. Example: You’re at 4/24, get approved, and still 4/24 after. - You can get BOTH the personal & business Hyatt cards. - Employee cards have no annual fee. - 10% rebate is not retroactive. Once you reach $50K spend, you’ll start receiving the 10% redemption rebate from that point forward. - It’s a metal credit card! Source image showing “Contains metal do not shred”: https://viewfromthewing.com/chase-launches-brand-new-hyatt-small-business-card/ Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #hyattcreditcard #travelcreditcards #worldofhyatt 2021-11-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343383/wyndham-earner-business-card-unboxing https://gamma.videonest.org/343383_thumbnail_resized_v2.webp https://gamma.videonest.org/343383_video_v3.mp4 WYNDHAM EARNER BUSINESS CARD UNBOXING! After 34 days, I FINALLY received my Wyndham Earner Business Card! Time to open it up, see what it looks like, and begin working on that spend requirement for 90,000 Wyndham points! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO 1: My Credit Card Application Nightmare https://youtu.be/H-dI07AXAi0 🎬 VIDEO 2: 3 New Wyndham Credit Cards https://youtu.be/LpYhgpTlK5A Below is a brief breakdown of the Earner Business card highlights… WELCOME BONUS (As of 9.18.2021 when I applied for it) Earn 90,000 Wyndham bonus points in 2 tiers: - Tier 1: Earn 60,000 points after spending $1K in the first 90 days - Tier 2: Earn an additional 30,000 points after spending a total of $2K in the first 6 months - CURRENTLY (late October 2021): Bonus is back to 45,000 points after spending $1K in the first 90 days. ANNUAL FEE = $95 EARN POINTS - 8X Wyndham hotels - 8X Gas Stations - 5X Marketing, Advertising and Utility purchases - 1X Other Purchases KEY BENEFITS (short version) - Annual Bonus: Get 15,000 bonus points each card anniversary year, enough for 2 nights at low-tier properties, 1 night at mid-tier properties, or halfway to a night at a top-tier property - Automatic Wyndham Diamond Elite Status - Cardmember Booking Discount - Cell Phone protection - No foreign transaction fees WHY I APPLIED FOR THE WYNDHAM REWARDS EARNER BUSINESS CREDIT CARD a. Welcome Bonus - 90,000 Wyndham Rewards points = $900+ (on average) b. Diamond Elite Status - Early check-in, late checkout, suite upgrades, welcome amenity, more - See Wyndham elite status benefits: https://www.wyndhamhotels.com/wyndham-rewards/member-levels c. Caesars Partnership + Status Match - Caesars, Harrah’s, Nobu Hotel, The Cromwell, Bally’s, more - See Caesars Rewards elite status benefits: https://www.caesars.com/myrewards/benefits-overview d. Anniversary Bonus - 15,000 bonus points each year e. Business Credit Card - Does not appear on personal credit report - Does not count towards Chase 5/24 Rule Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcardapplication #barclayscreditcard #wyndhamcreditcard 2021-10-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343384/my-credit-card-application-nightmare-or-barclays-wyndham-rewards-earner-business-card https://gamma.videonest.org/343384_thumbnail_resized_v2.webp https://gamma.videonest.org/343384_video_v3.mp4 My Credit Card Application NIGHTMARE | Barclays Wyndham Rewards Earner Business Card This is the story of the WORST credit card application experience I’ve ever had. I applied for the Wyndham Earner Business Card from Barclays and it ended up being a total nightmare. Watch to learn what happened! Learn how to use it & maximize the value! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull BACKGROUND This video is about my credit card application journey for the Wyndham Rewards Earner Business Card, issued by Barclays. The welcome bonus was 90,000 Wyndham Rewards points in 2 tiers: - Tier 1: Earn 60,000 points after spending $1K in the first 90 days - Tier 2: Earn an additional 30,000 points after spending a total of $2K in the first 6 months Overall, it was quite a long journey, though ultimately, I received an approval :D (1a) MY CREDIT REPORT BEFORE APPLYING Scores - Experian: 789 - TransUnion: 810 - Equifax: 826 Inquiries Experian: 9 - TransUnion: 4 - Equifax: 0 New Accounts - In the past 12 months: 2 - In the past 24 months: 6 Average Age of Accounts / Average Age of Credit History - 3 years, 9 months Prior Relationship - Barclays personal credit card (AAdvantage Aviator) - Barclays Online Savings account (1b) MY CREDIT REPORT AFTER APPLYING - TransUnion credit score dropped from 810 to 805 (5 point decrease) - TransUnion inquiry count went from 4 to 5 (1 point increase) - All other credit factors remained the same (2) RESULT + TIMELINE - Applied on September 18, 2021 - Approved on October 13, 2021 - Received on October 22, 2021 - All in that was 34 days! - I received an approval for a $1,000 credit limit (3) HELPFUL BARCLAYS INFORMATION - Check Application Status Online https://www.barclaycardus.com/apply/cas/applications/search - Barclays Reconsideration Line (866) 408-4064 - Barclays Security Team 1 (866) 469-5977 | Operates 24 hours, 7 days per week Recommended to call around midnight Eastern Time - Barclays Mail Card Services P.O. Box 8834 Wilmington, DE 19899 - Barclays Fax (866) 836-9595 Include cover letter with Application ID So in the end, if you get denied for a credit card, it can still be worth a call to the reconsideration team to see if the decision can be reversed :] And no, not all Barclays credit card applications are this difficult :D Back in 2018 I got the AAdvantage Aviator Business Mastercard with an instant approval online. Same held true for the AAdvantage Aviator Red Mastercard (personal credit card) that I opened in 2017, it was an instant online approval (this card account is still open as I publish this video, though I've downgraded it to the regular AAdvantage Aviator card with no annual fee). My best guess as to why this credit application gave me so much difficulty is because I recently moved, and a new address on your credit report can raise flags for further identity verification. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcardapplication #barclayscreditcard #wyndhamearnerbusiness 2021-10-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343385/amex-platinum-dollar200-hotel-credit-step-by-step-tutorial https://gamma.videonest.org/343385_thumbnail_resized_v2.webp https://gamma.videonest.org/343385_video_v3_converted.mp4 Amex Platinum $200 Hotel Credit! (Step by Step Tutorial) The Amex Platinum $200 Hotel Credit can help you save money and provide you with VIP perks on your next hotel stay. Learn how to use it & maximize the value! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull AMEX PLATINUM $200 HOTEL CREDIT: REQUIREMENTS 1. Must use Amex Platinum Card 2. Must book hotel via Fine Hotels & Resorts portal or The Hotel Collection portal 3. Reservation must be prepaid (i.e. charged to your card at the time of booking) 4. Statement credit will be issued within 90 days Note: The statement credit is automatic & does not require enrollment or activation AMEX PLATINUM $200 HOTEL CREDIT: HOW TO USE 1. Log into your Amex online account 2. From the Main Menu, select ‘Travel’ and then ‘Book Fine Hotels & Resorts’ or ‘Book The Hotel Collection’ 3. Search for your hotel, go through the checkout process, and ensure a prepaid booking is charged to your American Express Platinum Card. 4. Receive an automatic statement credit of up to $200 per calendar year AMEX FINE HOTELS AND RESORTS VS HOTEL COLLECTION: BENEFIT COMPARISON Amex Fine Hotels & Resorts Benefits - Daily breakfast for 2 - $100 experience credit - Guaranteed 4 PM late check-out - 12 PM check-in, when available - Room upgrade, when available - Complimentary Wi-Fi Amex The Hotel Collection Benefits - $100 experience credit - Room upgrade, when available MINIMUM NIGHT REQUIREMENTS - Fine Hotels & Resorts: 1 night minimum - The Hotel Collection: 2 night minimum Note: The Hotel Collection doesn't even allow a single night to be booked. COMPARISON CHART + Q&A LINK https://www.americanexpress.com/en-us/travel/benefits/how-to-use-hotel-credit (Note: Viewable while logged out of your Amex account) Q: DOES THE $200 HOTEL CREDIT EXPIRE? A: Yes. The credit renews each calendar year, meaning you have from January 01 – December 31 each year to use the credit. Any unused portion will not roll over to the next year. Q: WHAT IS A PREPAID BOOKING? A: If you pay in full at the time of booking it is considered a prepaid booking, as opposed to paying a deposit or at the time of hotel stay check-out. A prepaid booking is referred to as “Pay Now” on AmexTravel.com and in the Amex App. Q: CAN I RECEIVE THE $200 HOTEL CREDIT IF I USE PAY WITH POINTS? A: Yes, you can receive the $200 Hotel Credit if you use Pay with Points with your eligible U.S. Platinum Card for some or all of your eligible prepaid Fine Hotels + Resorts or The Hotel Collection booking if you have not already earned the credit for the year. Q: WILL BOOKINGS MADE BY AUTHORIZED USERS WORK? A: Yes, eligible prepaid Fine Hotels + Resorts and The Hotel Collection bookings made by U.S. Consumer Basic and Additional Platinum Card Members will apply towards the $200 statement credit each year. No more than a total of $200 in statement credits for eligible purchases will be applied across all Platinum Cards on the Account. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexplatinum #amexhotelcollection #amexfinehotelsandresorts 2021-10-21T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343386/rumor-dollar550-bank-of-america-elite-visa-infinite-card-or-launching-nov-22-2021 https://gamma.videonest.org/343386_thumbnail_resized_v2.webp https://gamma.videonest.org/343386_video_v3.mp4 *RUMOR!* $550 Bank of America Elite Visa Infinite Card | Launching Nov. 22, 2021 It’s rumored that the Bank of America Elite Visa Infinite Card will be launching on November 22, 2021. This would be BOA’s first premium travel credit card with a $550 annual fee! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🔗 Doctor of Credit Blog Post 1: https://www.doctorofcredit.com/rumor-bank-of-america-to-launch-new-credit-card-platinum-rewards-elite/ 🔗 Doctor of Credit Blog Post 2: https://www.doctorofcredit.com/bank-of-america-elite-visa-infinite-card-coming-in-november-550-annual-fee-300-airline-incidental-150-lifestyle-credits-more/ It’s rumored that a brand-new Bank of America credit card will be coming out on November 22, 2021 and will be called the “Bank of America Elite Visa Infinite.” It clearly seems like a direct competitor to the Chase Sapphire Reserve and U.S. Bank Altitude Reserve. Here are the rumored details per Doctor of Credit / Reddit: - Welcome Bonus: TBD - Annual Fee: $550 - $150 Lifestyle Credit: Covers charges for things like streaming services, food delivery services, fitness subscriptions, and rideshare services - $300 Air Incidental Credit: Covers charges for airfare-related expenses (excluding the cost of your ticket), including: seat upgrades, baggage fees, in-flight services, and airline lounge fees - 20% Airfare Savings: Provides a discount on domestic & international flights when paying with points via the Bank of America Travel Center or Concierge. Valid on any class of airfare - Up to $100 in statement credits to cover the application fees for Global Entry or TSA PreCheck. Available every 4 years - Earning Rates (points): 2X Travel | 2X Dining | 1.5X Other Purchases - Eligible for Bank of America Preferred Rewards program benefits, including earning an extra 25% – 75% more points on every purchase. This means you could earn up to 3.5 points on travel and dining, and up to 2.62 points on all other purchases for each $1.00 spent - Redeem Points: Travel, cash back, statement credit, distinctive experiences or gift cards - Airport Lounge Access: Complimentary Priority Pass Select membership - NetJets partnership: Purchase or redeem points for flight time, complimentary upgrades and other perks - 24/7 Concierge services to book travel, dinner reservations, event tickets and more - Visa Infinite benefits, including the Luxury Hotel Collection - No foreign transaction fees Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bankofamerica #elitevisainfinite 2021-10-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343387/chase-sapphire-reserve-review-2022 https://gamma.videonest.org/343387_thumbnail_resized_v2.webp https://gamma.videonest.org/343387_video_v3_converted.mp4 CHASE SAPPHIRE RESERVE REVIEW 2022! The Chase Sapphire Reserve is one of the BEST TRAVEL CREDIT CARDS you can get, and it recently got even better with 5X - 10X point categories. Ready to see if it’s right for you? Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO 1 – Chase 5/24 Rule Explained https://youtu.be/muJEN8C86JY 🎬 VIDEO 2 – How to Use Chase Pay Yourself Back https://youtu.be/KxT8KEdGpGM NOTE: Terms apply to Chase benefits and offers. Visit chase.com to learn more. WELCOME BONUS (Oct. 2021) Earn 50,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first 3 months. The approximate value of that bonus is $500 - $1,000+ (avg.) based on how you redeem your points. ANNUAL FEE = $550 EARN ULTIMATE REWARDS POINTS - 10X Hotels* via Ultimate Rewards portal - 10X Car Rentals* via Ultimate Rewards portal - 10X Chase Dining via Ultimate Rewards portal - 5X Flights* via Ultimate Rewards portal - 3X Travel Worldwide* - 3X Other Dining: Incl. eligible delivery services, takeout & dining out - 1X Other Purchases * After the $300 Annual Travel Credit is used WHAT COUNTS AS TRAVEL FOR CHASE SAPPHIRE? See the link below for what counts across ALL rewards categories: https://www.chase.com/personal/credit-cards/rewards-category-faq REDEEM ULTIMATE REWARDS POINTS - Travel (Transfer Partners): 2.0¢ per point, avg. - Travel (Chase Portal): 1.50¢ per point, flat rate - Pay Yourself Back (Statement Credit, select categories): 1.50¢ per point, flat rate - Cash Back (Statement Credit or Deposit): 1.0¢ per point, flat rate CHASE TRANSFER PARTNERS (Oct. 2021) Aer Lingus, AeroClub Air Canada Aeroplan British Airways Executive Club Emirates Skywards Flying Blue Air France KLM Iberia Plus JetBlue TrueBlue Singapore Airlines KrisFlyer Southwest Airlines Rapid Rewards United MileagePlus Virgin Atlantic Flying Club IHG Rewards Club Marriott Bonvoy World of Hyatt CHASE SAPPHIRE RESERVE BENEFITS - $300 Annual Travel Credit: Automatic $300 statement credit for travel purchases each account anniversary year. (Through 12.31.2021, credit applies to gas station & grocery store purchases). - TSA PreCheck or Global Entry Credit: Up to $100 every 4 years to cover application fee. - Airport Lounge Access: Complimentary Priority Pass Select membership. Includes Priority Pass Restaurants: receive a $28 credit for primary cardholder and $28 for up to 1 guest ($56 total). - Visa Infinite Luxury Hotel & Resort Collection: VIP perks at top hotels & resorts: room upgrade, breakfast for 2, late check-out, $25 F&B credit, complimentary Wi-Fi, etc. - Reserved by Sapphire: Book exclusive reservations at some of the most sought-after restaurants across the country. - DoorDash: DashPass for at least 1 year (activate by 3.31.2022), PLUS up to $60 in statement credits (valid through 12.31.2021). - Lyft: Earn 10X points thru March 2022, PLUS Lyft Pink for 1 year (activate by 3.31.2022). - Peloton: $120 back on Peloton Digital / All-Access Membership through 12.31.2021. - No Foreign Transaction Fees INSURANCE & PROTECTIONS - Trip Cancellation / Interruption Insurance - Auto Rental Collision Damage Waiver - Lost Luggage Reimbursement - Trip Delay Reimbursement - Emergency Evacuation & Transportation - Purchase Protection - Return Protection - Extended Warranty Protection SHOULD YOU GET IT? YES if you… - Travel frequently - Spend broadly on Travel & Dining - Will spend $300+ on travel each year - Value Chase’s transfer partners - Will use partner benefits (Lyft, DoorDash, etc.) - Have other Chase cards that earn Ultimate Rewards points NO if you… - Don’t travel much / at all - Don’t spend on travel & dining - Won’t use the travel / DoorDash credits - Prefer cash back with no annual fee - Want 1 card for everything - Are over Chase 5/24 Rule Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #chasesapphire #travelcreditcards 2021-10-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343388/amex-platinum-card-review-2022-or-dollar695-annual-fee https://gamma.videonest.org/343388_thumbnail_resized_v2.webp https://gamma.videonest.org/343388_video_v3.mp4 Amex Platinum Card Review 2022 | $695 Annual Fee The Amex Platinum Card has a ton of NEW BENEFITS and a higher annual fee :D This in-depth review will help you determine if it belongs in your wallet or if a different travel credit card makes more sense. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull NOTE: Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. WELCOME BONUS (Oct. 2021) Earn 100,000 Membership Rewards points after spending $6K in the first 6 months. PLUS, earn 10X points on eligible purchases at restaurants worldwide AND U.S. Shop Small locations. Valid on up to $25K spend in combined purchases during your first 6 mo. ANNUAL FEE = $695 EARN POINTS - 5X Flights: Booked directly w/ airlines or AmexTravel.com - 5X Hotels: Prepaid via AmexTravel.com - 1X Other Purchases REDEEM POINTS - Travel (Transfer Partners): 2.0¢ per point, avg. - Travel (Portal): 0.7¢ per point for hotels, car rentals, cruises, and vacations | 1.0¢ per point for flights - Cash Back (statement credit): 0.6¢ per point AMEX TRANSFER PARTNERS Aer Lingus Aer Club Aeromexico Air Canada Air France KLM Flying Blue Alitalia Millemiglia ANA Mileage Club Asia Miles Avianca Lifemiles British Airways Delta SkyMiles Emirates Skywards Etihad Guest Hawaiian Airlines Iberia Plus JetBlue TrueBlue Quantas Frequent Flier Singapore Airlines KrisFlyer Virgin Atlantic Choice Privileges Hilton Honors Marriott Bonvoy AMEX PLATINUM CARD BENEFITS – PART 1 - CREDITS - $240 Digital Entertainment Credit - $155 Walmart+ Credit - $200 Uber Cash Benefit - $300 Equinox Credit - $100 Shop Saks With Platinum Credit - $85-$100 Global Entry / TSA PreCheck - $200 Hotel Credit - $200 Airline Fee Credit - $300 SoulCycle At-Home Bike Credit - $179 CLEAR Credit AMEX PLATINUM CARD BENEFITS – PART 2 – TRAVEL - Global Lounge Collection - Fine Hotels & Resorts - The Hotel Collection - Hilton Honors Gold Status: https://www.hilton.com/en/hilton-honors/member-benefits/ - Marriott Bonvoy Gold Elite Status: https://www.marriott.com/loyalty/member-benefits/gold.mi - Premium Rental Car Status - Premium Global Assist Hotline - International Airline Program - Upgrade With Points - Premium Private Jet Program - Cruise Privileges Program - Platinum Destinations Vacations - No Foreign Transaction Fees AMEX PLATINUM CARD BENEFITS – PART 3 – RETAIL & OTHER - Platinum Card Concierge - Global Dining Access - By Invitation Only - American Express Experiences - American Express Preferred Seating - Amex Auto Purchasing Program - ShopRunner - InCircle - Departures INSURANCE & PROTECTIONS - Baggage Insurance Plan - Trip Delay Insurance - Trip Cancellation & Interruption Insurance - Car Rental Loss & Damage Insurance - Premium Car Rental Protection - Purchase Protection - Return Protection - Extended Warranty - Cell Phone Protection SHOULD YOU GET IT? YES if you… - Travel frequently - Will use enough of the credits each year - Value VIP travel experiences (elite status, lounges, upgrades, etc.) - Prefer travel rewards over cash back - Want top-tier insurance protections - Don’t mind managing a lot of benefits NO if you… - Don’t travel multiple times per year - Are a budget traveler / road tripper - Don’t care about VIP treatment - Don’t normally spend at the merchants that provide credits each year - Want a card for everyday spend - Prefer cash back over travel rewards - Don’t like high-annual-fee cards Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amexplatinum #americanexpress 2021-10-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343389/watch-me-apply-pre-approved-amex-business-card-amex-business-gold-card-application-2021 https://gamma.videonest.org/343389_thumbnail_resized_v2.webp https://gamma.videonest.org/343389_video_v3.mp4 *WATCH ME APPLY* Pre-Approved Amex Business Card (Amex Business Gold Card Application 2021) I received an Amex pre-approval for the Business Gold Card even though I currently have one open! Watch me apply for a second time to see what happens! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull THE CARD American Express Business Gold Card THE OFFER Earn 90,000 Membership Rewards points after spending $10,000 in purchases in the first 3 months of card membership. I value this at $990 cash since I’d redeem via my Schwab Platinum Card, which makes points worth 1.1¢ each. THE OFFER TYPE Pre-approved offer via direct mail THE REWARDS - 4X Membership Rewards points in the 2 select categories where you spend the most each month, valid on the first $150,000 in combined purchases. Eligible categories include: Airfare (purchased directly from airlines), Advertising (U.S. purchases in select media: online, TV, radio), Technology (U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions), U.S. Gas Stations, U.S. Restaurants, and with U.S. Shipping providers. - 1X on all other purchases. SEVERAL KEY BENEFITS - Trip delay insurance - 25% Airline Bonus - No Preset Spending Limit ANNUAL FEE $295 MY CREDIT FACTORS – BEFORE Credit Score - Experian: 789 (FICO Score 8) - TransUnion: 805 (VantageScore 3.0) - Equifax: 826 (VantageScore 3.0) Inquiries - Experian: 9 - TransUnion: 5 - Equifax: 0 New Accounts - Past 12 months: 2 - Past 24 months: 6 Average Age of Accounts 3 year 9 months Prior Relationship - Various personal + business Amex Cards | Member Since ‘13 - 1 Business Gold Card: Opened 9.18.2017 | Closed 10.19.2018 - 1 Business Gold Card: Opened 11.30.2020 | active (10 mo.) MY CREDIT FACTORS – AFTER - No changes to anything WHY I CHOSE THIS CARD 1. WELCOME BONUS - 90,000 Amex Membership Rewards points = $990 cash (when redeemed via Schwab Platinum Card at 1.10¢ per point). Subtracting the $295 annual fee, that leaves me with a $695 profit. 2. BUSINESS CARD 💳 - Does not appear on personal credit report - Does not affect my Chase 5/24 count 3. NO INQUIRY / HARD PULL 📄 - Preexisting card relationship with Amex = soft pull* *Not guaranteed, but very likely LIFETIME LANGUAGE There was no Amex Lifetime Language on the physical mailer or on the online application. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexbusinessgold #americanexpress #amexbusinesscard 2021-10-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343390/marriott-bonvoy-brilliant-retention-offer-2021 https://gamma.videonest.org/343390_thumbnail_resized_v2.webp https://gamma.videonest.org/343390_video_v3_converted.mp4 MARRIOTT BONVOY BRILLIANT RETENTION OFFER 2021! The $450 annual fee for my Marriott Bonvoy Brilliant card posted, so I contacted American Express to see what retention offers might be available to help me justify keeping it for another year! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SUMMARY OF WHAT HAPPENED… 1. THE CARD: Marriott Bonvoy Brilliant American Express Card - Date Opened: 8.23.2018 (3 years old) - Annual Fee: $450 2. THE SPEND - Jan - Dec 2020: $1,646.39 - Jan - Sep 2021: $1,351.05 - Total: $2,997.44 3. THE CHAT - Me - Reasons to cancel: Overlapping benefits with other cards - Rep - Reasons to keep: Marriott Bonvoy program flexibility during pandemic - Me – Rebuttal: “I’m sorry, but that doesn’t work for me. Those updates are all related to the Marriott Bonvoy program itself, not the card.” 4. THE OFFER - Points: 60,000 Marriott points (value = $420, avg.) - Spend Requirement: none - Previous Retention Offers: N/A The next year of card membership is looking good with this offer, the annual $300 Marriott Bonvoy credit, and the Marriott Free Night Award certificate valid for a night up to 50,000 points :D As always, if you have a credit card with an annual fee that you don’t think is giving you enough value, consider asking for a retention offer before cancelling or downgrading. You never know what kind of offer might be available! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #marriotbonvoy #travelcreditcards #americanexpress 2021-10-04T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343391/ihg-premier-credit-card-review-2021 https://gamma.videonest.org/343391_thumbnail_resized_v2.webp https://gamma.videonest.org/343391_video_v3_converted.mp4 IHG PREMIER CREDIT CARD REVIEW 2021! The IHG Rewards Club Premier Credit Card is a great hotel credit card to earn free nights at IHG hotels. Learn how it can supercharge your points earning potential for more travel & savings! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (Sep. 2021) Earn 150,000 IHG points after spending $3,000 in the first 3 months. The approximate value of this bonus is $750. ANNUAL FEE = $89 (However, it has a $0 introductory annual fee in Year 1 as part of the current welcome offer) EARN IHG POINTS - 10X IHG Hotels & Resorts - 2X Gas Stations - 2X Grocery Stores - 2X Restaurants - 1X Other Purchases REDEEM IHG POINTS Points are worth 0.5¢ each, on average, and are best redeemed for hotels & resorts within the IHG portfolio. IHG’s brands include: - Six Senses hotels - Regent hotels - InterContinental Hotels & Resorts - Kimpton Hotels & Resorts - voco hotels - Hualuxe - Crowne Plaza hotels - EVEN Hotels - Holiday Inn Express - Holiday Inn Club Vacations - Holiday Inn - avid hotels - Atwell suites - Staybridge Suites - Candlewood Suites - Mr & Mrs Smith (program collaboration, not IHG branded hotels) IHG PREMIER CARD BENEFITS - Anniversary Night: Receive 1 anniversary night certificate each cardmember anniversary year with a redemption value of up to 40,000 points. Expires 1 year after it’s issued. - 4th Reward Night Free: Get the 4th night free when you redeem points & stay 4+ consecutive nights. How it works: During booking, the first 3 reward nights will be charged in points, and the 4th night will cost 0 points. Example: If a room costs 40,000 points, you’ll only need to pay 120,000 points for a 4-night stay (instead of 160,000). - Platinum Elite Status: Receive automatic Platinum Elite Status in the IHG Rewards program, giving you access to benefits like: Extended Check-Out, Welcome Amenity, Complimentary Room Upgrades, 50% Bonus Points on Top of Base Points, and more. - Save 20% On Points Purchases: Get 20% off when you buy IHG points and pay with your IHG credit card. - Anniversary Bonus: Receive 10,000 bonus points each account anniversary year. In order to qualify, you must (a) spend $20,000 on your IHG card during your account year and (b) make 1 additional purchase at least 1 day after you completed the $20,000 spend. - Global Entry / TSA PreCheck Credit: Receive a statement credit as reimbursement for your application fee for Global Entry ($100) or TSA PreCheck ($85) every 4 years. - No Foreign Transaction Fees IHG ELITE BENEFITS CHART https://www.ihg.com/content/us/en/customer-care/member-tc/2nd-page INSURANCE & PROTECTIONS - Baggage Delay Insurance - Lost Luggage Reimbursement - Purchase Protection - Trip Cancellation / Trip Interruption Insurance SHOULD YOU GET IT? YES if you.. - Regularly stay at IHG hotels - Take trips that are 4+ nights with points - Value IHG elite status - Value the 40K free-night award - Buy IHG points when they’re on sale - Want to earn IHG points quickly via paid stays (10X base + 10X credit card + 5X Elite = 25X) NO if you… - Don’t stay at IHG hotels - Aren’t committed to earning IHG points long term (to use 4th Night Free benefit) - Value elite status w/ strong benefits - Want an everyday card - Are over Chase 5/24 Rule - Prefer cash back credit cards Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #travelcreditcards #ihgcreditcard #hotelcreditcard 2021-09-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343392/credit-card-rewards-what-are-points-and-miles-worth-credit-card-rewards-explained https://gamma.videonest.org/343392_thumbnail_resized_v2.webp https://gamma.videonest.org/343392_video_v3.mp4 CREDIT CARD REWARDS: What Are Points & Miles Worth? (Credit Card Rewards Explained) From hotel points, air miles, and bank points, it’s easy to get confused by it all. Learn how much your points are worth and if you got a good deal on your redemption so you can travel the world for FREE (or close to it)! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SETTING THE STAGE – PART 1 - All points are not equal. 1 Chase point ≠ 1 Amex point ≠ 1 Citi point 1 Marriott point ≠ 1 Hilton point ≠ 1 Hyatt point - All miles are not equal. 1 American mile ≠ 1 United mile ≠ 1 Delta mile SETTING THE STAGE – PART 2 BANK POINTS usually have FIXED VALUES for cash back + travel portal bookings. Examples include: - Chase Ultimate Rewards points - Amex Membership Rewards points - Citi ThankYou points - U.S. Bank Altitude points Examples of CASH BACK redemptions with bank points issued by 3 major banks: Amex Membership Rewards - 0.6¢ per point (All cards | Statement credit) Chase Ultimate Rewards - 1.0¢ per point (All cards | Statement credit or deposit to checking / savings account | Pay Yourself Back feature yields a greater value) Citi ThankYou points - 0.5¢ or 1.0¢ per point (Depends on the card you have | Statement credit) Examples of TRAVEL PORTAL redemptions with bank points issued by 3 major banks: Amex Membership Rewards - 0.7¢ per point (All cards | Hotels, car rentals, cruises, vacations) - 1.0¢ per point (All cards | Flights) Chase Ultimate Rewards - 1.0¢ per point (Chase Freedom Flex, Chase Freedom Unlimited) - 1.25¢ per point (Chase Sapphire Preferred card, Chase Ink Business Preferred card) - 1.50¢ per point (Chase Sapphire Reserve card) Citi ThankYou points - 1.0¢ per point (Citi ThankYou Preferred, Citi Rewards+, Citi Premier Card, Citi Prestige Card, Citi Custom Cash Card, Citi Double Cash Card) AIR MILES & HOTEL POINTS usually have VARIABLE VALUES at all times. Examples include: - American Airlines AAdvantage miles - Delta SkyMiles - Marriott Bonvoy points - World of Hyatt points WHY? 2 main reasons… - The number of miles or points required for a given redemption can change - The cash price covered by those points or miles can change HOW TO CALCULATE THE VALUE OF POINTS & MILES [(Cash Price) ÷ (Points or Miles Price)] x 100 = Value Per Point - Note 1: For Cash Price, include taxes + fees if the points or miles cover them, otherwise subtract them out. - Note 2: Value Per Points is expressed as ‘cents per point’ EXAMPLE 1: Hotel | IHG Points | Kimpton Seafire Resort + Spa - Cash Price = $1,597.89 - Points Price = 70,000 - Value = 2.3¢ per point - Rating = Good Redemption per TPG comparison (see below) EXAMPLE 2: Flight | Delta SkyMiles | JFK to FCO, Round Trip - Cash Price = ($3,812 - $70) = $3,742 - Miles Price = 435,000 - Value = 0.86¢ per mile - Rating = Bad Redemption per TPG comparison (see below) EXAMPLE 3: Gift Card | Amex Membership Rewards points | $50 Target gift card - Cash Price = $50 - Points Price = 7,143 - Value = 0.7¢ per point - Rating = Bad Redemption when compared to Travel, or Good Redemption when compared to Cash Back per TPG comparison (see below) WAS THE REDEMPTION A GOOD VALUE? - Compare YOUR VALUE vs. AVERAGE VALUE from The Points Guy (TPG) at thepointsguy.com - Direct Link: https://thepointsguy.com/guide/monthly-valuations - NOTE: TPG’s average values are best used for comparing air miles, hotel points, and bank points when redeemed via transfer partners. SUMMARY 1. Do a cent-per-point calculation 2. Compare the result to TPG’s average value 3. Determine if it’s a good, average, or bad redemption IF the redemption is average to good THEN consider doing it! IF the redemption is average to bad THEN consider paying cash to save your points / miles for a future redemption where you get greater value & save more money FINAL NOTE Even if it’s a “bad” redemption, it can still be worth doing, especially if you don’t want to spend cash or don’t have the cash available. This entire exercise is to help you understand the value of your points & miles and to make an informed decision as to whether you want to use them now vs. later. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcardrewardpoints #chaseultimaterewards #amexmembershiprewards 2021-09-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343393/southwest-rapid-rewards-priority-credit-card-review https://gamma.videonest.org/343393_thumbnail_resized_v2.webp https://gamma.videonest.org/343393_video_v3.mp4 Southwest Rapid Rewards PRIORITY Credit Card Review! The Southwest Rapid Rewards PRIORITY Credit Card hits the sweet spot of benefits vs. annual fee. Learn why this is my FAVORITE Southwest credit card as a frequent domestic traveler! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (September 2021) Earn 40,000 Southwest Rapid Rewards points after spending $1K in the first 3 months of opening your card. PLUS, earn 3X points on dining at restaurants (including takeout & eligible delivery services) in the first year. The approximate value of the 40K points = $600 towards Southwest flights. ANNUAL FEE = $149 EARN SOUTHWEST RAPID REWARDS POINTS - 2X Southwest purchases* - 1X Other purchases **Includes purchases made on Rapid Rewards hotels and car rental partners. REDEEM SOUTHWEST RAPID REWARDS POINTS - Flights = 1.5¢ per point (avg.) - Other redemption options include cruises, hotel stays, car rentals, and gift cards (usually at a worse value). PERKS & BENEFITS - 7,500 Anniversary Points: Automatically deposited into your Southwest Rapid Rewards account each cardmember anniversary year. - $75 Southwest Annual Travel Credit: Automatic statement credit when you make Southwest purchases on your card, up to $75 in credits per cardmember anniversary year. EXCLUDES: Upgraded Boardings and inflight purchases. - 4 Upgraded Boardings: Get reimbursed for up to 4 Upgraded Boardings charged to your card each cardmember anniversary year. Upgraded Boardings may be purchased at the departure gate or ticket counter only on the day of travel, when available, and provide an A1 – A15 boarding position. Price of Upgraded Boardings is based on your itinerary. - Elite Status Boost: Earn 1,500 tier qualifying points (TQPs) for every $10,000 in purchases, up to $100,000 in purchases annually (i.e., max earnings of 15,000 TQPs). "Annually means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date.” - 20% Discount: Receive 20% off inflight purchases, including Wi-Fi and drinks. - DoorDash: Free DashPass membership for 12 months. Activate by 12/31/2021. - No Foreign Transaction Fees INSURANCE & PROTECTIONS - Lost Luggage Reimbursement: If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger. - Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days. - Extended Warranty Protection: Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less. - Purchase Protection: Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account. SHOULD YOU GET IT? YES if you… - Fly Southwest every year - Will use the $75 credit every year - Want to “buy” 7,500 points annually at a discount - Normally buy Upgraded Boardings (or at least Early Bird) every year - Want to qualify for A-List or A-List Preferred elite status faster via spend NO if you… - Don’t fly Southwest every year - Wouldn’t use the Southwest-specific benefits - Prefer flexible / transferrable travel rewards - Prefer cash back rewards - Are over Chase 5/24 Rule - Can’t make sense of the $149 annual fee - Want to earn Southwest points quickly Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #travelcreditcards #southwestrapidrewards #airlinecreditcards 2021-09-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343394/is-the-amex-platinum-card-easy-to-get-5-reasons-why-its-easy-to-get-approved https://gamma.videonest.org/343394_thumbnail_resized_v2.webp https://gamma.videonest.org/343394_video_v3_converted.mp4 Is The Amex Platinum Card EASY To Get? (5 Reasons Why It’s EASY To Get Approved!) If you thought the Amex Platinum Card was hard to get, think again, it might be a lot easier than you imagined. Here are the Top 5 Reasons why the Amex Platinum is quite attainable even if you don’t have a top credit score or high income. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Here are my top 5 reasons why the American Express Platinum Card is actually easier to get than you may think: 1. Marketing & Appearance It’s marketed as a luxury / lifestyle credit card with a sleek design & metal construction, but that doesn’t mean it’s only for affluent people. It’s also not an ‘invitation only’ card (as is the case for the Amex Centurion Card / Amex Black Card). 2. It’s a Charge Card Unlike a traditional credit card, Amex charge cards don’t have a preset spending limit. This seems to result in easier underwriting standards and therefore easier approvals compared to other premium ‘credit cards.’ 3. It’s More Like a Coupon Book Than an Elite Membership The Amex Platinum Card has credits to keep track of monthly, quarterly, semi-annually, and annually. Here are the major ones: - $300 Equinox credit - $200 Hotel credit - $240 Digital Entertainment credit - $179 CLEAR credit - $200 Airline Fee credit - $200 Uber Cash credit - $100 Saks credit - $100 Global Entry / TSA Precheck credit - Note that each of these have terms & conditions and they’re issued at different intervals throughout the year. 4. You Don’t Need to Work Your Way Up to It Even though Amex doesn’t have any true beginner credit cards (like secured credit cards, student credit cards, or credit building or rebuilding cards), some people think that you need to start with the credit cards with no annual fee and gradually work your way up. For example, you could start with the Amex EveryDay Card or Amex Blue Cash Everyday Card. From there you could then get the Amex EveryDay Preferred Card or the Amex Blue Cash Preferred Card. Then you could go get the Amex Green Card, followed by the Amex Gold, and finally the Amex Platinum. However, none of that is necessary. As long as you have a decent score, decent history, and decent income compared to your expenses, then your chances of getting an approval for an American Express card will likely be quite good. In fact, the Amex Platinum Card could be your first Amex card…ever :D 5. You Don’t Need An 800 Score. You Don’t Need to Make $100K+ per year. People have gotten approved with a 670 score / $40K income. Your debt-to-income ratio is likely more important with American Express (that is, how much debt you have reported on your credit report vs. how much you make per year). High balances on credit cards and large outstanding loans or other debts will likely work against your chances of approval. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexplatinum #americanexpress #creditcards 2021-09-21T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343395/how-to-use-chase-pay-yourself-back-demo-redeem-chase-points-for-statement-credit https://gamma.videonest.org/343395_thumbnail_resized_v2.webp https://gamma.videonest.org/343395_video_v3.mp4 HOW TO USE CHASE PAY YOURSELF BACK + DEMO! (Redeem Chase Points for Statement Credit) The Chase Pay Yourself Back feature is a great way to redeem Ultimate Rewards points, sometimes as good as travel! Learn how to use the feature so you can put more money in your pocket! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull BACKGROUND Chase credit cards earn Ultimate Rewards points (exceptions include the cobranded cards with airlines, hotels, etc.). These Ultimate Rewards points can be redeemed for a lot of things, including travel, cash back, gift cards, and more. If you want “cash back,” you actually have 2 options to consider. The 1st is regular cash back. The 2nd is using a feature called Pay Yourself Back. Let’s compare both of them… CASH BACK This is when you redeem your Chase points for cash via statement credit or deposit to a checking or savings account. You can then use your cash back for whatever you like. With this method, 1 point = 1¢ ($0.01), so 10,000 points = $100. PAY YOURSELF BACK This is when you redeem your Chase points for cash via statement credit (no deposit to a bank account) and ONLY in select categories that are available at the time – and they can change over time, too. With this method, 1 point = 1.10¢, 1.25¢, or 1.50¢ each depending on the card you have. - Chase Freedom Flex = 1.10¢ or 1.25¢ per point in very limited categories - Freedom Unlimited = 1.10¢ or 1.25¢ per point in very limited categories - Chase Sapphire Preferred = 1.25¢ per point - Chase Ink Business Preferred = 1.25¢ per point - Chase Sapphire Reserve = 1.50¢ per point HOW TO USE PAY YOURSELF BACK 1. Log into your Chase account 2. Click on a Chase credit card that earns Ultimate Rewards points 3. Click on ‘Redeem’ next to your points balance to go to the Ultimate Rewards portal 4. Once you’re in the rewards portal, go to the Main Menu 5. Select Pay Yourself Back 6. Select the eligible categories you want to cover with points 7. Follow the prompts You’ll receive a statement credit to reduce / cover the cost of your selected purchases within 3 business days, and it will appear on your monthly Chase credit card billing statement within 1-2 billing cycles. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasecreditcards #chaseultimaterewards #chasesapphire 2021-09-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343396/chase-sapphire-preferred-review-2022-2023 https://gamma.videonest.org/343396_thumbnail_resized_v2.webp https://gamma.videonest.org/343396_video_v3_converted.mp4 CHASE SAPPHIRE PREFERRED REVIEW! (2022-2023) The Chase Sapphire Preferred got new rewards categories, new benefits, and a new design in 2021! Learn about all the updates to see what makes this one of the best travel credit cards available right now! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO: Chase Sapphire Preferred Unboxing 2021 https://youtu.be/-MA-EbU1E7E WELCOME BONUS (September 2021) Earn 100,000 Chase Ultimate Rewards points after spending $4,000 in the first 3 months. The value of this bonus = $1,000 to $1,250+ based on how you redeem your points. ANNUAL FEE = $95 EARN CHASE POINTS - 5X Travel via Chase UR portal | Must book via Ultimate Rewards portal | Excludes hotel purchases that qualify for the $50 Anniversary Hotel Credit - 3X Dining: Incl. takeout & eligible delivery services - 3X Online Grocery: Excl. Target, Walmart, Wholesale Clubs - 3X Select Streaming - 2X Other Travel (non portal) - 1X Other Purchases WHAT COUNTS AS TRAVEL FOR CHASE SAPPHIRE PREFERRED? See the link below for what counts across ALL rewards categories: https://www.chase.com/personal/credit-cards/rewards-category-faq REDEEM CHASE POINTS - Travel (Transfer Partners): 2.0¢ per point, avg. - Travel (Chase Portal): 1.25¢ per point, flat rate - Pay Yourself Back (Statement Credit, select categories): 1.25¢ per point, flat rate - Cash Back (Statement Credit or Deposit): 1.0¢ per point, flat rate CHASE TRANSFER PARTNERS (Sep. 2021) Aer Lingus, AerClub Air Canada Aeroplan British Airways Executive Club Emirates Skywards Flying Blue Air France KLM Iberia Plus JetBlue TrueBlue Singapore Airlines KrisFlyer Southwest Airlines Rapid Rewards United MileagePlus Virgin Atlantic Flying Club IHG Rewards Club Marriott Bonvoy World of Hyatt CHASE SAPPHIRE PREFERRED BENEFITS - $50 Anniversary Hotel Credit: Automatic statement credit for hotels booked via Ultimate Rewards portal, up to $50 credit. Renews every account anniversary year. Does not earn points. - 10% Anniversary Points Bonus: Every account anniversary you'll earn bonus points equal to 10% of your total purchases made in the prior year. Example: if you spent $15,000 on purchases, you’ll earn 1,500 bonus points. - Visa Signature Luxury Hotel Collection: VIP perks at upscale hotels. - DoorDash: Free DashPass membership for 12+ months. Activate by 12/31/2021. - Lyft: Earn 5X points on qualifying Lyft purchases thru 3/31/2022. - Peloton: (1) Earn up to $60 in statement credits on Peloton Digital or All-Access Memberships thru 12/31/2021. (2) Earn 5X points on Peloton Equipment and accessory purchases thru 3/30/2022. - No Foreign Transaction Fees INSURANCE & PROTECTIONS - Trip Cancellation / Interruption Insurance - Auto Rental Collision Damage Waiver - Baggage Delay Insurance - Trip Delay Reimbursement - Travel & Emergency Assistance Services - Purchase Protection - Extended Warranty Protection SHOULD YOU GET IT? YES if you… - Book travel via Chase UR portal - Spend on dining & online groceries - Redeem for travel and/or eligible Pay Yourself Back categories - Value transfer partners - Have other Chase cards that earn Ultimate Rewards points NO if you… - Don’t travel much / at all - Don’t spend on dining & online groceries - Prefer cash back with no annual fee - Want 1 card for everything - Are over Chase 5/24 Rule FUN TO KNOW Q: Is this a metal credit card? A: Yes, the Chase Sapphire Preferred is a metal credit card :D Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #travelcreditcards #chasecreditcards #chasesapphire 2021-09-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343397/chase-trifecta-explained-chase-credit-card-strategy https://gamma.videonest.org/343397_thumbnail_resized_v2.webp https://gamma.videonest.org/343397_video_v3.mp4 Chase Trifecta EXPLAINED! (Chase Credit Card Strategy) The Chase Trifecta is one of the most powerful credit card strategies for travel and cash back alike. Learn what it is and how to use it to your advantage to earn a TON of credit card rewards FAST! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WHAT IS THE CHASE TRIFECTA? (CHASE TRIFECTA EXPLAINED) The Chase Trifecta is… - Any combination of 3 Chase credit cards - All earning Ultimate Rewards (UR) points - Used together to maximize rewards CHASE TRIFECTA EXAMPLES 1. Personal Credit Cards (example 1) - Chase Freedom Flex - Chase Freedom Unlimited - Chase Sapphire Preferred 2. Personal Credit Cards (example 2) - Chase Freedom Flex - Chase Freedom Unlimited - Chase Sapphire Reserve 3. Business Credit Cards - Chase Ink Business Cash - Chase Ink Business Unlimited - Chase Ink Business Preferred 4. Personal + Business Credit Cards (mixed) - Chase Freedom Unlimited - Chase Ink Business Cash - Chase Sapphire Preferred WHY USE THE CHASE TRIFECTA SETUP? - To maximize rewards by using the right card, at the right time, for the right purchase HOW IT WORKS - Notice how some Chase cards have overlapping rewards categories, but other categories are NOT shared. - It’s those unique categories that allow you to earn extra points (i.e. more than 1X) in select categories that 1 card alone wouldn’t cover. - For example, if you spend a lot at drugstores but only have the Chase Sapphire Preferred, you’d be earning 1X points on all your drugstore purchases. But if you add one of the Chase Freedom cards, you’d earn 3X on those same purchases. - Using multiple cards to cover multiple spend categories allows you to earn rewards a lot faster! - PLUS, you can pool / combine points across all your cards into 1 balance! VALUE OF POOLING / COMBINING POINTS - Chase’s premium cards (with annual fees) make points earned across ALL CARDS worth MORE for certain redemptions! - Chase Sapphire Preferred ($95 annual fee): Get 25% more value | 1 point = 1.25¢ - Chase Sapphire Reserve ($550 annual fee): Get 50% more value | 1 point = 1.50¢ - Chase Ink Business Preferred ($95 annual fee): Get 25% more value | 1 point = 1.25¢ HOW TO GET MORE VALUE a. Get a premium Chase card (i.e. one with a $95 annual fee or higher) b. Redeem points for Travel or via Pay Yourself Back feature (i.e. cash back via statement credit in select categories) This means the value of 10,000 Chase Ultimate Rewards would be: $100 for regular cash back $125 - $150 for travel via Ultimate Rewards portal $125 - $150 via Pay Yourself Back categories HOW TO REDEEM CHASE ULTIMATE REWARDS POINTS FOR BIGGER VALUE 1. Log into your Chase account 2. Click on your points balance to go to the Ultimate Rewards portal 3. Go to the Main Menu and select Travel or Pay Yourself Back 4. Points automatically worth 25% or 50% more when you redeem via these methods with a card that has a $95 annual fee or greater. HOW TO COMBINE CHASE FREEDOM AND SAPPHIRE POINTS (& INK BUSINESS POINTS) 1. Log into your Chase account 2. Click on your points balance to go to the Ultimate Rewards portal 3. Go to the Main Menu and select Combine Points (likely at the bottom) 4. Go through the prompts to transfer points from 1 card to another (remember to transfer TO a card that gives the 25% - 50% boost in value) WHICH CHASE TRIFECTA SHOULD YOU GET? - The one that rewards YOU best in the categories YOU spend most. - Pro Tip: It’s usually best to include a card that earns 1.5X or better on all purchases to ensure you can always earn more than 1 point per dollar spent. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasecreditcards #chasesapphire #chasetrifecta 2021-09-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343398/wow-capital-one-travel-portal-or-best-way-to-book-flights https://gamma.videonest.org/343398_thumbnail_resized_v2.webp https://gamma.videonest.org/343398_video_v3_converted.mp4 *WOW!* CAPITAL ONE TRAVEL PORTAL | Best Way to Book Flights? A lot of the major banks have their own travel portals, including Chase, U.S. Bank, Wells Fargo, and others. However, Capital One is launching their own called Capital One Travel, and it’s got some INCREDIBLE features! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🔗LINK 1 (CNBC Article) https://www.cnbc.com/select/capital-one-debuts-new-travel-portal/ 🔗LINK 2 (The Points Guy blog post) https://thepointsguy.com/guide/new-capital-one-travel-portal/ 🔗LINK 3 (TechCrunch Article, $170M Hopper Funding): https://techcrunch.com/2021/03/24/hopper-raises-170m-and-partners-with-capital-one-on-a-new-cardholder-travel-booking-portal/ Earlier in 2021, Hopper announced it raised $170 million in a Series F round, led by Capital One. Hopper is a technology platform that allows people to input a flight itinerary and then be notified when the price is best to book. Now with the Hopper partnership well underway, the new Capital One Travel portal is launching soon, and it’s going to have some great features when it becomes available. The first will include: 1. Price Prediction: Based on historical data, you’ll be able to see when certain flights are at their peak or low price points so you can book at a favorable rate. 2. Price Drop Protection: Let’s say you book a flight and then that same flight is found at a lower price later on. Capital One will give you a refund for the difference. 3. Price Match Guarantee: If you discover a better price for a given flight, hotel, or rental car on a different site within 24 hours of booking, Capital One will refund you the difference. THEN MORE FEATURES TO BE ADDED INCLUDE… 4. Cancel for Any Reason Insurance: You’ll be able to cancel a flight for any reason 24 hours prior to departure and get 80% of your ticket cost back. This will be available for a small fee. 5. Price Freeze: Not ready to book but found a great price? Freeze the price and book later. Capital One will cover the difference if the flight price increased when you decide to book. And if the price dropped, Capital One will allow you to book the lower fare. This will be available for a small fee. ALSO… Per a blog post by The Points Guy (link below): https://thepointsguy.com/guide/new-capital-one-travel-portal/ - Capital One is hiring more call center staff to provide faster customer service response times. This will be GREAT if you call in to change your itinerary or cancel it altogether. - As a reminder, you’ll earn 5X Capital One Miles per dollar spent when booking hotels & rental cars via the Capital One Travel portal. The eligible cards include: Capital One Venture Rewards Credit Card, Capital One Venture One Rewards Credit Card, Capital One Spark Miles for Business, Capital One Spark Miles Select for Business, and Capital One Walmart Rewards Card. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitaloneventure #capitalonetravelportal #besttravelportals 2021-09-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343399/marriott-bonvoy-brilliant-vs-ritz-carlton-credit-card-comparison-2021 https://gamma.videonest.org/343399_thumbnail_resized_v2.webp https://gamma.videonest.org/343399_video_v3_converted.mp4 MARRIOTT BONVOY BRILLIANT vs. RITZ CARLTON Credit Card Comparison (2021) The Marriott Bonvoy Brilliant & Ritz Carlton credit cards are VERY similar, BUT they have some super unique benefits. Learn which one is a better fit for you as we compare them side by side! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO 1: I Got The Ritz Carlton Credit Card (Step-by-Step Product Change) https://youtu.be/OF2fLoZh7pE 🎬 VIDEO 2: Ritz-Carlton Credit Card In-Depth Review https://youtu.be/p5CE2X7Lhjs 🎬 VIDEO 3: Marriott Bonvoy Brilliant In-Depth Review ($450 annual fee) https://youtu.be/cv0s5iwhuWk CREDIT CARD #1: MARRIOTT BONVOY BRILLIANT AMERICAN EXPRESS CARD Welcome Bonus (Sep. 2021) Earn 75,000 Marriott Bonvoy points after spending $3,000 in the first 3 months of card membership. PLUS, earn up to $200 in statement credits for purchases at U.S. restaurants during the first 6 months. The approximate value of the 75K points is $525 on average. Annual Fee = $450 Earn Points - 6X Marriott Hotels - 3X Dining at U.S. Restaurants: Incl. takeout & delivery - 3X Flights: Must book directly with airlines - 2X Other Purchases Redeem Points - Hotels: 0.7¢ per point on average. Benefits (Short Version) - $300 Marriott Bonvoy Statement Credit: Valid at participating Marriott properties | Renews every card anniversary year - Free Night Award: 1 free night every year, value = up to 50K points - Gold Elite Status: Room upgrades, 2 PM late checkout, more… - Platinum Elite Status: Spend $75K on your Card in a calendar year - 15 Elite Night Credits: Earn towards next elite status level - $100 Marriott Bonvoy Property Credit: Available at Ritz-Carlton & St. Regis properties - Priority Pass Select: Up to 2 guests | Excludes restaurants - Fee Credit for Global Entry or TSA PreCheck: Cover application cost - No Foreign Transaction Fees: Avoid the 2% - 3% fee abroad - Premium Internet Access: Free in-room, premium Internet access - Authorized Users: No fee | Do not receive their own Priority Pass membership CREDIT CARD #2: RITZ-CARLTON CREDIT CARD Welcome Bonus (Sep. 2021) - N/A: Card discontinued to new applicants. - Can obtain via product change from Marriott Bonvoy Bold or Marriott Bonvoy Boundless. Annual Fee = $450 Earn Points - 6X Marriott Hotels - 3X Dining - 3X Car Rentals - 3X Airline Purchases - 2X Other Purchases Redeem Points - Hotels: 0.7¢ per point on average. Benefits (Short Version) - $300 Annual Travel Credit: Covers qualifying airline incidental purchases | Renews every calendar year - Free Night Award: 1 free night every year, value = up to 50K points - Gold Elite Status: Room upgrades, 2 PM late checkout, more… - Platinum Elite Status: Spend $75K on your Card in an account anniversary year - 15 Elite Night Credits: Earn towards next elite status level - $100 Hotel Credit: Available at Ritz-Carlton & St. Regis properties - Priority Pass Select: Unlimited guests | Includes restaurants - Fee Credit for Global Entry or TSA PreCheck: Cover application cost - No Foreign Transaction Fees: Avoid 2% - 3% fee abroad - Premium Internet Access: Free in-room, premium Internet access - 3 Annual Club-Level Upgrade E-Certificates: Each valid for up to 7 nights - Authorized users: No fee | Receive their own Priority Pass membership with same guesting privileges as primary account WHICH IS BEST? - Bonvoy Brilliant = Best for new welcome bonus | Spending within the U.S. - Ritz Carlton = Best for Priority Pass membership | Ritz Club-Level upgrades | Spending outside the U.S. WHICH TO GET? - See end of video :D Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #travelcreditcards #marriottbonvoy #ritzcarlton 2021-09-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343400/how-many-amex-cards-can-you-have https://gamma.videonest.org/343400_thumbnail_resized_v2.webp https://gamma.videonest.org/343400_video_v3_converted.mp4 HOW MANY AMEX CARDS CAN YOU HAVE? Ever wondered how many credit cards you can apply for with American Express? I did an intense investigation to find out, and this video contains what I discovered! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull American Express issues some of the best credit cards for cash back (like the Amex Blue Cash Everyday Card, Amex Blue Cash Preferred Card and Amex Cash Magnet Card) and travel rewards (like the Amex Platinum Card, Amex Gold Card and Amex Green Card – plus other airline and hotel credit cards), so it’s no surprise that many of us want to get more than one credit card from them :D. And that begs the question… How many American Express credit cards can you get? I spoke with 9 different Amex customer services representatives to see what I could find out. HERE ARE THE FINDINGS! QUESTION: How many Amex cards can you get? - ANSWER 1 (Online Chat): No limit - ANSWER 2 (Online Chat): 4 personal cards, including charge cards. Does not include business cards. - ANSWER 3 (Online Chat): No limit - ANSWER 4 (Online Chat): No limit - ANSWER 5 (Online Chat): No limit - ANSWER 6 (Mobile Chat): 99 cards - ANSWER 7 (Online Chat): 4 lending cards - ANSWER 8 (Phone): 2 cards in 90 days, 4 lending cards, 10 charge cards - ANSWER 9 (Phone): 5 lending cards (includes personal & business combined), 10 charge cards (includes personal & business combined) MOST PROBABLE ANSWER… Although the answers varied widely, the most common real-world answer based on data points has been… - Personal Cards: 4 – 5 (Varies by person / account, personal & business cards combined) - Charge Cards: 10 (Personal & business cards combined) This has also been my persounal experience in the past. I had hit the 4-5 card limit, so when I applied for another Amex card, I received an instant denial. I then called the Amex Reconsideration Line and learned the reason was for having too many accounts open. So, I closed one credit card account to have the application pushed through to an approval. Let me know what your experience has been in the comments! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #amex 2021-09-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343401/rumor-dollar650-annual-fee-marriott-bonvoy-brilliant-amex-update-part-2 https://gamma.videonest.org/343401_thumbnail_resized_v2.webp https://gamma.videonest.org/343401_video_v3.mp4 *RUMOR!* $650 ANNUAL FEE?! (Marriott Bonvoy Brilliant Amex Update, PART 2) The Marriott Bonvoy Brilliant card MIGHT be getting a refresh in the near future (and a $650 annual fee)! Take a look at a survey that Amex & Marriott sent out to select cardholders with potential new benefits. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🔗LINK TO ARTICLE: https://thepointsguy.com/news/are-new-benefits-and-fee-hike-coming-marriott-bonvoy-brilliant-amex/ 🎬VIDEO – Rumor Round 1 (Previous Amex/Marriott survey from Dec. 2020): https://youtu.be/nbIDKcXpnvE 🎬VIDEO – Marriott Bonvoy Brilliant Review ($450 annual fee): https://youtu.be/cv0s5iwhuWk Around December 2020, Amex & Marriott sent out consumer surveys to gauge the interest level in a possible Marriott Bonvoy Brilliant card refresh. It compared 2 versions of the card, one with a $650 annual fee and another with a $750 annual fee, both with a lot of different benefit combinations. It also asked about a potential $250 mid-tier Marriott card. Now about 8 months later, Amex & Marriott are at it again with ROUND 2! The Points Guy recently published a blog post titled, “Are new benefits – but a big fee hike – coming to the Marriott Bonvoy Brilliant Amex?” (Direct link above) It shows a screenshot from a new survey that inquired about the Bonvoy Brilliant Card with a $650 annual fee, plus different benefits from the original December survey. Here’s a breakdown… The CURRENT Marriott Bonvoy Brilliant card has the following benefits: - Marriott Gold Elite Status, plus earn Platinum Elite Status with $75K spend - Free Night Award up to a 50,000-point value - 15 Elite Night Credits - $100 Luxury Credit, valid at Ritz-Carlton & St. Regis properties - $300 Annual Marriott Statement Credit - Priority Pass Membership - Global Entry / TSA PreCheck credit The RUMORED / NEW Marriott Bonvoy Brilliant card could have (based on survey questions): - Marriott Platinum Elite Status, plus earn Titanium Elite Status with $75K spend - 1 Free Night Award up to an 85,000-point value - 2nd Free Night Award up to an 85,000-point value after $50K spend - 25 Elite Night Credits - $100 Luxury Credit, valid at Ritz-Carlton, St. Regis, +1 more brand - Annual Card Choice Award after $50K spend. Choose from: 50,000 Marriott points, 40% discount on bedding, gift set, Gift Gold status to a friend, or 15% off the Ritz-Carlton Yacht Collection - $300 statement credit on dining (issued as $25/mo.) - Priority Pass membership - Global Entry / TSA PreCheck credit As an alternative to automatic Platinum Elite Status, there could be a “+1 Status” feature that boosts your status up 1 level from the level you achieved (e.g. if you earned Gold, you’d get bumped to Platinum). Interestingly, for those who spend $50K on the card, they could end up with… - At least 100K points via base spend ($50K * 2X points) - Another 50K points via Card Choice Award - 2 Free Night Awards worth up to 85K points each That’s a total value of up to 320,000 points! (Approximate average value = $2,240!) What do you think? :D Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #marriottbonvoy #americanexpress 2021-08-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343402/new-chase-sapphire-preferred-unboxing-2021-new-design https://gamma.videonest.org/343402_thumbnail_resized_v2.webp https://gamma.videonest.org/343402_video_v3.mp4 *NEW!* CHASE SAPPHIRE PREFERRED UNBOXING 2021! (New Design) The ALL-NEW Chase Sapphire Preferred design is here! I just received it in the mail, which means YOU get a front-row seat to the unboxing, drop test, and weight comparisons! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull The Chase Sapphire Preferred was originally launched in 2009, and while it has undergone some minor facelifts over the past decade, it has generally kept the same appearance overall. But as of August 16, 2021, that has CHANGED! The card sports an all-new look with some refreshed benefits, too! I’ll be doing a full Chase Sapphire Preferred review as a separate video, but in the meantime, here are the new benefits that were added: 1. Updated Rewards Structure - 5X Travel booked via the Chase Ultimate Rewards travel portal - 3X Dining - 3X Select Streaming Services - 3X Online Groceries (excluding Target, Walmart, and Wholesale Clubs) - 2X Travel (booked outside of the Chase Ultimate Rewards travel portal) - 1X Everything Else 2. $50 Hotel Credit: Receive a $50 annual hotel credit to be used towards hotel reservations booked via the Chase Ultimate Rewards portal. The statement credit is automatically applied to your account without having to activate or enroll, and it will not earn points. 3. 10% Cardmember Anniversary Bonus: You’ll receive 10% of your points back each year based on how much you spent on the card. For example, if you spent $25,000 on the CSP throughout the year, then you’d earn 2,500 Ultimate Rewards points as your bonus. Q&A Q: Is the new Chase Sapphire Preferred a metal credit card? A: Yes, it’s still a metal card. Q: How much does the Chase Sapphire Preferred weight? A: It weighs 13 grams, which is the same as the old design and the Chase Sapphire Reserve. Q: Did the Chase Sapphire Preferred’s annual fee change? A: No, the annual fee is still the same at $95. Q: Can I get a signup bonus if I do a product change or request a replacement? A: No. The Chase Sapphire Preferred signup bonus is only issued to new applicants (i.e. people who apply & get approved for a new account). Neither product changes from another Chase card (like the Chase Freedom Unlimited or Chase Freedom Flex) nor replacing an existing CSP card are eligible for a welcome bonus. Q: Were any of the existing Chase Sapphire Preferred benefits eliminated or changed? A: Nope! The revamped card kept the original benefits and added a few new ones, mentioned above. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #chasesapphirepreferred #travelcreditcards 2021-08-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343403/marriott-bonvoy-brilliant-credit-card-review https://gamma.videonest.org/343403_thumbnail_resized_v2.webp https://gamma.videonest.org/343403_video_v3_converted.mp4 MARRIOTT BONVOY BRILLIANT CREDIT CARD REVIEW! The Marriott Bonvoy Brilliant credit card is the top-tier, premium offering from Amex and Marriott. With its $450 annual fee, is it the right fit for you? You’re about to find out! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull NOTE: Terms apply to Amex benefits and offers. Visit americanexpress.com to learn more. WELCOME BONUS (Aug. 2021) Earn 75,000 Marriott Bonvoy points after spending $3,000 in the first 3 months of card membership. PLUS, earn up to $200 in statement credits for purchases at U.S. restaurants during the first 6 months. The approximate value of the 75K points is $525 on average. ANNUAL FEE = $450 EARN MARRIOTT BONVOY POINTS - 6X Marriott Hotels - 3X Dining at U.S. Restaurants: Incl. takeout & delivery - 3X Flights: Must book directly with airlines - 2X Other Purchases REDEEM MARRIOTT BONVOY POINTS - Hotels: 0.7¢ per point on average. Could be more / less depending on the property, season, demand, etc. To calculate, divide the all-in cash rate (minus resort fees) by the number of points needed to get your ‘cent per point’ value. MARRIOTT AWARD CHART / MARRIOTT REDEMPTION CHART See this link: https://www.marriott.com/loyalty/pointsGridPopUp.mi MARRIOTT BONVOY BRILLIANT BENEFITS - $300 Marriott Bonvoy Statement Credit: Enjoy up to $300 in statement credits for purchases made at participating Marriott properties. Includes the room rate & items charged to the room. Renews every cardmember year - Free Night Award: Receive 1 free night certificate every year. Value = up to 50,000 points. Renews every cardmember year. Covers most fees & taxes (exception: resort fees) - Gold Elite Status: Benefits include… Earn 25% more base points, Enhanced Room Upgrade, 2PM Late Checkout, Welcome gift (250 – 500 points), Complimentary Enhanced In-Room Wifi, more! - Platinum Elite Status: Spend $75K on your Card in a calendar year - 15 Elite Night Credits: Receive 15 elite night credits towards the next level of elite status - $100 Marriott Bonvoy Property Credit: Available at Ritz-Carlton & St. Regis properties. 2-night minimum stay required. Must book the rate called: “$100 Property Credit, Luxury Credit Card Rate.” Applied as a credit on your hotel bill upon checkout (i.e. not your Amex statement). Exclusions: property fees, taxes, gratuities, cost of the room. A great use for this is food & beverage, spa services, and other onsite activities charged to the room. - Priority Pass Select: Access over 1,200 airport lounges - Fee Credit for Global Entry or TSA PreCheck: Receive a statement credit to cover the application fee for either program. $100 for GE, Up to $85 for TSA PreCheck. Renews every 4.5 years - No Foreign Transaction Fees - Premium Internet Access: Free in-room, premium Internet access INSURANCE & PROTECTIONS - Car Rental Loss & Damage Insurance: Secondary coverage | Does not include liability coverage - Premium Global Assist Hotline - Baggage Insurance Plan - Trip Cancellation and Interruption Insurance - Trip Delay Insurance - Return Protection - Extended Warranty - Purchase Protection SHOULD YOU GET IT? YES if you… - Stay at Marriott properties every year - Spend $300+ with Marriott every year - Will use the 50K Free Night Award every year - Value Gold Elite Status + 15 Elite Night Credits NO if you… - Don’t stay at or spend with Marriott every year - Want an everyday / at-home credit card - Prefer cash back rewards - Don’t like cards with high annual fees GOOD TO KNOW A downgrade path is available from the Marriott Bonvoy Brilliant American Express Card ($450) to the Marriott Bonvoy American Express Card ($95), which is not available via new applications. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #travelcreditcards #marriottbonvoy #bonvoybrilliant 2021-08-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343404/ritz-carlton-credit-card-unboxing https://gamma.videonest.org/343404_thumbnail_resized_v2.webp https://gamma.videonest.org/343404_video_v3.mp4 RITZ CARLTON CREDIT CARD UNBOXING! The Ritz Carlton Credit Card arrived via UPS Next Day Air delivery with some fancy packaging! Check it out, plus some metal credit card drop tests, weight tests, and comparisons for fun :D Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO: I Got The Ritz Carlton Credit Card (Step-by-Step Product Change) https://youtu.be/OF2fLoZh7pE Although the Ritz Carlton Credit Card was discontinued back in July 2018, you can still get it via product change from the 2 Marriott credit cards issued by Chase (those are the Marriott Bonvoy Bold credit card and the Marriott Bonvoy Boundless credit card). If you’d like to get the Ritz card too, see the link directly above for the video containing the steps. I originally got the Ritz card when it was available via new applications in 2016 and had a $395 annual fee (now it’s at $450). I kept it for 1-2 years and then downgraded to the Bonvoy Boundless card ($95 annual fee) in 2018 because the larger fee on the Ritz didn’t make sense for me while I wasn’t traveling much. 3 years went by, and my travels picked up, so I was once again able to justify the larger Ritz fee and could make use of the benefits it offers. Some of the biggest reasons why getting the Ritz Carlton Credit Card over the Marriott Bonvoy Boundless card are: 1. Annual $300 airfare credit covering incidental charges, including: in-flight purchases, in-flight WiFi, seat upgrade fees, baggage fees, airport lounges day passes & memberships, and more. 2. The BEST Priority Pass membership available on any credit card, offering free unlimited guests and access to Priority Pass restaurants. 3. Free authorized users, who all get their own Priority Pass memberships. 4. Annual Marriott Free Night Award certificate worth up to 50,000 points (i.e. Category 6 property at standard award pricing). 5. Excellent insurance coverages, including: primary rental car insurance, delayed baggage insurance, and trip delay insurance. 6. Ritz Carlton Club Level Upgrades: Up to 3 per year, each one valid for up to 7 nights, on paid stays. I’ll be releasing an in-depth Ritz Carlton Credit Card review video to go over all the details and value this card offers, so be on the lookout for it! :D Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #ritzcarlton #travelcreditcards 2021-08-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343405/i-got-the-ritz-carlton-credit-card-step-by-step-product-change https://gamma.videonest.org/343405_thumbnail_resized_v2.webp https://gamma.videonest.org/343405_video_v3_converted.mp4 I Got The RITZ CARLTON CREDIT CARD! (Step-by-Step Product Change) The Ritz Carlton Credit Card was discontinued in July 2018, but you can still get it by upgrading from the Marriott Bonvoy Bold or Marriott Bonvoy Boundless credit cards. Watch me do it! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull HOW TO GET THE RITZ-CARLTON CREDIT CARD VIA PRODUCT CHANGE STEP 1: Get a Marriott credit card from Chase. - Marriott Bonvoy Bold - Marriott Bonvoy Boundless STEP 2: Keep the Marriott credit card open for 1 year. - Account must be open for 12 months prior to upgrading. STEP 3: Have a $10,000 credit limit on the Marriott card. - If you DO have other Chase cards, request a credit line reallocation (i.e. move credit from another card to your Marriott card) - If you DO NOT have other Chase cards, request a credit limit increase on your Marriott card (note: a hard pull may be required) STEP 4: Contact Chase. Call the # on the back of your card & request a product change / upgrade. CHASE PRODUCT CHANGE: PROS 1. No Inquiry: A hard pull on your credit report is not performed when changing from 1 Chase card to another. 2. No New Account Opened: A product change does not result in a new card account on your credit report, which could have lowered your average age of accounts and your credit score (temporarily). 3. Preserve Account History: Your payment history, account age, and credit limit all remain intact. The account number should also remain the same. 4. Does Not Count Towards Chase 5/24 Rule: Because a new card account isn’t opened, your 5/24 count won’t change. CHASE PRODUCT CHANGE: CONS 1. No Bonus: You won’t receive a welcome bonus for a product change. NOTE: You may receive the welcome bonus on the original card you opened (i.e. the Bonvoy Bold / Bonvoy Boundless, in this case). Read the terms first. Chase makes a distinction between (a) getting a Marriott credit card even without a signup bonus vs. (b) getting a Marriott credit card with a signup bonus. The eligibility is based on which cards you have, which cards you’ve had in the past, and if / when you got a signup bonus. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #ritzcarlton #travelcreditcards 2021-08-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343406/confirmed-chase-sapphire-preferred-and-reserve-major-updates https://gamma.videonest.org/343406_thumbnail_resized_v2.webp https://gamma.videonest.org/343406_video_v3.mp4 *CONFIRMED!* Chase Sapphire Preferred & Reserve MAJOR UPDATES! 2 of the best travel credit cards are getting MAJOR UPDATES! The Chase Sapphire Preferred & Chase Sapphire Reserve cards will be getting new rewards categories and benefits! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull LINK TO PRESS RELEASE: https://www.businesswire.com/news/home/20210810005607/en/Chase-Reveals-New-Benefits-Coming-to-Sapphire-Preferred-and-Reserve-Credit-Cards Starting on August 16, 2021 we’ll see the following upgraded benefits: NOTE: the following text is quoted directly from the Businesswire press release. Credit goes to Ashley Dodd. CHASE SAPPHIRE PREFERRED – updated benefits beginning 8.16.2021 - 5x total points on all travel purchased through Chase Ultimate Rewards - 3x points on dining, including eligible delivery services, takeout and dining out (previously 2x) - 3x points on select streaming services - 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs) - $50 Annual Credit on hotel stays purchased through Ultimate Rewards. New cardmembers will start earning towards the credit immediately and existing cardmembers will start earning after their next account anniversary. - 10% Anniversary Point Bonus. Each account anniversary, cardmembers will earn bonus points equal to 10% of total purchases made the previous year. That means, $25,000 in spend will earn an additional 2,500 bonus points. - Plus, new Sapphire Preferred cardmembers can currently earn 100,000 bonus points after spending $4,000 on purchases in the first three months from account opening, worth $1,250 in travel booked through Ultimate Rewards. - The Sapphire Preferred card will also feature a sleek new card design, which will be available to new and existing cardmembers after August 16 - Sapphire Preferred cardmembers will continue enjoying all the card already offers, including 2x points on travel and 25% more value when points are redeemed for travel through Chase Ultimate Rewards, all for the same annual fee. CHASE SAPPHIRE RESERVE – updated benefits beginning 8.16.2021 - 10x total points on Chase Dining purchases through Ultimate Rewards - 10x total points on hotel stays and car rentals purchased through Ultimate Rewards - 5x total points on air travel purchased through Ultimate Rewards - In addition to earning points, later this year Reserve cardmembers will have access to “Reserved by Sapphire,” featuring exclusive opportunities to book reservations at some of the most sought-after restaurants across the country including Canlis in Seattle, WA, Redbird in Los Angeles, CA, SingleThread Farms in Healdsburg, CA, Reverence in New York, NY and One Off Hospitality in Chicago. - New Sapphire Reserve cardmembers can currently earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months of account opening, worth $900 when redeemed for travel in Ultimate Rewards - This is in addition to all of what Sapphire Reserve currently provides, including earning 3x points on dining and on a broad definition of travel, a $300 annual travel credit, $100 application fee credit for Global Entry or TSA PreCheck, special benefits through the Luxury Hotel & Resort Collection, points that are worth 50% more when redeemed for travel through Chase Ultimate Rewards, and more. Sapphire Reserve annual fee will remain $550, as previously announced. CHASE SAPPHIRE LOUNGE BY THE CLUB Chase is opening its own airport lounge network in partnership with The Club, “including New York’s LaGuardia Airport (LGA) in the brand new Terminal B, Boston Logan International Airport (BOS) Terminal B to C Connector, and later this year, a first international location in Hong Kong International Airport (HKG) Terminal 1. Opening dates and additional lounge details will be announced over time, and the pipeline of destinations will continue to grow to include new locations at select major airports.” Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #chasesapphirepreferred #chasesapphirereserve 2021-08-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343407/citi-custom-cash-card-unboxing https://gamma.videonest.org/343407_thumbnail_resized_v2.webp https://gamma.videonest.org/343407_video_v3.mp4 CITI CUSTOM CASH CARD UNBOXING! My new Citi Custom Cash Card arrived in the mail! Now it’s time to open it up and show you what this new cash back credit card looks like! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO 1: I Got The Citi Custom Cash Card – Step by Step Product Change https://youtu.be/bxOJrX17Gi4 🎬 VIDEO 2: Citi Custom Cash Card Review https://youtu.be/YHj6-ZC8LyA The Citi Custom Cash Card is one of the best cash back credit cards with no annual fee on the market right now. I was able to get it by doing a product change from the Citi Simplicity Card, which means I did not have to submit an application, there was no hard inquiry, and there was no effect on my credit score. I also kept the same credit card account number and preserved all my account history (including the credit limit, payment history, and account age). However, if you do apply via new application, the current welcome bonus is as follows… WELCOME BONUS (August 2021) Earn $200 cash back after spending $750 on purchases in the first 3 months. This offer will be fulfilled as 20,000 ThankYou points. (Note: A different offer, potentially higher, may be available inside branch locations). Plus, you’ll receive 0% APR for 15 months on purchases and balance transfers, then 13.99% - 23.99% variable APR afterward. ANNUAL FEE = $0 EARN CASH BACK - 5% Top Eligible Spend Category:* Earn 5% cash back in the category where you spent most each billing cycle. Valid on the first $500 spent, then 1% cash back beyond that until it refreshes the following cycle. - 1% Other Purchases *5% ELIGIBLE CATEGORIES - Restaurants - Gas Stations - Grocery Stores - Select Travel - Select Transit - Select Streaming Services - Home Improvement Stores - Live Entertainment - Drugstores - Fitness Clubs To learn exactly what counts for 5% under each category, check out this link below: https://www.citi.com/credit-cards/additional-info/citi.action?ID=AdditionalInfo-CustomCash Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #citicustomcash #cashbackcreditcards 2021-08-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343408/credit-cards-101-how-to-justify-credit-card-annual-fees https://gamma.videonest.org/343408_thumbnail_resized_v2.webp https://gamma.videonest.org/343408_video_v3_converted.mp4 CREDIT CARDS 101: How To Justify Credit Card Annual Fees Ever wondered why some people pay credit card annual fees? Learn how it can make sense and why some of us have multiple cards with fees! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull RULES OF ANNUAL FEES Rule #1: In Year 1, the welcome bonus might justify a card’s annual fee. Example: Earn $500 Bonus – Pay $95 Annual Fee = PROFIT $405 Rule #2: In Year 2 and beyond, ensure you get more value from a card than the cost of its annual fee. This can be from: - Rewards: points / cash back - Benefits: Airport lounge access, flight perks, hotel perks, special access / treatment, etc. - Credits: Statement credits issued monthly, semi-annually, or annually - Insurance / Protections: Rental car CDW, lost luggage reimbursement, trip delay insurance, cell phone protection, extended warranty, etc. Rule #3: If you don’t get more value than the cost of the fee, consider downgrading or canceling the card. Rule #4: Never let a card’s “value” cause you to pay for things that you wouldn’t normally buy with cash. For example, many airport lounges allow you to buy individual day passes. If a day pass is $50, would you normally pay for that if you didn’t have a credit card that provided lounges access? If yes, then great! If not, then it probably doesn’t make sense for you to get a credit card with lounge access benefits because that card will likely have an annual fee that would need to be justified. NOTE… The monthly spend figures AND valuation of the credits & benefits used in the video are examples designed for illustrative purposes only. I encourage you to go through the same process with your own monthly spend and valuation of the card credits & benefits. JUSTIFYING THE FEES Based on $28,400 spend per card, distributed over their own rewards categories. Card #1: Citi Premier Card Points Earned: 60,400 Citi ThankYou Points Value of Points Earned: $604 (travel via Citi ThankYou portal) Value of Credits Used: $100 Value of Benefits Used: $120 Total Value: $824 - Annual Fee: $95 = Profit: $729 Card #2: American Express Gold Card Points Earned: 61,200 Amex Membership Rewards Points Value of Points Earned: $612 (flights via Amex portal) Value of Credits Used: $240/yr. Value of Benefits Used: $100/yr. Total Value: $952 - Annual Fee: $250 = Profit: $702 Card #3: Marriott Bonvoy Brilliant American Express Card Points Earned: 66,400 Marriott Bonvoy Points Value of Points Earned: $464.80 (Marriott hotels & resorts) Value of Credits Used: $300/yr. Value of Benefits Used: $496/yr. Total Value: $1,260.80 - Annual Fee: $450 = Profit: $810.80 ALSO… Be aware that card-linked offers (e.g. Amex Offers) can be another great way to recoup the cost of a card’s annual fee. Overall, it can definitely make sense to keep credit cards that have annual fees as long as your income, travel, spend, etc. can make sense of them. One way to look at it is annual fees are like prepaying for things you’d normally buy anyway. You pay for the rewards / benefits up front, and then earn them back throughout the year. And of course, the best result is not only breaking even, but rather getting into profit so that the card gives you more value than you pay for it. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcardannualfees #americanexpress 2021-08-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343409/i-got-the-citi-custom-cash-card-step-by-step-product-change https://gamma.videonest.org/343409_thumbnail_resized_v2.webp https://gamma.videonest.org/343409_video_v3_converted.mp4 I Got The CITI CUSTOM CASH CARD! (Step-by-Step Product Change) The Citi Custom Cash Card is one of the best new cash back credit cards of 2021! See how I got it by converting from the Citi Simplicity card to avoid a new inquiry. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull I’ve done credit card product changes with Citi before over the phone, but in this video, I decided to use the online chat feature and show you the transcript! TO ACCESS CITI CHAT SUPPORT 1. Log into your online Citi account 2. Scroll down to the bottom until you see the grey footer 3. Under the Help & Support column, click on Chat With Us 4. If you don’t see the Chat With Us option, choose Contact Us instead. Then on the next page select Message Us. PROS – CITI CREDIT CARD PRODUCT CHANGES 1. No Inquiry: A hard pull on your credit report is not performed when changing from 1 Citi card to another. 2. No New Account Opened: A product change does not result in a new card account on your credit report, which could have lowered your average age of accounts and your credit score (temporarily). 3. Preserve Account History: Your payment history, account age, and credit limit all remain intact. 4. Does Not Count Towards Chase 5/24 Rule: Because a new card account isn’t opened, your 5/24 count won’t change. CONS – CITI CREDIT CARD PRODUCT CHANGES 1. No Bonus: You won’t receive a welcome bonus for a product change. 2. No New Credit Line: By product changing, you’ll keep the same credit limit (i.e. no new credit will be added). Didn’t mention this one in the video. ADDITIONAL NOTES - Shortly after confirming the product change request, I received a credit card tracker in my Citi mobile app and online account showing that the account change was processed. It will also show when the new Citi Custom Cash card has shipped and when it’s activated & ready for use. - My account number remained the same when going from the Citi Simplicity Card to the Citi Custom Cash card. - My billing cycle also remained the same (i.e. same open date & close date). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #citicustomcash #cashbackcreditcards 2021-07-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343410/watch-me-apply-my-2nd-amex-business-platinum-card-in-2021-or-amex-no-lifetime-language-offer https://gamma.videonest.org/343410_thumbnail_resized_v2.webp https://gamma.videonest.org/343410_video_v3_converted.mp4 *WATCH ME APPLY* My 2nd Amex Business Platinum Card in 2021 | Amex No Lifetime Language Offer Can you get 2, 3 or MORE of the same Amex credit card AND STILL get the welcome bonus? You’re about to find out as I apply for my 2nd Amex Business Platinum Card in 2021! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull The American Express Business Platinum Card has been having some INSANE welcome offers lately. I recently received a targeted email saying I could apply for the Amex Business Platinum Card and was eligible to earn 150,000 Membership Rewards points after spending $15,000 in the first 3 months of card membership. This offer DID NOT have the Amex Lifetime Language that is typically seen on all standard, public offers. I currently have the Amex Business Platinum Card. In fact, originally got it back in 2017, then again in 2021 (and received the welcome bonuses both times), and now I’m going after it a THIRD TIME in my overall relationship with American Express. In fact, here’s my Amex Business Platinum Card Timeline… Card #1 - Opened: 5.17.2021 - Closed: 6.16.2021 - I had it for 13 months - Which was a little less than 3 years ago - Received the welcome offer? Yes. I believe it was to earn 100,000 Membership Rewards points after spending $10,000 in the first 3 months. - Did it have lifetime language? Yes, but it was my 1st time getting the card. Card #2 - Opened: 3.30.2021 - Closed: N/A, I still have it - I had it for a little under 4 months - Received the welcome bonus? Yes. It was to earn 100,000 Membership Rewards points after spending $15,000 in the first 3 months, PLUS earn 5X points on select business categories for the first 3 months (up to a certain threshold). - Did it have lifetime language? No, which is why I was able to get it again with a welcome offer. Card #3 - Opened: 7.22.2021 - Closed: N/A, I got approved in this video :D - Received the welcome bonus? TBD. I need to meet the spend requirement first, but likely so. The offer was to earn 150,000 Membership Rewards points after spending $15,000 in the first 3 months. - Did it have lifetime language? No, which is why I was able to get it for the 2nd time with an offer in 2021 (and the 3rd time over the past 4 years). KEY TAKEAWAYS… - Amex Lifetime Language: States you cannot receive a welcome bonus on a card if you currently have it or previously had it in the past. - Where to find it: (1) Go to Amex’s website (2) Navigate to the card (3) Click on the Offer & Benefit Terms link (4) Scroll down to the OFFER TERMS section. - Which cards it applies to: All personal & business cards. - What it says: “Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.” - No-Lifetime-Language Offer: Does not include lifetime language in terms. - What this means: You may be able to get a welcome bonus on an Amex card you currently have or previously had in the past. - Is it possible to get 2 or more of the same Amex card? Yes, but you’ll only get the welcome bonus on the 1st one unless: (a) the others had no-lifetime-language offers or (b) if you upgraded from another card and had an upgrade bonus. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #amexplatinum 2021-07-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343411/chase-524-rule-expanded-applies-to-credit-limit-increases https://gamma.videonest.org/343411_thumbnail_resized_v2.webp https://gamma.videonest.org/343411_video_v3.mp4 CHASE 5/24 RULE *EXPANDED!* (Applies to Credit Limit Increases) The Chase 5/24 was first implemented to prevent abusing the Ultimate Rewards program, but now it’s been expanded as a risk tolerance measure! Watch to learn more! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO: When To Pay Credit Card Bill To Increase Credit Score https://youtu.be/BtIwGldr9rY The Chase 5/24 Rule was first introduced back in 2015 to cut down on abusing the Ultimate Rewards program. Here’s what the rule says… Chase will automatically deny a credit card application if you’ve opened 5 or more credit cards with any bank in the last 24 months that appear on your credit report. (I say ‘appear’ on your credit report because Chase needs to be able to see them in order to count them. For this reason, many business credit cards will not count towards the 5/24 Rule because most do not appear on your personal credit report.) That said, I recently received a comment by viewer Android77 who mention they were denied for a credit limit increase from Chase due to the 5/24 Rule. After doing some research, I came across several blog posts dated July – August 2020 about the issue. BLOG POST 1: BestCards Title: Chase Extends 5/24 Rule to Credit Limit Increses Link: https://www.bestcards.com/credit-card-news/chase-extends-5-24-rule-to-credit-limit-increases/ BLOG POST 2: AwardWallet The Blog Title: Chase (Temporarily?) Expanding 5/24 Policy to Credit Limit Increases Link: https://awardwallet.com/blog/chase-expands-524-policy-credit-limit-increases/ BLOG POST 3: Miles to Memories Title: Chase Using 5/24 Rule For Credit Limit Increase Link: https://milestomemories.com/chase-using-5-24-rule-for-credit-limit-increase/ Interestingly, all 3 of these blogs referred to Doctor of Credit as the new source. So I found the post from Doctor of Credit and looked it over (see below)… BLOG POST 4: Doctor of Credit Title: Chase Applying The 5/24 Rule For Credit Limit Increases Link: https://www.doctorofcredit.com/chase-applying-the-5-24-rule-for-credit-limit-increases/ In the comments section, I found a comment from reader CMG that said: “Same thing happened to me. I have a CSP, and two Ink Business Cards. My CSP CL is $6k. I have 1% utilization across all my cards and they denied me for a CLI due to 5/24 so I couldn’t upgrade to CSR. CS is 790.” This also reminded me of an article by CNBC titled, “Card issuers are cutting credit limits without warning.” Here’s the link: https://www.cnbc.com/2020/04/23/card-issuers-are-cutting-credit-limits-without-warning.html So yes, it seems that Chase has now expended the 5/24 Rule to credit limit increases around the July 2020 timeframe. While frustrating, it does make sense. From a bank’s point of view, the target demographic of people who’ve opened 5+ credit cards in the past 2 years could be looked at as ‘higher risk’ to, especially during a time when financial & economic hardship is hitting millions around the globe. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #chase524 #creditcardapplicationrules 2021-07-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343412/finally-citi-adds-american-airlines-as-a-transfer-partner-valid-7182021-11132021 https://gamma.videonest.org/343412_thumbnail_resized_v2.webp https://gamma.videonest.org/343412_video_v3.mp4 *FINALLY!* CITI ADDS AMERICAN AIRLINES as a transfer partner! (Valid 7.18.2021 – 11.13.2021) For YEARS the American Airlines AAdvantage program has NOT been a transfer partner of any major bank program, but that has now CHANGED (temporarily) in 2021! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull PART 1: BACKGROUND - You can transfer Chase Ultimate Rewards points into United MileagePlus miles - You can transfer Chase Ultimate Rewards points into Southwest Rapid Rewards points - You can transfer Amex Membership Rewards points into Delta SkyMiles - You can transfer Citi ThankYou points into JetBlue TrueBlue points But which bank allows you to transfer points into American Airlines AAdvantage miles? None. And that’s despite the fact that both Citi and Barclays issue cobranded American Airlines credit cards (so they already have a partnership in place). Here are the 12 AA credit cards that are / were available, either via new application or via product change (i.e. upgrade / downgrade) CITI AA CREDIT CARDS 1. Citi AAdvantage Bronze Mastercard Credit Card (discontinued) 2. Citi AAdvantage Gold World Elite Mastercard (discontinued) 3. American Airlines AAdvantage MileUp Mastercard Credit Card 4. Citi AAdvantage Platinum Select World Elite Mastercard Credit Card 5. CitiBusiness AAdvantage Select World Elite Mastercard 6. CitiBusiness AAdvantage Platinum Select Mastercard 7. Citi AAdvantage Executive World Elite Mastercard BARCLAYS AA CREDIT CARDS 8. AAdvantage Aviator Mastercard 9. AAdvantage Aviator Blue Mastercard 10. AAdvantage Aviator Red Mastercard 11. AAdvantage Aviator Silver Mastercard 12. AAdvantage Aviator World Elite Business Mastercard That’s A LOT of credit cards with 2 major bank partners, but the fact that there weren’t any bank-point transfer opportunities with American Airlines for YEARS is crazy! NOW that’s all changing, at least for a limited time :D PART 2: CITI – AMERICAN AIRLINES TRANSFER PARTNER DETAILS - Currently temporary from 7.18.2021 thru 11.13.2021 - The transfer ratio varies based on which Citi credit card(s) you have - 1:1 transfer via Citi Chairman, Citi Prestige & Citi Premier credit cards (1,000 points = 1,000 AA miles) - 2:1 transfer via Citi ThankYou Preferred & Citi Rewards+ credit cards (1,000 points = 500 AA miles) PART 3: WHY THIS IS EXCITING! - This partnership is long overdue, so it’s great to see Citibank and American Airlines testing this out. Hopefully this pilot program ends up becoming a permanent transfer feature. - You now have an entirely new way – and the BEST way – to earn AA miles with credit cards! Before 7.18.2021, the best rate at which you could earn AA miles was via a single 3X category on the AAdvantage Aviator Silver Mastercard. All other cards only earn 2X miles at best, which is quite bad. Since Citi has cards that earn 3X and 5X ThankYou points, it’s now like earning 3X or 5X AA miles in select purchase categories if you have an eligible card offering 1:1 point-to-mile transfers. - American Airlines is part of the oneworld alliance. This means if you transfer your Citi ThankYou points into AA miles, you don’t have to book an AA flight. You could also use your newly transferred AA miles to book other flights on other airlines within the oneworld alliance. That includes British Airways, Iberia, Japan Airlines, Cathay Pacific, and Alaska Airlines! You can see all the oneworld airlines at this link: https://www.oneworld.com Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #citiprestige #citipremier #americanairlines 2021-07-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343413/watch-me-pay-credit-card-bills-when-to-pay-credit-card-bill-to-avoid-interest https://gamma.videonest.org/343413_thumbnail_resized_v2.webp https://gamma.videonest.org/343413_video_v3_converted.mp4 *WATCH ME* PAY CREDIT CARD BILLS! (When To Pay Credit Card Bill to Avoid Interest) Ever wondered how to pay a credit card bill with Chase? Amex? Wells Fargo? I’ll walk you through my process to show you exactly HOW & WHEN to pay your credit card bill to boost your credit score! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO: When To Pay Credit Card Bill To Increase Credit Score https://youtu.be/BtIwGldr9rY If you’re a beginner to credit cards, it’s important to understand how to use credit cards to build credit (and how to use credit cards to your advantage)! 1. KEY TERMS - BILLING CYCLE: Period of time between 1 bill and the next (approx. 30 days depending on the month). This is simply a bank’s way of grouping a bunch of your charges together into 1 bill (called a ‘statement’). - OPEN DATE: First day of your billing cycle. - CLOSE DATE: Last day of your billing cycle. - NEW BALANCE: The total amount of money you spent on the card during the billing cycle (i.e. all your charges added together). - DUE DATE: The day your bill is due.Only the min. balance is required, but that would charge you interest. So, pay the entire statement balance (i.e. the ‘new balance’) on or before the due date to avoid all interest charges. 2. KEY TAKEAWAYS… - Paying the minimum payment – or anything less than the full new balance – means that a portion of your charges will be carried over to the next billing cycle. This is the equivalent of borrowing money, so you’ll be charged interest until it’s fully paid. - TO AVOID INTEREST, pay your entire bill (i.e. the ‘new balance’) IN FULL on or before the due date. - Paying after the due date results in a late payment, which can hurt your credit score. Consider keeping a spreadsheet, using an app like MaxRewards, and turning on email/text notifications with your bank to remind you when statements become available and when they’re due. Also consider using autopay. - Paying your new balance early (i.e. before the due date) has the same effect on your credit score as paying on time (i.e. on the due date). There’s no difference. - I personally like to pay early to avoid last-minute scenarios and potentially forgetting. I usually let my billing cycle close, get my statement, and pay the entire new balance in full within 24 hours from my phone (i.e. about 3 weeks early). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #howtopaycreditcardbill #whentopaycreditcardbill #howtoincreasecreditscore 2021-07-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343414/why-i-used-1-credit-card-for-everything-1-credit-card-vs-3-4-credit-cards https://gamma.videonest.org/343414_thumbnail_resized_v2.webp https://gamma.videonest.org/343414_video_v3_converted.mp4 Why I Used 1 Credit Card for EVERYTHING! (1 Credit Card vs. 3-4 Credit Cards) Should you use 1 credit card or multiple credit cards? Well, it depends on factors like convenience, time, and your desire to manage multiple cards responsibly to earn greater rewards. Learn what happened when I chose 1 card vs. multiple cards! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull If you’re only interested in how to build credit for the first time, then 1-2 credit cards in your first year will work just fine. But if you’re more interested in how many credit cards you should get to maximize your rewards from expenses, then the answer is usually “as many as you need (or want).” :D Of course, this also implies that you’ve built smart financial habits first. I recently went on 2 trips where I used only 1 credit card per trip. I then compared my return on spend from using that 1 card vs. using multiple cards to see what my opportunity cost was. Here were the findings! TRIP #1: DALLAS, TX 1-Card Setup | Purchases & Rewards - Transit: $261.96 | 786 points | Amex Green Card, 3X - Hotels: $660.43 | 1,981 points | Amex Green Card, 3X - Dining: $98.93 | 297 points | Amex Green Card, 3X - Other: $8.00 | 8 points | Amex Green Card, 1X Total Spent: $1,029.32 Total Points: 3,072 points The Value - 3,072 points = $61.44 towards Travel (2.0¢ per point, avg.) using transfer partners - 3,072 points = $38.40 towards Cash Back (1.25¢ per point) via Schwab Platinum Card 3-Card Setup | Purchases & Rewards - Transit: $261.96 | 786 points | Amex Green Card, 3X - Hotels: $660.43 | 1,981 points | Amex Green Card, 3X - Dining: $98.93 | 396 points | Amex Gold Card, 4X - Other: $8.00 | 16 points | Amex Blue Business Plus, 2X Total Spent: $1,029.32 Total Points: 3,179 points The Value - 3,179 points = $63.58 towards Travel (2.0¢ per point, avg.) using transfer partners - 3,072 points = $39.74 towards Cash Back (1.25¢ per point) via Schwab Platinum Card The Opportunity Cost - Travel: $63.58 - $61.44 = (-$2.14) - Cash Back: $39.74 - $38.40 = (-$1.34) ------------ TRIP #2: MYRTLE BEACH, SC 1-Card Setup | Purchases & Rewards - Festival: $227.47 | 909 points | BBVA Select, 4X - Transit: $59.37 | 59 points | BBVA Select, 1X - Dining: $317.01 | 951 points | BBVA Select, 3X - Other: $121.07 | 121 points | BBVA Select, 1X Total Spent: $724.92 Total Points: 2,040 points The Value - 2,040 points = $20.40 towards Travel or Cash Back (1.0¢ per point, avg.) 3-Card Setup | Purchases & Rewards - Festival: $227.47 | 909 points | BBVA Select, 4X - Transit: $59.37 | 178 points | Amex Green Card, 3X - Dining: $317.01 | 1,268 points | Amex Gold Card, 4X - Other: $121.07 | 242 points | Amex Blue Business Plus, 2X Total Spent: $724.92 Total Points: 2,597 points The Value - 2,597 points = $42.85 towards Travel (1.0¢ per point via BBVA + 2.0¢ per point avg. via Amex transfer partners) - 2,597 points = $30.19 towards Cash Back (1.0¢ per points via BBVA + 1.25¢ per point via Amex Schwab Platinum Card) The Opportunity Cost - Travel: $42.85 - $20.40 = (-$22.45) - Cash Back: $30.19 - $20.40 = (-$9.79) SUMMARY TRIP #1 - Loss (Cash Back): $1.34 - Loss (Travel): $2.14 TRIP #2 - Loss (Cash Back): $9.79 - Loss (Travel): $22.45 GAIN (Both Trips) - Convenience of using 1 card - No mental math headaches - Ease of tracking expenses - Ease of splitting costs with others Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #travelrewards #cashback 2021-07-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343415/rumor-big-updates-to-chase-sapphire-preferred-and-reserve https://gamma.videonest.org/343415_thumbnail_resized_v2.webp https://gamma.videonest.org/343415_video_v3.mp4 *RUMOR!* BIG UPDATES to Chase Sapphire Preferred & Reserve 2 popular travel credit cards - the Chase Sapphire Preferred & Chase Sapphire Reserve - will be receiving updated rewards / benefits! The details are still rumors, but let’s discuss what they’re all about! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CHASE SAPPHIRE PREFERRED – RUMORED UPDATES 8.15.2021 1. REWARDS: Updated Chase Ultimate Rewards Bonus Categories - 5X Travel via Ultimate Rewards portal - 3X Dining - 3X Streaming Services - 3X Online Grocery Store (excl. Target, Walmart, Wholesale clubs) - 2X Travel - 1X Other Purchases 2. BENEFITS: Updated Chase Sapphire Preferred Benefits - 10% Anniversary Bonus: Get 10% bonus on the total amount of points earned in the year, excl. welcome bonus, when you renew your card and pay the annual fee (e.g., if you earned 50,000 points in prior year, get a bonus of 5,000 points) - $50 Annual Hotel Credit: Each cardmember year, valid via Chase Ultimate Rewards portal CHASE SAPPHIRE RESERVE – RUMORED UPDATES 8.15.2021 1. REWARDS: Updated Chase Ultimate Rewards Bonus Categories - 10X Chase Dining - 10X Hotels via Ultimate Rewards portal - 10X Car Rentals via Ultimate Rewards portal - 5X Flights via Ultimate Rewards portal - 3X Travel - 3X Dining - 1X Other Purchases 2. BENEFITS: Updated Chase Sapphire Reserve Benefits - No new benefits are rumored as of the publishing of this video ANNUAL FEES? We don’t yet have any information about possible changes to the cards’ annual fees. Currently, the Chase Sapphire Preferred’s annual fee is $95 and the Chase Sapphire Reserve’s annual fee is $550. It’s definitely exciting to hear that Chase will be offering revamped rewards and/or benefits on both of their popular travel rewards credit cards! Quite frankly, it needed to happen, too! The Chase Freedom Unlimited and Chase Freedom Flex credit cards received updated rewards categories, including - 5X points / 5% cash back on travel via the Ultimate Rewards portal - 3X points / 3% cash back on dining at restaurants and on drugstore purchases - 1.5X points / 1.5% cash back on all other purchases (Chase Freedom Unlimited only) We’ll see what ultimately happens in the forthcoming weeks & months! The rumored go-live date is August 15, 2021 :D Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #chasesapphirepreferred #chasesapphirereserve 2021-07-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343416/is-the-amex-platinum-worth-it-dollar695-annual-fee-or-mid-2021-analysis https://gamma.videonest.org/343416_thumbnail_resized_v2.webp https://gamma.videonest.org/343416_video_v3.mp4 IS THE AMEX PLATINUM WORTH IT?! ($695 Annual Fee | Mid 2021 Analysis) The Amex Platinum Card now has a $695 annual fee. Can you justify keeping it in year 1, year 2, or beyond? It’s time for an in-depth analysis to see if the Amex Platinum card is worth it! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME OFFER vs. ANNUAL FEE NOTE: I'm using a public signup bonus of 100,000 Membership Rewards points. Excluded are any extra temporary multipliers (like 10X - 15X on Restaurants and Shop Small) because the rewards will vary based on how much you spend in those categories. 1. Bonus: 100,000 Points | Redeem: travel via Transfer Partners Value = $2,000 (avg.) Annual Fee = $695 Gain = $1,305 2. Bonus: 100,000 Points | Redeem: travel via portal for flights Value = $1,000 Annual Fee = $695 Gain = $305 3. Bonus: 100,000 Points | Redeem: travel via portal for hotels, car rentals, cruises, vacations Value = $700 Annual Fee = $695 Gain = $5 4. Bonus: 100,000 Points | Redeem: Cash back via statement credit Value = $600 Annual Fee = $695 Loss = -$95 CREDITS vs. ANNUAL FEE - Airline Fee Credit | $200 | Incidental travel fees on 1 selected airline | Annual - Hotel Credit | $200 | Prepaid hotel bookings via Fine Hotels & Resorts and The Hotel Collection | Annual - CLEAR Credit | $179 | Reimburses CLEAR membership fee | Annual - Saks Fifth Avenue Credit | $100 | Valid at Saks department stores and saks.com | Semiannual: $50 Jan. – Jun. and $50 Jul. – Dec. - Uber / Uber Eats Credit | $200 | Auto loaded into your Uber account as Uber Cash | Monthly: $15/mo. and $35 in December - Equinox Credit | $300 | Valid for Equinox All Access, Destination, or E by Equinox memberships | Monthly: $25/mo. - Digital Entertainment Credit | $240 | Reimburses for Peacock, The New York Times, Audible, or SiriusXM | Monthly: $20/mo. Total = $1,419 Annual Fee = $695 Gain = $724 SOFT BENEFITS vs. ANNUAL FEE - Global Dining Access by Resy - The Global Lounge Collection - International Airline Program - Fine Hotels & Resorts Program - Elite Status: Marriott Bonvoy Gold, Hilton Honors Gold, rental car programs - Concierge - No Foreign Transaction Fees Total = varies Annual Fee = $695 Gain/Loss = varies PROTECTIONS vs. ANNUAL FEE - Rental Car Loss & Damage Insurance - Trip Delay Insurance - Trip Cancellation Insurance - Purchase Protection - Return Protection - Extended Warranty - Cell Phone Protection Total = varies Annual Fee = $695 Gain/Loss = varies MARK vs. ANNUAL FEE Total Value Received = $1,158.40 Annual Fee = $695 Gain = $463.40 I highly recommend you do a benefit breakdown & analysis based on your situation, especially if you’re considering an Amex Trifecta (or more) card setup with the Amex Platinum Card, Amex Gold Card, Amex Green Card, and/or the Amex Blue Business Plus. Running an American Express credit card setup usually involves high annual fees, so it’s important that you can make sense of them given the credits, perks / benefits, protections, etc. Otherwise, there are other credit card setups with low-to-no annual fees. Common setups include the Chase Sapphire Reserve or Chase Sapphire Preferred along with the Chase Freedom Flex and Chase Freedom Unlimited. You could also consider the Chase Ink Business Preferred instead of one of the Sapphire cards. There are also cash back credit card setups that work well with Bank of America, Capital One, U.S. Bank and others. Do the math and see what works best for you! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. 2021-07-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343417/update-amex-platinum-card-dollar695-fee-new-benefits https://gamma.videonest.org/343417_thumbnail_resized_v2.webp https://gamma.videonest.org/343417_video_v3.mp4 *UPDATE!* AMEX PLATINUM CARD $695 FEE + NEW BENEFITS! YIKES! The annual fee jumped from $550 to $695 on the American Express Platinum Card and a bunch of new benefits were added. Learn about all the changes to this popular travel credit card! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull ANNUAL FEE The Amex Platinum Card’s annual fee increased from $550 to $695, an increase of $145 or 26.36%. If you’re a current Platinum Cardholder and your annual fee renews before 1.01.2022, then you’ll pay $550 one more time. If your card renews after 1.01.2022, then you’ll pay the $695 annual fee. If you sign up for the card for the first time, the $695 fee will be effective immediately. WELCOME BONUS – Standard Public Offer The new welcome offer as of 7.01.2021 is 100,000 Membership Rewards points after spending $6,000 on purchases in the first 6 months of opening your card. PLUS earn 10X points on restaurants worldwide and Shop Small purchases at U.S. businesses on up to $25,000 in combined purchases within the first 6 months. WELCOME BONUS – Via Resy Website Earn 125,000 Membership Rewards points after spending $6,000 on purchases in the first 6 months. PLUS earn 15X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25K spent in combined purchases for the first 6 months. - Link to Resy Offer: https://resy.com/amex-offers?date=2021-07-01&seats=2 NEW BENEFIT #1: $300 with Equinox Receive a monthly $25 statement credit to cover part of your Equinox All Access, Destination, or E by Equinox membership fees. Enrollment required. NEW BENEFIT #2: $240 Digital Entertainment Credit Receive up to $20 back every month when you charge one or more of these eligible services to your Platinum Card: Peacock, The New York Times, Audible, or SiriusXM. Enrollment required. NEW BENEFIT #3: $200 Hotel Credit Receive $200 back via statement credits every year on select prepaid hotel reservations with Amex Travel. Eligible options include: - Prepaid bookings via the Fine Hotels + Resorts program - Prepaid bookings via The Hotel Collection NEW BENEFIT #4: $179 with CLEAR Charge your annual CLEAR membership to your Platinum Card and receive up to a $179 statement credit to cover the cost of your membership fee. NEW BENEFIT #5: Global Dining Access by Resy Get access to exclusive reservations and special dining experiences through Resy. NEW BENEFIT #6: Premium Private Jet Program Get a 20% discount on Wheels Up Connect or a 40% discount on Wheels Up Core memberships. Also get a $500 or $2,000 credit added to your Wheels Up account to use toward your first flight within your first year of membership depending on your selected Wheels Up plan. NOTE: The other benefits & credits that were already a part of the Amex Platinum Card still remain, including: $200 airline fee incidental credit, $200 Uber / Uber Eats credit, $100 credit towards Global Entry or TSA PreCheck, the $100 Saks credit, elite status with the Marriott Bonvoy and Hilton Honors programs, and more. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexplatinumcard #amex 2021-07-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343418/ouch-schwab-platinum-card-devalued-amex-platinum-card-for-schwab-update https://gamma.videonest.org/343418_thumbnail_resized_v2.webp https://gamma.videonest.org/343418_video_v3.mp4 *OUCH!* SCHWAB PLATINUM CARD DEVALUED! (Amex Platinum Card for Schwab UPDATE) BIG NEWS about the Amex Schwab Platinum Card has been CONFIRMED! Redeeming Membership Rewards points will now be at a lower cash back rate. Watch to learn what’s going on! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull BACK STORY 1. The American Express Platinum Card allows you to EARN Membership Rewards points in the following way: - 5X Flights - 5X Prepaid Hotels - 1X Other Purchases. The Schwab Platinum Card earns in exactly the same way. 2. The Amex Platinum Card allows you to REDEEM Membership Rewards points like this: - 2.0¢ per point for Travel via transfer partners (average value) - 1.0¢ per point for flights via the Amex Travel Portal - 0.7¢ per point for hotels, car rentals, cruises, and vacations - also through the Amex Travel Portal The Schwab Platinum card gives you the same redemption options at the same rates. 3a. HOWEVER, if you REDEEM Membership Rewards points for CASH BACK with the REGULAR Amex Platinum Card, you’ll get 0.6¢ per point in value as a statement credit. On the other hand, the SCHWAB Platinum Card gives you 1.25¢ per point in value when redeeming for cash back into your eligible Schwab account. From there you can invest into the stock market or transfer to a checking account or savings account to literally get cash back. 3b. As an example, the REGULAR Amex Platinum Card makes 10,000 Membership Rewards points worth $60 for cash back. The SCHWAB Platinum Card makes 10,000 Membership Rewards points worth $125 (yep, that’s a 108.33% increase in value ... more than DOUBLE). WHAT’S HAPPENING ON 9.01.2021 On September 01, 2021, the Schwab Platinum Card’s cash-out rate will drop FROM 1.25% TO 1.10%. This will affect new and current cardholders. WHY THIS MATTERS American Express allows you to pool / combine your points earned across ALL cards that earn Membership Rewards into 1 balance. If you have the Schwab Platinum Card, you can then redeem all those combined points at the 1.25¢ rate (now dropping to 1.10¢). Look at the difference in your percent return between the REGULAR Amex Platinum Card (0.6¢) vs. SCHWAB Platinum Card *before* the devaluation (1.25¢) vs. SCHWAB Platinum Card *after* the devaluation (1.10¢) across the 4 Main Amex Cards (aka Amex Trifecta +1). a. Amex Platinum Card - 5X Flights = 3% | Schwab before = 6.25% | Schwab after = 5.5% - 5X Prepaid Hotels = 3% | Schwab before = 6.25% | Schwab after = 5.5% - 5X Other = 0.6% | Schwab before = 1.25% | Schwab after = 1.1% b. Amex Gold Card - 4X Restaurants = 2.4% | Schwab before = 5% | Schwab after = 4.4% - 4X Groceries at U.S. Supermarkets = 2.4% | Schwab before = 5% | Schwab after = 4.4% - 3X Flights = 1.8% | Schwab before = 3.75% | Schwab after = 3.3% - 1X Other = 0.6% | Schwab before = 1.25% | Schwab after = 1.1% c. Amex Green Card - 3X Restaurants = 1.8% | Schwab before = 3.75% | Schwab after = 3.3% - 3X Transit = 1.8% | Schwab before = 3.75% | Schwab after = 3.3% - 3X Travel = 1.8% | Schwab before = Schwab = 3.75% | Schwab after = 3.3% - 1X Other = 0.6% | Schwab before = 1.25% | Schwab after = 1.1% d. Amex Blue Business Plus Credit Card - 2X All Purchases, up to $50K/yr. = 1.2% | Schwab before = 2.5% | Schwab after = 2.2% While this is a definite bummer, I recommend that you look at your Amex card strategy if you’re currently running a Schwab setup. Make sure that your income, spend habits, travel habits, rewards preferences, etc. still make sense given the annual fees and new cash-out rate of 1.10%. If it makes sense for you, keep it. If it doesn’t, consider moving to a new card setup after making your last cash out prior to 9.01.2021. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexplatinumcard #charlesschwab 2021-06-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343419/us-bank-altitude-connect-review https://gamma.videonest.org/343419_thumbnail_resized_v2.webp https://gamma.videonest.org/343419_video_v3.mp4 U.S. BANK ALTITUDE CONNECT REVIEW! U.S. Bank has launched the Altitude Connect credit card! It’s a great card for earning cash back rewards on a bunch of spend categories (including travel), but is it the right card for YOU? Find out in this video! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (as of June 2021) Earn 50,000 points after you spend $3,000 in the first 120 days of card opening. The value of this offer is $500 toward travel or as cash back. ANNUAL FEE = $0 in Year 1, then $95 after that EARN POINTS - 5X Hotels: When prepaid & booked directly in Altitude Rewards Center - 5X Rental Cars: When prepaid & booked directly in Altitude Rewards Center - 4X Travel - 4X Gas Stations - 2X Grocery Stores: Including grocery delivery - 2X Dining - 2X Streaming Services - 1X Other Purchases REDEEM POINTS - Primary Options - Travel: 1 Point = 1¢ ($0.01) | 50,000 points = $500 - Cash Back*: 1 Point = 1¢ ($0.01) | 50,000 points = $500 *as a statement credit or via deposit to a U.S. Bank checking or savings account REDEEM POINTS - Other Options - Merchandise - Gift Cards - Rewards Cards (Prepaid U.S. Bank debit cards) - Annual Fee (9,500 points to offset $95 fee) - Real-Time Rewards - More (Event tickets, magazines, NetJets, charity, etc.) - PERKS & BENEFITS Streaming Bonus: Receive a $30 annual statement credit to cover streaming service purchases. The credit is automatically applied after 11 consecutive months of streaming purchases on your card. - $100 TSA PreCheck or Global Entry credit: Receive up to $100 as a statement credit to cover the application fee for either program once every 4 years. - No Foreign Transaction Fees STREAMING BENEFIT Qualifying Streaming Merchants (as of June 2021) - Amazon Music Unlimited - Apple Music - AT&T TV Now - Disney+ - Google Music - HBO Max - Hulu - Netflix - Pandora - SiriusXM - Slacker Radio - Sling TV - Spotify - Tidal - Vudu - YouTube Music - YouTube TV More Info About Streaming Benefit: https://www.myvisacardportal.com/usbank/en_us/altitude/altitudeconnect/offer-detail.html#streaming/A097944 VISA SIGNATURE BENEFITS - ID Navigator Powered by NortonLifeLock - 24/7 Concierge - Visa Signature Luxury Hotel Collection - Food & Wine benefits - Visa Signature Golf Benefit by Troon - Silvercar Car Rental benefits - Great rental car rates & discounts from Enterprise, National, and Alamo - Visa Offers + Perks More Info About Visa Signature Benefits: https://www.myvisacardportal.com/usbank/en_us/altitude/altitudeconnect/visabenefits.html INSURANCE & PROTECTIONS - Cell Phone Protection - Roadside Dispatch - Travel & Emergency Assistance - Lost / Stolen Card Reporting and Replacement - Cardmember Service - Zero Liability protection - Touchless Payments More Info About Insurance & Protections: https://www.myvisacardportal.com/usbank/en_us/altitude/altitudeconnect/protections.html SHOULD YOU GET IT? YES if you… - Prefer cash back over travel rewards or prefer travel rewards for domestic travel or budget travel - Spend a lot on gas + travel (4X) - and maybe streaming to use $30 credit - Value cell phone insurance - Want 1 card to cover a lot of spend categories - Like simple, easy-to use rewards NO if you… - Prefer travel rewards w/ ability to get outsized value (i.e. more than 1.0¢ per point) for big international trips and/or luxury travel - Want airline / hotel transfer partners - Spend a lot on groceries + dining (2X) - Want travel insurance / protections GOOD TO KNOW - Points earned on the Altitude Connect card cannot be transferred to the Altitude Reserve to get the 50% redemption boost toward travel. - A preexisting relationship with U.S. Bank is NOT required to get the Altitude Connect card. - U.S. Bank tends to be sensitive to newly opened accounts & recent inquiries. Recommended to have a ‘clean’ credit report for 6-12 months prior to applying. - It’s a metal credit card 😁 (i.e. plastic + metal hybrid) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #usbank #cashbackcreditcards #usbankaltitude 2021-06-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343420/watch-me-redeem-chase-points-for-an-apple-watch https://gamma.videonest.org/343420_thumbnail_resized_v2.webp https://gamma.videonest.org/343420_video_v3.mp4 *WATCH ME* REDEEM CHASE POINTS FOR AN APPLE WATCH! Normally I’d never redeem Chase Ultimate Rewards points for merchandise, but due to a special limited-time promo, it made a lot of sense. Watch me redeem for an Apple Watch SE as a Father’s Day gift! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull BACK STORY… 1. I received an email regarding my Chase Sapphire Preferred card saying, “Points are worth 25% more when redeemed for Apple products. Stay connected during your next trip. Through June 30, 2021, your points are worth 25% more when you redeem at the Apple Ultimate Rewards Store.” 2. Father’s Day is coming up, and for several months I’ve had an Apple Watch in mind as a gift for my dad. 3. Chase Ultimate Rewards points are normally worth 1¢ ($0.01) each for cash back, but they’re worth 25% more (i.e. 1.25¢ each) when redeemed for travel via the Ultimate Rewards portal or by using the Chase Pay Yourself Back feature to cover charges in select categories. 4. Since I had the opportunity to get the elevated 1.25¢ per point rate towards Apple products, I decided to take advantage of it to get the Apple Watch SE as a Father’s Day gift. HERE’S WHAT HAPPENED… - I started with 81,455 Chase Ultimate Rewards points, normally worth $814.55 towards cash back. - However, those points were worth 25% more towards Apple products, meaning their total value was now $1,018.19 (an extra $203.64) through 6.30.2021. That’s the same value I’d get for travel redemptions or by using the Pay Yourself Back feature that only covers select categories. - The all-in cost of the Apple Watch SE was $332.95. - That would normally have cost 33,295 Ultimate Rewards points, but due to the promo, I only had to use 26,636 points. - So I ended up getting a great gift for my dad while saving 6,659 points in the process (worth $66.59 via cash back or $83.24 for travel, Pay Yourself Back, or other limited-time promotions that may occur). - I was left with 54,829 points to use for future redemptions WRAP UP… Be sure to look out for limited-time promotions from Chase allowing you to get greater value for your Ultimate Rewards points than usual. My guess is that if I had the Chase Sapphire Reserve card, then the promo probably would’ve been for an extra 50% value. Definitely a nice way to treat yourself or others to a gift! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #chasesapphire #applewatch 2021-06-21T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343421/apple-card-credit-limit-increase-how-to-increase-credit-limit-on-apple-card https://gamma.videonest.org/343421_thumbnail_resized_v2.webp https://gamma.videonest.org/343421_video_v3.mp4 APPLE CARD CREDIT LIMIT INCREASE! (How to Increase Credit Limit on Apple Card) Here’s your step-by-step guide to getting an Apple Card Credit Limit Increase! Plus, watch me go through the process to see if I get approved for a credit limit increase myself! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull HOW TO REQUEST A CREDIT LIMIT INCREASE FOR APPLE CARD Direct Link: https://support.apple.com/en-us/HT212307 VIA IPHONE… 1. On your iPhone, open the Wallet app. 2. Tap your Apple Card. 3. Tap the more button the more icon. 4. Tap the Message button the Message icon. 5. Type a message requesting a credit limit increase, then tap the send button the send icon. VIA IPAD… On your iPad, open the Settings app, go to Wallet & Apple Pay, then to Apple Card, and finally to the Info tab. Then follow these steps: 1. Tap the Message button the Message icon. 2. Type a message requesting a credit limit increase. 3. Then, tap the send button the send icon IMPORTANT INFO: WHEN TO REQUEST A CREDIT LINE INCREASE “Goldman Sachs will consider your payment history with Apple Card and other credit information to determine whether to grant any request for credit limit increases on Apple Card. This means you may need up to six months or more of payment history with Apple Card before Goldman Sachs can approve your request for a credit line increase.” IF YOU’RE PART OF AN APPLE CARD FAMILY ACCOUNT “Only account owners and co-owners of a shared Apple Card account can request a credit limit increase.” HOW YOUR INITIAL CREDIT LIMIT IS DETERMINED “To determine your initial credit limit, Goldman Sachs uses your income and the minimum payment amounts associated with your existing debt to assess your ability to pay. In addition, Goldman Sachs uses many of the same factors that are used to assess whether your application is approved or declined, including your credit score and the amount of credit you utilize on your existing credit lines.” ADDITIONAL INFO: APPLE CARD REQUIREMENTS | APPLE CARD APPLICATION | MORE Direct Link: https://support.apple.com/en-us/HT209218#creditlimit Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #applecard #creditlimitincrease 2021-06-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343422/my-credit-score-exposed-view-my-credit-karma-account-or-credit-score-explained https://gamma.videonest.org/343422_thumbnail_resized_v2.webp https://gamma.videonest.org/343422_video_v3_converted.mp4 MY CREDIT SCORE EXPOSED! View My Credit Karma Account | Credit Score Explained Want to see my credit score? In this video I’ll reveal my Credit Karma account to show you my credit scores, underlying credit factors, and more! Learn how to improve your credit score with some helpful tips, too! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Credit Karma is a GREAT TOOL to view an estimate of your credit score and the credit factors that make up your score. I say ‘estimate’ because Credit Karma uses the VantageScore 3.0 scoring model, so it’s not your true FICO credit score. However, it’s still a great way to gauge your overall credit health and to understand (a) what’s keeping your score down, (b) what you’re already doing well at, and (c) how to increase your credit score. Credit Karma shows you the following: 1. Payment History: Percentage of payments you’ve made on time 2. Credit Card Use: How much credit you’re using compared to your total limits 3. Derogatory Marks: Collections, tax liens, bankruptcies, or civil judgments on your report 4. Credit Age: Average age of your open accounts 5. Total Accounts: Total open and closed accounts 6. Hard Inquiries: Number of times you’ve applied for credit When you click on the tiles of each of these 6 main credit factors, you can then see additional levels of detail. There’s also a really helpful link called ‘View All Accounts’ (which can be found under ‘Credit Card Use’). There you’ll be able to see a TON of detail for each of your credit cards and other types of loan-based financial products. As of the filming of this video, here were my scores and underlying factors for both TransUnion and Equifax… TRANSUNION CREDIT SCORE = 810 - Payment History: 100% - Credit Card Use: 0% - Derogatory Marks: 0 - Credit Age: 3 years 6 months - Total Accounts: 45 - Hard Inquiries: 4 EQUIFAX CREDIT SCORE = 826 - Payment History: 100% - Credit Card Use: 0% - Derogatory Marks: 0 - Credit Age: 3 years 6 months - Total Accounts: 45 - Hard Inquiries: 0 WHAT I CAN DO TO IMPROVE MY SCORE a. Stop applying for new personal credit cards: This will prevent new accounts from being opened and driving down my average age of credit history. It will also prevent new inquiries from hitting my report. b. Keep my current credit cards open longer: This will increase my average age of accounts and continue building a longer track record of positive payment history. c. Wait: Inquiries take 2 years to fall off your credit report. I have 4 on TransUnion, so those simply need time to fully fall off my report, although their effect has already begun to decrease. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditscore #creditkarma #creditfactors 2021-06-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343423/breaking-news-wells-fargo-to-release-new-credit-cards-in-2021-and-2022-wells-fargo-active-cash https://gamma.videonest.org/343423_thumbnail_resized_v2.webp https://gamma.videonest.org/343423_video_v3.mp4 BREAKING NEWS! Wells Fargo to Release NEW CREDIT CARDS in 2021 & 2022! (Wells Fargo Active Cash) Wells Fargo has announced the BRAND-NEW Active Cash credit card, PLUS an ALL-NEW credit card lineup that will be gradually released starting in 2021 and continue into 2022. I’ll be going over the press release details in this video! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull PRESS RELEASE LINK: https://www.businesswire.com/news/home/20210608005295/en/ PART 1 Wells Fargo announced a brand-new credit card that will be launching in July 2021. It’s called the Wells Fargo Active Cash Card (offering cash back rewards) and it will be followed by a second new credit card called the Wells Fargo Reflect Card (geared for low a APR). Wells Fargo has also announced that these new cards will be part of a new portfolio (suggesting other rewards credit cards are on the way)! They’ve got a new vision for their credit card lineup and emphasize a broader effort to simplify its products and services. PART 2 The Wells Fargo Active Cash Card will include the following features: - $0 annual fee. - Unlimited 2% cash rewards on purchases - A welcome bonus of $200 when you spend $1,000 in purchases in the first 3 months - An introductory 0% APR on purchases and qualifying balance transfers for the first 15 months from account opening; after that, a variable APR of 14.99% to 24.99% will apply - Cell phone protection when you pay your monthly cell phone bill with the Active Cash Card. Here’s the link for more info about this benefit: wellsfargo.com/ctp - Advanced security features, including voice verification and 2-step verification at digital banking sign-on - Access to Visa Signature Concierge Service & Visa Signature Luxury Hotel Collection - For more information about all of these details, visit: wellsfargo.com/activecash PART 3 Wells Fargo is also improving its co-branded credit cards, which we saw earlier with the release of the Hotels.com Rewards Visa Credit Card. Per Wells Fargo’s CEO of Consumer Lending (Mike Weinbach), “Our focus on building momentum in the co-branded card space is another exciting step in our transformation, and we believe the business is ripe for growth at Wells Fargo. We look forward to bringing even more co-brand card partners to Wells Fargo's proven marketing and underwriting capabilities, as well as new rewards strategies.” I’m very excited to see Wells Fargo reimagine their credit card lineup with all-new products, and a flat 2% cash back card with a 0% APR card to follow is a good foundation to build upon. There are a lot of great cash back credit cards on the market today. It’s good to see Wells Fargo’s desire to play catch up and hopefully compete in a very strong way. My personal desire is that these new credit cards will offer rewards that can be pooled / combined so that multiple cards can be used together. This would create a strong ecosystem to maximize the return on spend across many rewards categories. Time shall reveal what the Wells Fargo Team has in store! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #wellsfargo #cashbackcreditcards 2021-06-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343424/watch-me-redeem-587500-amex-points-for-cash-plus-schwab-platinum-card-rumor https://gamma.videonest.org/343424_thumbnail_resized_v2.webp https://gamma.videonest.org/343424_video_v3.mp4 *WATCH ME* REDEEM 587,500 AMEX POINTS FOR CASH! (PLUS Schwab Platinum Card RUMOR!) Watch me redeem 587,500 Amex Membership Rewards points for cash into my Charles Schwab brokerage account, PLUS learn why I’m doing this NOW instead of later. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull There’s a rumor going around that the American Express Platinum Card for Schwab MAY lose the ability to convert Membership Rewards points into cash at the 1.25¢ per point rate. This is normally able to be done via the Invest With Rewards feature and is unique to this version of the Amex Platinum Card. SOURCE: https://www.doctorofcredit.com/american-express-charles-schwab-to-lose-the-1-25¢-cashout-option-maybe-landing-page-language-removed For a long time, the following text appeared on the landing page for the Schwab Platinum Card: “You can use 60,000 points for a $750 deposit from Schwab into your eligible Schwab account.” According to the blog post, that language was removed sometime between 5/31 and 6/01, which is making people question if a change is coming to the card or Invest With Rewards feature. Could the cash-out rate be lowered? Could it be raised? Could it go away? Or worse, could the card itself be discontinued like Mercedes-Benz version some time ago? At this point we don’t know. But since points tend to be devalued over time, I’m choosing to redeem my 587,500 Amex Membership Rewards points NOW instead of later in case something negative happens to the current 1.25¢ per point cash-out rate. The Invest With Rewards option via the Schwab Platinum Card is the best way to redeem Amex points for cash back at the moment. The other option is to get a statement credit via the Cover Your Card Charges feature, but that only gives 0.6¢ per point instead of 1.25¢ (i.e. 10,000 points would only be worth $60 instead of $125 with Schwab). The nice thing about the Schwab Platinum Card in its current form is that you can apply the 1.25¢ per point rate to ALL Amex Membership Rewards points earned across ALL American Express cards you may have. So if you have the Amex Green Card, Amex Gold Card, Amex Blue Business Plus card, or any others that earn Membership Rewards points, they can all be pooled together into one balance, and then redeemed via Schwab. And as you can imagine, that makes for a very powerful cash back setup :D Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexplatinumcard #charlesschwab 2021-06-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343425/uh-oh-i-got-popped-by-amex-how-to-avoid-amex-pop-up-window-or-amex-pop-up-jail https://gamma.videonest.org/343425_thumbnail_resized_v2.webp https://gamma.videonest.org/343425_video_v3.mp4 UH OH! I Got POPPED BY AMEX! (How to AVOID Amex Pop Up Window | Amex Pop Up Jail) Well…it happened. I got the dreaded Amex popup window saying I was ineligible for a welcome bonus. Learn about what it is, what can trigger it, and what to do if it happens to you. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Amex Pop Up Jail is NOT a fun place to be. But fortunately, it’s not permanent, and getting out is actually quite easy – it just takes some time. 1. WHAT IS IT? (What is the Amex Pop Up Window?) It’s a window that may appear immediately after you submit a credit card application but before a credit check is performed. It’s a warning that you are not eligible to receive the welcome offer if you decide to proceed. Translation: “No bonus points & no intro APR for you!” However, you may still be able to get the card product itself if you decide to Continue & Submit, or you can Cancel your application with no credit check / inquiry. 2. WHAT CAUSES IT? (What causes the Amex Pop Up Window?) While not a complete list, here are some likely scenarios that could cause the Amex Pop Up Window to appear: a. Receiving too many Amex welcome bonuses* b. Receiving too many introductory APR offers* c. Opening too many Amex cards* d. Closing too many Amex cards* e. If you’ve had the same card in the past f. Other factors * Within a given period of time (not publicly known) 3. WHAT TO DO IF YOU GET IT (How to get out of Amex Pop Up Jail) There’s not an exact science behind breaking free from the American Express Pop Up Jail, but here are some suggestions that may help accelerate your freedom :D a. DON’T APPLY for any Amex cards b. DON’T CLOSE any Amex cards c. USE your current Amex cards regularly d. REPEAT Steps 1 – 3 for several months e. APPLY again 4. WHICH CARDS ARE AFFECTED? Basically, any of them could be :D Including… Amex Cards with no preset spending limit, like: - Amex Platinum Card - Amex Gold Card - Amex Green Card - Amex Plum Card (This includes personal and business versions) Amex Cards for travel, like: - Hilton Honors American Express Cards (incl. Hilton Honors Surpass & Hilton Honors Aspire) - Delta SkyMiles Blue, Gold, Platinum, and Reserve American Express Cards - Marriott Bonvoy Brilliant & Marriott Bonvoy Business cards Amex Cards for cash back, like: - Amex Blue Cash Everyday Card - Amex Blue Cash Preferred Card - Amex Cash Magnet Card And the list goes on from there! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #amexpopup #creditcardapplications 2021-06-04T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343426/best-credit-cards-for-groceries-2021 https://gamma.videonest.org/343426_thumbnail_resized_v2.webp https://gamma.videonest.org/343426_video_v3.mp4 BEST Credit Cards for GROCERIES 2021! If you’re human, there’s a chance you spend money on food at grocery stores (cuz we all gotta eat)! Learn which credit cards are best to use at grocery stores so you can earn cash back or travel rewards along the way. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull NOTE: Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. TIMELINE 02:21 - Cash Back Cards 06:13 - Travel Cards 13:27 - Store Cards SECTION 1: BEST CASH BACK CREDIT CARDS FOR GROCERIES CARD 1: BLUE CASH EVERYDAY CARD FROM AMERICAN EXPRESS * Annual Fee = $0 * Rates & Fees: * Rewards - 3% U.S. Supermarkets: Up to $6K per year, then 1% - 2% U.S. Gas Stations - 2% Select U.S. Dept. Stores - 1% Other Purchases CARD 2: BLUE CASH PREFERRED CARD FROM AMERICAN EXPRESS * Annual Fee = $0 in Year 1 | $95 thereafter * Rates & Fees: *Rewards - 6% U.S. Supermarkets: Up to $6K per year, then 1% - 6% U.S. Streaming - 3% Transit: Taxis, rideshare, parking, tolls, trains, buses, and more - 3% U.S. Gas Stations - 1% Other Purchases CARD 3: CAPITAL ONE SAVORONE CARD * Annual Fee = $0 * Rewards - 3% Dining - 3% Entertainment - 3% Streaming Services - 3% Grocery Stores - 1% Other Purchases CARD 4: CAPITAL ONE SAVOR CARD *Annual Fee = $85 * Rewards - 8% Vivid Seats: Valid Mar. 19, 2019 – Jan. 31, 2022 | Includes applicable taxes & fees | Excludes 3rd-party items added to ticket, like insurance - 4% Dining - 4% Entertainment - 4% Streaming Services - 3% Grocery Stores - 1% Other Purchases SECTION 2: BEST TRAVEL CREDIT CARDS FOR GROCERIES CARD 5: AMERICAN EXPRESS GOLD CARD *Annual Fee = $250 * Rewards - 4X Restaurants: Including takeout & delivery - 4X Groceries: At U.S. supermarkets on up to $25K per year, then 1X - 3X Flights: Booked directly w/ airlines or on amextravel.com - 1X Other Purchases CARD 6: CITI PREMIER CARD *Annual Fee = $95 * Rewards - 3X Restaurants - 3X Supermarkets - 3X Gas Stations - 3X Air Travel - 3X Hotels - 1X Other Purchases CARD 7: U.S. BANK ALTITUDE RESERVE CARD * Annual Fee = $400 * Rewards - 5X Hotels: Must be prepaid & booked in Altitude Rewards Center - 5X Car Rentals: Must be prepaid & booked in Altitude Rewards Center - 3X Travel - 3X Dining: Incl. takeout & delivery | Exp. 6/30/2021 - 3X Mobile Wallet: Use this for groceries at places that accept mobile wallet payments - 1X Other Purchases CARD 8: HILTON HONORS AMERICAN EXPRESS CARD * Annual Fee = $0 * Rewards - 7X Hilton Hotels & Resorts - 5X Dining - 5X Groceries: At U.S. Supermarkets - 5X Gas: At U.S. Gas Stations - 3X Other Purchases CARD 9: HILTON HONORS AMERICAN EXPRESS SURPASS CARD * Annual Fee = $95 * Rewards - 12X Hilton Hotels & Resorts - 6X Dining - 6X Groceries: At U.S. Supermarkets - 6X Gas: At U.S. Gas Stations - 3X Other Purchases SECTION 3: BEST STORE CREDIT CARDS FOR GROCERIES CARD 10: TARGET REDCARD CREDIT CARD * Annual Fee = $0 * Rewards - 5% Off Your Purchase immediately at checkout CARD 11: CAPITAL ONE WALMART REWARDS CARD * Annual Fee = 0 * Rewards - 5% Walmart.com: Including pickup & delivery - 2% In Walmart Stores - 2% Fuel Stations - 2% Restaurants - 2% Travel - 1% Other Purchases CARD 12: COSTCO ANYWHERE VISA BY CITI * Annual Fee = $0 * Rewards - 4% Gas: Costco + Non-Costco, worldwide | Up to $7K spend per year, then 1% - 3% Restaurants - 3% Travel - 2% Costco: In store & online Executive Members earn an extra 2% on the first $50K spent /yr. ($1,000 max in additional rewards) on Costco, Costco.com, and Costco Travel purchases. This can be stacked for 4% total at Costco. - 1% Other Purchases CARD 13: SAM’S CLUB MASTERCARD * Annual Fee = $0 * Rewards - 5% Gas: On the first $6K per year, then 1% - 3% Sam’s Club: Plus members only | Plus members also get 2% back on eligible in-club purchases, up to $500/year. This can be stacked for 5% total on in-store purchases. - 3% Dining - 1% Other Purchases CARD 14: BJ’S PERKS ELITE MASTERCARD * Annual Fee = $0 * Rewards - 5% Most BJ’s Purchases: On the first $6K per year, then 1% - 2% Dining Out - 2% Non-BJ’s Gas Stations - 1% Other Purchases Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #groceryshopping #cashbackcreditcards #travelcreditcards 2021-05-31T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343427/capital-one-savor-card-review-2021 https://gamma.videonest.org/343427_thumbnail_resized_v2.webp https://gamma.videonest.org/343427_video_v3.mp4 Capital One SAVOR Card Review 2021! Do you spend a lot on food and entertainment? Do you like cash back? If so, the Capital One Savor card should be on your radar for a future credit card application! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (as of May 2021) Earn $300 cash after spending $3K on purchases within the first 3 months. ANNUAL FEE = $95 EARN CASH BACK - 8% Vivid Seats: Valid Mar. 19, 2019 – Jan. 31, 2022 | Includes applicable taxes & fees | Excludes 3rd-party items added to ticket, like insurance - 4% Dining - 4% Entertainment - 4% Streaming Services - 3% Grocery Stores - 1% Other Purchases WHAT COUNTS AS ENTERTAINMENT - SAVOR CARD - movie theatre - record store - video rental location: excl. digital streaming & subscription services - tourist attraction - amusement park - aquarium - zoo - dance hall - billiard & pool establishments - bowling alley - commercial sports promoter (i.e. professional or semi-professional live sporting events) - theatrical promoter - concert promoter - Exclusions: You won’t earn 4% cash back for purchases made at golf courses, country clubs (including membership fees), collegiate sporting events categorized as “universities”, charitable organizations that provide live entertainment, amusement park tickets purchased on 3rd-party sites or on entertainment and resort packages categorized as “travel” or “hotel”. WHAT COUNTS AS STREAMING - SAVOR CARD Streaming includes purchases made from eligible music and video streaming services, including Netflix, Hulu, and Disney+. - Exclusions: Some services, such as Prime Video, AT&T TV and Verizon FIOS On Demand, are excluded, as well as audiobook subscription services and fitness programming. WHAT COUNTS AS DINING FOR CAPITAL ONE SAVOR CARD - restaurants - cafes - bars - lounges - fast-food chains - bakeries - Exclusions: Food trucks, food carts and restaurants in department stores or hotels may not qualify. - Source: SOURCE: https://www.cnbc.com/select/how-credit-card-issuers-classify-purchases-for-bonus-rewards REDEEM CASH BACK 1. Statement Credit: Apply directly toward your card balance or against a specific purchase 2. Check: Sent via mail to address on your account 3. Gift Cards: Sent via mail within 2-3 weeks 4. Other Options: Shop online via Amazon & PayPal - Automatic Redemption Preferences: At a set time each calendar year | When a threshold has been reached ($25, $50, $100, $200, $500, $1,500) CAPITAL ONE SAVOR BENEFITS - Premier Culinary Experiences: Access to intimate dinners, curated cuisine, and unique chef collaboration - Must-See Music Events: Access to tickets to some of the biggest concerts and music festivals, plus perks like VIP packages, on-site cardholder lounges and more - Big-Time Sports Events: Access to VIP experiences, discounts, and on-site perks - Capital One Offers: Add discount coupons to your card to save money at various merchants - Virtual Card Number from Eno: Keep your physical card number safe by paying online with virtual card numbers WORLD ELITE MASTERCARD BENEFITS - Lyft: Take 5 or more rides in a month and earn $10 in credit for future rides, up to $120 / year. - ShopRunner membership: Free 2-day shipping & returns at select retailers - More? INSURANCE & PROTECTIONS - Extended Warranty - Travel Accident Insurance - Concierge Service - 24-Hour Travel Assistance Services GOOD TO KNOW - Capital One pulls all 3 bureaus for credit card applications (TU, EX, EQ). - This is a metal credit card :D SHOULD YOU GET IT? YES if you… - Spend a lot on dining + entertainment - Prefer cash back over travel rewards NO if you… - Don’t spend a lot on dining + entertainment - Prefer travel rewards over cash back - Won’t earn enough rewards to offset the $95 annual fee and still profit - Want a card with no annual fee Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #cashback #capitalone 2021-05-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343428/chase-ink-business-preferred-review https://gamma.videonest.org/343428_thumbnail_resized_v2.webp https://gamma.videonest.org/343428_video_v3.mp4 Chase Ink Business PREFERRED Review! The Chase Ink Business Preferred is a GREAT credit card for small businesses that have large expenses in shipping, advertising, internet, cable, phone, and travel. Learn all about it in this video review! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull NOTE: Terms apply to Chase benefits and offers. Visit chase.com to learn more. WELCOME BONUS (as of May 2021) Earn 100,000 points after spending $15K on purchases in the first 3 months. Approximate value = $1,000 - $2,000 on average. ANNUAL FEE = $95 POINTS – EARN Chase Ultimate Rewards Points Earn 3X on first $150K in combined purchases in the following categories each account anniversary year: - 3X Travel - 3X Advertising: Social media sites & search engines - 3X Internet, cable & phone - 3X Shipping - 1X Other Purchases WHAT COUNTS AS TRAVEL FOR CHASE INK BUSINESS PREFERRED airlines hotels motels timeshares car rental agencies cruise lines travel agencies discount travel sites campgrounds passenger trains buses taxis limousines ferries toll bridges highways parking lots garages EXCLUSIONS: Merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category. POINTS – REDEEM Chase Ultimate Rewards Points - Travel (Transfer Partners): 2.0¢ per point, average - Travel (Chase Travel Portal): 1.25¢ per point for flights, hotels, car rentals, cruises, vacations, and experiences - Pay Yourself Back (Statement credit): 1.25¢ per point as a statement credit to offset purchases for shipping, home improvement stores, and select charities (exp. 6/30/2021 unless changed) - Cash Back (Statement credit or deposit to checking or savings account): 1.0¢ per point CHASE TRANSFER PARTNERS Aer Lingus, AerClub Air Canada Aeroplan (coming late 2021) British Airways Executive Club Emirates Skywards Flying Blue Air France KLM Iberia Plus JetBlue TrueBlue Singapore Airlines KrisFlyer Southwest Airlines Rapid Rewards United MileagePlus Virgin Atlantic Flying Club IHG Rewards Club Marriott Bonvoy World of Hyatt CHASE INK BUSINESS PREFERRED BENEFITS - Employee cards at no additional cost - Business expense reporting tools INSURANCE & PROTECTIONS - Trip Cancellation / Trip Interruption Insurance - Roadside Dispatch - Auto Rental Collision Damage Waiver: coverage is primary - Cell Phone Protection - Purchase Protection - Extended Warranty Protection SHOULD YOU GET IT? YES if you… - Are a business owner - Spend regularly in the 3X categories: Travel | Shipping | Advertising | Internet, Cable, Phone - Value points that are good for cash back and great for travel - Want cell phone protection - Are under 5/24 NO if you… - Don’t spend much in the 3X categories - Find a different card that greater more than 3% cash back equivalent in the areas you spend - Prefer a card with no annual fee - Are over 5/24 GOOD TO KNOW… 1. You Can Pool / Combine Points With Other Chase Cards The Chase Ink Business Preferred credit card earns Ultimate Rewards (UR) points. You can pool the points together with other Chase cards (personal or business) that also earn UR points. Cards that can pool points include: - Chase Freedom Unlimited - Chase Freedom Flex - Chase Sapphire Preferred - Chase Sapphire Reserve - Chase Ink Business Preferred - Chase Ink Business Unlimited - Chase Ink Business Cash (still earns Ultimate Rewards points) 2. 5/24 Rule You must be below 5/24 to get this card, but…it will not increase your 5/24 count if you get approved Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #businesscredit #chaseinkpreferred 2021-05-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343429/amex-business-platinum-card-review-2021 https://gamma.videonest.org/343429_thumbnail_resized_v2.webp https://gamma.videonest.org/343429_video_v3.mp4 AMEX BUSINESS PLATINUM CARD REVIEW 2021! Learn all about the American Express Business Platinum Card’s benefits, rewards and more with this in-depth review! This is a great card for business owners who travel frequently. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull MAX REWARDS - MANAGE credit cards & rewards balances in 1 app so you can stay in control of your finances! - VIEW credit scores, utilization & more on a single dashboard to stay on top of your credit health! - GET notifications when your score changes or when a bill is due so you can build positive payment history! - ACTIVATE card offers & spend categories automatically in order to earn more rewards! (Gold level) - IDENTIFY the best card to use in every situation so you never have to think about which card to use! - MUCH MORE! - See promo code above for FREE GOLD! Note: Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. WELCOME BONUS (as of May 2021) Earn 100,000 points after you spend $15K on eligible purchases in the first 3 months. The approximate value of this bonus is $600 - $2,000 on average. ANNUAL FEE = $595 Rates & Fees: https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/business-platinum-charge-card/57460-9-0?key=tncBody&rwdFlag=rwd POINTS – Earn Membership Rewards Points - 5X Flights: Booked via AmexTravel.com - 5X Hotels: Prepaid via AmexTravel.com - 1.5X on Purchases of $5K or more: Up to 1 million additional points per calendar year - 1X Other Purchases POINTS – Redeem Membership Rewards Points - Travel (Transfer Partners): 2.0¢ per point, avg. - Travel (Portal): 0.7¢ for hotels, car rentals, cruises, vacations | 1.0¢ for other flights | 1.54¢ for flights in 1st Class or Business Class on any airline, or any fare class with your preselected airline - Cash Back (Statement Credit): 0.6¢ per point AMEX BUSINESS PLATINUM CARD BENEFITS - Annual Dell Technologies Credit ($200): $100 Jan – Jun. | $100 Jul. – Dec. - Airline Fee Credit ($200/yr.): 1 airline | Incidental charges - 35% Airline Bonus: Pay with points | Get 35% back | Up to 500,000 points back per calendar year | Valid for 1st Class & Business Class tickets with any airline through AmexTravel.com, and any fare class with your selected airline - Global Entry / TSA Pre✓ (Up to $100): Cover application fee | Every 4.5 years - Global Lounge Collection: Centurion Lounge, Delta SkyClub, Priority Pass, Escape Lounge, and more! - International Airline Program: Lower fares | Up to 8 tickets / booking - The Hotel Collection: $100 property credit | Room upgrade | Valid on stays of 2+ consecutive nights - Fine Hotels & Resorts Program: Experience credit | Room upgrade | Daily breakfast for 2 | Early check-in (12PM) | Late check-out (4PM) | Free Wi-Fi - Elite Status: Marriott Bonvoy Gold | Hilton Honors Gold | National Car Rental Emerald Club | Others… - No Foreign Transaction Fees Note: Terms apply to above benefits. Some require activation. AMERICAN EXPRESS GLOBAL LOUNGE COLLECTION - The Centurion Lounge - The International American Express Lounges - Priority Pass lounges - Escape Lounges - Delta Sky Club - Plaza Premium Lounges - Air Space lounges - Lufthansa Business & Senator Lounges INSURANCE & PROTECTIONS - Car Rental Loss & Damage Insurance - Trip Delay Insurance - Trip Interruption & Cancellation Insurance - Baggage Insurance Plan (lost / damaged / stolen) - Delayed Baggage Insurance - Purchase Protection - Return Protection - Extended Warranty - Cell Phone Protection - Premium Global Assist Hotline SHOULD YOU GET IT? YES if you… - Are a business owner - Travel frequently - Book flights + hotels via AmexTravel.com - Value 35% Airline Bonus - Spend at dell.com/amex - Will use $200 Airline Fee Credit - Value VIP travel experiences (elite status, lounges, upgrades, etc.) - Prefer travel rewards over cash back NO if you… - Don’t travel multiple times per year - Book travel in any other way than AmexTravel.com - Don’t care about VIP travel experiences - Don’t spend at dell.com/amex - Prefer cash back over travel rewards - Don’t like high-annual-fee cards Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #businesscreditcards #americanexpress 2021-05-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343430/maxrewards-app-review-how-to-manage-credit-cards-and-rewards-easily https://gamma.videonest.org/343430_thumbnail_resized_v2.webp https://gamma.videonest.org/343430_video_v3.mp4 MAXREWARDS App Review! How to manage credit cards & rewards easily! Looking for a way to manage multiple credit cards and rewards all in one place? The MaxRewards app is worth considering; learn about it in this full review! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🔺POINT CARD - Debit Card With Rewards! Download the Point - Debit Card app & get a bonus with PROMO CODE = MARKREESE http://pointcard.markscreditcards.com SIGN-UP OFFER 1. Sign up for MaxRewards using REFERRAL CODE: markr31 2. Connect your 1st card 3. Receive 1 month of free Gold level membership! INTRO MaxRewards is the smarter digital wallet and can be summarized in 3 main categories: Digital Wallet: Manage all of your credit cards and credit scores in one app. Digital Assistant: Activate bonus categories and card-linked offers in your sleep. Digital Advisor: Maximize credit card rewards & benefits with personalized advice. Whether you’re using credit cards from Chase, Citibank, American Express, Discover, Capital One, or many other banks, this app will help you manage them all! WALLET Dashboard of your card balances and rewards. View your rewards balance, credit utilization, cards balance, available credit, bills due, bonus trackers, the credit cards themselves, and your credit scores. This works with American Express Membership Rewards points, Chase Ultimate Rewards points, Citi ThankYou points, U.S. Bank Altitude points, Capital One Venture miles, Discover it cash back, Wells Fargo GoFar Rewards points, cash back credit cards, and MUCH MORE! ACTIVITY View all the transactions you’ve made across all cards, including spend summaries organized by category. BEST CARD Identify the best credit card to use at specific merchants and for broad spend categories like travel, dining, grocery, gas, etc. DEALS Available with MaxRewards Gold. Gives you access to additional features like: - Auto-activation of quarterly bonus categories - Auto-activation of card offers - Consolidation of deals and redemptions - Card offers factored into the Best Card recommendations - Notifications for new and expiring deals - Spend and reward limit tracker - Icon customization - Priority support PROFILE Manage your account, notifications, referrals, and more! - The Notifications section shows you alerts for when a credit card statement / bill is ready or due, when a bill has been process, when there’s been a credit score change, and more! - The Referral Page will automatically generate a webpage with all your card referral links (for banks that offer a referral program). Then send your link to others so you can both be rewarded when they sign up for a card and get approved! ACCOUNTS & CARDS Add a card, add an account, adjust card priority, and adjust point valuations. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #howtomanagecreditcards #creditcardrewards 2021-05-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343431/coming-soon-build-your-own-credit-card-benjamin-credit-card-launching-in-2021 https://gamma.videonest.org/343431_thumbnail_resized_v2.webp https://gamma.videonest.org/343431_video_v3.mp4 *COMING SOON?!* BUILD YOUR OWN CREDIT CARD! Benjamin Credit Card launching in 2021? Ever wanted to build your own credit card? Soon enough, you may be able to! The Benjamin Credit Card could allow you choose your own rewards, interest rate, payment schedule, benefits, and more! Click “Show More” to see Ad Disclosure. 💥📝 JOIN THE BENJAMIN CREDIT CARD WAITLIST! https://benjamin.finance/waitlist/join?referral=aigknnb42 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🔺POINT CARD - Debit Card With Rewards! Download the Point - Debit Card app & get a bonus with PROMO CODE = MARKREESE http://pointcard.markscreditcards.com BACKGROUND Benjamin Finance is a new fintech company that may launch a new card called the Benjamin Credit Card. It allows you to build your own card by choosing your own rewards structure, benefits, APR, annual fee, payment schedule and more! PICK A METAL You’ll begin by picking the metal credit card design that you like most. Options include: - Aluminum: 0.4 ounces - Copper: 0.6 ounces - Silver: 0.7 ounces - Rose Gold: 0.8 ounces - Gold: 0.9 ounces - Platinum: 1.1 ounces THEIR CLAIMS - Personalized experience - High credit limits - Advanced technology - World-class support CHOOSE YOUR OWN REWARD CATEGORY 1. MASTERCARD a. Rewards - 2X Dining - 2X Subscriptions - 1X Gyms - 1X Insurance b. Benefits = $50 c. Annual Fee = $0 2. WORLD MASTERCARD a. Rewards - 3X Dining - 3X Subscriptions - 2X Gyms - 2X Insurance - 2X Travel - 1X Everything Else b. Benefits = $345 c. Annual Fee = $149 3. MASTERCARD WORLD ELITE a. Rewards - 4X Dining - 4X Subscriptions - 3X Gyms - 3X Insurance - 3X Travel - 1X Everything Else b. Benefits = $366 c. Annual Fee = $249 CUSTOM PERKS & FEATURES 1. Invest your points, up to 4% APY 2. Insurance Programs 3. Travel upgrades, including lounge access, car rental insurance, membership hotel rates, and more! CHOOSE YOUR TERMS & APR WITH FLEXIBLE BILLING 1. Monthly Billing, APR = 17% - 24% 2. Bi-Weekly Billing, APR = 12% - 17% 3. Every Week Billing, APR = 7% - 12% ADDITIONAL BENEFITS - No hard credit pull for eligibility (i.e. prequalify)* - Credit card limits up to $25,000 - Behaviorally intelligent - Go carbon neutral * No Hard Credit Pull for Eligibility: We conduct a soft credit inquiry to examine credit worthiness for determining eligibility for the Benjamin Credit Card. We conduct a hard credit inquiry if you elect to apply for the card. Benjamin uses credit history, as well as cash management, and other factors to determine credit worthiness. BENJAMIN CARD & APP - Bill split - Subscription control - Card lock - Apple Pay - Synch unlimited accounts - Student loan management - Net worth management - Credit report monitoring FAQs https://www.benjamin.finance/faq/home Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #fintech #benjamincreditcard 2021-05-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343432/best-debit-card-with-rewards-point-card-review-2021 https://gamma.videonest.org/343432_thumbnail_resized_v2.webp https://gamma.videonest.org/343432_video_v3.mp4 BEST DEBIT CARD WITH REWARDS?! Point Card Review 2021! The Point Card is a new kind of debit card with rewards, insurance protections, and MORE! Let’s go over the details of the first debit card that I’m VERY excited about! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🔺POINT CARD - Debit Card With Rewards! Download the Point - Debit Card app & get a bonus with PROMO CODE = MARKREESE http://pointcard.markscreditcards.com PUBLIC WELCOME BONUS (May 2021) Earn 500 points (worth $5) when you complete the following activities: - 100 points when you complete app onboarding - 200 points when you connect an existing bank & make your first transfer of at least $100 into your Point account - 200 points when you complete your first physical or virtual Point Card debit transaction SPECIAL LIMITED-TIME WELCOME BONUS (Valid until 6/15/2021) Earn 10,000 points instantly redeemable for $100 in cash-back after you sign up for Point using promo code MARKREESE and complete your first rewarded transaction before June 15, 2021. ** PROMO CODE = MARKREESE ** ANNUAL FEE = $49 4 EDITIONS OF THE POINT CARD - Runway Yellow - Dam Orange - Boulder Blush - Copper Canyon EARN POINTS - 5X Subscriptions Valid on: Netflix, Hulu, HBO Max, YouTube Premium, Spotify, Pandora, Feather, and Headspace - 3X Food Delivery Valid on: DoorDash, Uber Eats, Postmates, Caviar, GrubHub, Seamless, Instacart, Good Eggs - 3X Rideshare Valid on: Uber, Lyft, and Lime - 3X+ Access Partners See Access tab in app to earn elevated bonus points at select merchants that change over time and may include: Costco, Trader Joe’s, Whole Foods, lululemon, Target, Uber Eats, Best Buy, Amazon, Chipotle, Instacart, coffee shops, and more! - 1X Other Purchases NOTE: There is no limit to how many points you can earn & points do not expire. REDEEM POINTS - Redeem points for cash back - 1 point = 1¢ ($0.01) - Cash back instantly added to your account to be instantly redeemed POINT CARD BENEFITS - Virtual Point Card Number: Keep your physical card number safe. - 2 Free ATM Withdrawals Per Month: Withdraw from any ATM regardless of network globally. Fees reimbursed for up to 2 withdrawals per month up to a maximum of $8, credited to your account in equivalent points value. - Unlimited Quick Bank Transfers: Incoming bank transfers typically arrive within 1-3 business days (M-F excluding public holidays) when initiated inside the Point App. - No International Travel Fees: Covers foreign merchant transaction fees at Mastercard locations outside the United States. - Access Partner Offers & Discounts: Bonus points & discounts with up-and-coming brands. HOW TO FUND POINT CARD ACCOUNT 1. Go to CASH tab (menu, bottom) 2. Select ADD CASH (yellow button, top) 3. Select preferred method: - Bank Transfer: IN from a bank or OUT to a bank - Auto Transfer: Same as Bank Transfer but automatically on a schedule - Direct Deposit: Deposit paycheck directly into Point account - Payment App: Venmo, Cash App, Apple Cash INSURANCE & PROTECTIONS - Phone Insurance - New Purchase Insurance - Zero Liability Coverage - Deposit Insurance - Trip Cancellation Insurance - Car Rental Insurance - Global Travel Assistance SHOULD YOU GET IT? YES if you… - Spend on streaming, food delivery, rideshare, or Access Partners - Prefer cash back over travel rewards - Prefer debit cards over credit cards - Prefer a cash-based lifestyle over credit - Want to better control your spending - Value phone protection & other insurances - Want to compliment your credit cards with a debit card offering strong rewards - Don’t have a traditional checking / savings account NO if you… - Don’t spend on available categories or Access Partners - Prefer travel rewards over cash back - Have a credit card with overlapping rewards / protections GOOD TO KNOW - Apply inside the Point App; begin using instantly - No credit check required - No cap to how many points you can earn - Contactless card / Mobile wallet friendly - Banking services offered by Radius Bank, member FDIC - Fund Transfer Limits: see video Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #debitcards #pointcard #bestdebitcard 2021-05-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343433/us-bank-cash-plus-credit-card-unboxing-or-how-to-activate-us-bank-cash-categories-and-merchants https://gamma.videonest.org/343433_thumbnail_resized_v2.webp https://gamma.videonest.org/343433_video_v3.mp4 U.S. Bank Cash Plus Credit Card UNBOXING! | How to Activate U.S. Bank Cash+ Categories & Merchants I applied for the U.S. Bank Cash+ Visa Signature Card and received it in the mail! Are you ready for an unboxing of one of the best cash back credit cards? I am; let’s go! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO 1: WATCH ME APPLY! U.S. Bank Cash+ Plus: https://youtu.be/Kl9yDVAXzlU 🎬 VIDEO 2: FULL REVIEW - U.S. Bank Cash Plus Card: https://youtu.be/n18rkWyscSw NOTE: While this isn’t a U.S. Bank Cash+ Visa Signature card review video, I will put some of the main benefits below. ALSO…I included step-by-step instructions on how to activate the U.S. Bank Cash Plus categories so you can earn 5% and 2% cash back each quarter! WELCOME BONUS (May 2021) Earn $150 cash back when you spend $500 in the first 90 days of card membership. Plus receive a 0% APR period on balance transfer for the first 12 months, then a 13.99% - 23.99% variable APR after that. ANNUAL FEE = $0 EARN CASH BACK - 5% Choice Categories: Choose 2 Choice Categories | Up to $2,000 in combined spend each quarter | Enroll each quarter - 2% Everyday Category: Choose 1 Everyday Category | No limit / cap - 1% Other Purchases U.S. BANK CASH PLUS CATEGORIES / U.S. BANK CASH+ MERCHANTS (as of May 2021) 5% CHOICE CATEGORIES (Choose 2) - TV, Internet & Streaming Services - Home Utilities - Ground Transportation - Select Clothing Stores - Cell Phone Providers - Electronic Stores - Gyms / Fitness Centers - Fast Food - Sporting Goods Stores - Department Stores - Furniture Stores - Movie Theaters 2% EVERYDAY CATEGORIES (Choose 1) - Gas Stations - Restaurants - Grocery Stores HOW TO SELECT YOUR 5% AND 2% CATEGORIES 1. Go to: https://cashplus.usbank.com. Log in with your 5-digit zip code, last 4 digits of your card number, and your last name. 2. On the next screen, choose whether you’d like to opt in for email and/or text reminder notifications each quarter. Then click on the Choose Categories button. 3. Select 2 categories to earn 5% and 1 category to earn 2% on the screen that follows. You can also use the ‘Estimate cash back’ calculator to see how much cash back you could earn in a year. Then tap on the ‘Activate categories’ button. 4. You’ll then see a confirmation pop-up window. Again, you’ll have the opportunity to opt in to receive reminder notifications via email and/or text to activate your choice categories each quarter. 5. On the last screen you’ll see a final confirmation that your categories for the quarter have been activated. You can either Sign Out or view the other tabs at the top, which are as follows: My Cash Back, Merchants, FAQs, and Reminders. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #usbank #cashback 2021-05-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343434/watch-me-apply-us-bank-cash-plus-credit-card-application-us-bank-cash-visa-signature https://gamma.videonest.org/343434_thumbnail_resized_v2.webp https://gamma.videonest.org/343434_video_v3.mp4 *WATCH ME APPLY* U.S. Bank Cash Plus credit card application (U.S. Bank Cash+ Visa Signature) After months of thinking about this credit card, the time is NOW to apply for the U.S. Bank Cash+ Visa Signature! Watch me submit the application! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO: U.S. Bank Cash Plus card review: https://youtu.be/n18rkWyscSw MINI REVIEW: U.S. BANK CASH PLUS CARD WELCOME BONUS (Apr. 2021) Earn $150 cash back when you spend $500 in the first 90 days of card membership. Plus receive a 0% APR period on balance transfer for the first 12 months, then a 13.99% - 23.99% variable APR after that. ANNUAL FEE = $0 EARN CASH BACK - 5% Choice Categories: Choose 2 Choice Categories | Up to $2,000 in combined spend each quarter | Enroll each quarter - 2% Everyday Category: Choose 1 Everyday Category | No limit / cap - 1% Other Purchases REDEEM CASH BACK - Statement Credit: Min. redemption requirement = $25.00 starting June 01, 2021 - Deposit to U.S. Bank Checking, Savings, or Money Market Account: Min. redemption requirement = $25.00 starting June 01, 2021 - U.S. Bank Visa Rewards Card: Min. redemption requirement = $25.00 - Real-Time Rewards: Min. redemption requirement = $10.00 MY CREDIT REPORT BEFORE APPLYING SCORES - Experian: 785 - TransUnion: 810 - Equifax: 822 INQUIRIES Experian: 15 - TransUnion: 4 - Equifax: 1 NEW ACCOUNTS - In the past 12 months: 2 - In the past 24 months: 7 AVERAGE AGE OF ACCOUNTS / AVERAGE LENGTH OF CREDIT HISTORY - 3 years, 6 months PRIOR RELATIONSHIP I had the following accounts with U.S. Bank prior to applying: - Personal checking account - Personal savings account - Personal credit card (U.S. Bank Altitude Reserve) - Business credit card (U.S. Bank Business Leverage) MY CREDIT REPORT AFTER APPLYING - My Experian credit score dropped 4 points, from 785 to 781 - My Inquiry count increased from 15 to 16 on Experian - My credit scores & inquiry counts on the other bureau reports remained the same as U.S. Bank only pulled Experian for this credit card application. - There were no changes to my New Accounts status or Average Age of Accounts status. Those will only be affected once the new U.S. Bank Cash+ card gets reported, likely several weeks later. WHY I CHOSE THIS CARD 1. 5% CASH BACK ON UNIQUE CHOICE CATEGORIES Earn a high % cash back in categories that my other cards don’t cover: Gyms/Fitness Centers + Home Utilities 2. WELCOME BONUS $150 cash back with $500 spend requirement = 30% return 3. NO ANNUAL FEE Every dollar earned = pure profit! 4. LONG-TERM KEEPER CARD 5% rewards with $0 cost = WINNER Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcardapplication #usbank #cashbackcreditcard 2021-05-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343435/credit-cards-101-does-closing-a-credit-card-hurt-your-credit-score https://gamma.videonest.org/343435_thumbnail_resized_v2.webp https://gamma.videonest.org/343435_video_v3_converted.mp4 CREDIT CARDS 101: Does closing a credit card hurt your credit score? Is closing a credit card bad? Does canceling a credit card hurt your credit score? The answer is revealed in this video! PLUS tips on what to do based on your situation! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull QUESTION Does closing a credit card hurt your credit score? ANSWER Yes, it can. But depending on your situation, it may not matter. CREDIT SCORE BASICS | CREDIT SCORE EXPLAINED To remember the primary credit score factors, simply memorize PHURLEMINA. PH = Payment History | 35% of your credit score UR = Utilization Ratio | 30% of your credit score LE = Length of Credit History (aka Average Age of Accounts) | 15% of your credit score MI = Mix of Accounts | 10% of your credit score NA = New Accounts | 10% of your credit score WHEN YOU CANCEL A CREDIT CARD… a. Payment History is LOST … lowers score b. Utilization Ratio INCREASES … lowers score c. Length of Credit History DECREASES … lowers your score d. Mix of Accounts MAY CHANGE … but little to no effect on credit score e. New Accounts … NO EFFECT BUT… Nothing will actually happen for 7-10 years. HERE’S WHY… - Closed accounts in GOOD STANDING remain on your credit report for 10 years and will continue to help your credit score during that time. - Close accounts in BAD STANDING remain on your credit report for 7 years and will continue to hurt your credit score during that time. SO EVEN IF… You close a credit card today… It won’t have any effect today. But it may have an effect several years from now. HOWEVER… Closing a credit card DOES NOT affect everyone the same way. 3 SCENARIOS… Scenario 1: You have less than 2 years of credit history and have a small amount of credit compared to how much you spend. EFFECT: Canceling a card may hurt you the most. Scenario 2: You have 2-4 years of credit history and have a moderate amount of credit compared to how much you spend. EFFECT: Canceling a card may hurt you a little. Scenario 3: You have 5+ years of credit history and have a large amount of credit compared to how much you spend. EFFECT: Canceling a card will likely have no effect. WHEN CANCELING MAKES SENSE 1. Your card has an annual fee, and you don’t want to pay it. 2. You’re in a difficult financial situation and need to carry a balance for a period of time, but the interest rate is high. 3. You’re consistently overspending. 4. You have too many cards & it’s stressful to manage them. WHEN KEEPING IT OPEN MAKES SENSE 1. It's the oldest account on your credit report. 2. It has a large credit limit. 3. You only have 1-3 cards total, so closing one could have an outsized effect on your credit report. 4. You no longer use it for spending, but value the benefits. ALTERNATIVES TO CANCELING 1. If the card has an annual fee, ask the bank for a retention offer or to waive the fee entirely for the next year. 2. Consider a product change by asking the bank to switch your card to another card product. This usually keeps your account open & all other factors intact, but you’ll have a different card to use going forward. 3. Simply keep it open & use it about once every 6 months to keep it active (otherwise the bank may close the account due to inactivity). MY RECOMMENDATION - Keep EVERY CARD open for at least 1 year. Why…? Because banks could take back the welcome bonus or freeze / close your account if they believe you’re gaming the system. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditscore #creditcards101 #creditcardsforbeginners 2021-04-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343436/amex-platinum-vs-chase-sapphire-reserve-2021-best-travel-credit-cards https://gamma.videonest.org/343436_thumbnail_resized_v2.webp https://gamma.videonest.org/343436_video_v3.mp4 AMEX PLATINUM vs. CHASE SAPPHIRE RESERVE 2021 (Best Travel Credit Cards) Get ready for a showdown between 2 of the best travel credit cards ever made! The American Express Platinum Card goes head-to-head against the Chase Sapphire Reserve! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SPOILER ALERT: This video contains a metal credit card drop test at the end! :D CARD #1: AMERICAN EXPRESS PLATINUM CARD Welcome Bonus (Mid April 2021) Earn 100K Membership Rewards points after spending $5K in the first 6 months. PLUS 10X points at U.S. gas stations & U.S. supermarkets on up to $15K in combined purchases for the first 6 months. Value of 100K = $600 - $2,000 (avg.). The 100K offer may be targeted. Annual Fee = $550 Redeem Points - 5X Flights: Booked directly w/ airlines or AmexTravel.com - 5X Hotels: Prepaid via AmexTravel.com - 1X Other Purchases Redeem Points - Travel (Transfer Partners): 2.0¢ (avg.) - Travel (Portal): 0.7¢ hotels, car rentals, cruises & vacations | 1.0¢ flights - Cash Back (Statement Credit): 0.6¢ Transfer Partners - See video. Benefits - PayPal Credit (Up to $180): Exp. 6/30/2021 - Uber Rides with Platinum ($200) - Airline Fee Credit ($200) - Global Entry / TSA Pre - Shop Saks with Platinum ($100/yr.) - Global Lounge Collection - International Airline Program - The Hotel Collection - Fine Hotels & Resorts Program - Elite Status - No FTFs CARD #2: CHASE SAPPHIRE RESERVE Welcome Bonus (Mid April 2021) Earn 60K Ultimate Rewards points after spending $4K in the first 3 months. Value = $600 - $1,200+ (avg.) Annual Fee = $550 Earn Points - 3X Travel - 3X Dining - 3X Grocery Stores: Up to $1K spend / mo. | Exp. 4/30/2021 - 1X Other Purchases Redeem Points - Travel (Transfer Partners): 2.0¢, avg. - Travel (Portal): 1.5¢ - Pay Yourself Back: 1.5¢ - Cash Back (Statement Credit): 1.0¢ Chase Transfer Partners - See video. Benefits - Travel Credit: $300 per year for travel purchases. (Gas station & grocery store purchases also count thru 12/31/2021) - TSA Precheck or Global Entry Credit - Priority Pass - Luxury Hotel & Resorts Collection - DashPass for 1 year, PLUS $60 statement credits thru 12/31/2021 - Lyft: 10X points + Lyft Pink - Peloton ($120) - No FTFs WHICH IS BEST? The AMEX PLATINUM CARD is best for … - Earning points on flights & hotels - Redeeming for international flights using transfer partners - VIP perks & elite status The CHASE SAPPHIRE RESERVE is best for… - Earning points on ALL travel - Redeeming points for ANY type of travel OR cash back - Strongest overall rewards value with easy-to-use points WHICH CREDIT CARD SHOULD YOU GET? Get the AMEX PLATINUM CARD if you… - Travel frequently - Fly international and/or with Delta Airlines - Pay for flights directly w/ airlines (i.e. NOT via 3rd parties) - Value lounge access & elevated experiences more than earning a lot of points quickly - Spend on: Uber, Saks, air incidentals, etc. - Stay at upscale / luxury hotels (esp. Marriott & Hilton) Get the CHASE SAPPHIRE RESERVE if you… - Travel frequently - Fly domestic (esp. Southwest / United) or international - Pay for any kind of travel in any kind of way (incl. 3rd parties) - Value earning points quickly w/ greater redemption value more than VIP treatment - Spend on: DoorDash, Lyft, Peloton, etc. - Stay at any kind of hotel (esp. Hyatt) AVOID BOTH CARDS if you… - Don’t travel several times per year - Stay at Airbnbs instead of hotels (CSR = possible exception because Airbnb still earns 3X points, but redemptions = 1.0¢ per point instead of 1.5¢ per point) - Prefer cash back cards - Are a budget traveler (CSR = possible exception w/ 1.5¢ per point) - Don’t like cards with high annual fees TRAVEL CREDIT CARDS THAT WORK WELL TOGETHER Group 1 - Amex Platinum Card - Amex Gold Card - Amex Green Card - Amex EveryDay Card - Amex EveryDay Preferred Card Group 2 - Chase Sapphire Reserve - Chase Sapphire Preferred - Chase Freedom Flex - Chase Freedom Unlimited Group 3 - Citi Prestige Card - Citi Premier Card - Citi Rewards Plus - Citi Double Cash credit card A couple other good options are the Capital One Venture card and U.S. Bank Altitude Reserve card, although they don't have rewards programs with points that can be pooled / combined with other cards. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amexplatinum #chasesapphirereserve 2021-04-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343437/united-quest-card-review-best-united-airlines-credit-card https://gamma.videonest.org/343437_thumbnail_resized_v2.webp https://gamma.videonest.org/343437_video_v3.mp4 UNITED QUEST CARD REVIEW! (Best United Airlines Credit Card?) The ALL NEW United Quest credit card has been released! Now that there are 6 United credit cards, it’s time to review the newest addition to the lineup! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (April 2021) Earn up to 100,000 United miles, divided into 2 tiers: - Tier 1: Earn 80,000 United miles after spending $5K in first 3 mo. - Tier 2: Earn 20,000 more United miles after spending $10K total in first 6 mo. - Approximate Value = $1,300 (average) towards flights ANNUAL FEE = $250 EARN UNITED MILES - 3X United Purchases: After earning $125 annual credit - 2X Travel (Including: airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services & tolls) - 2X Restaurants - 2X Select Streaming - 1X Other Purchases REDEEM UNITED MILES - Best redeemed toward flights on United Airlines or other Star Alliance airline partners. Average value of 1 mile = 1.3¢ each. - UNITED QUEST CARD BENEFITS $125 Annual United Purchase Credit Receive up to $125 in statement credits each account anniversary year for United purchases. - Two 5,000-mile Award Flight Credits Get 5,000 miles back after you take a United or United Express-operated flight booked with your miles. Up to 2x / Cardmember anniversary year. - Free 1st & 2nd Checked Bags Primary Cardmember + 1 companion on the same reservation will each receive their 1st and 2nd checked bag free, up to $320 per roundtrip. - Priority Boarding The primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding. - 25% Back On United Inflight Purchases 25% back on purchases of food, beverages and Wi-Fi on board United-operated flights. - TSA PreCheck / Global Entry Credit Receive a credit of up to $100 every 4 years towards the application fee of either program. - No Blackout Dates Expanded award availability. - Reward Seat Upgrades Complimentary space-available upgrades if you’re flying via award ticket & have elite status. - Visa Luxury Hotel & Resort Collection Special VIP treatment at select hotels & resorts. - No Foreign Transaction Fees INSURANCE & PROTECTIONS - Trip cancellation / interruption insurance - Baggage delay insurance - Lost luggage reimbursement - Visa Concierge - Trip delay reimbursement - Auto rental collision damage waiver (primary coverage) - Purchase protection - Extended warranty protection GOOD TO KNOW - Subject to Chase 5/24 Rule - This product is available to you if: You do not have any United Quest card AND you have not received a new Cardmember bonus for any United Quest card in the past 24 months. SHOULD YOU GET IT? YES if you… - Fly United frequently - Value elite-like perks on United flights - Want a big welcome bonus for miles towards a United / Star Alliance flight NO if you… - Are over the Chase 5/24 rule - Don’t fly United / Star Alliance every year - Want flexible points for any kind of travel - Prefer cash back over travel rewards - Want to earn United miles long term HOW IT COMPARES To recap, the United Quest Card earns miles at the following rates: - 3X United - 2X Travel - 2X Restaurants - 2X Select Streaming - 1X Other Purchases But the Chase Sapphire Reserve earns Chase Ultimate Rewards points that can be transferred 1:1 into United miles at the following rates: - 3X Travel (incl. United) - 3X Grocery Stores (temporary thru 4/30/2021, unless changed or extended) - 3X Dining - 1X Other Purchases For this reason… The Chase Sapphire Reserve card is a better option if your goal is solely to earn as many United miles as possible. FULL UNITED CREDIT CARD LINEUP (as of April 2021) - United Gateway Credit Card ($0) - United Explorer Card ($95, waived the 1st year) - United Quest Card ($250) - United Club Infinite Card ($525) - United Business Card ($99, waived the 1st year) - United Club Business Card ($450) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #airlinecreditcards #travelcreditcards 2021-04-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343438/us-bank-cash-plus-credit-card-review-us-bank-cash-visa-signature-card https://gamma.videonest.org/343438_thumbnail_resized_v2.webp https://gamma.videonest.org/343438_video_v3.mp4 U.S. Bank Cash Plus Credit Card Review! (U.S. Bank Cash+ Visa Signature Card) The U.S. Bank Cash+ Visa Signature Card puts YOU in control of your rewards! Choose how you’d like to earn 5% and 2% cash back, then watch the rewards stack up! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (Apr. 2021) Earn $150 cash back when you spend $500 in the first 90 days of card membership. Plus receive a 0% APR period on balance transfer for the first 12 months, then a 13.99% - 23.99% variable APR after that. ANNUAL FEE = $0 EARN CASH BACK - 5% Choice Categories: Choose 2 Choice Categories | Up to $2,000 in combined spend each quarter | Enroll each quarter - 2% Everyday Category: Choose 1 Everyday Category | No limit / cap - 1% Other Purchases U.S. BANK CASH PLUS CATEGORIES / U.S. BANK CASH+ MERCHANTS 5% CHOICE CATEGORIES (Choose 2) - TV, Internet & Streaming Services - Home Utilities - Ground Transportation - Select Clothing Stores - Cell Phone Providers - Electronic Stores - Gyms / Fitness Centers - Fast Food - Sporting Goods Stores - Department Stores - Furniture Stores - Movie Theaters 2% EVERYDAY CATEGORIES (Choose 1) - Gas Stations - Restaurants - Grocery Stores 👉 TO CHOOSE YOUR 5% + 2% CATEGORIES, go to https://cashplus.usbank.com CLARIFICATIONS - The 5% Select Clothing Stores category is only valid at: Aeropostale, American Eagle Outfitters, Ann Taylor, Banana Republic, Eddie Bauer, Express, Forever 21, GAP, J.Crew, Jos A Bank, Old Navy, Talbots and The Limited. - The 5% Department Stores category does not include discount stores (like Walmart & Target) or wholesale clubs (like Costco). - The 5% Fast Food category and the 2% Dining category are different. REDEEM CASH BACK - Statement Credit: Min. redemption requirement = $25.00 starting June 01, 2021 - Deposit to U.S. Bank Checking, Savings, or Money Market Account: Min. redemption requirement = $25.00 starting June 01, 2021 - U.S. Bank Visa Rewards Card: Min. redemption requirement = $25.00 - Real-Time Rewards: Min. redemption requirement = $10.00 U.S. BANK CASH+ BENEFITS - Visa Signature Concierge - Visa Signature Luxury Hotel Collection: Special benefits & select hotels around the world when you book through the designated portal, including: - Best available rate guarantee (temporarily unavailable) - Automatic room upgrade when available - -Complimentary Wi-Fi when available Complimentary breakfast for 2 - $25 USD food or beverage credit - VIP Guest status - Late check-out upon request when available INSURANCE & PROTECTIONS - Zero Fraud Liability - Auto Rental Collision Damage Waiver (CDW) - Travel & Emergency Assistance Services - Roadside Dispatch Services - Extended Warranty Protection - Warranty Manager Service - Purchase security GOOD TO KNOW - Cash rewards will expire at the end of the calendar month, 36 months after the billing cycle in which they were earned. - U.S. Bank tends to be sensitive to recent inquiries & newly opened accounts. Recommended to avoid applying for other cards for about 6+ months. - This card has foreign transaction fees - 2% of each foreign purchase or foreign ATM advance in U.S. Dollars - 3% of each foreign purchase or foreign ATM advance in a Foreign Currency SHOULD YOU GET IT? YES if you… - Prefer cash back over travel rewards - Want a card with no annual fee - Want customizable rewards categories NO if you… - Prefer travel rewards over cash back - Don’t want a card that requires maintenance (i.e. activating categories every quarter & keeping track of caps/limits - Are applying for your 1st credit card OTHER CASH BACK CREDIT CARDS TO CONSIDER - Chase Freedom Flex - Chase Freedom Unlimited - Citi Double Cash credit card - American Express Blue Cash Everyday - American Express Blue Cash Preferred - U.S. Bank Altitude Go - Bank of America Cash Rewards card - Capital One Savor card - Capital One SavorOne card - Capital One Quicksilver card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #usbank #cashback 2021-04-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343439/costco-anywhere-visa-review-costco-credit-card-rewards-and-benefits https://gamma.videonest.org/343439_thumbnail_resized_v2.webp https://gamma.videonest.org/343439_video_v3.mp4 Costco Anywhere Visa REVIEW! (Costco Credit Card Rewards & Benefits) Is the Costco Anywhere Visa card the BEST credit card for Costco purchases – and should you get it? I’ll reveal the answer in this in-depth review! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (April 2021) - None ANNUAL FEE = $0* *Costco memberships cost $60 - $120 per year EARNING CASH BACK - 4% Gas: Costco gas stations | Non-Costco gas stations| Worldwide | Up to $7K spend per year, then 1% - 3% Restaurants - 3% Travel - 2% Costco: In store | Online - 1% Other Purchases REDEEMING CASH BACK - How To Redeem Costco Rewards 2 Main Methods: - Merchandise - Cash: Including physical cash, check, or electronic transfer - Note: Both options must be completed in a single transaction at a U.S. Costco warehouse location (incl. Puerto Rico). Costco Reward Certificate - Cash back will be awarded 1x per year in the form of a certificate - Certificate becomes available once your February billing statement closes - Certificate is valid through December 31 of each year How You’ll Receive Your Certificate - If enrolled in Paperless Statements: Issued via email - If NOT enrolled in Paperless Statements: Issued on last page of your Feb. paper statement FAQ Q1: Do I need to print the certificate to redeem in store? A: No. You can access it via the Citi mobile app & present it on your mobile device. Q2: What happens if I don’t use the full balance in 1 transaction? A: You’ll receive the remaining balance in cash at checkout. Q3: Does the certificate expire? A: Yes. It expires on Dec. 31st each year. Q4: What if I lose my certificate? A: You can request a replacement certificate via your Citi online account. COSTCO ANYWHERE VISA BENEFITS - Citi Entertainment: Get early / preferred access to thousands of entertainment experiences, like concerts, sporting events, etc. - No Foreign Transaction Fees INSURANCE & PROTECTIONS - Extended Warranty: Extends manufacturer’s warranty by 2 years. - Damage & Theft Purchase Protection: May cover you for repairs or issue a refund if purchases made with your Citi card are damaged or stolen within 120 days of purchase (90 days for New York residents). - Travel & Emergency Assistance Services - Travel Accident Insurance GOOD TO KNOW - Must be a Costco member to apply - If you CANCEL your Costco Membership… - Your Costco Anywhere Visa card will be cancelled. - Cash back rewards that have been issued can still be used through December 31st. - Cash back rewards that have not been issued will be forfeited. UNLOCK BIGGER CASH BACK – BEFORE - 4% Gas - 3% Restaurants - 3% Travel - 2% Costco - 1% Other Purchases UNLOCK BIGGER CASH BACK – AFTER - 4% Gas - 3% Restaurants - 5% Travel - 4% Costco - 1% Other Purchases HOW THIS WORKS… Costco Executive Members earn an extra 2% cash back on the first $50,000 spent per year ($1,000 max in additional rewards) on Costco, Costco.com, and Costco Travel purchases. This extra 2% reward is issued as a separate certificate, but it makes your total annual return even greater. HOW IT COMPARES - Costco Anywhere Visa = 2% cash back at Costco - US Bank Altitude Reserve = 3% mobile wallet (incl. Costco) for cash back redemptions or 4.5% mobile wallet (incl. Costco) for travel redemptions - Costco Anywhere Visa + Costco Executive Membership = 4% total cash back SHOULD YOU GET IT? YES if you… - Shop at Costco frequently - Spend a lot on gas, dining & travel - Prefer cash back over travel rewards - Want extended warranty protection - Are ok with redeeming only 1x per year NO if you… - Don’t shop at Costco - Don’t spend a lot on gas, dining & travel - Prefer travel rewards over cash back - Don’t want to wait a full year to redeem - Don’t want the inconvenience of driving to a warehouse in order to redeem OTHER CASH BACK CREDIT CARDS TO CONSIDER - Amazon Prime Rewards Visa Signature Card - Discover it Cash Back Credit Card - Bank of America Cash Rewards Card - Citi Double Cash credit card - Target RedCard - Sam's Club Credit Card / Sam's Club Mastercard - Chase Freedom Flex - Chase Freedom Unlimited - U.S. Bank Cash+ Visa Signature Card - Capital One Quicksilver - Capital One Savor - Amex Blue Cash Everyday - Amex Blue Cash Preferred - PayPal Cashback Mastercard Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #costco #cashback 2021-04-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343440/amex-business-platinum-card-unboxing-2021 https://gamma.videonest.org/343440_thumbnail_resized_v2.webp https://gamma.videonest.org/343440_video_v3.mp4 Amex Business PLATINUM CARD Unboxing 2021! I got the Amex Business Platinum Card via FedEx overnight shipping! And THAT means it’s time for a metal credit card unboxing video :D Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬VIDEO - Watch Me Apply - Amex Business Platinum Card: https://youtu.be/aGTgAe8hFvY American Express does an AMAZING job at getting their premium credit cards to you FAST! I was approved for the Amex Business Platinum Card in the late morning on 3/30/2021, and it was in my hands by around 2:00 PM on 3/31/2021 :D The quick shipping should also work for the following American Express credit cards: - Amex Platinum Card (personal, business) - Amex Gold Card (personal, business | may be 2-3 days) - Delta SkyMiles Platinum Card (personal, business | may be 2-3 days) - Delta SkyMiles Reserve Card (personal, business) - Hilton Honors Aspire Card - Marriott Bonvoy Brilliant Card - I wonder if the Amex Black Card / Amex Centurion Card is 5-minute shipping? :D That’s GREAT because the clock for the welcome bonus spend requirement begins when you get approved – NOT when you receive the card & activate it (usually 7-10 days later for most credit cards). Inside the box was the following… - Amex Business Platinum Card (a nicely designed metal credit card) :D - Envelope with terms & conditions - ‘Benefit cards’ highlighting a few of the main perks the Card offers METAL CREDIT CARD DROP TEST / METAL CREDIT CARD WEIGHT COMPARISON - Older Business Platinum Card design (plastic): 5g - Newer Business Platinum Card design (metal): 18g - Newer Personal Platinum Card design (metal): 18g AMEX BUSINESS PLATINUM: MINI REVIEW WELCOME BONUS (Late March 2021 | Targeted) Earn 100,000 Membership Rewards points after spending $15,000 in purchases in the first 3 months of Card Membership. PLUS earn 5X points on: U.S. Purchases On Shipping, U.S. Office Supply Stores, U.S. Advertising in Select Media, U.S. Gas Stations, and U.S. Wireless Telephone Services Providers (up to 80,000 bonus points per category). ANNUAL FEE = $595 EARN POINTS - 5X Flights - 5X Prepaid Hotels via AmexTravel.com - 1.5X Purchases of $5K or more - 1X Other Purchases REDEEM AMEX POINTS - Travel (Amex Transfer Partners): 2.0¢ per point, avg. - Travel (Amex Travel Portal): 0.7¢ per point for hotels, car rentals, cruises & vacations | 1.0¢ per point for flights - Cash Back (Statement Credit): 0.6¢ per point 🎬 VIDEO: AMEX POINTS 101 - How To Use Amex Membership Rewards Points https://youtu.be/OAos9ucMPVo AMEX TRANSFER PARTNERS Aer Lingus Aer Club Aeromexico Air Canada Air France KLM Flying Blue Alitalia Millemiglia ANA Mileage Club Asia Miles Avianca Lifemiles British Airways Delta SkyMiles El Al Israel Airlines Emirates Skywards Etihad Guest Hawaiian Airlines Iberia Plus JetBlue TrueBlue Quantas Frequent Flier Singapore Airlines KrisFlyer Virgin Atlantic Choice Privileges Hilton Honors Marriott Bonvoy AMEX BUSINESS PLATINUM BENEFITS -$200 Dell Credit: $100 Jan. - Jun. | $100 Jul. - Dec. - 35% Airline Bonus: Get 35% of your points back when you use Pay With Points for an eligible fare | Up to 500,000 points back per calendar year - Airline Fee Credit ($200/yr.): 1 airline | Incidental charges - Global Entry / TSA Precheck (Up to $100): Every 4.5 years - Global Lounge Collection: Access to many airport lounges worldwide. More info below. - International Airline Program: Lower fares | Up to 8 tickets / booking - The Hotel Collection: $100 property credit | Room upgrade - Fine Hotels & Resorts Program: Experience credit | Room upgrade | Daily breakfast for 2 | Early check-in (12PM) | Late check-out (4PM) | Free Wi-Fi - Elite Status: Marriott Bonvoy Gold | Hilton Honors Gold | National Car Rental Emerald Club | Others… - No Foreign Transaction Fees AMERICAN EXPRESS GLOBAL LOUNGE COLLECTION - The Centurion Lounge - The International American Express Lounges - Priority Pass lounges - Escape Lounges - Delta Sky Club - Plaza Premium Lounges - Air Space lounges EMPLOYEE CARD ANNUAL FEES - Business Platinum Cards: $300 ea. - Business Gold Rewards Cards: $45 ea. - Business Green Rewards Cards: $0 ea. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amexplatinum #businesscreditcard 2021-04-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343441/rumor-amex-platinum-card-dollar695-annual-fee-plus-new-benefits-and-centurion-lounge-changes https://gamma.videonest.org/343441_thumbnail_resized_v2.webp https://gamma.videonest.org/343441_video_v3.mp4 *RUMOR!* Amex Platinum Card $695 ANNUAL FEE?! (PLUS New Benefits & Centurion Lounge Changes!) WOW! The Amex Platinum Card may be getting an annual fee hike to $695, PLUS all-new benefits later in 2021 and some changes to Centurion Lounge guest access. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull RUMOR #1: Amex Platinum Card to eliminate free guest access to Centurion Lounges. Source… https://www.doctorofcredit.com/american-express-will-no-longer-offer-free-guest-access-to-centurion-lounges Summary… 1. Amex Platinum Card guest access to the Centurion Lounge will cost $50 per person per visit 2. WHAT IS AFFECTED - Personal Platinum Card accounts, including authorized user cards - Business Platinum Card accounts, including employee card accounts 3. WHAT’S NOT AFFECTED - Corporate Platinum Card accounts - Centurion Card accounts 4. WAIVE $50 fee by spending $75,000+ on Platinum Card. Waiver is effective for: - Remainder of year in which it was earned - Entire year that follows - Thru Jan. 31 of the year after that - EXAMPLE: If you earn Free Guest Access starting 5/01/2023, you’ll maintain that access thru 1/31/2025. Analysis… - Good for solo travelers & to reduce overcrowding. - Bad for traveling with others and/or traveling as a family. Workaround… - $175 authorized user fee covers up to 3 users, all of which get their own Centurion Lounge access. 1 AU = $175 per person | 2 AUs = $87.50 per person | 3 AUs = $58.33 per person RUMOR #2: Amex Platinum Card to receive New Benefits & an Increased Annual Fee Source… https://www.doctorofcredit.com/rumor-american-express-to-increase-personal-platinum-annual-fee - New Annual Fee = $695 - New Benefits… - $300 Equinox credit - $240 entertainment credit | $20 per month towards: magazine/news subscriptions, video streaming services & audio/music streaming services - $200 credit for prepaid hotel bookings - Annual CLEAR membership ($180/yr. value) - $100 Resy credit – temporary TOTAL VALUE = $1,020 ($325 profit after annual fee) IF…Amex maintains the $200 Uber / Uber Eats credit, $200 Airline Fee Credit & $100 Shop Saks With Platinum Credit… THEN…the total value of the Platinum Card would be $1,520 ($825 profit after annual fee) Analysis… - Good for Equinox members & travelers who normally pay for CLEAR and hotels - Bad for non-Equinox members & travelers who stay at Airbnbs and don’t use CLEAR What to do… - If you LIKE the current Platinum Card but do not have it, consider getting it now while it’s still $550. Then reconsider the Card a year later. - If you LIKE the current Platinum Card and already have it, consider downgrading / canceling the card when the new annual fee hits. - If you DON’T LIKE the current or new Platinum Card, simply ignore the hype and focus on other cards Oh and secretly I do hope all this means an Amex Optio Card will be released at some point (or whatever it may be called) :D The gap between a $550 - $695 Amex Platinum Card and a $5,000 Amex Centurion Card is MASSIVE. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amexplatinum #americanexpress 2021-04-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343442/watch-me-apply-amex-business-platinum-card-amex-business-card-application-2021 https://gamma.videonest.org/343442_thumbnail_resized_v2.webp https://gamma.videonest.org/343442_video_v3.mp4 *WATCH ME APPLY* Amex Business Platinum Card! (Amex Business Card Application 2021) When I saw a 100,000 point welcome bonus PLUS 5X points in select categories, I knew I had to apply for the Amex Business Platinum Card! WATCH ME DO IT! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull When it comes to the best business credit cards that offer travel rewards points and benefits, the Amex Business Platinum Card is hard to beat. And when it offers a massive welcome bonus that outweighs the annual fee, it definitely gets my attention :D AMEX BUSINESS PLATINUM: MINI REVIEW WELCOME BONUS (Late March 2021 | Targeted) Earn 100,000 Membership Rewards points after spending $15,000 in purchases in the first 3 months of Card Membership. PLUS earn 5X points on: U.S. Purchases On Shipping, U.S. Office Supply Stores, U.S. Advertising in Select Media, U.S. Gas Stations, and U.S. Wireless Telephone Services Providers (up to 80,000 bonus points per category). ANNUAL FEE = $595 EARN POINTS - 5X Flights - 5X Prepaid Hotels via AmexTravel.com - 1.5X Purchases of $5K or more - 1X Other Purchases REDEEM AMEX POINTS - Travel (Amex Transfer Partners): 2.0¢ per point, avg. - Travel (Amex Travel Portal): 0.7¢ per point for hotels, car rentals, cruises & vacations | 1.0¢ per point for flights - Cash Back (Statement Credit): 0.6¢ per point 🎬 VIDEO: AMEX POINTS 101 - How To Use Amex Membership Rewards Points https://youtu.be/OAos9ucMPVo AMEX TRANSFER PARTNERS Aer Lingus Aer Club Aeromexico Air Canada Air France KLM Flying Blue Alitalia Millemiglia ANA Mileage Club Asia Miles Avianca Lifemiles British Airways Delta SkyMiles El Al Israel Airlines Emirates Skywards Etihad Guest Hawaiian Airlines Iberia Plus JetBlue TrueBlue Quantas Frequent Flier Singapore Airlines KrisFlyer Virgin Atlantic Choice Privileges Hilton Honors Marriott Bonvoy AMEX BUSINESS PLATINUM BENEFITS -$200 Dell Credit: $100 Jan. - Jun. | $100 Jul. - Dec. - 35% Airline Bonus: Get 35% of your points back when you use Pay With Points for an eligible fare | Up to 500,000 points back per calendar year - Airline Fee Credit ($200/yr.): 1 airline | Incidental charges - Global Entry / TSA Precheck (Up to $100): Every 4.5 years - Global Lounge Collection: Access to many airport lounges worldwide. More info below. - International Airline Program: Lower fares | Up to 8 tickets / booking - The Hotel Collection: $100 property credit | Room upgrade - Fine Hotels & Resorts Program: Experience credit | Room upgrade | Daily breakfast for 2 | Early check-in (12PM) | Late check-out (4PM) | Free Wi-Fi - Elite Status: Marriott Bonvoy Gold | Hilton Honors Gold | National Car Rental Emerald Club | Others… - No Foreign Transaction Fees AMERICAN EXPRESS GLOBAL LOUNGE COLLECTION - The Centurion Lounge - The International American Express Lounges - Priority Pass lounges - Escape Lounges - Delta Sky Club - Plaza Premium Lounges - Air Space lounges EMPLOYEE CARD ANNUAL FEES - Business Platinum Cards: $300 ea. - Business Gold Rewards Cards: $45 ea. - Business Green Rewards Cards: $0 ea. MY CREDIT REPORT BEFORE APPLYING SCORES - Experian: 785 - TransUnion: 806 - Equifax: 822 INQUIRIES Experian: 15 - TransUnion: 5 - Equifax: 1 NEW ACCOUNTS - In the past 12 months: 2 - In the past 24 months: 7 AVERAGE AGE OF ACCOUNTS / AVERAGE LENGTH OF CREDIT HISTORY - 3 years, 5 months PRIOR RELATIONSHIP Yes. I had Amex personal & business cards prior to applying. MY CREDIT REPORT AFTER APPLYING - No changes WHY I CHOSE THIS CARD 1. TARGETED, NO-LIFETIME LANGUAGE OFFER (NLT OFFER) Allowed me to get the welcome bonus a second time even though I had the card ~ 4 years ago. 2. WELCOME BONUS 100,000 points + 5X categories = $1,250 - $2,250 value 3. NO NEW INQUIRY Amex usually does soft pulls after you have a relationship with them (i.e. you already have 1 or more Amex Cards). 4. DOESN’T AFFECT CHASE 5/24 RULE Amex Business Cards do not show up on your personal credit report, so adding this card will not increase my 5/24 count. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amexplatinum #businesscreditcard 2021-04-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343443/amex-gold-retention-offer-2021 https://gamma.videonest.org/343443_thumbnail_resized_v2.webp https://gamma.videonest.org/343443_video_v3.mp4 AMEX GOLD RETENTION OFFER 2021! The $250 annual fee for my Amex Gold Card posted! :D So…I contacted American Express to see if they had a retention offer to help me justify paying it. Watch what happened! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull The American Express Gold Card is easily one of the BEST credit cards for dining & supermarket spend, but only if you value travel rewards points (better options exist for cash back). American Express Membership Rewards Points are some of the most valuable travel rewards points you can earn; however, you’ll want to make sure that the $250 annual fee is something you can make sense of based on the amount of rewards you can earn along with the benefits & credits available each year. As much as I love the Amex Gold Card, it’s definitely starting to feel more like a coupon book with all the credits that need to be used with a bunch of restrictions on them. (That’s why I’ve also got my eye on the U.S. Bank Altitude Go card, which also earns 4X points on dining with NO annual fee) :D That said, I decided to contact American Express’ Customer Support and ask for a retention offer to help me justify the annual fee over getting the U.S. Bank card. Ultimately, the rep offered me 30,000 Membership Rewards points with no spend requirement! Since I value those points more than the cost of the $250 annual fee, I agreed to keep the card open for another year and accepted the offer. AMEX GOLD CARD BENEFITS (as of late March 2021) Signup Bonus Offers may vary & may be targeted. You may earn 60,000 – 75,000 Membership Rewards points after spending $4K in the first 6 mo. Value = $360 - $1,200 for the 60K offer (avg.) or $450 - $1,500 for the 75K offer (avg.) Annual Fee = $250 Earn Membership Rewards Points - 4X U.S. Supermarkets: Up to $25,000 spend per year - 4X Restaurants worldwide - 3X Flights - 1X Everything Else Redeem Membership Rewards Points - Travel (Amex Transfer Partners): 2.0¢ value (avg.) - Travel (Amex Travel Portal): 0.7¢ value for hotels car rentals, cruises & vacations | 1.0¢ value for flights - Cash Back (via Statement Credit): 0.6¢ value Amex Gold Card Benefits - Dining Credit ($120/yr.): $10/mo. | Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, Shake Shack - Airline Fee Credit ($100/yr.): 1 airline | Incidentals| Ending 12/31/2021 - Uber Cash Benefit ($120/yr.): $10/mo. | Starting early 2021 - The Hotel Collection: $100 property credit | Room upgrade | 2+ consecutive nights - No Foreign Transaction Fees OTHER TRAVEL CREDIT CARDS TO CONSIDER - Amex Platinum Card: Great to earn travel rewards points with elevated, VIP treatment via airport lounge access, elite status with hotels & rental car companies, and more - Amex Green Card: Great all-around travel, dining & transit card for broad 3X categories and a lower $150 annual fee - Chase Sapphire Reserve: Great to earn Chase Ultimate Rewards points on travel and dining purchases with additional travel benefits - Chase Sapphire Preferred: Great to earn Chase Ultimate Rewards points with a lower annual fee; currently with a HUGE 80K welcome offer! - Citi Prestige Card: Premium travel rewards credit card; great for international airline transfer partners - Citi Premier Card: Great travel credit card that earns Citi ThankYou points on a lot of at-home categories - Capital One Venture Card: Simple-to-use travel rewards card with access to transfer partners - US Bank Altitude Reserve Card: Arguably one of the best credit cards for travel if you spend a lot using mobile wallet payments - Marriott Bonvoy Brilliant Card: Great hotel credit card for Marriott loyalists - Hilton Honors Aspire Card: Great hotel credit card for Hilton loyalists Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amexgoldcard #americanexpress 2021-04-01T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343444/amex-platinum-vs-chase-sapphire-reserve-vs-citi-prestige-vs-us-bank-altitude-reserve-2021 https://gamma.videonest.org/343444_thumbnail_resized_v2.webp https://gamma.videonest.org/343444_video_v3_converted.mp4 AMEX PLATINUM vs. CHASE SAPPHIRE RESERVE vs. CITI PRESTIGE vs. US BANK ALTITUDE RESERVE (2021) Trying to decide between 4 of the best travel credit cards by Amex, Chase, Citi and U.S. Bank? Watch this video for a full comparison to help you decide which to get! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CARD #1: AMERICAN EXPRESS PLATINUM CARD SPOILER ALERT: This video contains a metal credit card drop test at the end! :D Welcome Bonus (Late March 2021) Earn 100K Membership Rewards points after spending $5K in the first 6 months. PLUS 10X points at U.S. gas stations & U.S. supermarkets on up to $15K in combined purchases for the first 6 months. Value of 100K = $600 - $2,000 (avg.). The 100K offer may be targeted. Annual Fee = $550 Redeem Points - 5X Flights: Booked directly w/ airlines or AmexTravel.com - 5X Hotels: Prepaid via AmexTravel.com - 1X Other Purchases Redeem Points - Travel (Transfer Partners): 2.0¢ (avg.) - Travel (Portal): 0.7¢ hotels, car rentals, cruises & vacations | 1.0¢ flights - Cash Back (Statement Credit): 0.6¢ Transfer Partners - See video. Benefits - PayPal Credit (Up to $180): Exp. 6/30/2021 - Uber Rides with Platinum ($200) - Airline Fee Credit ($200) - Global Entry / TSA Pre - Shop Saks with Platinum ($100/yr.) - Global Lounge Collection - International Airline Program - The Hotel Collection - Fine Hotels & Resorts Program - Elite Status - No FTFs CARD #2: CHASE SAPPHIRE RESERVE Welcome Bonus (Late March 2021) Earn 60K Ultimate Rewards points after spending $4K in the first 3 months. Value = $600 - $1,200+ (avg.) Annual Fee = $550 Earn Points - 3X Travel - 3X Dining - 3X Grocery Stores: Up to $1K spend / mo. | Exp. 4/30/2021 - 1X Other Purchases Redeem Points - Travel (Transfer Partners): 2.0¢, avg. - Travel (Portal): 1.5¢ - Pay Yourself Back: 1.5¢ - Cash Back (Statement Credit): 1.0¢ Chase Transfer Partners - See video. Benefits - Travel Credit: $300 per year for travel purchases. (Through 6/30/2021, gas station & grocery store purchases also count.) - TSA Precheck or Global Entry Credit - Priority Pass - Luxury Hotel & Resorts Collection - DashPass for 1 year, PLUS $60 statement credits thru 12/31/2021 - Lyft: 10X points + Lyft Pink - Peloton ($120) - No FTFs CARD #3: CITI PRESTIGE CARD Welcome Bonus (Late March 2021) Earn 50K Citi ThankYou points after spending $4K in the first 3 months. Value = $500 - $850 (avg.) Annual Fee = $495 Earn Points - 5X Restaurants - 5X Air Travel - 3X Hotels - 3X Cruise Lines - 1X Other Purchases Redeem Points - Travel (Transfer Partners): 2.0¢, avg. - Travel (Portal): 1.0¢ - Cash Back (Statement Credit): 1.0¢ Citi Transfer Partners - See video. Benefits - $250 Travel Credit | Thru 12/31/2021, also covers supermarket & restaurant purchases - 4th Night Free - Global Entry or TSA Precheck - Priority Pass - Banking Relationship Annual Credit (Qualifying Citigold Account) - Citi Entertainment - No FTFs CARD #4: U.S. BANK ALTITUDE RESERVE Welcome Bonus Earn 50,000 points after spending $4.5K in the first 90 days. Value = $500 - $750. Annual Fee = $400 Earn Points - 5X Hotels: Prepaid via portal - 5X Car Rentals: Prepaid via portal - 3X Travel - 3X Dining: Exp. 6/30/2021 - 3X Mobile Wallet - 1X Other Purchases Redeem Points - Travel (Transfer Partners): N/A - Travel (Portal): 1.5¢ - Cash Back (Statement Credit): 1.0¢ U.S. Bank Altitude Reserve Benefits - Travel & Dining Credit ($325) - TSA Precheck or Global Entry (Up to $100) - Priority Pass: 4 free visits per year - 12 Gogo inflight Wi-Fi passes per year - Silvercar: Save up to 30% - No FTFs WHICH IS BEST? - Amex Platinum Card: Best for lounge access & elite status. Get it if you want VIP treatment. - Chase Sapphire Reserve: Best for rewards flexibility & domestic transfer partners. Get it if your value simple, high-value rewards. - Citi Prestige Card: Best for hotels stays of 4+ nights and heavy dining spend. Get it if you stay at hotels and eat out a lot. - U.S. Bank Altitude Reserve: Best for earning points quickly via mobile wallet and heavy spend on hotels + rental cars. Get it if you use mobile wallets everywhere. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amexplatinum #chasesapphire 2021-03-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343445/bank-of-america-travel-rewards-card-review-travel-credit-card-or-no-annual-fee https://gamma.videonest.org/343445_thumbnail_resized_v2.webp https://gamma.videonest.org/343445_video_v3.mp4 Bank of America TRAVEL REWARDS CARD Review! (Travel Credit Card | No Annual Fee) The Bank of America Travel Rewards Credit Card is NOT designed for everyone. Watch this video to see if it should have a place in your wallet! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (March 2021) Earn 25,000 points after spending $1K in the first 90 days. Plus receive a 0% APR for the first 12 months on new purchases, then a 13.99% - 23.99% variable APR after that. The value of the welcome bonus points is $250 when redeemed for travel or dining. ANNUAL FEE = $0 EARNING POINTS 1.5X All Purchases (standard) With Preferred Rewards… 1.875X All Purchases (with Preferred Rewards Gold) 2.25X All Purchases (with Preferred Rewards Platinum) 2.625X All Purchases (with Preferred Rewards Platinum Honors) Learn More: https://www.bankofamerica.com/preferred-rewards REDEEMING POINTS - Travel: 1.0¢ per point | Min. redemption = 2,500 points - Dining: 1.0¢ per point | Min. redemption = 2.500 points - Gift Cards: Point value varies | Min. redemption = 3,125 points - Cash Back (statement credit): 0.6¢ per point | Min. redemption = 2,500 points BANK OF AMERICA TRAVEL REWARDS CREDIT CARD BENEFITS - Chip + PIN : Added layer of security for compatible payment terminals - Contactless Chip Technology - No Foreign Transaction Fees INSURANCE & PROTECTIONS - Rental car insurance (secondary) - Roadside dispatch - Extended warranty protection - Travel/emergency assistance services NOTE: NOTE: Above protections may not be accurate. Very little information is available online, though the card is a Visa Signature Card. GOOD TO KNOW - No limit to how many points you can earn - No blackout dates - Points do not expire as long as your account is open and in good standing - Bank of America tends to be a relationship bank, meaning your chances of approval will likely be higher if you have a banking relationship with them. SHOULD YOU GET IT? YES if you… - Are within your 1st year of building credit (consider as 2nd or 3rd card) - Prefer travel rewards over cash back - Travel 1-2 times per year, domestically - Want simple rewards - Are a Platinum or Platinum Honors member in the Bank of America Preferred Rewards program NO if you… - Are beyond your 1st year of credit - Travel moderately to frequently, domestic / international - Want high point earning rates - Desire high-value travel rewards - Want strong travel insurance / protections - Want travel perks / benefits - Are Gold member in the Preferred Rewards program (or if you don’t have Preferred Rewards) - Prefer cash back rewards over travel HOW IT COMPARES If you value travel / dining redemptions, then it makes sense to get this card over standard 2% cash back credit cards if you are a Platinum or Platinum Honors member in the Bank of America Preferred Rewards program. If you’re at the Gold tier (or aren’t in the Preferred Rewards program), then it makes more sense to get a 2% cash back credit card for the higher return and greater flexibility in using your cash back. 2% CASH BACK CREDIT CARDS TO CONSIDER - Citi Double Cash credit card - PayPal CashBack Mastercard - Fidelity Rewards Visa Signature Card - SoFi Credit Card - TD Double Up Card - TD Business Solutions Credit Card OTHER TRAVEL CREDIT CARDS TO CONSIDER - Chase Sapphire Preferred - Chase Sapphire Reserve - Chase Freedom Unlimited - Chase Freedom Flex - Citi Premier Card - Citi Prestige Card - Amex Platinum Card - Amex Gold Card - Amex Green Card - Capital One Venture card - Wells Fargo Propel American Express Card - US Bank Altitude Reserve - Bank of America Premium Rewards credit card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bankofamerica #travelrewards 2021-03-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343446/us-bank-altitude-reserve-review-2021-unboxing-new-card-design https://gamma.videonest.org/343446_thumbnail_resized_v2.webp https://gamma.videonest.org/343446_video_v3.mp4 U.S. BANK ALTITUDE RESERVE REVIEW 2021! (Unboxing New Card Design!) It’s time for a US Bank Altitude Reserve UNBOXING + REVIEW + DROP TEST with the NEW CARD DESIGN! Get ready to learn about one of the best travel credit cards on the market in 2021! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (March 2021) Earn 50,000 points after spending $4,500 in the first 90 days. Value = $500 - $750 depending on how you redeem your points. ANNUAL FEE = $400 EARNING POINTS - 5X Hotels: Must be prepaid & booked in Altitude Rewards Center - 5X Car Rentals: Must be prepaid & booked in Altitude Rewards Center - 3X Travel - 3X Dining: Incl. takeout & delivery | Exp. 6/30/2021 - 3X Mobile Wallet - 1X Other Purchases REDEEMING POINTS - Travel (via portal): 1.5¢ per point value - Cash Back: 1.0¢ per point value - Gift Cards: 1.0¢ per point value Redemption Method 1: US Bank Travel Portal - Use points during booking process for flights, hotels, etc. - Point value = 1.5¢ ea. - Min. amount = 1,000 points ($15 value) Redemption Method 2: Cash Back - Statement Credit or Deposit to U.S. Bank Checking / Savings - Increments of 5,000 points (5K, 10K, 15K, etc.) - Point value = 1.0¢ ea. - Min. amount = 5,000 points ($50 value) Redemption Method 3: Real-Time Rewards - Redeem instantly via text message. Get a credit on your next statement. - Travel: Points worth 1.5¢ each. Purchase must be made directly with airlines, hotels, car rental companies, taxis, limousines, passenger trains, and cruise lines. - Min. purchase amount for car rental = $250 - Min. purchase amount for lodging = $500 - Other: Points worth 1.0¢ each. Excludes gas stations & restaurants. - NOTE: Enrollment required RETURN ON SPEND 5X Points = 5% Cash Back = 7.5% Travel 3X Points = 3% Cash Back = 4.5% Travel 1X Points = 1% Cash Back = 1.5% Travel Using mobile wallet payments (Apple Pay, Google Pay, Samsung Pay and LG Pay) allows you to get 3X points on all purchases that accept mobile wallet payments. This means you can get 3% cash back or 4.5% return towards travel on nearly every type of purchase! :D PERKS & BENEFITS - Annual Credits (Up to $325): Get reimbursed automatically for travel & dining purchases. Credits will be applied within 2-3 business days after the purchases post to your account. - TSA Precheck or Global Entry Credit (Up to $100): Cover application fee every 4 years | TSA Precheck ($85) | Global Entry ($100) - Airport Lounge Access: Complimentary 12-month Priority Pass Membership | Auto renews each year | 4 free visits per year with up to 1 guest. After that, you'll pay the standard day pass rate of $32 per person per visit. - Complimentary In-Flight WiFi: 12 Gogo inflight Wi-Fi passes per year - Silvercar: Save up to 30% | No location, date, or class restrictions - No Foreign Transaction Fees VISA INFINITE BENEFITS: https://www.myvisacardportal.com/usbank/en_us/altitude/altitudereserve/visabenefits.html INSURANCE & PROTECTIONS https://www.myvisacardportal.com/usbank/en_us/altitude/altitudereserve/protections.html SHOULD YOU GET IT? YES if you… - Travel 1+ times per year - Pay via mobile wallet - Want simple rewards with strong value - Want 1 card to cover A LOT! NO if you… - Don’t plan to travel 1+ times per year - Don’t use mobile wallets - Want massive point value to pay for long-haul, international flights in First Class / Business Class - Want transfer partners (like Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou points and Capital One Venture miles) - Don’t have a preexisting U.S. Bank relationship (required to apply) GOOD TO KNOW - No authorized user fees (formerly $75/yr. per user) - This is a metal credit card :-) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #travelcreditcards #usbank 2021-03-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343447/best-5percent-cash-back-credit-cards-2021-quarterly-choice-rewards-credit-cards-no-annual-fee https://gamma.videonest.org/343447_thumbnail_resized_v2.webp https://gamma.videonest.org/343447_video_v3.mp4 BEST 5% CASH BACK Credit Cards 2021! (Quarterly / Choice Rewards Credit Cards No Annual Fee) Here are my TOP 5 PICKS for the BEST 5% cash back credit cards of 2021. All have rotating quarterly or choice categories with NO ANNUAL FEE. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CREDIT CARD #1: CHASE FREEDOM FLEX Welcome Bonus (Mar. 2021) Earn $200 cash back after spending $500 in the first 3 months. Plus, 0% APR for 15 months on purchases, then variable. Annual Fee = $0 Cash Back Rewards - 5% Quarterly Categories: Up to $1,500 in combined spend | Activate each quarter - 5% Travel: Via Ultimate Rewards portal - 3% Dining - 3% Drugstore - 1% Other Purchases CREDIT CARD #2: DISCOVER IT CASH BACK CREDIT CARD Welcome Bonus (Mar. 2021) Cashback Match: “Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.” Plus 0% APR for 14 months on purchases and balance transfers, then variable. Annual Fee = $0 Cash Back Rewards - 5% Quarterly Categories: Up to $1,500 in combined spend | Activate each quarter - 1% Other Purchases CREDIT CARD #3: US BANK CASH+ VISA SIGNATURE CARD Welcome Bonus (Mar. 2021) Earn $150 cash back after spending $500 in the first 90 days. Plus 0% APR for 12 months on balance transfers, then variable. Annual Fee = $0 Cash Back Rewards - 5% Choice Categories: Choose 2 Choice Categories | Up to $2,000 in combined spend each quarter | Enrollment each quarter - 2% Everyday Category: Choose 1 Everyday Category | No limit or cap - 1% Other Purchases CREDIT CARD #4: ABOC PLATINUM REWARDS MASTERCARD Welcome Bonus (Mar. 2021) Earn a $150 statement credit after spending $1,200 in the first 90 days. Plus 0% APR for 12 months on purchases, then variable. Annual Fee = $0 Cash Back Rewards - 5X Quarterly Categories: Up to $1,500 in combined spend | Activate each quarter - 1X Other Purchases NOTE about ABOC Points: You will earn 1 ABOC point per $1 spent, but ABOC points are not worth 1¢ each for all redemptions. They're worth 0.75¢ ea. towards statement credits and around 0.77¢ - 0.93¢ ea. towards gift cards (varies by the denomination). However, you’ll likely get the most value from your ABOC points when redeeming them for travel via flights, hotels, car rentals & vacation packages (including cruises and experiences). You should get able to get 1.0¢ per point for flights, though the points are less valuable for hotels. This means the card's 5X Category = 3.75% - 5.0% cash back based on the type of redemption you choose. CREDIT CARD #5: NUSENDA CREDIT UNION PLATINUM CASH REWARDS CARD Welcome Bonus (Mar. 2021) Earn 2% cash back as a base rate on all purchases for the first 90 days. This is in addition to the 5% on select quarterly categories. Plus 5% APR for the first 6 billing cycles on balance transfers, then the APR will change. Annual Fee = $0 OTHER CASH BACK CREDIT CARDS TO CONSIDER - Capital One Quicksilver - Capital One Savor or Capital One SavorOne - Chase Freedom Flex - Chase Freedom Unlimited - Wells Fargo Propel - Citi Double Cash credit card - US Bank Altitude Go - Amex Blue Cash Everyday - Amex Blue Cash Preferred - Chase Ink Business Cash - Chase Ink Business Unlimited - Amex Blue Business Cash Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #cashbackcreditcards #creditcardsnoannualfee 2021-03-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343448/amex-green-vs-wells-fargo-propel-best-credit-cards-for-travel-or-cash-back https://gamma.videonest.org/343448_thumbnail_resized_v2.webp https://gamma.videonest.org/343448_video_v3.mp4 AMEX GREEN vs. WELLS FARGO PROPEL! (Best Credit Cards for Travel or Cash Back?) The American Express Green Card and Wells Fargo Propel Card are VERY SIMILAR, but there are some key differences that could make one the clear winner for you! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CREDIT CARD #1: AMEX GREEN CARD Welcome Bonus (March 2021) - Earn 45,000 Membership Rewards points after spending $2K in the first 6 mo. Approx. average value = $270 - $900. Annual Fee = $150 Earning Points 3X Travel 3X Transit 3X Restaurants 1X Other Purchases What Counts As Travel For Amex Green Card Airfare Hotels Cruises Tours Car Rentals Campgrounds 3rd-Party Travel Websites AmexTravel.com Trains Taxicabs Rideshares Ferries Tolls Parking Buses Subways Exclusions: Timeshares, banquets, events, vacation packages, prepaid hotels via 3rd parties (e.g. online travel agents), charter flights, private jet flights Redeeming Points - Travel (Amex Transfer Partners): 2.0¢ per point, average - Travel (Amex Travel Portal): 0.7¢ per point for hotels, car rentals, cruises & vacations | 1.0¢ per point for flights - Cash Back (Statement Credit): 0.6¢ per point Amex Green Card Benefits - Transfer Points: Transfer Amex points into other airline & hotel programs (e.g. Amex points  JetBlue TrueBlue points) - CLEAR Credit ($100/yr.): Get through security faster at select airports and stadiums nationwide - Airport Lounge Credit ($100/yr.): Get reimbursed for airport lounge day passes via LoungeBuddy app. - No Foreign Transaction Fees CREDIT CARD #2: WELLS FARGO PROPEL AMERICAN EXPRESS CARD Welcome Bonus: Earn 20,000 points after spending $1,000 in the first 3 months. Value = $200. Annual Fee = $0 Earning Points 3X Travel 3X Transit 3X Restaurants 3X Gas Stations 3X Streaming 1X Other Purchases What Counts As Travel For Wells Fargo Propel Card Airline Passenger railway Hotel & motel Timeshares Vehicle & auto rentals Cruise lines Travel agencies Discount travel sites Campgrounds Passenger trains Taxis Limousines Ferries Toll bridges and highways Parking lots Garages Redeem Points - Cash Back, gift cards, travel, etc. = 1.0¢ per point Wells Fargo Propel Card Benefits - Cell Phone Protection: Can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with a maximum benefit limit of $600 per claim and $1,200 per 12-month period. This benefit does not cover cell phones that are lost (i.e. disappear without explanation) - No Foreign Transaction Fees WHICH CARD IS BEST? AMEX GREEN CARD = best for travel redemptions (due to transfer partners) WELLS FARGO PROPEL = best for cash back redemptions (due to flat-rate of 1.0¢ per point) WHICH CREDIT CARD SHOULD YOU GET? Get the AMEX GREEN CARD if you… - Spend on: travel, transit, dining - Are an international traveler - Use CLEAR + lounge access - Value travel rewards with potential for massive value - Don’t mind rewards program complexity Get the WELLS FARGO PROPEL CARD if you… - Spend on: travel, transit, dining, gas, streaming - Are a domestic traveler / road tripper - Don’t use CLEAR + lounge access - Value cash back or basic travel rewards with flat-rate value - Want a simple rewards program Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #travelcreditcards #americanexpress 2021-03-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343449/bank-of-america-premium-rewards-credit-card-review-plus-bank-of-america-preferred-rewards https://gamma.videonest.org/343449_thumbnail_resized_v2.webp https://gamma.videonest.org/343449_video_v3.mp4 Bank of America PREMIUM REWARDS Credit Card Review! (PLUS Bank of America Preferred Rewards!) The Bank of America Premium Rewards card is a good travel credit card for beginners or those who have a banking / investment relationship with BoA / Merrill. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (March 2021) Earn 50,000 points after spending $3K in the first 90 days. Value = $500. ANNUAL FEE = $95 EARN POINTS 2X Travel 2X Dining 1.5X Other Purchases WHAT COUNTS AS TRAVEL FOR BANK OF AMERICA PREMIUM REWARDS CARD airlines hotels motels timeshares trailer parks motor home and RV rentals campgrounds car rental agencies truck and trailer rental cruise lines travel agencies tour operators and real estate agents passenger trains buses taxis limousines ferries boat rentals parking lots and garages tolls and bridge fees tourist attractions exhibits, including: art galleries, amusement parks, carnivals, circuses, aquariums, zoos, etc. BANK OF AMERICA PREFERRED REWARDS PROGRAM There are a lot of benefits that come with this, one of which is a credit card rewards bonus. Get the details here: https://www.bankofamerica.com/preferred-rewards REDEEM POINTS Points are worth 1.0¢ each when redeemed in the following ways: - Cash Back: Statement credit, deposit to a checking account or savings account with Bank of America or investment account with Merrill. - Gift Cards - Travel via BoA portal BANK OF AMERICA PREMIUM REWARDS CREDIT CARD BENEFITS - Airline Incidental Credit ($100): Get up to $100 each year for qualifying purchases (including: seat upgrades, baggage fees, in-flight services, & airline lounge fees). Applied automatically applied to your card statement -TSA Precheck or Global Entry Credit: Get a statement credit towards either application fee every 4 years - $85 towards TSA Precheck - $100 towards Global Entry - Visa Signature Luxury Hotel Collection: Enjoy premium benefits at select hotels around the world - Visa Signature Concierge Service: Get help with travel planning, restaurant recommendations and event reservations - No Foreign Transaction Fees BANKAMERIDEALS These are similar to Amex Offers and Chase Offers, whereby you can add digital, cash-back coupons to your card account to get additional rewards at select merchants. Simply add them to your card, use your card with those retailers, and the additional cash back will be credited to your account! INSURANCE & PROTECTIONS Auto Rental Collision Damage Waiver Roadside Dispatch Program Trip Delay Reimbursement Trip Cancellation / Interruption Baggage Delay Lost Luggage Reimbursement Travel & Emergency Assistance Services Emergency Evacuation & Transportation Coverage Purchase Security Warranty Manager Service Return Protection See the details here: https://www.bankofamerica.com/credit-cards/premium-benefits GOOD TO KNOW - No limit to how many points you can earn - Points do not expire - Bank of America tends to be a ‘relationship bank,’ meaning your chances of approval will likely be higher if you have a banking relationship with BoA. SHOULD YOU GET IT? YES if you… - Spend on travel & dining - Are a budget traveler - Value simple & flexible rewards - Travel value = cash back value - Have a relationship with BoA / Merrill NO if you… - Don’t travel much - Want huge value for expensive travel (lux hotels, int’l flights, etc.) - Want transfer partners - Don’t like annual fees - Want VIP travel perks Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bankofamerica #travelrewards 2021-03-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343450/credit-cards-101-secured-credit-cards-explained-what-is-a-secured-credit-card https://gamma.videonest.org/343450_thumbnail_resized_v2.webp https://gamma.videonest.org/343450_video_v3.mp4 CREDIT CARDS 101: Secured Credit Cards Explained (What is a secured credit card?) Wondering how to build credit with no credit? A secured credit card could be the answer you’ve been looking for! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO: When To Pay Credit Card Bill To Increase Credit Score: https://youtu.be/BtIwGldr9rY SECURED CREDIT CARD DEFINITION A secured credit card is a credit card that requires a deposit in order to open the account. You’ll then get a credit limit that’s usually equal to the amount of your deposit. Example: A $300 deposit gives you a $300 credit limit. WHAT THE DEPOSIT IS FOR The deposit reduces the risk to the card issuer and makes it much easier for you to get approved. Example: If John gets a secured credit card and can’t pay his bill, the card issuer can use the money from his deposit to pay off the card (and then likely close John’s account). PURPOSE OF SECURED CREDIT CARDS - Building credit for the first time (i.e. no prior credit history) - Building credit with a short credit history (i.e. within your first year) - Rebuilding credit after a financial hardship EXAMPLES OF SECURED CREDIT CARDS - Discover it Secured Credit Card - Bank of America Cash Rewards Secured card - Secured Mastercard from Capital One - Citi Secured Mastercard - BankAmericard - OpenSky Visa Credit Card Q&A SESSION Q: How big should my deposit be? A: At least the minimum required (varies), and as much as you can comfortably afford. NOTE: ‘Credit Utilization’ refers to how much of your credit limit you’re using. In general, using less than 30% of your credit limit will help you build your score higher & faster than if you were to use a high percentage of your limit Q: Are secured cards the same as prepaid cards? A: No. See the differences below. Secured Credit Card - An actual credit card - Builds credit (information reported to credit bureaus) - Doesn’t store funds / not reloadable - Functions like a short-term loan (buy now, pay later) Prepaid Card - Not a credit card Does not build credit (information NOT reported to credit bureaus) - Stores funds / often reloadable - Functions like a debit card (buy now, pay now) Q: Can I use my deposit to pay my balance? A: No. Your deposit is not kept on the card. Rather, it’s held by the card issuer as collateral against your credit line. It cannot be spent or used to pay your bill. NOTE: If you do not (or cannot) pay your bill, the card issuer can use your deposit to pay the balance. Then they’ll likely close your account & report a negative mark to the bureaus as an account in collections. This can hurt your credit score for years. Q: Can I get my security deposit back? A: Yes. This varies by bank, but there are usually 3 main ways to get your deposit returned: 1. EARN your deposit back after responsible use of your card over time (usually 6 - 12 months). Often issued as a statement credit. 2. GRADUATE from a secured card to an unsecured card (i.e. a regular credit card) after responsible use of your card. 3. CLOSE YOUR ACOUNT and pay off the entire card balance. Q: Will my credit limit always equal my deposit? A: In most situations, yes, your credit limit will equal the amount of your deposit. However, exceptions do exist based on the bank or card you apply for. Q: Can I get a credit limit increase on a secured credit card? A: It depends on the card issuer’s policy & the card in question. - Some issuers offer limit increases without an additional deposit based on your use of the card over a period of time. - Other issuers may allow limit increases by increasing your security deposit. - Some secured cards do not offer limit increases. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #howtobuildcredit #creditcardsforbeginners 2021-03-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343451/credit-cards-101-how-many-credit-cards-should-i-have https://gamma.videonest.org/343451_thumbnail_resized_v2.webp https://gamma.videonest.org/343451_video_v3.mp4 CREDIT CARDS 101: How Many Credit Cards Should I Have? Are you wondering how many credit cards you should have to build your credit? Here’s the answer! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO: When To Pay Credit Card Bill To Increase Credit Score: https://youtu.be/BtIwGldr9rY DISCLAIMER… The following information is simply my general recommendation and should not be taken as financial advice of what you must or must not do. ANSWER #1: THE SIMPLE ANSWER (Build Your Credit Score only) 1. You don’t ‘need’ a credit card to build credit. Other loans that appear on your credit report will work just fine, including: personal loans, auto loans, student loans, mortgage, etc. 2. If you want a credit card, get one. You can build a strong credit score with a single card. 3. Buy what you’d normally buy & pay your bill on time. Pay your entire statement balance on/before the due date each month. This avoids interest, too. My Answer... It doesn’t matter how many credit cards you have. - You can build your credit score with or without credit cards. - You can get 1 card, or you can get multiple cards. - Most important = HOW you use your financial products. ANSWER #2: THE ADVANCED ANSWER (Build Your Credit Score | Maximize Your Credit Score) First, you’ll need to understand the 5 major credit factors that make up your credit score. An easy way to remember this = PHURLEMINA - PH = Payment History | 35% of your credit score - What To Do: Make on-time payments on/before your statement due date. - How Many Cards: 1 card or multiple cards is fine. - UR = Utilization Ratio | 30% of your credit score - What To Do: Use 1% - 29% of your total credit limit by the statement close date on each card & across all cards. Use under 10% to achieve top scores. If using more than that: (a) Make an early payment several days before the statement close date to get utilization to ideal range. (b) Wait for your statement, then pay remainder of balance on/before due date. - How Many Cards: 1 card w/ large limit … or 2-3+ cards w/ lower limits. - LE = Length of Credit History | 15% of your credit score - What To Do: Keep cards open long term & in good standing. - How Many Cards: 1 card or multiple cards. - MI = Mix of Accounts | 10% of your credit score - What To Do: Use multiple types of loan products responsibly. - How Many Cards: Likely 2+ cards. - NA = New Accounts | 10% of your credit score - What To Do: Avoid opening new cards frequently, esp. in a short timeframe. - How Many Cards: Open 0 to 4 cards per year; space out applications. My Answer… 2-3 credit cards on average ANSWER #3: THE FUN ANSWER The IDEAL # of credit cards for YOU will… 1. Give you enough total credit that your monthly expenses will use up less than 30%. 2. Offer strong rewards in your biggest spend categories each month (3% cash back / 3X points … or better). 3. Be easy to manage so you don’t forget payments or get overwhelmed. For most people, that’s likely 2-4 credit cards. My answer… As many as you like! (Again, for most people that’s likely 2-4 cards). Q&A Q: Can having a lot of cards hurt my credit score? A: No. ‘Having’ cards doesn’t hurt your score. How you use them might. However, if used properly, having a variety of cards could increase your credit score because: (a) You will have more total credit, which will lower your utilization and boost your score, (b) You will end up with multiple cards that have been open for many years, which will increase your average length of credit history and boost your score, (c) You will build positive, robust payment history and boost your score. Q: Can applying for a lot of cards hurt my score? A: Yes, though the effect will be temporary. Most credit card applications will result in an inquiry on your credit report and will likely result in a drop in your score. The effect of an inquiry decreases over time & falls off your report completely after 2 years. If you get approved, those new accounts will lower your average length of credit history and also temporarily decrease your score. In general, the best practice is to avoid applying for a lot of cards in a short timeframe. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcards101 #creditcardsforbeginners 2021-03-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343452/delta-skymiles-platinum-amex-review-delta-skymiles-platinum-american-express-card-benefits https://gamma.videonest.org/343452_thumbnail_resized_v2.webp https://gamma.videonest.org/343452_video_v3.mp4 DELTA SKYMILES PLATINUM AMEX REVIEW! (Delta SkyMiles Platinum American Express Card Benefits) The Delta SkyMiles Platinum American Express Card has a HUGE WELCOME BONUS right now and is loaded with travel benefits. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (as of March 2021) Earn 90,000 Delta SkyMiles after spending $3,000 in the first 3 months. This offer is set to expire on 4/28/2021 unless changed. The average value of this welcome offer is ~ $990. ANNUAL FEE = $250 EARN DELTA SKYMILES - 3X Delta Purchases: Made directly with Delta - 3X Hotels: Made directly with hotels - 2X Dining: Restaurants, incl. takeout & delivery - 2X Groceries: U.S. Supermarkets - 1X Other Purchases REDEEM DELTA SKYMILES - Delta Flights: 1.1¢ per mile (average) NOTE: You can also use Delta SkyMiles on other SkyTeam Alliance partners. See the list here: https://www.skyteam.com/en DELTA SKYMILES PLATINUM CARD BENEFITS - Status Boost: Earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25K in purchases in a calendar year, up to 2 times. - Annual Companion Certificate: Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Terms, conditions, taxes & fees may apply. - 1st Checked Bag Free: Check your first bag free on Delta flights booked with your Card. You can save up to $60 on a round-trip Delta flight per person. - Priority Boarding: Receive Main Cabin 1 Priority Boarding on Delta flights. - Global Entry / TSA Precheck Fee Credit (Up to $100): Choose One: (a) Receive a $100 statement credit every 4 years after you apply for Global Entry. (b) Receive up to an $85 statement credit every 4.5 years after you apply for a 5-year membership through any Authorized Enrollment Provider for TSA Precheck. - $39 Delta Sky Club Access: Exclusive rate of $39 per person per visit to the Delta Sky Club for you and up to 2 guests when traveling on a Delta flight. - 20% Back On In-Flight Purchases: Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in–flight purchases of food, beverages, and audio headsets. TEMPORARY BENEFITS FOR 2021 1. Dining Credit: $15/mo | U.S. Restaurants | Feb. 01 - Dec. 31, 2021 | Up to $165 in total credits 2. Delta Purchases: Earn up to 5X miles on eligible Delta purchases thru Dec. 31, 2021 3. Delta Status: Earn 25% more Medallion Qualification Miles (MQMs) | Earn 12,500 MQMs (instead of 10,000) for every $25K spent, up to 2 times thru Dec. 31, 2021 DELTA MEDALLION STATUS TIERS: https://www.delta.com/us/en/skymiles/medallion-program/medallion-benefits INSURANCE & PROTECTIONS - Trip Delay Insurance - Car Rental Loss & Damage Insurance - Baggage Insurance Plan - Global Assist Hotline - Purchase Protection - Extended Warranty - No Foreign Transaction Fees SHOULD YOU GET IT? YES if you… - Travel frequently - Fly with Delta - Value elite-like perks - Want to earn Medallion status faster NO if you… - Don’t travel much - Don’t fly with Delta - Don’t care about elite perks or status - Prefer cash back rewards HOW IT COMPARES… - The Delta SkyMiles Platinum Amex Card is BEST FOR GETTING DELTA BENEFITS. - The Amex Gold Card is BEST FOR EARNING DELTA SKYMILES (i.e. transfer your Membership Rewards points to your Delta SkyMiles account at a 1:1 ratio). OTHER AIRLINE CREDIT CARDS TO CONSIDER - Delta SkyMiles Gold American Express Card - Delta SkyMiles Reserve American Express Card - Citi AAdvantage Executive World Elite Mastercard - Citi AAdvantage Platinum Select - United Explorer Card - United Club Infinite Card - Southwest Rapid Rewards Priority Credit Card - Southwest Rapid Rewards Plus Credit Card - Southwest Rapid Rewards Premier Credit Card - Alaska Airlines credit card (Alaska Airlines Visa from Bank of America) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #deltaskymiles #airlinecreditcards 2021-03-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343453/amex-gold-card-review-2021-amex-gold-card-benefits-or-amex-gold-card-authorized-users https://gamma.videonest.org/343453_thumbnail_resized_v2.webp https://gamma.videonest.org/343453_video_v3.mp4 AMEX GOLD CARD REVIEW 2021! (Amex Gold Card Benefits | Amex Gold Card Authorized Users) The American Express Gold Card is a fantastic choice if you LOVE FOOD AND TRAVEL! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull FIRST OF ALL… The American Express Gold Card comes in 2 COLORS! Choose between Gold and Rose Gold as you apply. WELCOME BONUS (as of March 03, 2021) Earn 75,000 Membership Rewards points after spending $4,000 in the first 6 months. The approximate / average value of this bonus is $450 - $1,500 depending on how your redeem your points. ANNUAL FEE = $250 POINTS - EARN MEMBERSHIP REWARDS POINTS - 4X U.S. Supermarkets: Up to $25K spend / yr. - 4X Restaurants - 3X Flights - 1X Everything Else POINTS - REDEEM MEMBERSHIP REWARDS POINTS - Travel (Amex Transfer Partners): 2.0¢ per point value, average - Travel (Amex Travel Portal): 0.7¢ per point for hotels, car rentals, cruises & vacations | 1.0¢ per point for flights. - Cash Back (via Statement Credit using ‘Cover Your Card Charges’ feature): 0.6¢ per point value NOTE: To view all redemption options… 1. Log into Amex.com 2. Click on ‘Rewards’ at the top 3. See other options a bit further down on the screen AMEX TRANSFER PARTNERS Aer Lingus Aer Club Aeromexico Air Canada Air France KLM Flying Blue Alitalia Millemiglia ANA Mileage Club Asia Miles Avianca Lifemiles British Airways Exec. Club Delta SkyMiles El Al Israel Airlines Emirates Skywards Etihad Guest Hawaiian Airlines Iberia Plus JetBlue TrueBlue Quantas Frequent Flier Singapore Airlines KrisFlyer Virgin Atlantic Flying Club Choice Privileges Hilton Honors Marriott Bonvoy AMEX GOLD CARD BENEFITS - Dining Credit ($120/yr.): $10/mo. | Valid on purchases at: Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, Shake Shack (select locations) - Uber Cash Benefit ($120/yr.): $10/mo. | Issued automatically - Uber Eats Pass – enroll by 12.31.2021: Unlimited deliveries with a $0 fee + 5% off orders over $15 at eligible restaurants | Taxes & service fees may apply & do not count toward order minimum | Select markets may get free grocery delivery on orders over $30 | Auto-bill starts 12 mo. after enrollment, then $9.99/mo. (or current rate) - The Hotel Collection: $100 property credit | Room upgrade | Stay 2+ consecutive nights - No Foreign Transaction Fees - Airline Fee Credit ($100/yr.): 1 airline | Incidentals| Not available to new applicants | Ends 12/31/2021 AMEX GOLD CARD DINING CREDIT - HOW TO USE STEP 1: Enroll - Log in to your Amex.com account - Select ‘Rewards’ tab - Click ‘Enroll Now’ button - NOTE: Can also enroll by phone. Call # on back of your card. STEP 2: Make a purchase on your Gold Card from participating partners - Grubhub - Seamless - The Cheesecake Factory - Ruth's Chris Steak House - 0Boxed Shake Shack (participating locations) STEP 3: Receive a statement credit of up to $10/mo. - Typically 2-4 weeks after your purchase - Max $120/yr. AMEX GOLD CARD UBER CREDIT - HOW TO USE STEP 1: Download the latest Uber app & log in STEP 2: Add Gold Card as a Payment Method STEP 3: Receive $10/mo. in Uber Cash - Automatically added - Valid on Uber rides or Uber Eats NOTE: You’ll also be prompted to enroll in Uber Eats Pass (free for 1 year), available through 12/31/2021 INSURANCE & PROTECTIONS - Car Rental Loss & Damage Insurance: Secondary coverage | No charge - Premium Car Rental Protection: Primary coverage | Flat fee per rental - Global Assist Hotline - Baggage Insurance Plan - Trip Delay Insurance - Extended Warranty - Purchase Protection SHOULD YOU GET IT? YES if you… - Spend a lot on food (grocery & restaurant) - Use Uber / Uber Eats every month - Normally spend at: Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, Shake Shack - Prefer travel rewards points over cash back NO if you… - Don’t spend a lot on food - Don’t use Uber / Uber Eats every month - Don’t normally spend w/ dining partners - Don’t like high-annual-fee cards - Prefer cash back over travel rewards points GOOD TO KNOW - Metal card - Food delivery app purchases earn 4X points - Authorized Users do not get their own dining credit or Uber Cash benefit - Authorized User cards will be the same color & material as the primary account Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amexgoldcard #travelcreditcards 2021-03-04T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343454/i-got-the-amex-rose-gold-card-unboxing https://gamma.videonest.org/343454_thumbnail_resized_v2.webp https://gamma.videonest.org/343454_video_v3.mp4 I got the AMEX ROSE GOLD CARD! *UNBOXING* I called Amex to switch my Gold Card to the ROSE GOLD CARD! Check out the new design! Here’s the Amex Rose Gold Card Unboxing video. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull The American Express Gold Card / Rose Gold Card are identical in terms of their rewards structures and benefits. While this isn’t an in-depth Amex Gold Card review video (that’ll be a separate video!), here are some of the main things to know… POINTS - Earning Amex Membership Rewards points - 4X U.S. Supermarkets: Up to $25K spend/yr. - 4X Dining - 3X Flights - 1X Everything Else BENEFITS - Amex Gold Card Benefits - Dining Credit ($120/yr.): $10/mo. | Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, Shake Shack - Uber Cash Benefit ($120/yr.): $10/mo. | Auto. added to Uber account The Hotel Collection: $100 property credit | Room upgrade | Must stay 2+ consecutive nights and book through the Amex travel portal while paying with your Gold Card - No Foreign Transaction Fees - Airline Fee Credit ($100/yr.): 1 airline | Incidentals| Ending 12/31/2021 | No longer available to new applicants ANNUAL FEE = $250 Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amexgoldcard #travelcreditcards 2021-03-01T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343455/5-best-credit-cards-for-college-students-2021-best-student-credit-cards https://gamma.videonest.org/343455_thumbnail_resized_v2.webp https://gamma.videonest.org/343455_video_v3.mp4 5 BEST Credit Cards For COLLEGE STUDENTS 2021! (Best Student Credit Cards) Here are my Top 5 Picks for the BEST credit cards for college students in 2021, INCLUDING international students with no SSN! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull STUDENT CREDIT CARD #1: DISCOVER IT STUDENT CASH BACK CARD Welcome Offer Cashback Match: Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. PLUS 0% APR for first 6 months on purchases, then 12.99% – 21.99% variable. Annual Fee = $0 Cash Back - 5% Quarterly Categories, Up to $1,500 spend per quarter when you activate, then 1% until it refreshes again the next quarter - 1% Everything Else Discover Cash Back Calendar (2021) Q1 (January - March): Grocery Stores | Walgreens | CVS Q2 (April - Jun): Gas Stations | Wholesale Clubs | Select Streaming Services Q3 (July - September): Restaurants | PayPal Q4 (October - December): Amazon.com | Walmart.com | Target.com Perks & Benefits - Good Grade Award: Get a $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years. - Refer-A-Friend: Earn a $50 statement credit each time you refer a friend and they’re approved, up to a yearly maximum. - FICO Credit Score For Free STUDENT CREDIT CARD #2: DISCOVER IT STUDENT CHROME CARD Welcome Offer Cashback Match: Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. PLUS 0% APR for first 6 months on purchases, then 12.99% – 21.99% variable. Annual Fee = $0 Cash Back - 2% Gas Stations* - 2% Restaurants* *Up to $1,000 in combined purchases each quarter, then 1% until it refreshes the following quarter - 1% Everything Else Perks & Benefits - Good Grade Award: Get a $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years. - Refer-A-Friend: Earn a $50 statement credit each time you refer a friend and they’re approved, up to a yearly maximum. - FICO Credit Score For Free STUDENT CREDIT CARD #3: JOURNEY STUDENT CREDIT CARD FROM CAPITAL ONE Welcome Offer: N/A Annual Fee = $0 Cash Back - 1% All Purchases, or… - 1.25% All Purchases when you pay on time to boost your cash back to a total of 1.25% for that month. Perks & Benefits - $60 Streaming Subscription Credit: Earn $5 per month for 12 months on select streaming subscriptions when you pay on time. - Automatic Credit Line Reviews: Be automatically considered for a higher credit line in as little as 6 months. - Virtual Card Numbers from Eno: Pay for online purchases with virtual card numbers and keep your actual card number to yourself. - No FTFs STUDENT CREDIT CARD #4: BANK OF AMERICA CASH REWARDS CREDIT CARD FOR STUDENTS Welcome Offer Earn $200 cash back after you spend $1,000 in the first 90 days, PLUS 0% APR for first 12 months on new purchases or balance transfers, then 13.99% - 23.99% variable. Annual Fee = $0 Cash Back - 3% Choice Category* (Choose from: Travel, Dining, Gas, Online Shopping, Drug Stores, and Home Improvement / Furnishings) - 2% Grocery Stores* - 2% Wholesale Clubs* - 1% Everything Else *On the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Perks & Benefits - FICO credit score for free STUDENT CREDIT CARD #5: DESERVE EDU MASTERCARD Welcome Offer = N/A Annual Fee = $0 Cash Back - 1% All Purchases Perks & Benefits - $59 Amazon Prime Student Benefit: After spending $500 in the first 3 mo., use your card to sign up for an Amazon Prime Student subscription and get reimbursed up to $59 (i.e. $59 for annual | $6.49/mo. for monthly) - Cell Phone Protection: Coverage is limited to damage or theft up to $600 per claim. Subject to T&C, plus a fifty dollar ($50) deductible. The maximum liability is $600 per claim occurrence, and $1,000 per twelve (12) month period. - No SSN Required: International students don’t need a Social Security Number (SSN) to apply. - No FTFs WHICH IS BEST? Best For Rewards… - Credit cards from Bank of America and Discover Best For Benefits - Student credit cards from Capital One and Deserve Best For International Students - Deserve EDU Mastercard Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #studentcreditcards #creditcardsforbeginners 2021-02-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343456/amex-platinum-card-review-2020-dollar550-annual-fee-or-american-express-platinum-card-benefits https://gamma.videonest.org/343456_thumbnail_resized_v2.webp https://gamma.videonest.org/343456_video_v3.mp4 AMEX PLATINUM CARD REVIEW 2020! ($550 Annual Fee | American Express Platinum Card Benefits) The Amex Platinum Card is one of the best credit cards for travel, but is it right for you? This in depth-review will help you decide! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO: AMEX POINTS 101 - How To Use Amex Membership Rewards Points https://youtu.be/OAos9ucMPVo WELCOME BONUS - Limited Time Earn 75,000 Amex Membership Rewards points after spending $5,000 in the first 6 months of card membership. PLUS earn 10X points at U.S Gas Stations & U.S. Supermarkets on up to $15K in combined purchases for first 6 mo. Approximate / average value = $450 - $1,500 based on how you redeem your Amex points. ANNUAL FEE = $550 EARN AMEX POINTS 5X Flights: Booked directly w/ airlines or AmexTravel.com 5X Hotels: Prepaid via AmexTravel.com 1X Everything Else REDEEM AMEX POINTS - Travel (Amex Transfer Partners): 2.0¢ per point, avg. - Travel (Amex Travel Portal): 0.7¢ per point for hotels, car rentals, cruises & vacations | 1.0¢ per point for flights - Cash Back (Statement Credit): 0.6¢ per point 🎬 VIDEO: AMEX POINTS 101 - How To Use Amex Membership Rewards Points https://youtu.be/OAos9ucMPVo AMEX TRANSFER PARTNERS Aer Lingus Aer Club Aeromexico Air Canada Air France KLM Flying Blue Alitalia Millemiglia ANA Mileage Club Asia Miles Avianca Lifemiles British Airways Delta SkyMiles El Al Israel Airlines Emirates Skywards Etihad Guest Hawaiian Airlines Iberia Plus JetBlue TrueBlue Quantas Frequent Flier Singapore Airlines KrisFlyer Virgin Atlantic Choice Privileges Hilton Honors Marriott Bonvoy AMEX PLATINUM BENEFITS - PayPal Credit (Up to $180): $30/mo. | Valid thru Jun. 2021 - Uber Rides with Platinum ($200/yr.): $15/mo. | $35 in Dec. - Airline Fee Credit ($200/yr.): 1 airline | Incidental charges - Global Entry / TSA Precheck (Up to $100): Every 4.5 years - Shop Saks with Platinum ($100/yr.): $50 Jan. – Jun. | $50 Jul. – Dec. - Global Lounge Collection: Access to many airport lounges worldwide. More info below. - International Airline Program: Lower fares | Up to 8 tickets / booking - The Hotel Collection: $100 property credit | Room upgrade - Fine Hotels & Resorts Program: Experience credit | Room upgrade | Daily breakfast for 2 | Early check-in (12PM) | Late check-out (4PM) | Free Wi-Fi - Elite Status: Marriott Bonvoy Gold | Hilton Honors Gold | National Car Rental Emerald Club | Others… - No Foreign Transaction Fees AMERICAN EXPRESS GLOBAL LOUNGE COLLECTION - The Centurion Lounge - The International American Express Lounges - Priority Pass lounges - Escape Lounges - Delta Sky Club - Plaza Premium Lounges - Air Space lounges INSURANCE & PROTECTIONS - Car Rental Loss & Damage Insurance - Trip Delay Insurance - Trip Interruption & Cancellation Insurance - Baggage Insurance Plan (lost / damaged / stolen) - Delayed Baggage Insurance - Purchase Protection - -Extended Warranty Premium Global Assist Hotline SHOULD YOU GET IT? YES if you… - Travel frequently - Spend on airfare - Spend on Uber / Uber Eats - Will use $200 Airline Fee Credit - -Value VIP travel experiences (elite status, lounges, upgrades, etc.) Prefer travel rewards over cash back NO if you… - Don’t travel multiple times per year - Are a budget traveler / road tripper - Don’t care about VIP travel experiences - Don’t normally spend on airfare or Uber (Eats) - Prefer cash back over travel rewards - Don’t like high-annual-fee cards Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amexplatinumcard #travelcreditcards 2021-02-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343457/whats-in-my-wallet-q1-2021-or-credit-card-strategy-2021 https://gamma.videonest.org/343457_thumbnail_resized_v2.webp https://gamma.videonest.org/343457_video_v3.mp4 WHAT’S IN MY WALLET Q1 2021 | Credit Card Strategy 2021 Want to look inside my wallet to see which credit cards I’m using in Q1 2021?! I’ll reveal them all! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 FULL REVIEW of the Amazon Prime Rewards Visa Signature card here: https://youtu.be/MgLSP8QXsWs CREDIT CARD #1: US BANK BUSINESS LEVERAGE VISA SIGNATURE CARD Welcome Bonus 75,000 points after spending $7,500 in the first 4 months Rewards 5X Prepaid Hotels via Leverage Rewards Portal 5X Prepaid Rental Cars via Leverage Rewards Portal 2X Top 2 Categories where you spend the most 1X Everything Else Annual Fee = $0 in Year 1, $95 after Why It’s In My Wallet Working on welcome bonus spend requirement. CREDIT CARD #2: WELLS FARGO PROPEL AMERICAN EXPRESS CARD Welcome Bonus 20,000 points after spending $1,000 in the first 3 months Rewards 3X Travel 3X Transit 3X Dining 3X Gas Stations 3X Streaming 1X Everything Else Annual Fee = $0 Why It’s In My Wallet Earn 3X points / 3% cash back on gas purchases. This is my go-to credit card for gas purchases if I don’t have an American Express credit card with an Amex Offer related to gas … or if my 5% cash back credit cards (namely, the Chase Freedom Flex card and Discover it Cash Back Credit Card) don’t have ‘gas’ as a current quarterly category. CREDIT CARD #3: MARRIOTT BONVOY BRILLIANT AMERICAN EXPRESS CARD Welcome Bonus 75,000 Marriott Bonvoy points after spending $3,000 in the first 3 months. Rewards 6X Marriott Hotels 3X Dining 3X Flights 2X Everything Else Annual Fee = $450 Why It’s In My Wallet Using the $20 per month dining credit through 12/31/2021 CREDIT CARD #4: AMEX PLATINUM CARD Welcome Bonus Earn 75,000 Membership Rewards points after spending $5,000 in first 6 months, PLUS earn 10X Points at U.S. Gas Stations and U.S. Supermarkets on up to $15K spend in first 6 mo. Rewards 5X Flights 5X Prepaid Hotels via AmexTravel.com 1X Everything Else Annual Fee = $550 Why It’s In My Wallet Lounge access for upcoming trip. This card gives you access to Centurion Lounges, Priority Pass Lounges, Delta Sky Club lounges, AirSpace Lounges, and Escape Lounges. CREDIT CARD #5: AMEX GOLD CARD Welcome Bonus Earn 60,000 Membership Rewards points after spending $4,000 in the first 6 months. Rewards 4X Dining 4X Groceries at U.S. Supermarkets, up to $25K spend per year 3X Flights 1X Everything Else Annual Fee = $250 Why It’s In My Wallet I get great use out of the 4X categories and the $10 per month dining credit CREDIT CARD #6: AMEX GREEN CARD Welcome Bonus Earn 45,000 Membership Rewards points after spending $2,000 in the first 6 months Rewards 3X Restaurants 3X Travel 3X Transit 1X Everything Else Annual fee = $150 Why It’s In My Wallet To earn 3X points on my hotel on an upcoming trip. I'm staying at the Delano hotel in Las Vegas. While you can book this hotel through Hyatt due to the partnership, going directly through MGM Resorts gave me a 40% discount if I stayed 3 nights or longer (which I'm doing). So, while I'd normally use the World of Hyatt credit card, in this case it would only earn 1X points (instead of 4X) because I didn't book through Hyatt. That means the Amex Green Card was my next best option, which earns 3X on 'Travel' and includes all hotels worldwide. CREDIT CARD #7: CHASE SAPPHIRE PREFERRED Welcome Bonus Earn 60,000 Ultimate Rewards points after spending $4,000 in the first 3 months, PLUS up to $50 in statement credits towards grocery store purchases within your first year after account opening. Rewards 2X Travel 2X Dining 2X Grocery Store purchases on up to $1,000 in spend per month from November 1, 2020 to April 30, 2021 1X Everything Else Annual Fee = $95 Why It’s In My Wallet For primary rental car insurance on upcoming trip Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #whatsinmywallet 2021-02-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343458/amazon-prime-credit-card-unboxing-amazon-credit-card-or-whole-foods-credit-card-design https://gamma.videonest.org/343458_thumbnail_resized_v2.webp https://gamma.videonest.org/343458_video_v3.mp4 AMAZON PRIME CREDIT CARD UNBOXING! (Amazon Credit Card | Whole Foods Credit Card Design) The Amazon Prime Rewards Visa Signature Card got a whole new design! You can now get it in GREEN with Whole Foods Market branding! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull The Amazon Prime credit card is still the same cash back credit card with no annual fee that many people love. For the Whole Foods Market shopper, you can now get the same card but with Whole Foods credit card artwork. Both are metal credit cards with no annual fee, by the way :-) The credit cards rewards are still cash back (earned in the form of points, where 1 point = 1¢, so 10,000 points = $100). And the rewards structure is still the same: 5% Amazon 5% Whole Foods Market 2% Restaurants 2% Gas Stations 2% Drugstores 1% Everything Else And there’s still no annual fee :D However, the WELCOME BONUS for the 2 cards are different at the moment. Here are the current welcome offers as of 2.17.2021… AMAZON DESIGN WELCOME BONUS (subject to change) Get a $70 Amazon Gift Card instantly upon approval WHOLE FOODS DESIGN WELCOME BONUS (limited time) Earn a $100 Statement Credit when you spend $100 in-store at Whole Foods Market within 2 months of account opening. Terms & conditions apply for both offers, and they’re subject to change over time. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #chasecreditcards #amazonprimecreditcard #cashbackcreditcards 2021-02-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343459/amex-points-101-how-to-use-amex-membership-rewards-points-how-to-redeem-amex-points-for-travel https://gamma.videonest.org/343459_thumbnail_resized_v2.webp https://gamma.videonest.org/343459_video_v3.mp4 AMEX POINTS 101: How To Use Amex Membership Rewards Points (How To Redeem Amex Points For Travel) American Express Membership Rewards points are some of the best credit card rewards available, but not every redemption option gives the same value. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull EARN POINTS 1: AMEX CARDS Personal Cards - Amex Green Card - Amex Gold Card - Amex Platinum Card - Amex Black Card / Amex Centurion Card - Blue from American Express card - Amex EveryDay Credit Card - Amex EveryDay Preferred Credit Card Business Cards - Amex Business Green Rewards Card - Amex Business Gold Card - Amex Business Platinum Card - Amex Business Black Card / Amex Business Centurion Card - Amex Blue Business Plus Credit Card NOTE: The corporate versions of many of these cards also earn Amex Membership Rewards points. EARN POINTS 2: AMEX OFFERS Log into your Amex account and scroll down to the ‘Amex Offers & Benefits’ section. You’ll see offers to add to your Card that may allow you to earn additional points when you use that Card at select merchants. EARN POINTS 3: AMEX REFERRALS Log into your Amex account and scroll down to the link that says ‘Refer Friends. Earn Rewards.’ You can get a unique referral link to earn additional points (up to a specified maximum per year) if the person you refer gets approved for the card. EARN POINTS 4: RAKUTEN Online shopping portal that allow you to earn additional cash back in addition to your credit card rewards. To earn Amex Membership Rewards points instead of cash back, log into your Rakuten account and select ‘Account Settings’ from the main menu. From there, you’ll be able to choose Amex points as your method of payment. HOW TO VIEW YOUR POINTS EARNED 1. Log in 2. Select ‘Rewards’ 3. Click on ‘Points Summary’ 4. View your points dashboard REDEEM AMEX POINTS: 7 METHODS 1. Cash Back (“Cover Your Charges”) 2. Pay With Points 3. Gift Cards 4. Travel (Portal) 5. Travel (Transfer Points) 6. Shop Online 7. Charity NOTE: All redemption methods can be viewed by logging in, selecting ‘Rewards,’ and then navigating among the various tabs. AMEX TRANSFER PARTNERS Aer Lingus Aer Club Aeromexico Air Canada Air France KLM Flying Blue Alitalia Millemiglia ANA Mileage Club Asia Miles Avianca Lifemiles British Airways Delta SkyMiles El Al Israel Airlines Emirates Skywards Etihad Guest Hawaiian Airlines Iberia Plus JetBlue TrueBlue Quantas Frequent Flier Singapore Airlines KrisFlyer Virgin Atlantic Choice Privileges Hilton Honors Marriott Bonvoy WHAT ARE AMEX POINTS WORTH? / VALUE OF AMEX POINTS (as of Feb. 2021) - Travel (Amex Transfer Partners): 2.0¢, avg. | 10,000 points = $200 (avg.) - Charity: 1.0¢ | 10,000 points = $100 - Gift Cards: 0.5¢, 0.7¢, 0.85¢, or 1.0¢ | 10,000 points = $50, $70, $85, or 100 depending on the gift card - Travel (Amex Travel Portal): 0.7¢ or 1.0¢ | 10,000 points = $70 for prepaid hotels, prepaid car rentals, cruises and vacations | 10,000 points = $100 for flights - Cash Back: 0.6¢ | 10,000 points = $60 - Pay With Points: 0.5¢ or 0.7¢ | 10,000 points = $50 via Ticketmaster | 10,000 points = $700 most other options | 10,000 points = $100 for NYC taxis - Shop Online: 0.5¢ | 10,000 points = $50 HOW TO GET THE MOST VALUE OUT OF AMEX POINTS 1. Travel: International Flights … transfer points (2.0¢, avg.) | Domestic / Other Flights … use portal (1.0¢) 2. Gift Cards & Charity: Choose options that give $100 for every 10,000 points (1.0¢) 3. Cash Back: Only if you have Schwab Platinum Card (1.25¢), otherwise ignore this option. Q&A Can I combine points from multiple cards? Yes. Points from all cards that earn Membership Rewards points will automatically be pooled together into one account balance. This includes Personal Cards and Business Cards. Do Amex points expire? Points DO NOT expire, but they CAN be forfeited. You must have at least 1 active card that earns Membership Rewards points to maintain points. Can I transfer airline miles or hotel points into Amex points? No. Transferring points to airlines / hotels are 1 way. FROM Amex TO airlines & hotels = YES FROM airlines & hotels TO Amex = NO Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #membershiprewards #amex 2021-02-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343460/chase-freedom-flex-review-best-cash-back-credit-card https://gamma.videonest.org/343460_thumbnail_resized_v2.webp https://gamma.videonest.org/343460_video_v3.mp4 CHASE FREEDOM FLEX REVIEW! (Best Cash Back Credit Card) The Chase Freedom Flex is an incredible cash back credit card, especially when combined with the Chase Sapphire Reserve, Chase Sapphire Reserve or Chase Ink Business Preferred. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS (as of Feb. 2021) Earn $200 cash back after spending $500 in the first 3 months of card membership. Also receive a 0% promo APR for the first 15 months on new purchases, then 14.99% - 23.74%. ANNUAL FEE = $0 EARN CASH BACK - 5% Quarterly Categories: Up to $1,500 in combined spend | Activate each quarter - 5% Travel: Via Ultimate Rewards portal - 3% Dining - 3% Drugstore - 1% All Other Purchases NOTE Cash back is issued as Chase Ultimate Rewards points, where 1 point = 1¢ ($0.01). REDEEM CASH BACK - Travel (via Chase Ultimate Rewards portal): 1.0¢ per point value - Pay Yourself Back (same portal): 1.25¢ per point value towards Charitable Contributions (this may change over time) - Cash Back (via Statement Credit or deposit to checking account or savings account): 1.0¢ per point value CHASE FREEDOM FLEX BENEFITS - Cell Phone Insurance – Up to $800 per claim and $1,000 per year in cell phone protection against theft or damage for phones listed on cardmembers’ monthly bill. - Lyft – $10 in credit for every 5 rides taken in a calendar month, automatically applied to the next ride and capped at once per month. - Boxed – 5% cash rewards on Boxed purchases for use on future purchases. - ShopRunner – Free membership to receive two-day shipping and free return shipping at over a hundred online retailers. - Fandango – Double VIP+ points for movie tickets purchased via the Fandango app or Fandango.com, which can be used towards purchasing movie tickets - DashPass by DoorDash (12 months) First 3 months: FREE Unlimited deliveries for $0 delivery fee for order over $12 Next 9 months: 50% OFF, Auto-enrolled in DashPass at 50% off for next 9 mo. INSURANCE & PROTECTIONS Zero Liability Protection: You won't be held responsible for unauthorized charges made with your card or account information. Purchase Protection: Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account. Extended Warranty Protection: Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of 3 years or less. Auto Rental Collision Damage Waiver (CDW): Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance. Trip Cancellation / Interruption Insurance: Extends the time period of the U.S. manufacturer’s warranty by an additional year, on You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, nonrefundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations. Travel & Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.) GOOD TO KNOW… - No minimum to redeem for cash back - Cash back (points) doesn’t expire as long as account is open - 3% Foreign Transaction Fee (FTF) - Subject to 5/24 Rule - Can get this card if you already have the Freedom Unlimited - Can get this card if you have older ‘Freedom’ card SHOULD YOU GET IT? YES if you… - Prefer cash back rewards - Like cards with no annual fee - Value cell phone insurance - Like to travel and have Sapphire Preferred, Sapphire Reserve or Ink Business Preferred NO if you… - Are over 5/24 - Like to travel and don’t have Sapphire Preferred, Sapphire Reserve or Ink Business Preferred FINAL NOTES Combining the Chase Freedom Flex with the Chase Sapphire Preferred, Chase Sapphire Reserve and/or Chase Ink Business Preferred allows your Ultimate Rewards points earned from ALL cards to be worth 25% - 50% more toward travel AND toward expanded Pay Yourself Back categories (which may change over time). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #chasefreedomflex #cashbackcreditcards 2021-02-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343461/petal-1-vs-petal-2-2021-petal-credit-card-review-or-credit-cards-for-beginners https://gamma.videonest.org/343461_thumbnail_resized_v2.webp https://gamma.videonest.org/343461_video_v3.mp4 PETAL 1 vs PETAL 2 (2021)! Petal Credit Card Review | Credit Cards For Beginners The Petal 1 Visa and Petal 2 Visa credit cards are excellent credit cards for beginners (and some of the best credit cards for no credit). Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull PETAL 1 VISA CREDIT CARD Petal 1 Signup Bonus (as of Feb. 2021) - none Petal 1 Annual Fee - $0 Petal 1 Cash Back - Earning - 2% - 10% at Select Merchants Petal 1 Cash Back - Redeeming - Statement credit - Electronic transfer - Check Petal 1 Card Benefits - Credit Limit: $500 - $5,000 - APR: 19.99% - 29.49% - Cash Score: Petal 1 looks beyond your credit score to create a Cash Score based on your banking history. - Credit Reporting: All 3 major bureaus (Experian, TransUnion and Equifax) - Spend Planner: Set a budget; control spending - No Foreign Transaction Fees NOTE: Late Payment Fees & Returned Payment Fees may apply PETAL 2 VISA CREDIT CARD Petal 2 Signup Bonus - none Petal 2 Cash Back - Earning 1% on all purchases 1.25% on all purchases after 6 on-time payments 1.5% on all purchases after 12 on-time payments 2% - 10% at Select Merchants Petal 2 Cash Back - Redeeming - Statement credit - Electronic transfer - Check Petal 2 Card Benefits - Credit Limit: $500 - $10,000 - APR: 12.99% - 26.99% - Cash Score: Petal will look beyond your credit score to create a Cash Score based on your banking history. - Credit Reporting: All 3 major bureaus (Experian, TransUnion and Equifax) - Spend Planner: Set a budget; control spending - No Foreign Transaction Fees - No Late Payment Fees - No Returned Payment Fees Q&A SESSION Begins at 9 min. 9 sec. WHICH IS BEST FOR YOU? The Petal 1 Card is best for those with low-to-fair credit or cash flow who are seeking to improve their credit score. The Petal 2 Card is best for those with fair-to-good credit or cash flow [with greater rewards & the potential for higher credit limits & lower interest rates]. WHICH ONE TO GET? Get the PETAL 1 CARD if you… - Have no credit history - Have little credit history - Have a low credit score Get the PETAL 2 CARD if you… - Have some credit history - Have a fair credit score - Want cash back rewards on all purchases BEST SECURED CREDIT CARDS (to consider as alternatives) - Citi Secured Mastercard - Secured Mastercard from Capital One - Bank of America Cash Rewards Secured - BankAmericard Secured - Discover it Secured Credit Card - OpenSky Secured Credit Card OTHER CREDIT CARDS AFTER 1 YEAR OF CREDIT - Chase Freedom Flex - Chase Freedom Unlimited - Chase Sapphire Preferred - Chase Sapphire Reserve - Citi Double Cash - Amex Blue Cash Everyday - Amex Blue Cash Everyday Preferred - Amex Green Card - Amex Gold Card - Amex Platinum Card - Bank of America Cash Rewards card - Bank of America Premium Rewards credit card - US Bank Altitude Go card - US Bank Cash Plus card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcards101 #creditcardsforbeginners 2021-02-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343462/citi-prestige-card-review-citi-prestige-benefits-or-citi-prestige-4th-night-free https://gamma.videonest.org/343462_thumbnail_resized_v2.webp https://gamma.videonest.org/343462_video_v3.mp4 CITI PRESTIGE CARD REVIEW! (Citi Prestige Benefits | Citi Prestige 4th Night Free) The Citi Prestige Card is one of the best travel credit cards available at the moment if you like to save money on upscale / luxury experiences. Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS (as of February 2021) Get 50,000 Citi ThankYou Points after spending $4,000 in the first 3 months of card membership. The approximate value is $500 - $850 on average. ANNUAL FEE = $495 EARN CITI THANK YOU POINTS 5X Restaurants (incl. cafes, bars, lounges & fast-food restaurants) 5X Air Travel 3X Hotels 3X Cruise Lines 1X All Other Purchases REDEEM CITI THANK YOU POINTS - Travel (via Citi Transfer Partners): 1.7¢ per point value, on avg. - Travel (via Citi Travel Portal at ThankYou.com): 1.0¢ per point value, flat rate - Cash Back (via Statement Credit): 1.0¢ per point value, flat rate CITI TRANSFER PARTNERS Aeromexico Club Premier Air France-KLM Flying Blue Avianca LifeMiles Cathay Pacific Asia Miles Emirates Skywards Etihad Guest EVA Air Infinity MileageLands Jet Airways JetPrivilege / InterMiles JetBlue TrueBlue Malaysia Airlines Enrich Qantas Frequent Flyer Qatar Airways Privilege Club Singapore Airlines KrisFlyer Thai Airways Royal Orchid Plus Turkish Airlines Miles&Smiles Virgin Atlantic Flying Club NOTE: Many Citi transfer partners are 1:1, meaning 10,000 ThankYou points become 10,000 air miles. Occasional transfer bonuses occur, and ratios may change over time. CITI PRESTIGE BENEFITS - $250 Credit: Annual credit for travel purchases each calendar year | Thru 12/31/2021: Credit also covers supermarket & restaurant purchases - 4th Night Free: Complimentary 4th Night at a hotel of your choice, excl. taxes & fees | Min. 4 consecutive night booking | Max. 2 uses per year | Book via ThankYou.com or call 1-800-ThankYou - Global Entry or TSA Precheck: Receive a statement credit up to $100 every 5 years for application fee - Lounge Access: Complimentary Priority Pass Select membership - Banking Relationship Annual Credit (Qualifying Citigold Account): $145 annual fee discount | $25 authorized user discount - Citi Entertainment: Special access to purchase tickets to thousands of events - No Foreign Transaction Fees CITI PRESTIGE $250 CREDIT: WHAT COUNTS? airlines hotels car rental agencies travel agencies travel aggregators tour operators commuter transportation ferries commuter railways subways taxis limousines car services passenger railways cruise lines bridges toll roads parking lots/garages bus lines INSURANCE & PROTECTIONS Cell Phone Protection - Must pay monthly cell phone bill with Citi Prestige Card - Covers against theft & damage for up to 5 phone lines - Up to $1,000 per claim, Up to $1,500 per 12-month period - $50 deductible per claim Extended Warranty - Extends manufacturer’s warranty on eligible purchases for an additional 24 mo. - Coverage won’t last more than 7 years from the purchase date - Citi may repair, replace or reimburse eligible items up to the cost you paid for the item or $10,000, whichever is less. Purchase Protection - Covers damage & theft on eligible items for 90 days after purchase or delivery - Up to $10,000 per incident; up to $50,000 per year NOTE: As of Sep. 22, 2019, Citi removed all travel protections. SHOULD YOU GET IT? YES if you… - Travel frequently - Fly internationally - Stay 4+ consecutive nights at mid-tier, upscale or luxury hotels twice every year - Spend a lot on airfare & dining NO if you… - Are a budget traveler - Are a domestic traveler - Are a road tripper - Don’t stay 4+ nights in a hotel twice every year - Don’t eat out often - Don’t fly internationally GOOD TO KNOW - Signup Bonus: Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige, or if you have closed any of these accounts, in the past 24 months. - 4th Night Free benefit Calculated based on the average cost of the 4 nights, excluding fees & taxes Works for cash bookings, points bookings, and ‘points + cash’ bookings - Authorized Users cost $75 per person, per year - Metal credit card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #citiprestige #travelcreditcards 2021-02-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343463/wow-i-got-a-credit-limit-increase-and-cancelled-the-worst-credit-card-ever https://gamma.videonest.org/343463_thumbnail_resized_v2.webp https://gamma.videonest.org/343463_video_v3.mp4 *WOW!* I GOT A CREDIT LIMIT INCREASE (and CANCELLED the WORST credit card ever!?) Find out what happened with my credit limit increase request on a U.S. Bank business credit card! A LOT of learnings came out of all this :D Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull I applied for a new business credit card about a week ago - it was the U.S. Bank Business Leverage Visa Signature Card. I was really excited about the approval, but not as much about the $3,000 credit limit. Naturally, I wanted to get a credit limit increase, especially since I have some larger business expenses coming up. So, I called U.S. Bank to see what could be done. And this video is what happened! Here’s a summary of some of the key takeaways and what I learned about credit limit increases with a U.S. Bank business credit card. - U.S. Bank DOES allow reallocating credit limits within the same card product (e.g. primary card to employee cards) - U.S. Bank DOES NOT allow reallocating credit limits from one card product to a different card product – at least not for business cards. - I requested a $5,000 decrease on my Business Select Card and an increase on my new Business Leverage Card (unspecified amount). - This resulted in a hard pull on my credit report (TransUnion) & a waiting period (est. 7-10 days) - I also CANCELLED my Business Select Card entirely to (potentially?) increase my chances of an approval for the CLI request on the new Business Leverage Card. Here’s why I did that… Since I already had an $18,000 credit limit on my older U.S. Bank Business Select Card (now discontinued), and then got the new Business Leverage Card with a much smaller $3,000 credit line, that got me thinking… There’s a good chance that I’m close to the maximum amount of credit that U.S. Bank will extend to me based on my current income and business revenue. So, I initially requested a $5,000 credit line DECREASE on my Business Select Card and an (unspecified) credit line INCREASE on the new Business Leverage Card. Then, I decided to cancel the U.S. Bank Business Select Card entirely to part ways with that $18K line. That way, I lowered the total limit to my name with U.S. Bank. The goal, of course, is to INCREASE my chances of getting an approval for my new Business Leverage Card. By parting ways with the $18K I already had, I should make a lot more room to get a more generous credit line increase. (Plus, the rewards on the Business Select were among the worst I had ever seen: 1 point was worth 0.67¢ each ... the card only earned 2X points at most ... and that 2X category was chosen during the application process - plus frustrating to change on the phone!) In the end, IT WORKED! I went from a $3,000 credit limit to a $10,000 credit limit on the new Business Leverage Card! Hopefully you won’t have to go through all these hoops for your next credit limit increase. They key principles here are as follows: 1. Consider asking for a credit limit increase directly. The only reason why I wanted to reallocate a preexisting line was because I thought I was nearing the total limit I could get across all cards from U.S. Bank. 2. If denied, call back and see if you can move credit from an older card to the new one. 3. Also ask if there will be a credit check / inquiry required to perform a credit line increase or reallocation. That way you can make an informed decision. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #businesscredit #usbank 2021-02-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343464/watch-me-apply-us-bank-business-credit-card-application-us-bank-business-leverage-card https://gamma.videonest.org/343464_thumbnail_resized_v2.webp https://gamma.videonest.org/343464_video_v3.mp4 *WATCH ME APPLY* U.S. Bank Business Credit Card Application (U.S. Bank Business Leverage Card) Ever wondered how to get a business credit card? Watch me apply for the U.S. Bank Business Leverage Visa Signature Card so you can learn what to expect! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull There are many business credit cards on the market, and the U.S. Bank Business Leverage Visa Signature Card really caught my eye for its huge bonus at the moment! I may do a full review of this card later, but for now, here are some basics about the card: SIGNUP BONUS Earn 75,000 bonus points worth $750 cash back after spending $7,500 in eligible net purchases on the Account Owner’s Card within the first 4 months of account opening. ANNUAL FEE = $0 in Year 1, $95 thereafter. There are no additional fees to add employee cards. CREDIT CARD BENEFITS Ear 2X points in your top 2 categories where you spend the most, automatically. There are currently 48 available categories! Check them out at this link: https://bizcards.usbank.com/credit/categories.do?exp=&lang=en&redirect=leveragecategories CREDIT REPORTING U.S. Bank does not report credit card activity to the consumer credit bureaus, allowing you to keep your business and personal credit scores separate. MY CREDIT SCORE FOR THIS CREDIT CARD APPLICATION - Credit Score: 788 on Experian | 813 on TransUnion via Credit Karma - Credit Card Utilization (across all cards): 0% - Average Length of Credit History: 3 years 3 months - Inquiries (TransUnion): 3 - Inquiries (Experian): 13 - New Accounts (12 months): 2 - New Accounts (24 months): 8 WHY I GOT THIS CREDIT CARD - $750 welcome offer - Flexible 2X rewards categories (48 total)! 😮 - Does not increase my Chase 5/24 count CREDITPULLS FROM CREDITBOARDS (Great resource to check which bureaus a bank might pull based on your location) LINK: https://creditboards.com/forums OTHER: BEST BUSINESS CREDIT CARDS! - Chase Ink Business Credit Cards, including: Chase Ink Business Preferred, Chase Ink Business Unlimited, and the Chase Ink Business Cash. Also check out the Southwest business credit cards if you fly with that carrier. - American Express Business Credit Cards, including: Amex Business Platinum Card, Amex Business Gold Card, and the Amex Blue Business Plus Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #businesscredit #usbank 2021-02-04T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343465/new-amex-card-benefits-2021-delta-skymiles-marriott-bonvoy-hilton-honors-and-more https://gamma.videonest.org/343465_thumbnail_resized_v2.webp https://gamma.videonest.org/343465_video_v3.mp4 NEW AMEX CARD BENEFITS 2021! (Delta SkyMiles, Marriott Bonvoy, Hilton Honors & More!) BREAKING NEWS! American Express announced a TON of new benefits, credits and spend bonuses on a number of their travel credit cards. Let’s see what it’s all about! Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull MONTHLY CREDITS - AMEX PERSONAL CREDIT CARDS American Express Gold Card - Uber Credit: $10/mo. Uber Cash | Use for Uber / Uber Eats | No expiration date - Uber Eats Pass: Free delivery + 5% off on orders costing $15+ - How it works: Add Card to Uber | On-screen prompts guide you through the rest! American Express Platinum Card - PayPal Credit: $30/mo. PayPal credit | Thru. 6/30/2021 - How it works: Add card to PayPal | Pay w/ PayPal using your Card | Automatic statement credit issued Delta SkyMiles Gold American Express Card: - $10/mo. Credit - U.S. restaurants - Feb. 01 - Dec. 31, 2021 - Up to $110 Delta SkyMiles Platinum American Express Card - $15/mo. Credit - U.S. restaurants - Feb. 01 - Dec. 31, 2021 - Up to $165 Delta SkyMiles Reserve American Express Card - $20/mo. Credit - U.S. restaurants - Feb. 01 - Dec. 31, 2021 - Up to $220 Hilton Honors American Express Card - $5/mo. Credit - U.S. restaurants - Feb. 01 - Dec. 31, 2021 - Up to $55 Hilton Honors Surpass American Express Card - $10/mo. Credit - U.S. restaurants - Feb. 01 - Dec. 31, 2021 - Up to $110 Hilton Honors Aspire American Express Card - $20/mo. Credit - U.S. restaurants - Feb. 01 - Dec. 31, 2021 - Up to $220 Marriott Bonvoy American Express Card - $10/mo. Credit - U.S. restaurants - Feb. 01 - Dec. 31, 2021 - Up to $110 Marriott Bonvoy Brilliant American Express Card - $20/mo. Credit - U.S. restaurants - Feb. 01 - Dec. 31, 2021 - Up to $220 MONTHLY CREDITS - AMEX BUSINESS CREDIT CARDS Delta SkyMiles Gold Business Card - $10/mo. Credit - U.S. Wireless Services - Feb. 01 - Dec. 31, 2021 - Up to $110 Delta SkyMiles Platinum Business Card - $50/mo. Credit - U.S. Wireless Services - Feb. 01 - Dec. 31, 2021 - Up to $165 Delta SkyMiles Reserve Business Card - $20/mo. Credit - U.S. Wireless Services - Feb. 01 - Dec. 31, 2021 - Up to $220 Hilton Honors Business Card - $10/mo. Credit - U.S. Wireless Services - Feb. 01 - Dec. 31, 2021 - Up to $110 Marriott Bonvoy Business Card - $15/mo. Credit - U.S. Wireless Services - Feb. 01 - Dec. 31, 2021 - Up to $165 SPEND BONUSES Amex Delta Credit Cards - Delta Purchases: Earn up to 5X miles on eligible Delta purchases thru 12/31/2021. - Delta Status: Receive 25% more Medallion Qualification Miles (MQMs) thru 12/31/2021. - Examples: - Delta SkyMiles Platinum: Earn 12,500 MQMs (instead of 10,000) for every $25K spent, up to 2 times. - Delta SkyMiles Reserve: Earn 18,750 MQMs (instead of 15,000) for every $30K spent, up to 4 times. Hilton Credit Cards Earn 10,000 additional Hilton Honors bonus points after spending $5,000 on purchases through June 30, 2021, up to 10 times. Marriott Credit Cards Earn 7,500 additional Marriott Bonvoy points after spending $7,500 on purchases through Dec. 31, 2021, up to 10 times. WHERE TO FIND THESE AMEX OFFERS 1. Log into Amex account 2. Scroll down to ‘Amex Offers & Benefits’ 3. Select ‘Add to Card’ NOTE: To qualify for all offers mentioned, you must have been a card member since Jan. 1, 2021. Exceptions: Amex Gold Card & Amex Platinum Card benefits are available to new card applicants. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #travelcreditcards #americanexpress 2021-02-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343466/chase-sapphire-reserve-review-2020 https://gamma.videonest.org/343466_thumbnail_resized_v2.webp https://gamma.videonest.org/343466_video_v3.mp4 CHASE SAPPHIRE RESERVE REVIEW 2020! The Chase Sapphire Reserve is an extremely popular credit card and it’s one of the best credit cards for travel. Let’s do a full review and discuss why! Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS (as of Jan. 2021) Earn 50,000 Chase Ultimate Rewards points after spending $4,000 in the first 3 months. The approximate value is $500 to $750+ depending on how you redeem your points. ANNUAL FEE = $0 EARN CHASE ULTIMATE REWARDS POINTS 3X Travel 3X Dining 3X Grocery Stores: Up to $1K spend / mo. thru 4/30/2021 1X Everything Else WHAT COUNTS AS TRAVEL FOR CHASE SAPPHIRE RESERVE airlines hotels motels timeshares car rental agencies cruise lines travel agencies discount travel sites campgrounds passenger trains buses taxis limousines ferries toll bridges highways parking lots garages LEARN MORE (including dining & other categories): https://www.chase.com/personal/credit-cards/rewards-category-faq REDEEM CHASE ULTIMATE REWARDS POINTS - Travel (Chase Transfer Partners): 2.0¢ per point (average) - Travel (Chase Travel Portal): 1.5¢ per point (flat rate) - Pay Yourself Back (Statement Credit, select categories): 1.5¢ per point (flat rate) - Cash Back (Statement Credit or Deposit): 1.0¢ per point (flat rate) CHASE TRANSFER PARTNERS Aer Lingus, AerClub British Airways Executive Club Emirates Skywards Flying Blue Air France KLM Iberia Plus JetBlue TrueBlue Singapore Airlines KrisFlyer Southwest Airlines Rapid Rewards United MileagePlus Virgin Atlantic Flying Club IHG Rewards Club Marriott Bonvoy World of Hyatt CHASE SAPPHIRE RESERVE BENEFITS - Travel Credit: $300 per year for travel purchases. (Through 6/30/2021, gas station & grocery store purchases will also count.) - TSA Precheck or Global Entry Credit: Up to $100 every 4 years - Airport Lounge Access: Priority Pass Select membership - Luxury Hotel & Resort Collection: VIP perks at top hotels & resorts - DoorDash: DashPass for 1 year, PLUS $120 statement credits* - Lyft: Earn 10X points thru March 2022, PLUS Lyft Pink for 1 year* - Peloton: $120 back on Peloton Digital / All-Access Membership* - No Foreign Transaction Fees NOTE: Partner benefits have expiration dates / enrollment deadlines. INSURANCE & PROTECTIONS - Trip Cancellation / Interruption Insurance - Auto Rental Collision Damage Waiver - Lost Luggage Reimbursement - Trip Delay Reimbursement - Emergency Evacuation & Transportation - Purchase Protection - Return Protection - Extended Warranty Protection SHOULD YOU GET IT? YES if you… - Travel frequently - Spend broadly on Travel & Dining - Will spend $300+ on travel each year - Value Chase’s transfer partners - Will use partner benefits - Want to pool points for travel with Freedom Unlimited, Freedom Flex and/or Ink Business credit cards NO if you… - Prefer cash back - Don’t like high annual fees - Don’t travel often - Want the greatest # of options to fly internationally in business/1st Class cabins GOOD TO KNOW - Subject to Chase 5/24 Rule - Subject to 48-Month Rule: The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. - Downgrade to lower-tier cards after 1 year is possible - Authorized users cost $75 per person, per year - Metal card OTHER CHASE CREDIT CARDS TO CONSIDER (All of these earn Ultimate Rewards points that can be combined) - Chase Sapphire Preferred - Chase Freedom Flex - Chase Freedom Unlimited - Chase Ink Business Preferred - Chase Ink Business Unlimited - Chase Ink Business Cash OTHER TRAVEL CREDIT CARDS TO CONSIDER - US Bank Altitude Reserve (great for earning 3X via mobile wallets) - Citi Prestige Card (earns Citi ThankYou points) - Citi Prestige Card (earns Citi ThankYou points) - Amex Platinum Card (earns Membership Rewards points) - Amex Green Card (earns Membership Rewards points) - Wells Fargo Propel American Express Card (earns GoFar Rewards points that have equal value for travel & cash back; no transfer partners) - Capital One Venture Card (earns Venture miles that give the best value for covering travel charges) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #travelcreditcards #chasesapphire 2021-01-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343467/3-airline-credit-cards-no-annual-fee-delta-skymiles-blue-or-aadvantage-mileup-or-united-gateway https://gamma.videonest.org/343467_thumbnail_resized_v2.webp https://gamma.videonest.org/343467_video_v3.mp4 3 Airline Credit Cards NO ANNUAL FEE! (Delta SkyMiles Blue | AAdvantage MileUp | United Gateway) Here are 3 airline credit cards with no annual fee to help you earn miles at home on everyday categories! Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CREDIT CARD 1: DELTA SKYMILES BLUE AMERICAN EXPRESS CARD Signup Bonus (as of Jan. 2021) Earn 10,000 Delta SkyMiles after spending $500 in the first 3 months. The approximate value is $120 on average. Annual Fee = $0 Earn Delta SkyMiles 2X Delta 2X Restaurants 1X Everything Else Redeem Delta SkyMiles Best used for flights on Delta Airlines or SkyTeam alliance partners. Average value per mile is 1.2¢ each. Delta SkyMiles Blue Card Benefits - 20% Back on In-Flight Purchases: Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets. - Pay With Miles: Take up to $50 off the cost of your flight for every 5,000 miles you redeem - No Foreign Transaction Fees CREDIT CARD 2: AMERICAN AIRLINES AADVANTAGE MILEUP CARD Signup Bonus (as of Jan. 2021) Earn 10,000 AAdvantage miles and a $50 statement credit after spending $500 in the first 3 months. Approximate value = $140 on average for the miles; around $190 for the entire bonus including the credit. Annual Fee = $0 Earn AAdvantage Miles 2X American Airlines 2X Grocery Stores 1X Everything Else Redeem AAdvantage Miles Best used for flights on American Airlines or OneWorld alliance partners. Average value is 1.4¢ per mile. AAdvantage MileUp Card Benefits - 25% Savings Inflight: Enjoy 25% savings on all American Airlines inflight purchases when you use your card NOTE: There IS a foreign transaction fee of 3% on this credit card. CREDIT CARD 3: UNITED GATEWAY CREDIT CARD Signup Bonus (as of Jan. 2021) Earn 10,000 United MileagePlus miles after spending $1,000 in the first 3 months. Approximate value is $130 on average. Annual Fee = $0 Earn United Miles 3X Grocery Stores: Up to $1,500/mo. | Expires 9/30/2021 2X United 2X Gas Stations 2X Local Transit & Commuting: Incl. ride shares, taxis, trains, tolls and mass transit 1X Everything Else Redeem United Miles Best for flights on United Airlines or Star Alliance partners. Average value is 1.3¢ per mile. United Gateway Card Benefits - 25% Back on In-Flight Purchases: 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your United Gateway Credit Card - No Blackout Dates: Enjoy expanded award availability when you use miles to book any United-operated flight, any time, with no restrictions or blackout dates - No Foreign Transaction Fees WHICH CARD IS BEST? - All 3 credit cards are ideal for infrequent fliers on the 3 airline carriers who want to earn miles at home with no annual fee. The standout feature of each card is as follows: - Delta SkyMiles Blue: Pay With Miles feature - AA MileUp Card: Inflight discount of 25% - United Gateway Card: Expanded award availability WHICH CARD TO GET? Get the DELTA SKYMILES BLUE CARD if you… - Fly Delta 1-2 times per year - Value inflight discounts + Pay With Miles + No FTFs - Spend at restaurants - Want a downgrade path with no annual fee Get the AADVANTAGE MILEUP CARD if you… - Fly AA 1-2 times per year - Value inflight discounts - -Spend at grocery stores Want a downgrade path with no annual fee Get the UNITED EXPLORER CARD if you… - Fly United 1-2 times per year - Value inflight discounts + better award availability - Spend on gas & transit (and/or groceries thru 9/30/2021) - Want a downgrade path with no annual fee AVOID ALL 3 CARDS IF YOU… - Fly 3+ times per year on these airlines - Want elite-like perks (free checked bags, priority boarding, etc.) - Want to earn a lot of miles quickly OTHER TRAVEL CREDIT CARDS TO CONSIDER (Not specific to airlines) - Amex Platinum Card - Amex Gold Card - Amex Green Card - Chase Sapphire Preferred Card - Chase Sapphire Reserve Card - Citi Prestige Card - Citi Premier Card - Capital One Venture Card - US Bank Altitude Reserve Card - Bank of America Travel Rewards Card - Bank of America Premium Rewards Card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #travelcreditcards #airlinecreditcards 2021-01-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343468/bank-of-america-cash-rewards-card-review-bank-of-america-customized-cash-rewards https://gamma.videonest.org/343468_thumbnail_resized_v2.webp https://gamma.videonest.org/343468_video_v3.mp4 BANK OF AMERICA CASH REWARDS CARD Review (Bank of America Customized Cash Rewards) The Bank of America Cash Rewards Credit Card is one of the BEST cash back credit cards with no annual fee and lets YOU CHOOSE your own 3% cash back category! Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS (as of Jan. 2021) Earn $200 cash back after spending $1K in the first 90 days. Also receive 0% APR for the first 12 months on new purchases. ANNUAL FEE = $0 EARN CASH BACK - 3% Choice Category* (Choose from: Travel, Dining, Gas, Online Shopping, Drug Stores, and Home Improvement / Furnishings) - 2% Grocery Stores* - 2% Wholesale Clubs* - 1% Everything Else *On the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. 3% CHOICE CATEGORY: HOW TO CHOOSE - Use your online Bank of America account or the Bank of America mobile app - Default selection = Gas - You can change the category once per calendar month - If you don’t make a change, it will remain the same each month 3% CHOICE CATEGORY: WHAT COUNTS? Check out this link for the details: https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/cash-back-category-choices/ BANK OF AMERICA PREFERRED REWARDS PROGRAM This link provides the details: https://www.bankofamerica.com/preferred-rewards/ REDEEM CASH BACK - Statement Credit - Deposit to BoA Checking / Savings account - Credit to eligible account with Merrill ^^ These 3 options have no minimum redemption requirement - Redemptions for a contribution to a qualifying 529 account with Merrill or for a check start at $25. You may set up automatic redemptions into an eligible Bank of America, Merrill account. Automatic redemptions start at $25. Statement credits, checks and contributions into a qualifying 529 account are not eligible for automatic redemption enrollment. BANKAMERIDEALS Earn additional cash back rewards at select merchants. INSURANCE & PROTECTIONS - Extended warranty protection - Travel accident insurance - Car rental insurance NOTE: This list may not be accurate or complete. GOOD TO KNOW - Foreign Transaction Fee = 3% - You can qualify for the Preferred Rewards program with deposit accounts (e.g., checking account and/or savings account). Investment accounts with Merrill Lynch also qualify. - Bank of America has other credit cards with 3% choice categories. You can apply for all of them and choose a different choice category on each 😎 - Having a banking relationship with BoA may help you get approved for their credit cards OTHER BANK OF AMERICA CREDIT CARDS WITH 3% CHOICE CATEGORIES - Bank of America Cash Rewards Secured Credit Card - Bank of America Cash Rewards Credit Card - Susan G. Komen Cash Rewards Visa - MLB credit card - World Wildlife Fund credit card - U.S. Pride credit card SHOULD YOU GET IT? YES if you… - Like cash back rewards - Want a credit card with no annual fee - Spend a lot in any of the 3% categories - Have deposit accounts with Bank of America - Have investment accounts with Merrill Lynch NO if you… - Prefer travel rewards, especially those with transfer partners like Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou points, and Capital One Venture Miles. OTHER CASH BACK CREDIT CARDS TO CONSIDER… - Chase Freedom Flex - Chase Freedom Unlimited - Amex Blue Cash Everyday - Citi Double Cash credit card - US Bank Altitude Go card - US Bank Cash Plus Card - Wells Fargo Propel Card - Apple Card - Discover it Cash Back Credit Card - Discover it Secured Credit Card (best credit card for beginners with no credit history) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcardsforbeginners #creditcards101 2021-01-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343469/credit-cards-101-should-you-carry-a-balance-on-credit-card https://gamma.videonest.org/343469_thumbnail_resized_v2.webp https://gamma.videonest.org/343469_video_v3.mp4 CREDIT CARDS 101: Should You Carry a Balance On Credit Card? Carry a balance or pay in full every month? It’s a question asked all the time! Click "Show More" to see Ad Disclosure. Or asked a different way: “Should I carry a credit card balance to increase my credit score?” For those of you looking for a straight answer, here it is: NO. This video will explain why ;-) 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull QUESTION 1: Should you carry a credit card balance to increase your credit score? ANSWER: NO. Let’s see why… Carrying a small balance month to month is based on a misunderstanding. - It’s GOOD to have at least a small balance be reported each month. Reported means your balance is sent to the credit reporting bureaus (Experian, TransUnion, Equifax) to calculate your credit score. - It’s BAD to carry that balance from one month to the next. LET ME EXPLAIN FURTHER… GOOD: Letting a balance report to the bureaus can demonstrate: a. Use of your card b. Good payment history when you pay your bill on time c. Responsible management of your card by not using a high % of your limit BAD: Carrying a balance month to month will charge you interest, meaning… a. Your balance will increase every month b. You’ll owe more to the bank when you pay it off c. You’re more likely to fall into debt WHAT TO DO INSTEAD: 4 STEPS 1. Use your credit card to pay for the things you would normally buy with cash (food, utilities, gas, etc.) 2. Let your balance get reported to the bureaus. This usually occurs 1x per month (not daily) on your close date. (Exception: U.S. Bank reports your balance on the last (business) day of the month). 3. Get your bill (also called a statement) and look at the due date. 4. Pay off your full credit card balance on or before the due date. FOLLOWING THOSE 4 STEPS WILL… - Build payment history | 35% of your credit score - Show management of your utilization | 30% of your credit score - Increase credit age when done over time | 15% of your credit score - Avoid all interest charges - Keep you out of credit card debt QUESTION 2: Should you carry a credit card balance for any reason…ever? ANSWER: NO, with 1 exception… THE 1 EXCEPTION… If you have an emergency or big / unexpected expense…can’t pay for it now…but will be able to a few months later…consider getting a credit card with 0% APR on new purchases for 12+ months. That will allow you to carry a balance from month to month without paying any interest. That said, be sure to pay off the entire balance before the promotional APR rate expires so that you don’t pay massive interest charges at the end. GREAT CREDIT CARDS FOR BEGINNERS - No Credit Score - Discover it Secured Credit Card - Secured Mastercard from Capital One - Citi Secured Mastercard - Petal Credit Card (Petal 1 Credit Card | Petal 2 Credit Card) GREAT CREDIT CARDS FOR BEGINNERS - Already Have 6-12 Months of Credit History - Amex Platinum Card - Amex Gold Card - Amex Green Card - Chase Freedom Flex - Chase Freedom Unlimited - Chase Sapphire Preferred - Chase Sapphire Reserve - Bank of America Cash Rewards Card - Citi Double Cash - Amex EveryDay Card - Amex Blue Cash Everyday Card - Amex Blue Cash Preferred Card - Discover it Cash Back Credit Card - US Bank Altitude Go Card - US Bank Cash+ Card - Capital One Quicksilver Card - Capital One Venture Card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcardsforbeginners #creditcards101 2021-01-23T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343470/us-bank-altitude-go-review https://gamma.videonest.org/343470_thumbnail_resized_v2.webp https://gamma.videonest.org/343470_video_v3.mp4 U.S. BANK ALTITUDE GO REVIEW! The U.S. Bank Altitude Go Visa Signature Card is a VERY GOOD cash back credit card with no annual fee. Click "Show More" to see Ad Disclosure. It’s also one of the best credit cards for dining, and a good choice for other everyday categories, too. Here’s a full review to help you determine if it’s a good fit for your wallet! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS (as of January 2021) Earn 25,000 US Bank Altitude points worth $250 cash back after spending $1,000 in the first 90 days. Also receive 0% APR for the first 12 months on new purchases and balance transfers. ANNUAL FEE = $0 EARN POINTS / CASH BACK 4X Dining, including takeout & delivery 2X Grocery Stores, including delivery 2X Gas Stations 2X Streaming Services 1X Everything Else REDEEM PIONTS / CASH BACK - Travel: 1.0¢ per point in value - Cash Back: 1.0¢ per point in value US BANK ALTITUDE GO BENEFITS - Streaming Bonus: Receive a $15 streaming service credit after 11 months of streaming service purchases each year. - Real Time Rewards: Shop nearly anywhere and redeem points to cover your purchases instantly from your phone. - No Foreign Transaction Fees INSURANCE & PROTECTIONS - Auto rental collision damage waiver - Roadside dispatch - Travel & emergency assistance services - Extended warranty protection SHOULD YOU GET IT? YES if you… - Like cash back rewards - Spend frequently at restaurants - Spend moderately on gas & groceries NO if you… - Prefer travel rewards - Spend A LOT on groceries and/or gas - Want a single card for everything HOW IT COMPARES… Capital One Savor Card | Annual Fee = $95 4% Dining 2% Groceries 4% Entertainment 1% Everything Else Capital One SavorOne Card | Annual Fee = $0 3% Dining 2% Groceries 2% Entertainment 1% Everything Else US Bank Altitude Go Card | Annual Fee = $0 4% Dining 2% Groceries 2% Gas 2% Streaming 1% Everything Else Amex Blue Cash Everyday Card | Annual Fee = $0 3% Groceries 2% Gas 2% Department Stores (select ones only) 1% Everything Else Amex Blue Cash Preferred Card | Annual Fee = $95 6% Groceries 6% Streaming 3% Gas 3% Transit 1% Everything Else GOOD TO KNOW - Points earned on the US Bank Altitude Go cannot be transferred to the US Bank Altitude Reserve to get the 50% redemption boost toward travel. - A preexisting relationship with U.S. Bank is NOT required to get the Altitude Go card (but is required for Altitude Reserve). - It’s a metal card (i.e. plastic + metal hybrid) OTHER CASH BACK CREDIT CARDS WITH NO ANNUAL FEE TO CONSIDER - Chase Freedom Flex Card - Chase Freedom Unlimited Card - Bank of America Cash Rewards card - Citi Double Cash Card - PayPal Cashback Mastercard - Fidelity Rewards Visa Signature Card - Wells Fargo Propel Card - Apple Card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcardsforbeginners #creditcards101 2021-01-21T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343471/chase-524-rule-explained-best-chase-credit-card-strategy https://gamma.videonest.org/343471_thumbnail_resized_v2.webp https://gamma.videonest.org/343471_video_v3.mp4 CHASE 5/24 RULE EXPLAINED! (Best Chase Credit Card Strategy) Learn what the Chase 5/24 Rule is and the best Chase credit card strategy to maximize your credit card applications! Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull THE CHASE 5/24 RULE EXPLAINED Chase will automatically deny a credit card application if you’ve opened 5 or more cards with any bank in the last 24 months that appear on your credit report. TRANSLATION… In order to be eligible for a Chase credit card, you need to have 4 or fewer new credit card accounts on your credit report in the last 24 months. IMPORTANT The Chase 5/24 Rule is NOT the only requirement to get approved with Chase. They still look at your credit score, credit factors, income, debts, card usage and more just like any other credit card application from another bank. WHAT COUNTS TOWARDS CHASE 5/24 - Personal Credit Cards from all banks opened within the past 24 months that are still open. This includes personal charge cards. - Personal Credit Cards from all banks opened within the past 24 months that were already cancelled / closed. This includes personal charge cards. - Business Credit Cards issued by Discover, TD Bank and Capital One. Reason: These business cards DO show up on your personal credit report (Exception: Capital One Spark Cash cards no longer report for new applications). - Authorized User Credit Cards from someone else’s personal credit card account or charge card account (Workaround: Call the Chase Reconsideration Line to have these excluded from your 5/24 count). - Store Credit Cards that are part of a national payment network (Visa, Mastercard, etc.). Possible that single-location store cards now count. WHAT DOES NOT COUNT TOWARDS CHASE 5/24 - All credit/charge cards for which you apply but get denied. Reason: Inquiries do not count toward 5/24. - Business credit cards from other banks for which you apply and get approved (exceptions mentioned on prior slide). Reason: Most business credit cards DO NOT report to your personal credit report, so Chase won’t see them. - Business credit cards issued by Chase: You need to be under 5/24 to get approved, but once you are approved, your 5/24 count will not increase. - Non-Bank-Card Products: Mortgages, auto loans, student loans, etc. do not count toward 5/24. Reason: Only bank cards count. HOW TO CHECK CHASE 5/24 STATUS - VIA MOBILE APP 1. Sign up for a Credit Karma account 2. Download Credit Karma app and sign in 3. Select TransUnion or Equifax box 4. Tap on Total accounts 5. Count all bank cards opened within the last 24 months HOW TO CHECK CHASE 5/24 STATUS - VIA DESKTOP / LAPTOP 1. Sign up for a Credit Karma account 2. Sign in via this link: https://www.creditkarma.com/myfinances/creditreport/#accounts 3. Click on Accounts tab 4. Click on Open Date to sort all accounts from oldest to newest 5. Count all bank cards opened within the last 24 months POTENTIAL CHASE 5/24 BYPASS If you see a ‘Black Star’ - For Business Owners offer under the ‘Just For You’ section of the Main Menu, the offer might bypass the 5/24 Rule. CHASE 5/24 STRATEGY FOR CREDIT CARD APPLICATIONS 1. If you’re early in your credit journey and want Chase cards, get those first. Reason: You can get approvals with other banks after 5/24, but not Chase. 2. If you always want to be eligible for a Chase card, do not apply for more than 2 credit cards per year. Reason: 2 cards per year = 4 cards in 24 months, meaning you’ll always be below 5/24. 3. If you’re at or over 5/24…want to get back under…but still want more cards & signup bonuses…then apply for BUSINESS credit cards. Reason: Most business cards will not increase your 5/24 count. (Note exceptions with Discover, TD Bank and Capital One; others could exist, too.) 4. On the exact day you fall below 5/24, STILL WAIT at least until the 1st day of the following month before applying for a Chase credit card. Reason: Chase’s system may need time to refresh and for your credit report to be updated. (Note: I recommend waiting 30 days.) Credit Cards Subject to Chase 5/24 Rule ALL CHASE CREDIT CARDS, including... - Chase Freedom Flex - Chase Freedom Unlimited - Chase Sapphire Preferred - Chase Sapphire Reserve Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcardsforbeginners #creditcards101 2021-01-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343472/amex-gold-vs-chase-sapphire-preferred-2020 https://gamma.videonest.org/343472_thumbnail_resized_v2.webp https://gamma.videonest.org/343472_video_v3_converted.mp4 AMEX GOLD vs. CHASE SAPPHIRE PREFERRED 2020 Both the Amex Gold Card and Chase Sapphire Preferred card are among the best credit cards for travel without paying those top-tier annual fees. Discover which one is the best fit for you! Click "Show More" to see Ad Disclosure. Both of these travel credit cards (and metal credit cards by the way) are quite different despite their common ground. This video will be a Chase Sapphire Preferred Review AND an Amex Gold Card Review all in one video, PLUS a full comparison! In the end, it’ll help you decide which credit card is best for you! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CARD 1: AMERICAN EXPRESS GOLD CARD Signup Bonus Earn 60K Membership Rewards points after spending $4K in the first 6 mo. Value = $360 - $1,200 on average Annual Fee = $250 Earn Membership Rewards Points - 4X U.S. Supermarkets: Up to $25K spend / yr. - 4X Restaurants - 3X Flights - 1X Everything Else Redeem Membership Rewards Points - Travel (Amex Transfer Partners): 2.0¢ value (avg.) - Travel (Amex Travel Portal): 0.7¢ value for hotels car rentals, cruises & vacations | 1.0¢ value for flights - Cash Back (via Statement Credit): 0.6¢ value Amex Transfer Partners Aer Lingus Aer Club Aeromexico Air Canada Air France KLM Flying Blue Alitalia Millemiglia ANA Mileage Club Asia Miles Avianca Lifemiles British Airways Exec. Club Delta SkyMiles El Al Israel Airlines Emirates Skywards Etihad Guest Hawaiian Airlines Iberia Plus JetBlue TrueBlue Quantas Frequent Flier Singapore Airlines KrisFlyer Virgin Atlantic Flying Club Choice Privileges Hilton Honors Marriott Bonvoy Amex Gold Card Benefits - Dining Credit ($120/yr.): $10/mo. | Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, Shake Shack - Airline Fee Credit ($100/yr.): 1 airline | Incidentals| Ending 12/31/2021 - Uber Cash Benefit ($120/yr.): $10/mo. | Starting early 2021 - The Hotel Collection: $100 property credit | Room upgrade | 2+ consecutive nights - No Foreign Transaction Fees CARD 2: CHASE SAPPHIRE PREFERRED Signup Bonus Earn 60K Ultimate Rewards points after spending $4K in 3 mo. Value = $600 - $1,200 on average Annual Fee = $95 - 2X Travel - 2X Dining - 2X Grocery Stores: Up to $1K/mo. | Valid thru 4/30/2021 - 1X Everything Else Redeem Ultimate Rewards Points - Travel (Chase Transfer Partners): 2.0¢ value on average - Travel (Chase Travel Portal): 1.25¢ value - Pay Yourself Back: 1.25¢ value - Cash Back (via Statement Credit or Deposit): 1.0¢ value Chase Transfer Partners Aer Lingus, AerClub Air Canada Aeroplan (coming late 2021) Air France KLM Flying Blue British Airways Executive Club Emirates Skywards Iberia Plus JetBlue TrueBlue Singapore Airlines KrisFlyer Southwest Airlines Rapid Rewards United MileagePlus Virgin Atlantic Flying Club IHG Rewards Club Marriott Bonvoy World of Hyatt Chase Sapphire Preferred Benefits - Points Boost: Worth 25% more toward Travel (portal) + Pay Yourself Back - DashPass: 1 year (enroll by 12/31/2021, unless changed) - Lyft: Earn 5X points thru March 2022 (unless changed) - Peloton: $60 back on Peloton Digital or All-Access Membership, thru 12/31/2021 - Visa Signature Luxury Hotel Collection: Room upgrade, Free WiFi, Free breakfast for 2, $25 Food & Beverage Credit, Late Check-Out - No Foreign Transaction Fees (FTFs) WHICH CREDIT CARD IS BEST? AMEX GOLD CARD is best to… - Earn points on food & flights - Redeem points for international flights using transfer partners GET IT IF YOU… - Spend on Flights + Food - Value travel rewards - Are an international traveler - Use Uber & Grubhub, etc. CHASE SAPPHIRE PREFERRED CARD is best to: - Earn points on ALL travel - Redeem for any type of travel or use the Chase Pay Yourself Back feature GET IT IF YOU… - Spend broadly on Travel - Value travel + cash back rewards - Are a domestic / local international traveler - Use DoorDash + Lyft + Peloton - Fly Southwest + Stay at Hyatt GET BOTH CREDIT CARDS IF YOU… - Spend on travel + food - Redeem for travel - Value common transfer partners Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #travelcreditcard #americanexpress 2021-01-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343473/amex-platinum-vs-hilton-aspire-vs-marriott-bonvoy-brilliant-2021 https://gamma.videonest.org/343473_thumbnail_resized_v2.webp https://gamma.videonest.org/343473_video_v3.mp4 AMEX PLATINUM vs. HILTON ASPIRE vs. MARRIOTT BONVOY BRILLIANT 2021 There are 3 super premium Amex credit cards that everyone talks about, so it’s time to compare them all against each other! Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CARD 1: AMEX PLATINUM CARD Signup Bonus (as of Jan. 2021) - *TARGETED OFFER* Earn 100,000 Membership Rewards points after spending $5K in the first 6 months. Also earn 10X points per dollar at US Gas Stations and US Supermarkets for the first 6 months on up to $15K in combined spend. Approx. value = $600 - $2,000. Annual Fee = $550 Earn Membership Rewards Points - 5X Flights, Booked directly w/ airlines or AmexTravel.com - 5X Hotels, Prepaid via AmexTravel.com - 1X Everything Else Redeem Membership Rewards Points - Travel (Transfer Partners): 2.0¢ per point, average - Travel (Travel Portal): 0.7¢ per point for hotels, car rentals, cruises and vacations | 1.0¢ per point for flights - Cash Back (via Statement Credit): 0.6¢ per point Amex Platinum Card Benefits - PayPal Credit (Up to $180) $30/mo. | Valid thru Jun. 2021 - Uber Rides with Platinum ($200/yr.) $15/mo. | $35 in Dec. - Airline Fee Credit ($200/yr.) 1 airline | Incidental charges - Global Entry / TSA Pre (Up to $100) Every 4.5 years - Shop Saks with Platinum ($100/yr.) $50 Jan. – Jun. | $50 Jul. – Dec. - Global Lounge Collection Centurion Lounge, Delta SkyClub, Priority Pass, more - International Airline Program Lower fares | Up to 8 tickets / booking - The Hotel Collection $100 property credit | Room upgrade - Fine Hotels & Resorts Program Experience credit | Room upgrade | Daily breakfast for 2 | Early check-in (12PM) | Late check-out (4PM) | Free Wi-Fi - Elite Status Marriott Bonvoy Gold | Hilton Honors Gold | National Car Rental Emerald Club | Others… - No Foreign Transaction Fees CARD 2: MARRIOTT BONVOY BRILLIANT Signup Bonus (as of Jan. 2021) Earn 125,000 Marriott Bonvoy points, as follows: - Get 100K points after spending $5K in the first 3 months - Get 25K points after first anniversary Also receive Marriott Bonvoy Platinum Elite Status - Effective 2/01/2021 - 1/31/2022 - This offer expires on 1/13/2021 Approximate value of the signup bonus points: $1,000 (average) Annual Fee = $450 Earn Marriott Bonvoy Points - 6X Marriott - 3X U.S. Restaurants - 3X Flights - 2X Everything Else Redeem Marriot Bonvoy Points - Best for Marriott Hotels: 0.8¢ per point (average) Marriott Bonvoy Brilliant Benefits - Marriott Bonvoy Gold Status: Complimentary - Marriott Bonvoy Platinum Status: Spend $75K/yr. - 15 Elite Night Credits - Free Night Award: Pp to 50,000 points - $300 Marriott Bonvoy Statement Credit - $100 Marriott Bonvoy Property Credit - Up to $100 Credit for Global Entry or TSA Precheck - Complimentary Premium WiFi - Priority Pass Select - No Foreign Transaction Fees CARD 3: HILTON HONORS ASPIRE Signup Bonus (as of Jan. 2021) Earn 150,000 Hilton Honors points after spending $4K in the first 3 months. Approximate value = $900 (avg.) Annual Fee = $450 Earn Hilton Honors Points - 14X Hilton - 7X Flights - 7X Car Rentals - 7X U.S. Restaurants - 3X Everything Else Redeem Hilton Honors Points - Best for Hilton Hotels, 0.6¢ per point (average) Hilton Honors Aspire Benefits - Hilton Honors Diamond Status - Weekend Night Rewards (up to 2) - $250 Hilton Resort Credit - $250 Airline Fee Credit - $100 Hilton Property Credit - Priority Pass Select - No Foreign Transaction Fees WHICH IS THE BEST CREDIT CARD? AMEX PLATINUM CARD - Best for frequent travelers who want: - VIP experience across many brands - Flexible travel rewards GET IT IF YOU… - Spend a lot on flights, hotels & Uber - Travel with many brands - Value VIP experience + Airport lounges MARRIOTT BONVOY BRILLIANT - Best for frequent travelers who want: - ‘VIP-Lite’ experience at Marriott hotels - Free nights at Marriott GET IT IF YOU… - Stay at mid-level, upscale & luxury Marriott hotels - Value VIP Lite (or Full VIP) experience at Marriot hotels - Want to earn Marriott Bonvoy points HILTON HONORS ASPIRE - Best for frequent travelers who want: - Full VIP experience at Hilton hotels & resorts - Free nights at Hilton GET IT IF YOU… - Stay at mid-level, upscale & luxury Hilton hotels - Stay at Hilton resorts at least 1x per year - Value Full VIP experience at Hilton hotels - Want to earn Hilton Honors points Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. 2021-01-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343474/how-to-get-approved-for-citi-credit-cards-5-steps-from-a-preapproved-credit-card https://gamma.videonest.org/343474_thumbnail_resized_v2.webp https://gamma.videonest.org/343474_video_v3.mp4 HOW TO GET APPROVED For Citi Credit Cards! (5 Steps From A Preapproved Credit Card) I received a preselected offer for the Citi Rewards+ Card in the mail, and the information inside the envelope gave some GREAT INSIGHTS into how to get approved for the credit card. Click "Show More" to see Ad Disclosure. While the 5 criteria mentioned may not apply to all Citi credit cards, all credit card offers, or credit cards from other banks, most of them have more to do about your financial situation at large. So there’s a good chance you can take these criteria and use them to your advantage when applying for credit cards in the future. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull HOW TO GET APPROVED FOR CITI CREDIT CARDS (5 CRITERIA) NOTE: 9 out of 10 applicants who met the application criteria below have been approved [for a pre-selected Citi Rewards+ offer] 1. Their application was received before the offer had expired and all information was complete, readable, accurate and verifiable. 2. Monthly income exceeded monthly rent/mortgage payment by at least $1,000 (monthly income is the total annual income provided on your application divided by 12) or otherwise were determined to be able to meet monthly payments based on income, estimated living expenses and other debt. 3. They did not have a Citi credit card that was past due and did not have a credit card with a history of serious delinquency. 4. They did not have a bankruptcy in the last 7 years. 5. Their credit score had not deteriorated since they received the offer. CITI REWARDS PLUS CARD REVIEW (Light version) :D SIGNUP BONUS - as of January 2021 Earn 15,000 Citi ThankYou points after spending $1,000 in the first 3 months. EARN CITI THANK YOU POINTS 2X Supermarkets* 2X Gas Stations* 1X Everything Else *On up to $6,000 of combined spend per year, then 1X for the remainder of the year until it refreshes. Round Up! The Citi Rewards Plus card is (currently) “the only card that automatically rounds up to the nearest 10 points on every purchase – a $2 cup of coffee can earn 10 points. And a $22 dinner for two earns 30 points.” Points Back! Get 10% Points Back for the first 100,000 ThankYou Points you redeem per year Limits? There is no limit to the points you can earn and points you earn never expire (exception likely being if you close your card account and don’t have any other Citi credit cards open that earn ThankYou points). ANNUAL FEE None CITI CREDIT CARDS THAT EARN THANKYOU POINTS - Citi Prestige Card - Citi Premier Card - Citi ThankYou Preferred Card - Citi Rewards Plus Card - Citi Double Cash Card (need to convert cash back to ThankYou points online) OTHER CREDIT CARDS TO CONSIDER - Apple Card - Bank of America Cash Rewards Card - Amex Blue Cash Everyday - Amex EveryDay Card - Amex Blue Cash Everyday Preferred - Chase Freedom Flex - Chase Freedom Unlimited - Chase Sapphire Preferred - Capital One Venture - Capital One SavorOne - US Bank Altitude Go Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #citibank #citi 2021-01-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343475/watch-me-redeem-all-my-credit-card-rewards-for-cash-back-amex-points-chase-points-and-more https://gamma.videonest.org/343475_thumbnail_resized_v2.webp https://gamma.videonest.org/343475_video_v3.mp4 *WATCH ME* REDEEM ALL My Credit Card Rewards for Cash Back! (Amex Points, Chase Points & More!) That’s right! I’m redeeming ALL my credit card rewards points for cash back, and YOU can watch me do it! Click "Show More" to see Ad Disclosure. (Note: I'll be redeeming all my points with the exception of a few 'surplus points' that didn't quite make the cut for certain banks' minimum redemption requirements) :D Remember, the best credit card strategy is the one that rewards you best in the areas you spend the most, while giving you the type of rewards you value (cash back vs. travel rewards points). 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull REDEMPTION 1: AMERICAN EXPRESS I redeemed 115,000 Amex Membership Rewards points for $1,437.50 of cash back using my Amex Platinum Card Charles Schwab. The cash back went into my Charles Schwab brokerage account, which I can then use to invest or transfer to another checking account or savings account. The primary cards I used to earn these points were the Amex Platinum Card, Amex Gold Card and Amex Blue Business Plus Card. REDEMPTION 2: CHASE I redeemed 137,083 Chase Ultimate Rewards points for $1,370.83 of cash back through the Ultimate Rewards portal. The cash back was sent to my Chase checking account. The primary cards I used to earn these points were the Chase Sapphire Preferred, Chase Freedom Flex and Chase Freedom Unlimited. REDEMPTION 3: BBVA I redeemed 56,939 BBVA credit card points for $569.39 of cash back. The points were converted to a statement credit on my credit card. The card I used to earn these points was the BBVA Select Credit Card. REDEMPTION 4: U.S. BANK I redeemed 10,000 US Bank Altitude points for $100 of cash back. The points were converted to a statement credit on my credit card. The card I used to earn these points was the US Bank Altitude Reserve card. REDEMPTION 5: DISCOVER I redeemed $30.31 cash back rewards from my Discover it Cash Back Credit Card as a statement credit. REDEMPTION 6: AMAZON I redeemed 2,839 Amazon rewards points for $28.39 of cash back. These points were sent to my Chase checking account. The card I used to earn these points was the Amazon Prime Rewards Visa Signature card. REDEMPTION. 7: CAPITAL ONE I redeemed $1.71 of cash back rewards from my Capital One Spark Business Cash Select card as a statement credit. TOTAL POINTS REDEEMED: 321,861 TOTAL CASH BACK EARNED: $3,538.13 RATIONALE… The best way to get the most value for your Amex & Chase points is almost always going to be… 1. PREMIUM TRAVEL: Long-haul international flights in premium cabins and staying in luxury hotels 2. STANDARD TRAVEL: Domestic / short-haul international flights and staying in mid-tier to upscale hotels 3. PROMOTIONAL REDEMPTIONS: This includes limited-time offers to redeem your points for certain things at an increased value. Examples include Chase Pay Yourself Back, American Express gift card discounts, etc. HOWEVER… - I don’t do premium travel right now - I’ve got enough points with Marriott Bonvoy, Hilton Honors, Southwest Rapid Rewards and American Airlines AAdvantage miles for the next 1-2 years to cover my ‘standard travel.’ - I prefer to not be limited by specific redemption categories MY #1 GOAL RIGHT NOW IS… Increase my net worth, and redeeming my points for cash at 1.0¢ each or better fits into that strategy. 3 STEPS TO INCREASE YOUR NEXT WORTH 1. Decrease your expenses 2. Increase your income 3. Invest the surplus Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #cashback #creditcardrewards 2021-01-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343476/amex-platinum-card-benefits-at-home-2021-new-american-express-platinum-paypal-credit-and-more https://gamma.videonest.org/343476_thumbnail_resized_v2.webp https://gamma.videonest.org/343476_video_v3.mp4 Amex Platinum Card Benefits AT HOME 2021! (NEW American Express Platinum PayPal Credit & More) The American Express Platinum Card is one of the best travel credit cards for VIP travel benefits and earning points on select travel purchases. Click "Show More" to see Ad Disclosure. Since 2020 and 2021 are not big travel years, let’s do an Amex Platinum Card Review of the benefits you can use AT HOME :D 🎬VIDEO: Amex Offers! How To Save Money With Amex Offers: https://youtu.be/jDtkOFlb0d8 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull AMEX PLATINUM CARD BENEFIT #1: $30/mo PayPal Credit - Valid: Jan. 01 – Jun. 30, 2021 - How It Works: 1. Add Card to PayPal account 2. Select Card to pay at checkout 3. Receive automatic credit, up to $30, after purchase - Exclusions: Fees or interest charges, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments including those for goods and services, or purchases of other cash equivalents. - Learn More FAQs: https://www.americanexpress.com/en-us/campaigns/new-offers/charge/platinum-card-bwxvzkcs/paypal-faqs AMEX PLATINUM CARD BENEFIT #2: $200 Uber Credit - Valid: Ongoing, no end date known - How It Works: 1. Add Card to Uber account 2. Receive $15/mo. ($35 in December) automatically in the form of Uber Cash 3. Apply Uber Cash toward purchase - Works with: - Uber Rides - Uber Eats: Both pickup & delivery (incl. groceries in select locations) AMEX PLATINUM CARD BENEFIT #3: $100 Saks Credit - Valid: Ongoing, no end date known - How It Works: 1. Enroll in Amex account, then make purchase using Card 2. Receive automatic credit, up to $50, twice per year 3. Receive 1st $50 credit January – June and 2nd $50 credit July – December - Works at: - Saks Fifth Avenue - Saks.com - Note: You can double dip with shopping portals! (e.g. Rakuten, Chase Ultimate Rewards, etc.) AMEX PLATINUM CARD BENEFIT #4: ShopRunner Membership - Valid: Ongoing, no end date known - How It Works: 1. Enroll online in your Amex account 2. Choose ShopRunner during checkout at select merchants 3. Receive free 2-day shipping and free returns - Works with: - 100+ retailers - View list at: https://www.shoprunner.com/stores AMEX PLATINUM CARD BENEFIT #5: Amex Offers - Valid: Ongoing, no end date known - How It Works: 1. Add offers to your Card 2. Use Card during checkout at select merchants 3. Receive bonus points or statement credits automatically - Note: You can double dip with shopping portals (e.g. Rakuten, Chase Ultimate Rewards, etc.) AMEX PLATINUM CARD BENEFIT #6: Insurance & Protections Purchase Protection - Up to $10,000 per incident are protected against damage, loss or theft - Maximum of $50,000 in total claims per Card - Limited to 90 days from the date of purchase Return Protection - If a retailer does not accept a return, American Express will refund the entire purchase price up to $300 per item - Excludes shipping & handling fees - Maximum of $1,000 per calendar year Extended Warranty - 1 additional year of coverage at $10,000 per item - Up to $50,000 per calendar year CURRENT AMEX PLATINUM CARD SIGNUP BONUS Earn 75,000 Membership Rewards points (some people have seen 100K or 125K) after spending $5,000 in the first 6 months of card membership. Also earn 10X Membership Rewards points at US Gas Stations and US Supermarkets for the first 6 months on up to $15,000 of combined spend. OTHER CREDIT CARDS TO CONSIDER Amex Credit Cards - Amex Gold Card - Amex Green Card - Amex EveryDay Card - Amex EveryDay Preferred Card Note: All of these American Express Credit cards earn Membership Rewards points that can be combined in your online account. They also all provide access to Amex transfer partners. Chase Credit Cards - Chase Sapphire Reserve - Chase Sapphire Preferred Note: Both of these Chase credit cards earn Ultimate Rewards points that have elevated value when redeemed for travel. The cards also give you access to Chase transfer partners. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amexplatinum #americanexpress 2021-01-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343477/chase-freedom-flex-unboxing-best-chase-credit-card-or-cash-back-credit-cards https://gamma.videonest.org/343477_thumbnail_resized_v2.webp https://gamma.videonest.org/343477_video_v3.mp4 Chase Freedom Flex UNBOXING!! (Best Chase Credit Card | Cash Back Credit Cards) I received my new Chase Freedom Flex card in the mail and that means it’s time for an unboxing video! Click "Show More" to see Ad Disclosure. I’ll also show you the original Chase Freedom card design vs. the Chase Freedom updated design (i.e. the most recent redesign) vs. the Chase Freedom Flex design. While this isn’t a Chase Freedom Flex review video, I’ll mention some of the benefits below in case you’re interested in getting the card yourself! 🎬VIDEO: Chase Freedom Flex vs. Chase Freedom Unlimited: https://youtu.be/bwiPHP4cJ-Q 🎬VIDEO: How to Use Chase Ultimate Rewards: https://youtu.be/qGUHe0xfKFk 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CHASE FREEDOM FLEX REVIEW OF BENEFITS CHASE FREEDOM FLEX SIGNUP BONUS (as of early January 2021) - Earn $200 cash back (in the form of 20,000 Chase Ultimate Rewards points) after spending $500 in the first 3 months. - Also earn 5% cash back (i.e. 5X Chase Ultimate Rewards points) on grocery store purchases in the first year, up to $12K spend. NOTE: The grocery bonus for BOTH the Chase Freedom Flex and Chase Freedom Unlimited credit cards ends January 13, 2021. EARN CASH BACK 5% on rotating categories each quarter, up to $1.5K spend per quarter 5% on travel booked through the Chase Ultimate Rewards portal (i.e. Chase travel portal) 3% at restaurants 3% at drugstores 1% on everything else NOTE: All cash back is earned in the form of Chase Ultimate Rewards points, so 5% cash back is the same as saying 5X points. SHOP THROUGH CHASE Earn 1% - 15% extra cash back at over 200 popular retailers online. It’s like an online shopping portal that can be found in your Chase online account and at chase.com/UltimateRewards REDEEM CASH BACK Redeem your Chase UR points for things like: - Cash back - Gift cards - Shop with points at checkout at Amazon - Travel (flights, hotels, car rentals, cruises, etc.) - More! CHASE FREEDOM FLEX BENEFITS / INSURANCE / PROTECTIONS - Cell phone protection - Trip cancellation / interruption insurance - Zero liability protection - Auto rental collision damage waiver - Purchase protection - Extended warranty OTHER CHASE CREDIT CARDS TO CONSIDER The Chase Freedom Flex card works exceptionally well with the Chase Freedom Unlimited, Chase Sapphire Preferred and Chase Sapphire Reserve credit cards on the personal side … and the Chase Ink Business credit cards on the business side. These cards earn Ultimate Rewards points that can be pooled together, so having multiple cards that earn the same kind of rewards allows you to earn points a lot faster! Plus, the Sapphire Preferred, Sapphire Reserve and Ink Business Preferred all give you access to Chase transfer partners AND an additional boost in value when redeemed for travel (25% - 50%)! OTHER CASH BACK CREDIT CARDS TO CONSIDER If you’re looking for other cash back credit cards with no annual fee, I also recommend looking into the Citi Double Cash Card, Discover it Cash Back Credit Card, Wells Fargo Propel card and the US Bank Cash Plus card. All three are excellent options that can be used as part of an overall credit card strategy to maximize the cash back you earn in different categories. Note that for cards that offer rotating cash back categories each quarter, you’ll need to enroll / activate for the period. BE AWARE THAT… The Chase Freedom Flex card is a Mastercard, so you won’t be able to use it at Costco warehouses. If you’re a frequent shopper at Costco and already have the original Chase Freedom Card (which is a Visa), then you may want to keep it because ‘warehouses’ are oftentimes a 5% cash back category for at least one quarter of the year. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #chasefreedomflex #cashback 2021-01-01T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343478/credit-cards-101-what-credit-card-should-i-get-which-credit-card-is-best-for-me https://gamma.videonest.org/343478_thumbnail_resized_v2.webp https://gamma.videonest.org/343478_video_v3.mp4 CREDIT CARDS 101: What Credit Card Should I Get? (Which Credit Card Is Best for Me?) If you’ve ever asked, “Which credit card should I get next?” or “Which credit card has the best rewards?” then this video should give you a lot of clarity! Click "Show More" to see Ad Disclosure. There’s no one-size-fits-all approach. So, rather than show you the best credit cards for beginners or the best cash back credit cards with no annual fee, I’m going to introduce you to the CREDIT CARD STRATEGY that will guide you in applying for your first or next credit cards. Rather than apply for a card “just because,” there’s an actual through process to take that will lead you to the best credit cards for YOU. Let’s go! 🎬VIDEO: Cashback vs. Travel Points: https://youtu.be/TBXrI681OwU 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull DISCLAIMER The following recommendations are NOT hard rules to follow. Rather, they are general guidelines. Exceptions do exist. ~ CREDIT CARD TIP #1: If you’re applying for your first credit card ever, get a secured credit card. - Easy credit card approval - Focus = build credit, NOT credit card rewards - Build credit for 1 year ~ CREDIT CARD TIP #2: Identify the categories in which you spend most of your money each month. ~ CREDIT CARD TIP #3: Determine the type of credit card rewards you prefer. - Cash back - Travel rewards points & miles 4 Types of Travel Rewards Points a. AIRLINE MILES: BEST value when redeeming with 1 airline and/or its airline alliance partners. Example: United MileagePlus, American AAdvantage, Delta SkyMiles b. HOTEL POINTS: BEST value when redeeming with 1 hotel company. Example: Marriott Bonvoy, Hilton Honors, World of Hyatt c. FLEXIBLE POINTS: EQUAL value when redeeming for any flight, hotel, rental car, cruise, etc. Example: Wells Fargo GoFar Rewards, US Bank Altitude points, Bank of America points d. TRANSFERRABLE POINTS: BEST value when converting FROM bank points TO partner airline miles or partner hotel points. Example: Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou points, Capital One Venture miles Note: Some points are Flexible & Transferrable (Amex, Capital One, Chase, Citi) ~ CREDIT CARD TIP #4: Apply for the credit card(s) that give you the most rewards in the areas you spend. - Look for 3X points / 3% cash back (or better) in specific categories. - If you have ‘non-bonus spend’ in categories not covered by most cards, consider a card that earns 2X points / 2% cash back for those purchases. - Example: If you spend a lot on Dining + Entertainment + Utilities and value cash-back rewards, then consider getting the Capital One Savor Rewards card and the Citi Double Cash Card. ~ CREDIT CARD TIP #5: If there are Chase credit cards you want, get those first. - 5/24 Rule: Chase will automatically deny any credit-card application if you’ve opened 5+ cards with any bank that appear on your credit report within the last 24 months. EXAMPLES OF THE BEST CREDIT CARDS TO APPLY FOR Best Credit Cards for Groceries - Amex Blue Cash Everyday - 3% cash back, up to $6K spend per year - Amex Blue Cash Preferred - 6% cash back, up to $6K spend per year - Amex Gold Card - 4X points, up to $25K spend per year Best Credit Cards for Dining - US Bank Altitude Go - 4X points (4% cash back) - Capital One Savor Rewards card - 4% cash back - TD Cash Credit Card - 3% cash back Best Credit Cards for Gas Stations - PNC Cash Rewards Visa - 4% cash back - Wells Fargo Propel card - 3X points (3% cash back) - Costco Anywhere Visa - 4% cash back Best Credit Cards for Travel - Chase Sapphire Reserve - 3X points on all travel - Chase Sapphire Preferred - 2X points on all travel - Amex Green Card - 3X points on all travel - Amex Platinum Card - 5X points on flights & prepaid hotels - Amex Gold Card - 3X points on flights - Citi Premier Card - 3X points on flights and hotels Best Credit Cards for Online Shopping - Bank of America Cash Rewards card - 3% choice category (online shopping = an option) - Citi Double Cash Card - 2% cash back on all purchases - PayPal credit card (PayPal CashBack Mastercard) - 2% cash back on all purchases Best Secured Credit Cards - Discover it Secured card - Citi Secured credit card (Citi Secured Mastercard) - Capital One secured credit card (Secured Mastercard from Capital One) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcards101 #creditcardsforbeginners 2020-12-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343479/how-to-redeem-hilton-free-night-certificate-hilton-aspire-free-weekend-night https://gamma.videonest.org/343479_thumbnail_resized_v2.webp https://gamma.videonest.org/343479_video_v3.mp4 How To Redeem HILTON FREE NIGHT CERTIFICATE (Hilton Aspire Free Weekend Night) Ready to redeem your Hilton Weekend Night Reward? Click "Show More" to see Ad Disclosure. This video will show you how (with a LIVE CALL to Hilton so you can watch me redeem my Hilton Aspire Free Weekend Night)! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull There are 3 Hilton Honors credit cards that give you an annual weekend night reward. They are: - Hilton Honors Surpass Card - Hilton Honors Business Card - Hilton Honors Aspire Card (Note: The Hilton Honors American Express Card does not include a weekend night reward certificate - that’s the credit card with no annual fee). HOW TO GET HILTON WEEKEND NIGHT REWARDS 1. The HILTON HONORS SURPASS card gives you a Weekend Night Reward after spending $15,000 per year on the card. 2. The HILTON HONORS BUSINESS card gives you the FIRST Weekend Night Reward after spending $15,000 per year on the card and a SECOND Reward after spending $60,000 per year. 3. The HILTON HONORS ASPIRE card gives you the FIRST Weekend Night Reward on a complementary basis; there’s no spend requirement. Then, you can earn the SECOND Reward after spending $60,000 per year. HOW TO REDEEM HILTON WEEKEND NIGHT REWARDS 1. Receive via email: They will arrive approx. 8-12 weeks after meeting the requirement(s). 2. Each one expires 1 year after issuance. 3. Redeem via phone - Valid for 1 standard room on Friday, Saturday or Sunday nights - Excluded properties listed at: HiltonHonors.com/weekendreward - Covers resort fees + taxes - No limit on value / category / brand - Call: 1-800-4HONORS | 1-800-446-6677 4. There are 3 things to have for the call: a. Hilton Honors # b. Email access c. Reward ID (on email) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #hiltonhonors #americanexpress 2020-12-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343480/amex-everyday-vs-blue-cash-american-express-everyday-card-vs-amex-blue-cash-everyday-card https://gamma.videonest.org/343480_thumbnail_resized_v2.webp https://gamma.videonest.org/343480_video_v3.mp4 AMEX EVERYDAY VS. BLUE CASH (American Express EveryDay Card vs. Amex Blue Cash Everyday Card) The Amex EveryDay Card and the Amex Blue Cash Everyday Cards look similar and even have similar names. Click "Show More" to see Ad Disclosure. BUT these two Amex credit cards are meant for very different people and spending habits. Let’s do an Amex EveryDay review AND an Amex Blue Cash Everyday review in the same video, plus a side-by-side comparison! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CARD 1: AMERICAN EXPRESS EVERYDAY CARD Annual Fee = none Signup Bonus Earn 10,000 Amex Membership Rewards points after spending $1,000 in the first 3 months of card membership. The average value is $200 when redeemed for travel via Amex transfer partners. Earn Amex Membership Rewards Points 2X US Supermarkets - up to $6,000 spend per year, then 1X until the next year 1X Everything Else 20% bonus points if you use your Amex EveryDay Card 20+ times in a billing cycle Redeem Amex Membership Rewards Points 1. Travel via Transfer Partners | Average value = 2.0¢ each | 10,000 points = $200 2. Travel via Amex Travel Portal | Value = 0.7¢ each for Hotels, Car Rentals, Cruises & Vacations … or 1.0¢ each when redeemed for Flights | 10,000 points = $70 or $100 3. Cash Back via Statement Credit | Value = 0.6¢ each | 10,000 points = $60 Amex Transfer Partners for Membership Rewards Points Aer Lingus Aer Club Aeromexico Air Canada Air France KLM Flying Blue Alitalia Millemiglia ANA Mileage Club Asia Miles Avianca Lifemiles British Airways Delta SkyMiles El Al Israel Airlines Emirates Skywards Etihad Guest Hawaiian Airlines Iberia Plus JetBlue TrueBlue Quantas Frequent Flier Singapore Airlines KrisFlyer Virgin Atlantic Choice Privileges Hilton Honors Marriott Bonvoy Perks & Benefits - ShopRunner Membership: Free 2-day shipping & returns at select merchants - American Express Experiences: Exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more. CARD 2: AMEX BLUE CASH EVERYDAY CARD Annual Fee = none Signup Bonus Earn up to $300 cash back. - $100 cash back after spending $1,000 in the first 6 months - Up to $200 by earning 20% cash back on Amazon purchases during your first 6 months Earn Cash Back 3% U.S. Supermarkets | Up to $6K spend/yr. then 1% until the next year 2% U.S. Gas Stations 2% Select U.S. Dept. Stores* 1% Everything Else What counts as department stores with Amex? https://www.americanexpress.com/us/rewards-info/retail.html Redeem Cash Back - Cash Back via Statement Credit | Minimum redemption = $25.00 - Gift Cards | Sometimes these go on sale - Merchandise Perks & Benefits - Same as on the Amex EveryDay Card (see above) WHICH IS THE BEST CREDIT CARD? Amex EveryDay = Best credit card for travel Amex Blue Cash Everyday = Best credit card for cash back WHICH ONE SHOULD YOU GET? Get the EVERYDAY CARD if you… - Spend a lot at supermarkets - Do 20+ transactions per month - Prefer travel rewards Get the BLUE CASH EVERYDAY if you… - Spend a lot at supermarkets - Spend a lot at gas stations - Spend a lot at select department stores (see list, link above) - Prefer cash back rewards OTHER CASH BACK CREDIT CARDS TO CONSIDER - Citi Double Cash card - PayPal credit card | PayPal CashBack Mastercard - Fidelity Rewards Visa Signature card - Wells Fargo Propel Card - Amex Blue Cash Everyday Preferred card - Chase Freedom Flex - Chase Freedom Unlimited OTHER TRAVEL CREDIT CARDS TO CONSIDER - Chase Sapphire Preferred - Citi Premier Card - Capital One Venture Card - Amex Platinum Card - Amex Gold Card - Amex Green Card - Amex Everyday Preferred Card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2020-12-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343481/amazon-credit-card-review-2020-amazon-prime-rewards-visa-signature-card-review https://gamma.videonest.org/343481_thumbnail_resized_v2.webp https://gamma.videonest.org/343481_video_v3.mp4 AMAZON CREDIT CARD REVIEW 2020! (Amazon Prime Rewards Visa Signature Card Review!) Considering the Amazon Prime credit card? THIS VIDEO will help you make the right decision! Click "Show More" to see Ad Disclosure. The Amazon Prime Rewards Visa Signature card is one of the best cash back credit cards with no annual fee if you shop on Amazon.com and/or at Whole Foods Market. In this video I’ll do an in-depth Amazon Prime credit card review to go over all the card perks, benefits, cash back earning & redeeming methods, and more! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS Earn a $100 Amazon gift card instantly upon approval. There’s no spend requirement, and it will be added to your Amazon.com account automatically for immediate use! CARD CONSTRUCTION This is a METAL CREDIT CARD with NO ANNUAL FEE :D AMAZON CREDIT CARD LOGIN - Same as your online Chase account. Go to Chase.com and log into your account to manage your Amazon credit card account. CASH BACK - EARNING 5% Amazon 5% Whole Foods Market 2% Restaurants 2% Gas Stations 2% Drugstores 1% Everything Else NOTE: Cash back is earned in the form of points, where 1 point = 1¢ ($0.01). For example: 100 points = $1.00 1,000 points = $10.00 10,000 points = $100.00 CASH BACK - REDEEMING Redeem your Amazon cash back for: - Amazon.com purchases (thru Amazon.com) - Cash back, gift cards, and travel (thru Chase.com) All redemption options have the same value (i.e. 1 point = 1¢) ANNUAL FEE = $0* *NOTE: Amazon Prime Memberships cost $119/year, plus tax in select states. AMAZON CREDIT CARD BENEFITS - Bonus Rewards at Amazon: Up to 20% back on rotating Amazon categories and products - Prime Card Bonus: Get additional rewards on top of everyday 5% back. Bonus rewards offers are limited time offers exclusively for Amazon Prime Rewards Visa Card members with an eligible Prime membership while supplies last. INSURANCE & PROTECTIONS - Auto rental collision damage waiver - Baggage delay insurance - Roadside dispatch - No foreign transaction fees - Lost luggage reimbursement - Travel & emergency assistance - Travel accident insurance - Purchase protection - Extended warranty protection VISA SIGNATURE BENEFITS - Visa Signature Concierge Service - Visa Signature Luxury Hotel Collection GOOD TO KNOW Your card account will no longer earn 5% Back and will earn 3% Back instead if the Amazon.com account from which you applied for your card account or the Amazon.com account you confirmed and selected to earn 5% Back: (i) no longer has an eligible Prime membership (ii) no longer has your card account loaded in that Amazon.com account (iii) is closed (iv) is used to select a different card account to earn 5% Back at Amazon.com (v) is used to apply for another Amazon Prime Rewards Visa Signature card account that is approved and loaded in that Amazon.com account (that new card account will earn 5% Back at Amazon.com). CHASE 5/24 RULE The Amazon Prime Rewards credit card is subject to the Chase 5/24 Rule, whereby Chase will automatically deny all new applications if you’ve opened 5+ credit card with any issuer appearing on your credit report within the past 24 months. SHOULD YOU GET IT? YES if you… - Spend a lot at Amazon - Spend a lot at Whole Foods - Have an Amazon Prime membership - Value cash back - Want no annual fee - Want a long-term ‘keeper’ card NO if you… Don’t spend much on Amazon Don’t shop at Whole Foods Prefer travel rewards OTHER CASH BACK CREDIT CARDS TO CONSIDER - Citi Double Cash Card - PayPal CashBack Mastercard - Capital One Quicksilver card - Capital One Savor card and Capital One SavorOne card - Wells Fargo Propel card - Chase Freedom Flex card - Chase Freedom Unlimited card - Apple Card - American Express Blue Cash Everyday card - American Express Blue Cash Preferred Card OTHER TRAVEL CREDIT CARDS - Chase Sapphire Preferred - Chase Sapphire Reserve Both of these Chase credit cards work VERY well with other Chase cards. Basically these 2 unlock the ability for the Freedom Flex & Freedom Unlimited to become great credit cards for travel in addition to cash back. Even if you don't factor in the Chase Sapphire branded cards, the Amazon Prime Rewards card still works very well with Chase Freedom branded cards for an overall cash back credit cards strategy / Chase credit card strategy. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #AmazonPrime #cashbackcreditcards 2020-12-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343482/rumor-dollar750-annual-fee-marriott-bonvoy-brilliant-amex-update-or-plus-new-credit-card https://gamma.videonest.org/343482_thumbnail_resized_v2.webp https://gamma.videonest.org/343482_video_v3.mp4 *RUMOR!* $750 ANNUAL FEE?! (Marriott Bonvoy Brilliant Amex Update | PLUS New Credit Card!) The Marriott Bonvoy Brilliant American Express card is one of the best hotel credit cards out there to save money on travel and get access to elite status perks within the Marriott Bonvoy program. Click "Show More" to see Ad Disclosure. There are also other great hotel credit cards from Marriott, including: the Marriott Bonvoy Boundless card issued by Chase, the Marriott Bonvoy Bold card also issued by Chase and the Marriott Bonvoy Business Card issued by American Express. There are a bunch of great credit cards to choose from, BUT NOW there’s a survey going around from Amex / Marriott inquiring about a potential REFRESH to the Marriott Bonvoy Brilliant AND the possibility of launching a NEW mid-tier Marriott credit card! Let’s take a look at the details of the survey! Link to blog post on View From the Wing (written by Gary Leff) where I first learned about this: https://viewfromthewing.com/american-express-surveys-possible-750-marriott-credit-card 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 1. MARRIOTT BONVOY BRILLIANT - REFRESH RUMOR - VERSION 1 Credit Card Signup Bonus 100,000 Marriott Bonvoy points after spending $5,000 in the first 3 months Annual Fee - $750 Earning Marriott Bonvoy Points - 6X Marriott - 3X Everything Else Extra Points Per Stay - 5,000 bonus points each Marriott stay Marriott Free Night Certificate - Yes. Any Marriott hotel, anytime, after spending $50K in 1 year. Travel concierge - Yes. Get personal assistance with travel planning Access to amenities for no charge at Premium and Luxury Properties - $100/stay credit to use at Marriott Property - Early check-in, Late check-out Resort Fees - Waived resort fees Annual Credits - $240 statement credit for US restaurants Automatic Marriott Bonvoy Elite Status - Yes. Marriott Bonvoy Platinum Elite Status Priority Pass - Yes. Unlimited Visits. 2. MARRIOTT BONVOY BRILLIANT - REFRESH RUMOR - VERSION 2 Credit Card Signup Bonus 100,000 Marriott Bonvoy points after spending $5,000 in the first 3 months Annual Fee - $650 Earning Marriott Bonvoy Points - 6X Marriott - 3X Everything Else Extra Points Per Stay - No Marriott Free Night Certificate - Yes. Any Marriott hotel, anytime, after spending $50K in 1 year. Travel concierge - Yes. Get personal assistance with travel planning Access to amenities for no charge at Premium and Luxury Properties - $100/stay credit to use at Marriott Property - Daily breakfast for 2 Resort Fees - Waived resort fees Annual Credits - $240 statement credit for US restaurants Automatic Marriott Bonvoy Elite Status - Yes. Marriott Bonvoy Gold Elite Status, plus 30 elite night credits Priority Pass - No 3. NEW MARRIOTT BONVOY CREDIT CARD - RUMOR - VERSION 1 Credit Card Signup Bonus 85,000 Marriott Bonvoy points after spending $4,000 in the first 3 months Annual Fee - $195 Earning Marriott Bonvoy Points - 6X Marriott - 4X Restaurants (US) - 4X Supermarkets - 3X Everything Else Extra Points Per Stay - No Marriott Free Night Certificate - Yes, value up to 50K points. No spend requirement. Annual Credits - $120 statement credit for US restaurants Automatic Marriott Bonvoy Elite Status - Yes. Marriott Bonvoy Silver Elite Status, plus 15 elite night credits 4. NEW MARRIOTT BONVOY CREDIT CARD - RUMOR - VERSION 2 Credit Card Signup Bonus 85,000 Marriott Bonvoy points after spending $4,000 in the first 3 months Annual Fee - $250 Earning Marriott Bonvoy Points - 6X Marriott - 3X Everything Else Extra Points Per Stay - 5,000 bonus points per stay Marriott Free Night Certificate - Yes, value up to 50K points. No spend requirement. Annual Credits - $100/stay to use at any Marriott property Automatic Marriott Bonvoy Elite Status - Yes. Marriott Bonvoy Gold Elite Status Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #marriottbonvoy #amex 2020-12-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343483/7-easy-credit-card-signup-bonuses-best-cash-back-credit-card-bonus-2020 https://gamma.videonest.org/343483_thumbnail_resized_v2.webp https://gamma.videonest.org/343483_video_v3.mp4 7 EASY Credit Card SIGNUP BONUSES! (Best Cash Back Credit Card Bonus 2020) We’re at the end of 2020 and it’s time to save money / get some cash back to replenish your wallets! Click "Show More" to see Ad Disclosure. Here are the 7 BEST credit card bonuses that are: (a) Easy to get due to their low spend requirements (b) Obtained from credit cards with no annual fees (c) Best for cash back 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CREDIT CARD 1: CHASE FREEDOM FLEX CARD - Bonus = Earn $200 cash back after spending $500 in the first 3 months. PLUS earn 5% cash back at grocery stores for the 1st year on up to $12,000 spend. - APR = 0% for 15 months on new purchases - EARNING: 5% Quarterly Category | 5% Travel via Chase travel portal | 3% Dining | 3% Drugstores | 1% Other CREDIT CARD 2: CHASE FREEDOM UNLIMITED CARD - Bonus = Earn $200 cash back after spending $500 in the first 3 months. PLUS earn 5% cash back at grocery stores for the 1st year on up to $12,000 spend. - APR = 0% for 15 months on new purchases - EARNING: 5% Travel via Chase travel portal | 3% Dining | 3% Drugstores | 1.5% Other CREDIT CARD 3: CAPITAL ONE SAVORONE CARD - BONUS = Earn $250 cash back after spending $500 in the first 3 months - APR = 0% for 12 months on new purchases & balance transfers - EARNING: 3% Dining | 3% Entertainment | 2% Groceries | 1% Other CREDIT CARD 4: US BANK ALTITUDE GO CARD - BONUS = Earn 25,000 points after spending $1,000 in the first 3 months (worth $250) - APR = 0% for 12 months on new purchases - EARNING = 4X Dining | 2X Grocery | 2X Gas Stations | 2X Streaming Services | 1X Other CREDIT CARD 5: US BANK CASH PLUS CARD - BONUS = Earn $200 cash back after spending $500 in the first 3 months - APR = 0% for 12 months on balance transfers - EARNING = 5% Choice Category 1 | 5% Choice Category 2 | 2% Choice Category (different list) | 1% Other US Bank Cash+ Card Categories: https://cashplus.usbank.com/themes/cashplus2.0/pdfs/q56_categories.pdf In case the link above isn’t current, you can oftentimes view the current categories on this page (look for a link to the PDF): https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html CREDIT CARD 6: BANK OF AMERICA CASH REWARDS CARD - BONUS = Earn $200 cash back after spending $1,000 in the first 3 months - APR = 0% for 12 months on new purchases - EARNING: 3% Choice Category | 2% Groceries | 2% Wholesale Clubs | 1% Other CREDIT CARD 7: WELLS FARGO PROPEL CARD - BONUS = Earn 25,000 points after spending $1,000 in the first 3 months (worth $250) - APR = 0% for 12 months on new purchases & balance transfers - EARNING = 3X Travel | 3X Transit | 3X Dining | 3X Gas Stations | 3X Streaming | 1X Other Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcardbonus #cashbackcreditcards 2020-12-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343484/chase-freedom-flex-product-change-chase-freedom-to-freedom-flex-product-change https://gamma.videonest.org/343484_thumbnail_resized_v2.webp https://gamma.videonest.org/343484_video_v3.mp4 Chase Freedom Flex PRODUCT CHANGE! (Chase Freedom to Freedom Flex Product Change) The Chase Freedom Card was replaced by the newer Chase Freedom Flex card back in September 2020. Click "Show More" to see Ad Disclosure. I still had the Chase Freedom and decided it was time for a credit card UPGRADE (more of a credit card product change, but the new benefits are still an upgrade in my eyes)! :D 🎬 VIDEO: Chase Freedom Flex vs Unlimited: https://youtu.be/bwiPHP4cJ-Q 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull While this video is not a complete Chase Freedom Flex review (that’ll be a separate video), here are a few of the main highlights of the new Flex version. SIGNUP BONUS - December 2020 Earn $200 (i.e. 20,000 Chase Ultimate Rewards points) after spending $500 in the first 3 months. Also earn 5% cash back (i.e. 5X points) on grocery store purchases for the first year of card membership (up to $12K total spend). EARN CHASE ULTIMATE REWARDS POINTS - 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate. - 5% on travel purchased through Chase Ultimate Rewards - 3% on dining at restaurants, including takeout and eligible delivery services - 3% on drugstore purchases - 1% on all other purchases NOTE: Cash back is issued in the form of Chase Ultimate Rewards points where 1 point = 1¢. The 5% travel category is unlimited. The rotating 5% quarterly categories are capped at $1,500 spend (i.e. $75 cash back) per quarter, then 1% beyond that until the category refreshes the following quarter. ANNUAL FEE = none (This is one of the best cash back credit cards with no annual fee and one of the best credit cards for beginners after having built up your credit score with a secured credit card for one year!) The Chase Freedom Flex is a Mastercard (i.e. you cannot use it at Costco) ADDITIONAL WORLD ELITE MASTERCARD BENEFITS Cell Phone Insurance – Up to $800 per claim and $1,000 per year in cell phone protection against theft or damage for phones listed on cardmembers’ monthly bill. Lyft – $10 in credit for every 5 rides taken in a calendar month, automatically applied to the next ride and capped at once per month. Boxed – 5% cash rewards on Boxed purchases for use on future purchases. ShopRunner – Free membership to receive two-day shipping and free return shipping at over a hundred online retailers. Fandango – Double VIP+ points for movie tickets purchased via the Fandango app or Fandango.com, which can be used towards purchasing movie tickets on Fandango or towards streaming movies and TV shows on FandangoNOW. 3 THINGS TO KNOW - Doing a Chase Freedom Flex product change FROM the original Chase Freedom card means a new 16-digit account number will be issued - Your credit card account history is preserved, including your credit card payment history, credit card age, credit limit, etc. - If your Chase Freedom Card is currently enrolled in mobile wallet (e.g. Apple Pay, Android Pay, Samsung Pay, etc.), it will deactivate. You’ll need to add the Freedom Flex to your mobile wallet again. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #chasefreedomflex #creditcards101 2020-12-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343485/amex-platinum-retention-offer-2020 https://gamma.videonest.org/343485_thumbnail_resized_v2.webp https://gamma.videonest.org/343485_video_v3.mp4 Amex Platinum RETENTION OFFER 2020! The American Express Platinum Card annual fee posted to my Amex account (a lovely $550)! Click "Show More" to see Ad Disclosure. However, if you have a credit card with an annual fee, you’ll always want to ensure you receive more value from it than you pay each year. 2020 was NOT the year for travel, and since most of the Amex Platinum Card benefits are travel related, it didn’t make sense to pay $550 for the next 12 months of card membership. SO…I asked for an Amex Platinum Card RETENTION OFFER :D This video shows my TWO conversations with Amex so you can see what I said AND what the offer was for the end of 2020. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull When it comes to the Amex Platinum Card, Amex Gold Card and Amex Green Card you DEFINITELY want to make sure that the cards work for your travel / vacation preferences and overall monthly / yearly spending habits. That’s because each one carries a large annual fee ($550, $250 and $150 respectively). American Express Membership Rewards Points are some of the BEST travel rewards points in the industry, but if the annual fees cost you more than the value you get, it still doesn’t make sense. Fortunately, my Amex Platinum Card retention offer 2020 was 50,000 Membership Rewards points. Combined with the additional benefits (see below), it made sense to keep the Platinum Card for another year. AMEX PLATINUM CARD BENEFITS (as of December 2020) AMEX PLATINUM CARD SIGNUP BONUS (Dec. 2020) Earn 100,000 Membership Rewards points after spending $5,000 in the first 6 months of card membership. Also earn 10X Membership Rewards points at US Gas Stations and US Supermarkets for the first 6 months on up to $15K in combined purchases. EARN MEMBERSHIP REWARDS POINTS 10X US Gas Stations & 10X US Supermarkets* * for 6 months on up to $15K in combined spend 5X Flights 5X Prepaid hotels via AmexTravel.com 1X Everything Else REDEEM MEMBERSHIP REWARDS POINTS - Best used for travel via Amex Travel Partners - Can also redeem points via Amex Travel Portal - Occasionally gift cards can be an “ok” option if you aren’t traveling much - Cash back is one of the worst options, avoid it if you can AMEX PLATINUM CARD BENEFITS (Primary benefits) Uber Rides with Platinum ($200/yr.) $15/mo. | $35 in Dec. Airline Fee Credit ($200/yr.) 1 airline | Incidental charges Global Entry / TSA Precheck (Up to $100) Every 4.5 years Shop Saks with Platinum ($100/yr.) $50 Jan. – Jun. | $50 Jul. – Dec. Global Lounge Collection - Centurion Lounge - Delta SkyClub - Priority Pass Lounges - Escape Lounge - AirSpace Lounge International Airline Program Lower fares | Up to 8 tickets / booking The Hotel Collection $100 property credit | Room upgrade Fine Hotels & Resorts Program Experience credit | Room upgrade | Daily breakfast for 2 | Early check-in (12PM) | Late check-out (4PM) | Free Wi-Fi Elite Status Marriott Bonvoy Gold status | Hilton Honors Gold status | National Car Rental Emerald Club No Foreign Transaction Fees OTHER TRAVEL CREDIT CARDS TO CONSIDER - Amex Gold Card: Great to earn travel rewards points on gas and grocery purchases - Chase Sapphire Reserve: Great to earn Chase Ultimate Rewards points on travel and dining purchases with additional travel benefits - Chase Sapphire Preferred: Great to earn Chase Ultimate Rewards points with a lower annual fee - Citi Prestige Card: Premium travel rewards credit card; great for international airline transfer partners - Citi Premier Card: Great travel credit card that earns Citi ThankYou points on a lot of at-home categories - Capital One Venture Card: Simple-to-use travel rewards card with access to transfer partners - US Bank Altitude Reserve Card: Arguably one of the best credit cards for travel if you spend a lot using mobile wallet payments - Marriott Bonvoy Brilliant Card: Great hotel credit card for Marriott loyalists - Hilton Honors Aspire Card: Great hotel credit card for Hilton loyalists Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amexplatinum #americanexpress 2020-12-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343486/credit-cards-101-how-often-to-apply-for-credit-cards https://gamma.videonest.org/343486_thumbnail_resized_v2.webp https://gamma.videonest.org/343486_video_v3.mp4 CREDIT CARDS 101: How Often To Apply For Credit Cards It’s a BIG question: How often to apply for credit cards? When to apply for a credit card? Click "Show More" to see Ad Disclosure. There are so many credit cards out there to choose from with incredible signup bonuses, perks & benefits and long-term rewards. And of course, many banks have their own credit card application rules (like Chase, Citi and American Express). So this video will help you get a general idea of when to apply for a credit card. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull FIRST OF ALL… For this video, we are speaking IN GENERAL so you can increase your chances of approval without destroying your credit score. Therefore this is not a hard rule. THE MOST IMPORTANT FACTORS determining your odds of credit card approval are: - Credit Score - Credit Factors - Income CREDIT SCORE Your credit score is the numerical expression representing your level of creditworthiness. Most credit scoring models have a range of 300 - 850. The higher your score, the better. CREDIT FACTORS Payment History (35%) Utilization Ratio (30%) Length of Credit History (15%) Mix of Accounts (10%) New Accounts (10%) In general, to increase your credit score follow these best practices related to the credit score factors above: - Always pay on time and in full by the due date on your credit card statement - Don’t max out your credit cards and avoid racking up high balances. The sweet spot is to use anywhere between 10% - 30% of your available credit lines, both on individual cards and across all cards. - Keep your early card(s) open long term if possible, especially if it’s a credit card with no annual fee. The longer your credit history, the better your score tends to be. - Credit card companies and financial institutions like to see that you’re responsible with a variety of different financial products. So it can be helpful to have a few credit cards and/or an auto loan and/or a mortgage and/or a personal loan, etc. That said, this refers to your ‘mix of accounts’ and only contributes 10% of your score. Only get the financial products you need; you can go a very long way with 1-2 credit cards and nothing else. - Don’t open new cards frequently in a short period of time. This adds hard inquiries to your credit report and lowers your average age of accounts, both of which lower your score. INCOME On the whole, the higher your income, the higher your credit lines may be (and vice versa). That’s because banks view your income as part of their risk assessment criteria. Higher incomes make banks more comfortable that you’ll be able to pay off your balances, which is why they’ll often extend greater buying power to you in the form of higher credit limits. SO… If you want to INCREASE your chances of getting approved for new credit cards WITHOUT tanking your credit score from things like too many hard pulls / inquiries, too many new accounts, insufficient length of credit history (aka average age of accounts, AAoA)… THEN… IN YEAR 1 I recommend getting 1-2 credit cards a few months apart, likely secured credit cards. Your focus in this stage is to build credit. IN YEAR 2 & BEYOND you can get 1 new credit card every 3 months. Your focus in this stage is more on rewards (e.g. credit card signup bonuses, credit card rewards, credit card benefits, etc.) PRO TIP: If there are Chase credit cards that interest you, focus on those first due to the Chase 5/24 Rule. Then you can branch out into other credit card issuers like Citibank, Bank of America, Capital One and others. CREDIT CARDS FOR YEAR 1: Credit Cards to Build Credit / Best Credit Cards for Beginners - Discover it Secured Credit Card - Capital One Secured Mastercard - Citi Secured Mastercard - Bank of America Cash Rewards Secured Credit Card - OpenSky Credit Card CREDIT CARDS FOR YEAR 2 & BEYOND: Credit Cards After Building For 1 Year - Apple Card - Chase Freedom Flex - Chase Freedom Unlimited - Chase Sapphire Preferred Card - Amex Blue Cash Everyday - Bank of America Cash Rewards Card - PayPal CashBack Mastercard - Citi Double Cash Card - Capital One Quicksilver Card - Capital One Savor Card - Capital One Venture Card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcards101 #creditcardsforbeginners 2020-12-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343487/amex-business-gold-card-unboxing-metal-credit-card-drop-test https://gamma.videonest.org/343487_thumbnail_resized_v2.webp https://gamma.videonest.org/343487_video_v3.mp4 AMEX BUSINESS GOLD CARD UNBOXING! (Metal Credit Card Drop Test) I got approved for the American Express Business Gold Card (separate video on that) and now it’s time to see what’s inside the envelope! Click "Show More" to see Ad Disclosure. This is the Amex Business Gold Card unboxing video, so I won’t be going into a full review of the benefits (that will be released shortly after). 🎬 🍿 WATCH ME APPLY for the Amex Business Gold Card (video): https://youtu.be/969zlUtmwco 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Even though this isn't an Amex Business Gold Card review, here are a few basics so you’ve got some context around the card: AMEX BUSINESS GOLD CARD SIGNUP BONUS It varies. But I’ve seen 2 different offers as of December 2020. The first is to earn 50K Membership Rewards points after spending $5K in the firs 3 months. The second is to earn 65K Membership Rewards points after spending 7.5K in the first 3 months. ANNUAL FEE = $295 EARNING AMEX MEMBERSHIP REWARDS POINTS Earn 4X Membership Rewards points on the 2 categories where your business spent the most each billing cycle from the list below. Then earn 1X on all other purchases. - Airfare purchased directly from airlines - U.S. purchases for advertising in select media (online, TV, radio) - U.S. purchases made directly from select technology providers of computer hardware, - software, and cloud solutions - U.S. purchases at gas stations - U.S. purchases at restaurants, including takeout and delivery - U.S. purchases for shipping 4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year. Then earn 1 point per dollar. To learn more about spending categories, visit: www.americanexpress.com/rewards-info There is no limit to the total number of points you can earn. AMEX BUSINESS GOLD 25% AIRLINE BONUS Book your flight with American Express Travel using Membership Rewards Pay with Points and get 25% of those points back. Either book any class flight with your selected qualifying airline, or a First or Business class flight. You can get up to 250,000 points back per calendar year. NOTE: This is a business credit card for small business issued by American Express. As such, it will not appear on your personal credit report and will not count against the Chase 5/24 Rule (meaning it won’t affect your eligibility for cards like the Chase Sapphire Reserve, Chase Sapphire Reserve or the Chase Ink Business Preferred). This is GREAT because if you’re trying to increase your credit score, then you’ll want to keep your credit utilization low and avoid opening new cards (due to credit report hard inquiries and new cards lowering your overall length of credit history). That’s why business credit cards are worth considering. As an added tip, the Chase business credit cards require you to be under 5/24 when applying, but won’t actually increase your 5/24 count if approved. Those cards include the Chase Ink Business Preferred card, Chase Ink Business Unlimited card and the Chase Ink Business Cash cards - as well as the cobranded airline credit cards like the Southwest Rapid Rewards Performance Business Credit Card, the Southwest Rapid Rewards Premier Business Credit Card and the United Business Card. American Express Business credit cards (incl. business charge cards) do not report to your personal credit report. Some known exceptions that DO report on the personal side are business credit cards from Discover Bank, TD Bank and Capital One (though the Capital One Spark Business Cash cards no longer report when approved via new credit card applications). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2020-12-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343488/watch-me-apply-amex-business-gold-card-american-express-business-card-application https://gamma.videonest.org/343488_thumbnail_resized_v2.webp https://gamma.videonest.org/343488_video_v3.mp4 *WATCH ME APPLY* Amex Business Gold Card! (American Express Business Card Application) Watch me apply for an American Express credit card (actually an Amex charge card…for business)! Click "Show More" to see Ad Disclosure. Of all the Amex business credit cards out there, this one is one of the best business credit cards for new small business - provided you DON’T need to carry a balance. Given that it’s an Amex charge card, the balance needs to be paid in full in order to avoid fees. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Here are the TOP REASONS WHY this business credit card caught my attention and demanded an application :D 1. GREAT SMALL BUSINESS CREDIT CARD: This is one of the best business credit cards for small businesses because it can earn valuable rewards points very quickly (Amex Membership Rewards points). That said, if you have inconsistent cash flows, then check out the Amex Plum Card instead. Or if you prefer cash back rewards or credit cards with no annual fee, then there are better options out there like the Amex Blue Business Plus Card, the Amex Blue Business Cash Card, and the different variations of the Chase Ink Business Cash Card. 2. ONE OF THE BEST CREDIT CARDS WITH NO CREDIT CHECK: Let me explain this one. IF you are ALREADY an Amex cardholder, THEN they will likely do a soft pull instead of a hard pull on your credit report. For example, for this Amex Business Gold Card application, there was no hard pull for me :D Amex generally uses the information they already have on file for you from past history. 3. SIGNUP BONUS: While I was ineligible to receive the signup bonus due to my having the card in prior years, it normally offers 50K - 65K Membership Rewards points after spending $5K in the first 3 months of card membership. That’s a great way to cover the $295 annual fee in Year 1 and get you off to a great start with some of the most valuable & flexible travel rewards points in the industry! 4. POINT-EARNING CATEGORIES: Earn 4X Membership Rewards points in the TWO categories where your business spent the most each billing cycle from the list below (up to $150K in combined purchases), then 1X on everything else: - Airfare - US advertising in select media (online, TV and radio) - US purchases from select technology providers of computer hardware, software and cloud solutions - US purchases at gas stations - US purchases at restaurants, including takeout & delivery - US purchases for shipping 5. 25% AIRLINE BONUS: When you book a flight thru the Amex travel portal using Membership Rewards Pay with Points, receive 25% of those points back. Either book any class flight with your selected qualifying airline, or a First or Business class flight. You can get up to 250,000 points back per calendar year. 6. BUSINESS CREDIT CARD: The majority of business credit cards don’t report to your personal credit report (known exceptions are the Capital One Spark business credit card (update: the ‘cash’ version no longer reports when obtained via new credit card application). 7. NO PRESET CREDIT LIMIT: Got some big purchases coming up? Need a credit limit increase? No problem - this card has no preset spending limit. It fluctuates over time based on your spending trends. You might be surprised how much you can actually spend per month! 8. CHASE 5/24 RULE FRIENDLY: Again, since this Amex business card doesn’t report to your personal credit report, it WILL NOT count against your 5/24 status with Chase! There are some GREAT Chase credit cards that often have high bonuses throughout the year. Some of those include the Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Freedom, Chase Freedom Unlimited, Southwest Rapid Rewards Plus / Priority / Premier, Marriott Bonvoy Boundless, World of Hyatt Credit Card, IHG Rewards Club Premier, and more. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2020-12-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343489/rumor-us-bank-altitude-reserve-card-updates https://gamma.videonest.org/343489_thumbnail_resized_v2.webp https://gamma.videonest.org/343489_video_v3.mp4 *RUMOR!* US Bank Altitude Reserve Card UPDATES! The US Bank Altitude Reserve card is one of the best travel credit cards ever released, yet it’s not all that well known! Click "Show More" to see Ad Disclosure. There are some BIG CHANGES coming to the card in early 2021, so let’s check out what the rumored changes to the card design & card benefits are all about! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 Credit Shifu Video / Channel: https://youtu.be/gBmNTuQ2E1s 🖥 Doctor of Credit blog: https://www.doctorofcredit.com Let’s begin! DOCTOR OF CREDIT BLOG POST US Bank Altitude Reserve Will Stop Accepting Applications on November 30 Link: https://www.doctorofcredit.com/source-u-s-bank-altitude-reserve-will-stop-accepting-applications-on-november-30 US BANK ALTITUDE RESERVE REVIEW / BENEFITS Earning Points 5X Prepaid Hotels via Altitude Rewards Center 5X Prepaid Car Rentals via Altitude Rewards Center 3X Travel 3X Mobile Wallet spending 3X Dining / Takeout / Delivery thru 6/30/2021 Redeeming Points 1.0¢ each for cash back 1.5¢ each for travel Perks & Benefits There’s a $325 ANNUAL TRAVEL CREDIT that automatically reimburses you for travel purchases made with airlines, hotels, car rental companies, cruise lines, taxicabs, limousines, and passenger trains. NOTE: Through 16/30/2021, this $325 credit also covers dining, including: restaurants, takeout and food delivery. OTHER PERKS INCLUDE… - Airport lounge access via Priority Pass (limit 4 passes per year, then pay for day passes) - $100 credit toward TSA Precheck or Global Entry - 12 Gogo inflight wi-fi passes each year - No foreign transaction fees - Special privileges at Relais & Chateaux hotels - Elevated concierge service - Rental privileges and discounts with Silvercar - PLUS more! Since this is a VISA INFINITE credit card, you’ll also get access to the Visa Infinite Luxury Hotel Collection, which provides benefits like: complimentary breakfast daily, room upgrades, special amenities, etc. NEW CARD DESIGN? No saying how long this link will remain active, but here’s the one that worked originally! https://rewards.usbank.com/content/dam/usbankrewards/home-page-redesign/cards/USB_Altitude_Reserve_Front.png The new vertical card design is in alignment with the already-released US Bank Altitude Go card (no annual fee) and the forthcoming US Bank Altitude Connect card ($95 annual fee). It seems like US Bank is restructuring their Altitude credit card lineup to look similar, earn the same travel rewards points currency, and also build off of each other’s benefits. NEW BENEFITS! Starting in early 2021, we should see these new benefits being added to the card: - ID Navigator Powered by NortonLifeLock - Postmates: “Get access to complimentary offers and discounts with Postmates.” So here's to hoping that US Bank Altitude rewards points will eventually be able to be pooled together like Chase Ultimate Rewards points, Citi ThankYou Points and Amex Membership Rewards points! NOTE: As of November 30, 2020 the US Bank Altitude Reserve Card is not available for new applications. We’ll likely see it come back in early 2021. OTHER CREDIT CARDS FOR TRAVEL TO CONSIDER While waiting for the credit card application to come back, check out some of the competitive cards including the Chase Sapphire Reserve card, the American Express Platinum Card and the Citi Prestige Card. Other travel credit cards with lower annual fees include the Chase Sapphire Preferred card, the Amex Gold Card and the Citi Premier Card (I’ll also mention the Capital One Venture card and the Wells Fargo Propel Card too as they’re very strong competitors). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #usbank #travelcreditcards 2020-12-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343490/the-4-hilton-honors-credit-cards-review-and-comparison https://gamma.videonest.org/343490_thumbnail_resized_v2.webp https://gamma.videonest.org/343490_video_v3.mp4 The 4 Hilton Honors Credit Cards REVIEW & COMPARISON! YES…there are FOUR Hilton Honors Credit Cards, and in this video I’m going to review them ALL and also put them side by side for a comparison. Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull The 4 Hilton Honors Credit Cards include: - Hilton Honors American Express Card - Hilton Honors American Express Surpass Card - Hilton Honors American Express Aspire Card - Hilton Honors American Express Business Card HILTON HONORS CREDIT CARD #1 Hilton Honors American Express Card Signup Bonus Earn 100K Hilton Honors points after spending $1K in the first 3 months of card membership. That’s an average value of $600 toward Hilton hotels. Earning Points 7X Hilton 5X U.S. Supermarkets 5X U.S. Restaurants 5X U.S. Gas Stations 3X Everything Else Redeeming Points 1 points = 0.6¢ each on average Annual Fee = $0 Perks & Benefits - Hilton Honors Silver Status: Complimentary - Hilton Honors Gold Status: Spend $20,000 in 1 calendar yr. - No Foreign Transaction Fees - ShopRunner Membership: Free 2-day shipping & returns at 100+ retailers HILTON HONORS CREDIT CARD #2 Hilton Honors American Express Surpass Card Signup Bonus Earn 150K Hilton Honors points after spending $3K in the first 3 months of card membership. That’s an average value of $900 toward Hilton Hotels. Earning Points 12X Hilton 6X U.S. Supermarkets 6X U.S. Restaurants 6X U.S. Gas Stations 3X Everything Else Redeeming Points 1 point = 0.6¢ each on average toward Hilton hotels Annual Fee = $95 Perks & Benefits - Hilton Honors Gold Status: Complimentary - Hilton Honors Diamond Status: Spend $40K in 1 calendar yr. - Weekend Night Reward: Spend $15K in 1 calendar yr. - Priority Pass Select: 10 free visits - No Foreign Transaction Fees - ShopRunner Membership: Free 2-day shipping & returns HILTON HONORS CREDIT CARD #3 Hilton Honors American Express Business Card Signup Bonus Earn 130K Hilton Honors points after spending $3K in the first 3 months of card membership. That’s an average value of $780 toward Hilton hotels. Earning Points 12X Hilton 6X Flights: Booked direct or via AmexTravel.com 6X Car Rentals 6X U.S. Gas Stations 6X U.S. Restaurants 6X U.S. Wireless Telephone 6X U.S. Shipping 3X Everything Else Redeeming Points 1 point = 0.6¢ each on average toward Hilton hotels Annual Fee = $95 Perks & Benefits - Hilton Honors Gold Status: Complimentary - Hilton Honors Diamond Status: Spend $40K in 1 calendar year - Weekend Night Rewards: Night 1: Spend $15K in 1 calendar year Night 2: Spend $60K in 1 calendar year - Priority Pass Select: 10 free visits - No Foreign Transaction Fees - ShopRunner Membership: Free 2-day shipping & returns - Business Tools / Features HILTON HONORS CREDIT CARD #4 Hilton Honors American Express Aspire Card Signup Bonus Earn 150K Hilton Honors points after spending $4K in the first 3 months of card membership. That’s an average value of $900 toward Hilton hotels. Earning Points 14X Hilton 7X Flights 7X Car Rentals 7X U.S. Restaurants 3X Everything Else Redeeming Points 1 point = 0.6¢ each on average toward Hilton hotels Perks & Benefits - Hilton Honors Diamond Status: Complimentary - Weekend Night Rewards: Night 1: Complimentary in Year 1 & every year after renewal Night 2: Spend $60K in 1 calendar year - $250 Hilton Resort Credit: For purchases made at Hilton Resorts - $250 Airline Fee Credit: For incidental charges on 1 airline - $100 Hilton Property Credit: 2+ nights at Waldorf Astoria / Conrad - Priority Pass Select: Unlimited visits for you + 2 guests - No Foreign Transaction Fees - ShopRunner Membership: Free 2-day shipping & returns WHICH IS BEST? Hilton Honors Card = Infrequent travelers who spend a lot at home with no annual fee to save money on hotels Hilton Honors Surpass Card = Moderate travelers who spend a lot at home and want to receive VIP Lite treatment on trips due to Hilton Honors Gold status Hilton Honors Business Card = Moderate travelers who are business owners and spend on business expenses. They want to receive VIP Lite benefits on their trips due to Hilton Honors Gold status. Hilton Honors Aspire Card = Frequent travelers who spend heavily on travel and who desire the full VIP experience. They also stay at Hilton resorts at least once per year. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #hiltonhonors #amex 2020-12-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343491/hilton-honors-business-card-review-amex-business-credit-card-for-travel https://gamma.videonest.org/343491_thumbnail_resized_v2.webp https://gamma.videonest.org/343491_video_v3.mp4 HILTON HONORS BUSINESS CARD Review! (Amex Business Credit Card for Travel) It’s time for a Hilton Honors American Express Business Card review! Click "Show More" to see Ad Disclosure. If you’re a small business owner who values travel rewards points, then take a serious look at this business credit card. There are a TON of great point-earning categories, along with some valuable travel perks that you may like if you stay at Hilton hotels. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS Earn 130,000 Hilton Honors points after spending $3,000 in the first 3 months of card membership. The approximate value of this welcome offer is $780 toward Hilton hotels (on average). POINTS - EARN HILTON HONORS POINTS 12X Hilton 6X Flight: Direct or via AmexTravel.com 6X Car Rentals 6X U.S. Gas Stations 6X U.S. Restaurants 6X U.S. Wireless Telephone 6X U.S. Shipping 3X Everything Else ANNUAL FEE = $95 POINTS - REDEEM HILTON HONORS POINTS 1 Hilton Honors point = 0.6¢ (on average). So 10,000 points = $60 And the 130K signup bonus = $780 HILTON HONORS BUSINESS CARD BENEFITS - Hilton Honors Gold Status: Complimentary. In addition to the benefits you receive at the Hilton Honors Member level and the Hilton Honors Silver level, you’ll also get: 80% bonus points on stays, space-available room upgrade, and free continental breakfast. Note that the Hilton Milestone Bonuses are only activated if you earn Gold Elite Status the traditional way (e.g. stay 40 nights per year). - Hilton Honors Diamond Status: Spend $40K in 1 calendar year - Weekend Night Rewards: - Night 1: Spend $15K in 1 calendar year - Night 2: Spend $60K in 1 calendar year - Priority Pass Select: 10 free visits to participating airport lounges worldwide - No Foreign Transaction Fees - ShopRunner Membership: Free 2-day shipping & returns - Business Tools / Features HILTON WEEKEND NIGHT REWARD Night 1: Receive within 8-12 weeks after spending $15K in one calendar year Night 2: Receive within 8-12 weeks after spending $60K in one calendar year Hilton Weekend Night Rewards expire 1 year after they’re issued and you redeem via phone. Each one is valid for 1 standard room on Friday, Saturday or Sunday nights. Excluded properties listed at: HiltonHonors.com/weekendreward - Resort fees + taxes are covered - No limit on value / category / brand - Call: 1-800-4HONORS | 1-800-446-6677 - Tell rep your Reward ID The Priority Pass Select membership you receive with your Hilton Honors Business Card is equivalent to the Standard Plus level on the Priority Pass website. This will give you access to airport lounges worldwide that participate in the Priority Pass program, up to 10 free visits annually. BUSINESS CREDIT CARD BENEFITS EMPLOYEE CARDS - No annual fee for employee cards - Set alerts for spend in certain categories - Set alerts for spending limits ACCOUNT MANAGER - Assign a trusted team member to oversee your account. They can handle tasks like making payments, reviewing transactions, and adding Employee Cards - American Express Business App - Receipt management, etc. - Vendor Pay by Bill.com - FX International Payments - More… INSURANCE & PROTECTIONS americanexpress.com/benefitsguide SHOULD YOU GET IT? YES if you… - Are a business owner - Spend a lot in the 6X categories - Want free hotel stays - Value Gold Status benefits - Spend $15K+ per year for Weekend Night Reward ($60K for 2nd night) NO if you… - Aren’t a business owner - Don’t spend a lot in 6X categories - Don’t travel much / stay at Hilton - Prefer cash back OTHER BUSINESS CREDIT CARDS TO CONSIDER - American Express Business Gold Card - American Express Business Platinum Card - American Express Marriott Bonvoy Business Card - Delta SkyMiles Platinum Business Card - Delta SkyMiles Gold Business Card - Delta SkyMiles Reserve Business Card - Chase Ink Business Preferred card - Chase Ink Business Cash card - Chase Ink Business Unlimited card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #hiltonhonors 2020-12-01T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343492/hilton-honors-aspire-card-review-best-hotel-credit-card https://gamma.videonest.org/343492_thumbnail_resized_v2.webp https://gamma.videonest.org/343492_video_v3.mp4 HILTON HONORS ASPIRE CARD Review! (Best Hotel Credit Card) The Hilton Honors American Express Aspire Card is one of the BEST hotel credit cards on the market :-) Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME BONUS Earn 150,000 Hilton Honors points after spending $4,000 in the first 3 months of card membership. The approximate value of this bonus is $900 on average. ANNUAL FEE = $450 POINTS - Earn Hilton Honors Points 14X Hilton 7X Flights 7X Car Rentals 7X U.S. Restaurants 3X Everything Else Note 1: To earn 7X on Flights… - The purchase must be direct with the airlines or via AmexTravel.com - Excludes: Charter flights and private jet flights Note 2: To earn 7X on Car Rentals - The purchase must be direct with the car rental company - The purchase must be with one of these car rental companies: Alamo Avis Budget Dollar Enterprise E-Z Fox Hertz National Payless Sixt Thrifty MORE INFO: americanexpress.com/rewards-info POINTS - Redeeming Hilton Honors Points On average, Hilton Honors points are worth 0.6¢ each. HILTON HONORS ASPIRE CARD BENEFITS - Hilton Honors Diamond Status: Complimentary! - Weekend Night Rewards: (Night 1) Complimentary in Year 1 & every year after renewal (Night 2) Spend $60K in 1 calendar year - $250 Hilton Resort Credit - $250 Airline Fee Credit: For incidental charges on 1 airline - $100 Hilton Property Credit: 2+ nights at Waldorf Astoria / Conrad - Priority Pass Select: Unlimited visits for you + 2 guests - No Foreign Transaction Fees - ShopRunner Membership HILTON HONORS DIAMOND BENEFITS In addition to Hilton Honors Member, Hilton Honors Silver Status and Hilton Honors Gold status, you’ll receive the following benefits: - 100% Bonus Points on stays - Hilton Executive lounge access - Hilton Diamond status extension - Premium wifi - Hilton 48 hour room guarantee - Elite status gifting (if you stay 60 nights in a calendar year, then gift Gold. If you stay 100 nights in a calendar year, then gift Diamond) - Room upgrades up to a 1-bedroom suite HILTON WEEKEND NIGHT REWARDS - Receive via email - Night 1: Receive 8-14 weeks after account opening & on anniversary date each year -thereafter - Night 2: Receive 8-12 weeks after spending $60,000 in calendar year - Expire 1 year after issuance - Redeem via phone - Valid for 1 standard room on Friday, Saturday or Sunday nights - Excluded hotels: HiltonHonors.com/weekendreward - Covers resort fees + taxes - No limit on value / category / brand - Call: 1-800-4HONORS | 1-800-446-6677 - Tell rep your Reward ID HILTON $250 RESORT CREDIT - Annual credit - Renews on account anniversary date - Purchase directly with Hilton Resort properties - Eligible properties: hilton.com/resorts - Covers room rate + incidental charges - Incidental charges (including charges made at restaurants, spas, and other establishments within the hotel property) must be charged to your room and paid for with your Hilton Honors American Express Aspire Card at checkout in order for them to be recognized as Hilton Resort purchases. - Excluded: Advance Purchase Rates & Non-Refundable Rates HILTON $250 AIRLINE FEE CREDIT - WHAT COUNTS? - Checked baggage fees (incl. overweight / oversize) - Phone reservation fees - Pet flight fees - Seat assignment fees - In-flight amenity fees Included: beverages, food, pillows, blankets, headphones, entertainment Excluded: Wi-Fi (not charged by airline) - Airport lounge day passes & annual memberships - Only with your selected airline ELIGIBLE AIRLINES FOR $250 AIRLINE FEE CREDIT United Airlines Hawaiian Airlines Frontier Airlines Spirit Airlines American Airlines & US Airways JetBlue Airways Southwest Airlines & AirTran Airways Delta Air Lines Alaska Airlines $100 HILTON PROPERTY CREDIT - Book via portal: hiltonhonorsaspirecard.com - Book via phone: (855) 292-5757 - reference code: ZZAAP1 - 2-night minimum stay required - Eligible brands: Waldorf Astoria hotels & Conrad hotels - Applied as hotel credit on your bill at checkout (i.e. not on your credit card statement) - Excluded: property fees, taxes, gratuities and the cost of the room PRIORITY PASS - Receive the equivalent of the Priority Pass Prestige membership - Get unlimited free visits per year INSURANCE & PROTECTIONS americanexpress.com/benefitsguide Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #hiltonaspire 2020-11-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343493/hilton-honors-surpass-card-review-hilton-honors-american-express-surpassr-card-review https://gamma.videonest.org/343493_thumbnail_resized_v2.webp https://gamma.videonest.org/343493_video_v3.mp4 HILTON HONORS SURPASS CARD Review! (Hilton Honors American Express Surpass® Card Review) The Hilton Honors American Express Surpass® Card is one of the best travel credit cards available (also making it one of the best hotel credit cards AND one of the best Hilton credit cards, too)! Click "Show More" to see Ad Disclosure. In this video, I’ll be going over the Hilton Honors Surpass Card benefits PLUS the Hilton Honors Surpass Card Free Weekend Night! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS Earn 150,000 Hilton Honors points after spending $3,000 in the first 3 months. The value of this credit card signup bonus is about $900 on average. POINTS – EARN 12X Hilton 6X U.S. Supermarkets 6X U.S. Restaurants 6X U.S. Gas Stations 3X Everything Else ANNUAL FEE = $95 POINTS – REDEEM 1 Hilton Honors point = 0.6¢ each on average when redeemed for Hilton hotels HILTON HONORS SURPASS CARD BENEFITS - Hilton Honors Gold Status: Complimentary - Hilton Honors Diamond Status: Spend $40K in 1 calendar yr. - Weekend Night Reward: Spend $15K in 1 calendar yr. - Priority Pass Select: 10 free visits - No Foreign Transaction Fees - ShopRunner Membership: Free 2-day shipping & returns HILTON HONORS GOLD STATUS BENEFITS In addition to all Hilton Honors Member and Hilton Honors Silver benefits, you’ll receive: - 80% Bonus Points on stays - Space-available room upgrades - Free continental breakfast - Milestone Bonuses Link to Hilton Honors Elite Status benefits: https://www.hilton.com/en/hilton-honors/member-benefits HILTON HONORS MILESTONE BONUSES - Earn 10,000 Bonus Points every 10th night after reaching at least 40 nights in a calendar year - Earn an additional 30,000 Bonus Points on your 60th night per year - No registration | No Cap | Not a limited-time offer HILTON HONORS SURPASS FREE NIGHT Here are the details for the Hilton Honors Surpass Card Free Weekend Night award: - Receive via email within 8-12 weeks after spending $15K - Expires 1 year after issuance - Redeem via phone (additional details below) - Valid for 1 standard room on Friday, Saturday or Sunday nights - Excluded properties listed at: HiltonHonors.com/weekendreward - Covers resort fees + taxes - No limit on value / category / brand - Call: 1-800-4HONORS | 1-800-446-6677 - Tell rep your Reward ID (incl. on email) HILTON HONORS SURPASS PRIORITY PASS SELECT BENEFITS Receive a complimentary Priority Pass Select membership, which is equivalent to the Standard Plus level of membership on the Priority Pass website ($299/year value). Receive 10 free visits per year, then pay a $32 fee for day passes beyond that. Priority Pass website: https://www.prioritypass.com INSURANCE & PROTECTIONS - Baggage Insurance Plan - Car Rental Loss and Damage Insurance - Extended Warranty - Purchase Protection - Global Assist Hotline Learn More: americanexpress.com/benefitsguide SHOULD YOU GET IT? YES if you… - Stay at Hilton properties - Spend a lot at restaurants, supermarkets, and gas stations - Value Gold Status benefits - Spend $15K+ per year for Weekend Night Reward NO if you… - Don’t stay at Hilton properties - Don’t care about elite status - Prefer other hotel chains - Prefer cash back OTHER TRAVEL CREDIT CARDS / HOTEL CREDIT CARDS TO CONSIDER The 3 other Hilton Honors credit cards to consider include the Hilton Honors Surpass Card, Hilton Honors Aspire Card and Hilton Honors Business Card. All earn the same points but in different categories and offer different perks. 4 Marriott Bonvoy credit cards to consider include the Marriott Bonvoy Bold (this one has no annual fee), the Marriott Bonvoy Boundless, Marriott Bonvoy Brilliant and Marriott Bonvoy Business credit card. There are also 2 IHG credit cards to be aware of, which are the IHG Rewards Club Premier credit card and the IHG Rewards Club Traveler credit card. Lastly, the World of Hyatt Credit Card is a really strong offering from Chase. If you’re interested in earning more flexible points that can be used beyond a single hotel chain, I recommend looking at the Chase Sapphire Preferred card and the Chase Sapphire Reserve card. On the American Express side, there’s the Amex Platinum Card, Amex Gold Card and the Amex Green Card. Citibank offers the Citi Prestige Card and the Citi Premier Card. And Capital One has a great travel offering, the Capital One Venture. DDisclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #hiltonhonors #americanexpress 2020-11-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343494/hilton-honors-american-express-card-review-no-annual-fee-travel-cards https://gamma.videonest.org/343494_thumbnail_resized_v2.webp https://gamma.videonest.org/343494_video_v3.mp4 HILTON HONORS American Express Card Review! (No annual fee travel cards) The Hilton Honors American Express Card is a fantastic travel credit card / hotel credit card with no annual fee. Click "Show More" to see Ad Disclosure. Are you ready to travel for cheap? Here’s my full credit card review! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS - Nov. 2020 100,000 Hilton Honors points after spending $1,000 in the first 3 months. That’s worth around $600 (on average) toward stays at Hilton hotels. POINTS - EARNING HILTON HONORS POINTS 7X Hilton 5X U.S. Supermarkets 5X U.S. Restaurants 5X U.S. Gas Stations 3X Everything Else ANNUAL FEE = $0 VALUE OF HILTON HONORS POINTS 0.6¢ per point on average HILTON HONORS CARD PERKS - Hilton Honors Silver Status: complimentary - Hilton Honors Gold Status: after spending $20,000 per calendar year - No foreign transaction fees - Complimentary ShopRunner membership HILTON HONORS ELITE STATUS In addition to the Member Level benefits, Silver elite status also gets you: - 20% Bonus Points on stays - Hilton Fifth Night Free / 5th night free on reward stays - Two free bottles of water - Elite rollover nights INSURANCE & PROTECTIONS - Car rental loss and damage insurance - Extended warranty - Purchase protection - Global assist hotline Links to more information about these coverages: https://www.americanexpress.com/us/credit-cards/features-benefits/policies/car-rental-loss-and-damage-insurance-terms.html https://www.americanexpress.com/us/credit-cards/features-benefits/policies/extended-warranty-terms.html https://www.americanexpress.com/us/credit-cards/features-benefits/policies/purchase-protection-terms.html SHOULD YOU GET IT? YES if you… - Stay at Hilton properties - Spend a lot at restaurants, supermarkets, and gas stations - Want to earn Hilton Honors points with no annual fee NO if you… - Don’t stay at Hilton properties - Desire Gold Status or higher (better to get the Hilton Honors Surpass Card) - Prefer other hotel chains - Prefer cash back credit cards OTHER CARDS TO CONSIDER The 3 other Hilton Honors credit cards to consider include the Hilton Honors Surpass Card, Hilton Honors Aspire Card and Hilton Honors Business Card. All earn the same points but in different categories and offer different perks. 4 Marriott Bonvoy credit cards to consider include the Marriott Bonvoy Bold (this one has no annual fee), the Marriott Bonvoy Boundless, Marriott Bonvoy Brilliant and Marriott Bonvoy Business credit card. There are also 2 IHG credit cards to be aware of, which are the IHG Rewards Club Premier credit card and the IHG Rewards Club Traveler credit card. Lastly, the World of Hyatt Credit Card is a really strong offering from Chase. If you’re interested in earning more flexible points that can be used beyond a single hotel chain, I recommend looking at the Chase Sapphire Preferred card and the Chase Sapphire Reserve card. On the American Express side, there’s the Amex Platinum Card, Amex Gold Card and the Amex Green Card. Citibank also offers the Citi Prestige Card and the Citi Premier Card. And Capital One has a great travel offering, the Capital One Venture card. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #hiltonhonors #travelcreditcards 2020-11-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343495/amex-green-vs-gold-amex-green-card-review-or-amex-gold-card-review https://gamma.videonest.org/343495_thumbnail_resized_v2.webp https://gamma.videonest.org/343495_video_v3.mp4 AMEX GREEN VS. GOLD (Amex Green Card Review | Amex Gold Card Review) The American Express Green Card and American Express Gold Card both earn Membership Rewards points, making them two of the best credit cards for travel. Click "Show More" to see Ad Disclosure. (And yes, they’re actually charge cards). However, they allow you to earn points quite differently, and each one offers different perks that may or may not be a good fit for you. In this video we’ll put both cards side by side to help you make a good decision :-) 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull (1) AMEX GREEN CARD REVIEW SIGNUP BONUS - Nov. 2020 Earn 45,000 Membership Rewards points after spending $2K in the first 6 months. That’s worth $270 toward cash back or around $900 on average for travel redemptions via transfer partners. POINTS - Earning Membership Rewards Points 3X Travel (including flights, hotels, rental cars, and more) 3X Transit (including rideshares like Uber and Lyft, taxis, tolls, parking, and more) 3X Restaurants (including dine in, takeout, and delivery with services like Uber Eats and Grubhub) 1X Everything Else ANNUAL FEE = $150 POINTS - Redeeming Membership Rewards Points There are a variety of options to redeem credit card points, but the 3 main methods shown in the video are as follows: - Travel (via Amex Transfer Partners): Points worth 2.0¢ each on average - Travel (via Amex Travel Portal): Points worth 0.7¢ each toward hotels, car rentals, cruises, and vacation packages. Points worth 1.0¢ each toward flights. - Cash Back (via Statement Credit): Points worth 0.6¢ each. AMEX GREEN CARD BENEFITS - CLEAR Credit ($100/yr.): Get through security faster at select airports and stadiums nationwide. - Airport Lounge Credit ($100/yr.): Get reimbursed for airport lounge day passes via LoungeBuddy app. - No Foreign Transaction Fees - ShopRunner Membership: Free 2-day shipping & returns at 100+ retailers. AMEX TRANSFER PARTNERS Aer Lingus Aer Club Aeromexico Air Canada Air France KLM Flying Blue Alitalia Millemiglia ANA Mileage Club Asia Miles Avianca Lifemiles British Airways Delta SkyMiles El Al Israel Airlines Emirates Skywards Etihad Guest Hawaiian Airlines Iberia Plus JetBlue TrueBlue Quantas Frequent Flier Singapore Airlines KrisFlyer Virgin Atlantic Choice Privileges Hilton Honors Marriott Bonvoy (2) AMEX GOLD CARD REVIEW SIGNUP BONUS - Nov. 2020 Earn 60,000 Membership Rewards points after spending $4K in the first 6 months. The value of this welcome offer is $360 toward cash back or around $1,200 toward travel using transfer partners (on average). POINTS - Earning Membership Rewards points 4X US Supermarkets, up to $25K spend per year 4X Restaurants 3X Flights 1X Everything Else ANNUAL FEE = $250 POINTS - Redeeming Membership Rewards points - Identical to the redemption options on the Amex Green Card AMEX GOLD CARD BENEFITS - Dining Credit ($120/yr.): $10/mo. | Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, Shake Shack - Airline Fee Credit ($100/yr.): 1 airline | Incidentals| Ending 12/31/2021 - Uber Cash Benefit ($120/yr.): $10/mo. | Starting early 2021 - The Hotel Collection: $100 property credit | Room upgrade | Must book 2+ consecutive nights - No Foreign Transaction Fees WHICH IS BEST? The Amex Green Card is best for TRAVEL. You can earn points on a broad list of travel purchases and the annual credits are geared toward travelers. The Amex Gold Card is best for FOOD. You can earn points at US supermarkets and worldwide restaurants, plus the monthly credits are ideal for food delivery or pickup. WHICH TO GET? Get the AMERICAN EXPRESS GREEN CARD if you… - Travel moderately to frequently - Spend broadly on Travel & Transit - Will use CLEAR + LoungeBuddy credits - Want to redeem points for travel Get the AMERICAN EXPRESS GOLD CARD if you… - Spend on flights when you travel - Spend a lot at restaurants + grocery stores - Use Uber & Grubhub, etc. - Want to redeem points for travel Get BOTH AMERICAN EXPRESS CREDIT CARDS if you… - Spend broadly on travel + transit - Spend a lot at restaurants + groceries - Desire travel rewards that can be pooled together Don’t get either card if you value cash back rewards (exception = also having the American Express Platinum Card for Schwab). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amexgoldcard #amexgreencard 2020-11-21T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343496/amex-green-card-review-amex-green-card-benefits-bonus-and-more https://gamma.videonest.org/343496_thumbnail_resized_v2.webp https://gamma.videonest.org/343496_video_v3.mp4 AMEX GREEN CARD REVIEW! (Amex Green Card Benefits, Bonus & More) The Amex Green Card is one of the best travel credit cards. It’s also a great card for dining and transit. Let’s do a complete Amex Green Card review to see if it’s the right fit for you! Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS Earn 45,000 Membership Rewards points after spending $2,000 in the first 6 months of card membership. These travel rewards points will be worth about $270 - $900 depending on how you redeem them. ANNUAL FEE $150 EARNING MEMBERSHIP REWARDS POINTS 3X Travel 3X Transit 3X Restaurants 1X Everything Else WHAT COUNTS AS TRAVEL? Airfare Hotels Cruises Tours Car Rentals Campgrounds 3rd-Party Travel Website purchases AmexTravel.com purchases EXCLUSIONS Timeshares, banquets, events, vacation packages, prepaid hotels via 3rd parties (e.g. online travel agents), charter flights, private jet flights WHAT COUNTS AS TRANSIT? Trains Taxicabs Rideshares Ferries Tolls Parking Buses Subways DOES AIRBNB COUNT FOR 3X ON TRAVEL? YES. WHAT COUNTS AS CAR RENTALS? Per American Express: “You will earn additional rewards ONLY when you purchase directly from a company on this list of select major car rental companies that accept the Card” Alamo Avis Budget Dollar Enterprise E-Z Fox Hertz National Payless Sixt Thrifty WHAT COUNTS AS RESTAURANTS? Per Amex: “You may not earn additional points for purchases at a restaurant located within another establishment (e.g. a restaurant inside a hotel, casino, or event venue). For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not a restaurant.” Restaurants earn 3X Takeout earns 3X Food delivery via Grubhub, Seamless, Uber Eats, etc. earn 3X Not included: Bars, nightclubs, cafeterias, convenience stores TO LEARN MORE: http://americanexpress.com/rewards-info REDEEMING MEMBERSHIP REWARDS POINTS - Travel (via Amex Transfer Partners): 2.0¢ per point, avg. - Travel (via Amex Travel Portal): 0.7¢ per point for hotels, car rentals, cruises and vacation packages | 1.0¢ per point for flights - Cash Back: 0.6¢ per point AMEX TRANSFER PARTNERS Aer Lingus Aer Club Aeromexico Air Canada Air France KLM Flying Blue Alitalia Millemiglia ANA Mileage Club Asia Miles Avianca Lifemiles British Airways Delta SkyMiles El Al Israel Airlines Emirates Skywards Etihad Guest Hawaiian Airlines Iberia Plus JetBlue TrueBlue Quantas Frequent Flier Singapore Airlines KrisFlyer Virgin Atlantic Choice Privileges Hilton Honors Marriott Bonvoy AMERICAN EXPRESS GREEN CARD BENEFITS - CLEAR Credit ($100/yr.): Get through security faster at select airports and stadiums nationwide. - Airport Lounge Credit ($100/yr.): Get reimbursed for airport lounge day passes via LoungeBuddy app. - No Foreign Transaction Fees - ShopRunner Membership: Free 2-day shipping & returns at 100+ retailers. CREDIT CARD INSURANCE AND PROTECTIONS Extended Warranty Protection Purchase Protection Baggage Insurance Plan Car Rental Loss & Damage Insurance (secondary) Trip Delay Insurance Learn More: https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/american-express-green-card/36646-10-0 SHOULD YOU GET IT? YES if you… - Travel moderately to frequently - Spend broadly on Travel & Transit - Will use CLEAR + LoungeBuddy credits - Want to redeem points for travel NO if you… - Don’t travel often - Don’t spend on Travel & Transit - Won’t use CLEAR + LoungeBuddy - Want a card only for dining OTHER CARDS TO CONSIDER If you want a travel rewards credit card but spend a lot more on food at home, consider the American Express Gold Card. If you want a great credit card for travel perks (like airport lounge access to Centurion Lounges and Priority Pass lounges, elite status, hotel upgrades, etc.), then consider the American Express Platinum Card. If you want a card to capture non-bonus spend but still with travel rewards points, consider the Capital One Venture card, or even consider going with a Chase credit card strategy. For example, get the Chase Sapphire Reserve or Chase Sapphire Preferred, then combine it with the Chase Freedom Unlimited or the Chase Freedom Flex. All of those cards will earn Chase Ultimate Rewards points that can be combined together. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2020-11-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343497/amex-gold-vs-platinum-amex-platinum-card-benefits-or-amex-gold-card-review https://gamma.videonest.org/343497_thumbnail_resized_v2.webp https://gamma.videonest.org/343497_video_v3.mp4 AMEX GOLD VS. PLATINUM (Amex Platinum Card Benefits | Amex Gold Card Review) The Amex Platinum Card vs. Amex Gold Card is a MUST SEE comparison! Click "Show More" to see Ad Disclosure. Both are charge cards, both earn Membership Rewards points, and both are among the best credit cards for travel. So which is best? Let’s find out! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUSES - NOV. 2020 AMEX PLATINUM CARD SIGNUP BONUS Earn 75,000 - 100,000 Membership Rewards points after spending $5,000 in the first 6 months of Card Membership. PLUS: earn 10X Membership Rewards points at US Gas Stations and US Supermarkets on up to $15,000 of combined spend within the first 6 months. AMEX GOLD CARD SIGNUP BONUS Earn 60,000 Membership Rewards points after spending $4,000 in the first 6 months. AMEX PLATINUM CARD - EARNING POINTS 5X Flights - booked directly with airlines or via Amex Travel Portal (AmexTravel.com) 5X Hotels - prepaid via Amex Travel Portal 1X Everything Else AMEX PLATINUM CARD ANNUAL FEE = $550 AMEX PLATINUM CARD - REDEEMING POINTS Transfer Partners 2.0¢ (airline transfers, avg.) Travel Portal 1.0¢ (flights) 0.7¢ (rental cars, hotels, vacations, cruises) Gift Cards 0.7¢ - 1.0¢ (avg.) Cash Back 0.6¢ (statement credit) AMEX PLATINUM CARD BENEFITS Uber Rides with Platinum ($200/yr.) $15/mo. | $35 in Dec. Airline Fee Credit ($200/yr.) 1 airline | Incidental charges Global Entry / TSA Pre✓ (Up to $100) Every 4.5 years Shop Saks with Platinum ($100/yr.) $50 Jan. – Jun. | $50 Jul. – Dec. Global Lounge Collection Centurion Lounge, Delta SkyClub, Priority Pass, Escape Lounge, AirSpace Lounge International Airline Program Lower fares | Up to 8 tickets / booking The Hotel Collection $100 property credit | Room upgrade Fine Hotels & Resorts Program Experience credit | Room upgrade | Daily breakfast for 2 | Early check-in (12PM) | Late check-out (4PM) | Free Wi-Fi Elite Status Marriott Bonvoy Gold | Hilton Honors Gold | National Car Rental Emerald Club No Foreign Transaction Fees AMEX GOLD CARD - EARNING POINTS 4X US Supermarkets - Up to $25,00 spend per year 4X Dining 3X Flights 1X Everything Else AMEX GOLD CARD ANNUAL FEE = $250 AMEX GOLD CARD - REDEEMING POINTS Same as the American Express Platinum Card (see above) AMEX GOLD CARD BENEFITS Dining Credit ($120/yr.) $10/mo. | Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, Shake Shack Airline Fee Credit ($100/yr.) 1 airline | Incidentals| Ending 12/31/2021 Uber Cash Benefit ($120/yr.) $10/mo. | Starting early 2021 The Hotel Collection $100 property credit | Room upgrade No Foreign Transaction Fees WHICH AMEX CARD IS BEST? Choose the American Express Platinum Card for TRAVEL BENEFITS (i.e. airport lounge access, elite status, upgrades, etc.) Choose the American Express Gold Card for EARNING POINTS (i.e. earn quickly at home on food purchases) WHICH ONE SHOULD YOU GET? Get the AMEX PLATINUM CARD if you… Spend a lot on flights + prepaid hotels Desire travel rewards Travel frequently Value elite travel benefits Get the AMEX GOLD CARD if you… Spend a lot at restaurants + grocery stores Desire travel rewards Travel occasionally to frequently Use Uber & Grubhub, etc. GET BOTH CARDS IF YOU… Value elite travel benefits Spend a lot at restaurants + grocery stores Desire travel rewards that can be pooled together DON’T GET EITHER CARD if you value cash back rewards (exception = Schwab Platinum Card) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #amexplatinum 2020-11-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343498/credit-cards-101-cashback-vs-rewards-credit-cards-comparing-cash-back-vs-travel-rewards https://gamma.videonest.org/343498_thumbnail_resized_v2.webp https://gamma.videonest.org/343498_video_v3.mp4 CREDIT CARDS 101: Cashback vs. Rewards Credit Cards (Comparing Cash Back vs. Travel Rewards) CASH IS KING! Or so they say... Let’s compare CASH BACK vs. TRAVEL REWARDS credit cards (points and miles) to see who the true king really is! Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull THE REALITY Cash and cash back credit cards = KING for everything EXCEPT TRAVEL. Travel rewards points and miles = KING for TRAVEL. FOR THIS VIDEO We are comparing points & miles VS. cash back for TRAVEL. We are speaking IN GENERAL (i.e. the majority of the time). Exceptions do exist. 4 TYPES OF TRAVEL REWARDS POINTS 1. AIRLINE MILES: BEST value when redeeming with 1 airline and/or its airline partners. Example: United MileagePlus 2. HOTEL POINTS: BEST value when redeeming with 1 hotel company. Example: Marriott Bonvoy 3. FLEXIBLE POINTS: EQUAL value when redeeming for any flight, hotel, rental car, cruise, etc. Example: Wells Fargo GoFar Rewards 4. TRANSFERRABLE POINTS: BEST value when converting FROM bank points TO partner airline miles or partner hotel points. Example: Chase Ultimate Rewards. NOTE: Some points are Flexible & Transferrable (Amex, Capital One, Chase, Citi) VALUE OF TRAVEL REWARDS POINTS & MILES - All points are NOT equal. - All miles are NOT equal. - On average, some points are worth ABOUT 1¢ each ($0.01). Some points are worth LESS than 1¢. Other points are worth MORE than 1¢. WHEN YOU REDEEM TRAVEL REWARDS POINTS & MILES You can get MORE, LESS, or EQUAL value compared to what they’re worth (on average). That’s because prices for flights, hotels, etc. CHANGE based on location, economy, type of room/class of service, seasonality, demand and more. TRAVEL REWARDS EXAMPLES: Flexible & Transferrable Points Programs - Chase Ultimate Rewards points | Average value = 2.0¢ each for travel - Citi ThankYou Points | Average value = 1.7¢ each for travel - American Express Membership Rewards Points | Average value = 2.0¢ each for travel - Capital One Venture Miles | Average value = 1.4¢ each for travel TRAVEL REWARDS EXAMPLES: Airline Miles - American Airlines AAdvantage | Average value = 1.4¢ - Delta SkyMiles | Average value = 1.2¢ - Southwest Rapid Rewards | Average value = 1.5¢ - United MileagePlus | Average value = 1.3¢ TRAVEL REWARDS EXAMPLES: Hotel Points - Marriott Bonvoy points | Average value = 0.8¢ - Hilton Honors points | Average value = 0.6¢ - IHG Rewards Club points | Average value = 0.5¢ - World of Hyatt points | Average value = 1.7¢ VIEW CURRENT POINT & MILE VALUATIONS The Points Guy https://thepointsguy.com/guide/monthly-valuations 2 SIDES TO THE STORY - EARNING: Cashback vs. points & miles - REDEEMING: Cashback vs. points & miles 2 CONCEPTS TO UNDERSTAND 1. Calculate Credit Card Return On Spend (Translation: What is the cash-back equivalent for cards that earn points?) This is the EARNING side of the story. 2. Calculate Point Redemption Value (Translation: If I redeem points for Hotel A or Flight B, what value per point do I get compared to the average? This is the REDEEMING side of the story. CONCEPT 1: CALCULATE CREDIT CARD RETURN ON SPEND (Category Multiplier) x (Avg. Point Value) x 100 = % Return On Spend CONCEPT 2: CALCULATE POINT REDEMPTION VALUE (Cash Price of flight, hotel, etc.) ÷ (# Points needed) x 100 = Value Per Point Note: Include taxes & fees in the Cash Price IF your points or miles cover them. Otherwise exclude. IN GENERAL To win with points & miles for travel… 1. EARN points/miles when the Return On Spend is GREATER than what a cash-back card could give you for the same purchase. 2. REDEEM points/miles when their Point Redemption Value is AT or ABOVE their average value. 3. SAVE points/miles when their Point Redemption Value is BELOW the average. Hope this helped you understand how to use credit card reward points effectively so you can travel the world for free (or close to it)! :D And of course, when you’re not traveling, it’s ok to use cash back ;-) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcards101 #travelrewards 2020-11-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343499/us-bank-altitude-reserve-retention-offer-us-bank-retention-offer-2020 https://gamma.videonest.org/343499_thumbnail_resized_v2.webp https://gamma.videonest.org/343499_video_v3.mp4 US Bank Altitude Reserve RETENTION OFFER! (US Bank Retention Offer 2020) The US Bank Altitude Reserve card is one of the best travel credit cards on the market today. Click "Show More" to see Ad Disclosure. However, paying an annual fee of $400 for a premium travel credit card during a time when travel is heavily restricted just doesn’t make much sense. So…I called US Bank to see if any credit card retention offers were available on my account. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull First, here’s a light US Bank Altitude Reserve review… SIGNUP BONUS (Nov. 2020) Earn 50,000 bonus points after spending $4,500 in the first 90 days of card membership. EARNING POINTS 5X Prepaid Hotels & Prepaid Car Rentals booked via Altitude Rewards Center 3X Travel 3X Mobile Wallet Purchases* 3X Dining (thru 12/31/2020, unless extended) 1X Everything Else *3X points on mobile wallet purchases is why I'd say this card wins the award for Best Credit Card For Costco :D BENEFITS - $325 annual travel credit, also works for dining thru 12/31/2020 (unless extended) - Airport Lounge Access via Priority Pass (4 free visits per year) - TSA Precheck or Global Entry credit every 4 years, up to $100 - Complimentary Wi-Fi via Gogo Inflight WiFi passes (12 per year) - No foreign transaction fees - Elite-like perks at Relais and Chateaux hotels - Dedicated Visa Infinite Concierge - Redeem rewards instantly via US Bank’s Real Time Rewards feature - Silvercar benefits and discounts - Travel & shopping insurance / protections RETENTION OFFER - NOVEMBER 2020 I received 10,000 US Bank Altitude Reserve points with no spend requirement. These points are worth $100 cash back or $150 toward travel via the US Bank travel portal. VERDICT I chose to KEEP the US Bank Altitude Reserve card for another year. A $400 annual fee - $100 cash retention offer - $325 travel credit means an effective (-$25) annual fee without considering any additional points being earned or benefits being used. For me, that was worth it for another year, and hopefully we can travel the world for cheap again (soon!) so these benefits can be put to good use. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #usbank #altitudereserve 2020-11-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343500/citi-double-cash-credit-card-review https://gamma.videonest.org/343500_thumbnail_resized_v2.webp https://gamma.videonest.org/343500_video_v3.mp4 CITI DOUBLE CASH CREDIT CARD REVIEW! The Citi Double Cash credit card is VERY well known as an easy-to-use cash back credit card with no annual fee. Click "Show More" to see Ad Disclosure. That makes it one of the best credit cards for beginners (later in your first year after building with a secured credit card or other option) and also one of the best cash back credit cards you can use either as an all-in-one card, or to maximize your non-bonus spend (i.e. the things that don’t earn more than 1.0% - 1.5% cash back on other credit cards). 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS – NOV. 2020 N/A, but you do receive 0% APR for 18 months on balance transfers. CASH BACK - EARNING Earn 1% cash back when you buy Earn 1% cash back when you pay CASH BACK - REDEEMING Redeem your cash back rewards in 1 of 4 main ways: - Convert cash back to Citi ThankYou points - Statement Credit - Direct Deposit - Check By Mail *Note: The minimum redemption requirement for the cash back options is $25.00 ANNUAL FEE $0 CITI DOUBLE CASH THANK YOU POINTS - CONVERTING You can convert your cash back into points in the Citi rewards portal. You’d want to consider doing this if you like travel rewards AND also have the Citi Prestige Card and/or the Citi Premier Card. Those 2 premium credit cards will unlock the ability to use Citi Transfer Partners (i.e. convert your points into airline miles of other programs). In a way, this makes the Citi Double Cash Card function a lot like the Capital One Venture Card, which earns 2X miles on all purchases. CITI TRANSFER PARTINERS - NOV. 2020 Aeromexico Club Premier Air France-KLM Flying Blue Avianca LifeMiles Cathay Pacific Asia Miles Emirates Skywards Etihad Guest EVA Air Infinity MileageLands Jet Airways JetPrivilege / InterMiles JetBlue TrueBlue Malaysia Airlines Enrich Qantas Frequent Flyer Qatar Airways Privilege Club Singapore Airlines KrisFlyer Thai Airways Royal Orchid Plus Turkish Airlines Miles&Smiles Virgin Atlantic Flying Club WHAT ARE CITI THANKYOU POINTS WORTH? 1.7¢ ea. toward Travel Via Transfer Partners (on average | 10,000 points = $170) 1.0¢ ea. toward Travel Via Citi ThankYou Portal (10,000 points = $100) 0.5¢ ea. for Cash Back (10,000 points = $50 | Exception: 1.0 ea. for Cash Back ONLY with Citi Prestige Card) WHAT THIS ALL MEANS - Stay with Cash Back if you want cash back rewards - Convert to Citi ThankYou Points if you want travel rewards AND have Citi Premier Card and/or Citi Prestige Card GOOD TO KNOW You can apply for 1 Citi personal credit card every 8 days, up to 2 Citi personal credit cards every 65 days. SHOULD YOU GET IT? YES if you… - Prefer cash back rewards - Prefer travel rewards points AND have Citi Premier Card or Citi Prestige Card - Want a credit card with no annual fee - Want to maximize non-bonus spend - Want a credit card to build credit (over the long term as a keeper card) NO if you… - Have another 2% cash back credit card - Prefer travel rewards but don’t want to add an annual fee credit card - Prefer travel rewards but don’t value Citi’s transfer partners OTHER CARDS TO CONSIDER A few other cash back credit cards to use alongside the Citi Double Cash include the Amex Blue Cash Everyday Card, either the Chase Freedom Unlimited or the Chase Freedom Flex, and the Bank of America Cash Rewards Card. If you want to travel the world for free, then the Capital One Venture credit card could be a good alternative too because you get access to a lot of airline transfer partners with just that one card alone. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #cashback #citidoublecash 2020-11-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343501/credit-cards-101-when-to-pay-credit-card-bill-to-increase-credit-score https://gamma.videonest.org/343501_thumbnail_resized_v2.webp https://gamma.videonest.org/343501_video_v3.mp4 CREDIT CARDS 101: When To Pay Credit Card Bill To Increase Credit Score Ever wondered when to pay your credit card bill to increase your credit score & avoid interest? THIS video will give you the answer and explain why :-) Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 7 WORDS TO KNOW 1. Statement: Your bill, due each month 2. Balance: How much you owe (total of all your purchases)* 3. Billing Cycle: Period of time between 1 bill and the next (usually 28-31 days; we’ll assume 30 days in this video) 4. Open Date: First day of your billing cycle 5. Close Date: Last day of your billing cycle 6. Due Date: Day your bill is due 7. Minimum Due: Smallest amount you can pay for an on-time payment *Note: Your balance may include purchases, interest, fees, etc. STATEMENT / BILL Your credit card statement is the same as your credit card bill (the words mean the same thing). It shows you how much you spent each month item by item, your interest rate, how much you owe, and a whole lot more. Get familiar with it ;-) BALANCE Your credit card balance is how much you owe to the bank. This may include all of your purchases, interest charges, annual fees, other fees, etc. BILLING CYCLE Your credit card billing cycle is the period of time between one bill / statement and the next. Each billing cycle lasts 28-31 days and includes the total amount you spent during that timeframe (reflected as your balance). Every billing cycle has an open date / opening date and a close date / closing date. OPEN DATE / OPENING DATE This is the first day of your credit card billing cycle. It’s NOT necessarily the first day of the month and it can be different for every card. For example, my American Express credit card had an open date of the 22nd of the month while my Discover credit card had an open date of the 17th of the month. CLOSE DATE / CLOSING DATE This is the last day of your credit card billing cycle. It’s NOT necessarily the last day of the month and can be different for every card. DUE DATE This is the day your credit card bill is due. It’s about 21-25 days AFTER your billing cycle close date. MINIMUM DUE The credit card minimum due is the smallest amount you can pay for an on-time payment. It’s usually 1% - 2% of your total balance. If you only pay the minimum due, the remainder of the balance will be charged interest. How to avoid credit card interest? Pay the FULL balance. Q&A Q1: When is the best time to pay my credit card bill / statement? A: The best time to pay your bill is AFTER the Close Date but BEFORE the Due Date. Q2: I have a small credit limit. Can I make payments early (during the billing cycle) to lower my balance? A: Yes. You can make payments at any time, multiple times per month / cycle. Q3: I heard I should use less than 30% of my credit limit. Is that true? A: Yes / no. This is a general rule. The higher % of your credit you use, the lower your credit score. Keeping your utilization at 30% or lower helps keep your score higher each month. HOWEVER…Your utilization is reported 1X per month – NOT DAILY. With most banks, only the balance on your Close Date is reported to the credit bureaus (this becomes your utilization for that month / cycle). SO…Best practice is to have 30% or less utilized by your Close Date. Q:4 If I buy something with my credit card and pay it off right away, will that help my credit score? A: No. It could actually hurt it. Here’s why… Your balance & utilization get reported ONCE per month. This happens on your billing cycle Close Date. For that reason, the bureaus DO NOT see your DAILY utilization. IF you pay off your charges every time you make them, THEN when your Close Date arrives, your reported balance will be $0.00 and your utilization will be 0%. On paper, it looks like you’re not using your card. THAT MEANS the bureaus will not be able to properly score your payment history, balances, or utilization and those are the most important factors of your credit score! SO…PAY YOUR BILL AFTER the Close Date BUT BEFORE the Due Date. This allows a balance to be reported to build positive credit history and avoids all interest. THINK OF IT LIKE THIS… - The bureaus DO get a single snapshot in time (a “picture”) 1X per month. - They DO NOT get live updates 24/7 (like a movie). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcards101 #creditscore 2020-11-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343502/100k-jetblue-points-jetblue-plus-card-review-or-jetblue-business-credit-card-review https://gamma.videonest.org/343502_thumbnail_resized_v2.webp https://gamma.videonest.org/343502_video_v3.mp4 *100K JETBLUE POINTS!* (JetBlue Plus Card Review | JetBlue Business Credit Card Review) The JetBlue credit card BEST OFFER EVER has arrived (so if you want to travel the world for free, then this video will help you out)! Click "Show More" to see Ad Disclosure. Get 100,000 JetBlue TrueBlue points on BOTH the JetBlue Plus Card and the JetBlue Business Card. This signup bonus alone makes these two of the best travel credit cards and two of the best airline credit cards on the market right now (if you fly JetBlue of course) :D Let’s do a JetBlue Credit Card Review! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS Same welcome offer for JetBlue Plus credit card and JetBlue Business credit card. There are 2 tiers. - Spend $1,000 in the first 90 days, earn 50,000 JetBlue TrueBlue points - Spend $6,000 in 12 months, earn another 50,000 JetBlue TrueBlue points - Also pay the $99 annual fee for both cards - Note: The JetBlue Plus credit card also has a 0% APR for 12 months on balance transfers VALUE OF SIGNUP BONUS 100,000 JetBlue TrueBlue points = approximately $1,300 on JetBlue flights (avg.) VALUE OF JETBLUE TRUEBLUE POINTS Approx. 1.3¢ per points (avg.) JETBLUE PLUS CARD & JETBLUE BUSINESS CARD POINTS Both airline credit cards earn at the same rates and in the same tiers. - 6X JetBlue purchases - 2X Restaurants - 2X Groceries - 1X Everything Else BENEFITS Both the JetBlue Plus credit card and JetBlue Business credit card have 7 identical benefits. 1. FREE First Checked Bag 2. 5,000 Bonus Points each anniversary 3. 50% off eligible inflight purchases 4. 10% points rebate on Award Flight redemptions 5. TrueBlue Mosaic status after spending $50K/yr. 6. $100 statement credit after purchasing a JetBlue Vacations package with your card 7. No foreign transaction fees The JETBLUE BUSINESS CARD also allows you to add employee credit cards at no additional cost. You can also set controls for credit lines, single-purchase limits, and cash access. You’ll also receive consolidated statements with all credit card purchases, and employees can access individual credit card statements online. JETBLUE TRUEBLUE BENEFITS - No Blackout Dates on JetBlue-operated flights - Redeem points for any seat at any time on JetBlue-operated flights - JetBlue TrueBlue Points don’t expire - Earn & share points via JetBlue TrueBlue family pooling GOOD TO KNOW - FREE 1st Checked Bag benefit: Covers the primary cardmember & up to 3 travel companions on the same reservation. Must be JetBlue-operated flight. Ticket purchase(s) must be made with the JetBlue Plus credit card or JetBlue Business credit card. Cardmember’s TrueBlue Membership Account number must be entered at the time of booking. - JetBlue Business Card will not appear on personal credit report. - Both Cards issued by Barclays - Signup Bonus Eligibility Language: “You may not be eligible for this offer if you currently have or previously had an account with us in this Program.” - Best to wait 6+ months between Barclays credit card applications - Barclays “6/24 Rule”: You may be denied if you’ve opened 6 or more credit cards with any bank in the past 24 months. Unlike with Chase, this is a soft rule that may not apply to co-branded cards, but still be aware of it. It applied quite strongly to the Barclays Arrival Plus card when it was available, but not to all credit cards. That said, it’s best to have not opened multiple cards in a short period of time before applying for a Barclays credit card. OTHER CREDIT CARDS TO CONSIDER Check out the Citi AAdvantage Platinum Select Card and the Citi AAdvantage Executive World Elite Mastercard. There’s also the Barclays Aviator card (Aviator Red card is the most well-known). A variety of great options also exist if you fly Southwest Airlines. The Southwest credit card has multiple “flavors” of it (Southwest Rapid Rewards Plus card, Southwest Rapid Rewards Premier card and the Southwest Rapid Rewards Priority card are 3 of them). If you fly on United Airlines, then check out the United MileagePlus Explorer Card / United Explorer Card (and the all-new United Gateway Card is a great option if you want to earn United miles with no annual fee). There are also some variations of the Delta SkyMiles credit card (Delta SkyMiles Gold Card and Delta SkyMiles Platinum Card are two that are commonly held by many people). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #jetblue #travelcreditcards 2020-10-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343503/citi-premier-card-review-citi-premier-benefits https://gamma.videonest.org/343503_thumbnail_resized_v2.webp https://gamma.videonest.org/343503_video_v3.mp4 CITI PREMIER CARD REVIEW! (Citi Premier Benefits) The Citi Premier Card is one of the best travel credit cards for beginners (later within your first year or so) if you want to travel the world for free! Click "Show More" to see Ad Disclosure. It can also be a great card to keep long term based on your travel habits. Let’s do a full Citi Premier Card review and see if it’s a good credit card to apply for. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS Earn 60,000 Citi ThankYou Points after spending $4,000 in the first 3 months of card membership. VALUE OF SIGNUP BONUS The 60K ThankYou points have different values based on how you redeem them. - Redeem for Travel via Citi Transfer Partners = $1,020 (avg.) - Redeem for Travel via Citi’s travel portal = $600 - Redeem for Cash Back = $300 EARN CITI THANKYOU POINTS 3X Flights 3X Hotels 3X Restaurants 3X Supermarkets 3X Gas Stations 1X Everything Else ANNUAL FEE $95 VALUE OF CITI THANKYOU POINTS 1.7¢ each toward travel using Citi Transfer Partners (average value) 1.0¢ each toward travel using Citi Travel Portal 0.5¢ each for Cash Back* *UPDATE 4.19.2021: You can now redeem Citi ThankYou points for cash back at a rate of 1.0¢ per point! :D CITI TRANSFER PARTNERS (Most transfer 1:1) Aeromexico Club Premier Air France-KLM Flying Blue Avianca LifeMiles Cathay Pacific Asia Miles Emirates Skywards Etihad Guest EVA Air Infinity MileageLands Jet Airways JetPrivilege / InterMiles JetBlue TrueBlue Malaysia Airlines Enrich Qantas Frequent Flyer Qatar Airways Privilege Club Singapore Airlines KrisFlyer Thai Airways Royal Orchid Plus Turkish Airlines Miles&Smiles Virgin Atlantic Flying Club CITI PREMIER BENEFITS - $100 Annual Hotel Savings Benefit: Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through thankyou.com or 1-800-THANKYOU. This benefit will be available to you once per calendar year. - No Foreign Transaction Fees - Min. points transfer to partners = 1,000 points - Min. cash redemption = $50 (10,000 points) - Shop With Points: Use points during checkout at Amazon.com & BestBuy.com (0.8¢ per point value) TRAVEL PROTECTIONS NOTE: Citi removed travel protections on 9/22/2019 SHOPPING PROTECTIONS - Purchase Protection: If an item is damaged or stolen within 90 days of the purchase or delivery date, you could receive up to $10,000 per incident. There is a maximum limit of $50,000 per calendar year. - Extended Warranty Protection: Extends manufacturer’s warranty on eligible items for 24 months. Valid on items with a manufacturer’s warranty of 5 years or less. Coverage is limited to $10,000 per item. GOOD TO KNOW - Signup Bonus not available if you received a new cardmember bonus for any of the following cards in the past 24 months: Citi Rewards Plus (Citi Rewards+), Citi ThankYou Preferred, Citi ThankYou Premier / Citi Premier or Citi Prestige. - Signup Bonus not available if you have closed any of the aforementioned card accounts in the past 24 months. - You can apply for 1 Citi personal credit card every 8 days, up to 2 Citi personal credit cards every 65 days. - No limit to amount of points you can earn - Points do not expire SHOULD YOU GET IT? YES if you… - Prioritize travel over cash back - Spend $500+ on hotels per year - Have other Citi cards that earn ThankYou points - Value the airline transfer partners - Want 1 travel card to earn points quickly on everyday spend categories NO if you… - Prioritize cash back over travel - Value travel protections - Don’t fly with the airline transfer partners OTHER TRAVEL CARDS TO CONSIDER Other competitive credit cards to the Citi Premier Card include the Chase Sapphire Preferred, Capital One Venture, Wells Fargo Propel and the Bank of America Premium Rewards card. They all have similar rewards structures and annual fees (although the Wells Fargo Propel has no annual fee). All of them will help you travel the world for cheap once you learn how to redeem credit card points in the best ways for travel! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #citi #citipremier 2020-10-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343504/new-benefits-amex-platinum-card-amex-gold-card-and-amex-green-card https://gamma.videonest.org/343504_thumbnail_resized_v2.webp https://gamma.videonest.org/343504_video_v3.mp4 *NEW BENEFITS!* Amex Platinum Card, Amex Gold Card and Amex Green Card NEW BENEFITS are coming to the 3 American Express credit cards (actually ‘charge cards’)! Click "Show More" to see Ad Disclosure. The benefits will be added to the Amex Platinum Card, Amex Gold Card, and the Amex Green Card (PLUS the Amex Gold Card will actually be getting a SECOND benefit). These are some of the BEST credit cards for travel, so let’s dig into the details! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull PRESS RELEASE https://www.businesswire.com/news/home/20201026005671/en/American-Express-and-Uber-Expand-Partnership-to-Introduce-New-Offerings-for-Platinum-Gold-Green-Card-Members SIGNUP LINK FOR ANY AMEX CARD (my referral link) http://refer.amex.us/JEFFRRyChe?xl=cp01 BENEFIT 1: FREE UBER EATS PASS (Up to 12 months) APPLIES TO: Amex Platinum Card, Amex Gold Card, Amex Green Card - For orders costing $15 or more, receive FREE unlimited delivery (i.e. $0.00 delivery fee) AND 5% off. - Also receive FREE grocery delivery on orders costing $30 or more in select markets. - Enroll from 10/26/2020 thru 12/31/2021 - Uber Eats Pass normally costs $9.99/mo. or $119/yr. BENEFIT 2: $120 UBER CASH BENEFIT APPLIES TO: Amex Gold Card - Issued as $10/mo. Uber Cash credit to your Uber account - Apply to Uber rides or Uber Eats delivery - This is in addition to the current $120 ($10/mo.) dining credit that already comes with the Gold Card. That credit can be used with: Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House and participating Shake Shack locations. - This new Uber Cash benefit begins in early 2021 - It replaces the $100 Amex Airline Fee Credit (this ends Jan. 2022) 2021 IS THE SWEET SPOT FOR THE AMERICAN EXPRESS GOLD CARD - Receive up to $120 Dining Credit - Receive up to $120 Uber Cash - Receive $100 Airline Fee Credit That’s $340 in credits for a card with a $250 annual fee! :D OTHER AMEX CARD BENEFITS AMEX PLATINUM CARD - 5X Membership Rewards Points on AIRFARE & PREPAID HOTELS - 1X Membership Rewards Points on everything else - Uber Rides with Platinum: Up to $200 per year - Shop Saks with Platinum: Up to $100 per year - Streaming Credit: $20/mo. thru 12/31/2020 ,unless extended - Wireless Credit: $20/mo. thru 12/31/2020, unless extended - The Global Lounge Collection: Unlock access to airport lounges, including: Centurion Lounge, Priority Pass, Delta SkyClub, Airspace Lounge, Escape Lounge - $200 Airline Fee Credit each year - International Airline Program - Fee Credit for Global Entry or TSA Precheck: Up to $100 every 4.5 years - Fine Hotels and Resorts Program - The Hotel Collection - Marriott Bonvoy Gold Elite Status - Hilton Honors Gold Status - No Foreign Transaction fees - More! AMEX GOLD CARD - 4X Membership Rewards Points on US SUPERMARKETS (up to $25,000 per year in purchases) and RESTAURANTS WORLDWIDE - 3X Membership Rewards Points on AIRFARE - 1X Membership Rewards Points on everything else - $120 dining credit - The Hotel Collection - No Foreign Transaction Fees - More! AMEX GREEN CARD - 3X Membership Rewards Points on TRAVEL, TRANSIT, and DINING - $100 CLEAR Credit - $100 Credit for Lounge Access via LoungeBuddy - No foreign transaction fees - More! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. 2020-10-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343505/retention-offer-amex-business-green-card-amex-retention-offer-2020 https://gamma.videonest.org/343505_thumbnail_resized_v2.webp https://gamma.videonest.org/343505_video_v3.mp4 *RETENTION OFFER!* Amex Business Green Card (Amex Retention Offer 2020) The American Express Business Green Card is NOT worth getting (or keeping) in most situations. Click "Show More" to see Ad Disclosure. Check out the Amex retention offer I received on this credit card (actually a charge card) and what I said to get it! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull But first, some context… SIGNUP BONUS (October 2020) 15,000 Membership Rewards points after spending $3,000 in the first 3 months of card membership. That’s worth about $300 toward travel via Amex Transfer Partners (on average), $150 toward airfare when redeemed via Amex Travel Portal (i.e. AmexTravel.com), or $90 of cash back. I applied for the Amex Business Green Card ONLY for the signup bonus. At the time, it was 5,000 Membership Rewards points after making 1 purchase in the first 3 months of card membership. Plus, the annual fee was waived in Year 1. So I thought to myself: for $0 out of pocket, I can buy something I’d normally buy anyway and add 5K Amex Membership Rewards points to my balance. And this is a business credit card, so it would not appear on my personal credit report, and it would not affect my credit score in any way, nor would it count against my Chase 5/24 Rule status. Count me in! So I got the card. Now, 1 year later, American Express billed me the $95 annual fee. I didn’t see any value in keeping the card in Year 2. Here’s why… It earns 2X Amex MR points on travel, but only when booked through the Amex Travel Portal (AmexTravel.com) It then earns 1X Amex MR points on all other purchases. In terms of travel, that’s like getting a 1-2% return. In cash back terms, that’s like getting 0.6% cash back. AWFUL. I then looked at all of the other major Amex credit cards (“charge cards”) that were refreshed / revamped over the years. The Amex Platinum Card and Amex Business Platinum Card got updated several times, and now they’re among the best travel credit cards on the market today for elite status with Hilton Honors and Marriott Bonvoy, as well as for airport lounge access via Priority Pass, Centurion Lounges, Delta SkyClub, Escape Lounge network, and AirSpace lounge network. The Amex Gold Card and Amex Business Gold Card were revamped as well. Now they’re fantastic for everyday personal and business spend, respectively. The Amex Green Card (personal version) also got new benefits, like earning 3X Membership Rewards points on Travel and Dining, plus some credits to be used on LoungeBuddy and on CLEAR airport security membership, which works nicely with TSA Precheck. But the Amex Business Green Card is still the same, and it’s in DESPERATE NEED of better rewards categories and benefits. So while the Amex reconsideration line is for pending credit card applications, the Amex retention line is for requesting offers to keep your credit cards instead of cancelling them. And that’s exactly what I did! I logged into my American Express account, opened up the chat window, and ended up receiving a $75 statement credit with no spend requirement! This definitely helped offset the $95 annual fee, so I decided to accept (and pay $20 out of pocket) to keep the credit card and potentially avoid the Amex Pop Up message on future credit card applications :D All that said, do yourself a favor and apply for an American Express Card with more value. Or at least get a Chase Ink Business Preferred card or Capital One Spark Business Credit Card instead :-) You can also check out the link below for a video about some of the best business credit cards to get. They’re all cash back credit cards with no annual fee. 🎬WATCH HERE: https://youtu.be/u5fi6-CY3XQ Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2020-10-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343506/chase-sapphire-preferred-unboxing-2020-chase-sapphire-reserve-downgrade https://gamma.videonest.org/343506_thumbnail_resized_v2.webp https://gamma.videonest.org/343506_video_v3.mp4 CHASE SAPPHIRE PREFERRED UNBOXING 2020! (Chase Sapphire Reserve Downgrade) I got the Chase Sapphire Preferred (again!). Click "Show More" to see Ad Disclosure. I originally got this travel credit card back in 2014, but decided to get it again for a few benefits that I missed after I changed in into a Chase Freedom Unlimited for some time. So now that it’s back in my hands again, here’s the Chase Sapphire Preferred unboxing video! (And since this is a metal credit card, we’ll also do a metal credit card drop test too) :D 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO: CHASE SAPPHIRE PREFERRED REVIEW https://youtu.be/ziehrq0pyGU MY JOURNEY In 2014, I applied for the Chase Sapphire Preferred credit card from a new application. The signup bonus at the time was 50,000 or 60,000 Chase Ultimate Rewards points. I was also doing a ton of business travel at the time, so earning 2X points on all of my airfare, hotels, and rental cars was a HUGE win (and same with earning 2X on all my dining, too)! Then in 2016, the Chase Sapphire Reserve card came out with a CRAZY 100,000 point signup bonus! I was well over the Chase 5/24 rule at the time, so I decided to do a Chase Sapphire Preferred UPGRADE to Chase Sapphire Reserve. The $300 travel credit, 50% boost in point value on the Chase travel portal, airport lounge access via Priority Pass, and other benefits really appealed to me, so upgrading still made sense. I kept the Chase Sapphire Reserve for awhile, but then my strategy changed. I was no longer doing business travel as much, so I moved over to American Express credit cards for cash back. I was actually earning Membership Rewards points and cashed them out with the Amex Platinum Card for Charles Schwab. Normally you should avoid cashing out Amex Membership Rewards points for cash (only worth 0.6¢ per point), but when you have the Schwab Platinum Card, you get a MUCH BETTER rate (1.25¢ per point). Since I was using the Amex Platinum Card, Amex Gold Card, Amex Green Card, and Amex Blue Business Plus Card as my credit card strategy, I was left with the Sapphire Reserve’s $450 annual fee (now $550). So, I downgraded the Chase Sapphire Reserve card back down to the Chase Freedom Unlimited. Over time, I really missed the ability to transfer points over to Southwest Rapid Rewards, Marriott Bonvoy, and the World of Hyatt programs whenever I needed to top off my travel rewards points balances for a vacation or trip. Sooo…. I upgraded the Chase Freedom Unlimited back to the Chase Sapphire Preferred again :-) And THAT was my journey! :D I’m still focused on my cash back credit card strategy at the moment with American Express, but I’ll admit it’s really nice to have those Chase transfer partners again for my occasional travels. Way too often I found myself just a few thousand points short to cover the entire cost of airfare or my hotel, so now I can transfer over the points I need using the Chase travel partners. Nowadays, the Chase Sapphire Preferred card is no longer one of the best travel credit cards for everyday spend. The 2X rewards categories just aren’t that competitive anymore. BUT… I DO recommend the Chase Sapphire Preferred for these reasons: 1. Chase transfer partners with a lower $95 annual fee 2. Chase travel portal boost of 25% more value 3. Primary rental car insurance 4. Free DashPass by DoorDash membership for 12+ months when you enroll on or before 12/31/2020 If you’re looking for a travel points credit card to earn really quickly, the Citi Premier card and the Amex Green Card are great options to consider as they also have transfer partners. Best of all, however, is to have a Chase credit card strategy where you use 1 Sapphire-branded card along with 2 Freedom-branded cards. For example, get the Chase Sapphire Preferred AND the Chase Freedom Flex AND the Chase Freedom Unlimited (and perhaps add the Chase Ink Business Preferred, too)! Since all of those cards earn the same rewards currency - Chase Ultimate Rewards points – you can combine them all into 1 account balance, and then use the Sapphire-branded card or the Ink Business Preferred to get the travel portal boost and access to transfer partners. The Chase credit card ecosystem is VERY POWERFUL. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #sapphirepreferred #metalcreditcard 2020-10-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343507/chase-sapphire-preferred-review-2020 https://gamma.videonest.org/343507_thumbnail_resized_v2.webp https://gamma.videonest.org/343507_video_v3.mp4 CHASE SAPPHIRE PREFERRED REVIEW 2020! It’s time for a Chase Sapphire Preferred review in 2020! Click "Show More" to see Ad Disclosure. This is one of the best travel credit cards available, but only for select use cases. Let’s see what they are… 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS Current: Earn 80,000 Chase Ultimate Rewards points after spending $4,000 in the first 3 months. The value of this signup bonus is about $1,600 toward travel via Chase transfer partners (average), $1,000 toward travel via the Chase travel portal, and $800 for cash back. Standard: Earn 60,000 Chase UR points after spending $4,000 in the first 3 months. The value of this welcome offer is about $1,200 toward travel via Chase transfer partners (average), $750 toward travel via the Chase travel portal, and $600 for cash back. VALUE OF CHASE POINTS 2.0¢ each toward travel via Chase transfer partners (avg.) 1.25¢ each toward travel via Chase Ultimate Rewards travel portal and Chase Pay Yourself Back 1.0¢ each for cash back CHASE SAPPHIRE PREFERRED EARNING POINTS 2X Travel 2X Dining 1X Everything Else ANNUAL FEE $95 CHASE TRANSFER PARTNER LIST Aer Lingus, AerClub British Airways Executive Club Emirates Skywards Flying Blue Air France KLM Iberia Plus JetBlue TrueBlue Singapore Airlines KrisFlyer Southwest Airlines Rapid Rewards United MileagePlus Virgin Atlantic Flying Club IHG Rewards Club Marriott Bonvoy World of Hyatt WHAT COUNTS AS TRAVEL WITH CHASE? https://www.chase.com/personal/credit-cards/rewards-category-faq CHASE SAPPHIRE PREFERRED BENEFITS - Ultimate Rewards points are worth 25% more when redeemed via travel portal or Chase Pay Yourself Back feature - Transfer Ultimate Rewards points to travel partners at a 1:1 ratio - Receive at least 12 months of DashPass by DoorDash for free - Earn 5X UR points for purchases with Lyft - No foreign transaction fees - Strong insurance protections. See link to ‘Guide to Benefits’ below. GUIDE TO BENEFITS LINK https://www.chasebenefits.com/sapphirepreferred GOOD TO KNOW - Subject to Sapphire Family Rule: Can have 1 Sapphire branded card at a time (e.g. EITHER Sapphire Preferred OR Sapphire Reserve) - Subject to 1/48 Rule: 1 Sapphire branded bonus every 48 months - Subject to 5/24 Rule: Auto denial if you’ve opened 5+ cards w/ any issuer in past 24 months Upgrade & downgrade: Upgrade to Sapphire Reserve ($550 AF) or downgrade to Freedom-branded card ($0 AF) or no-fee Sapphire Card. Not eligible for welcome bonuses when doing this. SHOULD YOU APPLY FOR THE CHASE SAPPHIRE PREFERRED CARD? YES if you… - Value travel points over cash back - Have other Chase cards that earn Ultimate Rewards points, including the Chase Freedom Flex, Chase Freedom Unlimited, or original Chase Freedom credit cards - Fly United Airlines or Southwest Airlines, or stay at Hyatt hotels - Value the other Ultimate Rewards transfer partners - Want the bonus (it’s one of the best credit card bonuses available!) NO if you… - Prefer cash back credit cards - Are over the Chase 5/24 Rule - Want a good ‘daily use’ credit card IS THE CHASE SAPPHIRE PREFERRED A METAL CREDIT CARD? YES :-) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #chase #sapphirepreferred 2020-10-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343508/apple-card-drop-test-metal-credit-card-drop-test https://gamma.videonest.org/343508_thumbnail_resized_v2.webp https://gamma.videonest.org/343508_video_v3.mp4 APPLE CARD DROP TEST!! (Metal Credit Card Drop Test) The Apple Card is made out of TITANIUM, and that means I had to do an EPIC METAL CREDIT CARD DROP TEST! Click "Show More" to see Ad Disclosure. While the Apple credit card is not the heaviest credit card, its sound is a beautiful thing :D This video is meant to be fun and entertaining (i.e. it’s not an Apple Card review). If you’d like to learn about the Apple credit card benefits, then I’ll link to 2 other videos below that will be helpful to you :-) 🎬VIDEO: APPLE CARD APPLICATION PROCESS https://youtu.be/0PWraedWQ6w 🎬 VIDEO: APPLE CARD REVIEW + APPLE CARD UNBOXING https://youtu.be/LiCZAQ9Z5Uw 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull APPLE CARD BENEFITS (brief version, watch videos above for more details) Apple Daily Cash Back - 3% Apple - 3% via Apple Pay at select partners - 2% via Apple Pay at other locations - 1% Everything else The Apple Card is a cash back credit card with NO ANNUAL FEE and accessible to people with fair credit, which makes it one of the best credit cards for beginners, too! The Apple Card weight = 14g METAL CREDIT CARD WEIGHT COMPARISON (just a few of the main ones) - The Amex Platinum Card weighs ~18g - The Capital One Venture Card and the US Bank Altitude Reserve Card weigh ~ 16g - The Amex Gold Card weighs ~ 15g - The Apple Card weighs ~ 14g - The Chase Sapphire Reserve and Chase Sapphire Preferred weigh ~12g Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #applecard #creditcards #metalcreditcard 2020-10-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343509/credit-cards-101-how-to-use-credit-cards-to-build-credit-or-credit-cards-for-beginners https://gamma.videonest.org/343509_thumbnail_resized_v2.webp https://gamma.videonest.org/343509_video_v3.mp4 CREDIT CARDS 101: How To Use Credit Cards To Build Credit | Credit Cards For Beginners Learn how to use credit cards to build credit, get rewards and cash back, and stay debt free along the way! Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull RULE 1: USE CREDIT CARDS LIKE A DEBIT CARD - Spend less money than you make - Hold yourself to a monthly budget - Buy what you can pay off in cash - This will keep you debt free so you can build smart money habits that help you build wealth RULE 2: START YOUR CREDIT JOURNEY THE RIGHT WAY Become an authorized user (optional). Choose someone with strong credit. This is helpful if you’re having trouble getting approved for a card of your own (i.e. you keep getting denied for a credit card). Next, get your first credit card; best is likely a secured credit card. Secured credit cards allow you to put a deposit down that becomes your credit limit. These are easy credit cards to get approved for. Then, get your second credit card. This can be an unsecured “regular” credit card with no annual fee. Apply about 1 year after your secured card (that is, after building your credit score to about a 680 FICO score or higher). How often should I apply for a credit card? FIRST, build credit with 1-2 cards for a full year. Get FICO score to 680+. THEN, 1 new card every 3+ months tends to work well as a general rule. Which bank to start with? CHASE. They have a 5/24 Rule. You will receive an automatic denial for Chase credit cards if you’ve opened 5+ credit cards with any bank in the last 24 months, so get those first. RULE 3: UNDERSTAND YOUR CREDIT SCORE (Credit Score Explained / How to increase credit score / How credit scores work) The credit score range is typically from 300 to 850. Bad credit = 300-549 Poor credit = 550-649 Fair credit = 650-699 Good credit = 700-749 Excellent credit = 750-850 To remember the 5 factors of your credit score… Remember this: PHURLEMINA PH = Payment History UR = Utilization Ratio LE = Length of Credit History (aka Average Age of Accounts) MI = Mix of Accounts NA = New Accounts ~~Payment History~~ Always pay on time. Best practice is to pay before your credit card statement / bill due date. Always pay in full to avoid interest. ~~Utilization Ratio / Credit Utilization~~ Represents how much credit you’re using compared to your credit limit, both for individual credit cards and across ALL credit cards. To calculate, divide your credit balance by your credit limit and multiply by 100. Best to keep your utilization under 30% to boost your credit score. ~~Length of Credit History~~ Represents the average age of all your credit card accounts. The age of your oldest credit card is also important. Pro tip: Get a credit card with no annual fee and keep it open long term. ~~Mix of Accounts~~ The types of accounts on your credit report, including: credit cards, auto loans, mortgage, student loans, etc. Having multiple types of accounts can help your score, but only get what you need. ~~New Accounts~~ Best practice = don’t open new credit card accounts frequently in short periods of time. The fewer new accounts you have (i.e. less than 1 year), the better. Keep all credit cards for at least 1 year. RULE 4: LEARN THE CREDIT TERMINOLOGY Terms include: Credit limit, credit line, line of credit, billing cycle, billing period, balance, minimum due, due date, annual percentage rate (APR), balance transfer, cash advance, annual fee, hard inquiry, hard pull, soft inquiry, soft pull, credit reporting agency, credit bureau, TransUnion, Experian, Equifax, product change, credit card upgrade, and credit card downgrade. RULE 5: EARN THE RIGHT REWARDS FOR YOU! Choose the right Reward Type, Reward Categories, and Reward Redemptions that come with a card you’re going to apply for. BEST CREDIT CARDS FOR BEGINNERS WITH NO ANNUAL FEE - Discover it Secured Card (start here!) - Discover it Cash Back Credit Card - Capital One Quicksilver Card - Capital One SavorOne Card - Chase Freedom Unlimited Card - Chase Freedom Flex Card - Amazon Prime Rewards Visa Signature Card - Amex Blue Cash Everyday Card - Wells Fargo Propel Card - Apple credit card (Apple Card) - Citi Double Cash Card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards101 #creditscore #creditcards 2020-10-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343510/5-free-nights-marriott-bonvoy-boundless-credit-card-review-bonus https://gamma.videonest.org/343510_thumbnail_resized_v2.webp https://gamma.videonest.org/343510_video_v3.mp4 *5 FREE NIGHTS!* Marriott Bonvoy Boundless Credit Card Review + BONUS!! The Marriott Bonvoy Boundless credit card from Chase has a RIDICULOUSLY GOOD signup bonus! If you want a travel credit card so you can travel the world for free, then seriously consider applying for this card NOW before this offer goes away. Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS Receive 5 Free Night Award certificates to be used at Marriott Bonvoy hotel properties. Each certificate is worth up to 50,000 points (sufficient for up to a Category 6 Marriott property during standard award availability). That’s up to 250,000 Marriott Bonvoy points! BONUS VALUE $1,750 on average (i.e. $350 per night, avg.) MARRIOTT REDEMPTION CHART / AWARD CHART https://www.marriott.com/loyalty/pointsGridPopUp.mi MARRIOTT FREE NIGHT CERTIFICATE HOW TO REDEEM Free Night Award certificates are automatically deposited into your Marriott Bonvoy account. To use them, go through the normal booking process, selecting the points option along the way. When you get to the checkout page, you’ll see an option that says, “You have eligible e-certificates that match your reservation.” Select the certificate you’d like to use and you’ve got yourself a free hotel night! NOTE: be sure you’re logged into your Marriott award account in order to see the certificate option. MARRIOTT BONVOY POINTS 6X Marriott Hotels 2X Everything Else ANNUAL FEE $95 VALUE OF MARRIOTT BONVOY POINTS Approximately 0.7¢ each, on average. PERKS & BENEFITS - No foreign transaction fees - Receive a Free Night Award certificate each anniversary year, valued @ 35K points (i.e. Category 5 Marriott hotel during standard award night availability) - Automatic Marriott Silver Elite Status - Earn Marriott Gold Elite Status after spending $35K/yr. on the card - Free premium Wi-Fi during your stay - 15 Marriott Elite Night Credits each calendar year MARRIOTT ELITE STATUS TIERS & BENEFITS https://www.marriott.com/loyalty/member-benefits.mi INSURANCE & PROTECTIONS Zero Liability Fraud Protection Baggage Delay Insurance Lost Luggage Reimbursement Trip Delay Reimbursement Visa Concierge Auto Rental Collision Damage Waiver Purchase Protection Extended Warranty Protection LINK TO LEARN MORE: https://creditcards.chase.com/marriott/cardmember/boundless_benefits/travel_benefits GOOD TO KNOW - This Marriott Bonvoy credit card is subject to the Chase 5/24 Rule - GREAT ‘sock drawer’ card: Get it for the bonus, keep it for the annual night certificate and benefits, then put it in your sock drawer. Use it once every 6 months or so to keep it active. - BAD credit card for everyday spend. 2X points is about 1.4% return. There are many cash back credit cards with no annual fee that offer a much better return. - Better alternative to earn Marriott Bonvoy points on everyday spend = Marriott Bonvoy Business American Express Card. SHOULD YOU GET IT? YES if you… - Will use all 5 night certificates in 1 year before they expire NO if you… - Can’t use all 5 certificates in 1 year before they expire - Prefer cash back credit cards CREDIT CARD CATEGORIES - Best travel credit card - Best hotel credit card - Best credit cards for travel - How to travel the world for free - How to travel the world for cheap - How to travel the world for free credit cards 101 - How to save money on travel - How to save money on vacation MARRIOTT CREDIT CARDS - Chase Marriott Bonvoy Bold Card - Chase Marriott Bonvoy Boundless Card - Marriott Bonvoy Brilliant American Express Card - Marriott Bonvoy Business American Express Card OTHER TRAVEL CARDS TO CONSIDER - Chase Sapphire Preferred - Chase Sapphire Reserve - Amex Platinum Card - Amex Gold Card - Amex Green Card - Citi Premier Card - Citi Prestige Card - US Bank Altitude Reserve Card - Hilton Honors Card - Hilton Surpass Card (Hilton Honors American Express Surpass Card) - Hilton Aspire Card (Hilton Honors American Express Aspire Card) - Hyatt credit card (World of Hyatt Credit Card) - IHG credit card (IHG Rewards Club Traveler Credit Card) - IHG Rewards Club Premier Credit Card - United Gateway Card - United Explorer Card - United Club Infinite Card - Southwest Rapid Rewards Plus Credit Card - Southwest Rapid Rewards Premier Credit Card - Southwest Rapid Rewards Priority Credit Card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #marriott #chase 2020-10-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343511/100000-bonus-capital-one-venture-card https://gamma.videonest.org/343511_thumbnail_resized_v2.webp https://gamma.videonest.org/343511_video_v3.mp4 *100,000 BONUS!* CAPITAL ONE VENTURE CARD The Capital One Venture Card has a MASSIVE 100,000-mile signup bonus! Click "Show More" to see Ad Disclosure. This video will show you how much that’s worth along with a complete Capital One Venture Card REVIEW. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGN UP BONUS 100,000 Capital One Venture Miles There are actually 2 tiers of this bonus. Tier 1: 50,000 Venture Miles after spending $3,000 in 3 months Tier 2: 100,000 Venture Miles after spending $20,000 in 12 months VALUE OF SIGNUP BONUS The value of the 100,000 Capital One Venture Miles varies depends on how you redeem them: - Redeem for Travel (Transfer Partners): $1,400 (avg., 1.4¢ per point) - Redeem for Travel (Statement Credit): $1,000 (1.0¢ per point) - Redeem for Cash Back: $500 (0.5¢ per point) CAPITAL ONE TRANSFER PARTNERS (As of Oct. 2020) Aeromexico Club Premier Air Canada Aeroplan Air France KLM Flying Blue Alitalia MilleMiglia Program Asia Miles Avianca LifeMiles Emirates Skywards Etihad Airways (Etihad Guest) EVA Air (Infinity MileageLands) Finnair (Finnair Plus) JetBlue TrueBlue Qantas Frequent Flyer Singapore Airlines KrisFlyer Accor Live Limitless (ALL) Wyndham Rewards Capital One Venture Miles transfer at different rates to these travel partners. Typically 1,000 miles converts to 500-750 air miles or hotel points in the other programs. EARNING MILES Earn 2X miles on all purchases with no caps or limits ANNUAL FEE $95 PERKS & BENEFITS - Uber Eats: Earn 5X miles on Uber Eats purchases thru 1/31/2021, unless extended - $100 Credit: Receive up to $100 credit for TSA Precheck or Global Entry application - Capital One Experiences: Access to VIP experiences for dining, entertainment, sports, etc. - No foreign transaction fees - Virtual card numbers from eno - Amazon: Redeem Venture miles at Amazon during checkout (bad value, though) VISA CREDIT CARD INSURANCE & PROTECTIONS 24-Hour Travel Assistance Services Auto Rental Collision Damage Waiver Travel Accident Insurance Extended Warranty $0 Fraud Liability Roadside Assistance SOURCE: https://www.capitalone.com/credit-cards/benefits GOOD TO KNOW - The Capital One Venture card is a metal credit card - Capital One credit card applications require pulling all 3 credit bureaus (Experian, Equifax, and TransUnion), resulting in 3 total credit checks / hard pulls (1 inquiry per credit report) - You can have 2 Capital One personal credit cards at a time (excludes co-branded credit cards) - You can apply for 1 new Capital One credit card every 6 months SHOULD YOU GET THIS TRAVEL CREDIT CARD? YES if you… - Travel / vacation at least 1 time per year - Want $500 - $1,000+ toward travel - Don’t want other Chase credit cards first, or are over the Chase 5/24 rule - Willing to commit to 1 credit card signup bonus for awhile CREDIT CARD CATEGORIES - Best travel credit card - Best travel credit card for beginners - Best credit card for travel rewards - Best credit card for travel points - Capital One travel credit card - How to use Capital One Venture miles - How to redeem Capital One Venture miles OTHER TRAVEL CREDIT CARDS TO CONSIDER - Chase Sapphire Preferred - Chase Marriott Bonvoy credit card (Marriott Bonvoy Boundless) - Chase World of Hyatt credit card - Chase Sapphire Reserve - Citi Premier Card - Citi Prestige Card - US Bank Altitude Reserve card - Wells Fargo Propel card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #capitalone #capitaloneventure 2020-10-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343512/80k-bonus-chase-sapphire-preferred-80000-chase-ultimate-rewards-points https://gamma.videonest.org/343512_thumbnail_resized_v2.webp https://gamma.videonest.org/343512_video_v3.mp4 *80K BONUS!* CHASE SAPPHIRE PREFERRED (80,000 Chase Ultimate Rewards Points) The Chase Sapphire Preferred card has a MASSIVE signup bonus of 80,000 Ultimate Rewards points right now! Click "Show More" to see Ad Disclosure. Whether you redeem credit card points for travel or cash back, you’ll get a lot of value! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS 80,000 Chase Ultimate Rewards Points after spending $4,000 in the first 3 months EXPIRATION Potentially 11/07/2020. This is the date the referral link offer ends. No announcement from Chase when the public offer will end. If you’d like to get this 80K Offer, I’d apply before Nov. 7th. VALUE These 80,000 Chase points are worth different amounts depending on how you redeem them. Here are the best 3 ways to redeem Chase points. -Travel (Chase transfer partners): $1,600 (avg. 2.0¢ per point | depends on program) -Travel (Chase travel portal): $1,000 (guaranteed value, 1.25¢ per point) -Cash Back (Chase Ultimate Rewards portal): $800 (guaranteed value, 1.0¢ per point) CHASE ULTIMATE REWARDS TRANSFER PARTNERS (As of Oct. 2020) Aer Lingus, AerClub British Airways Executive Club Emirates Skywards Flying Blue Air France KLM Iberia Plus JetBlue TrueBlue Singapore Airlines KrisFlyer Southwest Airlines Rapid Rewards United MileagePlus Virgin Atlantic Flying Club IHG Rewards Club Marriott Bonvoy World of Hyatt These Chase travel partners transfer at a 1:1 ratio (e.g. 10,000 Chase UR points = 10,000 air miles or hotel points). There may be occasional transfer promotions as in the example of Southwest Airlines currently offering a 20% boost (i.e. 1:1.2 ratio) when converting to Rapid Rewards points. CHASE SAPPHIRE PREFERRED POINTS 2X Travel 2X Dining 1X Everything else WHAT COUNTS AS ‘TRAVEL’ WITH CHASE airlines hotels motels timeshares car rental agencies cruise lines travel agencies discount travel sites campgrounds passenger trains buses taxis limousines ferries toll bridges highways parking lots garages SOURCE: https://www.chase.com/personal/credit-cards/rewards-category-faq CHASE SAPPHIRE PREFERRED BENEFITS - Points Boost: Worth 25% more toward travel via the Chase travel portal - Points Transfers: 1:1 transfer to Chase travel partners - DashPass by DoorDash for 1 year - Lyft: Earn 5X points thru March 2022 - No Foreign Transaction Fees (FTFs) - Insurance coverages, including: Trip Cancellation / Interruption Insurance, Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Trip Delay Reimbursement, Travel & Emergency Assistance Services, Purchase Protection, and Extended Warranty Protection. GOOD TO KNOW / APPLICATION RULES - Subject to Sapphire Family Rule: Can have 1 Sapphire Family card at a time (e.g. EITHER Sapphire Preferred OR Sapphire Reserve) - Subject to 1/48 Rule: 1 Sapphire Family bonus every 48 months - Subject to Chase 5/24 Rule: Auto denial if you’ve opened 5+ cards w/ any issuer in past 24 months - Upgrade & downgrade: Upgrade to Sapphire Reserve ($550 AF) or downgrade to Freedom Family card ($0 AF) or no-fee Sapphire Card. Not eligible for welcome bonuses when doing this. CREDIT CARD CATEGORIES - Best travel credit cards - Best travel credit cards for beginners - Best travel credit card 2020 - How to travel for cheap - How to travel the world for free credit cards 101 - Metal credit cards 2020 - Best metal credit cards 2020 OTHER CHASE CREDIT CARDS TO CONSIDER (For Chase credit card strategy) - Chase Freedom Unlimited card - Chase Freedom Flex card - Chase Marriott Bonvoy Boundless card - Chase Marriott Bonvoy Bold card - World of Hyatt Credit Card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. 2020-10-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343513/new-venmo-credit-card-venmo-card-review-cash-back-rewards-and-more https://gamma.videonest.org/343513_thumbnail_resized_v2.webp https://gamma.videonest.org/343513_video_v3.mp4 *NEW!* VENMO CREDIT CARD (Venmo Card Review, Cash Back Rewards, and more!) The all new VENMO CREDIT CARD has launched to select customers, and it will be available to ALL Venmo users in the coming months! Click "Show More" to see Ad Disclosure. CNBC article: https://www.cnbc.com/select/new-venmo-credit-card-launches 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull The Venmo Credit Card will likely end up being one of the: - Best credit cards for beginners - Best credit cards for college students - Best credit cards for fair credit - Best cash back credit cards with no annual fee - Best competing credit cards to the Apple credit card / Apple Card Before we go further, note that this is DIFFERENT than the Venmo Debit Card, which came out earlier. THIS is all about Venmo’s first-ever CREDIT CARD. Let’s talk about it! AVAILABILITY - Select Venmo users at initial soft launch - Early requirements: 18+ y/o residing in US or US territory, must have latest version of Venmo app, Venmo account must be open for 30+ days with activity in past 12 months. CREDIT CARD SIGNUP BONUS - None at launch; TBD in future CASH BACK REWARDS 3% on your FIRST top spend category 2% on your SECOND top spend category 1% on everything else ANNUAL FEE none The “top spend” categories are currently as follows as of Oct. 2020 Travel Transportation Grocery Entertainment Dining & Nightlife Bills & Utilities Health & Beauty Gas These categories are automatically identified by Venmo; no rotating/changing cash back categories or calendars to keep track of, no limits on how much you can earn, nothing to activate! TECH - You can apply for the Venmo Credit Card in the Venmo app - The Venmo card has a QR code printed on the physical card. Simply scanning it pulls up your Venmo profile so you can pay, receive payment from others, and apply payments from friends to your Venmo account balance or directly to your Venmo Credit Card bill. - Receive an instant temporary credit card number to use after approval - The Venmo card is compatible with contactless payments - Manage Venmo Credit Card from the Venmo app! View credit card transactions, payments, split payments, rewards & more! COLOR You can select your Venmo card color, too! Choose from: - Cotton Candy - Night Life - Denim - Campfire - Tropical Islands VISA TYPES Visa Traditional: https://venmo.com/about/creditcard/features/visa Visa Signature: https://venmo.com/about/creditcard/features/visasignature GOOD TO KNOW - The Venmo Credit Card issuing bank is Synchrony Bank. - Currently in ‘soft launch’ phase (Oct. 2020) to select users; then available to all Venmo users - 3% + 2% cash back adapts to your spending - Activate card by scanning card’s QR code w/ phone camera - If you lose / misplace your physical card, you can freeze it in the app & continue using the virtual card SHOULD YOU GET IT? YES if you… - Use Venmo - Value cash back credit cards with no annual fee - Want personalized, hassle-free cash back rewards - Want a card to maximize spend on bills & utilities or health & beauty. NO if you… Aren’t a Venmo user Want travel rewards OTHER CASH BACK CREDIT CARDS TO CONSIDER - Apple credit card (Apple Card) - Citi Double Cash Card - PayPal credit card (PayPal CashBack Mastercard) - Fidelity credit card (Fidelity Rewards Visa Signature Card) - Wells Fargo Propel card - US Bank Altitude Go card - Bank of America Cash Rewards card - Amex Blue Cash Everyday card (American Express Blue Cash Everyday card) - Chase Freedom Flex card - Chase Freedom Unlimited card - Amazon credit card (Amazon Prime Rewards Visa Signature Card) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #venmo #cashback 2020-10-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343514/3-new-wyndham-credit-cards-travel-for-cheap-with-hotel-credit-cards https://gamma.videonest.org/343514_thumbnail_resized_v2.webp https://gamma.videonest.org/343514_video_v3.mp4 3 NEW WYNDHAM CREDIT CARDS (Travel for cheap with hotel credit cards!) Wyndham Hotels & Resorts and Barclays launched 3 NEW CREDIT CARDS to earn free hotel nights even faster (and they’re REALLY GOOD cards, too)! Click "Show More" to see Ad Disclosure. CNBC article: https://www.cnbc.com/select/wyndham-hotels-resorts-barclays-launch-new-credit-cards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull ABOUT WYNDHAM HOTELS Currently 9,000+ hotels across 19 brands spanning 80+ countries. CURRENT BRAND LIST (HOTELS) Wyndham Grand, Dolce, Wyndham, Tryp, Esplendor, Dazzler, Trademark Collection, La Quinta, Wingate, Wyndham Garden, AmercInn, Ramada, Baymont, Microtel, Days Inn, Super 8, Howard Johnson, Travelodge, Hawthorn CURRENT BRAND LIST (DESTINATIONS: Vacation rentals, Vacation Club Resorts) Club Wyndham, Worldmark, Shell Vacation Club, Margaritaville, Cottages.com, Landal GreenParks, Wyndham Vacation Rentals WYNDHAM CAESARS ENTERTAINMENT PARTNERS Caesars, Harrah’s hotel, Horseshoe hotel, The Cromwell, Bally’s hotel, Flamingo hotel, The Linq, Nobu Hotel, Paris hotel Las Vegas, Planet Hollywood, Rio hotel, Harveys hotel VALUE OF WYNDHAM REWARDS POINTS Approx. 1.1¢ each. So 10,000 points is about $110 at Wyndham properties. 1. WYNDHAM REWARDS EARNER CARD (Wyndham Earner credit card review) SIGNUP BONUS 30,000 points after spending $1K in 90 days (worth ~ $330 up to 4 free nights) POINTS 5X Wyndham Hotels 5X Gas Stations 2X Dining 2X Grocery 1X Everything Else ANNUAL FEE This is a NO ANNUAL FEE travel card. ELITE STATUS Receive Wyndham Gold Elite Status. Learn More: https://www.wyndhamhotels.com/wyndham-rewards/member-levels REDEMPTION BONUS 10% discount on points redeemed for Go Free awards (Wyndham ‘Go Free Faster’) ANNIVERSARY BONUS 7,500 bonus points each anniversary year after spending $15K 2. WYNDHAM REWARDS EARNER PLUS CARD (Wyndham Earner Plus credit card review) SIGNUP BONUS 45,000 points after spending $1K in 90 days (worth ~ $495 up to 6 free nights) POINTS 6X Wyndham Hotels 6X Gas Stations 4X Dining 4X Grocery 1X Everything Else ANNUAL FEE $75 ELITE STATUS Receive Wyndham Platinum Elite Status. Learn More: https://www.wyndhamhotels.com/wyndham-rewards/member-levels REDEMPTION BONUS 10% discount on points redeemed for Go Free awards (Wyndham ‘Go Free Faster’) ANNIVERSARY BONUS 7,500 bonus points each anniversary year NO spend requirement 3. WYNDHAM REWARDS EARNER BUSINESS CARD (Wyndham Earner Plus Business credit card review) SIGNUP BONUS 45,000 points after spending $1K in 90 days (worth ~ $495 up to 6 free nights) POINTS 8X Wyndham Hotels 8X Gas Stations 5X Marketing 5X Advertising 5X Utilities 1X Everything Else ANNUAL FEE $95 ELITE STATUS Receive Wyndham Diamond Elite Status. Learn More: https://www.wyndhamhotels.com/wyndham-rewards/member-levels REDEMPTION BONUS 10% discount on points redeemed for Go Free awards (Wyndham ‘Go Free Faster’) ANNIVERSARY BONUS 15,000 bonus points each anniversary year NO spend requirement OTHER THINGS TO CONSIDER / GOOD TO KNOW - These Wyndham hotel credit cards are issued by Barclays. - The ‘Earner Business Card’ WILL NOT report to personal credit profile (and NOT count toward your Chase 5/24 Rule status) - Other ways to redeem Wyndham points include: online shopping, discounts on gas, local tours & activities, gift cards, and more. - Wyndham elite status MATCHES to Caesars elite status Unknown if this will continue long term because Eldorado Resorts and Caesars Entertainment merged. Link to status match: https://www.caesars.com/myrewards/partners/wyndham_resorts WHO THESE CARDS ARE GREAT FOR Basically anyone who searches for: - How to travel the world for cheap - How to travel on a budget - How to travel the world for free - How to travel the world on a budget OTHER BEST HOTEL CREDIT CARDS - Marriott Bonvoy Bold credit card - Marriott Bonvoy Boundless credit card - Marriott Bonvoy Brilliant credit card - Marriott Bonvoy Business credit card - Hilton Honors American Express card - Hilton Surpass card - Hilton Aspire Card - IHG credit card (IHG Rewards Club Premier Credit Card) - Radisson credit card (Radisson Rewards Premier Visa Signature card) - Choice hotel credit card (Choice Privileges Visa Signature Card) - Hyatt credit card (World of Hyatt Credit Card) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #wyndhamhotels #travelforfree 2020-09-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343515/coming-soon-x1-credit-card-best-credit-card-to-build-credit https://gamma.videonest.org/343515_thumbnail_resized_v2.webp https://gamma.videonest.org/343515_video_v3.mp4 *COMING SOON! * X1 CREDIT CARD (Best Credit Card To Build Credit) The X1 Visa Card is COMING SOON! Here’s what you need to know about the soon-to-launch X1 credit card when it becomes available in Winter 2020. Click "Show More" to see Ad Disclosure. 📃 WAITLIST REFERRAL LINK: https://x1creditcard.com/r/AwIK8ly 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull FIRST OF ALL, the X1 Visa Card is one of the: - Best credit cards for beginners - Best credit cards for college students - Best credit cards for 18 year olds - Best credit cards to build credit fast - Best credit cards to rebuild credit - Best credit card for bad credit - Best credit cards to apply for with bad credit - Best credit card to increase credit score - Best metal credit cards with no annual fee WHY IT’S UNIQUE The X1 Credit Card is unique in the following ways: - The X1 Card DOES NOT use your credit score or credit report for approval OR assigning credit limit. Instead, it looks at your current income and future / expected income. - The X1 Card has a GENEROUS rewards program - The X1 Card allows you to end subscriptions with 1 click. - The X1 Card can issue temporary virtual card numbers, which is great if you purchase subscriptions or trials that bill your credit card later (but you’d rather cancel) - The X1 Card is a metal credit card with no annual fee. Specifically, it’s weighs 17g, is made out of stainless steel, and is laser etched. LINK TO ARTICLE: https://techcrunch.com/2020/09/17/x1-card-is-a-credit-card-based-on-your-income-not-your-credit-score SIGNUP BONUS / WELCOME OFFER This is currently unknown because the card doesn’t actually exist yet :D The X1 Card waitlist is currently open though so you can be one of the first to get the card when it launches. X1 CREDIT CARD FEES - NO annual fee - NO late fees - NO foreign transaction fees - YES “borrowing fees” / aka “interest charges” when you carry a balance EARNING REWARDS - Earn 2X points on everything (standard rate) - Earn 3X points on everything (when you spend $15K/yr. annually on the X1 Card) - Earn 4X points on everything (when you refer others, each approved referral gives you 30 days of earning at the 4X rate) There is no cap on the amount of credit card rewards points you can earn, and your rewards points do not expire. REDEEMING REWARDS Redeem points to cover charges at select merchants, including: Airbnb, Alaska Airlines, JetBlue, Delta Airlines, Adidas, Nike, Ikea, Wayfair, Peloton, REI, and other retailers. Points seem to be worth 1¢ each given the example they show on their website (redeeming 15,000 points to cover a $150 purchase at Apple). It’s TBD if the points will always have a 1¢ value, or if they will vary by merchant or if promotional periods will become available. No indication if pure cash back will be an option (so far it doesn’t seem like it). COOL FEATURES OF THE X1 VISA CARD - Metal credit card (17g pure stainless steel) - Earn 2X, 3X, or 4X points on all purchases* (must qualify, details below) - Higher limits than standard credit cards (up to 5X higher credit limits) - End free trials automatically with auto-expiring virtual credit cards - Cancel subscription payments in one click - Spend anonymously without disclosing your personal information - Create virtual cards for one-time use - Get instant notifications about refunds - Attach receipts to purchases SHOULD YOU GET IT? YES if you… - Have no credit history, have limited credit history, or bad credit history - Want a higher-limit card (potentially) - Shop at their point-redemption merchants - Spend $15,000+ on credit per year - Want to experience the ‘future of credit cards’ - Are a student with an internship or new graduate NO if you… - Want greater rewards flexibility - Want cash back - Want travel rewards - Spend less than $15,000 on credit per year OTHER CARDS TO CONSIDER… - Fidelity credit card (Fidelity Rewards Visa Signature Card) - PayPal credit card (PayPal CashBack Mastercard) - Citi Double Cash credit card (Citi Double Cash Card) - Apple credit card (Apple Card) All of these are GREAT cash back credit cards with no annual fee, earning 2% on all purchases. Note that the Apple Card only earns 2% Daily Cash when you use it with Apple Pay (and 3% with select merchants also when using Apple Pay). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #X1Card #X1CreditCard 2020-09-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343516/how-to-use-chase-ultimate-rewards-best-way-to-redeem-chase-ultimate-rewards-points https://gamma.videonest.org/343516_thumbnail_resized_v2.webp https://gamma.videonest.org/343516_video_v3.mp4 HOW TO USE CHASE ULTIMATE REWARDS (Best Way To Redeem Chase Ultimate Rewards Points) Chase Ultimate Rewards points are some of the BEST credit card rewards points EVER. Click "Show More" to see Ad Disclosure. You can use your Chase points for cash back, or you can use them to travel the world for free (or close to free) :D 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull HOW TO EARN CHASE ULTIMATE REWARDS POINTS METHOD 1 (CHASE CREDIT CARDS): Using Chase credit cards, including: Chase Freedom Unlimited, Chase Freedom, Chase Freedom Flex, Chase Freedom Student, Chase Sapphire, Chase Sapphire Preferred, Chase Sapphire Reserve, JP Morgan Reserve, Chase Ink Business Unlimited, Chase Ink Business Cash, Chase Ink Business Preferred, Chase Ink Business Plus METHOD 2 (SHOP THROUGH CHASE PORTAL): Access this Chase shopping portal through the Ultimate Rewards section of your online account. You can earn bonus points by shopping at hundreds of retailers in addition to the rewards points from your credit card. HOW TO REDEEM CHASE ULTIMATE REWARDS POINTS NOTE: ALL Chase credit cards (that are not cobranded) earn Ultimate Rewards points, no matter if they’re marketed as ‘cash back’ or ‘travel.’ METHOD 1 (CASH BACK) Redeeming Chase UR points for cash back will yield a flat-rate of 1.0¢ per point (e.g. 10,000 points = $100). All Chase credit cards will give the same rate. METHOD 2A (TRAVEL PORTAL) Redeeming your Chase points for travel via the Chase Travel Portal will yield 1 of 3 point values. They might be worth 1.0¢ each, 1.25¢ each, or 1.5¢ each depending on the highest annual fee card you have. Here’s how that works: - Chase credit cards with NO annual fee = points worth 1.0¢ each - Chase credit cards with $95 annual fee = points worth 1.25¢ each - Chase credit cards with $550 annual fee = points worth 1.5¢ each METHOD 2B (TRAVEL TRANSFER PARTNERS / HOW TO TRANSFER CHASE POINTS TO TRAVEL PARTNERS) Redeeming your Chase UR points for travel via the Chase Transfer Partners yields an average value of 2.0¢ per point. NOTE: You MUST have a Chase card WITH AN ANNUAL FEE ($95+) in order to get access to transfer partners. Here’s the current list of Chase travel transfer partners: Aer Lingus, AerClub British Airways Executive Club Emirates Skywards Flying Blue Air France KLM Iberia Plus JetBlue TrueBlue Singapore Airlines KrisFlyer Southwest Airlines Rapid Rewards United MileagePlus Virgin Atlantic Flying Club IHG Rewards Club Marriott Bonvoy World of Hyatt NOTE 1: These transfer partners are 1:1, meaning 10,000 Chase points = 10,000 air miles or 10,000 hotel points in the partner program. NOTE 2: You can transfer Chase Ultimate Rewards points TO the travel partners. You cannot transfer airline miles or hotel points back into the Chase UR program. METHOD 3 (OTHER): Redeem Chase points at Amazon, Apple, for experiences, for gift cards, and for “deals.” HOW TO COMBINE POINTS (HOW TO TRANSFER CHASE FREEDOM POINTS TO SAPPHIRE, ETC.) The ability to combine / pool your Chase points together is the #1 reason why so many people carry 2, 3, or more Chase cards (it’s part of an overall CHASE CREDIT CARD STRATEGY). You can use Chase Freedom-family cards for their large point multipliers on everyday spend, and boost their redemption value toward travel with your other Chase cards that have an annual fee by simply transferring them over! NOTE: You CAN pool points between Chase Personal Credit Cards and Chase Business Credit Cards. VERDICT (BEST WAY TO REDEEM CHASE ULTIMATE REWARDS POINTS) 1ST PLACE = TRAVEL (via transfer partners), average value of 2.0¢ per point 2nd PLACE = TRAVEL (via Chase Travel Portal), value of 1.0¢, 1.25¢, or 1.5¢ per point 3rd PLACE = CASH BACK (via deposit to checking account or savings account, or via statement credit) RUNNER UP = GIFT CARDS I’ll cover the best ways to redeem Amex Membership Rewards points in another video, and which cards earn those points: Amex Platinum Card, Amex Gold Card, Amex Green Card, Amex EveryDay Card, Amex Everyday Preferred Card, Amex Blue Business Plus Card, etc. I’ll also cover how to redeem Citi credit card rewards points in a third video, and the cards that earn Citi ThankYou points: Citi Prestige card, Citi Premier card, Citi Double Cash Card, Citi Rewards Plus Card, Citi ThankYou Preferred card. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #ultimaterewards #chasesapphire 2020-09-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343517/amex-blue-cash-preferred-best-credit-card-for-groceries https://gamma.videonest.org/343517_thumbnail_resized_v2.webp https://gamma.videonest.org/343517_video_v3.mp4 AMEX BLUE CASH PREFERRED (Best Credit Card For Groceries?) The American Express Blue Cash Preferred card is one of the BEST cash back credit cards for everyday spending! Click "Show More" to see Ad Disclosure. It’s also one of the best credit cards for groceries / supermarkets (BUT not for Walmart, Target, or other superstores). 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull (Oh and first of all, this is NOT a metal credit card) :D I’d still vote it as one of the best looking credit cards ever though! SIGNUP BONUS (as of Sep. 2020) Earn a $300 statement credit after spending $3K in 6 mo. PLUS 0% APR for 12 months on new purchases. This American Express card offer expires 12/10/2020 unless extended or changed. ANNUAL FEE There’s a $95 annual fee on this credit card, but it’s waived for Year 1. SO YES, it could be classified as one of the ‘best cash back credit cards with no annual fee’ if you keep it for 1 year! EARNING CASH BACK REWARDS 6% U.S. Supermarkets 6% U.S. Streaming* 3% Transit** 3% U.S. Gas Stations 1% Everything Else To learn more about ‘Transit’ and ‘Streaming’ categories, here’s the direct link: https://www.americanexpress.com/en-us/benefits/rewards/rewards-information/index.html REDEEMING CASH BACK REWARDS The best way to redeem your cash back is via statement credits. Amex may also offer additional options like gift cards, merchandise and more. NOTE: There is a $25 minimum redemption requirement, and your ‘reward dollars’ cannot be used to cover your minimum payment. INSURANCE & PROTECTIONS The Amex Blue Cash Preferred Card comes with the following protections: Car Rental Loss & Damage Insurance Purchase Protection Return Protection Extended Warranty Fraud Protection To learn more about these protections, go here: https://www.americanexpress.com/us/credit-cards/features-benefits/policies GOOD TO KNOW The annual fee is waived for Year 1 The foreign transaction fees are 2.7% American Express often shows elevated offers via private / incognito browser windows, so use those to navigate to AmericanExpress.com before applying for a new credit card. OTHER CASH BACK CREDIT CARDS Some other great cash back credit cards to use alongside this one are: - Amex Blue Cash Everyday (American Express Blue Cash Everyday card) - Amex Cash Magnet (American Express Cash Magnet card) - Capital One Savor credit card - US Bank Altitude Go card - Bank of America Cash Rewards card - Citi Double Cash card - Chase Freedom Flex card - Chase Freedom Unlimited card - Discover it Cash Back Credit Card - Apple Card (The Apple credit card is best used with Apple Pay) And if you spend a lot on groceries at Target, Walmart, or other superstores, then these credit cards may be a better fit for you: - Walmart credit card (Capital One Walmart Rewards Card) - Target credit card (Target RedCard) - Sam’s Club credit card (Sam’s Club Mastercard / Sam’s Club Credit Card by Synchrony Bank) - Costco credit card (Costco Anywhere Visa Card by Citi) And if you’re interested in the best credit cards for travel, check these out: - Amex Platinum Card - Amex Gold Card - Amex Green Card - Amex EveryDay Credit Card - Amex EveryDay Preferred Credit Card NOTE: All of these Amex cards earn Membership Rewards points, which are AWESOME for travel and can be used together as one of the best credit card strategies. - Chase Sapphire Preferred Card - Chase Sapphire Reserve Card - Chase Freedom Flex Card - Chase Freedom Unlimited Card NOTE: All of these Chase cards earn Ultimate Rewards points, which are AWESOME for travel and can be used together as one of the best credit card strategies. - Citi Premier Card - Citi Prestige Card - Citi Double Cash Card NOTE: All of these Citi cards earn ThankYou points, which are AWESOME for travel and can be used together as one of the best credit card strategies. - US Bank Altitude Reserve Card - Capital One Venture Card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #cashback #amex 2020-09-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343518/best-military-credit-cards-best-credit-cards-for-active-duty-military-members https://gamma.videonest.org/343518_thumbnail_resized_v2.webp https://gamma.videonest.org/343518_video_v3.mp4 BEST MILITARY CREDIT CARDS (Best Credit Cards For Active Duty Military Members) If you’re active duty military and want to maximize credit card rewards, then you have access to some special benefits that waive the annual fees! Click "Show More" to see Ad Disclosure. Let’s discuss the best credit cards for military members so you can earn more cash back or travel points when vacation time comes. Covering this topic is Joe from CreditKim! Check out his channel & subscribe here: https://www.youtube.com/channel/UCmfqMXSMJwBJpIr7WkMQnqA 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull The Servicemembers Civil Relief Act (SCRA) gives active duty U.S. military members access to financial relief and protections. In general, you may qualify for the SCRA if you are: active duty military, national guard on federal orders, reservist on federal active duty. The Military Lending Act (MLA) was implemented by the Department of Defense (DoD) to protect active duty military members, their spouses, and their dependents from certain lending practices. The qualifications for the MLA are similar, but the benefits also extend to active military members’ spouses and dependents. With that said, let’s dive into those military credit cards! 1. USAA CASHBACK REWARDS PLUS AMERICAN EXPRESS CARD This USAA credit card is great because it allows you to earn cashback at gas stations, military bases and grocery stores. Here is the cash back rewards breakdown: - 5% cash back on your first $3K in combined gas station and military base purchases each year - 2% cash back on your first $3K in grocery purchases each year - 1% cash back on everything else with no limits There is NO penalty APR, NO annual fee, and NO foreign transaction fees. You can check your balance, rewards, and more with the USAA mobile app or on USAA.com. Your cash back normally posts within 48 hours after your transaction posts to your credit card account. Here’s the link to the Benefits Guide: https://www.usaa.com/banking/credit-card-benefits-guide 2. AMERICAN EXPRESS PLATINUM CARD The Amex Platinum Card is a metal ‘credit’ card with an annual fee of $550 that can be WAIVED entirely for you! So, for $0 out of pocket, here’s what you can get access to: Earn 5X points on airfare Earn 5X points on prepaid hotels on AmexTravel.com Earn 1X points on everything else Uber Rides with Platinum: Get a $200 annual credit to use on Uber rides and on Uber Eats, broken down into $15/mo. and $35 in December. $100 Saks Fifth Avenue credit $200 Airline Fee Credit Fine Hotels & Resorts Program The Hotel Collection Marriott Bonvoy Gold Elite Status Hilton Honors Gold Elite Status Car Rental Privileges Airport Lounge Access No foreign transaction fees, car rental loss & damage insurance, and more! 3. CHASE SAPPHIRE RESERVE CARD The Chase Sapphire Reserve is one of the best travel credit cards ever released. It’s a metal credit card with a $550 annual fee that can be waived! Here are some of the benefits: Earn 50,000 points after spending $4K in the first 3 months. Earn 3X points on travel & dining Earn 1X points on everything else Chase Ultimate Rewards points are worth 1¢ each toward cash back and 1.5¢ each toward travel on the portal (potentially even MORE when transferred to partner programs like Hyatt and Southwest Airlines) $300 annual travel credit Up to $100 credit toward Global Entry or TSA Precheck Airport lounge access via Priority Pass The Luxury Hotel & Resort Collection Lyft benefits DoorDash benefits No foreign transaction fees Primary rental car insurance And more! 3. AMERICAN EXPRESS GOLD CARD The Amex Gold Card is another metal ‘credit’ card with an annual fee of $250 that can be waived. Here are some of the benefits: - 4X points on U.S. supermarkets - 4X points on dining worldwide - 3X points on flights - 1X points on everything else You’ll also receive an annual $100 Airline Fee Credit and a $120 annual dining credit ($10/mo.) Some other great credit cards for military: PenFed Power Cash Rewards Visa Signature Card, Navy Federal Credit Union Visa Signature Flagship Rewards Credit Card, Navy Federal Credit Union nRewards Secured Credit Card (for building credit), U.S. Pride Credit Card (for 0% APR), Navy Federal Credit Union Platinum Credit Card (for balance transfers). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #militarycreditcards #scra #creditcards 2020-09-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343519/apple-card-review-and-apple-card-unboxing-learn-about-apple-card-daily-cash-and-benefits https://gamma.videonest.org/343519_thumbnail_resized_v2.webp https://gamma.videonest.org/343519_video_v3.mp4 APPLE CARD REVIEW & Apple Card Unboxing! (Learn about Apple Card Daily Cash & Benefits) The Goldman Sachs Apple Card credit card first came out in August 2019, and while it may not be the best cash back credit card ever released, there are a lot of things to like about it. Click "Show More" to see Ad Disclosure. To start, the Apple Card is one of the: - Best credit cards for beginners - Best cash back credit cards with no annual fee - Best metal credit cards with no annual fee - Best credit cards for mobile wallet purchases (i.e. Apple Pay) And the mobile-first / digital nature of the card is brilliantly designed to work with the Apple Wallet app. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS From 9/15/2020 thru 10/14/2020, get $50 Daily Cash when you spend $50+ at Panera Bread using Apple Pay within 30 days of opening your Apple Card account. DIRECT LINK: https://www.panerabread.com/en-us/pay-with-apple-card.html CASH BACK REWARDS The Apple credit card earns cash back in the form of Daily Cash. It’s named well, too! Unlike most cash back credit cards that make you wait until after your billing cycle to receive your rewards, the Apple Card issues cash back right after the transaction posts to your account (i.e. about 1-3 days after the date of purchase). You’ll earn Daily Cash at the following rates: - 3% Daily Cash at Apple - 3% Daily Cash when using Apple Pay at: Panera Bread, Uber, Uber Eats, T-Mobile, ExxonMobil, Nike, Duane Reade, and Walgreens. This partner list will likely grow / change over time. - 2% Daily Cash when using Apple Pay at other locations - 1% Daily Cash on everything else PLUS, you have the option to finance Apple purchases at no interest with a variety of different payment plans. FEES - NO annual fee - NO penalty fees - NO foreign transaction fees - NO ‘other’ fees Like other credit cards, you WILL pay interest if you carry a balance on purchases that are not part of a 0% payment plan, so best practice is always to pay in full. HOW DAILY CASH WORKS - Cash back is issued for every transaction according to the rewards category it falls under - No waiting until end of billing cycle to get your Daily Cash rewards. - Cash back issued shortly after the transaction posts to your account. - View on your ‘Apple Cash card’ (this is separate from the Apple Card itself and functions more like a reloadable debit card; access it from the iPhone Wallet app). HOW TO REDEEM DAILY CASH BACK 1. Open iPhone Wallet app 2. Select Apple Cash card 3. Select Transfer to Bank 4. Choose the amount 5. Choose the transfer method / speed 6. Tap on ‘Transfer’ in top right MASTERCARD BENEFITS https://www.mastercard.com/apple-card-mastercard-benefits.html MANAGING APPLE CARD BY GOLDMAN SACHS - Online / Web: Log in with your Apple ID at card.apple.com | View payment plan info, download PDF statements, make payments, and check credit card balance. - Mobile: Open the Wallet app on your iPhone. TONS of easy-to-understand graphs and charts are viewable in the Wallet app. Plus the Apple Card color changes based on the categories in which you spend (and how much you spend in them)! :D If you’re looking use multiple cash back credit cards together to maximize your rewards, here are some additional cards that you might consider to pair with the Apple Card: - Bank of America Cash Rewards Card - Discover it Cash Back Credit Card - Wells Fargo Platinum Credit Card - US Bank Altitude Go card - US Bank Cash Plus credit card - Citi Double Cash Card - Chase Freedom Flex card - Chase Freedom Unlimited Card - PayPal credit card (PayPal Cashback Mastercard) - Amazon credit card (Amazon Prime Rewards Visa Signature Card) - Walmart credit card (Capital One Walmart Rewards Card) - Target credit card (Target REDCard) - Capital One Savor card - Capital One Quicksilver card - Sam’s Club credit card (Sam’s Club Mastercard) If you’re looking instead for some of the best credit cards for travel, consider these: - Chase Sapphire Preferred card - Chase Sapphire Reserve card - Citi Premier card - Citi Prestige card - Amex Platinum Card - Amex Gold Card - Amex Green Card - Capital One Venture card - Bank of America Premium Rewards credit card - US Bank Altitude Reserve Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #applecard #cashback 2020-09-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343520/wells-fargo-propel-card-review-cash-back-credit-card-no-annual-fee https://gamma.videonest.org/343520_thumbnail_resized_v2.webp https://gamma.videonest.org/343520_video_v3.mp4 WELLS FARGO PROPEL Card Review! (Cash back credit card no annual fee) It’s time for a Wells Fargo Propel American Express Card review! Click "Show More" to see Ad Disclosure. I actually have this credit card in my wallet for a number of reasons, 2 of them being: - It’s one of the best cash back credit cards with no annual fee - It’s a metal credit card with no annual fee :D Actually, that 2nd reason isn’t much of a reason, so instead I’ll say that is has AMAZING cash back rewards :D 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull SIGNUP BONUS You’ll earn 20,000 rewards points worth $200 cash back after spending $1,000 in the first 3 months of card membership. There’s also a 0% APR promo period for 12 months on new purchases and balance transfers. POINTS (“cash back”) Here are the categories in which you’ll earn rewards points that can be turned into cash: 3X Travel 3X Transit 3X Dining 3X Gas Stations 3X Streaming Services 1X Everything Else Here is what Wells Fargo / Amex considers as ‘travel’ … ‘transit’ … and ‘streaming’ as of September 2020. TRAVEL & TRANSIT… Airline, passenger railway, hotel and motel, timeshares, vehicle and auto rentals, cruise lines, travel agencies, discount travel sites, campgrounds, passenger trains, taxis, limousines, ferries, toll bridges and highways, parking lots, and garages. STREAMING… https://www.wellsfargo.com/credit-cards/propel/streaming VALUE OF POINTS Your Wells Fargo Propel card point are worth 1¢ each when redeemed for any of the following: cash back, travel, gift cards, merchandise, digital lifestyle purchases, auctions, and other limited-time offers. That means 3X points = 3% cash back. ANNUAL FEE There’s NO annual fee on the Wells Fargo Propel Amex card. HOW MANY POINTS DID I EARN? In order to see how many points you earned for each transaction, follow these steps: 1. Log in, then choose GO FAR REWARDS 2. Select the ‘More’ menu in the top right 3. Choose the ‘My Rewards’ drop-down menu, then ‘Account Activity/Orders’ 4. View the itemized breakdown of all your purchases and how many rewards points were issued REDEEMING POINTS: Note that there’s a minimum redemption requirement of 2,500 points ($25) in order to cash your points out. You must also redeem in 2,500-point / $25 increments. INSURANCE + PROTECTIONS https://www.wellsfargo.com/credit-cards/propel/guide-to-benefits SHOULD YOU GET IT? YES if you… - Want a cash back card w/ no AF - Spend in 3X categories: travel, transit, dining, gas, and streaming - Want cell phone protection NO if you… - Want travel transfer partners - Have a lot of non-bonus spend - Want 1 card for all purchases - Prefer Visa / Mastercard for wider acceptance GOOD TO KNOW / OTHER INFO - No foreign transaction fees - No limit to amount of points you can earn - Points don’t expire as long as your account is open - Wells Fargo = ‘relationship bank’ | Best to have banking relationship before applying. If you’re looking to run a multi-card setup, here are some other cash back credit cards that you might consider using alongside the Wells Fargo Propel American Express card: - Bank of America Cash Rewards Card - Discover it Cash Back Credit Card - Wells Fargo Platinum Credit Card - US Bank Altitude Go card - US Bank Cash Plus credit card - Citi Double Cash Card - Chase Freedom Flex card - PayPal credit card (PayPal Cashback Mastercard) - Amazon credit card (Amazon Prime Rewards Visa Signature Card) - Walmart credit card (Capital One Walmart Rewards Card) - Target credit card (Target REDCard) - Capital One Savor card - Capital One Quicksilver card - Sam’s Club credit card (Sam’s Club Mastercard) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #cashback #wellsfargo 2020-09-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343521/4-best-business-credit-cards-cash-back-credit-cards-no-annual-fee https://gamma.videonest.org/343521_thumbnail_resized_v2.webp https://gamma.videonest.org/343521_video_v3.mp4 4 BEST BUSINESS CREDIT CARDS (Cash Back Credit Cards No Annual Fee) There are a bunch of great business credit on the market today! Click "Show More" to see Ad Disclosure. When it comes to the best business credit cards for new business, usually at least one of the following come to mind first: Chase Ink Business Preferred, Amex Business Platinum Card, Amex Business Gold Card, Amex Blue Business Plus Card, and the Capital One Spark Business Cards. Those credit cards are GREAT. However, THIS VIDEO is about the best CASH BACK business credit cards with no annual fee. Let’s get started! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 1. CHASE INK BUSINESS CASH CREDIT CARD For the signup bonus, you’ll earn $500 cash after spending $3,000 in the first 3 months. There’s also a 0% APR promo rate for the first 12 months of card membership. You’ll earn cash back in the form of Ultimate Rewards points at the following rates: - 5% cash back at office supply stores - 5% cash back on internet, cable & phone purchases - 2% cash back at gas stations - 2% cash back at restaurants 1% cash back on everything else For insurance: - Auto rental collision damage waiver (coverage is PRIMARY!) - Travel and emergency assistance services - Roadside dispatch - Purchase protection - Extended warranty protection There is NO annual fee. NO additional fee to add employee credit cards. Balance transfers cost $5 or 5% each, whichever is greater. And there are NO foreign transaction fees. 2. AMERICAN EXPRESS BLUE BUSINESS CASH CREDIT CARD For the signup bonus, you can earn up to $300 in statement credits as follows: - Up to $100 at Dell Technologies - Up to $100 at DocuSign - Up to $100 at FedEx This credit cards has no interest for the first 12 months of card membership. For rewards, you’ll earn 2% cash back on all purchases, up to $50K spend per calendar year, then 1% going forward. The cash back is issued in the form of a statement credit, and is done automatically after your billing cycle. For insurance and protections, you’ll receive the following: - Car rental loss and damage insurance (secondary coverage) - Global Assist Hotline - Extended warranty (1 extra year on warranties of 5 years or less) - Purchase protection for up to 90 days NO annual fee NO employee-card fees Balance transfers = $5 or 3%, whichever is greater Foreign transaction fees = 2.7% 3. U.S. BANK BUSINESS CASH REWARDS WORLD ELITE MASTERCARD The current signup bonus is $500 cash back after spending $4,500 in the first 150 days. There’s also 0% interest for the first 15 months of card membership. You’ll earn cash back at the following rates in the following categories: - 3% cash back at gas stations - 3% cash back at office supply stores - 3% cash back at cell phone providers - 1% cash back on everything else A really cool feature is the 25% annual bonus! This allows you to get 25% of your prior year’s rewards, up to $250, on the anniversary of opening your account. For insurance coverage, the following comes with the card: - Zero fraud liability insurance - Cell phone protection: Coverage is for damage or theft up to $1,000 per year. $800 maximum per claim. Two claims per year. NO annual fee. NO employee-card fees. Balance transfers are $5 or 3%, whichever is greater Foreign Transaction Fees = 2% in USD or 3% in a foreign currency 4. BANK OF AMERICA BUSINESS ADVANTAGE CASH REWARDS CREDIT CARD The current signup bonus is a $300 statement credit when you spend $3K in the first 90 days. There’s also no interest for the first 9 months. 3% cash back in a category of your choice Choose from: - Gas stations - Office supply stores - Travel - TV/telecom and wireless providers - Computer services - Business consulting services 2% cash back on dining 1% cash back on everything. This card is also eligible for the Bank of America Preferred Rewards for Business program: https://www.bankofamerica.com/preferred-rewards/business-advantage/?cm_mmc=SB-General-_-vanity-_-SG01VN001C_rewardsforbusiness-_-NA You'll also get... - Zero liability protection - Overdraft protection - Fraud monitoring - Paperless statements - Travel & Emergency Service coverage There is NO annual fee, NO fee for employee credit cards, balance transfers are $10 or 4% (whichever is greater), and foreign transaction fees are 3%. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #businesscreditcards #cashback 2020-09-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343522/discover-it-cashback-card-review-best-cash-back-credit-cards https://gamma.videonest.org/343522_thumbnail_resized_v2.webp https://gamma.videonest.org/343522_video_v3.mp4 DISCOVER IT CASHBACK CARD REVIEW! (Best Cash Back Credit Cards) The Discover it Cash Back Credit Card is one of the BEST cash back credit cards with NO ANNUAL FEE. It’s also a fantastic credit card for beginners in 2020. Click "Show More" to see Ad Disclosure. 💳👉 *DISCOVER IT $100 BONUS!* (Valid thru 12.31.2023) (Earn a $100 statement credit after making a purchase in your first 3 months.) https://markscreditcards.com/referdiscoverit 💳👉VIEW OTHER CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Here’s why the Discover it Cash Back card is so GREAT! First, it gives you 5% cash back in quarterly categories that rotate. As an example, here’s the Discover cash back calendar for 2020: Jan-Mar: 5% cash back at Grocery Stores, Walgreens and CVS Pharmacy Apr-Jun: 5% cash back at The Home Depot, Gas Stations, Uber, Lyft, and Wholesale Clubs Jul-Sep: 5% cash back at Restaurants and PayPal Oct-Dec: 5% cash back at Amazon.com, Walmart.com and Target.com The signup bonus for the Discover it card is unique. Rather than giving cashback up front, Discover has their ‘Discover Cashback MATCH.’ This means they’ll match all cashback earned in Year 1. So if you earned $300 of cash back, they’ll give you $600! NOTE: There are limits to the 5% cash back categories: 1. You MUST activate each quarter. Discover will send you an email that allows you to activate the 5% cash back category with a single click. You can also activate in your online account on in the app. 2. You’ll earn 5% cash back on up to $1,500 spend in the quarterly category, then 1%. In other words, you can earn a maximum of $75 cash back at the 5% rate, then 1% beyond that until the next quarter resets the 1.5K spend limit. This credit card has no interest for 14 months on both new purchases and on balance transfers. As with all Discover credit cards, the “it” has no annual fee. When it comes to REDEEMING CASHBACK, here are the 3 main options: 1. Deposit into a bank account (i.e. savings account or checking account) 2. Statement credit 3. Pay with cashback: You can connect your Discover credit card to Amazon and PayPal to use your cash back rewards during checkout to buy things online :-) There’s no minimum to redeem your cash back (even $0.01 is ok)! Discover also lets you choose your own credit card design (not an actual ‘benefit,’ but definitely something cool). Some of the credit card security features include: - $0 Fraud Liability Guarantee - Fraud Protection - Overnight card replacement - Freeze it (turn card on/off) - Free credit score - 100% U.S.-based customer service Some notes regarding fees… - NO annual fee - NO foreign transaction fees - NO over-limit fees - YES balance transfer fee (3% intro | 5% after) - YES cash advance fee ($10 or 5%, whichever is greater) SHOULD YOU GET THIS CREDIT CARD? YES if you… - Are looking for one of the best credit cards for beginners - Want one of the best cash back credit cards (not travel points) - Spend a lot at home (e.g. Gas, grocery, dining, retail, etc.) - Want to use it as part of a larger cash back credit card strategy* NO if you… - Want travel credit card rewards - Want better credit card insurance / protections - Have a lot of non-bonus spend** - Want 1 card to ‘do it all’ *If you’re looking to run a multi-card setup, here are some other cash back credit cards that you might consider using alongside the Discover it card: - Bank of America Cash Rewards Card - Wells Fargo Propel American Express Card - Wells Fargo Platinum Credit Card - US Bank Altitude Go card - US Bank Cash Plus credit card - Citi Double Cash Card - Chase Freedom card - Chase Freedom Flex card - Chase Freedom Unlimited card - Amex Blue Cash Everyday card - Amex Blue Cash Preferred card - Amex Cash Magnet card - Capital One Quicksilver card - PayPal credit card ** If you’re looking for a great no-fee cash back credit card to maximize your non-bonus spend, here are a couple great choices: - Citi Double Cash credit card - PayPal Cashback Mastercard - Apple Card (when using Apple Pay) - Fidelity Rewards Visa Signature Card If you’re looking instead for some of the best travel credit cards, check these out… - Chase Sapphire Preferred - Chase Sapphire Reserve - Amex Platinum Card - Amex Gold Card - Citi Premier Card - Citi Prestige Card - US Bank Altitude Reserve card - Capital One Venture card Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #discoverit #cashback 2020-09-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343523/watch-me-apply-apple-card-apple-credit-card-application https://gamma.videonest.org/343523_thumbnail_resized_v2.webp https://gamma.videonest.org/343523_video_v3.mp4 *WATCH ME APPLY* Apple Card!! (Apple Credit Card Application) The Apple Card is GREAT in a lot of ways (or should I say Goldman Sachs Apple Credit Card)! Click "Show More" to see Ad Disclosure. It’s one of the best credit cards for beginners after building a foundation with a secured credit card. It’s one of the best cash back credit cards with no annual fee for those who like using a mobile wallet (i.e. Apple Pay) to buy things with their phone. And it’s also a really cool metal credit card with an impressive drop test and sleek design :-) 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Before going further, IT’S TRUE, there are better credit cards out there if your #1 focus is to get the most cash back on your purchases. The best credit card for YOU will be based on your spending patterns and life situation, but a few of the better options might include: Wells Fargo Propel American Express Card, Citi Double Cash credit card, Discover it Cash Back Credit Card, Chase Freedom Flex card, Chase Freedom Unlimited card, Capital One Savor card, US Bank Altitude Go card, US Bank Cash Plus credit card, Amex Everyday card, Amex Blue Cash Everyday card, Bank of America Cash Rewards card, Fidelity credit card, PayPal credit card, Walmart credit card, Target credit card / Target Redcard, and the list goes on from there :-) While this video is not a detailed review of the Apple credit card (that will come after I get the card in the mail), I’ll still share some of the reasons why I got it... FIRST, it’s a very INNOVATIVE credit card. In fact, I believe it represents the future of credit cards, being that it’s mobile-first and digitally oriented. Because it’s a big part of Apple’s ecosystem, it’s naturally a very simple product (and that’s rare in today’s credit card world!). The Apple Card application process was VERY SIMPLE, and getting the card was even simpler! Rather than waiting 7-10 business days to receive the credit card by mail, it can be added INSTANTLY to Apple’s ‘Wallet’ app for immediate use! Then, as you earn Daily Cash back, it’s available for use shortly thereafter instead of waiting for an entire billing cycle to end. Lastly, the card management tools have been greatly simplified compared to other cards on the market. SECOND, it’s very EMPOWERING to consumers. It offers great financial clarity and transparency. There are NO FEES (i.e. no annual fees, no over-the-limit fees, no foreign transaction fees, no late fees!). That’s really impressive! The visual dashboards are also great for helping you track your spending habits to see where your money is going. Added tips to help you avoid interest payments is a really unique feature, too (especially considering most banks want you to pay interest!). THIRD, I wanted to get first-hand experience using the Apple Card. That way when it comes time for a full Apple Card review, I’ll be able to speak from real experience. (And FOURTH, be it a smaller reason, is the fact that’s it’s a really cool metal credit card with no annual fee. An upcoming Apple Card unboxing and drop test will for sure have to happen) :D (And FIFTH, this is Goldman Sachs major entry into the consumer credit card market, and I think it’s rather cool to be a part of that) ;-) All that said, I really like how the Apple Card is putting more power and control back into consumers’ hands. A financial product that helps people make smarter decisions, build smarter money habits, and contribute to a better understanding of their finances is a good thing. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #applecard #creditcards #cashback 2020-09-04T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343524/my-1-credit-card-2020-us-bank-altitude-reserve-metal-credit-card https://gamma.videonest.org/343524_thumbnail_resized_v2.webp https://gamma.videonest.org/343524_video_v3.mp4 My #1 CREDIT CARD 2020 (US Bank Altitude Reserve metal credit card) The US Bank Altitude Reserve credit card is INCREDIBLE. In fact, if I could only have ONE credit card in 2020, THIS would be it! Click "Show More" to see Ad Disclosure. This Altitude Reserve metal credit card is best for travel AND cash back! It’s fantastic for everyday spend and that makes it easy to choose as my # 1 pick! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull POINTS You’ll earn credit card rewards points (‘Altitude Points’) at the following rates: 5X Prepaid Hotels (via Altitude Rewards Center) 5X Prepaid Car Rentals (via Altitude Rewards Center) 3X Travel 3X Dining (thru 12/31/2020) 3X Mobile Wallet transactions 1X Everything Else Here’s what the rewards points are worth: - 1.0¢ each for cash back - 1.5¢ each for travel via the portal As an example… 10,000 points = $100 Cash Back = $150 Travel NOW… THE REASON WHY THIS CARD IS SO POWERFUL! Is because… Of the ability to earn 3X points on ALL MOBILE WALLET TRANSACTIONS. That means it doesn’t matter what ‘category’ or ‘merchant’ you’re making your purchase at. As long as mobile wallet payments are accepted, you’ll earn 3X points! That’s equivalent to 3% cash back on (nearly) EVERYTHING or 4.5% back on (nearly) EVERYTHING TOWARD TRAVEL! If the merchant accepts Apple Pay, Android Pay, Samsung Pay, LG Pay, or Google Pay, you can use this credit card via your phone and earn points VERY quickly! There are 3 MAIN METHODS TO REDEEM POINTS… Method 1: Real-Time Rewards gives you instant redemption after you make a purchase. US Bank will send you a text asking if you want to use points to wipe out the transaction via statement credit. Your points will be worth 1.5¢ each if it’s a travel purchase made directly with the travel company. There is a minimum purchase amount for $250 for rental cars and $500 for lodging (e.g. your hotel). You can also use points at 1.0¢ each to cover non-travel purchases (exceptions: gas stations & restaurants). Method 2: The travel portal allows you to use your points during the booking process. They’ll be worth 1.5¢ each on flights, hotels, etc. Booking via this portal is NOT SUBJECT TO the $250 / $500 minimum requirements for rental cars and lodging, respectively. That limitation is only for Real-Time rewards. Method 3: Cash back is a good option, too. Just be aware there is a minimum redemption amount of 5,000 points ($50) and you must redeem in increments of 5,000 points ($50, $100, $150, etc.) The Altitude Reserve card has a $400 annual fee The SIGNUP BONUS as of September 2020 is 50,000 points after spending $4,500 in the first 90 days. That’s worth $500 cash back or $750 toward travel. There’s a $325 ANNUAL TRAVEL CREDIT that automatically reimburses you for travel purchases made with airlines, hotels, car rental companies, cruise lines, taxicabs, limousines, and passenger trains. NOTE: Through 12/31/2020, this $325 credit also covers dining, including: restaurants, takeout and food delivery. OTHER PERKS INCLUDE… - Airport lounge access via Priority Pass (limit 4 passes per year, then pay for day passes) - $100 credit toward TSA Precheck or Global Entry - 12 Gogo inflight wi-fi passes each year - No foreign transaction fees - Special privileges at Relais & Chateaux hotels - Elevated concierge service - Rental privileges and discounts with Silvercar - PLUS more! Since this is a VISA INFINITE credit card, you’ll also get access to the Visa Infinite Luxury Hotel Collection, which provides benefits like: complimentary breakfast daily, room upgrades, special amenities, etc. BENEFITS LINK: https://www.myvisacardportal.com/usbank/en_us/altitude/altitudereserve/visabenefits.html There are also tons of INSURANCE & PROTECTIONS: https://www.myvisacardportal.com/usbank/en_us/altitude/altitudereserve/protections.html FINAL NOTE TO BE AWARE OF… You must have a prior relationship with US Bank before applying for the Altitude Reserve card. Opening a free checking account, savings account, another credit card, etc. will work just fine. And finally, yes, this is a metal credit card with an impressive drop test and elegant unboxing :-) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #usbank #altitudereserve 2020-09-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343525/chase-freedom-flex-vs-chase-freedom-unlimited-best-cash-back-credit-cards https://gamma.videonest.org/343525_thumbnail_resized_v2.webp https://gamma.videonest.org/343525_video_v3.mp4 Chase Freedom FLEX vs. Chase Freedom UNLIMITED (Best Cash Back Credit Cards) Two of the best cash back credit cards (for beginners and advanced users alike) are about to get a HUGE overhaul in their benefits. Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull PRESS RELEASE! https://mastercardcontentexchange.com/newsroom/press-releases/2020/august/introducing-new-chase-freedom-flex-credit-card-and-more-cash-back-opportunities-for-freedom-unlimited-cardmembers/ So what’s changing? Here’s the rundown! The CHASE FREEDOM FLEX card will earn rewards points in the following categories: - 5% Rotating Quarterly Categories (i.e. new bonus categories every 3 months) - 5% Travel (booked through the Chase Ultimate Rewards portal) - 3% Dining (including takeout and eligible delivery services) - 3% Drugstores / Pharmacies - 1% Everything Else Note that the Rotating Quarterly Categories are CAPPED on up to $1,500 spend per quarter (i.e. you can earn a maximum of 7,500 UR points or $75 cash back at 5%, then it goes down to 1% afterwards until the next quarter begins). The CHASE FREEDOM UNLIMITED card will earn rewards points in the following categories: - 5% Travel (booked through the Chase Ultimate Rewards portal) - 3% Dining (including takeout and eligible delivery services) - 3% Drugstores / Pharmacies - 1.5% Everything Else So these cash back credit cards with no annual fee are very similar, but the main difference is that the Freedom Flex earns 5% in capped categories that change while the Freedom Unlimited earns 1.5% in a broad category with no cap. MORE CHANGES!!! The Chase Freedom Unlimited will remain a Visa card. The Chase Freedom Flex will be a Mastercard. ~~ This means 2 big things for a lot of people. ~~ First, ONLY the Chase Freedom Unlimited can be used at Costco. Second, the Freedom Flex card will be the WORLD ELITE MASTERCARD BENEFITS, including: - Cell Phone Insurance – Up to $800 per claim and $1,000 per year. - Lyft – $10 in credit for every 5 rides taken in a calendar month - Boxed – 5% cash rewards on Boxed purchases for use on future purchases. - ShopRunner – Free membership - Fandango – Double VIP+ points for movie tickets purchased via the Fandango app or Fandango.com. These credit cards also SHARE BENEFITS. - Lyft: Earn 5% back on rides thru March 2022 - DashPass by DoorDash for 1 Year First 3 months: FREE, Unlimited deliveries for $0 delivery fee for order over $12 Next 9 months: 50% OFF, Auto-enrolled in DashPass at 50% off for next 9 mo. So which credit card is best for YOU? The simple answer… GET THE CHASE FREEDOM FLEX if you: - DO want 1 credit card - DO want cell phone insurance - DON’T shop at Costco - DON’T have much non-bonus spend GET THE CHASE FREEDOM UNLIMITED if you: - DO want 1 credit card - DON’T want cell phone insurance - DO shop at Costco - DO have a lot of non-bonus spend The ‘value’ answer… GET BOTH! The credit card points you earn from both will be pooled together! NOW FOR SOME FAQs… 1. Can I have 2 Chase Freedom Flex credit cards at the same time? No. (Unclear if Chase will also block the downgrade route.) 2. Can I have Chase Freedom (old) + Chase Freedom Flex (new)? Yes. 3. Can I have the Chase Freedom Unlimited and the Chase Freedom Flex (new) at the same time? Yes, you can have both. 4. I already have the Chase Freedom Unlimited. Will I get the new benefits? Yes, you’ll automatically get the new 5%/3%/3% categories starting 9/15/2020. No need to call in. 5. I already have the Chase Freedom. Can I keep it as is? Yes, you can keep your current Chase Freedom card as a Visa without changing to the new ‘Flex’ Mastercard (at least for now). 6. Are these considered NEW credit cards? The Chase Freedom Flex is a NEW credit card. The Chase Freedom Unlimited is a revamp. Lastly... - Both credit cards have foreign transaction fees of 3%. So YES, it may be wise to book travel on these cards via the Chase Ultimate Rewards Travel Portal, but it’s better to use the Chase Sapphire Preferred or Chase Sapphire Reserve cards for your purchases if you’re traveling internationally. - Both credit cards are subject to the Chase 5/24 Rule. This means Chase will not approve you for them if you’ve opened 5 or more credit cards with any bank (and that show up on your credit report) in the past 24 months. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #chasefreedomflex #cashback 2020-09-01T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343526/chase-sapphire-preferred-vs-reserve-2020 https://gamma.videonest.org/343526_thumbnail_resized_v2.webp https://gamma.videonest.org/343526_video_v3.mp4 Chase Sapphire PREFERRED vs. RESERVE 2020 There are 2 Chase credit cards that get A LOT of attention when people ask how to travel the world for free. And for a good reason, too! Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Both of these travel credit cards are phenomenal choices to save money on travel, but one might be a better match for you than the other. In this video, I’m going to compare these 2 metal credit cards so you can save a bunch of money on your next vacation :-) Before we get into the details, let’s first understand what Chase considers to be ‘travel.’ Airlines, hotels, motels, timeshares, car rental agencies, travel agencies, discount travel sites, campgrounds, passenger trains, buses, taxis, limousines, ferries, toll bridges, highways, parking lots, and garages. ^ These are the types of credit card transactions that will ‘trigger’ the travel bonus categories and travel credit mentioned in the video. Here's the link to how Chase categorizes purchases: https://www.chase.com/personal/credit-cards/rewards-category-faq And what are the points worth? Chase Ultimate Rewards points, in general, are worth: 1 point = 2¢ on average when redeemed via the Chase travel portal 1 point = 1.5¢ when redeemed via the Chase travel portal with the Chase Sapphire Reserve 1 point = 1.25¢ when redeemed via the Chase travel portal with the Chase Sapphire Preferred 1 point = 1¢ when redeemed with either the Chase CSP or Chase CSR for cash back ***Now for the comparison*** CHASE SAPPHIRE PREFERRED CREDIT CARD The Chase Sapphire Preferred will earn Ultimate Rewards points at the following rates: - 2X points on Travel - 2X points on Dining - 1X points on Everything Else The current signup bonus as of August 2020 is 60,000 Ultimate Rewards points when you spend $4K in the first 3 months. That bonus would average around $1,200 via Chase’s transfer partners, $750 via the Chase Travel Portal directly, and $600 of cash back. The annual fee on this travel credit card is $95. Here are some of the additional perks of the Chase Sapphire Preferred: - Points are worth 25% more toward travel on the Chase portal - Points transfer 1:1 to Travel Partners* (listed below) - DashPass for 1 year - Lyft: Earn 5X points thru March 2022 - Customer Service: Direct access to a rep - No Foreign Transaction Fees (FTFs) - Insurance coverage** (listed below) *Current Chase Transfer Partners as of August 2020: Aer Lingus, AerClub British Airways Executive Club Emirates Skywards Flying Blue Air France KLM Iberia Plus JetBlue TrueBlue Singapore Airlines KrisFlyer Southwest Airlines Rapid Rewards United MileagePlus Virgin Atlantic Flying Club IHG Rewards Club Marriott Bonvoy World of Hyatt **Current travel insurance offered by the Chase Sapphire Preferred: - Trip cancellation / interruption insurance - Auto rental collision damage waiver - Baggage delay insurance - Trip delay reimbursement - Travel and emergency assistance services **Current purchase insurance offered by the Chase Sapphire Preferred: - Purchase protection - Extended warranty protection Now onto the next card! CHASE SAPPHIRE RESERVE CREDIT CARD The Chase Sapphire Preferred will earn Ultimate Rewards points at the following rates: - 3X points on Travel - 3X points on Dining - 1X points on Everything Else The current signup bonus as of August 2020 is 50,000 Ultimate Rewards points when you spend $4K in the first 3 months. That bonus would average around $1,000 via Chase’s transfer partners, $750 via the Chase Travel Portal directly, and $500 of cash back. The annual fee on this travel credit card is $95. Here are some of the additional perks of the Chase Sapphire Preferred: - Points are worth 50% more toward travel on the Chase portal - Points transfer 1:1 to Travel Partners (same as the CSP) - $300 annual travel credit - $100 credit for TSA Precheck or Global Entry - Airport lounge access via Priority Pass - Access to the Luxury Hotel & Resort Collection - DashPass for 1 year + $120 of statement credits for DoorDash orders - Lyft: Earn 10X points thru March 2022 + Lyft Pink membership for 1 year - Customer Service: Direct access to a rep - No Foreign Transaction Fees (FTFs) - Insurance coverage (similar to CSP, but with some differences) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #sapphirepreferred #sapphirereserve 2020-08-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343527/chase-freedom-vs-chase-freedom-unlimited-cash-back-credit-cards-2020 https://gamma.videonest.org/343527_thumbnail_resized_v2.webp https://gamma.videonest.org/343527_video_v3.mp4 Chase FREEDOM vs. Chase FREEDOM UNLIMITED (Cash Back Credit Cards 2020) Two of the best cash back credit cards (for beginners and advanced users alike) are the Chase Freedom credit card and the Chase Freedom Unlimited credit card. Click "Show More" to see Ad Disclosure. Both of these credit cards earn Ultimate Rewards points that can be converted into cash back (i.e. 1 point = 1¢ … so 10,000 points = $100). They are also credit cards with no annual fee. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull So which one is best for you? Let’s compare! FIRST: Chase Freedom Credit Card – This card earns 5% cash back on rotating categories each quarter of the year (i.e. they change every 3 months). Before each quarter begins, Chase will remind you to ‘activate’ the Freedom’s upcoming category. There is a maximum you can earn at the 5% level … which is up to $1,500 spend for $75 cash back. After that, you’ll continue earning 1% until the next quarter begins. The typical categories we see each year are gas stations, dining / restaurants, and groceries / supermarkets. The current signup bonus is $200 cash (i.e. 20,000 points) after spending $500 in the 1st 3 months … PLUS … earn 5% cash back at supermarkets / grocery stores for the entire 1st year (up to $12K spend). So if you max that out, that’s $600 cash from groceries + $200 from the standard bonus = $800 cash back in Year 1! All from a credit card with NO ANNUAL FEE and 0% interest for 15 months! SECOND: Chase Freedom Unlimited Credit Card – This card earns 1.5% cash back all year long. There is no limit to the amount of cash you earn, and there are no rotating categories to keep track of. The current signup bonus is identical to the Freedom Card’s (i.e. $200 cash back as part of the standard offer, and 5% back on groceries for Year 1). There is no annual fee on this credit card and it also has no interest for 15 months. So which credit card is best for YOU? Answer A: Get the Chase Freedom if you spend most of your money on gas, groceries and dining … because these typically end up being quarterly cash back categories each year (meaning you can earn a LOT very easily). Get the Freedom Unlimited card if you want simplicity (i.e. no categories to keep track of) and/or if you have a lot of ‘non-bonus spend’ (examples include utilities, insurance, online shopping, healthcare, etc.) Answer B: GET BOTH! These credit cards have no annual fee, so they cost you nothing to hold onto each year. Use the Chase Freedom ONLY for the current 5% cash back category, and the Chase Freedom Unlimited for everything else (that extra 0.5% adds up after a full year). Then, you can pool your points together as 1 rewards balance Basically these 2 credit cards work together beautifully to help you earn even more cash back each year. As a couple end notes… - These cards have no minimum requirement to redeem for cash back (so if you have $1.00 … you can cash it out). - The cash back / rewards points do not expire as long as your account is open. - Both credit cards have foreign transaction fees of 3%. So, if you’re traveling abroad, you may want to look at the Chase Sapphire Preferred or Chase Sapphire Reserve for your trip. - Both credit cards are subject to the Chase 5/24 Rule. This means Chase will not approve you for them if you’ve opened 5 or more credit cards with any bank (and that show up on your credit report) in the past 24 months. So if you want either card, make sure you’re at 4/24 or lower first. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #chasefreedom #cashback 2020-08-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343528/7-best-credit-cards-for-dining-2020-cash-back-credit-cards-no-annual-fee https://gamma.videonest.org/343528_thumbnail_resized_v2.webp https://gamma.videonest.org/343528_video_v3.mp4 7 BEST CREDIT CARDS FOR DINING 2020! (Cash Back Credit Cards No Annual Fee) Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CREDIT CARD 1: US Bank Altitude Go This is an AMAZING credit card for dining / restaurants; it earns 4X points in this category! You’ll also earn 2X on grocery stores, 2X points on gas stations, 2X points on streaming, and 1X points on everything else. 1 pt = 1¢, so “4X Dining” actually means 4% cash back on dining (and 10,000 points = $100, for example). The signup bonus is 25,000 points ($250 cash back) when you spend $1K in the first 90 days. It comes with 0% APR for 12 months, a $15/year streaming credit, and has no annual fee. YES…it is a metal credit card! CREDIT CARD 2: Capital One SavorOne This card earns 3% cash back on dining, 3% on entertainment, 2% on grocery stores (except superstores like Walmart & Target), and 1% on everything else. The current signup bonus is $150 cash after you spend $500 in the first 3 months. You’ll also earn 5% cash back on Uber Eats until 1/31/2021. This credit card has no interest for 15 months, no foreign transaction fees, and no annual fee. CREDIT CARD 3: Wells Fargo Propel American Express The Wells Fargo Propel card is incredible. Period. Not only is it a credit card for restaurants, but also a bunch of everyday categories. It earns points that are worth 1¢ each, so each category is also a percent cash back. With it you will earn 3X points on dining, 3X on gas stations, 3X on rideshares and transit, 3X on travel, 3X on streaming, and 1X on everything else. The current welcome bonus is $200 cash (i.e. 20,000 points) after spending $1,000 in the first 3 months. This credit cards has cell phone protection (up to $600), no foreign transaction fees, no interest for 12 months, and gives access to My Wells Fargo Deals and the Wells Fargo Earn More Mall. The Propel credit card has no annual fee. CREDIT CARD 4: Bank of America Cash Rewards Choose ‘Dining’ as your category, and you’ll make this a powerful credit card for restaurant purchases! It’ll also earn 2% cash back on grocery stores, 2% at wholesale clubs, and 1% on everything else. The 3% and 2% categories work on up to $2,500 in combined spend per quarter, then go down to 1% until they refresh. The current signup bonus is $200 cash after you spend $1K in 90 days. The card is interest-free for the first 12 months, and gives access to the Bank of America Preferred Rewards program (this allows you to earn 25% - 75% MORE cash back when you keep a certain level of cash with the bank). There’s no annual fee with this credit card. CREDIT CARD 5: Citi Costco Anywhere Visa You’ll earn 4% cash back at gas stations, 3% on dining, 3% on travel, 2% at Costco and Costco.com, and 1% on everything else. Note that the cash back is issued 1 time per year as a certificate to use at Costco. If you want actual cash, bring the rewards certificate onsite to a warehouse and redeem it there. There’s no signup bonus being offered at the moment, but the card does function as your ID card for entrance. The credit card also gives extended warranty coverage and eliminates both foreign transaction fees and annual fees. CREDIT CARD 6: AARP Credit Card from Chase Earn 3% cash back on dining, 3% on gas stations, and 1% on everything else. The signup bonus is $100 cash after spending $500 in the first 3 months. For every purchase you make at restaurants with your AARP Credit Card from Chase, $0.10 will be donated to AARP Foundation in support of Drive To End Hunger, up to $1.0 Million in 2020. This is a credit card with NO ANNUAL FEE if you’re an AARP member. CREDIT CARD 7: Verizon Visa Card The new Verizon credit card is pretty darn AWESOME! It earns 4% cash back at grocery stores, 4% at gas stations, 3% on dining, 2% at Verizon, and 1% on everything else. Note that the cash back on this credit card is actually Verizon Dollars. Use your cash for a new phone, accessories, and to pay your monthly bill! The welcome offer is a $100 statement credit that’s applied to your account over 24 months. There are no foreign transaction fees and it comes with 2 free TravelPass days per year. When you choose this card as you payment method, you’ll get $10 off your monthly bill, up to 10 lines. And yes, this is a metal credit card with no annual fee! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #cashback #bestcreditcards 2020-08-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343529/4-best-travel-credit-cards-for-beginners-2020-how-to-travel-for-free https://gamma.videonest.org/343529_thumbnail_resized_v2.webp https://gamma.videonest.org/343529_video_v3.mp4 4 BEST TRAVEL CREDIT CARDS For Beginners 2020 (How To Travel For Free!) Using credit cards to travel for free is a LOT OF FUN and allow you to save money on travel in a BIG way! Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull In short, there are 4 major credit card point systems that offer HUGE flexibility. They are: - Chase Ultimate Rewards - Citi ThankYou Points - American Express Membership Rewards - Capital One Venture Rewards Now, let’s talk about the 4 credit cards that each of these banks offer that allow beginners to break into these ecosystems for massive savings! FIRST is the Chase Sapphire Preferred card. It allows you to earn 2X points on travel, 2X points on dining, and 1X points on everything else. It also comes with 1 year of DashPass membership and the ability to earn 5X points on Lyft rides at least through March 2022. There are no foreign transaction fees, and the card has an annual fee of $95. The value of one Ultimate Rewards point averages 2¢ each when redeemed for travel via transfer partners, 1.25¢ each when redeemed directly on Chase’s travel portal, and 1.0¢ each for cash back. In case you're wondering...YES...the Chase Sapphire Preferred card is a metal credit card :-) The current Chase Ultimate Rewards transfer partners are: Aer Lingus, AerClub British Airways Executive Club Emirates Skywards Flying Blue Air France KLM Iberia Plus JetBlue TrueBlue Singapore Airlines KrisFlyer Southwest Airlines Rapid Rewards United MileagePlus Virgin Atlantic Flying Club IHG Rewards Club Marriott Bonvoy World of Hyatt SECOND is the Citi Premier card. It allows you to earn 3X points on airfare and hotels, 3X points on restaurants, 3X points on supermarkets, 3X points at gas stations, and 1X points on everything else. It comes with an annual $100 hotel credit and does NOT charge foreign transaction fees. The annual fee is $95. The average value of Citi ThankYou points is 1.7¢ each toward travel via transfer partners, 1.0¢ each toward travel via Citi’s portal, and 0.5¢ each for cash back. The current Citi ThankYou transfer partners are: Aeromexico Asia Miles Avianca Lifemiles Emirates Skywards Etihad Guest EVA Air Flying Blue Air France KLM JetBlue TrueBlue JetPrivilege Malaysia Airlines Enrich Quantas Frequent Flyer Qatar Privilege Club Singapore Airlines KrisFlyer Thai Royal Orchid Plus Turkish Airlines Miles & Smiles Virgin Atlantic Flying Club THIRD is the American Express Green Card. You’ll earn 3X points on travel, 3X points on restaurants, 3X points on transit, and 1X points on everything else. It comes with an annual $100 CLEAR credit and an annual $100 LoungeBuddy credit. In short, CLEAR helps you get through airport security faster, and LoungeBuddy gets you into airport lounges. Check out the links below to learn more about them. The Amex Green Card has an annual fee of $150. CLEAR: https://www.clearme.com LoungeBuddy: https://www.loungebuddy.com The value of 1 Membership Rewards point averages 2.0¢ each when redeemed for travel via transfer partners, 1.0¢ each when redeemed on the Amex Travel portal, and 0.6¢ each for cash back. The current Amex Membership Rewards transfer partners are: Aer Lingus Aer Club Aeromexico Air Canada Air France KLM Flying Blue Alitalia Millemiglia ANA Mileage Club Asia Miles Avianca Lifemiles British Airways Delta SkyMiles El Al Israel Airlines Emirates Skywards Etihad Guest Hawaiian Airlines Iberia Plus JetBlue TrueBlue Quantas Frequent Flier Singapore Airlines KrisFlyer Virgin Atlantic Choice Hotels Hilton Honors Marriott Bonvoy FOURTH is the Capital One Venture card. It earns 2X points on everything and comes with a $100 credit that can be used toward TSA Pre-Check or Global Entry. There are no foreign transaction fees, and the card has an annual fee of $95. The value of 1 Capital One Venture Rewards point is about 1.4¢ each when redeemed via transfer partners, 1.0¢ each for travel-related statement credits, and 0.5¢ each for cash back. The current Capital One transfer partners are: Aeromexico Air Canada Alitalia Asia Miles Avianca LifeMiles Emirates Skywards Etihad Airways EVA Air Finnair JetBlue TrueBlue Quantas Frequent Flyer Singapore AKrisFlyer Accor Hotels (Accor Live Limitless) Wyndham Hotels (Wyndham Rewards) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #travelcreditcards #travelforfree 2020-08-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343530/metal-credit-card-drop-test-and-weight-4-types-of-metal-credit-cards https://gamma.videonest.org/343530_thumbnail_resized_v2.webp https://gamma.videonest.org/343530_video_v3.mp4 METAL CREDIT CARD DROP TEST and WEIGHT! (4 Types of Metal Credit Cards) Ready for the # 1 BEST most EPIC METAL CREDIT CARD DROP TEST on YouTube? Click "Show More" to see Ad Disclosure. You’re about to witness not only an amazing metal credit card drop test… BUT ALSO hear the metal credit card SOUND… AND metal credit card WEIGHT. For all *FOUR* types of metal credit cards so you can understand why some of them weigh more than others. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Here’s a list of all the metal credit cards used in the video ranked by weight from lightest to heaviest! 1. Wells Fargo Propel American Express Card: 10g 2. Citi AAdvantage Executive World Elite Mastercard: 12g 3. Chase Sapphire Preferred: 12g 4. Ritz-Carlton Rewards credit card (new): 12g 5. Chase Sapphire Reserve: 13g 6. Amex Gold Card (without contactless): 14g 7. Amex Gold Card (with contactless): 15g 8. US Bank Altitude Reserve: 17g 9. Amex Platinum Card (with contactless): 18g 10. Amex Platinum Card (without contactless): 20g 11: Ritz-Carlton Rewards credit card (old): 28g The majority of these metal credit cards are also some of the best travel credit cards. However, a few of them also function well as cash back credit cards. Here’s a quick rundown of their best uses: - Wells Fargo Propel: One of the best cash back credit cards with no annual fee. - Citi AAdvantage Executive: Best credit card for frequent fliers on American Airlines who want elite perks like priority boarding, priority check-in, priority security, and Admirals Club access (a nice way to get these benefits if you didn’t qualify for elite status). Annual fee = $450. - Chase Sapphire Preferred (CSP): One of the best travel credit cards for beginners. Part of what makes it so great is the ability to transfer your Ultimate Rewards points to other travel programs like Hyatt, Southwest Airlines, United Airlines, and more. Annual fee = $95. - Ritz-Carlton Rewards credit card: Fantastic card for Marriott loyalists with elite perks like Gold Elite status for room upgrades & late checkout, as well as club-level upgrades and an annual free night certificate (up to 50,000 points / Category 6 property) - Chase Sapphire Reserve (CSR): One of the best travel credit cards ever made. It’s the ‘big brother’ to the CSP, earns more points, offers a higher value for portal redemptions, the same transfer partners, and airport lounge access via Priority Pass. - Amex Gold Card: Awesome credit card for travel by transferring your points to international airlines and a few hotel rewards programs. What I love about this card is the ability to earn quickly in two major everyday categories (4X points at restaurants / dining and 4X points at U.S. supermarkets). The points should only be used for cash back with the Charles Schwab Platinum Card. - US Bank Altitude Reserve: If I could only have 1 premium credit card, this would probably be it! It earns 3X points on all mobile wallet transactions, so it doesn’t matter what type of merchant you’re shopping at…as long as they accept Apple Pay / Android Pay and the like, you’re earning 3X (equivalent to 3% cash back or 4.5% return when redeemed for travel). - Amex Platinum Card: Best travel credit card for lounge access (Centurion Lounge, Delta SkyClub, Priority Pass, Escape Lounge, and AirSpace lounge networks) and elite perks (Gold Elite Status with Marriott hotels & Hilton hotels, and a few rental car companies). If you’d like to learn about the rewards, perks, and benefits of these metal credit cards (and others), then be sure to subscribe to this channel for upcoming, in-depth credit card reviews! A lot of credit cards help you travel for free while others put a lot of cash back in your pocket. Either way, it’s important to find the ones that work best for you! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #metalcreditcard #amexplatinumcard 2020-08-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343531/how-to-make-a-budget-on-excel-for-beginners https://gamma.videonest.org/343531_thumbnail_resized_v2.webp https://gamma.videonest.org/343531_video_v3.mp4 How to Make a BUDGET ON EXCEL For Beginners This is the EASIEST step-by-step walkthrough of how to create a budget on Excel for beginners in 2020! Click "Show More" to see Ad Disclosure. If you’re looking for a way to make a budget to save money, THIS is a GREAT way to do it. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Using Microsoft Excel to make a budget and save money is awesome because it can do all the math for you. You can also use this framework to create a budget on Google Sheets or on Numbers. I’ll also include 3 money-saving tips (listed below). MONEY SAVING TIP #1: Make a R.E.A.L. Budget, which stands for Record Everything And Live it! Record your MONTHLY budget for everything you spend money on by category. Gas, groceries, restaurant / dining purchases, etc. Next, record your NON-MONTHLY budget, again by category. This might include auto registration, membership fees, eye / dental exams, etc. These will be the things that you pay once per quarter, twice per year, once per year, etc. When you have this list, then estimate what you spend in each category. Divide this number by 12 to see what the cost would be on a monthly basis. You'll set this money aside each month to cover these expenses when they arise. Lastly, record your real-world monthly expenses as you actually spend. On your spreadsheet, you have a column for your budgeted expenses, and then in the next column over you can record every expense as you make them right next to the first column. That way you can see if you’re on budget or off track. I recommend making a column to budget each month. You then LIVE IT … ideally daily. Everywhere you go spend money (retail stores, restaurants, entertainment venues, etc.), you live within that budget you’ve set. And since you record what you spent each day before you go to bed, you’ll get close to real-time feedback to guide you. MONEY SAVING TIP #2: Open 4 accounts. That will be 2 checking accounts and 2 savings accounts. Here’s how those break down: a) Checking Account 1: INCOME b) Checking Account 2: FUN! c) Savings Account 1: SET ASIDE d) Savings Account 2: PAY YOURSELF The 1st CHECKING account is where all your income goes. It’s basically your financial wallet to the rest of the world. The 2nd CHECKING account is the money you save for FUN, in other words, money you can spend freely without guilt. Reward yourself and your progress with these funds! The 1st SAVINGS account is where you send all the money you set aside for the non-monthly expenses. Since you’re doing this on a monthly budget basis, whenever those infrequent expenses come up, you’ll have an account with money in it to cover the costs. The 2nd SAVINGS account is for paying yourself. No matter what happens, every time you get a paycheck or income of some sort, set aside either a flat amount or a percentage you set. Send it to this savings account so you can watch it grow every single month (it will feel AMAZING)! Also, I recommend that when you open these new savings accounts, ensure that they are high-yield savings accounts. These earn much higher interest rates and usually have no fees and no minimum balance requirements. Of course, you can open as many checking and savings account as you like. If you want to save money for travel or a car, you can make accounts for those, too. The reason why having 1 checking account and 1 savings account is not ideal is because the balances will fluctuate so dramatically every single month. That makes it extremely difficult to gauge whether or not you’re making progress. MONEY SAVING TIP #3: Change your IDENTITY & your FOCUS Going forward, you are a saver. Repeat that to yourself over and over until it becomes your new talk track. Also give it some feel-good emotion: visualize your balance increasing. The better you feel about it and the more excited you get, the more fun you'll have doing it. Then, your focus is on how to increase your income. You’ve already made a R.E.A.L. Budget and are Living It (Daily), so it takes care of itself. Now you’re free to tune your mind into new ways to make more money (get a raise, start a side business, invest, etc.) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #exceltutorial #howtobudget #personalfinance 2020-08-14T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343532/the-best-marriott-credit-card-amex-marriott-bonvoy-business https://gamma.videonest.org/343532_thumbnail_resized_v2.webp https://gamma.videonest.org/343532_video_v3.mp4 The BEST Marriott CREDIT CARD! (Amex Marriott Bonvoy Business) Let’s talk about the BEST Marriott credit card that allows you to earn the MOST amount of points at home (so that way you can earn those free trips and save a TON of money)! Click "Show More" to see Ad Disclosure. (HINT: this is part of the credit card strategy to travel the world for free) :-) 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull There are a crazy amount of Marriott credit cards out there … something like 8 or 9 of them if you include the Ritz-Carlton Rewards credit card and all the Marriott cards that have been discontinued. The 4 that are available for new applications at the time of this video are: - Marriott Bonvoy Brilliant American Express Card ($450 annual fee) - Marriott Bonvoy Business Card ($125 annual fee) - Marriott Bonvoy Boundless credit card by Chase ($95 annual fee) - Marriott Bonvoy Bold credit card by Chase (no annual fee) However, out of ALL the Marriott credit cards, there’s one that is the BEST for earning tons of points at home, and that one is… The Marriott Bonvoy Business Card by American Express ($125 annual fee). It’s not a metal credit card, but here’s why it’s a ‘keeper card’ that I plan to hang onto for years to come… 1. SIGN UP BONUS: Currently you can earn 75,000 Marriott points up front by spending $3K in the first 3 months. This offer can also go higher, so be on the lookout. This bonus is an awesome way to get a ton of value up front in your first year. Those 75K points can get you 1 night at a Category 7 property or 3 nights at a Category 4 property under normal conditions. 2. MASSIVE POINT EARNING: *THIS* is the reason why this card shines so bright. Check it out… 6X points at Marriott properties 4X points at U.S. restaurants 4X points at U.S. gas stations 4X points on U.S. shipping 2X points on everything else It’s those middle 4X earning tiers in highly useful categories that allow you to earn BIG on the things you normally spending on (except the shipping, perhaps). 3. FREE NIGHT AWARD: Each year you keep the card and pay the annual fee, you’ll receive a free night certificate to redeem at Marriott hotels up to 35,000 points per night (i.e. a Category 5 property on the award chart). If you spend $60K on the card in a year, you will then earn a second free night award. 4. ELITE STATUS: Marriott Silver Elite Status comes with this card, and while it’s not the most rewarding tier, it still provides a few perks that you might value, like late checkout and an extra 10% points bonus on stays. That helps you earn free nights a little faster :-) Plus, you can qualify for Marriott Gold Elite Status by spending $35K on the card in a year. Check out the Marriott elite status benefits here: https://www.marriott.com/loyalty/member-benefits.mi 5. 15 ELITE NIGHT CREDITS: If you’re chasing elite status, these credits count as if you actually stayed 15 nights at Marriott hotels. Normally when a credit card gives you elite status outright, you don’t receive all the nights that come with that level…you just get the status. So if you want to earn an even higher tier, you’d have to literally start at 0 nights and work all the way up. So earning 15 nights to start is GREAT. 6. NO FOREIGN TRANSACTION FEES: Planning a trip abroad? Avoid those 2-3% foreign transaction fees by using this card for your purchases wherever Amex is accepted. 7. PREMIUM WIFI: Normally you’d have to pay for premium wifi (i.e. the “fast internet”) each night of your stay or get it waived by attaining Gold Elite Status or higher. However, if you’d rather not be bothered with that, simply having this card will give you the top tier internet speeds at no charge. There you have it - one of the best hotel credit cards on the market and THE BEST Marriott credit card overall! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #MarriottBonvoy #travelcreditcards 2020-08-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343533/best-savings-accounts-2020-high-yield-savings-accounts https://gamma.videonest.org/343533_thumbnail_resized_v2.webp https://gamma.videonest.org/343533_video_v3.mp4 BEST SAVINGS ACCOUNTS 2020 (High Yield Savings Accounts) Chances are you already have a standard savings account with one of the large banks like Wells Fargo, Bank of America, JP Morgan Chase, Citibank, etc. Click "Show More" to see Ad Disclosure. But here’s the thing… The interest rates on those savings accounts are AWFUL. Seriously…log in and look for the current interest rate they’re giving you. It’s likely 0.01%. That’s ONE one-hundredth of ONE percent! (Translation: basically nothing) 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull According to the FDIC, even the average national savings rate is currently at 0.06% as of August 2020, so all those savings accounts are worse than the AVERAGE. On the other hand, there are high yield savings accounts (HYSA) that are WAY BETTER. These accounts are currently earning about a full percent per year. (In full disclosure, most of these accounts were earning around 1.6% - 2.1% APY barely a year ago, but due to the economic climate we’re all going through at the moment, the rates for these accounts at nearly every bank have been decreasing every month. It’s temporary, though, and we’ll see a rebound to higher interest rates at some point in the future.) ------------------------------ Here’s my Top 5 List of High Yield Savings Accounts as of August 2020: FIRST PLACE: Affirm (1.3% APY) https://www.affirm.com/savings SECOND PLACE: Varo (1.21% APY) https://www.varomoney.com/savings-account/ THIRD PLACE (3-way tie): Ally, CIT*, American Express (1.00% APY) https://www.ally.com/bank/online-savings-account/ https://www.cit.com/cit-bank/bank/money-market-account/ https://www.americanexpress.com/personalsavings/customer.html *NOTE: The account from CIT Bank is a money market account, which is still a good option for saving money and keeping it liquid for easy access. FOURTH PLACE: Discover (0.95% APY) https://www.discover.com/online-banking/savings-account/ FIFTH PLACE (3-way tie): Capital One, Marcus by Goldman Sachs, Barclays (0.8% APY) https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/ https://www.marcus.com/us/en/savings https://www.banking.barclaysus.com/online-savings.html ------------------------------ All of these accounts offer a GREAT way to save money with a multiplier on top. Of course, the BEST way to increase your net worth is to wrap your money in assets that appreciate and/or spin off cashflow each month. However, for the portion of your funds that you keep on hand, a high-yield savings account is a fantastic option compared to the ‘normal’ savings accounts most of us are used to. Earning $1.00…$5.00…$20.00…or MORE per month instead of $0.08 is A LOT MORE REWARDING! Start saving more money today by opening a high yield savings account, connecting your current checking account or savings account to it, and transferring your funds (all of which will be FDIC insured). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #savemoney #savingsaccount #bestbanks 2020-08-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343534/watch-me-apply-amex-business-credit-card-amex-blue-business-cash-card https://gamma.videonest.org/343534_thumbnail_resized_v2.webp https://gamma.videonest.org/343534_video_v3.mp4 *WATCH ME APPLY* Amex Business Credit Card! (Amex Blue Business Cash Card) Watch me submit an Amex Business Card application for the Blue Business Cash Card! Click "Show More" to see Ad Disclosure. This credit card has been on my wish list for a number of months. I was just waiting for the right cash back signup bonus at the right time…and that time is NOW! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull REASONS TO GET IT... 1. GREAT FOR NEW BUSINESS: This is one of the best business credit cards for new business because it’s easy to use, has great rewards, has no annual fee, comes with a strong signup bonus, and offers no interest for the first year. It’s also one of the easiest business credit cards to get approved for. 2. SIGNUP BONUS: The American Express Blue Business Cash Card has a welcome offer that, when at its high point, is often $500 cash in the form of a statement credit. It’s divided into 2 parts: Get a $250 statement credit after spending $5K in the first 6 months, then earn an additional $250 statement credit after spending an additional $10K in the first year. So all in, you can earn $500 in statement credits after spending $15K in Year 1. 3. 2% CASH BACK: You’ll earn an ongoing 2% cash back on all purchases regardless of the spend category, up to $50K of total spend per year. If you only spend the $15K required for the signup bonus, that’s an additional $300 cash. 4. $800 CASH: The welcome offer of $500 PLUS the $300 earned from 2% cash back on $15K of spend is a total of $800 cash back in the first year. If you only spend $15K, then that’s equivalent to a 5.3% return on everything…and THAT’S AWESOME. 5. NO ANNUAL FEE: This credit card has no annual fee, so all the cash back you earn is true profit. This also makes it a great ‘keeper card’ long term. 6. BUSINESS CREDIT CARD: Most business credit cards do not report to your personal credit report (known exceptions are Capital One and Discover). Here’s why this is so great when it comes to increasing your credit score: - No New Account Reported: One of the important factors in your credit score is Length of Credit History (also called Average Age of Accounts, or AAoA). The longer your credit history – on individual credit cards and the collective average – the better your score. So when you apply and get approved for a new credit card, that lowers your AAoA. Usually your credit score will drop a few points temporarily and rebound a bit later, but nonetheless, it’s nice to avoid these drops when possible. - No Utilization Reported: Another important factor in boosting your credit score is called credit utilization, which represents how much of your credit you’re using. The lower your utilization, the better. So since your balance / utilization won’t be reported to the credit bureaus (and therefor won't appear on your credit report), it doesn’t matter if your balance is high some months…your credit score won’t be affected. - Chase 5/24 Friendly: This is a secondary benefit of not having new accounts reported. JP Morgan Chase has a LOT of amazing credit cards, but for those of us who like to get new credit cards often, those Chase credit cards can be hard to get. That’s because of the ‘5/24 Rule,’ meaning Chase will not approve you for a new credit card if you’ve opened 5 or more accounts with any bank within the past 24 months. A GREAT WORKAROUND to keep getting new credit card bonuses while AVOIDING rapid increases to your 5/24 status is to get business credit cards. This allows you to get new bonuses while letting inquiries fall off your credit report and allowing your current credit cards to age (both boosting your credit score in the process). Some of those amazing Chase cards subject to 5/24 are: Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Freedom, Chase Freedom Unlimited, Southwest Rapid Rewards Plus / Priority / Premier, Marriott Bonvoy Boundless / Bold, World of Hyatt Credit Card, IHG Rewards Club Premier, etc. 7. PROMO APR: The Amex Blue Business Cash credit card often comes with 0 percent interest for the first 12 months. If you have some big business expenses coming up while cash flow is temporarily down, then this is a great way to float that balance for a few months. With all that said, it’s time to submit MY new credit card application! Watch me do it! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress 2020-08-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343535/new-amex-gold-card-unboxing-drop-test-and-review-metal-credit-cards-2020 https://gamma.videonest.org/343535_thumbnail_resized_v2.webp https://gamma.videonest.org/343535_video_v3.mp4 *NEW* AMEX GOLD CARD Unboxing, DROP TEST and Review! (Metal Credit Cards 2020) Ready to supercharge your credit card rewards points for food? The American Express Gold Card might be one of the BEST CREDIT CARDS FOR DINING! Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull FIRST, the Amex Gold Card comes with a signup bonus of 35,000 – 50,000 Membership Rewards points, depending on the current promotion (sometimes it can be a little higher, too). This gives you a TON of rewards points up front so you can redeem for that special travel trip sooner than later. SECOND, and the reason why the Amex Gold Card is SO GREAT FOR FOODIES, is the fact that the bonus categories are very strong for food-related purchases. You’ll earn 4X points at restaurants and 4X points on U.S. supermarkets. You’ll also receive an annual $120 dining credit to use at any of these locations: Grubhub, Seamless, Shake Shack, The Cheesecake Factory, Ruth’s Chris Steakhouse, and Boxed. This list may change over time, too. THIRD, the Amex Gold does a good job for travel, too. You’ll earn 3X points on flights booked directly with the airline and receive a $100 Airline Fee Credit each year. This credit can be used for flight incidentals, including: - Checked baggage fees (including overweight / oversize baggage) - Itinerary change fees - Phone reservation fees - Pet flight fees - Seat assignment fees - In-flight amenity fees (including beverages, food, pillow / blankets, headphones) - In-flight entertainment fees (excluding WiFi since it’s not billed by the airline) - Airport lounge access (including day passes and annual memberships) NOTE: you’ll have to select an airline with which to use this $100 credit. You can change the airline once per year in January, and the current list of available options are: United Airlines, Hawaiian Airlines, Frontier Airlines, Spirit Airlines, American Airlines & US Airways, JetBlue Airways, Southwest Airlines & AirTran Airways, Delta Air Lines, and Alaska Airlines FOURTH, you’ll receive a complimentary ShopRunner membership that normally costs $79 per year. ShopRunner gives you an Amazon Prime-like experience with 100+ retailers that may not sell on Amazon. You will get free 2-day shipping and FREE RETURNS! FIFTH, like all other Amex credit cards, you will see a list of Amex Offers when you log into your account. Think of these like additional discounts that provide extra points, statement credits, and cash back when you shop at select retailers / merchants. Some of the recent ones I’ve seen are with: Marriott hotels, Kimpton Hotels, Ray-Ban, ExxonMobil, InterContinental Hotels, Gelson’s, Hotels.com, and MANY MORE! SIXTH, it’s a METAL CREDIT CARD! (Not a benefit, but definitely a cool factor) ;-) And SEVENTH, the Amex Gold Card becomes a VERY POWERFUL cash back credit card when you pair it with the American Express Platinum Card for Schwab. The Schwab Platinum Card allow the Gold Card to earn 5% cash back at restaurants and U.S. supermarkets, 3.75% cash back on flights booked directly with the airline, and 1.25% cash back everywhere else. To learn more about how the Schwab Platinum Card works, click the link to watch my tutorial! https://youtu.be/M3LlBtdWDZ8 Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #amexgold 2020-08-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343536/amex-platinum-charles-schwab-best-cash-back-credit-cards https://gamma.videonest.org/343536_thumbnail_resized_v2.webp https://gamma.videonest.org/343536_video_v3.mp4 AMEX PLATINUM Charles Schwab! (BEST CASH BACK CREDIT CARDS) The American Express Platinum Card for Schwab has a hidden super power. Click "Show More" to see Ad Disclosure. On the surface, it’s just like every other Amex Platinum Card: it comes with rich credit card points for travel, elite status with hotels (Marriott and Hilton) and rental cars (like Enterprise Rent A Car), airport lounge access (including the Centurion Lounge, Priority Pass, Delta SkyClub, Escape Lounge, and AirSpace Lounge networks), annual $200 credits for both Uber / Uber Eats and airline incidental charges, an annual $100 credit for Saks Fifth Avenue, and A LOT MORE! Plus, it’s a metal credit card ;-) 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull However, when it comes to cash back credit cards, Amex’s own cards that earn Membership Rewards Points (“MR points”) really do a poor job. Most credit card points can be used for cash back in some way. The majority of the major card issuers allow you to do so at $0.01 per point (e.g. 10,000 points = $100). This is the ‘benchmark standard’ that many people use to compare the value of points when discussing cash back. You can realize the $0.01 per point value with any of the following rewards programs / cards: - JP Morgan Chase’s Ultimate Rewards points, including: Chase Sapphire, Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Freedom, and Chase Freedom Unlimited - Citi’s ThankYou points, including: Citi Preferred card, Citi Rewards Plus card, Citi Premier card, and Citi Prestige card. (Note, you’ll need to have the Citi Prestige card to unlock the 1¢ per point cash out rate) - U.S. Bank’s Altitude points, including: US Bank Altitude Go card, US Bank Altitude Connect card (releasing August 2020), and US Bank Altitude Reserve card - Wells Fargo’s Go Far Rewards points, including: Wells Fargo Propel American Express Card, Wells Fargo Visa Signature Card, and Wells Fargo Rewards Card - BBVA’s rewards points, including: BBVA ClearPoints Credit Card and BBVA Select Credit Card But with American Express, the Membership Rewards points can only be used for cash back (in the form of a statement credit) at a rate of $0.006 per point (e.g. 10,000 points = $60). It’s AWFUL. Amex Platinum Card for Schwab CHANGES ALL THAT! With the Schwab version, your Amex MR points will be worth $0.0125 (e.g. 10,000 points = $125)!! The best part is that when you have the Amex Schwab Platinum Card, it gives the 1.25x multiplier to ALL points earned across ALL cards that earn MR points. So if you also have the Amex Gold Card, Amex Green Card, Amex Blue Business Plus Card, or any other Amex credit card that earns Membership Rewards points…ALL points earned across those cards will be pooled together in 1 account and become worth 1.25¢ each! In fact, if you have all 4 of those Amex credit cards just mentioned, this would be your effective cash back earning rate (combining the best categories from each card): 6.25% on FLIGHTS 6.25% on HOTELS (Prepaid via AmexTravel.com) 5% on RESTAURANTS 5% on SUPERMARKETS (U.S.) 3.75% on OTHER TRAVEL 3.75% on TRANSIT 2.5% on EVERYTHING ELSE That’s an average cash back rate of 4.64%! Watch the video for all the details. If you’d like to run this setup, here are the steps to follow: 1. Open a Schwab One Individual Brokerage Account https://www.schwab.com/brokerage 2. Connect your checking account or savings account to your new Schwab brokerage account via the online profile. 3. Apply for the American Express Platinum Card for Schwab https://www.schwab.com/public/schwab/nn/m/platinum_card.html 4. When you log into Amex.com to manage your Schwab Platinum Card, you’ll see a new feature called ‘Invest With Rewards.’ Click it to go through the process to convert your Membership Rewards points to cash. The cash will appear in your Schwab brokerage account. 5. Transfer your cash from the Schwab brokerage account to your external checking or savings account 6. Apply for any other Amex credit cards that earn Membership Rewards points. Whether they’re personal credit cards or business credit cards, they’ll all be added to the same account where points will be pooled together as 1 balance. You can then cash out your points whenever you like (minimum 1,000 points at a time) at an AMAZING RATE of 1.25¢ each! Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #cashback 2020-08-05T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343537/credit-cards-and-covid-19-shocking-news-about-how-we-use-credit-cards-vs-debit-cards-in-2020 https://gamma.videonest.org/343537_thumbnail_resized_v2.webp https://gamma.videonest.org/343537_video_v3.mp4 Credit Cards and COVID-19 (SHOCKING NEWS About How We Use Credit Cards vs. Debit Cards In 2020!) The Wall Street Journal had a VERY INTERESTING article today titled ‘Debt on Credit Cards Falls Amid Pandemic.’ Click "Show More" to see Ad Disclosure. My first thought was, “WHAT?! No way…I have to read this!” Here’s what I learned... Despite the astronomical unemployment rates we’re seeing every day in the news, many people are NOT getting deeper into credit card debt. In fact, we’re seeing the exact opposite! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Peter Maynard, SVP at Equifax (the credit-reporting firm that tracks consumer borrowing and issues your credit report), said that consumers are “continuing to pay down balances” during this time, and they’re “using the injection of government stimulus…to put themselves in a better position.” Chief Executive Roger Hochschild at Discover Financial Services seems to agree, saying, “The cardholder base, given the economic level of distress, has held up remarkably well.” In the U.S. at large, the total amount of credit card debt DECREASED by 11% (approximately $100 billion) between February and the end of June. Moreover, credit card debt KEPT FALLING even while the state lockdowns were eased and retail spending started to rise again. When we look at the data reported by credit card companies, we see that the coronavirus pandemic has actually shifted consumer spending habits in a big way. COVID-19 sparked a movement TOWARD DEBIT CARDS and AWAY FROM CREDIT CARDS. As wild as these trends and data appear, here are the likely reasons for it all: 1. Many people have been laid off, furloughed, or had reductions in pay. Additionally, many businesses have been shut down temporarily or permanently. With less money coming in and fewer places at which to spend, overall spending across many financial products has likely decreased (which is why we’re also seeing record-breaking savings rates, too). 2. With multiple rounds of stimulus payments on the business and personal side, there has been an influx in cash. It seems that a decent percentage of people are using these funds to pay down credit card debt and improve their financial situations as best they can. 3. Stimulus payments have been issued via direct deposit, physical checks, and debit cards. These funds end up in people’s checking accounts, and the simplest way to access those funds is via debit card. So it’s only natural that many people are now using debit cards more than credit cards because that’s where their money is. Overall, an increasing reliance upon cash is a GOOD THING for many people. However, for those of you who ARE financially responsible (i.e. you use credit cards as if they were debit cards), it still makes more sense to use credit cards and simply use your stimulus payments to pay off the balance. That way you can earn cash back (or even credit card points and miles for future travel) rather than nothing at all. Ultimately, you should use the payment method that puts you in the best position possible during this health pandemic. Regardless of your payment preference, it’s still very interesting to see reports showing how consumers are using credit cards vs. debit cards in their everyday lives. In so many ways we are operating without precedent, so hopefully we take this time to learn how to handle health crises and their corresponding economic and financial impact. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #covid19 #creditcarddebt 2020-08-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343538/5-best-credit-cards-for-beginners-2020-cash-back-credit-cards https://gamma.videonest.org/343538_thumbnail_resized_v2.webp https://gamma.videonest.org/343538_video_v3.mp4 5 BEST CREDIT CARDS For Beginners 2020 (Cash Back Credit Cards) Here are the 5 BEST credit cards for beginners in 2020. I’ll be focusing exclusively on the best cash back credit cards that have no annual fees and GREAT rewards. Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull BEFORE getting any of these cards, if you’re truly starting out from scratch with no credit history and pretty much a blank credit report, I recommend getting a secured credit card. These allow you to basically pay for a credit limit, meaning you put down a deposit and receive the same credit limit in return. So if you put down a $500 deposit, you’ll receive a $500 credit limit. This allows you to get approved for a card without any prior history while also mitigating the risk of the bank (because if you default on a payment, they’ll use your deposit to cover it). After about 6 – 12 months of responsible use of a secured credit card, you may be automatically upgraded to a unsecured credit card (i.e. a ‘regular’ credit card). If that happens, then your deposit will be returned to you, and you will have benefited from having built up your credit report. The best secured credit card I recommend is the Discover it Secured Credit Card. Unlike most of the competitors, it allows you to earn rewards in the form of cash back with NO ANNUAL FEE! You’ll earn 2% cash back on purchases at gas stations and restaurants, and 1% back on everything else. Discover will also MATCH all the cash back you earned in the first year (so if you earned $300, then you’ll actually end up with $600)! Pretty amazing for a first-time / TRUE beginner credit card! NOW…Moving on to the Top 5 credit cards for beginners! FIRST is the Discover it Cash Back Credit Card. It gives you 5% cash back in bonus categories that rotate each quarter up to $1,500 spend per quarter (i.e. $75 of earned cash back). You’ll then earn 1% on all other categories. It comes with 0% APR (currently for 14 months) and a cash back MATCH. That means Discover will DOUBLE all cash back you earned in your first year. As a fun perk, you can also choose the card design that suits your personality! There is no annual fee for this card. SECOND is the Chase Freedom credit card. The typical sign up bonus is around $150 - $200, but right now there is a HUGE special promotional offer! Not only do you get $200 cash, but you ALSO can earn 5% cash back at grocery stores for the first year, up to $12,000 spend. If you max that out, it’s essentially $200 + $600 = $800 cash back in Year 1 … AMAZING! This also gives you 5% cash back in rotating categories each quarter and 1% on everything else. The quarterly limit is also $1,500 spend or $75 cash back. Cash is earned in the form of points that are worth $0.01 each, so 20,000 points is the same as $200 cash back. It comes with a 0% APR (currently for 15 months) and no annual fee. THIRD is the Citi Double Cash Card, which is FANTASTIC FOR SIMPLICITY. It earns a flat 2% cash back on everything…no categories, no rotations, no points to convert. You’ll earn 1% when you make a purchase, and you’ll earn the other 1% after you pay off the balance. It also comes with a 0% APR (currently for 18 months) and has no annual fee. FOURTH is the Amazon Prime Rewards Visa Signature Card. You’ll need an Amazon Prime account before you apply. It’ll reward you with 5% cash back on Amazon purchases and at Whole Foods Market. You’ll also earn 2% cash back at restaurants, gas stations and drugstores…and 1% on everything else. Cash is issued in the form of rewards points that are worth $0.01 each, so 20,000 points = $200 cash back. This card has no annual fee. FIFTH is the U.S. Bank Altitude Go Visa Signature Card – my new personal favorite and (in my opinion) the BEST NEW CREDIT CARD for beginners in 2020! It comes with an initial sign up bonus of $200 and earns at the following rates: - 4% on takeout, food delivery and dining - 2% at grocery stores and grocery delivery - 2% on streaming services - 2% at gas stations - 1% on everything else It also gives you a 0% APR (currently for 12 months), PLUS a $15 credit for annual streaming services purchases (like Netflix, Spotify, etc.) Like all the other credit cards mentioned, this one also has no annual fee. Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #cashbackcreditcards #bestcreditcards 2020-07-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343539/how-to-increase-your-credit-score-fast-800-fico-possible https://gamma.videonest.org/343539_thumbnail_resized_v2.webp https://gamma.videonest.org/343539_video_v3.mp4 How To Increase Your CREDIT SCORE FAST! (800+ FICO Possible) This video is your ALL-IN-ONE FREE TUTORIAL on how to increase your credit score FAST. Click "Show More" to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull FIRST, you'll learn about how credit scores typically range from 300 to 850 and how the tier you fall into is WAY more important than the exact number. SECOND, you’ll understand the 5 most important factors that make up your credit score. They can be remembered by the word PHURLEMINA. Here’s a breakdown: - Payment History (PH): This includes how many on-time payments vs. late payments you’ve made, as well as how long you’ve been doing so. A ‘payment’ counts as the minimum payment or higher. Submit that before the due date and you’ll take care of the MOST IMPORTANT PART of your FICO score. Payment history accounts for 35% of your total credit score. - Utilization Ratio (UR): This represents how much of your credit you’re currently using. It’s calculated by adding up all of your balances and dividing it by the total amount of credit you have. So if you have one card with a $10,000 credit limit and you have a $5,000 balance, then your utilization is 50%. Your utilization on individual cards is taken into account, as well as your total utilization across all accounts. Ideally, keep individual AND total utilizations at 30% or less; ideally 10% or less to be a total superstar. NOTE: Maxing out a single card can TANK your score; avoid that! Credit card utilization accounts for 30% of your total credit score. - Length of Credit History (LE): This is also called Average Age of Accounts (AAoA) and includes your oldest credit card, your newest credit card and the average age of all your accounts. The longer your credit history, the better your score. To improve in this area, make sure you keep your current credit cards open long term and don’t apply for new cards too often. Length of Credit History accounts for 15% of your total credit score. - Mix of Accounts (MI): Credit card companies like to see that you’re responsible with different types of credit – and even multiple types of the same product. Credit mix includes the different types of financial products you have on your credit report, and may include: credit cards, auto loans, mortgage, student loans, personal loans, etc. Of course, only get what you actually need to reach your financial goals. I built my credit score to 790+ using credit cards alone. Your credit mix accounts for 10% of your score. - New Accounts (NA): This is a count of new credit lines opened. In general, avoid opening multiple credit cards in short periods of time. To the credit bureaus, banks, and other financial companies, that kind of behavior looks like you could be at a higher risk of default, which puts THEM in a bad position. If you do open a bunch of cards, consider taking a break to let your credit report “cool down” afterward (i.e. let some of those inquiries fall off and your new accounts start to age). New Accounts makes up 10% of your credit score. THIRD, I’ll take you into MY PERSONAL Credit Karma account to SHOW YOU MY SCORE and what I can do to improve! ----------------- *Note: There are a few other small factors affecting your credit score, like Inquiries and Derogatory Marks. Inquiries are simply hard pulls of your credit report (meaning a company or person has pulled your credit report for viewing, as is the case when you apply for a new credit card). Inquiries lower your credit score temporarily, usually by a few points. They remain on your record for about 2 years, but stop affecting your score before that. I usually see my credit score rebound after 1-3 months, and it often ends up HIGHER than it was before if the hard pull ended up with a new account being opened (think more credit = lower utilization PLUS a greater mix of accounts PLUS a new record of on-time payment history coming up!). Derogatory marks are NEVER good, and they include bankruptcies, collections, tax liens, civil judgments, etc. Avoid these at all costs (and yes, they'll fall off your report eventually, typically about 7 years). Lastly, going for a perfect 850 credit score is not necessary. Once you get to a FICO score of around 780+ you can generally get the best interest rates on anything :-) Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditscore #creditrepair 2020-07-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343540/amex-platinum-card-2020-5-reasons-to-get-this-metal-credit-card https://gamma.videonest.org/343540_thumbnail_resized_v2.webp https://gamma.videonest.org/343540_video_v3.mp4 AMEX PLATINUM CARD 2020 (5 Reasons To Get This Metal Credit Card) The American Express Platinum Card is one of the BEST credit cards out there if you love to travel (like a VIP)! Click "Show More" to see Ad Disclosure. Yes, it’s a ‘luxury metal credit card’ costing $550 per year, but for the right person, paying that annual fee can be worth it. 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Here are the Top 5 Reasons why you may want to consider having it in your wallet: 1. LARGE SIGNUP BONUS: The Amex Platinum Card normally has a signup bonus of 60,000 Membership Rewards points, though depending on the time of year, you may also see offers for 75,000 … 100,000 … or even 125,000 points. The spend requirement can vary, but it is normally $5,000 of spend within the first 3 months. This is a great way to get a bunch of points up front to redeem for travel, the best way being to transfer them into partner airline programs to book flights. Unless you have the Charles Schwab version, cash back is NOT a good redemption option. 2. HIGH EARNING ON TRAVEL: You’ll earn 5X Membership Rewards points on flights booked directly on the card and on prepaid hotels booked through the American Express Travel portal. Other than these 2 categories, this card is not ideal for anything else (at least not in July 2020 as I post this!) 3. PERKS: There are a TON of great travel perks that come with this card: Elite status at Marriott and Hilton (plus Enterprise Rent-A-Car and others), the Fine Hotels & Resorts program, concierge service, and the most comprehensive airport lounge access program I’ve ever seen, including: the Centurion Lounge, Priority Pass, Delta SkyClub, Escape Lounge, and Airspace Lounge networks. If you want a place to relax or get work done with wifi and food in the airport, then using a lounge can be a big help. Marriott Gold Elite benefits: https://www.marriott.com/loyalty/member-benefits/gold.mi Hilton Gold Elite benefits: https://www.hilton.com/en/hilton-honors/member-benefits/ 4. CREDITS: The Amex Platinum Card will give you the following credits to use every year: - $200 Uber Credit to be used on rides or on food via Uber Eats. These are issued as $15 monthly credits and $35 in December. - $200 Airline Fee Credit to use used on incidental charges like checked baggage fees, itinerary change fees, in-flight amenity fees (like beverages, food, etc. – but not WiFi), airport lounge day passes and annual memberships, etc. - $100 Saks Fifth Avenue Credit to be used at a Saks brick & mortar department store or online at saksfifthavenue.com. This is allocated as two $50 credits. Use the first one between January 01 and June 30 and the second one between July 01 and December 31. 5. IT’S METAL!! Okay…this is not an actual “benefit,” but hey, if you’re paying a $550 annual fee for a credit card, then at least it’s made out of a nice material! 6. (BONUS): American Express also added a couple temporary benefits through December 31, 2020 (unless extended). You’ll receive a $20 per month credit for wireless services (i.e. your phone bill) and an additional $20 per month credit for streaming services. (Side note: the Platinum Card is actually a charge card, which means there’s no revolving line of credit and your balance is always due in full at the end of each billing cycle. Lately, Amex has been marketing their ‘Pay Over Time’ feature where you CAN carry a balance for certain charges at a given interest rate – never a good idea in general – but at least that allows it to function more like a credit card if needed). Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amexplatinum #creditcards #metalcreditcard 2020-07-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343541/best-metal-credit-cards-2020 https://gamma.videonest.org/343541_thumbnail_resized_v2.webp https://gamma.videonest.org/343541_video_v3.mp4 BEST METAL CREDIT CARDS 2020 Here’s a breakdown of the best metal credit cards in 2020. Click "Show More" to see Ad Disclosure. ** PLUS DROP TEST! ** Yes, there are MANY more metal credit cards out there, but they’re either (a) not that rewarding or (b) not worth the cost (or I simply don’t have them at the moment) :D Want more credit card videos and reviews? They're coming! 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull This video is simply meant to be fun and entertaining. Instead of an in-depth review, the goal is to make you aware of these great cards and understand what they’re main best use is (and also *hear* them in action) :P The cards featured in the video are as follows: - Chase Marriott Premier Plus card: Great for Marriott loyalists - Chase Marriott Premier Plus Business card: Great for Marriott loyalists - J.P. Morgan Chase Ritz-Carlton Rewards card: Great for Marriott loyalists who prefer Ritz-Carlton and St. Regis properties - Marriott Bonvoy Briliant American Express card: Great for Marriott loyalists who like elevated perks and/or prefer Ritz-Carlton and St. Regis properties - Chase Sapphire Reserve card: Great for those who like to travel and eat out with elevated perks - Chase Sapphire Preferred card: Great for those who like to travel and eat out - Amex Platinum Card: Great for those who love to travel with high-end perks - Amex Business Platinum Card: Great for those who love to travel with high-end perks - Capital One Savor card: Great for those who want cash back and spend a lot of money on food (both at restaurants and supermarkets) and entertainment (concerts, sporting events, movies, etc.) - Amex Gold Card: Great for those who spend a lot of money on food (both at restaurants and supermarkets) but who prefer to redeem their points / rewards on travel - Citi AAdvantage Executive World Elite Mastercard: Ideal for frequent American Airlines flyers who want VIP-style perks - U.S. Bank Altitude Reserve card: Amazing card for heavy mobile-wallet users who like to redeem rewards points for travel primarily and for cash back secondarily - Capital One Venture card: Solid card for those who enjoy travel but value simplicity in their points and miles - Wells Fargo Propel American Express Card: Excellent all around general card with no annual fee geared for those who value cash back. It has bonus categories in streaming, gas, dining, travel, and transit - Amazon Prime Rewards Visa Signature Card: A very good choice for heavy spenders on Amazon and Whole Foods Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #metalcreditcard #amexplatinumcard 2020-07-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/343542/pay-off-credit-card-debt-fast-by-using-credit-cards https://gamma.videonest.org/343542_thumbnail_resized_v2.webp https://gamma.videonest.org/343542_video_v3.mp4 PAY OFF CREDIT CARD DEBT FAST (By Using Credit Cards!) Credit cards are almost always associated with debt, financial distress, and a lot of opinions and emotions. Click "Show More" to see Ad Disclosure. Should you use credit cards…ever? Or should you always stick with cash and debit cards for all your purchases? 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull Here’s the truth: Credit cards will not get you into debt. Only you can do that to yourself. In fact, credit cards can be one of the smartest financial tools when placed in the right hands. And you can actually USE CREDIT CARDS TO PAY OFF CREDIT CARD DEBT (if you do it the right way...) If you’re struggling with money right now…perhaps because your income was reduced, or you were furloughed or laid off…or you were already living paycheck to paycheck…here’s some simple financial advice that can go a LONG way to help you during these difficult financial times: 1. Get your current interest rate (APR) on your current credit card reduced. Look out for email offers to enroll for free, or call the number on the back of your card and ask for a lower rate. Ideally, you should never carry a balance due to high interest rates, but if you NEED to carry a balance for a TEMPORARY period of time, then paying as little interest as possible is a smart move. 2. Get a NEW credit card with a promo APR rate. Many cards offer 0% interest for 12+ months. It might be for new purchases or balance transfers. No interest on new purchases means you can rack up a balance and pay no interest during the promotional period. No interest on balance transfers means you can transfer an existing balance to your new card and carry it interest free for a period of time. Balance transfer cards often have a small upfront fee (1-5%), but that’s WAY better than paying 16%, 18%, or more…which is often the standard APR on most credit cards. 3. Always BE CAREFUL to read the terms: many credit cards will charge interest on ALL prior months if the balance isn’t paid in full before the end of the promo interest rate. As a smart money habit, I recommend: (a) using 0% APR offers only when you need them, and (b) paying off the balance in full a month prior to the expiration date. 4. Remember to never spend more money than you’re able to pay off in normal times. Right now given the difficult economy and financial chaos, you may have normal / everyday purchases that you don’t have the cash for. Given that this situation is temporary, have the self-control to only buy the absolute essentials right now, and put them on a 0% (or low interest) card to get you through. 5. ALWAYS PAY THE MINIMUM PAYMENT EACH MONTH. Even if you need to float some money for a few months, ensure you make the minimum payment to maintain positive payment history on your credit report. There are a lot of factors that make up your credit score, and payment history is one of the big ones. Here are a few credit cards offering 0% APR on new purchases and/or balance transfers right now in July 2020: a) Wells Fargo Propel American Express Card: https://www.wellsfargo.com/credit-cards/propel/ b) Citi Double Cash Card: https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=citi-double-cash-credit-card c) Discover it Cash Back Credit Card: https://www.discover.com/credit-cards/compare/it-card-strategist.html?adobe_mc_sdid=SDID%3D3977DF7E5B50D907-6EA688B65799E23A%7CMCORGID%3D0D6C4673527839230A490D45%40AdobeOrg%7CTS%3D1595116552&adobe_mc_ref=https%3A%2F%2Fwww.google.com%2F d) Chase Freedom Unlimited credit card: https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited?iCELL=61FY e) U.S. Bank Altitude Go Visa Signature Card: https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html f) Bank of America Cash Rewards Credit Card: https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/ Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcarddebt #payoffdebt 2020-07-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/345150/changes-being-made-the-credit-card-forum-2025 https://gamma.videonest.org/345150_thumbnail_resized_v2.webp https://gamma.videonest.org/345150_video_v3.mp4 [CHANGES BEING MADE] The Credit Card Forum 2025 The Credit Card Forum has LAUNCHED! Learn more here: https://thecreditcardforum.com. Learn how you can MASTER the credit card game and EARN points and miles in an all new way! The Credit Card Forum is an online discussion forum (i.e. chat group or community) where you can: ASK questions, GET answers, LEARN the best credit card strategies, SHARE what you know, and EARN points and miles! 🗣️Sign Up Here! https://thecreditcardforum.com OFFERS & SAVINGS LINKS 🗣️The Credit Card Forum: https://thecreditcardforum.com 🚨Credit Card Alerts: https://markscreditcards.com/offeralerts 💳 Credit Card Offers: https://markscreditcards.com/offers 🛍️ Rakuten - Earn cash back or Amex Points: https://markscreditcards.com/rakuten 📱 MaxRewards - Manage your cards | Promo Code = markr | https://markscreditcards.com/maxrewards 🏦 SoFi Checking & Savings (Get up to $325): https://markscreditcards.com/sofibanking 📊 Webull - Get Free Stocks: https://markscreditcards.com/webull Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #credit #creditcard #creditcards 2025-03-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/348591/big-changes-costco-anywhere-visa-full-guide https://gamma.videonest.org/348591_thumbnail_resized_v2.webp https://gamma.videonest.org/348591_video_v3.mp4 BIG CHANGES: Costco Anywhere Visa (Full Guide) The Costco Anywhere Visa got a BIG UPDATE! Learn what this change could mean for you and if you should apply for the card (or continue to keep it). Click “Show More” to see Ad Disclosure, links, and additional information below. The Costco credit card has been issued by Citi since June 20, 2016. Since then, it’s undergone several changes, along with changes to Costco itself. Fast forward to January 19, 2025, the Costco Anywhere Visa now earns 5% cash back on Costco Gas, as well as 4% cash back at other gas stations and EV charging stations, on up to $7,000 of combined spend across these 2 categories per calendar year. After that, you’ll continue earning 1% cash back until it resets in the following year. Additionally, while this is a credit card with no annual fee, you do need to pay the Costco Membership fee, which has increased to $65/yr. for the Costco Gold Star Membership and $130/yr. for the Costco Executive Membership. ⭐️ View Costco Membership Levels & Fees Here: https://www.costco.com/join-costco.html Do note that the Costco Anywhere Visa no longer offers extended warranty protection; that was removed on January 22, 2023. Finally, the card now has a new black design (previously grey). 🔗 CNBC - Costco hikes membership fee for the first time since 2017: https://www.cnbc.com/2024/07/10/costco-hikes-membership-fee-for-the-first-time-since-2017.html 🔗 The Points Guy - Citi Costco Visa cardholders: You're losing extended warranty protection in January 2023: https://thepointsguy.com/news/citi-costco-credit-card-extended-warranty/ 🔗 NerdWallet – Costco Credit Card Hikes Rewards for Gas at Its Pumps https://www.nerdwallet.com/article/credit-cards/costco-credit-card-hikes-rewards-for-gas-at-its-pumps TOP CREDIT CARD OFFERS & LINKS 🚨 Get Credit Card ALERTS: https://markscreditcards.com/offeralerts 💳 View Credit Card OFFERS: https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🛍️ Rakuten - Earn Cash Back or Amex Points: https://markscreditcards.com/rakuten 🏦 SoFi Checking & Savings (Get up to $325): https://markscreditcards.com/sofibanking HIGH YIELD SAVINGS + CHECKING ACCOUNTS 🏦 SoFi HYSA + Checking: https://markscreditcards.com/sofibanking 🏦 Ally HYSA: https://markscreditcards.com/allysavings 🏦 CIT Bank HYSA: https://markscreditcards.com/citbanksavings 🏦 Discover HYSA: https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Barclays HYSA: https://markscreditcards.com/barclayssavings 🏦 Amex HYSA: https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings-account/ 🏦 Capital One HYSA: https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/ 🏦 Marcus by Goldman Sachs HYSA: https://www.marcus.com/us/en/savings/high-yield-savings INVESTING LINKS 📊 Webull - Get Free Stocks: https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ CHAPTERS 00:00 - Intro 00:20 - New Design 1:37 - Welcome Offer 1:54 - Costco Membership Fee Increase 2:38 - Earn Cash Back 4:49 - Redeem Cash Back 10:36 - Main Benefits 11:23 - Insurance and Protections 12:28 - The Big Question Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #costco #creditcard #creditcards 2025-03-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/359718/100percent-free-the-credit-card-forum-2025-is-here-join-today https://gamma.videonest.org/359718_thumbnail_resized_v2.webp https://gamma.videonest.org/359718_video_v3_converted.mp4 100% FREE! The Credit Card Forum 2025 is HERE (Join Today)! 🚀 The Credit Card Forum has LAUNCHED! Learn more here: https://thecreditcardforum.com. Discover how you can MASTER the credit card game and EARN points and miles in an all new way! The Credit Card Forum is an online discussion forum (i.e. chat group or community) where you can: ASK questions, GET answers, LEARN the best credit card strategies, SHARE what you know, and EARN points and miles! 🗣️Sign Up Here! https://thecreditcardforum.com OFFERS & SAVINGS LINKS 🗣️The Credit Card Forum: https://thecreditcardforum.com 🚨Credit Card Alerts: https://markscreditcards.com/offeralerts 💳 Credit Card Offers: https://markscreditcards.com/offers 🛍️ Rakuten - Earn cash back or Amex Points: https://markscreditcards.com/rakuten 📱 MaxRewards - Manage your cards | Promo Code = markr | https://markscreditcards.com/maxrewards 🏦 SoFi Checking & Savings (Get up to $325): https://markscreditcards.com/sofibanking 📊 Webull - Get Free Stocks: https://markscreditcards.com/webull Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #credit #creditcard #creditcards 2025-03-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/364562/these-3-citi-card-tricks-change-everything https://gamma.videonest.org/364562_thumbnail_resized_v2.webp https://gamma.videonest.org/364562_video_v3_converted.mp4 These 3 Citi Card TRICKS Change EVERYTHING There are 3 HUGE Citi credit card HACKS you need to know. I’m revealing them all so you can earn more points for travel or cash back faster than ever! Click “Show More” to see Ad Disclosure. We rarely talk about Citi credit cards, but we should. When using the right cards together (to make a Citi Trifecta, or more), you can create one of the BEST credit card setups and strategies of all time AND do so at a very low cost (i.e. annual fees). For example, the Citi Strata Premier, Citi Custom Cash, and Citi Double Cash (i.e., Citi Trifecta) only costs $95 total per year. The first hack we’ll talk about gets around Citi’s terms that say, “Citi will only issue one Citi Custom Cash Card account per person.” You can actually get MULTIPLE Citi Custom Cash Cards, but not by applying for them directly. The second hack will teach you how to combine Citi ThankYou Points. THIS IS HUGE. Why? Because it enables the ability to redeem ALL Citi points via Citi transfer partners (note: you’ll need the Citi Strata Premier Card to make this work). Without this hack, you’d be stuck with separate Citi ThankYou point balances for each card, which would mean the only points you could redeem via transfer partners would be the ones actually earned by the Citi Strata Premier (points earned from other cards would be ineligible). Even BETTER? It allows for the next hack to work on a HUGE scale. The third hack will show you how to get 10% back every time you redeem Citi ThankYou points (up to 100,000 points per year). However, the clock might be ticking on this one, as Citi could discontinue this option in 2025. For now, as I write this description and publish this video, it still works! TOP CREDIT CARD OFFERS & LINKS 🗣️ Join The Credit Card Forum: https://thecreditcardforum.com 🚨 Get Credit Card Alerts: https://markscreditcards.com/offeralerts 💳 View Credit Card Offers: https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🛍️ Rakuten - Earn Cash Back or Amex Points: https://markscreditcards.com/rakuten 🏦 SoFi Checking & Savings (Get up to $325): https://markscreditcards.com/sofibanking HIGH YIELD SAVINGS & CHECKING ACCOUNTS 🏦 SoFi HYSA + Checking: https://markscreditcards.com/sofibanking 🏦 Ally HYSA: https://markscreditcards.com/allysavings 🏦 CIT Bank HYSA: https://markscreditcards.com/citbanksavings 🏦 Discover HYSA: https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Barclays HYSA: https://markscreditcards.com/barclayssavings 🏦 Amex HYSA: https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings-account/ 🏦 Capital One HYSA: https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/ 🏦 Marcus by Goldman Sachs HYSA: https://www.marcus.com/us/en/savings/high-yield-savings INVESTING LINKS 📊 Webull - Get Free Stocks: https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - INTRO 00:29 - TRICK 1 4:06 - TRICK 2 10:19 - TRICK 3 15:55 - BIG DECISION Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #bestcreditcards 2025-03-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/368282/hilton-honors-aspire-card-ultimate-guide-to-every-benefit https://gamma.videonest.org/368282_thumbnail_resized_v2.webp https://gamma.videonest.org/368282_video_v3_converted.mp4 Hilton Honors Aspire Card: ULTIMATE GUIDE to Every Benefit The Hilton Honors Aspire Card is the BEST hotel credit card ever made. If you’re thinking about getting it (or already have it) then this in depth review will help you unlock all the benefits to travel like a VIP! Click “Show More” to see Ad Disclosure. Hotel credit cards can bring a lot of value to you, particularly because many of them allow you to earn a free night every year along with receiving special benefits like elite status. The Hilton Honors Aspire Card is no exception. In fact, it’s arguably better than all of the other hotel credit cards out there (and even better than some general travel credit cards). Not only can it earn 14X on Hilton Hotels and Resorts, but it also gives you complimentary Hilton Honors Diamond Status, a $400 Hilton Resort Credit, an annual Free Night Reward (plus the ability to earn 2 more), a $200 Flight Credit, a $199 CLEAR Plus Credit, no foreign transaction fees, and more! Even though the annual fee is currently $550, it’s quite easy to see how you can get far more value than that without much difficulty. HILTON ASPIRE CARD LINKS 🔹 What Counts for Reward Categories: https://www.americanexpress.com/us/rewards-info/travel.html 🔹 $400 Hilton Resort Credit (Eligible Resorts): https://www.hilton.com/en/hilton-honors/resort-credit-eligible-hotels/ 🔹 $100 Property Credit (Booking Link): http://hiltonhonorsaspirecard.com 🔹 CLEAR Enrollment: https://www.clearme.com 🔹 Hilton Diamond Benefits: https://www.hilton.com/en/hilton-honors/member-benefits/ 🔹 Hilton Free Night Rewards (Excluded Properties): https://www.hilton.com/en/p/promotions/free-night-reward-property-exclusions/ 🔹 Resy (Global Dining Access): https://www.resy.com/globaldiningaccess 🔹 Amex Presale Tickets | Amex Reserved Tickets: https://americanexpress.com/entertainment 🔹 American Express Venue Collection: https://americanexpress.com/venues TOP CREDIT CARD OFFERS & LINKS 🗣️ Join The Credit Card Forum: https://thecreditcardforum.com 🚨 Get Credit Card Alerts: https://markscreditcards.com/offeralerts 💳 View Credit Card Offers: https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🛍️ Rakuten - Earn Cash Back or Amex Points: https://markscreditcards.com/rakuten 🏦 SoFi Checking & Savings (Get up to $325): https://markscreditcards.com/sofibanking HIGH YIELD SAVINGS & CHECKING ACCOUNTS 🏦 SoFi HYSA + Checking: https://markscreditcards.com/sofibanking 🏦 Ally HYSA: https://markscreditcards.com/allysavings 🏦 CIT Bank HYSA: https://markscreditcards.com/citbanksavings 🏦 Discover HYSA: https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Barclays HYSA: https://markscreditcards.com/barclayssavings 🏦 Amex HYSA: https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings-account/ 🏦 Capital One HYSA: https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/ 🏦 Marcus by Goldman Sachs HYSA: https://www.marcus.com/us/en/savings/high-yield-savings INVESTING LINKS 📊 Webull - Get Free Stocks: https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:40 - Welcome Offer 1:13 - Earn Points 2:32 - Redeem Points 3:23 - $400 Hilton Resort Credit 4:39 - $200 Flight Credit 5:24 - $100 Property Credit 7:35 - $199 CLEAR Plus Credit 9:37 - Hilton Diamond Status 11:52 - Hilton Free Night Rewards 14:50 - National Car Rental Emerald Club Executive Status 15:35 - Global Dining Access by Resy 16:51 - No Foreign Transaction Fees 17:03 - Amex Presale Tickets | Amex Reserved Tickets 17:39 - American Express Venue Collection 18:50 - Amex Offers 19:26 - Travel Protections 19:52 - Retail Protections 20:04 - The Big Question Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #hilton #creditcards #bestcreditcards 2025-04-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/380018/best-credit-cards-for-gas-2025-up-to-8percent-back https://gamma.videonest.org/380018_thumbnail_resized_v2.webp https://gamma.videonest.org/380018_video_v3_converted.mp4 Best Credit Cards for Gas 2025 (Up to 8% Back!) Stop leaving yourself vulnerable to data breaches. Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if any of your data has been exposed. Then learn about the 17 BEST credit cards for gas, both for cash back and travel (including business, too). Click “Show More” to see Ad Disclosure. If you want to save money on gas, then one of the best ways to do so is with credit cards, choosing the right one that gives you at least 3% cash back or 3X points on your purchases. Here are a few of the cards we’ll talk about… The Citi Custom Cash gives you 5% cash back / 5X Citi ThankYou points on your Top Eligible Spend Category on up to $500 spent each billing cycle. One of those eligible categories is Gas Stations, making this a fantastic credit card with no annual fee. The Costco Anywhere Visa Card by Citi now earns 5% cash back at Costco Gas Stations and 4% at other gas stations, up to a combined $7,000 spend per year. It has other useful reward categories, no annual fee, no foreign transaction fees, and a handful of insurance protections. The Amex Business Gold Card earns 4X Membership Rewards points on your Top 2 Eligible Categories each billing cycle on up to $150,000 total spend per year. One of those eligible categories includes U.S. Gas Stations. Plus, the card usually offers a huge welcome offer of 100,000 points or more after meeting the spend requirement! The Amex Blue Cash Everyday Card earns 3% cash back at U.S. Gas Stations on up to $6,000 of spend per year. It has no annual fee and includes a couple other really useful 3% reward categories. The U.S. Bank Altitude Connect Visa Signature Card got an update not long ago. For your gas purchases, you’ll earn 4X points at Gas Stations & EV Charging Stations on your first $1,000 spent per quarter. TOP CREDIT CARD OFFERS & LINKS 🚨 Get Credit Card Alerts: https://markscreditcards.com/offeralerts 🗣️ Join The Credit Card Forum: https://thecreditcardforum.com 💳 View Credit Card Offers: https://markscreditcards.com/offers 🛍️ Rakuten - Earn Cash Back or Amex Points: https://markscreditcards.com/rakuten 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 💵 SoFi (Get $300+): https://markscreditcards.com/sofibanking 🏦 Top Bank Accounts: https://markscreditcards.com/bankaccounts 📊 Top Investing Accounts: https://markscreditcards.com/investingaccounts ------------ 🎬 CHAPTERS 00:00 - Intro 1:16 - Wyndham Rewards Earner Business 2:24 - Wyndham Rewards Earner Plus 2:58 - Wyndham Rewards Earner 3:24 - Citi Custom Cash 4:26 - Costco Anywhere Visa 5:08 - Sam’s Club Mastercard 5:36 - AAA Travel Advantage | AAA Daily Advantage 6:13 - Amex Business Gold Card 9:28 - U.S. Bank Altitude Connect 10:18 - U.S. Bank Business Altitude Connect 10:51 - Citi Strata Premier 11:37 - Venmo Credit Card 12:08 - PNC Cash Rewards Visa 12:48 - TD Cash Credit Card 13:33 - Amex Blue Cash Everyday 14:18 - Amex Blue Cash Preferred 15:03 - Bank of America Customized Cash Rewards 15:54 - Bank of America Business Advantage Customized Cash Rewards 16:51 - Closing Thoughts and Summary Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #bestcreditcards 2025-04-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/412313/big-changes-united-explorer-card-full-guide https://gamma.videonest.org/412313_thumbnail_resized_v2.webp https://gamma.videonest.org/412313_video_v3.mp4 BIG CHANGES: United Explorer Card (Full Guide) The United Explorer Card got some WILD CHANGES! Learn what this could mean for you and if you should apply for the card (or continue to keep it). Click “Show More” to see Ad Disclosure, links, and additional information below. In fact, ALL of the United Credit Cards got radically new changes and benefits added to them. You can check out the press release from Chase here… 📝 PRESS RELEASE (CHASE) - Chase and United Airlines Announce New and Enhanced Travel Benefits for United MileagePlus Cardmembers, Provided the Most Value it’s Ever Offered: https://media.chase.com/news/united-refresh-2025 📝 THE POINTS GUY - United overhauls its cards and raises annual fees: https://thepointsguy.com/news/united-credit-card-refresh-2025/ 📝 NERDWALLET - United Credit Cards Unveil Major Changes: Higher Fees, More Perks https://www.nerdwallet.com/article/credit-cards/chase-united-refresh-credit-card-lineup-higher-fees-more-perks For this video, we’ll be ‘exploring’ the United Explorer Card. Aside from the annual fee increasing from $95 to $150, this airline credit card now gives you a bunch of annual credits with partner merchants, along with many of the same United Airlines benefits you’ve known and enjoyed in the past. I’ll give you the full review and explanation of how these benefits work so you can get as much value out of this card as possible. TOP CREDIT CARD OFFERS & LINKS 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🚨 Get Credit Card Alerts: https://markscreditcards.com/offeralerts 🗣️ Join The Credit Card Forum: https://thecreditcardforum.com 💳 View Credit Card Offers: https://markscreditcards.com/offers 🛍️ Rakuten - Earn Cash Back or Amex Points: https://markscreditcards.com/rakuten 💵 SoFi (Get $300+): https://markscreditcards.com/sofibanking 🏦 Top Bank Accounts: https://markscreditcards.com/bankaccounts 📊 Top Investing Accounts: https://markscreditcards.com/investingaccounts TOP BANK ACCOUNTS 🏦 https://markscreditcards.com/bankaccounts TOP INVESTING ACCOUNTS 📊 https://markscreditcards.com/investingaccounts ------------ 🎬 CHAPTERS 00:00 - Intro 00:35 - Welcome Offer 1:34 - Earn Miles 1:49 - Redeem Miles 3:09 - $100 United Travel Credit 4:01 - $100 United Hotels Credit 5:06 - $60 Rideshare Credit 6:58 - $50 Avis, Budget Credit 7:55 - $100 JSX Credit 9:58 - $120 Instacart Credit 11:07 - Instacart+ Membership 11:52 - $120 Global Entry, TSA PreCheck, NEXUS Credit 12:43 - Cheat Sheet (Credits) 13:28 - 1st Checked Bag Free 14:11 - Priority Boarding 15:11 - 2 United Club 1-Time Passes 16:45 - 25% Inflight Discount 17:15 - 10,000 Mile Award Flight Discount 18:00 - Premier Upgrades on Award Tickets 19:03 - 1,000 PQPs 19:55 - United Card Events from Chase 20:21 - United MileagePlus Exclusive Events 20:52 - Visa Concierge 21:00 - No FTFs 21:14 - Travel Protections 21:42 - Retail Protections 21:52 - The Big Question Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #unitedairlines 2025-04-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/421549/7-ways-to-earn-chase-points-so-fast-youll-freak-out https://gamma.videonest.org/421549_thumbnail_resized_v2.webp https://gamma.videonest.org/421549_video_v3.mp4 7 Ways to Earn Chase Points SO FAST You’ll Freak Out. Here are 7 ways to earn Chase points FAST with little to no effort! Apply them to your credit card strategy to make that next vacation happen a lot sooner! Click “Show More” to see Ad Disclosure. Are you tired of earning points slowly, or never having enough for your vacation? It's time to upgrade your Chase Ultimate Rewards strategy! In this video, we'll dive deep into 7 hacks to earn Chase points faster than you ever thought possible. These hacks will involve using Chase credit cards, partnerships, and other opportunities and promotions that you may not have been aware of. A part of this does revolve around having a strong credit card setup, though. So, make sure you find the right credit cards for your spending habits. The Chase Sapphire Reserve or Chase Sapphire Preferred (you can only have 1 open at a time) paired with one of the Chase Freedom-branded cards (like the Chase Freedom Flex or Chase Freedom Unlimited) make for a really powerful setup (we often call this the Chase Trifecta if you’re using 3 Chase credit cards together). Also keep in mind that you can add in Chase business credit cards, too (like the Chase Ink Preferred, Chase Ink Cash, and Chase Ink Unlimited). From there, this video will help you accelerate your earning potential…FAST! CREDIT CARD LINKS 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🚨 Get Credit Card ALERTS: https://markscreditcards.com/offeralerts 💳 View Credit Card OFFERS: https://markscreditcards.com/offers EARN CASH or AMEX POINTS! 🛍️ Rakuten: https://markscreditcards.com/rakuten BANK ACCOUNT LINKS 🏦 Top Bank Accounts: https://markscreditcards.com/bankaccounts 💵 SoFi (Get $300+): https://markscreditcards.com/sofibanking INVESTING ACCOUNT LINKS 📊 Top Investing Accounts: https://markscreditcards.com/investingaccounts VIDEO LINKS 🎬 How to get APPROVED for Chase Credit Cards! (Chase Application Rules) https://www.youtube.com/watch?v=mlGWG5btFmc&t=1s 🎬 #1 Trick to Get Business Credit Cards WITHOUT a Business: https://www.youtube.com/watch?v=u9qE-mVShvo&t=162s CHASE LINKS 🔵 Chase Sapphire Preferred 100K Offer: https://markscreditcards.com/referchasesapphire 🔵 Chase Refer A Friend: https://www.chase.com/referafriend/catch-all ------------ 🎬 CHAPTERS 00:00 - Intro 00:15 - Method 1 3:22 - Method 2 8:12 - Method 3 9:44 - Method 4 12:33 - Method 5 13:18 - Method 6 15:21 - Method 7 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #creditcard #bestcreditcards 2025-04-23T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/425589/aven-card-what-you-need-to-know-before-applying https://gamma.videonest.org/425589_thumbnail_resized_v2.webp https://gamma.videonest.org/425589_video_v3_converted.mp4 AVEN CARD: What You NEED to Know BEFORE Applying Line sizes up to $250,000, no annual fee, 2% Unlimited Cashback, cancel anytime. Aven: The Home Equity Credit Card. Mortgage Cashback: Make at least $4,000 of eligible purchases with the Aven Homecard during the first three statement periods to earn points on your mortgage payment. Customer is required to confirm their mortgage payment with Plaid. One half point per $1 spent on mortgage payments confirmed by Aven through Plaid, up to a maximum of Ten Thousand (10,000) points (equivalent to $200) each calendar year. Limited to one mortgage payment per property, per month. Upon reaching $4,000 in eligible purchases in the first three periods, a customer will be able to redeem the points from their mortgage payments. Otherwise, the customer will not receive points for mortgage payments and will no longer be eligible to receive Points for mortgage payments moving forward. One point per $1 spent on Net Eligible Purchases made with the Aven Homecard. Balance Transfers and Cash Out transactions are not eligible. For Terms & Conditions refer to https://www.aven.com/public/docs/MortgagePaymentCashback10Terms Learn more and apply at https://www.aven.com/. Aven sponsored this video and provided compensation in exchange for the reviewer’s truthful opinion. Please review terms and conditions for additional information. APR range is 7.49 - 14.99% as of February 2025. Some of the offers in this video may no longer be available. Aven Financial, Inc. dba Aven or "AvenCard" (in AR, ID, and PA), 548 Market St #99555, San Francisco, CA 94104. NMLS # 2042345. Subject to credit approval. Certain terms and conditions may apply, may vary by applicant and are subject to change. Limited to certain states - see aven.com/licenses for details. All relevant disclosures for this video are included at aven.com/#disclosures. Line sizes may vary by state. The Aven Card is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289 (www.nmlsconsumeraccess.org) #aven #avencard #avenreviews #avenheloc #helocopter #ad #sponsorship Advertiser Disclosure: This site 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 links appear on this site. This site does not include all financial companies or all available financial offers. CREDIT CARD LINKS 💥 Aven Card: https://www.aven.com/ 🚨 Get Credit Card ALERTS: https://markscreditcards.com/offeralerts 💳 View Credit Card OFFERS: https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards EARN CASH or AMEX POINTS! 🛍️ Rakuten: https://markscreditcards.com/rakuten BANK ACCOUNT LINKS 🏦 Top Bank Accounts: https://markscreditcards.com/bankaccounts 💵 SoFi (Get $300+): https://markscreditcards.com/sofibanking INVESTING ACCOUNT LINKS 📊 Top Investing Accounts: https://markscreditcards.com/investingaccounts Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. 2025-04-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/432114/14-business-credit-cards-that-dont-report-to-personal-credit https://gamma.videonest.org/aO28LkAGTAU_thumbnail_resized_v2.webp https://gamma.videonest.org/aO28LkAGTAU_video_v3_360.mp4 14 Business Credit Cards that DON’T REPORT to Personal Credit Protect yourself while banking online with my sponsor, Aura. Click https://aura.com/markreese to get a 14-day free trial. Then learn about the top 14 Business Credit Cards that DO NOT REPORT to your personal credit report. Click “Show More” to see Ad Disclosure. Business credit cards are a fantastic tool for small business owners. They allow you to separate business and personal finances, often give higher credit limits, help you build business credit for your small business or new LLC, and can even help you preserve your personal credit score in a BIG way. Here’s why… Many small business credit cards DO NOT REPORT to your personal credit report. This means they won’t affect the major factors of your credit score, including: newly opened accounts, age of credit history, payment history, and utilization. None of those factors from a business credit card can impact your personal credit score if those card accounts never get reported in the first place. A great example of this is credit utilization. If you have a large amount of spend each month that consistently uses up a high percentage of your credit line, that can dramatically lower your credit score when the balance gets reported. However, if that high credit utilization doesn’t get reported on your personal file, then it won’t have any effect on your personal credit score at all! Additionally, for individuals interested in the credit card rewards game, the Chase 5/24 Rule is very well known. Fortunately, business credit cards that don’t report to your personal file cannot affect your 5/24 Rule status with Chase (that’s because Chase can only count the newly opened accounts that actually show up on your personal credit report). So, business credit cards can be a great way to earn additional signup bonuses, benefits, and ongoing rewards (particularly in categories not covered on personal cards) without increasing your 5/24 Rule status. A Word of Caution: Some business credit cards may report NEGATIVE information to your personal credit report. This includes things like late payments or other delinquencies. To avoid this, simply make sure to pay on time and keep your account in good standing. CREDIT CARD LINKS 🚨 Get Credit Card ALERTS: https://markscreditcards.com/offeralerts 💳 View Credit Card OFFERS: https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards EARN CASH or AMEX POINTS! 🛍️ Rakuten: https://markscreditcards.com/rakuten BANK ACCOUNT LINKS 🏦 Top Bank Accounts: https://markscreditcards.com/bankaccounts 💵 SoFi (Get $300+): https://markscreditcards.com/sofibanking INVESTING ACCOUNT LINKS 📊 Top Investing Accounts: https://markscreditcards.com/investingaccounts ------------ 🎬 CHAPTERS 00:00 - Intro 1:06 - Chase Ink Business Preferred 2:14 - Chase Ink Business Cash 3:35 - Chase Ink Business Unlimited 4:30 - Amex Business Platinum Card 7:03 - Amex Business Gold Card 8:30 - Amex Blue Business Plus, Amex Blue Business Cash 9:38 - Capital One Venture X Business 11:34 - Capital One Spark Cash Plus 12:58 - Bank of America Business Advantage Customized Cash Rewards 14:21 - Bank of America Business Advantage Unlimited Cash Rewards Mastercard 14:56 - Wells Fargo Signify Business Cash 15:32 - U.S. Bank Business Altitude Connect Visa Signature 16:54 - U.S. Bank Triple Cash Rewards Visa Business Card 18:08 - Summary 18:28 - Important Note Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #businesscredit #smallbusiness 2025-05-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/446990/capital-one-venture-x-real-world-review-or-how-to-use-every-benefit https://gamma.videonest.org/446990_thumbnail_resized_v2.webp https://gamma.videonest.org/446990_video_v3.mp4 Capital One Venture X: REAL WORLD REVIEW | How to Use Every Benefit Watch me test the main benefits of the Capital One Venture X in the REAL WORLD, including airport lounge access to the Capital One Lounge and Priority Pass, Hertz President’s Circle status, the $300 Travel Credit, and more! I’ll teach you step-by-step how they work so you can maximize the value of your Capital One Venture X card easily. Click “Show More” to see Ad Disclosure. In today’s credit card landscape, premium credit cards are getting quite complicated with tons of benefits, credits, and terms we need to be aware of. Many also have high annual fees of $550 and up. Fortunately, the Capital One Venture X breaks that trend to a certain degree. Costing a lesser $395 per year with a smaller handful of benefits that are easier to use, it’s a fantastic travel credit card all around. Some of the main benefits include access to Capital One Lounges, Priority Pass Lounges, an annual $300 Travel Credit, an Anniversary Bonus of 10,000 Miles, Hertz President’s Circle status, and more. To make it easier to understand, I’m doing a REAL WORLD review of the Capital One Venture X so you can SEE how the benefits work. I’ll also EXPLAIN the details you must know before using the benefits so that everything can go smoothly. CREDIT CARD LINKS 🚨 Get Credit Card ALERTS: https://markscreditcards.com/offeralerts 💳 View Credit Card OFFERS: https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards EARN CASH or AMEX POINTS! 🛍️ Rakuten: https://markscreditcards.com/rakuten BANK ACCOUNT LINKS 🏦 Top Bank Accounts: https://markscreditcards.com/bankaccounts 💵 SoFi (Get $300+): https://markscreditcards.com/sofibanking INVESTING ACCOUNT LINKS 📊 Top Investing Accounts: https://markscreditcards.com/investingaccounts ------------ 🎬 CHAPTERS 00:00 - Intro 00:56 - Capital One Travel Portal & Benefits Page 2:22 - Capital One Lounge 6:54 - Priority Pass 11:22 - Hertz President’s Club 15:28 - Premier Collection | Lifestyle Collection 20:16 - $300 Travel Credit 22:05 - 10K Anniversary Bonus 22:51 - $120 Global Entry / TSA PreCheck Credit 23:25 - Earning Rewards (10X-5X-2X) Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #capitalone #bestcreditcards 2025-05-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/452011/best-credit-cards-for-dining-2025-save-money-on-food https://gamma.videonest.org/452011_thumbnail_resized_v2.webp https://gamma.videonest.org/452011_video_v3_converted.mp4 Best Credit Cards for Dining 2025 (SAVE MONEY on Food!) Thanks to DoorDash for sponsoring this video! Visit https://doordash.yt.link/7AaYqUs and use code MARK50 to get more from delivery, for less with DashPass: zero-dollar delivery fees and reduced service fees on eligible DoorDash orders. Subject to change. Terms apply. Click “Show More” to see Ad Disclosure. If you like eating out at restaurants or doing takeout, then getting a credit card that rewards you on dining in a must! Fortunately, there are a lot of options to choose from. One of the top contenders is the Capital One Savor card, which gives you 3% cash back on dining. If you prefer travel rewards, however, you can convert that cash back in to Venture miles if you also have the Capital One Venture X, Capital One Venture Rewards, Capital One SavorOne, or one of the Capital One Spark Miles cards. Another option is the Amex Gold Card, earning 4X at restaurants worldwide with a cap of $50,000 per calendar year (after which you earn 1X). This card is a GREAT travel credit cards because it earns some of the most valuable travel points in the industry: Amex Membership Rewards points. However, they don’t give good value for cash back. A third option is the Chase Sapphire Preferred (and the Chase Sapphire Reserve, too). Both of these Chase credit cards earn 3X on dining in the form of Chase Ultimate Rewards points. Points are worth 1¢ each for cash back, which is good, but they can be worth far more for travel. The Chase Sapphire Preferred makes you points worht 25% more while the Chase Sapphire Reserve makes your points worth 50% more when redeeming for travel via the Chase travel portal. It’s possible to get even more value via transfer partners though! CREDIT CARD LINKS 🚨 Get Credit Card ALERTS: https://markscreditcards.com/offeralerts 💳 View Credit Card OFFERS: https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards EARN CASH BACK & AMEX POINTS! 🛍️ Rakuten ($30 or 3,000 Amex Points): https://markscreditcards.com/rakuten BANK ACCOUNT LINKS (HIGH-YIELD)! 🏦 Top Bank Accounts (High % APY): https://markscreditcards.com/bankaccounts 💵 SoFi (Get $300+): https://markscreditcards.com/sofibanking INVESTING ACCOUNT LINKS 📊 Top Investing Accounts: https://markscreditcards.com/investingaccounts FOOD DELIVERY 🍔 30 Days FREE w/ DashPass: https://doordash.yt.link/7AaYqUs ------------ 🎬 CHAPTERS 00:00 - Intro 00:45 - Capital One Savor 2:09 - Amex Gold Card 4:14 - Amex Green Card 4:57 - Chase Freedom Unlimited | Chase Freedom Flex 6:21 - Chase Sapphire Reserve 9:58 - Chase Sapphire Preferred 11:09 - Wells Fargo Autograph | Wells Fargo Autograph Journey 12:16 - Bilt Mastercard 13:12 - Citi Strata Premier 14:21 - Citi Custom Cash 14:59 - Costco Anywhere Visa 15:43 - Sam’s Club Mastercard 16:23 - Bank of America Customized Cash Rewards 17:17 - Venmo Credit Card 17:53 - AAA Travel Advantage Visa Signature 18:41 - PNC Cash Rewards Visa 19:26 - TD Cash Credit Card Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #bestcreditcards 2025-05-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/456617/breaking-the-new-citi-strata-card-is-here-first-look https://gamma.videonest.org/456617_thumbnail_resized_v2.webp https://gamma.videonest.org/456617_video_v3_converted.mp4 🚨BREAKING: The NEW Citi Strata Card IS HERE! (First Look 👀) The NEW Citi Strata Card was announced with a $0 annual fee, strong reward multipliers, and leaves room for possible Citi Strata ELITE (coming soon?) Click “Show More” to see Ad Disclosure. May 22, 2025 is a BIG day for Citi! The bank has announced the Citi Strata Card, a full replacement and rebranding of the former Citi Rewards+ Card. The Citi Rewards+ will be completely discontinued on July 20, 2025, at which point existing cardholders will be automatically converted to the new Citi Strata Card. So, if the Rewards+ has any features you want to use, do so prior to July 20th! This includes 2 features that are going away: (1) The 10% Points Back feature and (2) The Round Up to the Nearest 10 Points feature. Here’s the new rewards structure of the Citi Strata Card: - 5x points on hotels, car rentals, and attractions booked through CitiTravel.com - 3x points at supermarkets - 3x points on select transit, including gas stations, electric vehicle charging, and public transportation - 3x points on 1 self-select category each quarter, chosen from options like fitness clubs, streaming services, live entertainment, beauty salons, or pet supply stores - 2x points at restaurants - 1x points on all other purchases Fortunately, the Citi Strata Card will maintain its $0 annual fee. For the limited Citi Transfer Partners list, it looks like you’ll be able to transfer to: - Choice Privileges - JetBlue TrueBlue - Wyndham Rewards To get access to the full list of Citi Transfer Partners, you’ll need to get the Citi Strata Premier. The BIG QUESTION now remains… With 2 Citi Strata-branded cards in the current lineup, will a 3rd Top-Tier Card be announced at some point? Rumor has it that the name will be the Citi Strata Elite! See the trademark filing here: https://trademarks.justia.com/975/83/citi-strata-97583441.html TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 1:07 - What’s Not Changing 1:34 - What Is Changing 2:16 - Product Changes & Existing Cardholders 2:25 - New Welcome Offer 3:20 - New Reward Multipliers 4:11 - Comparison 1 (vs. Citi Rewards+) 6:34 - Comparison 2 (vs. Wells Fargo Attune) 7:31 - Comparison 3 (vs. Citi Strata Premier) 8:57 - Citi Strata ELITE? 10:07 - Point Value Changes Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #bestcreditcards 2025-05-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/457704/these-4-amex-gold-card-tricks-change-everything https://gamma.videonest.org/1e3JDcNQmCk_thumbnail_resized_v2.webp https://gamma.videonest.org/1e3JDcNQmCk_video_v3.mp4 These 4 Amex Gold Card TRICKS Change EVERYTHING There are 4 Amex Gold Card HACKS you need to know. I’m revealing them all so you can get maximum value out of this card in a really easy way! Click “Show More” to see Ad Disclosure. All of the Amex Gold Card hacks mentioned in this video will show you a different way to use the biggest benefits in a new way. This includes the $100 Resy Credit, $120 Dining Credit, and $84 Dunkin’ Credit. At first glance, these Amex Gold Card benefits seemed difficult to use for many people. However, there’s a lot more flexibility than you might think! TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - INTRO 00:47 - TRICK 1 (Intro) 1:56 - TRICK 1 (Part 1) 5:24 - TRICK 1 (Part 2) 7:58 - TRICK 1 (Part 3) 12:41 - TRICK 2 16:45 - TRICK 3 19:19 - TRICK 4 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #creditcards 2025-05-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/461493/capital-one-venture-x-kills-lounge-access-big-fees https://gamma.videonest.org/461493_thumbnail_resized_v2.webp https://gamma.videonest.org/461493_video_v4.mp4 Capital One Venture X KILLS Lounge Access (Big Fees!) Big changes are coming to the Capital One Venture X, impacting its airport lounge access! Learn about the upcoming changes to the Priority Pass and Capital One Lounge benefits and how they may affect your travel. Click “Show More” to see Ad Disclosure. The following changes are set to take effect as of February 01, 2026... On the personal card side, Capital One Venture X primary cardholders will still get unlimited access to Capital One Lounges and Priority Pass Lounges. However, you will not be allowed to bring any guests for free. Guests will now cost $35 each at Priority Pass Lounges and $45 each for adults at Capital One Lounges (kids 17 and under will be $25 and kids under 2 years of age will still be free). Going forward, you’ll be able to spend $75,000 per calendar year on your Capital One Venture X to unlock the ability to bring 2 free guests to Capital One Lounges ONLY (Priority Pass Lounges will still require a $35 fee per guest per visit). Watch the video for more details, including what’s happening to the Capital One Venture X Business Card! TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (High APY!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:23 - Old Policy 1:06 - New Policy 1 (Guests) 4:35 - New Policy 2 (Authorized Users) 6:00 - Summary 6:40 - My Thoughts Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #capitalone #creditcards #airportlounges #airportlounge 2025-06-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/462831/watch-me-apply-citi-aadvantage-executive-world-elite-mastercard https://gamma.videonest.org/5b9TCDejiPE_thumbnail_resized_v2.webp https://gamma.videonest.org/5b9TCDejiPE_video_v3.mp4 WATCH ME APPLY: Citi AAdvantage Executive World Elite Mastercard You can go to my sponsor https://aura.com/markreese to try 14 days for free. That’s enough time for Aura to start scrubbing your personal info off these data broker sites, without you lifting a finger. Then watch me apply & share a BIG HACK to (hopefully) get approved for the Citi AAdvantage Executive World Elite Mastercard! Click “Show More” to see Ad Disclosure. The Citi AAdvantage Executive World Elite Mastercard is an excellent travel credit card and airline credit card. However, if I get approved, I don’t plan to use it for my everyday spending. Rather, I hope to keep it open for the benefits with American Airlines rather than the rewards. The ability to earn 4X American miles is tempting; it’s a decent return (so that might be 1 type of purchase I put on the card). But the 2 areas where this American Airlines credit card really shine for me are: 1. Admirals Club Membership. Airport lounges are commonplace these days, but many of them may be located in inconvenient areas based on the gate you’re flying out of. The great thing about American Airlines Admirals Clubs is that they’re usually located very close to your departing gate when flying AA, so you won’t have to worry about walking a long distance, using sky trams, or exiting and re-entering security just to go to a lounge. 2. VIP Airport Experience. The card gives you priority check-in, priority security, and priority boarding privileges where available, and these benefits extend to up to 8 people traveling on the same reservation. Although I’ve had this card in years past, it’s been a while since I’ve had it in my wallet. Let’s see what happens when I apply in 2025! TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcardapply #creditcards #creditcard 2025-06-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/478000/first-ever-chase-sapphire-reserve-business-card-first-look https://gamma.videonest.org/478000_thumbnail_resized_v2.webp https://gamma.videonest.org/478000_video_v3.mp4 FIRST EVER Chase Sapphire Reserve BUSINESS Card (First Look 👀) For the 1st time ever, Chase Sapphire Reserve BUSINESS card hits the scene! The reward multipliers will allow you to earn points FAST when booking travel, but there’s a BIG CATCH regarding lounge access! Here’s your first look at the new card! Click “Show More” to see Ad Disclosure. The Chase Sapphire Reserve Business Card will have a $795 annual fee (employee cards will be $0) and will prove itself one of the best credit cards for small business. It'll earn 8X on Chase Travel, 5X on Lyft thru 9.30.2027, 4X on Flights booked directly with airlines, 4X on Hotels booked directly with hotels, 3X on Advertising via social media sites and search engines, and 1X on Other Purchases. It will have similar statement credits as the personal Chase Sapphire Reserve but also add ones for ZipRecruiter, Google Workspace, and Giftcards.com. The Spend-Based Benefits to earn IHG One Rewards Diamond Elite Status and Southwest Airlines A-List Status will require $120,000/yr. Learn more about all the new benefits of the Chase Sapphire Reserve Business card and the differences compared to the personal version in the video! ------------ 🎬CHASE SAPPHIRE RESERVE VIDEO (Personal Version) https://www.youtube.com/watch?v=CYSAkzYZ378 🔵 CHASE LINKS (from the video) 🔗 Air Canada Maple Leaf Lounge Access: https://www.chase.com/travel/guide/experiences/air-canada-sapphire-lounge 🔗 The Edit: https://www.chase.com/travel/the-edit 🔗 The Shops at Chase: Accessible via your Chase Ultimate Rewards portal 🔵 PRESS RELEASES, BLOGS & MORE 📝 Chase Press Release: https://media.chase.com/news/the-most-rewarding-cards-are-here 📝 Chase Sapphire Reserve Benefits Page (Personal Version): https://account.chase.com/sapphire/reserve/benefits 📝 Frequent Miler Blog: https://frequentmiler.com/new-chase-sapphire-reserve-for-business/ 📝 View From the Wing Blog: https://viewfromthewing.com/chase-launches-first-ever-sapphire-reserve-business-card-795-fee-massive-perks/ 📝 Upgraded Points Blog (Vacation Home Rentals): https://upgradedpoints.com/news/chase-travel-adds-vacation-homes/ ------------ TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get High APY!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:38 - Annual Fee 1:16 - Earning Points 3:22 - Redeeming Points 4:36 - Credits 8:04 - Elite Status (Hotel, Airline) 8:59 - Lounge Access Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #bestcreditcards 2025-06-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/478001/breaking-the-new-chase-sapphire-reserve-is-here-first-look https://gamma.videonest.org/478001_thumbnail_resized_v2.webp https://gamma.videonest.org/478001_video_v3.mp4 🚨BREAKING: The NEW Chase Sapphire Reserve IS HERE! (First Look 👀) The NEW Chase Sapphire Reserve card was announced! The reward multipliers will allow you to earn points FAST when booking travel, but there’s a BIG CATCH! Here’s your first look at the new card! Click “Show More” to see Ad Disclosure. June 17, 2025 is a BIG day for Chase! The bank has announced a full revamp of one of the best travel credit cards of all time, the Chase Sapphire Reserve. The following Chase Sapphire Reserve benefits are NOT changing: The $300 Annual Travel Credit, the $120 Global Entry / TSA PreCheck® / NEXUS Credit (available every 4 years), Lounge Access (including Chase Sapphire Lounge by the Club, Priority Pass lounges, and select Air Canada Maple Leaf Lounges), the Travel Insurance Protections, the Lyft Partner Benefits and the DoorDash Partner Benefits. The following Chase Sapphire Reserve benefits ARE CHANGING: - The annual fee is increasing from $550 to $795 - The reward multipliers are changing, some going up and some going down - There are new annual credits to use - You’ll receive automatic IHG Platinum Elite Status (plus the ability to earn up to Diamond) - There’s a new Points Boost feature allowing you to redeem Chase Ultimate Rewards points between 1.0¢ - 2.0¢ (specifically, 2.0¢ for hotels participating in The Edit collection and 1.25¢ per point for Select Airfare). - There’s a new Chase Sapphire Reserve card design - The 1 Sapphire Rule is going away - There’s a new Chase Sapphire Reserve Business Card launching (covered in a separate video) ------------ 🔵 CHASE LINKS (from the video) 🔗 The Edit: https://www.chase.com/travel/the-edit 🔗 Sapphire Reserve Exclusive Tables (Open Table): https://www.opentable.com/visa-dining-program 🔗 The Shops at Chase: Accessible via your Chase Ultimate Rewards portal. 🔵 PRESS RELEASES, BLOGS & MORE 📝 Chase Press Release: https://media.chase.com/news/the-most-rewarding-cards-are-here 📝 Chase Sapphire Reserve Benefits Page (New): https://account.chase.com/sapphire/reserve/benefits 📝 CNBC: https://www.cnbc.com/2025/06/17/chase-sapphire-reserve-credit-card-new-perks-fee.html 📝 The Points Guy: https://thepointsguy.com/news/chase-sapphire-reserve-refresh-2025/ 📝 Bankrate: https://www.bankrate.com/credit-cards/news/chase-sapphire-reserve-card-changes/#dining-lifestyle ------------ TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get High APY!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:28 - What’s NOT Changing 1:02 - What IS Changing 2:35 - Annual Fee Increase 3:03 - Earning Points 5:44 - Redeeming Points 6:40 - New Credits 10:19 - Elite Status (Hotel, Airline) 11:08 - Timeline Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #bestcreditcards 2025-06-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/478002/insane-unboxing-citi-aadvantage-executive-world-elite-mastercard https://gamma.videonest.org/478002_thumbnail_resized_v2.webp https://gamma.videonest.org/478002_video_v3.mp4 INSANE UNBOXING! Citi AAdvantage Executive World Elite Mastercard This REALLY surprised me: the NEW Citi AAdvantage Executive World Elite Mastercard is HEAVIER than the Amex Platinum Card, Chase Sapphire Reserve, and Capital One Venture X! Watch me unbox it and compare it to the others. Click “Show More” to see Ad Disclosure. I’ve had the Citi AAdvantage Executive Card multiple times over the years. Originally, it was a plastic card with a $450 annual fee. From there it became heavier, either a thicker & sturdier plastic or a plastic-metal hybrid, which roughly doubled its weight. Now, it’s a full metal credit card weighing more than ever before (it’s LOUD when you drop it, too!), the annual fee went up to $595, and there are new benefits (including credits that can be earned with Avis & Budget car rentals, Lyft rideshares, and Grubhub). The part that remains unchanged, though, is that it remains the best way to get American Airlines Admirals Club access as well as the Enhanced Airport Experience (which includes priority check-in, security, and boarding where available). Others may appreciate its ability to help you earn American Airlines elite status too, since it offers Loyalty Point accelerators. TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #unboxing #unboxingvideo 2025-06-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/478003/the-new-chase-sapphire-reserve-is-here https://gamma.videonest.org/478003_thumbnail_resized_v2.webp https://gamma.videonest.org/478003_video_v3.mp4 The NEW Chase Sapphire Reserve Is HERE! 2025-06-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/478747/unboxing-the-new-chase-sapphire-reserve https://gamma.videonest.org/zZv1FMnOroc_thumbnail_resized_v2.webp https://gamma.videonest.org/zZv1FMnOroc_video_v3.mp4 Unboxing the NEW Chase Sapphire Reserve 2025-06-27T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/504142/this-1-chase-sapphire-preferred-trick-changes-everything https://gamma.videonest.org/Ayzz0pMmz7M_thumbnail_resized_v2.webp https://gamma.videonest.org/Ayzz0pMmz7M_video_v3.mp4 This 1 Chase Sapphire Preferred TRICK Changes EVERYTHING Did you know this 1 Chase Sapphire Preferred TRICK can help you earn A LOT MORE points faster than ever? There’s little debate that the Chase Sapphire Preferred is one of the best travel credit cards at a really good price ($95 per year). It allows you to earn Chase Ultimate Rewards points, which are good for cash back and even better for travel. However, there’s one reward category in particular (hint: “Online Groceries”) that frustrates a lot of people because it has so many exclusions, and that ultimately means earning fewer points than would otherwise be possible. In this video, I’m going to show you a fantastic TRICK or HACK to get around this limitation so you can earn more points every month (and that means reaching your next redemption for a future flight or hotel even sooner)! 2025-07-02T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/588718/wake-up-its-time-to-change-your-credit-card-strategy-11-reasons https://gamma.videonest.org/588718_thumbnail_resized_v2.webp https://gamma.videonest.org/588718_video_v3_converted.mp4 WAKE UP! It’s Time to Change Your Credit Card Strategy (11 reasons) Sign up for the Gemini Credit Card: https://Gemini.com/markreese. This video is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The Gemini Credit Card is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates & Fees: https://www.gemini.com/legal/cardholder-agreement Some exclusions apply to instant rewards; these are deposited when the transaction posts. See Rewards Program Terms for details: https://www.gemini.com/legal/credit-card-rewards-agreement 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas at the pump, EV charging, taxis, transit, and rideshare purchases that month). Spend cycle will refresh on the 1st of each calendar month. Checking if you’re eligible will not impact your credit score. If you’re eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. To qualify for the $200 crypto bonus, you must spend $3,000 within 90 days of account opening. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. ------------ The FUTURE of credit cards is not quite what many of us expected. For instance, it’s become clear that in order to earn more rewards faster on things like travel, we need to book our trips through bank portals. A great example of this is the new Chase Sapphire Reserve card. While it earns 4X points on airlines and hotels when booked directly with those sites, it earns DOUBLE that (8X points) when you instead book through the Chase Travel Portal. The Amex Platinum Card does something similar, awarding you 5X points on hotels when they’re prepaid and booked via the Amex Travel portal (otherwise, your reward rate would be 1X points). Additionally, we’re seeing the rise of merchant-driven credits. By this I mean receiving statement credits when transacting with a specific retailer. An example here is the Amex Gold Card’s $120 Dining Credit. You can earn up to $10 per month back as a statement credit when using your Amex Gold Card to make purchases at a very small list of food retailers (Five Guys, Wine.com, Goldbelly, The Cheesecake Factory, and Grubhub). These credit card trends, among many others, will likely define the credit cards of the future for quite some time. As credit card annual fees rise, the benefits consumers receive will likely be narrower in their use cases and/or more difficult to use due to restrictions. TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get High APY!) https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - INTRO 00:59 - TREND 1 3:04 - TREND 2 4:29 - TREND 3 6:43 - TREND 4 9:29 - TREND 5 11:29 - TREND 6 13:57 - TREND 7 16:17 - TREND 8 17:58 - TREND 9 19:44 - TREND 10 22:07 - TREND 11 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #GeminiCreditCard #CryptoRewards #creditcards 2025-06-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/588720/unboxing-the-new-chase-sapphire-reserve-dollar795-vs-dollar550-vs-dollar450 https://gamma.videonest.org/588720_thumbnail_resized_v2.webp https://gamma.videonest.org/588720_video_v3_converted.mp4 UNBOXING the NEW Chase Sapphire Reserve! ($795 vs. $550 vs. $450) The NEW Chase Sapphire Reserve is HEAVIER than ever with an all-new design! Check out the elegant unboxing experience Chase delivered with this big update! Click “Show More” to see Ad Disclosure. The Chase Sapphire Reserve got new benefits with a BIG product refresh. The card now earns 8X Ultimate Rewards points when booking travel via the Chase Travel Portal (this includes flights, hotels, rental cars, cruises, activities, tours, and soon to include vacation rentals), features an all-new Chase Points Boost feature allowing you to redeem points at values from 1.0-2.0 cents each, gives a large array of new credits (including ones for The Edit, DoorDash, Lyft, Peloton, and StubHub), all while maintaining strong airport lounge access (to Chase Sapphire lounges and Priority Pass lounges). A full review will be coming later, but for now, you can view all the Chase Sapphire Reserve benefits here: https://account.chase.com/sapphire/reserve/benefits Meanwhile, this metal credit card is one of the best travel credit cards on the market, albeit with a record-breaking annual fee of $795. For the right people, though, this credit card can be worth far more than its price. All in all, this is one of the best credit card unboxing videos I’ve been able to make, partly due to Chase’s elegant packaging design and partly because of the crazy story that goes with it! TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #chasesapphirereserve #creditcard #creditcards #creditcardunboxing 2025-06-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/588721/the-new-chase-sapphire-reserve-is-heavy-metal https://gamma.videonest.org/588721_thumbnail_resized_v2.webp https://gamma.videonest.org/588721_video_v3.mp4 The NEW Chase Sapphire Reserve is HEAVY METAL The all-new Chase Sapphire Reserve credit card is HEAVY METAL (the heaviest yet)! Back when this travel credit card was announced in 2016, it had a $450 annual fee and weighed 13g. Later, the annual fee went up to $550 and weighed 17g. Now, the Chase Sapphire Reserve got some major changes, including a record-high annual fee of $795, a heavier weight of 18g with a new design, and a bunch of new benefits. Here’s a drop test and weight comparison! What do you think of the new look? 2025-06-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/588722/the-1-threat-to-credit-cards-just-got-worse https://gamma.videonest.org/588722_thumbnail_resized_v2.webp https://gamma.videonest.org/588722_video_v3_converted.mp4 The #1 THREAT to Credit Cards Just Got WORSE Get 6-12x more value for your points with point.me! ✈️ Try it FREE for 2 days: https://markscreditcards.com/pointme. Then discover #1 threat to your credit card points and learn how you can fight back. Click “Show More” to see Ad Disclosure. Are you a credit card rewards pro, always racking up more points for your future vacation? You might think you've got this game figured out, but there's a silent force at play that is quietly eroding the value of your rewards (and it’s happening FAST). It doesn't matter if you're earning hotel points (like Hilton Honors, Marriott Bonvoy, or World of Hyatt), airline miles (like Delta SkyMiles, American AAdvantage Miles, or United MileagePlus Miles), or bank points (like Chase Ultimate Rewards, Amex Membership Rewards, or Capital One Venture miles)…you’re still going to experience some level of risk (some worse than others). In this video, we're diving deep into the often-overlooked shifts happening behind the scenes of your favorite credit card programs. We'll explore why those aspirational travel redemptions might not be as attainable as they once seemed, and what you can do about it going forward. TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ Point.me - Maximize your points! https://markscreditcards.com/pointme TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 1:07 - Method 1 2:34 - Method 2 4:27 - Method 3 6:24 - Method 4 9:51 - Method 5 11:30 - Method 6 14:25 - Method 7 16:08 - Method 8 19:50 - Method 9 20:59 - Method 10 22:24 - Method 11 (Bonus 1) 23:36 - Method 12 (Bonus 2) Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcardrewards #creditcard #creditcards #pointme #finance #awardtravel #travel 2025-06-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/628477/big-changes-chase-pop-up-jail-chase-sapphire-preferred-and-reserve https://gamma.videonest.org/AmE-FimXF2E_thumbnail_resized_v2.webp https://gamma.videonest.org/AmE-FimXF2E_video_v3_converted.mp4 BIG CHANGES: Chase Pop Up Jail (Chase Sapphire Preferred & Reserve) Go to my sponsor https://aura.com/markreese to try 14 days for free. That’s enough time for Aura to start scrubbing your personal info to get it removed from data broker sites. Then learn the MUST KNOW these rules if you want to get approved for the Chase Sapphire Preferred or Chase Sapphire Reserve. Click “Show More” to see Ad Disclosure. This video gives you the rundown about Chase's new welcome bonus eligibility rules for the personal Sapphire-branded credit cards, including the Sapphire Preferred and the Sapphire Reserve. Learn about the elimination of the 48-Month Rule, the ability to hold multiple Sapphire cards (i.e., the 1 Sapphire Rule), and the new pop-up window that notifies applicants if they are ineligible for a bonus before they submit their application (this is casually being called ‘Chase Pop Up Jail,’ and there are some big eligibility rules around this you must know). If you’re wondering how to get approved for the Chase Sapphire Preferred or Chase Sapphire Reserve, then this is a must-watch video. TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ point.me - Maximize your points! https://markscreditcards.com/pointme TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 1:20 - Part 1 (Will Not) 2:02 - Part 2 (May Not) 3:57 - Chase Pop Up Jail (NEW) 7:43 - Chase 48 Month Rule (Changes) 9:00 - Chase 1 Sapphire Rule (Changes) 10:07 - Possible Outcomes 10:49 - Upgrades Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #chasesapphire #chasesapphirereserve #chasesapphirepreferred 2025-07-08T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/656792/this-1-priority-pass-trick-changes-everything https://gamma.videonest.org/1tPAo4LhFqE_thumbnail_resized_v2.webp https://gamma.videonest.org/1tPAo4LhFqE_video_v3.mp4 This 1 Priority Pass TRICK Changes EVERYTHING 2025-07-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/662684/the-citi-strata-elite-is-coming-soon-q3-2025 https://gamma.videonest.org/T9ocUP_8z0o_thumbnail_resized_v2.webp https://gamma.videonest.org/T9ocUP_8z0o_video_v3.mp4 🚨The Citi Strata ELITE Is Coming Soon! (Q3 2025) 2025-07-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/663328/the-ultimate-guide-to-amex-retention-offers-bonus-script https://gamma.videonest.org/Hku7LaFB3ZA_thumbnail_resized_v2.webp https://gamma.videonest.org/Hku7LaFB3ZA_video_v3_converted.mp4 The ULTIMATE GUIDE to Amex Retention Offers + BONUS Script! Want to know how to get an Amex retention offer? Follow this easy guide to learn how to increase your chances of getting one (or more)! Click “Show More” to see Ad Disclosure. Amex retention offers can come in a variety of formats. You could receive bonus points or a statement credit. To give a few examples, if you have the Amex Green Card, Amex Gold Card, or Amex Platinum Card and receive a points-based retention offer, then you’ll get bonus Amex Membership Rewards points. You might get a straight points offer with no strings attached or you may have to meet a spend requirement first. In the case of having a hotel credit card, then your retention offer would earn hotel-based points (e.g., you’d earn hotel points if you have the Hilton Honors American Express Card, Hilton Honors Surpass Card, Hilton Honors Aspire Card, Marriott Bonvoy Bevy Card, or Marriott Bonvoy Brilliant Card). And of course, if you have an airline credit card, then your retention offer would earn airline miles (e.g., you’d earn Delta SkyMiles if you have the Delta SkyMiles Gold, Delta SkyMiles Platinum, or Delta SkyMiles Reserve American Express Cards). Amex retention offers can be great to help you justify keeping your credit card open longer, especially if you were on the fence about canceling it. Just be sure to keep your card open for at least another 12 months if you accept a retention offer. Otherwise, American Express could close your account, take back your points, or even close all credit card accounts you have with them. Play by the rules! Now it's time to earn more Amex points! TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ point.me - Maximize your points! https://markscreditcards.com/pointme TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 2:05 - Requesting a Retention Offer 3:15 - Example (Real World) 13:11 - My 2 Attempts (Summary) 14:42 - Things to Know 20:57 - The Script Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #creditcards 2025-07-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/702240/amex-gold-card-vs-chase-sapphire-preferred-new-2025 https://gamma.videonest.org/gWgU1UbON5U_thumbnail_resized_v2.webp https://gamma.videonest.org/gWgU1UbON5U_video_v3_converted.mp4 Amex Gold Card vs. Chase Sapphire Preferred (NEW 2025) To get 50% off your first order of CookUnity meals, go to https://cookunity.yt.link/hTkLw6o and use my code REESE50. CookUnity connects you with top chefs from across the US, delivering their signature dishes fresh to your door. With hundreds of meals to choose from, there’s something for everyone! The Amex Gold Card and Chase Sapphire Preferred are 2 excellent travel credit cards, but they can fit into your life very differently (or not at all). Both credit cards earn excellent rewards for travel (Amex Membership Rewards points and Chase Ultimate Rewards points), they have a strong return on Dining (4X vs. 3X) and offer an array of insurance protections for travel and retail. But the question many of us face is, “Which card is better? The Amex Gold Card? The Chase Sapphire Preferred?” And for some people, the answer may be, “BOTH!” (Although getting both currently means paying $325 + $95 = $420 in annual fees, so we first need to make sure there’s more value than that per year to justify them). This video will compare both credit cards so you can better determine if one, both, or neither are worth a place in your wallet. TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:56 - Welcome Offers & Annual Fees 3:46 - Earn Points 7:54 - Redeem Points 9:31 - Main Benefits 11:56 - Out of Pocket Cost 12:50 - Transfer Partners (Airlines) 13:49 - Transfer Partners (Hotels) 15:27 - Travel Insurance 16:20 - Retail Protections 17:21 - Final Score 17:56 - Which One to Get Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #travelcreditcards 2025-07-23T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/743544/this-amex-gold-card-hack-is https://gamma.videonest.org/743544_thumbnail_resized_v2.webp https://gamma.videonest.org/743544_video_v3_converted.mp4 This Amex Gold Card HACK Is 🔥🔥🔥 The Amex Gold Card comes with an $84 Dunkin’ Credit, issued as up to $7 per month in statement credits that DON’T roll over. However, if you use this Amex Gold Card hack / trick, then you CAN store up those $7 monthly credits to get a larger balance. This is super useful if you don’t go to Dunkin’ every month (it’s nice to have a larger balance for when you travel, too, and use Dunkin’ on the go)! Hopefully this will make one of the main Amex Gold Card benefits more useful to you. Give it a try and let me know if it works for you! 2025-07-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/812594/its-here-citi-strata-elite-full-details https://gamma.videonest.org/812594_thumbnail_resized_v2.webp https://gamma.videonest.org/812594_video_v3.mp4 IT’S HERE: Citi Strata Elite (FULL DETAILS) The Citi Strata Elite is the NEW competitor to the Amex Platinum, Chase Sapphire Reserve, and Capital One Venture X! Learn about all the details in this first look video! Click “Show More” to see Ad Disclosure. 📝 PRESS RELEASE: Citi Launches the Citi Strata Elite Credit Card https://www.citigroup.com/global/news/press-release/2025/citi-launches-citi-strata-elite-credit-card 📝 THE POINTS GUY: Citi Strata Elite: Citi finally adds a premium travel card — was it worth the wait? https://thepointsguy.com/news/citi-strata-elite-launch/ 📝 THE POINTS GUY: Citi adds American Airlines as a 1:1 transfer partner, offers Admirals Club passes on brand-new card https://thepointsguy.com/news/citi-american-airlines-transfer-partner/ 📝 MARKETWATCH: Citi’s new Strata Elite credit card has a $595 annual fee. Here’s how its perks stack up against the competition. https://www.marketwatch.com/story/citis-new-strata-elite-credit-card-has-a-595-annual-fee-heres-how-its-perks-stack-up-against-the-competition-4298975a 📝 YAHOO FINANCE: Citigroup enters credit card perk wars with $595 annual fee for Strata Elite https://finance.yahoo.com/news/citigroup-enters-credit-card-perk-wars-with-595-annual-fee-for-strata-elite-130039556.html 📝 WALL STREET JOURNAL: Citi Rolls Out a New Premium Card in Fight for Affluent Customers | With a $595 annual fee, the Strata Elite will compete with the Chase Sapphire Reserve and American Express Platinum https://www.wsj.com/finance/banking/citi-rolls-out-a-new-premium-card-in-fight-for-affluent-customers-e3b106c4 Citi has launched the new Citi Strata Elite Credit Card, a premium offering designed for high rewards on travel and dining, along with valuable lifestyle benefits. Key features include: Rewards Structure: 12x points on hotels, car rentals, and attractions booked through Citi Travel. 6x points on air travel booked through Citi Travel. 6x points at restaurants on Friday and Saturday evenings between 6 PM - 6 AM ET. 3x points at restaurants at other times. 1.5x points on all other purchases. Annual Fee = $595 (discounts available for Citigold and Citigold Private Client) Annual Value and Benefits: The card aims to provide nearly $1,500 in annual value through flexible benefits, including: Up to $300 annual hotel benefit. Up to $200 annual "Splurge Credit" for select brands (e.g., American Airlines, Best Buy, Live Nation, others). Up to $200 annual Blacklane credit. Global Entry or TSA PreCheck application fee credit. American Airlines Integration: 4 Admirals Club passes annually. Ability to transfer ThankYou Points to American Airlines AAdvantage miles. Additional Perks: Complimentary Priority Pass Select membership. Access to The Reserve by Citi Travel for enhanced hotel stays. No foreign transaction fees. Access to Citi Entertainment and Mastercard's new World Legend benefits. TOP CREDIT CARD OFFERS 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #travelcreditcards 2025-07-28T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/889863/the-only-3-credit-card-strategies-that-actually-matter https://gamma.videonest.org/889863_thumbnail_resized_v2.webp https://gamma.videonest.org/889863_video_v3.mp4 The Only 3 Credit Card Strategies That ACTUALLY Matter Sign up for the Gemini Credit Card: https://Gemini.com/markreese. This video is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The Gemini Credit Card is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates & Fees: gemini.com/legal/cardholder-agreement Some exclusions apply to instant rewards; these are deposited when the transaction posts. 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas, EV charging, and transit purchases that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement Checking if you’re eligible will not impact your credit score. If you’re eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. -------- There are MANY credit card strategies. You can use the Chase Trifecta to earn Chase Ultimate Rewards points, the Amex Trifecta to earn Amex Membership Rewards points, the Capital One Duo, or a mix of many different cards. Each one can be good for certain people, but broadly speaking, there are only 3 credit card strategies I think we should focus on. Learn what they are in this video so you can pick the best credit cards for you, be it for travel, cash back, crypto, or something else. TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:36 - Strategy 1 6:58 - Strategy 2 10:29 - Strategy 3 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #GeminiCreditCard #CryptoRewards #creditcards 2025-07-31T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/889864/citi-strata-elite-revealed https://gamma.videonest.org/889864_thumbnail_resized_v2.webp https://gamma.videonest.org/889864_video_v3.mp4 Citi Strata Elite REVEALED!💥 Citi has launched the new Citi Strata Elite Credit Card, a premium offering designed for high rewards on travel and dining, along with valuable lifestyle benefits.   📝 Press Release:  https://www.citigroup.com/global/news/press-release/2025/citi-launches-citi-strata-elite-credit-card   Key features include:   Rewards Structure: 12x points on hotels, car rentals, and attractions booked through Citi Travel. 6x points on air travel booked through Citi Travel. 6x points at restaurants on Friday and Saturday evenings between 6 PM - 6 AM ET. 3x points at restaurants at other times. 1.5x points on all other purchases.   Annual Fee = $595 (discounts available for Citigold and Citigold Private Client)   Annual Value and Benefits: The card aims to provide nearly $1,500 in annual value through flexible benefits, including: Up to $300 annual hotel benefit. Up to $200 annual "Splurge Credit" for select brands (e.g., American Airlines, Best Buy, Live Nation, others). Up to $200 annual Blacklane credit. Global Entry or TSA PreCheck application fee credit.   American Airlines Integration: 4 Admirals Club passes annually. Ability to transfer ThankYou Points to American Airlines AAdvantage miles.   Additional Perks: Complimentary Priority Pass Select membership. Access to The Reserve by Citi Travel for enhanced hotel stays. No foreign transaction fees. Access to Citi Entertainment and Mastercard's new World Legend benefits.   #creditcards #pointsandmiles #creditcardpoints #crediteducation 2025-07-31T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/934777/3-ways-to-earn-amex-points-fast-part-1 https://gamma.videonest.org/934777_thumbnail_resized_v2.webp https://gamma.videonest.org/934777_video_v3_converted.mp4 3 Ways to Earn Amex Points FAST💥 (Part 1) Want to earn Amex Points quickly? Here are 3 proven methods to do exactly that. 1. Amex Pay Over Time Offers 2. Rakuten (change your settings from cash back to Amex Membership Rewards points) 3. Amex Offers As you’ll learn in the video, getting tons of Amex credit cards isn’t required to earn a ton of points fast. Rather, paying attention to other partnerships and opportunities within the broader rewards program can be a huge help. 💥👇 Get Rakuten $30 / 3,000 Amex Points Offer! https://markscreditcards.com/rakuten Spend requirement & terms apply. This was Part 1 of the series. Follow for Part 2 (coming soon)! #creditcards #amex #americanexpress #pointsandmiles #creditcardpoints #crediteducation 2025-08-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/963678/this-priority-pass-is-crazy-chase-sapphire-reserve https://gamma.videonest.org/xpClfpAocx8_thumbnail_resized_v2.webp https://gamma.videonest.org/xpClfpAocx8_video_v3_converted.mp4 This Priority Pass is CRAZY 👀 (Chase Sapphire Reserve) The Chase Sapphire Reserve Priority Pass card is CRAZY! It works so differently than the other Priority Pass cards on other travel credit cards (like the Amex Platinum Card, Capital One Venture X, and others). First of all, make sure you activate your Priority Pass membership via the Chase app. Next, you DO NOT need to create a separate Priority Pass account anymore. In previous years, this was required so you could log into the Priority Pass app to get your digital membership card, browse lounge locations by airport, and more. Now, everything is done inside the Chase app! Watch the video to learn how! #creditcards #prioritypass #airportlounge #chasesapphire #sapphirereserve #pointsandmiles #creditcardpoints #crediteducation 2025-08-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/965885/chase-sapphire-reserve-ultimate-guide-to-every-benefit https://gamma.videonest.org/i4Kjv4Ulg8k_thumbnail_resized_v2.webp https://gamma.videonest.org/i4Kjv4Ulg8k_video_v3_converted.mp4 Chase Sapphire Reserve: ULTIMATE GUIDE to Every Benefit Is your data at risk? Protect yourself with today’s sponsor, Aura at https://aura.com/markreese to get a 14-day free trial. That’s enough time for Aura to start scrubbing your personal info to get it removed from data broker sites. Then get a rundown of the main benefits of the new Chase Sapphire Reserve! Click “Show More” to see Ad Disclosure. The Chase Sapphire Reserve updates were MASSIVE! The travel credit card’s annual fee went from $550 to $795, the reward categories were changed, and the number of benefits increased in a big way. Discover everything you need to know about the updated Chase Sapphire Reserve, now loaded with even more premium perks for travelers and broader lifestyle enthusiasts who enjoy eating out, entertainment, and more. This video breaks down all the new main benefits—from enhanced earning rates and luxury travel credits to exclusive dining experiences and entertainment rewards—that come alongside the increased $795 annual fee. Whether you’re a longtime cardholder or considering applying, learn how the refreshed Sapphire Reserve aims to deliver over $2,700 in value each year, and find out if it’s still the ultimate card for you. TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:33 - Welcome Offer 1:11 - Earn Points 2:09 - Redeem Points 4:26 - Transfer Partners 4:42 - Main Benefits (Enrollment) 5:53 - $300 Travel Credit 7:02 - $500 The Edit Credit 8:03 - $300 Dining Credit 9:21 - Apple TV+, Apple Music 12:45 - $120 DashPass Membership 13:47 - $300 DoorDash Credit 14:59 - $300 StubHub Credit 15:34 - $120 Lyft Credit 16:46 - $120 Peloton Credit 17:39 - $500 Southwest Credit ($75K Spend) 18:10 - $250 Shops At Chase Credit ($75K Spend) 19:11 - $120 Global Entry, TSA PreCheck, NEXUS Credit 19:39 - Chase Sapphire Lounge by The Club 20:29 - Priority Pass (incl. Activation / Enrollment) 22:55 - Air Canada Maple Leaf Lounges 23:31 - IHG Platinum Elite Status 24:07 - IHG Diamond Elite Status ($75K Spend) 24:20 - Southwest A-List Status ($75K Spend) 24:45 - Visa Infinite Rental Car Privileges (Avis, Hertz, National) 25:21 - Reserve Travel Designers 25:45 - Sapphire Reserve Experiences 26:20 - No Foreign Transaction Fees 26:30 - Concierge Service 26:54 - Travel Protections 27:24 - Retail Protections 27:31 - The Big Question Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #bestcreditcards 2025-08-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/991817/100percent-confirmed-amex-platinum-card-biggest-refresh-in-history https://gamma.videonest.org/t4_t_h9au4k_thumbnail_resized_v2.webp https://gamma.videonest.org/t4_t_h9au4k_video_v3.mp4 100% CONFIRMED: Amex Platinum Card Biggest Refresh in History The Amex Platinum Card is getting MAJOR CHANGES in 2025, including a new $600 credit! Learn what we know so far before the new launch! Click “Show More” to see Ad Disclosure. The rumored Amex Platinum $600 Hotel Credit would be issued as two $300, semiannual credits (i.e. Up to $300 January - June and another $300 July - December) each year. It would be valid for Amex Fine Hotels & Resorts hotels as well as Amex’s ‘The Hotel Collection.’ The American Express Platinum Card will likely get additional new benefits along with an increased annual fee. The current rumors are $895, though I could also see $995 being a possibility. 📝 PRESS RELEASE - American Express Announces Major Updates Coming to U.S. Consumer and Business Platinum Cards® Later This Year: https://www.americanexpress.com/en-us/newsroom/articles/products-and-services/american-express-announces-major-updates-coming-to-u-s--consumer.html 📝 DOCTOR OF CREDIT - American Express Planning Platinum Refresh – Card With ‘Mirror Finish’: https://www.doctorofcredit.com/rumor-american-express-planning-platinum-refresh-card-with-mirror-finish/ 📝 THRIFTY TRAVELER - Amex Leaks Huge Hotel Credit Ahead of Platinum Card Refresh Next Month: https://thriftytraveler.com/news/credit-card/amex-platinum-update-hotel-credit/ 📝 FLYERTALK - Rumor: Amex Plat benefit refresh and $895 AF!!: https://www.flyertalk.com/forum/american-express-membership-rewards/2189566-rumor-amex-plat-benefit-refresh-895-af.html TOP CREDIT CARD OFFERS 🏨 Get MaxFHR! https://markscreditcards.com/maxfhr 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #creditcards 2025-08-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1058943/new-amex-platinum-card-revealed https://gamma.videonest.org/1058943_thumbnail_resized_v2.webp https://gamma.videonest.org/1058943_video_v4.mp4 NEW Amex Platinum Card REVEALED 😮 The all new American Express Platinum Card is made out of a stainless-steel material and appears to have a mirror-like finish. The American Express Centurion logo is familiar, the edges of the credit card appear to be slightly raised or indented, and many of the details look to be laser etched or engraved. If I were to guess, the new Amex Platinum Card refresh will be the heaviest version yet! 20g perhaps? Time will tell as the countdown to the relaunch is almost over!   👀 Amex Post on TikTok: https://www.tiktok.com/t/ZT6WvdXkY/   👀 Amex Post on IG: https://www.instagram.com/reel/DOL625qDBaw/   #creditcards #amexplatinum #amex #americanexpress #pointsandmiles 2025-09-04T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1058944/amex-is-losing-so-bad-it-hurts https://gamma.videonest.org/1058944_thumbnail_resized_v2.webp https://gamma.videonest.org/1058944_video_v4.mp4 Amex Is Losing So Bad, It Hurts. To learn for free on Brilliant, go to https://brilliant.org/MarkReese/, scan the QR code onscreen, or click on the link in the description. Brilliant’s also given our viewers 20% off an annual Premium subscription, which gives you unlimited daily access to everything on Brilliant. Click “Show More” to see Ad Disclosure. American Express has some problems with their credit cards, and that can seem strange to say because Amex credit cards are some of the best you can get (especially if you like travel credit cards). One big issue is redeeming Amex Membership Rewards points via the Amex Travel portal; many of the values you get for your points are bad (and they often vary a lot, making it confusing). Another issue is that there isn’t a downgrade path for the main Amex cards that results in a $0 annual fee. You can downgrade from the Amex Platinum Card to the Amex Gold Card, and even lower to the Amex Green Card, but that Green Card still has a current annual fee of $150. Unfortunately, the only way out of that fee is to cancel the card entirely. In total, we’ll explore 7 disadvantages to the Amex credit card program. I’ll also propose my solutions on how to fix them. TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #creditcards 2025-09-03T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1058945/amex-platinum-dollar300-lululemon-credit-big-rumor https://gamma.videonest.org/1058945_thumbnail_resized_v2.webp https://gamma.videonest.org/1058945_video_v4.mp4 Amex Platinum $300 Lululemon Credit?! 🤯 (BIG RUMOR) Amex Platinum $300 Lululemon Credit?! 🤯 (RUMOR) How would you feel if the Amex Platinum Card came with a $300 Lululemon credit AND a $400 Resy credit? According to a post on Reddit (link below), this could become a reality (though as of 8.29.2025 it’s 100% a rumor). I personally think there could be some substance to this in some form. Here’s why… First of all, the Amex Platinum Card will be getting a HUGE update in Fall 2025 (see my other video about that). Second, American Express acquired Resy in 2019. Third, the Amex Gold Card already has a $100 Resy Credit issued as $50 January thru June and another $50 July thru December, so it would make sense that the more premium Amex Platinum Card would offer a higher Resy credit. Fourth, we’ve seen Amex Offers for Lululemon on a variety of Amex credit cards over the years, which makes me wonder if those were early tests for something more permanent. What do you think? Comment below! 🔗Reddit Rumor Post: https://www.reddit.com/r/amex/comments/1n2ubs0/rumor_plat_refresh_400_resy_and_300_lululemon #creditcards #amexplatinum #amex #americanexpress #pointsandmiles 2025-08-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1058946/the-1-amex-platinum-card-trick-you-need-to-know https://gamma.videonest.org/1058946_thumbnail_resized_v2.webp https://gamma.videonest.org/1058946_video_v4.mp4 The 1 Amex Platinum Card TRICK You NEED to Know There is 1 HUGE Amex Platinum Card HACK you need to know (it will allow you to use one of the best benefits so much easier!) Click “Show More” to see Ad Disclosure. The American Express Platinum Card has more benefits and credits to use each year than any other travel credit card I can think of. For some people, certain benefits will be more useful than others - regardless, you should be able to use enough of them to justify the annual fee. One of the benefits in particular (the Amex Platinum $200 Hotel Credit, soon to become the Amex Platinum $600 Hotel Credit) should be super useful for just about anyone, but the restrictions prevent that. Unfortunately, it’s only valid on prepaid hotels participating in Amex’s ‘The Hotel Collection’ or Amex Fine Hotels & Resorts (both of which are part of the Amex Travel portal). However, this little-known hack will make using the Amex Platinum $200 Hotel Credit (and Amex Platinum $600 Hotel Credit) a lot easier, whether you want to book a simple weekend getaway or a full vacation. TOP CREDIT CARD OFFERS 🏨 Get MaxFHR! https://markscreditcards.com/maxfhr 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #creditcards 2025-08-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1058947/bank-of-america-slaps-airline-credit-cards-new-atmos-summit-card https://gamma.videonest.org/1058947_thumbnail_resized_v2.webp https://gamma.videonest.org/1058947_video_v4.mp4 Bank of America SLAPS Airline Credit Cards (NEW Atmos Summit Card) The ALL NEW Atmos Rewards Summit Visa Infinite Card is here, and it might be the best airline credit card of all time. Learn about the rewards, benefits, and more! Click “Show More” to see Ad Disclosure. Alaska Airlines and Hawaiian Airlines have merged, and out of that merger comes the new Atmos Rewards program. Along with that, a new premium travel credit card was released with incredible benefits, including rewards abroad, lounge access, credits when flights are delayed, and much more. 📝 PRESS RELEASE | Bank of America | Alaska Airlines and Bank of America present a new premium credit card designed for global travelers, the Atmos™ Rewards Summit Visa Infinite® card: https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/08/alaska-airlines-and-bank-of-america-present-a-new-premium-credit.html 📝 CNBC - Alaska Airlines launches $395 credit card in premium travel race, combines loyalty program with Hawaiian: https://www.cnbc.com/2025/08/20/alaska-airlines-credit-card-atmos-frequent-flyer-program.html 📝 Atmos Summit Card Benefits (View All): https://www.alaskaair.com/atmosrewards/content/credit-cards/benefits/visa-summit?srsltid=AfmBOoozRHyANtjO-MshMhFYwagmnRnM339QDn9fWdtbRUbubp9RdW_Z 📝 The Points Guy - “Atmos Rewards Summit Visa Infinite Credit Card review: The best card for purchases abroad”: https://thepointsguy.com/credit-cards/reviews/atmos-rewards-summit-card-review/ 💎 ATMOS REWARDS STATUS TIERS & MILESTONES: https://www.alaskaair.com/atmosrewards/content/benefits?srsltid=AfmBOoqjc5pieuTRnMCvu181EcYWX2-oFke1q8H4oArhRdwYbqMqxCsO TOP CREDIT CARD OFFERS 🏨 Get MaxFHR! https://markscreditcards.com/maxfhr 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #creditcards 2025-08-21T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1058948/best-cheap-flights-hack-and-hotels https://gamma.videonest.org/1058948_thumbnail_resized_v2.webp https://gamma.videonest.org/1058948_video_v4.mp4 Best Cheap Flights Hack 🔥 (AND hotels!) If you want to save money on flights and hotels, then check out Thrifty Traveler. It’s one of the best ways to find the flight deals around the globe (and hotels, too, at the top level). Once you become a member, you’ll get alerts on cheap fares, rare mistake fares, and award travel opportunities using points and miles (based on the tier you choose). With Thrifty Traveler Premium, you’ll also get business and first-class flight deals. The top Premium+ tier includes hotel award deals, too. But the biggest benefit is how easily you can save hundreds (or thousands) of dollars on flights and/or hotels each year, making it possible to travel more often without stretching your budget. 💥👇 Get 40% Off Thrifty Traveler (Aug. 20-22, 2025!) https://markscreditcards.com/thriftytraveler 💥👇 Get $20 Off Thrifty Traveler (All Year Long!) https://markscreditcards.com/thriftytraveler #cheapflights #flightdeals #hoteldeals #pointsandmiles #cheaptravel 2025-08-20T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1058949/major-amex-platinum-changes-coming-in-2025 https://gamma.videonest.org/1058949_thumbnail_resized_v2.webp https://gamma.videonest.org/1058949_video_v4.mp4 MAJOR Amex Platinum Changes Coming in 2025 👀 MAJOR Amex Platinum Changes Coming in 2025 👀 (including a new $600 credit!) Learn what we know so far before the new launch! The rumored Amex Platinum $600 Hotel Credit would be issued as two $300, semiannual credits (i.e. Up to $300 January - June and another $300 July - December) each year. It would be valid for Amex Fine Hotels & Resorts hotels as well as Amex’s ‘The Hotel Collection.’ The American Express Platinum Card will likely get additional new benefits along with an increased annual fee. The current rumors are $895, though I could also see $995 being a possibility. 📝 PRESS RELEASE - American Express Announces Major Updates Coming to U.S. Consumer and Business Platinum Cards® Later This Year: https://www.americanexpress.com/en-us/newsroom/articles/products-and-services/american-express-announces-major-updates-coming-to-u-s--consumer.html 2025-08-17T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1058950/is-this-the-best-amex-platinum-benefit-i-vote-yes https://gamma.videonest.org/1058950_thumbnail_resized_v2.webp https://gamma.videonest.org/1058950_video_v4.mp4 Is This the BEST Amex Platinum Benefit? (I vote yes.) IT’S OFFICIAL: This 1 Amex Platinum Card benefit stands above all the others as the most useful in our day-to-day lives. Learn what it is and how you can use it to your advantage! Click “Show More” to see Ad Disclosure. I’ve had my Amex Platinum Card for around 7 years now. After using the airport lounge access to Amex Centurion Lounges and Priority Pass, earning 5X Membership Rewards points on airfare, and using a handful of other benefits to offset the annual fee, I’ve come to appreciate one benefit in particular. Once you unpack it, you’ll realize it’s actually a bunch of great benefits all bundled together, most of which can benefit you in your daily life. TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #creditcards 2025-08-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1121507/are-you-crazy-for-getting-the-new-amex-platinum-card https://gamma.videonest.org/1121507_thumbnail_resized_v2.webp https://gamma.videonest.org/1121507_video_v4.mp4 Are You CRAZY for Getting the New Amex Platinum Card? American Express announced MAJOR updates to its consumer Amex Platinum Card, making it possible to get over $3,500 in value each year while paying an $895 annual fee. The new Amex Platinum Card now comes with an enhanced $600 Hotel Credit, a new $400 Resy Credit, expanded $300 Digital Entertainment Credit, $300 lululemon Credit, a $120 Uber One Membership Credit, a $200 Oura Credit, elite status with The Leading Hotels of the World, and much more. All of the previous Amex Platinum Card benefits remain intact while the new benefits were added on top. Moreover, you can now select an Amex Platinum mirror design, which is available on a limited basis for now. 📝 PRESS RELEASE - American Express - There’s Nothing Like Platinum™: American Express Unveils Updated U.S. Consumer and Business Platinum Cards, Each with Over $3,500 in Annual Value: https://www.americanexpress.com/en-us/newsroom/articles/products-and-services/there-s-nothing-like-platinum---american-express-unveils-updated.html 📝 CNBC - American Express unveils refreshed Platinum card with $895 annual fee, upping the ante in luxury cards: https://www.cnbc.com/2025/09/18/american-express-platinum-card-refresh-895-fee-3500-perks.html 📝 Business Insider - Amex raised the fee on its Platinum Card to $895. People seem to love it still: https://www.businessinsider.com/amex-platinum-card-american-express-fee-worth-it-perks-2025-9 TOP CREDIT CARD OFFERS 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #creditcards 2025-09-19T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1121508/leaked-new-amex-platinum-card-benefit-details https://gamma.videonest.org/1121508_thumbnail_resized_v2.webp https://gamma.videonest.org/1121508_video_v4.mp4 LEAKED! New Amex Platinum Card Benefit Details! New Amex Platinum Card details have been leaked! The annual fee is going up to $895 and additional benefits are being added and expanded! Click “Show More” to see Ad Disclosure. It looks like the Amex Platinum Card revamp will still earn 5X Points on Flights (booked directly or via the Amex Travel portal) and on Hotels (booked via the Amex Travel portal only). The Amex Global Lounge Collection will also remain as is, providing access to over 1,550 airport lounges (including Amex Centurion Lounges, Priority Pass lounges, Delta Sky Clubs, and more). As for the credits, there looks to be a $400 Resy Credit ($100/quarter of the year), a $600 Hotel Credit (issued semiannually, so $300 every 6 months), $200 of Uber Cash, and $120 towards an Uber One membership. Additional details have yet to be confirmed. Though with the official launch day of September 18, 2025, we won’t have to wait long! 📝 DOCTOR OF CREDIT (Personal Platinum) - [Leaked] American Express Consumer Platinum Refresh Details – $895 Annual Fee, New Credits & More: https://www.doctorofcredit.com/leaked-american-express-consumer-platinum-refresh-details-895-annual-fee-new-credits-more/ 📝 DOCTOR OF CREDIT (Business Platinum) - [Leaked] American Express Business Platinum Refresh Details – $895 Annual Fee, New Credits & More: https://www.doctorofcredit.com/leaked-american-express-business-platinum-refresh-details-895-annual-fee-new-credits-more/ 📝 PRESS RELEASE - American Express Announces Major Updates Coming to U.S. Consumer and Business Platinum Cards® Later This Year: https://www.americanexpress.com/en-us/newsroom/articles/products-and-services/american-express-announces-major-updates-coming-to-u-s--consumer.html TOP CREDIT CARD OFFERS 🏨 Get MaxFHR! https://markscreditcards.com/maxfhr 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #creditcards 2025-09-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1121509/new-amex-platinum-launching-9182025 https://gamma.videonest.org/1121509_thumbnail_resized_v2.webp https://gamma.videonest.org/1121509_video_v4.mp4 🚀 NEW Amex Platinum Launching 9.18.2025 The new American Express Platinum Card is launching on Thursday, September 18, 2025! So far all we know is that it will be a metal credit card that likely has a higher annual fee. Rumored benefits include a higher $600 Hotel Credit to be used towards Amex Fine Hotels & Resort and Amex’s ‘The Hotel Collection, a $300 lululemon credit, and a $400 Resy credit. Will these Amex Platinum benefits become a real thing? We’ll know in 6 days from this post! 👇 Comment below which benefit you most want to see on the new Amex Platinum Card! 2025-09-12T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1121510/earn-dollar50-or-5000-amex-points-with-best-rakuten-bonus-ever https://gamma.videonest.org/1121510_thumbnail_resized_v2.webp https://gamma.videonest.org/1121510_video_v4.mp4 🤑 Earn $50 or 5,000 Amex Points with BEST Rakuten Bonus EVER! For a limited time, you can earn $50 cash back or 5,000 Amex Points when you join Rakuten and spend $50 in your first 90 days! 💥👇 Join Rakuten & Get $50 here: https://markscreditcards.com/rakuten What’s Rakuten? It’s one of the easiest ways to get rewarded for the shopping you already do. Rakuten partners with THOUSANDS of retailers, including Walmart and Target to Best Buy, Nike, Sephora, and more. When you start your shopping trip through Rakuten, you earn cash back or Amex Membership Rewards points on every purchase. Best of all, the rewards are on top of what you earn with your credit card (and if you have any Amex Offers, those stack, too)! 🤑How to get your $50 Bonus… 1️⃣ Create a free account using the link below 2️⃣ Spend $50 or more within your first 90 days 3️⃣ Get your $50 bonus (or 5,000 Amex Points if you change your account settings) It’s like free money as a rebate for shopping where you already shop. Don’t miss this limited-time offer! 💥👇 Join Rakuten & Get $50 here: https://markscreditcards.com/rakuten Disclosure: The link above is my referral link, which allows me to earn a small commission when people use it to sign up and meet the offer requirements. Using the link does not cost you anything and is optional to use but hugely appreciated if you do. The offer mentioned above is for a limited time only and may change or expire at any time. #Rakuten #cashback #amex #creditcards #deals 2025-09-10T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1123454/capital-one-has-lost-it-new-rules-or-strategy https://gamma.videonest.org/1123454_thumbnail_resized_v2.webp https://gamma.videonest.org/1123454_video_v4.mp4 Capital One Has LOST IT! (New Rules or Strategy?) Thanks to GoDaddy for sponsoring this video! Head to https://godaddy.yt.link/vu1frG4 to get started with GoDaddy Airo® today. Click “Show More” to see Ad Disclosure. Capital One has gone CRAZY. In fact, I’m not quite sure what to make of this. I applied for a Capital One credit card, got denied, but then got approved for a similar (and totally unexpected) card via a different method. And the credit limit was great, too! Part of me thinks this had something to do with credit bureau freezes, yet the other part of me thinks some other factors were at play as well (especially given the Capital One credit card that I actually got approved for). 🎬 If you didn’t see my previous video about the Capital One Savor One application experience, you can see that one here: https://www.youtube.com/watch?v=_SyJGPKKiE8 TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #capitalone #creditcard 2025-09-25T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1124607/4-ways-to-earn-amex-points-fast-part-2 https://gamma.videonest.org/1124607_thumbnail_resized_v2.webp https://gamma.videonest.org/1124607_video_v4.mp4 4 Ways to Earn Amex Points FAST💥 (Part 2) Want to earn Amex Points quickly? Follow these steps! 1. Referrals. You can get your own referral link from the Amex app or online account and earn Amex Membership Rewards points - assuming the card you already have earns those points - when someone you refer uses your link and gets approved. 2. Welcome Offers. There’s no faster way to earn Amex points than a big signup bonus! Just make sure you can meet the spend requirement with your natural spend. The Amex Green Card, Amex Gold Card, and Amex Platinum Card all have their own offers, and you can get a bonus on each one if you get them in that order (lowest annual fee to highest). 3. Authorized User Offers. Look out for targeted AU offers in your emails, online account, etc. If you get one, you can earn points by adding another user to your Amex card account and having them meet the spend requirement. 4. Upgrade Offers. Amex may target you to upgrade from a lower tier card (e.g. Amex Gold Card) to a higher tier card (e.g. Amex Platinum Card) and earn bonus points after meeting a spend requirement. As you’ll learn in the video, getting tons of Amex credit cards isn’t required to earn a ton of points fast. Rather, paying attention to other partnerships and opportunities within the broader rewards program can be a huge help. 🎬 Part 1: https://youtube.com/shorts/aUj3D4_1zXY?feature=share #creditcards #amex #americanexpress #pointsandmiles #creditcardpoints #crediteducation 2025-09-26T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1319825/marriott-bonvoy-brilliant-real-world-review https://gamma.videonest.org/1319825_thumbnail_resized_v2.webp https://gamma.videonest.org/1319825_video_v4.mp4 Marriott Bonvoy Brilliant: REAL WORLD REVIEW To learn for free on Brilliant, go to https://brilliant.org/MarkReese/, scan the QR code onscreen, or click on the link in the description. Brilliant’s also given our viewers 20% off an annual Premium subscription, which gives you unlimited daily access to everything on Brilliant. Then, watch me put the main benefits of the Marriott Bonvoy Brilliant Card to the test in the REAL WORLD, including the $300 Dining Credit, Platinum Elite Status, Priority Pass, and more! I’ll teach you step-by-step how they work so you can easily maximize the value of your Marriott Bonvoy Brilliant Card. Click “Show More” to see Ad Disclosure. 🎬 VIDEO LINKS 🌎✈️ LUXE TRAVEL PRO | VIP Benefits (incl. Marriott STARS, Marriott Luminous) https://luxetravelpro.com 🔗 Marriott Bonvoy Brilliant Earned Choice Award info: https://choice-benefit.marriott.com/brilliant/en-us 🔗 Global Entry Enrollment: http://globalentry.gov 🔗 TSA Precheck Enrollment: http://tsa.gov/precheck TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:23 - $300 Dining Credit 1:33 - Free Night Award 6:07 - Platinum Elite Status 15:07 - 25 Elite Night Credits 17:08 - Earned Choice Award 18:27 - Priority Pass Select 21:50 - Global Entry / TSA Precheck Credit 22:44 - $100 Property Credit 29:02 - Rewards Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #creditcards #marriott #marriottbonvoy 2025-09-29T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1366719/new-amex-platinum-has-crazy-benefits https://gamma.videonest.org/1366719_thumbnail_resized_v2.webp https://gamma.videonest.org/1366719_video_v4.mp4 👀 New Amex Platinum Has CRAZY Benefits! 🤑 New Amex Platinum Has CRAZY Benefits! It now costs $895 per year, but it’s possible to get over $3,500 in value each year for that fee. The new Amex Platinum Card now comes with an enhanced $600 Hotel Credit, a new $400 Resy Credit, expanded $300 Digital Entertainment Credit, $300 lululemon Credit, a $120 Uber One Membership Credit, a $200 Oura Credit, elite status with The Leading Hotels of the World, and much more. All of the previous Amex Platinum Card benefits remain intact while the new benefits were added on top. Moreover, you can now select an Amex Platinum mirror design, which is available on a limited basis for now. 📝 PRESS RELEASE - American Express - There’s Nothing Like Platinum™: American Express Unveils Updated U.S. Consumer and Business Platinum Cards, Each with Over $3,500 in Annual Value: https://www.americanexpress.com/en-us/newsroom/articles/products-and-services/there-s-nothing-like-platinum---american-express-unveils-updated.html 👇 Comment below which benefit you most want to see on the new Amex Platinum Card! #creditcards #amexplatinum #amex #americanexpress #pointsandmiles 2025-10-01T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1401635/amex-platinum-mirror-unboxing https://gamma.videonest.org/1401635_thumbnail_resized_v2.webp https://gamma.videonest.org/1401635_video_v4.mp4 Amex Platinum MIRROR Unboxing 👀💎 The Amex Platinum MIRROR card is HERE…and it’s the most beautiful credit card I’ve ever seen! Here’s the full unboxing video, weight test, drop test, and comparison to other Amex Platinum Card designs. Click “Show More” to see Ad Disclosure. The Amex Platinum mirror card weighs the same as the previous versions at 17g and it’s still a metal credit card. Now, with the new Amex Platinum changes complete at a higher $895 annual fee, there are more benefits than ever to take advantage of, including: a $600 Hotel Credit, $200 Uber Cash benefit that now adds an additional $120 towards an Uber One membership, a $400 Resy Credit, $300 Digital Entertainment Credit that has been expanded to include new options (plus a higher $25/mo. maximum), $300 lululemon Credit, $200 Oura Ring Credit, and MUCH MORE. TOP CREDIT CARD OFFERS 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #amex #americanexpress 2025-10-07T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1402607/every-amex-platinum-card-weight-and-drop-test https://gamma.videonest.org/1402607_thumbnail_resized_v2.webp https://gamma.videonest.org/1402607_video_v4.mp4 EVERY Amex Platinum Card Weight & Drop Test💥 EVERY Amex Platinum Card Weight & Drop Test💥 I’m testing 6 versions of the Amex Platinum Card, including the original plastic design, the first generation metal credit card, second generation metal, 2 art designs, and the newest Amex Platinum mirror design! Each one will be weighed and dropped to see if anything has changed over the years. Which version of the American Express Platinum Card do you like best? Let me know in the comments below! #creditcards #amex #americanexpress #pointsandmiles #crediteducation 2025-10-09T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1408938/amex-platinum-card-look-rich-even-if-youre-not-full-review https://gamma.videonest.org/1408938_thumbnail_resized_v2.webp https://gamma.videonest.org/1408938_video_v4.mp4 Amex Platinum Card: Look Rich, Even If You’re Not (Full Review) Thank you to Function Health for sponsoring this video! Visit https://functionhealth.yt.link/tPcgKUa or use code MARKR100 at sign-up to own your health. The first 1000 get a $100 credit toward their membership. Then, now that the NEW Amex Platinum Card refresh is complete with TONS of new benefits, learn about them all in 1 place, from the rewards to the benefits and beyond. Click “Show More” to see Ad Disclosure. The American Express Platinum Card just got a major refresh, and it’s packed with new perks. Cardmembers now get a $600 annual hotel credit for Fine Hotels + Resorts and The Hotel Collection, a $400 dining credit through Resy, a $300 lululemon credit, and even $200 toward an Oura Ring. Plus, Amex boosted digital entertainment credits to $300, added Leaders Club Sterling hotel status, and introduced a sleek new mirror-finish card design. The annual fee has increased to $895, but with over $3,000 in total annual value, frequent travelers may still come out far ahead if their lifestyle coincides with what it offers. As is common with American Express, there are many terms and conditions to be aware of, so this video will be your in-depth Amex Platinum Card review and guide with all the essential info you need to determine if it’s worth applying for. VIDEO SPONSOR 👨‍⚕️👇 Function Health (use code: MARKR100): https://functionhealth.yt.link/tPcgKUa TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:30 - Welcome Offer 1:08 - Earn Points, Annual Fee 1:46 - Redeem Points 2:55 - Transfer Partners 3:21 - Credits (Travel) 6:55 - Credits (Dining, Entertainment) 8:23 - Credits (Shopping, Wellness) 12:20 - Benefits (Travel) 15:13 - Benefits (Dining, Entertainment) 17:23 - Benefits (Shopping, Other) 18:42 - Insurance & Protections (Travel, Retail) 19:21 - The Big Question Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #amex #americanexpress 2025-10-15T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1417074/the-best-way-to-redeem-amex-points https://gamma.videonest.org/1417074_thumbnail_resized_v2.webp https://gamma.videonest.org/1417074_video_v4.mp4 The BEST Way to Redeem Amex Points? 👀 Everyone says transfer partners are the best way to redeem Amex points for max value, but have you ever wondered why? This video explains why Amex Membership Rewards points are NOT a good value for most redemptions like cash back or even travel via the Amex Travel portal. The secret to using Amex points for max value is transfer partners because that redemption method has no fixed value. Instead, it’s variable, making it possible to get massive value for your points (especially on long-haul, international flights in a premium cabin like business class or first class).   #creditcards #amex #americanexpress #pointsandmiles #crediteducation 2025-10-18T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1422402/chase-is-sweating-bullets-and-they-know-it https://gamma.videonest.org/1422402_thumbnail_resized_v2.webp https://gamma.videonest.org/1422402_video_v4.mp4 Chase Is Sweating BULLETS (and they know it) Thanks to GoDaddy for sponsoring this video! Head to https://godaddy.yt.link/VXILBZL to get started with GoDaddy Airo® today. Click “Show More” to see Ad Disclosure. It looks like American Express is beating Chase…for now. The Amex Platinum Card refresh went incredibly well while the Chase Sapphire Reserve refresh seemed to have one problem after another. Click “Show More” to see Ad Disclosure. In the premium travel credit card market, both the Amex Platinum Card and the Chase Sapphire Reserve lead the way. Both cards received massive updates in 2025 (Sapphire Reserve in June, Amex Platinum in September), but the way each bank went about the updates was quite different. In fact, I’d say American Express won. The reasons for this are many, and they include Chase not having a super attractive welcome offer on the Sapphire Reserve during its relaunch, Chase adding new credit card application rules for both their Sapphire Preferred and Sapphire Reserve products (mainly consisting of the new ‘Chase Pop Up Jail’ message), a lot of chaos with their initial applications and Priority Pass benefit enrollment, and more. A couple of the changes from Chase were actually good - like the addition of a new $250 hotel credit for 2026 and making the existing $500 credit for The Edit hotels more flexible - but the fact that these occurred literally one day before the new Amex Platinum Card refresh took place felt like a desperate attempt to say, “Whatever American Express is about to do might be better, but we’re still good too and please don’t forget about us.” VIDEO SPONSOR 🌐 Get Started With GoDaddy Airo! https://godaddy.yt.link/VXILBZL TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:28 - Reason 1 4:13 - Reason 2 5:31 - Reason 3 9:01 - Reason 4 10:50 - Reason 5 13:35 - Reason 6 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #chasesapphire #americanexpress 2025-10-22T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1424003/easy-hack-to-get-business-credit-cards-without-a-business https://gamma.videonest.org/1424003_thumbnail_resized_v2.webp https://gamma.videonest.org/1424003_video_v5.mp4 EASY Hack to Get Business Credit Cards WITHOUT a Business 😮 EASY Hack to Get Business Credit Cards WITHOUT a Business 😮 It’s really simple…just apply for a business credit card as if you were applying for a personal credit card! You’ll still want to have a good to excellent credit score and some form of earning income outside of your day job. Watch me walk you through the business credit card application process step by step to show you how it works! #creditcards #smallbusinessowner #businesscredit #crediteducation #credittips 2025-10-24T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1436288/premium-credit-cards-will-wreck-you https://gamma.videonest.org/PPnDSZIjXGU_thumbnail_resized_v2.webp https://gamma.videonest.org/PPnDSZIjXGU_video_v4.mp4 Premium Credit Cards Will WRECK YOU Would you pay $895 for a credit card?? Premium / luxury credit cards can really hurt you financially if you’re not careful. Watch out for these 8 warning signs before it’s too late! Click “Show More” to see Ad Disclosure. VIDEO SPONSOR 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:34 - Warning 1 3:13 - Warning 2 4:38 - Warning 3 7:32 - Warning 4 9:59 - Warning 5 12:25 - Warning 6 15:14 - Warning 7 17:47 - Warning 8 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #creditcard #americanexpress 2025-10-30T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1446785/bilt-20-card-mortgages-rakuten-and-3-new-credit-cards https://gamma.videonest.org/1446785_thumbnail_resized_v2.webp https://gamma.videonest.org/1446785_video_v5.mp4 BILT 2.0 CARD: Mortgages, Rakuten, and 3 New Credit Cards! The Bilt 2.0 Credit Card is COMING SOON, allowing you to earn points on mortgages in addition to rent! There’s also a new major Bilt-Rakuten partnership that is a game changer for many! Click “Show More” to see Ad Disclosure. The Bilt Card 2.0 is Coming! Three New Cards, Mortgage Points, and Key Dates You Need to Know! Huge news for the rewards world! We're diving into the official announcement about the Bilt Card 2.0. Bilt will host a special event in early January 2026 to reveal the full details of all three new credit cards and the official launch of Bilt Card 2.0 is set for February 7th, 2026. The biggest news of all is that you will soon be able to earn points on ANY eligible residential mortgage payment (in addition to the apartment rent you’ve already been able to earn)! The Bilt 2.0 card will feature 3 distinct options to fit different needs, replacing the Wells Fargo Bilt Mastercard. You’ll be able to choose from a $0 annual fee option, a $95 annual fee option, and the top-tier premium option at $495. These new products will come with expanded benefits and features that have been developed in response to member feedback. What Does This Mean for Current Cardholders? If you currently have the Wells Fargo Bilt Mastercard, here’s what you need to know: - Card Retirement Date: Your current Wells Fargo Bilt Mastercard will retire on February 6th, 2026. You can continue using it as normal until that date. - Your Points are Safe: Your Bilt membership and Bilt Points balance remain completely unchanged regardless of whether you transition to the new program. - Seamless Transition: Existing cardholders will be able to select from one of the three new Bilt Card 2.0 products with a seamless transition and NO hard credit inquiry! You'll even be able to transfer your existing balance to the new account. - No Action Needed Right Now: You can continue using your card and earning points. Bilt will provide updates on selecting your new card in early 2026. 🔗👇 LINKS FROM THIS VIDEO 🔗 BILT CARD 2.0 TRANSITION | Q&A https://support.biltrewards.com/hc/en-us/articles/40834037331085-Bilt-Card-2-0-Program-Transition 🔗 BILT ELITE STATUS | REQUIREMENTS https://support.biltrewards.com/hc/en-us/articles/5536520671117-How-do-you-earn-Bilt-Elite-Status 🔗 BILT TRANSFER PARTNERS | AIRLINES & HOTELS https://www.biltrewards.com/rewards/partner?tab=flights 🔗 THE POINTS GUY | You can now earn Bilt Rewards points when shopping online through Rakuten https://thepointsguy.com/news/earn-bilt-points-rakuten/ 🔗 BILT RAKUTEN PARTNERSHIP | PRESS RELEASE https://www.businesswire.com/news/home/20251106722200/en/Bilt-and-Rakuten-Launch-Partnership-to-Power-Smart-Rewards-this-Holiday-Shopping-Season TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #creditcard #creditcardrewards 2025-11-06T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1448958/triple-hack-amex-platinum-dollar200-airline-credit https://gamma.videonest.org/1448958_thumbnail_resized_v2.webp https://gamma.videonest.org/1448958_video_v5.mp4 TRIPLE HACK! Amex Platinum $200 Airline Credit Start your day smarter - join over 4 million people reading Morning Brew for free by clicking https://morningbrew.yt.link/1ypAknv. Then, learn about the 3 hacks to use the Amex Platinum $200 Airline Credit on Southwest Airlines, United Airlines, and Delta Air Lines. I’ll explain how they work step by step! Click “Show More” to see Ad Disclosure. Take full advantage of your American Express Platinum Card with these 3 powerful hacks for maximizing the $200 Airline Fee Credit! In this video, we’ll break down what the $200 Airline Fee Credit is, how it’s intended to be used, and how savvy travelers are finding creative ways to stretch that credit even further. By default, Amex designed this benefit to cover incidental charges such as seat selection fees, checked bags, or in‑flight purchases. But if you carry the Amex Platinum Card, you’ll want to know how some clever strategies can help you indirectly apply this credit toward airfare when you select Southwest Airlines, United Airlines, or Delta Air Lines as your preferred airline. VIDEO SPONSOR ☕️📱 Morning Brew - Start your day smarter! https://morningbrew.yt.link/1ypAknv TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:49 - Do This FIRST 2:07 - Southwest Airlines 10:01 - United Airlines 13:06 - Delta Air Lines Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #creditcard #americanexpress 2025-11-11T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1461519/im-done-this-is-my-new-credit-card-strategy-2026 https://gamma.videonest.org/1461519_thumbnail_resized_v2.webp https://gamma.videonest.org/1461519_video_v4.mp4 I’m Done. This Is My NEW Credit Card Strategy 2026 Thank you to Function Health for sponsoring this video! Visit https://functionhealth.yt.link/odXGIEK or use code MARKR100 at sign-up to own your health. The first 1000 get a $100 credit toward their membership. Then, it’s time for a BIG change in my credit card strategy. I’m saying goodbye to a couple cards to make room for something new. Click “Show More” to see Ad Disclosure. For a while I’ve been using the Capital One Duo, consisting of the Capital One Venture X and the Capital One Savor credit cards. It’s a fantastic setup that keeps things simple while offering strong rewards. However, it’s best for travelers because the Venture X earns Venture miles and the Savor One earns cash back that can be converted to the same miles (or kept as a separate balance to give a hybrid ‘travel-cash-back’ approach). Lately though, I’ve wanted to transition to a cash back credit card strategy. I’m not traveling much right now and having some extra cash to save, invest, and/or cover expenses is valuable to me. However, my new cash back credit card setup isn’t typical; I’m using American Express credit cards for the bulk of it. Normally, Amex credit cards aren’t ideal for cash back because Amex Membership Rewards points give poor value when redeemed as a statement credit (currently 0.6¢ per point). However, adding the Amex Platinum Card for Schwab give a much better redemption rate of 1.1¢ per point, and it works for all points earned across all Amex credit cards (up to 1M points redeemed per year). So, this video is my rundown and explanation of which American Express credit cards I’ll be using, along with several other non-Amex credit cards that fill important gaps. VIDEO SPONSOR 👨‍⚕️ Function Health - Start owning your health https://functionhealth.yt.link/odXGIEK TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:50 - Card 1 4:45 - Card 2 7:06 - Card 3 8:12 - Card 4 8:46 - Card 5 9:21 - Card 6 10:07 - Card 7 10:43 - Card 8 11:05 - Conclusion 12:19 - The Big Question Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #creditcard #creditcardstrategy 2025-11-18T23:40:52.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1471692/why-are-airport-lounges-so-confusing-now https://gamma.videonest.org/1471692_thumbnail_resized_v2.webp https://gamma.videonest.org/1471692_video_v4.mp4 Why Are Airport Lounges So Confusing Now? MasterClass has great offers this holiday season. If you use my link, you’ll get up to 50% off an annual subscription. Head over to https://masterclass.yt.link/1aiBGl5 for the current offer and they’ll know I sent you! Click “Show More” to see Ad Disclosure. Airport lounges are everywhere these days. What used to be a simple concept has turned into a complex decision making process. Not long ago, you’d get an American Airlines Admirals Club membership if you flew AA…a Delta Sky Club membership if you flew Delta Air Lines…or a United Club membership if you flew United. That was it. But on top of all those, there are even more airlines getting into the airport lounge game (like JetBlue lounges and Southwest lounges)…and some people may fly multiple airlines regularly! And then there are independent access programs like Priority Pass and Lounge Club, which aren’t associated with any particular airline and have a strong international presence. AND in more recent years, there’s been a big surge in banks developing their own lounge concept (like the American Express Centurion Lounge, the Chase Sapphire Lounge by the Club, and the Capital One Lounge). Plus, some airport lounges are coming up with new concepts, like grab and go options. So, when it comes to asking yourself the question, “Are airport lounges worth it?,” it’s no longer a simple answer. This video will take you through the new thought process to answer that question FOR YOU. VIDEO LINKS ◆ The Points Guy - A Guide to Guest Policies for Airport Lounges https://thepointsguy.com/credit-cards/credit-card-guest-policies-for-airport-lounges/ ◆ Admirals Club Locations: https://www.aa.com/i18n/travel-info/clubs/admirals-club-locations.jsp ◆ United Club Locations: https://www.united.com/en/us/fly/travel/airport/united-club-and-lounge-locations.html ◆ Delta Sky Club Locations: https://www.delta.com/us/en/delta-sky-club/locations ◆ Priority Pass Lounges: https://www.prioritypass.com VIDEO SPONSOR 👨‍⚕️ MasterClass - Learn from the best! https://masterclass.yt.link/1aiBGl5 TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:47 - Part 1: Airports 1:43 - Part 2: Destinations 3:39 - Part 3: Locations 8:06 - Part 4: Accessibility 10:39 - Part 5: Assistance 11:49 - Part 6: Cost 14:25 - Part 7: Use Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #creditcard #airportlounges 2025-11-26T21:00:54.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1479522/get-free-priority-pass-with-this-credit-card https://gamma.videonest.org/1479522_thumbnail_resized_v2.webp https://gamma.videonest.org/1479522_video_v4.mp4 Get FREE Priority Pass with This Credit Card! Want to get into airport lounges for free? This travel credit card can make it happen! The U.S. Bank Altitude Connect is one of the best travel credit cards with no annual fee and this is your in-depth review to learn all about it! Click “Show More” to see Ad Disclosure. The U.S. Bank Altitude Connect card has been around for a number of years, but it recently underwent some drastic changes. Now it has a $0 annual fee with a strong rewards structure for travel purchases. Perhaps the best benefit, though, is that it offers free airport lounge access via Priority Pass AND a secret benefit called SmartDelay. I’ll explain all the details in this credit card review so you can determine if it’s the right card for your wallet. VIDEO LINKS ◆ U.S. Bank Altitude Connect Benefits: https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits ◆ Priority Pass Lounge Enrollment: https://www.prioritypass.com/usbankaltitudeconnect ◆ SmartDelay Lounge Enrollment: https://altitudeconnect.smartdelay.com/ ◆ TSA PreCheck®: https://www.tsa.gov/precheck ◆ Global Entry: https://www.cbp.gov/travel/trusted-traveler-programs/global-entry ◆ GigSky: https://www.gigsky.com/visa-usb-ac ◆ Avis Car Rental: https://www.avis.com/en/association/A401100 ◆ Budget Car Rental: https://www.budget.com/en/association/B196500 ◆ Visa Signature Luxury Hotel Collection: https://www.visasignaturehotels.com/ ◆ U.S. Bank Discounted Gift Cards: https://usbank.thegiftcardshop.com ◆ Premier Golf Discounts: https://golfwithaccess.com/membership/visa ◆ Sofar Sounds: https://www.sofarsounds.com/visaoffer ◆ Universal Studios Hollywood Offers: https://www.universalstudioshollywood.com/web/en/us/visa-offer ◆ Universal Orlando Resort Offers: https://www.universalorlando.com/web/en/us/visa-offer VIDEO SPONSOR 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:47 - Welcome Offer 1:26 - Earn Points 4:53 - Redeem Points 7:30 - Lounges 1 (Priority Pass) 11:14 - Lounges 2 (SmartDelay) 13:41 - Main Benefits (continued) 18:06 - Insurance Protections 18:34 - The Big Question Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #creditcard #airportlounges 2025-12-05T19:43:16.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1489559/how-to-pay-0percent-interest-for-so-long-it-feels-illegal https://gamma.videonest.org/1489559_thumbnail_resized_v2.webp https://gamma.videonest.org/1489559_video_v4.mp4 How to Pay 0% Interest for So Long, It Feels Illegal 🥂 Join over 250,000 entrepreneurs and business executives to get VIP travel and lifestyle benefits with FoundersCard: https://founderscard.1stcollab.com/markreese. Then, if you want to AVOID interest on your credit card - potentially for YEARS - follow the easy steps in this video to create a powerful 0% APR credit card strategy! Click “Show More” to see Ad Disclosure. The average credit card interest rate in Q4 2024 was an outrageous 21.47%. If you’re trying to get out of debt, fund a new business venture, or get hit with a costly unexpected expense, being able to obtain a low interest rate can be a big help…especially if that means ZERO PERCENT! This video will walk you through a really powerful credit card strategy that will allow you to maintain a 0% APR for many months or even years. I’ll include 2 different paths you can take, one of which will get you 0% interest immediately while the other will get you 0% interest later, but with larger credit limits. VIDEO SPONSOR 🥂 Get Your FoundersCard Preview Membership! https://founderscard.1stcollab.com/markreese TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:43 - Step 1 1:13 - Step 2 (Path 1) 3:01 - Step 3 (Path 1) 3:33 - Step 4 (Path 1) 3:50 - Step 5 (Path 1) 5:36 - Step 6 (Path 1) 7:32 - Step 1 (Path 2) 8:11 - Step 2 (Path 2) 9:01 - Step 3 (Path 2) 9:29 - Step 4 (Path 2) 11:05 - Step 5 (Path 1 or 2) 12:01 - Putting it All Together Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #creditcard #creditcardtips 2025-12-12T19:52:56.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1489909/devalued-ritz-carlton-credit-card-just-worse-priority-pass-smacked https://gamma.videonest.org/1489909_thumbnail_resized_v2.webp https://gamma.videonest.org/1489909_video_v4.mp4 ❗️DEVALUED: Ritz Carlton credit card just WORSE! (Priority Pass SMACKED) This is BAD news for the Ritz-Carlton Credit Card. The first major blow occurred back on July 01, 2024, when both the Ritz-Carlton Credit Card and the Chase Sapphire Reserve lost access to Priority Pass restaurants, cafes, and markets. But TODAY (Dec. 12, 2025) I received a secure message directly from Chase on my online account. I opened it, and here’s what it said: “Starting January 15th [2026], The Ritz-Carlton Credit Card cardmembers and authorized users may enter Chase Sapphire Lounges by The Club and Priority Pass lounges with up to two guests each for no charge; any additional guests will cost $27 each. To access a lounge, cardmembers must present their valid physical credit card or Priority Pass Digital Membership.” Prior to this major change, Ritz Carlton Credit Cardholders had UNLIMITED guest access to Priority Pass lounges. Going forward, that’ll now be restricted to 2 guests. The countdown to Jan. 15, 2026 begins 😬 Will you be keeping (or getting via product change) the Ritz Carlton-Credit Card? #creditcards #ritzcarlton #travelcreditcard #creditcard #airportlounge 2025-12-13T20:17:06.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1494474/the-10-commandments-of-credit-cards-are-you-a-sinner https://gamma.videonest.org/1494474_thumbnail_resized_v2.webp https://gamma.videonest.org/1494474_video_v4.mp4 The 10 Commandments of Credit Cards (Are You a Sinner?) Protect your identity NOW! Get an exclusive NordProtect discount at https://nordprotect.com/markreese. It’s risk-free with a 30-day money-back guarantee. Thanks to NordProtect for sponsoring! Click “Show More” to see Ad Disclosure. STOP Using Your Credit Cards Until You Watch This! Most people treat credit cards like "free money," but that’s exactly how the banks win, leaving you to battle with debt. If you’ve ever felt like your debt is growing faster than you can pay it off - or if you're just starting out and want to build a perfect 800+ credit score someday - this video is for you. In today’s video, I’m breaking down the 10 Commandments of Credit Cards. These are the non-negotiable, "golden rules" that I’ve used to travel, earn thousands in cashback, and keep the banks from ever charging me a cent in interest. Follow them and you’ll be on your way to using credit cards responsibly. VIDEO SPONSOR 🔐 Protect Your Identity w/ NordProtect https://nordprotect.com/markreese VIDEO LINKS - What Are Points & Miles Worth? 🔹 One Mile at a Time: https://onemileatatime.com/guides/value-miles-points/ 🔹 The Points Guy: https://thepointsguy.com/loyalty-programs/monthly-valuations/ 🔹 Upgraded Points: https://upgradedpoints.com/travel/points-and-miles-valuations/ 🔹 Frequent Miler: https://frequentmiler.com/reasonable-redemption-values-rrvs/ TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:39 - Commandment 1 1:10 - Commandment 2 3:21 - Commandment 3 4:49 - Commandment 4 7:51 - Commandment 5 10:15 - Commandment 6 12:49 - Commandment 7 14:28 - Commandment 8 16:18 - Commandment 9 18:47 - Commandment 10 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #creditcard #creditcardtips 2025-12-19T23:13:22.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1499892/the-beginning-of-the-end-to-1-1-transfer-partners-PknxGSRZ25 https://gamma.videonest.org/1499892_thumbnail_resized_v2.webp https://gamma.videonest.org/1499892_video_v4.mp4 The Beginning of the End to 1:1 Transfer Partners? Thank you to Function Health for sponsoring this video! Visit https://functionhealth.yt.link/pDMCiBf or use code MARKR25 at sign-up to own your health. The first 1000 get a $25 credit toward their membership. Then learn why credit card transfer partners are at risk and what you can do to improve the value of your rewards. Click “Show More” to see Ad Disclosure. For years, using credit card transfer partners has been the best way to redeem points and miles. That’s still true today, but we’re seeing the early warning signs of an ongoing devaluation that that may come as a surprise to many people. The 1:1 transfer ratio is the golden standard when transferring points from credit cards like the Chase Sapphire Preferred, Chase Sapphire Reserve, Amex Gold Card, Amex Platinum Card, Capital One Venture X, and Citi Strata Premier. That means that if you have 10,000 Chase Ultimate Rewards points and transfer to Hyatt, then you’ll end up with 10,000 World of Hyatt points. But that standard is fading a little as we’re seeing more 1:1 transfer ratios shift to lower values. If you are holding onto a large balance of points waiting for a dream trip, you need to watch this to understand how your points might be losing value while they sit in your account. The transfer ratio itself does not tell you how much value you get, but a 1:1 ratio is always a fantastic starting point for most airline programs. This video will illustrate several examples of credit card rewards programs being devalued from a transfer partner perspective, and then give you tips to preserve as much value as you can going forward. VIDEO SPONSOR 👨‍⚕️ Function Health - Start owning your health https://functionhealth.yt.link/pDMCiBf TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:35 - Setting the Stage 1:22 - The Holy Grail (1:1) 1:50 - Example 1 4:27 - Example 2 7:13 - Non 1:1 Transfer Partners 8:46 - How to Preserve Value Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #creditcard #creditcardstrategy 2025-12-30T23:58:14.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1503513/7-big-credit-cards-trends-for-2026-are-you-ready-dp1N1pK3DB https://gamma.videonest.org/1503513_thumbnail_resized_v2.webp https://gamma.videonest.org/1503513_video_v4.mp4 7 BIG Credit Cards Trends for 2026 (Are You Ready?) Use my code https://factor.yt.link/iXuwjwY for 50% off your first box + Free Breakfast for 1 year! T&C apply. Then learn about the BIG credit card trends for 2026 that I anticipate seeing! Click “Show More” to see Ad Disclosure. Is your wallet ready for the credit card changes coming this year? 💳 In this video, I’m breaking down the massive shifts hitting the credit card industry in 2026 and beyond. If you’ve been following the same "best practices" for the last few years, you might find that your old strategy is suddenly costing you money or leaving massive value on the table. We’ve officially entered a new era of personal finance where the "math" behind your favorite cards has changed. From the way we access premium perks to the invisible technology managing our transactions, the rules of the game have been rewritten. Whether you’re a frequent traveler, a cashback optimizer, or just someone trying to navigate rising costs, this video is your essential roadmap for the next 12 months. VIDEO SPONSOR 🍲 Factor | Eat Like a Pro! https://factor.yt.link/iXuwjwY TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:25 - Trend 1 3:07 - Trend 2 7:24 - Trend 3 10:49 - Trend 4 14:20 - Trend 5 17:25 - Trend 6 20:21 - Trend 7 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #creditcard #creditcardstrategy 2026-01-07T23:13:21.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1514055/3-new-bilt-2-0-credit-cards-many-huge-changes-oQ8qW9UCV_ https://gamma.videonest.org/1514055_thumbnail_resized_v2.webp https://gamma.videonest.org/1514055_video_v4.mp4 3 NEW Bilt 2.0 Credit Cards, Many HUGE Changes BILT has relaunched its credit card suite with three new options designed to turn housing payments into valuable rewards. They are the Bilt Palladium Card, Bilt Obsidian Card, and the Bilt Blue Card. Whether you are paying rent or a mortgage, these cards allow you to earn points and a new currency called Bilt Cash on your largest monthly expense. Click “Show More” to see Ad Disclosure. TOP CREDIT CARD OFFERS 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #creditcard #creditcardstrategy 2026-01-15T02:01:13.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1531485/1-best-bank-accounts-2026-high-yield-savings-u8n0LY136j https://gamma.videonest.org/1531485_thumbnail_resized_v2.webp https://gamma.videonest.org/1531485_video_v4.mp4 #1 BEST Bank Accounts 2026 (High Yield Savings) Thanks to Monarch for partnering with me! Get 50% off your first year by using my link https://monarchmoney.yt.link/9af4kmv or discount code reese50 when signing up for a free trial! Welcome to calm, confident money! #monarchpartner Here are the BEST Checking & Savings accounts of 2026! All of them are high yield with no monthly fees. Plus, many have no minimum balance requirements so you can grow your money FASTER! Click “Show More” to see Ad Disclosure. When you look at the typical savings accounts and checking accounts from the major banks (like Chase, Bank of America, Wells Fargo, and others), you’ll notice that many of them have minimum opening deposits, minimum account balances ($1,500 is very common), monthly maintenance fees, and virtually NO INTEREST to be earned. However, in more recent years, we’ve seen the rise of many online banks (that is, they have limited or no branch locations). Due to the significant cost savings associated with an online model, these banks can offer much higher interest rates than you normally see while still offering many of the services you need. For instance, a lot of banking can be done online these days, including mobile deposit of checks, sending or receiving funds, paying bills, and more. For this reason, the traditional model of going into a bank branch has become a lot less common, so a lot of people can do just fine with online-only banks. Some of these include Ally Bank, Capital One Bank (which acquired Discover), SoFi Bank, and others. I’ve been a user of both the traditional big banks and the newer online banks, and they’ve all got their pros and cons. That said, I find myself using the online banks a lot more these days, primarily to avoid minimum balance requirements, fees, and to earn interest at a higher rate. Learn about the features and benefits of some of the best ones in this video to see if they’re right for you! VIDEO SPONSOR 💸 Monarch | Manage Your Money Like a Pro! https://monarchmoney.yt.link/9af4kmv TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CREDIT CARD OFFERS 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:47 - Bank 1 2:04 - Bank 2 3:53 - Bank 3 5:11 - Bank 4 7:48 - Bank 5 8:46 - Bank 6 10:00 - Bank 7 11:47 - Bank 8 12:12 - Bank 9 14:02 - Bank 10 14:27 - Bank 11 15:27 - Bank 12 15:55 - Bank 13 16:24 - Bank 14 17:18 - Bank 15 17:33 - Bank 16 18:13 - Bank 17 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #highyieldsavings #savingsaccount #bankaccount 2026-01-20T21:34:51.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1547202/bilt-2-0-is-a-total-disaster-why-im-done-fu0CdvahPI https://gamma.videonest.org/1547202_thumbnail_resized_v2.webp https://gamma.videonest.org/1547202_video_v4.mp4 Bilt 2.0 is a Total Disaster: Why I’m Done. Thanks to Monarch for partnering with me! Get 50% off your first year by using my link https://monarchmoney.yt.link/Otf0pXT or discount code reese50 when signing up for a free trial! Welcome to calm, confident money! #monarchpartner. Click “Show More” to see Ad Disclosure. Is the Golden Age of rent rewards officially OVER with the new Bilt 2.0 program? Well, for many, the "honeymoon phase" with the Bilt credit card and its rewards program just hit a brick wall. With the transition to Bilt 2.0 and the new card lineup (Bilt Blue Card, Bilt Obsidian Card, and Bilt Palladium Card), what used to be a "no-brainer" for renters has suddenly become a massive math problem that most of us are having difficulty grasping. I’ve spent a bunch of time digging into the new terms, and honestly? Some of these changes are a total gut punch to long-time cardholders (but there is still value - even good value - for some people). Before you hit that "Upgrade" button in the app or submit a new credit card application, we need to talk about why this might a "nerf" in credit card history disguised as a "premium upgrade." We’ll go over many of the new Bilt 2.0 changes / problems, but here’s a look into 3 Red Flags You Can't Ignore: The "75% Spend Trap": In the old days, you did your five transactions and got your 1x on rent. Simple. Now, to "unlock" your full rent or mortgage points without a 3% fee, Bilt 2.0 uses a tiered system tied to your non-housing spend. For most of us, this means you might have to spend up to 75% of your rent amount on everyday purchases just to get the same points you used to get for free. The Death of the "Credit Float.” Bilt 2.0 now requires rent or mortgage payment to be pulled directly from your bank account within 24 hours. In the past, you could use your credit limit to "float" your rent until payday without interest, but that era is officially over. The $495 "Monthly Chore" (Palladium Card): The new $495 Palladium card looks shiny, but the "value" is buried in high-friction credits. That $400 hotel credit? It’s split into $200 semi-annual chunks and requires a two-night minimum stay through their portal. And for those Bilt Cash redemptions? Many of them resemble coupons whereby you can get up to $5, $10, or $15 off certain types of purchases per month. Watch the full breakdown to see if you should jump ship or double down on the new Bilt 2.0. BILT 2.0 CALCULATORS 🔵 MaxMilesPoints: https://www.maxmilespoints.com/bilt-calculator 🔵 nextcard: https://nextcard.com/tools/bilt-calculator VIDEO SPONSOR 💸 Monarch | Manage Your Money Like a Pro! https://monarchmoney.yt.link/Otf0pXT TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CREDIT CARD OFFERS 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:40 - Problem 1 1:46 - Problem 2 2:24 - Problem 3 6:48 - Problem 4 7:44 - Problem 5 11:05 - Problem 7 12:49 - Problem 8 13:53 - Problem 9 14:53 - Problem 10 15:52 - Problem 11 18:32 - Problem 12 19:56 - The Big Takeaway 20:18 - Who Is Bilt Good For? 20:56 - Who Is Bilt Bad For? 21:36 - What I’m Doing 22:43 - You Need to Know This Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #bilt 2026-01-27T23:17:26.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1587276/new-chase-application-rules-2026-getting-denied-he-3QDUdHbyfM https://gamma.videonest.org/1587276_thumbnail_resized_v2.webp https://gamma.videonest.org/1587276_video_v4.mp4 New Chase Application Rules 2026 - Getting Denied? Here's Why 📲 Manage your credit cards like a pro with MaxRewards: https://markscreditcards.com/maxrewards. With Chase…everything is different compared to several years ago. That’s because the legendary Chase 48-month rule for both the Chase Sapphire Preferred and Chase Sapphire Reserve has been retired, replaced by the new 2026 "Lifetime" policy. Click “Show More” to see Ad Disclosure. If you’re still using 2024 or 2025 strategies, you could be leaving thousands of points on the table—or worse, getting an instant denial. In this video, I’m breaking down the "New Chase Credit Card Approach,” explaining how to navigate the 2026 Chase Pop Up Jail situation and showing you that it’s still possible to get both the Sapphire Reserve and the Sapphire Preferred with their signup bonuses. We’ll cover the Chase Pop Up Jail, Chase 5/24 Rule, Chase 24 Month Rule, answer the question of “how many Chase cards can I have?” and go over more specific rules for the Southwest credit cards, IHG credit cards, and Marriott Bonvoy credit cards. VIDEO SPONSOR 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:43 - Chase Pop Up Jail 2:13 - Chase 5/24 Rule 2:56 - Chase 24 Month Rule 3:12 - Chase 2 Month Rule 3:19 - Chase 1 Month Rule 3:25 - How Many Chase Cards Can I Have? 3:47 - Chase Sapphire Cards (Preferred, Reserve) 5:38 - Chase Ink Cards 1 (Cash, Unlimited) 7:53 - Chase Ink Cards 2 (Preferred, Premier, Sapphire Reserve for Business) 9:00 - Southwest Credit Cards (Plus, Premier, Priority) 10:12 - IHG Credit Cards (Traveler, Premier) 11:08 - Marriott Credit Cards (Bold, Boundless, Bountiful) 14:14 - Other Chase Cards 15:01 - Chase Application Status 15:35 - Chase Reconsideration Line Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #creditcardstrategy 2026-02-05T23:45:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1599420/the-party-is-over-venture-xs-massive-lounge-nerf-UfDu49hlRb https://gamma.videonest.org/1599420_thumbnail_resized_v2.webp https://gamma.videonest.org/1599420_video_v4.mp4 The Party is OVER: Venture X’s Massive Lounge Nerf Visit nolahmattress.com/markreese and use CODE: MARKREESE to get an extra $50 off your Nolah Mattress! Then learn about the BIG changes to the Capital One Venture lounge access in 2026 and beyond. Click “Show More” to see Ad Disclosure. It looks like the golden era of "free for everyone" is officially over. As of February 1, 2026, Capital One has overhauled the lounge access rules for the Venture X card. If you’ve been coasting on those complimentary guest passes or free authorized user (AU) access, your next airport visit might come with a side of "sticker shock." In this video, I’ll break down exactly what changed, who is most affected (hint: families), and the one "big spender" loophole that can still get you free guests. 🛑 What Changed on February 1st? The days of bringing your entire travel squad into the lounge for free are gone. Here’s the breakdown of the new fee structure: Authorized Users: No longer free for lounge access. Primary cardholders must now pay a $125 annual fee per AU (up to 4) to grant them access to Capital One Lounges and Priority Pass. Capital One Lounge Guests: Unless you meet the spend requirement, guests now cost $45 per adult and $25 per child (ages 2–17). Priority Pass Guests: On the personal Venture X, there are no more free guests. Every guest will now cost $35 per visit. 💰 The $75,000 "Loophole" If you are a high spender, you can bypass the guest fees—but only for Capital One’s own lounges. If you spend $75,000+ in a calendar year on your Venture X: a. You unlock 2 free guests per visit at Capital One Lounges. b. You unlock 1 free guest at Capital One Landings. This benefit lasts for the remainder of the current year and the following calendar year. Warning: Even if you hit the $75k spend, you still have to pay the $35 fee for guests at Priority Pass lounges. VIDEO SPONSOR 🛏️ Get a Better Night’s Sleep w/ Nolah http://nolahmattress.com/markreese TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:44 - New Lounge Access Benefits & Rules 6:41 - Add AUs + Lounge Access 9:51 - Manage AUs + Lounge Access 12:19 - Your 4 Choices Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #capitalone 2026-02-13T22:52:26.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1657613/this-1-chase-sapphire-reserve-trick-only-works-in-_IzHwJOWIZ https://gamma.videonest.org/1657613_thumbnail_resized_v2.webp https://gamma.videonest.org/1657613_video_v4.mp4 This 1 Chase Sapphire Reserve TRICK Only Works in 2026 The Chase Sapphire Reserve has 3 amazing benefits that can allow you to earn back the cost of the annual fee on a single trip (if you use them the right way)! Click “Show More” to see Ad Disclosure. The $795 annual fee on the Chase Sapphire Reserve is a BIG one… but don't cancel your card just yet! In this video, I’m breaking down a specific "Triple Stack" strategy that allows you to stack three different credits to get $800 in value, effectively wiping out the annual fee and putting $5 back in your pocket. Most people know about the standard $300 travel credit, but thanks to the Sapphire Reserve updates, there is a specific way to layer your hotel bookings to make this card a "keeper" for another year (even without a signup bonus)! VIDEO SPONSOR 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #creditcardstrategy 2026-02-25T23:30:03.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1658290/the-secret-tool-that-negotiates-your-bills-on-auto-DK1uMtJmKL https://gamma.videonest.org/1658290_thumbnail_resized_v2.webp https://gamma.videonest.org/1658290_video_v4.mp4 The "Secret" Tool That Negotiates Your Bills on Autopilot Download Kudos and let AI lower your bills, cancel subscriptions, and maximize cashback - you keep 100% of the savings 💰 Get $20 after your first purchase on a Kudos partner site! Use my referral code: MARKREESE at https://markscreditcards.com/kudos Are you ready to stop overpaying for your monthly bills and subscriptions? I’m diving into a game-changing new feature from Kudos: the Kudos Voice Agent. While other services can take up to 10 days to negotiate your bills and charge a 50% "success fee," Kudos uses a realistic AI agent to get the job done in minutes—and you keep 100% of the savings. Click “Show More” to see Ad Disclosure. What You’ll Discover: Bill Negotiation: See how the AI voice agent handles real conversations with providers like Xfinity, Verizon, and AT&T to lower your rates. Instant Cancellations: Learn how Kudos uses web agents to cancel unwanted subscriptions (like Netflix and Spotify) in seconds. Maximize Rewards: Discover how to stack credit card rewards, auto-activated offers, and Kudos cashback to get BIG rewards back on a single purchase. Benefit Tracking: Stay on top of the perks offered by premium cards like the Amex Platinum or Chase Sapphire Reserve. Ready to cut your monthly budget without the stress of negotiating? Click the link below to get started + use code MARKREESE during signup to get $20 after your first purchase on a Kudos partner site! 🤖 Lower Your Bills with Kudos! https://markscreditcards.com/kudos TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #kudos #savemoney #creditcards 2026-02-26T19:52:57.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1703512/i-cancelled-my-hyatt-credit-card-when-i-learned-th-6zMvGPrGhp https://gamma.videonest.org/1703512_thumbnail_resized_v2.webp https://gamma.videonest.org/1703512_video_v4.mp4 I Cancelled My Hyatt Credit Card When I Learned THIS Thanks to Monarch for partnering with me! Start your free trial and get 50% off your first year of total money clarity using my link https://monarchmoney.yt.link/KZS9IUz or code reese50. Click “Show More” to see Ad Disclosure. It’s time for some tough love. We’ve all been told for years that the World of Hyatt Credit Card offers incredible value—but in 2026, the math just isn't mathing (at least not for me). Between category creep, stagnant multipliers, and the "Free Night Award" becoming harder to use, I'm calling it: The Hyatt Card is officially overrated. In this video, I’m breaking down exactly why I officially canceled my World of Hyatt credit card and why you might want to do the same. TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:59 - Reason 1 1:35 - Reason 2 2:09 - Reason 3 5:47 - Reason 4 7:38 - Reason 5 11:18 - Reason 6 13:54 - Reason 7 16:07 - Reason 8 18:52 - Reason 9 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards #hyatt 2026-03-09T22:01:05.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1711236/offer-alert-3-amex-marriott-cards-now-have-huge-of-dHqeAneEu_ https://gamma.videonest.org/1711236_thumbnail_resized_v2.webp https://gamma.videonest.org/1711236_video_v4.mp4 🚨OFFER ALERT: 3 Amex Marriott cards now have HUGE offers (2 of which are best ever!) 👀 Plus, some 🚨OFFER ALERT: 3 Amex Marriott cards now have HUGE offers (2 of which are best ever!) 👀 Plus, some BIG news...You can now top-off Marriott Free Night Awards (FNA) with up to 25,000 points! That means you can combine a 35K FNA for up to a 60K redemption ... a 50K FNA for up to a 75K redemption ... and an 85K FNA for up to a 110K redemption! 👇 Here are the offers... 💥💳 Marriott Bonvoy Brilliant® American Express® Card Earn: 200,000 Bonus Points Spend: $6,000 in 6 months 🔗 Link: https://markscreditcards.com/referbonvoybrilliant -------------------- 💥💳 Marriott Bonvoy Bevy™ American Express® Card Earn: 175,000 Bonus Points Spend: $5,000 in 6 months 🔗 Link: https://markscreditcards.com/referbonvoybevy -------------------- 💥💳 Marriott Bonvoy Business® American Express® Card Earn: Up to 5 Free Nights (each up to 50K point value) Spend: (1) Earn 3 Free Night Awards after you spend $6,000 on purchases, (2) PLUS earn an extra 2 Free Night Awards after you spend an additional $3,000 in purchases on the Card within the first 6 months. 🔗 Link: https://markscreditcards.com/referbonvoybusiness 2026-03-12T21:03:08.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1716263/the-ultimate-guide-to-amex-retention-offers-bonus-script https://gamma.videonest.org/Hku7LaFB3ZA_thumbnail_resized_v2.webp The ULTIMATE GUIDE to Amex Retention Offers + BONUS Script! Want to know how to get an Amex retention offer? Follow this easy guide to learn how to increase your chances of getting one (or more)! Click “Show More” to see Ad Disclosure. Amex retention offers can come in a variety of formats. You could receive bonus points or a statement credit. To give a few examples, if you have the Amex Green Card, Amex Gold Card, or Amex Platinum Card and receive a points-based retention offer, then you’ll get bonus Amex Membership Rewards points. You might get a straight points offer with no strings attached or you may have to meet a spend requirement first. In the case of having a hotel credit card, then your retention offer would earn hotel-based points (e.g., you’d earn hotel points if you have the Hilton Honors American Express Card, Hilton Honors Surpass Card, Hilton Honors Aspire Card, Marriott Bonvoy Bevy Card, or Marriott Bonvoy Brilliant Card). And of course, if you have an airline credit card, then your retention offer would earn airline miles (e.g., you’d earn Delta SkyMiles if you have the Delta SkyMiles Gold, Delta SkyMiles Platinum, or Delta SkyMiles Reserve American Express Cards). Amex retention offers can be great to help you justify keeping your credit card open longer, especially if you were on the fence about canceling it. Just be sure to keep your card open for at least another 12 months if you accept a retention offer. Otherwise, American Express could close your account, take back your points, or even close all credit card accounts you have with them. Play by the rules! Now it's time to earn more Amex points! TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards ✈️ point.me - Maximize your points! https://markscreditcards.com/pointme TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex Points!): https://markscreditcards.com/rakuten 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP BANK ACCOUNTS 🏦 SoFi (Get $300 Bonus!): https://markscreditcards.com/sofibanking 🏦 CIT Bank (Get $300 Bonus!): https://markscreditcards.com/citbanksavings 🏦 Barclays (Get High APY!): https://markscreditcards.com/barclayssavings 🏦 Discover Savings (Get High APY!): https://markscreditcards.com/discoversavings 🏦 Discover Checking: https://markscreditcards.com/discoverchecking 🏦 Ally (Get High APY!): https://markscreditcards.com/allysavings TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 2:05 - Requesting a Retention Offer 3:15 - Example (Real World) 13:11 - My 2 Attempts (Summary) 14:42 - Things to Know 20:57 - The Script Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #creditcards 2025-07-16T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1717156/capital-one-venture-x-real-world-review-or-how-to-use-every-benefit https://gamma.videonest.org/446990_thumbnail_resized_v2.webp Capital One Venture X: REAL WORLD REVIEW | How to Use Every Benefit Watch me test the main benefits of the Capital One Venture X in the REAL WORLD, including airport lounge access to the Capital One Lounge and Priority Pass, Hertz President’s Circle status, the $300 Travel Credit, and more! I’ll teach you step-by-step how they work so you can maximize the value of your Capital One Venture X card easily. Click “Show More” to see Ad Disclosure. In today’s credit card landscape, premium credit cards are getting quite complicated with tons of benefits, credits, and terms we need to be aware of. Many also have high annual fees of $550 and up. Fortunately, the Capital One Venture X breaks that trend to a certain degree. Costing a lesser $395 per year with a smaller handful of benefits that are easier to use, it’s a fantastic travel credit card all around. Some of the main benefits include access to Capital One Lounges, Priority Pass Lounges, an annual $300 Travel Credit, an Anniversary Bonus of 10,000 Miles, Hertz President’s Circle status, and more. To make it easier to understand, I’m doing a REAL WORLD review of the Capital One Venture X so you can SEE how the benefits work. I’ll also EXPLAIN the details you must know before using the benefits so that everything can go smoothly. CREDIT CARD LINKS 🚨 Get Credit Card ALERTS: https://markscreditcards.com/offeralerts 💳 View Credit Card OFFERS: https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards EARN CASH or AMEX POINTS! 🛍️ Rakuten: https://markscreditcards.com/rakuten BANK ACCOUNT LINKS 🏦 Top Bank Accounts: https://markscreditcards.com/bankaccounts 💵 SoFi (Get $300+): https://markscreditcards.com/sofibanking INVESTING ACCOUNT LINKS 📊 Top Investing Accounts: https://markscreditcards.com/investingaccounts ------------ 🎬 CHAPTERS 00:00 - Intro 00:56 - Capital One Travel Portal & Benefits Page 2:22 - Capital One Lounge 6:54 - Priority Pass 11:22 - Hertz President’s Club 15:28 - Premier Collection | Lifestyle Collection 20:16 - $300 Travel Credit 22:05 - 10K Anniversary Bonus 22:51 - $120 Global Entry / TSA PreCheck Credit 23:25 - Earning Rewards (10X-5X-2X) Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #capitalone #bestcreditcards 2025-05-13T00:00:00.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1725465/most-people-don-t-realize-this-about-the-rakuten-a-ONA9LH35TQ https://gamma.videonest.org/1725465_thumbnail_resized_v2.webp https://gamma.videonest.org/1725465_video_v4.mp4 Most People Don't Realize This About The Rakuten Amex Thank you to Function Health for sponsoring this video! Visit https://functionhealth.yt.link/dC7gA1F or use code MARKR25 at sign-up to own your health. The first 1000 get a $25 credit toward their membership. Then learn why the Rakuten American Express Card is absolutely incredible! Click “Show More” to see Ad Disclosure. 🌟💵 Join Rakuten ($30, $40, or $50 bonus!): https://markscreditcards.com/rakuten 🌟💳 Get the Rakuten American Express Card (Extra 4% Rewards!): https://markscreditcards.com/referrakutencreditcard 📲 Amex Offers for Rakuten Card https://global.americanexpress.com/card-offers/view-all?locale=en-US 🏟️ Amex Experiences for Rakuten Card (Presale / reserved tickets, venue perks & more) https://experiences.global/us/access/entertainment 🔒 Amex Retail Protection & Extended Warranty for Rakuten Card https://media-assets.imprint.co/partners/rak/legal/amex-terms-en Is the new Rakuten American Express Card the ultimate cheat code for your wallet? In today's video, we are breaking down why this $0-annual-fee card is a game-changer for both cash-back fans and travelers alike. Whether you are looking to stack cash or rack up high-value travel points, this card acts as a massive accelerator for your everyday, online shopping. The real magic of the Rakuten ecosystem is the flexibility. In your Rakuten Account Settings, you can choose how you want to be paid. This card supercharges those options: Amex Membership Rewards: By linking an eligible Amex card, you can convert your cash back into Amex Membership Rewards points. With the extra 4% from this card, you are effectively earning 4X Amex points extra on top of the portal’s base rate. Bilt Rewards: You can now opt to earn Bilt points instead. Many people will love this option to transfer Rakuten rewards into the World of Hyatt program (or even Southwest Airlines or United Airlines to top off their reward balances). The Rakuten Amex Card Breakdown This card is designed to be a stacking tool. Here is the rewards structure: +4% Extra Cash Back on all Rakuten shopping portal and in-store purchases (on top of the store’s base rate). Note: This is capped at the first $7,000 in spend per calendar year. 10% Total Cash Back on Rakuten Dining: You get an extra 5% on top of the 5% you already earn at partner restaurants. 2% Cash Back at grocery stores and all other restaurants. 1% Cash Back on all other purchases. The Math: If a store is offering 10% back on Rakuten and you use this card, you are hitting 14% back total. If you value Amex or Bilt points at 2 cents each when using transfer partners, that is effectively a 28% return on your spend. Benefits and Protections Even with a $0 annual fee, this card includes perks of being on the American Express network: Amex Offers, Retail Protection, Extended Warranty, Amex Experiences VIDEO SPONSOR 👨‍⚕ FUNCTION HEALTH (code: MARKR25): https://functionhealth.yt.link/dC7gA1F TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Card Offers! https://markscreditcards.com/offers 🤑 Rakuten American Express Card: https://markscreditcards.com/referrakutencreditcard TOP TRAVEL + POINTS DEALS ✈️ Thrifty Traveler - Flight & Hotel Deals! https://markscreditcards.com/thriftytraveler ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ Rakuten American Express Card (+4% Rewards!): https://markscreditcards.com/referrakutencreditcard 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #rakuten 2026-03-16T22:01:09.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1758228/amex-platinum-lululemon-credit-never-buy-this-1-it-xLHfZQn46z https://gamma.videonest.org/1758228_thumbnail_resized_v2.webp https://gamma.videonest.org/1758228_video_v5_360.mp4 Amex Platinum Lululemon Credit: NEVER Buy This 1 Item (REAL WORLD REVIEW) Thank you to Function Health for sponsoring this video! Visit https://functionhealth.yt.link/inw2Wes or use code MARKR25 at sign-up to own your health. The first 1000 get a $25 credit toward their membership. Then learn about how to best use your $300 Amex Platinum lululemon credit! Click “Show More” to see Ad Disclosure. The American Express Platinum Card recently introduced a significant lifestyle benefit that can provide up to $300 in annual value. This guide breaks down the lululemon statement credit to ensure you are maximizing every dollar of this perk before the quarterly deadlines. What Is the Amex Platinum lululemon Credit? This benefit offers up to $300 in statement credits each calendar year for eligible purchases at lululemon. However, it is not awarded as a lump sum. Instead, it is distributed as a $75 lululemon credit each quarter. This means you have four opportunities throughout the year to refresh your athletic wear or accessories at no cost beyond the annual fee, provided you use the card strategically. How to Use the Credit To trigger the credit, you must follow a specific process: Enrollment: You must manually enroll in the benefit through the Rewards and Benefits section of your American Express online account or mobile app before making a purchase. Eligible Locations: Purchases must be made directly with lululemon at U.S. retail stores or via the U.S. website and mobile app. Quarterly Deadlines: The credits operate on a use-it-or-lose-it basis. If you do not spend at least $75 within a specific quarter (January-March, April-June, July-September, October-December), the remaining balance will not roll over to the next period. Why It Is Useful Given the premium pricing of lululemon products, a $75 credit can effectively cover the cost of a high-quality shirt, shorts, or various yoga accessories. For many cardholders, this benefit serves as a functional rebate on the card's annual fee, though only for those who already incorporate technical apparel into their fitness or travel routines. The Critical Exclusion While the $75 lululemon credit is relatively straightforward, there is one specific type of purchase that is excluded will not trigger the statement credit. I’ll reveal what it is (and show you why) in the video. VIDEO SPONSOR 👨‍⚕ FUNCTION HEALTH (code: MARKR25): https://functionhealth.yt.link/inw2Wes TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Card Offers! https://markscreditcards.com/offers 🤑 Rakuten American Express Card: https://markscreditcards.com/referrakutencreditcard TOP TRAVEL + POINTS DEALS ✈️ Thrifty Traveler - Flight & Hotel Deals! https://markscreditcards.com/thriftytraveler ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ Rakuten American Express Card (+4% Rewards!): https://markscreditcards.com/referrakutencreditcard 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:27 - Do This First 1:35 - Test 1 4:18 - Test 2 9:24 - Test 3 11:48 - Test 4 14:16 - Test 5 18:34 - Remember This Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #lululemon 2026-03-25T22:00:30.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1780528/2026-credit-card-rumors-massive-changes-coming-cha-xdbt_IHM9p https://gamma.videonest.org/1780528_thumbnail_resized_v2.webp https://gamma.videonest.org/1780528_video_v5_360.mp4 2026 Credit Card RUMORS: Massive Changes Coming? (Chase, Amex, Capital One & More) 📲 Manage your credit cards like a pro with MaxRewards: https://markscreditcards.com/maxrewards. Then learn about the latest credit card rumors in 2026! Click “Show More” to see Ad Disclosure. Is your wallet ready for 2026? Between massive mergers and the "coupon book" wars heating up, the credit card landscape is looking more chaotic than ever. In today's video, we are breaking down the biggest rumors, leaks, and predictions for the coming year. This will include credit cards from Chase, American Express, Wells Fargo, Citi, Capital One, and more! TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Card Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🤑 Rakuten American Express Card: https://markscreditcards.com/referrakutencreditcard TOP TRAVEL + POINTS DEALS ✈️ Thrifty Traveler - Flight & Hotel Deals! https://markscreditcards.com/thriftytraveler ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ Rakuten American Express Card (+4% Rewards!): https://markscreditcards.com/referrakutencreditcard 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:26 - Rumor 1 1:27 - Rumor 2 2:36 - Rumor 3 3:45 - Rumor 4 4:28 - Rumor 5 5:57 - Rumor 6 8:44 - Rumor 7 9:35 - Rumor 8 10:40 - Rumor 9 11:58 - Rumor 10 12:42 - Rumor 11 13:42 - Rumor 12 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards 2026-03-30T22:00:38.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1796260/huge-amex-updates-in-2026-new-cards-lounges-offers-FD7A6DLRKV https://gamma.videonest.org/1796260_thumbnail_resized_v2.webp https://gamma.videonest.org/1796260_video_v5_360.mp4 HUGE Amex Updates in 2026! (New Cards, Lounges, Offers, More!) Are you ready for new Amex cards, lounges, and more? 2026 is shaping up to be a BIG year for American Express! Learn about the new releases coming soon! Click “Show More” to see Ad Disclosure. We’ve got a change coming to the Amex Platinum Card, NEW Amex Centurion Lounge locations opening (plus a big expansion of an existing location), INSANE welcome offers with some of the highest Amex point earnings, and a total of 8 new Amex products being released (including the already released Amex Graphite Business Cash Unlimited Card)! HUGE AMEX CARD OFFERS! 💥 Amex Platinum Card (personal) - As High As 175K https://markscreditcards.com/referamexplatinum 💥 Amex Gold Card (personal) - As High As 100K https://markscreditcards.com/referamexgold 💥 Amex Business Platinum Card - As High As 300K - Link 1 (open in private/incognito browser): https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/ - Link 2 (open in private/incognito browser): https://markscreditcards.com/referamexbusinessplatinum 💥 Amex Business Gold Card - As High As 200K - Link 1 (open in private/incognito browser): https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/?intlink=US-Acq-GCP-BusinessCards-ViewAllCards-horizontal-tile-Gold - Link 2 (open in private/incognito browser): https://markscreditcards.com/referamexbusinessgold TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Card Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🤑 Rakuten American Express Card: https://markscreditcards.com/referrakutencreditcard TOP TRAVEL + POINTS DEALS ✈️ Thrifty Traveler - Flight & Hotel Deals! https://markscreditcards.com/thriftytraveler ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ Rakuten American Express Card (+4% Rewards!): https://markscreditcards.com/referrakutencreditcard 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 000:31 - Amex Platinum Card Losing a Benefit 1:41 - New Amex Centurion Lounges 5:46 - Huge Amex Welcome Offers 7:23 - New Amex Products 8:55 - New Amex Card Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #creditcard 2026-04-08T00:31:32.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1806728/my-new-2026-credit-card-strategy-a-big-change-mcaGTfyRR1 https://gamma.videonest.org/1806728_thumbnail_resized_v2.webp https://gamma.videonest.org/1806728_video_v5_360.mp4 My NEW 2026 Credit Card Strategy (A BIG Change) 📲 Manage your credit cards like a pro with MaxRewards: https://markscreditcards.com/maxrewards. Then, it’s time to CHANGE what’s in my wallet in a BIG way for 2026! My original strategy was good, but some changes needed to be made to make it even better. Learn what’s in my wallet, what I’m doing, and why! Click “Show More” to see Ad Disclosure. TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Card Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🤑 Rakuten American Express Card: https://markscreditcards.com/referrakutencreditcard TOP TRAVEL + POINTS DEALS ✈️ Thrifty Traveler - Flight & Hotel Deals! https://markscreditcards.com/thriftytraveler ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30+ or 3,000+ Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ Rakuten American Express Card (+4% Rewards!): https://markscreditcards.com/referrakutencreditcard 💰 Chime (Get $100 Bonus!): https://markscreditcards.com/chime 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:21 - Card 1 2:51 - Card 2 4:16 - Card 3 6:13 - Card 4 9:07 - Card 5 11:33 - Card 6 14:08 - Card 7 15:10 - What Do You Think? 16:32 - 2 Bonus Slots Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcards #creditcard #bestcreditcards 2026-04-15T23:59:34.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1828028/the-downfall-of-airport-lounges-are-they-worth-it-YlkqkPnqSD https://gamma.videonest.org/1828028_thumbnail_resized_v2.webp https://gamma.videonest.org/1828028_original_360.mp4 The Downfall of Airport Lounges (Are They Worth It Anymore?) Thank you to Away for sponsoring this video! Head to https://away.yt.link/t7HoqFn to get 10% off your first order at Away! #awaypartner | Then get some clarity about, “Are airport lounges worth it anymore?” Click “Show More” to see Ad Disclosure. The "Golden Age" of airport lounges is officially over. What used to be a quiet sanctuary where you could relax, get some work done, get something to eat, and find plenty of seating has transformed into a crowded waiting room with long lines and a "one-in, one-out" vibe. In this video, we’re breaking down the systematic downfall of the airport lounge experience. From the aggressive overcrowding at Amex Centurion Lounges to the massive devaluations in guest policies and the "lounge wars" between Amex, Chase, Capital One, and Priority Pass, we consider whether having that Amex Platinum Card, Chase Sapphire Reserve, or Capital One Venture X is actually worth it. TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Card Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🤑 Rakuten American Express Card: https://markscreditcards.com/referrakutencreditcard TOP TRAVEL + POINTS DEALS ✈️ Thrifty Traveler - Flight & Hotel Deals! https://markscreditcards.com/thriftytraveler ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30+ or 3,000+ Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ Rakuten American Express Card (+4% Rewards!): https://markscreditcards.com/referrakutencreditcard 💰 Chime (Get $100 Bonus!): https://markscreditcards.com/chime 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:37 - Downfall 1 6:02 - Downfall 2 13:44 - Downfall 3 15:53 - Downfall 4 18:19 - Downfall 5 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #airportlounge 2026-04-23T22:45:01.000Z yes Mark Reese // Credit & Finance no https://markreese.videonest.co/videos/1841439/do-chase-credit-cards-blow-now-more-than-ever-deva-woANFhC_Vn https://gamma.videonest.org/1841439_thumbnail_resized_v2.webp https://gamma.videonest.orghttps:.videonest.co/1841439_video_v5_360.mp4 Do Chase Credit Cards BLOW Now More Than EVER? (Devaluations Everywhere) Thanks to Monarch for partnering with me! Start your free trial and get 50% off your first year of total money clarity using my link https://monarchmoney.yt.link/AOgSsh5 or code reese50 for 50% Off Monarch Core tier. Click “Show More” to see Ad Disclosure. Chase credit cards aren’t what they used to be, and neither are Chase points. In recent months, we’ve seen Chase playing around with the value of their Ultimate Rewards points. The Chase Sapphire Preferred and Chase Sapphire Reserve cards used to have guaranteed, fixed point values for travel via the Chase portal, but that’s now changed to a fluctuating range of values. Additionally, there’ve been some negative changes to the Chase transfer partners, alongside Chase making it more difficult to track your spending on certain cards. Perhaps as a personal opinion, I think the rewards categories on the Chase Freedom Flex card have become less useful for day-to-day spending than in years past. I also think many people will agree the big devaluation to the Chase Pay Yourself Back program was a big blow to the overall value proposition of the cards that offered it (predominantly the Chase Sapphire Reserve and Chase Sapphire Preferred). Finally, the Chase credit card application rules have changed noticeably. The new Chase pop up jail / window is actually beneficial, but the vaguer language in the terms and conditions leaves room for too much grey area. Is there still value with Chase credit cards? Absolutely, but only for the people who can or want to extract the value. The old rule of ‘Get Chase Cards First’ may not be as applicable as it once was. TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Card Offers! https://markscreditcards.com/offers 📱 MaxRewards - Manage your cards (promo code = markr): https://markscreditcards.com/maxrewards 🤑 Rakuten American Express Card: https://markscreditcards.com/referrakutencreditcard TOP TRAVEL + POINTS DEALS ✈️ Thrifty Traveler - Flight & Hotel Deals! https://markscreditcards.com/thriftytraveler ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30+ or 3,000+ Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ Rakuten American Express Card (+4% Rewards!): https://markscreditcards.com/referrakutencreditcard 💰 Chime (Get $100 Bonus!): https://markscreditcards.com/chime 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns ------------ 🎬 CHAPTERS 00:00 - Intro 00:32 - Red Flag 1 4:31 - Red Flag 2 8:45 - Red Flag 3 13:15 - Red Flag 4 17:49 - Red Flag 5 20:10 - Red Flag 6 Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #creditcard #creditcards 2026-04-30T20:55:47.000Z yes Mark Reese // Credit & Finance no