The *Must Have* BEST Credit Cards for 2023 [Beginner to Pro].

hey everyone me Kevin here in this video

we're going to be doing a what's in my

wallet review of 11 credit cards and

folks this is going to be very

comprehensive but I'm going to keep it

concise because I value your time it's

worth noting I have been a credit card

Enthusiast since literally my 18th

birthday on my 18th birthday I'm like

the first thing I'm doing now that I'm

18 is I'm getting a credit card and it

should be what you do as well if you are

not yet a credit card holder on January

28 2010 I walked into Wells Fargo got my

first credit card it's not the credit

card I would recommend today but it was

an unsecured card with a 300 limit and

I'll tell you I bought a stick of gum

every single week and I paid that card

off every single time it had a balance

and folks now I've got an approximately

800 credit score I don't have a perfect

850 that's because I believe you want to

use your credit as a tool and not just

try to get like a perfect credit score

which implies that you're not really

opening new accounts or getting loans or

using it you want to use your credit to

build your wealth now while this video

isn't about Building Wealth it is about

helping you consolidate how do you get

around credit cards I mean like I've got

so many credit cards we're gonna talk

about here I've got travel cards I've

got cash back cards I've got store cards

we're gonna deal with everything so

without further Ado let's get started

the most important cards for any

household in my opinion are not your

General rip-off Store cards I've had

them all before the Macy's cards the

Banana Republic cards you know the cards

that that give you like the zero percent

for a certain amount of time stay away

from this kind of crap the cards that

encourage you by sending you more

coupons for their store no no no stay

away from store specific cards unless

they are for staple Goods okay this is

how you want to separate this okay

things that you maybe want to buy Best

Buy Banana Republic Macy's don't have a

credit card there in my opinion things

that you need to buy it makes sense to

have a a credit card at two specific

stores and this is very important number

one target

everyone should be price matching Target

and Amazon and in our household we are

finding that Target is actually

extremely competitive to Amazon in some

categories especially heavier things

like Waters monster shampoo deodorants

they are they have very very good

pricing even not sometimes dry goods

Rice whatever and we have the target

zero dollar annual fee credit card

because you get five percent every day

at Target this is very simple magic okay

very very simple every single thing you

buy at credit or at Target with either

the target debit or credit card I prefer

the credit cards and so you want to

build your credit score over time uh you

you get five percent off on so if you

spend 100 bucks that's literally five

dollars back free and I mean five

dollars you could buy three large hot

dogs and three sodas at Costco right

because I mean they're still doing the

buck 50 combo but the reality is Target

is willing to lose money to lose uh to

win your business against on and in my

opinion that's an opportunity to make

sure you're price matching Target versus

Amazon especially since Target does uh I

believe it's free delivery for their

card holders or once you get to a

certain threshold in your cart and hey

one of the best things you can do is

make sure you're reaping that five

percent off at Target just make sure you

always pay your card off in full don't

spend money you don't have the same is

actually true for Amazon you should have

an Amazon card I actually have two which

you might be wondering Kevin how could

you have two because you can only have

one Amazon card per social and so what

we did in our household is Lauren has

the personal Amazon card under her

social which we use for personal

expenses that'll be like diapers for the

children or toys for the children and

then I have the business Amazon under my

social and so I get five percent off on

business purchases whether it's you know

uh TV like computer monitors or

stationary or or notepads or pencil

whatever you need for your business

right security cameras I don't know

whatever it is now I get five percent

off there so this way we're always

making sure that on things that we need

to buy we're getting five percent off

all the time and it's simple basically

straight cash back there's no like

reward Redemption it's just hey here's

the cash spend it how you want I think

uh with Target you basically get it off

your receipt instantly which is amazing

that's kind of like the Lowe's card I'll

talk about in a moment with Amazon you

could just apply that money to uh to to

purchase this a trick here that I

recommend yeah and check with your

accountant on this but one of the tricks

that I like to do is if I get a bunch of

reward points on my business card

there's there's nothing to say and I

don't know I mean maybe it's wrong but

but I haven't found anything on this

there's nothing to say you can't use the

actual rewards you earn on personal

items because see business items that

get the tax deduction on personal items

I don't so when I get a thousand dollars

worth of reward points or whatever I use

that to go buy some personal items at

zero dollars right and then then it's

you know I mean I'm not writing those

personal items I'm off anyway so what

the heck may as well use the reward

points for that versus something like a

new computer from Amazon that I wouldn't

be able to write off otherwise right or

that I should say that I would be able

to write off because it's business

expense anyway uh Lowe's

because obviously we do Renovations and

instruction it makes sense to have the

five percent off every day over there so

these three store cards for us these are

things that were places we're going to

be spending money anyway and it makes no

sense not to have the five percent back

in our opinion we just make sure we pay

these cards off in full all the time now

let's get to the Daily cash back kind of

cards and these are sort of your

run-of-the-mill cards that don't

necessarily have a lot of extra benefits

for travel but we're going to be talking

about travel cards in a moment so like I

wouldn't use these next cards here for

uh doing a rental car or luggage

protection right or or whatever right

these are going to be more of things

that like I just need a general use

credit card for paying things like oh I

have a city permit fee that I have to

pay it's 500 bucks okay I want to get

two percent cash back on that which card

am I going to use or I have a renovation

that has a twenty thousand dollar permit

and they take a credit card and they

don't charge a processing fee I'm like

oh what they don't charge processing fee

and that means like you get two percent

cash back uh hell yeah I'll pay with my

credit card so there are two that I

recommend for this uh the first is

specific obviously to Apple users it is

the Apple card every time you use Apple

pay or um or you tap to pay with uh with

like your Apple watch or whatever that's

Apple pay on websites or in person Apple

pay you get two percent back which is

great never actually use the card

because in my opinion you only get what

you do you only get one percent back

unless you're shopping at Apple which

that's three percent pack but that

doesn't so much matter I keep this card

nice and safe it's a nice little

titanium card it feels very nice I like

the little envelope for it as well it's

nice but there's no point to using it

because I would rather use if I needed a

physical double cash card that's

something that gives me two percent back

I'm going to use the city double cash

card now the city double cash has

stripped a lot of their benefits again

like those travel benefits but then

again we've got travel cards for that so

I don't love them for a lot of things

but and they've really crimped down on

even some of their their purchase

protections which isn't that great you

could read into detail on those but for

things that I don't necessarily need the

credit card benefits on I just want

straight up two percent cash back

City double cash for sure Lauren has one

for our personal expenses I have one

under my social for our business

expenses that's how we've separated

these so you don't actually need a

business card to write something off as

a business expense you just have to make

sure you segregate these things

appropriately so that way you could show

the IRS that you actually properly

separating things when and if that ever

becomes an issue uh okay so uh those are

sort of your cash back it's right so

number four is the city double cash

number five Apple this comes after of

course Target Amazon and Lowe's but only

get the ones that you actually need and

make sure these are on Staple Goods not

on discretionary purchases right because

otherwise you just get motivated to

spend more and then you get reward

points for that it's just a terrible

psychology to get into it next most

important card uh mine's a little

damaged uh it is uh this is actually the

JP Morgan Reserve card which has exactly

the same benefits as the Chase Sapphire

Reserve now this card in order to have

this card which again this is just a

damaged crappy version of this uh but

anyway uh you have to have 10 million

dollars on account with Chase don't

worry about this okay anybody without

any kind of income or or uh you know

minimum deposit requirements can get the

Chase Sapphire reserve it is probably

the hardest card to qualify for and out

of all of the cards that I just

mentioned it's the first one that has a

fee Lowe's Target Apple the city double

cash uh Amazon none of these have an

annual fee and that's really really

important we want to keep those fees

down and they give you really good cash

back but the Chase Sapphire Reserve card

is pretty freaking amazing because if I

were to boil this card down into a

simple reason as to why to have it is

every time you spend money on travel or

restaurants like dining so Uber flights

hotels rental cars restaurants you

basically get four and a half percent

back assuming you use your points

towards travel again otherwise it's

three percent back but even three

percent back is better than your double

cash cards why would I use my double

cash cards at two percent at a

restaurant or for travel or for flights

or rental cars when I could get at least

three percent back but really I'm gonna

redeem those points always for travel

I've got like over 2 million points with

with uh Chase unlimited uh uh rewards

right now which is really incredible

because it's like thirty five thousand

dollars of free travel that I have I've

just spent so much on this card because

I love it so much it's so easy travel

dining everything goes on this get four

and a half percent back but the cool

thing that you could do with this is you

can actually do what's known as pulling

off the chase Trifecta and this is where

you potentially get the Chase business

Inc card the Chase business ink card has

a zero dollar fee and it gives you

unlimited one and a half percent back

which again I'd rather use the double

cash cards

but but because it's in the chase

ecosystem if you do the Chase Ink one

and a half percent back and then you get

one and a half times uh rewards for your

for towards travel that would be 1.5

because you can combine these points

over at the reward center 1.5 times 1.5

that's 2.25 back so actually if you do

this Trifecta set you could use the

Chase business Inc on The Daily

take the points that you get from the

Chase business Inc one and a half

percent put them into the uh travel

Rewards program get 2.25 back on the

daily for daily purchases daily

everything purchases so that chase Inc

really desirable if you combine it with

travel now the chase Inc also has

certain categories that you can use like

getting five percent back for office

expenses or other revolving categories

like sometimes they do gasoline up to

certain limits well if you get five

percent back and then you multiply it by

one and a half you're actually sitting

at seven point five percent cash back

absolutely insane you should always make

sure you take advantage of those

categories the difficulty thing the

difficulty here is tracking those

categories and so what I generally

recommend you do is you take a label

maker my recommended label maker is

linked in the description down below it

syncs up with your iPhone which is

really cool you just type it in on your

phone hit print and it spits out it's

amazing and it's really inexpensive and

it's portable just go to metcaven.com

Links or go in the description down

below and you'll see where where

metcaven.com links is click that scroll

down you'll see the label maker it's

amazing anyway right like label the back

of your card and say okay this is what

this card is good for these are the

categories so between June and August I

want to spend you know I get five

percent back at gas stations or whatever

you do that with the Chase business Inc

card and the Chase Freedom Card and

those are two extra cards that you can

include with your Chase Reserve or your

Sapphire Reserve Trifecta to really

maximize travel boards and this card is

pretty dang good I mean not only are you

getting primary Rental Car Coverage but

you get 60 000 bonus points if you sign

up and I'm not sponsored by Chase but

that's worth about 900 if you travel

that's really good uh you know it it

does cost uh 550 as an annual fee which

is slightly cheap but you get a 300

annual travel reimbursement which

actually brings the cost down to about

250 dollars uh and given that you're

getting potentially four and a half to

seven and a half percent cash back it's

actually not that horrible the

additional card member fee is a little

Rich uh at 75 usually what I do with the

Chase Sapphire Reserve card here is I

just request the duplicate card and then

when you request the duplicate card you

could just hand that to your spouse or

whomever and then now all of a sudden

it's kind of like oh okay yeah we we

have two cards but again you're you're

probably going to be paying about 250 a

year for this card personally I find it

worth it because of all the extra crazy

points that I get above two and a half

percent but we could do some easy math

on this okay so let's say we're talking

about the difference between a two

percent cash card a double cash card

let's say and four and a half percent

for travel Redemption right that's the

difference of two and a half percent so

for two hundred fifty dollars to make

sense like to spend two hundred fifty

dollars to get that extra two and a half

percent cash back you have to be

spending at least

ten thousand more dollars just to pay

for having the sapphire that's a lot

that's a little on the rich side so you

know you really have to be spending a

good amount of money to justify having

this Reserve card and getting those

extra points now if you're doing the

trifecta you're doing the ink you're

doing the freedom uh and and you don't

have authorized users you're making sure

you get your 300 in in uh rental credits

to bring it down to 250 great you do get

priority pass for traveling but

not the best lounges okay just not the

best lounges not the biggest fan of

using priority pass it's the least

interesting card that I want to use and

so that brings me to the American

Express uh Platinum Card which you can

now get in little fancy designs and such

I don't know if the camera will ever

focus on it oh yeah look at that this is

Lauren's card right here uh really kind

of cool I like that you can kind of get

it a little bit colorful now it always

used to be kind of bland but anyway the

the problem uh here is if you have the

Chase Sapphire Reserve it's gonna be a

real stretch in my opinion for you to

argue that you need the AmEx platinum

card it's probably either or you should

either have the reserve Sapphire Reserve

or the AmEx Platinum Card having both

that's tough it's a little bougie I mean

maybe you're making the argument that oh

well I want to use it to get into the

Centurion Lounge well then just use like

the Delta American Express card which

also gets you into the Centurion Lounge

but then gives you other benefits right

okay so you know we'll talk about this

in just a moment a little bougie but

there is a way you could basically get

the CH the AmEx Platinum for free so

let's talk about this so the AmEx

Platinum is

695 dollars steep however you get a 200

annual Hotel credit bringing you down to

495 you just have to remember to

actually book a hotel with this once a

year label that on the back of your card

like seriously add a bunch of labels to

the back of these cards otherwise you're

gonna get so confused additionally if

you put a subscription on it like

audible Disney plus New York Times or a

few others they'll give you about 20 a

month for those okay well that's decent

I mean that's another 140 bucks off

right there right so that out brings us

down from uh from 695 minus 200 brings

you to 495 then you get another uh oh

I'm sorry that's actually 240 so let's

do the math correctly bring you down

another two hundred forty dollars that

would bring you down to a cost of a 200

and fifty five dollars for this card

okay nice now that's a lot better and if

you make this your primary card on Uber

for example well now you can get 50 15

per month for 11 months and twenty

dollars in December so another 185

dollars off of that uh 255 left now

you're only paying 70 bucks for this

card per year

but but but but you could also get a two

hundred dollar annual credit on top of

that for flights that you book with this

so you get 200 for hotels 200 for

flights and now all of a sudden the card

pays for itself and actually pays you so

if you can remember to have the

discipline to write down okay I've got

an Amex Platinum I got to make sure I

take advantage of all of these benefits

and you have the discipline to take

advantage of all those benefits hey then

then this is great 200 Hotel credit the

240 digital Entertainment Credit uh the

200 Uber credit the 200 Airline Credit

problem is you have to pick which

airline you're going to use and then you

actually have to use that Airline right

so it's a little bit specific and they

also potentially give you I'm just

looking at their website here to sort of

just remind myself here uh 155 dollar

Walmart Plus credit but we personally

don't shop at Walmart so it didn't

really matter so much but if you add up

all these credits or like you use

Equinox bucks right 300 with Equinox

great that's awesome then this is

actually potentially a wonderful card

because it's basically free which is

awesome but you're not spending that

money that you would have otherwise

spent with maybe the airline cards or if

you make a mistake and you don't

actually do this perfectly every single

year it's a little confusing uh you know

you don't want to like go out there and

spend money just to try to save money

that you wouldn't otherwise be spending

that'd be a mistake so you have to be a

little bit careful with the AmEx because

it's very very high you mess up one

thing you start paying for it now here's

where it really Compares and potentially

even competes with the Chase Sapphire

Reserve is instead of giving you four

and a half percent you could get up to

basically five percent back on flights

or on prepaid hotels that you book with

Amex now that's a little complicated

because you have to then book with Amex

and then you're not going to get the

hotel rewards points usually or the

benefits of booking directly with the

hotel I generally like booking directly

with the hotel I also generally like

booking directly with the airlines when

I can but then again when I utilize my

points over a Chase Sapphire I'm not

booking directly with them anyway but

these are to earn your points to be able

to earn your points you have to book

with Amex travel and then to redeem

you'd be booking with Amex travel right

for for hotels for example with the

Chase Sapphire I could go swipe the card

at the counter and I'll get four and a

half percent back which then I would

have to redeem through uh their website

so you kind of have to double up here a

little bit with flights you could book

directly with the airlines or on

American Express Travel so you can see

like the American Express is like okay

maybe you could argue some of the

benefits are a little bit better but

like the card could basically be free

right the card could pay you to use it

compared to the Chase Sapphire where

you're probably going to be paying a

couple hundred bucks a year to have the

thing that already is pretty good and if

you're okay just booking through hotels

through Amex travel you know 5x 5 back

because these translate to about one to

one it's actually pretty decent so Amex

is right there with the Chase Sapphire

they just have these little nuances like

you're not gonna get seven and a half

percent when you do the trifecta over at

Amex so you kind of have to weigh these

out to see personally what's best for

you I really encourage that you just

pick one of these because if you're

trying to balance both of these

stressful Nightmare and if something

stressful you're probably not going to

do it so then let's talk about the Delta

style or SkyMiles card so this is a 550

dollar annual fee credit card that's a

little expensive really terrible rewards

outside the 3x miles that you get with

Delta direct purchases you know the

stuff that you're spending on Delta I

really like it because it gets me into

the Delta Sky Club but remember it would

also also get you into the Centurion

Lounge which is really really good

excuse me they also have like free

drinks and good food like Centurion

Lounge is great there just aren't that

many of them around the world yet uh but

the SkyMiles clubs these are like

everywhere and uh in my opinion worth it

uh but really the real value of this

because it is 550 bucks a year the real

value with this card is that you get a

free annual companion certificate when

you pay your renewal fee so if I take a

thousand dollar flight somewhere I could

get a free ticket worth a thousand

dollars and that easily hands down pays

for the card for like two years and now

no matter where I go I get basically

into the Sky Club lounges for free so

this one great the status stuff or

keeping status is really really

complicated I mean they have like

minimum qualified dollars minimum

qualified segments and and it's just

like it's so overwhelming uh you know

segments are like the number of flights

you take miles or how many miles you

accumulate which you can accumulate

miles faster if you have status uh and

then dollars that you spend is how much

you're spending on on you know outside

of uh of the actual uh like travel that

you're doing or what you're putting on

this card outside of this right because

every credit card wants to be your

primary card but I'll tell you it is so

complicated that I've kind of just shut

down and the way I look at this is I

just say to myself look

I'll just fly Delta whenever I fly Delta

and if I end up qualifying for three

thousand dollars of minimum dollar spend

I mean that's easy if you have a bunch

of flights anyway you're gonna hit three

thousand dollars uh and then you you get

these miles or 30 segments or whatever

which connecting flights count as two

which is kind of good to know if you

ever take a connecting it's actually two

segments but anyway uh assuming you're

stopping once right but anyway

um complicated I would say if you could

just get into silver it's good because

it starts unlocking your upgrade

abilities your free upgrade abilities

the same is true with your entry for

American really really complicated like

to understand the whole status system

but once you just get like the lowest

status you start unlocking benefits and

generally what they do is they

prioritize your seat upgrades that are

for free basically by not only what rank

you are so like obviously a diamond is

going to get more priority than a silver

right but also whether or not you have

the card so having the card will give

you more priority so for example if you

and another silver person are trying to

get upgraded to first class for free if

you have the card and they don't they'll

give it to you

kind of cool especially if the card is

free already but otherwise trying to

like fully understand the status systems

they purposely try to confuse you okay

that simple that freaking simple now you

get Club access for you and one other

person uh it's actually uh sorry it's

it's Club access you can bring your

spouse and immediate family or two

guests but at some point and this varies

based on like the people at the lounge

but they can start charging you 39 per

guest that you bring in and I think

that's really lame obviously you get in

uh for free if you have the card so if

you're traveling alone this is great if

you're traveling with a lot of people

this could potentially be a little bit

of an expensive Lounge to go to

next card this is card number nine it is

the city AAA Advantage card uh it's the

executive card take a look at whose name

is on this card by the way it's it's

really cool if you could see it here

yeah look at that oh no it's just not

gonna Focus whatever so this card I

actually got my son's name on it it says

Jack pafrath right there you can see

that he's seven years old and I'm gonna

talk about why I did that in just a

moment there's actually a really

specific reason for this but anyway the

card has a 450 annual fee kind of steep

again Admirals access like the Admirals

Club access not worth it okay I've been

there a few times where you could you

could go there when you land as well

just like Delta not just when you take

off but when you land you can go there

love that hack by the way the Admirals

Club no free alcohol like the Centurion

Lounge uh they charge you for some of

the food which I'm like what the hell

you have rice and beans for free but

you're gonna charge me 10 or 15 for a

sandwich like what the heck like what's

the point of being part of the club so I

usually feel sad in the uh American

Airlines Admirals lounges I don't know

they kind of just in my opinion suck I

don't know maybe just the ones I've been

to they suck but it's like the worst out

of all of them is the American ones like

I will literally go to be booking a

flight and I'll be like oh American can

I get a Delta flight instead okay like

sucks uh same thing once you have

minimum status with American you could

potentially get these upgrades some of

the gate agents tell you though that you

have to actually call to request your

upgrade that it's not automatic like

Delta I've gotten mixed messages on this

but it's really annoying because if you

have to call them so many people are

trying to call to get their upgrades you

could be on hold for like an hour I

would I called them once and I was on

hold for an hour and six minutes like

super lame anyway the reason I got this

is because if I travel with kids you get

up to eight uh family members worth of

free first bags so like sometimes when

we go to Europe uh if we're even flying

with American you know oftentimes you go

to Europe you're flying like United or

something else but anyway or maybe even

you go to Canada but then again you're

flying more like United or Air Canada

but anyway you travel somewhere like New

York okay let's go with that you go to

New York and you're traveling with uh

two kids you and your spouse and let's

say you're in-laws six people and a

nanny let's say you got seven people

like if you're traveling with a lot of

people this is great because the free

bag alone is worth it if you're checking

stuff like I travel alone I try to I

don't like checking in it's a hassle but

if you travel with family you're going

to be checking bags oh boy and you got a

lot of people it adds up fast so talking

about 450 a year for this annual fee but

you travel just once and let's say

you're checking in six bags that's 180

bucks per way that's 380 bucks for free

right there just in bag fees that you're

avoiding but again you have to actually

be traveling uh with with family to to

use this card so as usual when you have

travel cards you've got to actually be

traveling to make sense of them right uh

so additional card users are free by the

way and there's no age limit to them

that's why I got Jack one over here

which is kind of cool uh authorized

users are allowed to bring in themselves

and up to two guests so I purposely got

one for my son just in case they're like

oh you can't bring any more people in

Kevin or Lauren Well Jack could be like

I'm seven and I got a credit card I can

bring in two people because that's what

your terms say because Kevin actually

read the details and then they'll be

like wow a 70 year old just brought in

two guests can't believe they read the

fine print well anyway kind of cool just

make sure you activate the cards because

sometimes they swipe them to check them

okay good you do also get priority

screening at TSA but then again if you

have TSA pre-check you don't really need

that and you get Priority Access if when

you're checking in with a bunch of bags

you want like the priority line the card

gives you that priority line like super

cold then we've got the United card

which I actually have right here this is

the United Club Mileage Plus carb so

this gets you into Star Alliance lounges

as well which is great if you travel to

Canada back and forth although

that's kind of lame but at least it's

something right uh the uh Chase Chase

United infinite card is 525 uh they give

you your first and second bag free so if

you travel with two people right that

could be four bags if you're packing a

lot of stuff like if I'm traveling with

a mobile Studio or whatever and I

actually have to check stuff it's great

uh this summer I uh was on like a 900

ticket with my family we had like six

people we went to Europe and we were

trying to fly direct from London to LAX

and it was like 900 per ticket you know

a lot but it was economy seating and uh

and and I looked at the first class

tickets and they were like ten thousand

dollars and I'm like hell no no way

but then I found out that if you

actually had the United Mileage card and

you wanted to buy a first class ticket

with mileage

it was only the equivalent of about

three thousand dollars but then they had

a mileage sale going on which they

randomly throughout the year will sell

mileage for like 50 off so I was

basically able to get first class

tickets for like roughly about two

thousand dollars more per ticket so I

got two of them and then we kind of like

took turns taking the kids up front

which you're not supposed to do but we

did anyway so we feel like we basically

got twenty thousand dollars worth of

tickets for like four thousand dollars

and we're like yes please thank you and

oh trust me on like a a you know a 10

hour flight if you could get the little

seats that lie down and like take turns

with your family members oh yes worth it

uh the United Club Card uh you at least

it was worth it for us you know I I

realized that's still a lot of money

okay so it might not be worth it to

everybody but that made sense for us

with the United Club card you do also

get uh International Hotel Group

upgrades that's like Holiday Inn you get

status uh president status which with a

this but I generally don't like to rent

cars anyway and you get primary Car

Coverage if you rent a car not convinced

this card is worth it unless you're

really again using those bags a lot

keep that in mind uh the last card I'm

like

also not heavily convinced it's worth it

it's a Marriott bonvoy card this is 650

this is insanely expensive uh it's an

AMX so it could get you into the

Centurion Lounge as well you do get 300

towards restaurants if you use it once a

month 25 a month is what they'll give

you you just have to be diligent and

make sure you use this once a month so

somehow you have to have like a

checklist did I use it once a month I

don't know if that's worth the stress

just to cover the fee of it you do get

gold status at minimum with the card

which is nice because then you get a

little later checkout and free internet

at Marriott but then again how many

times you actually staying at Marriott

you know I look at like the Hiltons and

the Hyatts those are really nice as well

and oftentimes competitive or better and

if I'm going to be buying with the chase

unlimited travel rewards anyway maybe it

makes more sense to just have the flight

cards and then redeem my points uh with

with from from other travel like whether

it's cruises or or restaurants from JPM

redeem those on hotels right maybe I

don't know but you also get a free night

every year that your card renews so

obviously get an expensive night

somewhere so you can get this card to

pay for itself by making sure you use it

once a month at a restaurant to get the

300 and then getting that free night

worth at least 350 that'll pay for the

card and having it but again am I

convinced that that's worth the stress I

don't know so anyway hopefully you've

learned something here I'm going to give

you one more piece of advice okay and it

has to do with this but first I just

want to ask you that if you found this

video extremely helpful or even remotely

helpful share this with people share

this with your friends your family or

anybody you think that is interested in

credit cards and maximizing their

benefit I mean I've just tried to

compile a lot of information I know it's

a 30 minute long video but I've compiled

I think a lot of information into one

video here that should be very very

useful for you now because I use Apple

pay so much I actually don't personally

carry all of these credit cards but you

need them to get into the lounges so

when you have a lounge or I'm sorry when

you have a travel back pack you should

always have a travel backpack right it's

the same travel backpack you take every

single time it's a travel backpack that

has your backup Chargers cables for your

iPhones and your iPads you know USBC USB

lightning whatever uh and it just has

those bare minimum things have a credit

card sort of roll a decks so to speak in

it so that way you just keep all your

credit cards in here so that way you

show up at a club and it's like ah this

is the Delta Club I need the Delta card

oh crap I don't have that in my wallet

because I usually pay online or Apple

pay no problem got it in the little

spinny thing because I always travel

with this okay very very important bonus

tip again share the video check out the

programs on building your wealth link

down below and folks we'll see in the

next video thanks so much goodbye