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Idk id prob go VX + Savor or CSR + Flex only reason i wouldnt go amex is because its not as accepted as Visa & Mastercard

I got Amex Jailed and canceled back in 2015 for trying to cash advance at a Las Vegas casino. LOL

arent all af tax write offs since you are a content creator

since it doesn't count on the sign up bonus, do I still have to wait until my 2 years are up to get the sign up bonus for the OG Freedom? (If I do a product change)

@SpencerJohnson there is an account that I believe is trying to pose as you responding to comments on your videos just wanted to make sure you were aware!

CLEAR is infinitely better the TSA Pre. Not that this is a reason to downgrade to a Green but CLEAR isn't worthless at all.

This did not age well

Super late to this one, but I had it on my list to watch! I'm glad to see you cancel a card that no longer brings you value, and can see that instead of accepting a retention offer, you can instead use whatever that spend (or points equivalent in your case) is towards a new Welcome Offer and/or filter that spend to maximize points based on current cash back or travel strategies! As much as I absolutely love the Business Gold card for the 4x categories, the new annual fee negates the value I would receive on the multipliers, even with the Walmart+ and GH/FedEx/Office Supplies store credit. My annual fee will be posted this month, and if I don't get an upgrade offer to the Business Platinum, I will be downgrading the Business Gold card to a Business Green and will instead focus on maximizing points based on spend, and when under 5/24 in May, I will focus on Chase business cards! Love your content. - Ivan

You totally missed the 10k points you get from VX every year on your anniversary

Sounds like you know what you''re doing, and that's all that matters. It's all very impressive.

The only thing I don’t like about max rewards is it has an issue linking with Chase!

I applied for the Chase Freedom Flex, today, while a few weeks ago, I applied for the Unlimited, and I got instantly approved, why is this?! 🤔

Among my annual fee cards, I too have both the CSR and the VX. I'm cancelling the VX this month when the fee hits. I'd rather cancel than downgrade to the V1 and sock drawer it. I'm trying to simplify things.

I'll be honest, you sound pretty biased and I wont even say towards which one. I dont even think I have to say it.

All of my credit card annual fees are well planned to pay for itself. My rule in keeping the cards is either net positive or zero, and by putting in a bit of effort, you’ll open up some privileges that cost tons of money to get there.

Seems like some wishful evaluations. I’m sure you’re getting a lot of value from other redemptions but I wouldn’t value chase points at $.002/pt on a redemption for $.0015/pt. Also, the free night certificate is great but it isn’t worth the full value of its points (85k*$.0008/pt) since it’s way less flexible. Unless you travel a ton or are planning a whole trip around using the certificate you’re probably not getting that full value. And if you do have that kind of flexibility you can probably get an even better redemption just having the points to split up over multiple nights or combine with other points.

Spence do you have a link to a template sheet similar to what you've put together to track your setup? I want to copy your homework. Also, once you get the Ritz card, are you going to keep CSR or downgrade to CSP? I don't see much benefit to holding both.

Since you want more UR points why not take advantage of the 5x with CIC and get visa gift cards?

Those are rookie number! 😂

Are the drinks free in the lounge?

Any reason you wouldn’t get the Marriott bonvoy brilliant before product changing boundless to the ritz?

Great vid as usual, Spencer! Do you think you can share table file?

Bro you need the AMEX trifecta

Great vid! ALSO, 20k subs ! Congrats goat !

Still not a fan of owning more than 1 premium credit cards. You can have 4-6 no fee credit cards to make sure all you daily purchase is 5% cashback with max rewards. Website like priceline with their own credit card also gives you 5 percent on travel. Beside that, rakute often gives 8% cashback on priceline, that's total of 13 percent. Only good things premium card can provide are rental car insurance and lounge.

The main reason (spencer)why expanded my portfolio to 9 credit cards including business

I use the WalMart + benefit from the Amex Platinum and the Paramount + subscription. Along with the gas savings.

To me, as long as you get close to break even, or net positive, AF's are a wash. It's just once you get a bunch of cards, is when it gets harder to keep track. One Amex Platinum and it's already a chore 😆

Great job on going over how you use your cards and the value you're getting from them versus the annual fees! It's good that you're getting positive value in all of your cards with annual fees. Out of the 12 cards that I have now, I'm only paying $194 in annual fees. The IHG Premier card is definitely worth more than its $99 AF and I'm looking forward to see how much value I can get from the Chase Sapphire Preferred. I'm hoping to add the Hilton Surpass card to my setup later this month, so that will up my total annual fees to $344.

Don’t forget the Paramount+ benefit of Walmart+

Yeah some people look at me like I'm crazy for having multiple credit cards too (even though not overboard), but when you explain to them how much value you get then they understand the obsession 🙏🏻

Why do people focus on the design and not the features . This is the best card in the game . Who cares if it plastic . Ya have your priorities wrong in life .

My guess is that since this is your business, RUclips credit card content, that you are able to deduct the credit card expense on taxes as business expense. Just my guess, how it makes sense for you.

Define editing spend? Someone else? Software?

What do you do with the cards that aren’t in your strategy? I’ve heard that if you don’t use a card they might close the account or it might hurt your credit.

Dang man 24 years be looking like they 30 now

I am slowing down my application for venture x, I am considering canceling gold and go with savor one as well.

Those AF can really add up but if you can use it well it can sure pay off. This quarter I’m using CF for gas 5x and IHG and prime for groceries from a bonus offer

The two workhorses of my setup are the VX and the AMEX Gold (I also utilize Bilt, Marriott, etc., but those earn minimal points on everyday spend). I am with you that the Gold just doesn't make sense for the credits, especially when there are essentially free versions of the Gold with the Savor 1 and some Chase combos. I am tempted to drop the Gold and get into the Chase ecosystem since I don't have any Chase cards. However, it would be redundant for me to get the Reserve I think since I already have the VX. I could get the Chase Sapphire Preferred just for the transfer partners, but is that worth it over the Savor 1?

I'm 2 years older than you have 20+ cards but only 2 annual fee are Venture X and Chase Sapphire Preferred. I always preferred cashback in my early days and it was much easier to get the sign-up bonus. Only cancelled 3 cards over the years Quicksilver, Amazon Store card and PayPal credit (not the 2% card).

$2133? You're a child.

Great video and a good roadmap on how to calculate value from your cards.

Man I just upgraded my Capital QS to a V1. I’m happy with this move. I was planning on a VX, but l don’t see much value on the lounge and the 2x. I could find the same PP lounge with a CSR. 2x with a Citi double Cash. My Capital setup is V1 (just to have access to transfer partners) and my workhorse is the S1, all of that with no annual fee😁

Crushing the game. Income, spend and travel habits are the most important factors of this game.

Thanks for sharing this! Looking at your strategy--and I say this as a Venture X fan--I think that the Venture X IS very redundant for you. Now, does it hurt? Probably not, given that its the only card that really gives you access to C1 travel partners. AND, it technically does "pay you" with the $300 + 10k annual points. And yes, while you can downgrade to the normal Venture, then it would be pretty much a "dead" card in your wallet. But, any spend you're doing on C1, you're probably "throwing away" to an ecosystem you do not really care too much about. All in all, interesting, as the above is LITERALLY how I feel about Chase (the reverse of your situation). I just like the C1 benefits a bit more, and how "international-friendly" the C1 duo is > Chase trio.

Beers in the delta sky club that I would otherwise be buying in the airport more than makeup for the annual fee on my delta amex reserve so gotta factor those in

I like your videos, but the only way you can justify them is with referral bonuses.

I mean, being a credit card RUclipsr with a good number of subscribers is already enough justification to me. I am impressed how you built a business around it. Thanks for the content!