I Ranked Every Credit Card (Here’s What’s ACTUALLY Good)
Summary
TLDRThis video ranks popular credit cards into tiers, revealing the truth about their value. It discusses cards like the overrated Apple Card, the beginner-friendly Discover It Card, and top-tier options like Capital One Venture X and Chase Sapphire Preferred. The script also covers cashback and travel cards, analyzing their benefits, fees, and rewards to help viewers choose the best cards for their needs.
Takeaways
- ?Í🏼 The Apple Card is considered overrated due to its limited 2% cash back offer which is only valid with Apple Pay and not on the physical card.
- ?Í🏻 The Discover It Card is ranked in the middle tier for its rotating 5% cash back categories and its ability to match all cash back in the first year, making it beginner-friendly.
- ?Í🏽 The Capital One Venture X card is a top-tier card with a large sign-up bonus, high multipliers for travel expenses, and valuable travel benefits despite its annual fee.
- ?Í🏻 Chase Sapphire Preferred is an excellent value travel card with a low annual fee, offering a substantial sign-up bonus and good rewards for travel and dining.
- ?Í🏼 Both the Chase Freedom Flex and Freedom Unlimited cards are highly rated, with the Flex offering rotating 5% categories and the Unlimited providing a flat 1.5% cash back.
- ?Í🏽 Citi Double Cash card moves to a higher tier with a new sign-up bonus, offering 2% cash back on all purchases.
- ?Í🏻 The Citi Custom Cash card is praised for its customization feature, allowing cardholders to earn 5% cash back in their highest spend category.
- ?Í🏽 With no annual fee, the Capital One Saver card offers a high sign-up bonus and 3% cash back in various popular categories, positioning it as a top-tier cash back card.
- ?Í🏼 The American Express Green Card is seen as overrated with its $150 annual fee not justifying the benefits for most users.
- ?Í🏽 AMEX Gold and Platinum cards are highly ranked for their dining and travel benefits, though the Platinum's numerous benefits and high fee make it a contentious choice.
- ?Í🏼 The video emphasizes the importance of choosing credit cards that align with individual spending habits and travel preferences to maximize rewards and value.
Q & A
Which credit card is considered overrated in the video?
-The Apple card is considered overrated because it only offers 2% cash back on everything if you pay with Apple Pay on your iPhone or watch. Using the physical card cuts the cash back to 1%.
What is the unique feature of Discover It Card mentioned in the video?
-The Discover It Card matches all the cashback earned in the first year, effectively doubling the cashback in the first year and has no annual fee.
What is the sign-up bonus for the Capital One Venture X card?
-The Capital One Venture X card offers a standard sign-up bonus of 75,000 miles worth at least $750.
What are the benefits of the Chase Sapphire Preferred card?
-The Chase Sapphire Preferred card offers a $50 annual hotel credit, a sign-up bonus of 60,000 points, and earns points in various ways including 5x on travel booked through Chase, 2x on travel and dining, and 3x on online groceries and streaming.
Why is the Citi Double Cash card moved up to the B tier?
-The Citi Double Cash card is moved up to the B tier because of a new offer for a $200 cash back or 20,000 Citi ThankYou points as a sign-up bonus.
What is special about the Citi Custom Cash card's earning structure?
-The Citi Custom Cash card allows cardholders to earn 5x back in their highest spend category every billing cycle out of 10 categories, making it highly customizable.
What is the reason the Capital One SavorOne card is ranked in the S tier?
-The Capital One SavorOne card is ranked in the S tier due to its $200 sign-up bonus, 3% cash back on dining, entertainment, streaming, and grocery stores, and 10% back on Uber until November 14th, 2024, all with no annual fee.
What is the AMEX Green Card's annual fee and what does it offer for that cost?
-The AMEX Green Card has an annual fee of $150 and offers 3x points on travel, transit, and dining, but is considered overrated because the value does not quite match the fee.
What is the unique benefit of the Built MasterCard mentioned in the video?
-The Built MasterCard offers a unique benefit of earning points without transaction fees when paying rent, making it valuable for those who pay a significant amount in rent.
Why is the AMEX Platinum card considered divisive and placed in the B tier?
-The AMEX Platinum card is divisive because it has a high annual fee of $695 and comes with many credits and benefits that require tracking, which can be a headache for some users, hence it's placed in the B tier.
What is the strategy recommended for airline credit cards?
-The recommended strategy for airline credit cards is to focus on earning flexible points currencies from banks like Chase, AMEX, Capital One, and Citi, rather than getting cards for each airline.
Outlines
💳 Credit Card Tier List Overview
The paragraph introduces a video script discussing the ranking of popular credit cards into different tiers based on their value and benefits. It critiques the Apple card for its misleading 2% cash back promise, which is only applicable when using Apple Pay and not the physical card, which offers only 1% cash back. The lack of a standard sign-up bonus also contributes to its placement at the bottom of the list. The Discover It Card is mentioned as a middle-tier card with rotating 5% cash back categories and a unique feature of doubling cash back in the first year. The paragraph also highlights the Capital One Venture X as a top-tier card with a significant sign-up bonus and valuable travel rewards.
🏦 Chase Sapphire Preferred and Freedom Card Rankings
This section of the script ranks the Chase Sapphire Preferred for its $95 annual fee, a sign-up bonus worth at least $750, and versatile earning potential with points that can be transferred to partner programs. The Chase Freedom Flex and Freedom Unlimited cards are also discussed, with the Flex card earning a spot in the A tier due to its 5% rotating categories similar to the Discover It Card, and the Unlimited card in the B tier for its flat 1.5% cash back. The paragraph emphasizes the potential to combine points from these cards with a Chase Sapphire card for enhanced value.
💸 Cash Back and Travel Credit Card Evaluations
The script evaluates the Citi Double Cash card, which is considered overrated without a sign-up bonus but moves up to the B tier with a new $200 cash back offer. The Citi Premier card is praised for its spending multipliers on various categories and is placed in the B tier. The City Custom Cash card is highly recommended for its customization and placement in the A tier. The Capital One SavorOne card is commended for its no-annual fee, high cash back rates, and is placed in the S tier. The paragraph also touches on the benefits and drawbacks of the Citi Premier card and the Capital One SavorOne card.
🚫 Avoiding Overpriced Credit Cards
This part of the script warns against luxury card offers like the Gold and Black MasterCards, which have high annual fees but lack substantial benefits, placing them in the D tier. It also discusses the AMEX Green Card, which is considered overpriced for its $150 annual fee and is ranked in the C tier. The Capital One Quicksilver card is deemed a good beginner card but not competitive enough for experienced users, earning it a C-tier ranking. The US Bank Altitude Go card is appreciated for its no foreign transaction fees and is placed in the B tier.
🛫 Travel and Dining Rewards with the AMEX Gold Card
The final paragraph of the script discusses the AMEX Gold Card, which offers 4X points on dining and at US supermarkets, and 3X points on flights. It has a $250 annual fee but provides up to $240 in annual Uber and dining credits. The card is praised for its food spending rewards and the value of its points when transferred to travel partners, earning it a top S-tier ranking. The paragraph also mentions the Amazon Prime Visa card for its no annual fee, $100 Amazon gift card bonus, and 5% back on Amazon and Whole Foods purchases, placing it in the A tier.
Mindmap
Keywords
💡Credit Cards
💡Cash Back
💡Tier List
💡Signup Bonus
💡Discover It Card
💡Capital One Venture X
💡Chase Sapphire Preferred
💡City Double Cash
💡Travel Credit Cards
💡Annual Fee
💡Spending Multipliers
Highlights
Apple Card offers 2% cash back on everything but only with Apple Pay, not with the physical card.
Apple Card lacks a standard signup bonus, unlike most other credit cards.
Discover It Card provides 5% cash back in rotating categories and matches all cash back in the first year.
Capital One Venture X offers a large signup bonus and valuable travel rewards.
Chase Sapphire Preferred has a $95 annual fee with a $50 hotel credit and 60,000 point signup bonus.
Chase Freedom Flex and Freedom Unlimited have no annual fee and offer 5x and 1.5x points back respectively.
Citi Double Cash Card earns 2% cash back on everything with a new $200 signup bonus.
Citi Premier Card offers 3x points on a wide range of spending categories with a $95 annual fee.
Citi Custom Cash allows earning 5x points in your highest spend category each billing cycle.
Capital One SavorOne offers 3% cash back on dining, entertainment, and streaming services.
Blue Cash Everyday from American Express earns 3% cash back on groceries, online retail, and gas.
Wells Fargo Active Cash offers 2% cash back on everything with a $200 signup bonus.
American Express Green Card has a $150 annual fee with 3x points on travel, transit, and dining.
American Express Gold Card offers 4x points on dining and travel with a $250 annual fee.
Amazon Prime Visa Card provides 5% cash back on Amazon and Whole Foods purchases.
Built MasterCard offers 3x points on rent with no transaction fees, making it valuable for renters.
Chase Sapphire Reserve has a $550 annual fee with a $300 travel credit and 60,000 point signup bonus.
American Express Platinum is considered divisive due to its high annual fee and extensive benefits.
PayPal Mastercard offers 2% cash back on everything and 3% when paying via PayPal.
Transcripts
in this video we're going to be ranking
the most popular credit cards in a tier
list here so you can know the truth
about which ones are actually good and
which ones are just overrated like the
first credit card here that claims to
offer 2% cash back on everything but
doesn't fully deliver on that promise
and that is going to be the Apple card
now the Apple card has been in the news
a lot lately and it does give you 2%
back on everything but only if you're
paying with Apple pay on your iPhone or
your watch so if you want to use that
nice titanium physical credit card they
show off on their website then your cash
back actually gets d valued and
basically cut in half down to only 1%
back and this card does not even have a
standard signup bonus which almost all
other credit cards have in today's world
you do get 3% back and special 0%
financing on Apple products which is
cool but I would not suggest having a
credit card strategy that's based
entirely on benefits from just paying
for expensive Apple stuff so for those
Reasons I'm not a fan of the Apple card
and I'm putting it at the bottom of my
list here as overrated however for this
next credit card this is maybe just as
popular as the Apple card and it's
marketed everywhere so I'm talking about
the Discover It Card which I'm going to
rank here right in the middle of this
list in the B tier with the Discover It
Card you're going to get 5% back in
rotating quarterly categories that
change every 3 months to things like
grocery stores restaurants and Amazon
Plus you get 1% back on everything else
but the two things that make this a good
card are that first it's pretty easy to
get approved for which makes it an
excellent option for beginners and then
second discover is going to match
whatever cashback you earn with this
card in your first year that you have it
effectively that means in your first
year those 5% categories come 10% back
and then that 1% category becomes 2%
back on all other purchases but again
that's only for one year here so there's
not too much else exciting after that
but it's still a good card with no
annual fees so I think a lot of people
can get some really solid cash back
value here now if we want to talk about
top Tier credit cards then next we have
our first s tier card in this video that
not only has a huge signup bonus but to
some people it also might be the best
allaround travel credit card and the
best catchall credit card and that is
going to be the capital 1 Venture X now
the Venture X is going to have a
standard offer of 75,000 Mi that's worth
at least
$750 and then you also get 10x Mes in
hotels and car rentals booked through
Capital 1 5x M on flights booked through
Capital 1 and then 2x M on everything
else and that 2x M on everything else is
definitely better than 2% back with the
Apple card in my opinion because you're
earning more valuable miles in this case
and those miles can be redeemed for
travel instead of cash back and there's
also no restrictions on earning those 2x
miles now the Venture X does have a 3.95
annual fee but you get a $300 annual
Travel credit plus a 10,000 Mi
anniversary bonus every year which is
worth at least a 100 bucks at a minimum
so basically that annual fee and the
value from those two benefits sort of
just offsets each other on top of all
that you're getting airport lounge
access to Capital 1 lounges and some
other lounges as well plus a ton of
other good travel features and benefits
so a lot of value packed into this one
premium travel credit card and for those
reasons it definitely deserves a spot at
the very top of this tier list however
not everyone wants to pay $395 Upfront
for a credit card and and I completely
understand that so next here with an
annual fee of only $95 this travel
credit card is honestly a must have in
my opinion for anyone that wants easy
value and that is going to be the Chase
Sapphire preferred now with that $95
annual fee the sapphire preferred is
going to give you a $50 Hotel credit
every year you get a standard 60,000
Point signup bonus that's worth at least
$750 in value at a minimum for travel or
more if you transfer those points out to
partner programs like hayatt and then
you're going to earn points in a number
of ways like 5x on TR book through Chase
and 2x on any other travel plus 3x on
dining online groceries and streaming on
top of all that you get some nice travel
benefits like primary auto rental
coverage and my favorite part about this
card is that you can basically combine
the points you earn from certain other
Chase credit cards out there under a
Chase TR effect setup and that really
helps you to amplify the value of those
points that you earn from those other
cards as well so the sapphire preferred
is going to go into the a tier because
it's got a great bonus cheap annual fee
and again it works really well at the
center of the chase Trifecta but the
spending multipliers are really just
okay which is why I'm not putting it
into the top tier now speaking of the
chase Trifecta I want to rank those
cards next tier so for the freedom Flex
I'm going to put that right next to the
sapphire preferred up here in the a tier
as well and then for the freedom
unlimited card I'm just going to put
that a level below down in the B tier so
both the freedom flex and freedom
unlimited have no annual fee they both
get 5x back on travel book through Chase
as well as 3x back on dining and
drugstore purchases but then where they
differ is that the freedom Flex gets 5x
back and rotating cord to the categories
simil IL to the Discover It Card and
then the freedom unlimited card just
gets a flat 1.5x back on all other
purchases which makes this a decent cash
all credit card as well now you are
earning chase points here even though
Chase markets these cards is earning
cash back on their website and that is
important to know because like I said if
you have a Chase Sapphire card like that
Sapphire preferred then those chase
points here can be combined where you
get a lot more value by redeeming for
travel and I explain the process of this
stuff in more detail in another video
about the Chaser effective that I'm
going to link to down below if you want
to watch that after this but also so
both of these Freedom cards typically
come with a really nice signup bonus too
which can change from time to time but
those bonuses are usually in the range
of around $200 or so or really 20,000
chase points now the reason I'm putting
the freedom Flex card up here in the a
tier is because it's sort of like a
better version of the Discover It Card
with more spending multipliers and
higher value because it's earning chase
points here instead of cash back and
then I'm putting the freedom Unlimited
in the beat here because as a catchall
card it's only earning 1.5x back whereas
other cards out there like the Venture X
earn 2x back so I really would love to
see Chase bump that up in the future but
we'll see what they do now another card
that also gets 2x back on everything
that gets talked about a lot is the city
double cash card and I was going to put
this card in the C tier because normally
I think it's a bit overrated since
typically there was no standard signup
bonus however as I was making this video
I did see a new offer pop up for $200
cash back or really 20,000 city thank
you points and I don't see anything
saying that this is a limited time offer
so hopefully it's here to stay and if
that's true then what I'm going to do is
move it up here to the B tier now
because you're actually earning City
points here on the double cash you have
the option to easily convert that into
cash back or you can save up those
points and then combine them for more
value with the next credit card here
which is going to be the city premere
card that I'm also going to put in the B
tier as a solid travel credit card
option with the $95 per year City
Premiere Card you're getting a standard
60,000 Point bonus that's worth at least
$600 or more for travel with Transfer
Partners and then my favorite part about
this card are its spending multipliers
which I think might be some of the best
in the credit card game so you're going
to get 3x points per dollar on
restaurants supermarkets gas stations
air travel and hotels which is amazing
because that covers so many things now
the reason it's going to go in the B
tier and not highes because it is
lacking any other good features that
other $95 perear cards like the sapphire
preferred have and the city premere also
has no travel insurances or protections
that you would expect a travel credit
card to come with but again good signup
bonus great points multipliers and you
can create a city Trifecta with the
premiere double cash and also the city
custom Cash Card which I'm going to put
up here in the a tier next in this video
so with the city custom cash you're
getting a $200 bonus in the form of
20,000 city thank you points plus you'll
be able to earn 5x back in your highest
spend category every bailing cycle out
of 10 categories like restaurants gas
stations or grocery stores and what
credit card optimizers like myself here
really like about this unique feature is
that you can basically just pick one of
those 10 categories and sort of easily
lock in getting 5x back in that category
by only using the custom cash card for
that one thing that makes this card
highly customizable like the name said
and it also makes it the perfect no
annual fee credit card to basically
supplement any cash back or travel
credit card setup because you can redeem
City points that it earns for cash back
or again you can combine those points
with a city Premiere Card for more value
with those Transfer Partners so for
those reasons here there's very little
to dislike about the custom cash card
and it deserves to be up there in the a
tier now if you really want to be wowed
by a no annual fee credit card if this
next card here on this list you're
getting a $200 signup bonus plus 3% back
on dining entertainment streaming and
grocery stores and even 10% back on Uber
through November 14th 2024 so that card
is going to be the Capital One saver one
which I think deserves a spot here in
the top of this tier list up in the S
tier and the reason this is going to go
to the top is because again you get all
that value from the signup bonus and the
spending multipliers but you also have
good features like no foreign
transaction fees which makes the sa one
card a rare no annual fee card that's
very good for spending outside of the US
now all that is great if you're looking
for a solid cash back card but if you
pair the sa one with the Venture X and a
capital 1 Duo setup you're going to be
able to turn that cash back that you
earn from the sa one card into more
valuable Capital 1 miles and I explain
that in more detail in another video
about the capital 1 Duo that you can go
ahead and check out later at the link
down below and also if you haven't
already make sure you subscribe down
below too because it's completely free
and apparently over 80% of you are
actually not subscribed yet according to
my data so let's see if we can get that
number down to 70% so make sure to go
ahead and subscribe now I've got two
more credit cards next year that also
earn 3% back in a lot of good ways so
those are going to be the Blue Cash
everyday card from American Express as
well as the autograph card from Wells
Fargo these cards also both have no
annual fee and for the Blue Cash
everyday you're going to earn 3% cash
back on groceries at US supermarkets 3%
back on us online retail purchases and
then 3% back on gas at us gas stations
plus you get a $200 statement credit as
a bonus as well as credits to partially
cover the cost of the Disney bundle and
home Chef however this is a cash back
card and those 3% categories are also
limited to earning 3% back on only up to
$6,000 of spending in each category per
year so I wish there wasn't a spending
cap like that which is why I'm going to
rank this one up here in the B tier then
for the Wells Fargo autograph this card
is going to give you a 30,000 point
signup bonus that's worth $300 and a
minimum plus it's going to earn 3x
points per dollar which is worth at
least 3% back in a bunch of different
categories including restaurants travel
gas Transit streaming and phone plans
and then there's been news out there
that apparently Transfer Partners are
coming to the autograph card pretty soon
so for me right now I'm going to put the
autograph card up here in the B tier but
honestly it is kind of an underrated
card since a lot of people don't like
Wells Fargo that much even though it is
a really good card and Wells Fargo seems
to be working on bringing out new travel
credit card products in the near future
as well now next here I've got two cards
that I get mail offers for all the time
and I had to include for fun because
it's honestly kind of laughable at how
bad they are so that would be the luxury
card gold and black Master cards the
gold Master Card has a $9.95 annual fee
and the blackm card cost $4.95 per year
and they're made out of metal so that's
all cool here but they've got no signup
bonus they're basically just cash back
cards that earn 1.5 to 2% back so
there's no way you're pretty much ever
going to justify paying those huge
annual fees so I think they just try to
get people to sign up thinking they're
these luxury cards or something with
these mail offers but definitely avoid
these cards because they're going to go
down here in the D tier next we've got
the AMX Green Card which I'm going to
put over here in the C tier as a bit
overrated in my opinion which might be
controversial and that's because for a
car that has a $150 annual fee the value
that you're getting just doesn't quite
feel like it's there there you're going
to be able to earn 3x points per dollar
on travel Transit and dining which does
include a lot of things here especially
if you live in a city and you're
spending on a wide variety of travel
expenses but there's plenty of no annual
fee cards that also get 3x on dining and
you'd have to spend a lot on travel and
Transit just to basically break even
with the annual fee now you do get a
standard 40,000 Point signup bonus on
the green card but that's still not a
great offer compared to other MX cards
out there or even other cheaper cards in
the market that have 60,000 points sign
up bonuses and then there's not too many
other features in benefits other than a
clear credit so yeah for me the green
card is just kind of below average and
belongs down here in the CTI until AMX
updates it or something like that now
another card that's popular but I don't
really recommend that much is going to
be the Capital One Quicks silver card
which I'm also going to put over here in
the C tier and this is a very good
beginner card that's usually pretty easy
to get approved for it's got a decent
$200 bonus plus it gets 1.5% back on
everything and has no foreign
transaction fees however it's just a
simple 1.5% cash back card at the end of
the day and with that new new $200 bonus
on the city double cash you're going to
be better off getting 2% back on
everything with that card there instead
of 1.5% back on the quick silver so
again it's a good card for beginners but
not good enough compared to the
competition which is why it's going to
be ranked here in the C tier for me next
we have the US Bank altitude go card
which has no annual fee and no foreign
transaction fees it's got a 20,000 Point
bonus that's worth 200 bucks and then
it's going to be a great everyday
spending card by getting 4X points per
dollar on dining takeout and delivery
and then 2x on groceries stores grocery
delivery streaming gas stations and EV
charging now US bank cards can be a
little bit more difficult to get
approved for and this is also just more
of a cashback card because US Bank
doesn't really have a great travel
program so you are kind of limited so
I'm putting the altitude go- card over
here in the B tier and honestly most
other US bank cards are going to go
there as well as good underrated cards
for some people but if you want a card
that I think is much better than the
altitude go which gets 4X back at
restaurants as well as 4X back at US
supermarkets and then 3x back on flights
in the four form of valuable AMX mrr
points and the MX gold here is going to
be next and that might be one of the
best overall cards in the market which
is why it's going to go up here in the
top s tier now you do have a 250 annual
fee but you get up to $240 in annual
Uber and dining credits that can help a
lot of people to offset that fee plus I
personally think that American Express
has some of the best offers out there
with different retailers that typically
save me at least 50 to 100 bucks extra
every year with this card you can also
find nice welcome bonuses on the AMX
gold that are typically in the range of
60 to 75,000 points worth at least $600
to
$750 but the top two things about this
card are that it's so great with food
spending with those 4X Point multipliers
and then those points can be redeemed
for travel for a lot of value with
Transfer Partners because American
Express partners with some of the best
partner programs now just like most
credit cards the AMX gold is not going
to be perfect for everyone so make sure
you go ahead and check out my full
three-year review I did on the gold card
and my experience with it but I want to
move on next here to the Amazon Prime
Visa card which is going to be another
card with no annual fee this one gives
you a $100 Amazon gift card as a bonus
immediately once you get approved you
get 5% back on Amazon Whole Foods and
Chase travel plus 2% back on gas
restaurants and local Transit and
commuting so with all that there plus no
foreign transaction fees as well if
you're into cashback setups or you just
want to lock in getting 5% back on
Amazon and if you're a Prime member and
this card is going to be a no-brainer
must have card and it goes up here into
the a tier now for some travel credit
cards next tier let's start by talking
about the built Master Card which is a
very very unique card for people like
myself that pay rent this card has no
annual fee it earns 3x built points per
dollar on dining 2x on travel and then
1X on rent and everything else but the
important thing here is there's no
transaction fees when paying rent with
this card whereas most other credit
cards out there charge you an extra 2 to
3% so with the built Master Card you can
earn up to 100,000 buil points per year
depending on how much you pay for rent
so for me that ends up being around
27,000 points per year and those build
points are possibly the most valuable
out of any point currency because built
partnered up with some really great
Transfer Partners like hayatt and
American Airlines so for me my 27,000
buil points that I earn per year usually
gets me at least $540 in free travel at
a minimum just by paying rent which I
have to do anyway so for those reasons
and because this card has no annual fee
I'm putting the built Master Card up in
the a tier here with the only downside
being that there's no standard signup
bonus but for this card at least it is
maybe a little bit more understandable
because it does offer that unique
benefit for paying rent and earning
points with no fees next here we've got
the Chase Sapphire Reserve which is
basically just the more premium version
of the Chase Sapphire Preferred Card
that we talked about earlier so this
card has a more expensive 550 annual fee
but it comes with a $300 annual Travel
credit to partially offset that fee and
then you also get a 60,000 Point bonus
10x on hotels and car rentals and then
5x on flights booked through Chase and
then 3x on any other travel and dining
plus there's a 50% points boost feature
if you book travel through chase by
using your points you also get Airport
lounge access with priority pass and the
new Chase Sapphire lounges that are
starting to roll out across the country
so for me the choice between the
sapphire Preferred Card and the sapphire
Reserve really all just depends on what
you're looking to get out of these cards
so I made a separate video comparing
these two that I'll link to down below
but this is a very good card that I'm
going to put up here into the a tier
next we got to talk about the star of
the show in the premium credit card
space that competes with the sapphire
Reserve as well as the Venture X card so
that is going to be the AMX Platinum
that people seem to be really divided
over and that's why I'm going to place
it over here in the B tier for my
rankings it's me and many other
Travelers that obsess about the numbers
and sort of nerd out about optimizing
our setups the platinum card is great
because it's got a ton of credits that
help to offset the $6.95 annual fee but
to many other people the joke is that
it's sort of like an expensive metal
coupon book because there's just so many
credits and benefits that you got to
keep track of there's still definitely
good value here with the signup bonuses
that can range from 880,000 to 125,000
points you can earn 5x on flights and
then 5x on pre paid hotel bookings
through AMX plus there's a ton of other
great travel protections and benefits
like airport lounge access which
includes access to the large network of
AMX and train lounges so again I think
it's a good card and I would probably
put it in the low a tier myself but with
a larger audience in mind I think the
work can sort of just become a headache
here so I am going to put it over in the
B tier next we've got the Wells Fargo
active cash which is just another solid
cashback credit card earning a flat 2%
back on everything and a $200 signup
bonus with no annual fee but out of
those features there's really not much
else to it outside of a cell phone
protection benefit so it's another good
catch- all card that's competitive with
that 2% rate but just average other than
that so it's going to go over here in
the B tier as well after that we're
going to jump over to another catch all
card that really does not get talked
about enough which is going to be the
PayPal Mastercard that also earns a flat
2% back on everything but the cool bonus
feature here is that you also get 3%
cash back if you pay with PayPal which a
lot of websites offer when you're
shopping online the downside here is
that once again again there is not a
standard signup bonus offer so if there
was a signup bonus then I would put this
card up in the a tier as a cash back
card but without it I am going to put it
over in the B tier again as a good
option for anyone that is on team cash
back then next I want to rank the chase
world of Hyatt credit card because Hyatt
has one of the strongest programs in
terms of points value since you could
still find a lot of great deals by using
Hyatt points but for this credit card
itself I would say it's sort of just
okay or around average it's got a $95
annual fee and you get a free night
award every single year with a category
1 to four highed property so that free
night is easily going to be worth more
than $95 because for example I'm using a
free night in a few weeks for a property
that normally would charge $39 per night
so with this feature alone it's a card
that belongs over here in the B tier as
a hotel keep keeper card but the sign up
bonus and the spending multipliers are
really not that great honestly just
because you get 30,000 points which is
okay after spending $3,000 then to get
another 30,000 points in this bonus you
got to spend $155,000 it's good for
spending it high properties but other
than that I don't really use it that
much for any other spending with below
average multipliers that it has so again
for me it's going to go here in the B
tier we're going to stick with Hotel
cards and go over to the $95 per year
Chase Marriot bonvoy boundless card next
TI which I'm going to put over in the C
tier below the high card you do get a
free night every year with this card as
well which is worth up to 35,000 points
but I'll be honest in most cases
Marriott points are pretty bad and
they've been devalued so much so 35,000
Mar out points barely gets you anything
good in many cases and because the
points are worth so little I would never
even consider using this card for its
Point multipliers so the boundless card
here in my opinion is just going to go
in the C tier because signup bonus can
be okay since I did get a limited time
offer of five free nights worth up to
50,000 Points each but other than that I
don't really think it's that great of a
hotel keeper card now for a more premium
Marriott card with the AMX Marriott
bonvoy brilliant I'm going to put this
one A step above the boundless over into
the B tier but only for somebody that
stays at marott properties a lot because
you're going to get automatic Platinum
Elite status which gives you a free
breakfast benefit that can save you some
money over the course of a year plus you
get more upgrades up to $300 in dining
statement credits and a free night worth
up to 85,000 Marriott points which
actually can be valuable but there is a
big 650 annual fee so again you got to
analyze those benefits versus that cost
and then look at how often you stay at
Marriotts but for me this is a middle B
tier card we might as well jump over to
a Hilton card as well here with one that
I think most Hilton loyalists should
look at which is going to be the Hilton
on Aspire card from American Express
which has a $550 annual fee but with
that you're going to be able to buy your
way to the top tier Hilton Honors
Diamond status which gets you upgrades a
food and beverage credit for stays and
then some other benefits like that
however with the ability to basically
buy status by getting this card that
means more people are going to have
Diamond status so that might be less
valuable than other top tier statuses
with other Hotel programs you also get a
really valuable free night award for use
on any property so a lot of people like
to pick a more expensive hotel to get
more value from this free night award
and there's also a bunch of other
credits here on this card that can help
you to justify that 550 fee but again I
would say this card is only for Hilton
people so I am going to put it over here
into the B tier for Airline credit cards
from Airlines like Delta American and
United I could try to rank each one of
these individually but honestly what I
would recommend is that people only get
cards that make sense for what you fly
the most and I would say that most of
them just fit into the B and C tier
anyway so I would really focus on
earning flexible points currencies from
Banks like Chase AMX capital and City
first that's because those points there
they just give you more options for
redeeming them now the problem with
ranking all these credit cards is that
it can be really tough to pick out which
ones you should get together that's
going to create the best setup for you
and give you the most value so that's
why I went ahead and made this video
over here on the only five credit cards
you need so definitely go ahead and
check that out next but as always thank
you so much for watching and I'll see
you in the next one
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