I Ranked Every Credit Card (Here’s What’s ACTUALLY Good)

Summary

This 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

00:00

💳 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.

05:01

🏦 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.

10:02

💸 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.

15:02

🚫 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.

20:03

🛫 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.

Keywords

💡Credit Cards

Credit cards are a payment card issued by financial institutions that allow cardholders to borrow funds and pay for goods and services. In the video, credit cards are ranked based on their popularity and benefits, such as cash back and travel rewards. The script discusses various cards, like the Apple Card and Discover It Card, emphasizing how they cater to different consumer needs.

💡Cash Back

Cash back refers to a reward system where cardholders receive a percentage of their purchases returned to them, typically as a statement credit or direct deposit. The video script evaluates credit cards based on their cash back offers, such as the Apple Card's 2% cash back on all purchases when using Apple Pay.

💡Tier List

A tier list is a ranking system that categorizes items into different levels of quality or value. In the context of the video, the tier list ranks credit cards into tiers like 'S Tier' for the best cards and 'C Tier' for average ones. This helps viewers understand which cards offer the most value.

💡Signup Bonus

A signup bonus is an incentive offered by credit card issuers to new cardholders upon approval, often in the form of points, miles, or cash back after meeting a minimum spending requirement. The video script mentions that the absence of a standard signup bonus can make a card less attractive, as seen with the Apple Card.

💡Discover It Card

The Discover It Card is a specific credit card mentioned in the script that offers 5% cash back in rotating categories and 1% on everything else. It's ranked in the middle of the tier list due to its balance of accessibility and rewards, making it a good option for beginners.

💡Capital One Venture X

The Capital One Venture X is a premium travel credit card highlighted in the video for its high signup bonus and versatile rewards structure. It's placed in the 'S Tier' due to its extensive travel benefits and high value rewards, exemplifying a top-tier credit card.

💡Chase Sapphire Preferred

The Chase Sapphire Preferred is a travel credit card that offers a balance of rewards, bonuses, and travel benefits. It's mentioned as a card that's part of the 'Chase Trifecta' and is placed in the 'A Tier' for its combination of a reasonable annual fee, valuable rewards, and travel perks.

💡City Double Cash

The City Double Cash card is noted for offering 2% cash back on all purchases. The video discusses how the addition of a signup bonus can elevate its ranking to the 'B Tier', emphasizing the importance of bonuses in card valuation.

💡Travel Credit Cards

Travel credit cards are a type of card designed to reward cardholders with points or miles that can be redeemed for travel expenses. The video script ranks several travel credit cards, such as the Venture X and Sapphire Preferred, based on their benefits and annual fees.

💡Annual Fee

An annual fee is a yearly charge for maintaining a credit card account. The video script discusses how some cards, like the Capital One Venture X, have annual fees that are justified by the value of their benefits, while others may not offer enough value to justify the cost.

💡Spending Multipliers

Spending multipliers are bonuses that increase the rewards earned on specific categories of purchases. The video script uses spending multipliers as a criterion for ranking cards, favoring those with higher multipliers in valuable categories, like the City Premiere Card's 3x points on various spending types.

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