"Have you ever gotten a free flight because of your Delta SkyMiles card? Or maybe a near-impossible restaurant reservation thanks to your platinum American Express card?"
"I'm not good with credit cards because I feel like the money is a gift, and then when I have to pay it back, I feel really wronged."
"Spending money on plastic just doesn't seem like spending real money, but there is a real cost to credit cards that completely destroys your ability to build any sort of wealth."
"The banks quickly realized that the credit card was a natural for them, because banks are in the business of helping us make payments, and they're in the business of granting credit. The credit card does both."
"It's easy to put things on credit cards thinking you'll pay them off later, and then before you know it, you're struggling with debt."
"It's almost like playing a game of chess, except with your credit cards."
"Don't be afraid of the annual fee... the credits make it worth it."
"Zero percent intro APR credit cards are absolutely a lifesaver."
"Credit card companies reward you with free cash free rewards free trips if you know how to spend your money the right way."
"When your credit card expires they don't tell you 'hey your credit card,' they tell you three months later when you go to turn on your TV and your power's off."
"Credit card companies make more money from processing fees than they do from interest."
"Why so many Americans have stopped paying their credit cards."
"It's these things called business credit cards that they don't really teach us in school or ever really in life."
"Don't close old cards - it helps your credit history."
"The Bank of America Cash Rewards Card is a credit card I would recommend adding into the mix."
"For your best results, follow these general rules before you apply for a card or apply for an increase."
"I would say one of my biggest mistakes was I really did not believe in credit cards when I was younger."
"I might be getting a credit card for the first time, believe me, I don't have a credit card. Crazy, yeah boo-boo yes is a little bit left."
"Interest never really gets a chance to accrue because it's like a credit card."
"If you're just getting into credit cards do not get a card that you have to pay an annual fee for because um a lot."
"Credit card perks feel like free money, you know because like you could be spending... just enough to... buy gas and groceries every month."
"The next essential is having a good travel credit card."
"Just take advantage of all of these free perks and features that the credit card offers."
"A hundred thousand bonus point offer was not going to be around forever."
"The golden era of credit card churning is likely going to be coming to an end."
"AMC branded credit cards might work really well for both the holder and us as the company."
"As much as people crap on the fact that the platinum card is now a coupon book, I feel like it always kind of was."
"The Platinum Card is becoming more of a mini Centurion."
"Generally speaking, if you don't have an American Express relationship, they really try to target you with really good offers."
"75,000 Hilton Points if you spend just one thousand dollars in the first three months."
"Five times the reward points when you spend at US grocery stores, restaurants, gas stations."
"60,000 Delta SkyMiles if you spend $2,000 or more in the first three months."
"Maximize the highest earning potential of your credit card on the purchases you're already gonna make."
"I am a huge proponent and believer in credit cards."
"You should never spend a single penny in interest on a credit card."
"When used correctly, credit cards are still the very clear winner."
"It's official: I have found the absolute best credit cards that exist."
"Keep your credit cards open... build an amazing credit history."
"You can put 10,000 on your credit card today, pay it off in its entirety tomorrow and they're not going to care."
"Interest is like 15, 20, however much it is. That's so insane if you can pay it off in full each month."
"The biggest thing in credit cards: sign-up bonuses."
"For example, if you spend $3,000 in the first three months, you get 50,000 points."
"Chase and American Express are hands down the best."
"American Express is hands down the way to go."
"Chase is actually one of the best in my opinion in terms of flexibility with their points."
"Discover features that and also your total credit card balance."
"That ease of mind is like free insurance that I normally would pay more with for Apple and I'm getting that completely with the benefits of that credit card."
"Cards that get us cash back and take us on flights that we thought weren't possible for people outside of the 1%."
"Chase Freedom Flex... I still think it's the best no annual fee credit card out there."
"The amex gold card... is one of the most iconic cards when people think of premium credit cards."
"The built MasterCard could be one of the most valuable no annual fee credit cards out there."
"If you spend $400 a year traveling, you need this card. Period."
"The main takeaway is that if you're a foodie, I think the Chase Sapphire Reserve via Chase Dining can do a lot more damage than you think."
"The main thing is I don't want you to get screwed because you see 5x back versus 3x back and you think it's more value."
"One of the more interesting options within City is going to be the American Airlines Platinum card."
"Main thing with City is that we added three cards: Custom Cash, Premier, as well as the American Airlines Platinum."
"Always apply for cards that help you achieve your goals, whether they're cash back focused, to invest, or to get travel rewards for a trip of a lifetime."
"I am declaring this card officially on this channel as one of the most underrated credit cards for this year."
"The Chase Trifecta is the Avengers of the credit card world."
"Credit cards are not going to help you build wealth, they're actually going to steal it."
"It's the last call for increased offers for the Chase Ink Cash and the Chase Ink Unlimited."
"If you can manage credit cards and you're paying them off every single month... that can be effective."
"I do not have any credit card debt as I pay my bill in full every month."
"You never pay just your minimum on your credit cards, always try to pay the balance."
"If you only pay your minimum every month, you won't wind up paying off your credit card for like 10 years."
"I'm not gonna use my credit cards anymore."
"Foreign transaction fees? Check your credit card benefits."
"If you pay your credit card balance off in full on time or early, you will never have to pay a penny in interest."
"They're flooding the country to get these credit cards."
"Really only use rewards earning credit cards if you're paying off your balance every month."
"If this is your first credit card, do not allow that first month to be wasted on reporting a$ zero utilization."
"When you first get your credit card, make sure that you report a very small balance."
"Depending on your goals, I would say you should always have an everyday credit card, an emergency credit card, and a card for just your personal spending."
"Not a thing wrong with credit cards if you use them for convenience and you can handle them responsibly. Not one thing."
"Credit card companies are legalized loan sharks. What they do is they give credit cards to people who they're hoping won't be able to make the monthly payments because that's where they make all their money."
"How much can you actually earn through credit card rewards?"
"The best way to use them is if you're paying them off every single month to maintain a high credit score."
"We could spend on a card, it's incredible."
"Pay your credit card balance in full every month."
"Here's my beef: these credit card companies are not your friend. I don't know why anyone would elect to add additional stress to that situation."
"But you also don't know that, but you do know that she had access to his credit cards because she made these purchases or at least looked at maybe making these purchases, correct?"
"Credit cards also come to us, that's how predatory they are, they're in the streets, banks send them out, is that crazy?"
"For some reason, credit cards are a magic something that you just, I mean seriously."
"Number one should be tearing up all the credit cards and never using them at all ever."
"When properly educated, credit cards can transform into some of the most powerful allies in your own financial journey."
"Play it safe, play it smart, and just follow the rules. Even by following the pathway of what the issuers have set up, you can still rack up heaps of points."
"Do not apply for too many business credit cards all at once."
"You really only need about five good credit cards to get hundreds or even thousands of dollars in value every single year."
"I use debt. I don't let debt use me. I pay off all of my credit cards every month down to zero balance and I pay and we've done as much as 450,000 on our credit card in a single month."
"If you're looking to travel more this year or next year, or if you're just trying to start building up points to take your dream vacation, I highly recommend getting one of these cards."
"Pay your credit card off in full."
"Make sure you watch this video until the end because the five credit cards we're talking about today, they're the perfect travel cards for everyone watching this video."
"Overall, I think this is one of the best travel credit cards for beginners. Has an ultra-low annual fee which still gets you access to a bunch of premium features."
"So the second I get paid I immediately the first thing I do is I pay off my credit card and bring the balance back down to zero."
"Carrying cash while traveling... is no longer needed as much being that so many places accept credit card as well as a lot of transactions are now done on the internet."
"Credit cards are fun and everything, but when you start getting a lot, like they made us, you know, the other day, I got approved at Ulta and Sephora for like who knows how much money."
"Get out of credit card debt up to twice as fast with Tally."
"If you are not taking advantage of credit card reward programs, you're essentially paying for those people who are taking advantage of them."
"...using my credit cards in combination with my simple budgeting method has really been the perfect Solution."
"And then I manage the renovation expenses on my credit cards throughout the entire process."
"Credit cards have sort of become the perfect tool to help me reduce my expenses while also just being a lot more purposeful with my money."
"The upgrade credit cards is designed to offer flexibility and simplicity providing users with predictable payments and manageable credit."
"You can earn up to 1% in points for everyday purchases."
"The Apple card rewards you with 3% back at Apple and selected merchants."
"Credit cards offer you more protection on your purchases."
"Please go to ProudMoney.com where we do credit card reviews, we talk personal finance, we talk deals and all sorts of other fun stuff too."
"Why would they give you free [expletive]? Why would credit card companies give you all this free money? Well, that's how they bring people in, right?"
"What I've done is set up automatic payments to pay off the complete credit card bill every month to avoid being charged any interest. I also only buy things with my credit card that I know I can afford and pay back within a month."
"Let's face it I'm using credit cards to eat under $50 what does that tell you"
"When those cards got taken from me, I gotta be honest, that was one of the biggest heartaches of my life. I had 10 credit cards calling me at different places."
"Now the Apple card has a zero fee credit card."
"You have zero fees in terms of late fees or foreign transaction fees."
"...I just don't think that there is really as popular of a credit card on the entire credit card Market or one that can really compete with the earning categories of this card."
"Earn the credit card reward you deserve."
"When you're using credit cards, it's really like cash. Liquidate the credit cards and think about the power of having the knowledge of how to leverage your credit to get zero percent interest credit cards in the purchase of real estate."
"If you're able to get a welcome bonus offer or you just calculate the points that you earn from spending on that card, you realize you're still making money."
"A credit card isn't a magic money dispenser. What you spend must be paid for."
"Too many of us over rely on using credit cards to sponsor our lifestyles... learn ways in which you can take control of your finances."
"...for people who might prefer the sapphire preferred over the reserve card instead which was me for the past 4 years, first of all if you just want the lower upfront annual fee with less work to justify that fee then the $95 per year CSP is the better pick."
"The Capital One Saver One, an amazing card in and of itself."
"The Capital One Venture X, when paired with the Saver One, shines even more."
"If this video inspired you to go out there, get personal credit cards, take advantage of the rewards, then I'll be happy."
"Credit cards have been able to give so many people really amazing travel experiences, memories that will last a lifetime."
"And I would implore you to do the same because the mistake of having just no annual fee credit cards could be holding you back from unlocking some incredible value."
"Credit cards are one of the most powerful financial instruments that the everyday person has access to."
"...what we really want to show Chase here is that we intend to be good long-term customers for them by getting these credit cards sort of the right way."
"Being organized with credit cards, especially for points, is super important."
"It's so crazy, it's money thrown away. I mean, that's why we completely stopped using credit cards and changed our mindset to pay as much as we can with anything we have additional."
"I think it's beneficial for people who can utilize them because, again, I like to finesse everything. If I'm getting 2% cash back with the Citi Double Cash, I'm getting a 2% discount on all my purchases, essentially, if I can manage it right."
"Just pretend it doesn't exist. Credit cards should only be used for normal expenses that you're going to spend money on anyway."
"Understanding and optimizing credit cards is the foundation of your credit-building history."
"Organization is key in managing multiple credit cards."
"0 annual fee that I mentioned in the intro, this is amazing with any credit card."
"...shifting your outlook like this is going to lead you away from looking at credit cards as debt and a liability."
"This card can be absolutely fantastic for anybody no matter how advanced their credit card strategy is because of the spending multipliers and of course that no annual fee."
"It's my belief that 90% of the credit card Market is looking to keep things mostly simple."
"With the Venture X like I said authorized user cards are free and second the authorized user cards for the Venture X actually get a lot of the same benefits that you get as a primary card holder."
"The AmEx gold might be one of the best credit cards in the world for this."
"This is one benefit of credit cards that I regret never using much I kind of saw it as risky and unnecessary my first thought has always been to work it out with the merchant but from now on I'll consider disputing the transaction at the business tries to do me dirty."
"In my opinion the AmEx gold is one of the best credit cards on the market."
"They are the ideal credit card customer, the ones that make you the most profit."
"Our first sponsor is Jo's credit card."
"If Visa is spelled 'V-Y-Z-A,' that's a fake credit card."
"The Payment Card Industry Data Security Standard (PCI DSS) is a cybersecurity framework supported by major credit card companies to keep credit and debit card numbers safe."
"You could do what most people would do, which is just to put that purchase on a credit card, but that would cost you an additional 20 to 30% in interest, and that would be irresponsible."
"It's scary out there guys protect yourself especially when it comes to something as potentially dangerous as credit cards."
"Hotel credit cards are generally bad for three main reasons."
"If you can't manage money, don't have credit cards."
"The more colorful your credit cards are the more broke you are, yeah and I know because my [expletive] looks like the rainbow."
"The average person in America has four active credit cards in his or her wallet."
"Some of the biggest welcome offers on planet Earth right now for no fee cards."
"It makes it a great beginner luxury travel credit card for those that are just trying to get their feet wet."
"It's honestly may just be worth getting this card first just to get that sign up bonus before going ahead and getting a card like the Hilton Aspire."
"For the majority of people, I would imagine that the only reason you'd have this card in your setup is because you downgraded from a higher tier Chase Marriott card."
"Every single time you get paid, all of it or almost all of it immediately goes to the card."
"I don't think there's a banker somewhere twiddling their mustache and being like 'Ah, I'm going to get everybody on the credit card float.' But it is a systemic problem."
"I hated the idea of paying interest, so I did try to avoid that. It might depend on how much you're floating, like if you're a person who's like, 'Oh Ben, I'm not that dependent on the card, like I can go without the card for 12 days...'"
"If you're going to do it the long way where you still pay the card in full but try to reduce your spending as much as you can to get less and less off that float over time, stop using the card. Use cash instead, yes, at least until you get off this credit card float situation."
"Step three: debt isn't evil. Credit cards are great as long as you pay them off."
"...by using my credit card points, transferring them over, I'm not only saving ten thousand dollars but I'm tripling the value of my American Express points."
"It looks like your spends, how you value the points, and all the other credits and perks. It takes all this into account and spits out a number for year one, year two that's specific to you."
"The best card used to be Chase Sapphire."
"Credit cards are like this secret tax that people don't even realize that they're paying."
"If you enjoy watching this video I think you would like watching this one where I talked about how to reduce your taxes in Canada and this one where I shared how to read your credit card statements because we both know you need to seek financial education."
"The benefits of credit cards: You don't have to evaluate the credit worthiness of your customers. You get your cash quicker. It opens up a whole new customer base that maybe wouldn't buy from you if you didn't offer the credit card option."
"1.5 percent in today's landscape is pretty mediocre when you have cards like the city double cash offering a flat two percent."
"The Capital One Duo setup is really worth it if you're the type of person who likes to travel but you also really like a simple setup that covers a lot of regular spending categories really well."
"This is why the Chase Sapphire Preferred Card is still one of the best beginner travel credit cards out there, and as long as you know how to use it correctly and use it towards your advantage."
"Credit card companies also won't tell you that you can have duplicate cards and literally get double the rewards in the same categories."
"...using a credit card is the only way to truly come out ahead."
"...credit card companies have a sneaky little provision that lets them change the terms with a surprisingly short notice."
"When credit card companies ask you to activate bonus categories, they're playing a psychological trick on you."
"...they use a process called bucketing to make them look more profitable to shareholders but it leaves their card holders in a position where it's extremely hard to increase their credit limits."
"Paying off your cards on time and in full will make you never have to worry about these penalty fees."
"City is known for handing out great retention offers for their City Premiere Card."
"The Chase Sapphire Reserve is one of the most overlooked credit cards in the entire credit card game."
"I typically use my Virgin credit card to get air miles for personal purchases and then my American Express business card for anything business related."
"Just from credit card rewards. Yes, it's over a long period of time, but it just shows you the power, not only of credit card rewards, even relatively small dollars, but also the power of compounding."
"I think for a lot of people, the best card is going to be this one, the Amazon Prime card."
"build points are the most valuable points in the entire credit card ecosystem"
"if you are somebody looking for the most valuable no annual fee credit card on the marketplace today this is the card you jump on"
"this card is an absolute no-brainer"
"We carry a lot of travel credit cards with us based on our needs."
"I'm all for using credit card rewards as long as you are paying off your credit card in full every month and you're not carrying over a balance then it's great to utilize those Rewards."
"Save with Conrad.com can help you consolidate all of your high interest rate credit cards into one much lower monthly payment."
"It is so much easier to avoid credit card debt than getting out of credit card debt."
"I actually have a credit card that I use. I'll pay the wedding expenses with the credit card and then I'll immediately transfer the money from the wedding fund to pay off the credit card quickly."
"Credit card skimming is a frightening reality of website hacking."
"...some of them will have like a sign-on bonus where it's like, 'We'll give you 60,000 points,' and you're like, 'Oh my God, that's a lot of points,' and then you look at it and it's like, 'You can buy cereal.' You're like, 'Ah, cool.'"
"If you get a credit card, treat it like a debit card. Pay it off in full every single month."
"There is one and only one way to appropriately use a credit card: pay it off in full and on time every single month."
"Every credit card company is going to offer you some kind of bonus."
"The American Express Membership Rewards cards have really bumped up their welcome bonuses in recent months."
"If you're not earning points on every dollar you spend, you are financing my points."
"Credit cards visas MasterCards were widely accepted in New Zealand."
"The real big points come from the incentives that some credit card companies offer for new card users."
"Credit cards played such an important role... provided free hotel nights, upgrades, and opportunities to earn 2% to 10% back."
"...we were always quite against um credit cards in the past um obviously you can build up debts and stuff like that so use them wisely."