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Scott LeRay
Scott LeRay
Scott LeRay
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On this channel we discuss how to obtain and use travel reward points earned by credit cards as well as basic financial education.

Milestones:
First Video Published - May 31, 2019
100 Subscribers: July 20, 2019
500 Subscribers: January 20, 2020
1000 Subscribers: April 25, 2020
HELP!   I MUST Cancel One of These Cards
9:38
5 месяцев назад
What's In My Wallet Q1 2024 (5 Country Trip)
11:42
7 месяцев назад
How I Saved THOUSANDS on TRAVEL!!!  |  MUST WATCH
13:16
8 месяцев назад
The 3 Best Credit Cards for Authorized Users
8:17
8 месяцев назад
4 REASONS THE AMEX PLATINUM CARD IS NOT YOU
6:24
10 месяцев назад
How To Redeem U.S Bank Altitude Points
6:11
10 месяцев назад
How To Redeem Wells Fargo Go Far Rewards
8:03
11 месяцев назад
Комментарии
@user-by1jt7go6v
@user-by1jt7go6v 16 часов назад
Nice informative video. Are you sure its 4 priority pass visit per year or its per card?
@justinkirschner5184
@justinkirschner5184 17 дней назад
Capital One always has the most straight-forward options, it seems. Really love that amount of flexibility. That coupled with the price match, flight disruption/sometimes flight insurance, and price freeze makes me really enjoy using them! It's a shame the other travel portals don't really keep up with that.
@ScottLeRay
@ScottLeRay 17 дней назад
I totally agree
@Xavier_ID.
@Xavier_ID. 23 дня назад
👍🏼👍🏼. I can’t see myself getting this card. Might be great for the road warriors out there though.
@ScottLeRay
@ScottLeRay 23 дня назад
💯
@Slaize
@Slaize 28 дней назад
I was just in Dallas and the centurion lounge was extremely packed, this one seems to have better snack options as well.
@ScottLeRay
@ScottLeRay 26 дней назад
I loved it
@sudhisira
@sudhisira Месяц назад
Very informative video. Btw, I read somewhere that you could pay the annual fee using the miles on the card @ 1.5 miles per dollar. Which means the annual fee is about 6,333 points. If you get a SUB of 50K points, that covers nearly 8 years of annual fees - EVEN IF you didn't use the card anytime during all those years.
@ScottLeRay
@ScottLeRay Месяц назад
😎💪🏿😎
@Emily-ij4nx
@Emily-ij4nx Месяц назад
I want to go to that airport lounge, please because its so luxurious and super modern and cold there.
@ScottLeRay
@ScottLeRay Месяц назад
Try is out. It's nice
@monicap9662
@monicap9662 Месяц назад
This is exactly what I needed to see. I just booked my first business class flight, and I've never visited a lounge before. I've been looking for information about which lounge I would be allowed to visit since Copa doesn't have its own lounge but is part of the Star Alliance. You made it very clear who has access. Thank you. I have such an early flight. I hope there's a comfy seat and some hot coffee for me tomorrow morning.
@ScottLeRay
@ScottLeRay Месяц назад
Let me know what you think about it after you visit
@monicap9662
@monicap9662 23 дня назад
@@ScottLeRay As it turned out only the Turkish Airline lounge was open the morning of my flight. It was nice. Small but comfortable and the breakfast selection had something for everyone. . Everything on the breakfast buffet was delicious and the correct temperature.
@anamarcelino7281
@anamarcelino7281 Месяц назад
Amazing video!!
@ScottLeRay
@ScottLeRay Месяц назад
Thanks!
@msharrieff5119
@msharrieff5119 Месяц назад
I had 2 Amex that were cancelled unpaid them off and I still can’t get a new Amex card.
@ScottLeRay
@ScottLeRay Месяц назад
Wow
@msharrieff5119
@msharrieff5119 Месяц назад
@@ScottLeRayI am a points and miles traveler. After I paid off the accounts I was offered Optima card, my accountant said to decline the offer. Ever since, I have not been able to get approved again. I received a mailer for Hilton Aspire and was declined a few days ago. I only want to obtain an Amex because those points matter for me.
@jasonkegler5622
@jasonkegler5622 Месяц назад
The annual fee is now $650, but in my opinion, still worth it.
@ScottLeRay
@ScottLeRay Месяц назад
I haven't flown Delta in a while, but it's definitely worth it for someone who flies very often
@dream_chaser5879
@dream_chaser5879 Месяц назад
I have a Venture but it was a product change, I was never able to get the sign up bonus. I wonder if I could apply for a second one. 🤔
@ScottLeRay
@ScottLeRay Месяц назад
It super hard to get a second Venture card
@akanda_omo
@akanda_omo Месяц назад
I was able to get both the Venture and Venture X, so try checking their pre-approval tool periodically.
@Xavier_ID.
@Xavier_ID. Месяц назад
I have the Venture X and really enjoy it. My P2 got a pre approval for the Venture so we may pick it up just for the SUB and down grade afterwards keeping the Venture X. It’s a simple and easy to use catch all card
@ScottLeRay
@ScottLeRay Месяц назад
I want to upgrade to the Venture X, but I'm in the process of getting rid of some of my high annual fee cards. I have a gang of them at the moment.
@SENDO-X
@SENDO-X Месяц назад
They never pre-approve me for this, but iv wanted it for a while for the easy bonus
@ScottLeRay
@ScottLeRay Месяц назад
It was one of the first cards I got when I started the points and miles thing. That was back when they gave you 10x back at hotels.com, and then hotels.com turned around and gave you your 10th night free (another 10x). That was great times.
@danieldelacruz7305
@danieldelacruz7305 Месяц назад
The food is crap not worth the money to spend on the membership
@ScottLeRay
@ScottLeRay Месяц назад
Even for people traveling 15 - 20 times a year?
@mierkkoazucena7992
@mierkkoazucena7992 Месяц назад
I love your videos. Keep it coming ❤❤
@ScottLeRay
@ScottLeRay Месяц назад
Thanks. I appreciate that
@De_Guatemala
@De_Guatemala Месяц назад
Get the United Business card and downgrade the Explorer to the Gateway. Same annual fee, same 2 lounge passes, but you get 5,000 bonus miles annually by having the business and a personal card.
@ScottLeRay
@ScottLeRay Месяц назад
Well played for anyone into business cards.
@jimmyjames6492
@jimmyjames6492 Месяц назад
The waived bag fees is worth the AF fee alone and makes this a keeper card IMO. Thanks for the info + video!
@ScottLeRay
@ScottLeRay Месяц назад
Facts 💯
@flubberghosted2472
@flubberghosted2472 Месяц назад
I have the Strata Premier & it’s a workhorse. Makes sense to get the Double Cash next after looking at the spending breakdown in my Citi app. The quadfecta easily pays for itself every year. I’m stoked to be in Citi’s ecosystem. I’m looking forward to hearing how it goes when someone makes a claim with Strata travel protections. I’m slightly worried that it will be difficult to successfully make a claim and be compensated.
@couz96797
@couz96797 Месяц назад
I love the pay yourself feature so you can use miles to cover the annual fee. I also have the barclay American Airlines aviator red card and that also has great benefits.
@ScottLeRay
@ScottLeRay Месяц назад
I've been looking at that Barclay's card lately.
@jonathanfactor6688
@jonathanfactor6688 Месяц назад
I had the united airlines explorer card but I updated my card to the quest card because I have over 5000.miles on united airlines and I feel that you can get better states on the quest card over the explorer card
@ScottLeRay
@ScottLeRay Месяц назад
I like the quest also. I'll definitely be upgrading if I start flying United more often.
@timtime88
@timtime88 Месяц назад
Damn Chase 5/24
@ScottLeRay
@ScottLeRay Месяц назад
Sucks right
@nitra79
@nitra79 Месяц назад
I am in the same boat and the no baggage fees - is more then the $95 annual fee.
@ScottLeRay
@ScottLeRay Месяц назад
Facts!
@Xavier_ID.
@Xavier_ID. Месяц назад
About to pick up the Citi AA Platinum. Ima grab it for the slightly elevated SUB and test out in the first year while the AF is waived if I can 1) Fly enough on AA to keep it around and 2) if stacking with the AA dining and AA shipping portal with my normal spend can get me high enough status.
@ScottLeRay
@ScottLeRay Месяц назад
Sounds like a good plan. I could use some AA miles right about now.
@earlthomas7464
@earlthomas7464 Месяц назад
I don't have any Citi cards yet. I plan to at least 4 of them.
@ScottLeRay
@ScottLeRay Месяц назад
Which one do you plan on getting first?
@earlthomas7464
@earlthomas7464 Месяц назад
@@ScottLeRay The CSP. I will use the 10X on an independent hotel.
@ScottLeRay
@ScottLeRay Месяц назад
@@earlthomas7464 10x is major!
@My9thMyJoy
@My9thMyJoy Месяц назад
In my experience they like to lie about the upgrade availability if you book more than a basic room. They really don’t want you upgraded to something actually nice and have told me the room I booked is the upgraded version.
@ScottLeRay
@ScottLeRay Месяц назад
I've had that experience in the U.S....but never international
@Xavier_ID.
@Xavier_ID. Месяц назад
Citi is the next issuer I want to break into. Just got a slightly elevated AA card offer so perfect way to enter
@ScottLeRay
@ScottLeRay Месяц назад
That's what's up. What's your current set up looking like?
@Xavier_ID.
@Xavier_ID. Месяц назад
@@ScottLeRay right now I use the Gold for Food/Dining, Venture X for catch all, Savor for entertainment, and for hotel I have been working up the Hilton ladder and just need the aspire at this point to complete the Hilton line up. Depending on how nice Citi will be for me grabbing some of their other cards I want to at least grab what I can for the subs and mix in a custom cash or two for some other expenses.
@SENDO-X
@SENDO-X Месяц назад
If they ever approve me i will😂
@ScottLeRay
@ScottLeRay Месяц назад
😅
@theinternationalist1357
@theinternationalist1357 Месяц назад
Total will start getting citi cards... currently only hold the reward+ card.
@ScottLeRay
@ScottLeRay Месяц назад
I can dig it. To get the most out of that particular card, you need the Citi Strata Premier.
@CesarJoel
@CesarJoel Месяц назад
Love the Citi ecosystem! Been using the Citi QuadFecta for several months and is great. Great overview and information!🫵
@ScottLeRay
@ScottLeRay Месяц назад
Thanks Cesar
@riosafado
@riosafado Месяц назад
Did you apply? I wanna to but also had to respect chase 5/24, lol! Appreciate your insightful analysis brother 👍
@ScottLeRay
@ScottLeRay Месяц назад
I've had this card for a few years now. Since before the revamp.
@gankala8
@gankala8 Месяц назад
Is that breakfast or lunch/dinner time?
@ScottLeRay
@ScottLeRay Месяц назад
This was around midnight
@TheMensRoom2024
@TheMensRoom2024 2 месяца назад
Next time I fly United I'm going to buy the one day lounge pass. It's only like 65 or 55 dollars
@ScottLeRay
@ScottLeRay 2 месяца назад
That, our you can get the United Explorer card
@cristiansolares2007
@cristiansolares2007 16 дней назад
Got the United Explorer card. I live near newark airport and only fly united. Occasionally, go to LA and SD, so the free luggage is a benefit. ​@ScottLeRay
@GospelOutside
@GospelOutside 2 месяца назад
Nothing is free. So sorry to say. It’s reality.
@ScottLeRay
@ScottLeRay 2 месяца назад
I hope everyone knows this
@elcheckin
@elcheckin 2 месяца назад
Dude been loving ya vids in Africa and now stumbled across ya credit card page . Super solid ! Will be in Africa Oct / nov. hoping we can collab on a vid!
@ScottLeRay
@ScottLeRay 2 месяца назад
That's what's up. Hit me up over on Instagram
@texassecession6422
@texassecession6422 2 месяца назад
Does $125 United credit apply from very first year? How about two 5k miles award reimbursement? Does that one apply from the very first year?
@ScottLeRay
@ScottLeRay 2 месяца назад
Yes and yes
@jimmyjames6492
@jimmyjames6492 2 месяца назад
💯💯💯
@ScottLeRay
@ScottLeRay 2 месяца назад
💯
@jimmyjames6492
@jimmyjames6492 2 месяца назад
Great setup! Thanks for the info + video!
@ScottLeRay
@ScottLeRay 2 месяца назад
Thanks Jimmy
@Lifeissorich.
@Lifeissorich. 2 месяца назад
I thought the Prestige was 5x on dining and air travel. Did it get lowered to 3x?
@ScottLeRay
@ScottLeRay 2 месяца назад
No. You're totally right. Error on my end. Thanks.
@34skyline
@34skyline 2 месяца назад
what's in my wallet currently Amex Platinum (doing a sub) Amex Business plus (doing a sub) Amex Gold for dining/grocery Amex blue cash preferred for gas
@ScottLeRay
@ScottLeRay 2 месяца назад
AMEX King!
@SpartanOfFinance
@SpartanOfFinance 2 месяца назад
That Citi Strata is pretty solid as an every day card.
@ScottLeRay
@ScottLeRay 2 месяца назад
Facts 💯
@JJ-ei8po
@JJ-ei8po 2 месяца назад
Why not the venture x over the venture. Same 2x and the 300 credit is easy to use. And it’s metal 😊
@ScottLeRay
@ScottLeRay 2 месяца назад
I wish. Can't get approved
@JJ-ei8po
@JJ-ei8po 2 месяца назад
Me neither. I ended up product changing to the X.
@Xavier_ID.
@Xavier_ID. 2 месяца назад
👍🏼👍🏼
@ScottLeRay
@ScottLeRay 2 месяца назад
🫡
@CesarJoel
@CesarJoel 2 месяца назад
Love the Citi Strata Premier, Citi Prestige and Aspire!💪Great cards and strategy Scott!🫵 Can’t wait to see what Citi does with the Citi Prestige.
@ScottLeRay
@ScottLeRay 2 месяца назад
Thanks. I can't wait until the Prestige update also.
@boyitsame
@boyitsame 2 месяца назад
Damn a Citi Prestige solider
@ScottLeRay
@ScottLeRay 2 месяца назад
OG status. Lol
@SaggyJ
@SaggyJ 2 месяца назад
Admirals is great. For now, there is usually plenty of room unlike centurion. Then I found out about the flagship lounge lol now I really want to see what that’s like
@ScottLeRay
@ScottLeRay 2 месяца назад
I love it as well
@himanimbob
@himanimbob 2 месяца назад
Thanks man, Just got my autograph card myself. I'm going to try to go to Alsace France next year after racking up some points
@ScottLeRay
@ScottLeRay 2 месяца назад
Wow. That's cool. Enjoy France!
@navyvet05
@navyvet05 2 месяца назад
I just got approved for the altitude go which will pair nicely with my amex blue cash everyday and wells fargo active cash card.
@flubberghosted2472
@flubberghosted2472 2 месяца назад
Chase gives you that little Sapphire points multiplier, but Citi just earns better all around.
@ScottLeRay
@ScottLeRay 2 месяца назад
Facts
@flubberghosted2472
@flubberghosted2472 2 месяца назад
My Strata Premier is coming in the mail! I might go for the quadfecta.
@ScottLeRay
@ScottLeRay 2 месяца назад
That's what's up
@omarjames11
@omarjames11 2 месяца назад
I product change from from citi AA card too the strata and got a 40.000 pt offer for spending $2000 about half the bonus but im happy
@ScottLeRay
@ScottLeRay 2 месяца назад
Wow. That's awesome