2021 BEST Credit Cards on the Market 

Can you put a time stamp for each card on the comment or description?

I don’t see why you don’t like the Bank of America one ? It gives 200$ back after 1000$ and no fee ? Am I missing something ?

Are you a Gemini? You're so thorough and forward thinking.

Hello. I have a question. I recently got approved for a 300 credit limit with the Capital One WalMart card. This is after I've been with a Capital One secured credit card for over three years. I started with a deposit of 500 dollars. I ended up getting it up to 800 with on time payments. Just basically doing what I needed to do. Is it possible for me to get my 800 limit transferred to the WalMart one? If so, what do I need to do to get it done?

You're not the only one who feels that way about Wells Fargo, that is for sure. It will take years for them to get their reputation back.

@@ProudMoney what happened with Wells Fargo?

Amen!

I'm taking your comment to mean credit card offers will be better and covid will disappear, mankind will love each other, and peace and love will rule. That's how I'm taking your comment. Thx buddy! You lifted my spirits

@@alisayoung Thanks to *Carderwills* on telegram for the fresh credit card, you are such a great man💯 the only real vendor I found on here is him, that man is good for real 😳 I got my credit card from him while working on my bitcoin he is honest, reliable, and trustworthy. Thanks man

Thanks 🙏🏾 everyone I just got mine from the right plug 🔌 Carderplug4 on telegram he is cool and legit everything works perfectly fine

You’re so amazing 🙏🏽like they advertise you on here,thanks💯💯 for the prepaid card cardmanager01cc on telegram ✊🏾💪🏽

You’re so amazing 🙏🏽like they advertise you on here,thanks💯💯 for the prepaid card cardmanager01cc on telegram ✊🏾💪🏽⬆️

I've actually considered getting a travel card for the same reason

Same here. Got the venture and CSR. Looking to get the Platinum.

Thank you, definitely a lot of work went into this one.

He did mention the Propel. 4:31

@@alexanderleitt I guess I dozed off lol it was such a quick hit I missed it. Thank you. idk how I missed it I remember Navy Fed card I missed hearing the Propel. Thank you.

How do you get invited?

@@NotShowingOff YMMV, I got and canceled both a Walmart and Sam's club credit card (both ssued by Synchrony). Also, 1 July 2021 Wells Fargo will have a 2% card with a $200 bonus on like $1,000 spend. Should be just a sign up on their website. No invitation needed.

Been using it since last July, Love it.

Did you ask for a $200 cli? smh

@@BlackJesus8463 my girlfriends going to dental assistant school and I needed 3500 so I could put it on the card to get points. 760 credit score but apparently not good enough for 200 more dollars

- ya i prefer the Discover CS over Chase’s cs.

You’re so amazing 🙏🏽like they advertise you on here,thanks💯💯 for the prepaid card cardmanager01cc on telegram ✊🏾💪🏽⬆️

You’re so amazing 🙏🏽like they advertise you on here,thanks💯💯 for the prepaid card cardmanager01cc on telegram ✊🏾✊🏾✊🏾💯💯

Thanks to *Carderwills* on telegram for the fresh credit card, you are such a great man💯 the only real vendor I found on here is him, that man is good for real 😳 I got my credit card from him while working on my bitcoin he is honest, reliable, and trustworthy. Thanks man

I have about 16 credit cards but the one id use abroad would be the SoFi or Paypal Mastercards. They have no foreign transaction fees.

So if the Wells Fargo Propell goes away, this might be a good second card back up with 2 or 3% on travel and entertainment for example.

You’re so amazing 🙏🏽like they advertise you on here,thanks💯💯 for the prepaid card cardmanager01cc on telegram ✊🏾💪🏽

Dont get chase. Chase gives u no growth

@@pimpinisanoncontactsport2096 I already have a chase card...what do u mean no growth?

@@ResplendentRaider u can spend 1,000's with them and they dont elevate your credit profile imo. I was wit them for years I'm talkin over 10 years and basically they didnt do anything. U should expect alot out of these companies when u spend alot of money with them.

@@pimpinisanoncontactsport2096 damn 10 years?! Thats fucked up..i would be pissed. Did you ever request a credit line increase?

@@ResplendentRaider I did but nothing worth noting. So happy I canceled all my chase cards I was with them for 16 plus years

Depends on if you are thinking short term or long term, plus most people would have a hard time understanding your logic if they just wanted one or two cards.

How about if you use the Discover it Cash Back more or less exclusively for the first year, effectively getting 10% on the rotating categories and 2% on everything else after they double your cash back for the first year. Then add a 2% flat cash back card to use for everything outside of the Discover 5% categories after the first year? I think for someone who wants a simple setup with just a couple cards, this would be hard to beat. (You could substitute Chase Freedom Flex for the Discover. Maybe the Freedom Unlimited for 1.5% instead of a 2% card if you're thinking to eventually get a Sapphire and multiply those points.)

@@mikegoodwin2386 I forgot about the 5% being 10%. That’s even better, but the chase card, I don’t think so, I think that should be after the 2% card because the flex doesnt act like a 2% for the first year. If you can get your hands on the ollo optimum card that’ll be even better. 2.5% everything back. Chase card is great if you see yourself traveling in the future though.

@@eyeyamjstn628, I mentioned the Chase option because with a sign-up bonus, it might be competitive with the Discover first year, depending on spending. The 1.5% from the Freedom Unlimited could be competitive with a 2% card IF someone is going to get into a travel setup in the future and can get the points multiplier from a Sapphire card. On the other hand, the Chase cards might be harder to get than say a Discover it Cash Back and a Citi Double Cash.

@@mikegoodwin2386 oh, I see your point now. I’m currently in the stage of setting up the base of my credit cards, the ones I’d like to keep open for as long as I live so im not focusing on the signup bonus at the moment.

Is Discover It Secured worth it if I'm not a beginner? Not sure I agree with the security deposit thing tbh

@@christianastorga4555 don't get secured if you already have a decent credit score

@@antoinecharlesdegaulle580 ok. Considering my current salary I'm thinking about getting one more credit card and that's it. I currently have the Chase Freedom Unlimited since August 2020 and the Apple Card since February of this year. Those are my very first two credit cards and I don't even know how I got approved for the CFU since I had no credit score before that card lol. Plus I'm a simple cash back kind of guy. Any recommendations?

- the have a pts card where you can select a 3x category. ive been thinking about the card too.

Thanks! A lot of work went into this one.

You’re so amazing 🙏🏽like they advertise you on here,thanks💯💯 for the prepaid card cardmanager01cc on telegram ✊🏾💪🏽⬆️💯💯

You’re so amazing 🙏🏽like they advertise you on here,thanks💯💯 for the prepaid card cardmanager01cc on telegram ✊🏾💪🏽⬆️💯💯

To me personally, it seems like you're ignoring the gas category. Personally, I'd do Citi Custom on Gas and Saver One or Gold on groceries depending on if the annual fee is worth it for your spending habits.

@@marlonarancibia3247 I don't own a car, so gas is irrelevant to me.

@Michael Matherne Oh wow. A car is a necessity in most of the U.S. I'm glad it's not for you!

Yeah, but you have to have over $100,000 between BofA and Merrill accounts

@@WitchVulgar Not at all.

That bankruptcy shouldn't hurt you any longer except maybe with the banks you burned in the bankruptcy, because it is off your credit report, or at least it should be. So most cards should be open to you with a 720 score.

Yep, bonuses matter a lot.

If you're not double-dipping you're not trying hard enough.

True, but after that first $20k, the 2% card will continue to out earn the 1.5% card with the SUB. Also some of the 2% cards offer a SUB too.

@@docsays There's opportunity cost there if you think long term. You're right about the bonuses tho. Fidelity has $150. I'd recommend people apply for the Citi Premier then downgrade after a year to the Double Cash.

@@kamilsultan1637 - good pt., i agree

- are you referring to the reflex card from continental finance? Thats a fee harvester card. I would avoid it, even if you have bad credit, there are better options.

@@docsays You are wrong

Thanks to *Carderwills* on telegram for the fresh credit card, you are such a great man💯 the only real vendor I found on here is him, that man is good for real 😳 I got my credit card from him while working on my bitcoin he is honest, reliable, and trustworthy. Thanks man

You’re so amazing 🙏🏽like they advertise you on here,thanks💯💯 for the prepaid card cardmanager01cc on telegram ✊🏾✊🏾💪🏽⬆️🇺🇸

It’s not all about 0% interest either. That’s like saying your opinion isn’t important, mine is important

You got that last name right!

I think it's the best for general use cases

I would say that or the chase freedom flex card. They're virtually identical. You cant go wrong either way.

I got my credit card from *Carderwills* I'm so glad.

It should be a win win. Lower interest should allow you to pay more towards your principal. A higher total credit availablale ( total of all your credit limits). Will mean a lower credit utilization ratio, which obviously results in a higher FICO. I strongly suggest the following: A. Stay on top of your debts and make it a priority to pay off your cards. B. Evaluate your card portfolio. Every four to six months evaluate which of your cards have the lowest credit lines. Call them up and attempt to get it raised to meet or exceed your second highest card. If you can’t, close it. Wait 30-40 days and when that hits credit bureaus it actually raises your FICO slightly. Then replace it with another card that will grant you better limits. As I say do this once every four months. Also ask for card limit increases each six months. Seek one to two increase each month to avoid many increases to your FICO. In addition you can request a creditor to run your Equifax or Transunion report by asking them to use that agency. Spread them out to avoid everyone hitting one bureau. Good luck!

@@michaelreid8857 thank you for such an in depth and informative response! I had always thought to never close an account as it would decrease your total credit limit. Would you say that someone can have too many credit card accounts? Credit karmas meter for total credit account puts having 11+ accounts in the green

@@jonathanmartino3358 i would personally try for quality rather than quantity, ideally I would look at 1-2 cards with a fee offering great cash back. AmEx Simply cash preferred is a great one in Canada. Then supplement those two with 5-6 no annual fee cards. Try and get some offering either low interest or bal. transfer offers. One thing very few people tell you and I only fell onto this aspect of Fico’s scoring by having some accounts closed and closing others myself when I was in Colombia. Let’s say today you have 10 cards with a total of $65,000 credit. Suppose you close your lowest limit card of $4,000. What FICO is going to detect is you had $65,000 but now you only have $61,000. So now if you close it and say 60-90 days pass, FICO is going to register that change and digest it in a positive way. Your FICO will rise a bit more, and you should be able to replace it with something better. FICO looks at $65,000 as being your max credit but now your bellow that level by $4,000. So it’s thinking that your a good risk for further credit. Also while it is important to have at least 7-9 accounts, above that I personally feel FICO is more favourable if you down size. Remember any account will remain on the report for six or seven years! I have cards (4) ranging from $450 to $7,200. So next month I’m closing the $450 card and will wait 60 days to reapply for two AmEx Cards! The important thing is to get your score to at least at the top range of very good. 775 in USA 820 in Canada. After that really it’s just bragging rights!

@@michaelreid8857 understood! I had no idea that it worked like that! I’ll definitely have to implement this practice as I continue to build my credit health! Thank you so much for sharing your knowledge. 10x more pertinent info than what I learned In School. Please continue to produce wonderful content such as this! 👍🏼🙌🏼

You’re so amazing 🙏🏽like they advertise you on here,thanks💯💯 for the prepaid card cardmanager01cc on telegram ✊🏾💪🏽

- aside from the SUB its only meh.

If you cut them in half you will have 30, and they will cost you less

Why?

Most cards won't allow you to gain points that way. If that's the case everyone would keep transferring balances just for points.

I dont think such card exists, think of it this way the fact u can pay off another card and save money alone that's a big win and more money u would make going that route anyway

I figure that much but I was thinking there had to be one. Like some how they figured out a way to still make money

@@jakehester9979 got you

My credit union balance transfer card does

Yep, need to update this video soon, things have changed.

You’re so amazing 🙏🏽like they advertise you on here,thanks💯💯 for the prepaid card cardmanager01cc on telegram ✊🏾💪🏽⬆️💪🏽🙏🏽

Yes 2% cash back on gas and restaurants and 1% on everything else, they also match the cash back at the end of your 1st year. So my advice is use the 1st card for that whole year before getting a second card. My mistake was that I got a 2nd card before the 1st year of cash back match was done so I could've gotten a lot more money back.

Thanks to *Carderwills* on telegram for the fresh credit card, you are such a great man💯 the only real vendor I found on here is him, that man is good for real 😳 I got my credit card from him while working on my bitcoin he is honest, reliable, and trustworthy. Thanks man

i think if you're good with money credit cards don't hurt you they holy help you, it's free rewards/points that i get for using a credit card versus just using debit

Credit cards are good when you're smart!

Why are you here with your pretentious crap?

That means you are irresponsible

Sounds like a Dave Ramsey true believer. Sorry to say, but that's really bad advice. Yes, stay within your budget and don't inflate your lifestyle. But not using credit cards hurts you in many ways. 1) You are leaving FREE MONEY on the table by not getting cash back rewards or intro bonuses. 2) You are not building your credit score, which literally everyone checks from your employer to your landlord. 3) You are sacrificing things like free electronics insurance, warranty extensions, travel protection, etc. 4) You are over-exposing your bank account. If fraud occurs on a credit card, it's not your money that was taken. At a bank, good luck asking them to put your money back! I buy literally everything on credit cards, pay the bill every month, it costs me nothing, and they PAY ME for the pleasure of having done so. Your debit cards and cash don't offer anything like that.

You’re so amazing 🙏🏽like they advertise you on here,thanks💯💯 for the prepaid card cardmanager01cc on telegram ✊🏾💪🏽