Credit Card Expert RANKS US Card Companies BEST to WORST

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In this video we rank US credit card companies from BEST to WORDT.
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Опубликовано:

23 июн 2023

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Комментарии : 196

@ceezthaday Год назад

Karet card is not god tier in my opinion, its only for influencers

@Winston0Boogie Год назад

Agreed! Some good value I think. I get the 5% on everything at times and choose what you want at 5% but most people wouldn't really be using it.

@michaelkim2147 Год назад

If 5% unlimited on everything on your top category is NOT god tier then i don't know what is. Everyone has a top category that changes month to month. This card is a no brainer because its unlimited. Jealously Sucks that its impossible for normal people and only for special people/influencers who make shitload of money but doesn't mean its not god tier IMO.

@hockey1freak Год назад

Since its only exclusive to these guys im sure some ego is involved "oh look its god tier and only i qualify"

@MrYourecool2 Год назад

Right? 😂 Citi Custom Cash does the exact same thing with your spending category each month. Aside from the Black Friday crap that they allegedly do.

@Starscreamious Год назад

Just looked it up.....not only is it for "influencers" but it's also a business charge card (not a credit card). Ben should have put three *'s on that card. =\

@ahmetboz20 Год назад

You should do a new video about MYSTICFLIP ! I really like you’re mellow delivery and you seem like you’re very knowledgeable. I watch lots of influencers and you always seem very calculated and know exactly what you’re talking about and understand it. You’re better at explaining complicated things simply, than any other person on youtube keep it up brother!

@ibeunstoppable Год назад

1. Amex 2. Chase 3. Everyone else

@thebeddoctor4273 Год назад

Isn't Karot card only for creators? If so how is that God tier for the average person? Or did they change

@josequesada1234 Год назад

Amex points are trash unless you use for traveling. No flexibility unless you work around it with the Schwab Platinum version to set a floor of 1.1. Chase earns points at a worse rate but much more flexibility at use and value on the points.

@MichaelMcNeeley Год назад

“Unless you use for traveling.” Yes, exactly. Points-earning cards are designed to be used on travel. The fact that the Schwab option exists at 1.1 cpp to cash out is just gravy.

@scarling9367 Год назад

Kinda agree. I started with the BCE and it kinda sucks that I can't convert to points like Chase or Capital One. Still not a bad deal IMO.

@yurig2530 Год назад

Yes, Amex sucks big time lately.

@fpl_bailey Год назад

The fact that you give Luxury card it's own tier is an automatic like 😂

@emreguz Год назад

When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said...I’ve seen experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that he was able to get out of there and become his own boss MYSTICFLIP

@kingsamvisuals Год назад

The WF autograph is underrated. It’s a point earning card but no transfer partners. I wish they’d integrate with BILT.

@fpl_bailey Год назад

Is it the replacement to the Propel except it's visa instead of Amex?

@veezhang6988 Год назад

@@fpl_baileyyes and I just got force converted.

@ow5966 Год назад

Facts bro I can't wait until this happen with Bilt

@ow5966 Год назад

@@fpl_baileyThe Autograph card is great for cash back.

@ow5966 Год назад

You can use the Wells points to purchase flights. Only one cent per point though.

@NafeesWazaif Год назад

I absolutely LOVE this video and the breakdown that youve provided that not many of us has had the privilege of learning early on . Im currently with a low score because of misuse of credit cards . And as hard as try, I cannot seem to understand credit

@FlintIronstag23 Год назад

I'm glad Wells Fargo got moved to Some Good Value. The bank itself may be Lame but the cards are actually pretty good. Active Cash, Autograph, Bilt, and Choice Privileges Select are decent cards.

@asdas1755 Год назад

This is one of the most strategic,insightful videos Ive watched in years I am BLOWN away.I am working on writing an app to help people learn about surprise medical bills and how to avoid them,and I am going to site you and your tips in my app.Thank you S

@khoaxetaibinhduong Год назад

The confidence you take in your work is really inspiring and amazing,special thanks The time and efforts you had put into deleting all inquiries and collections is beyond excellence.Take my cordial thanks!You are really an efficient, organized and result-

@TraitorTrump4Treason Год назад

I’m new to this credit card game 😂 although I could’ve upgraded to the amex platinum when they first announced it, I didn’t see enough benefit to paying the more than double the annual fee compared to the gold which I’ve had for more than 25 years and only took advantage of earning rewards since it came with the card already. Before watching this video I didn’t know about the ways you can use them to match with MGM or other hotel/casinos member loyalty cards so that could’ve been useful. Is there any loyalty program matching available for amex gold holders?

@TheCreditShifu Год назад

Gold has access to the Hotel Collection where is you stay two consecutive nights, you get some benefits, Venetian in Las Vegas is bookable through HC.

@deadxpride45 Год назад

Great video good to see unbiased views to tier each bank

@karet3441 Год назад

Hey dude I just wanted you to know that everything you do is necessary and thank you so much for what you do. Its more than just a recovery service, youre helping people. Youre actually the push for me to get my degree in Information Technology so that

@AztekFunk Год назад

Just applied for Venture X this morning and got approved!

@iamdanyc93 Год назад

🔥🔥🔥

@scarling9367 Год назад

Noyce

@alexc2265 Год назад

11:22 the PayPal card is decent. It’s a keeper to me. It’s just that it’s recently kind of overshadowed by the AmEx BCE refresh due to the overlap, although there are loads of services payable via PayPal that the BCE won’t cover. Universal 2% is pure cashback, so somewhat inferior to the Double Cash there, but that’s pretty fine for team cashback.

@jonathanfactor6688 Год назад

Great video thanks right now I use the united airlines explorer card the best buy card the city rewards plus card and the m life las vegas card from the bank of Omaha.

@ansheditzzone7077 Год назад

You showed great composure,experience,and thinking while dealing with the issues i had about my credit.Your level of quality work remains unprecedented,Thank you for all your help.Without your hard work,patience,and agility,i wouldn’t have completed raisi

@cazarilolsen4630 Год назад

TD is also not available in all states for some reason

@hansscheibe1646 Год назад

Nice list, but Citi, Discover, & US bank need to be on their own tier just below Chase & Capital One. Citi shouldn’t be on the same tier as Chase & Discover is better than Barclays & Wells Fargo.

@hquehace1148 Год назад

I have 2 chapter 11’s that are dismissed.The reason I have 2 is bcz I did not use an attorney.I was trying to stop an eviction,but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later,I en

@frankieanthony1904 2 месяца назад

Agree 💯

@KSlivinghappy Год назад

Agree 👍🏽

@devlin76 Год назад

Solid tier listing Ben! I agree that for a frequent traveler AMEX beats out Chase, but Chase has more versatility with their points for someone that might want to skirt the travel/cashback line. If Karat goes in God tier, then I think Chase could make it too. It will be interesting to see if Citi keeps improving. We are still waiting to see what is happening with the new Strata branding.

@heighyew 5 месяцев назад

Has Amex been bumped down because of their newish policy of once in a lifetime signup bonuses?

@giannolamichael Год назад

paypal credit and paypals 2x on everthing card are both threw syncrony i would put them in the some good value catagory for those.

@JohnSkyLey Год назад

LOL I saw the bud light 🤣

@TheAudioCzar Год назад

Hate Wells Fargo if you want but the autograph is one the best cash back cards IMO. In the active cash card is one of the few 2% cards with a sign up bonus

@DallinBunnell Год назад

Agree. Except the PayPal and Venmo cards are issued by Synchrony and they're actually way good for cash back. My favorite feature of the Venmo card is sending money to friends from the card and not getting hit with the 3% fee.

@iali00 Год назад

TD is a good bank. Why would not charging fees at a lower balance be a bad thing? I have money but always looking for good value.

@Nanster-gv8nf Год назад

my oldest card is a credit one that I pay $3.25 a month to own. I have an 826 FICO 8 and less than 1% debt. Even though I can't get it over $1250 credit limit, I have to keep it so my average age doesn't crash.

@SinCitizenGent 9 месяцев назад

Okay, but how do you rank the rows? Putting best on left, worst on right

@TheCreditShifu 9 месяцев назад

No order to the rows, you can make up your own mind on that

@briceonwiley Год назад

I had literally zero love for Wells Fargo until the Bilt card came out. Good call here, they really changed the game.

@skchanchi Год назад

from caesar's platinum to hardrock royalty to ocean prime to mgm gold in that order this year

@shojus Год назад

Hopefully Amex doesn't pull a Bud Light/Mulvaney... 17:01 🤣🤣

@ronikassab4575 Год назад

17:02 so accurate 😂

@shojus Год назад

Hopefully Amex doesn't start selling tranny fluid

@vavelox293 Год назад

I drove my first car in my dads name and later went to get a truck in mine after I paid off my first one and drove off the lot with the truck I wanted,its mostly about a good credit score and a loan portfolio helps as well...lenders like to see various f

@ganesh5109 Год назад

Took a year for me to build my score from mid 400s to 600 where I’m stuck now.I have 2 credit cards, a self account,auto loan.Everything paid on time and utilization 5-10% paid off every month.Thinking of applying for a new credit card or something cause

@luxurycardstore Год назад

I used to work at TD Bank and even though they let me keep the extremely low interest rate for employees after I left - their card still sucks.

@slicric131 Год назад

Their only “good” card is the double up.

@1bridge11 Год назад

I like that Bud Light reference. You could have included Target as well.

@kevinlopez9930 Год назад

Could you make a video on how to build credit without a social security number ?

@TheCreditShifu Год назад

Thats difficult, wouldn’t it be better to just get a social security number? Since if you are here on a work or student visa you can get an ssn, if you are only here on a tourist visa, then do you really need to build credit?

@florya2.092 Год назад

I genuinely believe this will be one of the massive recovery to ever cross the platform. The difference in content compared to what other agents push out really made this service exciting, unique, and fun all at the same time. Congrats man, Bro shoutout t

@SuperVeganShark Год назад

Citi in the Philippines charges 48% on some of their cards

@Anarxur Год назад

Not a card, but I financed a motorcycle through synchrony once and I couldn't do anything through a web portal. I had to mail in a form to set up autopay or deal with the slow af robot voice once a month. Overall terrible experience

@MissEnglish123 Год назад

I have the TD secured cash rewards card, 3% on restaurants, 2% on supermarkets, 1% on everything else, I’ve had this card for 3 years, I’ve never missed a payment, I never go over 30% utilization, this card has never graduated & I was denied for the double up card

@austinprice1029 3 месяца назад

Amex as an actual travel card, is garbage, unless you're okay paying with any other card that's actually accepted.

@Sevilmeyen.cocuk1 Год назад

Thank you for being there MYSTICFLIP when I wanted you to..... I was lost in this new world that I was hassled to start with ....you not only guided me along the way but you also showed me the proper way....whatever little I have been able to achieve in life is because of you today ..... I want to thank you for being there and showing me the proper way of doing thing for me you are my best guide as you truly showed me the way to life....once again , I would like to tell you a heartfelt thanks for being there.

@tecben Год назад

TD is the Target Red Card at 5%

@jasean21 Год назад

He didnt do the X1 card. (hated it lol)

@iamsean92 Год назад

lol i just got a credit one platinum visa (and a secured Capital one platinum with $49 deposit) . i only plan on keeping the credit one card for a year. just started building credit. seems credit one give you 24 days from the close of the statement which is pretty standard. also i think it is law now for all cards to have at least 21 day "grace period" . and credit one does now have a no fee rewards visa which seems pretty good honestly.

@TheCreditShifu Год назад

The law states “if the card provides a grace period, it must be at least 21 days” they dont have to provide a grace period

@iamsean92 Год назад

@@TheCreditShifu ah i see thanks

@TheCreditShifu Год назад

@@iamsean92 but they have got better over the years, and most of their cards now have grace periods, gotta read the terms carefully

@iamsean92 Год назад

@TheCreditShifu yes the one I was approved for has 24 days. But with a $75 annual fee with 1% back on certain purchases. This is my first unsecured card i had no credit score two months ago. I'm going to call them in a month or two and annoy them enough to where maybe they give me some sort of statement credit.

@geekspeak1066 Год назад

With the acquisition of velocity black capital one is making a push for god tier

@aswad15kmc Год назад

did you change your channel name?

@PsychoGilgamesh 10 месяцев назад

TD has the Target Red Card. It's the only good card I know of for them.

@rockyverma9727 Год назад

This man spends hundreds of thousands of time just to help us. He helps those in need while also helping us. He always puts a smile on our faces and we should appreciate it. Hats off to Him! I love you dude. Crazy Ive never payed attention to the Cognit

@Shado965 4 месяца назад

What no navy federal

@melihclskn2014 Год назад

MYSTICFLIP is young. Holding almost anything mentioned here is a good hold because the VHS or Beta will only show in time. I want to hold them early. Its sad that most dont think of these things as good future holds instead of being out of the market and bottom hunting. Are we the adopters or are we scavengers? surely one of these layer ones will become the standard and i dont want to sell any of them too early.

@mrdisco99 Год назад

Synchrony's Verizon card is pretty awesome for cash back... 4% gas and groceries, 3% restaurants, no AF, and no FTF

@Slaize Месяц назад

The PayPal card is good though being nerfed. Amazon store card with 5% at amazon and wholefoods is good too.

@_jefflarsen Год назад

Really cool video Ben! Agree that Amex is God tier.

@mikeecalvary 10 месяцев назад

Why doesn't anyone ever talk about the Barclay arrival+ card. I know it's hard to get but having the possibility to earn an extra 5% on top of the extra 2% I think is still really good

@aakarshsharma849 Год назад

I dunno…I was one of those people that didn’t care about a credit score,didn’t get any education about how important your credit score is,and I racked up debt like an idiot.I worked really hard and educated myself and I’ve brought my credit score from 4

@domb9310 2 месяца назад

Love your videos @Jim Carrey 😂❤ lol joking but you really do look like him omgggg

@charlesduhigg445 Год назад

You said the Karat card gave Mr Beast 5% cash back? But According to their website, cash back is only 1%-3% depending on the category. Am I missing something? Awesome video btw, new fan!

@TheCreditShifu Год назад

Its different for VIP creators, its 3%, 4% and 5%

@pishposh4506 Год назад

People don't trust Wells Fargo cards because they're worried wells fargo themselves might put fraudulent charges on their card

@douglewis7067 Год назад

You could warrant putting Citi down a tier by their main Airline Partnership. Amex points transfer to Delta and Chase points transfer to United, but Citi points don't transfer to American.

@yurig2530 Год назад

Citi has quite a bit of hotel partners - Wyndham, Choice, Accor.

@scarling9367 Год назад

Wyndham is fairly solid. They have a strong presence in the Midwest with Ramadad and Baymounts.

@yurig2530 Год назад

@@scarling9367 Wyndham is the largest chain in the world. You can also book Vacasa with Wyndham points. Choice is 1:2 transfer ratio, and then 1:4 to Radisson.

@j.r.1426 Год назад

The Karet card should not be there its possible two spots down. However I understand why you put them there wink wink

@TheyMostlyComeAtNight Год назад

So Jason, Mister I'm Out Of The Game, is helping make these credit card videos? We've entered the Twilight Zone! 😄

@TheCreditShifu Год назад

Ah, its not him, they just happen to have the same name

@leprechaun4gold221 Год назад

As Irish lads we like shining things, I'll rate your watches, coins, and wedding rings!

@user-ik8yu7pj6e Год назад

Inquiries on your Credit File,are actually more damaging than slow credit or late payments...Credit Bureaus are horrific for keep inquiries on your file for years...2 points less per hard inquiry..50 inquiries==100 points less This could actually take y

@iali00 Год назад

Wells Fargo autograph is probably the best card out there for value. BILT is also a beast.

@donborvio 11 месяцев назад

This ^^^ Autograph is the best no annual fee card out there imo.

@alexbigkid 2 месяца назад

@Ben: I think you miss 1 tier called coupon book and that is where AMEX belongs to 😂 Their Platinum and Gold card have high AF, which are hard to justify. A lot of merchant do not accept AMEX and internationally … well just leave your AMEX coupon book at home

@kevjak357 Год назад

I would move Synchrony to the Some Good Value category because they have some good cards like the Sams & PayPal card. ( have both)

@yurig2530 Год назад

I would rate them as follows: 1. Chase 2. Citi 3. Amex 4. Cap1 5. US Bank The rest is junk.

@crippledgenius Год назад

Td is not terrible in canada but definitely no amex

@watchchat Год назад

I got the Citi double cash for just that reason and they switched it out to points….I’m not into their point ecosystem so the card has become useless to me

@TheCreditShifu Год назад

You can still redeem it as cash back. It still has the word “cash” in the name!

@watchchat Год назад

@@TheCreditShifu lol thanks, I’ll look into it.

@channelreview1835 Год назад

Wealth is not just about finance,but health and wellness is critical especially in our black community!No need to have stuff and money if you dont have your good health?Rick Ross finally understands this truth now!What does it profit a man/woman to gain

@CesarJoel Год назад

Team AMEX💪💪💪

@happyron Год назад

I’m out of the Credit One card game

@dequaleg Год назад

It’s funny to me that the US TD cards are not great in Canada they are fantastic and provide value parallel to American Express!!!

@SectionChief Год назад

My US TD Visa card keeps changing their rewards program every few years or so and I don't like it. But it's a very high limit no-annual fee card that is 8-years old so I keep it active enough to not self-cancel.

@featherpony Год назад

Wells Fargo Autograph is as good as the Propel. And they have the Bilt card. God Tier.

@TMike293 Год назад

Even the BILT card couldn't make me want anything to do with WF, Hublot tier

@redslate Месяц назад

I'm not putting $100 Grand in a standard bank account just to get a miniscule bump in credit card reward points. BoA is trash to begin with, and they don't do HYSAs. That is a dredge-tier credit card. *Pass* !

@curmudgeonextraordinaire1884 Год назад

Wells Fargo is hardly lame. The Autograph offers 3% on 6 different categories and the Active Cash is a flat 2%. And Amex is hardly god tier. Their point system is the most restrictive of the bunch. This list is pretty much what I would expect from the typical RU-vid influencer.

@yurig2530 Год назад

It's lame. I don't have a single WF card, and I have more than 50.

@jn2292 Год назад

US Bank should have been in it's own category called "Dumpster Fire".

@SectionChief Год назад

US Bank? Why????

@jn2292 Год назад

@@SectionChief It's a dumpster fire. Avoid at all costs.

@Ryan31310 Год назад

chase > amex the lifetime language is what kills it.

@TheCreditShifu Год назад

Interesting, I hear you on that, however, I have been in this game for almost a decade and the lifetime language still hasn’t caused me a problem, ive had the schwab platinum bonus, i can still get the vanilla, i have been working through business cards, can still get the personal and business green, maybe in 5 years it will start causing an issue

@Ryan31310 Год назад

@TheCreditShifu I'm also probably biased towards chase since my place of grocery shopping isn't coded as grocery and the credits on the platinum don't match up with my typical spending

@EthanPatrick_CreditCards Год назад

Was that Jason Kazama?? 😜

@TheCreditShifu Год назад

nah my editor is called Jason too

@EthanPatrick_CreditCards Год назад

Haha gotcha. That would have been pretty funny though.

@JacobsPointsAndProfit Год назад

It was tough to see American Express over Chase. I see them as pretty equal, but my mind might change as I get more AMEX cards

@user-wh1ti5cl2c Год назад

Because of customer service for me nobody beats american express on that.

@REAL-UNKNOWN-SHINOBI Год назад

Proceeds to get unlimited 5% cash back on gas.

@RandyMichigan 7 месяцев назад

People don't usually call themselves experts.

@featherpony Год назад

Synchrony has 3% Paypal card.

@jshaffer189 Год назад

FNBO

@Starscreamious Год назад

10:50 Yeah....Synchrony is definitely a lame card. I've had 3 of them and they were all meh. No rewards at all.

@melrodriguez6566 Год назад

TD Bank is not that Bad. 😂 I have The target Card Give me 5%.😊

@richard1113 Год назад

Overall I agree with your ratings. But... I think it's unfair to give Wells Fargo an asterisk. You are rating cards not on how much people hate/hated them for things that don't affect most people. AMEX, I have several and I do like them but they also have the highest fees! I agree with the other people that said the Karat card is only good for influencers. And, in general, I get irked when you make comments like a card is great because of refrerral bonuses. That really only works for people like you! It's not a plus.

@ReeceReviews19 Год назад

Platinum Executive Elite 😂😂😂😂

@drunkenpaw Год назад

You know you've been watching Credit Shifu too long when: • You can predict his picks with 100% accuracy

@TheCreditShifu Год назад

You have completed your training…

@aaronlee4913 Год назад

There is a guy who had Amex Platinum card ,and took a vacation in Mexico stopped by a gas station got some gas. The clerk told him the card was no good so he paid cash. Then when he came back to the states. He realized that was a charge for around $900 something at that gas station he stopped by in Mexico. Then he disputed the charge with Amex first time, the Amex didn’t do anything. Finally he had to disputed it three times and got it resolved. He said the Amex customer’s service sucks and wouldn’t stick up with customers.