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

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In this video we are ranking over 30 credit cards in a tier list so that you can see which ones are overrated and which ones are actually the best credit cards that are worth getting! Each credit card in this tier list has been reviewed very carefully based not only on things like the welcome bonus and spending multipliers, but also the benefits of each credit card as well as the overall value it should give you. I tried my best to cover every credit card, but in order to do that I had to generalize some stuff because there are literally hundreds of credit cards on the market! The cards in this video were the most popular, so hopefully focusing on those credit cards will help you to make better decisions about which ones to get.
I’m also ranking the credit cards in this tier list based on my unbiased opinion, and I tried to account for how the average person will be able to use each credit card. This list is constantly changing as issuers release new products and update their current credit cards; but for now, these are the worst and best credit cards on the market.
This “Credit Cards Ranked” video style was a lot of fun to make, so let me know if you would like to see more credit card rankings in the future!
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DISCLAIMER: Some of the card links and other products that appear on this website are from companies which Daniel Braun will earn an affiliate commission or referral bonus. Daniel Braun is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.
The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Опубликовано:

27 сен 2024

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Комментарии : 717

@BobI-jb4rk 9 месяцев назад

I got a B’s and C’s Just like my high school report card.

@Daniel_Braun 9 месяцев назад

😂 Hilarious and clever comment - definitely deserves a pin

@Ragnar0321 9 месяцев назад

😂😂😂 good one

@kazi1 9 месяцев назад

😂

@jamesvaugh4718 9 месяцев назад

No need to brag man

@duhbullb 7 месяцев назад

My one and only card thus far wasn't even mentioned 😂😂

@carsonfoy1546 8 месяцев назад

Chill with the transitions I’m getting dizzy

@devin.hastings 3 месяца назад

😂

@Olafdaschneemann 3 месяца назад

Between that and the flying hands....I keep feeling like I need to dodge his fingers

@bunnyfoxparagon7100 3 месяца назад

Actually absurd edit

@ElJefe360 3 месяца назад

Thats because you are old 🙄😮

@Yourenotspecial 3 месяца назад

@@ElJefe360naw its overly edited

@AndysCreditCorner 9 месяцев назад

The way that you go from one card to the next is interesting, often choosing the next card with somewhat similar features, rather than just simply going through each card family one by one. It kept me eager to see what card would come next.

@Mikexmerchant 7 месяцев назад

It's so refreshing seeing someone get straight to the point. You absolutely will get my subscription. Great stuff!

@Daniel_Braun 7 месяцев назад

Thank you so much for saying that and for subscribing! Truly means a lot to me!

@frederickstuart7495 4 месяца назад

Same

@ZapeVortex 3 месяца назад

Agree

@rodi4850 8 месяцев назад

With credit cards there's always a balance between what you gain and what new behavior is incentivised. In the end they are designed for you to spend more not less 👀

@YoutubeSupportOfficialUS 6 месяцев назад

Agreed. That’s why I like a simple 2% card and paying balance off every month so I’m not incentivized for any particular purchase.

@Mega-P71 4 месяца назад

That's why I feel like my Freedom Unlimited is so good for me and also why I'm eyeing the Freedom Flex. I don't travel and am focusing on earning points for cash back by using my card for everyday purchase. I earn hundreds of dollars every couple months, it's great

@musek5048 3 месяца назад

@@RU-vidSupportOfficialUS so would a 5% card with no annual fee not be worth it?

@YoutubeSupportOfficialUS 2 месяца назад

@@musek5048Only if there are no limitations. There is a citi card that offers 5%, but is capped at 500/m. I’m eyeing the Robinhood Gold card that will be 3% back on all purchases. In the end, if you aren’t paying off your balances each month, you’re looking at negative cash back.

@aa-tx7th 15 дней назад

no sh!t lol

@ish2222 8 месяцев назад

The B tier is damn competitive.

@Daniel_Braun 8 месяцев назад

Very competitive! Some great cards in the B tier that can help out anyone's setup

@ish2222 8 месяцев назад

@@Daniel_Braun I got a Discover IT card about 3 months ago. What card should I get next if I want to build my credit history faster? I tried applying for the Chase Freedom Flex but weirdly my application was rejected for not having enough Credit History.

@Jnerys99 10 дней назад

I never comment or rarely subscribe. But you were straight to the point, nice editing and no bullshit. You got a new sub.

@Daniel_Braun 10 дней назад

Thank you so much for that! Really glad to hear you liked it!

@mr.penguin5699 5 месяцев назад

Very well made video! Kinda off topic *this comment is just a personal opinion* the transitions you use while editing are kind of harsh/fast on the eyes and when you use them frequently it can make a viewer feel like they are being whipped around on a roller coaster. I know you didn’t ask, but personally I think if you dialed the transitions down in motion/quickness/harshness or made those larger faster transitions less frequent it would be a little easier to watch without feeling almost motion sick. Again this is just a personal opinion, absolutely no hate, and free advice if you want to take it into account. Feel free to ignore it if you don’t like it, I just was noticing that while watching the video. The rest of the video is excellent!

@Daniel_Braun 5 месяцев назад

This is honestly the nicest way to give feedback that I’ve ever received - and it’s super helpful so thank you so much! I completely understand what you mean and actually agree that the transitions can be toned down a bit, so I’ve already passed that info on to my editor. A few other people said the same thing Thanks again for being an awesome person with helpful feedback that’s critical in the best way possible! 👍

@RonnieNapkin 7 месяцев назад

Capital One Venture and Amex Gold were the best decisions I made for myself. Surprised you didn’t mention the standard Venture card! Nevertheless, took me about a week getting used to ‘what card gets swiped where’, but it’s just muscle memory now and I’m reeling in the points between each card!

@MattWelterOfficial 9 месяцев назад

Agree with pretty much all of your picks here Daniel! The Capital One Duo is super underrated so cool to see it getting some love from you in the S Tier. The only changes I would make is potentially adding the Bilt Card to the S Tier & the Aspire a bit higher, but overall these were great picks & everyone has different travel/spending preferences. Great video as always Daniel!

@stevemarshall3508 8 месяцев назад

I messed up my credits real bad back in 2020. Im just now building it back again and not being reckless. I had a capital one secured card and just got upgraded to an unsecured card and my score is now a little over 700. Im also getting an apartment next month and I’m very interested in the BILT credit cards. Do you think it’s a hard to get approved for??? Especially with my history

@Jiggy609 7 месяцев назад

The Bilt is truly S tier..just booked a hotel in Italy with Hyatt points transfer.. all earned from paying for the roof over my head!

@MattWelterOfficial 7 месяцев назад

@@Jiggy609 Love that!!

@JulianLamme 6 месяцев назад

My only gripe with Capital One is they don't seem to like me. The cards are super good though. Opened a SavorOne when my credit was average (mid 600s) and they only gave me $600. Fast forward to now in the low 800s and about $90k in revolving limits across a few banks they still won't raise it. I guess I could close it and re-apply to try and get out of their "bucket" system but I have annual fee waivers for AMEX Gold/Plat so I pay $0/yr for both of these. Once I start having to pay for those I'll probably try to get back in to the Cap1 cards.

@angelgregio 26 дней назад

@@Jiggy609The day they accept Mortgage payments as well is when it can go to S tier.

@larsonmcdonald 7 месяцев назад

these constant transitions are INSANE

@edman2740 7 месяцев назад

Lol annoying af 😂

@infidiem4145 7 месяцев назад

It’s good to have every now and then! But it’s just a little too much haha just gotta dial it back like 40% 😂

@neilzaza1501 26 дней назад

Insanely over the top!

@flogar9850 8 месяцев назад

Thank you for this super clear overview, much appreciated! Also thank you for not over-ranking the Amex Platinum which has become a joke in my opinion (let's not forget that despite the $700 annual fee, you now have to pay $50 per guest to get access to airport lounges, and that includes YOUR OWN KIDS. Ridiculous).

@AnthonyVenture 9 месяцев назад

Mannnn I know how hard this video must have been to make 🤣 Just trying to figure out where to start is TOUGH. Also I’ve heard of a few people who actually got that Luxury Card and I remember whoever told me about it, didn’t have the heart to tell them it was a bad card 😂 Great Rankings here Daniel! Some of these I never had an opinion on so it was good to see your insights on them, especially the U.S. Bank Cards. And I think you’re spot on with the Platinum for most people 100%

@nicoschmidt7618 5 месяцев назад

I actually have a US Bank card, since it was the bank I grew up with and it's a perfect card for my current situation as a college kid, already tied to my bank, and with surprisingly good cashback and no foreign transaction fees. It helped me get a decent card as my first one rather than another bad bank card or student card. I do not think I will continue to use it much once I am out of college and add better travel program cards and things like custom cash, but have definitely appreciated it so far.

@KevinYang 9 месяцев назад

Pretty much with you on all of the rankings in general! I definitely need to consider the SavorOne as I (maybe) close out my Amex Green which was amazing in the first year given the welcome bonus, but like you mentioned doesn't see THAT much value otherwise. Would love the Amex Gold but with the new welcome bonus changes, out of luck. Both the Amazon Prime and Bilt cards are great to have, but also not sure if they're worth burning a 5/24 slot for, so we'll see! Awesome breakdown Daniel!

@waterfoker8558 4 месяца назад

Don't close ur CC, even if you don't use them, unless there's annual fee upkeep, then get rid of them. Keep your credit line high

@marcinozga80 9 месяцев назад

Can you rank cards for those of us that don’t travel? No flights, no hotels, no partner programs, just straight up cash back setup.

@Daniel_Braun 9 месяцев назад

Yeah I can definitely look to make a Cash Back only ranking video with a similar tier list!

@pratikpatel6135 8 месяцев назад

Take a look at PNC Cash Rewards Visa Credit Card. It has 4% on gas, 3% on restaurant, 2% on groceries for the first $8000 in a calendar year.

@Doggmatic_ 5 месяцев назад

Found a card?

@Messup7654 19 дней назад

@@Doggmatic_Found a card?

@Doggmatic_ 19 дней назад

@Messup7654 I ended up going with "Bilt," which is more of a travel card, but works pretty well.

@ShiceTea 6 месяцев назад

Wow this video was informative, straight to the point, and well made. Subscribed, thanks!

@romcorleone 7 месяцев назад

Thanks for taking the time to walk through these brother!

@jaimekatz6645 8 месяцев назад

Thank you so much for doing all of this research! You saved a lot of people a lot of time and we appreciate you! ❤

@Wongo150 9 месяцев назад

The S-Tier Capital One Duo is underrated. I’ve been using these cards for a while and don’t really think I need any other card than these two.

@davisfzg 9 месяцев назад

Frequent cruisers spending thousands of dollars could find the green card very valuable as it is one of the only cards which counts cruise line bookings as travel.

@Scott-td4fd Месяц назад

Although not a points card, the Citi Anywhere Costco Visa gets you 3% here as their travel category is broader than most and includes cruises, and it doesn't require use of a travel portal. For a card that got its extended warranty coverage nerfed last year, this still makes me hold onto the card alongside its 4% gas rewards.

@darlenemoragne-sheaff5794 Месяц назад

An excellent and well explained video. Thank you.

@Daniel_Braun Месяц назад

Thanks so much Darlene! Appreciate the support

@BiologicalGibbon 9 месяцев назад

Great video, Daniel! If Bilt adds a welcome offer, even as much as 15k points, I'm giving up my 5/24 status even though I have been waiting for a CSP for so long ha!

@Daniel_Braun 9 месяцев назад

If Bilt adds a welcome offer than it right up to the S tier for them! Or if they remove the 5 transaction per billing cycle requirement which I forgot to mention here as well. But such a solid card overall and I love having it in my wallet 👍

@BiologicalGibbon 9 месяцев назад

@@Daniel_Braun Solid shout on the 5 transactions! Not about if I can or cannot do them, but there's this invisible pressure to do it within the month!

@MikeMaye 9 месяцев назад

I'm still FIRST, But to business, I am right now carrying the CSP, CFU, Amex Gold, and VX which I recently picked up with 90K bonus. I am really loving my VX more than I thought I would, but I will see how it fairs after the first year. Your Ranking is about right! Great vid as always Daniel💥

@sodiumchloride8273 5 месяцев назад

Apple Card should be higher ngl, 2 percent on everything you buy in person, an 3 percent on any subscription that you have on the App Store

@juliancen2815 9 месяцев назад

great video Daniel! cant wait to see penn state play my school on 10/12/24!!

@Daniel_Braun 9 месяцев назад

Thanks Julian! Just checked the schedule and that's gonna be a great game! So cool to see the teams that will be in the Big 10 next year for some great match ups

@KrAOLo 8 месяцев назад

Not a bad list but the sapphire reserve seems to be my favorite. Just the bonuses alone are worth over $1250 a year, TSA is worth a lot and it's 5x not 3x if bought through their rewards portal for traveling. You also need to compare the different visa bonuses which is important for traveling and insurances.

@dangardner8456 7 месяцев назад

To me the Saphire Reserve is by far the best - I make between $1500-2K a year using only this card and that's after my yearly premium payment for the card - but I pay the card off every month also....

@MontyTheCardNerd 9 месяцев назад

How you're able to plug so many of your other detailed card/duo/trifecta videos shows what an impressive catalogue you've built. Love the content as usual!

@hiphopjewels 9 месяцев назад

Why didn't you cover Bank of America? Am I missing something?

@SpeedDemonCBR 9 месяцев назад

I think the Chase Freedom Unlimited should be in the A tier also because the only difference between the unlimited and the flex is the flex gets the quarterly cash back but everything else is pretty much the same

@avres13 9 месяцев назад

I think unlimited is better than flex since some categories I might not have any use for.

@EthanPatrick_CreditCards 9 месяцев назад

I think it’s interesting how good the Chase cards are, yet none of them are really S-Tier. Somehow they don’t quite make it but still deliver S-Tier value. But this video is S-Tier. Well done Daniel!

@stevem437 8 месяцев назад

The Sapphire Preferred is S-Tier easily

@sandy__b 7 месяцев назад

Not sure if it fits here but Costco Citi card is something I would put it in S or A. Would be interesting to see what you think about it

@anonymousdogg1559 8 месяцев назад

As a dude who doesn’t care about travel, more about saving for the future. This video is kinda mediocre. You need a video on non-travel orientated cards.

@fbi1315 4 месяца назад

Who fucking cares about what you want bud

@maxsuper8510 4 месяца назад

credit cards aren’t for you then brother

@Davvy1795 4 месяца назад

⁠⁠@@maxsuper8510Hey bud, you do know the average American doesn’t fly for work right? Saying if you don’t fly often means credit cards aren’t for you is absolutely retarded, so congrats on being useless little guy

@wesleycoats 4 месяца назад

*oriented

@gingerbeard63 4 месяца назад

Credit cards are all about travel and points brother

@thesig301 2 месяца назад

I’m a simple guy, all I need is a 2% card for all categories. I don’t like switching cards for each payment.

@KevinHerrera-uh7jd 9 месяцев назад

Great video Daniel! I have a better understanding of what cards I should apply to. I have question, Capital One offers a “Savor One for good credit” card for those who don’t qualify for the Savor One. What are your thoughts on cards for good credit that Capital One is offers? Is it worth applying for? Thank you!

@jwil4286 9 месяцев назад

Considering changing my CFU to a CFF. Currently have a CSP as well. Can’t get a signup bonus right now. If Chase took out other categories on the CFU and gave it a base 2% cash back, it would be perfect IMO.

@alexanderjackson7815 8 месяцев назад

Got both, but I found sign up bonus online. Try to search again.

@yecson19 9 месяцев назад

I’m kind of surprised the AMEX blue cash preferred card wasn’t included🥴 I was hoping to see how you rank this card

@Daniel_Braun 9 месяцев назад

It would go right alongside the Blue Cash Everyday in the B tier for me. It’s similar to that card and the main reason people should get it is if the math makes sense for their earnings to be worth the annual fee - that’s basically why I didn’t get to mention it. Very good card though for the right person that wants cash back!

@chrismilligan3511 5 месяцев назад

A tip for your next video.......I was looking for a link to a spreadsheet or your website with a spreadsheet....I was even hoping that I could pause the video and look at your rankings, but you have the different credit cards stacked on top of each other so I can't read which ones they are.

@shellybulla8089 6 месяцев назад

I love the Apple Card for the savings account that pays 4.5% interest per month. I don’t want travel points.

@RebelTvShka 3 месяца назад

That's fine, but you have to pay taxes on that interest, you don't in travel points, it's also not the highest earning card.

@dylanjonesSD 3 месяца назад

@@RebelTvShkaif you don’t fly very often, travel points are useless. I’m in the same boat where I wouldn’t end up using the travel points so it would just be a waste of

@venate2813 3 месяца назад

Sofi is another banking service that offers 4.5% on savings.

@MysticalMastodon 3 месяца назад

Yeah, idk how you can talk about the Apple Card without talking about the savings account. It’s basically a high yield savings account with no fees or minimum balance. And idk how using Apple Pay is a detractor for 2% cash back when virtually every store accepts Apple Pay. The 3% cash back could use some sprucing up, but it’s not a D-level card.

@kerrydaniels8460 Месяц назад

You don't need an Apple card for a savings for 4.5%. You can get Savings accounts completely free that pay more than that. A credit card isn't why that is available AT ALL. It also doesn't offer anything special for a variety of cases outside maybe an apple purchase. So not much.

@voxdelalito Месяц назад

Subscribed not because you told me to, but because you just got to the point right away lmao

@kevvvex 3 месяца назад

Whew, that was alot of info and you pulled it off well. Thanks!

@OfficialMichaelGlathar 9 месяцев назад

Great video Daniel! Unfortunately for me the S tier cards with the Capital One cards are the ones I probably won’t be able to get since Capital One is too stingy with me. Otherwise I’d love to get those cards.

@allbaugh04 8 месяцев назад

Costco Citi card is S tier for me. 4% back on gas with no annual fee. 3% on travel and restaurants is decent too. I only use the Venture X and Costco card right now. Oh and Amazon Prime card for 5-6% back is decent, no annual fee as well.

@derekrequiem4359 4 месяца назад

10:25 I thought that was a typo seeing those annual fees but I looked it up and my mind was completely blown lol 🤯 I can't imagine spending that much just for a credit card!

@RipVondy 9 месяцев назад

The boundless is extremely good, don’t sleep on it’s power. After all that card is the precursor to the Ritz now

@Daniel_Braun 9 месяцев назад

Personally I haven’t liked it much, but it can vary from person to person. Marriott points are just tougher to get consistent value from. But I agree, the Ritz card path would be an ideal reason to get the Boundless first! I’m considering an upgrade to that but we’ll see

@jacobmaz8157 5 месяцев назад

80k to 150k points for the Amex platinum actually, that’s what I got

@Daniel_Braun 5 месяцев назад

Yeah I've now seen offers as high as 150K as well - offers sometime rise over time which is great to see!

@tfries72 25 дней назад

Lounge access with the platinum card makes it worth it for us. It makes the worst part about traveling (the airports and layovers) more enjoyable. It also gives us TSA global for free and we take advantage of the monthly 15 dollar Uber eats credit. They also always have great perks at the lounges Free alcohol, actually good food that is free and things like masseuses yes also free. It’s a great experience

@ItsMeCJ 9 месяцев назад

I’m claiming first!!

@Daniel_Braun 9 месяцев назад

Always honorary first no matter what CJ! 🥇 😂

@puzzlepiece4458 9 месяцев назад

A note of caution about the PayPal cashback mastercard: your credit limit is going to be a fraction of what you might expect, causing your utilization to spike if you use it as intended with the catch-all 2% rate

@oranje525 8 месяцев назад

This happened to me too, not sure why Synchrony is so stingy with their limits

@slickbill9488 8 месяцев назад

I have a 8000 dollar limit on it

@neighner2392 7 месяцев назад

I thought the credit bureaus took into consideration ALL your available credit? Like my Amex is $10k and another is 5k etc. They just look at the utilization percent per card?? Guess I should be asking for a credit increase.

@slickbill9488 7 месяцев назад

@@neighner2392 They actually look at both

@puzzlepiece4458 7 месяцев назад

@@neighner2392 can never hurt to ask for one

@JBGHacks 8 месяцев назад

Slightly unrelated but WHAT DO YOU USE TO EDIT?!?!? Holy smokes those transitions were beautiful and the Picture in Picture was chefs kiss

@Daniel_Braun 8 месяцев назад

Haha thank you so much! Glad you liked it! Thats all thanks to my editor there - I am not as good with those kinds of effects if I edited on my own

@Roycuban 7 месяцев назад

Wells will be bringing a new autograph for $95 a year but with x5 on travel and stuff will be really good. Employee here

@Daniel_Braun 7 месяцев назад

Thanks for the comment! I’m really excited to see what Wells Fargo will be offering this year with new products!

@jenna2440 12 дней назад

Appareciate the ranking videos but can we get some chapters so we can jump to the ones that are actually relevant to us? Took me forever to find the section with my cards. Also would be nice if you could list all the cards reviewed in the description even if you dont write out the rankings.

@johnkevin1104 9 месяцев назад

Bank of America travel rewards card?

@ctbt1832 8 месяцев назад

I would not put the gold card and the black card in the same category as the Apple card. That’s crazy to do that. I would put it in the F column.

@kerrydaniels8460 Месяц назад

It might as well be in the same. Nothing really special about the apple card.

@bruhcsp 2 месяца назад

Don’t forget that there’s always a “up to” before any of those rewards

@MK7Justin 9 месяцев назад

I don't agree with you when it comes to the green. It can be a good replacement for the Platinum and Gold in the traditional AMEX trifecta. For someone who doesn't want all the luxury travel benefits from the Platinum and for someone who spends more on eating out vs groceries. Still getting 3x on travel, transit, food, 2x on groceries, and everything else. All for $150 AF vs $945

@chukwuebukaokafor3468 8 месяцев назад

Did same this year. Downgraded from platinum to green. Got cash back for the annual fee I paid on platinum. It sucked cos I used platinum for free in military when I was on active duty. When they charged me $690 annual fee, I almost cried. Then I downgraded. I might drop it eventually if it doesn't serve my needs.

@delmarramirez6940 8 месяцев назад

Could you do a video on how the credit age averages out? I’m a little confused on how it work. Will the age really matter if I leave a 5 year gap between card A and B? Or would a 6 month gap be better?

@Daniel_Braun 8 месяцев назад

I actually explained this in a bit more detail with an example in the middle of this video here: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-3nxGdg8Wa4M.html

@Byte_J 25 дней назад

Worth noting that with the Apple Card you get three percent back on all in all purchases including subscription services which can quickly add up

@josuegonzalez3660 8 дней назад

Apple Card is an easy b tier for those who use Apple Pay for everything. There’s also other places where 3% is given back like Nike, Panera, Exxon, Uber, Walgreens, etc.

@Archangel125 8 месяцев назад

Consider the standard Venture instead of the Venture X, it still has the 2x flight miles without the huge monthly fee.

@moonlightpsyche 4 месяца назад

with the capital one and discover (possible) merger, what do you think would happen with the discover cards? i’m finally at good credit to be able to consider a discover card.

@EatonZ26 7 месяцев назад

Aspire is S tier. Only hotel car I know that can pay back the annual fee with just the $400 resort credit and $200 flight credit which means you get the annual free night for no cost.

@angelgregio 26 дней назад

Who makes that card? Looked it up and it doesn't seem like the right one.

@EatonZ26 26 дней назад

@@angelgregio Amex

@richard1113 9 месяцев назад

Interesting rankings and I agree with many of your picks. But I would move some of these around. For instance, the BILT card is specifically for a renter which really limits its appeal. Same for the Hilton card, the Ink card, and other special case cards. I would put these at a C tier. The Apple Card is most definitely NOT a D tier card. Are their some minor problems with it? Sure. But its utility of being a 2% card doesn't change.

@tabularasa9554 5 дней назад

S Tier cards are tough to get. We're talking 800+ FICO and 10+ years history.

@OkiDingo 5 месяцев назад

I like my United Explorer card

@jonathanvaladez5916 9 месяцев назад

I started my credit 2 years ago with capital one platinum and a year ago got the chase freedom flex, i have a 4k credit limit that i always keep under 1k utilitization, my credit score on experian is 716 and on myfico 736, do you think its too soon or my score is too low to apply for the freedom unlimited to get closer to having the chase trifecta?

@ForrestMcGraw 9 месяцев назад

I think your odds are good. But you can also look online for pre-approval and pre-qualification with any bank to see if the odds are in your favor. With Chase, you can also make an appointment with the bank to meet and better your relationship with them and to see if they can advise you further. The sign-up bonus for the CFU is really good right now so it is worth pursuing your trifecta.

@MK6CHRIS 5 месяцев назад

For the Apple Card…Realistically in most of the US Apple Pay is accepted. Even at restaurants… 2% cash back is nice especially since they put it into a 4% APY savings account…. Plus the security is unmatched by any card. I don’t like how you didn’t mention those benefits. Besides that good video. I learned stuff

@SnoringVids 7 месяцев назад

Would you make a video on P2 strategy to get sign up bonuses. Including how to rotate and get referrals?

@Daniel_Braun 7 месяцев назад

Yeah! Thats actually a video that I’m working on right now that should be out in a few weeks 👍

@SnoringVids 7 месяцев назад

@@Daniel_Braun awesome thank you I'll turn on notifications!

@BoywithLoveeee 7 месяцев назад

Don’t get the Amex platinum if you don’t travel at all. For someone who travels abroad twice a year, that lounge access and other credits makes it the best card for traveling (though it is not good for everyday use). I do believe the Amex gold is the best for everyday use and the platinum for traveling. Those lounge access will save you lots of money from buying food at the airport and it will elevate your travel experience (which most people put on the side).

@christopher6189 8 месяцев назад

Another great video!

@carolynridlon3988 3 месяца назад

Just prefer capital one & capital one venture (both without annual fees!) great all around card & great customer service!

@KevinnPOV 9 месяцев назад

great video 🤞🏼😁

@faylinameir 8 месяцев назад

Good video! I stick with no annual fee cards and I figure once I average it out I don't earn anymore than I would if I paid for a card like the amex or whatever. Gotta know how you personally spend money. I got the chase prime card, red card, citi double cash, citi costco visa, scheels card (only signed up for that bonus lol), discover card which I've had for ages, and a few local cards. Works for me because I know what I buy.

@flubdreload2818 2 месяца назад

As someone who is heavily invested in the Apple Ecosystem for the past 10 years, the Apple Card does help with the 0% interest on things like their iPhones, which regularly gets replaced every two years. Aside from that, I agree. For an average person who doesn’t utilize almost every single product from Apple, it’s not necessarily useful.

@aka_smalls Месяц назад

If you need 0% interest, you shouldn’t necessarily be buying expensive Apple products

@avres13 9 месяцев назад

Personally, I like the Apple card when I’m at work because if I eat in the cafeteria which will have a pizza oven a grill and full kitchen, Chase and Citibank don’t consider a restaurant but as a hospital purchase. But since they have Apple Pay, I at least get 2% back when I decide I want some ribs and a salad for lunch. Seems to work well with my setup with my other 4 cards

@wingsuitzero 9 месяцев назад

I think the D grade is harsh. The physical card? Yes but when you do Apple Pay you universally get 2% which is up there with the best cash rewards cards out there. Not to mention Apple Card has the absolute top tier UI.

@kerrydaniels8460 Месяц назад

@wingsuitzero Nah I think D is right. There's nothing really special about it and having to jump through hoops to get cashback vs literally just getting the cashback with no strings attached is not the same. Other cards have bonuses and many of these cars have 3%-6% cashback options for pretty popular categories. I wouldn't even bother with ESPECIALLY after the bank that sponsored it is having issues with it and they are potentially screwing that whole thing up even more. So nah, it deserves D imo.

@georgelopezmyfav123 Месяц назад

These will be one of my first credit cards, but I'm most likely gonna start from the B tier cause I don't travel, buy too much, or use things like Amazon that much.

@Pray1989 28 дней назад

I have the SoFi and Capital One Quicksilver. Trying to figure what to go for next… 🤔

@siumaka 9 месяцев назад

Remarkable that you cover so many so quickly. Would love to know how you rank BOA cards too. AAA cards?

@Daniel_Braun 9 месяцев назад

Thanks! Haha yeah I tried to cover a lot here so I had to keep things moving. Obviously there's still a ton of cards that I could cover like those - I'd say for BoA cards like the Customized Cash and the AAA card, those would go in the B tier as solid cash back options. The thing about no annual fee cash back cards is that there's usually little to dislike, but the upside is limited compared to travel rewards. So those would be some examples of more solid B tier cards that I think are worth it for people on Team Cash Back!

@pancholol2x 8 месяцев назад

straight to it I like this

@jacielespinosa-severo7134 9 месяцев назад

You are crazy putting the U.S. Bank altitude go credit card in b tier, it is my go to for Restaurants and takeout. It’s an easy s tier

@jjstew35 7 месяцев назад

I got an AmEx Platinum a year ago because I heard it was a good card and worth it but I’ve been kinda disappointed it doesn’t give me much value for restaurants and groceries. This video is how I’m finding out that Gold does give value on those things. Guess I need to get a gold now

@ryan56976 7 месяцев назад

Problem with this, buying through those sites, you typically pay more for flights, hotels, and rental. Which I why I prefer my bonus as cash back

@passivedividendsoptions 7 месяцев назад

Best card for utilities? Should we just look for the highest cashback card, like 2% ish?

@terrencetroope 9 месяцев назад

The Chase Sapphire Reserve and Amex Platinum with the active duty annual fee waiver, is king.

@Rotary1999 8 месяцев назад

Does the active duty annual fee waiver last for life or is it just until you leave active duty?

@ttuarmyjag84 8 месяцев назад

Technically just while on active. It’s my understanding they won’t follow up for some time but eventually they will cut off the annual waiver. Not clear how they find out

@chukwuebukaokafor3468 8 месяцев назад

I did enjoy platinum on active duty but when I joined reserves, they hit me with $690 annual fee. I almost shed tears lol. I downgraded to green amex and I got some money back around $220. The excess from the platinum annual fee.

@metalNmetal93 3 дня назад

This was a lot of information for me to take in but what would you suggest is the best cash back rewards card for online/flexible shopping other than amazon prime?

@paulfeasal6024 3 месяца назад

The Chase Satfire you can get without an annual fee.

@m0cho 4 месяца назад

The navy federal more rewards card deserves a spot on this list

@francestan70 8 месяцев назад

Love your Penn state mug, do you think you can share your experience from Penn State Smeal?

@joshuaflask3091 2 месяца назад

Like you've said it depends on how what your spending is like

@anthonyjames4319 22 дня назад

According to your chart the Capital One duo is god tier.

@Daniel_Braun 22 дня назад

I think it's one of the best Duos in terms of earning miles, yes

@napahkiin9624 7 месяцев назад

You should rank airline credit cards! Ive always wondered if i made thw right decision.

@gabbsespino 7 месяцев назад

What you think of Alaska airlines to get flight point or is venture just better. We just want to be able to fly cheaper. You have a video?

@colbybailey_platty 9 месяцев назад

HOW is the Apple Card a D tier…. It’s literally 1-3% cash back with NO annual fee……. How is grouped with those other cards

@NuHabitsGroup 8 месяцев назад

But you have to own an IPhone. Which is like a $400-$1200 prerequisite.

@2locallocos500 7 месяцев назад

You don’t have to own an iPhone. I personally do like this card. If you have the iPhone upgrade program and any apple subscriptions, you can put that on this card and earn 3% back. What is nice is you can then put that into the Apple savings and earn 4%apr.

@Yung.Ert. 6 месяцев назад

@@NuHabitsGroupyou don’t but even if you did that still has high value in America where most people that would want this have an iPhone so that doesn’t really lower the grade.

@jimmycreighton4344 4 месяца назад

The citi double cash card does not have the standard welcome offer and you were lucky to find that it did when you were looking. I personally would rank the the Wells Fargo active cash above the double cash in A tier because it has the full time welcome bonus and it only takes $500 spent vs 1500 spent to get the $200 bonus on top of that.

@NFace23 7 месяцев назад

came for the credit card discussion. subbed for the penn state mug

@levichuculate8772 9 месяцев назад

Stupid question but does a business have to get a “business” card or can they get any credit card under the business name?

@AdrianNucete 8 месяцев назад

No hate, but I'm pretty certain this is a CapitalOne Ad lol. He mentions Identical benefits and price between the Savor One and the Autograph Card (Actually the autograph card gives an extra $100) and somehow Autograph gets B whereas SavorOne gets S (and in my opinion, plenty of other cards are better than the SavorOne). I dunno, can you go deeper into why you made that distinction?

@Daniel_Braun 8 месяцев назад

It very much has to do with the greater upside value that the SavorOne card has in the Capital One ecosystem because the cash back on that card can be turned into more valuable miles for travel when paired with cards like the Venture or Venture X. Currently the Autograph card is just cash back, but that could be changing soon with potentially transfer partners! When the Autograph card gets transfer partners (if they are good) then it will get bumped up to the A or S tier. It’s really all just personal opinion as well here, so nothing wrong if you like the Autograph card more than the SavorOne. Both are excellent options, but SavorOne has more upside value at the moment 👍

@michaelmassaro3483 8 месяцев назад

Great video. The only thing I disagree with is Apple Card being in category D. I love my Apple Card. 2% back on nearly everything (because almost everyone accepts Apple Pay these days) which gets deposited directly into my high-yield savings account, it’s on my phone so always with me even if I don’t have my wallet, high credit limit, the ability to have a payment reflected in my balance immediately and the ability to change numbers in case of a security issue. All with zero fees. Yeah…no sign-on bonus, but a great card otherwise if you use it correctly.

@Sakurasan2023 9 месяцев назад

Love the video 📹 ❤️

@Daniel_Braun 9 месяцев назад

Thank you!

@Sakurasan2023 9 месяцев назад

@@Daniel_Braun you're welcome

@mike4088 9 месяцев назад

Would you be able to do a tier list for those of us that have to book through applications like Concur? It’s quite common in business settings. I found the reserve to be my favorite because it gave me 3x back on all my work trip spend categories. I feel like there are better cards though.