Is This REALLY the BEST 2 Credit Card Combo Out There? 

Why do you keep pushing max rewards when that application doesn’t work as you describe it. You have no credibility. You are a sell out.

🤣 I'd be proud to be a part of that group lol

Does that make Jerome Powell Thanos? 😅

Big time Spence!

@@Jay-L I appreciate you Jay!

@@SpencerJohnsonOfficial You're moving on up like the Jeffersons.

@@Jay-L 🤣 I'm just trying to enjoy the journey and connect with like-minded folks along the way!

Of couse Sterling! I'm glad you enjoyed the video and also get a ton of value out of this duo as well. Being able to maximize each of the earning categories (and credits) is awesome!

That's exactly how I use them!

Simplicity is a big perk of this duo, that's for sure!

Love to hear that!!

Happy to hear that David! I do like having access to as many partners as possible and the fact that there's some overlap is actually a positive in a lot of cases since you can effectively combine points between multiple different lenders on those shared partners. I'm glad you agree though!

I'm glad you enjoyed it Cesar!

I'm glad you agree Raymond! The Citi Custom Cash is a solid addition for that dedicated gas card and it's provided me some solid value so far for sure.

Spencer uses the citi custom cash which gives 5x, meanwhile, Ben uses the Wyndham business which gives 8x. That's a pretty decent difference, if spending $400 a month on gas. Worth it IMO, to get a dedicated gas card at that point

That's great to hear! As L.K. mentioned below, I do use the Citi Custom cash for gas and it's a really nice card to slot into this setup if you're looking for only one card to fit that spend. It depends on your goals though!

@@LK_EBM Thank you for pointing that out L.K.! I definitely think the Custom Cash has been worth it. Especially when I add the Citi Premier at some point down the line to transfer out to travel partners.

I do the same! This was more of a hypothetical, but I'll be continually applying for new cards personally.

Freedom or Hyatt to close out 5/24. Then Venture X or one of the Citi.

I love to hear that!

Thank you for watching!

You can add as many cards as you'd like to make this a more complete setup. Eventually you will start to add cards with overlapping categories, but if you can cover your main spending categories at a high earning rate in a point ecosystem you value, that's what matters.

@@SpencerJohnsonOfficial Thank you. I appreciate the feedback.

@@Ryan-iq2zd No problem!

It's such an easy card to get value from if you take advantage of those credits, that's for sure!

I agree. Ben is the one who brought that card to my knowledge and it's definitely solid if you like to earn Wyndham points.

Congrats on that approval! As you can tell, I'm a big fan of the Amex Gold if you can take advantage of those credits naturally.

Can you transfer Citi points to partners with only the custom cash card? Or are you just getting cash back?

i haven’t tried yet, but I guess for this you will need Citi Premier card.

@@LK_EBM You'd have to have the Citi Premier to transfer out, so that would be a 4th card to add if you wanted this to be a full travel setup.

That's a solid trifecta for sure! You'd have to add the Citi Premier as a 4th card to get max value with travel partners, but it's still a solid setup. Also, to my understanding, you'll have to hold another Citi card for 1-year before product changing to the Custom Cash which delays the completion of the setup a bit, but maybe that's changed!

@@SpencerJohnsonOfficial I’m in the process of accumulating points. So waiting out - actually makes sense for me. + additional sign-up bonus for Citi Premier

Love to hear it! 😆

Streamyard

That's awesome! The value you get from a card in the first year is huge. I would also look at the end of this year to see how much value you would have gotten with the free version of the Savor card (the Savor One), because with that $95 annual fee on the regular Savor and no credits to cover it in year 2 and beyond, the free version could make a lot of sense.

Yep, that is a separate category

That's why I like Chase for my food and dining spend. They cover categories like coffee shops, bakeries, bars.. etc

I appreciate you Tony! You're the man.

Well well well who’s here the one and only Anthony Venture X 😅 👍

@@chrisv4920 Hahaha my day was brightened when I saw his comment on this video lol

@@chrisv4920 And look who’s also here, my brother, Chris Venture X!

They are both credits. One is a statement credit and the other is a credit deposited into your Uber cash account. However, neither of them roll over, so they are valued at the same number. At the end of the day, if you use both credits every month, you're getting $20/month back, bringing the effective annual fee down to $10 since you're paying $250 for the annual fee and get $240 back.

@@SpencerJohnsonOfficial No, Uber credit gets deposited no matter if you use it or not, does not require any additional effort. Dining credit requires you to spend an additional $10 which will be returned back. So, you paid $250 for a card, the card returned $120 use it or not, but it was deposited into an Uber account so all we have to do is to pick up something that costs $10 or more, or less, doesn't matter. Now dining credit, you paid $120 for the card, now you have to spend $120 more, to get the initial $120 back. Let's calculate $120 + $120 - $120(credit)=$120, ups, where is credit? Card cost $250-$120 Uber + $120 additional spend - $120 dining credit= $130, not "effective" $10. If you don't believe me ask your accountant.

@@eduardazayev4230 If you don't use the Uber credit, your effective annual fee will be $120 more as well. It goes both ways. I understand what you're trying to say, but at the end of the day, you get $240 back from this card every year if you spend $10/month with the dining credit and $10/month with the Uber credit.

@@SpencerJohnsonOfficial even if I don't use it Uber credit still starts with -$10, so now it is my choice to take $10 or not, with dining I don't have choice, I have obligation to spend $10, to get it back, never mind that I already prepaid it for the whole year.

@@eduardazayev4230 You prepay the Uber credits as well since they don't accumulate month to month. It's always your choice to use a credit or not. In this case, one is an Uber cash credit and one is a statement credit, both of which have credit in the name. However, I respect your opinion here and if you don't want to call it a credit you don't have to. The fact of the matter is you spend $250 to use this card every year... therefore you are prepaying for both the Uber and dining credits. If you choose to use both every month, you recoup $240. If you choose to not use one, but use the other every month, you recoup $120, if you choose to use neither, you recoup $0. It's just a math problem here and how you word it may be different, but the math stays the same. I think this is a good discussion to have so people can better understand what a credit really is, so thank you for bringing it up and I hope you understand where I'm coming from here.