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My 7 Credit Cards and How I Use Them

Personal Finance with Leila - Debt Over It

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My 7 Credit Cards and How I Use Them:
Chase Freedom Flex:
-Groceries (5%)
-Travel (5%)
-Dining and drugstore (3%)
-Quarterly 5% categories
Discover Card:
-Quarterly 5% categories
-'Other' category 1% but technically 2% since they match my cash back for the first year
Bank of America Cash Rewards:
-Online shopping 3%
Capital One Venture One:
-'Other' category 1.25 points so I'll go back to this after my Discover year expires
UPromise:
-Oldest card and I only use every 6 months or so for a $5 or less purchase to keep it open
Barclays Apple Rewards:
-Second oldest card (same as above applies)
Care Credit
-I never use this, just keep it open in case
ALL LINKS BELOW FOR BONUSES/REFERRALS
#CreditCardRewards #PassiveIncome
Financial Coaching: debtoverit.com...
Get on my Money Monday List: www.subscribep...
Money Blog: www.DebtOverIt...
Follow me on Twitter: / debtoverit
Support me: www.buymeacoff...
__________________________________________________________________________
ACCOUNT BONUSES
Marcus by Goldman Sachs HYS Account: www.marcus.com...
Earn 0.20% higher than the stated APY for 3 months (currently will be 0.7%)
Discover: refer.discover...
Earn $50 after making a purchase in your first 3 months
Chase Freedom Flex:
referyourchase...
Earn $200 after spending $500 in first 3 months
No annual fee
CapitalOne Venture One: capital.one/2J...
20,000 miles after spending $500 in first 3 months
1.25 miles per $1 spent
No annual fee
MAKE MONEY
--Rakuten (earn $30): www.rakuten.co...
--BeFrugal (earn $10): www.befrugal.c...
--MaxRebates (earn up to $50): www.maxrebates...
--IBotta: ibotta.com/r/8...
--Fetch app: Use my code EJH9Y for 2,000 points
INVEST & EARN MONEY
--M1 Finance (Get $30 after investing $100): m1.finance/2RL...
--WeBull (Get 2 free stocks after depositing $100): act.webull.com...
--Robin Hood (Get a free stock!): join.robinhood...
____________________________________________________________________
MY LIFESTYLE CHANNEL: / livinglikeleila
GOAL ACHIEVEMENT COURSE: livinglikeleil...
SELF-DISCIPLINE COURSE: livinglikeleil...
CHECK OUT MY BLOG:
www.livinglike...
MY ETSY SHOP: www.etsy.com/s...
I N S T A G R A M : / livinglikeleila
Camera I use (Canon EOS M50): amzn.to/2KpcE9k
Microphone I use: amzn.to/2KI43zU
Business inquiries: contact@debtoverit.com
Song:
Picnic (Prod by Lukrembo)
*The links above may be affiliate links. This just means that if you make a purchase through one of the links, I make a small commission at no extra cost to you. I appreciate the support!
DISCLAIMER: I am not an expert or a financial advisor. I simply love talking about finances and want to share my journey to financial freedom and help others along the way!

Опубликовано:

27 май 2021

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Комментарии : 66

@moneybee 3 года назад

It's so fun learning whats in peoples wallets! When used correctly, credit cards can be such a nice wind at your back! Really nice walkthrough!

@PersonalFinancewithLeila 3 года назад

Thank you!

@lotto5742 2 года назад

I have 9 credit cards and each serves a different purpose. One for gas, one for entertainment and dining, one for groceries, etc.

@PersonalFinancewithLeila 2 года назад

Love that! Credit cards are awesome

@minnienartanaid 3 года назад

Great video Leila! I think it is very fun to be competitive with trying to get the best cash back for whatever category you're spending on as well. It excites me knowing I got 5% cash back for buying my groceries using a credit card versus a debit card where you don't get any rewards at all. Also get exciting when you get to redeem the cash, passive income like you say is awesome 😎

@PersonalFinancewithLeila 3 года назад

I remember my statement dates because I know after they pass I'll get my rewards 😂 It is super exciting!

@ronettemalone 3 года назад

Leila!!! You are sooooo close to your goal of 5,000 subscribers! 😍

@PersonalFinancewithLeila 3 года назад

So exciting!! 🙌🏻

@24FlyT 3 года назад

This was a great video & thanks for that gift card tip @ the grocery store!!

@PersonalFinancewithLeila 3 года назад

Thank you! And yeah I just might end up buying $1500 in grocery gift cards next year 😂

@otisbloo Год назад

Your voice is very soothing!

@PersonalFinancewithLeila Год назад

Thanks! 😊

@otisbloo Год назад

@@PersonalFinancewithLeila you’re welcome! So how many cards do you have now since the video? Did you add any good ones?

@djpuplex 2 года назад

You can close a old credit card it stays on your credit history for five years. Removing a card can effect your credit via raising your utilization not your age.

@ajulydreamer 3 года назад

I think it’s impressive that you have that many cards and are good at managing them. For me the temptation is too high so I keep only 1 (had 2 but closed one) which serves my purpose (points + cashback).

@PersonalFinancewithLeila 3 года назад

Yeah it's definitely not for everyone! I'm glad you understand that about yourself though and are responsible!

@rachaelv1140 3 года назад

I currently have two credit cards. One I use for gas and bills. The other is used for groceries, misc, household items, etc. The rewards are about the same on both. My Sam’s Club card just does in store credit, so that is why I choose not to use that one as much whereas my Costco cards gives me a check every February. Credit cards are great when they are used responsibly. When you start carrying a balance from month to month that is when they become a problem. I have done one promotional card. Paid it off in six months and canceled it. That one didn’t hurt my credit score because there was not much history on it.

@PersonalFinancewithLeila 3 года назад

Definitely agree, always got to pay them off!

@mrchase1 3 года назад

This is certainly motivating me to switch to my reward cards instead of my debit card. The temptation to use credit cards irresponsibly is not an issue.

@PersonalFinancewithLeila 3 года назад

Yeah I know you would be responsible with your spending and you would actually probably make more than I do!

@MissEnglish123 Год назад

I’m a person who gets easily bored & I found ur credit card strategies quite interesting 🤨

@coreyfuggins2945 Год назад

Thank you so much for sharing!

@PersonalFinancewithLeila Год назад

Thanks for watching!

@JaniVMD 3 года назад

I am definitely getting a new card next year when we move since I will get reimbursed and we will need a lot of things. Love this video!!!

@PersonalFinancewithLeila 3 года назад

Thanks Jani!!

@PersonalFinanceWithAshtyn 3 года назад

I just got a discover card an am using it for gas right now! Hopefully I’ll be getting a lot back with the matching and the 5% right now!😁😁

@PersonalFinancewithLeila 3 года назад

Yess so exciting!!

@miamercedes7766 3 года назад

Love this information, thank you.

@PersonalFinancewithLeila 3 года назад

Thanks Mia!

@kmque3166 2 года назад

The new citi custom cash card is awesome u may want to get that one on next card pull.

@PersonalFinancewithLeila 2 года назад

I applied and got approved last month!! I should be getting my bonus in a few days. It's definitely a great card!

@magomago7819 3 года назад

Cap 1 cancelled it's travel benefits, what are some good cards for travel(auto rental insurance for example)

@PersonalFinancewithLeila 3 года назад

I use Bank of America Cash Rewards to get 3% cashback in travel, but otherwise I believe Chase Sapphire Preffered has a huge travel bonus right now!

@DugrozReports 7 месяцев назад

You didn't tell us which specific CapitalOne card you have, but from the 1.25 miles on each purchase, I'm guessing it's the VentureOne.

@PersonalFinancewithLeila 7 месяцев назад

Yes that's the one! Sorry about that I also have the Venture X card now and I love it!

@DugrozReports 7 месяцев назад

@@PersonalFinancewithLeila Massive upgrade! What’s your favorite redemption?

@PersonalFinancewithLeila 7 месяцев назад

@@DugrozReports I ended up using my cash back to cover a full 6 nights for our Airbnb in Costa Rica!

@georgina4874 3 года назад

Great video.

@thelight3270 Год назад

How do you see a list of all your credit cards and how long you’ve had them? Is that from a credit report?

@PersonalFinancewithLeila Год назад

Yes or you could use an app like Credit Karma

@thelight3270 Год назад

@@PersonalFinancewithLeila thank you!

@bfmzgaming2131 2 года назад

she is so beautiful and smart.

@RainbowVegansRock 3 года назад

You're definitely proof that you can use credit cards sensibly and make use of the benefits. I've had several credit cards and just stopped using them when the 0% interest stopped, oops.

@PersonalFinancewithLeila 3 года назад

I wouldn't say oops! Lol I know for some people it's not worth the effort/extra thing to remember so it can be easier to avoid credit cards!

@RainbowVegansRock 3 года назад

@@PersonalFinancewithLeila Yeah you're probably right. Paying attention to cash back on credit cards seems to be a great way to get passive income, I'll bear that in mind for the future. Thanks for your knowledge. 😊

@DB6904. Год назад

Hi, question have you been able to still keep your care credit card open? If so do you put any spend on it?

@PersonalFinancewithLeila Год назад

That one closed after no use for awhile!

@DB6904. Год назад

@@PersonalFinancewithLeila I'm sorry to hear that.

@thatoneguy94512 2 года назад

You should come to tampa and come shop with me 😉

@princessmeganelsa8952 2 года назад

7 credit cards wow i rather stick with 1 credit card easy for me lol 😆😆 just gettin use to my new platlium card 🌹💗

@PersonalFinancewithLeila 2 года назад

Yes definitely personal preference! 1 is perfect 😊

@princessmeganelsa8952 2 года назад

@@PersonalFinancewithLeila 😊😊😊❤️

@ESSHD 2 года назад

Very Beautiful!

@j.r.1426 2 года назад

Nice video have you added anymore credit cards

@PersonalFinancewithLeila 2 года назад

Thank you! I have! 2 more this year lol plus the Upgrade card which I got a $400 bonus from

@ericsavage215 2 года назад

@@PersonalFinancewithLeila Hi there, I’ve actually received multiple offers for various Upgrade cards. Other than the bonus, how do you like the card so far? I’m into credit cards myself. I currently have 22 active accounts. I’m feeling your channel and keep up the good work 😎✌🏾.

@rfernandez1648 Год назад

I use to do this but I stopped back in 2019, I put my entire vacation on the Barclays jet blue card, I had 7000 saved for my vacation and spent 6,324 for the points. I came back to a surprise 2500 IRS bill, the brakes in my car had hit the floor, and my 17 year old son, who bares my name, had taken the Liberty to quit his job and use my Bank of America card to splurge on Uber eats/door dash and Xbox games… totaling over 4000. Then A month after returning from my vacation I needed surgery to remove a cyst on my throat 1500. Needless to say that is when I had what Dave Ramsey refers to my “OH CRAP” moment. My total Bank of America balance had ballooned to 9500. 4 years later I am still paying on my card because Bank of Americas “investigation” determined that the charges were legitimate. Play with snakes and you will get bit was the lesson learned.

@LA-py2iu 3 года назад

That was my first card, too with Barclays! It’s my oldest account and now my highest limit. It only grew that much since I used it so much for balance transfers and mistakes in the past 😳 Edit to add: had banana republic card first but closed it. Care Credit: promo over $200 starts at 6 months and the 0% promo time increases with more spent

@PersonalFinancewithLeila 3 года назад

We have similar credit card history lol since I had and closed my Macy's card first! Barclay doesn't have any good rewards unfortunately