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Revealing The INSANE Perks of The $10 Million Dollar Credit Card 

Graham Stephan
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Today we're going to review the $10 Million Dollar JP Morgan Reserve Credit Card and how it compares to its competition - Enjoy! Add me on Instagram: GPStephan
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As it is now, the JP Morgan Reserve annual fee is $450 per year - and for that, here’s what you get:
1: You’ll get a $300 per year travel credit that automatically reimburses you for ANYTHING travel related.
2: You’ll also get a $120 Statement Credit For Doordash Deliveries, and free DashPass for 2 years - which is worth another $120 per year.
3. You’ll also get 1 year of complimentary Lyft Pink when you activate the service using your card - and that’s a $240 value.
4. Next, you’ll also get free priority pass lounge access for yourself and up to 2 guests anytime you travel - and this has a minimum value of $99 per year, all the way up to $399 per year depending on how much you travel.
5. Now, even better than that…one of the unknown perks of this card that I didn’t even know about when I signed up until someone told me…was that it comes with FREE United Club Membership when you request membership over the phone.
6. Sixth, you’ll also get complimentary global entry or TSA PreCheck which works out to a $100 statement credit every 4 years.
And 7th through 15th…you just get a whole bunch of other perks and services, like up to $10,000 worth of trip cancellation, complimentary rental car insurance, complimentary roadside assistance, lost luggage reimbursement, free hotel upgrades and services, and even free medical and emergency dental benefits when you’re more than 100 miles away from your home.
Now, in terms of EVERYTHING ELSE though - and how it compares with OTHER credit cards out there - from my experience, it’s definitely BETTER and it has a LOT of improvements - but, it’s not something that’s so crazy or hyped up to be a “$10 million dollar credit card.”
For example, let’s compare it to the Chase Sapphire Reserve. To get this card, it’ll cost you $550 per year…pretty much anyone can get it if you have a thorough credit history…and it has NEARLY THE EXACT SAME BENEFITS as the JP Morgan Card.
The American Express platinum also costs $550 per year…but, some of its benefits are a little more niche.
For instance, instead of giving you a broad travel credit…they’ll just give you a $200 airline credit towards incidentals that you can redeem through one airline of your choice. You’ll also get complimentary Centurion Lounge Access anytime you travel. American Express will also reimburse you $15 per month in Uber Expenses, and that increases to $20 in December. You’ll also get $100 per year to spend towards Saks 5th Avenue.
They’ve also just recently added on a $20 per month free streaming credit that you could use towards Spotify, RU-vid Premium, Netflix, or anything like that through the rest of the year…and a $20 per month Phone Credit when you pay your phone bill through the American Express Card.
Even though the JP Morgan card is almost identical to the Chase Sapphire Reserve…this does come out ahead. It’s got more benefits, a lower annual fee, and better customer service. It’s REALLY easy for this card to pay for itself almost immediately, and everything after that as profit.
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*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

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28 июн 2020

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Комментарии : 2,5 тыс.   
@DanielIles
@DanielIles 4 года назад
*J.P. Morgan reserve is definitely the computer class nerd no one noticed until he got jacked and rich in his 20s*
@GrahamStephan
@GrahamStephan 4 года назад
What an oddly specific analogy, but it works
@kas2388
@kas2388 4 года назад
Graham Stephan lmaoooo
@ishmuga4094
@ishmuga4094 4 года назад
@@GrahamStephan what about the black card
@DanielSan1776
@DanielSan1776 4 года назад
That’s a good name I approve
@scanialover
@scanialover 3 года назад
@@ishmuga4094 it’s that rich kid in school
@keerankirubakaran432
@keerankirubakaran432 4 года назад
Why are credits cards so weirdly interesting!
@blakeblood9196
@blakeblood9196 4 года назад
Because you can use other people's money for ”free” or to be paid to use other people money
@user-jy7yw5kw3w
@user-jy7yw5kw3w 4 года назад
They're like Pokemon cards for adults, gotta collect em all, hit the sign ups, maximize the cash back, credit cards
@blakeblood9196
@blakeblood9196 4 года назад
odintri you simply just need a secure line you hand them $500 they give you $500 Limit they return cash after 6-12months depending on bank
@christiankitzmiller4298
@christiankitzmiller4298 4 года назад
Eric Anderson Because maximizing cashback is a way to stretch/recycle your dollar with money you would spend otherwise with minimal effort by simply swiping a card and paying it back.
@neopabo
@neopabo 4 года назад
@Eric Anderson What if you want to buy a house and rent it out, and make your money back within a year, but 35k is insufficient, and you have no recent credit history
@user-lt5gg6xh7r
@user-lt5gg6xh7r 4 года назад
I feel like when you have $10+ mil, all those perks are kinda irrelevant...
@krejziks3398
@krejziks3398 4 года назад
@Daniel Carlyle If you call stingy and saving knowledge of how to get their spent money back, then ok.
@senseiadam-brawlstars9465
@senseiadam-brawlstars9465 4 года назад
Not really. Many rich people (like Graham) are hustlers who like to save every money wherever they can.
@theStumblinbear
@theStumblinbear 4 года назад
If you have that much, it's likely held up in assets. You likely make more by delaying payments as much as possible than selling when you need money.
@HipHopShowRoom
@HipHopShowRoom 4 года назад
N M lol exactly! People won’t give to a homeless guy but are happy to give a rich guy whatever they can for free!! Fkuc capitalism lol
@smashead
@smashead 4 года назад
@@HipHopShowRoom he said, typing on a computer or phone bought via capitalism. and making spelling mistakes not bought via capitalism.
@ChristopherHeinz57
@ChristopherHeinz57 4 года назад
Graham: "Revealing the INSANE perks of the $10 million dollar credit card" Also Graham: "it's basically 99% the same as the Chase Sapphire Reserve"
@tarekelshayeb687
@tarekelshayeb687 4 года назад
Literally!
@Spawny500
@Spawny500 3 года назад
click bait title
@jeffdorfman2629
@jeffdorfman2629 3 года назад
If you live in a United hub city or travel to hub cities that United club membership is worth a ton. The priority lounges are not as good and usually located in the wrong terminal. I think that perk is very binary. Either worth 500 bucks to you or mostly worthless.
@imgonzalez
@imgonzalez 4 года назад
Graham: Dang this Annual fee coming up Graham again: wait I got an idea...
@GrahamStephan
@GrahamStephan 4 года назад
haha!
@zerotoeverything4348
@zerotoeverything4348 4 года назад
yyyyyyyyyyyyyy6yy6y6yyhhlj 8
@ChrisT739
@ChrisT739 4 года назад
Graham Stephan can u teach us how to meditate?
@brettbeckwith5187
@brettbeckwith5187 4 года назад
The INSANE Perks of my Student Discover Card: i buy candy with it sometimes
@theg35project50
@theg35project50 4 года назад
What kind of candy though🤔🤔🤔
@BrianUtne
@BrianUtne 4 года назад
@@theg35project50 Sour Patch Kids. Always Sour Patch Kids 😂
@brettbeckwith5187
@brettbeckwith5187 4 года назад
@@theg35project50 definitely starbursts
@Mak2Grim
@Mak2Grim 4 года назад
if it ain’t the lifesaver gummies ion wanna here it
@zill0678
@zill0678 4 года назад
Skittles or bust
@danibonilla1
@danibonilla1 4 года назад
I followed your instructions during the video and I smash the like button 4 times. I think I unliked it
@branlynmorales8951
@branlynmorales8951 4 года назад
Dani Bonilla :O
@cazpk6840
@cazpk6840 4 года назад
lol
@daveselbow9128
@daveselbow9128 4 года назад
@@jeanniedmitruk5955 that sounds totally legit
@johnnyfrankenstein0123
@johnnyfrankenstein0123 4 года назад
@@jeanniedmitruk5955 wow a youtube comment offering covid-19 relief money somewhere from $1000 dollars to $10,0000? man that seems real, i cant wait for my $10,0000 dollars :D
@HorrorWorldx
@HorrorWorldx 4 года назад
Jeannie Dmitruk ok scammer
@cwayne4
@cwayne4 4 года назад
I feel like a guy with 10M wouldn't be your typical Lyft and DoorDash user.
@asod614
@asod614 4 года назад
You would definitely be surprised I have to say. Lyft Lux everywhere in big cities because you can pick them up everywhere, never have to park. People that wealthy will never cook so during a pandemic they are almost always using DoorDash which is why it was added on. Source: Lives in Palo Alto
@nopenope404
@nopenope404 4 года назад
Yeah, when it's more expensive to go pick food up than have it delivered you are definitely using for delivery services. It's the, "mail me ingredients in a box" so I can cook at home I don't understand.
@davidtubesing79
@davidtubesing79 4 года назад
But they do. 10M isn’t that “rich”
@SnowCrashed1
@SnowCrashed1 4 года назад
They do in Manhattan
@rowen0fstrata
@rowen0fstrata 4 года назад
I think this is the dumbest comment I’ve ever seen on a RU-vid video.
@dirtrichdustin4372
@dirtrichdustin4372 4 года назад
Dave Ramsey would be dying if he watched this 😂
@LiveWithDes
@LiveWithDes 4 года назад
lol heart attack cardiac arrest
@ImHumid
@ImHumid 4 года назад
imagine if Graham made a video calling into Dave Ramsey's show and debating with him why he thinks credit cards are useful
@descendency
@descendency 4 года назад
"Credit cards?! Real Estate? 30 year mortgages? Smashing Like Buttons?!@#!"
@walkinmyshoes1254
@walkinmyshoes1254 4 года назад
STUPID! hehehe
@ilovenyc2129
@ilovenyc2129 4 года назад
Humid @graham stephan you should call dave and do this
@Manuel_Juarez
@Manuel_Juarez 4 года назад
JPMorgan: take this video down, we don’t want the added attention to the card. Haha
@yourlifetrulymatters
@yourlifetrulymatters 4 года назад
Lmao they don’t advertise cuz they know we broke people don’t got no 10 mil
@legopnik
@legopnik 4 года назад
This video was sponsored by JPMorgan for sure!
@dmjdmj
@dmjdmj 4 года назад
@@legopnik Considering that is information that has to be legally revealed, it's highly unlikely.
@legopnik
@legopnik 4 года назад
Bryces it’s not about 10mil on your account, it’s about popularity of JPMorgan services. Couple of good words on this and other channels and extra clients comes as a guarantee. People will start researching about their services, cards and conditions. If JPmorgans’ will meet their needs then it’s a big plus.
@legopnik
@legopnik 4 года назад
dmjdmj It shouldbe, but there is also a high probability that it may be hidden. Keep in mind that every influencer across different platforms has to deal with product integration. Someone does it good, so the viewer won’t even spot it. And there is someone who does it in the most inappropriate way.
@ad_ham7006
@ad_ham7006 4 года назад
What I wanna know is what he said to the people on the phone after the cut.
@ajdexter4195
@ajdexter4195 4 года назад
Subsc
@ajdexter4195
@ajdexter4195 4 года назад
Subscribe lmao
@PotatoGod69
@PotatoGod69 4 года назад
@@ajdexter4195 that was before they pick up
@fatman12345678910100
@fatman12345678910100 4 года назад
As someone who currently works at a card services call center, I honestly hope he just hung up haha. Unnecessary calls drive people crazy when they're measured on how many problems they solve per hour.
@rubencarbajaljr.310
@rubencarbajaljr.310 4 года назад
Almost spit out my drink when they answered in less that 10sec😂😂😂😮
@xbaba96
@xbaba96 3 года назад
It’s amazing what $10m can do for you 😅
@fascinatingworlds1257
@fascinatingworlds1257 4 года назад
Watching your channel always gives me the feeling that im broke as hell
@olafhorst8057
@olafhorst8057 4 года назад
Ive got the Same feeling
@friedolinburch9557
@friedolinburch9557 4 года назад
Thats because you are broke
@clownfish1
@clownfish1 4 года назад
don't let that distract you from Graham's pronounciation of "niche" 😂
@lilbayne
@lilbayne 4 года назад
The Sapphire Reserve is actually $450 for this year, and then $550 starting next year. It was going to be $550 this year, but then the rona hit.
@ethaningoa7461
@ethaningoa7461 4 года назад
A_M_P unless you actually were going to earn more than the $100 difference without the Rona
@jalabi99
@jalabi99 4 года назад
10:53 The word "niche" has three acceptable pronunciations: /niCH/, rhymes with "witch" /nēSH/, rhymes with "sheesh" /nish/, rhymes with "fish" I prefer the second one because that's how the word is pronounced in French (the word's original language).
@jordanleblanc4699
@jordanleblanc4699 4 года назад
" the worlds original language" dfkm in brackets to as if it is a factual statement. i hope thats some trophy saying french people say to keep their chins as high as their ego's ahahah Tamil is considered the oldest language btw, simply google search would answer that. im french canadian nothing against the french, was justa joke earlier, but woeful ignorance is just cringy to watch. unless it wasa joke, than it is kinda funny cuase only the french would say something like that considering english french and spanish derive from latin.... and latin isnt considered ancient ancient. althought i probably just got suckered into a troll remark ;"P
@anothereden6673
@anothereden6673 4 года назад
@@jordanleblanc4699 Not world but word's. As in the word niche originally came from the French language.
@livys788
@livys788 4 года назад
@@jordanleblanc4699 🙄 Talking about ignorance when you didn't even read the comment right. Word not world mister, know the difference
@ternedo6074
@ternedo6074 4 года назад
Jordan Le Blanc can you even read?
@jordanleblanc4699
@jordanleblanc4699 4 года назад
Ternedo Ternedo apparently not 👌😬🙈. Thought i read world not word. thanks for pointing it out after it was already done so. im not one to veer away from my mistakes or hide from them by deleting my comments. People fear reprimand to much, nervous of there faults being pointed out, afraid to self reflect and learn. Thankfully im not. Being chirped out def has me re reading not only my comments but what im commenting on, to not look like an ass like i did here. even tho it being pointed out before you did so, i guess that wasnt enough for you? Thought maybe i misread that comment too? Shorten for me maybe? Thanks 🙏 🙈 maybe i should respond after the first person points out cause clearly two more people felt the need to do so 😂 not sure why but oh well🤷🏻‍♂️ like myself we all feel our voice needs to be heard so i understand ur need sorry want to point it out once more. well i hear yah/yall 👍👌 at least the first person had the respect to not come off condescending, insulting or rude like the other two, instead of assuming anything they felt well maybe he just misread it, let me correct him without insult. Another thing more people, like yourself need to learn. Good luck to you 👌👍😂🙏
@kugelschreiber5678
@kugelschreiber5678 3 года назад
I work in the service industry here in NY and I've seen a grand total of 8 of my regular guests with this card. They usually come in everyday, and are honestly some of the nicest people I've ever met. Oh, and they always tip, generously at that. But they also share another thing in common: they're all generally very quiet, and seem reserved, albeit nice.
@thegreatest9282
@thegreatest9282 Год назад
I see what you did there
@ZontarDow
@ZontarDow 4 года назад
"Is it niche, or niche?" It's obviously niche.
@reploid2953
@reploid2953 4 года назад
Ah, yes, how could I have been so stupid?
@stephenvannevel9216
@stephenvannevel9216 4 года назад
Neesh
@10MinuteTrading
@10MinuteTrading 4 года назад
Oh yea! :D
@KristalCherelle
@KristalCherelle 4 года назад
Zontar ahah we agree lol
@Thejrb11
@Thejrb11 4 года назад
It’s like some how some people pronounce “data” as data. Instead of data.
@AbcdEfg-op8kh
@AbcdEfg-op8kh 4 года назад
Its crazy how well savannahs boyfriend has us trained on hitting the like button. By the time i paused the video and clicked outside of fullscreen to hit the like button it was already blue without me even remembering o had already hit it in the first place.
@Koushi82
@Koushi82 4 года назад
savannah better train me better cause i watch the content before smashing the like button girls dont like yes men nice guys finish last you want to be kind telling it the way it is instead.
@matheussantiago4572
@matheussantiago4572 4 года назад
Her name is not savannah, is graham's girlfriend
@Pyridius
@Pyridius 4 года назад
@@matheussantiago4572 How about Savannah's boyfriend's girlfriend?
@matheussantiago4572
@matheussantiago4572 4 года назад
@@Pyridius we can work with that
@stefanegger
@stefanegger 4 года назад
if you would hit the right button I'd be a millionaire also
@calebroper4826
@calebroper4826 4 года назад
I feel like this card would be useless if you didn’t travel
@liveen
@liveen 4 года назад
To be fair though, if you can afford to pay for the card every year, and you have more than 10 million dollars in investments and assets, you're prooooobably someone who travels
@calebroper4826
@calebroper4826 4 года назад
@@liveen exactly, I just kinda wish the card didn't have to revolve around that nonetheless. You are correct though.
@pinkmolly5660
@pinkmolly5660 4 года назад
It's like if you don't sin then Jesus died for nothing. Sorry, I just had to.
@xw3132
@xw3132 3 года назад
Amex Platinum's $200 "airline credit" is way harder to use than this. It's not really airline credit because you cannot use it to buy airline tickets. Some use cases: a) you get reimbursed for check-ins. But if you are spending $200 on check-ins, why not get an Airline branded credit card? Most of them come with a check-in allowance. b) It covers change/cancel fees. This won't be relevant anymore as all airlines dropped their change fees recently. c) It covers airlines lounge access. But you have the priority pass and Centurion lounge access already, make no sense to pay for access. Based on what I've experienced, I would value it at $30-$60. So Chase's travel credit is much better.
@smarttnt9641
@smarttnt9641 3 года назад
Maybe i will give it to my aunt because she likes to travel Lol
@kevinsingh8035
@kevinsingh8035 4 года назад
When you have 5 credit cards but only use debit... The story of my financial life.
@HorrorWorldx
@HorrorWorldx 4 года назад
I only have one debit card so rip me
@noahp2430
@noahp2430 3 года назад
I don’t have a debit card just credit card and rarely carry cash
@AndrewNobleOfficial
@AndrewNobleOfficial 4 года назад
Subliminal messages during the benefits of the Amex black card include smash the like button 😂
@Agent-zc3ns
@Agent-zc3ns 4 года назад
Mr. 8-Bit Doggo subliminals work for sure
@Raterex
@Raterex 4 года назад
I wonder if you can get Ray to be your personal butler everyday ^^
@enigma9860
@enigma9860 4 года назад
Yeah heard it too smash the loke button for youtube algorithm
@charliehsu3850
@charliehsu3850 4 года назад
Graham, I hate to be that guy, but it’s actually pronounced “niche”
@bakersmileyface
@bakersmileyface 4 года назад
Niche or niche?
@sapphirecuddehay4547
@sapphirecuddehay4547 4 года назад
kneesh is the correct pronunciation in English, so Graham chose poorly Que the meme from Indiana Jones ;)
@justinfigley4867
@justinfigley4867 4 года назад
That doesn't help, "neesh" or "nich"?
@raymanley312
@raymanley312 4 года назад
It’s “neeysh” boys
@davidtee5367
@davidtee5367 4 года назад
@@raymanley312 All I know is everyone says gif wrong
@Daniel-hy4gv
@Daniel-hy4gv 4 года назад
8 freaking seconds to get someone from JP Morgan reserve customer service?? LMAOOO now that’s it my man 🔥
@ghostl337
@ghostl337 3 года назад
Imagine being one of those customer service people, sitting... waiting... anticipating a call, staring at the phone, sweat rolling down your face because you know if you take longer than 2 seconds to answer it, you lose your job. LOL
@NuanceBro
@NuanceBro 4 года назад
You forgot the Delta elite status with the Amex black card
@eastonbertoni2164
@eastonbertoni2164 4 года назад
Do they lose your luggage twice as fast?
@snapshot6444
@snapshot6444 4 года назад
@@eastonbertoni2164 lmao
@Henriburger1
@Henriburger1 3 года назад
Why not just fly charters if you have that kind of money to spend? $15k dumped into that card in the first year plus a rumored $250k average yearly spending just to get an invitation. A charter with a group of a few other people can come down to just a few grand per person. Seems like well worth the price to avoid the crowds and other annoyances of airlines.
@traderpete007
@traderpete007 3 года назад
Easton Bertoni delta is really good when you have platinum or diamond status. Instant skymiles if you bags take over 30 min after getting to the gate, and they get you paid for lost bags with zero fight.
@wannabedal-adx458
@wannabedal-adx458 3 года назад
@@eastonbertoni2164 Delta doesn't lose your luggage anymore. They have the lowest lost luggage rate of any airline in America!
@AntwanAhmed
@AntwanAhmed 4 года назад
You’re telling me I can get 3 30 min scooter rides a year all I need is $10M liquid SIGN MEEEE UPPPPPP
@residentadvisor5240
@residentadvisor5240 4 года назад
Honestly it’s a come up lol
@meowmerch3017
@meowmerch3017 4 года назад
Sign meowwwwwup tooo 😈😈
@AntwanAhmed
@AntwanAhmed 4 года назад
MeowMerch now all we need is $10M 😏😏
@Fayknol
@Fayknol 4 года назад
This is like watching a review of a pc/car you'll never be able to afford, and I love it
@djinnofthelamp
@djinnofthelamp 4 года назад
I have had the JP Morgan card since 2014. Some of the other benefits include the card being both a charge card and being able to use revolving credit which in turn means it will never get declined. Once you exceed the actual amount given for revolving credit it automatically turns into a charge card and has to be paid in full the next month. Also, the card has a hidden tradeline which means it is undetectable to the credit bureaus and does not report. The last and final thing is that you don't get any of the fees such as cash transactions or being late on a payment. The card overall is a good card especially due the 1:1 redemption rate for cashback or the .75 increase of points to travel Chase.
@jacksonbilly9979
@jacksonbilly9979 9 месяцев назад
So you pretty much described any charge card in existence. Expect this one is a 10 million card 😂
@Physzique_
@Physzique_ 9 месяцев назад
@@jacksonbilly9979no because it’s has a revolving line of credit first. It’s not a charge card unless you exceed the revolving limit.
@thomaslabelle3093
@thomaslabelle3093 4 года назад
7:02 is where the greatest call in the history of customer service kicks in, lady literally jumps over the voice recording option to say "Thank you for calling" 🤣
@davidliang913
@davidliang913 4 года назад
I thought having a Sapphire Reserve was a card I could flex. Boy am I wrong 😂
@swordstrafe
@swordstrafe 4 года назад
Nah you can flex that especially if you have an Amex plat too 😂😂😂
@6px
@6px 4 года назад
Is that car international
@rainmwhop
@rainmwhop 4 года назад
Been subscribed to u for over a year, but i started cracking up when u mentioned watching this video at 2am because it’s literally 1:58am right now 😂
@Cole-tm2ls
@Cole-tm2ls 3 года назад
i’m so weirded out that it’s actually 2am rn
@justSTUMBLEDupon
@justSTUMBLEDupon 4 года назад
Now this is why I love this guy 😂 Review on credit cards, finances, and especially real estate... one of the few people on RU-vid that can make you a millionaire if you follow his steps and do your research
@GrahamStephan
@GrahamStephan 4 года назад
ah thanks!! :)
@10MinuteTrading
@10MinuteTrading 4 года назад
agree with you!!!
@danieldavila4999
@danieldavila4999 4 года назад
"Quirks and features and then I am going to give it a Graham score." Me: *flinches*
@craigbureygoingtowardsthedream
@craigbureygoingtowardsthedream 4 года назад
Sem
@brianmiller9949
@brianmiller9949 4 года назад
Me: audibly groans
@thattannerguy856
@thattannerguy856 4 года назад
Doug Demuro haha
@khalilyepez2654
@khalilyepez2654 4 года назад
Lmao
@theotherguys5083
@theotherguys5083 4 года назад
I’m actually here randomly at 12am. But you know what they say, it’s 2 o’clock somewhere
@powerprogress5225
@powerprogress5225 4 года назад
Graham, your videos are very inspiring and full of lessons and learning. Absolutely love them !
@dillon557
@dillon557 4 года назад
“A few hundred thousand on dining and eating out” I could never imagine someone spending that much😳
@JohnVanderbeck
@JohnVanderbeck 4 года назад
It's not how much you eat it's where you eat :) In fact you probably get a lot less actual food :D
@lloydaurion-gaming46
@lloydaurion-gaming46 3 года назад
I mean think of Hell’s Kitchen. Not sure how much one meal is there but I imagine it is extremely expensive
@coreym846
@coreym846 3 года назад
@@lloydaurion-gaming46 by Hell’s Kitchen I think you mean Michelin star restaurants Hell’s Kitchen is invited only but stared restaurants are “expensive “ but it is not a daily thing if you plan it you can experience it, yes they are worth it
@lachlanbartolo6253
@lachlanbartolo6253 4 года назад
Love your work, truely one of the best finance teachers on the internet. Couldn't be in the position I am without you, truely appreciate all the hard work you put into........Brb gotta smash the like button
@shenpm3460
@shenpm3460 4 года назад
I’m the dude that got here from the youtube algorithm at exactly 2:00 am 😂😂 I laughed so hard, its literally 2:00 lmfao
@Luxinda
@Luxinda 4 года назад
One of the ways I tend to be frugal with my ccs is scrutinizing each account every few days to make sure I’m getting whatever perks and rewards I should be. So given that, all of the rewards you list for the highest level cards sound like a whole heap of extra work and general anxiety for me to deal with, track, calculate, etc. Maybe the folks with the $$$ to enjoy having these cards have so much money that they don’t actually care if they get the correct rewards and credits each month, but it would absolutely drive me bonkers.
@YahTab
@YahTab 4 года назад
So what did you say once the credit card reps finally answered? Lol
@techmetal2292
@techmetal2292 4 года назад
I’m thinking he just hung up
@jennicaharris9134
@jennicaharris9134 4 года назад
I am wondering this, too!
@PapaT9092
@PapaT9092 4 года назад
Was thinking the same thing, dude probably just hung up lol.
@carpar10
@carpar10 4 года назад
“Smash the like button for the RU-vid algorithm!”
@MisterPol
@MisterPol 4 года назад
The ONLY way to get this card is if you SMASH the like button 10 million times
@GrahamStephan
@GrahamStephan 4 года назад
EASY
@MisterPol
@MisterPol 4 года назад
Btw thanks Graham for inspiring me to start a self development channel 🙏🏼
@chrismann2848
@chrismann2848 4 года назад
Better make sure it’s 10 million and 1 or Graham will come for you
@lifeisbeautiful7452
@lifeisbeautiful7452 4 года назад
But if you personally smash it 10 million times, that actually results in a 0 like for Graham.
@Dblackmon1993
@Dblackmon1993 4 года назад
No it's 11 million times...remember it has to be an odd number
@Blunt_Spartan
@Blunt_Spartan 4 года назад
Well when literally 15 people in the world have this card it’s not hard for the customer service to keep up.
@itsourtubenow9729
@itsourtubenow9729 4 года назад
And here I am, having a debit card with $213 in it.
@ReeceIovine1
@ReeceIovine1 4 года назад
YouR goINg tO bE iN SO MucH DebT 😂
@dirtrichdustin4372
@dirtrichdustin4372 4 года назад
Hey Dave Ramsey!
@GrahamStephan
@GrahamStephan 4 года назад
whaT aM i GuNnA dO?!
@saasda6255
@saasda6255 4 года назад
I subscribed you funny
@rogerarteaga2665
@rogerarteaga2665 4 года назад
DiSlIkE...uNsUb!
@septembersapphire347
@septembersapphire347 4 года назад
I'm in so much debt now it might as well be millions cause that's what it feels like!
@skateandfingerboard1
@skateandfingerboard1 4 года назад
"AND THIS.... is the reason you should smash the like button. I'll be going over all of the quirks and features of making it turn blue"
@UnlistedAccount1
@UnlistedAccount1 4 года назад
Haha gotta love this odd fan base cross over between Doug and Graham
@coke8077
@coke8077 4 года назад
Stop flexing on me I don’t even have a credit card 😭😭
@lanceclardy4296
@lanceclardy4296 4 года назад
Nothing wrong with that dude... those things can create a lot of problems really fast lol
@elia_geromin
@elia_geromin 4 года назад
Under 20 and already own one. Welcome to Switzerland 🇨🇭😂
@coke8077
@coke8077 4 года назад
@@lanceclardy4296 yuh Im 14 doe so cant have one anyways lol
@A6Legit
@A6Legit 3 года назад
They literally give you money to sign up for one. & what Gustie said.
@carbonisotope6444
@carbonisotope6444 3 года назад
@@lanceclardy4296 .
@NathanLorenzRealtor
@NathanLorenzRealtor 4 года назад
I would love to see a video where you talk about which of your monthly purchases you put on which of your many credit cards. Like what do you buy groceries with, which is for travel, your utility bills, etc
@CalebOliver
@CalebOliver 4 года назад
Update!!! Yay!!! 🤗
@GrahamStephan
@GrahamStephan 4 года назад
Hope you enjoyed it!
@CalebOliver
@CalebOliver 4 года назад
Graham Stephan yep great stuff! 👏🏾👏🏾👏🏾
@jeff7976
@jeff7976 4 года назад
When the customer service finally answered did you tell them you were calling to ask them to destroy the like button??😲
@timothyreardon251
@timothyreardon251 4 года назад
Graham: "In case the RU-vid algorithm happened to bring you here at 2 o'clock in the morning..." Me: Looks at clock, and it is 2 am.....
@Polmax2312
@Polmax2312 4 года назад
Timothy Reardon 14 here, 2am EST, though, but i don’t even live in US...
@AlecWyld
@AlecWyld 4 года назад
Lol that call wait time bit was literally me whenever I call my bank.
@RealLifeMoney
@RealLifeMoney 4 года назад
I’m sure the Fed has a higher balance 😝
@GrahamStephan
@GrahamStephan 4 года назад
He has the $10 Trillion Dollar Card
@AdrianCarter76
@AdrianCarter76 4 года назад
Graham Stephan facts
@adityaverma1150
@adityaverma1150 4 года назад
@Abitamim Bharmal ooooff
@alsahchinz
@alsahchinz 4 года назад
I felt like you was explaining my Reserve card 😂 at first
@GrahamStephan
@GrahamStephan 4 года назад
Almost!
@jackmcgee3876
@jackmcgee3876 4 года назад
It’s currently 2:16 am and this was in my recommended like he said, I’m scared lol
@NoyFinanceVlog
@NoyFinanceVlog 4 года назад
Totally relate to being excited everytime i open a credit card envelope haha
@ronakpatel7919
@ronakpatel7919 4 года назад
the answer to number 7 yes I am reading this you're welcome
@GrahamStephan
@GrahamStephan 4 года назад
thanks ;)
@ericadams458
@ericadams458 4 года назад
I love that Doug DeMuro reference.
@jackc1424
@jackc1424 4 года назад
This is actually insane, I'm watching this video at 2:19am by RU-vid recommendation
@ryanchia8764
@ryanchia8764 4 года назад
Me: need to finish an assignment by 12 tonight RU-vid: Hey you wanna watch a guy reviewing something you're never gonna get in your entire life? Me: Say no more
@christiancollett_
@christiancollett_ 3 года назад
Change your mindset and you might be able to get it 🤍
@themurphy6279
@themurphy6279 4 года назад
OMFG how am I so early I’m sure this will be a great video I hope y’all stay safe from coronavirus and have a good day
@GrahamStephan
@GrahamStephan 4 года назад
you too! you're early !
@themurphy6279
@themurphy6279 4 года назад
Graham Stephan this is the first time you have replied to my comment lol so I’m happy
@brandonharper7171
@brandonharper7171 4 года назад
$10,000,000 credit allowance for a personal card?? Insanity! 🤯
@marc983
@marc983 4 года назад
Goddamn that random youtube video at 2am really be me right now. Imma send a like for that
@sheen2394
@sheen2394 4 года назад
Who would’ve known that coming out of quarantine I would have a love for credit card videos
@NoName-vl5gr
@NoName-vl5gr 4 года назад
Guys just remember, if you have 10 Millions in the bank, you should turn that depreciating paper into investments such as real estate or businesses. Just incase you didn't know 😉
@inmortal131
@inmortal131 4 года назад
No Name true
@Kaiyats
@Kaiyats 4 года назад
If I’m ever lucky enough to even have 100k in the bank im buying a house and renting out the rooms I would rather have 1000 profit a month for the rest of time than 100k that will slowly disappear
@josephpurdy8390
@josephpurdy8390 4 года назад
I would rather listen to the bank complain about not being able to provide. The 200 million nickels that I'd request as a withdrawal.
@melloyellobelly
@melloyellobelly 4 года назад
lol no one who has ten million doesnt know this advice
@justinc2633
@justinc2633 4 года назад
@@melloyellobelly lottery winners might have a brief two week period where they have that amount of money in the bank lol.
@Deeznutsmynamejeff21
@Deeznutsmynamejeff21 4 года назад
I took me 8 minutes of video before I realised that this was brand new haha
@GrahamStephan
@GrahamStephan 4 года назад
haha wait what
@amarpatel4899
@amarpatel4899 4 года назад
Graham Stephan I think he’s talking about when the video came out.
@Raz_Bora
@Raz_Bora 4 года назад
This is an awesome review!
@brentmcchesney1660
@brentmcchesney1660 4 года назад
RU-vid has recommended so many of your videos. That I thought I was subscribed. Now I am.
@eliunkn7451
@eliunkn7451 3 года назад
I just became a card geek even tho I’m 13 year old! It’s funny how you can become addicted on the most random things.
@learningfinance4807
@learningfinance4807 4 года назад
Just a couple of bucks ah? 😂 Nice update man! I just shared fundamental analysis on beverage stocks, if interested 👌🏻
@davidebertini4023
@davidebertini4023 4 года назад
Couple of cents 😂
@mgenz5063
@mgenz5063 4 года назад
😂
@robertbale5772
@robertbale5772 4 года назад
👍🏻👍🏻
@UssyMustyYS
@UssyMustyYS 4 года назад
You have no idea how helpful this video was to me. Thank you.
@mattpettit820
@mattpettit820 4 года назад
Graham keep up the video grind, your research and analysis is much appreciated! You inspired my RU-vid journey!
@samuelCWM
@samuelCWM 3 года назад
"now before you think i have 10million dollars worth of investable assets, I don't" 3 months later "my 10 million dollar investment portfolio"
@dandotvid
@dandotvid 4 года назад
"We all spend $300 a year on stuff like this anyway." Dude, I haven't spent $300 on travel in the past *10* years!
@aceroberts1857
@aceroberts1857 4 года назад
your life must be so fun
@richardjenks2250
@richardjenks2250 4 года назад
I'm sorry.
@jenjuice432
@jenjuice432 4 года назад
Does "travel" include simply driving within your metropolitan area? If so, I'll have have racked that up easily within a month or two.
@TryABaconSlice
@TryABaconSlice 4 года назад
Wow, room for improvement then
@blackmallu
@blackmallu 4 года назад
That's just sad if true.
@IsaiaJK
@IsaiaJK 4 года назад
am i the only one that heard that "go smash the like button for the youtube algorithm" all in one breath??? ....... you're smooth Graham lol
@jimcarrey6928
@jimcarrey6928 4 года назад
Shoulda seen the look on my girlfriends face when I told her “ooo a new graham video! Makes my toes wiggle!” 😭🤣😭
@Deepwing
@Deepwing 4 года назад
there's the Doug Score for cars you should create the "Graham Score" for credit cards/savings accounts
@GrahamStephan
@GrahamStephan 4 года назад
I'd be down haha
@Deepwing
@Deepwing 4 года назад
@@GrahamStephan Keep the credit card reviews coming! I'm not even old enough to have one yet lol but they are super interesting to learn about
@CartierCasey
@CartierCasey 4 года назад
Honestly I’d recommend the Amex Centurion. The perks alone are worth it but the concierge is next level
@abacab87
@abacab87 4 года назад
Amex is as evil as Dave says, I know I had the same exact experience in 2008, some 20 or more years after Dave.
@azulknight474
@azulknight474 4 года назад
@@abacab87 What is so evil about Amex? You are in complete control of what you do with the card.
@TeamOrangeSoda
@TeamOrangeSoda 4 года назад
i maxed out the like button for the youtube algorithm but pay on time in full every video!
@UltracoreUltraUranium
@UltracoreUltraUranium 4 года назад
'A Graham score.' i actually laughed at this. Big ups to Doug Demuro. I'm subscribed
@adrianabanana4076
@adrianabanana4076 4 года назад
I get the wait. But you do realize that there’s a pandemic going on. So the sapphire reserve probably goes to the same call center for all other chase cards. So the wait will be longer. Plus if you are JPMC private bank, they better answer fast lol
@youngin628
@youngin628 3 года назад
This card just lets everyone know, hey look I'm hella rich lmao
@RedBeard20842
@RedBeard20842 3 года назад
Dave Ramsey: ya we are gonna need some sheet metal shears.
@gabrielrivera8131
@gabrielrivera8131 4 года назад
Never seen this channel before in my life.. it's 2:23am currently.. RU-vid's algorithm definitely brought me here and it kinda freaked me out.... ...... I'm subscribing lol
@JesusPerez-ue5we
@JesusPerez-ue5we 4 года назад
You also get 3X the spending limit on the card. If your credit limit is 20k you can spend up to 60k. Another perk is the jpm reserve card is not reported to the credit bureau. So if u carry a balance and apply for a loan it won’t show up. That’s not applicable to the chase reserve. So there are major differences.
@informed_insightz
@informed_insightz 4 года назад
As a new RU-vidr and investor I approve of this great advice . My dog approves as well .
@gustavorodriguez6627
@gustavorodriguez6627 4 года назад
Nice dog
@GrahamStephan
@GrahamStephan 4 года назад
good boy!
@kam9698
@kam9698 3 года назад
why am i here watching a guy talk about a credit card at 1am when I'm not even old enough to get one.
@PoIymera
@PoIymera 4 года назад
It´s literally 2am ish and this Video popped on in my suggestions :D
@andymurphy4328
@andymurphy4328 4 года назад
Great, can't wait to get me one of them cards. Just need 10million.
@madmehr
@madmehr 3 года назад
In assets which is easier, just need to get enough properties.
@LBVuitton
@LBVuitton 4 года назад
Using “illness” to not get demonetized >>>>
@GrahamStephan
@GrahamStephan 4 года назад
:O
@monad_tcp
@monad_tcp 4 года назад
little flu
@hollystiener16
@hollystiener16 4 года назад
yeah, why is that?
@jaylaw.7660
@jaylaw.7660 4 года назад
Smart!
@Marbo12f
@Marbo12f 3 года назад
The concierge service and near infinite limit are really the reasons you'd have this card. If truly making use of both those features isn't in your budget, well the reason for the exclusivity defines itself. Demonstrably the "mainstream" high-end cards still put you through to the standard customer service. However the invite-only card has dedicated customer service to keep the actual high-rollers happy. Its also why the actual fee is so low compared to the Centurion because its really not about trying to game the customer.
@mstrkllr
@mstrkllr 4 года назад
wow... Its literally 2am while im watching this AND the algorithm randomly suggested it to me... i feel REALLY called out XD
@thepilotist7297
@thepilotist7297 4 года назад
I'm proud to say I own a fractional share of Berkshire Hathaway Class A... Does that 0.0005 shares qualify me for this card? Thx
@amarpatel4899
@amarpatel4899 4 года назад
It does
@hifriend5242
@hifriend5242 4 года назад
The Pilotist dude life hack you have cheats on
@AwesomeDwarves
@AwesomeDwarves 4 года назад
I thought Berkshire Hathaway didn't split shares though? Isn't one share like a quarter of a million dollars?
@gavnonadoroge3092
@gavnonadoroge3092 4 года назад
it qualifies you for 0.0005 shares of this card
@craigcarter400
@craigcarter400 4 года назад
It takes 37.705 shares of Berkshire A currently as of close 6/29/20 to have $10M. I temporarily had .002 shares of it the other day lol
@JayJames
@JayJames 4 года назад
Imagine having the recording recorded for training purposes and they are presented with: 6:19
@hassamsheikh
@hassamsheikh 4 года назад
Literally watching this at 2 am in the morning
@dcslayer5040
@dcslayer5040 4 года назад
the higher limit also makes it easier to keep a credit score considering its a lot harder to use 10 percent of 10 million than other limits
@felissour3088
@felissour3088 4 года назад
"I'll give you a tour of it, discuss its querks and features, and the give it a Gram score! And for more of my thoughts visits Creditrader..."
@anyexpat
@anyexpat 4 года назад
and now for the weekend categories
@maxdramirez3161
@maxdramirez3161 4 года назад
“But graham, you said that word wrong”
@SoccerPenguin
@SoccerPenguin 4 года назад
No you're wrong. It's niche, not niche
@jaylaw.7660
@jaylaw.7660 4 года назад
Lol
@ecomboss4628
@ecomboss4628 4 года назад
Okay this one was kinda interesting!
@davidtompkins8145
@davidtompkins8145 3 года назад
learned so much about credit cards with this channel.
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