The Best Credit Cards To Hack Travel In 2021

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Today I am talking about my favorite credit cards and why I really like them. As we are nearing the end of the year it has gotten me thinking about my own personal finance goals, and how credit cards can be a great way to gain perks on travel when you use them appropriately! I hope you find this video helpful whether you are a beginner to credit cards or an expert!
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CREDIT CARDS MENTIONED:
Delta Skymiles Gold Card: refer.amex.us/MONICCmLTM?XLINK...
If Delta is your preferred airline, this credit card is a no brainer. Earn 35,000 bonus miles upon sign up, free checked bags, and your spending turns into miles. One unique thing about this card is that card spend counts towards earning status with the airline, leading to perks such as comfort+ upgrades and first class upgrades! Even as a silver medallion I have gotten these sorts of upgrades. I've had this card since 2018 and really enjoy it.
Chase Ink Business Preferred Card: 100,000 point sign up bonus
www.referyourchasecard.com/21...
I LOVE This card. It has a ton of ways to redeem rewards, but my favorite is through the 1:1 transfer of points to World Of Hyatt. Of all the hotel brands, I think world of hyatt gives the best deal on rewards. For as low as 5,000 points you can get free nights at hyatt hotels. With the sign up bonuses form both Chase Ink and Chase Sapphire, that can amount to a really great deal.
For personal use, try the Chase Sapphire Card: 60,000 point sign up bonus
creditcards.chase.com/rewards...
Nordstrom Card: www.nordstrom.com/browse/nord...
Lol I hate this card. Spend $2,000 for a $20 Nordstrom gift card? I'll pass.
Alaska Airlines Card: For 35,000 miles upon sign up- www.alaskaair.com/content/cre...
OR for 65,000 miles upon sign up you can use this referral link: www.applyonlinenow.com/USCCap...
If you live in the pacific northwest and fly Alaska Airlines the most often, this is a great card to have. Free checked bags for you and up to 6 people on your reservation. Card spend turns into miles, and you get their famous companion fare!
*The Chase INK and Delta Skymiles links are REFERRAL links. I get some miles if you sign up through that. This video IS NOT sponsored. All opinions are honest and my own.
-------------------------------------------------------
business inquires: monica@abramsart.com
For Real Estate Questions/Inquires: Monicachurchseattle@gmail.com
instagram: / monicachurch
twitter: / hairodynamic

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Опубликовано:

4 дек 2020

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Комментарии : 1,1 тыс.

@aidamendoza9903 3 года назад

I work for a credit card company as a customer rep and it's crazy the amount of people that have no idea how to use those tools and then they go to collections😐 Financial education is a must! Thank you so much for making this video Monica💕

@MarkReese 3 года назад

Hey Aida! I bet you have quite a few interesting stories to tell 😄 Totally agreed with you - smart financial habits should be taught in school - even if just the foundational pieces of it. Did you add any new cards to your wallet this year? 😃💳

@JoshIsOnAMission 3 года назад

Credit card hacking is KEY!! So glad more people are talking about it.

@MarkReese 3 года назад

Gotta love 'The Game' 😁💳💯 Which cards do you have at the moment?

@katejohnson2740 3 года назад

I have no financial problem as long as I have *@Darkearlsimmons* on *telegram*

@bodigames 3 года назад

Yeah Only for USA People. Everyone outside of The USA is not able to travel hack with creditcards.

@paigekaufman5835 3 года назад

You honestly make the best videos on RU-vid. You are so strait you the point and I LOVE that!! I’ve been looking into getting an airline credit card when I graduate college in May😊 this video was great to watch!

@MarkReese 3 года назад

Hey Paige! Totally agreed; these videos are really well done 😃🙌 Did you end up getting a card after your graduation? ✈️

@mrdan5943 3 года назад

Love the content Monica keep it up!

@MarkReese 3 года назад

Same here! Do you plan on adding new card to your wallet in '21? 😃

@sir9integra9jr 3 года назад

I was raised to be super scared of credit cards and only use debit. If you feel that way, don’t worry about it and as long as you’re paying it off in full every month and not spending money you don’t have, get a credit card! It’s actually better to use a credit card than a debit card when you’re only spending money that you already have and being responsible. It’s literally free money!

@MarkReese 3 года назад

That's right! 😃 I saw on your other comment that you got the C1 Venture Card, which tells me you overcame those credit fears in your younger years. Well done 💯 When used properly, credit cards can be a fantastic tool 👊

@LEXPOSvlogs 3 года назад

I would recommend the Citi Bank Costco Visa Credit Card. You get zero international transaction fees so if you happen to travel anywhere outside of the states you don't have to worry about extra fees on every charge made on your card PLUS you dont have to worry about exchanging currency, you'll be good to go! That's all i used when i traveled to Europe and it was just so convenient. You also get 4% cash back when used for Gas at Costco Gas stations!

@MarkReese 3 года назад

Great suggestion man! The cash-back categories on the Costco Anywhere Visa are really good 😃💳 Do you use it alongside other cashback cards too?

@thebishopcracker 3 года назад

I had horrible credit after a bankruptcy (which you should never do!) so, my first credit card after BR was the Capital One quicksilver. I wouldn’t recommend it for anything other than building credit. After 3 years I applied and was approved for the AMEX gold card. I got 75,000 points after spending 4K in 6 months.

@alyssacurts9355 3 года назад

This video was SO helpful!! :) I travel more often than most and have felt like I’ve been missing out on deals over the past few years but never knew which card to get.

@timgoat556 3 года назад

if you have good credit and a decent income, chase sapphire preserve is a really good one!

@MonicaChurch 3 года назад

So happy to help! I seriously felt the same way as you just a few years ago. So many options! I agree with the other commenter, chase sapphire reserve is a really good option for travel rewards. You can transfer to airline and hotels partners.

@MarkReese 3 года назад

Hey Alyssa! Welcome to a better side of life 😁✈️ How many trips do you usually take each year?

@ricktompson9453 2 года назад

@@MonicaChurch Monica, you need to have the points broken down for you. A person that does this for a hobby. is Jake Bro. Your card choices are not giving you as much value, as you think. He breaks down all the numbers, and can show you weak spots in your card chooses.

@loes1727 3 года назад

It’s really funny to see this as a european person. Everybody uses a debit card here and credit scores aren’t a thing, nor are credit cards for casual expenses. I wish we had such a cool system where you can get goodies for buying stuff. It’s kinda cool! Thanks for teaching me something new :).

@jamierenae3833 3 года назад

Is it safe to assume that Europeans are also not in debt the way so many Americans are, because of credit card debt? Your system sounds like they encourage living within your means.

@sharonreifel7700 3 года назад

@@jamierenae3833 yes Dutchie here living in the states, I can only talk for the Netherlands, but it is definitely save to assume that!

@cosmpirg 3 года назад

@@jamierenae3833 yes, as a German I personally only know people going into debt because they bought a house. No student loan debts, barely any consumer debt

@21cgIN 3 года назад

The UK actually has credit scores. Also, using a credit card is very common where I live in Europe (Greece) and mine actually collects air miles with an airline. So don't generalise for Europe. We all know that it's not one country.

@jujubees 3 года назад

@@cosmpirg Don't forget no medical debt!

@GetItWithBecca 2 года назад

American Airlines Barclay MasterCard has a companion certificate. They have a fantastic 60,000 bonus mile introductory and you get free checked bags for your group as well. Definitely my favorite to fly with.

@TommySheaofficial 3 года назад

Good information Monica thnx!

@MarkReese 3 года назад

Agreed man! Did ya already get off to a good start with your own credit journey? 😃💳

@BridgetMendlerFan101 3 года назад

My husband and I only have one credit card and we have the capitol 1 card! We travel home to visit family for free every year on our miles we gain!

@MarkReese 3 года назад

Hey Jessica! Gotta love those free trips 😁✈️ Do you both share the card as an authorized user?

@emmasage2709 3 года назад

Graham would be so proud

@MarkReese 3 года назад

Haha yes he would 😄🙌 Would be awesome to see him do a video response too! 🎬

@juantulian1899 3 года назад

I'm your fan from Argentina!! I love your videos and Seattle! Even if I don't understand too much what you say😂😂

@YvetteAguilarx 3 года назад

So cute 🥺🖤

@MarkReese 3 года назад

Haha you rock Juan! 😄✌️ Do Argentinians use credit cards often?

@jacobtech3442 3 года назад

Love the video

@nataliasobien1 3 года назад

thank you for this! it's so helpful

@MarkReese 3 года назад

Hey Natalia! Do you plan on getting any new cards in 2021 😃💳

@momohsamuel6009 3 года назад

All thanks to @Darkfullz102 on telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯.

@momohsamuel6009 3 года назад

@@MarkReese All thanks to @Darkfullz102 on telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯

@Neil_S. 3 года назад

Monica! Your HAIR (style) is on point in this vlog. OMG you look fantastic....

@starfishey2 3 года назад

Like monica said, a lot of these pay per year cards do end up paying for themselves and then some with the perks. I have Chase Sapphire (and freedom combo) and don't spend that much, about $300-$600/mo average. The points I accumulate over the year pay for a $250 flight each year (that i'd be paying for regardless) with points to spare. I've been doing this combo for 6 years now and with my extra points are paying for my airfare to scotland and back! Added perks that have saved my butt is free flight cancellation (as long as it falls in the restrictions) and automatic insurance on things like your luggage. I'd get an airline specific card if I only flew with one airline but it varies for me so for me a card like Chase is perfect!

@MarkReese 3 года назад

Hey there! AWESOME that you've got a 'Chase combo' going on - the Sapphire + Freedom cards work so well together 😃👍 What did you do to pay for the hotels on your Scotland trip?

@AdamJBell 3 года назад

I love talking about salary and cards 😄🙌 Helpful video too!

@MarkReese 3 года назад

Same here man! Which cards did you use most this past year? 😃💳

@brookeprice7204 3 года назад

This was very helpful!

@MonicaChurch 3 года назад

Thanks for watching!

@kamilsultan1637 3 года назад

Are you considering any other cards?

@MarkReese 3 года назад

Totally agreed! 😃👍 Have you already gotten a card or two yourself?

@mariahkristinerealtor 3 года назад

This video was SO helpful! The algorithm knew I needed it lol

@MarkReese 3 года назад

Hahaha the algorithm was listening 😂👍 Which cards did you end up using most in this crazy year of 2020? 💳

@brittanywhite2763 3 года назад

So happy I met @Darkverizon1 on Telegram he changed my life after being duped on this platform so many times he got my cards delivered to me with great balance on it...So I’m so proud of him and vouch for him

@aliciamitrowitz3122 3 года назад

I waited until I was out of college to get a credit card and since I was fortunate to not have loans I had no credit status which made it very difficult to get a credit card when I wasn't a student anymore. I actually had to get a secured credit card first where you pay a few hundred dollars and that is basically your credit limit. So after having that card for a year, I was able to close it and then get an actual credit card. I chose Discover first and like the changing 5% cash back offers. Although right before I decided to backpack in Australia a few years ago, I signed up for the Chase Sapphire card and I have to say that's my favorite for travel perks.

@MarkReese 3 года назад

Hey Alicia! Sounds like you got off to a great start with credit - building w/ a secured card and now getting the Chase Sapphire Preferred for you backpack trip is a lot of progress 😃👍💯 Is the CSP still your #1 most-used card in 2020?

@aliciamitrowitz3122 3 года назад

@@MarkReese yes it is

@MarkReese 3 года назад

@@aliciamitrowitz3122 - Great choice! Enjoy those future trips 😃✈️

@gracenicholson4696 3 года назад

This is super helpful for the future!

@kamilsultan1637 3 года назад

Which cards are you interested in?

@MarkReese 3 года назад

Agreed Grace! Have you already gotten your first card(s)? 😃💳

@LAURENloveaddicttt 3 года назад

Okay whoa I was just thinking there needs to be a video like this and then this pops up, yay!!

@kamilsultan1637 3 года назад

Which cards are you considering?

@brittanywhite2763 3 года назад

@MarkReese 3 года назад

Haha hey Lauren - perfect timing 😄✈️ Have you already begun your credit journey?

@miguelluna8582 3 года назад

Citi secured credit card I mainly got it since I was starting off on building credit. No annual fee or monthly fee and accepted easily so far it’s been great

@funshofuadayomide9214 3 года назад

Do you know you can get up to $5000 weekly to your cc just write to @Eddiehack on Telegram and ask him how

@MarkReese 3 года назад

Hi Miguel! Great to hear you got the Citi secured credit card to begin your credit journey! 😃💯 How long have you been building credit?

@miguelluna8582 3 года назад

@@MarkReese HEY MARK! I’ve been with the card for 5 months now and it’s been so far great

@MarkReese 3 года назад

@@miguelluna8582 - Awesome man; welcome to the world of credit 😃💳 Do it the right way and you'll find it to be fun & rewarding!

@solveigwilliams 3 года назад

There are so many credit cards that you can get without a yearly payment that I don’t find it worth it to pay for airline cards like United or Delta. I have a Citi double cash card and another credit card through my bank. They both give me cash back which I can use on anything (including flights if I want). I understand your thoughts on having your credit points going directly toward flight miles because it feels like you aren’t spending any money on flights, I just like having the freedom of spending the cash back on anything. I did highly consider getting an airline card though. They are tempting but I also didn’t want to pigeon hole myself into one airline.

@MarkReese 3 года назад

Hey there! Very smart to not want to box yourself into 1 airline; cash back is a GREAT approach for the most flexibility 😃👍 Do you travel much?

@mojanora 3 года назад

Yeah, I was one of those people that put off having a credit card till I was 30 because I felt I didn't need it and I didn't want to accidentally end up with debt. When I finally decided to get one and did my research, embarrassingly enough I was actually refused when I applied for the ones I wanted. I ended up with a general credit card with my current bank as it felt it was the only place that would give me one.

@MarkReese 3 года назад

Hey Joanna! Plenty of people go much longer without getting a card, so the fact that you made the decision at 30 y/o is great 😃👍💳 Which card did you get, and how long have you had it?

@pauljiang5378 3 года назад

This is super useful .. especially about the airline cards. I have a Chase Amazon Prime, Chase Freedom Visa ( now it's discontinued and replaced by some sort of mastercard ), Discover student credit card, Amex Blue Cash, and Macy's. Amazon Prime is mainly used at Whole Foods and Amazon because 5% cash back, Freedom depends on the 5% category - sometimes gas stations, sometimes walmart. Discover was my first credit card that I applied when I was a freshman in college. Amex was just sometime stupid I did. I don't need this card at all. None of which requires annual fee, but I'm really looking into some airlines cards now

@MarkReese 3 года назад

Hey Paul! Great cash-back cards you've got! 😃💳 Which airline cards do you have your eye on right now?

@sydneycarter8653 3 года назад

I have a Discover for emergency uses. I have the Capital One Venture Card. 2X Points on ALL purchases. I put EVERY SINGLE purchase I make on this card and pay off the balance each month. I am debt-free (paid off 19k in 18 months, THANK YOU DAVE RAMSEY), so I researched for MONTHS on which card to get. I got the Capital One Venture Card because I am taking a six week trip to Europe (HOPEFULLY) in Aug 2021, with the flight miles and points in general, I should be able to get at least half of my trip paid for. On both of my credit cards, I have INSANE credit limits. So, I have my Discover credit line lowered to $5,000 and my Capital One Venture credit line lowered to $10,000. What 24 year old needs a $30,000 credit limit? NO ONE. Really loved this video, Monica! I have been watching you for about six years now. Keep up the good work. :)

@MarkReese 3 года назад

Wow...you're the first person I've seen who's combined the cash-based world of Ramsey AND the world of credit cards to make MASSIVE PROGRESS in your life 😁🙌 A huge CONGRATS to you Sydney...your story of paying off $19,000 of debt in 1.5 years and now enjoying the benefits of travel rewards is remarkable. Thanks for sharing this; sure hope others see it and that it inspires them to win 🥇 Do you plan on adding any new cards to pay for even more of your Aug. 2021 trip coming up? 😃✈️

@makenziehoman 3 года назад

Hey everyone!! I’m 18 and have my first credit card which I opened before coming to college. I have the discover it credit card just because it is meant for students. My parents were definitely a big factor in why I got a credit card so young as that’s all they’ve ever had their entire lives. Because of that they have an incredible credit score and are able to take out loans as they need and they wanted that for me as well as I get older. I only put $50-100 on my credit card each month, but it’s still nice to start building my credit score! I highly recommend opening up a credit card if you are able to!

@MarkReese 3 года назад

Hi Makenzie! AWESOME story - thanks for sharing it 😃✌️ Really great to see your parents advocated starting your credit journey early on; it'll help you in a BIG way in the years to come. Discover has 2 student versions of their cards - which one did you choose to get? 💳

@makenziehoman 3 года назад

@@MarkReese I use the discover it student cash back version of the card which gives me 5% cash back at different places each quarter as opposed to the version where I’d get 2% back at gas stations and restaurants - it seemed like the better choice for me!!

@MarkReese 3 года назад

@@makenziehoman - Awesome! Yep those rotating 5% categories are always super useful. Keep up the great progress in building your score - and enjoy the cash back along the way 😃💵

@GilOsborne 3 года назад

I like my Delta AMEX Platnium. The delta points aren’t the best but they go everywhere, I like the free companion ticket once a year, free checked bags, and they have a lot of great deals for local shopping and stuff.

@MarkReese 3 года назад

Right on Gilbert! The Delta SkyMiles Platinum Card is a fantastic airline card >> got even better after the updated benefits not too long ago 😃✈️ Do you also use it to earn towards Medallion status?

@sir9integra9jr 3 года назад

I have a Capital One venture one card. I like that one point is equal to one cent in the purchase erasing feature and the travel booking, which is more than a lot of other points are worth. Also if you book travel using a discount on an external service, you can stack the discount with points and it saves you so much more money!

@MarkReese 3 года назад

Great that you've already got the C1 Venture Card; it's a great one! 😃✈️ What's been your favorite redemption with it so far?

@kelseymckenzie5121 3 года назад

Dave Ramsey has always said it best, "Cash is king." Credit cards aren't bad if used correctly and minimally though. They really try and get you with these travel perks and stuff that doesn't really mean much in the grand scheme of things.

@katlinp8191 3 года назад

It is true that not everyone is capable of using a credit card appropriately and that is totally okay, you just have to figure out how you fit into that. For me, I find that I actually use a lot of the budgeting techniques that I know Dave Ramsey preaches all while using credit cards for 90% of my spending. I think I have gotten around $5K in perks just in the last few years.

@MarkReese 3 года назад

You got it right Kelsey! Use credit cards the right way and they're a great tool 😃👍 Do you have any cards that provide cash back rewards? 💸

@davidoknaian403 3 года назад

I've had a Chase Freedom Card for 15 years and I like it. I pay my balance in full every month so I prefer a rewards card over a low APR card. I Also have a Chase Sapphire & Macys Amex I hardly use. I really should get a Delta Skymiles Card with all the traveling I do...well, use to do! Covid Man! Sucks! :)

@MarkReese 3 года назад

Haha I know it - I can hardly wait to travel more regularly 😁✈️ Do you plan on adding that Delta card later in 2021?

@shirley63156 3 года назад

Your hair looks amazing!! What products do you use to style it?

@momohsamuel6009 3 года назад

Go shop with @Darklarry2 on telegram he is the best he has been helping me with card buy your creditcard with high balances,💯

@momohsamuel6009 3 года назад

All thanks to @Darkfullz102 on telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯.

@lildasani 3 года назад

Thanks for the credit card info. Good luck on flipping houses.

@MarkReese 3 года назад

Hey Raymond! Did you apply for any new cards this year? 😃💳

@Bashrz 3 года назад

If you’re putting significant grocery spend on the delta gold, you’d be way better off by getting a card like the Amex gold that gives you 4x on grocery spend vs the 2x of the delta card. Then you can transfer those points to delta or any other Amex partner. Flexibility is key in the points world! We just came back from the Ventana. Amazing property!! Highly recommend Miraval Tucson if you’re into cool Hyatts

@MonicaChurch 3 года назад

Thanks for the tip! I’ll have to checkout Tucson. Gotta love the Ventana!

@MarkReese 3 года назад

That's right - fantastic tip! Amex's partnership w/ Delta for 1:1 transfers is AWESOME 😃👍 Which cards have been your primary in 2020?

@christianmontoya1165 3 года назад

I was a little surprised you don't have/didn't mention the American Express Platinum Card. It has a huge yearly annual fee ($500), but comes with a lot of perks (airport lounge access, monthly TV/phone/Uber, airline incidentals (bags/inflight drinks) and 5x points for airlines and pre-paid hotels. It's a great card for an avid traveler who gets to the airport 2 and a half hours early to have drinks/food before boarding flights which would definitely amount to at least $30 per airport trip.

@mahoganydrive 3 года назад

Yes it’s a good one! We have that one. Great perks. But that hefty yearly fee is not for everyone.

@MarkReese 3 года назад

Hey Christian! The Amex Platinum Card is a GREAT choice for the frequent traveler 😃✈️ Do you have it yourself?

@mahmoudfl5097 3 года назад

that is really the easiest, specific, simple, and detailed video on youtube to explain credit card points and how to travel and book a hotel with them... 😍😍 really thank you, mam🤗🤗

@MarkReese 3 года назад

Agreed! Do you prefer cash-back cards or travel cards? 😃

@mahmoudfl5097 3 года назад

@@MarkReese travel cards of cource because it gives you more value, more cents per 1000 points 🙄😉

@MarkReese 3 года назад

@@mahmoudfl5097 - They can be really rewarding 😄✈️ Which travel cards are you using at the moment?

@mahmoudfl5097 3 года назад

@@MarkReese no ,but i'm welling too get chase prerefer cridt card then after a while maby i get american express gold

@MarkReese 3 года назад

@@mahmoudfl5097 - Both are great options 😃👍

@OrianaFunkhouser 3 года назад

Mine is through navy federal! It’s for first time credit card users to help grow their credit and everyone gets approved. I had to put down money as a “backup” but after 6 months they revaluate if you’ve done good they give the money back and change it to a limitless card

@MarkReese 3 года назад

Hey Oriana! Congrats on getting your Navy Fed card to begin your journey 😃💳 Did they already 'graduate' you from secured to unsecured?

@balletdncr4lfe 3 года назад

Capital One Venture card! I absolutely love it. so many great rewards

@MarkReese 3 года назад

Yep totally agreed - a great travel card for sure! 😃💳✈️💯 Did you do any redemptions yet?

@brittanywhite2763 3 года назад

@swimman62197 3 года назад

I have 9 CCs but I mostly use my Amex Gold (technically a charge card). If you eat food and travel it pays for itself plus Amex has the best customer service.

@MarkReese 3 года назад

Hey there! The Amex Gold Card is fantastic for food + travel ... great that you've already added it to your wallet 😃✈️ Got any trips in mind for a future redemption?

@momohsamuel6009 3 года назад

All thanks to @Darkfullz102 on telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯.

@geckosquad3900 2 года назад

So technically, if I use a specific gas station like everyday, it is good for me to get their credit card (if the perks are good)?

@MarkReese 2 года назад

Hey there! Sure, some gas station cards can be rewarding. However, you may be better off getting a regular card that earns regular cash back that can be redeemed for anything you like 👍 Also, some cards may earn a nice return on gas _as well as_ other categories, allowing you to earn more cash back even faster. Is gas your #1 expense? What else do you spend on each month?

@lalruatdikavarte7943 3 года назад

Nice video and very informative and very entertaining and very satisfaction more videos.

@brittanywhite2763 3 года назад

@MarkReese 3 года назад

I agree with you! 😃👍 Which credit cards do you have at the moment?

@Lesjaci 3 года назад

Discover for students is the first cc that I got and I still recommend. For those that don’t travel often and would prefer the cash back there’s 5 percent and it rotates every 3 months!

@LaverlyLove 3 года назад

Second this! Also its hard for most people to get approved for a first credit card and discover was the only one that would approve me. Start there, then work your way to bougie travel cards!

@MarkReese 3 года назад

Great suggestions Leslie! 😃👍 Do you have both cards yourself?

@johnvan1878 3 года назад

Gorgeous! Wishing you a very merry christmas May it bring you Joy, Happiness and Everything else you deserve,

@marwadwala 3 года назад

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@MarkReese 3 года назад

Great cards Monica! Congrats on your approval for the Alaska card ✈️ Here’s to a year of Companion Fares + more Delta Medallion status 😄🥂 (And btw: since you like Hyatt properties, check out the brand-new Alila Marea Beach Resort opening Feb. 2021 in Encinitas, CA) 🌴✌️

@Ramya-rg9zm 3 года назад

Thanks for including a description of each card in the bio!! :)

@kamilsultan1637 3 года назад

Are you interested in applying for any of them?

@MarkReese 3 года назад

Super helpful! 😃

@momohsamuel6009 3 года назад

Go shop with @Darklarry2 on telegram he is the best he has been helping me with card buy your creditcard with high balances,💯r

@momohsamuel6009 3 года назад

All thanks to @Darkfullz102 on telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯

@rtanaka 3 года назад

I was literally just thinking about how I've been putting off getting a new credit card!

@kamilsultan1637 3 года назад

Are you interested in cash back or travel?

@rtanaka 3 года назад

@@kamilsultan1637 Nah

@MarkReese 3 года назад

2021 is the year for the new card! 😁🙌💳 Is there one you're already looking at?

@momohsamuel6009 3 года назад

All thanks to @Darkfullz102 on telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯

@kamilsultan1637 3 года назад

@@momohsamuel6009 how much?

@averygaming8707 3 года назад

I need this video!

@MarkReese 3 года назад

Do you plan on getting a new card soon? 😃👍💳

@claudeenonthego 3 года назад

LOVE the Alaska credit card. Used the companion fare to go to Hawaii last year :D

@MarkReese 3 года назад

Awesome! Where did you stay in Hawaii? 😃🌴

@claudeenonthego 3 года назад

@@MarkReese Maui😊 it was my first time to the Hawaiian islands! I would love to see the rest of them- hopefully soon...

@MarkReese 3 года назад

@@claudeenonthego - Such a beautiful island; great choice 😄🙌 More to come on future trips! Get the right credit cards to make it happen 💳

@PierceJordan 3 года назад

Credit cards are awesome if used correctly!! 👌🏻

@momohsamuel6009 3 года назад

Go shop with @Darklarry2 on telegram he is the best he has been helping me with card buy your creditcard with high balances,💯

@MarkReese 3 года назад

You got that right! Which ones are you using? 😃💳

@momohsamuel6009 3 года назад

@@MarkReese All thanks to @Darkfullz102 on telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯.

@mcgaffigan 3 года назад

Favorite card by far is the Apple Card. Good if you have an iPhone. Very easy to track your spending

@MarkReese 3 года назад

Right on! Apple + Goldman did a fantastic job with the tech aspect of it 😃👍💳 Do many merchants accept Apple Pay near you so you can earn 2%?

@esmarlin215 3 года назад

Needed this video! 🙌🏽

@kamilsultan1637 3 года назад

Which cards are you interested in?

@esmarlin215 3 года назад

@@kamilsultan1637 Chase Sapphire or Chase Reserve

@kamilsultan1637 3 года назад

@@esmarlin215 Chase does like to see at least a couple years of history, a good score, and a solid income before approving you for their Sapphire cards. The min credit limit for the Sapphire Preferred is 5k while the Reserve is 10k. I'd recommend applying for the Preferred since it has a higher sign up bonus compared to the Reserve and its tough to justify the increased AF of $550 with the Reserve vs $95 with the Preferred. Do you already have one of the Freedom cards? That will make adding a Sapphire even more valuable. I can go over the perks of the Preferred if you'd like and answer any questions you may have :)

@esmarlin215 3 года назад

@@kamilsultan1637 This is awesome! Thank you Kamil!

@kamilsultan1637 3 года назад

@@esmarlin215 No problem. I'll always be here if you have any questions. If you do choose to go ahead and apply for the Preferred at some point, I'd appreciate if you did so through my referral link at no extra cost to you! www.referyourchasecard.com/6a/8W1QACZB8N

@edubzz14 3 года назад

My first credit card was the student capital one journey card. It was a good first credit card and i got it upgraded to their quicksilver after I had it for awhile so I got the better rewards. I recently got the chase freedom unlimited which is basically the same as the quicksilver but it is easier to get a credit line increase with chase which I like. That is my favorite card right now. I also have the chase freedom which is a rotating rewards card. It’s a good card to have if you pay attention to it

@MarkReese 3 года назад

You've got 3 great cash back cards - well done! 😃👊 Did you call Chase to swap your original Freedom card to the new Freedom Flex? 💳

@alysagumto 3 года назад

I have a Discover card that I got right after high school graduation. Now, 5 years later I still recommend them! I also liked that when I was in college, they gave $20 each semester if you told them what your GPA was. I thought that was a neat perk!

@MonicaChurch 3 года назад

Wow that is really cool!

@tracy_cakkes 3 года назад

I have it too! So glad I got it!

@Aaandrewful 3 года назад

That was also my first credit card! It was definitely the best starter card as a student

@artisticallyme5648 3 года назад

That's cool!

@chickennugget3392 3 года назад

What if you’re a college student with no job? Do you still recommend getting a credit card?

@lotto5742 3 года назад

You regret getting your CC at 22 and wish you got one sooner? If it makes you feel any better, I got my first CC at 30.

@becca92900 3 года назад

@talldude123 how do you rent anything or purchase property of any kind?

@MarkReese 3 года назад

Still great that you got started 😃👍 Which card did you get? 💳

@allystanhope4431 3 года назад

I have a Scotiabank Passport Visa Infinite but I’m from Canada. Points you earn can be applied to ANY travel (air fare, hotel, rental car) charged to the card, free priority pass membership + 6 airport lounge visits per year, and no foreign transaction fees. Card fee is $139 a year for 2 cards but we earn roughly $600 a year in free travel.

@MarkReese 3 года назад

Hey Ally! Awesome that you earn $600/yr. towards travel with that Scotiabank Passport Visa Infinite Card! Sounds like a great one that I wish we had in the U.S. 😁👍✈️

@irsary14 3 года назад

I have the Chase Sapphire Preferred®Card and ONLY used it for necessary purchases that I would use whether I used the credit card or not so might as well benefit from the perks and rewards! I have a trip all paid for by travel points! Best decision ever!

@MarkReese 3 года назад

Hey Irsary - AWESOME that you're using your CSP card responsibly and already have enough points saved up for a trip 😃✈️ Where are you planning to go?

@chrishackslife3138 3 года назад

The Chase Cards are great. The new Freedom Flex is a great choice matched with one of the Sapphire cards and the Freedom Unlimited. They give some great travel options too.

@VeggiesbyEos 3 года назад

What's the difference between flex and unlimited? I currently have unlimited

@chrishackslife3138 3 года назад

It has rotating 5% cash-back categories and 5% back on grocery purchases for the first 12 months. Also, a $200 signup bonus. Reviewed it here: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-IaqyQN0RzQg.html

@megancheraehodges 3 года назад

With chase cards pay attention to the 5/24 rule.

@starfishey2 3 года назад

@@VeggiesbyEos To add on what to the Freedom giving you 5% cash-back on certain things quarterly these cash-back points transfer over to your sapphire card so you can instead use them towards the better perks Sapphire gives you access too. It's great!

@MarkReese 3 года назад

Totally agreed with ya Chase! The Freedom + Sapphire branded cards work so well together. Which ones do you have? 😃✈️

@sara125982 3 года назад

Chase trifecta. Great for combining points for travel or if you just need cashback.

@MarkReese 3 года назад

Totally agreed with you on that Chase Trifecta! Great for 💵 or ✈️. Which 3 Chase cards are you using in your trifecta at the moment?

@brittanywhite2763 3 года назад

@rodriguezjames2679 3 года назад

@ben_kirkpatrick 3 года назад

Just got the Chase Freedom Flex card ($200 bonus for $1k spending in the first 90 days, if I remember correctly). Currently looking for a great travel card- thanks for the tips! :)

@MarkReese 3 года назад

Hey Ben - congrats on your approval for the CFFlex! 😃👊💥 For your next travel card, what kind of travel do you like to do?

@p3drogil 3 года назад

Have you thought about getting the Amex Platinum or Chase Sapphire Reserve for travel?

@MarkReese 3 года назад

Both of those cards = 🔥!! Do you have either of them in your wallet at the moment?

@brittanywhite2763 3 года назад

@lyndseygarman8286 3 года назад

Southwest does companion fare. Theirs is if you spend a certain amount then the next year you get a free ticket for your companion.

@MarkReese 3 года назад

Hey Lyndsey! Have you qualified for the SW Companion Pass before? 😃✈️

@lyndseygarman8286 3 года назад

@@MarkReese not yet.

@MarkReese 3 года назад

@@lyndseygarman8286 - Neither have I 😆 Haven't had a good use for it yet, but for families / couples who travel a lot, it's one of the best perks out there!

@LEXPOSvlogs 3 года назад

Monica was like let me rack up all these referral bonus points by dropping these referral links lmaoooooo

@MonicaChurch 3 года назад

Haha it limits you to like 60k points I think but if you wanna help a girl out 😏. Honestly don’t care if people use the links or not, but with the Alaska referral you get an extra 20k miles as the person signing up! Thought that was cool.

@SHADYKIMMIE97 3 года назад

I knew that’s what she was doing but she should’ve given a disclaimer or something. Makes her seem a little fishy.

@alannaaaa 3 года назад

@@SHADYKIMMIE97 She did give a disclaimer in the description...

@MarkReese 3 года назад

Gotta get more points for 2021 😁✈️

@katiebrown9400 3 года назад

I have the discover student! I love it! You get $20 a year for good grades which I love. They also do the cash back thing but I’m pretty busy in college so I don’t have much time to travel. You also get a one time grace thing on a late payment where they won’t charge you a fee which I love

@katiebrown9400 3 года назад

Also there’s no annual fee!

@MarkReese 3 года назад

Hey Katie! Great decision in getting a student card from Discover; they're a great bank to work with 😃👍 Have you already had the card for a full year to get the Cash Back Match? 💳

@katiebrown9400 3 года назад

Mark Reese // Credit & Finance I believe I have! I signed up for it in august of 2019

@MarkReese 3 года назад

@@katiebrown9400 - Great to hear 😃🙌 Here's to more cash back in 2021! 💯

@samanthawilliams3499 3 года назад

I have the Chase Freedom Unlimited and the Discover It. I like the chase freedom because you can redeem the rewards for most travel airlines and hotels! You also get cash back on select purchases. The discover it card is really good because they match your cash back and you can redeem the rewards on Amazon or deposit it into your checking account!

@MarkReese 3 года назад

Fantastic couple of cards right there! 😃👍 Do you intend on adding any new cards in 2021?

@jennijones9176 3 года назад

One really important thing not mentioned: every time you sign up for a new credit card your credit score drops significantly especially if you sign up for them close to each other (~within a year of each other)

@budgetbirdy100 3 года назад

An important point to consider!!

@KelseyBodnar 3 года назад

Interesting! When I signed up for my second, I didn't see a change in my score. In fact, mine went up when I paid it off in full the first month.

@i.am.heather 3 года назад

Your credit takes a hard hit for the inquiry, but it doesn’t necessarily drop your score. Having multiple hard hit inquiries and declines can drop your score significantly so your best bet is to find a card that has pre-approval for your credit score. Accumulating multiple credit lines too close together WILL drop your score, especially if you’re maxing out those lines and only making minimum payments. The goal is maintaining 30% or less on any card so the credit line is open. If you pay a card off every month, building credit won’t be a problem and the hard hit inquiries aren’t something to be concerned with, especially if you’re someone with at least a 740 credit score.

@funshofuadayomide9214 3 года назад

@Eddiehack1on Telegram is the only legit vendor i found on dark web i got life cc and dumps from him

@MarkReese 3 года назад

Hey Jenni! You're right about the credit score dropping a bit when a hard pull hits your credit file 😃👍 I've found that if I get approved, my score oftentimes increases beyond where it was before the application. Have you experienced the same? 😃💳

@AaronIdelson 3 года назад

"sure i'm just gonna get this stupid credit card" HAHAHAHA MONICA NO THIS IS THE ROOMMATE SITCH ALL OVER AGAIN

@MonicaChurch 3 года назад

I knowwww 😭😂

@MarkReese 3 года назад

Lmao roommate peer pressure is real 😂👍

@JodyReacts 3 года назад

I got the Capital One Quicksilver because of the cash back. I don't travel (especially now) and it just makes sense for me. I also got a $200 bonus for spending $500 in the first 3 months. Also no annual fees 🤷‍♀️

@MarkReese 3 года назад

Hi Jody! Awesome that you got approved for that C1 Quicksilver card 😃🎉 Do you plan to add Card #2 sometime later in 2021?

@Camilamaguna 3 года назад

I’ve had my Alaska card for a few years now and I love it .

@brittanywhite2763 3 года назад

@MarkReese 3 года назад

Hey Camila! Awesome to hear you've got the Alaska Airlines Visa too 😃🙌✈️ What's been your best mile redemption so far with the card?

@jeannine1991 3 года назад

Apple Card is fantastic. My favorite, by far. Cash back. Don’t have to use a physical card, it remotely connects from your phone. Immediately notifies you when a charge occurs. Everything on your phone, which allows you to easily track and make payments.

@russellschroeder3 3 года назад

Agree. I have the Apple Card as well but only use it for Apple related purchases to get the maximum 3% cash back. Having all relevant info in the Wallet app on my iPhone is terrific.

@jeannine1991 3 года назад

@@russellschroeder3 yes, the integration to the phone is excellent, and it is the clearest explanation of interest, charges and payments that I have ever seen. Having “no touch” use during covid has been a godsend.

@MarkReese 3 года назад

Hi Jeannine! Agreed with you on that ... the Apple Card's integration with the Wallet App is amazing 😃👍 Do many places near you accept Apple Pay too so that way you can earn 2% Daily Cash frequently? 💳

@jeannine1991 3 года назад

@@MarkReese, most places accept it. The contactless feature has been especially great during covid.

@MarkReese 3 года назад

@@jeannine1991 - It sure has! 💯 Contactless payments hadn't really taken off much in the U.S. prior, so hopefully the covid situation gave the tech the boost it needed to keep gaining traction 💥

@makeupshakeup13 3 года назад

I have the southwest credit card!! And they have this thing called the companion PASS and you name your companion for the YEAR and you only pay the taxes which are $11.90 TOTAL

@MarkReese 3 года назад

Hey Eliza! YES Southwest's Companion Pass is one of the best loyalty perks in the world of travel 😁✈️ Have you ever gotten it yourself?

@vojazzy11 3 года назад

I have Southwest and I did not know this, thank you!

@kaleighjs 3 года назад

I have the Chase Sapphire Preferred, Platinum Delta AmEx, and the Bank of America Cash Rewards card. I really love the Chase one, I've had it for a few years now and can use the points in a variety of ways. the AmEx I got in January thinking I'd be traveling a lot this year, but I've racked up a lot of points, so hopefully, I can use them next year 🤞! I also live in ATL so having a Delta card is very helpful. My husband has the Gold Delta AmEx and the BassPro card since he shops there a lot. I play the points game pretty strategically and heavily and pay off the cards every week. Our credit scores are both around 825!

@kaleighjs 3 года назад

Oh yea, I have the Southwest card too, I forgot. But I don't use it except when I fly Southwest!

@MarkReese 3 года назад

Wow 825 scores for both of you AND some awesome cards to go with! 😃👍 Well done! Do you plan on adding a new card in 2021? 💳

@birgitverbruggen984 3 года назад

My first creditcard I got when I traveled to New York. It’s a student one it’s much cheaper and more safer to spend money in my opinion. You can only spend 750euros a month but you can ad money on from your debit account. In Belgium we mostly pay with our debit card. So we don’t really need a creditcard. But I use it for online orders on some website that doesn’t accept debit card. We don’t need a good credit when we buy a house or car. We only need to pay 10% of the house or car in advance. And then we stay in debt for X amount of years. I think it helps a lot that our education (uni) cost only around 1200 - 2000 euro’s each year everything included. (Transport, books, education, ...). It can be less to if you get a scholarship.

@MarkReese 3 года назад

Hey Birgit! Thanks for the insights about the credit card industry in Belgium 😃💳 It's really interesting to hear how different things are from Europe compared to the U.S.

@madds7719 3 года назад

Do I have a special companion to use these miles with? *YES I HAVE MY TWIN SISTER* Had us in the first half, Monica.

@CHSwildcats19 3 года назад

not gonna lie .... lolololol :-D

@MarkReese 3 года назад

Lmao she sure did 😂👊

@tonivasquez2038 3 года назад

My next credit card was going to be a travel card but now I’m waiting for corona 😂

@kamilsultan1637 3 года назад

Chase Sapphire Preferred. 60k bonus points after spending 4k in 90 days. $95 AF. $600 cash back or 25% redemption boost through Chase travel portal. Get even more value by moving points to certain transfer partners. 1 year free DashPass. 5x back on Lyft. Receive a 25% boost using the “Pay Yourself Back” tool, which allows CSP cardholders to redeem their points for a statement credit towards purchases made at grocery stores, dining establishments (including delivery and takeout) and home improvement stores up to 90 days prior. Redeeming for PYB is $750 in value! Feel free to ask any questions. www.referyourchasecard.com/6a/8W1QACZB8N

@MarkReese 3 года назад

Haha I totally see what ya mean 😁✈️ Once Corona is over, where do you want to go?

@paraniomia 3 года назад

By Credit Cards are you referring to 'Debit Cards' or purely Credit only? Australia tends to be a lot more cashless than USA, even before Covid, so the cards tends to be used everywhere and cash less so, I think that's related to the tipping that happens in the USA. Any reason you just haven't cancelled the Nordstrom Card or do you just keep it as a reminder?

@MarkReese 3 года назад

Hey Kerry! In the video it was focused on credit cards only 😃👍 When you say that Australia tends to be a lot more cashless, do people use debit cards or credit cards more in your experience?

@paraniomia 3 года назад

@@MarkReese Not really sure as a general rule credit/debit, but most people just do the tap and pay these days for smaller purchases, down to buying

@briannanovaris4560 3 года назад

Discover has an amazing student card that I used all through highschool/college (however definitely recommend having a backup visa/debit card because discover isn’t accepted everywhere). I now use the citi double cash, 2% back on everything!

@MarkReese 3 года назад

Hey Brianna! Did you start with the *Discover Student Cash Back* card that earns 5% in rotating categories or the *Discover Chrome for Students* card that earns 2% at gas stations + restaurants year round? 😃💳

@akcezz2011 3 года назад

Been waiting for you to share your cards! Also Most likely Graham Stephen will react to this!!

@MarkReese 3 года назад

Haha a Graham Stephan response would be awesome 😁👍

@OliviaFrescura 3 года назад

I don't understand credit cards enough at all LOL I need to get a new one...I legit just have the one you get from apple to get a computer & a healthcare credit card. I need to raise my score a little bit more too after working on it last year so maybe it's not the time yet!

@kamilsultan1637 3 года назад

What’s your FICO score on Experian or Discover Scoreboard. Which cards are you considering?

@MarkReese 3 года назад

Hey Olivia! Have you already started your journey with credit? 😃💳

@bridgettekiefer7154 3 года назад

I have a discover student! It’s perfect for me at 20- low limit but still realistic. Got it right when I turned 18 and maybe put 100-300 I’d use it for big stuff I knew I was gonna get every month. Phone bill, any flights, school books. Has 5% cashback.it helped me build my own credit to not need a co signer getting my new car! No annual fee

@MarkReese 3 года назад

Hey Bridgette! That Discover Student Cash Back card is great 😃💯 Have you already had it for a full year to get the Cash Back Match? 💳

@bridgettekiefer7154 3 года назад

@@MarkReese yes and they match whatever I got the first year!

@MarkReese 3 года назад

@@bridgettekiefer7154 - Awesome! Gotta love a big win like that! 😁💵

@pizzadispenser1389 3 года назад

I use the chase trifecta, I rack up points like crazy

@MarkReese 3 года назад

You've got one of the best credit card setups on planet Earth 😁💯🌍 There are a lot of 'trifecta' combos nowadays...which 3 are you using?

@danielacorrea4943 3 года назад

I’m about to turn 20 on the 8th and just recently received my first credit card with Discover! I really wanted to start building credit and figured I should purchase some Christmas gifts with the card to help me. I love your channel and learn so much with your content so thank you for that! I feel like I’m learning so much about adulting with you lol!

@MonicaChurch 3 года назад

Yess happy for you for getting one at 20! Build that credit 🙌🏻

@MarkReese 3 года назад

Hey Daniela - a big congrats on your approval with Discover (and for getting your credit journey started) 😃🎉💯 Which Discover card did you get?

@robertengel8342 3 года назад

Any update on the airstream trailer?

@artisticallyme5648 3 года назад

I was wondering about that too

@momohsamuel6009 3 года назад

Go shop with @Darklarry2 on telegram he is the best he has been helping me with card buy your creditcard with high balances,💯

@crystalemily3081 3 года назад

I started off with a Collateral Loan through my local bank. When the loan was up I went with the Capital One Platinum, added their Silver Card a year later which is my most used for the cash back. I recently got the CITI Double cash back card which I’m enjoying! I don’t want to get a card that has an annual fee, but if I start traveling more I think I’ll get a card that has hotel/flight points! My score fluctuates between 745-765 and I’ve been building my credit for about 3.5 years.

@MarkReese 3 года назад

Hey Crystal! Fantastic job getting off to a strong start with your credit journey (and getting your score into the 700s) 😃🙌💳 Do you plan on adding another card in 2021?

@kathrynobrien8939 3 года назад

Chase Sapphire Reserve is THE BEST hands down. So many free perks! Priority Pass, $300 travel credit, DoorDash credit (& free membership), TSA precheck or global entry credit, and the list goes on........

@MarkReese 3 года назад

Hey Kathryn! Yep that CSR card is loaded with awesomeness 😁💳💯 It sounds like you have it yourself, yes? Did you use the DoorDash benefits the most in 2020?

@nhuff73 3 года назад

Capital one venture is my favorite. Chase skate is my second.

@MarkReese 3 года назад

The C1 Venture is a great card 😃👍 Are you saving up your miles for a specific trip next year? ✈️

@momohsamuel6009 3 года назад

All thanks to @Darkfullz102 on telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯.

@momohsamuel6009 3 года назад

@@MarkReese All thanks to @Darkfullz102 on telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯.

@KiaraMadisen 3 года назад

Loved this video. Someone tell me why I’m so into comparing credit cards...anyways here are my two favs: 1. My Wells Fargo Propel American Express card (I used this for all my business expenses but anyone can get the card) It had a sign up point bonus (I think it was like 60K points if you spend 3K in 3 months..can’t recall the exact deal) but it’s GREAT bc you points can go towards any hotel, flight on any airline, no blackout dates, even food at hotels and SO much more. It’s so easy to redeem and I’m a big fan that I can pay it off & track it easily sense I bank at Wells Fargo 2. The Alaska Airlines card like you said...I always fly Alaska and the companion fair like u said has saved my friends and I so much money. I got to hawaii for $125. It’s such a great card for west coasters and I love checking my bag and not lugging it around the airport. Thanks for making this amazing video. Hopefully it convinces people start building credit early 👏

@funshofuadayomide9214 3 года назад

Nice Point, you can also write to @Ediehack1 on Telegram i get 5000 to my credit card ask him how

@MarkReese 3 года назад

Hey Kiara! Awesome that you're into comparing credit cards too 😁🙌 That WF Propel card = incredible (I absolutely love it)! Did you focus more on cash back or travel rewards in 2020?

@cquinnth 3 года назад

I have the Alaska card too and I love it.

@MarkReese 3 года назад

It's a great card (and the miles earned are really valuable, too) 😃✈️ Where do ya want to travel to next?

@yesy209 3 года назад

Favorite is Chase credit card the one with no annual fee! 3% back from restaurants 👏🏻

@MarkReese 3 года назад

Hey Yes! If I were to guess, I'd say you've got either the Chase Freedom Unlimited or the Chase Freedom Flex...yes? 💳😃

@momohsamuel6009 3 года назад

All thanks to @Darkfullz102 on telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯.

@twinkharrylwt226 3 года назад

Me as a dutch person would never understand having more than one credit card.. i have one and i am in the minority in the Netherlands.. for some online shops to order it..

@i.am.heather 3 года назад

In the US, like Monica explained, if you’re going to make any kind of big purchase you must have good credit and to build that, having a credit card helps. If she’s using her Delta rewards card to purchase her normal day to day things (gas, groceries, etc) and pays it off every month from her checking account, then she’s getting rewards from the credit card company AND building good credit. The business credit card is a no brainer - she has her own business and I haven’t heard of many businesses without a line of credit. 🤷🏼‍♀️ As for the Alaska Airlines flight card, if she’s traveling on that airline all the time, she may as well use that card for perks on that airline as well. & that Nordstrom card...... definitely a dumb card 😂😂😂 the only thing is, canceling a line of credit too soon can look bad, but I don’t want to see her get hit with a yearly fee if there is one. I guess Americans are weird 🤷🏼‍♀️ How do y’all make huge purchases in the Netherlands (like homes)? Do you not have banks to get mortgages and loans? Do you not need credit? Or do you save the loads of money to make the purchase? What if an emergency happens and you don’t have money for the expense?

@twinkharrylwt226 3 года назад

@@i.am.heather yeah I get it, when I went to NY for a few months for work I used my mothers credit card (couldn’t get one in the netherlands under 18) We have bank accounts with debit cards.. in the netherlands (not al european countries) we pay everything by debit card.. that is where our loan will be coming on, our social money things (when u rent and don’t have enough income you can get money from goverment, same as with health insurance) most debit cards can go into minus.. untill a maximum a month and you have to get at least some form of money into the account. But you can do it.. i don’t bc i have a savings account with plenty of extra money if something happens We don’t need credit to buy a house or something.. they will check in a register CBR (credit bureau register if i am right) register there will be debts if you have any, if you took a loan for buying a phone (plan) or if you paid something with after pay and never payed back. Most have student loans ( you can loan a maximum of 1000€ a months) there is a part for the tuition in the first year that is 80 euros a month and in the seccond year that is 160 euros a month.. the rest is for other expences.. officially a student loan isn’t counted as the same dept as others .. after 5 years of working you start paying it of and it will be the amount connected to how kuch you make.. i will pay like 15 euros back and after 35 years they will say the rest you din’t have to pay.. so that is basically 50% we don’t have to pay back..

@i.am.heather 3 года назад

@@twinkharrylwt226 I need to move to the Netherlands! I wish student loan debt was looked at the same way here.... I will be paying on my loans until I die (I also have two degrees, so the joke is on me!).

@twinkharrylwt226 3 года назад

@@i.am.heather i do know the loans for international students (or if someone does a seccond study) they would have to pay full tuition which is more like 10k a year but now goverment pays it through our taxes

@MarkReese 3 года назад

Haha yep the credit card industry is quite different here in the U.S. 😁💳 Does the 1 card you have provide decent rewards?

@MattNav 3 года назад

I'm a bit of a points addict and thus I have the American Express Platinum card. Love the flexibility of the AMEX points currency. Btw Monica big tip : Alaska does offer a status match challenge from your Delta Silver status. You just need to fill out a form on the Alaska website with proof of your Delta status and they'll enroll you in the challenge to jumpstart your Alaska elite status journey. Google "Alaska Status match" to find out more

@MattNav 3 года назад

Also side note, Alaska miles are far more valuable than you might have realised, especially when redeeming them for award flights on Alaska's partners such as Cathay Pacific, Qantas, Japan airlines, Icelandair, Emirates and so on. For instance I used 55,000 Alaska Miles in order to fly Qantas business class from New York JFK to LAX to Melbourne Australia and then from Brisbane to Perth... All for $49 in taxes and fees. Cash fare was around $13,000

@dicksonfong2488 3 года назад

Booking hotels through Alaska Airlines is also an efficient way to earn Alaska Miles. There are some hotels that are offering on the order of 5000 miles per STAY. The highest I've ever seen was 10000 miles/stay but this was pre-pandemic.

@MonicaChurch 3 года назад

WHAT!! Thank you for these tips!!

@MattNav 3 года назад

@@MonicaChurch also in 2021, Alaska is due to join the Oneworld alliance meaning that your Alaska elite status benefits will then include a whole bunch of useful perks across the whole alliance, this includes the likes of American, British Airways, Qatar Airways, Cathay Pacific, Qantas, Finnair, Iberia, Malaysia Airlines, Japan Airlines and so on. Things like earning Alaska miles and status miles, priority check-in, business or first class lounge access, priority boarding, extra baggage allowance and much more

@MattNav 3 года назад

@@MonicaChurch I just checked the Alaska website and your Delta Silver status would be equivalent to Alaska MVP status. Status matches are awesome, I personally have matched my British Airways status in order to get TAP Air Portugal Gold (which includes Star Alliance Gold status, useful for United, as it's equivalent to United Gold but it gives me access to United Club lounges even on domestic tickets) and Delta gold medallion status all with little to no effort. www.alaskaair.com/content/deals/mileage-plan/elite-status-match-offer?lid=vanity-statusmatch#elite-status-match-offer-mvp-status-from-heading

@vinhsanity 3 года назад

AMEX Platinum and Gold, Plat for travel and Gold for restaurants and groceries. Citi Double Cash for everything else. That’s my personal trifecta...

@MarkReese 3 года назад

Hey Vinh - AWESOME card setup 😃💯 Do you plan on adding any additional cards in 2021?

@LuxrayVisi0n 3 года назад

I have a couple! My favorite is the Best Buy one! It took me forever to build credit so the Best Buy credit card isn’t a first credit card type , the perk is 12 months financing with NO interest. So pay it off in a year and it’s great for people that love tech items or if you buy a house (my sister has the same card) you can get great deals on appliances! Also an easy entry level credit card is a college card (most banks offer a low amount) every bank is different but I got my first when I was 18 and my limit was 1,000!

@MarkReese 3 года назад

Hey Amy! Great that you got a card that fits your purchasing habits 😃👍 Was the 0% APR on the BestBuy card part of the welcome offer (meaning only in Year 1), or are there special financing promos it offers year after year?

@LuxrayVisi0n 3 года назад

@@MarkReese bestbuy does the 12 0%apr for every purchase you make over a certain amount. They even do 0% for 6 months with smaller purchases. It all just depends on the purchase!

@MarkReese 3 года назад

@@LuxrayVisi0n - A really useful feature for those big tech purchases 😃👍

@MaddieCassidy 3 года назад

one thing i'm planning on doing in 2021 is getting a travel credit card so this is PERFECT timing monica! thanks for doing my research for me hahah 💌

@brittanywhite2763 3 года назад

@MarkReese 3 года назад

Hey Maddie! Awesome to see you've got travel cards on your radar 😁✈️ Have you already begun your credit journey with other cards?

@Blocktelligence 3 года назад

I have 22 credit cards. Cash Back is the name of the game. Amex membership rewards are also strong!

@kamilsultan1637 3 года назад

Yes sir. And AmEx offers/retention offers are underrated as well.

@MarkReese 3 года назад

Dannnngg that's a solid card lineup Ronald! Which cards do you use the most? 😃💳

@brittanywhite2763 3 года назад

@rodriguezjames2679 3 года назад

@zachg9065 3 года назад

Last part is the best advise, pay them off at the end of the month, all credit cards are banking on the user spending a ton of money and then not paying them off and then giving the credit card companies a ton of interest payments. I have 2 credit cards and built my credit up to 790 at 24 years old and haven’t paid any interest.

@MarkReese 3 года назад

WELL DONE - you've got a really solid score, and avoiding all interest is even better! Which 2 cards do you have? 😃💳

@zachg9065 3 года назад

@@MarkReese Discover Card and Amazon Chase

@MarkReese 3 года назад

@@zachg9065 - Solid combo using those 2 together 💯 Got your eyes on a 3rd card for 2021? 😃

@lizr6155 3 года назад

Chase freedom unlimited is my favorite! Especially because it has no annual fee which is what I look for the most in a card. This video was so helpful ! I’ve been looking into getting another credit card

@MonicaChurch 3 года назад

Thank you for watching and glad it helped!

@mahoganydrive 3 года назад

I have that one! I like it too.

@MarkReese 3 года назад

Hey Liz! Great to hear you've already got the Chase Freedom Unlimited; it's a fantastic card 😃💳💯 Is it your only card at the moment?

@eowendyl 3 года назад

Did not expect you to post this video, and haven't yet watched to the end (commented and liked before, for the algorithm :P). Very interesting to see your take on it and what credit card user group you fall into. And now, let's see what we've got here...

@MonicaChurch 3 года назад

Thank you!

@MarkReese 3 года назад

Agreed! It's fun to see which cards people have & how they use them 😄💳 Which cards have you been using this past year?

@eowendyl 3 года назад

@@MarkReese I'm new to US credit. Graduated from my Secured Citi card in November. Instantly after, grabbed the IHG Premier and put exactly $3000 on that for the generous, improved signup bonus. Now that the bonus requirements have been met, all my spend is going on my trusty Crypto.com Icy White card, which gives me 5% on pretty much everything. Looking forward to 2021 and building a bit of history with Chase so I can grab the Marriott and Hyatt cards as well. Don't wanna rush applying for those just yet since my profile with Chase is so new still. Thinking maybe in April or May. I'm a patient man :)

@MarkReese 3 года назад

@@eowendyl - Great strategy 😃👊 Good luck on the future applications when the time is right 💯