Which Travel Credit Card Actually Fits you?

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19 июл 2024

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Комментарии : 136

@spaethco 11 дней назад

My absolute favorite part of this video is the background music which I assume was lifted from a 90's "Workplace safety can be fun!" video. We're picking cards and getting forklift certified in the process!

@LukesPointsandMiles 11 дней назад

@@spaethco 80’s themed actually! Background music is pretty new for me, I was hoping it wasn’t too loud

@franciscanstudent 7 дней назад

@@LukesPointsandMiles Volume was good You did well.

@PhilMo78 12 дней назад

U forgot the churners/optimizers. ALL of em. I. Want. All. The. Cards. 😂😂 Cool breakdown sir! Thanks for the video

@LukesPointsandMiles 12 дней назад

All the cards are for the churners but which one will they keep??? Thanks for stopping my, PhilMo

@newagain9964 9 дней назад

Ahhh the pokeman strategy.

@L-Man-Gaming 12 дней назад

The Amex Gold was that hyped up card. The psychology of money is strong and something about having to pay someone money first before buying food never sat right with me. That’s why the Capital One Duo has some thought put into it because they offer a food card for no AF and you can still use those points but only if you pay the fee for their travel card first, and quite frankly that feels a lot better to spend on since travel is a luxury not a necessity like food.

@LukesPointsandMiles 12 дней назад

@@L-Man-Gaming I can understand exactly what you are saying.

@soapa4279 12 дней назад

Are you talking about the credits? If so, I agree. $10 credit a month is so pitiful and it makes you spend more than $10 every time that you weren’t originally spending. In fact the Amex Gold is on my future cancel list after one year.

@newagain9964 10 дней назад

For me, travel is a necessity. But I don’t travel luxuriously (but very well😋). The VX keeps escaping my chopping block, it just barely makes sense. Maybe in yr3 it will

@OfficialChadsMoneyMinutes 12 дней назад

This was a great topic, too often people will grab cards based on popularity more-so than utility….

@LukesPointsandMiles 12 дней назад

@@OfficialChadsMoneyMinutes 💯

@Xavier_ID. 12 дней назад

Love the topic and well presented. We gotta stay calibrated and not lose sight of what we really need and not just want.

@LukesPointsandMiles 12 дней назад

@@Xavier_ID. nice use of the term “calibrated”. Sounds just right

@jimmyjames6492 11 дней назад

Thanks for the great info + video!

@LukesPointsandMiles 11 дней назад

@@jimmyjames6492 thanks for watching, Jimmy!

@ronburn 12 дней назад

Great video! A coworker and I was having a similar discussion about credit card points a few days ago. He is single and in his late twenties and isn't interested in travel. I'm in the family category and my wife and I want to show the kids there is more to the world than our region. He is not interested in managing multiple cards and which one to use at a given location. He's more likely to use a cash back setup with only one or two cards. While many are interested in the travel, there are many others that would like the cash back setup.

@LukesPointsandMiles 11 дней назад

@@ronburn perfect example! There was a time in my life I was not interested at all in travel. Travel points would’ve been quite worthless

@The_Turd_Ferguson 12 дней назад

You're the only RU-vidr that actually tell the truth rather random pimping bullshit for a referral fee.

@LukesPointsandMiles 11 дней назад

@@The_Turd_Ferguson well, I’m not the only one but thanks for recognizing my authenticity!! Haha

@newagain9964 9 дней назад

@@LukesPointsandMilesur the only YTer capable of bench pressing or deadlifting the bs in this game tho. 😂

@ugoewulonu4936 8 дней назад

I ❤ Luke’s Points and Miles!

@LukesPointsandMiles 7 дней назад

@@ugoewulonu4936 thanks for watching!!

@NurseMichaelTravels 12 дней назад

Great video, it's always difficult to make general recommendations for credit cards, but it's also fun to hear other people's opinions on the personalities they attach to cards. I would add that the AMEX Platinum is especially great for solo travelers or those who tend to travel by themselves more often than not since there's no free way to get into most of the lounges offered by the card.

@chrisv4920 12 дней назад

Agreed 👍, they should’ve keep at least ONE free guest. (A biz partner)

@LukesPointsandMiles 12 дней назад

Agreed. It was such a loss when they took away the guests!!!

@elliottnixon-wq6sp 12 дней назад

You know what I love about this vid? You acknowledge that you have to spend money to get the points. Less money means less points. It’s always been a bugbear of mine about the credit card space. It really isn’t free travel.

@LukesPointsandMiles 12 дней назад

@@elliottnixon-wq6sp none of it is free!! Haha

@creepii91 12 дней назад

It’s free travel if you use credit cards for spending on things you already need to spend your money on anyway. Not spending just for the sake of it. 👍🏼

@soapa4279 12 дней назад

I disagree. Whether or not you spend more or less, as long as it’s with things you were spending on anyway, points are free to you. The alternative is to pay with cash or debit, which gives you nothing back, no protections, no insurance, no benefits.

@LukesPointsandMiles 11 дней назад

@@creepii91 it is 100% not free. Any travel points you collect. You are foregoing a cash rebate. Therefore there is always a cost involved.

@LukesPointsandMiles 11 дней назад

@@soapa4279 not true. Nothing is free. The alternative is to use a cash back card at 2%. Therefore every travel point comes at a cost (cash alternative)

@caribdude8151 12 дней назад

Yes Sir! Happy Sunday! 👍😊

@LukesPointsandMiles 12 дней назад

Thanks, Dude!

@ryanccc777 12 дней назад

Great review Luke!!! Totally agree that mileage may vary based on where you are in life!! I have young kids and we travel a lot together so the VX with the PP lounge access is clutch and my mom who lives in a different state and retired is also a VX AU (she has been to more lounges than I have 😂). At this stage I value Hyatt and Hilton as brands and transferring points to Hyatt as finding award flights for four people is “interesting”.

@LukesPointsandMiles 12 дней назад

@@ryanccc777 4 tickets are tough sometimes, man! That’s the dad life!

@iankm1 12 дней назад

Good on yea thanks for the vid mate

@LukesPointsandMiles 12 дней назад

@@iankm1 my pleasure!

@luismunoz1213 12 дней назад

Great video uncle Luke!

@LukesPointsandMiles 12 дней назад

Thanks, Luis!!

@vickiarnold7300 10 дней назад

Great job on RU-vid ♥️

@LukesPointsandMiles 10 дней назад

@@vickiarnold7300 thanks Vicki!!!

@MontyTheCardNerd 11 дней назад

Great recommendations Luke! Also have you been cutting? Looking good sir.

@LukesPointsandMiles 11 дней назад

@@MontyTheCardNerd ha! I’m trying to shed some pounds. So far it’s been a very slow process!!!

@jaysonpadilla9588 12 дней назад

Great video

@LukesPointsandMiles 12 дней назад

@@jaysonpadilla9588 thank you sir!!

@druiz012 12 дней назад

I wish I was in that 3rd group... but Alas it's group 2 for me. But hey I get that luxury I never expected to get or would be able to afford otherwise.

@LukesPointsandMiles 12 дней назад

@@druiz012 you’ll get there!!! Haha

@gorviv529 12 дней назад

Luke, thanks as always for the content. Quick non-card question: what watch were you wearing in the video, and what are your preferences on watch styles?

@LukesPointsandMiles 12 дней назад

This one is the omega sea master 300 on a rubber strap. Like stainless steel sports watches. I really like omega!

@gorviv529 12 дней назад

@@LukesPointsandMiles That's classy man. Thx for the reply.

@franciscanstudent 7 дней назад

Good video overall! I think it would have helped to also throw in identifications of the demographics for whom CSR is the best option (maybe the big city dweller with ~one flight per quarter?). CSR seems to be a hybrid of the Amex Gold and Platinum cards and suits the persons who wouldn't get very much value out of Amex platinum but want something more than what the Amex gold card provides. Best part was identifying that the VX is top-tier for those who bring a lot of fellow travelers. Amex Platinum is more for those who travel in small groups or alone. The person who flies alone 8x per year and the person who flies once per year with 7 companions are not the same and can benefit differently from different tools.

@LukesPointsandMiles 7 дней назад

@@franciscanstudent yes sir!!

@KonstantinosPoints 12 дней назад

I love the comments on making money first 🤣 great categories too!

@LukesPointsandMiles 12 дней назад

Thanks for stopping by Konstantinos! I hate seeing folks they can’t pay the light bill trying to collect travel points when they should be investing in themselves!!

@KonstantinosPoints 12 дней назад

@@LukesPointsandMiles that’s exactly right!!!!

@newagain9964 9 дней назад

@@LukesPointsandMilesyeah. Consumerism is a hellauva drug. 🤦‍♂️

@thirtynine392001 12 дней назад

Great video concept, Uncle Luke. I'm interested in marketing and the various "personas" that companies create to identify their target audience. I guess I'm in your Group 3: I got the AMEX Platinum primarily for the lounge access since the USO only admits retirees on a space available basis. If I still had guaranteed access to the USO, I don't think I'd keep the card. 😅

@LukesPointsandMiles 12 дней назад

@@thirtynine392001 I think in a sense, I’m all three categories but more realistically I’m in the family travel category.

@soapa4279 12 дней назад

Going to add a hyped up card that I got is the Amex Gold. I’m already tired of trying to remember the $10 monthly dining credit and Ubercash. But for a Vanity reason I do like the physical card itself, the nice weight and gold color is pleasing. I’m going to keep this even after I cancel it 😂

@LukesPointsandMiles 11 дней назад

@@soapa4279 ha! I agree. I had the card for years before I realized canceling it would keep me sane.

@newagain9964 9 дней назад

Amex is tops knowing how to make a physical product AND market it. Along with 🍎. I don’t get cards for looks but I will actually get gold card if/when white-gold released. Best looking card I’ve ever seen. 🤌

@billwright2176 12 дней назад

In actual use the Aspire. But chased based with diversified spend multiples. And in a completely different way a few casino players cards that offer me free stays and some months airfare. I could probably find a room half the months. And several weeks in the Bahamas . It wasn't that hard to achieve. Wyndham business earner card kind of taps into this with ceasers status benifits

@LukesPointsandMiles 12 дней назад

@@billwright2176 very nice!

@yer992 12 дней назад

First, great vid!

@LukesPointsandMiles 12 дней назад

Thanks! 🥇

@VincentPascual 12 дней назад

Great breakdown of the different categories. My take: If you want a card that fits all 3 categories and can serve anyone from the college student to the retiree to everyone else in between, the Capital One SavorOne would fit the bill. Everyone has to eat, there’s no out of pocket cost (no annual fee), and you can switch between cash back and travel any time (of course, you’d need a Venture family card to transfer to partners).

@LukesPointsandMiles 12 дней назад

@@VincentPascual yea I think that’s the huge appeal of capital one. It really fits everyone use

@jamesragland03 10 дней назад

I appreciate your content, I've been following you for a year now. I started with the savor one may of 2023 and got the venture x in March of 2024. I'm getting as many miles as I can so I can travel after my kidney transplant. I'm debating csp or csr for my 3rd card.

@LukesPointsandMiles 10 дней назад

@@jamesragland03 good luck on the operation! The csp / csr debate is a tough one. Nothing wrong with starting out with the little brother first. Like I did

@jamesragland03 10 дней назад

@LukesPointsandMiles thank you, for the advice. I have 6 months to 2 years before the operation, I'm in chillicothe btw. I really do appreciate your content.

@LukesPointsandMiles 9 дней назад

@@jamesragland03 I recognize the last name. I played baseball with a Ragland many moons ago!!!

@flubberghosted2472 12 дней назад

I jumped on the Strata Premier 75k point offer. Citi cards and ecosystem are pulling me in. Great multipliers and downgrade paths. Makes a lot of sense with my spending habits and budget.

@LukesPointsandMiles 12 дней назад

@@flubberghosted2472 sounds like you’ve put some thought into it! Nice work

@NurseMichaelTravels 12 дней назад

I'm always really intrigued about getting into Citi's ecosystem - it'll be one of my next jumps either late this year or next.

@LukesPointsandMiles 12 дней назад

@@NurseMichaelTravels I’m a big Fan. Very economical option as well!!

@Sinisterniinja 12 дней назад

You forgot us active duty military folks who likes to collect all the cards since chase, amex, citi and us bank waive all the fees 😅 me and my spouse have a total of 7900 dollars in waived fees

@LukesPointsandMiles 11 дней назад

@@Sinisterniinja I love that! Thanks for keeping us safe!!

@jamesyu613 12 дней назад

My favorite travel cards is the CSP

@LukesPointsandMiles 11 дней назад

@@jamesyu613 it’s a great card for certain folks!

@jamesyu613 11 дней назад

@@LukesPointsandMiles I agree

@charmcharmy387 12 дней назад

I got the amex gold on hype... was worth the SUB though.

@LukesPointsandMiles 12 дней назад

@@charmcharmy387 the subs are always great!!

@newagain9964 9 дней назад

At least you’re honest…and don’t blame Amex for making u get/producing “a bad card”. 👍

@thejokerspeaks 12 дней назад

Amex Gold would be the most hyped up card I've ever gotten. It's not bad by any means, but there are better setups for me.

@soapa4279 12 дней назад

It’s a great food card, but I really dislike the credits. If they even made it like $30 a quarter or something it would be easy to use. But nah Amex wants you to always exceed that measly $10 every time for that swipe fee.

@thejokerspeaks 12 дней назад

@@soapa4279 There's also inflation that makes this credit more annoying over time. Today we're only getting about $7.50 in buying power compared to what $10 was worth in 2018. Let's say that the card had $2.50 monthly Uber Eats and Grubhub credits in 1980 (assuming they existed back then), with a $75 AF, and had never been refreshed. I guess the strength of the card would be worth $75, but who would want to mess with those credits?

@LukesPointsandMiles 11 дней назад

@@thejokerspeaks I understand 💯

@ranktank45 12 дней назад

I’d say I’m firmly planted in group two. Player 2 and I earn in the 250-300k household range but with a little boy and another in the near future we’re much more conscious of our spending habits. Admittedly we have an expensive setup that we min max for earning and status. With that said there’s only one card I think we feel doesn’t fit our lifestyle / regret and that’s the Bonvoy brilliant. I travel for work 55-65 nights a year and in the past that was all Hilton. This year I made Marriott my main hotel brand for work and I just haven’t been impressed. I think it’s a great card for a Marriott loyalist but after having spent so much time with Hilton I just don’t feel great about the switch. I’m going to tough it out for two years and get a few international stays under my belt. However, at this moment 53 nights in I’m pretty meh on the program which also make me feel meh about the card. As a point of reference we’ve done luxury stays in Philly, Chicago, SLC, Miami and NYC. Additionally all my work travel is courtyard, Fairfield, 4 seasons, Sheraton, and JW.

@LukesPointsandMiles 12 дней назад

@@ranktank45 sounds like you’re very aware of where you for in!!

@Leoprieto74 12 дней назад

I wonder in which category I fall into with my 16 premium travel cards totaling $6,800 in Annual Fees. I am sure I will get a lot “in the dumbest category” 😂. Cheers 🍻 .,.actually, I am currently at $6,450 AFs but soon to be $6,800 AFs with the product change to the Chase Ritz Carlton card late August. On a side note, The Sapphire Lounge at IAD is 10 times better than the Capital One Lounge at IAD. 🥂

@LukesPointsandMiles 12 дней назад

@@Leoprieto74 oh wow. I didn’t even know there was a sapphire Lounge at iAd!! You’re definitely in the big leaguer category!!

@Leoprieto74 12 дней назад

@@LukesPointsandMilesThanks for your feedback. I appreciated brother! Yes, the Sapphire Lounge at IAD is mixed with the Etihad Airways Lounge. Same lounge.

@LukesPointsandMiles 12 дней назад

@@Leoprieto74 very cool. Cant wait to visit

@DCGEMINI202 12 дней назад

Ur collection of cards must be super nice. Im close to $8K but once these fees kick in I’ll downgrade EVERYTHING and maybe only keep 3 annual fees cards. (CSR, WOH and amex platinum)

@Leoprieto74 12 дней назад

@@DCGEMINI202 How many cards you have? If I could only have 3 cards out of my 16 cards I would keep these three cards in order of preference: #1 Amex Platinum 💕 #2 Amex Marriott Brilliant #3 Amex Delta Reserve Business

@robertjarrell7276 12 дней назад

I’d be curious to know what you’d recommend for the alternative group you named who are entering retirement with reduced income. I have fully built out Amex, Capitol One and Citi (plus US Bank, which is my actual bank) setups but I’m realizing I can’t use all the credits, etc. I bypassed Chase and will be going under 5/24 this December for the first time in many years. Thoughts?

@LukesPointsandMiles 12 дней назад

There are a lot of factors here like income in retirement - will it be fixed or smaller than previous years? Will this person have much more time on their hands to optimize credits? what kind of traveling will they be doing? Spending? Myself, I'm 5 years away from "retirement" but I'm pretty sure I will still be working 30-40 hours a week while traveling. I actually think my income and spending will go up in retirement so Its difficult. Then there are factors like: Empty Nesters? is there a player 2? are they working? sorry i dont have a real answer

@LukesPointsandMiles 12 дней назад

I feel like if I were entering a chapter in life where income and spending and traveling were lower, i would probably simplify and squeeze the value from low or no AF cards.

@Ben..E 12 дней назад

@@LukesPointsandMiles I think that going for a travel card with the cost of the AF as the primary criteria is not a great idea for anyone , including retirees. Until it gets nerfed, the Venture X still is the best value among all travel cards, if you can use that $300 travel credit, because of all the travel benefits it does have, but an infrequent, inexperienced traveler might get overwhelmed by the things you can do with it. Maybe a hotel card or airline card might be the best for those looking for a simple setup. One idea is finding a card that just does cash back at 3% for travel, just make sure that it can actually help if you are in a jam overseas. My "travel" cards: Venture X, CSP, Costco, NFCU Flagship, and AAA Travel Advantage.

@Fridge56Vet 12 дней назад

There's no substitute for spend. Organic spend - not "manufactured" or unnecessary spend. I'm new to the game, but it seems all the talking heads tout intro bonuses as if that's the be- be-all-end-all, but if you can't spend what you need to earn it then it's moot. Glad to see you inject a dose of reality to the space. If I get a card I dobit with a plan. How does it fit in, what will I use it for, and where will the spend come from that doesn't take away spend better put on other cards are all thing I ask myself.

@LukesPointsandMiles 12 дней назад

@@Fridge56Vet always great to have a plan!! No wasted movement.

@Just_Stevo 12 дней назад

I jumped into the AMEX BCP for the 6x on groceries only to realize I spend way over the 6k annual limit. Recently got the Gold so the BCP is getting downgraded when the AF hits again.

@LukesPointsandMiles 12 дней назад

@@Just_Stevo yeah that $6k cap sucks for us big grocery folks!! Maybe two BCPs might work?

@barbaraharris4343 5 дней назад

We are in the family group. We usually do a family vacation to Universal Orlando but book directly with the hotel to get a 30% passholder discount. We also want to book a Disney cruise. Is Venture X travel eraser the best option? What are your thoughts on US Bank Altitude Reserve for these uses? Any other cards you would suggest for Universal/Dollywood/Disney?

@LukesPointsandMiles 5 дней назад

I’m actually not much a fan of the UsAR because of the annual fee.

@User-dh4xj 12 дней назад

I got the Citi Strata Premier last August when it was still the Citi Premier card, and it hasn’t been as useful as I hoped it would be for gas since I go to a gas station that doesn’t accept Mastercard 😢

@LukesPointsandMiles 11 дней назад

@@User-dh4xj I’m actually scratching my head trying figure out why a gas station doesn’t accept MC!!

@User-dh4xj 11 дней назад

@@LukesPointsandMiles Costco Gas Stations 🤷‍♀️

@magicalday4431 8 дней назад

I think the Bilt card could be good for the first two demographics.

@LukesPointsandMiles 8 дней назад

@@magicalday4431 I can see that. I dont talk about the Bilt Card much since I don’t rent or live in a high cost of living area.

@magicalday4431 8 дней назад

@@LukesPointsandMiles I’m the same as you, I’m in that over 55 group just not retired. I’ve been restructuring my card setup . I’ve even tied my freedom unlimited to a free Bilt account and joined there dining program. Getting chase and bilt dining points on the same transaction.

@Df8s 12 дней назад

10:41 Apple card in my case

@LukesPointsandMiles 12 дней назад

@@Df8s understandable!

@Df8s 12 дней назад

@@LukesPointsandMiles just put me into 5/24 jail. 😢

@caribdude8151 11 дней назад

So you're telling me that the Citi Strata Premier is the ONLY Citi card with travel/retail and insurance protections? As the Chase counterpart of the CCC and CDC which would be the CFF and CFU would have travel/retail and insurance protections for the no annual fee?

@LukesPointsandMiles 11 дней назад

@@caribdude8151 I’m not sure I understand this question but im pretty sure I didnt say that about the strata premier and I also didn’t say they about the CFU or the CFF.

@LukesPointsandMiles 11 дней назад

@@caribdude8151 rereading your post I’m sure I didn’t say any of those things haha

@CesarJoel 12 дней назад

This was a very good and entertaining video Uncle Luke! I’m in the family travel category but, no luck with the Venture X😂 Keep up the great work mi hermano!🫵

@LukesPointsandMiles 12 дней назад

Thank you sir. I’m in the family category but I guess I have all of them! Haha I’m sure one day that number will get lower