🎥 To see more Q&A’s, watch this playlist next: spencerjohnsonofficial.com/askmeanything
@sheilaa1333
4 ай бұрын
IHG properties may not be the most aspirational but the 4th might free is huge - especially when you have kids and now need two rooms in Europe. Combined with buying points when they have promos you don’t even need to spend on the card to make it worthwhile.
@SpencerJohnsonOfficial
4 ай бұрын
Agreed!
@jimkwock324
4 ай бұрын
Here would be my 5 card set up to maximize to maximize hotel benefits 1. AMEX Bonvoy Brilliant to get Platinum Elite and an 85k FNA. Spend on Marriott stays to generate points at 21X. 2. AMEX Hilton Aspire to get FNC, Diamond Status and 2nd FNC at $30k spend. 3rd FNC at $60k spend 3. Hyatt Business card. Spend to achieve Globalist. Get 10% rebate up to 200,000 after $50k spend. 4. Bilt card to generate points to transfer to Hyatt. Rent at 1X. Rent day double bonus for Dining 6X, Insurance, Health Ins. 5. Chase Sapphire Reserve. 10X for hotel purchases not Hilton, Hyatt or Marriott.
@SpencerJohnsonOfficial
4 ай бұрын
With enough spend, that setup would be sweet!! I like where your head is at!
@td4812
2 ай бұрын
You should get 4 aspires, get 4 FNC, flight credits to get there, food credits to eat. $2200
@shawn.credit
4 ай бұрын
The Marriott Bonvoy Brilliant doesn’t make sense for my spend at hotels currently, I upgraded my Hilton Honors to the Hilton Surpass for some added travel value next to the Amex Platinum. The Bonvoy Brilliant has tons of value if it makes sense for your wallet, the Ritz-Carlton it probably the most valuable of most travel cards with it’s AF to Value!
@LK_EBM
4 ай бұрын
Just curious, but what added value does the Surpass give you? You get Hilton Gold with the Amex Platinum
@shawn.credit
4 ай бұрын
@@LK_EBMBuild Hilton points quickly and if you use your Hilton Surpass at Hilton it’s 12x, 6x food, 6x on gas, 4x online shopping, 3x everything else. It’s a solid addition to the Amex Platinum for spend the Amex Platinum grabs 1x with.
@SpencerJohnsonOfficial
4 ай бұрын
I feel that! We'll see how my thoughts on these cards change over time, especially considering my spend/preferences will continue to evolve. Thanks for being here so early btw! 🥉
@nicolellroza
3 ай бұрын
hi spencer, i’ve been watching your videos for over a year now, but nvr commented till now. ive learned so many tips and tricks from you and i just wanna say i rlly appreciate your continuous hard work!
@CardHunter-u2t
4 ай бұрын
I just applied and was approved for the Hilton Honors card through Amex yesterday for the bonus points and free night. Did I mess up applying too early, or should I have waited? Love you work btw. Bravo!
@ericknguyen0617
4 ай бұрын
If this is your first Hilton card and you got the FNA intro offer, then you made the best decision in applying. Congratulations!
@SpencerJohnsonOfficial
4 ай бұрын
Let's go! Congrats on your approval! To maximize Hilton card welcome offers, you went about it exactly as you should. And the offer on it is solid right now, so I'd say it was a great decision!
@JuanGarcia-hr1wf
4 ай бұрын
Nice video Spencer. I understand the strategy if you’re looking to maximize Marriott Elite status. IMO while Marriott has best properties, elite status recognition is inconsistent. I have the Ritz Card really for lounge access with unlimited guests, travel protections to go along with my CSR. Personally it’s Hilton for the win 🏆 with Hyatt as secondary option and Marriott as tertiary option.
@Excalibur_86
4 ай бұрын
Hyatt needs a higher tier card offering higher status, more credit and perks.
@SpencerJohnsonOfficial
4 ай бұрын
Thank you Juan! In reality, over time I plan on testing out all the different hotel statuses and seeing what I like the most, but for now I'll stick with the Marriott strategy. If I had enough paid stays, I'd go with Hyatt most likely. Glad to hear you like Hilton so much though!
@jimmyjames6492
4 ай бұрын
Hilton. For the Stay. Thanks for the info + video!
@SpencerJohnsonOfficial
4 ай бұрын
Fair enough!! Thanks for being here as always man!
@williamfeliciano6003
4 ай бұрын
You should do a video on your road map of where your going to travel this year
@SpencerJohnsonOfficial
4 ай бұрын
Great idea!!
@_iErik
4 ай бұрын
More people should be discussing ROI vs. CPP. That MacBook Pro is a way more valuable redemption for most people than a lie-flat business class flight to the Maldives.
@SpencerJohnsonOfficial
4 ай бұрын
Agreed!!
@JRham9163
4 ай бұрын
Thanks for answering a lot of my questions that I had.
@SpencerJohnsonOfficial
4 ай бұрын
Of course! Thanks for asking great questions!
@gonzalorojo6815
3 ай бұрын
You're correct on Hilton easy to get status butt one thing to consider is other countries outside of the USA don't have access
@HowToCredit
4 ай бұрын
100% agree regarding Hyatt! Super informal 🤙🏻
@SpencerJohnsonOfficial
4 ай бұрын
I'm glad you enjoyed it!
@uhmerrykan
9 күн бұрын
Hey Spencer, Can you upgrade the Bold to the Ritz card? I've read conflicting dps on this. Some say you can, whilst others say you can't. Others again say if you can't, upgrade to Boundless and two days later upgrade to the Ritz Carlron.
@Ritchie_The_CEO
4 ай бұрын
Did someone say free nights???
@SpencerJohnsonOfficial
4 ай бұрын
Hahah thanks for being here so early brotha 🥈
@jmcmonster
4 ай бұрын
As somebody that earns status the “hard way” via actual stays every year, I would prefer complimentary status from cards be capped. Hilton ruined diamond with their top card and Marriott has always been bad with upgrades (even with me being Lifetime Titanium). Exceptions being outside the US. This is the main reason I moved to Hyatt. Upgraded over 90% of the time with Globalist. Please don’t inflate the populations of elites. Their card also works fine for those that actually stay at the hotel. I wouldn’t mind seeing a higher tier version, but don’t change what status is given. More earning and more powerful FNCs would be good enough. Even then, it’s not that crucial. More earning could also inflate the rewards chart.
@IceIcelce
4 ай бұрын
Hyatt’s CEO even recognized the relative “exclusivity” of their hotel program and that people tend to spend more with Hyatt. The problem is - Hyatt is probably looking at leisure travellers paying to stay at higher end Marriott and Hilton properties and they’re thinking how can we convert those customers to Hyatt? I think the 100K base points to globalist is a pretty good carrot for their highest leisure spenders but I suspect management wants an easier way to convert these customers. For credit card enthusiasts it’s easy. Just spend some money on your WoH cards but I suspect this isn’t something a lot of people do outside the points and miles community.
@iGimmie
4 ай бұрын
I understand where you're coming from. That's why I know if worse comes to worse, I like how Marriott gives elite nights with their cards to make getting status easier. For me that's honestly enough for me to play the game but since there are cards that just straight up give you straight up Diamond, there's no reason to play. Just get the card and call it a day. 😂
@SpencerJohnsonOfficial
4 ай бұрын
I completely get where you're coming from! If I had enough paid stays, Hyatt would be the top of my list to get status with since they're still one of those that respect the people that ACTUALLY stay the nights they're supposed to for status. Thanks for sharing your thoughts!
@rizzyian808
Ай бұрын
is it worth getting Marriott Bonvoy Bold (not get sub bc I just got Marriot Biz AMEX), wait one year to upgrade to Ritz? Kind of don't want to wait two years, get sub, and then wait another one year to upgrade. Let me know how you feel Spencer, thank you!
@SpartanOfFinance
4 ай бұрын
Are you not entertained?? Why yes I was.
@SpencerJohnsonOfficial
4 ай бұрын
Hahah I love it
@TheUsflow
3 ай бұрын
Are you really going to wait until Dec 2025 to PC your Boundless to the Ritz, to be eligible for the SUB on the Brilliant in around Nov or early Dec 2025? Once I figured this out, I abandoned Stan's Luxury strategy. Also not sure of the hassle of using multiple FNC's for one stay. Do you have to call the front desk to combine? Will they make you check out and check back in?
@billwright2176
4 ай бұрын
I agree about Hyatt. I don't see getting it except as a end game. Almost same using a csr 8 vs 9. Status isn't enough of a incentive.. I wanted the hilton Business to support my #2. But now I don't see it. If you already have a Aspire the business dosnt add. The hilton Business AF your positive only $45 with quarterly credits. If you just spent the af cost of the business $200 on the Aspire without the quarterly use hassle you would earn $34 at Aspire level use in points. So the hilton Business with credits adds only $11 in value if used 4 times during the year vs normal anytime Aspire use .. if you already have a Hilton personal the business will now not support having it. Argument against the x5 on the business if you had alot of this type of spend the Surpass would be better earning the 15k FNC.. Smart on waiting on the platinum. I think its a card that isnt ment for most people . I dont see it for myself either
@SpencerJohnsonOfficial
4 ай бұрын
Thanks so much for sharing your thoughts Bill! I agree with a lot of your takes here. Great minds think alike! 😆
@Mosarezaiee
2 ай бұрын
Good job ❤
@1990Ravens
3 ай бұрын
What’s your favorite airline and airline rewards program?
@itsofficialj
4 ай бұрын
A benefit I would want for credit cards is mortgage payments for people who own their homes .
@SpencerJohnsonOfficial
4 ай бұрын
Absolutely! Bilt should be doing that for us soon I hope!
@sunnykgaming2541
2 ай бұрын
what does fnc mean ?
@dakio3
2 ай бұрын
Free night certificate
@Faithful_Solaire
4 ай бұрын
What is MS? The “MS side of things”?
@woodzy883
4 ай бұрын
Manufactured Spending. Think buying gift cards with CIP at staples or cards at a grocery with amex gold card. It used to be worse with buying wire transfers to funnel the spending back in your bonk. Now, it's generally used to purchase something from somewhere that doesn't have an elavated spending catagory. Think electronics or appliances. There was a video by another tuber that kinda showcases this posted recently
@Faithful_Solaire
4 ай бұрын
@@woodzy883 thanks, I appreciate it
@SpencerJohnsonOfficial
4 ай бұрын
Looks like Woodzy answered it perfectly! True MS has to do with creating fake purchases basically. So think of buying gift cards with a credit card and then paying off the credit card balance with liquidated funds from said gift card. Definitely something that credit card companies have cracked down on like crazy.
@ab3040
4 ай бұрын
Jeez what did Capital One do to hurt you😂 Personally I think they will raise the AF but their partners aren't great, so it will actually improve not decline overall in the future Edit: also worse multipliers than the competition
@SpencerJohnsonOfficial
4 ай бұрын
Capital One has been nothing but good to me! They just seem to be trending in a negative direction with the changes they're making to the VX.
@ab3040
4 ай бұрын
@@SpencerJohnsonOfficial can you do a short or update video on it? Cause I really am curious why Cause in my mind there's 3 nerfs 1) $300 statement credit moved to POS credit 2) PP restaurants/spas 3) Hertz Presidents Circle expiring soon Which mostly just brings it in line with CSR and Platinum which are both more expensive and harder to get value from. And there's no guarantee Presidents circle is leaving or it's possible it gets 5 star status instead. And honestly, I think they'll improve transfer partners in the future. Maybe start a partnership with AA since they clearly don't like Citi.
@SOXGATORS
4 ай бұрын
😊
@SpencerJohnsonOfficial
4 ай бұрын
The champ! 👑
@Adiscretefirm
4 ай бұрын
Possible categories: car repairs, healthcare
@SpencerJohnsonOfficial
4 ай бұрын
Absolutely!
@SC_XOLOs
3 ай бұрын
How often do you get car repairs? Even an oil change is twice a year. $60-100 depending on the vehicle.
@Adiscretefirm
3 ай бұрын
@@SC_XOLOs when you drive paid off cars they happen occasionally and can be a big charge. Or you can spend on maintenance more frequently
@JKnKC
4 ай бұрын
I'm pretty early in my credit journey. I have the Chase Trifecta with an Amazon Prime Card all through chase. I'm thinking about getting a Southwest card or a Hyatt card, because those are the transfer partners I use the most and allow me to travel with my family more. Also seems those two travel partners allow my points to go farther. Do you think this is a good idea or should I try opening other company cards and move away from Chase?
@SpencerJohnsonOfficial
4 ай бұрын
I always recommend getting cards in ecosystems with transfer partners you like which is why I like Chase so much. You could definitely go the SW and Hyatt card route if you'd like, but remember that since they're transfer partners of Chase, you don't NEED their cards to book free trips with them. You could always get more Chase UR point earning cards (like the Ink cards) and transfer those points to SW or Hyatt. But if you don't want to go that route, getting their cards directly could be a good move.
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