Of note, food delivery services code as groceries for Chase
@serocks98
26 күн бұрын
Im sticking with amex because I live in a highly populated area so I can easily take advantage of all my credits. I also travel to see family in Hawaii every year or so and they’re currently the only partner credit card that transfers to Hawaiian Miles after BILT quietly removed them a few months ago. Great video though Max! I get why people want to cancel.
@toddyee-e6n
26 күн бұрын
Not sure if you stated, but the Capital One Venture One (no annual fee) can also transfer cents to Cap One miles. A no annual fee duo is the Venture One and Savor One. powerful for those not inclinded to pay annual fees.
@MaxMilesPoints
26 күн бұрын
@@toddyee-e6n I didn’t mention thanks for mentioning it here! Just figured most are going Venture or Venture X
@TheQuickyouknow
25 күн бұрын
The C1 duo pays for itself. Unless you never travel, it's better to pay the fee. And even if you don't travel, then you won't be exchanging cash for miles anyway.
@toddyee-e6n
25 күн бұрын
@@TheQuickyouknow Your quanttitative math is correct.
@aaronwang7002
23 күн бұрын
How do you transfer the savor one cash reward to points? I don’t see the option on the Captial one app to convert cash to point
@clam371384
22 күн бұрын
Thank you for the video! I’ve been using the Gold card for years, mainly for the 4x points on dining and groceries, while relying on Capital One for 2x on everything else. The recent fee increase on the Gold card isn’t great, so I appreciate you offering an alternative. I’ll definitely be switching to the Savor card. Thanks again!
@matteog535
25 күн бұрын
I just renewed the gold for $250, so I will use it an other year for sure! Having the Cap Venture X Im still planning to apply to the SavorOne and then revaluate in 12 months
@gilbertnicholas1582
26 күн бұрын
My Savor One is en route It was good while it lasted with the AmEx Gold
@jvirtus1523
26 күн бұрын
I went from 2 years platinum, down to 1 year gold, down to green. Perks weren't useful to me and spending more for a annual fee aint it.
@MaxMilesPoints
26 күн бұрын
More in annual fees more and more coupons to use 😫 seems to be the trend Amex is going as of recent
@jvirtus1523
26 күн бұрын
@MaxMilesPoints Yea not my cup of tea especially since I don't eat out as much and I don't live in the city lol
@SPAwSPA
26 күн бұрын
Coupon book doesn’t work for me.
@hugoenriquez9318
26 күн бұрын
@@MaxMilesPointsare the green and gold exact same travel partners? I have too many amex points to just close the card out of thin air
@MaxMilesPoints
26 күн бұрын
@@hugoenriquez9318 all Amex cards that are able to transfer points gets the same transfer partners
@lebisque9194
26 күн бұрын
I don't like the new AF. They could have just kept the fee the same and the benefits. I've been getting offers to upgrade to Plat with 125K bonus points, but I have even less of a need for the Plat and its exorbitant AF. I'll be keeping the gold. My begging kids will be able to use all of these credits. My daughter used my card at a restaurant just after the upgrade and I saw the Resy credit on my statement. So not bad enough for me to cancel. We call it our food card, lol.
@clam371384
22 күн бұрын
The "food" card, that's perfect.
@saulmartinez6165
26 күн бұрын
Still going strong with the CSP as my dining card for 2 years now. I might get the Savor One to cover the groceries part of my spending. Thanks for the video!
@jsbatra
26 күн бұрын
I was fully expecting Amex to screw up my most favorite card. while very unhappy with the direction Amex is taking with their cards, these changes work in my favor without having to go too far out of my way. annoying but I still get a lot of value from this card
@Richard_Bullwinkle
25 күн бұрын
I only order groceries online. Best money saving tip ever. If your significant other browses isles and keeps throwing shit in the cart, order online!
@MaxMilesPoints
25 күн бұрын
Hahah I guess that’s a reason to grocery shop online
@clam371384
22 күн бұрын
You were totally on point. I just came back from the grocery store which I intended to get a tub of ice cream and some fruite only. Guess what? I came back with around 10 different items.
@user-wc5lw7ps6h1
25 күн бұрын
So happy I never fell for the hype and went with the Capital One duo
@fogrunr5075
25 күн бұрын
Halfway through my Gold- Platinum upgrade year. Rewards Checking & Blue Business Plus will be my points holders when I cancel the Platinum.
@Phillyangel19
21 күн бұрын
I got the Gold card for the 150k signup bonus and plan to let it go after the first year. I get more use from the platinum card through my frequent travel and use other cards for the bonus categories like gas, groceries, and office supplies.
@evanperry44
26 күн бұрын
I’ll probably keep the gold for a while and downgrade before that af hits. There wasn’t anything wrong with card before. I get they have to increase the af every so often but still frustrating.
@M-1ne
25 күн бұрын
Whole Foods delivers in cities so it’s a good 3% cash back perk with the CSP. Freedok had a 5% promotion for a year, well worth it depending on where you live
@Tony36847
26 күн бұрын
I'm on the fence and have a few months to decide whether to keep the Amex Gold but I'm happy to use one Citi custom cash for dining and another for groceries. Also Chase freedom flex also offers 3% on restaurants
@TheSeaSociety
Күн бұрын
lol I always grocery shop online 🤭
@jmaiso69
14 күн бұрын
US Bank Altitude Go Visa offers 4X points on dining and no annual fee
@caribdude8151
25 күн бұрын
Thanks! 👍
@soapa4279
26 күн бұрын
Once I get my USBAR, I'm going to be doing the CSR + USBAR duo. Stress free 1.5CPP redemptions. Not sweating about transfer partners unless there is something amazing and attainable. Also still good for Hyatt.
@airbornebackpacker6840
26 күн бұрын
I was getting ready to cancel my Gold when the AF hit, because I was in Pop up jail for the Platinum. Then Amex hit me up with an upgrade to platinum and 120k points, 2 days before I canceled. Win win
@OKZK_Bros
26 күн бұрын
Damn that’s a good offer!
@DarkCeremony
26 күн бұрын
Before update, there was no chance of Amex Gold being a keeper card. After this update, this becomes a keeper card for me. I can literally liquidate all benefits at face value.
@hyemihan
26 күн бұрын
What credit card do you currently use for grocery spend, Max?
@asideaccount393
26 күн бұрын
I have a Chase Freedom Unlimited and Sapphire Preferred. I was thinking of getting an AMEX gold/Platinum. What’s a good third card you’d recommend instead if not those? I’d like to get some points via groceries but also enjoy the privilege of airport lounges
@MaxMilesPoints
26 күн бұрын
Capital One venture X for airport lounge access and 2x on everything + capital one SavorOne for groceries 3x on groceries
@MRwheelziam
26 күн бұрын
I'm currently using the C1 Duo and Bilt card as a trifecta. Slowly transitioning to Chase. I have an Ink Cash, Freedom Flex(just activated), and CSP. If you go in branch, for a new Freedom card(Flex or Unlimited) you can ask for first year bonus on groceries. I got 5% back!
@MaxMilesPoints
26 күн бұрын
Nice! What’s the reason why you’re switching away from the capital one duo?
@MRwheelziam
26 күн бұрын
I'm newer in the miles and points game. Just trying to bank some Chase points. Girlfriend and I are looking at some Hyatt properties in Bali.
@UTubeVidWatcher
25 күн бұрын
The Amex Offers alone pay for the annual fee of the Amex Gold for me. For the alternate cards, I don't understand if someone doesn't want to pay for a card with a $325 annual fee, why would the person get a card that has a higher $395 annual fee? Not to mention the $300 credit of the Venture X has to be used in their travel website.
@ImKeeday
26 күн бұрын
If wells improved their transfer partners, now more than ever they’d sway more people to give their cards a chance.
@ginalynellsmith6218
25 күн бұрын
Good info except on the Chase card you said "who buys groceries online anyway?" But you forget not everyone is abled body nor younger than age 65 like yourself. Some of us find online groceries necessary and more convenient. Thx
@M.ark.G
26 күн бұрын
I currently only have the quicksilver card, should I upgrade to the venture card or savor one? I’m not approved for any Amex’s atm
@Tbirdshockey7
18 күн бұрын
Venture bro
@DonsFinance
24 күн бұрын
At this point there are so many better cards than the Amex gold and now that the AF is increased I see less of a reason to get it unless you’re just chasing the sign up bonus and canceling a year later
@Molinski44
25 күн бұрын
Cobalt in Canada at 5x still the GOAT.
@MaxMilesPoints
25 күн бұрын
A rare Canadian credit card win 🙌
@frozae
26 күн бұрын
Out of all the cards mentioned I’m only missing the savor one. I’ve been trying to product change my quicksilver but since it’s a visa I doubt it’s ever going to happen. Been thinking of applying for the venture with its elevated offer, cancel the gold when the AF hits, and just use the BILT for food, hoping I can product change the venture to a savor one in the future
@Th33Vultur3
26 күн бұрын
I'm going to product change my QuickSilver since its a Mastercard to a SavorOne and the SavorOne usually comes as a Mastercard, so you might be out of luck since your QS is a Visa.
@marceljohnson2215
18 күн бұрын
Capital One is with the 💩when it comes to product changing the Quick Silver. I just called and asked them a couple of weeks ago and they told me no so I just went ahead and applied for the Savor One. Finally was able to finish my verification for Bilt a couple of weeks ago also and got approved which I had no doubts about. Now going to see if I’m able to get CSP this week
@BharathReddy-o1n
26 күн бұрын
I took advantage on the retention offer for Amex gold card this January but my card renews every year in October. As the annual fee has increased, can I cancel the gold card based on this reason after the new annual fee got posted in October? Will cancellation of gold card affect my relation with Amex as it will break the terms of retention offer?
@MaxMilesPoints
26 күн бұрын
I’d personally keep the card for at least 12 months after accepting a retention offer.
@KoReAnGaMeR1
25 күн бұрын
With the AMEX gold you can actually now net positive with the offers on it vs before (when even after using all benefits, prior to the refresh, you were still $10 down the hole). honestly if you order delivery and have a five guys (shake shack was way better imo) near you or cheesecake factory its not that hard to use. I'll actually net out +15$ with the resy credit now (i mean who doesnt go to a semi decent restaraunt at least once every 6 months). This is all without needing to use the dunkin credits
@MaxMilesPoints
25 күн бұрын
Yes net positive if and only if you use the credits and take the credits a full face value. It’s like pre-paying for coupons a year in advance and having to use them every month. I’m not arguing for or against the gold card but I can see both sides of the argument and tbh the percentage of people that say they’ll cancel actually don’t cancel because they forget or it’s too much work 😆
@wnruffing
13 күн бұрын
Yes and many gold card holders believe that they will take advantage of the coupon credits but in actuality they don’t because they forget to. So instead of having an effective AF of close to $0, they end up paying a net AF much higher than $0 $150 or $200 annually).
@smaranh
26 күн бұрын
Can you make a video justifying Amex Gold despite the raise in fee?
@taiwenko6199
26 күн бұрын
Citi Custom Cash can get you 5% back in grocery or restaurant with no AF
@wnruffing
13 күн бұрын
But the Citi Custom Cash charges foreign transaction fees of 3% when using the card overseas. I live outside the U.S. for several months annually and some grocery store benefits are for U.S. grocery stores only (like Amex Gold as an example).
@Cryptid71
22 күн бұрын
How do you talk about the built card without talking about the fact that you can pay your rent with the credit card? Like every human being that rents on Earth can pay and you earn points that you can turn into miles from your largest month they expense which is your rent
@teslatalk42069
26 күн бұрын
They all threaten to cancel, but none of them do
@MaxMilesPoints
26 күн бұрын
Hahah very true when it comes to renewal time often times people forget to cancel and keep it another year 😆
@christophercfuglestad
19 күн бұрын
Thoughts on Amex BCP vs these cards?
@MaxMilesPoints
19 күн бұрын
Good card for strictly cashback and groceries. Not so much if you’re looking to earn points for travel
@rizwankingkhan18
25 күн бұрын
3:37 Citi strata premier **
@bpatterson1972
26 күн бұрын
None of these cards are available in Canada. I guess I am stuck with my Gold card.
@MaxMilesPoints
26 күн бұрын
Sowwwwieeee
@callmeNeno
26 күн бұрын
I will be canceling in September my Gold. I already canceled my Bilt card two weeks ago
@MaxMilesPoints
26 күн бұрын
Hmm what are you going to use now?
@callmeNeno
26 күн бұрын
@@MaxMilesPointsI just got my Ink Cash last week. I will be working on my signing bonus for the next 6 months and use one card setup exclusively. After, I will use my Visa Signature Card to replace the Gold card since I am a Verizon postpaid customer and FIOS
@nicveras5753
26 күн бұрын
If my only Amex card is the gold card, how would you go about canceling it? I have a fair bit of points and I don’t want to just use them with no flexibility. I don’t really want the green card either. My only thought would be to take advantage of the British airways 30% bonus right now and transfer out. Is there an option I’m not thinking of that could allow me to remain in the Amex ecosystem with no annual fee?
@MichaelPithium89
26 күн бұрын
Grab the no annual fee blue business plus card
@karengong8309
26 күн бұрын
I have the same concern, $250 was at the edge of my tolerance, no way for $325 annual fee
@MaxMilesPoints
26 күн бұрын
I agree with the comment above getting the blue business plus (if eligible for business cards) is a $0 annual fee way to go
@nicveras5753
26 күн бұрын
@@MaxMilesPointsI haven’t dove into the world of business cards yet. I don’t currently have anything that I think could be classified as business. I just looked and saw an Amex Everyday card that seems to use points at $0 annual fee rather than the Amex Blue cash everyday which earns cash back. Maybe that could be an option to open before canceling the gold. Or is that dumb?
@ccccccchhhhhh808
26 күн бұрын
Something with the premiere card, you get a $100 off $500 for hotels in their portal AND I was able to use it when I redeemed points! So it lessened the amount of points I needed to use. I was planning on cancelling the card but after that I felt it is now a keeper card.
@patrickVee8444
26 күн бұрын
Be careful with the capital one savor. I was pre-approved for the $200 bonus and 0% APR in June. When I completed the spend they later told me I was qualified for the card but not the bonuses. Immediately closed the card.
@MaxMilesPoints
26 күн бұрын
Whaaa what was the reason why you didn’t qualify for the bonus?
@patrickVee8444
26 күн бұрын
@@MaxMilesPoints nope, no explanation and I've seen in different forums this a common bait and switch tactic that capital one does.
@fwoodbridge
26 күн бұрын
People who are hell bent on canceling the Gold card are beyond me. At the very least, the RESY restaurant credit more than covers the increase in annual fees. Completely silly reason, but I wager most will end up not canceling anyway, as people just love to rattle their sabers; it's very chic to join the cynical horde. But to each their own, I guess. It's still completely illogical in my opinion.
@MaxMilesPoints
26 күн бұрын
Not everyone lives in a major city with Resy restaurants. But I agree most will complain about the AF now but forget about it when it comes to canceling or renewal time
@anhnguyenthingoc9504
26 күн бұрын
I dont use Resy too often becoz I dont eat out much. In addition, I just realize, to use Uber credit and dining out credit of Amex Gold, I have to pay out of pocket at least another 10 dollars. Now, I understand, that makes no sense just spend to save 20 dollars per month credit from amex gold. I regret letting Amex gold just becoz of its groceries 4x
@robert8311
26 күн бұрын
Not everyone use resy I live near a resy restaurant so it’s a useless credit for them Seems like a very logical reason to cancel if Dunkin and resy are something you don’t use then the credits don’t offset the annual fee without you going out of your way to use if that’s even possible
@SabrinaHClifford
26 күн бұрын
There is one Dunkin in my state. There are three unappealing and overpriced Resy restaurants in my state. I'm finishing up my first year to get the sign-up bonus, then I'm cancelling.
@user-lw1ks4km9q
26 күн бұрын
Can you just apply to the Amex Plat to keep the points then cancel the gold? Or ask them for upgrade offer?
@ginalynellsmith6218
25 күн бұрын
Good info except on the Chase card you said "who buys groceries online anyway?" But you forget not everyone is abled body nor younger than age 65 like yourself. Some of us find online groceries necessary and more convenient. Thx
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