My problem is I forget to use the rewards I have. I need a chart to know what to buy with want card. 😂
@Ckawauchi35
8 ай бұрын
I claim the cash-back rewards once they get to $50 or $100. Get a CC that doesn't charge annual fees. Pay for your CC bills every month to avoid interest charges and reap free money.
@alexiskashner8113
4 ай бұрын
i keep a spreadsheet with what cards have what rewards lmao. it’s gotten so much easier now that all the cards i use have apps!
@ki_mkt
3 ай бұрын
something I do with my rewards is, when I redeem them towards the statement balance, I put that much from my account into savings or investing
@commanderwaddles3483
Жыл бұрын
How do you calculate wether the benefits if cards with annual fees are worth it for your particular budget/salary/lifestyle?
@TamagoHead
Жыл бұрын
I have 10+ cards. No annual fee. I only carry 6 due to the different points & my wallet size. My Costco & Amazon require membership, so I guess that’s a fee (well worth though). I zero the balances to avoid interest. & don’t carry a debit card. Frank Abignail (of catch me if you can movie game) did a TED talk similar to Vivian’s piggybacking your kids on your credit, & he advises against debit cards. In the event of fraud, YOUR debit card assets may be lost forever or tied up. With credit cards, it’s THEIR money & they have dedicated fraud departments.
@xxkarlosxxxxxx7233
Жыл бұрын
@@TamagoHeadbut people open savings and checking accounts that they deposit their bi weekly checks into... Wym debit cards aren't gud, its ur money that needs to be spend and most do it on debit because u don't have to worry about paying one bill w a credit and then paying the credit bill w ur debit ... Credits cards should be used only every so often
@KnickKnackPatty
4 ай бұрын
Cost benefit analysis! I look at how much I spend a year and what that would translate into point, if I would spend those kinds of points (so usually for brands I actually regularly use even without the points), and if that value is more than the annual fee
@crazy4beatles
3 ай бұрын
@@scottb_02so you pay $395 to get $300 worth of travel. I get there’s other benefits but if you didn’t have that annual fee, you’d have $395 in your pocket and could use $300 of that to use for travel. I don’t see travel credits as “paying” for the annual fee, because at the end of the day it’s money out of your pocket. Now if all totaled you would have say spend $900, $300 in travel, $300 in Uber rides, $300 in airport meals/lounge access, then sure. You’re getting $505 worth of rewards for free. But ONLY if you would have otherwise spent money on that 😅
@b.williams7818
Жыл бұрын
My credit was messed up before I was 18 because my social security number was used to open many cards and more as a child, with that I am extra protective of my kids, I am so writing these tips down for my children, thank you
@ki_mkt
3 ай бұрын
easy way to work into it is get a secured card, raise the limit, use it properly, and wait. wait some years for all those old accounts to fade away. They'll made the secured card into a credit card in 6-8 months and just hold it for the longevity more than the perks. Took me several years to get rid of some account that said I owed them but they couldn't prove it, and they somehow reinstated the collections. Finally got rid of it showing the original supposed charge was 9-10 yrs old. Most States have a 6yr statute now.
@StarlahMutiny
Жыл бұрын
i loveee my chase unlimited card!
@zo62
7 ай бұрын
I use the chase unlimited and cut preferred years ago as I didn’t see the need to pay the fee
@Ponyopup
Жыл бұрын
Your hair looks so pretty with the loose-ish braids
@melanieoliver8381
2 ай бұрын
Love the Amex platinum! Besides travel, the additional warranty on purchases is amazing! We’ve had to use that before!
@user-qx2ml4qy6y
11 ай бұрын
Bilt, Platinum, venture x, and Savorone (free). Prefect coverage for almost all the major airlines. Bilt for dining, traveling, and utilities, Plat for flights, savor for groceries and venture for everything else.
@Dr.JSneurosurg
Жыл бұрын
The platinum is really only useful if you travel a ton otherwise the gold card is much better.
@leilahannon6667
3 ай бұрын
I have the chase freedom unlimited too and I love it! I used to have similar ones to the amex and sapphire when I was younger but just don't travel or dine out as much now as a solo parent so doesn't make sense. My 2nd card is the Amazon cc bc thats the primary way I shop for everything (clothes, food, toys, etc) and the rewards have been great!
@latinmagico1
Жыл бұрын
❤ love your content. Always very informative. love you!!!
@MrDavs1985
Жыл бұрын
This is solid advice
@youtubelw7092
4 ай бұрын
Subscribed to both. This podcast is rel 💎 💎 💎
@maryandersondearing3053
Жыл бұрын
The Freedom. I don’t carry a balance. I use it to pay for everything from utilities to groceries for that cash back on all of it.
@reinacramer8655
9 ай бұрын
Reserve gives primary insurance when renting a car. Eliminates the extra insurance protection costs
@jeffreywilliams9220
Жыл бұрын
Dope stack ❤ let’s get it
@Labrli
Жыл бұрын
These three are the primary ones we use as well! A lot of rewards and perks.
@livelife1899
9 ай бұрын
Can you share if you’ll open up more credit cards for your wedding expenses? Would love a wedding series update!! ❤
@cengizdayioglu5756
Жыл бұрын
Over a $1000 in fees... No thank you.
@zuhawk15
Жыл бұрын
It’s for the year and if you travel a lot and dine out a lot these cards have a lot points for hotel and car rental.
@myheart3972
Жыл бұрын
Love your content and your smile!
@RaulGarcia-ki8jr
Жыл бұрын
I truly didn't know that Thank You so much SO VERY HELPFUL
@kategranville2745
Жыл бұрын
I also feel like I remember AmEx had product protection and rental car insurance
@cthurston6589
Жыл бұрын
Thanks you gorgeous bff you! 💜💜💜You are so helpful and I appreciate you 🤗🌺🌸🌼💐
@bobbiefrank5043
Жыл бұрын
I had the Chase freedom I absolutely loved it. Got behind on my bills and it went into collections wish I could get it back
@funnyvidstoday101
Жыл бұрын
she right, points and rewards are the best plus it's on borrowed money and write off the interest if it a business expense
@fishflakes101
3 ай бұрын
Big fan of the Amex cash preferred. 6% back at grocery stores and 3% back at gas stations. $150 annual fee. Quick way to rack up cash back.
@dr.rockproductions191
5 ай бұрын
Working on it, thank you...🎉
@unclebobo9456
Жыл бұрын
Great. Working to get my credit to that status. Thanks.
@CliffClover
Жыл бұрын
Your hair looks beautiful.
@shinyanovikov2502
Жыл бұрын
I am Canadian. In Canada the Amex Marriott card has the highest return on spend for general purchases, 2.9%. I am a student and I actually have it.
@butterflysmile348
Жыл бұрын
I have none of those cards. I hate Chase bank. They were overcharging African Americans on their mortgage loans several years ago. I have Capital One and my bank credit card where I earn points and cash back. Thanks for your video, my Rich BFF!!
@diotitus
Жыл бұрын
Omg lmao what proof do you have on that?!
@bronzedrage
Жыл бұрын
@@diotitusGoogle.
@lukedermott1589
Жыл бұрын
@@diotitus it was in the news. You know, that thing where journalists report to other people what’s going on in the world.
@diotitus
Жыл бұрын
@@lukedermott1589 The news isn't always the most reliable source. How about instead of spouting insults like a 4-year-old, you can provide actual evidence on the claim R Jr. has made here?
@kettanistar
Жыл бұрын
No Chase for me either because they deducted my car payment out twice and, asked me to provide proof for what they could see in their own system?! Visiting the branch finally got it handle. A week later my car payment was due again. Instead of direct transfer they sent me a check so I checked out of Chase. Now this fact of discrimination I did not know.
@random3263827
Жыл бұрын
Hotel worker here: a job hack I use when deciding rooms for incoming guests is if they have a metal credit card, I quietly move them to a higher floor. I do this because our higher floors are generally quieter and since they have a metal cc, I know they aren't likely to cause issues in the room...but if they do, they can cover it.😅
@alwayspushforward
Жыл бұрын
Smh..this is actually sad 😔 and discriminatory. You act like hotel repairs come out of your check
@alwayspushforward
Жыл бұрын
This proves your mindset is faaaar off. kzitem.info/news/bejne/oo6v4HiusYODhnY
@Legoluke197
Жыл бұрын
I’ve seen some hotels try and do this to us but we usually request a ground floor room. Kiddo with Autism that needs to get his zoomies out without waking people below us.
@seadragon1456
Жыл бұрын
Imagine being treated poorly all because you DONT carry a metal CC. Daaaaaaamn.
@adaywithaleks6556
Жыл бұрын
Lol
@05jorgeruiz
2 ай бұрын
Great advise !!! And beautiful hair style looking cute 😊 yet looking cool 😎 to !!! Have a good day !!!
@TheSam6141
Жыл бұрын
Thanks for your amazing money advice
@listen-learn-speak2465
4 ай бұрын
Best cards for me American Airlines & Triple A
@sharonhoang
Жыл бұрын
American express is my go to card.
@rosaleesantamaria7673
Жыл бұрын
How does Chase Sapphire get you free Global Entry when that program is run by US Customs and Border Protection and requires in their words 'a rigorous background check'? Also processing times can be quite lengthy. Did you mean to say Chase pays the fees for the Global Entry application?
@galegondrezick
Жыл бұрын
Is this still your setup for 2023?
@xiasucks
Жыл бұрын
Great cards, have you considered getting the Chase Freedom Flex to finish up the Chase trifecta? It has no annual fee and boosts points earning potential.
@aufache
Жыл бұрын
I think you can only choose one on each tier such as 1 from the freedom. 1 from the sapohire
@xiasucks
Жыл бұрын
@@aufache You could only have 1 Sapphire, but the amazing thing is you could have a freedom unlimited and a freedom flex! Look up the Chase Trifecta it is great.
@longtimelo
Жыл бұрын
Cap One - I get 2% cash back which is huge.
@SJNYC
Жыл бұрын
Quality information 👌
@1c3sly13
Жыл бұрын
I've been with Chase for years for check & sav but don't have their cc's. I have a Capital One cash back card that I use for everything, but I'm considering getting the Chase now. I've been putting it off because I'm waiting for my car to be built and I don't want to run my credit too many times.
@larryivey8118
10 ай бұрын
Could add a Freedom Flex to your Chase cards for the 5X on rotating categories to transfer to your Sapphire Reserve
@raymi9436
Жыл бұрын
I also have the chase unlimited card. I will now consider getting the other two Because you have them LOL! I do have the capital one silver Those are the only two I have Thanks for the video.
@jack17393506
Жыл бұрын
Don’t do it. Venture X is likely a better value for you. 300 dollar travel credit through portal (they price match) and 10k points annually.
@MagneticUnicornVlogs
Жыл бұрын
Love Amex cards!!
@IMKFIT
Жыл бұрын
The Amex lounge at airports are relaxing
@murphyleigh6319
Жыл бұрын
I have three different Mastercards because my favorite airline switched to Mastercard right before I got their branded credit card, and I applied for a third card on a whim, assuming I'd be rejected, but I was accepted, so, like...at least my credit utilization rate will improve, since I have 33% more credit than I did two weeks ago...
@wonkafit
3 ай бұрын
Those are the cards I have yay! Plus the capital one venture x
@RoseyRose20
Жыл бұрын
Do you think getting the Extra Debit Card (debit that builds credit) would be better than, worse than, or the same as getting a credit card.
@DontTakeItPersonall
Жыл бұрын
I downgraded to Amex gold from platinum since I retired. I do have the chase freedom & a cap one union card, since I was in a union before I retired.
@imastudd
Жыл бұрын
Vivian, your disposition in this video is so much better. I enjoy your content but your tiktok voice is hard to listen to (as it is with most creators and I understand why it’s done), but if your content was packaged like this more often, 💯
@lisavaliton1786
Жыл бұрын
How can one find out all the benefits that they get for using their card? I have an Amazon signature rewards card and I was wondering because I am going out of the country traveling. How do I find out my travel benefits or if they even have any?
@Karpras
3 ай бұрын
Amex Platinum is $695 per year. Chase Sapphire Reserve is $550 per year… how are they the same fee, when the difference is $145?!
@shizzlenizzle
3 ай бұрын
Exactly. Thanks for clarifying.
@Karpras
3 ай бұрын
@@shizzlenizzle You’re welcome :)
@JP-wn4jn
Жыл бұрын
I love your videos
@florenceayek
11 ай бұрын
Thank you,!
@christiel4302
Жыл бұрын
Great info thankss
@remiquinzel1584
Жыл бұрын
Which cards do you recommend for UK?
@dantetabaku2878
Жыл бұрын
Hey BFF, i have the amex gold which gives you 4% back on groceries and dining! Since the gold and platinum points go in one place i only use my platinum for travel :) What do you think about this?
@mauricepatterson9558
6 ай бұрын
Very smart and cute.
@jenmar9428
2 ай бұрын
I really hope he does something regarding the corruption if he wins. 😩 The locals are kind but due to extreme low wages, the corruption is ramping. And it seems that it is only getting worse. The taxi maf!ia in Indonesia is horrendous. My husband and I landed at the Lombok airport last month. A military officer was coaching the taxi maf!a to harass us and scam us. This also happened in Bali. Taxi app drivers are being beaten and harassed by the taxi maf!a. Travelers who choose to use taxi apps are also being harassed, intimidated and extorted.
@moviegirl1965
Жыл бұрын
Plus with Amex platinum you don't get charged foreign fees. Not sure about the others.
@katherineordonez2593
Жыл бұрын
What credit card would you recommend for college students or those getting one for the first time?
@aufache
Жыл бұрын
Chase freedom is tier 1 👍. Takes time / years of payment history to get to higher tiers. But freedom will build your credit along the way for $0/year fees. Its great :) just try to make sure you can hit that sign up bonus in 3 months :D
@TamagoHead
Жыл бұрын
No annual fee & rewards that fit your purchasing tendencies. It’s a substitute for cash, and a predatory loan if you don’t clear the balances every month.
@tsaunders4684
Жыл бұрын
@@TamagoHeadKinda right, but all my new Credit cards have 0% Apr for a min of 12 months and sometimes 15-18 months. Worst case scenario you can do a balance transfer for 3% fee and have a whole another year to pay it off if you need that kinda time. I've been using credit cards since 2010 and have never paid any Interest
@dianeridley9804
Жыл бұрын
Get an Amex green card and learn how to pay off your charges in full each month. You'll be a credit card deadbeat, but your disciplined spending will pay off handsomely in the long run.
@omotayosatuyi252
Жыл бұрын
Ohh same I’m a college Freshman and have been bugging my mom to get me one for the longest time
@Bsweetie29
Жыл бұрын
What do you recommend for credit card debt consolidation?
@JodyMay05
Жыл бұрын
I have amex platinum Love it
@scottb_02
10 ай бұрын
Forget that platinum coupon card! Venture X
@wanderingfattie
10 ай бұрын
Platinum is now $695 + another $150 if you have another user …. Since their Marriott status was degraded a few years ago and I get most of the same perks from CSR, I finally downgraded the platinum to the green card this year. The metal heft of the card is the only thing I miss. 😂
@thomasmoore9421
Жыл бұрын
I have an Amex cash magnet credit card & an airline cc. I can't justify an amex charge card. If I could I'd stick with the green or gold 🤷♂️
@BigDemocracyEnergy
11 ай бұрын
When you make a lot of money you have very little time… I don’t wanna spend all my free time trying to add a up points and get free stuff and blah blah blah and here’s the other thing -if you have so much money -why do you really need to worry about saving money on flights or dinner etc. just freaking live and spend the money you have and be grateful that you have it.
@xOmniCloudx
Жыл бұрын
Shocked you didn't mention the card synergy systems, namely the popular Chase and AmEx trifectas and quadfectas.
@carinrichardson
Жыл бұрын
What is that?
@HighMaintenanceMinimalist
Жыл бұрын
I just got a Capital One Venture X card and I'm loving it so far. I can't wait to travel with it.
@gettingthatlove419
Жыл бұрын
So I’ve always been told you should keep your card usage (and thus, point accumulation) on one card. So if you’re splitting the travel rewards between Amex and Chase isn’t that less advantageous? 50k points on one vs 50k points on another isn’t as useful as 100k all on one right? Or no? I don’t know lol
@blackeyedsusan727
Жыл бұрын
The whole point of getting a card is growing your credit, not getting bonus points. With multiple cards, you grow your available credit as long as you use them responsibly. And, as described here, some cards are better than others at different things.
@gettingthatlove419
Жыл бұрын
@@blackeyedsusan727 wait what? The whole point of credit cards is not to grow your credit. I have excellent credit I don’t need to grow it anymore. Now I just want to strategize to get the most back from these credit card companies. Ergo my question.
@eavon1128
Жыл бұрын
Great vid!!!
@sonosoley3506
10 ай бұрын
Need in detail on amex platinum and how to use it for breakfast and all
@derrickwatkins2431
Жыл бұрын
thankz for the info..
@Angeline33540
Жыл бұрын
I want to get rid of some of my credit cards that don't have any benefits for me, but don't want to drop my credit score. What's your take on closing credit card without benefits?
@DontTakeItPersonall
Жыл бұрын
I'm an ex-credit card customer service rep, I would suggest paying off the cards you don't want to use, BUT DO NOT close the card. If you have the option to FREEZE/LOCK your card via your account, do so. What will happen is your score will go up because you will have REDUCED your income to debt ratio, because you will be UNDER to 30% usage of your COMBINED credit lines. Don't apply for any cards. However, do OPEN a savings account thru Amex, & deposit a small amount on a biweekly basis. After which, you may be able to be "granted" an opportunity to apply for an Amex card. HTH!
@Gemini302001
Жыл бұрын
In my personal experience if you don’t use the card after a certain amount of time the account becomes idle and the companies will close it on their own. Your credit score won’t decline because they are closing the account.
@amf2721
Жыл бұрын
What’s a good card for balance transfers ?
@FZAChannel
Жыл бұрын
What do you think about the capital venture card?
@jasminewatlington5763
Жыл бұрын
Can you do a video disscussing your opinion on the student discover card
@StayReady617
3 ай бұрын
You think you’re getting all those perks for free, but the annual fee you pay to just have the cards takes all of that away…
@c.p.c.9956
Жыл бұрын
I have Amex Gold Card - not on your level yet! But I love it 😊
@bb55555555
2 ай бұрын
I respectfully disagree on the chase sapphire and the amex. you have to book travel through their network. that way you don't know exactly how much you are really paying for that flight. I stick with airline or hotel branded cards.
@ljb6343
Жыл бұрын
I have the first two but only the Amex gold working on it❤🤓
@amyk3020
Жыл бұрын
Great info question what do you recommend for a checking account that is not affiliated with one of the major Banks. I would like to take my account from one of the big players and put it with maybe Discover? Your thoughts please
@lindad5821
Жыл бұрын
Go to a credit union.
@Swisshustler89
Жыл бұрын
Il tell you what I think. You got a lot of money cause if you ever get tired of paying for that Chase card there's no way out. You will lose all your credit history and your score will drop.
@rosapatino7825
10 ай бұрын
We have the chase sapphire now. Annual fee is only $95 dollars and o feel that if you are smart about how you use this t you can we that and more back in rewards.
@sweetsadie7182
Жыл бұрын
My Rich BFF. Love my AMEX PLAT.
@maryannebryce5210
Жыл бұрын
The freedom was my first. I’ve thought about the venture card?
@lisettecampos9988
3 ай бұрын
are you not gonna mention the amex platinum annual fee 😂😂😂😂
@garialmarsh6721
Жыл бұрын
I would like to sign up for next financial smarts
@rosemariewhitehead6662
Жыл бұрын
how do i get a basic amex to build up my credit?
@tsaunders4684
Жыл бұрын
I have the Chase Freedom Unlimited Card.
@angelmyers869
Жыл бұрын
I have the Freedom Unlimited, Sapphire Preferred and a Delta Amex Reserve......
@youtubekeepscensoringme3357
10 ай бұрын
Screw credit cards, Cash is King!!!
@all4onejerzyd.344
Жыл бұрын
What's going on Vivian, I had a question I don't know if your answer back but I was just wondering besides making KZitem videos would you do great and it's great passive income and you're great at it what other job do you have is a full-time like or part-time you said you were on Wall Street what do you do right now besides KZitem?
@WanderlustandTasteBuds
Жыл бұрын
I don’t have any of these but I have Bank of America debit card I stoped using CC. This debit card they charge me $5 every month and I’m trying to look into new bank which doesn’t charge any? Any idea? TIA!
@ceejae2349
Жыл бұрын
Pity the Amex issued in Australia doesn’t have the same perks as the USA one
@YazminM2222
Жыл бұрын
❤❤
@angelosbouras9618
Жыл бұрын
Why don’t you have the golden AMEX too? Isn’t one for redemption and the other one for collecting the points?
@paolalaverde4112
4 ай бұрын
Are you receiving any money from Chase & AmEx to promote their cards?
@alexsantana5849
Жыл бұрын
Could I do a transfer balance from my Bank of America cards to chase? I’m considering leaving B of A
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