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In this video, we’re going to look at the 5 best credit cards to consider for people new to the credit card game.
For a lot of you, this probably leans towards cash back since it’s easy to understand. If you want to bonus hunt — so those $200 for $500 spend type offers — or if you’re travel focused and want to do cool trips then that’s also a bit different as well.
Also, just because we’re talking about 5 cards doesn’t mean you need to get all 5. A lot of people might pick one and then build the relevant system around that card.
#CitiCustomCash #ChaseFreedomFlex
Timeline
0:00 Start Here
0:48 Credit Card #1
3:34 Credit Card #2
6:41 Credit Card #3
8:44 Credit Card #4
10:32 Credit Card #5
12:28 Honorable Mentions
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37 comments
Citi Custom Cash Review: https://www.asksebby.com/credit-cards/citi-custom-custom-cash
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PayPal MasterCard works great for me. No problems
I love cash back 😎
If I have the Citi Double cash back could I upgrade it to the Citi Custom Cashback? If I can, would I just miss out on the sign up bonus?
What if I get the Citi Custom Cash and only decide to use it to purchase gas, will I still receive the 5% on that spend?
Ty I’m 24 on the road to building credit
Just got approved for the cap. 1 savor card with a $5000 limit. Not bad for my 2nd card. (Started with the secured discover it card). Any advice for my next step/card?? Great video sebby!!!
Discover Secured to Discover Chrome TO THE MOON!
What about Discover cash back card??
That sponsorship integration was smooth~
Hmmm…top 5 huh?
1. Discover IT
2. Chase Freedom Flex
3. US Bank Cash+
4. Chase Amazon Prime
5. Citi Custom Cash Card (C4)
Current quarter the IT would be on 5% fuel duty, CFF would be taking care of anything from home improvement stores @ 5x, plus dining and pharmacy purchases @ 3x, and my cell phone plan (only 1x but great insurance), Cash+ would be getting me 5% back on home utilities and Streaming/ISP fees, Amazon card getting me 5x on the majority of my online shopping, and the C4 pulling 5x grocery duty.
Next quarter the Cash+ and Amazon cards would stay the same. The IT would take over Dining at 5%, CFF would take over groceries at 5x (and still do the 3x on Pharmacies and 1x plus insurance on my cell), and the C4 would swap over to 5x on Fuel.
The addition of the C4 really does make those 5%/5x rotation/election cards even more valuable. And while the Amazon card is pretty narrowly focused, I spend a fair amount with Amazon and since it has no foreign transaction fees and passable travel protections…can be my primary traveling card when necessary. If we expanded to 7 cards I think adding the Altitude GO to this mix makes sense…and possibly the SavorOne as well (to prop up the quarters that dining and groceries aren’t one of the IT or CFF’s categories.
Hey Sebby, I saw online that Amazon was considering breaking off from Chase with the Prime Rewards card. Have you heard this also?
hey sebi, are there any cards whose cashback is in bitcoin? or would you steer clear of those?
Dang, that's some craptastic advice.. lol.. If new to credit and @ all possible, try to get a Credit Union credit card and stay away from the cash/rewards credit cards( higher interest rates).
I have all the freedom, apple, Amex, store, jewelry, etc but no discovery. The best card by far is NFCU platinum card (no annual fees an rates starting @ 5.99%) Best thing about credit union credit cards, you can switch between cards without having to do a new credit application.
Hey guys, was there a sapphire preferred 150,000 yes instead of 100k in branch, 95 fee waived, offer? i swear one of you said that? if so how do i get it?
When did the US Bank Cash+ become a beginner's card? I heard it's really hard to get. How many years of credit card history do you need to have?
US bank never approves beginners! Don't waste inquiry on that.
Can you do a video on the Carnival Credit card? I think it’s horrible but there’s so many people who are diehard card holders. I’d like to see why I’m wrong or be able to explain to them why they are.
I’m probably going to just get this card for gas only. The Sapphire preffered doesn’t consider gas as travel so would this be a good idea?
I would have added the PNC Cash Rewards Visa Credit Card. 4% gas, 3% restaurants/fast food, 2% groceries, and 1% everything else.
🥯
I just received a offer from csp. I have no cards through chase and no banking relationship. I have the credit score needed for the card and I have 0 inquiries thru Experian. Is it a good idea to apply for this card as a first chase card ?
Hi Sebby. Luv your content. Quick question about tax liens that you mentioned. I thought that creditors no longer considered tax liens as they no longer show on credit reports. Is this not the case?
What a great video
Got preapproved for the SavorOne, highest limit I’ve ever gotten. Apple Card can’t verify my identity smh. Guess I’ll wait for the citi double cash
Do Target and Wal-Mart count as department stores? Because that’s a category for some cards. I also know that Discover covers their websites seasonally.
How about the inquiry? To get approved
I have the Citi Best Buy Card can it be compared to this card?.
Could someone please explain to me exactly what the difference is between $500/month and $1500/quarter? Are we all supposed to just forget how math works?
Great video, very useful and informative content. Thanks for posting and I love the bloopers at the end.
I have already a flex, so I can get CSP and downgrade to another flex?
Surprised the Amex Cobalt wasn't mentioned. Possibly the best card for beginners
What do you think about the 2% cashback Wells Fargo card? How does it hold up against the fidelity, citi double cash and the other one?
What about baddies What can I do to get better cards can you do a video please on how to get better cards
Fundsauce !!!! Thanks for your working and hitting sauce 💯💸
Thanks for your working you🖕🖕 have make me and my family become somebody thanks for the physical card 💳💳you just delivered to me today..
Thanks for your working you🖕🖕 have make me and my family become somebody thanks for the physical card 💳💳you just delivered to me today..