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American Express has a soft 4 card rule. Here are strategies to consider.
Timeline
0:00 Start Here
0:49 Amex 4 Card Rule
1:40 Lending vs Non-Lending Card
4:17 Optimal Strategy
8:58 Airline Rewards
10:33 Free Night Hotel Cards
11:31 Redemption Example
13:30 Team Cash Back
16:47 Team Travel
18:00 My Strategy
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39 comments
💳 Sebby's Card Picks: https://www.asksebby.com/credit-cards
Amex Platinum Calculator: https://www.asksebby.com/credit-card-reviews/amex-platinum-card
4x business gold, 1 personal gold, 1 schwab plat to cash out
Found this out the hard way this year. I closed my Delta gold to apply for the Delta Business Reserve and I was denied due to reaching the 4 card limit. I had 5 credit cards prior to this.
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5:35 'also known as a BBC' 🤭 are you referring the venerable British Broadcasting Corporation? oh my lol
I just opened my 5th lending card last month in the BBP.
🌴🏝I’ve decided that having the Amex Charles Schwab Platinum and the Amex Gold cards are an excellent combination for me during the pandemic because I can use the Gold card to accumulate points from dining andgroceries and redeem the points for cash with Charles Schwab and invest that money during this bear market. The Platinum’s lounge access can’t be beat. However, I also like the Chase Ritz-Carlton card for primary car rental insurance and other insurance along with the best Priority Pass membership in the industry (I know it’s not Amex). The Hilton Aspire is too good not to have because it pays for itself several times over.
However, I currently have 14 credit cards and will soon have another.
BTW, I eschew all of the credit card travel portals as a general principle which is why the Chase Sapphire Reserve and the premium Capital One cards don’t appeal to me.
🏖 This video actually came at the perfect time, since I just got approved for the Hilton No AF card. Now I have something to shoot towards as far as setups.
🏖 1. Amex Everyday Preferred (@asksebby why didnt you mentioned this one during your video?)2. Amex Gold 3. Amex Platinum
Not sure what my 4th would be. Currently, research that since I have a big spend coming up and could use it towards meeting a spend bonus.
🏖….. not sure what I would build out as I started with a cf/cfu by accident not knowing any better. I also have the chase signature Amazon prime, and now an Amex gold. Been thinking about adding platinum but the csr is also calling my name
My AMEX Setup is kind of oddball. Pers Plat, 2x Gold, Bonvoy Pers and Biz, Delta Blue, Everyday and Hilton Aspire. I usually use the credits to easily offset the AF's and work for retention offers when I can. Blue and Everyday were downgrades to cut down on AF's of Delta Plat and EDP.
The Gold, Hilton Aspire, and Blush Business Plus are my setup. I plan on applying for the Platinum card in a month or so.
I didn't fly much this year so I'm just Squirreling away points until I get the Platinum Card then I'll have my perfect travel setup for 2023.
Great video!
🏝🏝🏝Hope you fell better soon! I'd go with the Amex Trifecta and round it out with the Delta Reserve for the MQD waiver, bonus MQMs and companion certificate. Aspire is a great value and I may just add to the four for this exercise 🙂. Great, helpful video as always!
“Also known as the BBC” 🤣 dawg
Right now I’m a masters student on a full ride scholarship and no job so I can focus on my studies. I’m avoiding those annual fee cards and run a Citi custom cash, Chase freedom unlimited, and a local banks 2% off everything card. When I graduate I’ll be an officer in the military and I’m gonna have a similar set up to you (but with the gold charge card and platinum) since I won’t have to pay for the annual fee and I can have my wife get the same cards so she will also not have to pay for them. We’d legit be able to take a damn good vacation every year for essentially free.
Love the NBA comps Sebby keep em coming
Sebastian when you need to take a break you gotta take a break I can hear your voice.
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fantastic video
🌴 ⛱️ So the AmEx charge cards I currently have are the green, platinum, and gold. As for credit cards I have the Surpass and Delta reserve. I've been meaning to get the Aspire but it keeps getting pushed back due to shiny object syndrome. If I get the Brilliant card right now, would I be able to use that $300 travel credit before September 22nd and still double dip and get the dining credit? What would you do in my situation given that the annual fees are waived for me?
Team Hilton as well. Player 2 mode. We like the surpass due to the multipliers. Hilton takes care of you as well. Upgrades for days
If I have both the Chase Flex and Unlimited and also the have the Chase Sapphire preferred and its been 48 since I've had the CSP, how do I get the CSP bonus again?
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Hi Sebby, I'm doing Platinum, Gold, BBP, Delta Gold, Hilton Surpass, I 'm thinking which will a good choice, Hilton Honors no annual or the Hilton Business before getting the Aspire?
I have the Amex Green blue cash everyday and the blue business plus
I’m sure if there was a way to redeem points for NBA games Sebby would be on that asap lol
🏝 I am running the platinum, gold, Hilton Aspire, and blue cash preferred on the personal side and a Business Blue Plus for my business. What I learned today was about getting more than one Aspire. I have 2 million Hilton points and love the two free certificates I receive from my Aspire (over $60k in spend)….but now I am going to get one of the other Hilton cards and upgrade in a year. I have been playing the game for years but you taught me a new trick! Thanks!!!
Is there a way to calculate when it is better to use the Platinum card (5x point bonus) versus the Business Gold card (25% point rebate)?
I have more than 5 amex lending cards
🏝 I downgraded Aspire during pandemic, can I now still upgrade. it? I’ve been looking for upgrade offers but haven’t seen them.
bruh u didnt have to do RUSSELL the MUSCLE like that lol
I got 5 lending cards; 3 aspire cards, 1 blue cash preferred, 1 HH business.. tempted to apply for one more lending as they sent me an invitation for a delta card
Sebby blessing us with the Barry White voice today…
My 4 amex cards are Delta skymiles, Hilton honors, amex blue and amex green
I dont watch basketball so I don't understand any of those references
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