How to Climb the CREDIT CARD LADDER in 2021… – The Credit Shifu

by YouTube Team

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Hey credit warriors welcome to the video and I know everyone loves our credit card tier list videos, where we show you how to climb the credit card ladder, how to go from being an average joe with your capital one Platinum card to being a real baller with your Amex Platinum.

Wait, why are they both called platinum? Anyway, in this video I am going to give you an updated tier list for 2021 and then we will go through a few specific methods on how you should move up the credit card ladder this year and also one thing you need to watch out for to make sure you don’t get screwed from getting maximum value out of your points. And hopefully you can get to the very top of the tier list.

Bat card

That one is invitation only, you probably can’t get it.

Updated tier list

Tier 1 Credit builder cards, Secured cards, fee harvester cards, no annual fee
E.g. Capital One Platinum

Tier 2 Basic rewards cards, normally cash back, rotating categories, X1, sign up bonus $100 to $200 no annual fee E.g. Chase Freedom Flex, Discover It

Tier 3 Travel rewards cards, big sign up bonuses, hotel free nights, earning points (transferrable, airline of hotel) annual fee $100 to $250
E.g. Amex Gold, Citi Preferred, Chase Sapphire Preferred

Tier 4 Premium credit cards, airport lounge access, credits for Uber, global entry, often made of metal, annual fee $450 to $550
E.g. Amex Platinum, Chase Sapphire Reserve

Tier 5 Invitation only cards, Amex Centurion, JP Morgan Reserve, Coutts Silk Card, Insignia Bespoke Credit Cards, Dubai First Royale. Benefits and fees vary greatly.

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25 comments

Wake Monroe June 16, 2021 - 3:44 pm

Never comment on YouTube videos but just wanted to say that I started watching your videos when I was almost 18 and applied once I was old enough for a student card. Now a little over a year later I’m 19 with a 750 score and just got my chase sapphire preferred. Thank you!

Reply
Always Hustle June 16, 2021 - 8:42 pm

At 19 I got approved capital one and at 20 i got approved by chased freedom flex. At 20 years old my credit score is 720. Im so happy and grateful.πŸ˜„

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Ava Lucas June 19, 2021 - 12:38 am Reply
Julian Lucy June 19, 2021 - 10:36 am

10k was deposited into my credit account I’m thanking GOD for sending spechackers on !G for saving my family

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Jorgio Castro June 20, 2021 - 7:52 am

Laaaaaaame attempts at humor.

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Carlos Manuel Marte Batista June 25, 2021 - 12:19 am

Rebuilding and using Self Secured. Love this vid. By pure luck, signed up for Discover IT and then the shitzu CREDIT One Bank 😭😭. Yes.

I was surprised I was able to get Discover IT given my bad history. However, I have had a secured credit card for past year or so. So that probably helped.

Dumb me confused it with CAPITAL. Now I am stuck and cannot close it.πŸ˜“ Shoulda watched these vids first.

Next will be City Double/Apple/Chase/AMEX. Those and Discover It will be my perm, until I hit the lottery and/or meme stocks squeeze diamond hand plays/doge rocket for A fancy Brit Invite. πŸ˜„πŸ˜„πŸ˜„

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Keith Simon June 25, 2021 - 10:21 pm

hilarious!

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Ryan Vakil June 28, 2021 - 8:14 pm

Funny thing is I have a buddy that actually used the Amex concierge to buy his little sister a baby goat from the Zoo

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Joey Tarrant June 30, 2021 - 3:54 pm

I subscribed not just for the credit card content but the fact that this man ate ice cream off a credit card is legendary lol πŸ˜‚

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Alex Policarpo July 2, 2021 - 11:19 pm

I wouldn’t have problem spending to qualify for that bonus

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Fuck Youtube July 4, 2021 - 11:09 am

My mans hopped out that whip way too smooth

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P Fed July 5, 2021 - 5:18 pm

Just got an AMEX Delta Sky Miles Gold Card after only having a credit card for 4 months. 18 years old and 700 credit score.

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Flaneur Films July 7, 2021 - 2:42 am

From Jan to July I went from getting approved for the Apple Card, to navy federal flagship rewards, to Amex platinum.

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Kevin Paucar July 8, 2021 - 8:45 pm

I have a question please answer 😭 I just applied for credit one American Express card got approved but after seeing reviews about it I want to cancel and go with something else. Is it bad to cancel ?

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Nicholas Umbro July 13, 2021 - 8:37 pm

What credit score should I have before I apply for a tier 2 card particularly either the X1 card or the Citi Double cash

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Elembee July 17, 2021 - 5:00 am

HA! That intro skit was absolutely incredible! Great work!

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Zach D. July 19, 2021 - 6:20 pm

Does someone have a way to print Batman's Goth Card onto a real credit card???

Reply
Eevee Lover666lol_JK July 21, 2021 - 6:17 pm

Hay i have a question will my CC score is a 710 how long will it take me to get my CC score up to a 750

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ARealMusicProduction July 22, 2021 - 12:41 am

Great video!!!

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Darrius Daniels July 23, 2021 - 6:38 am

I've watched like 5 of your videos the last few days but the ice cream scene finally sold me. Haha. Subscribed.

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D1V15OR August 3, 2021 - 12:18 am

What would be a good channel for credit cards in Canada? Because we don't have chase or Citi or amex or at least not that I've ever seen

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DarthRaider August 7, 2021 - 8:38 pm

Looking like Lloyd from dumb and dumber in the thumbnail

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Roland Goodman August 13, 2021 - 6:41 pm

Got approved for Amex platinum with 622 credit score!!!

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Maikel J September 28, 2021 - 11:15 pm

I love it too❀️‍πŸ”₯❀️‍πŸ”₯❀️‍πŸ”₯

Reply
Larry M October 27, 2021 - 10:50 pm

Capital One Platinum baller over here πŸ™‹πŸΎβ€β™‚οΈπŸ˜‚

Reply