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In this video we look at what may be the most underrated credit card out there on the US credit card market.
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49 comments
Meh bofa customized cash and premium rewards is far better with platinum honors status
Terrible vid, terrible nft shill vid
How exactly is this better than the Amex BCP?
I think the Blue Cash Preferred is better. It’s also $95 a year annual fee, but you get 6% back on groceries and steaming services, 3% on gas and you don’t have to hustle to use it 30 times (!!!!) a month.
I think the BCP is better. Can't think of any reason why this would be better.
I might consider this and get rid of the gold I can put all of my spend on it and hit the bonus easily
Not gonna lie – these FinTech companies are really trying to reach the lowest common denominator in the general public when coming up with their product names / themes
Charge the card 30 times monthly!! I don't want to. Please 🙏 stop giving me more work! I listen to you too much!
$4.39 is expensive for you? Just wait till you come to California
I thought you were above shilling NFT influencer scams Ben. They all say they are ethical, they all say they set aside a bunch of money for community, and it's still a pump and dump. Do you value making money at all costs so much that you're going to promote NFTs?
Thanks for the informative video and reviewing a card that's often under the radar. I think the biggest con is the 30 transactions. It's hard to believe there's a card that rewards you for splitting your groceries and filling your tank $5-10 dollars at a time! That's the deal breaker for me because there are other cards that come close without making you jump through ridiculous hoops.
No card is more underrated than US Bank Cash+
I just got the AEP card last month!
It's not "underrated" with the 30 transaction requirement. Wrong use of the word as clickbait. That's like saying gambling is underrated because it gives you 500x cash back. No, it's "rated" exactly as it should.
I would humbly submit that the Logix Platinum Rewards Mastercard, with 3% cashback on ALL purchases, with qualifying relationship rewards is the most underrated sleeper card currently available. You are not limited to category spend in order to earn cash back and points are awarded upon purchase, not payment of the card meaning you can cash out cash back BEFORE you make your monthly statement payment. When combined with Plastiq, this card nets you a .15% DISCOUNT on purchases for mortgage, rent, loan payments, etc.
30 swipes a month is a dealbreaker. While it's doable if you are very intentional about it, this kind of restriction would completely crowd out much needed swipes for SUBs, all to obtain better multipliers, which aren't making up for low SUB. 95/yr is more than most co-branded cards and same as Premier and CSP which have good bonuses and more valuable cash out redemptions.
I spend at least a dollar a day anyways lol, so this might just replace my blue cash preferred. Thanks for the info Ben!
Go buy 30 bananas.
Sry, as soon as you mentioned NFTs, I stopped watching.
What do you think about the Saks credit card?
I have the EDP as one of my AMEX cards. Doing the 30x / month at first was a hassle but then I realized I could utilize online charitable donations. So at the beginning of every billing cycle, I'll make daily online contributions to charities & use my EDP card. One caveat that should be mentioned is the 3x / 4.5x bonus on groceries is limited to $6000/year.
For $95 annual fee I’d say it’s overrated. Better multipliers out there with no annual fee cards that doesn’t require jumping through hoops.
Wow, thanks for the reminder. That's actually a great compliment to the Green card. Together, you'd have 4.5X groceries + 3X dining + 3X travel + 3X gas + 1.5X other for a $245 annual fee – $5 less than the Gold card alone. If you have a P2 AU on those cards, the 30 transactions is not too hard. I'm not sure I'll do this but it's good to know!
Check out the New Orleans pelicans card. 4% on gas and restaurants, no fee, and a $300 cash back sogn up bonus
For the same price, you're better off with the Blue Cash Preferred card.
That’s my card!! I’m 19 with a $10,000 limit!
STOP SHILLING SCAM NFTs
I've been using that card for a while now along with the platinum and gold
I’ve never heard someone pronounce adidas differently. Hahaha. Also that’s a weird sponsor for credit shifu
Lol. I'd be stoked if I could get gas for only $4.39/gal on the west coast…
these multipliers still aren't great even after the 30 transactions, Amex should really do away with the 30 transactions and just give you the higher multipliers for paying a $95 annual fee.
and whats more annoying then having to make 30 transactions is tracking it.
The most under-rated card is Sear's Shop Your Way Mastercard. Currently giving me $295/ month through my multiple targeted offers with only $1,000 spent. Been using it for years and it is still the card that gives me the most annual return on spending.
I don't know who needs to hear this but stop saving all your money. Invest some of it if you want financial freedom.
Nah, its a bad card. 30 swipes to get any good rewards means it needs to be your solo carry card. and the card is not good enough to be a solo card, especially not with a $95 AF. I get 5% Groceries with Citi Custom Cash, NO AF. 5% Gas with USAA, NO AF. and 4% Everything with GM, NO AF.
Interesting card here. Personally I don’t like to get cards that I have to put in extra effort to get the most out of so I may not pick this one up in the near future, but I appreciate the perspective!
Fck amex
$4.38 is nothing compared to cali prices lol awesome video mate.
Appreciate the great insight Ben. Unfortunately can’t rationalize bc of that 30-time use. Have 8 credit cards and don’t even use them all 30x a month. Instead I settled for the BCP for 6x groceries. Cash back isn’t as ideal, but still a solid value
Inflation is way higher than 8.5%. Much closer to 15% yearly, making that 30% over 2 years
Stop reporting on Amex, they are horrible
Ben great info. Amex cards are overall amazing to begin with. I have too many amex cards lmao 🤣 thanks for all your videos
Please share your thoughts about the Sable One Secured Credit Card!
Did you just endorse NFT's? Or even just an NFT platform? I would have never expected this from the finance shifu. I am disappointed.
Forcing 30 transactions on 1 card that’s not dining focused would kill my current setup. Also I only get gas every other month so I’ll stick to the 4% I get now on a free card.
Interesting take. But for doing a transaction everyday, you have to think about the time invested in this hustle vs the value of that time. Assuming u spend 15 minutes going through the transaction daily, @ minimum wage thats a ~$70 loss in time at the very least. The amex gold would get you 25% extra for doing pretty much nothing extra.
My guess is Fidelity Credit Card? Let’s see.
I've had the Everyday card since 2015. I upgraded it last year for the 15,000MR sign up bonus. I just downgraded it less than 2 weeks ago so I didn't have to pay the annual fee. I notice in my account today I am being offered another upgrade bonus (already?) for 40,000 points after $2k in spending over 6 months! I may have to take them up on that!
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