The Two WORST Credit Cards of 2022?! – Ask Sebby

by YouTube Team

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Timeline
0:00 Start Here
1:04 Marriott Bonvoy Bevy and Bountiful
4:15 Disadvantages of Bevy and Bountiful
7:47 My theory on how they came up with the card
10:28 Suggestions for Bonvoy


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41 comments

Ask Sebby October 3, 2022 - 11:02 pm Reply
lewis20002000 October 4, 2022 - 1:53 am

Very done Sebby, Who designed these card?, the bevy and bountiful(blank on my head and tell me it's raining), WHY IN THE WORLD WOULD I WASTE A 5/24 SLOT FOR THE BEVY/BOUNTIFUL, there is no value pass year-1?. Even as a novice the one reason I could always convince myself of keeping a hotel card and paying the Annual was the free night. I don't need another with a use-or-lose benefit to manage . With the amount of cards I have, I'll be lucky to remember to use half of the $300. This card would be cool, not great at $550, but if I'm going to pay $650, I want Titanium status and the old $300 credit which was great to apply to any of my Marriott stays any part of the year. I'll keep it as long as I can get a break on the af, if not Ill be downgrading, or work on getting another Hilton Aspire. I already have too Ritz-C where the airline credit is very easy to use, yeah Platinum is great to have on a credit card, but not this one. I will use a Titanium member to book my rooms.

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Born not to run October 4, 2022 - 1:56 am

Are these replacing the old cards? I get to keep my old cards, correct? Also should I grab the Hyatt card. Are they going to follow this trend.

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Jimmy James October 4, 2022 - 2:03 am

These cards + Bonvoy = 💩💩💩 Thanks for the info + video!

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ultramet October 4, 2022 - 2:23 am

Sebby I have the Amex Bonvoy Business card. Based on your other video and this one, I think it might be best just to get the Bonvoy Brilliant as that can card can get you Platinum and has a better free night certificate. Is this correct? I know the Brilliant is $650 but it has much better perks

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M Carey October 4, 2022 - 2:55 am

you're the best.

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eridium October 4, 2022 - 3:34 am

Although these cards are an overall thumbs down, I may still get the Bevy for one reason: the sign-up bonus. Since Amex allows only one SUB per card, it's worth it to get the card for one year, add the sign up bonus to your Bonvoy account, and cancel after a year. The points can then be combined to book an aspirational hotel room in a tropical paradise.
For those who don't have the old SPG / Bonvoy personal card, they can get the Bevy card, take the sign-up bonus, and after one year product change to the Amex Bonvoy personal card, which at $95/year is a better value with a 35k free night award, with the same 15 elite qualifying nights.

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K D October 4, 2022 - 3:41 am

As a Kevin, I feel somewhat attacked.

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Nathan Acreman October 4, 2022 - 3:44 am

I feel like they should have (on chase's end at least) just revived the Ritz Carlton card as a "new" card sort of like what they did for the freedom with the freedom flex.
🛥

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Carson Edwards October 4, 2022 - 3:52 am

I don't remember why I have the CSP.

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Pat Needham October 4, 2022 - 3:53 am

🚢🚢🚢🚢🚢🚢🚢🚢🚢🛳️🛳️🛳️

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rexnicious October 4, 2022 - 4:11 am

Yes! Denny’s credits! Exactly what I wanted with my $250 annual fee credit card.

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Grant Simmons October 4, 2022 - 4:17 am

🛳️

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Thomas K October 4, 2022 - 4:25 am

How do FNCs work when downgrading/upgrading? For example, if you have the BevyBountiful for 1 year, and downgrade to the Boundless/Bonvoy (which come with an annual FNC, but only on the anniversary year, i.e., year 2), would you get that FNC immediately after downgrading (since you've had the "card account" open for 1 year, but haven't had the "product" for a year)?

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Rex_8787 October 4, 2022 - 4:26 am

🛳 🛳 @5:36 chase reserve gave me
Gold status. I stayed at a few hotels as a “gold” guest. Nothing special. no late check, no room upgrade. The hotels I stayed at were empty too, so no excuse. 🚢 🚢

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Thomas K October 4, 2022 - 4:35 am

Spending your way to FNCs should be uncapped awards. It creates a greater value of "earned" FNCs over "given" FNCs.
Another thing they could do that could present unique value: holding this card gives you a 10% bonus on transferring Marriott points to Airline partners (exactly like what Marriott does with their points when transferred to United). This is small, doesn't require Chase/Amex input, and wouldn't cost Marriott much (if at all).

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Spydah3kgt October 4, 2022 - 4:48 am

I just think this is an instance where "less is more."

Why do they need 3 cards…? You said it yourself, the middle card is just hard to make meaningful. I completely agree.

I'd scrap it all together or go for a super premium card with legitimately elite benefits. 🚢

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lolomissa October 4, 2022 - 5:14 am

⛴️ i just looked at these cards the other day and i was shocked that the $95 annual fee was the one that made the most sense. lol im glad im not crazy and you came to a similar conclusion!

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L.K. // Evidence-Based Money & Lifestyle October 4, 2022 - 5:17 am

For people willing to pay more than $100 for an annual fee, these card were made just to entice those customers they get the new Brilliant card at $650 annual fee!

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aeroAdvocate October 4, 2022 - 5:29 am

I said the same as soon as I saw the card features. Total dogshit.

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Andrew Honore October 4, 2022 - 5:30 am

🛳

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L.K. // Evidence-Based Money & Lifestyle October 4, 2022 - 5:34 am

The AmEx business credit card also gives Marriott gold! It's a great card!

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Such Is Life October 4, 2022 - 5:41 am

I will stick with my Hilton set up

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Jarrod October 4, 2022 - 5:54 am

🚢 If I were Marriott I’d try doing something different, it’s cash credits per paid night stayed. For example 3, $50 dollar credits could move the needle and the card would appeal to someone staying at Marriott’s less expensive brands.

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Daniel R October 4, 2022 - 6:07 am

Yea, these cards suck. Maybe it's okay with a $95 annual fee, but at $250 they're just garbage. I have no idea what they were thinking with these cards.

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Jarrod October 4, 2022 - 6:08 am

Part of the problem for hotels it that they haven’t managed to load up their product with fees that they can waive as a perk for status. Look at airlines, checked baggage fees, seat selection fees, up charges based on where you sit. Kind of garbage but it makes it easy to justify getting a credit card if it means you save on a 30$ checked baggage fee every time you fly. What do hotels have… not a lot. Some have spa services and dining but they are separate and not required to use the core lodging product.

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Samuel Sze October 4, 2022 - 6:47 am

🚢 These cards I think are just a downgrade path for people not willing to take the upgrades on the Brilliant. I personally really like what they've done on the Brilliant so happy to pay the extra fee for Platinum and the upgraded certificate. The signup bonus on the Bevy is interesting as well, but long run I think the Brilliant is the one to keep if you are invested in the Bonvoy ecosystem. I love your ideas about this card enabling certificate usage benefits like an extended expiry or increased points top up above the 15k. I might hold this as well as the Brilliant just for those benefits… Would probably spend 15k a year on the card, in a 4x category for the extra certificate as well.

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Arden Leung October 4, 2022 - 7:07 am

With the 1K bonus points per stay on these cards and the 7% discount on the Business card, it seems like Marriott is experimenting with non-status benefits on their cards. I think they could add a discount on dining at Marriott hotels or on resort fees. In addition to helping cardholders justify the annual fee, this should encourage people to spend with Marriott instead of competitors.

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Anas Ryadi October 4, 2022 - 7:22 am

🚢Is it worth getting card just for the 125k bonus? What would be the best Marriott setup?

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Christian Sailor October 4, 2022 - 8:07 am

take something for that sore throat!

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Christopher Walken October 4, 2022 - 8:31 am

Marriot has screwed their customers over so many times with devaluations…I guess a few months pass by and people forget the meaning of being "bonvoyed"……

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Patrick King October 4, 2022 - 8:36 am

How does farming the Ritz Carlton card work?

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ジャメイカ 🕊 October 4, 2022 - 8:46 am

SEBBY HELP!! This is one my new cards I have going on an year. I have it connected to Uber since I use that a lot building my points. Should I get rid of it or product change? I was so finally happy to get a base credit card. I have the $95 annual fee Marriott bonvoy boundless card.

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SPICHARDO October 4, 2022 - 10:32 am

🛳️ I have a $10,000 purchase coming up, what card or cards should I apply for to maximize value?(I really like the aspire..) I do have a player 2 as well.

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wannabe DAL-ADX October 4, 2022 - 10:46 am

Great video, but can't think of improvement ideas this early in the morning. I would say Marriott needs to figure out what they want to do for their customers. Throwing out these cards will only create churn, not loyalty! If Marriott cared about loyalty they would start to do things for their members and get other, newer members. Then they will see a profit. Until then they are chasing a quick buck and they will lose eventually.

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Moisés David Arévalo October 4, 2022 - 11:08 am

Following AMEX style, I'd suggest 2 credits of $100 (bi-annual like the Saks credit) when spending $200 or more on Marriott properties. You can potentially offset most of the annual fee and they can promote spending on the card even if you have more than 1 Marriott card 🚢

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jvolstad October 4, 2022 - 12:54 pm

As a regular Starbucks customer, I like my Starbucks Visa Card. My current reward stars balance is 7,000 .

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4ld0 October 4, 2022 - 1:26 pm

Lost me on this one with all the analogies. Keep it short.

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chrisSNU October 4, 2022 - 3:40 pm

these are the worst credit card releases I've ever seen in 10 years! makes no sense to get them!

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Learn & Do Better October 4, 2022 - 4:16 pm

Loved your Maldives Easter Egg Counter….so funny!!!
I like the benefit idea you had for no expiration date FNC's….what about extra days towards platinum???…..or maybe actual day stays count double??? i mean we are all trying to get to platinum's sweet spot anyways….just think….this would make it interesting to have WITH the Brilliant – platinum & then business for getting to the next tier, no?

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Brian Crizaldo October 4, 2022 - 5:22 pm

If you upgrade a credit card, let’s just say Chase Southwest Rapid Rewards to a Chase Sapphire Preferred, does that count towards the 5/24 thing?

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