My 2024 Credit Card Strategy: Maximize Points, Airline Status, Free Night Certificates

📕 thanks as always for great information

📕 Can I get a Bilt card for my daughter’s rent since she can’t get one yet?

📕 Literally got approved for Gold, Plat, Venture X and Freedom Flex last weekend. No idea what the set up is gonna be. Prior to this I just had Marriott Bonvoy, and upgraded tht to Brilliant (also last weekend). My wife and I are figuring out a strategy now but we figure we hit the bonus spends and accumulate points for a less expensive Marriott stay in Aruba for us and our parents in 2026. 😅

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Was surprised to see the CSR a part of your set up Sebby! I’ve been feeling like a lone wolf with that card as most people go for CSP. Thanks for the tips as always!

📘 How about blue? I have the Chase Preferred and the Freedom Unlimited. Looking change what I use this year. Thanks for all the info.

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I use BOA cash rewards card for dinning and groceries to get 5.25% cash back plus extra 10% when you redeem the cash rewards. Travel expense other than hotel stays and other charges are on BOA premium travel reward card and that will get me 3.5% and 2.625% back. For hotel expense, I use Mariott Bonvoy Brillant AME card only. Their priority pass is useless living in LA, but Marriott executive lounge is pretty sweet.

📙 No setup yet. Actually looking to start making credit cards work for us a lot more and a friend who I consider pretty knowledgeable suggested your channel :) says you're about the only person he regularly trusts on this topic :)

📕 could you do an updated military/spouse video?!

📕 Great video.😁
My card setup for 2024
Amex Platinum, Blue Perferred, Hilton Surpass, Delta Gold Reserve
Chase Southwest Priority
Citi Bank AA Platinum Elite
Capitop One Savor One
US Bank Visa Signature
Discover Card (2)

I have a combo of cards , my chase cards are the freedom unlimited and freedom flex . My citi cards are the double cash and premier. I have the amex gold , capitol one venture X , amex blue cash, and the jetblue plus card lol so I just go back and forth between all of them . Should I just keep doing this ?

The platinum is at $800 now. Centurion Lounges are terrible too I mostly just use priority pass lounges. Whichever is least busy. I started with the Chase trio, went AMEX (Because the plat and cent were aspirational) now I'm running the Capital one Duo (Since I switched my checking account to them too) I remember the Chase Sapphire Reserved and Amex Platinum had 100k promos before, that's what I got them for. They are at 60k now?

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Where can I get one of those red books? 📙

I bought this book for cards years ago and almost ran out of space 😂

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🏮Do a video on the credit card resell market. I was shocked to see American Express cards go for so high.

Big fan of ur content Sebby. Wanted your opinion on my current strategy. I just convinced my player 2 to join the fun. We are running the chase ink cards for the big SUB and they allow us to stay under 5/24. That coupled with Bilt for rent has been a nice combo. I got the CSR for travel but I just got the Marriott Boundless and plan to hit all the Marriott SUB’s for chase and Amex Marriott cards. Once I product change to thr Ritz I’ll down grade CSR to Preferred.

Im 26 and rent in NYC so I have Amex Gold as my daily driver (most spend is restaurants and groceries) and Bilt for rent payments. I look forward to adding Amex platinum for flights and Marriott Bonvoy Brilliant for hotels as work travel scales up in the future. That four card strategy I think I’ll keep in place up and until another travel card does better without additional complexity

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📕really like the strategy with the Amex gold which I don’t have

I’m thinking venture x and savor one

Why would you get two Amex cards? Why doesn’t the platinum give you the points the way the gold does that’s strange but you know best just weird they do that.

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📕 who does your video edits?

Im just now realizing how much editing and production goes into your videos. I have learned so much from watching your channel... you helped me improve the quality of life of my family.

Thank you. 🙏

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📙for algo

Sebby, I just watched your video and your Aspire PC strategy is fascinating - would the $30K spend be more optimal if you divided it over two Hilton accounts? Aspire (FNC) product change to Surpass for $15K spend (2nd FNC). Repeat another $15K spend on a second Hilton account netting you 4 FNCs instead of 3 FNCs for the $30K spend.

📕 newbie just finding out there’s strategies 😅 thanks for sharing, great insight 🤝

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📕We love your content. We have the Chase Trifecta, Amex and some hotel cards. We also stick with Star Alliance flights for status.

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Thoughts on the Redstone Visa Signature card?

I'm reading a 📕, I'm reading a 📕, don't you ever interrupt me while I'm reading a 📕 (Julian Smith song from 15 years ago 😅)

red book, I'm over 5/24, I have all the hotel cards for free nights. Will probably get aspire

📕thank you for the info

📕 just getting into this

I just got the Surpass. Traveling to Denver I'll let you know how it goes

Alaska miles in Bilt case are not 1 cpm, but 1.5 cpm, since you can get 1 mile using Bilt card for free. I wouldn't buy 1 Alaska miles for 1.5 cents each.

How many Aspire cards per person do you have, and how did you get them?

Do you have a video that talks about downgrading the chase sapphire reserve and reacquiring it again to take advantage of the bonus points? I have a good amount of points and I'm hesitant to downgrade. Just unsure how to approach it. I've had the card for about 4 years now.

📕 I read that Frequent Miler was able to get Chase Ink cards while being at 5/24. Have you heard of any other data points that support this? Thanks so such!

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Correct me if im wrong here Sebby, but I'm pretty sure the Ink Business cards don't affect or get affected by Chase 5/24. Most of the times if you do get denied for 5/24 when applying for a business card from Chase, you can just call up for reconsideration and tell them that business cards dont affect 5/24 and they approve you 2 minutes after looking into it.