Mark Reese // Credit & Finance

Looking for a new credit card? Here are my TOP 10 PICKS for the BEST credit cards of 2023! I included both travel credit cards and cash back credit cards to help you find your next best one! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards Ⓜ️ CARDMATCH - Check for Amex Platinum 150K, Amex Gold 90K, and MORE! https://markscreditcards.com/cardmatch 💳🤝 AMEX PLATINUM REFERRAL LINK - Check for Targeted 150K Offer! (Copy & paste into private / incognito window) https://markscreditcards.com/referamexplatinum 💳🤝 AMEX GOLD REFERRAL LINK - Check for Targeted 90K Offer! (Copy & paste into private / incognito window) https://markscreditcards.com/referamexgold 💳👉 SEE DISCOVER IT OFFER - Bonus Statement Credit! https://markscreditcards.com/referdiscoverit 💳💥 VIEW MORE CREDIT CARD OFFERS!💥💳 https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join CARD 1: The Capital One Venture X is an excellent entry-level travel credit card for those still desiring premium benefits and rewards, including airport lounge access (Capital One Lounge, Priority Pass lounges, and Plaza Premium lounges), a $300 travel credit, a 10,000 mile anniversary bonus, and much more! CARD 2: The Amex Platinum Card is the best credit card for airport lounge access and top-tier / VIP travel benefits. CARD 3: The Citi Custom Cash is an excellent cash back credit card that is extremely flexible, earning 5% cash back in your top spend category each billing cycle. Cash back is earned as Citi ThankYou points, which can be great for travel, too! CARD 4: The Capital One SavorOne rocks for cash back, no annual fee, spending on food at restaurants and supermarkets, as well as on entertainment. CARD 5: The Amex Gold Card is a top choice for people who spend a lot of their monthly budget at restaurants and U.S. supermarkets, but who want to earn travel rewards (Amex Membership Rewards points). CARD 6: The Citi Double Cash is a perfect catch-all credit card for non-category spend as it earns a flat 2% cash back on all purchases with no limits on how much you can earn. It earns cash back in the form of Citi ThankYou points that can be combined with the rewards from the Citi Premier Card for access to transfer partners. CARD 7: The Bilt Mastercard is the best credit card to pay rent (without additional fees)! It’s also a great travel credit card with no annual fee. CARD 8: The Discover it Cash Back is a solid everyday credit card that earns 5% cash back in rotating quarterly categories that are very useful (examples may include gas, groceries, dining, Amazon, mobile wallets, etc.) CARD 9: The Chase Freedom Flex is similar to the Discover it Cash Back credit card in that it also earns 5% cash back in rotating quarterly categories. But, this card earns its cash back in the form of Chase Ultimate Rewards points and also adds several other permanent rewards categories. CARD 10: The Chase Sapphire Preferred is arguably the best travel credit card for beginners. Its superpowers include the ability to make all points worth 25% more when redeemed for travel via the Chase travel portal AND providing access to transfer partners. Since it earns Chase Ultimate Rewards points (like the Chase Freedom Flex), you can combine the points, too! 00:00 - Intro 00:49 - Card #1 2:18 - Card #2 4:05 - Card #3 5:56 - Card #4 8:37 - Card #5 9:57 - Card #6 11:15 - Card #7 12:46 - Card #8 14:12 - Card #9 15:27 - Card #10 Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #creditcard

WOW! THIS tops my list for the WORST airport lounge in existence! Check out my video tour of the Swissport Lounge at ORD, a Priority Pass Lounge that is in SERIOUS need of an update. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - How to Use PRIORITY PASS (Beginner’s Guide) https://youtu.be/mP1zEyWdf8o Normally, airport lounge access is supposed to be a nice way to escape the chaos of the terminal. However, the Swissport Lounge Chicago ORD had the exact opposite effect (I’d rather STAY in the terminal and spend money to get a real meal)! This Swissport Lounge Chicago ORD is a Priority Pass lounge, though it’s in need of a huge makeover. Here’s everything you need to know about it… Amenities - Per the Priority Pass website, the Swissport Lounge at O’Hare includes: disabled access, no smoking, air conditioning, TV, refreshments, newspapers/magazines, wi-fi, and digital card accepted for entry. How’s that for a list of ‘benefits?!’ :D - The wifi did not work during my visit, and the free wifi at Chicago O’Hare airport was incredibly slow, so I used my iPhone hotspot. - The Swissport Lounge has NO windows…anywhere. Want to charge your devices? You’ll need to stay at the tables along the border of the lounge to (hopefully) get access to the very few outlets available. The food and beverage options were nearly all snack focused (i.e. no hot food, minimal vegetarian options, and a heavy focus on carbs / sugar) :D - All of the furnishings are SEVERELY worn and tired. Gotta love the stained carpet and out of order restroom, too! Hours - The Swissport Lounge ORD opens at 7:00 AM and closes at 9:00 PM daily. - It’s closed on Dec. 25 and Jan. 01. - Capacity Constraints: Access may be periodically restricted due to space constraints, especially during the hours of 3:00 PM – 8:30 PM daily. This location may exceed its seating limit at certain times of the day & access is at the staff’s sole discretion. If you look at reviews online, it seems very common that Priority Pass members are turned away in the late afternoon / evening hours. Location - The Swissport Lounge is at Chicago O’Hare International Airport in Terminal 5. - You’ll find it between a restaurant and a retail store. At the time of my visit, the restaurant was “Big Bowl” and the retail store was “I Love Chicago.” Priority Pass Lounge Access - Time: Up to 3 hours prior to departure. - Show: Priority Pass card and boarding pass at the front desk. - Guests: Varies by membership level. - Children: Under 4 years old are free. - Dress Code: Shoes required. Big Surprise - This Swissport Lounge Chicago ORD is actually a contract lounge used by international airlines for their premium passengers! Airlines include Air India, Alitalia (now ITA Airways), Royal Jordanian, Etihad Airways, LOT Polish Airlines, Turkish Airlines, Emirates, Finnair, and then those who enter via Priority Pass. - More info: https://www.flychicago.com/ohare/ServicesAmenities/services/Pages/lounges.aspx 👉 Swissport Lounge ORD on Priority Pass website: https://prioritypass.com/lounges/usa/chicago-il-o-hare-intl/ord10-swissport-lounge 👉 Swissport Lounge ORD via LoungeBuddy https://www.loungebuddy.com/ORD/swissport-lounge-terminal-5-concourse-m-5mTKilCqDl 👉 Swissport Lounge ORD reviews (Yelp) https://www.yelp.com/biz/swissport-lounge-chicago 🎵 Background Music: Acid Jazz by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #prioritypass #airportlounge #loungelife

Take a look inside my wallet to see which credit cards I’m using for Q3 2023! This time I’ve got 7 credit cards: 4 are travel credit cards and 3 are cash back credit cards, all across 6 different banks! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 💳👉 SEE DISCOVER IT OFFER! https://markscreditcards.com/referdiscoverit 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join Here's my best credit card strategy for Q3 2023! 1. Capital One Venture X: I’m using this card for my non-category spend (2X miles) and for airport lounge access to the Capital One Lounge DFW. 2. Bilt Mastercard: My top choice to pay rent, earn rewards, and avoid fees! An excellent travel credit card with no annual fee. 3. Hilton Honors Business Card: I’ve got a stay at a Hilton hotel soon, so I’ll use this card to earn 12X points. I’m also using it for healthcare expenses (3X) to work toward the Hilton Free Night Award. I’ll need to spend a total of $15K for the entire year to receive that award, which can be well worth it since it has no limit on total redemption value. 4. U.S. Bank Altitude Reserve: My choice for Costco purchases since it earns 3X points on mobile wallet transactions (and it’s a Visa credit card, which is required at Costco). 5. Amazon Prime Visa: To earn 5% cash back at Amazon. I simply leave this card as my default payment method so it’s always available when I check out. 6. U.S. Bank Cash Plus: This one allows me to earn 5% cash back on TV, Internet, and Streaming as well as on Home Utilities. A very unique credit card that covers categories not seen on many other cards! 7. Discover it Cash Back credit card: This is the best quarter of 2023 in my opinion since it’s earning 5% cash back on Digital Wallet transactions - as well as 5% at gas stations - on up to $1,500 in combined spend. Since ‘digital wallets’ is so broad, this is my go-to card for groceries, Target, restaurants, online shopping, and more. ⬇️MORE VIDEOS! ⬇️ 🎬 VIDEO - Capital One Venture X: BEGINNER'S GUIDE to 13 Benefits You Need to Know https://youtu.be/iHgbSRdxpBc 🎬 VIDEO - SHOULD I CANCEL? Capital One Venture X (My Thoughts After 1 Year) https://youtu.be/iUjodZv4kz4 🎬 VIDEO - Capital One Lounge Review & TOUR! (How to Get In | DFW) https://youtu.be/0jemrbhTc_U 🎬 VIDEO - Bilt Credit Card Review - Beginner's Guide to EVERY Benefit You Need to Know https://youtu.be/y6z9ucu8Cms 🎬 VIDEO - WATCH ME APPLY - Bilt Credit Card (Bilt Mastercard Application) https://youtu.be/bFuM2pABkg0 🎬 VIDEO - Bilt Credit Card Unboxing (Coolest Ever?!) https://youtu.be/15PcitqdoY4 🎬 VIDEO - BIG CHANGES: Amazon Prime Credit Card Review 2023 (Should You Get It?) https://youtu.be/rSMRxX1_oak Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #whatsinmywallet #bestcreditcards #creditcards

HOLY CRAP! Amex credit card signup bonuses will NEVER be the same after this! Learn what counts as an eligible purchase when trying to meet your Amex Platinum or Amex Gold signup bonus to MAKE SURE you get it! Click “Show More” to see Ad Disclosure. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - How to get APPROVED for American Express Credit Cards (Amex Application Rules) https://youtu.be/X4afVAbhc4g American Express issues some of the best credit cards available, especially for people who want to earn travel rewards. Whenever you see a credit card earning Amex Membership Rewards points, you KNOW that the rewards will be ideal for flights on that next vacation. However, before you go apply for that Amex Platinum Card, Amex Gold Card, Amex Green Card, or any other Amex card, be sure you understand the terms of the welcome offer (i.e. signup bonus). If you “think” you made enough “purchases,” but if not all of those purchases are eligible, then it could mean missing out on that offer altogether. For my situation, it came down to “Can you pay taxes with a credit card?” Historically, yes, paying taxes with credit cards is fine, be it with Amex credit cards, Chase credit cards, Capital One credit cards, and so forth. BUT…I ran into a MAJOR PROBLEM. When using my Amex Business Gold Card to pay taxes, ONE of my transactions was eligible but the OTHER ONE was NOT! And worst of all, I was planning on the spend from my quarterly tax payment to go towards earning the Amex signup bonus of 90K Membership Rewards points (the spend requirement was to spend $10K in the first 3 months). As a side note, my Amex Business Gold Card offer was targeted via email, and it was also one of those Amex No Lifetime Language offers. Learn what happened, what I did to (temporarily) work around the issue this time around, and how it dramatically affected my view of applying for more Amex credit cards in the future! Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #amex #americanexpress

Earn 100K Chase points with this INSANE offer! The Chase Ink Business Preferred cut its spend requirement nearly in HALF and easily ranks as one of the best business credit cards available! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉 SEE CHASE INK PREFERRED OFFER! http://markscreditcards.com/inkpreferred 💳👉 VIEW OTHER CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - Beginner’s Guide to Transfer Partners for BIG Value https://youtu.be/ae1WayyrwnE 🎬 VIDEO - Chase 5/24 Rule Explained https://youtu.be/muJEN8C86JY The Chase Ink Business Preferred has a new welcome offer! You can now earn 100K Chase Ultimate Rewards points after spending $8K in the first 3 months (previously it was $15K). The value of these points is $1,000 for cash back or $1,250+ towards travel via the Chase Travel portal. Fortunately, you don’t need a standard “business” to qualify. That is, there’s no requirement to have an LLC, partnership, or corporation. You can apply as an individual (i.e. as a sole proprietorship) and use your SSN instead of an EIN. As long as you have a side hustle / make money outside of a 9-5 job, then you may be eligible to apply for a business credit card (including the Chase Ink Business Preferred)! The Chase Ink Preferred also earns points in the following categories: - 5X Lyft (thru March 2025) - 3X Travel* - 3X Advertising* (Social media sites, Search engines) - 3X Internet, Cable, Phone* - 3X Shipping* - 1X Other Purchases *Up to $150K in combined purchases per cardmember year in 3X categories, then 1X. The annual fee is $95. Chase Ultimate Rewards points are worth 1.7¢ each (on average) when redeemed via Chase Transfer Partners, 1.25¢ each via the Chase Ultimate Rewards portal or via the Chase Pay Yourself Back feature, and 1.0¢ each as cash back (i.e. statement credit or deposit to a checking account or savings account). CHASE TRANSFER PARTNERS Airlines - Aer Lingus AerClub - Air Canada Aeroplan - British Airways Executive Club - Air France-KLM Flying Blue - Emirates Skywards - Iberia Plus - JetBlue TrueBlue - Singapore Airlines KrisFlyer - Southwest Airlines Rapid Rewards - United MileagePlus - Virgin Atlantic Flying Club Hotels - IHG One Rewards - Marriott Bonvoy - World of Hyatt MAIN BENEFITS You can add employee cards at no additional cost, get access to some business expense reporting tools, and the card has no foreign transaction fees. IS THE CHASE INK PREFERRED WORTH IT? - Likely YES if you want a super strong signup bonus, spend in the 3X rewards categories, and value points that are good for cash back and great for travel. It can also make sense if you want excellent insurance protections and have other Chase credit cards that earn Ultimate Rewards points. Examples include the Chase Sapphire Preferred and Chase Sapphire Reserve, plus the Chase Freedom Flex and Chase Freedom Unlimited, all of which are on the personal side. There’s also the Chase Ink Unlimited and Chase Ink Cash. All of these Chase credit cards earn the same type of points (Ultimate Rewards points) and can be pooled together! - Likely NO if you don’t value the 3X categories, don’t like credit cards with annual fees, or are over the Chase 5/24 Rule. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com and YourBestCreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcard #creditcards #businesscredit

Go to my sponsor https://aura.com/markreese to get a 14-day free trial and see if your personal information has been leaked online! Then see if the Capital One Venture X is worth it for you! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳💥 SEE CAPITAL ONE VENTURE X OFFER! https://markscreditcards.com/topcards 💳👉 VIEW OTHER CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - BEGINNER’S GUIDE TO TRANSFER PARTNERS FOR BIG VALUE (Amex, Chase, Citi, Capital One…) https://youtu.be/ae1WayyrwnE 🎬 VIDEO - Capital One Venture X Review (After 1 Year) | Capital One Venture X Worth It? https://youtu.be/iUjodZv4kz4 The Capital One Venture X benefits continue to grow since it was first launched in Nov. 2021! Now with a competitive travel portal, an increasing amount of airport lounge access, and a strong rewards program, it has become among the best travel credit cards available right now. However, a growing list of benefits on the Capital One Venture X credit card brings with it the need to understand how they work (and when they don’t). Of course, with a $395 annual fee, you’ll want to ensure you’re getting the value you deserve! 00:00 - Intro 1:33 - $300 Annual Travel Credit - Get reimbursed for purchases made directly via the Capital One Travel portal. 3:44 - 10,000 Mile Anniversary Bonus - Receive 10K miles every cardmember anniversary. 4:19 - Lounge Access - Get into Capital One Lounges, Plaza Premium Lounges and Priority Pass Lounges. Enroll in Priority Pass here: https://prioritypass.com/capitalone 8:37 - TSA PreCheck or Global Entry - Get reimbursed up to $100 every 4 years for the application fee of either program. Enroll here: https://ttp.dhs.gov 9:15 - Hertz President’s Circle Status - Get Hertz elite status to skip the counter, get rental car upgrades, drop off the keys and go upon return, and more! 10:13 - Premier Collection & Lifestyle Collection Hotels - VIP benefits at curated luxury and boutique hotels worldwide. Book here: http://travel.capitalone.com/ 12:22 - Visa Infinite Luxury Hotel Collection - VIP benefits and select luxury hotels around the globe. Book here: https://www.visainfinitehotels.com 13:26 - Capital One Transfer Partners - Transfer Capital One miles into airline and hotel programs. Airlines - AeroMexico Club Premier - Air Canada Aeroplan - Air France-KLM Flying Blue - Cathay Pacific Asia Miles - Avianca LifeMiles - British Airways Executive Club - Emirates Skywards - Etihad Guest - EVA Air Infinity MileageLands - Finnair Plus - Qantas Frequent Flyer - Singapore Airlines KrisFlyer - TAP Air Portugal Miles&Go - Turkish Airlines Miles&Smiles - Virgin Red Hotels - Accor Live Limitless (ALL) - Choice Privileges - Wyndham Rewards 14:51 - Capital One Dining & Capital One Entertainment - Exclusive reservations & benefits. 16:01 - Memberships & Subscriptions - Get access to memberships and discounts with The Cultivist, PRIOR, Gravity Haus, and Vinous. 16:51 - Capital One Offers - Earn extra statement credits on top of your credit card rewards! 18:05 - Insurance & Protections - Go to this link to learn more: https://ecm.capitalone.com/WCM/card/benefits-guide/20211109-venture-x/jb34520_build-it_dm_final_eng-proof_v1.pdf 18:41 - Virtual Card Number - Prevent exposing your true card account number. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com and YourBestCreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #capitalone #creditcard #creditcards

The new Chase Sapphire Lounge Boston has opened and it’s fantastic! Here’s my video tour, review, and full details about how to get in (super easy if you have the right credit card!) Click “Show More” to see Ad Disclosure. 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 00:00 - Intro 00:38 - Lounge Tour! 6:20 - Lounge Amenities 6:35 - Lounge Locations 7:54 - How to Get In (Credit Cards) 12:28 - How to Get In (Steps) 12:55 - Priority Pass (How to Activate) 13:39 - Priority Pass (Authorized Users) I visited the Chase Sapphire Lounge by The Club at Boston Logan International Airport and had a GREAT time! It offers some great local food and beverages, spaces to work and relax, plus amazing views and SUPER FAST wifi! The Chase Sapphire Lounge Boston is currently open from 5:00 AM - 11:00 PM daily and is located in the B to C connector between Gates B40 and B39. It’s 11,640 square feet in size. The Chase Sapphire Lounge Hong Kong is also open from 6:00 AM - 12:00 AM daily and is located in Terminal 1 in the West Hall on the Departures Level (Level 7) near Gate 40. It's 11,948 square feet in size. There are other Chase Sapphire Lounge locations coming soon: - Chase Sapphire Lounge San Diego (SAN) - Chase Sapphire Lounge Las Vegas (LAS) - Chase Sapphire Lounge Phoenix (PHX) - Chase Sapphire Lounge Philadelphia (PHL) - Chase Sapphire Lounge New York City (LGA) 🔗 LINK: Chase Sapphire Lounge Locations and Info: https://account.chase.com/sapphire-airport-lounge CHASE SAPPHIRE LOUNGE ACCESS | HOW TO GET IN | CREDIT CARDS - Chase Sapphire Reserve card: Unlimited visits, up to 2 free guests (then $27 each), children under 2 years are free. Authorized users get the same access as the primary cardholder. - JPMorgan Reserve card: Same access as the Chase Sapphire Reserve (above) - The Ritz-Carlton credit card: Unlimited visits, unlimited guests, children are free. Authorized users get the same access privileges. - Priority Pass (non-Chase): 1 free visit to 1 Sapphire Lounge by The Club per calendar year. Additional visits, and guests, cost $75 each. 🎬 VIDEO: How to Get Ritz-Carlton Credit Card https://youtu.be/OF2fLoZh7pE Unfortunately, the Chase Sapphire Preferred credit card does not have access at this time. CHASE SAPPHIRE LOUNGE ACCESS | HOW TO GET IN | THE STEPS 1. Enroll / activate Priority Pass membership 2. Present your physical or digital Priority Pass card at the front desk, plus your boarding pass within 3 hours of your flight. HOW TO ENROLL IN PRIORITY PASS (CHASE) 1. Sign into Chase 2. Click on your card 3. Click on 'More options' (i.e. 3-dots icon) 4. Choose 'Card benefits' 5. Scroll down to Complimentary Airport Lounge Access section and enroll - NOTE: You can also call the number on the back of your credit card to enroll 🔗 ACTIVATE PRIORITY PASS HERE (After enrolling with Chase): https://www.prioritypass.com/activate-your-account Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #airportlounge #loungelife

I got a HUGE BOX for my Bank of America Premium Rewards ELITE card! Watch me unbox this metal credit card and all the fancy packaging that comes with it! Click “Show More” to see Ad Disclosure. 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join My Bank of America Premium Rewards Elite credit card arrived! It was shipped by UPS and expedited by default, being delivered in about 2-3 business days. I was surprised at how large the box was and the overall elevated packaging of the card. It’s a metal credit card weighing ~ 17 grams, roughly the same as the Capital One Venture X card, slightly less than the Amex Platinum Card at 18 grams, and a lot heavier than the Chase Sapphire Reserve at 12 - 13 grams. Of all of these premium travel credit cards, the BOA Elite card is currently the least rewarding on its own (although it has the best marketing appearance) :D The Bank of America Premium Rewards Elite card earns 2X points on Travel and Dining, plus 1.5X points on all other purchases. It’s not a good rewards structure on its own, though it does get a lot more competitive if you’re also in the Bank of America Preferred Rewards program (granting an additional 25%, 50%, or 75% boost on those earning rates depending on the level you’re at). That said, without the BOA Preferred Rewards program in place, cards like the Chase Sapphire Preferred, Capital One Venture X, or Amex Platinum Card will be better options to have if you frequently spend money on airfare or want access to transfer partners for higher value redemptions. 🔗 Learn more about the Bank of America Preferred Rewards program here: https://promotions.bankofamerica.com/preferredrewards/en As for the Bank of America Premium Rewards Elite benefits, it comes with up to $550 in statement credits (all automatically issued). It offers up to $300 toward airline incidental charges (like seat upgrades, baggage fees, airline lounge fees, and in-flight services), a $150 Lifestyle Credit (for things like video streaming services, food delivery, fitness subscriptions, and rideshare services), and a $100 TSA PreCheck or Global Entry credit every 4 years. Additionally, when you redeem Bank of America points for airfare, you’ll get a 20% discount when you pay with points via the Bank of America travel portal. The card also includes a Priority Pass Select membership for access to airport lounges (and partner restaurant and retail locations), among other benefits. 🎬 VIDEO: Watch Me Apply for the Bank of America Premium Rewards Elite Card! https://youtu.be/O6Hydnk1oMA 🔗 BLOG POST - Doctor of Credit - Bank of America 7/12 Rule | Bank of America 3/12 Rule https://www.doctorofcredit.com/report-bank-of-america-7-12-rule-3-12-rule-for-new-cards/ Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bankofamerica #creditcardunboxing

Are travel credit cards worth it?! If you can’t handle these 6 things, then the answer is a BIG NO! Learn what these things are BEFORE you apply for your next credit card. Click “Show More” to see Ad Disclosure. 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join If you’re considering applying for a travel credit card, then there are a number of things you’ll have to deal with to ensure the card makes sense. 1 | Annual Fees Many travel credit cards have annual fees of $95 and up. For instance, the Chase Sapphire Preferred has a $95 annual fee, the Chase Sapphire Reserve has a $550 annual fee, the Amex Platinum Card has a $695 annual fee, the Amex Gold Card has a $250 annual fee, the Citi Premier Card has a $95 annual fee, and the Capital One Venture X has a $395 annual fee. However, a lot of these premium travel credit cards come with benefits that can outweigh the cost (e.g. airport lounge access via a Priority Pass membership). 2 | Devaluations Credit card points and miles tend to lose value over time. This is why the phrase “earn and burn” is so common in the industry. A hotel costing 60,000 points now might cost 80,000 points in the future. Once you have enough rewards to take a trip, it’s probably a good time to book it. To help hedge against this, it’s often best to focus on flexible and transferrable points as those tend to get devalued less often and less dramatically. Examples include Chase Ultimate Rewards points, Amex Membership Rewards points, Citi ThankYou points, Capital One Venture miles, and Bilt Rewards points. 3 | Expiration Dates Here we’re referring to points and miles, credits, certificates, and other benefits. All of these typically have a lifespan (e.g. monthly, quarterly, annually, etc.) before they expire or renew, and many do not roll over. 4 | Managing Benefits The credit card benefits you receive have terms, restrictions, availability constraints, and some work required in order to maximize them. Be sure you’re able to juggle them in order to more easily justify any annual fees. 5 | Learning Curve Unlike cash back credit cards, travel credit cards are much more complex. Their rewards often require you to plan in advance because award availability for certain flights or hotels may not be open year-round. The value of points or miles from one program may also have entirely different values compared to another program, so you’ll want to learn the average values for Chase Ultimate Rewards points, Amex Membership Rewards points, etc., including the rewards values for airline and hotel programs. Additionally, you’ll want to understand transfer partners and airline alliances to take better advantage of your rewards (e.g. redeeming points for maximum value). 6 | Bigger Spend Requirements In order to earn the credit card signup bonuses, you’ll find that the spend requirements are oftentimes higher on travel credit cards. Make sure your monthly budget allows for the required spend prior to applying (otherwise, you’ll likely want to avoid getting the card). Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcard #credit

Want to know what FIRST CLASS on Spirit Airlines is REALLY like? Here’s your beginners guide to everything you need to know and what to expect! Click “Show More” to see Ad Disclosure. 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join First…the BIG question. Does Spirit Airlines have first class? Technically, no, BUT they do have first class seats! These are called the Spirit Big Front Seats and they give you more width and pitch (fancy talk for more leg room). In other words, the Spirit Big Front Seat is basically a first class seat WITHOUT first class service. That’s because with Spirit Airlines, you DO NOT get the following amenities with the Big Front Seat: - Priority check-in - Priority security - Priority boarding - Separate cabin - Complimentary food - Complimentary drinks - Free checked bag - Elevated rewards All of these types of benefits normally come with a first class ticket. 🔗 Interestingly, the View from the Wing blog explains ‘The Super Weird Reason Spirit Airlines Offers A First Class Seating Option’ in their blog post here: https://viewfromthewing.com/the-super-weird-reason-spirit-airlines-offers-a-first-class-seating-option/ So, how to fly Spirit First Class? Well, you can either PAY or BID for your Spirit Big Front Seat (and pricing varies)! - You can pay during the booking process as part of the seat selection - You can pay after the booking process as a seat change - You can bid when given the option via email How much is the Spirit Big Front Seat? It varies quite a bit. I did 4 searches and got different pricing each time. The SAN to LAS flight was $56, the MIA to ATL flight was $86, the PHX to LAS flight was $152, and the BAQ to FLL flight was $78. What are the Spirit Big Front Seat benefits? - You can get access to food and drink for an additional fee (although so can everyone else). 🔗See the Spirit Food Menu at this link: https://customersupport.spirit.com/en-us/category/article/KA-01225 - There’s a large tray table located in the armrest - The center armrest is very big - The seat is well padded and much more comfortable than the standard seat - You get a real seatback pocket! - It’s really easy to access the restroom What about the cons? - There’s no first class service - You cannot further recline your seat - There are no power outlets - There’s no inflight entertainment - There are no free upgrades (and currently, you cannot redeem Spirit points to upgrade either) Is Spirit Airlines First Class Worth It? // Is Spirit Airlines Big Front Seat Worth It? Probably YES if… - You’re on a longer flight - You have physical needs - You have a personal preference Probably NOT if… - You’re on a short flight - You don’t have a need or desire for it - Your goal is to save money on flights or travel overall Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #spiritairlines #budgettravel #howtotravel

I’m applying for the Bank of America Business Premium Rewards ELITE card with a BIG 75K offer! I’ll walk you through the application, show you my credit score, and more. Did I get approved? Watch to find out! Click “Show More” to see Ad Disclosure. 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25! (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join There are a number of premium travel credit cards on the market right now, including the Chase Sapphire Reserve, Amex Platinum Card, and Capital One Venture X. More recently, Bank of America decided to get into the game and launched their Premium Rewards Elite card. Since the moment it was released until June 2023, it had a 50,000 point welcome offer, which didn’t cover the cost of the $550 annual fee. But NOW it has an elevated offer of 75,000 points (finally!) worth $750 towards travel or cash back. That more than covers the annual fee, and then the other benefits add value from there. The spend requirement is $5,000 within the first 90 days to earn that bonus. The Bank of America Premium Rewards Elite card also earns 2X points on Travel and Dining, plus 1.5X points on all other purchases. It’s not a good rewards structure on its own, though it does get a lot more competitive if you’re also in the Bank of America Preferred Rewards program (granting an additional 25%, 50%, or 75% boost on those earning rates depending on the level you’re at). That said, without the BOA Preferred Rewards program in place, cards like the Chase Sapphire Preferred, Capital One Venture X, or Amex Platinum Card will be better options to have if you frequently spend money on airfare or want access to transfer partners for higher value redemptions. 🔗 Learn more about the Bank of America Preferred Rewards program here: https://promotions.bankofamerica.com/preferredrewards/en As for the Bank of America Premium Rewards Elite benefits, it comes with up to $550 in statement credits (all automatically issued). It offers up to $300 toward airline incidental charges (like seat upgrades, baggage fees, airline lounge fees, and in-flight services), a $150 Lifestyle Credit (for things like video streaming services, food delivery, fitness subscriptions, and rideshare services), and a $100 TSA PreCheck or Global Entry credit every 4 years. Additionally, when you redeem Bank of America points for airfare, you’ll get a 20% discount when you pay with points via the Bank of America travel portal. The card also includes a Priority Pass Select membership for access to airport lounges (and partner restaurant and retail locations), among other benefits. My credit score was 766 on Experian, 807 on TransUnion, and 817 on Equifax. I had 11 inquiries on Experian, 5 inquiries on TransUnion, and 2 inquiries on Equifax. In terms of how many newly opened accounts that appeared on my Experian credit report, I had 2 in the past 6 months, 6 in the past 12 months, and 8 in the past 24 months. Bank of America pulled Experian for my personal credit card application in my region. My average age of credit history was 4 years 5 months. My Bank of America relationship consisted of 1 personal checking account, 1 personal savings account, 1 personal credit card, and 2 business credit cards. 🔗 Doctor of Credit article - Bank of America 7/12 Rule | Bank of America 3/12 Rule https://www.doctorofcredit.com/report-bank-of-america-7-12-rule-3-12-rule-for-new-cards/ Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bankofamerica #creditcardapply

The Chase Sapphire Preferred WON my vote for the #1 travel credit card for beginners! Learn my top 6 (actually 7) reasons why to determine if it’s a good choice for you. Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 SEE CHASE SAPPHIRE PREFERRED OFFER! http://markscreditcards.com/sapphirepreferred 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join Are you new to the world of travel credit cards and looking for one to help you save money on your next vacation? The Chase Sapphire Preferred can be an excellent choice! While it may not be the right credit card for everyone, it surely offers one of the best overall rewards and benefits packages while being easy to use. While it’s likely NOT going to be a good choice if you’re looking for your first credit card ever, it can be a solid choice as your 2nd (or later) credit card (and perhaps first TRAVEL credit card) after building your credit for about a year with a good credit score. Here are my Top 7 Reasons why the Chase Sapphire Preferred is a great choice… Note: Terms apply to all Chase offers, rewards, and benefits. Visit chase.com to learn more. Reason 1: High-Value Welcome Offer. You can earn 60,000 Chase Ultimate Rewards points after spending $4,000 in the first 3 months. These Chase points are worth $600 toward cash back or $750 toward travel (at a minimum). Getting a lot of points quickly up front is an awesome way to save a lot of money on a trip that isn’t too far away. Reason 2: Good Reward Multipliers. The CSP earns 5X on Travel via the Chase Ultimate Rewards Portal, 3X Dining, 3X Online Grocery, 3X Select Streaming, 2X Other Travel, and 1X Other Purchases. Certain restrictions apply (see video for more). Reason 3: Strong Rewards Value. When you have the Chase Sapphire Preferred, you’ll be earning Ultimate Rewards points. 1 point = 1.0¢ towards cash back or 1.25¢ towards travel at a minimum. Having these guaranteed, flat-rate values makes for a compelling rewards program without much hassle. Reason 4: High Rewards Flexibility. You can redeem Chase points in a variety of ways, including using Chase Transfer Partners to gain access to higher potential value. Currently these include: AIRLINES - Aer Lingus AerClub - Air Canada Aeroplan - British Airways Executive Club - Air France-KLM Flying Blue - Emirates Skywards - Iberia Plus - JetBlue TrueBlue - Singapore Airlines KrisFlyer - Southwest Airlines Rapid Rewards - United MileagePlus - Virgin Atlantic Flying Club HOTELS - IHG One Rewards - Marriott Bonvoy - World of Hyatt Reason 5: Comprehensive Protections. The Chase Sapphire Preferred gives you both travel protections and retail protections. See video to learn more. Reason 6: Benefits Cover the Annual Fee. From the $50 Hotel Credit and Partner Benefits with Lyft, DoorDash, Instacart, and Gopuff, there are a lot of ways to cover the $95 annual fee very easily. Reason 7: Part of a Card Ecosystem. You can combine Chase Sapphire Preferred points with other Chase credit cards, including the Chase Freedom Flex and Chase Freedom Unlimited. And on the business side, the Chase Ink Business Unlimited, Chase Ink Business Cash, and Chase Ink Business Preferred all earn Ultimate Rewards points, too. You can pool ALL of them together into 1 point balance and make them ALL worth 1.25¢ (or more) towards travel! Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #creditcard

Got denied for a credit card? Here are the TOP 10 reasons why most people get denied and what YOU can do to increase your chances of approval! Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join Reason 1 - Wrong Card…Wrong Time: There are beginner credit cards meant for building credit (like student credit cards and secured credit cards), rebuilder credit cards meant to help you rebuild credit after a previous mishap, and rewards credit cards that are designed for people who’ve established a healthy credit track record (examples include airline credit cards, hotel credit cards, and more general travel options like the Amex Gold Card, Amex Platinum Card, Chase Sapphire Preferred credit card, and others). Reason 2 - Short Credit History: Generally, the longer your credit history, the better your credit score. Reason 3 - Not Knowing Bank Rules: The Chase 5/24 Rule, Amex Lifetime Rule, Citi 48 Month Rule, and Bank of American 2/3/4 Rule are examples of rules you’ll want to be aware of prior to submitting an application. 🎬 VIDEO - How to Get Approved for Chase Credit Cards (Chase Application Rules): https://youtu.be/mlGWG5btFmc 🎬 VIDEO - How to Get Approved for Amex Credit Cards (Amex Application Rules): https://youtu.be/X4afVAbhc4g Reason 4 - High Debt or Utilization: Keeping your reported credit utilization on the lower side is helpful when applying for more credit. Generally, under 30% is good and under 10% is great. Reason 5 - Derogatory Marks: Keep your credit report free from late payments, foreclosures, charge offs, bankruptcies, etc. Reason 6 - Too Many Recent Inquiries: Recent inquiries look like you may be a riskier borrower, so limit these prior to applying for a new card. Reason 7 - Too Many Newly Opened Accounts: New accounts being opened on your credit report also looks like a higher-risk behavior. Consider waiting for some time between credit card applications. Reason 8 - Credit Score Too Low: Although minimum credit score requirements aren’t published, you’ll want to focus on increasing your score over time. Reason 9 - Income Too Low: Although minimum income requirements aren’t published, a lender may also look at your debt-to-income ratio (DTI ratio) to make sure you have enough capital to repay debts. Reason 10 - Too Much Credit Already Given: Consider a credit line reallocation, if allowed. TIPS: HOW TO GET APPROVED FOR CREDIT CARDS! 1. Pay down your existing debts as much as you can. 2. Report low utilization on existing credit cards. 3. Get your credit score up. 4. Wait for inquiries to fall off and new accounts to age. 5. Learn the credit card application rules for different banks. 6. Increase your income. 7. Put financial responsibility above the credit card game. 8. Apply for the right credit card(s) based on your credit profile. 9. If denied, call the reconsideration line. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #creditcardapply #creditcard

I applied for the U.S. Bank Altitude Connect card and got DENIED! Learn why and how I potentially could have avoided this. (PLUS: details about my credit score!) Click “Show More” to see Ad Disclosure. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - How Many Credit Cards Should I Have? https://youtu.be/aM77beAGgzI 🎬 VIDEO - How Often to Apply for Credit Cards https://youtu.be/2p7egp0iz9M 🎬 VIDEO - When to Pay Credit Card Bill to Increase Credit Score https://youtu.be/BtIwGldr9rY You may have seen my video from 1-2 weeks ago about applying for TWO credit cards at the same time (that is, two in the same day). One of those credit cards was the U.S Bank Altitude Connect Visa Signature. I wanted it for the welcome offer to earn 50,000 points after spending $2K in the first 120 days. That signup bonus is worth $500 towards travel or cash back, and the $95 annual fee is waived in Year 1. It's also got a great 'general purpose' rewards category of 4X points for travel (and 4X on gas). Unfortunately, U.S. Bank denied my application. The reason… “Maximum amount of unsecured credit already available.” In other words, I already have the maximum amount of credit that U.S. Bank is willing to lend me at this time. This was likely due to my overall profile, including credit score, income level, debts owed, and more. There wasn’t a way for me to know this prior to applying. Normally, this wouldn’t be much of an issue if I could use some existing credit from one of my other U.S. Bank cards to open this new one. But, U.S. Bank does not allow this in my experience. When I called the U.S. Bank reconsideration line to ask about this, I was simply told “no.” So…I got stuck and had to accept the decision for now! Regarding my relationship with U.S. Bank, it was as follows… - 1 personal checking account, 1 personal savings account, 1 business checking account, 2 personal credit cards, 1 business credit card. That said, I also learned the U.S. Bank pulled Experian and used the FICO 9 Score model (my score was 779 as of 5.11.2023). 📞 U.S. Bank Reconsideration Line: https://www.usbank.com/customer-service/knowledge-base/KB0069779.html Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcardapply #creditcards #creditcard

Got the Amex Platinum Card? You’ve got A TON of airport lounge access! Learn about how to get into the Centurion Lounge, Priority Pass lounges, Escape Lounges, and MUCH MORE with your card! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 00:00 - INTRO 00:52 - AMEX CENTURION LOUNGES - To get in, show your Amex Platinum Card or Eligibility Code; boarding pass for a confirmed, same-day reservation on any airline in any class; and a government-issued photo ID. - This is a departure-only lounge. You can use it up to 3 hours prior to takeoff. - For the Centurion Lounge guest policy, you can bring in 2 guests free after spending $75K per year on your Amex Platinum Card. Otherwise, children under 2 years are free with proof of age, children between 2-17 are $30 each, and adults 18+ are $50 each. - Amex Centurion Lounge locations: https://www.thecenturionlounge.com 4:44 - ESCAPE LOUNGES - THE CENTURION STUDIO PARTNER - To get in, show your Amex Platinum Card or Eligibility Code; boarding pass for a confirmed, same-day reservation on any airline in any class; and a government-issued photo ID. - This is a departure and arrival lounge and and there’s no limit to how long you can stay (until lounge closing) - For the Escape Lounge guest policy, you can bring in 2 free guests. Children under 2 years are free, additional guests pay the guest pass rate. - Escape Lounge locations (US): https://escapelounges.com/us/locations/ - Escape Lounge locations (UK): https://escapelounges.com/uk/locations/ 8:43 - DELTA SKY CLUBS - To get in, show your Amex Platinum Card; boarding pass for a confirmed, same-day reservation on a Delta-operated (Delta or Delta Connection) or Delta-marketed flight operated by WestJet in any class; and a government-issued photo ID. - This is a departure and arrival lounge and you can use it up to 3 hours prior to your flight. - For the Delta Sky Club guest policy, you can bring up to 2 guests or immediate family (spouse / domestic partner & children under 21 years of age) at the Day Pass Rate ($50 per person per visit as of May 2023) - Delta Sky Club locations: https://www.delta.com/us/en/delta-sky-club/locations 10:21 - AIRSPACE / ASPIRE LOUNGES - See video for details, I ran out of room in the description! 11:56 - PLAZA PREMIUM LOUNGES - To get in, show your Amex Platinum Card; boarding pass for a confirmed, same-day reservation on any airline in any class; and a government-issued photo ID. - Entry requirements may vary, but many are departure and arrival lounges. Time allocations may vary, but likely up to 3 hours. - For the Amex Plaza Premium Lounge guest policy, you can bring in 2 free guests. Children under 2 years are free. Additional guests pay the guest pass rate (children aged 2-11 get a discounted rate, currently 30% off as of May 2023) - Restrictions: Amex Priority Pass memberships EXCLUDE restaurant, spa, and retail locations. - Plaza Premium Lounge locations: https://www.plazapremiumlounge.com/en-uk 13:51 - PRIORITY PASS SELECT LOUNGES (AMEX) - To get in, show your Priority Pass membership card (physical or digital); boarding pass for a confirmed, same-day reservation on any airline in any class; and a government-issued photo ID. - Entry requirements may vary, but many are departure and arrival lounges. Time allocations may vary, but many allow up to 3 hours. - For the Amex Priority Pass guest policy, you can bring in 2 free guests. The policy for children may vary, but many lounges allow children under 2 years for free. Additional guests pay the guest pass rate. - Restrictions: Amex Priority Pass memberships EXCLUDE restaurant, spa, and retail locations. - Priority Pass Lounge locations: https://www.prioritypass.com 17:03 - LUFTHANSA LOUNGES - See video for details, I ran out of room in the description! Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #amex #americanexpress #creditcard

Which is the BEST travel credit card between the Amex Platinum Card and the Delta SkyMiles Reserve? Find out with this side by side comparison (you’ll be shocked at the similarities)! Click “Show More” to see Ad Disclosure. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - Delta SkyMiles Reserve Card Review https://youtu.be/KOy4G2OhDsk 🎬 VIDEO - Do THIS to Get the Amex Platinum 150K Offer NOW! https://youtu.be/0B1VkNKtEVM 🎬 VIDEO - Are Airline Credit Cards Worth It? https://youtu.be/WhOdp8Qfyus The American Express Platinum Card and Delta SkyMiles Reserve American Express Card are two high-end travel credit cards. While some of their benefits are very similar (even identical at times), these travel credit cards still serve 2 very distinct purposes. WELCOME OFFERS (May 2023) The Amex Platinum Card’s public welcome offer is to earn 80K Amex Membership Rewards points after spending $6K in the first 6 months. This is worth $800+ toward flights and the card has a $695 annual fee. The Delta SkyMiles Reserve’s public welcome offer is to earn 50,000 Delta SkyMiles and 10,000 Delta MQMs after spending $5K in the first 6 months. The miles portion of this offer is worth around $550 on average and the card has a $550 annual fee. EARNING POINTS / MILES The Amex Platinum Card earns in the following ways: - 5X Flights (Directly with Airlines or via the Amex Travel Portal, up to $500K per year) - 5X Hotels (Via the Amex Travel Portal when they’re prepaid) - 1X Other Purchases The Delta SkyMiles Reserve Card earns in the following ways: - 3X Delta Purchases (Directly with Delta) - 1X Other Purchases REDEEMING POINTS / MILES - Amex Membership Rewards points earned from the Amex Platinum Card are worth 1.7¢ each on average towards travel via Amex Transfer Partners, 1.0¢ each towards flights via the Amex Travel Portal, and 0.6¢ each via cash back as a statement credit. - Delta SkyMiles earned from the Delta SkyMiles Reserve card are worth 1.1¢ each on average towards flights. AMEX PLATINUM CARD BENEFITS | DELTA SKYMILES RESERVE BENEFITS - The American Express Platinum Card offers a bunch of credits for travel ($789) and retail / lifestyle ($1,095). - Both cards offer up to $100 for TSA PreCheck or Global Entry. - Both cards offer airport lounge access to the Amex Centurion Lounges and Delta SkyClubs, but the Amex Platinum Card offers additional access including Priority Pass, Plaza Premium Lounges, and more. - The Amex Platinum Card offers elite status with Marriott Bonvoy, Hilton Honors, and several car rental companies (Hertz, Avis, National). The Delta Reserve Card offers benefits specifically with Delta (Delta Status Boost, MQD Waiver, Complimentary Upgrades, Upgrade Priority). - For flight-specific benefits, the Amex Platinum Card allows you to Upgrade with Points on select airlines (Delta is not currently an option). The Delta SkyMiles Reserve includes benefits like TakeOff 15, an Annual Companion Certificate, Free 1st Check Bag, 20% inflight discount, and Priority Boarding. - Additional benefits mentioned in the video. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #amex

I found 3 of the BEST credit cards for travel & put them together to create an awesome TRIFECTA! Each one has unique rewards & benefits to make your next vacation a whole lot better (and more affordable). Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join To create my own Best MIXED Credit Card Trifecta, I had to meet certain criteria: 1. Each of the 3 travel credit card had to be from a different issuer. 2. None of the credit card rewards categories and benefits could have too much overlap. 3. All of the rewards had to give good value for travel. 4. The credit card annual fees had to be easily justified without too much hassle. 5. All of the credit cards had to provide long term value. Here are the 3 credit cards I chose and a little bit into the ‘why’… 1. Capital One Venture X: This is an excellent premium travel credit card that can give you $750+ in value from the welcome offer in Year 1. It also has strong rewards categories (up to 10X miles!) for select travel purchases and also earns 2X miles at a minimum for all standard purchases. For the $395 annual fee, you’ll receive an annual $300 travel credit, a 10,000 mile anniversary bonus (worth $100+ towards travel via the Capital One Travel portal), airport lounge access (Capital One Lounges, Plaza Premium Lounges, and Priority Pass Lounges), elite status and/or discounts with partner rental car companies, and more! 2. American Express Gold Card: If you eat food and like to travel, this card can make a lot of sense to get. After earning 60,000 Amex Membership Rewards points (or more) in Year 1, you’ll continue earning 4X points on Groceries at U.S. Supermarkets (up to $25K/year) and 4X on Dining Worldwide (including takeout and delivery in the U.S.). Despite the $250 annual fee, it comes with an annual $120 dining credit and a $120 Uber Cash benefit to help offset it. 3. Citi Custom Cash Card: This card is unique in that it earns 5X points in YOUR Top Spend Category each billing cycle from a preset list of 10 categories (max. $500/month). So, you can strategically use this card to capture a high return on spend in a category you choose that’s not covered by the other two cards. Furthermore, both the Amex Gold card and Capital One Venture X give you access to some excellent transfer partners, a number of which overlap so you can indirectly combine your rewards! Of course, there are plenty of other credit card trifectas you can create for yourself (including the popular Amex Trifecta and Chase Trifecta). Some of you may want to make your own with the likes of the Amex Platinum Card, Chase Sapphire Reserve, Chase Sapphire Preferred, or others. As always, choose the cards that fit into your lifestyle and work with your spending habits. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #americanexpress #capitalone

Want to travel to Europe CHEAP? I’ll show you how to use credit card points for your flight so you can save TONS of money. Sit back, relax, and enjoy the (almost) free flight! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join 🎬 VIDEO - Beginner's Guide to Transfer Partners for BIG Value https://youtu.be/ae1WayyrwnE Europe is a destination so many people want to go to from the United States. Fortunately, learning how to fly to Europe cheap is easy once you learn how to use credit card points! We’ll look at 3 major airline programs along with some sample itineraries, plus the credit cards you may want to get to make it all happen! 00:00 - INTRO 00:13 - AIR CANADA AEROPLAN: This is still a distance-based airline rewards program, meaning the number of points you’ll need to redeem is based on the distance flown. In the video you’ll find 3 examples of how to fly from New York (JFK) to Frankfurt (FRA), Rome (FCO), and London (LHR). Air Canada is part of the Star Alliance, so you can use your Aeroplan points to fly on partner airlines like ANA, Avianca, Lufthansa, Singapore Airlines, United Airlines, and others. To earn Air Canada Aeroplan points, you’ll want to start with the following programs and credit cards: - American Express Membership Rewards Points: Any Amex credit card that earns these points will allow you to use Amex Transfer Partners, including the Amex Platinum Card, Amex Gold Card, and Amex Green Card - Chase Ultimate Rewards Points: You’ll want to obtain Chase credit cards that give you access to Chase Transfer Partners. The current options include the Chase Sapphire Preferred, Chase Sapphire Reserve, and Chase Ink Business Preferred. - Capital One Venture / Spark Miles: You can get any Capital One credit card that earns Venture miles (e.g. Capital One VentureOne card, Capital One Venture Rewards card, Capital One Venture X card) or a Capital One Spark business card that earns miles. - Bilt Rewards points: The only option at this time is the Bilt Mastercard / Bilt Credit Card. All of the programs transfer directly to Air Canada Aeroplan. 08:17 - AIR FRANCE-KLM FLYING BLUE: A great airline rewards program to fly to Europe. There’s no published award chart anymore, but they do have a useful calculator located at this link: https://www.flyingblue.fr/en/earn-spend/flights/rewards Sample itineraries include Los Angeles (LAX) to Paris (CDG), Dallas-Fort Worth (DFW) to Amsterdam (AMS), and Atlanta (ATL) to Barcelona (BCN). All 5 major travel credit card rewards programs transfer to Flying Blue (Amex, Chase, Capital One, Citi, Bilt). For Citi, just the Citi Premier Card offers access at this time. Air France and KLM are both part of the SkyTeam Alliance. 13:31 - UNITED MILEAGEPLUS: This is an excellent U.S. airline for flying to Europe. In the video I go over possible routes from New Jersey (EWR) to Athens (ATH), Miami (MIA) to Vienna (VIE), and Chicago (ORD) to Dublin (DUB). United Airlines is another Star Alliance airline (same as Air Canada). You can get United miles by transferring directly from both the Chase Ultimate Rewards program and the Bilt Rewards program. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #traveleurope #europetravel

If I could have ONE credit card, which one would I choose?! THIS video reveals my #1 best credit card (at least for me personally) right now. Is it a good choice for you, too? Click “Show More” to see Ad Disclosure. 💳👉 VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 📊 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 📊 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join For this year, if I could only use 1 credit card, it wouldn’t be the Amex Platinum Card or the Amex Gold Card or the Chase Sapphire Preferred. I’d choose the U.S. Bank Altitude Reserve Visa Infinite Card! Here’s why… 1. The intro offer of 50,000 points after spending $4.5K in the first 90 days is excellent. That’s worth $500 towards cash back or $750 towards travel. 2. The rewards structure includes two categories that earn 3X points, specifically, 3X Travel and 3X Mobile Wallet Purchases. Having a broad ‘travel’ category is very useful as it works for airlines, hotels, rental cars, and more (even if you do not book via the U.S. Bank travel portal)! Even better is earning 3X on mobile wallet transactions. As long as a merchant accepts the likes of Apple Pay or Android Pay, then the specific category doesn’t matter…you’ll earn 3X points regardless! Ever wondered what one of the best credit cards for Costco or Target is? This one! 3. Points are worth 1.5¢ each towards travel (and 1.0¢ each towards cash back). That’s a guaranteed flat rate redemption without needed to strategize. The U.S. Bank Real Time Rewards method is AMAZING. Once you enroll, you’ll get automatic text messages after making a travel purchase asking you if you want to redeem points. If you reply with ‘Redeem,’ then that’s it…you’re done and a statement credit will be on its way! 4. Airport lounge access via Priority Pass. The U.S. Bank Altitude Reserve gives you 4 free visits to Priority Pass lounges each year, plus 4 guest passes. 5. Visa Infinite Luxury Hotel Collection. This separate portal gives you benefits that function like a light level of hotel elite status at hundreds of properties worldwide. By this I mean things like room upgrades, complimentary breakfast for 2, late check-out, and more! 6. Up to $100 credit for TSA PreCheck or Global Entry. 7. No Foreign Transaction Fees, plus it’s a Visa credit card, so it will be accepted across the globe. 🔗 Visa Infinite Benefits - U.S. Bank Altitude Reserve: https://www.myvisacardportal.com/usbank/en_us/altitude/altitudereserve/visabenefits.html 🔗 Insurance and Protections - U.S. Bank Altitude Reserve: https://www.myvisacardportal.com/usbank/en_us/altitude/altitudereserve/protections.html On the whole, the U.S. Bank Altitude Reserve credit card is a fantastic all around travel credit card. You get the basics of a premium credit card without a bunch of perks that require ‘work’ or management to use them. Plus, although there aren’t any transfer partners, the ability to get a guaranteed 1.5¢ per point value is compelling. Simplicity is key with this card, and it delivers very well. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #creditcards #bestcreditcards #creditcard

Take a look inside my wallet to see which credit cards I’m using for Q2 2023! You’ll notice I’m more travel credit card focused at the moment (with a special focus on a couple Citi credit cards). Click “Show More” to see Ad Disclosure, links, and additional information below. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr https://markscreditcards.com/maxrewards Ⓜ️ CARDMATCH - Check for Targeted Amex Platinum 150K Offer | Amex Gold 90K Offer | More! https://markscreditcards.com/cardmatch 💳🤝 AMEX PLATINUM REFERRAL LINK - Check for Targeted 150K Offer! (Copy & paste into private / incognito window) https://markscreditcards.com/referamexplatinum 💳🤝 AMEX GOLD REFERRAL LINK - Check for Targeted 90K Offer! (Copy & paste into private / incognito window) https://markscreditcards.com/referamexgold 💥 BILT MASTERCARD💥 https://markscreditcards.com/bilt 💳👉 VIEW MORE CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! https://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) https://markscreditcards.com/sofibanking 🤑 GET FREE STOCKS FROM MOOMOO https://markscreditcards.com/moomoo 📈 GET FREE STOCKS FROM WEBULL https://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://markscreditcards.com/aura 🥇 CHANNEL MEMBERSHIP - VIP Perks! https://markscreditcards.com/join For Q1 2023, I’m focusing my credit card rewards across 7 credit cards with an additional focus on travel points for future trips: 1. Citi Custom Cash Card: With it’s flexible 5% rewards category that can change every month, I’m using this card to earn 5% back on restaurants for April. 2. Hilton Honors Business Card: For my upcoming trip to Florida, I’ll be staying at a Hilton hotel (Hilton Fort Lauderdale Marina) and paying cash. Since this Hilton credit card earns 12X points at Hilton (approximately a 6% return), it’ll be an excellent choice to earn points fast! (Plus, it also gives me Hilton Honors Gold Status for a daily $15 food credit per person, up to 2 people). 3. Citi Premier Card: I’m using this card to pay for gas (it earns 3X here). Since Citi might release a new card or two (i.e. the Citi Strata Premier and the Citi Strata Elite), I’m focusing on using my existing Citi credit cards in the hopes it may help with a future approval for either of those possible new card releases. Note: Citi may like to see use of existing cards when making credit card application decisions. 4. Bilt Mastercard: I’m using the Bilt Credit Card for my dining purchases from May - June. This will allow me to satisfy the 5 transaction requirement each month to earn Bilt points. 🎬 VIDEO: Bilt Mastercard Review | Bilt Credit Card Review https://youtu.be/y6z9ucu8Cms 5. Chase Freedom Flex: The Chase Freedom Flex calendar currently awards 5% cash back (in the form of 5X Chase Ultimate Rewards points) on purchases at Lowe’s and Amazon. This is my card of choice for Amazon purchases, as well as Lyft (it also earns 5% / 5X there due to a partnership between Chase and Lyft through March 31, 2025). 6. Amex Gold Card: Due to a referral bonus, I’m using this card to earn 9X Amex Membership Rewards points for 3 months on all supermarket spend (i.e. 4X standard + 5X referral bonus). 🎬 VIDEO: Do THIS to Get the Amex Gold 90K Offer NOW! https://youtu.be/pW6nLiXPXR0 7. Amex Platinum Card: This is my best credit card for lounge access, and I’d keeping it in my wallet in case I get to use the Escape Lounge Fort Lauderdale. 🎬 VIDEO: Do THIS to Get the Amex Platinum 150K Offer NOW! https://youtu.be/0B1VkNKtEVM Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #whatsinmywallet #bestcreditcards #americanexpress