Mark Reese // Credit & Finance

I decided to apply for the Amex Blue Cash Everyday card! Ever since it got updated to include 3% cash back on U.S. Online Retail Purchases, it’s been hot on my list. Did I get approved? Watch to find out! Click “Show More” to see Ad Disclosure. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗PRESS RELEASE - American Express® Enhances Blue Cash Everyday® Card with New Design, Cash Back Rewards, and Benefits: https://www.businesswire.com/news/home/20220714005286/en/American-Express%C2%AE-Enhances-Blue-Cash-Everyday%C2%AE-Card-with-New-Design-Cash-Back-Rewards-and-Benefits 🎬VIDEO - How to get APPROVED for American Express Credit Cards! (Amex Application Rules): https://youtu.be/X4afVAbhc4g On July 14, 2022, American Express relaunched the Blue Cash Everyday credit card with a new design and updated benefits, all without increasing the annual fee! Since then, the new rewards structure is as follows: - 3% Groceries at U.S. Supermarkets, up to $6K spend per year, then 1% - 3% U.S. Online Retail Purchases, up to $6K spend per year, then 1% - 3% U.S. Gas Stations, up to $6K spend per year, then 1% - 1% Other Purchases It also offers the following benefits: - The Disney Bundle: Get $7/mo. back, up to $84 per year, after spending $13.99+ per month on eligible subscriptions to The Disney Bundle. Enrollment required. - Home Chef Credit: Get up to $15/mo. back in statement credits, up to $180 per year, when you enroll & activate this benefit and charge Home Chef meal subscriptions to your card. Upon seeing that online retail category, I’ve had the Amex Blue Cash Everyday card on my ‘hot list’ of cards to apply for in the future. Very few credit cards offer elevated rewards for online shopping (another notable one is the Bank of America Customized Cash Rewards Card), so this is a major standout feature. Furthermore, there aren’t many Amex credit cards with a $0 annual fee, and this is one of them. In fact, I’d argue it’s one of the best cash back credit cards available right now. And best of all, since it earns cash back, it works well as part of a multi-card strategy. For instance, you could use it alongside the Citi Double Cash card, Citi Custom Cash card, Chase Freedom Flex card, and many others to help you cover a variety of different spend categories. The fact that it’s also a credit card with no annual fee makes it a great long-term keeper card, too. That way you can keep it open for years to come, build positive credit history and increase your credit score, without having to pay anything for it. Well…the day has arrived…it’s time to apply! 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. #americanexpress #creditcards #creditcardapply

I received my new Marriott Bonvoy Brilliant Card in the mail and now it’s time for an unboxing! I’ll also compare it to the old design and talk about why I’m keeping it despite the higher $650 annual fee. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese I opened my Marriott Bonvoy Brilliant account back in Aug. 2018 (at that time it was the SPG Luxury Credit Card). More recently on Sep. 22, 2022, Marriott and American Express relaunched the card with a higher annual fee (originally $450, now $650) and a handful of improved benefits. Here are the 4 Main Reasons why I’m keeping the Marriott Bonvoy Brilliant Card (at least for the foreseeable future): 1. $300 Dining Credit: This is issued as statement credits, up to $25/mo., and works at restaurants worldwide. I see this as a simple way to lower the effective annual fee to $350 as I already spend more than $25 per month at restaurants. 2. 85K Marriott Free Night Award: Each year you keep the card open and pay the annual fee, you’ll receive a Free Night certificate worth up to 85K points. This puts more Marriott luxury brands within reach, like Ritz-Carlton hotels, W hotels, JW Marriott hotels, St. Regis hotels, and more. Just be aware that this certificate only works for 1 night, so if you're staying at an expensive property for 2 nights or longer, then you'll need to have a lot of additional points or cash to pay for the remainder. 3. Complimentary Marriott Bonvoy Platinum Elite Status: As I see it, this is the sweet spot of the Marriott Bonvoy program. It offers a lot of really valuable benefits, including 50% more base points per stay, room upgrades including suites, a welcome amenity of points / breakfast benefit / other option, free premium Wi-Fi, lounge access, and more. 4. 25 Elite Night Credits Per Year: These act as if you had stayed an additional 25 nights each year. This is valuable for helping you achieve higher levels of elite status (e.g. Marriott Bonvoy Titanium) and also helps you work towards Marriott Lifetime Elite Status. I’m currently eyeing Marriott Lifetime Platinum, which requires being a Platinum Elite for 10 years and staying a total of 600 nights. On the whole, I see this hotel credit card as a fantastic way to get more value out of Marriott hotel stays, though make sure it fits in with your travel habits prior to adding it to your wallet. 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. #marriott #marriottbonvoy #americanexpress

Take a look inside my wallet to see which credit cards I’m using for Q4 2022! This time around you’ll find a blend of travel credit cards and cash back credit cards, each one with a unique purpose 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 http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese For Q4 2022, I’m focusing my credit card rewards across 7 cards: 1. Amex Gold Card: I’m using this Amex charge card for dining and grocery store spend as it earns 4X Amex Membership Rewards points in each of those categories. To offset the $250 annual fee, it also comes with a $120 dining credit at select merchants and a $120 Uber Cash benefit. Both of these are issued as $10/mo. and I make sure to use them. This makes the effective annual fee only $10. 2. Marriott Bonvoy Brilliant Card: I’m using this Amex credit card for the $25/mo. dining credit (up to $300/yr.), which is a new benefit that replaced the old $300 Marriott Bonvoy credit. This card provides me with massive value as it allows me to maintain Marriot Bonvoy Platinum Elite Status, offers 25 Elite Night Credits, issues a Marriott Free Night certificate worth up to 85,000 points, and more! 3. World of Hyatt Credit Card: I’m using this Chase credit card for the targeted, limited-time spend bonus allowing me to earn 10X points at gas stations. The same offer also awards 5X points at Amazon.com and grocery stores, all up to $1,500 in combined spend. However, I’m using other credit cards for those two categories. 4. Discover it Cash Back Credit Card: I’m using this cash back credit card to earn 5% cash back at Amazon.com and 5% cash back on mobile wallet transactions (i.e. Apple Pay). These are part of the Discover it cash back calendar for Q4 2022. 5. Chase Freedom Flex Card: I’m using this cash back credit card to earn 5% via PayPal. The Chase Freedom calendar also includes Walmart for Q4 2022, though I’m not shopping there at this time. Note: The Chase Freedom Flex issues cash back in the form of Chase Ultimate Rewards points. 6. Citi Custom Cash Card: I’m using this cash back credit card for its flexible 5% cash back category (i.e. 5% in your Top Spend Category from an eligible list). For me, I’m using this card exclusively for drug store purchases. Note: The Citi Custom Cash card issues cash back in the form of Citi ThankYou points. // Citi Custom Cash Categories: - Restaurants - Gas Stations - Grocery Stores - Select Travel - Select Transit - Select Streaming Services - Drugstores - Home Improvement Stores - Fitness Clubs - Live Entertainment 7. Amex Blue Business Plus Card: I’m using this Amex business credit card at my catch-all credit card (i.e. for all my non-bonus / non-category spend that would normally earn 1X - 1.5X on other credit cards) because it earns 2X on all purchases, up to $50K spend per year. The majority of my focus is on cash back credit cards right now, but I’m also adding some travel rewards with Hyatt because the targeted limited-time offer to earn 10X points at gas stations is so good! I also redeem my Amex Membership Rewards points for cash back via the Schwab Platinum Card, which allows me to cash out at a rate of 1.10¢ per point into my Charles Schwab brokerage account. I can then send the funds out to a linked checking 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. #whatsinmywallet #bestcreditcards #americanexpress

Which one should you get? TSA PreCheck, Global Entry, or CLEAR? Learn about each program, their benefits, and how much they cost so you can pick the right one and save time at the airport! 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 http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🥇 CHANNEL MEMBERSHIP - VIP PERKS! http://markscreditcards.com/join 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese TSA PRECHECK - TSA PreCheck is an expedited airport security program offered by the Transportation Security Administration (TSA). It’s currently available at 200+ airports and 80+ airlines. - How much is TSA PreCheck? 1st Time = $85 | Renewal = $70 - How long does TSA PreCheck last? Valid for 5 years. - TSA PreCheck Benefits: Helps you get through U.S. airport security faster & more conveniently (Nassau, Bahamas is now included). In short, it speeds up the physical screening process. You do not need to remove: shoes, laptop, belt, jacket, 3-1-1 liquids - How to Use TSA PreCheck: See video. CLEAR - CLEAR is an expedited security ID program offered by Secure Identity, LLC. It also has a bunch of other uses, including: entry to stadiums, health ID, and more. It’s currently available at 40+ cities. - How much is CLEAR? $189 for 1 year (less with United Airlines or Delta Airlines account). You can add kids under 18 for $0 and add adults 18+ = $60 ea. - CLEAR Benefits: Helps you get through U.S. (airport) security faster & more conveniently. In short, it speeds up the document / ID verification process by using biometrics and your government-issued ID on file. You then proceed to the front of the standard security line or TSA PreCheck line. - How to Use CLEAR at Airport: See video. GLOBAL ENTRY - Global Entry is an expedited U.S. Customs clearance program offered by the U.S. Customs and Border Protection (CBP) agency. Kiosks currently located at 58 U.S. airports and 17 international airports. - How much is Global Entry? $100 for 5 years, including renewals. - Global Entry includes TSA PreCheck. - Global Entry Benefits: Helps you get through U.S. customs faster & more conveniently when entering the U.S. after a trip abroad. You can avoid the long processing lines and physical paperwork. - How to Use Global Entry at Airport: See video. BEST OPTION? - If you’re a frequent traveler who also flies internationally, then consider getting Global Entry AND CLEAR. Global Entry comes with TSA PreCheck, and TSA PreCheck can be combined with CLEAR. That makes for a very powerful setup to get through airport security VERY QUICKLY :D 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. #tsaprecheck #globalentry #travel

🥇Join this channel to get VIP Member Perks! http://markscreditcards.com/join Hey everyone it’s Mark and I’m thrilled to announce that we’ve now crossed 45,000 subscribers and new people are still joining every single day! The bad news is that we’re at a tipping point where I can no longer guarantee a reply to every comment or question that comes in. The good news is that I’m launching a brand-new way for you to get even more value out of this channel as it continues to grow. It’s called Channel Memberships, and you can find them on the Main Page near my profile icon (i.e. the Join button) or on the About Tab under the Links section. When you become a Member, you’ll get access to exclusive perks, like: - Members-Only Polls to influence the direction of the channel. - Priority Reply to Comments to get answers to your questions. - Breaking News & Alerts to stay informed about credit card offers. - And MUCH more as the perks continue to evolve over time. Each membership level has a set price with no commitment, allowing you to start or stop whenever you like. So, find the level that works best for you & get started today! I look forward to better serving you in the months & years ahead. See you on the inside! 🥇Join this channel to get VIP Member Perks! http://markscreditcards.com/join Additional Links: -------------------- 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese #creditcards

Want to apply for an Amex credit card? Learn the Amex application rules FIRST so you can increase your chances of getting approved! I’ll also share what I do BEFORE an Amex credit card application. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO: Amex Platinum Card Easy to Get? https://youtu.be/vJ-5eM-pqAw 🎬 VIDEO: How Many Amex Cards Can You Have? https://youtu.be/tdSUo1h-ewY 🎬VIDEO: Amex Pop Up Window | Amex Pop Up Jail https://youtu.be/PpwLiesAzbo A lot of people want to apply for Amex credit cards and are often surprised when they get denied. To learn how to get approved for Amex cards, first study the Amex application rules. Following these rules does not guarantee an approval, rather, it may give you a higher chance of an approval. Amex Application Rule 1: Amex 1/5 Rule - You may get approved for 1 Amex credit card every 5 days. This does not apply to Amex charge cards, which include the: Amex Centurion Card, Amex Platinum Card, Amex Gold Card, Amex Green Card, and the Amex Plum Card. Amex Application Rule 2: Amex 2/90 Rule - You may get approved for 2 Amex credit cards every 90 days. This does not apply to Amex charge cards. Amex Application Rule 3: Amex 4-5 Credit Card Rule - This answers the question of “How many Amex cards can you have?” - You may get approved for a maximum of 4 or 5 Amex credit cards. This does not apply to Amex charge cards. Amex Application Rule 4: Amex 10 Charge Card Rule - You may get approved for a maximum of 10 Amex charge cards. This applies to the: Amex Centurion, Platinum, Gold, Green, and Plum Cards. Amex Application Rule 5: Credit Score Requirements - This answer the question of “What credit score do you need for American Express cards?” - Unfortunately, the Amex credit score requirements are not published and they may vary from one credit card or charge card to another. I’d personally feel good about applying with a 670 score or higher. Also note that Amex charge cards tend to be easier to get approved for than Amex credit cards. Amex Application Rule 6: Amex Hard Inquiry vs. Amex Soft Inquiry - Your first Amex credit card / charge card application will likely involve a hard inquiry. - Your second (and beyond) Amex credit card / charge card application will likely involve a soft inquiry. - NOTES: If you begin your Amex journey on the personal side, you may get another hard inquiry on your 1st business card. If you begin your Amex journey on the business side, you may get another hard inquiry on your 1st personal card. Amex Application Rule 7: Amex Once In A Lifetime Rule | Amex Once Per Lifetime Rule - You can get a welcome offer on each Amex card only ONCE. - Exceptions: Amex No Lifetime Language offers, Waiting about 5+ years for Amex’s system to refresh Amex Financial Reviews - Amex financial reviews are not common but may occur at any time. A likely trigger is having a lot of credit from Amex, especially compared to your income. Consider an Amex credit limit decrease or closing an account before applying for a new card if you think your total lines with Amex are getting (too) high. Amex Pop Up Window - This is a message saying you’re not eligible for the welcome bonus. Occurs before fully submitting. - What may cause it? - Receiving too many Amex welcome bonuses* - Receiving too many introductory APR offers* - Opening too many Amex cards* - Closing too many Amex cards* - If you’ve had the same card in the past - Other factors * Within a given period of time (not publicly known). Amex Reconsideration Line Number - If your application goes to ‘pending’ or gets denied, consider calling the Reconsideration Line to see if an underwriter can turn the decision around into an approval. - Phone #: 1 (800) 567-1083 What I Do BEFORE Applying For an Amex Card… 1. USE EXISTING Amex cards regularly. 2. LOOK AT current balances. If any are high, pay them off. 3. COUNT current cards. If at a limit (e.g. 4/5 credit cards), then close 1 card. Don’t transfer the line to another card. 4. COUNT current limits. If total lines are getting really large, request a credit-limit decrease (or close a card). 5. MAKE SURE you’re in compliance with 1/5 and 2/90 Rules. 7. CHECK if you’ve had the card before. If yes, check for ‘lifetime language.’ 7. APPLY! #americanexpress #creditcards #amexplatinum

2 BRAND NEW Marriott Bonvoy credit cards are now available! Learn about the Marriott Bonvoy BEVY from American Express and Marriott Bonvoy BOUNTIFUL from Chase (plus changes to the Marriott Bonvoy Business card, too)! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗 PRESS RELEASE - Marriott Bonvoy® Introduces New Cobrand Credit Cards From American Express® And Chase Designed For People Who Live to Travel And Want To Earn Points Faster: https://www.prnewswire.com/news-releases/marriott-bonvoy-introduces-new-cobrand-credit-cards-from-american-express-and-chase-designed-for-people-who-live-to-travel-and-want-to-earn-points-faster-301630743.html 🔗 AMEX NEWS - American Express and Marriott Bonvoy Launch New Bevy Card and Enhance Luxury Brilliant Card: https://about.americanexpress.com/newsroom/press-releases/news-details/2022/American-Express-and-Marriott-Bonvoy-Launch-New-Bevy-Card-and-Enhance-Luxury-Brilliant-Card/default.aspx 🔗 FORBES ARTICLE - Marriott Bonvoy Introduces Two New Cards: The Bevy And The Bountiful: https://www.forbes.com/advisor/credit-cards/marriott-bonvoy-introduces-two-new-cards-the-bevy-and-the-bountiful/ 🔗 BUSINESS INSIDER ARTICLE - Marriott has unveiled the new Bonvoy Bevy and Bountiful credit cards, and the Bonvoy Brilliant just got an extensive makeover: https://www.businessinsider.com/personal-finance/marriott-bonvoy-bevy-bountiful-brilliant-news-2022-9 As of September 22, 2022, both Amex and Chase launched all-new Marriott Bonvoy credit cards with $250 annual fees. Here are the main benefits of the two cards, taken from the press release (link above): - 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy - 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets - 2X Marriott Bonvoy Points on all other eligible purchases - 1,000 Marriott Bonvoy Bonus Points with each qualifying stay - Complimentary Gold Elite status - A Free Night Award (redemption level at or under 50,000 Marriott Bonvoy Points) after making $15,000 in purchases per year. Certain hotels have resort fees. - 15 Elite Night Credits each calendar year toward higher Elite status You’ll notice that the two credit cards are nearly IDENTICAL, however… a. The Marriott Bonvoy Bountiful is issued by Chase and runs on the Visa network. b. The Marriott Bonvoy Bountiful earns 4X points at supermarkets worldwide, not just within the U.S. (which is the case of the Marriott Bonvoy Bevy issued by Amex). If you’re a big international traveler, you may find value in the Marriott Bonvoy Bountiful due to it being a Visa and its lack of the U.S. restriction on grocery store purchases. While these 2 new Marriott credit cards may have high price tags ($250/yr. each), at least they do offer complimentary Marriott Gold Elite status simply from having them. Previously, the only way to obtain that was via the old version of the Marriott Bonvoy Brilliant, which had a $450 annual fee at the time (i.e. prior to 9.22.2022). That said, for many casual travelers who occasionally stay at Marriott hotels, the Marriott Bonvoy Boundless credit card from Chase ($95 annual fee) may be a more compelling card. Regarding the Marriott Bonvoy Business Card, it also had several updates that were added back in July 2022 as follows: - 7% Marriott Bonvoy Room Rate Discount - Gold Elite Status, complimentary - 4X Points on Global Dining (previously only in the U.S.) What about the Ritz Carlton Credit Card? Here’s what the press release says: - Card members who have The Ritz-Carlton Rewards™ Card from Chase, which is no longer available to new applicants, will receive the new 85K Anniversary Free Night Award. There is no change to The Ritz-Carlton Rewards™ Card annual fee. 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 #marriottbonvoy #americanexpress

The ALL NEW Marriot Bonvoy Brilliant Card from American Express has launched with a ton of new benefits (incl. Marriott Bonvoy Platinum Elite status) and a Free Night Award up to 85K points! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗 PRESS RELEASE - Marriott Bonvoy® Introduces New Cobrand Credit Cards From American Express® And Chase Designed For People Who Live to Travel And Want To Earn Points Faster: https://www.prnewswire.com/news-releases/marriott-bonvoy-introduces-new-cobrand-credit-cards-from-american-express-and-chase-designed-for-people-who-live-to-travel-and-want-to-earn-points-faster-301630743.html 🔗 AMEX NEWS - American Express and Marriott Bonvoy Launch New Bevy Card and Enhance Luxury Brilliant Card: https://about.americanexpress.com/newsroom/press-releases/news-details/2022/American-Express-and-Marriott-Bonvoy-Launch-New-Bevy-Card-and-Enhance-Luxury-Brilliant-Card/default.aspx 🔗 FORBES ARTICLE - Marriott Bonvoy Introduces Two New Cards: The Bevy And The Bountiful: https://www.forbes.com/advisor/credit-cards/marriott-bonvoy-introduces-two-new-cards-the-bevy-and-the-bountiful/ 🔗 BUSINESS INSIDER ARTICLE - Marriott has unveiled the new Bonvoy Bevy and Bountiful credit cards, and the Bonvoy Brilliant just got an extensive makeover: https://www.businessinsider.com/personal-finance/marriott-bonvoy-bevy-bountiful-brilliant-news-2022-9 As of September 22, 2022, the Marriott Bonvoy Brilliant American Express card has gotten a BIG overhaul of benefits (and a higher annual fee to go along with them). Here are the main benefits of the card, taken from the press release (link above): - 6X Marriott Bonvoy points on purchases at hotels participating in Marriott Bonvoy, 3X points at restaurants worldwide and on flights booked directly with airlines, and 2X points on all other eligible purchases - Complimentary Marriott Bonvoy Platinum Elite Status (New) - One Free Night Award each year after Card renewal month that can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Certain hotels have resort fees. (New) - Up to $300 in statement credits per calendar year (up to $25 back per month) for dining purchases at restaurants worldwide (New) - 25 Elite Night Credits each calendar year (New) - Up to a $100 property credit for qualifying charges at The Ritz-Carlton, Ritz-Carlton Reserve or St. Regis brands when you book direct using a special rate for a 2+ night stay - New Annual Earned Choice Award: Each calendar year (starting January 2023), after making $60K in purchases, Card Members can select an Earned Choice Award benefit - Priority Pass Select Membership (enrollment required) Application fee credit for TSA PreCheck or Global Entry (which comes with access to TSA PreCheck) What about the Ritz Carlton Credit Card? Here’s what the press release says: - Card members who have The Ritz-Carlton Rewards™ Card from Chase, which is no longer available to new applicants, will receive the new 85K Anniversary Free Night Award. There is no change to The Ritz-Carlton Rewards™ Card annual fee. 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 #marriottbonvoy #americanexpress

My credit score just dropped by 27 points! Learn what happened so you can avoid this simple credit score mistake (and how to increase your credit score if it happens to 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 http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO: Are Airline Credit Cards Worth it? https://youtu.be/WhOdp8Qfyus I logged into my Credit Karma account and saw that my credit score decreased in a big way! Previously it was 808, and now at 781, that represented a drop of 27 points! In the video I explain what happened (hint: it had to do with my credit utilization, the second largest factor of your credit score), and what I plan to do in order to increase my credit score back to where it was originally. Your credit score can be broken down into 5 main credit factors, each of which has a different weight on your credit score. I like to remember the factors via the acronym: PHURLEMINA. PH = Payment History (35% of your credit score): This represents how many on-time payments you’ve made on your credit account. The more, the better. UR = Utilization Ratio (30% of your credit score): This represents how much of your credit limit you’re using, both on individual credit cards and across all credit card accounts. At any moment in time, you can calculate your utilization ratio by adding up your credit balances and dividing that total by the sum of your credit lines. In other words: Current Balance ÷ Credit Limit. Multiply the result by 100 to put in into percentage form. LE = Length of Credit History (15% of your credit score): This is also called Average Length of Credit History, taking into account your oldest credit card, newest credit card, and any others in between. MI = Mix of Accounts (10% of your credit score): This represents the different types of financial products on your credit report, like credit cards, auto loans, installment loans, etc. Generally, the credit bureaus like to see you’re financially responsible with different types of products. NA = New Accounts (10% of your credit score): This includes any new credit card accounts you’ve opened and credit inquiries (i.e. hard inquiries / hard pulls on your credit report). A lot of changes to your credit score are temporary and are easy to fix. So, if you see a credit score drop, learn which factors were involved, then focus on those areas to make your rebound happen a lot faster! 🎬 MORE CREDIT CARD VIDEOS 🔹CREDIT CARDS 101 Playlist: https://youtube.com/playlist?list=PLXI3_Pam2x5JmRli1C_0RsSdIAIsJrXWO 🔹 When to Pay Credit Card Bill to Increase Credit Score: https://youtu.be/BtIwGldr9rY 🔹How Often To Apply For Credit Cards: https://youtu.be/2p7egp0iz9M 🔹Does Closing a Credit Card Hurt Your Credit Score: https://youtu.be/UcWqixdQk30 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 #creditscore #creditcards101

The Delta SkyMiles Reserve American Express Card is the TOP TIER airline credit card offered by Delta with a TON of great benefits to help you travel like a VIP. But is it right for you? Find out in this video! 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 http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO: Are Airline Credit Cards Worth it? https://youtu.be/WhOdp8Qfyus WELCOME OFFER (Sep. 2022) Earn 50,000 Delta SkyMiles and 10,000 Delta Medallion Qualification Miles (MQMs) after spending $3,000 on purchase in the first 3 months. The approximate value of the miles portion of this offer is $550 toward Delta flights. Note: higher targeted offers may be available with higher spend requirements. ANNUAL FEE = $550 CHOOSE YOUR DESIGN You can choose to get the Delta SkyMiles Reserve card in metal or in 70% reclaimed plastic. Make your selection on the landing page before going through the credit card application. EARN DELTA SKYMILES - 3X Delta Purchases made directly with Delta Air Lines - 1X Other Purchases REDEEM DELTA SKYMILES - Delta Flights: 1.1¢ per mile, average BENEFITS - Delta Sky Club Access when flying Delta - Amex Centurion Lounge access when flying Delta - Delta Annual Companion Certificate: First Class, Comfort Plus, Premium Select, Main Cabin - Delta Status Boost: Earn 15K MQMs after spending $30K in a calendar year up to 4X per year - Delta MQD Waiver after spending $25K in a calendar year - TSA PreCheck / Global Entry credit, up to $100 in statement credits - Delta Complimentary Upgrades - Delta Upgrade Priority - Delta Free First Checked Bag - 20% In-Flight Discount - Delta Priority Boarding - No Foreign Transaction Fees - Delta Pay With Miles - Global Dining Access by Resy - Instant Card Number - ShopRunner membership - Concierge INSURANCE & PROTECTIONS - Baggage Insurance Plan - Trip Delay Insurance - Trip Cancellation & Interruption Insurance - Car Rental Loss & Damage Insurance - Purchase Protection - Return Protection - Extended Warranty - Cell Phone Protection SHOULD YOU GET IT? YES if you… - Fly Delta moderately to frequently. - DO NOT fly enough to earn elite status but: (a) Want elite-like benefits simply by having the card and/or (b) Want to earn elite status via spend. - DO fly enough to earn elite status but… - Want to earn higher status via spend. - Want access to the Delta Sky Club. - Want access to the Centurion Lounge. - Can use the Companion Certificate every year. NO if you… - Fly Delta infrequently (or not at all). - Would not use the Delta Sky Club regularly. - Don’t care about elite benefits. - If the benefits from other Delta cards w/ lower annual fees are sufficient for you. - Prefer more flexible / transferrable rewards. - Prefer cash back rewards. - Want to earn Delta Sky Miles quickly. 🎬 MORE CREDIT CARD VIDEOS 🔹 Are Airline Credit Cards Worth it: https://youtu.be/WhOdp8Qfyus 🔹Delta SkyMiles Platinum Amex Review: https://youtu.be/3h5Py9kiB2A 🔹Delta SkyMiles Gold Card Review: https://youtu.be/LT751vs8bbQ 🔹Amex Platinum $200 Airline Credit (Step by Step Tutorial): https://youtu.be/xIXYO7T27MQ 🔹7 BEST Amex Platinum Card Benefits (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Amex Platinum Card Review: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022?! (Amex Gold Card Review): https://youtu.be/iF07TX7MH8Y 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. #deltaairlines #travelcreditcards #airportlounge

I applied and got APPROVED for the Citi Premier Card in August 2022 and it ARRIVED! Here’s the unboxing video and reasons why I decided to get it (the 80K bonus was one of them). Enjoy! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese The Citi Premier Card is one of the best travel credit cards if your goal is simply to earn a bunch of travel rewards to pay for an upcoming vacation (it’s not a great card for insurance or protections as those were removed a few years ago). As of the making of this video, the Citi Premier 80K bonus is still available for a limited time. Here’s the requirement: - Earn 80,000 Citi ThankYou points after spending $4,000 in the first 3 months. The value of these points = $800 towards gift cards, cash back, and travel. The value could be potentially higher if you utilize Citi Transfer Partners in a strategic way. Unlike a lot of other travel credit cards, it allows you to earn points in a lot of useful, everyday spending categories, including: - 3X Air Travel - 3X Hotels - 3X Travel Agencies - 3X Restaurants - Supermarkets - 3X Gas Stations - 1X Other Purchases The #1 benefit is probably the “$100 Annual Savings Benefit.” This allows you to get $100 off a single hotel stay costing $500 or more, excluding taxes and fees. In order for it to work, you’ll need to book the hotel via the Citi Travel Portal and charge it to your Citi Premier Card. This benefit is available once per calendar year, so it’s a great way to cover the $95 annual fee. Since it earns Citi ThankYou points, it also works very well to make a Citi Trifecta. For instance, you can combine it with the Citi Double Cash credit card and the Citi Custom Cash credit card (which all earn ThankYou points) to cover different spend categories. Translation: use several cards together to earn rewards even faster! 🎬 MORE CREDIT CARD VIDEOS 🔹 WATCH ME APPLY - Citi Premier Card 80K Points: https://youtu.be/PT9LGFr0X4o 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹Citi Custom Cash Card Review: https://youtu.be/YHj6-ZC8LyA 🔹Citi Double Cash Credit Card Review: https://youtu.be/1znzMhflCsw 🔹5 Reasons Why I Love The Citi Custom Cash Card: https://youtu.be/ZaBEQsf1IeI 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.

Want to see the BEST WAY to redeem Amex points for MAX value? It involves using Amex transfer partners strategically to save a lot of money on travel. Watch this video to learn how! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO: Beginner’s Guide to Transfer Partners for BIG Value (Amex, Chase, Citi, Capital One Credit Cards): https://youtu.be/ae1WayyrwnE American Express Membership Rewards points are among the most valuable credit card rewards on the planet (right up there with Chase Ultimate Rewards points, Citi ThankYou points, and Capital One Venture Miles). Many people are aware of Amex credit cards, but very few understand how to redeem Amex points for travel in a way that gives them huge, outsized value. If you want to save BIG money on travel and make that next vacation a lot more affordable, you’ve got to learn how to use Amex transfer partners. This involves transferring Amex points to other airline and hotel programs, then booking award flights and hotel stays on the partner’s website. Here’s the current list of AMEX TRANSFER PARTNERS as of September 2022: AIRLINES - Aer Lingus Aer Club - Aeromexico Club Premier - Air Canada Aeroplan - Air France KLM Flying Blue - ANA Mileage Club - Avianca LifeMiles - British Airways Executive Club - Cathay Pacific Asia Miles - Delta SkyMiles - Emirates Skywards - Etihad Guest - Hawaiian Airlines - Iberia Plus - JetBlue TrueBlue - Qantas Frequent Flier - Singapore Airlines KrisFlyer - Virgin Atlantic HOTELS - Choice Privileges - Hilton Honors - Marriott Bonvoy All that said, using Amex transfer partners DOES NOT GUARANTEE big value. When it comes to airline miles, hotel points, credit card points, etc., a lot of these programs have different values. Plus, many of those airline and hotel programs have dynamic pricing, meaning the cash rates and rewards rates can fluctuate (even daily). For that reason, it’s up to you to do the research and build a travel itinerary that yields a high value per point, and you’ll want to do that planning BEFORE doing any transfers. In the end, the points game is all about using the fewest points possible to cover the biggest cash price possible (that way you save money to be used for other things)! And if you're new to all this, check out my beginner's guide to transfer partners (including Amex) in the links below! 🎬 MORE CREDIT CARD VIDEOS 🔹Beginner’s Guide to Transfer Partners for BIG Value (Amex, Chase, Citi, Capital One Credit Cards): https://youtu.be/ae1WayyrwnE 🔹The 6 WORST Amex Transfer Partners: https://youtu.be/sxNsG1nkuXA 🔹The MOST VALUABLE Credit Cards Points | The BEST Credit Card Points: https://youtu.be/LgyK0TMA6_Q 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹7 Amex Sign Up Bonus HACKS to Know: https://youtu.be/prqoEegZKgk 🔹7 BEST Amex Platinum Card Benefits! (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Chase Sapphire Preferred Review: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred: https://youtu.be/HolY8a3Jva4 🔹Amex Platinum Card Review: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review: https://youtu.be/iF07TX7MH8Y 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. #americanexpress #amexcreditcards #amexplatinum

Learn how to use a credit card the RIGHT way by learning the Top 10 Mistakes to AVOID! Once you use credit cards responsibly, they can be a great financial tool to help you manage money. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬MORE CREDIT CARD VIDEOS: See links at bottom of description! If you’ve ever wanted to travel the world for free (or close to it) or earn extra money to pay your monthly bills or invest into the stock market / other asset classes, then credit cards can be a really helpful financial tool. From the travel points and miles you can earn through some of the best credit card signup bonuses, to the ongoing cash back rewards from buying things you regularly buy, credit card rewards can be a fun way to supplement your income. However, credit cards are neither good nor bad. They’re simply a neutral financial tool that CAN be good or CAN be bad based on HOW you use them. For that reason, once you’ve become a financially responsible individual by learning sound practices, then you’ll understand how credit cards can be used to your advantage. In this video we’ll explore 10 HUGE MISTAKES that credit card beginners make so you can avoid them as you start your journey (and therefore increase your credit score faster, qualify for the best rates on a big purchase like a house or car, earn rewards, and more)! Also, there are a lot of credit cards that are really popular (like the Amex Gold Card and the Chase Sapphire Preferred card). It’s true, they can be great for the right people, but that doesn’t mean they’re the right credit card for you. That’s why it’s important to apply for the right credit cards based on where you are in your credit journey and also based on what you value / what your goals are. Watch this video, educate yourself, and learn how to win with money and credit cards! Here are my Top 10 Credit Card MISTAKES: 1. Using credit cards the wrong way 2. Applying for the wrong credit cards 3. Not understanding how credit cards work 4. Not understanding your credit card statement (i.e. your credit card bill) 5. Carrying a balance from month to month 6. Applying for credit cards too frequently 7. Not knowing when to pay your credit card bill (and paying interest) 8. Using a lot of your credit card limit (or maxing it out) 9. Missing a sign up bonus 10. Spending more than you’d normally spend 🎬 MORE CREDIT CARD VIDEOS 🔹CREDIT CARDS 101: When To Pay Credit Card Bill To Increase Credit Score https://youtu.be/BtIwGldr9rY 🔹CREDIT CARDS 101: Credit Card Statement Explained https://youtu.be/673wTGi78ts 🔹CREDIT CARDS 101: Does Closing a Credit Card Hurt Your Credit Score? https://youtu.be/UcWqixdQk30 🔹CREDIT CARDS 101: How Often To Apply For Credit Cards https://youtu.be/2p7egp0iz9M 🔹CREDIT CARDS 101: How To Use Credit Cards To Build Credit https://youtu.be/nMJwmeWptVQ 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. #creditcards101 #creditcardsforbeginners #creditcards

The Amex Platinum Cards have BIG annual fees and require you to use a bunch of credits to get good value. The business benefits didn’t make sense for me anymore, so it’s time to CANCEL. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese American Express credit cards offer a ton of value for certain types of people. Lately, a number of Amex cards have been getting annual fee increases along with additional benefits. Many of those benefits come in the form of credits valid at select partner merchants (e.g. Dell, Adobe, Indeed, etc.). So, if you wouldn’t normally spend at those businesses, then the current annual fee of $695 could be difficult to justify. While the Amex Business Platinum Card did provide me with good value over the past cardmember year, especially with the Dell credits, I don’t see the same value for the next year. So, I asked for an Amex retention offer to see if there’d be a way to justify paying the annual fee for the next year. Unfortunately, I only received a $100 statement credit. After running the numbers, I’d still end up paying Amex in order to keep the account open, so it made the most sense to close it and move on. Keep in mind that Amex retention offers can vary from one person to another (i.e. overall account) and one card to another. They’re also targeted and not guaranteed, so it can still be worthwhile to ask at least once per year if an offer is available. That way if you’re on the fence about canceling your credit card, you can at least explore more options before taking that action. Also bear in mind that product changes (e.g. downgrading to a credit card with a lower annual fee or upgrading to a more premium credit card) can be another option. For the purposes of this situation, my downgrade options from the Amex Business Platinum Card were the Amex Business Gold Card and the Amex Business Green Card. However, I already have the Gold and the Green isn't a rewarding card. 🎬 MORE CREDIT CARD VIDEOS 🔹7 BEST Amex Platinum Card Benefits 2022! (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Chase Sapphire Reserve Review 2022: https://youtu.be/WJLanmuPmoQ 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Review 2022: https://youtu.be/iF07TX7MH8Y 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. #americanexpress #amexplatinum #amexcreditcards

Are you staying at a Marriott hotel? Check your bill before you leave! You could be hit with a Reward Redemption Charge for redeeming your Marriott Bonvoy points or Marriott Free Night certificate. Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗 View From The Wing Blog Post - Marriott Hotel Tries To Charge Guests 2% For Paying With A Credit Card. Will It Fly? https://viewfromthewing.com/marriott-hotel-tries-to-charge-guests-2-for-paying-with-a-credit-card-will-it-fly/ 🔗 One Mile At A Time Blog Post - Ridiculous: This Marriott Hotel Charges Fee To Use Points (Update) https://onemileatatime.com/marriott-redemption-service-charge/ 🔗 The Points Guy Blog Post - More reports of Marriott properties adding improper redemption surcharges — here’s how to check if you’ve been affected https://thepointsguy.com/news/incorrect-redemption-surcharge-marriott-points/ 🔗 MilesTalk Blog Post - Marriott Bonvoy Award Redemption Fee? https://milestalk.com/marriott-bonvoy-award-redemption-fee/ Since at least mid-2021, a number of people have reported seeing fees charged to their Marriott hotel folios upon checkout. The line item is listed as “Rm Chrg - Reward Redemption” and may appear when you redeem Marriott Bonvoy points or a Marriott Free Night Award certificate for your stay. This fee is different from a hotel resort fee or a hotel destination fee and may appear for every night of your stay. I recently stayed at the Sheraton Denver Downtown hotel and saw this “Rm Chrg - Reward Redemption” on my hotel bill for $43.00. Fortunately, the hotel staff said it was an error and removed it without any hassle, and also mentioned that it shouldn’t have appeared in the first place. Per a statement received by The Points Guy via a Marriott spokesperson back in December 2021, “A situation like this is typically due to a clerical error by the property as in this case. If this occurs, members should contact the front desk and/or the manager on duty to have it corrected and removed from their folio.” Furthermore, the TPG blog post included the following, “While Marriott wouldn’t confirm exactly what those charges were, industry experts told TPG that they’re most likely related to the fee Marriott corporate is paying the hotel for the award stay.” Perhaps this charge had something to do with that reimbursement to the Sheraton Denver Downtown (i.e. the owners of the property) from Marriott corporate (i.e. the loyalty program) since hotels do receive compensation for free night redemptions as mentioned above. Regardless, always be sure to check your hotel bill upon checkout to make sure erroneous fees were not charged. You can find your Marriott hotel bill online by doing the following: 1. Log into your Marriott Bonvoy account 2. Click on your name in the upper right-hand corner (i.e. to access the Main Menu) 3. Select the Activity tab 4. Scroll down until you see the itemized breakdown of your most recent stay. It should have a ‘Download’ link to retrieve your hotel bill. 🎬 MORE CREDIT CARD VIDEOS 🔹 Marriott Credit Card Eligibility Rules: https://youtu.be/pzGmeB3S7Kg 🔹 I Got DENIED by Chase (How I Got Approved Anyway): https://youtu.be/rIFFv64TETw 🔹Chase Sapphire Preferred $50 Hotel Credit (How to Use It): https://youtu.be/pkjAZmWq21U 🔹16 Hotel Credit Cards With Free Nights: https://youtu.be/yHa9RYlkwh0 🔹Amex Platinum $200 Hotel Credit (How to Use It): https://youtu.be/gOM8LYQIJ18 🔹Hilton Honors Aspire Card Review: https://youtu.be/zrxOfS4FNEo 🔹Hilton Honors American Express Card Review (No annual fee travel card): https://youtu.be/UcE90WfK4po 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. #marriottbonvoy #marriottcreditcard #hotelcreditcard

The Citi Premier Card is offering 80,000 POINTS for a limited time. Watch me apply to see what happens (PLUS: Will the “Citi 6 Inquiry Rule” apply to me?!) Click “Show More” to see Ad Disclosure. 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offer 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔗 DOCTOR OF CREDIT BLOG POST - Does Citi Deny You If You Have 6 Or More New Inquiries From One Credit Bureau Within Six Months?: https://www.doctorofcredit.com/citi-deny-6-new-inquiries-one-credit-bureau-within-six-months/ The Citi Premier Card is one of the best travel credit cards available right now and competes against other credit cards like the Amex Green Card, Amex Gold Card and the Chase Sapphire Preferred. And while it has an elevated welcome bonus for a limited time, it’s a great time to apply! There’s also been some discussion about the “Citi 6 Inquiry Rule,” whereby Citi will deny a credit card application if you have 6 or more inquiries within the past 6 months on the credit report they pull (I accidentally thought it was the past 12 months in the video). It’s apparently a soft rule, meaning it may not be applied all the time. If you get denied for that reason, you may also be able to call the Citi Reconsideration Line and request they pull a different credit report that has a lower inquiry count. That could be a way to turn a denial into an approval. At the time of applying for the Citi Premier Card, I’ve got 6 hard inquiries on my Experian credit report (and I had a good feeling that Citi would pull Experian for my application). So, this application will also be a test of whether or not this 6 Inquiry Rule will be applied to my situation. Let’s see what happens! Here’s some more info about the Citi Premier Card… SIGNUP BONUS Earn 80,000 Citi ThankYou Points after spending $4,000 in the first 3 months. Value = $800 towards gift cards, cash back, or travel. EARN CITI THANKYOU POINTS 3X Flights 3X Hotels 3X Restaurants 3X Supermarkets 3X Gas Stations 3X Travel Agencies 1X Everything Else ANNUAL FEE $95 CITI TRANSFER PARTNERS Aeromexico Club Premier Air France-KLM Flying Blue Avianca LifeMiles Cathay Pacific Asia Miles Emirates Skywards Etihad Guest EVA Air Infinity MileageLands Jet Airways JetPrivilege / InterMiles JetBlue TrueBlue Malaysia Airlines Enrich Qantas Frequent Flyer Qatar Airways Privilege Club Singapore Airlines KrisFlyer Thai Airways Royal Orchid Plus Turkish Airlines Miles&Smiles Virgin Atlantic Flying Club CITI PREMIER CARD BENEFITS - $100 Annual Hotel Savings Benefit: Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through thankyou.com or 1-800-THANKYOU. This benefit will be available to you once per calendar year. - No Foreign Transaction Fees - Shop With Points: Use points during checkout at Amazon.com & BestBuy.com (0.8¢ per point value…not ideal) CITI TRIFECTA Here are some Citi credit cards that go well with the Citi Premier Card. You can use them to create a multi-card setup (e.g. Citi Trifecta of 3+ cards) to earn points faster by covering different rewards categories. - Citi Custom Cash Card - Citi Double Cash Card - Citi Rewards+ Card | Citi Rewards Plus Card - Citi Premier Card (currently discontinued to new applicants) 🎬 MORE CREDIT CARD VIDEOS 🔹Chase Sapphire Preferred Review 2022: https://youtu.be/xePTy2oUM6A 🔹Amex Gold vs. Chase Sapphire Preferred 2022: https://youtu.be/HolY8a3Jva4 🔹Citi Premier vs. Chase Sapphire Preferred 2022: https://youtu.be/YrxI037gJOg 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022 | Amex Gold Card Review: https://youtu.be/iF07TX7MH8Y 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. #creditcardapplication #travelcreditcards #bestcreditcards

Amex transfer partners can be a GREAT way to redeem Amex points, BUT some transfer partners often lead to BAD VALUE. Learn which ones you should avoid (and why). 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 http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO: Beginner’s Guide to Transfer Partners for BIG VALUE (Amex, Chase, Citi, Capital One Credit Cards) https://youtu.be/ae1WayyrwnE VALUE OF AMEX POINTS | What Are Amex Points Worth? 1. In general and on average, Amex points are worth 1.7¢ per point when using Amex transfer partners (example: 10,000 points = $170). However, these types of redemptions are normally achieved with international airlines in a premium cabin during a long-haul flight. 2. For hotels, car rentals, cruises & vacations booked through the Amex Travel Portal, Amex points are worth a flat rate of 0.7¢ per point (example: 10,000 points = $70). 3. For flights booked through the Amex Travel Portal and for luxury hotels booked through the Amex Fine Hotels and Resorts program, Amex points are worth a flat rate of 1.0¢ per point (example: 10,000 points = $100). For the purposes of this video, we’ll use 1 Amex Point = 1.7¢ for comparison to other programs. The 6 Amex Transfer Partners you should likely AVOID are as follows… 1. Hilton Honors (1:2) - Hilton Honors points are worth 0.5¢ on average and the program also has dynamic pricing. 2. Marriott Bonvoy (1:1) - Marriott Bonvoy points are worth 0.7¢ on average and the program also has dynamic pricing. 3. Choice Privileges (1:1) - Choice Privileges points are worth 0.6¢ on average. 4. JetBlue True Blue (1:1) - JetBlue points are worth 1.3¢ on average and the program also has 2 major limiting factors that prevent you from getting big, outsized value: (a) It’s a revenue-based rewards program (b) It’s a U.S. airline subject to the Amex Excise Tax Offset Fee. 5. Delta Air Lines (1:1) - Delta SkyMiles are worth 1.1¢ on average. The program is also subject to dynamic pricing and it’s a U.S. airline subject to the Amex Excise Tax Offset Fee. 6. Hawaiian Airlines (1:1) - Hawaiian miles are worth 1.0¢ on average. The loyalty program is semi-dynamic in that it has region-based redemption ranges that can vary by demand and fare class. Again, it’s a U.S. airline subject to the Amex Excise Tax Offset Fee. EXCEPTIONS 1. You’ve done the math & it makes sense. 2. You need to ‘top off’ your balance in another program. 3. A limited-time transfer bonus is available (and you’ve done the math & it makes sense). 4. You’re transferring Amex points into miles on Airline A at a loss / breakeven / gain, and then will use those miles to fly on partner Airline B at a GAIN compared to the average Amex point value. AMEX CREDIT CARDS WITH TRANSFER PARTNERS (Hint: if they earn Amex Membership Rewards points, then they have access to Amex transfer partners) - Amex Centurion Card | Amex Black Card (plus the business versions) - Amex Platinum Card (plus the business version) - Amex Gold Card (plus the business version) - Amex Green Card (plus the business version) - Amex Everyday Preferred Card - Amex Everyday Card 🎬 MORE CREDIT CARD VIDEOS 🔹How to Use Chase Ultimate Rewards Points: https://youtu.be/qGUHe0xfKFk 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022?! (Amex Gold Card Review): https://youtu.be/iF07TX7MH8Y 🔹How to Use Priority Pass (Beginner’s Guide): https://youtu.be/mP1zEyWdf8o 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. #americanexpress #amexcreditcards #amexpoints

The Citi AAdvantage Executive Card is the TOP TIER American Airline credit card with VIP benefits and an Admirals Club membership. Is it for you? Watch this review to find out! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO: Are Airline Credit Cards Worth it? https://youtu.be/WhOdp8Qfyus WELCOME OFFER (Aug. 2022) Earn 50,000 miles after spending $5K on purchases in the first 3 months. Average value = $700 towards AA flights. ANNUAL FEE = $450 EARN AMERICAN AIRLINES MILES - 2X American Airlines - 1X Other Purchases REDEEM AMERICAN AIRLINES MILES - Flights: 1.4¢ per mile (average) BENEFITS 1. American Airlines Admirals Club Membership This is included with the credit card. Admirals Club memberships normally cost $650 in Year 1 and $600 every renewal year (or lower if you have American Airlines elite status). To get in, provide the following at the front desk: - Citi AA Executive card - Your ID - Same-day boarding pass on an eligible flight (discussed in the video) Admirals Club Guest Policy via AA Executive Credit Card – you may bring either: - Immediate family members, incl. children under 18, or… - Up to 2 guests traveling with Primary Cardholder or Authorized User Authorized Users - Receive their own Admirals Club access - Have the same Guesting Privileges - No additional annual fee for up to 10 Authorized Users 2. Free Checked Bag - Valid on domestic itineraries - Includes you + up to 8 companions on the same reservation 3. VIP Enhanced Airport Experience (‘Priority Lanes’) The following benefits are given to the Primary Cardholder + up to 8 companions on the same reservation: - Priority Check-In (i.e. expedited airport check-in lines) - Priority Airport Screening (i.e. expedited security lines) - Priority Boarding (currently Group 4) - NOTE: Authorized Users do not get these benefits on their own 4. 25% Off Inflight Purchases, valid on food & beverage purchases 5. Up to $100 TSA PreCheck / Global Entry Credit every 5 years 6. Earn American Airlines Loyalty Points - Earn 1 Loyalty Points per $1 spent 7. American Airlines Loyalty Points Bonus (10,000) - Earn 10,000 bonus Loyalty Points after spending $40K during a Qualifying Year - Starting in 2023, a Qualifying Year = March 01 – February 28 8. Concierge: Get help from experts to plan travel or get help with shopping, dining reservations, tickets to shows, and more 9. No Foreign Transaction Fees INSURANCE & PROTECTIONS - N/A SHOULD YOU GET THIS CREDIT CARD? YES if you… - Fly American Airlines moderately to frequently, want elite-like benefits, but don’t fly enough to earn AAdvantage elite status - Want an Admirals Club Membership - Value the convenience of priority security, check-in, and boarding (Group 4) - Can spend $40K for the 10K Loyalty Points bonus NO if you… - Fly American Airlines infrequently (or not at all) - Would not use the Admirals Club enough to justify a full membership - Don’t need / want priority access - If the benefits from other AA cards w/ lower annual fees are sufficient for you, including: free checked bags, Group 5 boarding, 25% inflight discount, and earning 1 Loyalty Point / $1 spent) - Prefer more flexible / transferrable rewards 🎬 MORE CREDIT CARD VIDEOS 🔹 Are Airline Credit Cards Worth it: https://youtu.be/WhOdp8Qfyus 🔹Delta SkyMiles Platinum Amex Review: https://youtu.be/3h5Py9kiB2A 🔹Delta SkyMiles Gold Card Review: https://youtu.be/LT751vs8bbQ 🔹Amex Platinum $200 Airline Credit (Step by Step Tutorial): https://youtu.be/xIXYO7T27MQ 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022?! (Amex Gold Card Review): https://youtu.be/iF07TX7MH8Y 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. #americanairlines #airlinecreditcards #travelcreditcards

Want an easy way to calculate your Chase 5/24 Rule standing? I’ll show you the BEST way I’ve seen so far so you can better determine when to apply for your next Chase credit card! 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 http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🎬 VIDEO - Chase 5/24 Rule Explained https://youtu.be/muJEN8C86JY WHAT IS THE CHASE 5/24 RULE? (Chase 5/24 Rule Explained) Chase will automatically deny a credit card application if you’ve opened 5 or more cards with any bank in the last 24 months that appear on your credit report. This includes closed credit card accounts within the past 24 months. So say you’ve opened 2 Citi credit cards (like the Citi Custom Cash and the Citi Double Cash), plus 2 American Express credit cards (like the Amex Gold Card and Amex Platinum Card), plus 1 Chase credit card (like the Chase Sapphire Preferred). In total, that’s 5 credit card accounts across all issuers. If you’ve opened all of those in the past 24 months, then you’ll need to wait until your ‘count’ is 4 credit cards or fewer within your current 24-month look-back period. HOW TO CHECK CHASE 5/24 STATUS While you can use apps or programs like Credit Karma, Credit Journey by Chase, and others, I’ve found the easiest way is to use the Experian mobile app (with a free Experian account). Simply follow these steps: 1. Sign up for a free Experian account 2. Download the mobile app & log in 3. View all cards from newest to oldest (use the ‘Views’ feature in the top right corner) 4. Count the credit cards you’ve opened in the last 24 months The Experian app makes it very easy to see your credit cards by year, in order, and with the exact Open Date displayed in 1 scrollable list. DO BUSINESS CARDS COUNT TOWARDS 5/24? Almost always no. As long as they do not appear on your personal credit report, then business credit cards will not count towards 5/24. Known exceptions of business credit cards that do report to the personal side include Discover and TD Bank. ALSO NOTE... The date you’re ‘officially’ below the Chase 5/24 Rule will likely not be the exact date your card turns 2 years old. Rather, it’s recommended to wait at least until the 1st day of the next month after your card’s 2-year anniversary. That way you allow extra time for your credit report to update. Personally, I like to wait closer to 1 month to ensure that both my credit report and Chase’s system are completely up to date. 🎬 MORE CREDIT CARD VIDEOS 🔹How to Use Chase Ultimate Rewards Points: https://youtu.be/qGUHe0xfKFk 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022?! (Amex Gold Card Review): https://youtu.be/iF07TX7MH8Y 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. #chasecreditcards #bestcreditcards #travelcreditcards

Want to learn how to use credit card transfer partners for BIG VALUE? Master the fundamentals FIRST so you can better redeem your Amex points, Chase points, Citi points, and Capital One miles and save money on travel! Click “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese If you’ve ever wondered… - How to redeem Amex Points for maximum value - How to redeem Chase points for maximum value - How to redeem Citi points for maximum value - How to redeem Capital One miles for maximum value They all have a common answer… - TRANSFER PARTNERS! Let’s talk about them and why they’re so great. Video Outline 0:00 Introduction 0:43 What Are Transfer Partners? 1:24 Which Rewards Programs Have Transfer Partners 1:53 Which Credit Cards Earn Transferrable Points 3:09 Steps to Use Transfer Partners 8:25 13 Things to Know PART 1: WHAT ARE TRANSFER PARTNERS? - Companies that partner with banks to allow you to transfer points from 1 program to another - This allows you massively diversify your rewards & hedge against devaluations - This gives you more options, greater flexibility, and potential for higher value PART 2: WHICH REWARDS PROGRAMS HAVE TRANSFER PARTNERS - American Express Membership Rewards - Chase Ultimate Rewards - Citi ThankYou Points - Capital One Venture Miles / Spark Miles - Bilt Rewards Points PART 3: WHICH CREDIT CARDS EARN TRANSFERRABLE POINTS American Express Membership Rewards Points - Amex Centurion Card - Amex Platinum Card - Amex Gold Card - Amex Green Card - Amex EveryDay - Amex EveryDay Preferred - Amex Blue Business Plus NOTE: Amex business cards & corporate cards are included. Chase Ultimate Rewards Points - Chase Freedom Unlimited - Chase Freedom Flex - Chase Freedom Student - Chase Sapphire Preferred - Chase Sapphire Reserve - Chase Ink Business Unlimited - Chase Ink Business Cash - Chase Ink Business Preferred Citi ThankYou Points - Citi Rewards+ - Citi Double Cash - Citi Custom Cash - Citi Premier Card - Citi Prestige Card Capital One Miles - Capital One VentureOne - Capital One Venture - Capital One Venture X - Capital One Spark 1.5X Miles Select - Capital One Spark 2X Miles - Capital One Spark Travel Elite Bilt Rewards Alliance - Bilt World Elite Mastercard PART 4: STEPS TO USE TRANSFER PARTNERS 1. Create a free rewards account with the partner program FIRST. Get your Member ID. 2. Log into your bank account. Go to rewards portal. 3. Choose transfer partner redemption option. - Chase = Transfer to Travel Partners - Amex = Transfer Points - Citi = Points Transfer - Capital One = Convert Rewards 4. Select airline or hotel program, then enter your Member ID & the number of points you want to transfer. 5. Confirm & submit. PART 5: 13 THINGS TO KNOW 1. Transfer partners only work in 1 direction 2. Restrictions or limits may exist 3. Amex charges an Excise Tax Offset Fee when transferring to U.S. airlines 4. Transfer Ratios may vary by program & partner 5. Transfer Ratios have little to do with how much value you get 6. Value Per Point Calculation: [(Cash Price) / Points Price] x 100 = Value Per Point 7. How to determine if a redemption is good 8. How to determine if you should use transfer partners 9. Do your research BEFORE transferring points 10. Do not transfer points speculatively 11. Learn the airline alliances (oneworld Alliance, Star Alliance, Sky Team Alliance) 12. Be aware of airline partnerships 13. Be flexible 🎬 MORE CREDIT CARD VIDEOS 🔹How to Use Chase Ultimate Rewards Points: https://youtu.be/qGUHe0xfKFk 🔹How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹Amex Gold Card Worth It In 2022?! (Amex Gold Card Review): https://youtu.be/iF07TX7MH8Y 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. #creditcardtransferpartners #amexplatinum #chasecreditcards

Here are my TOP PICKS for the WORST CREDIT CARDS of the year across 6 different categories. Learn why they’re bad so you can avoid getting them (and other credit cards like them). “Show More” to see Ad Disclosure, links, and additional information below. 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese There are MANY credit cards to choose from. We can talk about the best credit cards for cash back or the best credit cards for travel or the best credit cards for beginners. All of those topics are GREAT to help you identify cards that could be worth adding to your wallet. However…it’s also important to identify the credit cards to AVOID. That way you’ll know if the interest rates or annual fees are too high, if the rewards offer bad value, and if the benefits don’t have a strong value proposition. I broke this video down into 6 separate categories to identify the worst credit card in each one: 1. The Worst Credit Card for Financial Health 2. The Worst Luxury Credit Card/ Worst Premium Credit Card 3. The Worst Airline Credit Card 4. The Worst Hotel Credit Card 5. The Worst Cash Back Credit Card 6. The Worst Store Credit Card In each section, I explain why the credit cards are not worth getting and also offer some tips as to which credit cards you may want to get instead. A few examples of some of the BEST credit cards for travel (plus a few that work for cash back, too) include… 1. Chase Sapphire Preferred for a low-fee travel card 2. Chase Sapphire Reserve for a premium travel credit card with easy-to-use rewards 3. Amex Green Card and Wells Fargo Autograph Cards for an all-in-one card setup 4. Amex Gold Card for dining and grocery spend 5. Amex Platinum Card for a premium travel credit card (and one of the best credit cards for lounge access) 6. Citi Premier Card as a great credit card to earn travel rewards at home within some very useful categories like groceries, gas, and restaurants 7. U.S. Bank Altitude Reserve Card as one of the best credit cards for mobile wallet purchases, including at Costco and Target 8. Chase Freedom Flex and Chase Freedom Unlimited Cards for cash back and/or completing a Chase Trifecta setup 9. Citi Custom Cash Card as an awesome flexible rewards credit card that can give you 5X points in different categories every billing cycle 10. Citi Double Cash Card or Wells Fargo Active Cash Card as a solid option to earn 2% cash back on all purchases (i.e. a solid non-category / non-bonus spend card … also called catch-all credit card) 11. Capital One Venture X for a premium travel credit card with one of the lowest annual fees, plus benefits that are easy to maximize (including Priority Pass lounge access, Capital One Lounge access, a $300 travel credit to be used via the Capital One Travel portal, and 10,000 bonus points each account anniversary) 🎬 MORE CREDIT CARD VIDEOS 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo 🔹CREDIT CARDS 101: When To Pay Credit Card Bill To Increase Credit Score: https://youtu.be/BtIwGldr9rY 🔹CREDIT CARDS 101: How Often To Apply For Credit Cards: https://youtu.be/2p7egp0iz9M 🔹How to Make a BUDGET ON EXCEL For Beginners: https://youtu.be/3vkabK9u0qA 🔹Amex Points 101 – How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹HOW TO USE CHASE ULTIMATE REWARDS (Best Way To Redeem Chase Ultimate Rewards Points): https://youtu.be/qGUHe0xfKFk 🔹Amex Platinum Card Review: https://youtu.be/IaLBFpQj-eE 🔹7 BEST Amex Platinum Card Benefits (How to Use Them): https://youtu.be/bz74ofQKM2s 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. #worstcreditcards #creditcards101 #creditcardsforbeginners

Amex credit cards are awesome BUT trying to get the best Amex signup bonus can be frustrating. Here are 7 Amex credit card HACKS to get better value when applying for your next Amex card. “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 http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗FREQUENT MILER BLOG POST – Bending Amex’s Lifetime Rule https://frequentmiler.com/bending-amexs-lifetime-rule/ 🔗MILES TO MEMORIES BLOG POST – Amex Welcome Offer Dilemma? Why You Should Apply Now Even If A Denial Is Expected https://milestomemories.com/american-express-welcome-offer/ American Express cards can provide fantastic value both for cash back rewards or travel rewards in the form of Amex Membership Rewards points. Here are 7 hacks to help you get more value with Amex signup bonuses: 1. Clear cache / use incognito or private browser windows. Then, go to the Amex website and browse offers (or copy & paste an Amex referral link into the browser). This will make it look like you’re visiting Amex’s site for the first time and hopefully you’ll see elevated offers. 2. Amex No Lifetime Language Offers (NLL Offers). When targeted, you may see offers that do not have the following text: “The welcome offer, intro APRs, and intro plan fees are not available to applicants who have or have had this card.” That’s the Amex lifetime language, and if it’s not present, then you may be able to get the welcome offer again. 3. Amex Popup Window / Amex Popup Jail: Amex will let you know if you’re ineligible for a welcome offer BEFORE a credit check is performed. If you DO receive the pop-up, you can Cancel the Application. If you DO NOT receive the pop-up, you can Continue & Submit. If you get approved, you can receive / earn the offer. 4. Amex Lifetime Rule: Amex may only have a 5-year look-back period. If you’ve had a certain card before, then normally you’d be ineligible to get the welcome bonus again. However, if 5 or so years have passed, you could submit an Amex credit card application for the same card & see if you can get approved. Remember, the Amex popup window is your friend :D 5. Refer Your Player 2: Use the Amex Refer A Friend opportunity. Once you get an Amex credit card, you’ll have access to your own referral links. Send them to your Player 2. If they get approved, they’ll get their own signup bonus AND you’ll get a referral bonus. This is a great way to earn Amex points FAST! 6. Check Multiple Channels: Amex is known to show different offers via different marketing channels. So, be sure to check your direct mail, email, online website, referral links, pop-ups that may show within your Amex account, banner ads, partner websites (like Resy.com), etc. 7. Maxed-Out Denial to Approval Method: There’s a lot to explain with this one (watch the video for details) :D 🎬 MORE CREDIT CARD VIDEOS 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo 🔹Amex Green Card Review: https://youtu.be/XRPqj2twpXQ 🔹HUGE UPDATE – Amex Blue Cash Everyday (New Benefits): https://youtu.be/vRV5CsjGgRo 🔹Amex Points 101 – How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s 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. #americanexpress #bestamexcards #amex

I’m revealing the FIRST American Express credit card I ever got back in 2013! Check out the rewards, benefits, and more to see where my Amex journey began nearly 9 years ago! 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 http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! http://markscreditcards.com/offers 🏦 SOFI CHECKING & SAVINGS – Get $25 FREE (or more w/ direct deposit) http://markscreditcards.com/sofibanking 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten 📈 GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔐 AURA – Identity Theft Protection & More! Get Your 2-Week Free Trial: https://aura.com/markreese 🔗AMEX WEBSITE - Benefits of Amex Blue Sky Card: https://global.americanexpress.com/card-benefits/view-all/blue-sky 🔗MY BANK TRACKER ARTICLE - Blue Sky from American Express Credit Card Review: https://www.mybanktracker.com/credit-cards/expert-reviews/blue-sky-preferred-american-express-card-review-262515 🔗UPONARRIVING BLOG POST - Review: Blue Sky From American Express https://www.uponarriving.com/2017/07/19/review-blue-sky-american-express-card/ There are a TON of American Express credit cards available today, some of the best and most known are: - Amex Platinum Card - Amex Gold Card - Amex Green Card - Amex Blue Cash Preferred Card - Amex Blue Cash Everyday Card - Amex Everyday Credit Card - Amex Everyday Preferred Credit Card - Amex Cash Magnet Card - Amex Blue Business Plus Card Despite all of the great Amex cards today, my FIRST Amex card is actually no longer available (it was discontinued a number of years ago). It was called the Blue Sky from American Express Card. Here’s some information about it! Welcome Bonus - Usually the card had no signup bonus, but occasionally you could earn 7,500 bonus points after spending $1,000 in the first 3 months. The value of those points was $100 towards travel purchases as a statement credit. Rewards - Earning - Earn 1 point per dollar spent, that’s it! Rewards - Redeeming - There were a variety of different redemption options. The highest value option was for travel via statement credit, where 7,500 points = $100 (i.e. 1.33¢ per point). Other options included gift cards, merchandise, and cash back, all of which were a lower value, often between 0.72¢ – 0.77¢ per point. You also had to redeem in 7,500-point increments and do so within 6 billing cycles of the charge(s) posting to your account. Furthermore, you could not convert the rewards into Amex Membership Rewards points, or vice versa. Annual Fee - None Foreign Transaction Fees - Yes, 2.7% Insurance, Protections & Other Benefits - Car rental loss and damage insurance - Access to the Global Assist hotline - Roadside Assistance - Travel accident insurance - Extended warranty protection - Return protection - Purchase protection - Free 2-day shipping at selected merchants through ShopRunner 🎬 MORE CREDIT CARD VIDEOS 🔹Amex Gold Card Review: https://youtu.be/vRV5CsjGgRo 🔹Amex Green Card Review: https://youtu.be/XRPqj2twpXQ 🔹HUGE UPDATE – Amex Blue Cash Everyday (New Benefits): https://youtu.be/vRV5CsjGgRo 🔹Amex Points 101 – How to Use Amex Membership Rewards Points: https://youtu.be/OAos9ucMPVo 🔹Amex Platinum Card Review 2022: https://youtu.be/IaLBFpQj-eE 🔹7 BEST Amex Platinum Card Benefits 2022 (How to Use Them): https://youtu.be/bz74ofQKM2s 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. #americanexpress #amexplatinum #amexgold