Mark Reese // Credit & Finance

Do you want to combine Chase points for greater value or share them with another person? This video will show you how, step by step, so you can maximize the value of your points! Click “Show More” to see Ad Disclosure. 📲 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 ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull WHY COMBINE CHASE POINTS? - Get more value via Chase Pay Yourself Back feature - Get more value via Travel redemptions via Chase Travel Portal (i.e. Ultimate Rewards portal) - Get access to Chase transfer partners Chase’s no-annual-fee credit cards give a lower redemption value for select redemptions (especially travel) and DO NOT offer transfer partner functionality. Chase’s ‘fee cards’ give a higher redemption value for select redemptions (especially travel) and DO offer transfer partner functionality. VALUE OF CHASE POINTS (when redeeming) Chase Freedom Flex - Cash Back: 1.0¢ - Pay Yourself Back: 1.10¢ - Travel (Portal): 1.0¢ - Travel (Transfer Partners): N/A Chase Freedom Unlimited - Cash Back: 1.0¢ - Pay Yourself Back: 1.10¢ - Travel (Portal): 1.0¢ - Travel (Transfer Partners): N/A Chase Ink Business Cash - Cash Back: 1.0¢ - Pay Yourself Back: 1.10¢ - Travel (Portal): 1.0¢ - Travel (Transfer Partners): N/A Chase Ink Business Unlimited - Cash Back: 1.0¢ - Pay Yourself Back: 1.10¢ - Travel (Portal): 1.0¢ - Travel (Transfer Partners): N/A Chase Sapphire Preferred - Cash Back: 1.0¢ - Pay Yourself Back: 1.25¢ - Travel (Portal): 1.25¢ - Travel (Transfer Partners): 1.8¢ (avg.) Chase Ink Business Preferred - Cash Back: 1.0¢ - Pay Yourself Back: 1.25¢ - Travel (Portal): 1.25¢ - Travel (Transfer Partners): 1.8¢ (avg.) Chase Sapphire Reserve - Cash Back: 1.0¢ - Pay Yourself Back: 1.5¢ - Travel (Portal): 1.5¢ - Travel (Transfer Partners): 1.8¢ (avg.) HOW TO COMBINE CHASE FREEDOM AND SAPPHIRE POINTS (AND CHASE INK POINTS) 1. Log into your Chase account 2. Click on a card that earns Chase Ultimate Rewards points 3. Go to Ultimate Rewards portal (by clicking on your rewards balance / 'redeem' link) 4. Click on a card that earns Chase Ultimate Rewards points (a second time, if it asks you) 5. Once you’re at the Ultimate Rewards dashboard, go to the Main Menu 6. Choose ‘Combine Points’ 7. Follow the prompts 8. Repeat if you have multiple cards HOW TO COMBINE CHASE POINTS WITH SPOUSE (TRANSFER / SHARE WITH OTHER PEOPLE) 1. To combine (i.e. transfer / share) Chase points with another person, they must be a member of your household (for personal credit cards) or an owner of the business (for business credit cards). 2. First-time transfers done via phone by calling the number on back of your card, providing the other person’s card account number, and having the rep link it to your profile. 3. Future transfers can be done online, following the same procedure as combining points with your own accounts (the other cardholder’s account should appear). 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. #chasefreedom #chasesapphire #chaseultimaterewards

The American Express Everyday Preferred Card has a unique way of earning rewards on everyday spend categories with its 50% boost feature. Learn if it’s the right card for you! Click “Show More” to see Ad Disclosure. 📲 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 ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull NOTE: Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. WELCOME OFFER (March 2022) Earn 15,000 Amex Membership Rewards Points after spending $2,000 on purchases in the first 6 months. Plus, receive a 0% APR for the first 12 months on purchases, then 12.99% - 22.99% variable. The approximate value of the points portion of the offer = $90-$270+ (on average). ANNUAL FEE = $95 Rates & Fees: https://www.americanexpress.com/us/credit-cards/card-application/apply/member/terms/amex-everyday-preferred-credit-card/90001-11-0/#FeeTable EARN AMEX MEMBERSHIP REWARDS POINTS - 3X Groceries: At U.S. Supermarkets | Up to $6,000 spent per year - 2X Gas: At U.S. Gas Stations - 2X Travel: Via Amex Portal (AmexTravel.com) | Includes: airfare, prepaid hotels, prepaid car rentals, vacation packages, and cruises | Does Not Include: non-prepaid car rentals, non-prepaid hotels, ticketing service or other fees, or interest charges - 1X Other Purchases REDEEM AMEX MEMBERSHIP REWARDS POINTS - Travel (Transfer Partners): 1.8¢ per point (avg.) - Travel (Portal): 0.7¢ for hotels, car rentals, cruises, and vacation packages | 1.0¢ per point for flights - Cash Back (Statement Credit): 0.6¢ per point AMEX TRANSFER PARTNERS Airlines - Aer Lingus AerClub - Aeromexico Club Premier - Air Canada Aeroplan - Air France KLM Flying Blue - ANA Mileage Club - Asia Miles - Avianca LifeMiles - British Airways Executive Club - Delta SkyMiles - Emirates Skywards - Etihad Guest - Hawaiian Airlines - Iberia Plus - JetBlue TrueBlue - Qantas Frequent Flier - Singapore Airlines KrisFlyer - Virgin Atlantic Flying Club Hotels - Choice Privileges - Hilton Honors - Marriott Bonvoy AMEX EVERYDAY PREFERRED CARD BENEFITS - 50% Extra Points: Earn 50% more points (minus returns & credits) when you use your card 30+ times in a billing cycle. - ShopRunner: Complimentary membership for free 2-day shipping & returns at 100+ merchants. Enrollment required. - Amex Offers: Savings & rewards at select merchants. AMEX EVERYDAY PREFERRED 50% EXTRA POINTS BONUS Here’s how the rewards structure would look AFTER making 30+ transactions in a billing cycle to unlock the 50% boost: - 4.5X Groceries at U.S. Supermarkets, up to $6K spent - 3X Gas at U.S. Gas Stations - 3X Travel via Amex portal - 1.5X Other Purchases INSURANCE & PROTECTIONS - Car Rental Loss & Damage Insurance - Purchase Protection - Return Protection - Extended Warranty - Global Assist Hotline Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. Card Members are responsible for the costs charged by third-party service providers. SHOULD YOU GET IT? YES if you… - Spend frequently at supermarkets & gas stations - Will use the card 30+ times in a month - Want a good card for ‘non-bonus’ spend (1.5X on all purchases w/ 50% extra feature) - Want to earn travel rewards instead of cash back - Want a simple card with strong rewards and without a lot of credits / benefits to manage NO if you… - Don’t spend often at supermarkets & gas stations (incl. if you buy groceries at superstores, departments stores, or wholesale clubs … which are not eligible) - Cannot use the card 30+ times in a month - Prefer cash back rewards over travel points - Can’t justify the annual fee FINAL NOTE: This card can also work well when used along with other Amex cards that earn Membership Rewards points (e.g. Amex Platinum Card, Amex Gold Card, Amex Green Card, and others) because you can combine points into 1 balance! 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 #amexeverydaypreferred #travelcreditcards

The Citi Custom Cash is one of the BEST cash back credit cards with no annual fee, AND it can work well as part of a travel credit card setup! Learn why it’s worth adding to your wallet! (Click “Show More” to see Ad Disclosure. 📲 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 ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull REASON #1: WELCOME OFFER + NO ANNUAL FEE As of March 2022, earn $200 cash back after spending $750 on purchases in the first 3 months of account opening. Plus, receive a 0% intro APR for the first 15 months on purchases & balance transfers, then 13.99% - 23.99% variable. Of course, the intro APR is NOT an invitation to spend more money than you’d spend normally. Rather, it can be helpful to pay down existing balances on other cards faster and/or finance a large purchase, both of which can be done interest free for 15 months. Be sure to pay off the entire balance in full prior to the intro APR expiration date to avoid all interest charges. Offer Notes: - Citi will only issue one Citi Custom Cash Card account per person. - Bonus is not available if you already received one for opening a new Citi Custom Cash Card account in the past 48 months. REASON #2: 10-IN-1 REWARDS CATEGORY What I’m referring to is the “5% Top Eligible Spend” rewards category. It allows you to earn 5% cash back in the category where you spent the most each billing cycle. Valid on the first $500 spent each cycle. The eligible categories are below: - Restaurants - Gas Stations - Grocery Stores - Select Travel - Select Transit - Select Streaming Services - Home Improvement Stores - Live Entertainment - Drugstores - Fitness Clubs 🎬 To learn what counts for each category, watch my Citi Custom Cash review video here: https://youtu.be/YHj6-ZC8LyA REASON #3: EARNS CASH BACK IN THE FORM OF CITI THANKYOU POINTS Why this is a good thing… (a) You still get the same value as if you were earning true cash back 1 point = 1¢ ($0.01) 5% cash back = 5X points Example: If you spend $100 in a 5% category, you’ll earn… $100 x 5 points = 500 points = $5.00 cash back (b) You can obtain BIG potential value for travel via transfer partners when combined with the Citi Premier Card (i.e. 1 point = 1.0¢ - 2.0¢+) REASON #4: COMBINE POINTS WITH OTHER CITI CREDIT CARDS That is, you can combine Citi ThankYou Points earned from multiple Citi cards to create a more powerful setup for cash back or travel. Example: - The Citi Prestige Card earns 5X on air travel, restaurants, and travel agencies - The Citi Premier Card earns 3X on air travel, hotels, restaurants, supermarkets, and gas stations - The Citi Double Cash card earns 2X on all purchases (1X when you buy, 1X when you pay) - The Citi Rewards+ Card earns 2X on supermarkets and gas stations, PLUS rounds up all purchases to the nearest 10 points, PLUS gives you 10% points back when redeeming (up to 100,000 points redeemed per year). You can use the right card for the right purchase to earn the highest amount of points possible, then combine all the Citi ThankYou points earned from all those cards into 1 rewards balance. As long as you have the Citi Premier Card and/or the Citi Prestige Card, you can then use the Citi transfer partners to get big, outsized value for your points when building select itineraries. REASON #5: GREAT ADDITION TO A MIXED CASH BACK CREDIT CARD SETUP Since cash back might be redeemed via check or direct deposit to a checking account, you can use any cash back credit card you like…from any bank…and indirectly ‘combine’ all your cash back redemptions into 1 bank account. That means you’re free to choose whichever cash back credit cards you like best from any issuer to create a mixed, multi-card setup to cover different spend categories. Example: - Citi Custom Cash = 5% Top Spend Category | 1 % Other - Capital One SavorOne = 3% Dining, Grocery, Entertainment, Streaming | 1% Other - Bank of America Customized Cash Rewards = 3% Choice | 2% Grocery, Wholesale | 1% Other - Wells Fargo Active Cash = 2% All Purchases 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. #citicustomcash #cashbackcreditcards #bestcreditcards

The Capital One Venture X welcome bonus is expiring soon, plus some BIG UPDATES are coming to the Capital One Travel portal and the list of Capital One Transfer Partners! Click “Show More” to see Ad Disclosure. 📲 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 ‼️ GET FREE STOCKS FROM WEBULL when you open an account & make a deposit: http://markscreditcards.com/webull 🔗 CNBC ARTICLE (Capital One’s new travel portal includes cancel-for-any-reason coverage and price protection tools): https://www.cnbc.com/select/capital-one-debuts-new-travel-portal/ UPDATE #1: CAPITAL ONE VENTURE X WELCOME OFFER - The Capital One Venture X initial launch offer of 100,000 bonus miles plus a $200 Vacation Rental Credit after spending $10,000 on purchases in the first 6 months will be valid through 3.14.2022. It will then expire. - Starting 3.15.2022, a new welcome offer will become available. UPDATE #2: NEW CAPITAL ONE TRANSFER PARTNER! - In the coming weeks, Virgin Red will become a 1:1 miles transfer partner of Capital One. - This will the 16th transfer partner offering a 1:1 transfer ratio (out of 18 total Capital One transfer partners). - Virgin Red is the combined loyalty program for Virgin brands: Virgin Atlantic, Virgin Hotels, Virgin Voyages, Virgin Experience Gifts, etc. The Capital One credit cards with transfer partners include: - Capital One VentureOne Rewards credit card ($0 annual fee) - Capital One Venture card ($95 annual fee) - Capital One Venture X card ($395 annual fee) - Capital One Spark Miles (2X Miles | $0 annual fee in Year 1, then $95) - Capital One Spark Miles Select (1.5X Miles | $0 annual fee) CAPITAL ONE TRANSFER PARTNERS (as of 3.01 2022): Airlines - Aeromexico Club Premier - Air Canada Aeroplan - Air France Flying Blue - Asia Miles - Avianca LifeMiles - British Airways Executive Club - Emirates Skywards - Etihad Airways Etihad Guest - EVA Air Infinity MileageLands - Finnair Plus - Qantas Frequent Flyer - Singapore Airlines KrisFlyer - TAP Miles&Go - Turkish Airlines Miles&Smiles Hotels - ALL Accor Live Limitless - Choice Privileges - Wyndham Rewards UPDATE #3: LIMITED-TIME CAPITAL ONE TRANSFER PARTNER BONUSES - Available from 3.01.2022 – 3.31.2022 - Receive 20% bonus points / miles when transferring to: - Aeromexico Club Premier - Avianca LifeMiles - Wyndham Rewards UPDATE #4: CAPITAL ONE TRAVEL PORTAL – CANCEL FOR ANY REASON! - Over the next few weeks, the ‘Cancel For Any Reason’ feature will be rolling out within the Capital One Travel portal. - For a small upfront fee, customers will be able to cancel their flight(s) booked via the portal up to 24 hours before their first scheduled departure and receive most of their ticket cost back. - Cancelations will be easy – just a few clicks – and no questions asked. - Per the CNBC article (link at top), it looks like the refund will be 80% of the ticket price. 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. #capitalonetravel #capitaloneventurex #capitalonecreditcard

Learn how to understand your credit card bill! Includes when to pay credit card bill to avoid interest, credit cards basics like billing cycles & due dates, credit card APR explained, and more! Click “Show More” to see Ad Disclosure. 📲 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 ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull CREDIT CARD STATEMENT: TERMS TO KNOW 1. STATEMENT: Your monthly bill, which shows how much you spent, when payment is due, interest, fees, and more. 2. BILLING CYCLE: A period of time, usually lasting 28-31 days, during which your recent charges are arranged into a statement (i.e. your bill). It’s simply bank’s way of grouping your purchases together so you can see them all in 1 place and make 1 payment to pay them off (or multiple payments over time, with interest). It consists of an Opening Date & Closing Date and can be different for every card. 3. OPENING DATE: The first day of your billing cycle. 4. CLOSING DATE: The last day of your billing cycle. With most banks, your card balance on the Close Date is what gets reported to the bureaus to calculate your utilization (known exceptions incl. U.S. Bank). 5. PREVIOUS BALANCE: The balance from your previous statement. 6. PAYMENTS, CREDITS: Payments you’ve made & credits received since your previous statement. 7. PURCHASES: Total amount of all purchases made during the statement billing cycle. 8. CASH ADVANCES: A short-term cash loan taken from your credit card. Fees & interest are charged, and the loan must be paid back. 9. BALANCE TRANSFERS: Balances that you transferred to your card from another account. 10. FEES CHARGED: Fees incurred during the statement billing cycle. May include: annual fees, late payment fees, foreign transaction fees, cash advance fees, overlimit fees, etc. 11. INTEREST CHARGED: Interest charged from previous statement balances that were not paid off in full by the due date. 12. NEW BALANCE: The amount due from your current statement. This is the amount you want to pay in full by the due date to get an on-time payment & avoid interest charges. 13. CREDIT LIMIT: The maximum amount you can spend on the card. 14. AVAILABLE CREDIT: The remaining amount of your credit limit that is available for purchases at any point in time. It can change daily and is calculated like this: Credit Limit – Current Balance = Available Credit 15. CASH ACCESS LINE: The maximum amount of cash you can access from your credit card via a Cash Advance. 16. AVAILABLE FOR CASH: The remaining amount of your Cash Access line that is available for Cash Advances. 17. PAST DUE AMOUNT: The amount from your previous statement(s) that was not paid off in full by the due date. 18. BALANCE OVER THE CREDIT LIMIT: The total amount you spent above your credit limit. Some banks may allow you to spend beyond your credit limit, but may charge fees and/or deny certain transactions. 19. MINIMUM PAYMENT DUE: The smallest amount you can pay to get an on-time payment and avoid fees. However, interest will be charged on the portion that you don’t pay by the Payment Due Date. 20. PAYMENT DUE DATE: The final day you can submit a payment for it to be considered on time and avoid penalties. Only the Minimum Payment is required, but in order to avoid interest charges, you need to pay off your full statement balance (i.e. “New Balance”). The 25 days between the Opening & Closing dates is called the Grace Period. You can pay your bill on any of those days for it to be considered on time, and you’ll avoid interest charges, too. 21. PAYMENTS AND OTHER CREDITS: The payments you made and credits received during the billing cycle. 22. PURCHASES: The purchases you made during the billing cycle. 23. INTEREST CHARGES: How much interest was charged due to: - Purchases made in previous billing cycles that were not paid off in full by due date. - Cash Advances that were performed. - Balance Transfers that were performed. 24. APR: Represents the cost of borrowing on a credit card. It stands for Annual Percentage Rate and is the rate of interest you’ll pay on unpaid balances over the course of a year. 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 #creditcardsexplained #creditcardsforbeginners

The Chase Sapphire Preferred vs. Amex Gold Card comparison is about to begin! These 2 travel credit cards are MASSIVELY popular, but which is best for you? Watch to find out! Click “Show More” to see Ad Disclosure. 📲 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 ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull NOTE: Terms apply to credit card offers, benefits, and more. WELCOME OFFER (Feb. 2022) - Chase Sapphire Preferred (CSP): Earn 60,000 Ultimate Rewards points after spending $4K in purchases within the first 3 months. Approx. value towards travel = $750+. - Amex Gold Card: Earn 60,000 Amex Membership Rewards points after spending $4K in purchases within the first 6 months. Approx. value towards travel = $600+ ANNUAL FEES CSP = $95 Amex Gold Card = $250 EARNING POINTS CSP - 5X Travel (Portal) = 6.25% - 3X Dining = 3.75% - 3X Online Grocery = 3.75% - 3X Select Streaming = 3.75% - 2X Other Travel (Non Portal) = 2.5% - 1X Other Purchases = 1.25% Amex Gold Card - 4X U.S. Supermarkets (up to $25K spend/yr.) = 4% - 4X Dining (at restaurants worldwide, plus takeout & delivery in the U.S.) = 4% - 3X Flights (booked directly or via Amex Travel) = 3% - 1X Other Purchases = 1% REDEEMING POINTS (Value Per Point) Travel (Transfer Partners) - CSP: 1.8¢, avg. - Amex Gold Card: 1.8¢, avg. Travel (Portal) - CSP: 1.25¢ - Amex Gold Card: 0.7¢ - 1.0¢ Cash Back (Statement Credit) - CSP: 1.0¢ - Amex Gold Card: 0.6¢ CREDIT CARD BENEFITS CSP - Hotel Credit: $50 /yr., valid for Chase Ultimate Rewards portal bookings - Hotel Benefits: Visa Signature Luxury Hotel Collection portal access - Anniversary Bonus: Yes, equal to 10% of purchases made in prior year, issued in points - Partner Benefits: DoorDash, Lyft, Peloton - Foreign Transaction Fees: None - Authorized Users: $0 Amex Gold Card - Uber Credit: $120/yr. - Dining Credit: $120/yr. - Hotel Benefits: The Hotel Collection - Foreign Transaction Fees: None - Authorized Users: $0 for first 5, then $35 each after that CHASE TRANSFER PARTNERS Airline - Aer Lingus AerClub - Air Canada Aeroplan - Air France KLM Flying Blue - British Airways Executive Club - Emirates Skywards - Iberia Plus - JetBlue TrueBlue - Singapore Airlines KrisFlyer - Southwest Airlines Rapid Rewards - United MileagePlus - Virgin Atlantic Flying Club Hotel - IHG Rewards - Marriott Bonvoy - World of Hyatt AMEX TRANSFER PARTNERS Airline - Aer Lingus AerClub - Aeromexico Club Premier - Air Canada Aeroplan - Air France KLM Flying Blue - ANA (All Nippon Airways) - Asia Miles - Avianca LifeMiles - British Airways Executive Club - Delta Air Lines SkyMiles - Emirates Skywards - Etihad Guest - Hawaiian Airlines - Iberia Plus - JetBlue TrueBlue - Qantas Frequent Flyer - Singapore Airlines KrisFlyer - Virgin Atlantic Flying Club Hotel - Choice Privileges - Hilton Honors - Marriott Bonvoy INSURANCE & PROTECTIONS - See video at 9 min 36 sec WHICH IS BEST CSP is best for… - Spending on Travel + Streaming - People who want simple, high-value rewards without needing to understand transfer partners or airline alliances - Insurance & protections Amex Gold Card is best for… - Spending at U.S. Supermarkets + Dining - People who’d use Uber & dining credits - Rewards maximizers who use transfer partners & airline alliances regularly WHICH CREDIT CARD SHOULD YOU GET? Get the AMEX GOLD CARD if you… - Spend a lot at supermarkets in the U.S. & restaurants - Already spend with Uber & dining credit partners - Value travel rewards instead of cash back - Are willing to learn how to use transfer partners & airline alliances to get strong value - Are OK with a high annual fee & high-cost multi-card setup Get the CHASE SAPPHIRE PREFERRED if you… - Spend broadly on travel, dining & streaming - Want travel rewards as Plan A w/ cash back as Plan B - Like easy-to-use, high-value redemptions (plus access to transfer partners for even greater value) - Want more comprehensive insurance & protections for travel - Prefer a lower-fee card & low-cost multi-card setup 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. #chasesapphire #amexgold #travelcreditcards

It’s time to apply for a new Amex credit card! I’ve chosen the Hilton Honors Business Card for the BIG welcome offer of 130,000 points + Free Night Reward and ongoing benefits. Watch me go through the Amex business card application. Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull WELCOME OFFER (Feb. 2022) Earn 130,000 Hilton Honors points plus a Free Night Reward after spending $3,000 in purchases in the first 3 months. The free night reward comes in the form of a certificate that is valid for 1 year and has no limit on point value, cash value, hotel brand, or hotel category. So whether you use it at a Hilton Hampton Inn costing $80 or a Waldorf Astoria costing $800, it will work just fine as long as it’s a standard room! 🎬 VIDEO: How to Redeem Hilton Free Night Certificate https://youtu.be/TFYE3tkLQug The APR will be a variable 15.74% - 24.74% based on creditworthiness and other factors. ANNUAL FEE = $95 EARNING POINTS 12X Hilton Hotels & Resorts 6X Flights booked directly w/ airlines or via Amex Travel portal 6X Car Rentals booked directly from select companies 6X U.S. Restaurants 6X U.S. Gas Stations 6X U.S. Shipping providers 6X U.S. Wireless Telephone Services purchased directly w/ providers 3X Other Purchases KEY BENEFITS - Hilton Honors Gold Status (complimentary) - Hilton Honors Diamond Status after spending $40K in a calendar year on your card - 1st Free Weekend Night Reward each year you spend $15K in a calendar year - 2nd Free Weekend Night Reward each year you spend $60K in a calendar year - Priority Pass membership: Up to 10 free visits per year, then day pass rate after that - No Foreign Transaction Fees MY CREDIT SCORE / CREDIT REPORT Credit Scores - Experian: 782 (FICO Score 8) - TransUnion: 797 (VantageScore 3.0) - Equifax: 819 (VantageScore 3.0) Inquiries - Experian: 6 - TransUnion: 6 - Equifax: 1 New Accounts - Past 12 months: 2 - Past 24 months: 4 Average Age of Accounts - 4 years Prior Relationship - Amex personal cards - Amex business cards - Amex High Yield Savings Account MY CREDIT FACTORS – AFTER - No changes to any factors. Once you have a card relationship with Amex, future credit card applications are usually a soft pull. Also, Amex business cards do not get reported to your personal credit report, so they do not affect your credit score nor to they effect the Chase 5/24 rule. GOOD TO KNOW - Anecdotally, you ‘may’ get an American Express financial review if you get high credit limits from them. For that reason, a general recommendation is to stay around $35,000 or less of total credit limit across personal and business credit cards, and at $25,000 or less on an individual card. This is not a hard rule and exceptions do exist. As you saw in the video, I went from a total of $31K of total credit to a new total of $50.2K after the approval. However, I also completed a very big spend year (2021) with Amex, putting over $97K through my cards, so that could have put me into the ‘exception’ category for now. - Also, in terms of how many Amex cards can you have, the general answer is 4-5 credit cards and 10 charge cards. I had 4 Amex credit cards prior to applying for the Hilton Honors Business Card, and with the approval, I’m now at 5 credit cards. Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor. #americanexpress #hiltonhonors #amexbusinesscard

It’s time to compare 2 of the best travel credit cards in the mid-tier range, the Chase Sapphire Preferred vs. Citi Premier. Find out which one may be the better fit for you! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull NOTE: Terms apply to credit card offers, benefits, and more. WELCOME OFFER (Feb. 2022) - Chase Sapphire Preferred (CSP): Earn 60,000 Ultimate Rewards points after spending $4K in purchases within the first 3 months. Approx. value towards travel = $750+. - Citi Premier Card: Earn 60,000 Citi ThankYou points after spending $4K in purchases within the first 3 months. Approx. value towards travel = $600+ ANNUAL FEES CSP = $95 Citi Premier = $95 EARNING POINTS CSP - 5X Travel (Portal) = 6.25% - 3X Dining = 3.75% - 3X Online Grocery = 3.75% - 3X Select Streaming = 3.75% - 2X Other Travel (Non Portal) = 2.5% - 1X Other Purchases = 1.25% Citi Premier - 3X Flights = 3% - 3X Hotels = 3% - 3X Restaurants = 3% - 3X Supermarkets = 3% - 3X Gas Stations = 3% - 1X Everything Else = 1% REDEEMING POINTS (Value Per Point) Travel (Transfer Partners) - CSP: 1.8¢, avg. - Citi Premier: 1.7¢, avg. Travel (Portal) - CSP: 1.25¢ - Citi Premier: 1.0¢ Cash Back (Statement Credit) - CSP: 1.0¢ - Citi Premier: 1.0¢ CREDIT CARD BENEFITS CSP - Hotel Credit: $50 /yr., valid for Chase Ultimate Rewards portal bookings - Hotel Benefits: Visa Signature Luxury Hotel Collection portal access - Anniversary Bonus: Yes, equal to 10% of purchases made in prior year, issued in points - Partner Benefits: DoorDash, Lyft, Peloton - Foreign Transaction Fees: None - Authorized Users: $0 Citi Premier Card - Hotel Credit: $100/yr., valid on single hotel stays of $500+, excluding taxes & fees, via the Citi ThankYou portal - Hotel Benefits: Mastercard Luxury Hotels & Resorts portal access - Anniversary Bonus: None - Partner Benefits: DoorDash, Lyft, HelloFresh, ShopRunner, Fandango - Foreign Transaction Fees: None - Authorized Users: $0 CHASE TRANSFER PARTNERS Airline - Aer Lingus AerClub - Air Canada Aeroplan - Air France KLM Flying Blue - British Airways Executive Club - Emirates Skywards - Iberia Plus - JetBlue TrueBlue - Singapore Airlines KrisFlyer - Southwest Airlines Rapid Rewards - United MileagePlus - Virgin Atlantic Flying Club Hotel - IHG Rewards - Marriott Bonvoy - World of Hyatt CITI TRANSFER PARTNERS Airline - Aeromexico Club Premier - Air France KLM Flying Blue - Asia Miles - Avianca LifeMiles - Emirates Skywards - Etihad Guest - EVA Air - InterMiles - JetBlue TrueBlue - Malaysia Airlines Enrich - Qantas Frequent Flyer - Qatar Airways Privilege Club - Singapore Airlines KrisFlyer - Thai Royal Orchid Plus - Turkish Airlines Miles & Smiles - Virgin Atlantic Flying Club Hotel - Choice Privileges - Wyndham Rewards Retail - Sears Shop Your Way INSURANCE & PROTECTIONS - See video at 10 min 14 sec WHICH IS BEST CSP is best for… - A single card covering many travel & at-home rewards categories - More international transfer partners Citi Premier is best for… - Greater overall rewards value for simple redemptions via portal - Insurance & protections WHICH CREDIT CARD SHOULD YOU GET? Get the CITI PREMIER CARD if you… - Spend a lot on gas & grocery - Want rewards that are great for travel & good for cash back - Are willing to learn how to use transfer partners for higher value - Value Citi’s transfer partners - Don’t need / want insurance & protections for travel Get the CHASE SAPPHIRE PREFERRED if you… - Spend broadly on travel & dining - Want rewards that are excellent for travel & good for cash back - Want better value for easy redemptions via Chase portal - Value Chase’s transfer partners - Want insurance & protections for travel AVOID BOTH CARDS IF YOU… - Don’t travel much - Prefer to earn cash back rewards - Aren’t willing to pay an 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. #chasesapphire #citipremier #travelcreditcards

American Express released TWO new art designs for the Platinum Card, one by Julie Mehretu and one by Kehinde Wiley. Join me for a DOUBLE UNBOXING of both cards! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🔗 PRESS RELEASE – American Express Unveils New U.S. Consumer Platinum Card Designs by World-Renowned Artists Julie Mehretu and Kehinde Wiley: https://about.americanexpress.com/all-news/news-details/2021/American-Express-Unveils-New-U.S.-Consumer-Platinum-Card-Designs-by-World-Renowned-Artists-Julie-Mehretu-and-Kehinde-Wiley/default.aspx BACKGROUND Two new Amex Platinum Card designs were announced on December 02, 2021 and became available to new and existing cardholders on January 20, 2022. The card benefits remain the same, though you can now choose between 3 total designs when applying (Platinum Classic, Platinum x Julie Mehretu, and Platinum x Kehinde Wiley). HOW TO GET THE NEW PLATINUM CARD DESIGN 1. If you are applying for the Amex Platinum Card for the first time, you can choose your card design at the beginning of the application process. 2. If you already have the Amex Platinum Card, you can request a replacement online, via the Amex mobile app, via phone, or via chat. Details below for online methods. AMEX PLATINUM CARD REPLACEMENT – ONLINE 1. Sign into your Amex account via desktop & select your Platinum Card 2. Click on Account Services at the top horizontal menu 3. Choose Replace a Card 4. Go through the prompts to complete your request AMEX PLATINUM CARD REPLACEMENT – MOBILE APP 1. Sign into the Amex app and select your Platinum Card 2. Tap on Account in the bottom right menu 3. Tap on Replace a Card 4. Go through the prompts to complete your request AMEX PLATINUM CARD BENEFITS (Short Version) PUBLIC WELCOME OFFER (Feb. 2022) Earn 100,000 Membership Rewards points after spending $6K in the first 6 months. Targeted offers with higher point values may be available. ANNUAL FEE = $695 EARN POINTS - 5X Flights: Booked directly w/ airlines or AmexTravel.com - 5X Hotels: Prepaid via AmexTravel.com - 1X Other Purchases REDEEM POINTS - Travel (Transfer Partners): 2.0¢ per point, avg. - Travel (Portal): 0.7¢ per point for hotels, car rentals, cruises, and vacations | 1.0¢ per point for flights | 1.0¢ per point for Fine Hotels & Resorts - Cash Back (statement credit): 0.6¢ per point SELECT BENEFITS - $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. - $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required. - $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. - American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks. - $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline. - $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. - $300 Equinox Credit: Get up to $25 back each month on eligible Equinox memberships when you pay with your Platinum Card®. Enrollment required. - $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership. - More! Terms 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. #amexplatinum #americanexpress #travelcreditcards

Big news just dropped this Feb. 2022 regarding the current Marriott Bonvoy credit card lineup. There are 2 changes to the Marriott Bonvoy Boundless card, PLUS 2 new card launches in the Japanese market! Click “Show More” to see Ad Disclosure. 📲 MAXREWARDS - Manage credit cards & rewards! Get Gold level for free with PROMO CODE = markr http://markscreditcards.com/maxrewards 💳👉VIEW CREDIT CARD OFFERS! https://markscreditcards.com/offers 🛍 RAKUTEN - Earn Cash Back! http://markscreditcards.com/rakuten ‼️ GET FREE STOCKS FROM WEBULL when you open an account & deposit $100: http://markscreditcards.com/webull 🎬 VIDEO 1: Marriott Bonvoy Brilliant Rumor $750 Annual Fee https://youtu.be/nbIDKcXpnvE 🎬 VIDEO 2: Marriott Bonvoy Brilliant Rumor $650 Annual Fee https://youtu.be/0qOZZAr6u_s 🔗 PRESS RELEASE – Chase and Marriott Bonvoy Announce Enhanced Benefits to Marriott Bonvoy Boundless Credit Card: https://www.businesswire.com/news/home/20220210005155/en/Chase-and-Marriott-Bonvoy®-Announce-Enhanced-Benefits-to-Marriott-Bonvoy-Boundless®-Credit-Card 🔗 MARRIOTT INTERNATIONAL NEWS – Marriott Bonvoy and American Express Launch New Cobrand Credit Cards in Japan: https://news.marriott.com/news/2022/02/09/marriott-bonvoy-and-american-express-launch-new-cobrand-credit-cards-in-japan UPDATE #1: MARRIOTT BONVOY BOUNDLESS CARD UPDATE BRIEF SUMMARY (Quote from press release) “Cardmembers can earn even more on everyday spending and have a new way to elevate Marriott Bonvoy Elite Status, all with no increase to the annual fee; new cardmembers are now eligible for a limited time 100,000 bonus points offer.” KEY POINTS - All existing rewards & benefits on the Marriott Bonvoy Boundless card remain the same - NEW REWARDS: You can now earn 3X points at grocery stores, gas stations, and restaurants on up to $6,000 in combined purchases each calendar year. This means the new rewards structure will be as follows… 6X Marriott Hotels 3X Grocery Stores* 3X Gas Stations* 3X Restaurants* 2X Other Purchases *NOTE: Earn 3X in combined purchases each year on the first $6,000 spent. - NEW BENEFIT: Earn 1 Elite Night Credit for every $5,000 in purchases made on the card. This is in addition to the standard benefit of receiving 15 Elite Night Credits automatically each calendar year simply by having the card open. This means the new benefit summary includes the following… - Automatic Marriott Bonvoy Silver Elite Status - 15 Elite Night Credits - 1 Elite Night Credit for every $5K spent - Marriott Bonvoy Gold Elite Status (after spending $35K) - Marriott Free Night Award (redemption value up to 35K points) - Premium Wi-Fi - No Foreign Transaction Fees - Protections: Baggage Delay, Lost Luggage Reimbursement, Trip Delay Reimbursement, Purchase Protection - Visa Concierge ANNUAL FEE = remains the same at $95.00 UPDATE #2: NEW MARRIOTT BONVOY CREDIT CARDS IN JAPAN New Card #1: Marriott Bonvoy American Express Card - Annual Fee: JPY 21,000 (USD $190) - Welcome Bonus: Earn 10,000 Marriott Bonvoy points after spending JPY 300,000 in the first 3 months - Benefits Include: Automatic Marriott Bonvoy Silver Elite Status, upgrade to Marriott Bonvoy Gold Elite Status after spending JPY 1 million, 4X points at Marriott Bonvoy Hotels, 2X points on other purchases, Free Night Award of 35,000 points upon card renewal // Then For Annual Spending Over JPY 1.5M, receive the following: a $100 property credit for eligible ancillary hotel expenses at The Ritz-Carlton or St. Regis hotels (2-night min. stay required), access to designated airport lounges, luggage delivery in Narita / Kansai / Chubu, and more. New Card #2: Marriott Bonvoy American Express Premium Card (refresh from SPG Amex) - Annual Fee: JPY 45,000 (USD $409) - Welcome Bonus: Earn 30,000 Marriott Bonvoy Points after spending JPY 300,000 in the first 3 months - Benefits Include: Automatic Marriott Bonvoy Gold Elite Status, upgrade to Marriott Bonvoy Platinum Elite Status after spending JPY 4 million, 6X points at Marriott Bonvoy hotels, 3X points on other purchases, // Then For Annual Spending Over JPY 1.5M, receive the following: same benefits as New Card #1 above. MY THOUGHTS With the refresh of the Marriott Bonvoy Boundless card in the U.S., PLUS the 2 new cards in the Japanese market, I’m curious if the U.S.-issued Marriott Bonvoy Brilliant Card from Amex will receive an update at some point (hopefully 2022)! :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. #americanexpress #marriottbonvoy #marriottbonvoyboundless