Best “everywhere else” cards for non category spend. Buy crypto. Get $10 in Bitcoin from SoFi Invest. Make your first crypto trade of $10 or more to get your bonus.*
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My review of the SoFi credit card: The first credit card that lets you cash in on crypto. The SoFi credit card is designed to help you save, invest, and pay down eligible SoFi debt.
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Timeline
0:00 Start Here
1:30 U.S. Bank Altitude Reserve
3:20 SoFi Credit Card
5:03 Citi Double Cash
7:16 Chase Freedom Unlimited
8:58 Bank of America Alaska
10:18 Bonus Mention
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29 comments
my catch all card is the Centurion card 😂
Benefit: FLEX… FLEX… FLEX
I immediately paused the video and applied when you said 325 travel credit cause I'm AD Military (MLA fee waivers), but I think I'm gonna get denied cause US Bank wants you to be a customer for at least 5 days. I have a new student checking account with US bank now lol. I'll reapply in a month if I get denied.
Don't make the same mistake I did guys, open a free checking account first if you can.
Really big fan of the PayPal Cashback MasterCard. 2% back on everything without having to have $25 to cash out like the citi double cash
Wow nice Sebby! I love SoFi and I’m investing big in their stock!
Why no mention of the WF Active Cash? It’s the best catch-all, no doubt, when coupled with the Visa Signature. It gives 3% flat back towards flight bookings. This setup is the best catch all on the market.
SPG!! Oh wait, that's gone… I would probably do BoA Premium Rewards as a 1 card setup.
Sebastian! Why haven’t you hit 1 million subscribers yet! I appreciate the research you do. Making things easier for us!
Why DC over active cash? You get a sub plus cell phone protection which is nice.
Your room decorations are pretty damn cool haha
In investing, many times, risk is high at higher prices and low at lower prices. I often disliked a stock at 100, liked at 50, loved at 20. If data improvement has led to lower prices, your risk have actually decreased.
How about new Wells Fargo Active Cash. 2% on everything and it has SUB.
i use the Paypal MC 2% card for my all else spend
I gave my wife my Discover miles card for 1.5% on anything.
Not sure why everyone seems to be on citi double cash train yet never mention paypal Mastercard which offers 2% back as well. Double cash has 3% foreign transaction fee while PayPal has 0. PayPal you can transfer any amount of cash back to your PayPal account then to your bank with no minimum….. double cash scrapped many of its good features and seems like citi will continue to do this. Just seems biased to me
Wells Fargo just released a 2% card with cell phone insurance + $200 back for $1000 spend within 3months
I think he purposely didn’t include the Wells Fargo Active Cash Credit Card
No mention of the Capital One Venture card? I personally think it’s a decent card, has 1:1 transfer partners now and purchase eraser. And a good compliment card to any eco system.
Oh can you use the Citi ThankYou points from the double cash card directly to travel partners? For some reason I thought you needed a Citi Premier/Prestige card for the travel partner portion. Is there a video on how exactly to do that? I don’t really see the travel partners as an option on mine
I just added Navy FCU to my portfolio and will replace my Citi 2X card. It’s 3% points on ALL travel purchase (including amusement parks, golfing, etc.), 2% points on everything else, and 0% balance transfer fee (great for the holiday spending surge). I’m just interested in cashback option and the $45 annual fee is a minor factor for me.
Alliant Visa Credit card dropped their annual fee
Seby, Does altitude reserve 3% work for Apple Pay?
Been meaning to get a newer everything else card. Figured I'd try Sofi, thanks for the recommendations. Took 3 days but got approval.
I'm wondering if the average breakdown in the beginning really makes sense. The average American's monthly expanses might be $5,102 but that is almost certainly not the median. Interestingly enough, I can't find the median or the full distribution in a quick Google search. But my point is, that number is certainly misleading. It is heavily skewed by a few people on the top who have expanses of hundreds of thousands to millions of dollars a month while the vast majority of people is far below the average of five thousand something.
I use Fidelity VISA. 2% cash back on everything, no annual fee…. Keep it simple..
I'd point out that the breakeven on the Altitude Reserve should be $75/(0.025) = $3000. This is because you could otherwise put the spend on a $0 AF 2% card.
Why no AOD FCU VISA Signature Credit Card for this video? The 3% cash back, somewhat low APR, no foreign transaction fee, rewards automatically transferred, among other benefits seem like they would make this card a real contender among those pursuing cash back.
I use my newly recicved Cap 1 Venture…helps on my 2 countries visited per year. Also basically it's a 2% cash back on everything. My limits big enough to have my maintenance fee n smaller bills come off automatically with there being money left over.
The most important question to ask yourself with credit cards is which card do I use by default when nothing fits into a category, and what value will I get out of it, i.e. the minimum return? Those 2% cash back cards come in handy here, or the BoA cards, especially if you're in pref. rewards.
Alaska card is very useful for me as their partner is Condor. And they fly from Phoenix to Frankfurt direct. I don't really care about Japan or southeast Asia, and you don't have to be a high spender at all. One trip to let's say Hawaii more than covers the annual fee of i go with someone like my gf. Even of we fly pretty much anywhere else in US, it will be more that 121 dollars for sure roundtrip. That alone covers your af. And the fact they partner with Condor saves me a bit of money as i do travel to Europe to go home often.
Ps. Boa cards are unbeatable if you're a preferred rewards members. The travel rewards one gives you 2.625 back on everything if you have more than 100k invested. And it's free. If you need fancy lounges to wait around at the airport then you should go for some of the higher annual fee cards, but i don't care about it and this is wayyy easier
Wells Fargo Active Cash Card?