The Only 5 Credit Cards You NEED in 2023

This is my list of TOP 5 Credit Cards for 2023! Enjoy.

PS: Realized a mistake in the video, CitiDoubleCash does have a 3% foreign fx fee.

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0:00 - Start Here
0:43 - 5. Venture X
3:47 - 4. Citi DoubleCash
5:16 - 3. Chase Sapphire Preferred
6:35 - Let's Talk Strategy
7:50 - 2. Freedom Flex
9:23 - Beginner Pick
10:32 - 1. American Express Gold

PS: I am not a Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel

[mattnieschwitz]

The Amex Gold is such a great card. Food/Restaurants is many people's top categories and the rewards for it (4 points) are a good value. I've had the card since 2019 and just from our typical spending, my wife and I transferred the points to Delta Skymiles and booked round trip tickets to Italy in July.

[cronospear]

Just FYI, the CITI Double Cash card does have a foreign transaction fee of 3%. Still a solid card regardless

[jmbwashi]

Great video! The Venture X, CSP and CFF are all on my short list for the next year or so.

[Courtney-Alice-Gargani]

These are great for cash back. Those who travel a lot can find one with traveller miles. I like the one with cash back. But you still have to stay discipline and pay it off every month. A lot people max them out because they are compulsive buyers. I love this video. Thanks, Humphrey.

[travis]

I have a strong preference for simple cash back, no annual fee, cards. I don't have to worry about making sure I'm using the right card for the right category, or all the possible features to make up the annual fee, and I just get back about half of the credit card fee the merchant is paying.

[taiwanfirst]

Great info! Some cards have a cap on the dollar amount spent so if you go over the cap- no more points or % back.

[bingoknows]

Great thing about the Apple Card is the security
you can request to change the card number
and the security code changes periodically

[TrinityServant]

These are very well thought out, but could you make a whole list for beginner credit cards?

[maraa]

Aaaaah you’re almost at 1 million subs congrats! Been here since 10k n.n so glad to see you grow!

[Auricale]

hey humprey, long time viewer here

great video as always! but i mostly skipped over these credit cards because you made me super adament about looking for credit cards without any annual fees in your previous credit card videos haha!

looking forward to your next video~

[jmbwashi]

I liked your beginner pic with the  card. I have a sister who doesn’t understand how credit cards work very well and I am recommending that card to her so that she can learn.

[ogre]

Paying off our credit card balances in full at the end of the month is a great start, but a lot of the "perks" of these cards can still enable some poor spending behavior.. even if we are paying off the balance. Like if our card has some great travel perks, we may be more tempted to take a vacation that might not be the best thing to do at that time in our life. And then we're more likely to carry a balance over into the next month because one poor decision often leads to another.

[minutewealth]

Thank you for introducing the ground rules! People do not understand the purpose of a credit card are for the perks, not for the payment terms‼️

[coldbrewer]

What do you think about having CSP, CFF, & C1VX? Essentially, the C1VX would replace the CFU as the catch-all card.

[kermitthefrogg]

So the gold only works in certain restaurants not anywhere I choose to eat? Just confused and I’m trying to apply for a credit card with good benefits, I also travel a lot but I’m not sure on the platinum yet still trying to learn as much

[PhazezOG]

Hey Humphrey, I was wondering if you (or anyone) had any advice/ recommended cards for a 23yo whos credit history is basically student loans and car payments. Thanks I appreciate your insight and Ill definitely look at the citi chase and apple cards

[georgewilliam]

I like the capital one savorone card for dining. I also like the capital one quicksilver card for general cash back. I guess I'm a capital one fan. Yes I pay my credit cards in full.

[weisoman]

Should I get the Citi double Cash or the Chase freedom flex? I have 2 credit cards atm and am looking for a third. With no annual fee. All I really care about is Cashback for now. My fico credit score is 740.

[rizabayoglu]

The Amex Gold card was used to provide better perks. It is a pity they removed yearly $100 flight credits and removed 1 to 1 conversion from points to cash equivalent. It is still a good card to own.

[urbanrenaissanceman]

Still love my amex gold..just got the blue cash prefered for the supermarket credit amd for gas