My NEW 2024 Credit Card Strategy (& 2023 Recap)

In this video, I’m going over my credit card strategy for 2024! I’ll be talking about the best credit cards that I use, how I redeem credit card points for travel, and how I plan to get more value from credit cards in 2024.

My credit card plan for the next year is going to involve 5 key things that I’ll discuss in this video. I’ll also cover how I redeemed my points and miles last year for travel, as well as some credit card predictions to respond to @LukesPointsandMiles

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The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

[chrisoverbey]

Daniel if you’re looking for new content, my suggestion would be redemptions, especially with air travel. I’ve seen some coverage of it, a few examples that kind of glossed over how it was done, and it’s still a mystery to me.

[TheCreditFrog]

Great strategy Daniel! I love how you're using UR+Bilt for hotel and C1+MR for flights - very organized! The one thing I want to point out is that if you intend to PC from the Bus Gold to the Bus Plat, make sure you've applied for the Bus Plat first since you don't want to lose out on that welcome offer! Pretty sure you know this, but I can't remember if you had a Bus Plat in the past. Happy new year bro!!

[EquanSimmonds]

Hey Daniel, since watching your channel a year ago, I have not paid cash for a flight so thank you for everything. Your content is straight to the point and informative with the appreciated transparency. I have a bunch of Chase cards and when attempting to add another to cover a category of spending, was denied. The card I received previously received a really high limit and Chase was trying to get me to slow down lol. However, I called and explained my strategy to tri fecta and such to get as many points as possible. They graciously balanced out my credit limits the way I wanted and gave me the new card. Just reiterating to others not to take a deny personal (as you did), trust your goal is responsible and well thought out. Often the customer service reps are happy to help you achieve it too. Love the content…you could do a series where you receive situations and goals your audience has and provide advice on ways you would go about it. But I know nothing about YouTube content creation so keep doing what your doing and lets earn these points.

[BirchFinance]

Fingers crossed that Chase shakes up their sign up bonus incentives! I'll definitely consider jumping back into the Chase point pool. I downgraded my CSR to a CSP and compliment it with a Freedom Unlimited, but 90% of my spending goes on the Venture X. My hats off to you for rocking the Freedom Flex. Keeping up with those quarterly bonuses becomes a bit of a drag, but certainly worth the 5% if you can keep pace!

[SpencerJohnsonOfficial]

A 2nd Creator Conversations episode in 2024? 👀 It's my turn to take a trip to your neck of the woods this time! Super stoked to see all of your redemptions and new cards in 2024. It's gonna be a great year!

[MattWelterOfficial]

Would love to see a 2nd podcast episode with you & Spencer! Love the specific redemption examples from the trips you took this year & sounds like you were pretty consistently getting great value, in a lot of cases 4 CPP+. Similar to you, I got the Amex Biz Gold 100K offer this year as well, so will definitely be looking for a retention offer there. Also love all of the personal B-Roll that you included in this video! Great video as always Daniel!

[MontyTheCardNerd]

Yes please to another creator conversation between you & Spencer! Also I've never found your stuff to be repetitive, in fact I can always pick out refreshing tips & points (no pun intended) from each video. With that said, also looking forward to these new content formats that you'll be trying.

[EthanPatrick_CreditCards]

Great to see all your experience with points redemptions Daniel It adds a lot of value to your content. For me sometimes it’s just nice to see what other good properties and redemptions others have found. I like your choice in travel destinations!

[AndysCreditCorner]

Agreed about the value of Chase points. Rebuilding them is also going to be my mission in early 2024.

[eallen]

Y'all are for real..for real. This is amazing. Great job!

[anthonygardner]

Such an awesome video, Daniel. You covered a lot of ground, and you did so smoothly and logically. Great job!

[CheckRaiseYou]

Cool dude, I've been watching you for some time now. It seems like you are having some nice IRL wins atm. Congratulations

[Thecreditcardconnection]

Thank you for being so honest and transparent with your Capital One and your redemptions! I can’t stand Capital one! lol. I’m glad you were able to put your points to great use! Happy New Year!

[Milkinporsche]

hey Daniel, i feel honored that our card setup is almost the same, except i dont have bilt yet. I might save that spot for WF's new travel card hopefully coming out 2024.

[Yowhatimean]

I appreciate the perspective you give and how you’ve been able to use your points. Good luck earning points in 2024 🎉 for new adventures.

[MikeMaye]

Recently I've been shifting more to Chase points since I picked up CFU & Chase Business Ulmtd this last quarter. I Also snagged the VX with the 90k offer and plan on keeping that in my rotation for a while. Looks like you got 2024 locked in. Great vid Daniel 💥

[james-zrfi]

I'm interested in investing in alternative assets but I'm not sure if it's a good idea. Can anyone provide some insights on there risks and potential rewards?

[KevinYang]

Awesome plan and some amazing trips using all those points! Really cool to see other creators use their points in various different ways, much different than mine! Also, that's the exact process I did product changing my CSP, but instead chose the regular Chase Freedom instead. That way if I ever cancel my current Freedom Flex after the 24 month mark, I would technically be eligible for getting the bonus again given I wouldn't have another Flex! Maybe something to consider!

[SotoLuiis]

This video made me realize that i dont have as many points as i think i do.

[Frankonator]

Glad to see you switching over to the sapphire reserve!

I’ve had mine for a year now and it pays for itself if you use all the credits and all the travel bonuses on top of that are just extra for me. I understand if you don’t travel much the card may not be for you but the $300 credit for travel even covers tolls which can be easily filled up quickly in central Florida!