Ranking My 16 Credit Cards (WORST to BEST)

In this video I’m ranking my 16 credit cards from my worst credit card to my best credit card based on the value that I get from these cards, how much I use them, and more. These credit card rankings might be different if you have the same cards, but this best credit card tier list basically captures what cards provide me with the most consistent value.

As you’ll see in this video, I have a mix of no annual fee credit cards, cash back credit cards, travel credit cards, and more, but this is just what has worked well for me personally. I like to get cards that give me a net positive value no matter what they cost, and some of my more expensive credit cards also come with credits and other benefits that easily offsets the cost that I pay.

Hopefully this credit card rankings video will give you all a bit more insight into what I find valuable, but again what works for me might not work for you!

CREDIT CARDS:

MY FAVORITE BANK ACCOUNT:

🏦 SoFi Checking & Savings: Get up to 4.30% APY, pay no account fees and earn $250

OTHER USEFUL LINKS:

CHECK OUT SOME OF MY OTHER VIDEOS:

CHAPTERS:
0:00 - Intro
0:14 - Card 16
1:56 - Card 15
3:07 - Card 14
4:23 - Card 13
6:18 - Card 12
7:25 - Card 11
8:04 - Cards 10 & 9
9:51 - Card 8
11:45 - Card 7
12:32 - Card 6
13:34 - Cards 5 & 4
14:50 - Card 3
15:41 - Card 2
16:36 - Card 1

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

Daniel Braun is not a financial advisor. This video is for entertainment and educational purposes only, it is not financial advice.

[Daniel_Braun]

Would you change anything about how I ranked my 16 credit cards?

(P.S. - If I get the Capital One Venture X next, then where should I rank that card here?)

[TheCreditFrog]

If your worst card is the WF Active Cash card, I'd say you're doing pretty good!!

[jessjv]

I just got into the credit card point game and you have been so helpful. I already had the chase unlimited but recently got the freedom flex and sapphire to complete the trifecta. So far im loving it. I also just got the citi custom cash yesterday, which i plan on using strictly for groceries. I feel like i lost so much time and money by not doing this earlier in life.

[sjg]

Thanks for sharing Dan. I admit that my mix is a bit more bland, but it works for me. I always enjoy hearing your thoughts though on your own cards.

[iTheRealAK]

Great video as always bro! Kudos on helping out so many people out there.

[bryanacevedo]

I really enjoy your videos, the've been helping me a lot!

[daianapardini]

Hi Dan, random question… if I am additional card holder with Amex, if I apply myself will I get approved? Will I get bonus offer? Do I need to wait 48 months?

[scottshapiro]

The American Express Gold is a really good card, but I don't think it's the card for me. I don't really use Uber or Uber eats, and don't eat at the restaurants included in the credits. So while I could use Uber and eat at those restaurants, I think it would just be extra spend I normally wouldn't do, so I'd come out on the losing side.

I prefer the SavorOne card, as that's 3% back on dining and groceries with no annual fee. That card makes the most sense for me. Especially since I do most of my grocery shopping at a wholesale club.

[axelgonzalez]

The best set up is :

1. Citi double cash (2X on everything)
2. Citi custom cash ( 5x on gas)
3. Capital one savor card ( 3x on dinning & groceries)

With my spend, I make 700$ a year in cash back no annual fee :)

[MannyCovington]

The AMEX Gold and Hilton Aspire are neck and neck for my #1 card. For perks, I'd go with the Aspire but for everyday use, the AMEX Gold for sure

[SethuSenthil]

YOOO! I never knew you were a penn state alumni! That’s dope! Class of 2025 here!

[aaronclarke]

Best card in my opinion is the capital one venture x

[JuanGarcia-hrwf]

Nice video Daniel. For me: 1. Amex Gold (Dining/Groceries) 2. Citi Custom Cash (Gas) 3. CSR ( Travel) 4. Hotel Card (Hilton Aspire or WOH) 5. Everything else either Freedom Unlimited or Amex Blue Business Plus

[BigTInTheMorning]

Capitalone venture X is hands down my favorite. I own that one and Amex platinum and the venture x with its earning potential and travel credit and the easier user experience of the travel portal make it my top

[Dachamp]

Just having 4 CC is a pain in the but lol😅 but having 16 oh boy that has to be a nightmare

[venkputta]

I got my gold amex card for 90, 000 points intro offer for 4000$ spent in the first 6 months! It was one of the best intro offers I've ever seen

[CHAOS_E]

1. CSP (Travel, streaming services)
2. Apple Card (everything else)
3. CFF (Dining)
4. Discover it Chrome (miscellaneous, first card so I’m keeping it open to increase history)
5. Amazon Visa (Amazon)
6. Walmart Capital One (Walmart lol)

[docsays]

Very interesting ranking. My top 5 would be:

1) Chase Sapphire Preferred
2) American Express Gold
3) Chase Freedom Flex
4) Paypal World Mastercard
5) American Express Green

[EthanPatrick_CreditCards]

That 5 free night Marriott Boundless bonus was pretty difficult to pass up for me as well haha. Might consider upgrading to the ritz Carlton card in the long run which has some top tier benefits!

[eliefeinstein]

What cards are you considering adding next? Thoughts on US Bank Cash Plus and Altitude Reserve?