3 Things You NEED to Know About Credit Card Points

Frequently asked questions about camera:

Camera Gear:

Useful stuff:
Promo automatically applied at checkout.
Promo automatically applied at checkout after you create an account.

Support our channel by shopping on Amazon!

-----------------------------

Follow us for updates:

[iberne]

You were supposed to say, "hey guys, it's Sebastian from ask sebby".

[chocmilk]

Why you got me doing quick math from the jump? lol

[richard]

Really great subject Sebby! I was thinking about this today when I started rethinking which cards I use on a regular basis. Normally, I just go for the highest multiplier. But I know that value (or quality) is what's important, not quantity. The problem, as you point out, is determining how much points are really worth. This can be difficult unless it's so imbalanced it's obvious or if your interests are very well defined.

[FiscalForward]

Very well done. This is great and valuable perspective 👍🏾

[johnoverton]

On a more serious side, I currently have 10 travel rewards cards, 5 for points generation, and 5 co-branded cards. I have had to sit back and focus on what our desire and priorities are with points that we accumulate coupled with any amazing travel specials that might also come along. So I keep points in the MR and URP banks until I know where I want to use them then transfer to make that next vacation happen for the best redemption rate possible and hopefully for the best overall experience we can have. Love your videos, really helped me get a leg up on this hobby. Now I have a dozen spreadsheets to track this entire hobby to assure I get positive value, know how many points per $ I am earning overall between MR and URP, and using a predictive analysis on where I will be next months, six months, and next year for future redemption planning. Love it. Positive value is just over $5K this year and it wasn't that difficult to pull off. Thanks Sebby.

[josephestepa]

I love hearing the analysis. You have a great teaching method. Keep up the content. I'm liking these Mandy edits!

[tiffanywalker]

I’m just now getting into rewards credit cards and came here for advice. This is a whole movement. I’ll have to go back and watch some old vids so I can get caught up. Thank you for being so down to earth with this info. Or better yet putting it in laymen’s terms. Ty

[ChrisS]

Just recently found your channel. You are very good at simplifying complex materials. Even so, I find the travel points game overwhelming and I’m wondering if I should just focus on cash back. Do you have a video that covers travel cards vs cash back cards and which is right for who.

[vlk]

Wow great, easy to understand explanations. I’m definitely going to check out your other videos 👍🏻👍🏻

[haitianJ]

Thanks Sebby. Much needed video for people like me. I'm a newbie to this lol.

[sylviamortgat]

Hi, Shebby and the fans: I binged for two full days AskShebby YouTube channel. Today in 2 minutes got approval for Chase Saphire Reserve Card. I think it is the best decision I derived and extracted from Shelby’s lessons. Thank you!

[michaelmutuc]

This is for sure in my top 3 most helpful credit card video I’ve watched in YouTube!

[jawtcharlli]

Understanding points much better after this video. Also, good bumping into you the other day! xD

[Roaryer]

What a great video! I've had this conversation 100 times and just cant make sense to people. I'll send this!

[rodrigosalas]

Great video! You sure add value to my life 🙊😁 keep up with the awesome content!

[PowerLives]

I like how you got straight to the point without any stupid long introduction, you got my subscribe please keep uploading videos!

[boriazone]

One the best channels right now. Hands down. 👍🏼 I wish they teach you this stuff in school.

[remyhorsdage]

It seems you want to take this channel to the next level. I'm down because the credit card industry is a always changing their account terms, but take it slowly so you won't frustrate new viewers/subscribers with your concepts. Great channel. Thanks, you saved and made me money.

[DanielIles]

Sebby going for the searchable, viral video content. Keep it up 👍👍

[AndroidisPreferred]

These types of videos helped me understand your channel, so thank you!!
Although, now that I feel like an AskSebby Expert, this video math is whack!!