63. The Best Credit Card Combo

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ON TODAY’S EPISODE:

0:00 OPENING
2:34 Our Next Meetup
5:02 The Best Three Card Combo
25:53 Points Path
27:10 When Buying Miles Makes Sense
29:00 Cancelling a Turkish Airlines Award Ticket
31:08 Air Canada Aeroplan Flexible Reward
33:50 ASK US: How to Book Seattle to Shanghai in Business Class

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[ChewsToExplore]

Love all of this exercise! Let me see if i can swing by for this meetup this time! Love the differences in opinions on the challenge. I think I’d go with Serena with this challenge. The venture x is skate my favorite as well

[CarlosHdz-rmsg]

My choices in order of importance/preference to me:
1) Amex Gold - Dining and groceries can’t be beat
2) Hilton Aspire - Hilton loyalist so this is a no brainer and credits are easily used
3) Chase Sapphire Reserve - 3X on travel plus $300 travel credit is very powerful (due for a refresh though)

$1, 425 total in annual fees…

Citi Strata Premier is an honorable mention as that card has a spot in my wallet…

Just booked Conrad Tokyo and also bought points with Hilton’s 100% match bonus. Staying (4) nights on points with the fifth night free…

Awesome episode

[tylerfree]

I like Nicole's combo the best. I like more of the amenities while traveling.

[wanderrhea]

Happy friYAY!!!
Yay 👏🏼 see you in December 🎉
So excited to meet Miguel and Nicole 🫶🏽

[bmwmgtr]

1. Chase Sapphire Reserve
2. Capital One Venture X
3. Citi Strata Premier

[monkeyfamilyadventures]

Wow, love the beginning few minutes with the breaking news. You guys are hilarious and SO CREATIVE!

Really enjoyed the 3 credit cards. I haven’t decided on my 3rd but my 1st and 2nd would be CSP and Cap Venture X Business version (hubby has the original one so still have restaurant priority pass access). Most likely my 3rd is the Amex Plat, also for the helicopter ride.

[ProfessorX-YouTube]

For my three cards, I would pick the following cards and for the reasons provided.

Amex Hilton Surpass mostly for $15k spending on grocery, gas, and online shopping (with purchase protections) to earn a free night award and ~90k points

Wells Fargo Bilt mostly for dining and cellphone bill (with cellphone protection and primary CDW)

Chase World of Hyatt mostly for $15k of non-category spending to earn a free night award at a Category 4 Hyatt after anniversary, a second free night award at a Category 4 Hyatt after $15k of spending, and 15k points from $15k spending for an entirety paid with points night at a Category 4 Hyatt

[Onso.]

I'm really loving this channel! The content you guys create is absolutely fantastic.🤩

[MalcolmJones-hzxt]

Mine was a mix of 3 of the 4 answers. Venture X, Citi Strata Premier and Chase Ink Preferred.

[alexledonio]

Laughing within the first 3 minutes of the show! 😂

[frankchi]

going all the way back to the episode with chews.. the hilton aspire is such a clutch card to have when taking into account all the useful credits and the automatic top tier status

[georgechan]

1. Capital One Venture X
2. Amex Hilton Aspire
3. Chase Ink Preferred

[YanLuo]

My personal choice would be 1. Citi premier for 3x food AND 2 years extended warranty 2. VX for Costco, phone service protection and lounge assess for whole family and 3. Bilt on rent, other travel and Hyatt

I helped my family booked a last minute flight from New York City to buffalo: cash price was 385/person in economy. Found availability on Alaska and there is only no economy but first was 9k + $18. Bought the points at 60% bonus and they ended up costing $25 than buying economy tickets. We thought we didn’t care about sitting in premium class as the flight is only an hr long and the passengers are short and skinny. But they ended up loving the upgrade: they woke up late (they have no GE and priority security check saved them an hr or so), and they get to run off early (crucial as the flight delayed and they need to run to a meeting within half an hr)

[tylerfree]

New subsriber here. Found you on Spotify. Great information. I currently have the venture X. Definitely a must have. Of course i don't like it talked about it so much because i don't want the lounges to be crowded like centurion lounges 😂😂

[jasonspain]

Great episode! I'm fairly new to the credit card game. Based on this conversation, I think I'm moving the Capital One Venture X up my list. I'm thinking my top three would align with Mitch's picks. Thanks crew!

[cjjunkee]

Mine would be:
Amex Platinum - $695 (Centurion Lounge and credits, i.e.; Uber, FHR, Airline, plus Hilton and Marriott status) - Basically FREE

Venture X - $395 (Capital One Lounges and 10k points) Basically FREE

U.S. Bank Altitude Reserve - $400 (PP Restaurants, $325 easy to use credit and 3x on mobile wallet) Basically $75

Total Annual Fee: $1, 490 minus the credit would be $75 or less depending on what credit benefits you.

Thank you guys, enjoyed another episode. See you next Friday!!!

P.S.
Another bad date for me on the meet-up, but will do everything in my power to make it (crossing fingers).

[michaels]

Great episode that has me thinking about what's in my wallet and evaluate where my spend categories actually are!

[Skye]

Thanks for another great episode. Instead of limiting to just three cards, I’m interested in which cards you deem to be valuable to keep year after year despite the annual fee. I know your card count is likely in the teens and 20s but I assume you rotate some out. So what are the absolute *keepers*? I’m sure it’s more than three 😉

[SlickRick-ez]

How long does the seats.aero promo last til?

Thanks. Great episode.

[kathyspencer]

Miguel, could you put a link to the video where you talk about prespending on the Hilton Aspire card for the Hilton Resort credit? Great info on the video!