My All-Time FAVORITE Credit Cards

These are my Top 5 All Time Favorite Credit Cards and why I got them - enjoy! Add me on Instagram: GPStephan - Click “Show More” to see ad disclosure

The YouTube Creator Academy:

My ENTIRE Camera and Recording Equipment:

First: The American Express Gold

I got this card because it’s known as what’s called a “Charge Card,” meaning it’s not a card that you’re meant to carry a balance on…Because of that, and because this is a “Charge card,” it technically doesn’t have a pre-set spending limit, meaning it won’t negatively impact your credit utilization when the credit bureaus calculate your credit score.

You can also get 40,000-50,000 points just for signing up - which, on Aeroplan, is worth about 2 round trip plane tickets in North America. In addition to that, there’s some other advantages that make the card a good deal…for instance, you’ll get $100 per year as an airline credit if you chose to check your bags or purchase in flight meals. You’ll also get purchase protection up to $10,000 per purchase…so if your item is lost, stolen, or damaged in the first few months, they’ll take care of it for you. They’ll also extend your warranty for up to 2 years on eligible products…so if you buy something and it breaks, chances are, American Express would cover it.

Second: The American Express Platinum.
When I signed up this card, I got 60,000 points. In addition to that, it gets you into one of my favorite places in the entire world: American Express Centurion Lounge. In addition to that, you’ll also get a $100 Hotel Credit on select hotels…discounts on other hotel services…a $200 airline credit towards the airline of your choice…and then you’ll get top of the line purchase and loss protection.

Now, yes…this card does come with a $550 per year annual fee. And to be eligible to even get the card, you’ll typically need a strong credit score, combined with a decent income…but provided you’ll actually USE these benefits, it could EASILY pay for the annual fee so many times over.

Third: The Chase Sapphire Reserve
Now they’ll give you 50,000 points for signing up when you spend $4000 in the first 3 months. And when you redeem those points through chase, they’re worth 50% more…meaning 50,000 points will give you $750 worth of value.

In addition to that, they’ll also give you a $300 annual travel credit. And best part of all, is that with this card, you get access to their Priority Pass Airport Lounge. However, there is an annual fee of $450 per year. BUT, between the $750 worth of the sign up bonus…the $300 airline credit…and the priority pass lounge access, not to mention a TON of other rewards for the card that are just too much to mention…the $450 just pays for itself very quickly.

Fourth: The JP Morgan Reserve Credit Card
Now not always, but USUALLY to get access to the JP Morgan Private Bank, and to get access to this credit card, you need $10 million in assets…hence, the $10 million dollar credit card. And even though, I admit, this card is almost identical to the Chase Sapphire Reserve in terms of benefits…it does have a few unique advantages, like complimentary United Lounge Access.

Fifth: Chase Ink Business Preferred
Typically you can find 80,000-100,000 point sign up offers. The GREAT thing with this card is that there’s only an annual fee of $95 per year…which, in my opinion, is a small price to pay for $1200+ worth of free travel.

Now as far as overall rewards go…it’s decent. Nothing spectacular, although you can get 3x points on spending on social media advertising and other business expenses…which is nice, but not as nice as some of the other cards I’ve mentioned.

[syndicated]

the fact that he puts dave ramsey on the platinum card. priceless lmao

[AaronZ]

Cards in this video:
1. American Express Gold Rewards (1:40)
2. American Express Platinum (3:35)
3. Chase Sapphire (8:18)
4. JP Morgan Reserve Card (10:51)
5. Chase Ink Business (Preferred) (12:50)

My goto cards:
1. Uber credit card (4% restaurant, 3% air & hotel)
2. Costco Citi VISA (4% in Costco with executive membership) (main household purchases)
3. Chase Freedom (rotating 5%), and Freedom Unlimited (1.5% everything)
4. Best Buy (electronics 5%)
5. Amazon Prime Card (Amazon shopping)
6. American Express Blue Cash Everyday (sometimes nice offers)

None of my goto cards have annual fee, except Costco and Amazon Prime membership fee. I discontinued Amazon Prime since I don't shop online often anymore.

[WealthbuilderzTV]

You are the definition of the rich get richer. You make a lot of money but you use credit to get free ish and I love it.

[nigelfhs]

I am so glad I got my new American Express Gold card in the mail!!! I worked so hard to get back on track for years since I purchased a home in 2016. I am so glad for your videos for achieving success in our current economy.

[MrDrew]

I'm working toward that JP Morgan card, I only need about $9, 999, 999.99 more in assets.

[RageElixir]

this is actually genius, your videos are a life saver

[Misokrayz]

Your the man! I watch your videos all the time and believe that you are an amazing source of information that doesn’t give you a taste then try to force you to pay for the real info. You really are a great guy! My lady and I will be modeling our first purchase of a rental property based on information you provided. We are very excited!

[pamelanguyen]

Thank you Grahm, I love all your credit card videos very informative! I appreciate your time doing all the research and reading fine prints. You are my credit guru. I'm your loyal subscriber!

[AmezAdvisors]

Dave Ramsey on the platinum card is hilarious 🤣🤣🤣 you got my like :)

[greg]

I really like the BofA Cash Rewards card you featured previously. Standard cash return stuff like 3% categories where you get to choose one each month (gas station [including inside the C-store], travel [hotel, flight, taxis, airport parking], dining, home improvement, others), 2% always for grocery stores (I like it because that's where I spend the most), and 1% on everything else. $200 sign on bonus with $1, 000 spent in the first three months was easy and worth it too. No annual fee and nothing shady, I've had it for three months now and everything seems kosher. I actually really like the Fico score feature they offer too, which allows me to keep tabs on my credit and see how it fluctuates based on my utilization rates. Yeah, I've been paying that sucker off early before the balance posts to keep my utilization rate low and it's worked wonders!

I acknowledge that points and benefits can add up, but it seems too stressful for me to make sure I'm not in the red on any of these due to the annual fee. But I'll take cash rewards all day everyday with no annual fee. That's why I really like the Cash Rewards card I mentioned. Cash is king.

[richgenix]

i like the dave ramsey name on the card! HAHAHAHAHAHAH but that guy never wants people to get credit cards!

[justinbush]

The American Express and Chase Sapphire waves the annual service fee for active military members (Or reservist on military orders if you are on orders at the time that you sign up for the card.) So if you are in the military they basically pay you to sign up. I got the Chase Sapphire a few months ago and am seriously considering applying for the AMEX card as well. This will save my family a TON of money for holiday travel every year

[AltruisticApe]

I smash the like button with a claw hammer and charge new phones to my NAMBLA membership card and spend my points at chuck e cheese. Graham taught me well

[AverageJoeInvestor]

*GREAT VIDEO GRAHAM!* *Throwing Shade @ Dave Ramsey* I am pretty new to the credit card points game and what I’ve realized is that it definitely depends a bit on where you organically spend money. Some credit cards are best for travel/dining and others are best for groceries, gas, etc. MY FAVORITE = Chase Sapphire Preferred! *MUST HAVE A BUDGET AND THE BUDGET MUST ALWAYS WIN* Great video Graham! 😎👍🏻

[donjohnstonjr]

I love Dave Ramsey and I love how you are trolling him

[NafeesMosharrof]

This is like watching American Express ad .... Haha

[NuCents]

I run a Airbnb business and building business credit was tough. The credit card I used to start was a “Cheveron Gas” credit card. Built my credit super fast.

[imholdenonarope]

For a man that doesn't spend any money, Graham sure does have a lot of ways to not do that.

[CaesarAugustus.]

Ok, you definitely get a like for that Dave Ramsey cameo 🤣

[minanagib]

the credit card from Amex had Dave Ramsey on it lol