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Speaker 1: Welcome to How the Money. I'm Joel and I'm Matt,

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Speaker 1: and today we're talking about lesser known credit card benefits.

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Speaker 1: I mean, we're going to be getting to that here

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Speaker 1: in a second, but I wanted to ask you a question.

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Speaker 1: How has the Great Scale phone and actually been going

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Speaker 1: on since uh, last week? I feel like it's been solid.

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Speaker 1: I had to turn it off every once in a

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Speaker 1: while for like a video I want to watch or

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Speaker 1: something like that. It just feels depressing to watch it

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Speaker 1: in black and white, like, But for the most part, man,

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Speaker 1: it's been it's been great. I enjoy it. Do you

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Speaker 1: feel like it's actually decreased the amount of time you're

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Speaker 1: spending on the different apps and looking at your pretty

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Speaker 1: pictures that you take with your phone? Yeah? I think so.

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Speaker 1: I think it. It makes especially it makes Facebook and

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Speaker 1: Instagram less interesting to me, just I don't know, they're

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Speaker 1: in black and white, and so they're much less appealing,

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Speaker 1: and so I I do find myself using those at

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Speaker 1: much fewer colors, which can be time sucks. I find

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Speaker 1: myself using them more and I don't know, I really

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Speaker 1: like that. I really like using them less because that's

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Speaker 1: kind of been a goal of mine anyway, right, I

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Speaker 1: don't want to be on social media as much, and

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Speaker 1: so the black and white makes them less appealing and

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Speaker 1: I just kind of put my phone down. Nice man. Yeah,

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Speaker 1: if you listeners haven't heard the last episode, we talked

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Speaker 1: about Joel switching his phone over to like gray scale mode.

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Speaker 1: Basically I got rid of all the colors, and I

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Speaker 1: was hoping that that would decrease the amount of time

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Speaker 1: he spent on his phone. Because after that, man, this

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Speaker 1: past week, I was thinking through and I thought, I

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Speaker 1: wonder how much time I'm actually spending on my phone.

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Speaker 1: I'm not willing at this point to switch to black

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Speaker 1: and white and take it old school, you know. But

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Speaker 1: I had heard something about a way to figure this out.

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Speaker 1: And if you have an iPhone specifically, there's different apps

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Speaker 1: out there, but there's it's actually built into the settings

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Speaker 1: of the phone as well. So I know on the iPhone,

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Speaker 1: you can go into settings and specifically go to battery

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Speaker 1: and then there's a clock icon, and so the battery

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Speaker 1: it'll tell you the percentage of battery that your phone

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Speaker 1: is spending on specific apps. But if you click the

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Speaker 1: clock icon, it switches it and it also tells you

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Speaker 1: how much time you spent on specific apps in the

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Speaker 1: past twenty four hours and in the past week, like

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Speaker 1: the past seven days. And I will say I was

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Speaker 1: I did it today because I will think about it

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Speaker 1: earlier this week, but I kept forgetting to check. Let

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Speaker 1: me make a guess. Alright, Number one app you used

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Speaker 1: candy Crush. Dude, I play zero games on my phone too.

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Speaker 1: I'm so proud to say I can't do games on

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Speaker 1: my phone. If I did that, it would be the

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Speaker 1: slippery slope into like me being a completely worthless human being. Yeah,

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Speaker 1: basically falling back into single life, because I think my

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Speaker 1: wife would divorce me. Like I'd be like eating pizza

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Speaker 1: and I put the box like on my stomach. That's

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Speaker 1: just like huge or something while I'm playing candy Crush.

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Speaker 1: That's what would happened to me. But no, seriously, and

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Speaker 1: so I checked it today and I was the press

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Speaker 1: to find out that I've spent about seventy five minutes

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Speaker 1: on social media in the past twenty four hours, sang dude. Yeah,

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Speaker 1: and that was that. You're kind of a wake up call.

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Speaker 1: I think for me, that's probably not uncommon, though I

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Speaker 1: bet if I looked, I bet it would be somewhere

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Speaker 1: close to that, I mean, which is just terrible thing,

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Speaker 1: about seventy five minutes. And I didn't look specifically at

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Speaker 1: what it was for the past week, but I mean,

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Speaker 1: if you take that though, any average it out, that's

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Speaker 1: about an hour a day, you're looking at almost a

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Speaker 1: full work day, right, like seven hours over seven hours

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Speaker 1: that you're spending. And granted, it doesn't tell you exactly

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Speaker 1: what you spent doing those apps, right, And so a

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Speaker 1: lot of times when I spend on Twitter, I'll click

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Speaker 1: over to an article and I'll read an article, and

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Speaker 1: I think that counts that as Twitter time or whatever,

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Speaker 1: but still it doesn't matter. Like that's just so much time,

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Speaker 1: and I want to I haven't talked to kid about this,

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Speaker 1: but I want to sort of set up some accountability,

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Speaker 1: I think, and like at the end of every day,

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Speaker 1: like show it to her, just be like, okay, it's

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Speaker 1: like a confession exactly, because that's so much time. And

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Speaker 1: I complain that I don't have enough time during the

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Speaker 1: day to do the different things I want to do

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Speaker 1: that I know that are important that I need to

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Speaker 1: spend doing. And if I pull that up and it's

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Speaker 1: showing that I'm spending still over an hour every day

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Speaker 1: say on social media. Well, I don't have excuses, you know,

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Speaker 1: it's up it's up to me. I will say. One

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Speaker 1: thing that I've has made my social media experience better

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Speaker 1: overall has been getting an awesome profile pick yeah, people

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Speaker 1: like oh you look so good exactly right, like fabio style,

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Speaker 1: pick um with my hair blown in the wind. Uh.

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Speaker 1: I think it's been joining groups and now Facebook has

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Speaker 1: largely prioritized groups like our group. For Facebook group, it's

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Speaker 1: been really fun, Like I see more posts of people

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Speaker 1: commenting on episodes or asking questions or you know the

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Speaker 1: other you know, groups that I'm interested in, and I

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Speaker 1: care about the content there. It's it's more interacting with

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Speaker 1: people with questions or comments as opposed to random news

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Speaker 1: feed crap. Yeah, just last events and things like that.

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Speaker 1: But even still, yeah, Facebook is meant to keep you scrolling,

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Speaker 1: and it's it's hard to stop, right, it becomes addicting.

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Speaker 1: And so yeah, if for any I would say gray

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Speaker 1: scale can help for a lot of people out there,

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Speaker 1: I would say consider it. Oh and by the way,

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Speaker 1: uh speaking of social media animially, I listened to an

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Speaker 1: older podcast from uh us. No, I don't know, I

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Speaker 1: don't go back and listen to us that office. That's

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Speaker 1: kind of dog that's depressing. Now there's this podcast called

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Speaker 1: The Liturgists. It's an interesting podcast that blends like faith

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Speaker 1: and in rational thinking and just kind of just kind

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Speaker 1: of an interesting group of minds getting together to discuss

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Speaker 1: issues that kind of matter interesting. And they they did

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Speaker 1: an episode on social media last summer, and I literally

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Speaker 1: went back and listened to it this week, not knowing

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Speaker 1: we were going to have this conversation, and it was, Man,

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Speaker 1: it was fascinating. I mean it was It was a

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Speaker 1: gut wrencher. It was like sad and it was beautiful

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Speaker 1: and it was thoughtful. And so I would tell anybody

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Speaker 1: I like that podcast and the people on it anyway,

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Speaker 1: check that out, but particularly go back and listen to

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Speaker 1: the episode they did on social media. It'll just give

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Speaker 1: you some thoughts about, you know, why people use it,

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Speaker 1: what good ways to use it are, and then just

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Speaker 1: I don't know, maybe kind of make you rethink about

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Speaker 1: why you're honored in the first place. Definitely, when you

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Speaker 1: said the Liturgist, I was like, okay, hipster band name

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Speaker 1: or deep thinkers, you know, what's it gonna be? They

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Speaker 1: might have a little hipster to them, I don't know,

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Speaker 1: but they're super deep thinkers. Really. There's one guy on

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Speaker 1: there named science Mike, and I just like really dig

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Speaker 1: the way Science Mike. He thinks about things and and

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Speaker 1: um and so so I would recommend anybody I like

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Speaker 1: it interested in kind of the thought behind the thought

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Speaker 1: of why they use social media. It's yeah, it's a

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Speaker 1: good good thing to tell into. That's always good stuff

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Speaker 1: to consider. And you know, at the very least, if

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Speaker 1: you don't have the time to maybe listen to another show.

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Speaker 1: If you have an iPhone, yeah, check out those battery settings.

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Speaker 1: And yeah, hopefully it'll be a wake up call at

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Speaker 1: the very least for folks. And I think for anybody

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Speaker 1: who's listening to this podcast, they want to get their

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Speaker 1: money game together, right. They want to kind of get

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Speaker 1: their money stuff straight, and they're interested in some of

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Speaker 1: the stuff that we've been talking about, like you know,

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Speaker 1: figuring out their why behind money, the potential of pursuing

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Speaker 1: financial independence and and uh, cutting their grocery bill like

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Speaker 1: right there. And they're into these kind of life acts

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Speaker 1: in the ways to to change their to change their

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Speaker 1: lives in a positive way and and money is like

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Speaker 1: a huge part of that, right, Like, so getting your

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Speaker 1: money game straight is going to help you in so

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Speaker 1: many facets of life. And I think getting your social

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Speaker 1: media usage straight and with like you said, that's just man,

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Speaker 1: that's blatant seven hours a week, right, if we're doing

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Speaker 1: it that much, and if we're on top watching Netflix

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Speaker 1: the same amount, right, that's you know, fifteen hours a

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Speaker 1: week that we could be using differently, that we could

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Speaker 1: be dedicating a learning a new craft or actually taking

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Speaker 1: action on something that we've wanted to that we said

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Speaker 1: we didn't have the time to do. And so at

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Speaker 1: least thinking about it, posing these questions to yourself and deciding, hey,

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Speaker 1: am I on my phone too much? And and then

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Speaker 1: kind of making a change. But the first step is

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Speaker 1: a little bit of awareness, right, a little realization boom,

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Speaker 1: And you just had that and I had that, And

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Speaker 1: so we're making a little bit of a change. So

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Speaker 1: our wives can expect to see some some big changes

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Speaker 1: in our lives. And like, oh, you've done the dishes

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Speaker 1: and clean the house and taking the kids in school

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Speaker 1: and the groceries that honey do list. It's getting shorter

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Speaker 1: actually now, right, I'm just saying we don't have excuse now, Yeah,

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Speaker 1: it's true. I gotta gotta crush it all right, let's

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Speaker 1: jump into the beer today, Matt. This is when you

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Speaker 1: perched just recently, when you went to the brewery, and

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Speaker 1: it's called Red Brick thunder Thief and it's a double

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Speaker 1: I p A. Yeah. So it's Red Brick Brewing, which

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Speaker 1: is a an Atlanta brewery here, but as of recently

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Speaker 1: they are actually called Atlanta Brewing Company, which is their

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Speaker 1: original name. And so they kind of bounced back and

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Speaker 1: forth there, and I think they kind of are realizing that,

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Speaker 1: I don't know, we need to Atlanta in our name.

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Speaker 1: It's you can't go wrong. So let's tell people more

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Speaker 1: about that name change. As I pour this beer. I

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Speaker 1: thought it was interesting, Matt that it started off as

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Speaker 1: Atlanta Brewing Company, they changed to Red Brick at one point,

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Speaker 1: and then ultimately after a bunch of different brewmasters and

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Speaker 1: just kind of some troubles with quality, they finally got

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Speaker 1: this amazing brew master, but they were still stuck with

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Speaker 1: the name Red Brick, and I think people had just

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Speaker 1: kind of come to associate Red Brick with something that

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Speaker 1: meant subbar beer. Basically, Yeah, not high quality beers, and

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Speaker 1: so they said, he, well, how in the world are

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Speaker 1: we gonna are we gonna get you know, get out

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Speaker 1: from under this. And I think it really just made

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Speaker 1: a lot of sense to change back to their original name,

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Speaker 1: Atlanta Brewing Company. And and I think, you know, their

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Speaker 1: their quality has gone up. And for people like you

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Speaker 1: and I'm Att, who are kind of hooked into the scene,

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Speaker 1: you know, we know that Red Brick beers have been

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Speaker 1: getting better because we've heard about the new brew master.

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Speaker 1: Like we we've tasted some of the beers, and they

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Speaker 1: really are and they've gotten a lot better. And so

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Speaker 1: it's really cool that that, you know, I think you

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Speaker 1: went in there like literally a day or two before

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Speaker 1: they announced the name change. So this is probably one

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Speaker 1: of the last cans that's gonna say red Brick on

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Speaker 1: it um and they're all from now on, they've got

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Speaker 1: these new, cool designs. And actually this one is kind

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Speaker 1: of that part of new design iteration. It's a cool

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Speaker 1: can design. But from now on Atlanta Brewing Company, they've

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Speaker 1: got a cool space. Their beers have gotten a lot better. Yeah,

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Speaker 1: and I just kind of love that they're branding that's

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Speaker 1: like kind of fresh pop that they're gonna get by

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Speaker 1: changing their name back, will hopefully reach some new consumers,

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Speaker 1: uh and and let them know about kind of what

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Speaker 1: they've been up to over there, because their beer has

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Speaker 1: gotten pretty tasty. Yes. So, thunder Thief is a double

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Speaker 1: I p A from the formerly known as Red Brick

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Speaker 1: Brewing Company, now known as Atlanta Brewing Company. And when

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Speaker 1: I pop the can, Matt, and I feel like the

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Speaker 1: hops really hit me in the nose. Yeah, man, to me,

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Speaker 1: this double I p A has sort of almost like

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Speaker 1: melon flavors going on. It's got like this juicy, not

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Speaker 1: overly sweet, but sort of this sort of melon kind

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Speaker 1: of flavor profile going on. And yeah, it's good. It

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Speaker 1: kind of reminds me as well as like a West

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Speaker 1: Coast I PA. So it kind of has a slightly

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Speaker 1: more bitter finish, which Kate loves very much. I like

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Speaker 1: them too, Yeah, I just not as much as she does.

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Speaker 1: I feel like it's got like melon and pine. I

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Speaker 1: really kind of like the way they blend in this one.

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Speaker 1: And it's just good to see Red Brick finally. Like literally,

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Speaker 1: I didn't drink anything Red Brick made for years until

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Speaker 1: the last you know, four or five six months when

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Speaker 1: they got a new brewmaster and they started turning out

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Speaker 1: some really good beers, and so it's just good to

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Speaker 1: have their beer and enjoyed again. We had that. I

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Speaker 1: had never even been to their space up until last week,

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Speaker 1: and so Kate and I went there specifically because we

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Speaker 1: had heard about things getting better. And one of the

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Speaker 1: things I love too that's happening in the Georgia beer

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Speaker 1: scene is the change that we're seeing in breweries and

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Speaker 1: how the becoming a space for community. Specifically, we were

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Speaker 1: there and there was a running club that had run earlier.

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Speaker 1: I guess they just like run around and they come

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Speaker 1: back and drink beer. But what's awesome about that is

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Speaker 1: people are just they're hanging out, you know. It's sort

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Speaker 1: of like that third space and not even everyone is drinking,

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Speaker 1: you know. That's what's cool about it, versus say going

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Speaker 1: to a bar, Like you go to a bar first

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Speaker 1: of all, like a bar has like a connotation of

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Speaker 1: like I don't heavier drinking or something in my mind

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Speaker 1: at least, but a brewery it's just a fun kind

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Speaker 1: of space and there's folks there that are hanging out

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Speaker 1: that just like to run and they don't feel pressured

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Speaker 1: necessarily to order. It's not like you're sitting down at

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Speaker 1: a table right at a bar and it's just like,

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Speaker 1: all right, what do you want. It's like, well, I

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Speaker 1: don't want anything. It's like why are you here? You know,

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Speaker 1: versus breweries that are becoming more involved in the community.

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Speaker 1: Folks are hosting fundraisers at breweries as well. They're someplace

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Speaker 1: that you can take your kids. And I love that.

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Speaker 1: It's it's such a better model than what we had

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Speaker 1: going on before, and I think it's great. Yeah. Yeah,

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Speaker 1: I feel like a brewery now there's places to picnic,

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Speaker 1: bring your kids, bring your dog, But when you're talking

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Speaker 1: about a bar, like not usually right, So, yeah, breweries

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Speaker 1: do have like a lot of cool options for people,

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Speaker 1: and I think it's really fun to go every once

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Speaker 1: in a while, I take my kids to a brewery

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Speaker 1: and run around while Daddy has a beer. Exactly. All right, Matt,

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Speaker 1: let's tackle the subject at hand today. Lesser known credit

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Speaker 1: card benefits and back in episode fourteen, we discussed using

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Speaker 1: credit cards like a pro, and we kind of gave

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Speaker 1: a general outline kind of how people should use credit cards,

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Speaker 1: and we mentioned right that they are a double edged sword.

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Speaker 1: And so credit cards have a lot of benefits for

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Speaker 1: people that use them wisely, and they can be a

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Speaker 1: huge detriment. They can be a millstone around your neck

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Speaker 1: if you use credit cards poorly. And so we want

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Speaker 1: to make sure again disclaimer kind of right up front.

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Speaker 1: If you don't pay off your credit card bills in

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Speaker 1: full every month, this information it's good to know for

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Speaker 1: the future, right for when you do pay your credit

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Speaker 1: card bills in full every month, but right now that

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Speaker 1: needs to be your main focus. Having revolving credit card debt,

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Speaker 1: you know, you pay a lot of interest every month

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Speaker 1: to the credit card companies. There's that revolving credit card debt. Yeah. Man,

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Speaker 1: there's essentially zero benefit that comes from having a credit

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Speaker 1: card if you are paying interest. I mean I would say,

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Speaker 1: I would venture to say any interest at all. Uh,

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Speaker 1: the benefits get outweighed at that point immediately. Yeah. But uh.

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Speaker 1: But so there's these lesser known credit card benefits because

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Speaker 1: we talked about some of the major ones in that episode,

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Speaker 1: you know, the cash back rewards and some of the

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Speaker 1: major travel rewards that are offered. You know, the kind

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Speaker 1: of things that you see, you know, touted on a

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Speaker 1: commercial or an ad on the internet. But there are

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Speaker 1: all these other smaller, lesser known rewards that people rarely

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Speaker 1: talk about. And so you probably already know you know

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Speaker 1: about the cash back or travel miles, and that some

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Speaker 1: offer big time sign up bonuses. Those are great, but

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Speaker 1: there are all these lesser known credit card benefits that

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Speaker 1: you really should be taking advantage of, and so we

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Speaker 1: wanted to kind of run through some of those, some

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Speaker 1: of the highlights, some of the better benefits that you

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Speaker 1: might be missing out on even though you're using that

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Speaker 1: card already. That's right, man. So the first one we're

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Speaker 1: gonna talk about is doubling the manufacturer's warranty, and this

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Speaker 1: is one that almost all credit cards offer. Pretty much,

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Speaker 1: anything that you purchase that has like a user's manual

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Speaker 1: probably has like a manufacturer's warranty. Right, something that is

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Speaker 1: a bigger purchase, it's going to be something that the

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Speaker 1: manufacturer is going to back. And it just depends on

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Speaker 1: the product. But a lot of times with a lot

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Speaker 1: of electronics, like I'm thinking of iPhones, we're just talking

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Speaker 1: about that earlier, but you're looking at one year, and

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Speaker 1: so if you're able to put that purchase on a

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Speaker 1: credit card, and pay it off. Like we said right away,

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Speaker 1: that's something that you can have extended by a year,

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Speaker 1: and there's some credit cards that will even extend that

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Speaker 1: by two years, which is a really sweet perk. Yeah,

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Speaker 1: so that is really cool because if you're at the

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Speaker 1: electronics store and someone is trying to sell you an

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Speaker 1: extended warranty on a product that you're buying, Let's say

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Speaker 1: you're buying a new camera and they say, you know what,

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Speaker 1: you really should get this extended warranty. It's only a

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Speaker 1: hundred and nine dollars, and you know what you're gonna

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Speaker 1: You're gonna be glad. It's gonna save your bacon in

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Speaker 1: case you drop this camera. See that bacon, save your

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Speaker 1: own bacon, because you you can purchase with that credit

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Speaker 1: card that you have that offers this benefit extending the

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Speaker 1: warranty that the manufacturer offers, and your credit card is

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Speaker 1: essentially covering you for free and you're not paying extra

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Speaker 1: and you're avoiding those extra fees that an extended warranty costs. Dude,

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Speaker 1: you know who's the really good at pressuring you to

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Speaker 1: try to add that is best buy? Have you been

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Speaker 1: there recently and purchased any sort of electronics. No, man,

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Speaker 1: I feel like I never go into stores to behind anything. Yeah,

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Speaker 1: it's seriously, what's it's been forever since I have been

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Speaker 1: in there. But I swear every time I go in there,

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Speaker 1: even if if it's for like a cable or something,

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Speaker 1: they're trying to like add on an additional warranty or

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Speaker 1: service program or something like that, and I's like, no, man,

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Speaker 1: this isn't gonna break. It's just a cable, like it's

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Speaker 1: it's a monster cable. Like it's good to go. If

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Speaker 1: you look at the numbers, man, those those big time

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Speaker 1: electronic stores, their bread and butter. Almost all of their

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Speaker 1: actual revenue comes from warranties because they can't make very

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Speaker 1: much money. There's so much competition in that sphere right

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Speaker 1: between Amazon and Walmart Best Buy, the price competitions really strong.

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Speaker 1: So they make all their money by selling warranties. So you,

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Speaker 1: as a consumer need to know that. You need to

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Speaker 1: be aware and be prepared to walk away. And it's

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Speaker 1: much easier to walk away from that when you know

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Speaker 1: you've got something in your back pocket, like one of

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Speaker 1: these credit card rewards. All right, man. Then the next

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Speaker 1: one we would discuss is purchase protection, and so this

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Speaker 1: is against things like damage to an item or theft

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Speaker 1: and even the press going down, which is something man,

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Speaker 1: that I didn't even realize that credit card companies did.

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Speaker 1: This isn't something that I've ever sort of exercised. It's

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Speaker 1: not a benefit that I've taken advantage of. But man,

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Speaker 1: how awesome is it that that's out there? Have you

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Speaker 1: taken advantage of that? You know? I've never taken advantage

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Speaker 1: of that one. In particular, I've taken advantage of a

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Speaker 1: couple further down then we're gonna get to. But but

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Speaker 1: I love that that's there, right. I feel like I

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Speaker 1: am really good at finding a good price on something,

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Speaker 1: but it's really nice to know that if I did

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Speaker 1: find it most of these credit card companies, say within

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Speaker 1: the next ninety days at a lower price, then I

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Speaker 1: can just contact them, as opposed to have been to

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Speaker 1: go through the whole rigamar role with the company I

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Speaker 1: purchased it from. Yeah, I go straight to my credit

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Speaker 1: card company and they credit me the difference. Yeah, or

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Speaker 1: even sort of like the around the holiday season, right,

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Speaker 1: like there's a lot of shopping that goes on to

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Speaker 1: folks are cutting prices left and right, to know that,

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Speaker 1: Oh am I getting the best deal? Should I wait

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Speaker 1: for the next Cyber Monday? Is it gonna go on

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Speaker 1: sale in I don't know. Well, you don't have to

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Speaker 1: worry about it quite as much if you just are

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Speaker 1: able to take advantage of this extra sort of perk.

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Speaker 1: And I did see though that there are some limits,

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Speaker 1: and it depends on your credit card, as all these

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Speaker 1: benefits do. We'll kind of talk about this later on,

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Speaker 1: but you know, there's ranges between two hundred and five

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Speaker 1: bucks that the credit card company is willing to put

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Speaker 1: towards that theft or the price drop. And like you said,

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Speaker 1: you said about ninety days, and that's what I saw

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Speaker 1: as well. There's anywhere between sixty two twenty days that

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Speaker 1: you need to sort of exercise that benefit um in

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Speaker 1: order to take advantage of that. Yeah, that perk. Yeah,

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Speaker 1: they're not going to give you right money back. Let's

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Speaker 1: say you bought a TV ten years ago and it's

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Speaker 1: cheaper today, and they're not gonna say, oh, that's cool,

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Speaker 1: we'll credit you now. It needs to be kind of

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Speaker 1: within that sixty two twenty day period, depending on the

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Speaker 1: credit card that you use. And that's one other important

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Speaker 1: thing that we really do need to call out is

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Speaker 1: that you need to look at your own credit card,

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Speaker 1: look at those the fine print, because that's where all

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Speaker 1: these lesser known credit card benefits lie there in that

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Speaker 1: kind of fine print or in there in that pamphlet

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Speaker 1: that you get, and people don't usually look past page one,

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Speaker 1: but they exist in there and you can read all

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Speaker 1: about them, and it's actually it benefits you to to

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Speaker 1: familiarize yourself with those lesser known benefits that you have

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Speaker 1: offered to you via the different credit cards that you

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Speaker 1: have in your wallet. But you're gonna want to make

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Speaker 1: sure that you know the fine print. You know whether

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Speaker 1: it's sixty days or days, you know that max benefit

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Speaker 1: per year, and you know whether your credit card offers

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Speaker 1: it or not. Yeah. So for examples, UH City is

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Speaker 1: scaling back their program as far as the purchase protection

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Speaker 1: and then Chase, from what I understand and what I read,

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Speaker 1: is eliminating it altogether, which is which kind of sucks.

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Speaker 1: There are certain benefits that still exist, certainly that and

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Speaker 1: we're gonna continue to talk about those, and so read

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Speaker 1: the fine print because this is something that's kind of

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Speaker 1: constantly changing, and we don't want you to count on

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Speaker 1: something that's not necessarily there. Yeah, so we're not gonna

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Speaker 1: mention necessarily specific cards for everything, although there are a

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Speaker 1: couple that we are going to call out in a

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Speaker 1: little bit but discover too. They just announced that they're

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Speaker 1: getting rid of a bunch of card member benefits and

429
00:18:55,680 --> 00:18:59,560
Speaker 1: the reason they cited was due to prolonged low usage.

430
00:18:59,680 --> 00:19:02,840
Speaker 1: So people just don't take advantage of these, although I'm

431
00:19:02,840 --> 00:19:05,400
Speaker 1: pretty sure that's not exactly why they Yeah, exactly, if

432
00:19:05,440 --> 00:19:08,800
Speaker 1: there's prolonged low usage, that means it's not costing them anything,

433
00:19:08,880 --> 00:19:11,520
Speaker 1: which means why not keep that around? Right? Yes, so

434
00:19:11,600 --> 00:19:13,480
Speaker 1: I'm sure that wasn't the case. I'm sure that's not

435
00:19:13,520 --> 00:19:15,840
Speaker 1: the case either. But it turns out they're eliminating a

436
00:19:15,840 --> 00:19:18,760
Speaker 1: lot of these benefits. And so as some of these

437
00:19:18,800 --> 00:19:22,000
Speaker 1: credit card issuers are taking away some of these lesser

438
00:19:22,000 --> 00:19:24,720
Speaker 1: known credit card benefits from you, it's good to know

439
00:19:24,800 --> 00:19:27,000
Speaker 1: kind of what's out there and shop your credit cards,

440
00:19:27,080 --> 00:19:30,000
Speaker 1: not just for that two percent cash back rate, but

441
00:19:30,560 --> 00:19:33,320
Speaker 1: shopping for a credit card based on those lesser known

442
00:19:33,359 --> 00:19:36,160
Speaker 1: credit card benefits that are available to you from maybe

443
00:19:36,160 --> 00:19:39,520
Speaker 1: one credit card issuer versus another who's decided to eliminate

444
00:19:39,520 --> 00:19:42,159
Speaker 1: some of those programs altogether. So if you're into traveling,

445
00:19:42,160 --> 00:19:44,040
Speaker 1: we're gonna talk about a lot of the different travel

446
00:19:44,040 --> 00:19:55,280
Speaker 1: benefits next, but first let's go to the break. All right, Matt,

447
00:19:55,280 --> 00:19:57,000
Speaker 1: we're back, and let's get into some of those travel

448
00:19:57,040 --> 00:20:00,119
Speaker 1: benefits that we mentioned before the break. The first one

449
00:20:00,280 --> 00:20:02,720
Speaker 1: no foreign transaction fees. So I just had a friend

450
00:20:02,800 --> 00:20:06,040
Speaker 1: who recently went overseas, used the wrong credit card and

451
00:20:06,119 --> 00:20:08,720
Speaker 1: ended up spending like a hundred and thirty extra dollars

452
00:20:08,760 --> 00:20:10,840
Speaker 1: that he didn't need to because he essentially was using

453
00:20:10,880 --> 00:20:14,480
Speaker 1: a primary card that had foreign currency transaction fees associated

454
00:20:14,520 --> 00:20:18,440
Speaker 1: with it. Yeah, I know this friend as well, right now,

455
00:20:18,520 --> 00:20:20,280
Speaker 1: he's my friend as well. And granted that's not a

456
00:20:20,280 --> 00:20:22,120
Speaker 1: ton of money, right you think you know one thirty

457
00:20:22,160 --> 00:20:24,480
Speaker 1: or whatever, But still, I mean, come on, like, why

458
00:20:24,520 --> 00:20:26,479
Speaker 1: do that when that's something that you don't have to do,

459
00:20:26,560 --> 00:20:29,159
Speaker 1: when it's something that you can avoid and avoid lining

460
00:20:29,200 --> 00:20:31,760
Speaker 1: the pockets of the big banks. So pretty much every

461
00:20:31,760 --> 00:20:35,280
Speaker 1: Capital one card out there has zero percent foreign currency

462
00:20:35,320 --> 00:20:37,760
Speaker 1: transaction fees. So I always keep it a Capital one card.

463
00:20:38,359 --> 00:20:39,800
Speaker 1: It's your travel card, right and they say what's in

464
00:20:39,800 --> 00:20:42,680
Speaker 1: your wallet? You got it? There's there's a good reason

465
00:20:42,760 --> 00:20:45,920
Speaker 1: for exactly. And another card that I think people should

466
00:20:45,960 --> 00:20:49,040
Speaker 1: know about that has no foreign currency transaction fees and

467
00:20:49,080 --> 00:20:51,119
Speaker 1: it's kind of become a trend. And by the way,

468
00:20:51,160 --> 00:20:54,040
Speaker 1: if you don't know what foreign currency transaction fee is

469
00:20:54,119 --> 00:20:56,400
Speaker 1: for the credit cards in your wallet, you can call

470
00:20:56,560 --> 00:20:58,600
Speaker 1: your credit card company and they, by law, I have

471
00:20:58,680 --> 00:21:01,600
Speaker 1: to tell you what those fees are, so you can

472
00:21:01,600 --> 00:21:05,479
Speaker 1: know pretty quickly. But also the Chase Sapphire cards are awesome.

473
00:21:05,520 --> 00:21:08,800
Speaker 1: They offer some of the best travel benefits to people

474
00:21:08,800 --> 00:21:10,520
Speaker 1: out there, and we'll kind of get into even more

475
00:21:10,520 --> 00:21:12,080
Speaker 1: of those as we kind of go down through some

476
00:21:12,119 --> 00:21:15,320
Speaker 1: of these specific benefits. But the Chase Sapphire cards offer

477
00:21:15,359 --> 00:21:18,679
Speaker 1: also that amazing benefit of no foreign transaction fees. So

478
00:21:18,800 --> 00:21:22,000
Speaker 1: just don't get caught overseas with a card or with

479
00:21:22,040 --> 00:21:23,919
Speaker 1: a couple of cards and all of them charged between

480
00:21:23,960 --> 00:21:27,120
Speaker 1: one and three percent on every transaction. You know that

481
00:21:27,119 --> 00:21:28,960
Speaker 1: that could lead to a big bill that you rack

482
00:21:29,080 --> 00:21:33,200
Speaker 1: up equivalent to essentially an annual fee or more. And

483
00:21:33,440 --> 00:21:35,760
Speaker 1: Chase Sapphire also has a sweet sign up bonus man,

484
00:21:35,800 --> 00:21:37,480
Speaker 1: which you know I'm all about, right, You love the

485
00:21:37,480 --> 00:21:39,639
Speaker 1: sign of bonus. That's like, that's that's my jam, right,

486
00:21:40,400 --> 00:21:42,399
Speaker 1: I think you make up like random other names just

487
00:21:42,440 --> 00:21:44,440
Speaker 1: to get the sign up bonuses. You've got like twelve

488
00:21:44,520 --> 00:21:47,959
Speaker 1: different cards. I'm pretty sure that's a legal Joel. The

489
00:21:48,000 --> 00:21:50,159
Speaker 1: next travel benefit you can use your credit card for

490
00:21:50,400 --> 00:21:52,919
Speaker 1: is that you can use it to have secondary and

491
00:21:52,960 --> 00:21:56,560
Speaker 1: even primary rental car coverage first as quickly kind of cover.

492
00:21:56,640 --> 00:21:59,200
Speaker 1: What that means is that so your insurance that you have,

493
00:21:59,720 --> 00:22:01,160
Speaker 1: you know, if you own a vehicle in the States

494
00:22:01,200 --> 00:22:03,199
Speaker 1: and you have to have car insurance, well that's your

495
00:22:03,240 --> 00:22:06,520
Speaker 1: primary and then a lot of times the secondary insurance

496
00:22:06,560 --> 00:22:10,520
Speaker 1: will kick in after you've sort of used and exhausted

497
00:22:10,560 --> 00:22:13,400
Speaker 1: your primary insurance, and so it's sort of a backup.

498
00:22:13,840 --> 00:22:16,760
Speaker 1: And most credit cards have secondary, have some sort of

499
00:22:16,800 --> 00:22:21,800
Speaker 1: secondary benefit. Fewer have primary, but that's particularly sweet benefit. Yeah,

500
00:22:22,040 --> 00:22:23,640
Speaker 1: and so a lot of the ones that do offer

501
00:22:23,760 --> 00:22:27,959
Speaker 1: secondary rental card coverage will become primary coverage if you're

502
00:22:28,040 --> 00:22:30,720
Speaker 1: running a car overseas. So you're gonna want to make

503
00:22:30,760 --> 00:22:32,480
Speaker 1: sure to look at the details right like we said

504
00:22:32,480 --> 00:22:34,720
Speaker 1: in that pamphlet or on the website of that credit card,

505
00:22:34,920 --> 00:22:36,919
Speaker 1: so that you know what your credit card company is

506
00:22:36,960 --> 00:22:40,879
Speaker 1: offering you. But for instance, my Fidelity Rewards Visa offers

507
00:22:41,320 --> 00:22:44,400
Speaker 1: secondary coverage. But if I'm running a car overseas, let's

508
00:22:44,400 --> 00:22:47,639
Speaker 1: say I'm in Europe, I get primary coverage and so

509
00:22:47,760 --> 00:22:50,920
Speaker 1: I don't have to involve my own insurance company if

510
00:22:50,920 --> 00:22:53,639
Speaker 1: I get into an accident. And I mentioned that I

511
00:22:53,720 --> 00:22:55,639
Speaker 1: have had to take advantage of some of these lesser

512
00:22:55,680 --> 00:22:57,840
Speaker 1: known credit card benefits, Matt, and this is one that

513
00:22:57,920 --> 00:23:00,240
Speaker 1: I did have to take advantage of. Your to go

514
00:23:01,080 --> 00:23:03,640
Speaker 1: driving a car and OK, yeah, tell me about it.

515
00:23:03,760 --> 00:23:06,520
Speaker 1: So I did great across the whole country. And I

516
00:23:07,480 --> 00:23:10,720
Speaker 1: literally we drove from one one end of the Cape

517
00:23:10,760 --> 00:23:13,119
Speaker 1: to the other end of the Cape from Port Elizabeth,

518
00:23:13,119 --> 00:23:15,439
Speaker 1: the Cape town, and I was pulling into this like

519
00:23:15,520 --> 00:23:17,639
Speaker 1: general store right in the middle of the country. And

520
00:23:17,680 --> 00:23:20,000
Speaker 1: I did fine. Man, I was driving my stick shift

521
00:23:20,040 --> 00:23:22,199
Speaker 1: like a champ. And sounds like you weren't doing a

522
00:23:22,200 --> 00:23:24,919
Speaker 1: fine Joel. No, I was doing incredible. I was magnificent.

523
00:23:25,200 --> 00:23:28,680
Speaker 1: But then I pulled into a parking space. And there's

524
00:23:28,720 --> 00:23:30,760
Speaker 1: something about being on the other side of the car,

525
00:23:30,960 --> 00:23:33,320
Speaker 1: your depth perception. When you're pulling into a parking space,

526
00:23:33,880 --> 00:23:35,520
Speaker 1: you need to give it a little more space than

527
00:23:35,560 --> 00:23:37,560
Speaker 1: you think you do. I'm just not wasn't used to that,

528
00:23:37,760 --> 00:23:39,480
Speaker 1: and so I scraped the side of a car next

529
00:23:39,480 --> 00:23:41,400
Speaker 1: to me, and the credit card worked like a champ,

530
00:23:41,440 --> 00:23:45,280
Speaker 1: providing me that that that coverage of of the rental car.

531
00:23:45,440 --> 00:23:48,000
Speaker 1: So I was really thankful for that. I do want

532
00:23:48,000 --> 00:23:50,160
Speaker 1: to mention that one of the only cards out there

533
00:23:50,240 --> 00:23:52,960
Speaker 1: that it's pretty rare to find primary coverage for a

534
00:23:53,000 --> 00:23:55,120
Speaker 1: rental car, but there's like a there are a couple

535
00:23:55,160 --> 00:23:57,720
Speaker 1: of cards that do offer it, and the Chase Sapphire

536
00:23:57,800 --> 00:24:00,080
Speaker 1: cards are the ones that do. And in particular, if

537
00:24:00,119 --> 00:24:03,200
Speaker 1: you look at the Chase Sapphire Preferred, it only has

538
00:24:03,240 --> 00:24:06,080
Speaker 1: a ninety five dollar annual fee and the first year's

539
00:24:06,119 --> 00:24:08,760
Speaker 1: annual fee is waived. So if you are looking for

540
00:24:08,800 --> 00:24:11,640
Speaker 1: a card that's going to offer you primary coverage even

541
00:24:11,680 --> 00:24:13,760
Speaker 1: when you're running a car within the United States that

542
00:24:13,800 --> 00:24:16,200
Speaker 1: you don't have to involve your insurance company in case

543
00:24:16,200 --> 00:24:19,200
Speaker 1: of an accident, the Chase Sapphire Preferred Card is probably

544
00:24:19,240 --> 00:24:20,760
Speaker 1: the one you want to look to, and we'll link

545
00:24:20,800 --> 00:24:22,560
Speaker 1: to that in the show notes. All right, and the

546
00:24:22,600 --> 00:24:24,879
Speaker 1: next benufit we want to talk about is trip cancelation

547
00:24:24,920 --> 00:24:27,680
Speaker 1: insurance and you know as well as luggage insurance. And

548
00:24:27,720 --> 00:24:30,440
Speaker 1: specifically what comes to mind is when Kate and I

549
00:24:30,640 --> 00:24:34,240
Speaker 1: his honeymoon got hit by a hurricane. What your honeymoon

550
00:24:34,280 --> 00:24:37,919
Speaker 1: got hit by a hurricane? Well, Jamaica did. So we

551
00:24:37,920 --> 00:24:40,440
Speaker 1: had planned to go to Jamaica and we had this

552
00:24:40,480 --> 00:24:42,679
Speaker 1: is back in the day, and we had used a

553
00:24:42,680 --> 00:24:46,159
Speaker 1: travel agent that Kate's folks had recommended because they had

554
00:24:46,200 --> 00:24:48,600
Speaker 1: used her before, and she had recommended that we do

555
00:24:48,680 --> 00:24:50,760
Speaker 1: trip insurance, and I thought, you know what, that sounds

556
00:24:50,800 --> 00:24:53,320
Speaker 1: like something we should do. So we paid for and

557
00:24:53,359 --> 00:24:55,239
Speaker 1: it wasn't that much, but it's still it was an

558
00:24:55,240 --> 00:24:57,040
Speaker 1: additional charge that we had to pay for. And it's

559
00:24:57,040 --> 00:24:59,720
Speaker 1: a good thing we did because at big old Category

560
00:24:59,760 --> 00:25:03,960
Speaker 1: five hurricane hit Jamaica, the entire island shut down, and

561
00:25:04,000 --> 00:25:06,040
Speaker 1: we were lucky enough to have gotten the trip insurance

562
00:25:06,080 --> 00:25:07,960
Speaker 1: and we got to reschedule that for a couple of

563
00:25:07,960 --> 00:25:10,399
Speaker 1: months later over Thanksgiving. A lot of people are just

564
00:25:10,480 --> 00:25:12,879
Speaker 1: completely out of lucky something like that happened exactly, and

565
00:25:12,880 --> 00:25:14,560
Speaker 1: so we were stoked and thought that it was the

566
00:25:14,600 --> 00:25:17,439
Speaker 1: best thing. Ever, however, it's amazing to know that we

567
00:25:17,480 --> 00:25:20,000
Speaker 1: could have already have had that trip insurance had we

568
00:25:20,040 --> 00:25:22,400
Speaker 1: put it on the right card for free, for free

569
00:25:22,400 --> 00:25:25,720
Speaker 1: credit card right exactly. So I have the Costco credit card,

570
00:25:25,800 --> 00:25:28,520
Speaker 1: and the Crossco credit card offers three percent cash back

571
00:25:28,560 --> 00:25:31,440
Speaker 1: on everything you buy travel related and then they also

572
00:25:31,480 --> 00:25:34,720
Speaker 1: have this trip cancelation and interruption and protection and so

573
00:25:34,760 --> 00:25:37,840
Speaker 1: if something happens, you can be reimbursed for these nonrefundable

574
00:25:37,840 --> 00:25:40,320
Speaker 1: trip expenses that you've incurred, which is really cool. And

575
00:25:40,359 --> 00:25:43,159
Speaker 1: there are a lot of differences to the trip cancelation

576
00:25:43,200 --> 00:25:46,600
Speaker 1: plans that different credit card companies offer, so again, make

577
00:25:46,600 --> 00:25:48,920
Speaker 1: sure you read the fine print the one that you're using,

578
00:25:49,160 --> 00:25:51,240
Speaker 1: and some are better than others. But I would say

579
00:25:51,280 --> 00:25:53,919
Speaker 1: that it's just really nice to know that if something happens, right,

580
00:25:54,000 --> 00:25:56,199
Speaker 1: some sort of unforeseen event, to have that sort of

581
00:25:56,320 --> 00:26:01,080
Speaker 1: cancelation insurance is really awesome. There's also luggage insurance, which

582
00:26:01,119 --> 00:26:03,840
Speaker 1: you know if your luggage gets lost in transit fault

583
00:26:03,880 --> 00:26:05,760
Speaker 1: of the airline. That never happens, right, but if it

584
00:26:05,800 --> 00:26:07,920
Speaker 1: were to happen, there's coverage for you. And it's cool

585
00:26:07,920 --> 00:26:10,480
Speaker 1: to know that your credit card offers you that benefit

586
00:26:10,520 --> 00:26:12,879
Speaker 1: to Speaking of lost luggage, have you ever been to

587
00:26:13,080 --> 00:26:17,240
Speaker 1: the Lost Luggage warehouse store in Alabama? No, but I've

588
00:26:17,240 --> 00:26:19,199
Speaker 1: heard I'm talking about I totally want to take an

589
00:26:19,200 --> 00:26:21,359
Speaker 1: excursion there. We we we gotta go. We gotta take a

590
00:26:22,080 --> 00:26:23,639
Speaker 1: let's take a poor and not poor road trip, and

591
00:26:23,720 --> 00:26:26,760
Speaker 1: uh look through other people's lost luggage. Let's see what

592
00:26:26,840 --> 00:26:29,199
Speaker 1: we can find. It sounds amazing. I heard you can

593
00:26:29,200 --> 00:26:31,560
Speaker 1: get some amazing deals on on stuff. And I don't

594
00:26:31,560 --> 00:26:34,720
Speaker 1: know exactly how it works other than like the stuff

595
00:26:34,720 --> 00:26:36,920
Speaker 1: just gets donated by the airlines, or do they sell

596
00:26:36,960 --> 00:26:38,800
Speaker 1: it or what. I don't know. That's a good question.

597
00:26:38,840 --> 00:26:40,760
Speaker 1: But like after a certain period of time, I guess

598
00:26:41,280 --> 00:26:43,399
Speaker 1: no one's coming back for that luggage. They got to

599
00:26:43,400 --> 00:26:46,320
Speaker 1: send it to this big warehouse in Alabama, all right, Matt,

600
00:26:46,320 --> 00:26:48,840
Speaker 1: So let's run through just a few other travel benefits

601
00:26:48,840 --> 00:26:51,560
Speaker 1: really quickly. There are with different credit cards. You know,

602
00:26:51,600 --> 00:26:53,840
Speaker 1: free checked bags. Let's say you're big into checking bags,

603
00:26:53,840 --> 00:26:56,399
Speaker 1: but you hate paying the fees. You know, I prefer

604
00:26:56,720 --> 00:26:59,440
Speaker 1: to carry on unless I'm checking beer and which I said,

605
00:26:59,480 --> 00:27:01,320
Speaker 1: flies off west right, this way to do it. But

606
00:27:01,400 --> 00:27:04,680
Speaker 1: there's also a priority boarding, there's access to airport lounges.

607
00:27:04,960 --> 00:27:07,240
Speaker 1: There's the potential to get free global entry and t

608
00:27:07,440 --> 00:27:09,879
Speaker 1: s a pre check. So all these different credit cards

609
00:27:09,920 --> 00:27:12,800
Speaker 1: offer different travel benefits, and make sure you know which

610
00:27:12,840 --> 00:27:15,080
Speaker 1: one is. Your credit card company offers but it's just

611
00:27:15,320 --> 00:27:18,040
Speaker 1: again cool to know that there are these free perks

612
00:27:18,040 --> 00:27:20,520
Speaker 1: out there for exactly perks, probably sitting on a credit

613
00:27:20,520 --> 00:27:22,879
Speaker 1: card that's in your wallet that you already have. So

614
00:27:23,000 --> 00:27:25,000
Speaker 1: just rifle through your wallet one night and you know,

615
00:27:25,040 --> 00:27:27,360
Speaker 1: look on those credit card websites and you'll find out

616
00:27:27,520 --> 00:27:29,800
Speaker 1: the benefits that you have open to you and you're

617
00:27:29,800 --> 00:27:32,359
Speaker 1: probably just not taking advantage of some of these free

618
00:27:32,400 --> 00:27:34,919
Speaker 1: benefits that you have access to right now. Yeah, man,

619
00:27:34,960 --> 00:27:36,800
Speaker 1: we've mentioned of several times to to go ahead like

620
00:27:36,800 --> 00:27:38,320
Speaker 1: read the fine print, you know, because it all kind

621
00:27:38,320 --> 00:27:40,840
Speaker 1: of comes down to the specific card details. Stick around

622
00:27:40,880 --> 00:27:42,600
Speaker 1: because at the end of the episode here we're gonna

623
00:27:42,640 --> 00:27:44,600
Speaker 1: talk about an app that sort of gets all that

624
00:27:44,680 --> 00:27:47,400
Speaker 1: information together for you, and we found that it's much easier,

625
00:27:47,840 --> 00:27:49,800
Speaker 1: and so yeah, stay tuned for that. But before we

626
00:27:49,840 --> 00:28:00,160
Speaker 1: get to that, we're gonna take a quick break. Other

627
00:28:00,160 --> 00:28:02,000
Speaker 1: we're back from the break, let's go ahead and cover

628
00:28:02,119 --> 00:28:04,240
Speaker 1: a few more benefits that we have to make sure

629
00:28:04,320 --> 00:28:08,400
Speaker 1: you know about. Another free potential benefit is free roadside assistance.

630
00:28:08,560 --> 00:28:11,320
Speaker 1: So instead of paying an annual fee to triple a

631
00:28:11,359 --> 00:28:14,879
Speaker 1: every year or using the service from your insurance provider,

632
00:28:14,920 --> 00:28:17,080
Speaker 1: which could end up costing you a lot more in

633
00:28:17,119 --> 00:28:19,199
Speaker 1: the end. Well, yeah, if you end up using your

634
00:28:19,240 --> 00:28:21,879
Speaker 1: insurance and then they started they considered a claim, yeah exactly,

635
00:28:21,960 --> 00:28:24,760
Speaker 1: start renegotiating your rates, and then you get a notification

636
00:28:24,920 --> 00:28:28,040
Speaker 1: saying that your premium has gone up. Right, So using

637
00:28:28,560 --> 00:28:31,320
Speaker 1: free roadside assistance from your credit card might work out

638
00:28:31,400 --> 00:28:33,320
Speaker 1: way better than the end. Lots of times there are

639
00:28:33,359 --> 00:28:35,159
Speaker 1: caps are mileage limits, but you're gonna want to be

640
00:28:35,160 --> 00:28:37,320
Speaker 1: aware of those. Dude. That's actually one that I should

641
00:28:37,320 --> 00:28:39,800
Speaker 1: have taken advantage of. I'm thinking back to last year.

642
00:28:39,840 --> 00:28:42,280
Speaker 1: I think about this time last year when I locked

643
00:28:42,280 --> 00:28:45,080
Speaker 1: the keys in our car and ended up calling up

644
00:28:45,080 --> 00:28:47,520
Speaker 1: a locksmith to come and you know, pop the pop

645
00:28:47,520 --> 00:28:50,480
Speaker 1: the door open. Yeah, freaking cost us on our fifteen bucks. Dude,

646
00:28:50,480 --> 00:28:53,120
Speaker 1: locksmiths are crazy expensive. Yeah, I mean, and there's a

647
00:28:53,120 --> 00:28:55,000
Speaker 1: lot of scammers in the locks Yeah. Well that's that's

648
00:28:55,000 --> 00:28:56,880
Speaker 1: why I was so pissed, was because I called them

649
00:28:56,920 --> 00:28:58,480
Speaker 1: up and they say, yeah, it'll be you know, forty

650
00:28:58,480 --> 00:29:00,640
Speaker 1: bucks or something like that is what they said on

651
00:29:00,680 --> 00:29:02,240
Speaker 1: the phone. And the dude shows up and he said

652
00:29:02,280 --> 00:29:04,680
Speaker 1: one sixty. And I was furious, man, because it was

653
00:29:04,680 --> 00:29:07,400
Speaker 1: a total bait and switch to know that if I

654
00:29:07,400 --> 00:29:09,280
Speaker 1: would have freaking thought of my credit card and been

655
00:29:09,280 --> 00:29:11,280
Speaker 1: able to kind of claim that against them and have

656
00:29:11,360 --> 00:29:13,480
Speaker 1: them either reduced that by fifty bucks that they would

657
00:29:13,480 --> 00:29:14,960
Speaker 1: have been willing to spend, or we would have just

658
00:29:15,000 --> 00:29:17,640
Speaker 1: been able to pay fifty dollars flat and had a

659
00:29:17,720 --> 00:29:20,680
Speaker 1: roadside assistants come out. That's definitely something I didn't take

660
00:29:20,680 --> 00:29:24,560
Speaker 1: advantage of last year, and I ain't gonna lie kind

661
00:29:24,560 --> 00:29:26,800
Speaker 1: of feel like a sucker. Yeah, it's good to be

662
00:29:26,840 --> 00:29:28,680
Speaker 1: aware about for the future, and that's kind of part

663
00:29:28,680 --> 00:29:30,920
Speaker 1: of what this episode is about, I think, is kind

664
00:29:30,920 --> 00:29:32,920
Speaker 1: of letting people know, right, Hey, here's a list of

665
00:29:32,960 --> 00:29:35,760
Speaker 1: a bunch of different benefits that you either have access

666
00:29:35,800 --> 00:29:37,960
Speaker 1: to right now, or you can get a credit card

667
00:29:38,280 --> 00:29:40,360
Speaker 1: that will give you access to some of these benefits.

668
00:29:40,680 --> 00:29:42,960
Speaker 1: Let's say you're an international traveler. You do it twice

669
00:29:43,000 --> 00:29:45,960
Speaker 1: a year, but you didn't know that there are credit

670
00:29:46,000 --> 00:29:48,800
Speaker 1: cards that offer some of these benefits. Boom, now's the time.

671
00:29:48,840 --> 00:29:50,560
Speaker 1: Go sign up for a new one. Go sign up

672
00:29:50,560 --> 00:29:53,600
Speaker 1: for a card that actually offers you no foreign transaction fees,

673
00:29:53,720 --> 00:29:56,920
Speaker 1: primary rental card coverage, trip cancelation insurance. Right, all these

674
00:29:56,920 --> 00:29:59,400
Speaker 1: things that you know what you might not necessarily need

675
00:29:59,440 --> 00:30:01,560
Speaker 1: to use any of these benefits, but it's just really

676
00:30:01,640 --> 00:30:03,280
Speaker 1: nice to know that they're there, and you want to

677
00:30:03,320 --> 00:30:05,040
Speaker 1: make sure you're using the right credit card when you

678
00:30:05,120 --> 00:30:08,280
Speaker 1: actually ended up, you know, booking that service, and particularly

679
00:30:08,320 --> 00:30:10,400
Speaker 1: with travel, that's where you can end up saving the most.

680
00:30:10,600 --> 00:30:12,320
Speaker 1: And so you want to make sure you're you're using

681
00:30:12,320 --> 00:30:14,600
Speaker 1: the right credit card and that you know the benefits

682
00:30:14,600 --> 00:30:16,880
Speaker 1: that are available to you. I know, the quick benefit

683
00:30:17,000 --> 00:30:19,600
Speaker 1: is that credit card companies are letting you see what

684
00:30:19,720 --> 00:30:21,920
Speaker 1: your credit score is, which is awesome and this isn't

685
00:30:21,960 --> 00:30:23,960
Speaker 1: it used to be something that I think Discover Card

686
00:30:24,080 --> 00:30:26,800
Speaker 1: was only sort of doing it, But we're starting to

687
00:30:26,800 --> 00:30:28,880
Speaker 1: see a lot of the different credit card companies offering

688
00:30:28,920 --> 00:30:31,760
Speaker 1: that where when you go online you're getting ready to

689
00:30:31,800 --> 00:30:33,160
Speaker 1: look at your statement, you can kind of click over

690
00:30:33,240 --> 00:30:35,440
Speaker 1: on the side and take a quick look at your

691
00:30:35,480 --> 00:30:38,520
Speaker 1: credit score. Yeah, and I distinctly remember Matt when I

692
00:30:38,560 --> 00:30:42,840
Speaker 1: banked with Washington Mutual which WAMMU no longer around, but

693
00:30:42,880 --> 00:30:44,680
Speaker 1: that man that was their calling card was like, hey,

694
00:30:45,120 --> 00:30:47,040
Speaker 1: you can know your credit score if you bank with us,

695
00:30:47,360 --> 00:30:50,200
Speaker 1: And so I got a WAMMU card and and it

696
00:30:50,280 --> 00:30:51,880
Speaker 1: was awesome. Man, I was like one of the only

697
00:30:51,880 --> 00:30:54,680
Speaker 1: people that knew their credit score, because there just weren't

698
00:30:54,920 --> 00:30:58,240
Speaker 1: many banks or credit card companies making this benefit available.

699
00:30:58,560 --> 00:31:00,440
Speaker 1: And then you know, Discover Card did it, and that's

700
00:31:00,680 --> 00:31:02,640
Speaker 1: my favorite one to use. Even though I don't have

701
00:31:02,680 --> 00:31:05,000
Speaker 1: a Discover Card. You don't have to be a Discovered

702
00:31:05,000 --> 00:31:07,120
Speaker 1: customer to use. There's sort of like, well, you mentioned

703
00:31:07,160 --> 00:31:09,360
Speaker 1: Costco earlier. It made me think of the liquor store,

704
00:31:09,640 --> 00:31:10,800
Speaker 1: and I didn't realize that you didn't have to be

705
00:31:10,800 --> 00:31:13,920
Speaker 1: a member to go and buy beer or wine or

706
00:31:13,920 --> 00:31:17,040
Speaker 1: liquor from Costco or prescriptions. Yeah, how did I? How

707
00:31:17,080 --> 00:31:20,560
Speaker 1: did I not know that? You didn't ask me. It's

708
00:31:20,600 --> 00:31:22,160
Speaker 1: the same thing. Yeah, you don't have to be a

709
00:31:22,160 --> 00:31:24,680
Speaker 1: Discover Card card holder in order to take advantage of

710
00:31:24,680 --> 00:31:27,800
Speaker 1: that benefit, and so almost every credit card company offers this.

711
00:31:27,880 --> 00:31:30,240
Speaker 1: Now it seems like it's pretty ubiquitous. But that's a

712
00:31:30,240 --> 00:31:32,000
Speaker 1: good way to kind of keep in touch with your

713
00:31:32,000 --> 00:31:33,880
Speaker 1: credit score if you're not going to use the service

714
00:31:33,880 --> 00:31:36,719
Speaker 1: like credit Carma, which we really like, just knowing your

715
00:31:36,720 --> 00:31:38,880
Speaker 1: credit score and having that available to you and just

716
00:31:38,960 --> 00:31:41,680
Speaker 1: kind of keeping tabs on it, you know what's going on. Well,

717
00:31:41,680 --> 00:31:43,680
Speaker 1: it's free, and it's one of those lesser known credit

718
00:31:43,680 --> 00:31:46,880
Speaker 1: card benefits that you have available to you. And another

719
00:31:46,920 --> 00:31:49,640
Speaker 1: thing free museum visits. There are different credit cards that

720
00:31:49,720 --> 00:31:53,480
Speaker 1: offer little perks like free museum visits. And I don't

721
00:31:53,520 --> 00:31:55,600
Speaker 1: have this credit card, but there's a Bank of American

722
00:31:55,640 --> 00:31:58,600
Speaker 1: credit card that offers you free entrance into the High

723
00:31:58,720 --> 00:32:01,880
Speaker 1: Museum where we are in Atlanta, every every month. I

724
00:32:01,880 --> 00:32:04,200
Speaker 1: think it's like the first weekend of every month, which

725
00:32:04,200 --> 00:32:07,760
Speaker 1: is super cool. Yeah, sweet perk, although you are then

726
00:32:07,840 --> 00:32:11,400
Speaker 1: stuck with banking with Bank of America, which is wide

727
00:32:11,480 --> 00:32:14,200
Speaker 1: rather purchase to take exactly worth it. It's like, oh,

728
00:32:14,520 --> 00:32:17,719
Speaker 1: deep down, probably not right, but it's just cool to know, right,

729
00:32:17,760 --> 00:32:19,800
Speaker 1: there are all sorts of weird little perks like that.

730
00:32:20,080 --> 00:32:22,880
Speaker 1: And another thing matth that I saw that Sonoma County

731
00:32:23,000 --> 00:32:25,720
Speaker 1: has their own visa signature card and you can get

732
00:32:26,120 --> 00:32:29,000
Speaker 1: wine discounts and discounts on like wine tours and stuff

733
00:32:29,040 --> 00:32:30,840
Speaker 1: like that when you're in Sonoma County. So if you're

734
00:32:30,880 --> 00:32:32,840
Speaker 1: like a big wine head wine geek, you know, you

735
00:32:32,840 --> 00:32:34,400
Speaker 1: can get this credit card that what they call it

736
00:32:34,440 --> 00:32:37,160
Speaker 1: wine heads. I don't know. I have no idea because

737
00:32:37,200 --> 00:32:39,480
Speaker 1: you know, we'd like beer here, but it may what

738
00:32:39,560 --> 00:32:41,080
Speaker 1: if there's a credit card that you could get like

739
00:32:41,120 --> 00:32:43,840
Speaker 1: a beer discount on we would be making bank. What

740
00:32:43,920 --> 00:32:46,440
Speaker 1: if there's like a Sierra Nevada did like or you know,

741
00:32:46,560 --> 00:32:48,640
Speaker 1: New Belgium, I don't know, something like that, or just

742
00:32:48,680 --> 00:32:50,800
Speaker 1: some sort of car that did partnership. That's like anytime

743
00:32:50,840 --> 00:32:53,880
Speaker 1: you spend money on beer, craft beer, it's gonna pay

744
00:32:54,200 --> 00:32:57,600
Speaker 1: That'd be amazing gonna pay off that. Yeah. So yeah,

745
00:32:57,640 --> 00:32:59,920
Speaker 1: like Joe said, there's just lots of small little perks

746
00:33:00,000 --> 00:33:02,920
Speaker 1: and just look around. The biggest thing is just knowing

747
00:33:03,200 --> 00:33:06,160
Speaker 1: that these benefits exist. There's a lot of things out there,

748
00:33:06,240 --> 00:33:08,479
Speaker 1: and and like you said, they're not things that they

749
00:33:08,480 --> 00:33:11,600
Speaker 1: really advertise all that Often their benefits that go unnoticed

750
00:33:11,680 --> 00:33:14,720
Speaker 1: until you kind of start digging into the fine print. Yes,

751
00:33:14,760 --> 00:33:17,440
Speaker 1: So the last benefit I wanted to specifically call out, Matt.

752
00:33:17,480 --> 00:33:20,760
Speaker 1: And this is huge for so many people cell phone insurance.

753
00:33:20,840 --> 00:33:23,000
Speaker 1: Your cell phone insurance. Most people buy it through their

754
00:33:23,040 --> 00:33:26,800
Speaker 1: cell phone provider, through Sprint, A T and T, Verizon, Teamobile, whatever,

755
00:33:26,840 --> 00:33:29,840
Speaker 1: and they're paying ten twelve dollars a month. Not to

756
00:33:29,880 --> 00:33:33,080
Speaker 1: mention there's a deductible if they end up breaking their phone,

757
00:33:33,440 --> 00:33:35,720
Speaker 1: or they go through a secondary provider, which is maybe

758
00:33:35,720 --> 00:33:38,160
Speaker 1: a little bit cheaper and maybe a little bit smaller

759
00:33:38,160 --> 00:33:41,040
Speaker 1: of a deductible, But your credit card offers in all

760
00:33:41,080 --> 00:33:44,640
Speaker 1: likelihood or a lot of credit cards do cell phone insurance,

761
00:33:44,840 --> 00:33:47,400
Speaker 1: and so there's up to six dollars worth of coverage

762
00:33:47,480 --> 00:33:50,880
Speaker 1: with a small deductible in the case of breaking or

763
00:33:50,880 --> 00:33:53,960
Speaker 1: shattering your cell phone. It's just nice to know that

764
00:33:53,960 --> 00:33:56,760
Speaker 1: that insurance is available through a cell phone and you're

765
00:33:56,800 --> 00:34:00,480
Speaker 1: not paying a monthly fee in order to have that. Giants,

766
00:34:00,880 --> 00:34:02,600
Speaker 1: as long as your monthly bill is being paid by

767
00:34:02,600 --> 00:34:05,040
Speaker 1: that credit card, which in my case it isn't because

768
00:34:05,160 --> 00:34:07,120
Speaker 1: I don't think we've ever talked about this, but we're

769
00:34:07,120 --> 00:34:09,680
Speaker 1: on a huge family plan like friends and family, where

770
00:34:09,719 --> 00:34:14,000
Speaker 1: we've got uh ten of our friends like all together,

771
00:34:14,200 --> 00:34:17,080
Speaker 1: and some people have never met honest that you've never met,

772
00:34:17,120 --> 00:34:19,879
Speaker 1: I know them, you don't got them. I don't even

773
00:34:19,880 --> 00:34:21,160
Speaker 1: know how we got them on. It's like, hey, you

774
00:34:21,200 --> 00:34:25,200
Speaker 1: want to like join us on this pyramid scheme. But

775
00:34:25,239 --> 00:34:28,880
Speaker 1: the benefit there is that you know what's up. And

776
00:34:28,880 --> 00:34:30,880
Speaker 1: so the credit card that you have us paying the

777
00:34:31,080 --> 00:34:33,919
Speaker 1: you know, our monthly bill on has that benefit, which

778
00:34:33,960 --> 00:34:36,560
Speaker 1: is awesome. Yep, all right, maw let's so let's talk

779
00:34:36,600 --> 00:34:38,919
Speaker 1: about that app then that you found that that really

780
00:34:38,960 --> 00:34:41,480
Speaker 1: is going to help people out trying to make sense

781
00:34:41,719 --> 00:34:44,520
Speaker 1: of all these benefits. Right, we listed a bunch, but

782
00:34:44,640 --> 00:34:47,720
Speaker 1: how do they figure out whether their credit card offers

783
00:34:47,760 --> 00:34:50,560
Speaker 1: these benefits or maybe they found out about a particular

784
00:34:50,560 --> 00:34:52,840
Speaker 1: benefit that we just discussed that they didn't know existed,

785
00:34:52,920 --> 00:34:54,640
Speaker 1: and our listeners, you know, want to find a card

786
00:34:54,680 --> 00:34:56,960
Speaker 1: that offers that. Yeah. The reason this is so important, man,

787
00:34:56,960 --> 00:35:00,239
Speaker 1: it's like there's just so much headspace that we have, right,

788
00:35:00,280 --> 00:35:02,239
Speaker 1: Like I can't can keep up with what credit cards

789
00:35:02,280 --> 00:35:05,000
Speaker 1: are offering, what benefit and so yeah, having something that

790
00:35:05,040 --> 00:35:07,279
Speaker 1: you can go to easily is is pretty key because

791
00:35:07,320 --> 00:35:08,840
Speaker 1: I don't have a ton of time to kind of

792
00:35:08,880 --> 00:35:11,640
Speaker 1: dig through all the different literature that the credit card

793
00:35:11,640 --> 00:35:13,800
Speaker 1: company is going to be sending out. But the app,

794
00:35:14,040 --> 00:35:17,120
Speaker 1: it's called Sift s I F T and it is

795
00:35:17,160 --> 00:35:18,880
Speaker 1: an awesome mapp. I've only been playing with it for

796
00:35:18,880 --> 00:35:21,160
Speaker 1: a little bit. But what it does it allows you

797
00:35:21,200 --> 00:35:23,439
Speaker 1: to create an account and you can enter your credit

798
00:35:23,440 --> 00:35:26,319
Speaker 1: card information and if you have privacy concerns, you can

799
00:35:26,360 --> 00:35:28,279
Speaker 1: put what type of credit card you have in there,

800
00:35:28,640 --> 00:35:30,680
Speaker 1: and they list out all the different benefits that you have.

801
00:35:30,920 --> 00:35:32,799
Speaker 1: And not only that, man, But they detail how to

802
00:35:32,920 --> 00:35:35,720
Speaker 1: actually file a claim to specifically, like with purchase protection.

803
00:35:36,000 --> 00:35:37,560
Speaker 1: They tell you how to file the claim, They tell

804
00:35:37,600 --> 00:35:39,560
Speaker 1: you what number to call, what information you need to

805
00:35:39,600 --> 00:35:43,560
Speaker 1: have out, and it lists out all the details. Yeah.

806
00:35:43,560 --> 00:35:45,759
Speaker 1: So it's really cool, Matt, Like you can see the

807
00:35:45,800 --> 00:35:49,160
Speaker 1: exact benefits that you're eligible for. Yeah, like lists them

808
00:35:49,160 --> 00:35:51,160
Speaker 1: out under the credit card and you can enter multiple

809
00:35:51,200 --> 00:35:54,560
Speaker 1: credit cards and essentially it quickly allows you to pull

810
00:35:54,600 --> 00:35:57,360
Speaker 1: it up and I presume that you know it's going

811
00:35:57,440 --> 00:36:00,200
Speaker 1: to be updated. So if like we're saying earlier, where

812
00:36:00,239 --> 00:36:02,120
Speaker 1: there to be a credit card carrier that changes what

813
00:36:02,200 --> 00:36:05,160
Speaker 1: they offer or drop something altogether, that's gonna be reflected,

814
00:36:05,400 --> 00:36:06,480
Speaker 1: and so to be able to have that up to

815
00:36:06,520 --> 00:36:09,879
Speaker 1: date knowledge, you know, at your fingertips, uh, is huge. Yeah.

816
00:36:09,920 --> 00:36:12,360
Speaker 1: And they also say that they streamline the claim process

817
00:36:12,440 --> 00:36:14,400
Speaker 1: to make it as simple as possible to get your

818
00:36:14,400 --> 00:36:18,120
Speaker 1: money back, which is really cool that you don't necessarily right, Yeah, yeah,

819
00:36:18,120 --> 00:36:19,960
Speaker 1: that you can. It's just really cool to see that

820
00:36:20,000 --> 00:36:22,360
Speaker 1: you can click a button on the app as opposed

821
00:36:22,400 --> 00:36:25,040
Speaker 1: to having to call the credit card number and hope

822
00:36:25,080 --> 00:36:27,279
Speaker 1: that the person who answers, you know, knows what they're

823
00:36:27,280 --> 00:36:30,840
Speaker 1: talking about. And so going through this sift app, it

824
00:36:30,880 --> 00:36:32,480
Speaker 1: looks really cool. It looks like it can kind of

825
00:36:32,480 --> 00:36:35,279
Speaker 1: help organize and and put all these things together for

826
00:36:35,360 --> 00:36:37,359
Speaker 1: you so that you don't have, you know, fifty two

827
00:36:37,400 --> 00:36:39,560
Speaker 1: credit card benefits bouncing around in the back of your

828
00:36:39,600 --> 00:36:41,759
Speaker 1: mind that you have to keep track of. This app

829
00:36:41,800 --> 00:36:43,320
Speaker 1: is going to kind of keep it all in one place.

830
00:36:43,520 --> 00:36:45,520
Speaker 1: And so if you want to find out more, check

831
00:36:45,520 --> 00:36:49,319
Speaker 1: out the website sift wallet dot com. Yeah, if you're

832
00:36:49,360 --> 00:36:52,239
Speaker 1: looking for a slightly more low fi way of kind

833
00:36:52,239 --> 00:36:54,319
Speaker 1: of keeping track on some of these benefits, I would

834
00:36:54,360 --> 00:36:57,400
Speaker 1: suggest you know, writing maybe with a sharpie specifically on

835
00:36:57,480 --> 00:36:59,960
Speaker 1: your credit card travel right, like, Hey, this is the

836
00:37:00,000 --> 00:37:02,080
Speaker 1: credit card I use when I book anything travel related,

837
00:37:02,120 --> 00:37:04,920
Speaker 1: so I don't miss out on these benefits or electronics.

838
00:37:05,120 --> 00:37:08,279
Speaker 1: Anytime I purchased something that is an electronic item, I

839
00:37:08,360 --> 00:37:10,360
Speaker 1: used this credit card. That can at least make it

840
00:37:10,440 --> 00:37:12,520
Speaker 1: easier for you when you're reaching in your wallet to

841
00:37:12,560 --> 00:37:15,000
Speaker 1: pull out a piece of plastic to make a purchase,

842
00:37:15,080 --> 00:37:17,920
Speaker 1: that you know that you're using the right piece of

843
00:37:17,960 --> 00:37:21,640
Speaker 1: plastic with the right credit card benefits to make that

844
00:37:21,719 --> 00:37:25,799
Speaker 1: exact purchase. All right, Matt, back to the beer, Yeah, man,

845
00:37:25,840 --> 00:37:27,879
Speaker 1: We've had a lot of stouts on recently on the show.

846
00:37:27,880 --> 00:37:29,560
Speaker 1: It's it's kind of it's nice to have an I

847
00:37:29,640 --> 00:37:32,400
Speaker 1: p A double I p A. Uh, this one is

848
00:37:32,480 --> 00:37:35,359
Speaker 1: really delicious, Yeah, Matt. It's just fun to drink something

849
00:37:35,400 --> 00:37:37,640
Speaker 1: by a local brewery that we you know, don't have

850
00:37:37,800 --> 00:37:40,920
Speaker 1: much and a brewery that's undergoing like a renaissance of

851
00:37:40,920 --> 00:37:43,600
Speaker 1: sorts right now. And the thunder Thief I PA was

852
00:37:43,680 --> 00:37:47,279
Speaker 1: super strong, um and just kind of refreshing. Really. I

853
00:37:47,320 --> 00:37:49,640
Speaker 1: think it kind of had this refreshing you know, melon

854
00:37:50,000 --> 00:37:52,480
Speaker 1: piney nous. I really enjoyed this one. Yeah, it's a

855
00:37:52,560 --> 00:37:54,520
Speaker 1: nice change of pace, especially for a double if A

856
00:37:54,600 --> 00:37:55,839
Speaker 1: you know. I was just looking at the can too,

857
00:37:55,920 --> 00:37:59,120
Speaker 1: and it says this was a US Open Championships silver medal.

858
00:37:59,440 --> 00:38:04,399
Speaker 1: That's fancy. Congrats guys. But for really really enjoyed this beer.

859
00:38:04,440 --> 00:38:07,040
Speaker 1: And if you haven't checked out Atlanta Brewing Companies, uh

860
00:38:07,080 --> 00:38:09,960
Speaker 1: sort of new look check them out. Yeah, and we'll

861
00:38:09,960 --> 00:38:12,279
Speaker 1: link to an article from a website that we like

862
00:38:12,320 --> 00:38:14,839
Speaker 1: called Good Beer Hunting. Our friend Austin wrote an article

863
00:38:14,920 --> 00:38:17,720
Speaker 1: kind of about that change from Red Brick to Atlanta

864
00:38:17,719 --> 00:38:20,359
Speaker 1: Brewing Company and it was really insightful and so yeah,

865
00:38:20,360 --> 00:38:23,080
Speaker 1: we'll we'll post a link in our show notes. All right, Joel,

866
00:38:23,320 --> 00:38:26,040
Speaker 1: Now for our final thoughts, And first of all, before

867
00:38:26,040 --> 00:38:28,600
Speaker 1: we get to the benefits that we think are the best,

868
00:38:29,280 --> 00:38:30,880
Speaker 1: this is only for folks that are paying off their

869
00:38:30,880 --> 00:38:33,400
Speaker 1: credit card in full every month. I think a lot

870
00:38:33,400 --> 00:38:36,000
Speaker 1: of folks would argue that there are zero benefits to

871
00:38:36,040 --> 00:38:37,879
Speaker 1: having a credit card, right, Like, that's the big Dave

872
00:38:37,960 --> 00:38:40,080
Speaker 1: Ramsey thing, and that's one of the biggest ways we

873
00:38:40,200 --> 00:38:42,880
Speaker 1: differ from him, is that there's lots of benefits that

874
00:38:42,920 --> 00:38:44,879
Speaker 1: you can get from from having a credit card, but

875
00:38:45,280 --> 00:38:47,799
Speaker 1: those benefits kind of become null and void if you're

876
00:38:47,800 --> 00:38:50,959
Speaker 1: not paying your credit card off in full every month.

877
00:38:51,200 --> 00:38:53,440
Speaker 1: Got to be disciplined, that's right, man, or these benefits

878
00:38:53,480 --> 00:38:56,160
Speaker 1: don't matter. Let's just roll through a couple of the

879
00:38:56,160 --> 00:38:58,120
Speaker 1: big ones that we want to make sure you're well

880
00:38:58,160 --> 00:38:59,920
Speaker 1: aware of, and one is the extending of the main

881
00:39:00,000 --> 00:39:02,759
Speaker 1: fufacturer's warranty and also purchase protection. So when you're buying

882
00:39:02,800 --> 00:39:04,920
Speaker 1: an electronic item, you're gonna want to make sure you're

883
00:39:05,000 --> 00:39:08,400
Speaker 1: using a credit card that offers those specific benefits in

884
00:39:08,480 --> 00:39:10,799
Speaker 1: order to make sure that you're taking advantage of it.

885
00:39:11,200 --> 00:39:13,239
Speaker 1: That's right. Man. In the next big group are the

886
00:39:13,239 --> 00:39:16,520
Speaker 1: different travel benefits that you can receive with credit cards.

887
00:39:16,800 --> 00:39:20,360
Speaker 1: No foreign transaction fees, h taking advantage of the primary

888
00:39:20,400 --> 00:39:23,880
Speaker 1: and secondary rental car coverage, and even trip cancelation insurance.

889
00:39:23,880 --> 00:39:25,640
Speaker 1: There are just lots of other different benefits that you

890
00:39:25,680 --> 00:39:28,320
Speaker 1: can take advantage of if you're using the right card

891
00:39:28,680 --> 00:39:32,240
Speaker 1: to book those travels. Yep, and we did quick quickly mentioned,

892
00:39:32,239 --> 00:39:34,239
Speaker 1: but the Chase Sapphire Preferred Card is one of the

893
00:39:34,320 --> 00:39:36,880
Speaker 1: absolute best cards out there for people that do like

894
00:39:36,960 --> 00:39:39,200
Speaker 1: to travel a lot. On top of that, though, read

895
00:39:39,360 --> 00:39:42,480
Speaker 1: the fine print inside of your credit card contract, or

896
00:39:42,480 --> 00:39:44,920
Speaker 1: you can also look at the actual credit card website

897
00:39:44,960 --> 00:39:47,480
Speaker 1: and read through all the fine print there. Make sure

898
00:39:47,480 --> 00:39:50,520
Speaker 1: you're using the proper card for the purchase you're making

899
00:39:50,640 --> 00:39:53,680
Speaker 1: in order to take advantage of those benefits and make

900
00:39:53,680 --> 00:39:57,840
Speaker 1: sure that you're meeting all of the requirements listed inside

901
00:39:57,840 --> 00:39:59,600
Speaker 1: of that fine print. Or an even easier way be

902
00:39:59,680 --> 00:40:01,919
Speaker 1: sure to check out that app we mentioned sift. They've

903
00:40:01,920 --> 00:40:03,879
Speaker 1: got all the information there from all the different credit

904
00:40:03,920 --> 00:40:06,680
Speaker 1: card companies and it's just a great way to keep

905
00:40:06,719 --> 00:40:09,920
Speaker 1: that information organized and write out your fingertips. Yeah, so

906
00:40:10,000 --> 00:40:11,880
Speaker 1: we'll have a link to that as well as some

907
00:40:11,920 --> 00:40:13,919
Speaker 1: of the other things we mentioned up on our show

908
00:40:13,920 --> 00:40:16,600
Speaker 1: notes at how to money dot com. Yeah, and hopefully

909
00:40:16,680 --> 00:40:19,320
Speaker 1: you found this episode helpful. If you found it randomly,

910
00:40:19,360 --> 00:40:21,359
Speaker 1: be sure to check us out on Apple Podcasts, where

911
00:40:21,360 --> 00:40:23,440
Speaker 1: you can subscribe and you can get all the new

912
00:40:23,440 --> 00:40:26,919
Speaker 1: episodes as they are released. Until next time, Buddy, Best

913
00:40:26,960 --> 00:40:28,520
Speaker 1: Friends Out, Friends Out,