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Speaker 1: Chase Reserve car came out, this new list of perks,

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Speaker 1: and somewhere in there is a streaming perk. I think

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Speaker 1: it's Apple TV. Are y'all Chase Reserve cardholders did y'all

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Speaker 1: fall for the lore, the lore and the appeal like

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Speaker 1: the This was a moment, the Chase Reserve launching in

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Speaker 1: twenty seventeen, sixteen.

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Speaker 2: Oh, huge moment.

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Speaker 1: Yeah, it was one hundred thousand dollars. Sorry, one hundred

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Speaker 1: thousand points.

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Speaker 3: I didn't see that.

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Speaker 2: Wait, I didn't get that perk. How do I get

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Speaker 2: that one? But it's very annoying.

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Speaker 4: I was tempted to pay the one hundred and forty

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Speaker 4: dollars for the yearly premium on Peacock because I was

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Speaker 4: tired of getting ads every But.

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Speaker 2: I'm not doing it, y'all, I'm not doing those ads.

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Speaker 1: Hold on, Chris, don't ruin it. She's giving me a segue, Baybay,

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Speaker 1: a segue.

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Speaker 2: Take the segway, girl, take it.

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Speaker 1: Speaking of the cost of streaming apps, Chase Reserve came

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Speaker 1: out with a brand new Chase Reserve car came out

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Speaker 1: this new list of perks, and somewhere in there is

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Speaker 1: a streaming perk. I think it's Apple TV, Apple Apple

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Speaker 1: And do have I, madam? I already have it up

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Speaker 1: to the points guy dot com. Have y'all are y'all

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Speaker 1: Chase Reserve card holders? Did y'all fall for the lore?

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Speaker 1: The lore and the appeal like the this was a moment,

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Speaker 1: the Chase Reserve launching in twenty seventeen, sixteen.

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Speaker 2: Oh, huge moment.

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Speaker 1: Yeah, it was one hundred thousand dollars. Sorry, one hundred

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Speaker 1: thousand points.

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Speaker 3: I didn't see that.

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Speaker 2: Wait, I didn't get that perk. How do I get

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Speaker 2: that one?

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Speaker 1: That's how I pay for my honeymoon. That's how I

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Speaker 1: know the date so well. I'm like it was the

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Speaker 1: fall of twenty sixteen because I got the card and

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Speaker 1: then we used the points to get our honeymoon. We

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Speaker 1: got married twenty seventeen. But as a Chase Reserve customer,

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Speaker 1: the perks have gotten, especially the sign on perks, have

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Speaker 1: gotten kind of stale.

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Speaker 4: They're so stale they would never hit that again. The

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Speaker 4: one hundred thousand, I have not seen it to that

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Speaker 4: level yet. And even now girl, with this streaming perk.

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Speaker 4: The streaming perk is one hundred and twenty dollars annual

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Speaker 4: credit for eligible streaming services. Hey, that's cute, that's cute,

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Speaker 4: But like, how are you gonna get to the point

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Speaker 4: where the forty eight month the forty eight month rule

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Speaker 4: was everything for people who like to turn credit cards.

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Speaker 4: And now it's a one you get a once per

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Speaker 4: lifetime benefit for sign up bonus and you cannot get

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Speaker 4: it again and again. And that was the thing that

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Speaker 4: people were using and abusing and it's over.

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Speaker 2: It's over now.

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Speaker 1: Yeah. Is that just with Chase or is it with

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Speaker 1: all card card companies?

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Speaker 4: They've all the ones that they have are the Chase

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Speaker 4: Sapphire and the other one of the Reserve. Both of

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Speaker 4: those now you have one time welcome bonus and is

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Speaker 4: much harder to earn it and you can't get it

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Speaker 4: more than once.

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Speaker 1: Well, I was about to hold a gun to my

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Speaker 1: husband's head. I mean I was about to ask kindly

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Speaker 1: for my husband to sign up for the Reserve because

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Speaker 1: I had signed up for it back then. It's been

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Speaker 1: almost ten years. We were too cheap to ever do.

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Speaker 1: They wouldn't let you add a joint cardholder for free.

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Speaker 2: It was like you had to do two cards.

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Speaker 1: You had to do two cards, and he never got one.

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Speaker 1: And I'm like, oh he can get one.

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Speaker 2: Yeah, with your link with your AFRO, like that's what

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Speaker 2: we did.

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Speaker 1: Well. They're bringing back the one hundred thousand point bonus though,

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Speaker 1: if you've ever had.

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Speaker 4: It right so your so your husband can qualify for that. Yes,

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Speaker 4: definitely get him to.

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Speaker 1: Jump on that, which is like what's his is mine

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Speaker 1: and I will be point, especially.

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Speaker 2: When it comes to trial, especially when it comes to travel.

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Speaker 1: Yes, but and they've also increased the Chase travel credit,

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Speaker 1: which it was three hundred now it's five hundred dollars

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Speaker 1: when you spend five thousand on the first But does

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Speaker 1: do those benefits carry on to a current customer? Do

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Speaker 1: I get the five hundred dollars travel credit now because

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Speaker 1: every year I get three hundred dollars of travel.

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Speaker 3: Because I think I think so because your annual fee

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Speaker 3: is going up to next year.

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Speaker 1: I was going to get to the bad part, you know.

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Speaker 4: Three from what I from what I'm seeing, the three

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Speaker 4: hundred dollars travel credit on the Chase, that fire reserve

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Speaker 4: does not carry over from year to year?

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Speaker 1: Oh anymore because it definitely has.

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Speaker 3: Right what I it doesn't ext it's a user or

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Speaker 3: lose it thing like you don't get to watch.

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Speaker 1: Yeah, you don't stack, Yeah, but I would always I mean,

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Speaker 1: I wouldn't even think about it. I would just be like,

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Speaker 1: oh that's nice because I'd buy Ubers, or it would

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Speaker 1: be for a lot of different things. Cabs, Metro North.

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Speaker 1: All right, well let me break down some of the perks.

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Speaker 1: We've done. The one hundred thousand this is for new

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Speaker 1: new members. But Chase has been like promoting this big

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Speaker 1: announcement for weeks now. There were these big billboards, really

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Speaker 1: awkward ones, with a model holding a giant Chase credit

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Speaker 1: card on the Metro North and I'm just like, this

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Speaker 1: is the stupidest marketing I've ever seen. But it was.

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Speaker 1: It was put together in a rush, but for the like,

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Speaker 1: for the pomp and circumstance of it, and like how

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Speaker 1: excited they've all been. I don't know that the perks

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Speaker 1: and the fact that yes, the fee now is going

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Speaker 1: up to seven hundred and what seven ninety five, seven

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Speaker 1: ninety five dollars.

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Speaker 3: Basically I'm mad with that.

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Speaker 1: Just just say it's eight hundred, because I thought.

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Speaker 3: I just take the other five dollars in you know.

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Speaker 2: Psychology works, it's under eight hundred. It's under eight hundred.

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Speaker 1: I hate it. Five hundred and fifty I think is

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Speaker 1: what it has been. I don't even know if it's

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Speaker 1: worth me keeping the card. I might just let Husby

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Speaker 1: get the card and just get rid of mine.

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Speaker 4: I mean, ask yourself, is it worth sixty six dollars

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Speaker 4: a month? Because that's really what it comes down to, right,

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Speaker 4: sixty six dollars a month.

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Speaker 2: Yeah, that's at the end of the day. Most people

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Speaker 2: they look at seven ninety five, they look at five fifty.

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Speaker 2: They go, that's insane because you're looking at all at once.

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Speaker 4: But if you're going to benefit in sixty six dollars

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Speaker 4: of value per month at least, then it's worth it.

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Speaker 2: And it's worth it.

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Speaker 1: Well, let's see eight X points on all this is

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Speaker 1: the and now they have a business, will make sure

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Speaker 1: I have the right one up eight They say, you

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Speaker 1: get twenty seven hundred dollars in annual value. But let's

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Speaker 1: see it looks like eight X points on all travel

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Speaker 1: purchases made through Chase Travel, four X points on flights

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Speaker 1: that are booked direct through Chase. I think it used

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Speaker 1: to be three x four X points on hotels, three

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Speaker 1: X points on dining. That was that's that standard. Oh,

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Speaker 1: so the five one hundred dollars that's a promo credit.

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Speaker 3: Yeah, it's a one time thing, a one time thing.

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Speaker 1: So then they're keeping the three hundred annual travel credit.

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Speaker 1: You're getting a five hundred dollars credit for stays booked

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Speaker 1: using the edit, which I actually haven't used. I didn't

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Speaker 1: realize that was something that they had. It's like a hotel.

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Speaker 3: Those are I believe they're expensive hotels though, so it's

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Speaker 3: like you're not getting like that five hundred credit, which

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Speaker 3: is two hundred fifty dollars each, is not all at once.

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Speaker 3: It's only taking a fraction off of those hotel prices.

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Speaker 1: They have dash Pass membership for one hundred and twenty

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Speaker 1: dollars and three hundred dollars and door Dash promos. I

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Speaker 1: already use dash Pass membership. I do think I get

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Speaker 1: my money's worth.

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Speaker 4: And they also have restaurant credits too, Like I travel

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Speaker 4: so much for work that like sometimes I just want

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Speaker 4: to instead of paying six seventeen.

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Speaker 2: Dollars for a bottle of water at the airport.

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Speaker 4: Convenience, now I will step into the lounge real quick,

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Speaker 4: have a whole meal, get what all of that stuff

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Speaker 4: that I need right for with a benefit with my

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Speaker 4: card and if not, with lounge access, because I know

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Speaker 4: that the prefer doesn't have lounge access, but the reserve does.

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Speaker 4: But sometimes you get a little perk to get lounge

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Speaker 4: access with the preferred.

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Speaker 1: But we even forget you the game card, my Priority

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Speaker 1: pass card.

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Speaker 2: You gotta have that. Put it on your phone.

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Speaker 4: I have it on my wallet, on mynallet yep. Do it.

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Speaker 4: And not only that, but if you don't end up

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Speaker 4: seeing a lounge anywhere nearby, you still get restaurant credits.

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Speaker 4: Twenty thirty bucks goes a long way at the airport,

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Speaker 4: so you don't have to constantly be spending money.

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Speaker 2: So I think the.

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Speaker 4: Problem is so many people got it and they don't

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Speaker 4: like they don't actually travel enough to get the benefit.

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Speaker 2: Be real with yourself. You might have the idea of the.

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Speaker 1: Goal to we've done. Had it on my phone, y'all.

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Speaker 3: Girl, get that. You better get that QR code off

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Speaker 3: the screen.

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Speaker 1: Did you tell.

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Speaker 2: Snap shot snapshot real snaps everyone?

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Speaker 4: Damn no, girl, Did you really get denied because you

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Speaker 4: thought you didn't have your Priority pass and it was

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Speaker 4: on your phone?

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Speaker 1: I forget you know, I don't even bother to I'm

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Speaker 1: usually so late to the airport. I don't have to.

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Speaker 1: I'm see for me.

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Speaker 2: It's the layovers. If I ever have a layover, I'd

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Speaker 2: be like, all.

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Speaker 1: Right, I'm not gone. It would have been nice. And

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Speaker 1: oh when we were going to London, my friend was like,

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Speaker 1: don't you have priority pass? I was like, yeah, I

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Speaker 1: don't have the card with me. I forgot it and

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Speaker 1: JFK is JKS earlier.

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Speaker 2: That's GUARDI earlier because they hooked that thing up. Guardia

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Speaker 2: looks really nice.

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Speaker 1: Now. Guardias is so nice, nice, so nice organized that

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Speaker 1: I had to I went to the airport for nothing

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Speaker 1: because my flight ended up being canceled. I went and

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Speaker 1: got me a nice burrito. I did a little bit

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Speaker 1: of shopping and I was like, huh oh, cut.

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Speaker 2: That water fountain that looks like a Balacchio in Vegas.

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Speaker 1: They did. They did that.

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Speaker 2: I mean, there was a lot of taxpayer dollars, but

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Speaker 2: but it's very pretty.

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Speaker 1: So we'll give you that stub Hub credit. I just

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Speaker 1: bought three hundred dollars stub Hub credit, so you can

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Speaker 1: get up to one hundred and fifty dollars in statement

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Speaker 1: credits two times per year through January through June and

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Speaker 1: then again from June to Decimer. So god, I just bought.

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Speaker 1: I mean, I'm not it's like super I'm pretty proud

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Speaker 1: of it. I don't care. I bought another take to

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Speaker 1: see Beyonce in Atlanta.

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Speaker 2: I know you were gonna say that.

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Speaker 3: You can say away because.

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Speaker 1: Listen, Linda, listen back to visit my dad anyway, I

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Speaker 1: have a work trip coming up. You know Dad's going

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Speaker 1: to be alone. I was like, I volunteer a tribute.

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Speaker 1: I'll come, I'll come, pick me, pick me immediately because

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Speaker 1: she was overlaps with her dates in Atlanta. But I

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Speaker 1: need to see her with my people, like I need

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Speaker 1: to be surrounded by Atlanta's And I got the best deal,

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Speaker 1: Like I have incredible I have an incredible seats. I

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Speaker 1: have an incredible seat. I'm taking myself, me myself, and

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Speaker 1: I like dead center front row of the first section

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Speaker 1: that has a seat. And it was like five hundred

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Speaker 1: bucks and.

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Speaker 2: You could have got it for two hundred with the

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Speaker 2: three hundred.

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Speaker 1: But stop, I'm gonna activate this ship.

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Speaker 3: They better get well hold up. You only go get

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Speaker 3: one hundred and fifty now credit because it's always per

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Speaker 3: half the year.

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Speaker 2: Better than but honey, it's a discount. We take those.

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Speaker 1: So basically that, oh, this would be one hundred and

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Speaker 1: fifty for the last half of the year. I was

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Speaker 1: going to say, we I'll get another ticket.

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Speaker 2: No, no, no, you can't activate it twenty Yeah, you

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Speaker 2: know exactly. It's worth five doubles that if I get two,

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Speaker 2: then it's work all right.

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Speaker 1: Then they can Chase pay me for all his promotion.

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Speaker 1: They got two hundred and fifty dollars worth of Apple

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Speaker 1: benefits Apple TV plus they got one hundred and twenty

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Speaker 1: dollars in lift credits something about Peloton. Go check it out,

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Speaker 1: y'all can go to check credit cards dot Chase dot com.

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Speaker 1: Yeah uh, and don't get it if you can't afford

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Speaker 1: that incredibly high fee and all safety.

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Speaker 4: Six dollars a month, but it's paid once, all at once.

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Speaker 4: Seven ninety five gets taken from your account in January,

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Speaker 4: so just be very aware that you have to pay

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Speaker 4: that all up front, but spreading it out sixty six

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Speaker 4: per year. Don't be paying interest on the credit If

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Speaker 4: you're paying interest on your credit card, stay away, stay away,

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Speaker 4: graduate up to interest.

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Speaker 1: I paid some interest this year, y'all.

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Speaker 4: Don't do it.

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Speaker 1: It's truly it does. It does, and also be like,

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Speaker 1: oh I should use this card. I'm like, girl, you

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Speaker 1: know you're gonna pay interest on it. No, I'm gonna

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00:11:18,160 --> 00:11:19,719
Speaker 1: get back to the payoff in full, y'all. I'ming to

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Speaker 1: get back. It's been a weird year. When you hear

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Speaker 1: that guy that's sixty eight dollars a barrel like costs

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Speaker 1: her high. Hey, ba fam, we gonna take a quick break,

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Speaker 1: pay some bills, and we'll be right back. All right,

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Speaker 1: ba fam, We're back. But what else is in what's

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00:11:35,360 --> 00:11:38,040
Speaker 1: in your wallet? What else are y'all using and loving?

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Speaker 1: Because it feels like, maybe for the first time in

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Speaker 1: a while, cards are like AMX is supposed to answer

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Speaker 1: the Chase reserve updates sometime soon, it's imminent. But I'm

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Speaker 1: curious what else y'all are using.

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Speaker 3: I've been running with the Capital One venture X for

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Speaker 3: a little bit because of the lounge access and they

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Speaker 3: give you that three hundred dollar annual credit, so those

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Speaker 3: together pretty much cover the annual feed for me. I

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Speaker 3: think it was something else I get with them, and

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Speaker 3: I'm like, okay, yeah, it feels worthwhile. But the lounge

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Speaker 3: access is because how much does it cost I think

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Speaker 3: it is three ninety five, so reasonable. Yeah, it's not bad.

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Speaker 3: It could be changing. Everybody's changing. There is now get

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Speaker 3: access to so I get a's priority passed, and then

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Speaker 3: there's another series of like international lounges you get. But

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Speaker 3: it's a little bit because I only had the Chase.

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Speaker 3: You know, I'm not big time. Like the two of

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Speaker 3: you don't have the reserve. I had the Chase preferred,

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Speaker 3: so that one you really don't get into anything with

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Speaker 3: that one.

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Speaker 2: That's the point you need the reserve, the reserve.

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Speaker 3: But the with the Capitol one, there's actually a really

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Speaker 3: nice lounge just open up inn SFO that I use

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Speaker 3: and has like you know, it's clean, new, they got

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00:12:42,400 --> 00:12:44,560
Speaker 3: good food, they got a good space to relax, they

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Speaker 3: got showers and bathrooms all that stuff. So for me,

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Speaker 3: it was like, okay, this is perfect because that's the airport.

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Speaker 3: I'm either then or Oakland. And there's even a lounge

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Speaker 3: in Oakland that I can can get into as well.

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Speaker 3: So it's like, you know, that's what I'm going with

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Speaker 3: now that in Southwest because that's when I get like

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Speaker 3: the you get four seed upgrades on it and you

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00:13:00,360 --> 00:13:02,920
Speaker 3: get seventy five hundred points a year and then you

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Speaker 3: get a I think it's one hundred and fifty, No,

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00:13:05,240 --> 00:13:07,559
Speaker 3: seventy five dollars credit, and the annual fees is like

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Speaker 3: one hundred and fifty. So all that together is worth more.

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Speaker 3: Because I just upgraded my seat because my flight got canceled.

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Speaker 3: It would have cost me ninety one dollars it was free,

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Speaker 3: So I'm like, already right there, I did already already.

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Speaker 2: Just that one thing made it worth it.

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00:13:19,679 --> 00:13:22,120
Speaker 4: Yeah, I don't fly Southwest as much, but that sounds

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Speaker 4: like it's definitely worth it if.

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Speaker 2: You fly Southwest a lot.

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Speaker 4: But although there are changing things, they're doing assigned seats

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Speaker 4: and they're getting rid of the free bags.

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Speaker 1: I don't like that.

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Speaker 3: If you know, I don't know.

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Speaker 1: I've flown. I flew Southwest a couple times last year

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Speaker 1: and it just was stressful.

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Speaker 2: Yeah, I don't like them finding seats. I don't like that.

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Speaker 2: I need to know where I'm sitting.

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Speaker 3: Like what, yeah it is, But the thing is like

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Speaker 3: for me, I always eat the leg room and I

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Speaker 3: don't have to pay extra sit in the exit row

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Speaker 3: at least I didn't have to, so I'm like it's perfect.

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Speaker 3: I pay the same price to everybody else. And if

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Speaker 3: I get if I check in earlier, if I can

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Speaker 3: get to that exit row, if not, but if other flights,

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Speaker 3: I pay extra one hundred dollars to sit over there.

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Speaker 2: That's true, That's very true.

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Speaker 3: But I probably will soon or a lid for every pot.

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Speaker 2: A lid for every part.

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Speaker 1: All right, So Capital one X I've.

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Speaker 4: Been using two one is the we just got this

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Speaker 4: year for the first time, the American the American Express,

330
00:14:12,440 --> 00:14:15,040
Speaker 4: the Platinum card, which is it's a big one.

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Speaker 2: It's six hundred and ninety five.

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Speaker 4: That was a year.

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Speaker 1: But is that the one that's on par with the

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00:14:20,000 --> 00:14:23,400
Speaker 1: Preserve or the Reserve Chase Reserve so their pars are

335
00:14:23,440 --> 00:14:24,360
Speaker 1: going to be going up?

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00:14:24,720 --> 00:14:25,680
Speaker 2: Yeah, oh for sure.

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00:14:25,840 --> 00:14:28,200
Speaker 4: And the ones that we signed up for was you

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00:14:28,240 --> 00:14:30,760
Speaker 4: spend eight in the first three months and you get

339
00:14:30,840 --> 00:14:32,720
Speaker 4: oh no, first six months, so it was actually even

340
00:14:32,760 --> 00:14:34,160
Speaker 4: more time to spend the eight thousand, but you get

341
00:14:34,160 --> 00:14:36,920
Speaker 4: one hundred and seventy five thousand points, which was one

342
00:14:37,120 --> 00:14:41,720
Speaker 4: amazing five. Yeah, so we've been we've been using it.

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00:14:41,840 --> 00:14:44,120
Speaker 4: We went for Jamil's birthday which was Moral Day week

344
00:14:44,160 --> 00:14:47,000
Speaker 4: and May twenty fifth, we went to Hawaii for two weeks.

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Speaker 2: Almost didn't really spend much on the travel stuff.

346
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Speaker 4: So I feel like if you are strategic with the car,

347
00:14:52,960 --> 00:14:54,560
Speaker 4: if you get the points and stuff and you're using

348
00:14:54,600 --> 00:14:57,840
Speaker 4: it correctly, and if y'all don't know and you're like, wait,

349
00:14:57,920 --> 00:14:59,800
Speaker 4: I'm sleeping on this, there's a lot of content creators

350
00:14:59,800 --> 00:15:02,120
Speaker 4: that focus on points and miles that you know, are

351
00:15:02,200 --> 00:15:04,760
Speaker 4: really really great. Like I learned so much from some

352
00:15:04,880 --> 00:15:07,000
Speaker 4: of them, because even I was very basic when it

353
00:15:07,040 --> 00:15:08,960
Speaker 4: comes to credit card Like I just was like, I just.

354
00:15:09,080 --> 00:15:10,960
Speaker 2: Got these three or four cards that I need.

355
00:15:11,360 --> 00:15:13,480
Speaker 4: I keep the annual fees pretty low and only a

356
00:15:13,560 --> 00:15:15,160
Speaker 4: few like two years ago to now is that I

357
00:15:15,200 --> 00:15:17,760
Speaker 4: started getting in the game with more strategic cards. So

358
00:15:17,880 --> 00:15:19,760
Speaker 4: the second one, besides the Amex one, which has like

359
00:15:19,800 --> 00:15:22,000
Speaker 4: a bunch of credits, it definitely makes it's worth the

360
00:15:22,480 --> 00:15:23,840
Speaker 4: six ninety five fee for sure.

361
00:15:24,560 --> 00:15:27,320
Speaker 2: But the other one is the built rewards credit card,

362
00:15:27,400 --> 00:15:30,160
Speaker 2: which we used to pay rent. We're not homeowners yet,

363
00:15:30,360 --> 00:15:33,320
Speaker 2: so our rent is a little pricey.

364
00:15:33,400 --> 00:15:36,280
Speaker 4: Like Miami rent three thousand dollars a month, so a

365
00:15:36,320 --> 00:15:38,520
Speaker 4: little bit upwards from that. In New York as well,

366
00:15:38,640 --> 00:15:41,200
Speaker 4: rent was pretty pricey, but we have we pay less

367
00:15:41,240 --> 00:15:42,840
Speaker 4: rent now. In Miami, but it's still a lot. So

368
00:15:42,960 --> 00:15:45,280
Speaker 4: we put it on the Built card every month. There's

369
00:15:45,360 --> 00:15:47,280
Speaker 4: no fee for it because they create like a bank

370
00:15:47,320 --> 00:15:49,680
Speaker 4: account through the credit card portal, so you use the

371
00:15:49,760 --> 00:15:51,760
Speaker 4: bank account to pay your rent instead of a credit card,

372
00:15:51,800 --> 00:15:54,080
Speaker 4: so you don't pay fees, and then all of those

373
00:15:54,720 --> 00:15:56,920
Speaker 4: points you get. And so we're already at like eighty

374
00:15:56,960 --> 00:15:59,240
Speaker 4: thousand points just from paying rent with the Built card.

375
00:15:59,520 --> 00:16:01,840
Speaker 4: So that's two freaked flights that we already have just

376
00:16:01,880 --> 00:16:03,280
Speaker 4: waiting for us in the Built portal.

377
00:16:03,640 --> 00:16:05,440
Speaker 2: So it's like, okay, those two have been.

378
00:16:05,440 --> 00:16:07,240
Speaker 1: We talked about that. We were like when we first

379
00:16:07,280 --> 00:16:09,040
Speaker 1: started talking about the bill or when you first brought

380
00:16:09,080 --> 00:16:11,680
Speaker 1: it up originally, we were both thinking like how long

381
00:16:11,720 --> 00:16:14,120
Speaker 1: are they going to keep this up for? Like or

382
00:16:14,160 --> 00:16:15,360
Speaker 1: were they gonna make money?

383
00:16:16,200 --> 00:16:19,720
Speaker 2: Milk it while you can milk it, while right, milk

384
00:16:19,760 --> 00:16:20,360
Speaker 2: it while you can't.

385
00:16:21,520 --> 00:16:24,240
Speaker 4: I think a lot of banks refuse, I was gonna say,

386
00:16:24,240 --> 00:16:25,640
Speaker 4: I think a lot of banks refuse to work with them.

387
00:16:25,680 --> 00:16:27,160
Speaker 2: The only bank that they got to like take the

388
00:16:27,200 --> 00:16:29,040
Speaker 2: deal was Wells Fargo, which says a lot.

389
00:16:29,160 --> 00:16:35,000
Speaker 3: So oh well they are, Yeah, trash truly a good

390
00:16:35,040 --> 00:16:36,560
Speaker 3: tool I've been using too. If you're like, look at

391
00:16:36,560 --> 00:16:39,320
Speaker 3: all these credit cards. It's a site called travel Freely.

392
00:16:40,040 --> 00:16:41,720
Speaker 3: And what they do they let you put it. You

393
00:16:41,720 --> 00:16:42,920
Speaker 3: don't have to like log it, you have to give

394
00:16:42,920 --> 00:16:44,840
Speaker 3: them any your counterformation. You just say what card you

395
00:16:44,920 --> 00:16:46,280
Speaker 3: have and when you sign up, and what it does.

396
00:16:46,360 --> 00:16:49,440
Speaker 3: It'll track the time you have until you're to get

397
00:16:49,520 --> 00:16:51,440
Speaker 3: like the spending limit, so you can get your bonus,

398
00:16:51,480 --> 00:16:54,880
Speaker 3: and then often also attracts your annual fees. It'll notify

399
00:16:54,960 --> 00:16:56,920
Speaker 3: even the annual fees coming up and then lets you

400
00:16:56,960 --> 00:16:59,360
Speaker 3: know what other cards you're eligible for for so like

401
00:16:59,440 --> 00:17:00,680
Speaker 3: it is like the you know, the Chase has a

402
00:17:00,760 --> 00:17:02,760
Speaker 3: five twenty four rule, all these different restrictions on how

403
00:17:02,800 --> 00:17:04,720
Speaker 3: often you can apply. It also keeps track of that

404
00:17:04,840 --> 00:17:06,840
Speaker 3: for you. So it's a free tool. It's really cool

405
00:17:06,840 --> 00:17:08,600
Speaker 3: because they get paid through like if you ever want

406
00:17:08,600 --> 00:17:09,879
Speaker 3: to sign up for a card and you click one

407
00:17:09,920 --> 00:17:12,159
Speaker 3: of their links, that's how they make money. So they

408
00:17:12,240 --> 00:17:13,320
Speaker 3: make the tool itself.

409
00:17:13,160 --> 00:17:13,639
Speaker 1: Free to use.

410
00:17:14,080 --> 00:17:15,879
Speaker 2: You just put me on because I hadn't heard of that,

411
00:17:16,160 --> 00:17:17,680
Speaker 2: and I Trouble.

412
00:17:17,359 --> 00:17:20,399
Speaker 1: Freely Okay, I hadn't heard of that either. To the

413
00:17:20,480 --> 00:17:26,080
Speaker 1: points cut, I know, are those all the cards they

414
00:17:26,119 --> 00:17:27,480
Speaker 1: all use anymore? That you want to share.

415
00:17:28,359 --> 00:17:30,359
Speaker 3: What else? I've tried some of the hotel ones, but

416
00:17:30,480 --> 00:17:33,639
Speaker 3: I often find that they're not the point values are

417
00:17:33,760 --> 00:17:36,399
Speaker 3: really high, Like it takes like so many points to

418
00:17:36,480 --> 00:17:38,159
Speaker 3: book a hotel room. But the one I want to

419
00:17:38,200 --> 00:17:41,040
Speaker 3: try next, I think is Hyatt just because they have

420
00:17:41,200 --> 00:17:43,080
Speaker 3: really they don't give you as big a bonus when

421
00:17:43,080 --> 00:17:46,119
Speaker 3: you sign up, but it takes so many fewer points

422
00:17:46,320 --> 00:17:47,760
Speaker 3: to book a hotel like you can get a nice

423
00:17:47,800 --> 00:17:51,080
Speaker 3: high hotel fight. Yes, No, I think it's double is

424
00:17:51,080 --> 00:17:52,160
Speaker 3: Double Tree the cookie people?

425
00:17:52,440 --> 00:17:55,399
Speaker 1: Oh you're right? Why did I think? No?

426
00:17:55,840 --> 00:17:57,840
Speaker 2: Hiatt is a little bougi er than a Double Tree.

427
00:17:58,280 --> 00:17:59,359
Speaker 3: Yeah, except for.

428
00:18:04,680 --> 00:18:05,320
Speaker 1: They're warm.

429
00:18:06,040 --> 00:18:07,080
Speaker 2: Classy is one word.

430
00:18:09,160 --> 00:18:11,159
Speaker 4: But you can use Chase points and transferred over to

431
00:18:11,240 --> 00:18:14,040
Speaker 4: Hyatt because when we were in Japan, we we paid

432
00:18:14,080 --> 00:18:17,000
Speaker 4: nothing to stay at the Higat Kyoto. We just used

433
00:18:17,000 --> 00:18:20,720
Speaker 4: the Chase portal to book it with the Chase and

434
00:18:20,840 --> 00:18:22,640
Speaker 4: it was pretty a good It was a really good rate,

435
00:18:22,680 --> 00:18:24,560
Speaker 4: a good transfer deal.

436
00:18:27,560 --> 00:18:29,879
Speaker 1: I haven't heard y'all. Well, y'all don't have children, but

437
00:18:30,040 --> 00:18:34,000
Speaker 1: now I have a household. The Blue Cash Preferred or

438
00:18:34,160 --> 00:18:38,240
Speaker 1: the yeah, the AMX Blue Cash what is it? Yeah

439
00:18:38,760 --> 00:18:43,040
Speaker 1: card Preferred Credit card. That's been my jam for years

440
00:18:43,080 --> 00:18:44,879
Speaker 1: since I moved to the Birds, basically because of that

441
00:18:44,960 --> 00:18:48,040
Speaker 1: six percent cash back on groceries. The only thing though,

442
00:18:48,119 --> 00:18:50,960
Speaker 1: is I'm finally spending so much on groceries that I

443
00:18:51,359 --> 00:18:54,640
Speaker 1: easily max out the benefit. So they give you six

444
00:18:54,720 --> 00:18:58,520
Speaker 1: percent cash back up to six thousand dollars per year. Babe.

445
00:18:58,760 --> 00:19:02,720
Speaker 1: That's like I'm hitting that max by six months in

446
00:19:02,960 --> 00:19:06,960
Speaker 1: pretty much. I mean easily. Y'all know what diapers cost.

447
00:19:08,840 --> 00:19:12,960
Speaker 1: I needs start finding the potty real quick. But it's

448
00:19:13,080 --> 00:19:16,560
Speaker 1: just it's nuts, and it's that US supermarket, so it's

449
00:19:16,600 --> 00:19:18,320
Speaker 1: not like sometimes it's not the big box or like

450
00:19:18,400 --> 00:19:21,640
Speaker 1: the wholesale stores like Costco and stuff. You get six

451
00:19:21,680 --> 00:19:24,320
Speaker 1: percent cash back on groceries and I didn't even know that.

452
00:19:24,480 --> 00:19:29,280
Speaker 1: I get six percent on Select streaming subscriptions, three percent

453
00:19:29,400 --> 00:19:32,719
Speaker 1: back on transit, three percent back on gas. So it's

454
00:19:32,760 --> 00:19:34,399
Speaker 1: not bad as a gas card either, which is what

455
00:19:34,480 --> 00:19:35,520
Speaker 1: when we had a gas card we.

456
00:19:35,640 --> 00:19:35,960
Speaker 3: Use it for.

457
00:19:37,240 --> 00:19:40,720
Speaker 1: But that's my go to for grocery shopping. The Chase

458
00:19:40,760 --> 00:19:44,640
Speaker 1: Sapphire Reserve is my go to for anytime I'm ordering out,

459
00:19:45,200 --> 00:19:49,800
Speaker 1: anytime I'm like buying entertainment, travel or food. That's my

460
00:19:50,600 --> 00:19:54,200
Speaker 1: my Chase card and we didn't mention business credit cards.

461
00:19:54,240 --> 00:19:58,520
Speaker 1: But for business credit first, I had the Capital one Spark,

462
00:19:58,680 --> 00:20:01,160
Speaker 1: which is two percent is it two percent cash back

463
00:20:01,200 --> 00:20:03,080
Speaker 1: or one point five percent cash back? It's one of

464
00:20:03,119 --> 00:20:06,800
Speaker 1: those check for you. Oh, I love this fact check

465
00:20:06,840 --> 00:20:10,920
Speaker 1: on the go, get it for me. Thank you give

466
00:20:10,920 --> 00:20:14,600
Speaker 1: me the numbers on that, Christopher. So the Capitol one

467
00:20:14,720 --> 00:20:17,120
Speaker 1: Spark is the one that I use when I first

468
00:20:17,200 --> 00:20:20,480
Speaker 1: opened my business and needed a business credit card. But

469
00:20:20,600 --> 00:20:23,840
Speaker 1: then I joined the blue Vine bank account. So blue

470
00:20:23,880 --> 00:20:26,800
Speaker 1: Vine is an online only you do have blue Vine.

471
00:20:26,840 --> 00:20:28,200
Speaker 1: It was great. It was like hard to get in

472
00:20:28,320 --> 00:20:30,399
Speaker 1: in the beginning because you had there was like a

473
00:20:30,480 --> 00:20:32,800
Speaker 1: wait list. They weren't taking new clients all the time.

474
00:20:33,400 --> 00:20:36,679
Speaker 1: But I love blue Vine as an online only business

475
00:20:36,840 --> 00:20:40,040
Speaker 1: bank account. It is so easy to use. It's like

476
00:20:40,160 --> 00:20:42,800
Speaker 1: if you love some of my favorite tools as a

477
00:20:42,840 --> 00:20:46,200
Speaker 1: business owner. The ease of use, the user experience like Stripe,

478
00:20:47,240 --> 00:20:49,520
Speaker 1: I like a lot. Blue Vine is as seamless like

479
00:20:49,600 --> 00:20:52,359
Speaker 1: I can just like you can transfer money pretty easily.

480
00:20:53,000 --> 00:20:56,160
Speaker 1: Now I'm able to pay people directly through my blue

481
00:20:56,200 --> 00:20:58,359
Speaker 1: Vine account, so I don't have to pay you know,

482
00:20:58,560 --> 00:21:00,920
Speaker 1: fees that I may pay their ways are, you know,

483
00:21:01,000 --> 00:21:04,280
Speaker 1: paying through other portals. But they have a business credit

484
00:21:04,359 --> 00:21:07,280
Speaker 1: card now, so I signed up for that business credit

485
00:21:07,359 --> 00:21:09,720
Speaker 1: card now that it's all in one place.

486
00:21:09,880 --> 00:21:13,760
Speaker 4: So unfortunately for I did not know Blue Vine had

487
00:21:13,800 --> 00:21:16,680
Speaker 4: a business card. My I do use them for banking

488
00:21:16,760 --> 00:21:19,159
Speaker 4: for my business banking. But my business credit card is

489
00:21:19,280 --> 00:21:20,440
Speaker 4: the AMEX.

490
00:21:21,520 --> 00:21:25,120
Speaker 2: The which one is it? Let me check that because

491
00:21:25,119 --> 00:21:27,920
Speaker 2: I don't know the AMEX Business Cash.

492
00:21:29,359 --> 00:21:31,440
Speaker 1: On AMX Business Cash. You know, we didn't even mention

493
00:21:31,600 --> 00:21:36,880
Speaker 1: the Chase Sapphire. The business card is also getting an upgrade.

494
00:21:36,920 --> 00:21:39,200
Speaker 1: But I don't use Chase soft Fire for my business.

495
00:21:39,280 --> 00:21:41,080
Speaker 4: Yeah, I don't use the Chase software for business. But

496
00:21:41,119 --> 00:21:43,639
Speaker 4: I'm gonna check the blue Vine business card because I

497
00:21:43,640 --> 00:21:45,840
Speaker 4: didn't even know they had one. Y'all are putting me

498
00:21:45,920 --> 00:21:49,199
Speaker 4: on today. I got, I got travel Freely, I got

499
00:21:49,280 --> 00:21:51,240
Speaker 4: the blue Vine business card.

500
00:21:51,240 --> 00:21:51,760
Speaker 1: I gotta check.

501
00:21:51,760 --> 00:21:53,359
Speaker 2: I gotta look into I'm into this.

502
00:21:53,800 --> 00:21:55,560
Speaker 1: So blue Vine Business, did you find out what the

503
00:21:55,600 --> 00:22:00,359
Speaker 1: capital one cash back is? Chris? It's two percent? Okay,

504
00:22:00,400 --> 00:22:02,680
Speaker 1: so blue mine slightly less. It's one point five percent

505
00:22:02,800 --> 00:22:07,159
Speaker 1: cash back. But there's no annual fee, which is always

506
00:22:07,600 --> 00:22:09,080
Speaker 1: what I well, it's what I was looking at as

507
00:22:09,080 --> 00:22:11,119
Speaker 1: a business owner. I don't My business expenses are not

508
00:22:11,359 --> 00:22:12,960
Speaker 1: so so high that I'm going to be making a

509
00:22:13,040 --> 00:22:17,080
Speaker 1: ton of money on to like justify a high annual fee.

510
00:22:17,200 --> 00:22:20,080
Speaker 1: So for now, we're humble and we had the Blue

511
00:22:20,119 --> 00:22:22,400
Speaker 1: Vine Business credit card.

512
00:22:22,520 --> 00:22:24,520
Speaker 3: I'll take a Bluevine even know they existed.

513
00:22:24,359 --> 00:22:26,560
Speaker 1: Capital Ones Park because of that two percent is also

514
00:22:26,640 --> 00:22:31,159
Speaker 1: a great option. Heyba fam, We're going to take a

515
00:22:31,240 --> 00:22:36,600
Speaker 1: quick break, pay some bills, and we'll be right back. Well,

516
00:22:36,640 --> 00:22:39,040
Speaker 1: that was our credit card. I'm going to make that

517
00:22:39,119 --> 00:22:41,199
Speaker 1: my whole episode for Friday. This is gonna be credit card.

518
00:22:41,320 --> 00:22:42,960
Speaker 4: Seriously, I feel like a lot of people need a

519
00:22:43,040 --> 00:22:45,119
Speaker 4: quick update, especially with all this content I see on

520
00:22:45,160 --> 00:22:47,280
Speaker 4: social media now of like people are freaking out about

521
00:22:47,280 --> 00:22:48,720
Speaker 4: the prices going up with these cards.

522
00:22:48,760 --> 00:22:50,560
Speaker 2: But the reality is you got to look at the

523
00:22:50,960 --> 00:22:53,919
Speaker 2: like truly do the math. Don't just like respond to.

524
00:22:54,000 --> 00:22:56,520
Speaker 4: The price increase without looking at the holistic picture of

525
00:22:56,560 --> 00:22:57,720
Speaker 4: what you get. And if you're not going to be

526
00:22:57,760 --> 00:22:59,680
Speaker 4: able to get value from it, then just don't have it.

527
00:22:59,720 --> 00:23:01,000
Speaker 4: Nobody's forcing you to have it.

528
00:23:01,119 --> 00:23:02,920
Speaker 2: But I think there are a lot of perks that

529
00:23:03,040 --> 00:23:04,200
Speaker 2: make it worth it for sure.

530
00:23:04,640 --> 00:23:09,040
Speaker 1: Yeah I think so too, But please use credit cards responsibly,

531
00:23:09,240 --> 00:23:16,640
Speaker 1: very wisely, wisely all right BAFM. Well yeah, and thanks

532
00:23:16,720 --> 00:23:19,960
Speaker 1: Chris andan Nellie for the credit card. The credit card knowledge.

533
00:23:19,960 --> 00:23:22,080
Speaker 1: I want to know from y'all for this summer for

534
00:23:22,200 --> 00:23:25,560
Speaker 1: Hot Girl Hot Guy summer, what are you using to travel?

535
00:23:25,720 --> 00:23:27,560
Speaker 1: Are you going to sign up for the Chase Reserve card?

536
00:23:28,200 --> 00:23:33,360
Speaker 1: Let us know? Okay, va Fam, thank you so much

537
00:23:33,400 --> 00:23:35,800
Speaker 1: for listening to this week's show. I want to shout

538
00:23:35,840 --> 00:23:40,239
Speaker 1: out to our production team, Courtney, our editor, Carla, our

539
00:23:40,320 --> 00:23:44,159
Speaker 1: fearless leader for idea to launch productions. I want to

540
00:23:44,200 --> 00:23:48,840
Speaker 1: shout out my assistant Lauda Escalante and Cameron McNair for

541
00:23:48,960 --> 00:23:51,520
Speaker 1: helping me put the show together. It is not a

542
00:23:51,800 --> 00:23:54,920
Speaker 1: one person project, as much as I have tried to

543
00:23:55,040 --> 00:23:58,280
Speaker 1: make it so these past ten years. I need help, y'all,

544
00:23:58,800 --> 00:24:01,000
Speaker 1: and thank goodness I've been able to put this team

545
00:24:01,160 --> 00:24:04,280
Speaker 1: around me to support me on this journey. And to y'all,

546
00:24:04,320 --> 00:24:07,040
Speaker 1: ba Fam, I love you so so so so much.

547
00:24:07,760 --> 00:24:10,240
Speaker 1: Please rate, review, subscribe, make sure you signed up to

548
00:24:10,320 --> 00:24:13,880
Speaker 1: the newsletter to get all the latest updates on upcoming episodes,

549
00:24:14,000 --> 00:24:19,120
Speaker 1: our ten year anniversary celebrations to come, and until next time,

550
00:24:19,520 --> 00:24:20,920
Speaker 1: talk to you soon via buye