WEBVTT - Chase Brings Back the 100K Point Bonus + Credit Cards That Pay You to Shop [BA QA] 0:00:00.080 --> 0:00:03.000 Chase Reserve car came out, this new list of perks, 0:00:03.040 --> 0:00:05.360 and somewhere in there is a streaming perk. I think 0:00:05.360 --> 0:00:09.520 it's Apple TV. Are y'all Chase Reserve cardholders did y'all 0:00:09.560 --> 0:00:12.520 fall for the lore, the lore and the appeal like 0:00:12.560 --> 0:00:15.440 the This was a moment, the Chase Reserve launching in 0:00:15.440 --> 0:00:17.040 twenty seventeen, sixteen. 0:00:17.160 --> 0:00:18.440 Oh, huge moment. 0:00:18.600 --> 0:00:21.560 Yeah, it was one hundred thousand dollars. Sorry, one hundred 0:00:21.600 --> 0:00:22.200 thousand points. 0:00:22.480 --> 0:00:24.320 I didn't see that. 0:00:24.760 --> 0:00:26.640 Wait, I didn't get that perk. How do I get 0:00:26.680 --> 0:00:34.640 that one? But it's very annoying. 0:00:34.680 --> 0:00:36.320 I was tempted to pay the one hundred and forty 0:00:36.360 --> 0:00:38.320 dollars for the yearly premium on Peacock because I was 0:00:38.320 --> 0:00:40.400 tired of getting ads every But. 0:00:40.360 --> 0:00:42.360 I'm not doing it, y'all, I'm not doing those ads. 0:00:42.360 --> 0:00:44.839 Hold on, Chris, don't ruin it. She's giving me a segue, Baybay, 0:00:45.360 --> 0:00:45.960 a segue. 0:00:46.600 --> 0:00:47.919 Take the segway, girl, take it. 0:00:48.280 --> 0:00:53.240 Speaking of the cost of streaming apps, Chase Reserve came 0:00:53.280 --> 0:00:58.120 out with a brand new Chase Reserve car came out 0:00:58.200 --> 0:01:00.880 this new list of perks, and somewhere in there is 0:01:00.920 --> 0:01:04.919 a streaming perk. I think it's Apple TV, Apple Apple 0:01:04.920 --> 0:01:08.399 And do have I, madam? I already have it up 0:01:08.480 --> 0:01:11.120 to the points guy dot com. Have y'all are y'all 0:01:11.200 --> 0:01:14.199 Chase Reserve card holders? Did y'all fall for the lore? 0:01:14.640 --> 0:01:17.720 The lore and the appeal like the this was a moment, 0:01:17.959 --> 0:01:20.880 the Chase Reserve launching in twenty seventeen, sixteen. 0:01:21.000 --> 0:01:22.319 Oh, huge moment. 0:01:22.440 --> 0:01:25.440 Yeah, it was one hundred thousand dollars. Sorry, one hundred 0:01:25.440 --> 0:01:26.000 thousand points. 0:01:26.400 --> 0:01:28.120 I didn't see that. 0:01:28.600 --> 0:01:30.520 Wait, I didn't get that perk. How do I get 0:01:30.520 --> 0:01:31.080 that one? 0:01:31.680 --> 0:01:34.120 That's how I pay for my honeymoon. That's how I 0:01:34.160 --> 0:01:35.760 know the date so well. I'm like it was the 0:01:35.800 --> 0:01:38.520 fall of twenty sixteen because I got the card and 0:01:38.520 --> 0:01:40.280 then we used the points to get our honeymoon. We 0:01:40.319 --> 0:01:45.040 got married twenty seventeen. But as a Chase Reserve customer, 0:01:45.160 --> 0:01:48.280 the perks have gotten, especially the sign on perks, have 0:01:48.400 --> 0:01:49.400 gotten kind of stale. 0:01:49.840 --> 0:01:52.040 They're so stale they would never hit that again. The 0:01:52.080 --> 0:01:53.960 one hundred thousand, I have not seen it to that 0:01:54.080 --> 0:01:56.440 level yet. And even now girl, with this streaming perk. 0:01:56.480 --> 0:01:58.760 The streaming perk is one hundred and twenty dollars annual 0:01:58.760 --> 0:02:01.880 credit for eligible streaming services. Hey, that's cute, that's cute, 0:02:01.920 --> 0:02:04.720 But like, how are you gonna get to the point 0:02:04.720 --> 0:02:07.360 where the forty eight month the forty eight month rule 0:02:07.480 --> 0:02:09.840 was everything for people who like to turn credit cards. 0:02:10.160 --> 0:02:12.720 And now it's a one you get a once per 0:02:12.800 --> 0:02:15.919 lifetime benefit for sign up bonus and you cannot get 0:02:15.919 --> 0:02:17.800 it again and again. And that was the thing that 0:02:17.840 --> 0:02:20.240 people were using and abusing and it's over. 0:02:20.560 --> 0:02:21.239 It's over now. 0:02:21.440 --> 0:02:23.480 Yeah. Is that just with Chase or is it with 0:02:23.560 --> 0:02:25.160 all card card companies? 0:02:25.160 --> 0:02:29.440 They've all the ones that they have are the Chase 0:02:29.440 --> 0:02:32.400 Sapphire and the other one of the Reserve. Both of 0:02:32.440 --> 0:02:35.959 those now you have one time welcome bonus and is 0:02:36.040 --> 0:02:37.600 much harder to earn it and you can't get it 0:02:37.639 --> 0:02:38.160 more than once. 0:02:38.760 --> 0:02:40.760 Well, I was about to hold a gun to my 0:02:40.919 --> 0:02:44.280 husband's head. I mean I was about to ask kindly 0:02:44.360 --> 0:02:47.919 for my husband to sign up for the Reserve because 0:02:47.960 --> 0:02:49.720 I had signed up for it back then. It's been 0:02:49.760 --> 0:02:52.280 almost ten years. We were too cheap to ever do. 0:02:52.520 --> 0:02:55.480 They wouldn't let you add a joint cardholder for free. 0:02:55.520 --> 0:02:57.320 It was like you had to do two cards. 0:02:57.320 --> 0:02:59.359 You had to do two cards, and he never got one. 0:02:59.360 --> 0:03:01.280 And I'm like, oh he can get one. 0:03:01.919 --> 0:03:04.440 Yeah, with your link with your AFRO, like that's what 0:03:04.440 --> 0:03:04.760 we did. 0:03:04.919 --> 0:03:08.160 Well. They're bringing back the one hundred thousand point bonus though, 0:03:09.840 --> 0:03:10.760 if you've ever had. 0:03:10.560 --> 0:03:13.160 It right so your so your husband can qualify for that. Yes, 0:03:13.200 --> 0:03:14.160 definitely get him to. 0:03:14.120 --> 0:03:15.960 Jump on that, which is like what's his is mine 0:03:16.280 --> 0:03:18.520 and I will be point, especially. 0:03:18.160 --> 0:03:20.000 When it comes to trial, especially when it comes to travel. 0:03:20.320 --> 0:03:23.880 Yes, but and they've also increased the Chase travel credit, 0:03:23.919 --> 0:03:26.960 which it was three hundred now it's five hundred dollars 0:03:27.560 --> 0:03:30.160 when you spend five thousand on the first But does 0:03:30.200 --> 0:03:33.200 do those benefits carry on to a current customer? Do 0:03:33.280 --> 0:03:35.960 I get the five hundred dollars travel credit now because 0:03:36.000 --> 0:03:39.080 every year I get three hundred dollars of travel. 0:03:38.760 --> 0:03:41.080 Because I think I think so because your annual fee 0:03:41.120 --> 0:03:42.280 is going up to next year. 0:03:42.920 --> 0:03:47.760 I was going to get to the bad part, you know. 0:03:47.920 --> 0:03:50.960 Three from what I from what I'm seeing, the three 0:03:51.000 --> 0:03:53.040 hundred dollars travel credit on the Chase, that fire reserve 0:03:53.080 --> 0:03:54.640 does not carry over from year to year? 0:03:55.040 --> 0:03:58.320 Oh anymore because it definitely has. 0:03:58.240 --> 0:04:01.000 Right what I it doesn't ext it's a user or 0:04:01.000 --> 0:04:02.320 lose it thing like you don't get to watch. 0:04:02.600 --> 0:04:05.000 Yeah, you don't stack, Yeah, but I would always I mean, 0:04:05.040 --> 0:04:07.120 I wouldn't even think about it. I would just be like, 0:04:07.200 --> 0:04:10.480 oh that's nice because I'd buy Ubers, or it would 0:04:10.520 --> 0:04:12.680 be for a lot of different things. Cabs, Metro North. 0:04:14.400 --> 0:04:16.280 All right, well let me break down some of the perks. 0:04:16.360 --> 0:04:18.520 We've done. The one hundred thousand this is for new 0:04:18.680 --> 0:04:22.880 new members. But Chase has been like promoting this big 0:04:22.920 --> 0:04:26.240 announcement for weeks now. There were these big billboards, really 0:04:26.279 --> 0:04:29.480 awkward ones, with a model holding a giant Chase credit 0:04:29.560 --> 0:04:31.600 card on the Metro North and I'm just like, this 0:04:31.640 --> 0:04:33.680 is the stupidest marketing I've ever seen. But it was. 0:04:33.800 --> 0:04:37.359 It was put together in a rush, but for the like, 0:04:37.440 --> 0:04:39.320 for the pomp and circumstance of it, and like how 0:04:39.360 --> 0:04:41.560 excited they've all been. I don't know that the perks 0:04:41.600 --> 0:04:44.200 and the fact that yes, the fee now is going 0:04:44.320 --> 0:04:48.960 up to seven hundred and what seven ninety five, seven 0:04:49.040 --> 0:04:50.320 ninety five dollars. 0:04:50.360 --> 0:04:51.800 Basically I'm mad with that. 0:04:51.960 --> 0:04:54.000 Just just say it's eight hundred, because I thought. 0:04:53.839 --> 0:04:56.039 I just take the other five dollars in you know. 0:04:56.080 --> 0:04:59.320 Psychology works, it's under eight hundred. It's under eight hundred. 0:05:00.160 --> 0:05:02.720 I hate it. Five hundred and fifty I think is 0:05:02.760 --> 0:05:05.159 what it has been. I don't even know if it's 0:05:05.279 --> 0:05:08.680 worth me keeping the card. I might just let Husby 0:05:09.080 --> 0:05:10.760 get the card and just get rid of mine. 0:05:11.200 --> 0:05:14.640 I mean, ask yourself, is it worth sixty six dollars 0:05:14.680 --> 0:05:16.799 a month? Because that's really what it comes down to, right, 0:05:17.400 --> 0:05:18.520 sixty six dollars a month. 0:05:20.000 --> 0:05:21.960 Yeah, that's at the end of the day. Most people 0:05:21.960 --> 0:05:23.800 they look at seven ninety five, they look at five fifty. 0:05:23.800 --> 0:05:25.680 They go, that's insane because you're looking at all at once. 0:05:25.720 --> 0:05:28.720 But if you're going to benefit in sixty six dollars 0:05:28.800 --> 0:05:31.040 of value per month at least, then it's worth it. 0:05:31.760 --> 0:05:32.480 And it's worth it. 0:05:32.800 --> 0:05:36.080 Well, let's see eight X points on all this is 0:05:36.120 --> 0:05:37.720 the and now they have a business, will make sure 0:05:37.720 --> 0:05:39.760 I have the right one up eight They say, you 0:05:39.800 --> 0:05:44.160 get twenty seven hundred dollars in annual value. But let's 0:05:44.200 --> 0:05:46.479 see it looks like eight X points on all travel 0:05:46.600 --> 0:05:51.160 purchases made through Chase Travel, four X points on flights 0:05:51.400 --> 0:05:53.280 that are booked direct through Chase. I think it used 0:05:53.279 --> 0:05:55.880 to be three x four X points on hotels, three 0:05:55.960 --> 0:05:59.400 X points on dining. That was that's that standard. Oh, 0:05:59.480 --> 0:06:01.760 so the five one hundred dollars that's a promo credit. 0:06:02.360 --> 0:06:04.400 Yeah, it's a one time thing, a one time thing. 0:06:04.480 --> 0:06:07.600 So then they're keeping the three hundred annual travel credit. 0:06:08.839 --> 0:06:11.760 You're getting a five hundred dollars credit for stays booked 0:06:11.839 --> 0:06:14.160 using the edit, which I actually haven't used. I didn't 0:06:14.160 --> 0:06:16.560 realize that was something that they had. It's like a hotel. 0:06:16.760 --> 0:06:19.360 Those are I believe they're expensive hotels though, so it's 0:06:19.360 --> 0:06:21.840 like you're not getting like that five hundred credit, which 0:06:21.880 --> 0:06:24.039 is two hundred fifty dollars each, is not all at once. 0:06:24.880 --> 0:06:28.320 It's only taking a fraction off of those hotel prices. 0:06:28.880 --> 0:06:31.320 They have dash Pass membership for one hundred and twenty 0:06:31.360 --> 0:06:35.359 dollars and three hundred dollars and door Dash promos. I 0:06:35.360 --> 0:06:38.520 already use dash Pass membership. I do think I get 0:06:38.560 --> 0:06:39.279 my money's worth. 0:06:39.760 --> 0:06:41.960 And they also have restaurant credits too, Like I travel 0:06:42.040 --> 0:06:44.280 so much for work that like sometimes I just want 0:06:44.320 --> 0:06:46.880 to instead of paying six seventeen. 0:06:46.560 --> 0:06:49.440 Dollars for a bottle of water at the airport. 0:06:49.040 --> 0:06:51.760 Convenience, now I will step into the lounge real quick, 0:06:51.800 --> 0:06:54.279 have a whole meal, get what all of that stuff 0:06:54.279 --> 0:06:56.919 that I need right for with a benefit with my 0:06:57.000 --> 0:06:59.880 card and if not, with lounge access, because I know 0:06:59.880 --> 0:07:02.480 that the prefer doesn't have lounge access, but the reserve does. 0:07:02.800 --> 0:07:04.600 But sometimes you get a little perk to get lounge 0:07:04.600 --> 0:07:05.839 access with the preferred. 0:07:05.960 --> 0:07:08.000 But we even forget you the game card, my Priority 0:07:08.000 --> 0:07:08.599 pass card. 0:07:08.880 --> 0:07:13.720 You gotta have that. Put it on your phone. 0:07:13.760 --> 0:07:18.760 I have it on my wallet, on mynallet yep. Do it. 0:07:18.920 --> 0:07:21.360 And not only that, but if you don't end up 0:07:21.360 --> 0:07:23.720 seeing a lounge anywhere nearby, you still get restaurant credits. 0:07:23.720 --> 0:07:25.679 Twenty thirty bucks goes a long way at the airport, 0:07:25.680 --> 0:07:27.080 so you don't have to constantly be spending money. 0:07:27.080 --> 0:07:27.800 So I think the. 0:07:27.720 --> 0:07:30.200 Problem is so many people got it and they don't 0:07:30.720 --> 0:07:35.680 like they don't actually travel enough to get the benefit. 0:07:35.920 --> 0:07:38.360 Be real with yourself. You might have the idea of the. 0:07:38.320 --> 0:07:41.280 Goal to we've done. Had it on my phone, y'all. 0:07:41.120 --> 0:07:43.400 Girl, get that. You better get that QR code off 0:07:43.400 --> 0:07:43.760 the screen. 0:07:44.360 --> 0:07:45.240 Did you tell. 0:07:48.200 --> 0:07:50.320 Snap shot snapshot real snaps everyone? 0:07:50.520 --> 0:07:53.680 Damn no, girl, Did you really get denied because you 0:07:53.720 --> 0:07:55.040 thought you didn't have your Priority pass and it was 0:07:55.080 --> 0:07:55.520 on your phone? 0:07:55.840 --> 0:07:57.920 I forget you know, I don't even bother to I'm 0:07:58.040 --> 0:07:59.880 usually so late to the airport. I don't have to. 0:08:00.040 --> 0:08:03.440 I'm see for me. 0:08:03.480 --> 0:08:05.360 It's the layovers. If I ever have a layover, I'd 0:08:05.400 --> 0:08:05.760 be like, all. 0:08:05.720 --> 0:08:08.400 Right, I'm not gone. It would have been nice. And 0:08:08.520 --> 0:08:11.080 oh when we were going to London, my friend was like, 0:08:11.120 --> 0:08:12.680 don't you have priority pass? I was like, yeah, I 0:08:12.680 --> 0:08:16.280 don't have the card with me. I forgot it and 0:08:16.360 --> 0:08:20.400 JFK is JKS earlier. 0:08:20.680 --> 0:08:23.400 That's GUARDI earlier because they hooked that thing up. Guardia 0:08:23.480 --> 0:08:24.400 looks really nice. 0:08:24.440 --> 0:08:27.720 Now. Guardias is so nice, nice, so nice organized that 0:08:27.880 --> 0:08:29.600 I had to I went to the airport for nothing 0:08:29.640 --> 0:08:31.280 because my flight ended up being canceled. I went and 0:08:31.320 --> 0:08:33.679 got me a nice burrito. I did a little bit 0:08:33.720 --> 0:08:37.240 of shopping and I was like, huh oh, cut. 0:08:37.280 --> 0:08:39.720 That water fountain that looks like a Balacchio in Vegas. 0:08:39.840 --> 0:08:40.719 They did. They did that. 0:08:41.280 --> 0:08:43.000 I mean, there was a lot of taxpayer dollars, but 0:08:43.280 --> 0:08:44.560 but it's very pretty. 0:08:44.720 --> 0:08:47.360 So we'll give you that stub Hub credit. I just 0:08:47.480 --> 0:08:50.440 bought three hundred dollars stub Hub credit, so you can 0:08:50.480 --> 0:08:53.200 get up to one hundred and fifty dollars in statement 0:08:53.280 --> 0:08:57.959 credits two times per year through January through June and 0:08:58.040 --> 0:09:02.120 then again from June to Decimer. So god, I just bought. 0:09:02.960 --> 0:09:05.600 I mean, I'm not it's like super I'm pretty proud 0:09:05.640 --> 0:09:07.640 of it. I don't care. I bought another take to 0:09:07.720 --> 0:09:08.720 see Beyonce in Atlanta. 0:09:08.840 --> 0:09:10.160 I know you were gonna say that. 0:09:10.800 --> 0:09:14.640 You can say away because. 0:09:14.400 --> 0:09:23.280 Listen, Linda, listen back to visit my dad anyway, I 0:09:23.320 --> 0:09:25.800 have a work trip coming up. You know Dad's going 0:09:25.840 --> 0:09:27.600 to be alone. I was like, I volunteer a tribute. 0:09:27.800 --> 0:09:32.800 I'll come, I'll come, pick me, pick me immediately because 0:09:32.840 --> 0:09:35.199 she was overlaps with her dates in Atlanta. But I 0:09:35.800 --> 0:09:37.640 need to see her with my people, like I need 0:09:37.760 --> 0:09:41.040 to be surrounded by Atlanta's And I got the best deal, 0:09:41.280 --> 0:09:44.640 Like I have incredible I have an incredible seats. I 0:09:44.679 --> 0:09:47.120 have an incredible seat. I'm taking myself, me myself, and 0:09:47.200 --> 0:09:52.200 I like dead center front row of the first section 0:09:52.360 --> 0:09:55.960 that has a seat. And it was like five hundred 0:09:56.000 --> 0:09:56.840 bucks and. 0:09:56.920 --> 0:09:58.199 You could have got it for two hundred with the 0:09:58.240 --> 0:09:58.920 three hundred. 0:09:59.360 --> 0:10:01.600 But stop, I'm gonna activate this ship. 0:10:01.640 --> 0:10:04.760 They better get well hold up. You only go get 0:10:04.800 --> 0:10:08.079 one hundred and fifty now credit because it's always per 0:10:08.200 --> 0:10:08.920 half the year. 0:10:09.840 --> 0:10:12.960 Better than but honey, it's a discount. We take those. 0:10:13.160 --> 0:10:15.880 So basically that, oh, this would be one hundred and 0:10:15.880 --> 0:10:17.199 fifty for the last half of the year. I was 0:10:17.240 --> 0:10:18.520 going to say, we I'll get another ticket. 0:10:20.080 --> 0:10:22.280 No, no, no, you can't activate it twenty Yeah, you 0:10:22.360 --> 0:10:25.679 know exactly. It's worth five doubles that if I get two, 0:10:25.760 --> 0:10:27.240 then it's work all right. 0:10:27.400 --> 0:10:29.520 Then they can Chase pay me for all his promotion. 0:10:29.640 --> 0:10:32.200 They got two hundred and fifty dollars worth of Apple 0:10:32.280 --> 0:10:35.600 benefits Apple TV plus they got one hundred and twenty 0:10:35.600 --> 0:10:39.040 dollars in lift credits something about Peloton. Go check it out, 0:10:39.120 --> 0:10:41.040 y'all can go to check credit cards dot Chase dot com. 0:10:41.800 --> 0:10:44.680 Yeah uh, and don't get it if you can't afford 0:10:44.800 --> 0:10:48.080 that incredibly high fee and all safety. 0:10:47.760 --> 0:10:51.640 Six dollars a month, but it's paid once, all at once. 0:10:51.679 --> 0:10:54.560 Seven ninety five gets taken from your account in January, 0:10:54.679 --> 0:10:57.199 so just be very aware that you have to pay 0:10:57.240 --> 0:10:59.760 that all up front, but spreading it out sixty six 0:10:59.760 --> 0:11:01.560 per year. Don't be paying interest on the credit If 0:11:01.600 --> 0:11:04.360 you're paying interest on your credit card, stay away, stay away, 0:11:04.600 --> 0:11:05.600 graduate up to interest. 0:11:06.840 --> 0:11:08.480 I paid some interest this year, y'all. 0:11:09.240 --> 0:11:09.640 Don't do it. 0:11:09.640 --> 0:11:13.679 It's truly it does. It does, and also be like, 0:11:13.720 --> 0:11:15.240 oh I should use this card. I'm like, girl, you 0:11:15.280 --> 0:11:18.120 know you're gonna pay interest on it. No, I'm gonna 0:11:18.160 --> 0:11:19.719 get back to the payoff in full, y'all. I'ming to 0:11:19.720 --> 0:11:21.280 get back. It's been a weird year. When you hear 0:11:21.360 --> 0:11:23.839 that guy that's sixty eight dollars a barrel like costs 0:11:23.840 --> 0:11:29.920 her high. Hey, ba fam, we gonna take a quick break, 0:11:30.160 --> 0:11:32.920 pay some bills, and we'll be right back. All right, 0:11:32.960 --> 0:11:35.320 ba fam, We're back. But what else is in what's 0:11:35.360 --> 0:11:38.040 in your wallet? What else are y'all using and loving? 0:11:39.200 --> 0:11:41.040 Because it feels like, maybe for the first time in 0:11:41.080 --> 0:11:43.960 a while, cards are like AMX is supposed to answer 0:11:44.480 --> 0:11:49.120 the Chase reserve updates sometime soon, it's imminent. But I'm 0:11:49.200 --> 0:11:50.640 curious what else y'all are using. 0:11:52.480 --> 0:11:56.160 I've been running with the Capital One venture X for 0:11:56.200 --> 0:11:58.800 a little bit because of the lounge access and they 0:11:58.880 --> 0:12:01.520 give you that three hundred dollar annual credit, so those 0:12:01.559 --> 0:12:04.120 together pretty much cover the annual feed for me. I 0:12:04.160 --> 0:12:05.319 think it was something else I get with them, and 0:12:05.360 --> 0:12:07.319 I'm like, okay, yeah, it feels worthwhile. But the lounge 0:12:07.320 --> 0:12:09.679 access is because how much does it cost I think 0:12:09.760 --> 0:12:14.800 it is three ninety five, so reasonable. Yeah, it's not bad. 0:12:15.120 --> 0:12:17.600 It could be changing. Everybody's changing. There is now get 0:12:17.640 --> 0:12:21.679 access to so I get a's priority passed, and then 0:12:21.760 --> 0:12:24.679 there's another series of like international lounges you get. But 0:12:24.720 --> 0:12:26.160 it's a little bit because I only had the Chase. 0:12:26.200 --> 0:12:27.240 You know, I'm not big time. Like the two of 0:12:27.280 --> 0:12:29.160 you don't have the reserve. I had the Chase preferred, 0:12:29.520 --> 0:12:31.599 so that one you really don't get into anything with 0:12:31.720 --> 0:12:32.000 that one. 0:12:32.120 --> 0:12:34.400 That's the point you need the reserve, the reserve. 0:12:35.160 --> 0:12:37.800 But the with the Capitol one, there's actually a really 0:12:37.840 --> 0:12:40.160 nice lounge just open up inn SFO that I use 0:12:40.240 --> 0:12:42.240 and has like you know, it's clean, new, they got 0:12:42.400 --> 0:12:44.560 good food, they got a good space to relax, they 0:12:44.640 --> 0:12:47.000 got showers and bathrooms all that stuff. So for me, 0:12:47.080 --> 0:12:48.960 it was like, okay, this is perfect because that's the airport. 0:12:49.000 --> 0:12:50.839 I'm either then or Oakland. And there's even a lounge 0:12:50.840 --> 0:12:53.520 in Oakland that I can can get into as well. 0:12:53.640 --> 0:12:55.160 So it's like, you know, that's what I'm going with 0:12:55.240 --> 0:12:56.880 now that in Southwest because that's when I get like 0:12:56.960 --> 0:13:00.240 the you get four seed upgrades on it and you 0:13:00.360 --> 0:13:02.920 get seventy five hundred points a year and then you 0:13:03.040 --> 0:13:05.079 get a I think it's one hundred and fifty, No, 0:13:05.240 --> 0:13:07.559 seventy five dollars credit, and the annual fees is like 0:13:07.559 --> 0:13:09.320 one hundred and fifty. So all that together is worth more. 0:13:09.360 --> 0:13:11.600 Because I just upgraded my seat because my flight got canceled. 0:13:11.840 --> 0:13:14.280 It would have cost me ninety one dollars it was free, 0:13:14.440 --> 0:13:17.439 So I'm like, already right there, I did already already. 0:13:17.559 --> 0:13:18.920 Just that one thing made it worth it. 0:13:19.679 --> 0:13:22.120 Yeah, I don't fly Southwest as much, but that sounds 0:13:22.320 --> 0:13:23.680 like it's definitely worth it if. 0:13:23.520 --> 0:13:24.600 You fly Southwest a lot. 0:13:25.640 --> 0:13:28.080 But although there are changing things, they're doing assigned seats 0:13:28.120 --> 0:13:29.480 and they're getting rid of the free bags. 0:13:29.840 --> 0:13:30.439 I don't like that. 0:13:30.960 --> 0:13:33.240 If you know, I don't know. 0:13:33.400 --> 0:13:35.800 I've flown. I flew Southwest a couple times last year 0:13:35.800 --> 0:13:36.960 and it just was stressful. 0:13:37.720 --> 0:13:40.160 Yeah, I don't like them finding seats. I don't like that. 0:13:40.240 --> 0:13:41.520 I need to know where I'm sitting. 0:13:41.400 --> 0:13:44.000 Like what, yeah it is, But the thing is like 0:13:44.200 --> 0:13:45.920 for me, I always eat the leg room and I 0:13:45.960 --> 0:13:47.679 don't have to pay extra sit in the exit row 0:13:47.679 --> 0:13:50.040 at least I didn't have to, so I'm like it's perfect. 0:13:50.040 --> 0:13:51.640 I pay the same price to everybody else. And if 0:13:51.640 --> 0:13:53.080 I get if I check in earlier, if I can 0:13:53.120 --> 0:13:55.000 get to that exit row, if not, but if other flights, 0:13:55.040 --> 0:13:56.839 I pay extra one hundred dollars to sit over there. 0:13:57.240 --> 0:13:58.520 That's true, That's very true. 0:13:58.559 --> 0:14:01.360 But I probably will soon or a lid for every pot. 0:14:03.040 --> 0:14:03.920 A lid for every part. 0:14:04.400 --> 0:14:07.240 All right, So Capital one X I've. 0:14:07.120 --> 0:14:09.199 Been using two one is the we just got this 0:14:09.360 --> 0:14:12.400 year for the first time, the American the American Express, 0:14:12.440 --> 0:14:15.040 the Platinum card, which is it's a big one. 0:14:15.080 --> 0:14:16.080 It's six hundred and ninety five. 0:14:16.080 --> 0:14:16.600 That was a year. 0:14:17.280 --> 0:14:19.880 But is that the one that's on par with the 0:14:20.000 --> 0:14:23.400 Preserve or the Reserve Chase Reserve so their pars are 0:14:23.440 --> 0:14:24.360 going to be going up? 0:14:24.720 --> 0:14:25.680 Yeah, oh for sure. 0:14:25.840 --> 0:14:28.200 And the ones that we signed up for was you 0:14:28.240 --> 0:14:30.760 spend eight in the first three months and you get 0:14:30.840 --> 0:14:32.720 oh no, first six months, so it was actually even 0:14:32.760 --> 0:14:34.160 more time to spend the eight thousand, but you get 0:14:34.160 --> 0:14:36.920 one hundred and seventy five thousand points, which was one 0:14:37.120 --> 0:14:41.720 amazing five. Yeah, so we've been we've been using it. 0:14:41.840 --> 0:14:44.120 We went for Jamil's birthday which was Moral Day week 0:14:44.160 --> 0:14:47.000 and May twenty fifth, we went to Hawaii for two weeks. 0:14:47.840 --> 0:14:50.160 Almost didn't really spend much on the travel stuff. 0:14:50.160 --> 0:14:52.840 So I feel like if you are strategic with the car, 0:14:52.960 --> 0:14:54.560 if you get the points and stuff and you're using 0:14:54.600 --> 0:14:57.840 it correctly, and if y'all don't know and you're like, wait, 0:14:57.920 --> 0:14:59.800 I'm sleeping on this, there's a lot of content creators 0:14:59.800 --> 0:15:02.120 that focus on points and miles that you know, are 0:15:02.200 --> 0:15:04.760 really really great. Like I learned so much from some 0:15:04.880 --> 0:15:07.000 of them, because even I was very basic when it 0:15:07.040 --> 0:15:08.960 comes to credit card Like I just was like, I just. 0:15:09.080 --> 0:15:10.960 Got these three or four cards that I need. 0:15:11.360 --> 0:15:13.480 I keep the annual fees pretty low and only a 0:15:13.560 --> 0:15:15.160 few like two years ago to now is that I 0:15:15.200 --> 0:15:17.760 started getting in the game with more strategic cards. So 0:15:17.880 --> 0:15:19.760 the second one, besides the Amex one, which has like 0:15:19.800 --> 0:15:22.000 a bunch of credits, it definitely makes it's worth the 0:15:22.480 --> 0:15:23.840 six ninety five fee for sure. 0:15:24.560 --> 0:15:27.320 But the other one is the built rewards credit card, 0:15:27.400 --> 0:15:30.160 which we used to pay rent. We're not homeowners yet, 0:15:30.360 --> 0:15:33.320 so our rent is a little pricey. 0:15:33.400 --> 0:15:36.280 Like Miami rent three thousand dollars a month, so a 0:15:36.320 --> 0:15:38.520 little bit upwards from that. In New York as well, 0:15:38.640 --> 0:15:41.200 rent was pretty pricey, but we have we pay less 0:15:41.240 --> 0:15:42.840 rent now. In Miami, but it's still a lot. So 0:15:42.960 --> 0:15:45.280 we put it on the Built card every month. There's 0:15:45.360 --> 0:15:47.280 no fee for it because they create like a bank 0:15:47.320 --> 0:15:49.680 account through the credit card portal, so you use the 0:15:49.760 --> 0:15:51.760 bank account to pay your rent instead of a credit card, 0:15:51.800 --> 0:15:54.080 so you don't pay fees, and then all of those 0:15:54.720 --> 0:15:56.920 points you get. And so we're already at like eighty 0:15:56.960 --> 0:15:59.240 thousand points just from paying rent with the Built card. 0:15:59.520 --> 0:16:01.840 So that's two freaked flights that we already have just 0:16:01.880 --> 0:16:03.280 waiting for us in the Built portal. 0:16:03.640 --> 0:16:05.440 So it's like, okay, those two have been. 0:16:05.440 --> 0:16:07.240 We talked about that. We were like when we first 0:16:07.280 --> 0:16:09.040 started talking about the bill or when you first brought 0:16:09.080 --> 0:16:11.680 it up originally, we were both thinking like how long 0:16:11.720 --> 0:16:14.120 are they going to keep this up for? Like or 0:16:14.160 --> 0:16:15.360 were they gonna make money? 0:16:16.200 --> 0:16:19.720 Milk it while you can milk it, while right, milk 0:16:19.760 --> 0:16:20.360 it while you can't. 0:16:21.520 --> 0:16:24.240 I think a lot of banks refuse, I was gonna say, 0:16:24.240 --> 0:16:25.640 I think a lot of banks refuse to work with them. 0:16:25.680 --> 0:16:27.160 The only bank that they got to like take the 0:16:27.200 --> 0:16:29.040 deal was Wells Fargo, which says a lot. 0:16:29.160 --> 0:16:35.000 So oh well they are, Yeah, trash truly a good 0:16:35.040 --> 0:16:36.560 tool I've been using too. If you're like, look at 0:16:36.560 --> 0:16:39.320 all these credit cards. It's a site called travel Freely. 0:16:40.040 --> 0:16:41.720 And what they do they let you put it. You 0:16:41.720 --> 0:16:42.920 don't have to like log it, you have to give 0:16:42.920 --> 0:16:44.840 them any your counterformation. You just say what card you 0:16:44.920 --> 0:16:46.280 have and when you sign up, and what it does. 0:16:46.360 --> 0:16:49.440 It'll track the time you have until you're to get 0:16:49.520 --> 0:16:51.440 like the spending limit, so you can get your bonus, 0:16:51.480 --> 0:16:54.880 and then often also attracts your annual fees. It'll notify 0:16:54.960 --> 0:16:56.920 even the annual fees coming up and then lets you 0:16:56.960 --> 0:16:59.360 know what other cards you're eligible for for so like 0:16:59.440 --> 0:17:00.680