Speaker 1: Chase Reserve car came out, this new list of perks,
Speaker 1: and somewhere in there is a streaming perk. I think
Speaker 1: it's Apple TV. Are y'all Chase Reserve cardholders did y'all
Speaker 1: fall for the lore, the lore and the appeal like
Speaker 1: the This was a moment, the Chase Reserve launching in
Speaker 1: twenty seventeen, sixteen.
Speaker 2: Oh, huge moment.
Speaker 1: Yeah, it was one hundred thousand dollars. Sorry, one hundred
Speaker 1: thousand points.
Speaker 3: I didn't see that.
Speaker 2: Wait, I didn't get that perk. How do I get
Speaker 2: that one? But it's very annoying.
Speaker 4: I was tempted to pay the one hundred and forty
Speaker 4: dollars for the yearly premium on Peacock because I was
Speaker 4: tired of getting ads every But.
Speaker 2: I'm not doing it, y'all, I'm not doing those ads.
Speaker 1: Hold on, Chris, don't ruin it. She's giving me a segue, Baybay,
Speaker 1: a segue.
Speaker 2: Take the segway, girl, take it.
Speaker 1: Speaking of the cost of streaming apps, Chase Reserve came
Speaker 1: out with a brand new Chase Reserve car came out
Speaker 1: this new list of perks, and somewhere in there is
Speaker 1: a streaming perk. I think it's Apple TV, Apple Apple
Speaker 1: And do have I, madam? I already have it up
Speaker 1: to the points guy dot com. Have y'all are y'all
Speaker 1: Chase Reserve card holders? Did y'all fall for the lore?
Speaker 1: The lore and the appeal like the this was a moment,
Speaker 1: the Chase Reserve launching in twenty seventeen, sixteen.
Speaker 2: Oh, huge moment.
Speaker 1: Yeah, it was one hundred thousand dollars. Sorry, one hundred
Speaker 1: thousand points.
Speaker 3: I didn't see that.
Speaker 2: Wait, I didn't get that perk. How do I get
Speaker 2: that one?
Speaker 1: That's how I pay for my honeymoon. That's how I
Speaker 1: know the date so well. I'm like it was the
Speaker 1: fall of twenty sixteen because I got the card and
Speaker 1: then we used the points to get our honeymoon. We
Speaker 1: got married twenty seventeen. But as a Chase Reserve customer,
Speaker 1: the perks have gotten, especially the sign on perks, have
Speaker 1: gotten kind of stale.
Speaker 4: They're so stale they would never hit that again. The
Speaker 4: one hundred thousand, I have not seen it to that
Speaker 4: level yet. And even now girl, with this streaming perk.
Speaker 4: The streaming perk is one hundred and twenty dollars annual
Speaker 4: credit for eligible streaming services. Hey, that's cute, that's cute,
Speaker 4: But like, how are you gonna get to the point
Speaker 4: where the forty eight month the forty eight month rule
Speaker 4: was everything for people who like to turn credit cards.
Speaker 4: And now it's a one you get a once per
Speaker 4: lifetime benefit for sign up bonus and you cannot get
Speaker 4: it again and again. And that was the thing that
Speaker 4: people were using and abusing and it's over.
Speaker 2: It's over now.
Speaker 1: Yeah. Is that just with Chase or is it with
Speaker 1: all card card companies?
Speaker 4: They've all the ones that they have are the Chase
Speaker 4: Sapphire and the other one of the Reserve. Both of
Speaker 4: those now you have one time welcome bonus and is
Speaker 4: much harder to earn it and you can't get it
Speaker 4: more than once.
Speaker 1: Well, I was about to hold a gun to my
Speaker 1: husband's head. I mean I was about to ask kindly
Speaker 1: for my husband to sign up for the Reserve because
Speaker 1: I had signed up for it back then. It's been
Speaker 1: almost ten years. We were too cheap to ever do.
Speaker 1: They wouldn't let you add a joint cardholder for free.
Speaker 2: It was like you had to do two cards.
Speaker 1: You had to do two cards, and he never got one.
Speaker 1: And I'm like, oh he can get one.
Speaker 2: Yeah, with your link with your AFRO, like that's what
Speaker 2: we did.
Speaker 1: Well. They're bringing back the one hundred thousand point bonus though,
Speaker 1: if you've ever had.
Speaker 4: It right so your so your husband can qualify for that. Yes,
Speaker 4: definitely get him to.
Speaker 1: Jump on that, which is like what's his is mine
Speaker 1: and I will be point, especially.
Speaker 2: When it comes to trial, especially when it comes to travel.
Speaker 1: Yes, but and they've also increased the Chase travel credit,
Speaker 1: which it was three hundred now it's five hundred dollars
Speaker 1: when you spend five thousand on the first But does
Speaker 1: do those benefits carry on to a current customer? Do
Speaker 1: I get the five hundred dollars travel credit now because
Speaker 1: every year I get three hundred dollars of travel.
Speaker 3: Because I think I think so because your annual fee
Speaker 3: is going up to next year.
Speaker 1: I was going to get to the bad part, you know.
Speaker 4: Three from what I from what I'm seeing, the three
Speaker 4: hundred dollars travel credit on the Chase, that fire reserve
Speaker 4: does not carry over from year to year?
Speaker 1: Oh anymore because it definitely has.
Speaker 3: Right what I it doesn't ext it's a user or
Speaker 3: lose it thing like you don't get to watch.
Speaker 1: Yeah, you don't stack, Yeah, but I would always I mean,
Speaker 1: I wouldn't even think about it. I would just be like,
Speaker 1: oh that's nice because I'd buy Ubers, or it would
Speaker 1: be for a lot of different things. Cabs, Metro North.
Speaker 1: All right, well let me break down some of the perks.
Speaker 1: We've done. The one hundred thousand this is for new
Speaker 1: new members. But Chase has been like promoting this big
Speaker 1: announcement for weeks now. There were these big billboards, really
Speaker 1: awkward ones, with a model holding a giant Chase credit
Speaker 1: card on the Metro North and I'm just like, this
Speaker 1: is the stupidest marketing I've ever seen. But it was.
Speaker 1: It was put together in a rush, but for the like,
Speaker 1: for the pomp and circumstance of it, and like how
Speaker 1: excited they've all been. I don't know that the perks
Speaker 1: and the fact that yes, the fee now is going
Speaker 1: up to seven hundred and what seven ninety five, seven
Speaker 1: ninety five dollars.
Speaker 3: Basically I'm mad with that.
Speaker 1: Just just say it's eight hundred, because I thought.
Speaker 3: I just take the other five dollars in you know.
Speaker 2: Psychology works, it's under eight hundred. It's under eight hundred.
Speaker 1: I hate it. Five hundred and fifty I think is
Speaker 1: what it has been. I don't even know if it's
Speaker 1: worth me keeping the card. I might just let Husby
Speaker 1: get the card and just get rid of mine.
Speaker 4: I mean, ask yourself, is it worth sixty six dollars
Speaker 4: a month? Because that's really what it comes down to, right,
Speaker 4: sixty six dollars a month.
Speaker 2: Yeah, that's at the end of the day. Most people
Speaker 2: they look at seven ninety five, they look at five fifty.
Speaker 2: They go, that's insane because you're looking at all at once.
Speaker 4: But if you're going to benefit in sixty six dollars
Speaker 4: of value per month at least, then it's worth it.
Speaker 2: And it's worth it.
Speaker 1: Well, let's see eight X points on all this is
Speaker 1: the and now they have a business, will make sure
Speaker 1: I have the right one up eight They say, you
Speaker 1: get twenty seven hundred dollars in annual value. But let's
Speaker 1: see it looks like eight X points on all travel
Speaker 1: purchases made through Chase Travel, four X points on flights
Speaker 1: that are booked direct through Chase. I think it used
Speaker 1: to be three x four X points on hotels, three
Speaker 1: X points on dining. That was that's that standard. Oh,
Speaker 1: so the five one hundred dollars that's a promo credit.
Speaker 3: Yeah, it's a one time thing, a one time thing.
Speaker 1: So then they're keeping the three hundred annual travel credit.
Speaker 1: You're getting a five hundred dollars credit for stays booked
Speaker 1: using the edit, which I actually haven't used. I didn't
Speaker 1: realize that was something that they had. It's like a hotel.
Speaker 3: Those are I believe they're expensive hotels though, so it's
Speaker 3: like you're not getting like that five hundred credit, which
Speaker 3: is two hundred fifty dollars each, is not all at once.
Speaker 3: It's only taking a fraction off of those hotel prices.
Speaker 1: They have dash Pass membership for one hundred and twenty
Speaker 1: dollars and three hundred dollars and door Dash promos. I
Speaker 1: already use dash Pass membership. I do think I get
Speaker 1: my money's worth.
Speaker 4: And they also have restaurant credits too, Like I travel
Speaker 4: so much for work that like sometimes I just want
Speaker 4: to instead of paying six seventeen.
Speaker 2: Dollars for a bottle of water at the airport.
Speaker 4: Convenience, now I will step into the lounge real quick,
Speaker 4: have a whole meal, get what all of that stuff
Speaker 4: that I need right for with a benefit with my
Speaker 4: card and if not, with lounge access, because I know
Speaker 4: that the prefer doesn't have lounge access, but the reserve does.
Speaker 4: But sometimes you get a little perk to get lounge
Speaker 4: access with the preferred.
Speaker 1: But we even forget you the game card, my Priority
Speaker 1: pass card.
Speaker 2: You gotta have that. Put it on your phone.
Speaker 4: I have it on my wallet, on mynallet yep. Do it.
Speaker 4: And not only that, but if you don't end up
Speaker 4: seeing a lounge anywhere nearby, you still get restaurant credits.
Speaker 4: Twenty thirty bucks goes a long way at the airport,
Speaker 4: so you don't have to constantly be spending money.
Speaker 2: So I think the.
Speaker 4: Problem is so many people got it and they don't
Speaker 4: like they don't actually travel enough to get the benefit.
Speaker 2: Be real with yourself. You might have the idea of the.
Speaker 1: Goal to we've done. Had it on my phone, y'all.
Speaker 3: Girl, get that. You better get that QR code off
Speaker 3: the screen.
Speaker 1: Did you tell.
Speaker 2: Snap shot snapshot real snaps everyone?
Speaker 4: Damn no, girl, Did you really get denied because you
Speaker 4: thought you didn't have your Priority pass and it was
Speaker 4: on your phone?
Speaker 1: I forget you know, I don't even bother to I'm
Speaker 1: usually so late to the airport. I don't have to.
Speaker 1: I'm see for me.
Speaker 2: It's the layovers. If I ever have a layover, I'd
Speaker 2: be like, all.
Speaker 1: Right, I'm not gone. It would have been nice. And
Speaker 1: oh when we were going to London, my friend was like,
Speaker 1: don't you have priority pass? I was like, yeah, I
Speaker 1: don't have the card with me. I forgot it and
Speaker 1: JFK is JKS earlier.
Speaker 2: That's GUARDI earlier because they hooked that thing up. Guardia
Speaker 2: looks really nice.
Speaker 1: Now. Guardias is so nice, nice, so nice organized that
Speaker 1: I had to I went to the airport for nothing
Speaker 1: because my flight ended up being canceled. I went and
Speaker 1: got me a nice burrito. I did a little bit
Speaker 1: of shopping and I was like, huh oh, cut.
Speaker 2: That water fountain that looks like a Balacchio in Vegas.
Speaker 1: They did. They did that.
Speaker 2: I mean, there was a lot of taxpayer dollars, but
Speaker 2: but it's very pretty.
Speaker 1: So we'll give you that stub Hub credit. I just
Speaker 1: bought three hundred dollars stub Hub credit, so you can
Speaker 1: get up to one hundred and fifty dollars in statement
Speaker 1: credits two times per year through January through June and
Speaker 1: then again from June to Decimer. So god, I just bought.
Speaker 1: I mean, I'm not it's like super I'm pretty proud
Speaker 1: of it. I don't care. I bought another take to
Speaker 1: see Beyonce in Atlanta.
Speaker 2: I know you were gonna say that.
Speaker 3: You can say away because.
Speaker 1: Listen, Linda, listen back to visit my dad anyway, I
Speaker 1: have a work trip coming up. You know Dad's going
Speaker 1: to be alone. I was like, I volunteer a tribute.
Speaker 1: I'll come, I'll come, pick me, pick me immediately because
Speaker 1: she was overlaps with her dates in Atlanta. But I
Speaker 1: need to see her with my people, like I need
Speaker 1: to be surrounded by Atlanta's And I got the best deal,
Speaker 1: Like I have incredible I have an incredible seats. I
Speaker 1: have an incredible seat. I'm taking myself, me myself, and
Speaker 1: I like dead center front row of the first section
Speaker 1: that has a seat. And it was like five hundred
Speaker 1: bucks and.
Speaker 2: You could have got it for two hundred with the
Speaker 2: three hundred.
Speaker 1: But stop, I'm gonna activate this ship.
Speaker 3: They better get well hold up. You only go get
Speaker 3: one hundred and fifty now credit because it's always per
Speaker 3: half the year.
Speaker 2: Better than but honey, it's a discount. We take those.
Speaker 1: So basically that, oh, this would be one hundred and
Speaker 1: fifty for the last half of the year. I was
Speaker 1: going to say, we I'll get another ticket.
Speaker 2: No, no, no, you can't activate it twenty Yeah, you
Speaker 2: know exactly. It's worth five doubles that if I get two,
Speaker 2: then it's work all right.
Speaker 1: Then they can Chase pay me for all his promotion.
Speaker 1: They got two hundred and fifty dollars worth of Apple
Speaker 1: benefits Apple TV plus they got one hundred and twenty
Speaker 1: dollars in lift credits something about Peloton. Go check it out,
Speaker 1: y'all can go to check credit cards dot Chase dot com.
Speaker 1: Yeah uh, and don't get it if you can't afford
Speaker 1: that incredibly high fee and all safety.
Speaker 4: Six dollars a month, but it's paid once, all at once.
Speaker 4: Seven ninety five gets taken from your account in January,
Speaker 4: so just be very aware that you have to pay
Speaker 4: that all up front, but spreading it out sixty six
Speaker 4: per year. Don't be paying interest on the credit If
Speaker 4: you're paying interest on your credit card, stay away, stay away,
Speaker 4: graduate up to interest.
Speaker 1: I paid some interest this year, y'all.
Speaker 4: Don't do it.
Speaker 1: It's truly it does. It does, and also be like,
Speaker 1: oh I should use this card. I'm like, girl, you
Speaker 1: know you're gonna pay interest on it. No, I'm gonna
Speaker 1: get back to the payoff in full, y'all. I'ming to
Speaker 1: get back. It's been a weird year. When you hear
Speaker 1: that guy that's sixty eight dollars a barrel like costs
Speaker 1: her high. Hey, ba fam, we gonna take a quick break,
Speaker 1: pay some bills, and we'll be right back. All right,
Speaker 1: ba fam, We're back. But what else is in what's
Speaker 1: in your wallet? What else are y'all using and loving?
Speaker 1: Because it feels like, maybe for the first time in
Speaker 1: a while, cards are like AMX is supposed to answer
Speaker 1: the Chase reserve updates sometime soon, it's imminent. But I'm
Speaker 1: curious what else y'all are using.
Speaker 3: I've been running with the Capital One venture X for
Speaker 3: a little bit because of the lounge access and they
Speaker 3: give you that three hundred dollar annual credit, so those
Speaker 3: together pretty much cover the annual feed for me. I
Speaker 3: think it was something else I get with them, and
Speaker 3: I'm like, okay, yeah, it feels worthwhile. But the lounge
Speaker 3: access is because how much does it cost I think
Speaker 3: it is three ninety five, so reasonable. Yeah, it's not bad.
Speaker 3: It could be changing. Everybody's changing. There is now get
Speaker 3: access to so I get a's priority passed, and then
Speaker 3: there's another series of like international lounges you get. But
Speaker 3: it's a little bit because I only had the Chase.
Speaker 3: You know, I'm not big time. Like the two of
Speaker 3: you don't have the reserve. I had the Chase preferred,
Speaker 3: so that one you really don't get into anything with
Speaker 3: that one.
Speaker 2: That's the point you need the reserve, the reserve.
Speaker 3: But the with the Capitol one, there's actually a really
Speaker 3: nice lounge just open up inn SFO that I use
Speaker 3: and has like you know, it's clean, new, they got
Speaker 3: good food, they got a good space to relax, they
Speaker 3: got showers and bathrooms all that stuff. So for me,
Speaker 3: it was like, okay, this is perfect because that's the airport.
Speaker 3: I'm either then or Oakland. And there's even a lounge
Speaker 3: in Oakland that I can can get into as well.
Speaker 3: So it's like, you know, that's what I'm going with
Speaker 3: now that in Southwest because that's when I get like
Speaker 3: the you get four seed upgrades on it and you
Speaker 3: get seventy five hundred points a year and then you
Speaker 3: get a I think it's one hundred and fifty, No,
Speaker 3: seventy five dollars credit, and the annual fees is like
Speaker 3: one hundred and fifty. So all that together is worth more.
Speaker 3: Because I just upgraded my seat because my flight got canceled.
Speaker 3: It would have cost me ninety one dollars it was free,
Speaker 3: So I'm like, already right there, I did already already.
Speaker 2: Just that one thing made it worth it.
Speaker 4: Yeah, I don't fly Southwest as much, but that sounds
Speaker 4: like it's definitely worth it if.
Speaker 2: You fly Southwest a lot.
Speaker 4: But although there are changing things, they're doing assigned seats
Speaker 4: and they're getting rid of the free bags.
Speaker 1: I don't like that.
Speaker 3: If you know, I don't know.
Speaker 1: I've flown. I flew Southwest a couple times last year
Speaker 1: and it just was stressful.
Speaker 2: Yeah, I don't like them finding seats. I don't like that.
Speaker 2: I need to know where I'm sitting.
Speaker 3: Like what, yeah it is, But the thing is like
Speaker 3: for me, I always eat the leg room and I
Speaker 3: don't have to pay extra sit in the exit row
Speaker 3: at least I didn't have to, so I'm like it's perfect.
Speaker 3: I pay the same price to everybody else. And if
Speaker 3: I get if I check in earlier, if I can
Speaker 3: get to that exit row, if not, but if other flights,
Speaker 3: I pay extra one hundred dollars to sit over there.
Speaker 2: That's true, That's very true.
Speaker 3: But I probably will soon or a lid for every pot.
Speaker 2: A lid for every part.
Speaker 1: All right, So Capital one X I've.
Speaker 4: Been using two one is the we just got this
Speaker 4: year for the first time, the American the American Express,
Speaker 4: the Platinum card, which is it's a big one.
Speaker 2: It's six hundred and ninety five.
Speaker 4: That was a year.
Speaker 1: But is that the one that's on par with the
Speaker 1: Preserve or the Reserve Chase Reserve so their pars are
Speaker 1: going to be going up?
Speaker 2: Yeah, oh for sure.
Speaker 4: And the ones that we signed up for was you
Speaker 4: spend eight in the first three months and you get
Speaker 4: oh no, first six months, so it was actually even
Speaker 4: more time to spend the eight thousand, but you get
Speaker 4: one hundred and seventy five thousand points, which was one
Speaker 4: amazing five. Yeah, so we've been we've been using it.
Speaker 4: We went for Jamil's birthday which was Moral Day week
Speaker 4: and May twenty fifth, we went to Hawaii for two weeks.
Speaker 2: Almost didn't really spend much on the travel stuff.
Speaker 4: So I feel like if you are strategic with the car,
Speaker 4: if you get the points and stuff and you're using
Speaker 4: it correctly, and if y'all don't know and you're like, wait,
Speaker 4: I'm sleeping on this, there's a lot of content creators
Speaker 4: that focus on points and miles that you know, are
Speaker 4: really really great. Like I learned so much from some
Speaker 4: of them, because even I was very basic when it
Speaker 4: comes to credit card Like I just was like, I just.
Speaker 2: Got these three or four cards that I need.
Speaker 4: I keep the annual fees pretty low and only a
Speaker 4: few like two years ago to now is that I
Speaker 4: started getting in the game with more strategic cards. So
Speaker 4: the second one, besides the Amex one, which has like
Speaker 4: a bunch of credits, it definitely makes it's worth the
Speaker 4: six ninety five fee for sure.
Speaker 2: But the other one is the built rewards credit card,
Speaker 2: which we used to pay rent. We're not homeowners yet,
Speaker 2: so our rent is a little pricey.
Speaker 4: Like Miami rent three thousand dollars a month, so a
Speaker 4: little bit upwards from that. In New York as well,
Speaker 4: rent was pretty pricey, but we have we pay less
Speaker 4: rent now. In Miami, but it's still a lot. So
Speaker 4: we put it on the Built card every month. There's
Speaker 4: no fee for it because they create like a bank
Speaker 4: account through the credit card portal, so you use the
Speaker 4: bank account to pay your rent instead of a credit card,
Speaker 4: so you don't pay fees, and then all of those
Speaker 4: points you get. And so we're already at like eighty
Speaker 4: thousand points just from paying rent with the Built card.
Speaker 4: So that's two freaked flights that we already have just
Speaker 4: waiting for us in the Built portal.
Speaker 2: So it's like, okay, those two have been.
Speaker 1: We talked about that. We were like when we first
Speaker 1: started talking about the bill or when you first brought
Speaker 1: it up originally, we were both thinking like how long
Speaker 1: are they going to keep this up for? Like or
Speaker 1: were they gonna make money?
Speaker 2: Milk it while you can milk it, while right, milk
Speaker 2: it while you can't.
Speaker 4: I think a lot of banks refuse, I was gonna say,
Speaker 4: I think a lot of banks refuse to work with them.
Speaker 2: The only bank that they got to like take the
Speaker 2: deal was Wells Fargo, which says a lot.
Speaker 3: So oh well they are, Yeah, trash truly a good
Speaker 3: tool I've been using too. If you're like, look at
Speaker 3: all these credit cards. It's a site called travel Freely.
Speaker 3: And what they do they let you put it. You
Speaker 3: don't have to like log it, you have to give
Speaker 3: them any your counterformation. You just say what card you
Speaker 3: have and when you sign up, and what it does.
Speaker 3: It'll track the time you have until you're to get
Speaker 3: like the spending limit, so you can get your bonus,
Speaker 3: and then often also attracts your annual fees. It'll notify
Speaker 3: even the annual fees coming up and then lets you
Speaker 3: know what other cards you're eligible for for so like
Speaker 3: it is like the you know, the Chase has a
Speaker 3: five twenty four rule, all these different restrictions on how
Speaker 3: often you can apply. It also keeps track of that
Speaker 3: for you. So it's a free tool. It's really cool
Speaker 3: because they get paid through like if you ever want
Speaker 3: to sign up for a card and you click one
Speaker 3: of their links, that's how they make money. So they
Speaker 3: make the tool itself.
Speaker 1: Free to use.
Speaker 2: You just put me on because I hadn't heard of that,
Speaker 2: and I Trouble.
Speaker 1: Freely Okay, I hadn't heard of that either. To the
Speaker 1: points cut, I know, are those all the cards they
Speaker 1: all use anymore? That you want to share.
Speaker 3: What else? I've tried some of the hotel ones, but
Speaker 3: I often find that they're not the point values are
Speaker 3: really high, Like it takes like so many points to
Speaker 3: book a hotel room. But the one I want to
Speaker 3: try next, I think is Hyatt just because they have
Speaker 3: really they don't give you as big a bonus when
Speaker 3: you sign up, but it takes so many fewer points
Speaker 3: to book a hotel like you can get a nice
Speaker 3: high hotel fight. Yes, No, I think it's double is
Speaker 3: Double Tree the cookie people?
Speaker 1: Oh you're right? Why did I think? No?
Speaker 2: Hiatt is a little bougi er than a Double Tree.
Speaker 3: Yeah, except for.
Speaker 1: They're warm.
Speaker 2: Classy is one word.
Speaker 4: But you can use Chase points and transferred over to
Speaker 4: Hyatt because when we were in Japan, we we paid
Speaker 4: nothing to stay at the Higat Kyoto. We just used
Speaker 4: the Chase portal to book it with the Chase and
Speaker 4: it was pretty a good It was a really good rate,
Speaker 4: a good transfer deal.
Speaker 1: I haven't heard y'all. Well, y'all don't have children, but
Speaker 1: now I have a household. The Blue Cash Preferred or
Speaker 1: the yeah, the AMX Blue Cash what is it? Yeah
Speaker 1: card Preferred Credit card. That's been my jam for years
Speaker 1: since I moved to the Birds, basically because of that
Speaker 1: six percent cash back on groceries. The only thing though,
Speaker 1: is I'm finally spending so much on groceries that I
Speaker 1: easily max out the benefit. So they give you six
Speaker 1: percent cash back up to six thousand dollars per year. Babe.
Speaker 1: That's like I'm hitting that max by six months in
Speaker 1: pretty much. I mean easily. Y'all know what diapers cost.
Speaker 1: I needs start finding the potty real quick. But it's
Speaker 1: just it's nuts, and it's that US supermarket, so it's
Speaker 1: not like sometimes it's not the big box or like
Speaker 1: the wholesale stores like Costco and stuff. You get six
Speaker 1: percent cash back on groceries and I didn't even know that.
Speaker 1: I get six percent on Select streaming subscriptions, three percent
Speaker 1: back on transit, three percent back on gas. So it's
Speaker 1: not bad as a gas card either, which is what
Speaker 1: when we had a gas card we.
Speaker 3: Use it for.
Speaker 1: But that's my go to for grocery shopping. The Chase
Speaker 1: Sapphire Reserve is my go to for anytime I'm ordering out,
Speaker 1: anytime I'm like buying entertainment, travel or food. That's my
Speaker 1: my Chase card and we didn't mention business credit cards.
Speaker 1: But for business credit first, I had the Capital one Spark,
Speaker 1: which is two percent is it two percent cash back
Speaker 1: or one point five percent cash back? It's one of
Speaker 1: those check for you. Oh, I love this fact check
Speaker 1: on the go, get it for me. Thank you give
Speaker 1: me the numbers on that, Christopher. So the Capitol one
Speaker 1: Spark is the one that I use when I first
Speaker 1: opened my business and needed a business credit card. But
Speaker 1: then I joined the blue Vine bank account. So blue
Speaker 1: Vine is an online only you do have blue Vine.
Speaker 1: It was great. It was like hard to get in
Speaker 1: in the beginning because you had there was like a
Speaker 1: wait list. They weren't taking new clients all the time.
Speaker 1: But I love blue Vine as an online only business
Speaker 1: bank account. It is so easy to use. It's like
Speaker 1: if you love some of my favorite tools as a
Speaker 1: business owner. The ease of use, the user experience like Stripe,
Speaker 1: I like a lot. Blue Vine is as seamless like
Speaker 1: I can just like you can transfer money pretty easily.
Speaker 1: Now I'm able to pay people directly through my blue
Speaker 1: Vine account, so I don't have to pay you know,
Speaker 1: fees that I may pay their ways are, you know,
Speaker 1: paying through other portals. But they have a business credit
Speaker 1: card now, so I signed up for that business credit
Speaker 1: card now that it's all in one place.
Speaker 4: So unfortunately for I did not know Blue Vine had
Speaker 4: a business card. My I do use them for banking
Speaker 4: for my business banking. But my business credit card is
Speaker 4: the AMEX.
Speaker 2: The which one is it? Let me check that because
Speaker 2: I don't know the AMEX Business Cash.
Speaker 1: On AMX Business Cash. You know, we didn't even mention
Speaker 1: the Chase Sapphire. The business card is also getting an upgrade.
Speaker 1: But I don't use Chase soft Fire for my business.
Speaker 4: Yeah, I don't use the Chase software for business. But
Speaker 4: I'm gonna check the blue Vine business card because I
Speaker 4: didn't even know they had one. Y'all are putting me
Speaker 4: on today. I got, I got travel Freely, I got
Speaker 4: the blue Vine business card.
Speaker 1: I gotta check.
Speaker 2: I gotta look into I'm into this.
Speaker 1: So blue Vine Business, did you find out what the
Speaker 1: capital one cash back is? Chris? It's two percent? Okay,
Speaker 1: so blue mine slightly less. It's one point five percent
Speaker 1: cash back. But there's no annual fee, which is always
Speaker 1: what I well, it's what I was looking at as
Speaker 1: a business owner. I don't My business expenses are not
Speaker 1: so so high that I'm going to be making a
Speaker 1: ton of money on to like justify a high annual fee.
Speaker 1: So for now, we're humble and we had the Blue
Speaker 1: Vine Business credit card.
Speaker 3: I'll take a Bluevine even know they existed.
Speaker 1: Capital Ones Park because of that two percent is also
Speaker 1: a great option. Heyba fam, We're going to take a
Speaker 1: quick break, pay some bills, and we'll be right back. Well,
Speaker 1: that was our credit card. I'm going to make that
Speaker 1: my whole episode for Friday. This is gonna be credit card.
Speaker 4: Seriously, I feel like a lot of people need a
Speaker 4: quick update, especially with all this content I see on
Speaker 4: social media now of like people are freaking out about
Speaker 4: the prices going up with these cards.
Speaker 2: But the reality is you got to look at the
Speaker 2: like truly do the math. Don't just like respond to.
Speaker 4: The price increase without looking at the holistic picture of
Speaker 4: what you get. And if you're not going to be
Speaker 4: able to get value from it, then just don't have it.
Speaker 4: Nobody's forcing you to have it.
Speaker 2: But I think there are a lot of perks that
Speaker 2: make it worth it for sure.
Speaker 1: Yeah I think so too, But please use credit cards responsibly,
Speaker 1: very wisely, wisely all right BAFM. Well yeah, and thanks
Speaker 1: Chris andan Nellie for the credit card. The credit card knowledge.
Speaker 1: I want to know from y'all for this summer for
Speaker 1: Hot Girl Hot Guy summer, what are you using to travel?
Speaker 1: Are you going to sign up for the Chase Reserve card?
Speaker 1: Let us know? Okay, va Fam, thank you so much
Speaker 1: for listening to this week's show. I want to shout
Speaker 1: out to our production team, Courtney, our editor, Carla, our
Speaker 1: fearless leader for idea to launch productions. I want to
Speaker 1: shout out my assistant Lauda Escalante and Cameron McNair for
Speaker 1: helping me put the show together. It is not a
Speaker 1: one person project, as much as I have tried to
Speaker 1: make it so these past ten years. I need help, y'all,
Speaker 1: and thank goodness I've been able to put this team
Speaker 1: around me to support me on this journey. And to y'all,
Speaker 1: ba Fam, I love you so so so so much.
Speaker 1: Please rate, review, subscribe, make sure you signed up to
Speaker 1: the newsletter to get all the latest updates on upcoming episodes,
Speaker 1: our ten year anniversary celebrations to come, and until next time,
Speaker 1: talk to you soon via buye