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Speaker 1: It's time for the b a q a A. The

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Speaker 1: b a q A What is b a q a

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Speaker 1: dude to be a q with to today? The b

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Speaker 1: a q a A. Mandy and I are trying to

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Speaker 1: zen out this book.

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Speaker 2: Got the memo.

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Speaker 1: Yeah, we're like.

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Speaker 2: The vibe is calm and yes.

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Speaker 1: Okay, So as you know for banda bitch in the

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Speaker 1: question to answer you have questions, we have answered that

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Speaker 1: you're supposed to run by your attorneys or financial planner,

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Speaker 1: financial advisor. That ain't us. This is purely entertainment. Okay,

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Speaker 1: So go see your grandma maybe your grandpa too, but

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Speaker 1: not us. But if you do have some questions you

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Speaker 1: like to be entertained with, then please go ahead on

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Speaker 1: over to Branna Vision podcast on IG, the BA podcast

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Speaker 1: on Twitter, Brandivision podcast at gmail dot com and Brannibision

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Speaker 1: podcast dot com. Contact us, Hey look at me. Twenty

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Speaker 1: thousand years later, your girl has the memory. If I

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Speaker 1: think I was, I saw you out, I saw your face.

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Speaker 1: I could see you're like this, she got it? She

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Speaker 1: got it?

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Speaker 2: No, no, no, no, no, my face. I was zoned out

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Speaker 2: so hard I stopped listening and replaying the part where

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Speaker 2: rock Sanne laughed at my joke.

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Speaker 1: We just had an amazing If you have not listened

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Speaker 1: to our episode prior to this, please do. It is

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Speaker 1: with the incomparable amazing badass Rock sand Gay aka Mandy's hero,

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Speaker 1: and so she's still recovering. So you know, because whena

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Speaker 1: here comes alone, come on with the straight the cay.

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Speaker 2: Annie, I'm gonna have to pay for your practice bill

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Speaker 2: because you have been carrying me through this last ninety minutes.

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Speaker 1: Now you slay please. Mandy did such a good job.

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Speaker 1: But yeah, listen to that EPI. So we're gonna take

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Speaker 1: a question. Do you want to read it? You want

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Speaker 1: me to read it? How you want this to good?

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Speaker 2: I'll read it. This is from two thousand. This is

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Speaker 2: ninety three, right number twenty ninety three? Okay, all right.

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Speaker 2: Whitney from email says, Hey, Mandy and Tiffany, I love

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Speaker 2: the podcast. I'm trying to catch up on all the

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Speaker 2: episodes in chronological order. Well, damn, when are you gonna

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Speaker 2: hear this one? Feel like if you can. If you

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Speaker 2: need timely information, don't send us a question. But anyway,

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Speaker 2: I know you have mentioned cash back credit cards in

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Speaker 2: past episodes and maybe in future episodes. I haven't gotten

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Speaker 2: to yet, but I'm wondering which ones you recommend in

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Speaker 2: twenty twenty four. Thank you for all that you do,

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Speaker 2: all right. I was pleasantly surprised, Tiffany that when I

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Speaker 2: googled this, which is what everybody can do, there's like

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Speaker 2: a bunch of listicles. But the best credit cards are

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Speaker 2: still in my wallet. They've been there for years. And

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Speaker 2: what are those some ogs? Well, you know we love

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Speaker 2: the Chase Good Time card. Yes, what is it really called,

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Speaker 2: because you know Chase some fire reserved.

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Speaker 1: Yes, you know that's the number one credit card in

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Speaker 1: the country or something like that, most used or most

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Speaker 1: And we actually had a woman on our podcast who

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Speaker 1: started a company called Sequence Vernda. She was one of

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Speaker 1: the while she was at the it was no visa

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Speaker 1: at Chase, she was one of the I guess you

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Speaker 1: could say creators of that architect Yes, I mean, we

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Speaker 1: have bad ass women on our show, so yeah, the

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Speaker 1: architects of that card. And she's awesome. She's got a

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Speaker 1: company called Sequence which is like women like a money

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Speaker 1: community and credit card or debit card for women by women,

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Speaker 1: something like that. Listen to that episode.

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Speaker 3: You got to hurt them anyway, I got yourself up

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Speaker 3: to fail. No one asked you to give them a

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Speaker 3: recap of the whole episode any way. So the Chase

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Speaker 3: Sapphire Reserve, the reason I love that card is because

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Speaker 3: the benefits baby like three hundred dollars travel credit. I

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Speaker 3: believe they paid for my TSA pre check. You get

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Speaker 3: three percent cash back on food and travel, which are

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Speaker 3: two of my favorite things today.

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Speaker 1: And if you rent a car, I use this all

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Speaker 1: the time. You get insurance car like girls, one of

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Speaker 1: my favorite I always whenever I'm going to call then

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Speaker 1: the now use my face Good Time card.

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Speaker 2: Yes, And they'll never they'll try to make you think

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Speaker 2: that your card is not as good as it is,

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Speaker 2: like it takes me when I'm renting a car. I'm

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Speaker 2: just like, uh huh uh huh. I'm telling you I

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Speaker 2: don't need it. They're always trying to add insurance. But

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Speaker 2: that is true. Not the only card to offer that,

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Speaker 2: but it is definitely true of the Chase Freedom or

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Speaker 2: Sorry Chase Sapphire Reserve. There is an annual fee. What

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Speaker 2: is it? Is it five hundred and fifty dollars?

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Speaker 1: I don't remember.

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Speaker 2: It might even be more now. They used to have yeah,

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Speaker 2: I'm looking right now. Oh yeah, we still get the

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Speaker 2: travel credit five hundred and fifty. Yeah. So they have

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Speaker 2: a lighter version of this card that's called the Chase

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Speaker 2: Sapphire Preferred, which only has a ninety five dollars annual fee,

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Speaker 2: but doesn't come with some of the juicier benefits like

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Speaker 2: the travel credit there three hundred dollars I mentioned, But yeah,

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Speaker 2: if you I mean I I I've booked several domestic

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Speaker 2: flights with the money from my that I've earned just

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Speaker 2: by using my Chase Sapphire. But of course the caveat

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Speaker 2: the best, the best quote unquote the most generous, generoush

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Speaker 2: the most generous rewards cards will often come with the

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Speaker 2: quid pro quo of fees. So I would say Chase

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Speaker 2: Sapphire Preserved is good for someone who's looking for less fees.

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Speaker 2: It still has ninety five dollar fee, but it'll yeah,

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Speaker 2: come in handy. What's the one? And then oh yeah,

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Speaker 2: I was excited to see on nerd Wall at the

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Speaker 2: City double Cash is their top Okay, yeah, I was

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Speaker 2: just gonna see that this is a flat rate credit card,

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Speaker 2: which is like a lot of the cards I have.

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Speaker 2: I have two for categories like one for grocery shopping.

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Speaker 2: That's the AMEX blue. I almost said blue cross blue shield.

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Speaker 2: That's not right. What it's the Amex, it's something blue.

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Speaker 1: I think I know what you mean the blue Oh

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Speaker 1: what is that? I know what you mean, AMX blue something.

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Speaker 1: Just look it up girl. You know what we talk about.

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Speaker 2: Whoever is on their marketing team, like get some more

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Speaker 2: names like Blue Cash Preferred is what it's called. Okay,

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Speaker 2: no annual fee, but it's six percent back on groceries

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Speaker 2: up to like six in cash I don't know. And

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Speaker 2: the City Double but the City Card is two percent

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Speaker 2: cash back on anything you buy. So if it's like

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Speaker 2: something that I'm not, it's not it's not going to

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Speaker 2: give me the most, you know, give me the cash

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Speaker 2: back like the reserve will for travel and food or

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Speaker 2: from not grocery shopping. Then I'll pull out the City

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Speaker 2: Double cash.

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Speaker 1: So how do credit cards even get on these lists? Like?

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Speaker 1: Maybe are can we trust these lists?

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Speaker 2: Yeah? Well this is the thing. I not only worked

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Speaker 2: for Magnified Money, I was in charge of their content team.

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Speaker 2: So the content team are the ones who put together

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Speaker 2: these listicles and not just that they come, we come

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Speaker 2: up with the methodology. So depending on the website, like

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Speaker 2: nerd Wallet, Magnify and it's sister sites like Lending treat

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Speaker 2: like they have entire teams of writers and editors and

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Speaker 2: also product people, so like people in the back who

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Speaker 2: are really educated about the credit card space to discern like, Okay,

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Speaker 2: what are the best benefits, how are we going to judge?

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Speaker 2: Put them in different categories? All of that. So if

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Speaker 2: you're gonna take any advice from sites like that, and

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Speaker 2: I always suggest you know, google yourself. And also Reddit

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Speaker 2: can sometimes be a good source if you want like

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Speaker 2: new ideas and stuff. But those sites can be excellent sources.

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Speaker 2: So when you google, the ones that pop up should

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Speaker 2: be according to Google's algorithm, the sites that have the

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Speaker 2: most well rounded answer with an algorithm, with editors who

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Speaker 2: are not bots, and there was like thought and care

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Speaker 2: put into the content. I will say that the way

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Speaker 2: that these sites make money is that we get kickbacks

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Speaker 2: in some form or fashion from the banks, from the

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Speaker 2: credit card companies, the issuers that are featured on the site.

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Speaker 2: So I would look for disclosures. For example, one thing

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Speaker 2: that we used to do at Magnify Money is like

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Speaker 2: let's say Discover, for example, had a new student credit

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Speaker 2: card and it's not on any of the best lists

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Speaker 2: because it doesn't have that much there's no cash back,

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Speaker 2: and it's not a travel card. And let's say those

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Speaker 2: are our big lists for the site. But they really

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Speaker 2: want to be featured and they're going to give us

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Speaker 2: a bunch of money. So then they would come to

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Speaker 2: the product team, a bizdev team would come to my

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Speaker 2: team and be like, we need to feature this card.

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Speaker 2: Then we would kind of back into a story idea

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Speaker 2: about that card, so it would be like the best

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Speaker 2: Student the best roundup of student credit cards, and then

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Speaker 2: you would get the Discover card in there, or you

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Speaker 2: would try to find the best feature of the card

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Speaker 2: and then break it out into its own subcategory best

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Speaker 2: for students who love to eat at the dining hall

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Speaker 2: or like students who like sports, like you'd find these

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Speaker 2: little ways of featuring them. So I mean, it's not

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Speaker 2: like it's nefarious, and honestly, like it paid my salary,

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Speaker 2: so I was fine with it. However, always check multiple sources,

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Speaker 2: and I think we should know how websites make their money,

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Speaker 2: and I believe absolutely Yeah, like nerdwallet, Magnify Money, like

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Speaker 2: we would have disclosures, like we have partners here who

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Speaker 2: affiliate ads just like any other, Like the vast majority

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Speaker 2: of financial sites have affiliate revenue from because basically you're

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Speaker 2: helping the company market. But yeah, lots of thought in

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Speaker 2: care does go into it. And at the same time,

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Speaker 2: just understand how they get paid and look closely at

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Speaker 2: what category it's appearing in, because we will tell you

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Speaker 2: this is best for groceries, this is best for people

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Speaker 2: who want a good grocery card but no annual fee.

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Speaker 2: And yeah, all the different nuances.

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Speaker 1: I love that. Thank Yeah, yeah, wait you talk about Yeah.

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Speaker 2: There were just a couple of new kids on the

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Speaker 2: block that I hadn't heard of.

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Speaker 1: Hmmm.

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Speaker 2: So one of them is the Capital one Savor one car.

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Speaker 1: I saw that I'm not familiar.

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Speaker 2: Ten percent cash back made through on purchases made through

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Speaker 2: Uber and Uber eats.

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Speaker 1: I need to get that one because that's.

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Speaker 2: I mean, are in a one time two hundred dollars

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Speaker 2: cash bonus after you spend five hundred dollars on purchases

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Speaker 2: within the first three months. That's a pretty low bar,

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Speaker 2: Like spend five hundred, get two hundred. The key with

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Speaker 2: any of these cards, Oh, we should have done this

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Speaker 2: at the jump. Y'all know how we feel about credit cards.

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Speaker 2: Sign up for them, enjoy the benefits, but not unless

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Speaker 2: you can pay the card in full, yes, every month,

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Speaker 2: because these interest rates have never been higher, I mean,

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Speaker 2: and they're wild super high.

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Speaker 1: Gotcha, gotcha? Cause that's the thing, Like, it doesn't benefit

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Speaker 1: if you are going to like, whatever money you earn,

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Speaker 1: you have to pay it back because you're paying fees

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Speaker 1: on interest. So let's just keep that in mind.

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Speaker 2: Yeah, your APR will be nineteen percent, twenty six point

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Speaker 2: twenty four percent, or twenty nine point nine nine percent

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Speaker 2: based on your credit worthiness. This is the capital one

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Speaker 2: saver one that I just mentioned. Like reading that fine print,

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Speaker 2: that's that's not a lot, that's not an insignificant amount.

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Speaker 2: And another thing to consider is, like some of the

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Speaker 2: juiciest cash rewar. I thought you were going to be

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Speaker 2: answering this question. Why am I talking so much now?

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Speaker 1: Because you had the behind the scenes, you had the

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Speaker 1: behind the scenes of like Howard these lists even compiled. Yeah,

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Speaker 1: and I'm the type person once I get my card,

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Speaker 1: I'm locked in. I'm locked in. I tend not to, like,

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Speaker 1: you know, unless something really bad happens with because I

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Speaker 1: paid my cards off in full every month, and that

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Speaker 1: I have since I started with my credit card. So

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Speaker 1: as a result, I'm not as tied to interest rates

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Speaker 1: and things like that because my dad told me when

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Speaker 1: I was eighteen i got my first credit card, to

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Speaker 1: pay it off every month in full, and for the

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Speaker 1: most part, I've been able to do so, I would

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Speaker 1: say more years yes than no.

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Speaker 2: Well, I just confessed to Tiffany that I messed up

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Speaker 2: with payment and I got hit with a penalty APR,

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Speaker 2: which is where they jack up your rate because you

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Speaker 2: missed a payment. And I tried all my tricks, chatted them, Hi,

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Speaker 2: I'm a new customer. It was a mistake. They were like, no,

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Speaker 2: we don't mess around, they.

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Speaker 1: Don't scare Please. My credit score lower significantly because as

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Speaker 1: I like it was one like it didn't. Someone on

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Speaker 1: the team did not pay the card and I lost

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Speaker 1: like a hundred points. I was like, well, I'm not

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Speaker 1: buying anything, but I wasn't happy about it. Yeah, yeah,

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Speaker 1: so what should we take a break and come let's

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Speaker 1: take a little break, come right back, and we're back

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Speaker 1: and blacker than ever now. You you know, gave a

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Speaker 1: little bit of a confession that you were late, you know,

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Speaker 1: and you tried to you know, try to give a

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Speaker 1: little sugar and spice and.

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Speaker 2: My credit card not not pregnant.

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Speaker 1: But I thought, since we're in the confession, mood, I

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Speaker 1: want to know, I want you to spill your financial tea.

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Speaker 1: So I, me and Mandy are really wanted to just

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Speaker 1: really understand, like what you guys are not going through.

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Speaker 1: We're nosy, and I want to know what financial tea

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Speaker 1: this is if you put in financial tea in the

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Speaker 1: comments or whatever or in the subject, likee, we know

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Speaker 1: that no, totally anonymous, Sarah, and I'm just joking, totally anonymous,

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Speaker 1: and we want and don't give us tea Like wait,

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Speaker 1: I don't want weak tap of tea.

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Speaker 2: Yeah, I think mine was like even been steeping, girl,

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Speaker 2: I'm not even at all.

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Speaker 1: It's literally beside the cup. We want the tea where

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Speaker 1: you're like, yow, I may or may not have gone

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Speaker 1: to my mother's wallet and took fifty dollars and what

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Speaker 1: she was looking for and blamed it on my brother

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Speaker 1: and now they're on the outs.

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Speaker 2: Girl. We want the tea.

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Speaker 1: We want the t t or you know, I may

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Speaker 1: or may not have gambled away all of the the

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Speaker 1: mortgage money for the next month. And I'm not talking

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Speaker 1: about tea that you're even asking for help with. You

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Speaker 1: just want to get off your chest, you know, and

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Speaker 1: you want to get off your chest and you want

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Speaker 1: your two friends to say. I mean, okay, girl, we're

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Speaker 1: not here to do just a little judging, but like,

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Speaker 1: you know.

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Speaker 2: Are we allowed to judging on? Did we set the

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Speaker 2: stage for that yet?

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Speaker 1: I think we're allowed to make comments meaning like I'm

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Speaker 1: not here to say you're so terrible? Da da da da,

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Speaker 1: But I think not make comment meaning like what wow? Well,

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Speaker 1: you know sometimes yeah.

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Speaker 2: I think the whole purpose Well, the reason we came

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Speaker 2: up with this idea is because I was feeling like

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Speaker 2: people are when you're authentic, you get judged so or

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Speaker 2: when you're authentic about a mistake, people are really harsh

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Speaker 2: and it's like, have you ever fucked up in your life?

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Speaker 1: Like, I'm sorry, we're not gonna be now here's the thing.

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Speaker 1: I can't promise we might not giggle and laughing, key key,

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Speaker 1: and hopefully that actually makes you left too. Like I

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Speaker 1: was off of that. Let me go ahead and tell

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Speaker 1: my mama that I stole that money, you know, and not.

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Speaker 1: So basically it is a place where you could share

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Speaker 1: your financial tea in a safe environment where you might

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Speaker 1: get a little giggle but not judgment. And it's because

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Speaker 1: mostly the reason why you wanted to share is we're

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Speaker 1: not giving advice. This is just for you to unearth

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Speaker 1: and to have someone bear witness to the thing. Okay,

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Speaker 1: so just you know, give us your financial tea and

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Speaker 1: and it can. You don't have to build your own

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Speaker 1: tea because the hottest boiling tea sometimes belongs to other people.

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Speaker 1: So of course you're gonna want to you know, change

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Speaker 1: some of them the details to protect the guilty. But

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Speaker 1: you might be like, ah, so my coworker, we live,

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Speaker 1: we live too.

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Speaker 2: So how are you gonna send us these emails?

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Speaker 1: DM as You can email us at Branna Vision Podcasts

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Speaker 1: at gmail. Just put financial tea and we know that

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Speaker 1: you just want us to read it anonymously and you know,

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Speaker 1: give some key key or you can sign our d

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Speaker 1: MS Brandabision podcast on i G or just go to

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Speaker 1: Brownhabision dot com and click contact us like yeah, we

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Speaker 1: want this money, t we want this money.

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Speaker 2: It's actually Brown Ambition podcast dot com. But yes, we

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Speaker 2: want this money. You got the word podcast. We want

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Speaker 2: the domain wasn't available.

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Speaker 1: We want some money tea and maybe we'll share some

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Speaker 1: tea too. I have to think about, like, do I

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Speaker 1: have any spicy tea of like maybe a mistake that

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Speaker 1: I mean, guys, I feel like I've shared all my

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Speaker 1: mistakes where you know, tens of thousand thousand dad, you know,

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Speaker 1: well I do have one. You know what, I'm gonna

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Speaker 1: save this one. I was quite the kleptomaniac. So I'm

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Speaker 1: gonna give you one of my kleptomaniac stories from from

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Speaker 1: middle school. I don't know, I went through a kleptomaniac

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Speaker 1: phase in middle school. Girl, my goodness, I clept domain.

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Speaker 1: I should be locked up everybody.

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Speaker 2: I did it. I tried to, but I got scared

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Speaker 2: and then my caught.

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Speaker 1: And that I'm gonna tell. If you guys share your tea,

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Speaker 1: I'll share you my kleptomaniac story. And you know I was.

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Speaker 1: I was on a tear for a few weeks and

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Speaker 1: then I got caught. And let's just say, the punishment

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Speaker 1: made me say, you know what? That built for this?

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Speaker 1: So I stopped any last parting words before we jump

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Speaker 1: off Mandra.

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Speaker 2: My best friend in middle school. We were supposed to

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Speaker 2: get my mom to drive us. I chickened out to

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Speaker 2: Cole's to steal chick out and Coles expect things, and

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Speaker 2: she got caught and she was like banned from cold

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Speaker 2: stores forever or something like that. I worked for Coles

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Speaker 2: in college, so, you know, came back.

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Speaker 1: To get a ride. Mom keeps dropping us off the stack.

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Speaker 2: She's like, with what money.

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Speaker 1: You would have came home with stuff? Kids are so foolish.

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Speaker 2: Not me, though, I was just a rat. Not I

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Speaker 2: was worse than a rat because I just let her

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Speaker 2: go and I get caught.

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Speaker 1: Yeah, that's the worst. So, my gosh, that's hilarious. You see,

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Speaker 1: that was so bad. It was this little kiky giggle gigging.

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Speaker 1: We met your mission. We're laughing with you, not at you.

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Speaker 1: I promise exactly, all right, guys, Oh don't forget leave us.

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Speaker 1: Some reviews shared this podcast reviews let us be seen,

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Speaker 1: heard and grow and so until Monday, Bye bye baham