So in this video we're going to be going over the top three credit cards that you need to look out for right now, if you don't have these cards in your wallet, i don't know what to tell you you're going to miss out when these offers go Away you're going to wish that you had signed up for them now i don't want to take any more of your time. I want to get straight into the video, but right before we do, i need to ask you one huge favor, and that is to hit that like button down below and comment down below what your favorite color is. Also, i plan on doing a video where i reveal to you my stock portfolio and how i plan on making fifty to a hundred thousand dollars in the stock market purely off of gain. So if you guys are interested in seeing a video like that, i want you to comment down in emoji or comment down the word stonks.

Okay. That will give me a better idea on if you guys actually want to see a video like that or if no one will care to see a video like that, and it will probably flop really hard on this channel. Like some of my other videos, anyways, let's get right back into the video and talk to you about the top three credit cards that you need in your wallet before this year comes to a close for the first credit card. Drum roll, please, it's gon na be the chase freedom flex card.

This is a card that everyone should be adding to their wallet. So when it comes to no annual fee credit cards, i can confidently say that the chase freedom flex is the best card out on the market. Right now, with this card, you can find yourself earning a 200 welcome bonus after you spend 500 in purchases in the first three months. On top of that, you can find yourself getting five percent cash back at grocery stores.

You get zero percent intro apr for 15 months and on top of that you're getting your 5 bonus categories when you activate the calendar and at the time of this recording that is going to be walmart and paypal till the end of december. If you're spending money on paypal, you know that you can get the best amount of cash back, which is going to be five percent for this quarter, whether you're a beginner looking to get into their first or second credit card. This is a no-brainer or, if you're, an expert who has 15 20 or even 30 credit cards. This is still gon na, be such an added benefit to your wallet.

Take my word for it. I literally applied for this card a few weeks ago and i did get approved for it, even though i do have a whole bunch of cards already right now. In my opinion, this is one of chase's best cards. You would never expect the freedom line to be considered one of the best cards, but, in my personal opinion, the chase freedom flex.

It is absolutely killer. It is number one on this list. If you don't get this card before this year is over and they managed to reduce the welcome bonus offer or they get rid of some extra added benefits. That's an l! Okay! Don't miss out on this offer, it's a great card.

So, just a couple things: if you do plan on applying for this card one, what should your score be? I recommend you to have at least a 680 credit score, and that is on the bare minimum. Yes, there are some people with a 650 credit score that do get approved for this, but if you do want to have a higher chance of getting approved for a card like this, i recommend having a score at least 700 680 oftentimes does fly, but the biggest Thing with chase is: if you want to improve your chances of getting approved for one of their cards, you want to make sure that you have some type of relationship already with chase. This means you have other credit cards or you have other finance products, or you have something like a checking or savings account with chase if they know that your name is in the system. This is the one proven data point that we've seen time and time again, that is actually true having some type of relationship or data with chase is gon na help you get approved for them.

On top of that, there are other rules, like the chase 524 rule that you also want to be mindful of because if you do have more than five credit cards that you have been approved for within the past 24 months, you are gon na get automatically denied For a card like this, so make sure you know all the rules watch some of my older videos on my channel. If you guys don't know what i'm talking about and if you do want to sign up for this card, and you do have the right score and you think you can get approved check out the links down below in the description, if you guys open up brian Jung's top 10 card picks. You will see the chase freedom flex right under there and using that link supports my channel a ton at no cost to you. So if you guys want to support this channel, which you don't have to do, but if you want to the links, are down there for you to check out also if you do use them, i just want to say thank you all so so much one last Thing i want to mention with the chase freedom flex card.

Is that if you apply for it and you don't get automatic approval, anyways, don't freak out the same exact thing happened to me: i got an email about three or four days later telling me. Oh, your chase street freedom flex card benefits are here check them out. I was like all right. That means i got to prove so i need to just go downstairs and open up my mailbox because i haven't actually opened the card yet.

But if you do plan on applying for this card - and you get the same message that i got don't freak out chances are, you probably did get approved, because what we're seeing a ton of right now, especially based off other people's data points, is that chase is Just taking a long time on approval, so don't sweat it too much. If you don't get automatically approved, it seems like that's the way they are doing things because of the pandemic. Now the second essential card that i'm gon na mention is gon na, be the american express platinum card with the american express platinum card. This was something that a lot of people had to take heavier consideration into whether their spending habits, matched up with the card's benefits.

What this means is, if you didn't travel, if you didn't value the lounge benefits or if you didn't shop at saks, fifth avenue or you didn't like any of the uber benefits, this card would be zero value to you and you would just be getting the welcome Bonus which may not have even been worth it because you're still paying that high annual fee for a card like this ever since the lockdown american express has been doing great things to some of their luxury higher tier cards like adding additional benefits like wireless credits, streaming Credits, shipping credits and things like american express offers where even right now guys we're seeing a ton of people in our facebook group. Getting this offer of plus eight membership reward points for their amazon account. What american express did was take this luxury travel card that only the elite can get, and they turn this into something where it was much more viable and it made more sense for a lot people to start signing up for during this time. I know just within the past few weeks, a ton of our facebook group members have been getting approved for this card as well, which is also great news.

The score i recommend to have for a card like the american express platinum card is at least 700. If you do have anything less than that, it's gon na get pretty challenging to get approved for a card like this and i'd be surprised if you did. But if you have a score of at least 700, i recommend 715 to 750, which is really the prime range anything above that you'll definitely get a proof, but that is really the maximum range. I recommend you to try to be in.

If you don't have a good credit score and you still want a card like this, make sure you watch some of my other videos on my channel talking about how you can improve your credit score, which i will have listed all at the end of the video When it comes to applying for american express cards, it looks like you: don't have to do as much work as you do with chase, where you have to have a relationship with them, and you got to make sure that you're under 524 with american express just make Sure that your credit score is somewhat in the decent range. As long as you have that covered, it looks like they are approving a lot of applicants, so i wouldn't worry too much about whether you would get approved or denied. I would just focus on having a good credit score, seeing if this card matches up with your spending habits and then pulling the trigger on it. Also, i feel like i have to mention this, but if you are going through some very rough financial times right now, please do not apply for this card focus on your money.

I'm sure, if you don't have good finances, you wouldn't even get approved because of your credit score. But there are some people. I know that aren't making that much money that want to pay an annual fee of 500 plus dollars on a card like this, and i just want to say, make sure it makes sense. So for the third and final card on this list on the cards that you need before this year is over it's going to be the american express gold card.

So a lot of people are asking me brian. Is there any chance i can get both platinum and gold cards in a short time frame? You definitely can what we've noticed with american express in the past is once you get approved for one card. American express actually encourages you to apply for different cards that they have. Sometimes, when you log into your account, to view your statement and to check out your benefits, they will offer you another card so based off the research that i've done.

It really does look like american express tends to favor their consumers having more of their cards. So if you have the platinum, i believe the gold card works really well with it. Because of the welcome bonus you can get right now and because of the cash back categories and the added benefits. Now i just made a whole video reviewing the gold card, so i'm not going to talk about the exact benefits it has.

But all i want to say is this: if you do sign up for the american express gold card, they are offering you an insane. Welcome bonus of 60 000 points. This is from a usual high of 35 000 points, which is the one i got, and i know a lot of people are doubling that right now, at least because of how insane these offers are even better than that. If you sign up for this card right now, the cash you get is insane with 120 dining credit, the 100 airline fee credit and the 120 uber cash credit that is estimated to come out on the first month of 2021, that is 340 dollars worth of credits.

That you get completely for free with this card, so if you sign up now and they start allowing the amex uber, eats credits to start kicking in at the beginning of next year, you're still getting all of the benefits right now. The breakdown of the american express gold card credits for the upcoming year of 2021 just makes sense, but really the trigger for this is gon na, be the welcome bonus associated with this card. I have personally never seen an offer this high. It is still around.

I don't know how long it's going to be around for my biggest tip to you is just don't miss out on something like this. If you think that you want to wait on having the gold card at some point in your life, because there's going to be an even better offer, it's it's gon na get really tough to match what they have right. Now, that's all i'm gon na say so. Those are the three essential credit cards that you need to apply for before this year is over now, if they weren't having these insane welcome.

Bonus offers, if american express didn't add all these credits and didn't promise some additional credits like on the gold card. I would say these cards may not be worth it: you're, not traveling you're, paying these high annual fees and, what's the whole point of having these cards because of all the added benefits which are temporary, they're limited time, they're not going to be around forever. That is the reason why i say these are the cards that you should have in your wallet for this year. Once you get the cards and you realize hey, it doesn't work out for me.

I don't like it. You can then choose to downgrade or cancel that card most often when you do that they will still give you a retention credit. So it's just free money on free money and, if you're watching this video up until this point chances are, you know that credit cards they have a lot of potential in free money and that that's what it's all about right. We love free money.

So, like always, i hope you found this video valuable and if you did don't forget to subscribe to this channel and don't forget to check out the links down below in the description one last thing, i have a link for something called ebates, also known as rakitan And it is freaking amazing if you're planning on doing any type of online shopping before this year is up, and you want to pair this up with your credit cards, ebates aka known as rakuten. They are just such a great company to work with right now. There's a limited promotion where, if you sign up you get 40 bucks and whoever signs you up gets you 40 bucks. So i get 40 bucks.

You get 40 bucks, it's a great deal going on sign up for ebates down below. If you don't like it, you really still don't have anything to lose, but it's a cashback portal, where every time you shop online and you use ebates they're gon na, send you a free check in the mail. So those are all things that you need to check out. If you have downloaded ebates and you haven't gotten that 40 bucks, it means you haven't spent 40 bucks.

Yet that's the only requirement for that app, so i wouldn't recommend forcing yourself to buy something right now. Just get the extra 40 bucks, i would wait until you plan on buying something, and i think the best personal time to purchase something using ebates is going to be black friday. Cyber monday, i'm personally holding off on buying some extra gym shorts because i'm running out of shorts and a couple other items on my list, i'm gon na buy everything towards cyber monday. I'm gon na stack double dip.

These offers and see any type of american express offers that they may continue to add as well, but that was my video right there don't forget to follow me over on instagram credit. Brian, don't forget to follow our facebook group at the credit society and like always, thank you all so much again for watching and until next time, peace out.