In this video, I'm going to be going over the three most advanced credit card strategies specifically designed for people who are in the end game stages of the points and Miles game. I'm making this because there was a time and period where after I had 15 credit cards I'm like, okay, what am I supposed to do next? So ladies and gents, by following the precise roadmap that I mentioned in this video, you're going to be having enough points to not ever pay for travel again. Starting first with what I would consider the Hilton triple dipping ultra diamond status path that's not the actual name of this whole entire thing, but that's that's what we're going to call it today. So with this path here, you can get Hilton Diamond status which is the highest status available for Hilton.

You can also get a couple million Hilton points and a bunch of credits and free night stays. Now this is gonna come from utilizing three of the Hilton Honors cards. So between the three, it's very simple how it works. They got the noob, they got the middle and they got the Elites with the noob card.

this is the Hilton Honors American Express card. It has no annual fee. You get 7x Hilton honors bonus points. With the mid tier you get 130 000 Hilton Honors bonus points you get a free night reward.

By the way, you get free night rewards for both of these two lower tier cards. Highest Elite card you pay higher annual fee. By the way, this one's 450 and with this card you'll get a hundred fifty thousand Hilton Honors bonus points and more Now I'm not gonna go too in depth into the point earning categories, but you'll notice it says 14x. It sounds like a lot, but Hilton points aren't valued to be as much as other competitors.

So this means is even if you earn 14x per one dollar, if a hotel with Hilton costs you 500 000 Hilton points, you realize you're still not getting the best Redemption possible. But it's better than nothing. With the Hilton Honors card, you can get silver status and also you get no annual fee. This here is going to be really important because the no annual fee actually comes to serve as a very valuable card.

Just so you're not wasting money on paying Annual fees for things that you're not using. for the mid-tier circle fast card. with a 95 annual fee, you're gonna get a free night after spending fifteen thousand dollars every calendar year. And right now the welcome bonus offer is 130 000 points and a free night after spending two thousand dollars in three months.

And with the top tier Hilton Aspire card you'll be getting 150 000 bonus points after spending four thousand dollars in the first three months. and the annual fee on this card like I said, 450 Quite a bit, but you also get a 250 statement credit each calendar year with card ownerships on Hotel and Resorts booked directly with American Express and you get one free night after you spend a whopping sixty thousand dollars every single year. I Think this card really makes it up with that Hilton Honors Diamond status because normally you would need to spend 60 nights in a year with Hilt in order to get this status. but you get it all for free by getting this card which also results in complimentary breakfast for you and a guest.

You get Executive lounge access at Hilton Hotels And on top of that, sometimes they can even upgrade your room completely for free by having the status. So here are some things that you need to know with these cards: You get access to upgrade offers, so when you initially apply, you can apply for all three cards and be eligible to get all three bonuses by adding that up with the credits. The free nights the Welcome offers you get 350 000 bonus points. in total, you get five free nights in total and you get an annual 250 Hotel credit and you get that diamond status as well.

The total annual fee would come out to 545 dollars, but by subtracting all the benefits you get, you would then realize you're still getting extraordinary amounts of positive value for if you travel. Now, if you ever thought okay, Brian this sounds a little Sus because I thought you could only get one card. That's actually not the case. You can actually get three cards all in very similar time frame.

so in a whole year I could be holding on to all three cards at the same time. It gets even better than that though. So let me show you exactly the power of Hilton I'm gonna go on Google I'm gonna type in Hilton Bora Bora This is actually one of my dream destinations I Want to stay at I've never stayed at the Hilton bore and it's one of those places where it's got these over water little Huts but it's really nice. Normally to stay at a hotel like this it would cost you anywhere from fifteen hundred dollars a night which doesn't even qualify you for the over water little Villas but it could average you even about three thousand dollars or more per night.

So if I wanted the king over water pool Villa I mean this thing is beautiful. You know it's out on the water. It would cost me a lot of money. Now here's the beauty of knowing about the entire points and Miles game.

So if I wanted to use credit card points instead I would turn and check this little box. Now within the whole rates, it's telling me it's about 994 000 points per night now. I Actually had booked this hotel to be like in a month from now so I'm gonna be getting some of the highest rates and plus it's during summer where it's like Peak traveling. but if I had pushed the dates out So as an example, I'm gonna load up some more prices for you guys to see.

You'll notice that instead of it being 990 000 points per night for four nights, it's a 120 000 points per night for four nights. So ladies and gents, even for a million points, if you're able to get two three million points, you're still effectively able to get at least six thousand dollars back in value at the bare minimum. It goes a little bit further than that because what you can most often do in order to you know, play the system and maximizing every dollar you can get is the fact that if you sometimes book one of these other Villas where they're significantly cheaper, sometimes they're even like couple hundred dollars like four or five hundred dollars a night. And because you have Hilton Honors Diamond status, you could also get an upgraded room to one of the more expensive ones all for free.

Pair that up with the fact that if you get a bunch of points with Hilton, you're pretty much set for free vacation. So there's clearly a lot of value in these cards, especially if you're able to stay at some of these Hilton properties. But the question then is what's the best way to start? So with the lower tier Hilton cards, you can actually get something called an upgrade offered to the next level card. For example, after holding the Hilton Honors card, they will usually offer you you an upgrade offer to get the surpass card, and then eventually if you get the surpass card, you'll get an upgrade offered to get the Aspire card.

It turns out once you get the upgrade offer, you can't get the welcome bonus offer, but it's not the case the other way around. So let me explain it here. First of all, check your total capacity. You can only have five cards with American Express, but charge cards like the gold card and platinum don't count towards that five card total.

If you start with the Aspire card, you want to wait at least five days to get the surpass card and American Express won't approve you for more than one card every five days. On the most conservative note, you'll also want to wait at least 90 days to get the final Hilton Honors card. This is because you can't get a proof of more than two cars in a 90 day period with American Express. It works out well because for the first three months you'll be focused on hitting those welcome bonus offers and you don't want to be getting a whole bunch of cards if you cannot hit that minimum spend requirement.

So let me explain it even better here. say you sign up for the Hilton Honors card. You get the Hilton honor surpass card three months after that, and then three months after. After that, you get the Hilton Honors Aspire card assuming that you get the welcome bonus every three months.

The spend requirements aren't really that high, so even if you're spending about a thousand dollars a month on average, you should be able to get those welcome bonus offers. Now, after holding the card for about a whole year or 365 days, you'll want to downgrade both to the Hilton Honors card. There are two rules out: wait a whole year before you do this. Also, do not downgrade all your cards all at once because it could raise some red flags and it could put you in American Express pop-up jail where you're not going to be seeing any upgrade offers and it's going to make you unqualified to get future welcome bonus offers.

Now there is a reason why you downgrade these cards and that's so you can get an upgrade offer. These upgrade offers add up to be quite a bit and over time if you stack them. This is how you get well over a million points with Hilton. So on all three of the Hilton no annual fee honors cards say you end up getting a pop-up for one welcome bonus offer.

to get the surpass card, you upgrade it. You make sure you hit it, then shortly you wait for that card, and then maybe even after that, you'll also get another upgrade offer later that year for the Hilton Honors Aspire card. Pretty much this is a system of just going up the ladder getting those upgrade offers. If you're not seeing it, you can always downgrade too.

and it's just putting yourself in a position where you're able to accrue more points from something that you're already going to do. Now this is why: I Highly recommend most people to save Hilton for endgame strategies for it to be last just because you have a lot of space for you to maximize these rewards. I Also highly recommend that anyone who's trying to take like their dream honeymoon trip or you know you have a dream family destination. This is that one trip that you really just want to go all out for.

This is where it would count for me. The Bora Bora destination is what I would Envision that to be like I Think it would be an amazing dream or opportunity to go with my entire family, but I do know how expensive that can get? Either way, you're still optimizing a ton of free benefits, you're accruing a lot of points, and even if you don't travel to that particular location, if you sit at any Hilton Hotel you could still redeem a lot of value back Now the next: Advanced Credit Card Strategy is maximizing business credit cards now. I've made a full guide on how to maximize business credit cards from beginning all the way till the end. So I'll keep this one rather brief.

First, most people assume that they need to own a big business with a physical store in order to get approved for a business credit card. but that's actually not the case. Maybe you deliver food for ubereats? or maybe you walk dogs on the side. Regardless, if you have a side hustle or any really small business, you're eligible to get business credit cards.

This is because you can get approved as a sole proprietor and most definitely like 99 of the people can get approved to be a sole proprietor within the first place. From that, you just apply for these cards and then you have access to a whole lineup of other credit cards that give you a ton of additional points. As an example, Chase has a whole lineup of their Chase Ink cards. There's the Chase Ink Premiere the Chase Ink unlimited chasing cash and chasing preferred.

And after adding up all of the points that you can get from those welcome bonus offers, you'll find that you can get about 300 to even 500 000 points depending on the wall components offers. What's also unique about business credit cards is that they offer some pretty unique benefits to fit within your spending needs. What's also great is that business credit cards don't also impact the 524 rule, which is something that holds a lot of people back where you can only get approved for five cards within 24 months if you want to get approved for another card with Chase. So as long as you have less than five credit cards in the last 24 months, the only other thing to be mindful of is the 2 and 30 rule where you can only apply for two cards in a 30-day period with Chase.

So outside of Chase though, there are a bunch of other issuers like Capital One or even American Express that have a ton of different business credit cards like the Business goal, the business Platinum, the Bonvoy Business, and even the business Prime Just quickly running through some of those High welcome bonus offers. With Bonvoy Business, you get 75 000 Marriott points you get a 125 Dollar business Amazon Gift card you get 120 000 membership reward points with the business platinum and sometimes you can get even better offers than the one that you see right now. A lot of people tend to just end at getting personal credit cards and they don't take that extra step and and getting business credit cards and maximizing the points there. Now ladies and gents, the third and last strategy might not sound as glamorous, but over time it can really benefit you with all the welcome bonus that you can collect.

And this is what I call scraping the Doodoo. so that within the basic premise of scraping the Doo doo, this is by going for a lot of credit cards that are usually overlooked that tend to have no annual fees. It's usually those cards that have a decent welcome bonus wherein a percentage rate you're getting anywhere from 20 to sometimes 40 percent back on the money that you spend and people just completely Overlook them. This even includes like some of those cards that I you know you go to a store and they're like hey, we're gonna give you like a 200 Sephora gift card if you get our credit card those end up becoming viable at the very end game strategy of the whole credit card.

Journey Now there are a lot of credit cards that I would consider to be due to that you shouldn't even look at in the beginning. But I'm telling you, once you get a full stack of credit cards within your binder all set up, it's by doing this. and by getting even more credit cards down the road where you can continue to maximize even more cash that you spend. by overlooking some of those cards, you could be sacrificing a whole bunch of points.

And guys, trust me, I do know it's not a good look for you to be whipping out the Victoria's Secret card. It would look silly for you to whip that out on like a nice company corporate meal, but hey, if you're able to put a decent amount of spent on that card and then cut it up afterwards and then keep the cash for it and then you pretty much have like a free gift card. At that point That's still a win-win with the scraping doo-doo strategy. Put aside your ego, look in some other cards and no annual fee.

cards are great because it doesn't cost you a single penny to hold. So ladies, and those are going to be the three Advanced Credit Card strategies I Know some of it might sound obvious, but it's definitely something that I feel like is worth sharing just because a lot of people tend to just stop after they get the core cards with Chase in American Express Now if you guys did find any type of value within this video, be sure to let me know Down Below in the comment section. Also, be sure to join our Facebook group if you haven't done so already. and be sure to check out the links Down Below in the description.

If you plan on applying for any one of these cards, anytime you use those links, it seriously supports this. Channel and I want to thank you guys so much for that. All right, so that's gonna be the video. I Love you all I Appreciate y'all See y'all in the next one.

Peace.