What's up guys, it's Graham here, so as I'm sure many of you are aware, the one thing I love more than anything, even more so than finding really creative ways to ask you to smash like button can YouTube algorithm would be credit cards. That's right! These little pieces of plastic, or sometimes more commonly now metal, hold a really special place in my heart, and I spend way too much of my time looking up, which ones have the best rewards, how to maximize the value of my points and how to use these Little things to increase my credit score, which then give me a better interest rate anytime. I go and buy real estate and today, all of that research and time spent analyzing credit cards really late at night is gon na be put to good use because we're gon na be covering the best credit cards in existence throughout six different categories. We're gon na be going over the best credit card for cash back the best credit card for dining, the best credit card for travel, the best credit card with a signup bonus, the best credit card for 0 % interest and then to top it all off.

We'll end it with the best credit card overall and remember the point of this is not to dig yourself in debt or go and buy that cool $ 75,000, robotic dog that will take you 20 years to pay off, even though that might be pretty tempting. Instead, this is really just about maximizing the best value for your spending with money. You would be spending anyway in a situation where you could get free stuff, whereas otherwise you would not be getting free stuff, so sit back, relax. I've compiled all the research for you.

So you don't have to do a single thing. Besides watch the video and smash like button to the YouTube algorithm. Of course I had to say it because a blue, like button holds a very special place in my heart. So with that said, thank you.

So much and let's begin the video first we're gon na be starting off with an easy one, and that is the best credit card for people who want cash back now. I think this is the most important one for people to pay attention to who don't do a lot of traveling or do a whole bunch of random spending and just want to get everything at a slight discount, because this one is going to give you the most Money back at the end of every single month, and that would be through the city. Double cash rewards credit card. It's going to be giving you a limited 2 % cash back on everything, 1 %.

When you make a charge to the account and another 1 %. When you pay off the balance, it's that easy! That's right! You can now get 2 % off that Nicolas Cage pillow case your girlfriend has been begging you to get for her birthday. You could also get 2 % off every single time. You buy a Picasso.

You could even get 2 % off the sponsor of this video. If I had a sponsor of this video now, what makes this card so good is that the 2 % cashback applies to anything without any limits, whereas instead a lot of credit cards will give you slightly less or give you more cash back on certain categories within Certain time frames and then put a limit on how much cash back you could get. For example, the discover it cash back card can give you up to 5 % cash back, but every three months it's going to be a different category and up to $ 1,500. But with this one you never need to remember which categories are in the right season or which cards to pull out in which spots.

So you never need to go and remember like oh, it's Mondays. So if I spend money at Ruby, Tuesday's I'll get 5 % off in the month of October. You never have to remember that all by the way, with no annual fee - and don't just take my word for it - we could go on their website and see what other people are saying about this card. It's pretty good.

This user said great card. It's great. This person said really liked the card, or this one awesome and h-town said nice card. Imagine of my reviews are like that by the way, just no context whatsoever.

Just this awesome nice card end video, but at least one of their reviews was a little bit critical of this card and here's what they had to say about. It only reason for four stars, because everything has room for improvement, but now we're gon na be moving on to the next category of this list, and that would be the best credit card for travel. So, even though a lot of people right now are not traveling. The one I'm about to mention still offers a ton of flexibility, and it's really easy to get your money's worth with this one, and that would be the Chase Sapphire reserve.

To start this, one is going to be costing you five hundred and fifty dollars a year as an annual fee which, on the surface, is a lot of money, but this is one of the few cards where, if you know how to use it correctly, you can Actually make a lot of money from it. So here's how you could do that one, the signup bonus you're gon na, be getting 50,000 points when you spend $ 4,000 on the card within the first three months, and those 50,000 points are worth seven hundred and fifty dollars when you redeem it through travel or Straight-Up, just cash back now before anyone inevitably comments and says something like butt grab, you have to spend four thousand dollars just to get 750 dollars back. That's a bad deal, your music money. Well, that's not really how it works.

If you are just going to naturally spend four thousand dollars over the next three months anyway, then you may as well put it on this card and get money back, whereas otherwise you would be getting nothing and if you cannot organically, spend four thousand dollars on the Card within the first three months, then I don't recommend you get the card and it's best to hold off for now problem solved anyway. In addition to getting 50,000 points worth 750 dollars, you're gon na be getting a three hundred dollar annual travel credit towards anything. Travel related that includes hotels, parking meters, Airbnb, uber, airfare timeshares, you name it and to me this is really just like free money, because all of us inevitably will probably be spending $ 300 a year in this category anyway. Now, you're also going to be getting a hundred and twenty dollars statement, credit towards doordash deliveries and free pass for two years, which is worth another $ 120 a year, you're also gon na be getting one year of complimentary, lyft pink.

When you activate the service using your credit card - and that is worth two hundred and forty dollars - you're also gon na - be getting free, Priority Pass lounge access for yourself and up to two guests anytime, you travel you're, also gon na be getting complimentary, Global Entry or Tsa PreCheck, which works said to be about a hundred dollar statement, credit every four years and you're also gon na, be getting so many other perks and services that are just too much to mention here. Oh and also a brand new feature that just went into effect on July 1st, the credit card is going to be giving you five times points back on instacart five times points back at gas stations and ten times points back on streaming, and this one is actually Really good I'll share with you how much it's worth, though I could travel recently. The Chase Sapphire reserve now has what's called a pay yourself back feature where you could redeem your points for a value back of one and a half cents each. So if you have a thousand points, you could essentially redeem that back for a fifteen dollar statement, credit.

That means, if you go to the gas station and you get five points for every one dollar. You spend that's essentially the same thing as you getting seven and a half percent back on money. You spend at gas stations, which is a lot or you could also get 15 % off any streaming services, which is also a lot of money that makes this card really good, even if it does cost you five hundred and fifty dollars a year to open it And right off the bat, if you add up the signup bonus, the travel credit, the door credit, the complimentary lived to pink the value of the Priority Pass, lounge access you're, getting at least sixteen hundred and thirty dollars worth of value for five hundred and fifty dollars Spent - and that leaves you with a profit of one thousand eighty dollars in the first year, just for opening up the card. That's what makes this card so good to get for anyone who loves spending money on travel, even if you're, not traveling, really beyond your own City.

Next, with all of that, travel talk out of the way - let's move on to the next category here, and that would be the best credit card for dining out, and that would be the American Express gold card. What does have an annual fee of $ 250 a year, but it's got so many really good rewards that more than make up for that, especially if you do not do any traveling like to start when you sign up for the card, you're gon na be getting A sign up bonus worth anywhere from 35,000 to 50,000 points, usually when you spend anywhere from three to five thousand dollars in the first three months on the card. Now here's the thing with American Express: usually you have to go online and do a whole bunch of searching to try to find the best sign up bonus, offer out there. And then you have to go on incognito mode to try to get the offer, and sometimes it's gon na show up, and sometimes it's not some links.

You'll find are gon na be better than others, and some links will work for some people and not for others. It's kind of random when it comes to that, but just for the sake of this video, let's assume you get thirty five thousand points when you spend four thousand dollars in the card in the first three months, that's gon na be worth anywhere from three hundred and Fifty dollars to seven hundred and fifty dollars back in value, depending on how you redeem it so really just right there, it's more than paid for itself, they're, also gon na, be giving you a hundred and twenty dollar dining credit which works out to be ten dollars. A month towards GrubHub seamless, The Cheesecake Factory Ruth's Chris Steakhouse boxed and participating Shake Shack locations. I'll be honest.

I use this feature a lot, but every now and then I have to remember - to spend this money like oops. It's almost the end of the month forgot to spend the money at the Cheesecake Factory. You got to go. Do that really quick, so it's really not as good as the Chase.

Sapphire reserves overall travel credit that goes towards everything, but it's still good. We're also gon na be getting four times points back on restaurants and supermarkets, which, depending on how you redeem it could be the equivalent of almost getting eight percent cash back depending on how you use those points. So that makes this card really good. Anytime.

You go and buy groceries or go and spend money at restaurants and, of course, because this is an American Express card. They're also going to be giving you $ 100 statement. Credit towards the airline of your choosing, there's also going to be plenty of other benefits. With this, as well like $ 100 hotel credit, when you stay two nights that you could use towards dining, spa and other resort activities, so all in all, if you go and add up all the benefits of this card, including the sign up bonus at minimum, it's Gon na be worth six hundred and seventy dollars all the way up to one thousand twenty dollars.

Depending on how you redeem the points. Personally, I never recommend using these points towards cash back or gift cards, because they give you a really low value for it, but each point can be worth up to two cents in value if you redeem it for travel. Personally, I use Aeroplan. I transfer my points to that company and then I could book United flights through that, at a rate of twelve thousand five hundred points for a one-way flight.

The advantage with American Express is that almost every partner takes them, so you could end up getting some really really good deals if you just know it'll lock. Otherwise, I would say this is the best all-around card for dining, and then you save up your points and can transfer them anywhere else where you could get the best value. But if all you're looking for right now is the best sign up bonus possible because you want some of those sweet sweet points. Well, don't worry.

I got you covered with the Chase. Sapphire Preferred! No! This one is not the reserve. This is the one just below that be preferred and it has an annual fee of $ 95 a year. Now.

This one is really good and wins the best sign up bonus category because they will give you 60,000 points when you spend four thousand dollars in the card within the first three months, and those points are worth seven hundred and fifty dollars when you redeem it towards Travel or cash back like it mentioned chase now, has that pay yourself back feature and with the Chase Sapphire Preferred each one of your points is worth one point: two five cents back you're, also gon na be getting two times points back on travel and dining. So essentially, that's like you getting two and a half percent back on those categories. Now this one, it's a really great signup bonus and it's a good card to get, especially for beginners, but besides that, that's pretty much it. So essentially it's like you're spending.

Ninety five dollars to be able to get back seven hundred and fifty dollars in value, but don't just take my word for it: here's what other people have to say about it on their website excellent! I am very happy. It is perfect very like it and then, of course, we got this. One can't say enough. Obviously, you know there's something to it when there's so much to say about a credit card that you're able to sum it up.

In three words, Bravo next we're going to be moving on to a slightly different category, and that would be the best credit card for 0 % interest which, during a time like this, can be a really useful feature, see here's the thing. Ideally, in a perfect world, you would never carry a balance on a credit card ever you'll always pay it off in full. You'll never pay any interest and you're not going to be disrupting your credit utilization, which is the amount of credit you have available to you versus how much of it you actually use, which the lower that number, the higher your credit score is going to be. But let's be real, we don't live in a perfect world.

People have financial issues, they don't have the savings to pay for it and they need a really low-cost option to hold them through, and that is where this card comes in normally most credit cards again charging you some outrageous interest rate between 15 and 30 percent, which Is just unacceptable, but as an alternative to that in a last case, resort putting your expenses on a card like this temporarily until you could pay it down in full, is a good way for you to get 0 % interest and not be out of pocket. Even more money than you need to be now, we will say that this one was a really tough one for me to rank, because there's a lot more to take into consideration. Besides, who has 0 % interest for the longest time period? Because if that's all you care about the US bank, visa platinum will do that and give you 20 months of 0 % interest with no annual fee. Besides that, there's really no other benefit or perks to the card, but hey at least you get almost two years of 0 % interest on a card with no annual fees.

So that's pretty good. Now the city double cash card is also going to be giving 18 months of 0 % interest on balance transfers. So if you already have debt that you want to move over, that, one could actually be a pretty good option. But if I'm going to be ranking the best overall, 0 % interest rate credit card that I got to give that to the Capital One Quicksilver card.

I like this one, a lot because they don't charge you any annual fee, they're going to be giving you 0 % interest for 15 months on both balance, transfers and purchases. They'll give you one and a half percent cash back and they will give you a hundred and fifty dollar cash bonus when you spend five hundred dollars in the first three months, so yeah you're going to be getting five fewer months of 0 % interest. But let's be real 15 months of 0 %. Interest is a long time and on top of that, you're going to be getting cash back, and on top of that, you'll get a hundred and fifty dollars when you spend five hundred in the first three months.

So, from my perspective, in most situations, this one would just be the clear winner but sure if we're just gon na be going with 0 % interest for the longest, then the US bank credit card is going to be the winner on this one with twenty months And I'll have you decide which one, you think is better for your situation? And lastly, we have the final award designation for the best overall credit card that I've not yet mentioned here. This is the card, that's not necessarily best in one specific category, but it's just really good at a whole bunch of things it's like the jack-of-all-trades and that would be the chase freedom. Unlimited two starts: there's no annual fee. So there you go, it's not going to cost you anything you're, also going to be getting one and a half percent cashback unlimited on everything and five times points back on, lift which is awesome, you're also going to be getting $ 200 cash back.

You spend $ 500 in the first three months on the card, which is even better than the capital. One Quicksilver card angel pays 0 % interest for the first 15 months on all of your purchases, so what's not to like now. This one is very similar to the Capital One Quicksilver, except it does have a foreign transaction fee. If you go and use this card overseas, you're gon na be charged that, and it doesn't allow for 0 % interest on balance transfers, but with chase you do get a slightly higher signup bonus and there's a little bit more flexibility.

In terms of where you transfer your points to to get a slightly higher valuation in the right deal, so that's why I'm giving this one to the chase? Freedom, unlimited, it just barely beats out. All of the other cards is one of the best ones to have in your wallet and the $ 200 signup bonus is really nice for a card like this, with no annual fee plus reading. These reviews on their websites are just too good not to include in the video like this one just says, works good stuff or I don't know how to say it, but it very good or this one says 10 stars love it, but they only rated. It 3 stars anyway, if you have a chance, I'm going to be linking to these reviews down below in the description when you're ever bored.

If you want to go and give them a read, they're really funny. If your threshold funny is really really low like mine, there we go. Those are my top six credit cards in each of their categories. I'm sure some of these are eventually gon na be changing over time, which is why a video like this constantly needs to be updated, but as right now here you go.

Those are my thoughts and now could be the time to add on to your credit card collection and maximize the benefits of every dollar. You spent get some of those sweet sweet points and smash the like button for the YouTube algorithm. So with that said, you guys thank you so much for watching. I really appreciate it make sure to subscribe and hit the notification bell also feel free to add me on Instagram, I post here pretty much daily.

So if you want to be a part of it, there feel free to add me there. As on my second channel, the grand stephan show i post there every single day - i'm not posting here. So if you want to watch a new video for me every single day, make sure to add yourself to that and, lastly, speaking of all this free stock fit, you could get if you guys want to free stocks, use the link down below in the description and Weeble is going to be giving you 2 free stocks when you deposit $ 100 on the platform with one of those stocks potentially being worth all the way up to $ 1400. So if you want those two free stocks uses only down below in the description, let me know which two free stocks to get.

Thank you so much for watching and until next time.