All right. so you've just clicked on a video that I'm confident will change your life for the better. This is because I'm going to do something that has never been done before. I'm going to teach you what schools will never teach and give you the complete ultimate guide on how to access one of the world's most powerful tools that the ultra rich and wealthy have mastered for centuries.

This tool here affects the home you live in. the type of car you drive, it can affect whether you sit in the back of the plane paying for every single one of those flights, to sitting first class all completely for free, getting served drink and food. Not only that, but it can affect the business that you decide you want to start one day. Now look, how do I know all this well? I've been there from sitting in the back of the plane constantly next to literal turds flushing down next to me through a 2-in wall, to now flying first class all around the world.

from driving my $5,000 Ford 500 that broke down constantly on the side of the road, to now owning three of my dream vehicles, to living in an apartment where I literally got chased down with a knife, to living in one of the best neighborhoods here in Maryland the last few years wouldn't have been made possible if it wasn't for all the things that I'm going to teach you in this video here today now. I Have a deep conviction that financial literacy is one of the most important skills to learn, because if you don't understand how this works, you can put yourself into debt or even worse be stuck in the same poverty Rat Race that millions of Americans are still barely crawling by. This video is going to be completely free and it's made up of my near decade worth of experience from learning it, doing it, and still practicing what I teach on my channel every sing single day. By the end of this video, you're going to know everything there is about utilizing this tool.

You're going to know exactly how to get started in your journey and all I ask is that if you find any new value at all from what I give you today, go ahead and drop a like down below and look, you don't have to do the next part. but if you comment, a word of encouragement I won't be shy to say that I really appreciate that too. It makes this whole thing of me talking to a camera which is look not the most natural thing in the world a whole lot easier. Now enough chatter for me.

This tool that I've been talking about is called credit so credit is used all around us. It's what has allowed great countries like the United States get to where we're at today. It turns out capitalism was built on credit and it laid the foundation of where we are as a society. Tech Giants and Silicon Valley who birthed companies like Airbnb Uber Facebook and more needed credit from investors to get to where they are today.

It turns out even Elon Musk one of the world's richest people in the world bought Twitter with credit, not cash. Look, even at student loans, they're one of the largest form of credit that gets extended to students every single year. Small businesses, they're the backbones of what makes this economy so great. And most of them start their Journey with utilizing credit from Banks and other entrepreneurs even our very own Government utilizes credit daily through borrowing money constantly from bonds and other instruments to fund our Health Care Military and central government.

Now the way credit works is super simple. Imagine this: You and I are sitting in a classroom at school and I want to buy a chocolate bar for 10 bucks, but I only have $5 in my pocket So you respond to me with this okay, Brian I'll lend you the five bucks, but when you pay me back tomorrow, you owe me an extra $3 on top of that. Now that $3 is what we call interest for borrowing money. At this point, you have just extended to me a credit of $5 and for me to use that I then pay you the $3 in interest.

Now with your $5 I Can now put that together with my own $5 that I had to buy that $10 chocolate bar and at a later date pay you the $3 that I owe to you for letting me borrow some of your money. Now say I decide to take your money and not pay you back What I owe and yes, I ended up keeping that chocolate and it was delicious by the way. But what I did was not right. You're a person of Honor Okay, and you don't want what I did to you happen to others.

So you decide to report me to the principal of the school. So the principal calls me in something I'm not unfamiliar with by the way and they said look Brian since you don't pay back your debts on time, we're going to warn others about you and give you a public score Say $500 out of 850 so that they know to be careful about extending credit to me. So what I explain to you is how credit works and how even the principle of a credit score is developed in the real world. Now in the real world, there are three main credit bureaus called Equifax Experian and Transunion.

Now here's where things get juicy. It turns out, if you pay your credit back on time to these big Banks and companies, you never have to pay interest at all, but instead you can actually make money as a reward for the act of borrowing the bank's money and then paying it back on time. So I currently have over 20 different credit cards and in the last 5 years I've recruited millions of points which is currently worth anywhere from $30,000 conservatively to over $100,000 that I can use freely at any time. Now, the reason why there's such a high discrepancy where it can go as low as 30 grand to as high as 100 Grand is through what we call: Redemption If I use my points for just cash back, I could redeem one point to one cent.

On the other hand, if I use those same points for travel more specifically, getting first class flights, I can get a greater Point Redemption where instead of my points being worth one cent to one point, it could be worth 5 cents to even 15 cents per one point instead. as an example, the American Express gold card one of my favorite cards and the first metal card that I ever got, had a welcome bonus offer of 60,000 membership. Reward Points By the way, membership reward points is just the banks own lingo. Chase has ultimate Reward Points City has thank you reward points Capital One uses miles instead of points, but at the end of the day, points or miles, whatever it is, they're all worth one point to 1 cent.

So an easy trick to do in the world of credit cards is if you're trying to calculate the value of what your points are worth, just go ahead and take off two zeros. So 60,000 membership reward points with two zeros knockdown is $600 That's how much that welcome Bonus would be at its base rate. Now, the requirement here is that in order for you to earn $600 you need to spend $66,000 in 6 months. So that means every month if you're able to spend $11,000 for those 6 months month, you're going to be able to get that prize of a minimum of $600 cash back.

So what we just covered was your typical welcome bonus offer when applying for a new credit card and this is how you stack up points and Miles the fastest and efficient way. But even on top of that, credit cards also give you a small amount of points or cash back on every purchase you make. Look, unless you're living under a rock with just about any credit card I'm sure you've heard the term you can get one to 4X back on your spend. As someone who even now is skeptical of anything that sounds too good to be true growing up, that was especially the case when it comes to me finding out about credit cards for the very first time for a while.

I Tred To wrap my head around it, but I couldn't get it I Used to ask myself how on Earth can these companies go out and pay me free money for me using their own money? Now if you're wondering that, it's a valid question and it turns out that there's actually three main reasons, so number one, some cards are lost leaders. A great example is the Chase Sapphire Reserve which was a card that gave away so much money to card holders that it cut profits for JP Morgan Chase by over 300 million bucks. It turns out banks are willing to take a loss on certain products because they know they have other products that they can make money on over time like auto loans, mortgages where unlike credit cards, you must pay interest back on it regardless of even if you pay back your payments on time in full. The second reason is that credit card companies make money from The Interchange fee so you may not have known, but whenever you use a credit card, retailers have to pay a credit card merchant fee also known as interchange when you go to the whole the wall Asian restaurant and they say no AMX or no credit card cash only.

it's because they're saving a couple dollars when you use cash because they all get charged that credit card merchant fee. So here's what that fee looks like. You'll notice that even some issuers like AMX will charge upwards of 1.43% to even as high as 3.3% on a purchase. So the third and final reason is that there are always going to be people who end up using credit for the wrong reason and they end up paying interest on that amount.

America's total credit card debt came in at right over $1 trillion in the third quarter of 2023, leaving the balance the highest since the New York Fed began tracking in 1999. So those people who pay interest on their cards are also the same people that are help funding the free points and cash back that you and I can get. So to simplify things even further, just imagine this. There's two types of people.

one the person who has credit card debt with the system working against them. The second person which will be you by the end of this video is by the way beautiful, handsome, talented, charismatic, and just overall amazing human being is a person who has the whole quote unquote rigged system working for you. A few years ago, I was featured in one of the highest viewed Netflix documentaries called Money Explained and on an episode they did about credit, I was representing the person you're on your way of becoming where the system was working for me. Look, I've been in this game for quite a while now and there's no secret.

there's no big evil rigged Matrix out here to get you. The way it all works is actually very simple and it's as easy as you getting a new credit card. You use that card for your spend, you turn on autopay and you only spend money that you know you have and you win. It's just that there's going to be some people who won't ever see a video like this and overspend on those new Jordans or that new Gucci bag.

Knowing well enough, they have less than 1,000 bucks to their name, so this should all seem easy enough. It's pretty straightforward, but this is actually just the beginning because what I have for you in this video isn't just about educating you on the basics of credit and how credit card points work, but I'm going deep. I'm going to walk you through the full updated credit card road map that it took me a near decade to complete and to master. from that, you're going to have full clarity on knowing the best credit cards to get started with.

From there, we'll go over how you can redeem the potential millions of points you earn from following my road map to extract maximum value so you don't leave a penny out on the table. I'll then share with you the secrets on how you can get approv for any credit card because it turns out even if you apply, the banks can still reject your application. We then go over what you can do to get a perfect 850 credit score. I'm then going to go over easy ways for you to get points that are worth thousands of dollars without much effort.

and I'm going to share with you the exact steps on how I was able to leverage my credit to eventually buy one of my dream cars a few years back. Towards the end of the video, I'm going to go over probably the most important thing which is knowing the Cardinal rules because if you break those very rules even by mistake, it could cost you everything. So I'll go over solutions to making sure that it doesn't happen to you. So this video here today is going to be packed with a ton of great information.

I'm pretty much condensing all of my knowledge all the best videos that I've made into this one entire full guide here. With that being said, let's get started all right. So when it comes to the credit card game, there are going to be four main issuers you have: American Express Chase Capital One and City Bank. Aside from them, you're going to find different bank and credit union cards which are still not bad.

but I would say the first four that we mentioned are going to take precedent over some of these other cards within the bank and credit union cards. US Bank is a a very solid Choice Navy Fed is still pretty good and you also have Bank of America. From there we have different store cards. Now there are going to be good store cards, mid-tier store cards that I would say are decent and then you have your bad co-branded cards your good store cards I'd consider Apple to be a decent Choice There are still going to be options better than Apple but it is not a terrible card by any means.

You have your Amazon Visa card. This is something that I use for my Amazon purchases and it allows me to get some additional cash back on my spend. and if you're someone who's spending a lot of money on Amazon Prime Things like that: this is a card that I would still consider at some point. Another example is a city Costco card.

If you're buying a lot of stuff from Costco and they're not accepting your American Express it's also another good option for you to earn some cash back. Some decent co-branded cards, you have the Best Buy card. The reason why this isn't too bad is because they have like a no interest payment period. but you also get additional cash back.

And things like the instacart master card is not a terrible card. It's not something I would prioritize, but like I mentioned earlier, these are viable. I would keep your eyes out on bad co-branded cards. There are some that I would never never touch.

and that's because of this reason here Say as an example with the Old Navy card. the welcome bonus offer is that I'd get 30% off my first purchase that I use with that card at Old Navy compared to an American Express Platinum Card where I can earn up to 9,000 membership reward points that is a value at conservatively $900 cash back. If you look at the example here, it's a no-brainer for the amount of money that you can get Now I Know a lot of people might be wondering then Brian Well, why don't I just apply for all of the cards I can still at least get a little bit of cash back from Old Navy Well, the reason why you want to think twice about that is because of these two main reasons. Number one: the Chase 524 rule Chase is going to be a prime issuer.

They have a great ecosystem of cards. They've had a rule for as long as I've remembered where if you've applied for more than five credit cards within a 24-month period, you're going to get automatically declined for one of Chase's products. The second reason is that credit card denials can happen if you get too many approvals within a short period of time. So what is the process then for getting the best credit cards? Well, this then leads to my recommended credit card sequence.

Here on your screen, you're going to see a credit card sequence that I've methodically laid out so that you're able to maximize all of the different rules and workaround so that you can get the most amount of points possible. This is first going to start with the Capital One Sa One credit card which I'd consider to be one of the best credit cards for this year. Now the reason why I Think this is a great starter card no matter where you're at within your journey is because Capital One is an issue that's a lot more lenient on newer applicants and people who are fresh to the credit card game by taking a look at the benefits on your screen. I Mean it just blows so many credit cards out of the water.

You can earn $200 after you spend $500 on your card. This makes for a great beginner card. You can earn 5% back on hotels and rental cars. Booked through the Capital One travel portal, you can earn 3% back on dining, entertainment, streaming services, and grocery stores, but you can find yourself getting 10% back on Uber Eats and Uber purchases which is crazy This this is through November 2024 and then you can also get a free Uber 1 membership fee.

So when it comes to this being your first card, definitely prioritize getting that welcome bonus offer. Getting the routine of building your credit so all you have to do is sign up for the card, use that card to make purchases, and then set up autopay and make sure that you are never going negative or leaving a balance on that credit card. It is from there where you're then going to look into getting your first Chase product. So the Chase Freedom Flex is the next card that you want to get because of the 524 rule.

As we mentioned earlier, they have great card options and an upgrade path. They have over 20 different credit cards that you can get, but most importantly, Chase also has a great ecosystem where you can really work up the ranks. So Chase has affiliation with JP Morgan they're literally the same product and JP Morgan has some of the largest Assets in the world now. I Used to bank with a variety of different people small banks in my local area, but I come to realize that the safest bank is probably going to be the one that is the biggest when it comes to recognizing the whales in the space.

JP Morgan is is no exception. This is why I decided to build up my relationship with them because even after you get the freedom Flex card they're going to have a variety of different programs like Chase Private Client or even their invite only. super exclusive JP Morgan Reserve card where you can only get invited to this card if you have over $10 million of assets with Chase Now I know that's a high number. most of us probably won't even be able to hit it.

Most of us probably don't even care to have $10 million in assets, but it's always good knowing that there are certain banks that still allow you to climb up just in case that you are Ultra successful. I'm also a member of Chase Private Client I've been with them for many, many years and let me tell you, the benefits are fantastic! I Get priority with a lot of services with Chase if I walk into a branch and they know I'm JP Morgan Private Client they treat me with a lot of respect with Chase Private Client You also get better preferred rates. so if you ever get a home, a mortgage, you get an auto loan, they're going to be able to give you some better rates than you would find at different credit unions or Banks Now when it comes to Chase, they are one of the issuers Where they're a bit more sens itive to new applicants. They prefer you to actually build your credit with someone else and that's why Capital One Saver One is going to come clutch in that.

but even after that, sometimes depending on what your score is and your history, they still may not approve you for one of their cards. If this happens to be the case, here's an alternative that you can do in order to boost your chances of success. So Chase came out with a new product called the Freedom Rise several months back and this is a lower tier card. You're not going to get the same full benefits as the Chase Freedom Flex, but you're going to be able to get a product with Chase and this actually happens through you opening a checking account, linking that with your account applying for the Freedom Rise.

The way this works is that the Chase Freedom Rise card is going to give you an increased chance of approval if you get one of their checking accounts. So a checking account is generally free. There's actually a lot of different ones that you can get some of them If you have no money in it, they're going to charge you a small fee, so make sure that you do your full research. but they have a lot of beginner friendly checking accounts that you can open.

Then you get the Freedom Rise Card and then from there you can upgrade to the Freedom Flex Or later on, you can apply for the Freedom Flex again down the road so that you're able to qualify for the Welcome Bonus. Keep in mind when you upgrade to certain cards, you're not eligible for the Welcome Bonus offer. You have to actually apply and get approved to get the Welcome Bonus offer. Where on the Freedom Flex it's usually around $200 as their standard rate unless you're someone who really doesn't care about money and you like just tossing away $200 I Would definitely prioritize eventually getting the Freedom Flex not as an upgrade, but reapplying later down once you complete the first part of the sequence.

Now if can I'd say a majority of you, as long as you have a score of at least 680, you should just get approved for the Chase Freedom Flex directly. But this is going to be another alternative choice for anyone who happens to get denied from there. Here's a card that is a sleeper card and a Mus have essential for anyone who rents. It turns out a lot of people Rent: I Was renting just a few years back and for my rent I was paying anywhere from $2,500 in my first apartment to the last apartment when I was going month to month before my house was available for me to move in.

I was paying pay around $4 to $5,000 a month in rent payments. So in a single year I was paying about $48,000 to live in that apartment. The beauty of the Built MasterCard which is also a newer product. It's something I wish was around back when I was paying that much rent because it would have been free money $48,000 of spend placed on the Built MasterCard which is a product which has a superpower that reimburses all of your rent charged processing fee on a credit card and they're going to go ahead and send a check to your landlord for your apartment where you pretty much earn free money on the rent that you have to pay anyways.

So $48,000 would have been about 48,000 points which on the most conservative side is $480 cash back that you would get per year now. Bill also has some of the best Transfer Partners in the game. I still have my Built MasterCard to this day and I still find a ton of value Now if you can't get the built Mastercard or you don't have rent to pay, a good alternative is still going to be the Chase Freedom unlimited. This product is very similar to the Chase Freedom Flex.

You would just get 1.5 X Unlimited on this card with a few additional added benefits. So at this point within the sequence, it should take about a few months minimum for you to get into Stage number three and this would then segue very well Where after you've held about one or two different Chase products, you have a few other credit cards with other issuers. You've learned to pay it off in full on time. You want to then look at your first annual fee credit card.

Now this year is going to be a big step, but it's not going to be your big boy card yet. The Chase Aire Preferred allows you to get a travel credit card without having to fully commit to one that has a high annual fee. At the time of filming this video, they have a public welcome bonus offer of earning 60,000 points which is worth about $600 one to1 after spending $4,000 in the first 3 months. Chase values it on their site at a value of $750 And that's because with this card, you get access to the Ultimate Rewards portal which gives you an automatic 25% boost on your points when you redeem it for travel.

Now the Ultimate Rewards portal is really straightforward: American Express has their own version of the American Express membership Rewards Travel portal Capital One has their version too and simply put, it's just like Expedia You can go ahead and book hotels airfare through it. You just put in your travel dates and then it'll tell you how much it costs in cash and in points. Now this card also gives you a ton of different benefits. has an annual fee of $95 This means every one year it's going to charge you $95 to hold this card.

But if you take a look at the welcome bonus offer you get and even just some of the different credits like the $200 back you get or the $50 you get in statement credits on hotels, you realize that you still have an extraordinarily High Break Even fee. Now your break even fee on a credit card is simply the annual fee that you would pay versus the return on benefits you get. So if I pay $95 a year to hold this card, but then I get over $1,000 and free cash, back points and more I would subtract that full value I received from the $95 annual fee to notice that I would then get a Roi of over $900 If I wasn't able to get over $95 in benefit benefits, then I would simply be breaking even on this card. And unless I wasn't able to get that welcome bonus offer, it's a card that I would reconsider on applying for at the end of the day I Need to stress this credit cards are meant for you to get so that you can get positive Roi from if at any time you're breaking even or you're unable to hit that welcome bonus offer I Would wait until we get to the section in this video where I go over how you can hit welcome bonus offers without spending extraordinary amounts of money or forcing yourself to overspend which could then lead you into debt.

Now following that, this is where things get super interesting. We start touching upon these products here and these are going to be your Chase Inc Business Cards Now Business credit cards are important for these six reasons. First of all, this is where you get the most amount of points through those welcome Bonus offers. A lot of the times the highest welcome bonus offers actually lies in business credit card products.

The only caveat to this is that you have to spend more money in order to hit those. But like I said, we'll go over that later on in this video for me. I own a ton of different business credit cards I have all the Chas Inc Business cards I have the AMX Business Platinum card and more and if if it wasn't for those cards, I wouldn't have nearly the millions of points that I would have today if business credit cards wasn't available. Number two: Certain business credit cards don't impact your personal credit.

So it turns out everyone has a personal credit score, but you also have your own business credit score. With certain business credit cards, they actually don't report onto your personal credit. This here includes the chase in cards that I'm mentioning here because these Chase in cards don't show up on your personal credit. This does not add to that Chase 524 rule allowing you to get more Chase products within that 2-year period.

The fourth reason is that you get more variety and cash back on your spend. When it comes to personal cards, they're usually the same categories. It's travel, it's food related. It's dining out groceries.

But it's with business credit cards where you can start earning cash back on a variety of different things like office stores, your phone, utility bills. If you ever are running ads, you get cash back on that. It's pretty much a wider umbrella for you to get even more points on the spend that you happen to already be doing. The fifth reason is higher credit limits when it comes to personal credit cards cards.

When I first got started into the game, I would get credit limits of $2,000 $5,000 and it wasn't until I got my first business credit card where I was getting credit limit of 10, 20 or even $30,000 Even now there are products where if I apply for it and I request a credit limit increase I can see credit limits of 50 to even over $100,000 It's a lot easier to get higher credit limits on business credit cards because businesses usually are spending more money now. The sixth reason why you want to consider getting a business credit card is because you get much better organization of expenses if you're is in here in the US Even if you're not, you're probably paying taxes and there's no better way to organize your business versus your personal expense through using the right card. Now I Know most people here probably are thinking okay Brian I don't even have a business So this whole section was a waste of time. but that's actually not the case now.

The IRS states exactly on their website what a soul proprietor is which is someone who owns an unincorporated business by himself or herself. So Soul Prop will include things like Freelancers artists, actors, writers, babysitters, dog walk, Walkers food and grocery delivery drivers, or even Facebook Marketplace flippers. If you've ever done anything where you've been able to earn a little side income from, you are a sole proprietor which falls under the umbrella term of being a business owner which then also qualifies you for these business credit cards. So everyone including you can get a business credit card even if you think you don't own a business.

For me, my favorite resources: If I was to get started again and trying to get a business. credit card yet I Don't have a business right now. The easiest one to get started with is going to be Rover. So I have a dog most you guys know I've used Rover for people to walk my dog when I was super super busy and it's great.

This would also qualify you as a business owner because when you get paid the person who has hired you through Rover, you're then going to receive the payment from there. Now the second is an instacart driver. Grocery delivery driving is huge. More and more people are using services like this because they don't want to waste their time at a grocery store, so this is something that anyone can sign up to do.

You also have other options where if you don't want to be physically driving you may not have a car. You can do things that are virtual, so Tutor Me.com is another great resource. You can sign up to be a private tutor to teach other people your native language. If you know how to understand what I'm saying in this video, chances are you're able to tutor someone around the world to teach them the very basics of English which would then also qualify you as being a freelancer or a business owner.

Number four: start your own blog. You can use sites like Squarespace Wix there's even WordPress. There's just a plethora of different resources that you can start your own blog with and then you can get into making content, starting a coaching business, getting into affiliate marketing. By the way, these are all guides that I've made here on this channel, so definitely look them up if you want to learn more about them.

and then the fifth one we have starting an e-commerce store. It's something that I did back when I was about 21 years old. So after you picked out your business, you've gone through the options. It's very simple.

It's very straightforward. So, Number one, go to Irs.gov and get yourself an EIN number. This is completely free. You can pick up a number at any time save that EIN number because that is what you're going to use when signing up for some of these different freelance sites.

and also for when you apply for your business credit CR card. Now the second thing is to get your pay, stubs and expense receipts for your business. So if I'm getting paid from Rover obviously you want to have proof of that so that you can show Chase Hey, I'm applying for a business credit card. Here's how much I'm getting paid from Rover or from Tutor Me.

Here's my EIN number. Here's how much I'm projected to make this year based on how much I've done so far. and it's as easy as that. Congrats on your first business credit card if you guys need any help through that.

By the way, I Have a full walkthrough service with real people called Card Hun .io I Know the act of getting a business credit card is not easy and this is where I have my dedicated people that could also help you guys out through the process. but look if Little Brian Jung that was 20 years old could do it. I'm confident that you guys can too with all the information that exists today, so card Hunter is one option. You can also just go ahead and watch Like My Ultimate Business Credit Card Guide because I go step by step even through the application process on that video.

I'll have that video linked Down Below in the description box of this video here in case you guys are interested. So at this point the two cards I'd consider get getting is the chase Inc Business Cash and the Inc Business unlimited. Now both of these cards have no annual fee and in order to figure out which one you want to get, you just want to look at your own business spending habits. If you're spending a lot on office supplies store stuff, then you may want to consider the Inc cash card.

But if your spend is all over the place and you want to keep it easy, the chase Inc unlimited might be better for you. At the end of the day, you'd want to just get both of these cards because they don't add to the 524 Rule and you want to keep in mind that you're able to hit those welcome bonus offers after you get these two cards. I'd say get the ink business preferred. This is going to have an annual fee, so keep that in mind, but you're going to get a tremendous amount of points from holding this card too.

I've been holding my Inc business cards for many, many years now and these are cards that I would not consider cancelling. This is because these two cards have no annual fees. It doesn't cost me a single thing and even with the Inc business Preferred Card I've been able to still break even off the spend that I do. Next here we have the American Express gold card.

This is one of the best dining and grocery credit cards. It's going to be your first American Express card that you can get. It has has a strong welcome bonus offer and the American Express Gold Card fits within the lineup of generally how American Express wants new applicants coming into their ecosystem. What I mean by that is? They came out with a rule a few months ago where if you apply for the American Express Platinum Card first, you wouldn't qualify for the American Express Gold Card welcome bonus offer.

That's a whole lot of points right there that you don't want to miss out on. So the MX Gold is actually the card that I personally got next. And aside from the Chase Sapphire Preferred Card where I was like wa this is my first metal card. The American Express gold card is where I believe the love for the game really starts kicking in.

Once you do that, get the welcome bonus offer on this card. It's very straightforward to you have to spend six grand in 6 months I'm sure most people are able to do that but I Do know with some of these other cards it's going to be a bit more work. So like I said I'm excited for that chapter to come up. Stay tuned! So after you've had the American Express gold card I Believe this is a great daily driver for most people.

I've made a ton of different videos going over the break even fee and how even after holding this card for many, many years I still find positive value. You then want to consider getting your next travel credit card. Now keep in mind the parameter on getting this card is going to entail someone who actually takes a trip. If you have no trips planned, your budget is tight, you don't want to travel.

you could go ahead and skip this step here. but I believe it's with these travel credit cards you can ACR A ton of points and you really find the value of some of these higher end cards. So these three travel credit cards is going to be your Capital inventure, ACC card, your Chase Sapphire reserve and your AMX platinum card I Consider these to be like the three Pokemon where they've evolved and they are like the steroid version. You got your Charizard you got the turtle.

Okay, I've been out of Pokemon for a while. What is it bulbas? No, it's not. B Blastoise Venusaur All right, your boys got it now. Although these three cards are still very similar, I've managed to break it down for you.

So the Capital Inventure X card is actually what I consider to be the most affordable and still has a ton of great benefits. So if you're just putting your foot into the door of all this, you got a tight budget, you keep an eye out on all your expenses. Okay and say you're like me you go to Chipotle You tell them hold out on the guac because you know it, it's actually mad expensive Capital One Venture X I Think is a great card for most people I Still have labeled this as one of the best credit cards for this year. The Capital One has gone ahead and just added so many jam-packed benefits for now.

the chasea I Reserve another great card but I'm going to go over in a little bit. Why I'd hold off on this card. and if you're someone who really values like the AMX Platinum Card you get all the benefits. You know that you're going to use a Saxs Fifth Avenue and all the lounge access that you get.

and this is a card that you really really want. I'd say you could also get this too. The American Express Platinum card is going to have an annual fee of $6.95 Uh, it's going to have the most status benefits. So with Marriott Hilton Uh, even at different car rental places they're going to give you status benefits where normally people would have to spend x amount of nights at that hotel or x amount of different drives that they've done with that rental company for you to get.

But you can skip all that if you hold on to this card. So as I mentioned, the cards that you may want to consider getting is going to be between the Venture X and the Platinum I'd Personally, just get the Capital One Venture X. It would store very well with the original Sa One card that you have and the Chase Sapphire reserve. The reason why you may want to skip that is because we already got the Chase Sapphire preferred.

and there is one little rule called the Chase 48 month rule where if you get a Chase Sapphire product within the last 48 months, you're not able to qualify for the bonus on the reserve. So what I did was I waited a full 48 months. It's about four years until I reapplied for the Chase Sapphire Reserve because I didn't want to miss out on those points. So instead do this: get the Capital One Venture X Card Get used to a travel card to this degree and then get the AMX platinum card after that.

When it comes to the AMX Platinum Card you need to prioritize this. You need to make sure that you understand how to find the welcome bonus offers because unlike the Capital One Venture X card where usually the welcome bonus offer is stable. And by the way, on the topic of welcome bonus offers, if at any time you guys are looking to apply for a card, it could be Now it could be a year later down the road and you remember that Brian Jung had taught you this stuff. You can use my links which cost you nothing at all in signing up and allows me to continue making free content just like this.

If you have family members or friends that have a card by the way, just use our referral link so you guys can help each other out. But if you don't ever have a referral link and you want to support a channel, come back to the content. I Have look up our website, use our links because it helps us out a ton. So going back to it, the American Express Platinum Card actually has some limited time welome bonus offers that you can find with different rates.

So I've Seen It Go as high as 150,000 points that you can get back compared to the normal 880,000 points. Now this one is a bit rare. I Don't see it too often. If you get this, you're very, very lucky.

But what I have seen more commonly is 100,000 Mr points or even 125,000 Mr points by taking this few steps. So number one, check just American Express's website directly to do this, you can go ahead and use my affiliate link down below see if you get a better offer and sometimes y'all get lucky. The second way is to use the Card Match Tool which is also linked on this PowerPoint which I'll give you guys access to Down Below in the description of this video, Sometimes a Card Match Tool is going to give you that 125,000 membership reward Point offer I've seen many instances where the Card Match Tool does give people an elevated offer on the platinum card. Now from those two methods, if you're unable to find the offer, you can always get a personal referral link from a friend or family member and check what they have I Checked my personal referral link, it still came out as 80,000 points, but your miles may vary.

Someone might have a 100,000 Point offer in their account. If you know they have a platinum card, it doesn't hurt to reach out. So ladies and gents from there we got the gold card. We've gotten one of our premium luxury travel credit cards and from here you're going to notice that we have some cards stacked on top of one another.

This year is going to be your hotel credit card. It's also going to be your co- branded cards and your airline cards. and this is going to be completely up to you depending on the places you shop, the different hotels that you prefer to stay out, or even some of the airlines that you like riding versus others. Now there are a ton of these different cards I actually have the World of High Card.

It's a great card and it's something I'd recommend for most people because the way these cards work is that you pay an annual fee on most of them, but you can get a benefit like getting one hotel night for free. As an example, with the World of High Card, if I'm I'm paying $95 a year to hold this card, but I can get one free Hotel credit every single year, but that hotel room costs $150 or even $200 and then I get all the status that this credit card gives me. I'm getting positive value. Now if you are a home body, you ain't traveling that much.

You may not consider a hotel card or an airline card, but other co-branded cards like for example Amazon might be of more value for me. I do a lot of shopping on Amazon I get 5% back on all my spend and this is why I Still consider cobranded cards to be a viable option, especially eight game if you're looking to maximize your spend even further. after that, what you want to focus on is hitting more welcome bonus offers. at the end of the day, that small little 2 to 4X cash back you get isn't going to ur to be much, but where you get a majority of your points is going to be through hitting welcome bonus offers consistantly year round.

This is how I was able to acrew those millions of points in addition to the methods that I'm going to share very soon. So at this point you're going to have a ton of different credit cards enough to fill up your own credit card binder and this is going to be your foundation of having those millions of points coins. Following this, I'd consider getting different products here within my sequence I have the American Express Business Platinum card, but it's entirely up to you. If you prefer the Blue Business Plus card or the Blue Business Cash card or anything else, this is where you choose the different cards and products that you now want to get custom to your own spend.

All right. So ladies and gents, if you have made it up until this point, first of all, take a deep breath yes, hold that and exhale. You've made it to about the halfway point here. If you haven't done so already, go ahead and drop a like because I'm sure you got a little bit of value hopefully from some of the stuff that we've been teaching and going back into our credit card sequence.

We have the full Foundation of what we had set up, but going into it, there is one Advanced strategy that I wanted to talk about here. This is not going to apply for a lot of people and if it does, it's going to apply for you maybe 3 to 5 years later down the road. so don't forget about me in this video here. Okay, you can always save it, bookmark it or I'm sure if you search up the Ultimate credit card hacking guide, this is still going to be the one that pops up for you.

Uh, but you know a way that you can actually go ahead and make sure you don't lose this chapter and remind yourself is just by commenting the chapter note because whenever you pull up the video again in the future, it's going to show up as the top comment for you to go back and click on. But right here this is going to be a super endgame strategy and it starts with the Hilton Aspire card. Now this card here is very special because it's one of the only credit cards that allows you to get diamond status which is the highest status you can get am miss a hotel without having to stay at that property for hundreds of nights. Amongst the different hotels we got, Hayatt Marriott Hilton IHG Those are going to be the main ones.

Outside of that, you're going to have local boutiques, You're going to have your little airbnbs, but those are going to be your four main different properties. Marriott's going to own the most amount of properties all around the world. They have a huge footprint. This means you can generally find a Marriott property all over the place.

And the way hotels categorize the niceness or like the luxury of those different hotel properties is by using different categories or organizations within their system. All right. So just as an example, marot, they have a ton of different options. It usually is separated from one end of the spectrum where you have luxury Brands which would include things like the Ritz Carlton or the JW or the W hotels.

And it also turns out anytime you have a hotel that has the letter W, it's usually one of their nicer ones. Uh, but if you go on the other end of the spectrum, they'll call these long-term stay hotels where they allow you to have a kitchen in there and you have more flexibility and it doesn't cost as much but you would not see the luxury and the quality am miss the luxury Brands as we just spoke about. Even with Hayatt, their hotels are separated by different categories. so you have Hotel category 1 all the way to 8 and the higher the number a category 8 hotel would indicate that it's a much nicer hotel room.

So going on their website you'll notice that they have a Park Hyatt a grand Hiatt their Hiatt Regency and these are properties that I've stayed at all around the world and they are very very nice but usually going down the list. It also depends on the area and sometimes it could be a hi High house that is nicer than a highy Regency It just depends on when the hotel was also made and the upkeep behind it. but generally your h house is going to be detailed as in being located in urban airport and Suburban areas with apartment style suites and full kitchens so it really just depends on what kind of living condition you're looking for. Sometimes on my trips I prefer to have a kitchen I want to be cooking some ramen noodles up at midnight if I want to rather than if I'm at a five-star hotel and everything costs an arm and a leg.

Now we went a little bit off track, but the point I wanted to make is that with these hotels they all have their own credit cards. Some of these credit cards have high Annual fees like the ones that we're talking about with the Chase Sapphire Reserve or the AMX Platinum But then they have some no annual fee cards too. If you happen to be a diard Marriott fan, you may want to consider getting the Marriott Bonvoy Brilliant versus the Marriott Bonvoy Boundless where you're not seeing too much benefit. As an example, the Marriott Bonvoy Bold Card here has no annual fee, but you're not going to get nearly the same benefits as you would with the Bonvoy Brilliant.

The Bold card is not going to give you any benefit. You don't get any type of status as you would with some of the other cards where even with a tier up compared to the $95 annual fee Marriott Bonvoy Boundless Card, you're going to be getting 15 Elite Knights and then silver Elite status versus even the Brilliant. Here you get Platinum Status You get a $100 Marriott Bonvoy Property credit. You get the one Free Night award and if you look at this sometimes you're allowed to then redeem this night award credit for a better Resort at a better category.

With this card, you're also getting 25 Elite night credits. You get a $300 dining credit, but it does come at an annual fee of 650 bucks. Now, if you happen to be someone who's traveling a lot, you know that you're going to be enjoying those Marriott properties then obviously this card would make more sense. You would get positive Roi versus getting a card like the Marriott Bonvoy Bold Card.

Now, statuses can get a little confusing all right. and that's because every single one of these hotels have different statuses. They have different names. They have different requirements.

So with Marriott their bottom tier status, it's called member status. Anyone gets so 0 to N Kns. But then what we just covered was Platinum Elite status. but that is not the highest tier.

The highest tier is actually Ambassador Elite or even Titanium right under that. Now when it comes to the Platinum Elite status you get with Marriott you can get enhanced room upgrades. This is what you want to look out for and where you can find a ton of value with Hotel credit cards. There was one time where I decided to use my American Express Platinum Card I Booked a room right by the Crypto.com arena for a basketball game.

Crypto.com gave me free tickets to like one of those glass. Boo! It was cool. Met a whole bunch of other YouTubers there. Uh but the hotel that I stayed at right by that property was a Ritz Carlton under Marriott I Booked through the American Express Fine Hotel Resorts program for that room I was able to get a presidential suite at no cost.

If you're wondering how I was able to do that and how you could do something similar, it's by getting one of these premium tier cards. So I had the Platinum card and that gave me access to the American Express Fine Hotel Resorts Collection. Usually if I don't know where to stay, I'm going to open up this portal first because these hotels when they see that that you book through a portal like this, they're more inclined to give you those room upgrades now. I Paid for a base room Uh, it would have been about $3 $400 a night off.

Seon and their presidential Suites were anywhere from ,000 to $2,000 or more per night. It was a huge huge room. and when I showed up and they gave me that presidential room for three nights right there I'm calculating value. if it's $2,000 per night, that's $66,000 in total and with the Platinum Card it just paid for itself.

This year was not the only time I got an upgrade. I've got an upgrade many different times using different hacks that I've talked about all across my channel here. The most recent time I went to the Win in Las Vegas and we got one of the nicest Suites that I've ever stayed in. This room was unbelievable.

Everything was controlled by the iPad and when I looked up the base rate it was couple thousand again per night. Even though we had only been awarded a free base hotel room. for that, we did the Brian Jung patented credit card sandwich hack. Now it sounds crazy.

It's not okay. So literally all you do is you fold a $20 bill in between your ID and your credit card you hand it to to them. They know exactly what that means. You give them a tip and they'll go ahead and upgrade your room.

Now if you're feeling very generous, you can do multiple $20 but even for me giving that $20 where I like tipping other people within the service industry I know how hard it is and I know how blessed I am for me to be able to do YouTube and stuff like this. if I can give money to people who need it or people who are deserving of it I always will. So I did it and that actually led to a even more favorable outcome. I got a huge hotel room upgrade.

It made the experience so great and it was actually at a time when I was staying at. Vegas NBA Summer League was happening. so all these NBA players around me literally was sitting behind. Steph Curry That was amazing and I think it's just the momentum of you scoring like an upgraded room that you didn't think you would even get.

builds upon. Just such an amazing experience. So this is all stuff that you guys can do. Okay, if you are ever checking into a hotel, this works well when you're in.

Vegas New York Not so much just because those rooms tend to be booked up. But if you're going to high tourist destinations, it never hurts to always carry extra cash on you and to tip the person who's going to determine what room that you stay in. So if you go to Vegas try that out guys, let me know if that ever. Works um just you know post about on your story.

Give me a shout out I'll repost you on my story but things like that I'm so glad that I learned at an earlier age because that has worked for me many, many times and a lot of people don't realize it's something that you guys can all do even if you don't have a lot of money. So all this stuff is really important and that's because Under the Umbrella of travel. It's really two main things. it's hotels and Airlines and when it comes to both of them, it's a lot easier getting free hotel room upgrades than it is to get a free first class flight every single time that you ride the airplane.

This is because Hotel credit cards just have those statuses that you can get and a lot of hotels really do give you benefits if you are loyal with them. That's because the whole hotel industry is so competitive right now where if you are hopping from one place to another, a hotel company is going to make more money. If you are loyal to them, you show them that Allegiance and then they give you that upgrade making you want to stay with them even more. So if you can start building a relationship with a hotel earlier, find ones that you like in the beginning I've tried Hyatt Marriott I Personally love Hyatt the most, but they are not as accessible.

they're not always everywhere. Second up for me would be Marriott and then it would be Hilton. Now this leads us back into our PowerPoint where we're going over the super endgame strategy. This is advanced level stuff here.

It's going to sound a little confusing, but it's going to be super easy. Once I Break it down with this actual visual that I made and that's all because with the Hilton Honors Aspire card which they recently revamped, it didn't look like this before. It has an annual fee of $550 You get 14x points when you are using it on their hotels and resorts but you get complimentary Diamond status. A complimentary Diamond status will give you 100% bonus on base points you earn on every state you get premium Wi-Fi and space available room upgrades at Select Property So generally when Hilton sees that you pull up and they say hey, do you have membership with us and you tell them yeah, I have Diamond status and that is the highest status you can get they are the most in client to give you an upgrade if they have one available.

Now this doesn't work every single time, but there are things that you can do to help increase your odd. So the sandwich trick that I mentioned do that. Stack that with before going to the trip and you're going there for like a special occasion. Hey this is my honey moon.

Hey this is my onee trip that I'm doing. Hey I'm here to celebrate this. Hey, my birthday's coming up. Hey my anniversary is coming up.

Email the hotel chain, see if you can get access to the manager and then they can put a note in your system which can further enhance the opportunity of getting a better hotel room. So those are little tips: I Love the Hilton Aspire card for several reasons though. and that's because they have many different card products but they do something special. They give you something called an upgrade bonus.

So how does this all work well with the Hilton Aspire card? Apply for it. Get approve for it. Off the chance you do get approved you would then want to wait 5 days. This is because American Express has a rule where they'll only approve you for one card every 5 days.

Now, the reason why there's all these little rules, even like Chase 524 that we've talked about several times, is because a lot of these issuers don't want people to be gaming the system and just racking up points as you do. So, a lot of these rules are made in place so that it's a bit more steps and you're not taking full advantage. And there's also a layer of protection that the banks want for themselves too. But this isn't going to hold us back because these are still workarounds that are very easy to play with.

So after waiting 5 days, what I would recommend is to apply for the Hilton surpass card. Keep in mind, even with the Hilton surpass card, you're going to start getting some Annual fees. This here is a $150 annual fee, but you're trading that with the opportunity to get even more points with Hilton Their welcome bonus at the time of filming this video is getting 170,000 Hilton Honors bonus points after you spend $33,000 in purchases within the first 6 months. A lot of you guys might assume that 170,000 points is a lot, but it really isn't.

and the only exception is with hotels and this is because Hotel Point valuations continue to go down every single year. There's even a website that started blowing up a few years back where it's called Bonvoy.com where if you got like Bamboozled this is the version of that between Marriott Bonvoy program where you can report it here with others, where in some instances you have status and they don't acknowledge it or other instances where you stay in a really weird hotel room. this is a place where people are going to vent so you're going to see a lot of the worst case scenarios. Generally for all the trips that I've had, I've had 99% good experiences at all these places.

but that's just not the case when you're dealing with thousands of properties all around the world now. Bon void first came about because the point Redemption were not that good. Now it's evolved into something a little bit other than that. But know this credit card points seem to be going down in value just a little bit every year or issuers are at least trying to make it a little bit harder for you to get that best Redemption possible.

This is why it's always good to have a game plan or at least knowing your dream destination of what you actually want to do and accomplish with your points. Now with the Hilton card, 170,000 points is not worth one to one generally because you have to spend it at a Hilton property. And it turns out these Hilton properties are a little overpriced now. I'm not talking about cash value, say a hotel at Hilton You know in Hawaii is $300 a night.

Okay, it's a little expensive, but it's still rather reasonable on a 1 Point to1 Cent Redemption that $300 means it should be 30,000 points. Well, it turns out Hilton increases the cost of what the points would be. so instead of it being 30,000 it would probably cost you 70, 80, $90,000 for a $300 room, making your points worth a lot less. So don't get fooled by these huge offers, but also take what I'm saying with a grain of rice.

In the Korean world we call a grain of Pop All right? a little bit of grain of pop. That's because you can still find some discounted rooms. You could find places that are brand new they're opening their offseason and you do get a much higher Point valuation on what it's worth. The best way to go about all this is to reverse engineer the process, find some of your dream destinations.

Some places that I want to go is like the Malds you know, like those overwater. Bungalows Well it turns out Hilton actually has some really great properties and it turns out if you book a base Rate Property that is not overwater. but then you happen to get an upgrade using the Hilton Aspire cards Diamond status and you go there. So then what happens is you automatically just bump up the value of your points significantly because you went from a base rate room not over the water to a overwater bungalow that you would have to spend thousands of dollars on.

Now either way, points is still all worth money. This doesn't mean it's worthless, you just need to find the hotels, see how much they're worth during the specific time you want to go and then you can use your points to redeem that travel and that's still free money from what I say. Here you want to then wait 90 days. This is because American Express is only going to approve you for Max two cards every 90 days.

They don't want people to apply for all of their cards all at once on the 90th day. Once your super endgame, you've taken care of all your other American Express cards the ones that you want and there's a lot of them. We only went through just the foundational few that I personally like, but you have the Green Card the Bbp. The BBC I mean you got a lot of different great products within this setup.

You'd want to. then go for the Hilton Honors card. What you want to do is get the welcome bonus on all three cards. hold all three cards for one year.

Then you can downgrade your Hilton Aspire and your surpass to your honors and this is going to leave you with three Hilton Honors cards. When you get a Hilton Honors upgrade email, use it. The maximum endgame here is owning three Hilton Aspire cards. So what this means is you have the Hilton honors, the Hilton surpass, and eventually the Hilton Aspire.

This year is a more conservative approach. There are different ways to do this. This is going to be like your super aggressive approach, but generally getting the Hilton Honors card if you hold on to it, you're going to get an email offer at some Point Okay, we don't know when it clicks, but people get upgrade offers. This means they'll say hey, Billy it's time for you to upgrade your Hilton Honors card.

Would you like to upgrade it to the Hilton surpass? If you do this, we're going to give you x amount of points on that card. If you do this in the right manner, you're then able to acrw over a million points with Hilton which could be a great trip really anywhere around the world, especially once you have that status and you know how to utilize all the other upgrades. So Hilton Surpass got a little bit of an annual fee. If you can upgrade that, you'll have the Hilton Aspire card before you you upgrade it.

Though you want to actually apply for the Hilton Aspire so you get the welcome bonus offer. Now the welcome bonus offer you get on a card is different than the upgrade offer. Usually the upgrade offer is significantly less, but you don't have to spend as much money either. Now, if you want to be super aggressive, this is a strategy where it's going to leave you with multiple Hilton Aspire cards at the end of it.

If you're holding three Hilton Aspire cards, you might be wondering, well, Brian why would I hold that many? Why would I have up to $1,500 and More in Annual fees at a single Hotel branch And my answer to that is, well, you shouldn't u