Ultimate Guide to Credit Cards & Finance Tips USA by Inevitable - Dailymotion

Inevitable

Welcome to the ultimate **USA Credit Cards & Finance Tips** playlist! Here you’ll find step-by-step guides on: ✅ Ranking the best credit cards in the USA ✅ How to build your credit score fast ✅ Money management tips for students and beginners ✅ Cashback, travel rewards, and hidden fees explained Stay updated with the latest **2025 finance tips** and make smart money decisions in the USA. Watch, learn, and improve your financial life! #CreditCardsUSA #BuildCreditScore #FinanceTipsUSA #PersonalFinanceUSA #MoneyManagementUSA #CreditCardRanking #CashbackCreditCards #TravelRewardsCreditCards #USAFinancialTips #StudentCreditCardsUSA CreditCardsUSA, BestCreditCards2025, BuildCreditScoreUSA, FinanceTipsUSA, PersonalFinanceUSA, MoneyManagementUSA, CreditCardRanking, CashbackCreditCards, TravelRewardsCreditCards, StudentCreditCardsUSA, ImproveCreditScoreUSA, TopCreditCardsUSA, NoAnnualFeeCreditCard, CreditCardReviewUSA, USAFinanceGuide, BankingTipsUSA, FinancialEducationUSA, CreditScoreTipsUSA, FinanceHowToUSA, SmartMoneyUSA

Transcript

00:00In this video, we're going to be ranking the most popular credit cards in a tier list here so you

00:04can know the truth about which ones are actually good and which ones are just overrated, like the

00:08first credit card here that claims to offer 2% cash back on everything but doesn't fully deliver

00:13on that promise, and that is going to be the Apple Card. Now the Apple Card has been in the news a

00:17lot lately and it does give you 2% back on everything, but only if you're paying with

00:21Apple Pay on your iPhone or your watch. So if you want to use that nice titanium physical credit

00:26card they show off on their website, then your cash back actually gets devalued and basically

00:31cut in half down to only 1% back, and this card does not even have a standard signup bonus, which

00:35almost all other credit cards have in today's world. You do get 3% back and special 0% financing

00:41on Apple products, which is cool, but I would not suggest having a credit card strategy that's based

00:45entirely on benefits from just paying for expensive Apple stuff. So for those reasons, I'm not a fan of

00:50the Apple Card and I'm putting it at the bottom of my list here as overrated. However, for this next

00:55credit card, this is maybe just as popular as the Apple Card and it's marketed everywhere.

00:59So I'm talking about the Discover It Card, which I'm going to rank here right in the middle of this

01:03list in the B tier. With the Discover It Card, you're going to get 5% back in rotating quarterly

01:08categories that change every three months to things like grocery stores, restaurants, and Amazon. Plus

01:13you get 1% back on everything else. But the two things that make this a good card are that first,

01:17it's pretty easy to get approved for, which makes it an excellent option for beginners. And then second,

01:22Discover is going to match whatever cash back you earn with this card in your first year that you

01:26have it. Effectively, that means in your first year, those 5% categories become 10% back. And then that

01:311% category becomes 2% back on all other purchases. But again, that's only for one year here. So there's

01:37not too much else exciting after that, but it's still a good card with no annual fees. So I think a lot

01:41of people can get some really solid cash back value here. Now, if we want to talk about top tier credit

01:46cards, then next we have our first S tier card in this video that not only has a huge signup bonus,

01:51but to some people, it also might be the best all around travel credit card and the best catch all

01:55credit card. And that is going to be the Capital One Venture X. Now, the Venture X is going to have

02:00a standard offer of 75,000 miles that's worth at least $750. And then you also get 10X miles on

02:06hotels and car rentals booked through Capital One, 5X miles on flights booked through Capital One,

02:11and then 2X miles on everything else. And that 2X miles on everything else is definitely better than 2%

02:16back with the Apple Card, in my opinion, because you're earning more valuable miles in this case. And

02:20those miles can be redeemed for travel instead of cash back. And there's also no restrictions on

02:25earning those 2X miles. Now, the Venture X does have a $395 annual fee, but you get a $300 annual

02:31travel credit plus a 10,000 mile anniversary bonus every year, which is worth at least $100 at a

02:36minimum. So basically that annual fee and the value from those two benefits sort of just offsets each

02:41other. On top of all that, you're getting airport lounge access to Capital One lounges and some other

02:45lounges as well, plus a ton of other good travel features and benefits. So a lot of value packed into this one

02:50premium travel credit card. And for those reasons, it definitely deserves a spot at the very top of

02:54this tier list. However, not everyone wants to pay $395 upfront for a credit card, and I completely

03:00understand that. So next tier with an annual fee of only $95, this travel credit card is honestly a

03:05must have, in my opinion, for anyone that wants easy value, and that is going to be the Chase Sapphire

03:10Preferred. Now with that $95 annual fee, the Sapphire Preferred is going to give you a $50 hotel credit

03:16every year. You get a standard 60,000 point signup bonus that's worth at least $750 in value at a

03:22minimum for travel, or more if you transfer those points out to partner programs like Hyatt. And then

03:26you're going to earn points in a number of ways, like 5x on travel book through Chase and 2x on any

03:31other travel, plus 3x on dining, online groceries, and streaming. On top of all that, you get some nice

03:36travel benefits like primary auto rental coverage. And my favorite part about this card is that you can

03:41basically combine the points you earn from certain other Chase credit cards out there under a Chase

03:45Trifecta setup. And that really helps you to amplify the value of those points that you earn

03:49from those other cards as well. So the Sapphire Preferred is going to go into the A tier because

03:53it's got a great bonus, cheap annual fee, and again, it works really well at the center of the Chase

03:58Trifecta. But the spending multipliers are really just okay, which is why I'm not putting it into the

04:02top tier. Now speaking of the Chase Trifecta, I want to rank those cards next tier. So for the

04:07Freedom Flex, I'm going to put that right next to the Sapphire Preferred up here in the A tier as well.

04:11And then for the Freedom Unlimited card, I'm just going to put that a level below,

04:15down in the B tier. So both the Freedom Flex and Freedom Unlimited have no annual fee.

04:19They both get 5x back on travel book through Chase, as well as 3x back on dining and drugstore

04:24purchases. But then where they differ is that the Freedom Flex gets 5x back and rotating core to the

04:28categories similar to the Discover It card. And then the Freedom Unlimited card just gets a flat 1.5x

04:34back on all other purchases, which makes this a decent catch-all credit card as well. Now you are

04:38earning Chase points here, even though Chase markets these cards as earning cash back on their website.

04:43And that is important to know because like I said, if you have a Chase Sapphire card like that Sapphire

04:47Preferred, then those Chase points here can be combined where you get a lot more value by redeeming

04:51for travel. And I explain the process of this stuff in more detail in another video about the Chase

04:56Trifecta that I'm going to link to down below if you want to watch that after this. But also,

04:59both of these Freedom cards typically come with a really nice sign of bonus too, which can change from

05:03time to time. But those bonuses are usually in the range of around $200 or so, or really 20,000 Chase

05:09points. Now, the reason I'm putting the Freedom Flex card up here in the A tier is because it's sort

05:13of like a better version of the Discover It card with more spending multipliers and higher value

05:18because it's earning Chase points here instead of cash back. And then I'm putting the Freedom Unlimited

05:22in the B tier because as a catch-all card, it's only earning 1.5x back, whereas other cards out there

05:27like the Venture X earn 2x back. So I really would love to see Chase bump that up in the future,

05:32but we'll see what they do. Now, another card that also gets 2x back on everything that gets talked about a

05:36lot is the Citi Double Cash card. And I was going to put this card in the C tier because normally I

05:41think it's a bit overrated since typically there was no standard signup bonus. However, as I was

05:46making this video, I did see a new offer pop up for $200 cash back or really 20,000 Citi thank you

05:51points. And I don't see anything saying that this is a limited time offer, so hopefully it's here to

05:56stay. And if that's true, then what I'm going to do is move it up here to the B tier. Now, because

06:00you're actually earning Citi points here on the Double Cash, you have the option to easily convert

06:04that into cash back. Or you can save up those points and then combine them for more value with

06:08the next credit card here, which is going to be the Citi Premier card that I'm also going to put in

06:12the B tier as a solid travel credit card option. With the $95 per year Citi Premier card, you're

06:17getting a standard 60,000 point bonus that's worth at least $600 or more for travel with transfer

06:22partners. And then my favorite part about this card are its spending multipliers, which I think might

06:27be some of the best in the credit card game. So you're going to get 3x points per dollar on restaurants,

06:31supermarkets, gas stations, air travel, and hotels, which is amazing because that covers so many things.

06:36Now, the reason it's going to go in the B tier and not higher is because it is lacking any other good

06:41features that other $95 per year cards like the Sapphire Preferred have. And the Citi Premier also has

06:46no travel insurances or protections that you would expect a travel credit card to come with. But again,

06:50good signup bonus, great points multipliers, and you can create a Citi trifecta with the Premier,

06:55Double Cash, and also the Citi Custom Cash card, which I'm going to put up here in the A tier next in

07:00this video. So with the Citi Custom Cash, you're getting a $200 bonus in the form of 20,000 Citi

07:05thank you points. Plus, you'll be able to earn 5x back in your highest spend category every billing

07:10cycle out of 10 categories like restaurants, gas stations, or grocery stores. And what credit card

07:15optimizers like myself here really like about this unique feature is that you can basically just pick

07:19one of those 10 categories and sort of easily lock in and getting 5x back in that category by only using

07:24the Custom Cash card for that one thing. That makes this card highly customizable, like the name says,

07:29and it also makes it the perfect no annual fee credit card to basically supplement any cash back

07:34or travel credit card setup because you can redeem Citi points that it earns for cash back. Or again,

07:39you can combine those points with the Citi Premier card for more value with its transfer partners.

07:43So for those reasons here, there's very little to dislike about the Custom Cash card and it deserves

07:47to be up there in the A tier. Now, if you really want to be wowed by a no annual fee credit card,

07:52this next card here on this list, you're getting a $200 signup bonus plus 3% back on dining,

07:57entertainment, streaming, and grocery stores, and even 10% back on Uber through November 14th,

08:022024. So that card is going to be the Capital One Saver One, which I think deserves a spot here

08:07in the top of this tier list up in the S tier. And the reason this is going to go to the top is because,

08:11again, you get all that value from the signup bonus and the spending multipliers,

08:15but you also have good features like no foreign transaction fees, which makes the Saver One card a rare

08:20no annual fee card that's very good for spending outside of the US. Now, all that is great if you're

08:24looking for a solid cashback card, but if you pair the Saver One with the Venture X and a Capital One

08:29Duo setup, you're going to be able to turn that cashback that you earn from the Saver One card

08:33into more valuable Capital One miles. And I explain that in more detail in another video about the

08:38Capital One Duo that you can go ahead and check out later at the link down below. And also, if you

08:42haven't already, make sure you subscribe down below too, because it's completely free and apparently

08:46over 80% of you are actually not subscribed yet, according to my data. So let's see if we can get that

08:50number down to 70%. So make sure to go ahead and subscribe. Now, I've got two more credit cards

08:55next year that also earned 3% back in a lot of good ways. So those are going to be the Blue Cash

08:59Everyday card from American Express, as well as the autograph card from Wells Fargo. These cards

09:04also both have no annual fee. And for the Blue Cash Everyday, you're going to earn 3% cashback on

09:08groceries at US supermarkets, 3% back on US online retail purchases, and then 3% back on gas at US gas

09:15stations. Plus, you get a $200 statement credit as a bonus, as well as credits to partially cover the

09:20cost of the Disney bundle and Home Chef. However, this is a cashback card and those 3% categories

09:25are also limited to earning 3% back on only up to $6,000 of spending in each category per year.

09:31So I wish there wasn't a spending cap like that, which is why I'm going to rank this one up here in

09:35the B tier. Then for the Wells Fargo autograph, this card is going to give you a 30,000 point signup

09:39bonus that's worth $300 at a minimum. Plus it's going to earn 3x points per dollar, which is worth at least

09:453% back in a bunch of different categories, including restaurants, travel, gas, transit,

09:50streaming, and phone plans. And then there's been news out there that apparently transit partners

09:54are coming to the autograph card pretty soon. So for me right now, I'm going to put the autograph

09:58card up here in the B tier. But honestly, it is kind of an underrated card since a lot of people

10:03don't like Wells Fargo that much, even though it is a really good card. And Wells Fargo seems to be

10:07working on bringing out new travel credit card products in the near future as well. Now next here,

10:11I've got two cards that I get mail offers for all the time and had to include for fun because it's

10:15honestly kind of laughable at how bad they are. So that would be the luxury card gold and black

10:20master cards. The gold master card has a $9.95 annual fee and the black master card costs $4.95

10:26per year and they're made out of metal. So that's all cool here, but they've got no signup bonus.

10:30They're basically just cash back cards that earn 1.5 to 2% back. So there's no way you're pretty much

10:35ever going to justify paying those huge annual fees. So I think they just try to get people to sign up

10:40thinking they're these luxury cards or something with these mail offers, but definitely avoid these

10:44cards because they're going to go down here in the D tier. Next, we've got the Amex green card,

10:48which I'm going to put over here in the C tier as a bit overrated in my opinion, which might be

10:52controversial. And that's because for a card that has a $150 annual fee, the value that you're getting

10:57just doesn't quite feel like it's there. You're going to be able to earn 3x points per dollar on travel,

11:02transit and dining, which does include a lot of things here, especially if you live in a city and

11:06you're spending on a wide variety of travel expenses. But there's plenty of no annual fee

11:10cards that also get 3x on dining and you'd have to spend a lot on travel and transit just to basically

11:15break even with the annual fee. Now you do get a standard 40,000 point signup bonus on the green

11:19card, but that's still not a great offer compared to other Amex cards out there or even other cheaper

11:24cards in the market that have 60,000 point signup bonuses. And then there's not too many other features

11:28and benefits other than a clear credit. So yeah, for me, the green card is just kind of below average and

11:33belongs down here in the C tier until Amex updates it or something like that. Now another card that's

11:38popular, but I don't really recommend that much is going to be the Capital One Quicksilver card,

11:42which I'm also going to put over here in the C tier. And this is a very good beginner card that's

11:46usually pretty easy to get approved for. It's got a decent $200 bonus, plus it gets 1.5% back on

11:52everything and has no foreign transaction fees. However, it's just a simple 1.5% cashback card at the end

11:57of the day. And with that new $200 bonus on the city double cash, you're going to be better off

12:02getting 2% back on everything with that card there instead of 1.5% back on the Quicksilver.

12:07So again, it's a good card for beginners, but not good enough compared to the competition,

12:11which is why it's going to be ranked here in the C tier for me. Next, we have the US Bank Altitude

12:15Go card, which has no annual fee and no foreign transaction fees. It's got a 20,000 point bonus

12:21that's worth 200 bucks. And then it's going to be a great everyday spending card, but getting 4x points

12:25per dollar on dining, takeout and delivery, and then 2x on grocery stores, grocery delivery,

12:30streaming, gas stations, and EV charging. Now, US Bank cards can be a little bit more difficult

12:34to get approved for. And this is also just more of a cashback card because US Bank doesn't really

12:38have a great travel program. So you are kind of limited. So I'm putting the Altitude Go card over

12:43here in the B tier. And honestly, most other US Bank cards are going to go there as well as good

12:48underrated cards for some people. But if you want a card that I think is much better than the Altitude Go,

12:52which gets 4x back at restaurants, as well as 4x back at US supermarkets, and then 3x back on flights in the

12:58form of valuable Amex MR points, then the Amex Gold here is going to be next. And that might be

13:03one of the best overall cards in the market, which is why it's going to go up here in the top S tier.

13:08Now, you do have a 250 annual fee, but you get up to $240 in annual Uber and dining credits that can

13:14help a lot of people to offset that fee. Plus, I personally think that American Express has some

13:18of the best offers out there with different retailers that typically save me at least 50 to 100

13:23bucks extra every year with this card. You can also find nice welcome bonuses on the Amex Gold

13:28that are typically in the range of 60 to 75,000 points worth at least 600 to $750. But the top

13:34two things about this card are that it's so great with food spending with those 4x point multipliers,

13:39and then those points can be redeemed for travel for a lot of value with transfer partners because

13:43American Express partners with some of the best partner programs. Now, just like most credit cards,

13:47the Amex Gold is not going to be perfect for everyone. So make sure you go ahead and check out my full

13:52three year review I did on the gold card and my experience with it. But I want to move on next here to the

13:57Amazon Prime Visa card which is going to be another card with no annual fee. This one gives you a $100

14:02Amazon gift card as a bonus immediately once you get approved. You get 5% back on Amazon Whole Foods

14:08and Chase Travel plus 2% back on gas restaurants and local transit and commuting. So with all that there

14:14plus no foreign transaction fees as well. If you're into cashback setups or you just want to lock in

14:18getting 5% back on Amazon and if you're a Prime member, this card is going to be a no-brainer must-have

14:23card and it goes up here into the A tier. Now for some travel credit cards next tier, let's start by

14:28talking about the Built Mastercard which is a very very unique card for people like myself that pay rent.

14:33This card has no annual fee. It earns 3x built points per dollar on dining, 2x on travel, and then 1x on rent

14:40and everything else. But the important thing here is there's no transaction fees when paying rent with

14:44this card whereas most other credit cards out there charge you an extra 2 to 3%. So with the Built Mastercard,

14:50you can earn up to 100,000 built points per year depending on how much you pay for rent. So for me,

14:55that ends up being around 27,000 points per year. And those built points are possibly the most valuable

15:00out of any point currency because Built partnered up with some really great transfer partners like

15:04Hyatt and American Airlines. So for me, my 27,000 built points that I earn per year usually gets me at

15:10least $540 in free travel and a minimum just by paying rent which I have to do anyway. So for those

15:15reasons and because this card has no annual fee, I'm putting the Built Mastercard up in the A tier here

15:20with the only downside being that there's no standard signup bonus but for this card at least

15:24it is maybe a little bit more understandable because it does offer that unique benefit for paying rent

15:29and earning points with no fees. Next here we've got the Chase Sapphire Reserve which is basically just

15:33the more premium version of the Chase Sapphire Preferred card that we talked about earlier. So this card

15:37has a more expensive $550 annual fee but it comes with a $300 annual travel credit to partially offset that fee.

15:44And then you also get a 60,000 point bonus 10x on hotels and car rentals and then 5x on flights

15:49booked through Chase and then 3x on any other travel and dining plus there's a 50 points boost feature

15:55if you book travel through Chase by using your points. You also get airport lounge access with

15:59Priority Pass and the new Chase Sapphire lounges that are starting to roll out across the country.

16:03So for me, the choice between the Sapphire Preferred card and the Sapphire Reserve really all just

16:08depends on what you're looking to get out of these cards so I made a separate video comparing

16:12these two that I'll link to down below. But this is a very good card that I'm going to put up here

16:16into the A tier. Next we got to talk about the star of the show in the premium credit card space that

16:20competes with the Sapphire Reserve as well as the Venture X card. So that is going to be the Amex

16:25Platinum that people seem to be really divided over and that's why I'm going to place it over here in

16:29the B tier for my rankings. To me and many other travelers that obsess about the numbers and sort of

16:34nerd out about optimizing our setups, the Platinum card is great because it's got a ton of credits that help to

16:40offset the $6.95 annual fee. But to many other people, the joke is that it's sort of like an

16:44expensive metal coupon book because there's just so many credits and benefits that you got to keep

16:49track of. There's still definitely good value here with the signup bonuses that can range from 80,000

16:54to 125,000 points. You can earn 5x on flights and then 5x on prepaid hotel bookings through Amex. Plus

17:00there's a ton of other great travel protections and benefits like airport lounge access which includes

17:04access to the large network of Amex and train lounges. So again, I think it's a good card and I

17:09would probably put it in the low A tier myself, but with a larger audience in mind, I think the

17:14work can sort of just become a headache here. So I am going to put it over in the B tier. Next,

17:18we've got the Wells Fargo active cash, which is just another solid cash back credit card earning a

17:23flat 2% back on everything and a $200 signup bonus with no annual fee. But outside of those features,

17:29there's really not much else to it outside of a cell phone protection benefit. So it's another good

17:33catch all card that's competitive with that 2% rate, but just average other than that. So it's going to go

17:38over here in the B tier as well. After that, we're going to jump over to another catch all card that

17:43really does not get talked about enough, which is going to be the PayPal MasterCard that also earns

17:47a flat 2% back on everything. But the cool bonus feature here is that you also get 3% cash back if

17:53you pay with PayPal, which a lot of websites offer when you're shopping online. The downside here is that

17:58once again, there is not a standard signup bonus offer. So if there was a signup bonus, then I would put

18:02this card up in the A tier as a cash back card, but without it, I am going to put it over in the B

18:07tier again as a good option for anyone that is on team cash back. Then next, I want to rank the Chase

18:12World of Hyatt credit card because Hyatt has one of the strongest programs in terms of points value,

18:17since you can still find a lot of great deals by using Hyatt points. But for this credit card itself,

18:21I would say it's sort of just okay or around average. It's got a $95 annual fee and you get a free night

18:27award every single year with a category one to four Hyatt property. So that free night is easily going to be worth

18:32more than $95 because for example, I'm using a free night in a few weeks for a property that

18:37normally would charge $309 per night. So with this feature alone, it's a card that belongs over here

18:42in the B tier as a hotel keeper card, but the signup bonus and the spending multipliers are really not

18:47that great, honestly, just because you get 30,000 points, which is okay after spending $3,000. Then

18:52to get another 30,000 points in this bonus, you got to spend $15,000. It's good for spending at Hyatt

18:58properties. But other than that, I don't really use it that much for any other spending with

19:02below average multipliers that it has. So again, for me, it's going to go here in the B tier.

19:06We're going to stick with hotel cards and go over to the $95 per year Chase Marriott Bonvoy

19:11Boundless card next year, which I'm going to put over in the C tier below the Hyatt card. You do get

19:15a free night every year with this card as well, which is worth up to 35,000 points. But I'll be

19:20honest, in most cases, Marriott points are pretty bad and they've been devalued so much. So 35,000 Marriott

19:26points barely gets you anything good in many cases. And because the points are worth so little,

19:30I would never even consider using this card for its point multipliers. So the boundless card here,

19:35in my opinion, is just going to go in the C tier because signup bonus can be okay since I did get

19:40a limited time offer of five free nights worth up to 50,000 points each. But other than that,

19:45I don't really think it's that great of a hotel keeper card. Now for a more premium Marriott card

19:49with the Amex Marriott Bonvoy Brilliant, I'm going to put this one a step above the boundless over into

19:54the B tier, but only for somebody that stays at Marriott properties a lot, because you're going to get

19:58automatic platinum elite status, which gives you a free breakfast benefit that can save you some

20:03money over the course of a year. Plus you get more upgrades up to $300 in dining statement credits and

20:08a free night worth up to 85,000 Marriott points, which actually can be valuable, but there is a big

20:13650 annual fee. So again, you got to analyze those benefits versus that cost and then look at how often

20:18you stay at Marriott's. But for me, this is a middle B tier card. We might as well jump over to a Hilton

20:23card as well here with one that I think most Hilton loyalists should look at, which is going to be the Hilton

20:27honors aspire card from American Express, which has a $550 annual fee. But with that, you're going to

20:33be able to buy your way to the top tier Hilton honors diamond status, which gets you upgrades,

20:38a food and beverage credit for stays, and then some other benefits like that. However, with the ability

20:42to basically buy status by getting this card, that means more people are going to have diamond status.

20:47So that might be less valuable than other top tier statuses with other hotel programs. You also get a

20:51really valuable free night award for use on any property. So a lot of people like to pick a more expensive

20:56hotel to get more value from this free night award. And there's also a bunch of other credits

21:00here on this card that can help you to justify that $550 fee. But again, I would say this card

21:05is only for Hilton people. So I am going to put it over here into the B tier. For airline credit cards

21:10from airlines like Delta, American and United, I could try to rank each one of these individually.

21:14But honestly, what I would recommend is that people only get cards that make sense for what you fly the

21:19most. And I would say that most of them just fit into the B and C tier anyway. So I would really focus on

21:24earning flexible points currencies from banks like Chase, Amex, Capital One and Citi First.

21:29That's because those points there, they just give you more options for redeeming them. Now,

21:32the problem with ranking all these credit cards is that it can be really tough to pick out which

21:36ones you should get together that's going to create the best setup for you and give you the most value.

21:40So that's why I went ahead and made this video over here on the only five credit cards you need.

21:44So definitely go ahead and check that out next. But as always,

21:47thank you so much for watching and I'll see you in the next one.

“I Ranked Every Credit Card (Here’s What’s ACTUALLY Good)” #CreditCardsUSA #BestCreditCards2025 🔥

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Ultimate Guide to Credit Cards & Finance Tips USA

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