“Top 3 cartes de crédit en France à utiliser en 2025 avec cashback et bonus”

Daniel Mehra

Découvrez les 3 meilleures cartes de crédit en France pour 2025 avec cashback, bonus de bienvenue et avantages exclusifs. Ce guide complet vous aidera à choisir la carte de crédit la plus adaptée à vos besoins financiers et à profiter au maximum des offres bancaires françaises.  Keywords: cartes de crédit France, meilleures cartes de crédit, bonus carte de crédit, cashback, banque française, avantages financiers, top credit cards 2025  #France #CreditCard #CarteDeCrédit #Finance2025 #Banque #Cashback #Bonus

Transcript

00:00I have spent millions of dollars on credit cards personally and for my

00:04business and I'm gonna tell you right now most of the credit card advice out

00:07there is garbage why because almost everyone giving you recommendations is

00:12getting paid huge commissions to push the same cards over and over now I don't

00:17make a cent from affiliate links for credit cards and I'm about to show you

00:20the only three credit cards I think are worth using so let's get into it part

00:25one the credit card affiliate industry is misleading you if you've ever searched

00:29best credit cards on YouTube or Google you've probably seen the same cards pop

00:34up over and over again have you ever wondered why these credit cards pay

00:38massive commissions to websites and influencers every time you sign up let me

00:43show you real numbers for example chase will pay up to $500 per year for

00:49referring friends Amex will pay up to $400 per person that is why you see

00:55people constantly pushing Amex Platinum even if it's totally unnecessary for

01:00most people now a lot of these influencers are not recommending cards

01:03because they're actually appropriate for you they're recommending them because

01:07they make money off of you and they'll say things like we do independent reviews

01:12do you or do you optimize for whoever's paying you the most now before I share

01:16the three best credit cards I want to cover something really important part two

01:20the biggest credit card myths now that you know how deceptive the credit card

01:25affiliate industry can be let's talk about the biggest credit card myths that

01:30are wasting your time and money these are the things that people get totally

01:33wrong and if you believe them you're probably over complicating your life so

01:37there's no point in knowing the best credit cards until you understand these

01:41myths myth number one you need to maximize every perk you know how many people

01:47obsess over every tiny perk my Amex Platinum gives me a car rental upgrades

01:51okay how often do you actually rent a car once a year who cares even if you miss

01:57out on a $100 upgrade so what stop wasting hours tracking every single perk

02:04pick the best card for what it does best use it and move on myth number two

02:10travel hacking is worth your time people spend hours trying to game credit card

02:15points let me tell you something if you're spending more time hacking credit

02:19card perks than actually making money you might be doing it wrong yes if you travel

02:24a lot you should use a good credit card but if you're spending hours and hours

02:27trying to get the best value per point if you have a custom spreadsheet with V

02:32lookups that automatically draws data in and updates it every 12 hours you might

02:37need to get a life myth number three you need a premium card to travel well guys the

02:44best perk is not lounge access or travel credits you know what the best perk is

02:48the best perk is having enough money to book whatever you want when you want so

02:52if you don't make enough to justify a premium card don't get one just get a no

02:57fee cashback card and be done with it all right now part three the only three

03:02cards worth considering according to me now listen I'm not gonna give you a list of

03:0615 different cards with complicated spending categories in a spreadsheet that you

03:10have to dump into AI to figure out it's a complete waste of time instead I'll

03:14break it down to three cards that actually matter including what they're

03:17good for how I use them and the perks that I've actually got number one

03:22fidelity's 2% cashback card this is the simple workhorse I think this is one of

03:28the best no-nonsense cards you can get it gives you 2% cashback on everything no

03:34weird categories no need to track if you're using gas on Thursday and then I

03:38use this card and then I use my grocery bill but only for granola bars no just

03:42cold hard 2% cashback too many people are over complicating credit cards they

03:46chase signup bonuses optimized for rotating categories they waste hours

03:49trying to game the system if you don't want to mess with all that this card is

03:53the answer and remember if you don't make enough to justify an annual fee you can

03:58get a simple no fee cashback card like this one and then move on with your life

04:03number two chase sapphire reserve the best travel card if you travel a lot the

04:10chase sapphire reserve is one of the best cards period you get 3x points on

04:14dining 3x points on travel and up to 10x points if you book travel through their

04:19site and this is the key the points actually transfer to airlines and hotels

04:24at good rates now I use this card for almost all of my travel spending and the

04:29miles are really valuable for example I recently used the points to book $60,000

04:34worth of business class flights which I got completely free now the annual fee is

04:39pretty high it's about $550 but you get a $300 travel credit automatically so the

04:45card does somewhat pay for itself if you travel enough all right before we get to

04:50the third credit card that I personally use let me just say this if you like no BS

04:55money advice that actually helps you build wealth hit that subscribe button

04:59because you'll get real talk on money business and living a rich life number

05:03three Amex Platinum all right the Amex Platinum in my opinion is one of the most

05:07overhyped cards on the market I have this card I pay hundreds of dollars a year and

05:12every single day I wake up I look in the mirror I go Ramit do I need this stupid

05:16card I used to have this card for one reason because the lounges Amex lounges used to

05:21be really cool the problem is now they're overcrowded the food isn't good you can

05:24hardly get into any of them forget the lounges there's only one reason I still

05:28keep this card Amex fine hotels and resorts if you're already planning on

05:33booking a very nice hotel and you don't use a travel advisor the Amex FHR

05:38program can give you some serious benefits for example if you book a

05:41really nice hotel let's say you're staying at the Langham Hotel in Chicago

05:44you will get these perks free breakfast which is very valuable especially for two

05:49people $100 in hotel credits early check-in late checkout and a room upgrade

05:54when available that's actually really beneficial

05:57but if you're just keeping this card for random rental car upgrades or lounges I

06:02don't think it's worth it the no BS takeaway most credit card videos are lying to

06:07you because they make money from signups I'm not making a cent from you signing

06:12up for any of these cards so here is what I personally use fidelity 2% cashback

06:17this is simple it's appropriate for most people the chase sapphire reserve this is

06:21great for travelers especially if you can justify the annual fee it has really

06:26good point redemptions Amex Platinum some people worry about their kids some

06:29people worry about their dog I worry about should I still have this card every

06:32day of my life so now that you know the truth I want to hear from you what is the

06:36most overrated credit card that you've ever had drop it in the comments no

06:41holding back and if you want real money advice with no BS hit that subscribe

06:45button and check out this video where I dive into the best financial

06:48strategies based on your income

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