June 27, 2025 • 24 mins
BA fam, we’re diving deep into the world of credit cards this week! Mandi, Yaneli (aka MissBeHelpful), and Chris Browning break down the newest updates to premium cards like the Chase Sapphire Reserve, Amex Platinum, and Capital One Venture X.
From new streaming perks to rising annual fees (hi, $795!), they weigh in on what’s actually worth it and what’s just hype. If you’re thinking about upgrading your card or just want to travel smarter, this one’s for you.
💳 What You’ll Learn:
- Which card perks are actually worth the fee
- Smart ways to use cards for travel, groceries, and rent
- The real cost of carrying a balance
- Tips for maximizing rewards with tools like Travel Freely
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Chase Reserve car came out, this new list of perks,
and somewhere in there is a streaming perk. I think
it's Apple TV. Are y'all Chase Reserve cardholders did y'all
fall for the lore, the lore and the appeal like
the This was a moment, the Chase Reserve launching in
twenty seventeen, sixteen.
Speaker 2 (00:17):
Oh, huge moment.
Speaker 1 (00:18):
Yeah, it was one hundred thousand dollars. Sorry, one hundred
thousand points.
Speaker 3 (00:22):
I didn't see that.
Speaker 2 (00:24):
Wait, I didn't get that perk. How do I get
that one? But it's very annoying.
Speaker 4 (00:34):
I was tempted to pay the one hundred and forty
dollars for the yearly premium on Peacock because I was
tired of getting ads every But.
Speaker 2 (00:40):
I'm not doing it, y'all, I'm not doing those ads.
Speaker 1 (00:42):
Hold on, Chris, don't ruin it. She's giving me a segue, Baybay,
a segue.
Speaker 2 (00:46):
Take the segway, girl, take it.
Speaker 1 (00:48):
Speaking of the cost of streaming apps, Chase Reserve came
out with a brand new Chase Reserve car came out
this new list of perks, and somewhere in there is
a streaming perk. I think it's Apple TV, Apple Apple
And do have I, madam? I already have it up
(01:08):
to the points guy dot com. Have y'all are y'all
Chase Reserve card holders? Did y'all fall for the lore?
The lore and the appeal like the this was a moment,
the Chase Reserve launching in twenty seventeen, sixteen.
Speaker 2 (01:21):
Oh, huge moment.
Speaker 1 (01:22):
Yeah, it was one hundred thousand dollars. Sorry, one hundred
thousand points.
Speaker 3 (01:26):
I didn't see that.
Speaker 2 (01:28):
Wait, I didn't get that perk. How do I get
that one?
Speaker 1 (01:31):
That's how I pay for my honeymoon. That's how I
know the date so well. I'm like it was the
fall of twenty sixteen because I got the card and
then we used the points to get our honeymoon. We
got married twenty seventeen. But as a Chase Reserve customer,
the perks have gotten, especially the sign on perks, have
gotten kind of stale.
Speaker 4 (01:49):
They're so stale they would never hit that again. The
one hundred thousand, I have not seen it to that
level yet. And even now girl, with this streaming perk.
The streaming perk is one hundred and twenty dollars annual
credit for eligible streaming services. Hey, that's cute, that's cute,
But like, how are you gonna get to the point
where the forty eight month the forty eight month rule
was everything for people who like to turn credit cards.
(02:10):
And now it's a one you get a once per
lifetime benefit for sign up bonus and you cannot get
it again and again. And that was the thing that
people were using and abusing and it's over.
Speaker 2 (02:20):
It's over now.
Speaker 1 (02:21):
Yeah. Is that just with Chase or is it with
all card card companies?
Speaker 4 (02:25):
They've all the ones that they have are the Chase
Sapphire and the other one of the Reserve. Both of
those now you have one time welcome bonus and is
much harder to earn it and you can't get it
more than once.
Speaker 1 (02:38):
Well, I was about to hold a gun to my
husband's head. I mean I was about to ask kindly
for my husband to sign up for the Reserve because
I had signed up for it back then. It's been
almost ten years. We were too cheap to ever do.
They wouldn't let you add a joint cardholder for free.
Speaker 2 (02:55):
It was like you had to do two cards.
Speaker 1 (02:57):
You had to do two cards, and he never got one.
And I'm like, oh he can get one.
Speaker 2 (03:01):
Yeah, with your link with your AFRO, like that's what
we did.
Speaker 1 (03:04):
Well. They're bringing back the one hundred thousand point bonus though,
if you've ever had.
Speaker 4 (03:10):
It right so your so your husband can qualify for that. Yes,
definitely get him to.
Speaker 1 (03:14):
Jump on that, which is like what's his is mine
and I will be point, especially.
Speaker 2 (03:18):
When it comes to trial, especially when it comes to travel.
Speaker 1 (03:20):
Yes, but and they've also increased the Chase travel credit,
which it was three hundred now it's five hundred dollars
when you spend five thousand on the first But does
do those benefits carry on to a current customer? Do
I get the five hundred dollars travel credit now because
every year I get three hundred dollars of travel.
Speaker 3 (03:38):
Because I think I think so because your annual fee
is going up to next year.
Speaker 1 (03:42):
I was going to get to the bad part, you know.
Speaker 4 (03:47):
Three from what I from what I'm seeing, the three
hundred dollars travel credit on the Chase, that fire reserve
does not carry over from year to year?
Speaker 1 (03:55):
Oh anymore because it definitely has.
Speaker 3 (03:58):
Right what I it doesn't ext it's a user or
lose it thing like you don't get to watch.
Speaker 1 (04:02):
Yeah, you don't stack, Yeah, but I would always I mean,
I wouldn't even think about it. I would just be like,
oh that's nice because I'd buy Ubers, or it would
be for a lot of different things. Cabs, Metro North.
All right, well let me break down some of the perks.
We've done. The one hundred thousand this is for new
new members. But Chase has been like promoting this big
(04:22):
announcement for weeks now. There were these big billboards, really
awkward ones, with a model holding a giant Chase credit
card on the Metro North and I'm just like, this
is the stupidest marketing I've ever seen. But it was.
It was put together in a rush, but for the like,
for the pomp and circumstance of it, and like how
excited they've all been. I don't know that the perks
and the fact that yes, the fee now is going
(04:44):
up to seven hundred and what seven ninety five, seven
ninety five dollars.
Speaker 3 (04:50):
Basically I'm mad with that.
Speaker 1 (04:51):
Just just say it's eight hundred, because I thought.
Speaker 3 (04:53):
I just take the other five dollars in you know.
Speaker 2 (04:56):
Psychology works, it's under eight hundred. It's under eight hundred.
Speaker 1 (05:00):
I hate it. Five hundred and fifty I think is
what it has been. I don't even know if it's
worth me keeping the card. I might just let Husby
get the card and just get rid of mine.
Speaker 4 (05:11):
I mean, ask yourself, is it worth sixty six dollars
a month? Because that's really what it comes down to, right,
sixty six dollars a month.
Speaker 2 (05:20):
Yeah, that's at the end of the day. Most people
they look at seven ninety five, they look at five fifty.
They go, that's insane because you're looking at all at once.
Speaker 4 (05:25):
But if you're going to benefit in sixty six dollars
of value per month at least, then it's worth it.
Speaker 2 (05:31):
And it's worth it.
Speaker 1 (05:32):
Well, let's see eight X points on all this is
the and now they have a business, will make sure
I have the right one up eight They say, you
get twenty seven hundred dollars in annual value. But let's
see it looks like eight X points on all travel
purchases made through Chase Travel, four X points on flights
that are booked direct through Chase. I think it used
(05:53):
to be three x four X points on hotels, three
X points on dining. That was that's that standard. Oh,
so the five one hundred dollars that's a promo credit.
Speaker 3 (06:02):
Yeah, it's a one time thing, a one time thing.
Speaker 1 (06:04):
So then they're keeping the three hundred annual travel credit.
You're getting a five hundred dollars credit for stays booked
using the edit, which I actually haven't used. I didn't
realize that was something that they had. It's like a hotel.
Speaker 3 (06:16):
Those are I believe they're expensive hotels though, so it's
like you're not getting like that five hundred credit, which
is two hundred fifty dollars each, is not all at once.
It's only taking a fraction off of those hotel prices.
Speaker 1 (06:28):
They have dash Pass membership for one hundred and twenty
dollars and three hundred dollars and door Dash promos. I
already use dash Pass membership. I do think I get
my money's worth.
Speaker 4 (06:39):
And they also have restaurant credits too, Like I travel
so much for work that like sometimes I just want
to instead of paying six seventeen.
Speaker 2 (06:46):
Dollars for a bottle of water at the airport.
Speaker 4 (06:49):
Convenience, now I will step into the lounge real quick,
have a whole meal, get what all of that stuff
that I need right for with a benefit with my
card and if not, with lounge access, because I know
that the prefer doesn't have lounge access, but the reserve does.
But sometimes you get a little perk to get lounge
access with the preferred.
Speaker 1 (07:05):
But we even forget you the game card, my Priority
pass card.
Speaker 2 (07:08):
You gotta have that. Put it on your phone.
Speaker 4 (07:13):
I have it on my wallet, on mynallet yep. Do it.
And not only that, but if you don't end up
seeing a lounge anywhere nearby, you still get restaurant credits.
Twenty thirty bucks goes a long way at the airport,
so you don't have to constantly be spending money.
Speaker 2 (07:27):
So I think the.
Speaker 4 (07:27):
Problem is so many people got it and they don't
like they don't actually travel enough to get the benefit.
Speaker 2 (07:35):
Be real with yourself. You might have the idea of the.
Speaker 1 (07:38):
Goal to we've done. Had it on my phone, y'all.
Speaker 3 (07:41):
Girl, get that. You better get that QR code off
the screen.
Speaker 1 (07:44):
Did you tell.
Speaker 2 (07:48):
Snap shot snapshot real snaps everyone?
Speaker 4 (07:50):
Damn no, girl, Did you really get denied because you
thought you didn't have your Priority pass and it was
on your phone?
Speaker 1 (07:55):
I forget you know, I don't even bother to I'm
usually so late to the airport. I don't have to.
I'm see for me.
Speaker 2 (08:03):
It's the layovers. If I ever have a layover, I'd
be like, all.
Speaker 1 (08:05):
Right, I'm not gone. It would have been nice. And
oh when we were going to London, my friend was like,
don't you have priority pass? I was like, yeah, I
don't have the card with me. I forgot it and
JFK is JKS earlier.
Speaker 2 (08:20):
That's GUARDI earlier because they hooked that thing up. Guardia
looks really nice.
Speaker 1 (08:24):
Now. Guardias is so nice, nice, so nice organized that
I had to I went to the airport for nothing
because my flight ended up being canceled. I went and
got me a nice burrito. I did a little bit
of shopping and I was like, huh oh, cut.
Speaker 2 (08:37):
That water fountain that looks like a Balacchio in Vegas.
Speaker 1 (08:39):
They did. They did that.
Speaker 2 (08:41):
I mean, there was a lot of taxpayer dollars, but
but it's very pretty.
Speaker 1 (08:44):
So we'll give you that stub Hub credit. I just
bought three hundred dollars stub Hub credit, so you can
get up to one hundred and fifty dollars in statement
credits two times per year through January through June and
then again from June to Decimer. So god, I just bought.
I mean, I'm not it's like super I'm pretty proud
(09:05):
of it. I don't care. I bought another take to
see Beyonce in Atlanta.
Speaker 2 (09:08):
I know you were gonna say that.
Speaker 3 (09:10):
You can say away because.
Speaker 1 (09:14):
Listen, Linda, listen back to visit my dad anyway, I
have a work trip coming up. You know Dad's going
to be alone. I was like, I volunteer a tribute.
I'll come, I'll come, pick me, pick me immediately because
she was overlaps with her dates in Atlanta. But I
(09:35):
need to see her with my people, like I need
to be surrounded by Atlanta's And I got the best deal,
Like I have incredible I have an incredible seats. I
have an incredible seat. I'm taking myself, me myself, and
I like dead center front row of the first section
that has a seat. And it was like five hundred
(09:56):
bucks and.
Speaker 2 (09:56):
You could have got it for two hundred with the
three hundred.
Speaker 1 (09:59):
But stop, I'm gonna activate this ship.
Speaker 3 (10:01):
They better get well hold up. You only go get
one hundred and fifty now credit because it's always per
half the year.
Speaker 2 (10:09):
Better than but honey, it's a discount. We take those.
Speaker 1 (10:13):
So basically that, oh, this would be one hundred and
fifty for the last half of the year. I was
going to say, we I'll get another ticket.
Speaker 2 (10:20):
No, no, no, you can't activate it twenty Yeah, you
know exactly. It's worth five doubles that if I get two,
then it's work all right.
Speaker 1 (10:27):
Then they can Chase pay me for all his promotion.
They got two hundred and fifty dollars worth of Apple
benefits Apple TV plus they got one hundred and twenty
dollars in lift credits something about Peloton. Go check it out,
y'all can go to check credit cards dot Chase dot com.
Yeah uh, and don't get it if you can't afford
that incredibly high fee and all safety.
Speaker 4 (10:47):
Six dollars a month, but it's paid once, all at once.
Seven ninety five gets taken from your account in January,
so just be very aware that you have to pay
that all up front, but spreading it out sixty six
per year. Don't be paying interest on the credit If
you're paying interest on your credit card, stay away, stay away,
graduate up to interest.
Speaker 1 (11:06):
I paid some interest this year, y'all.
Speaker 4 (11:09):
Don't do it.
Speaker 1 (11:09):
It's truly it does. It does, and also be like,
oh I should use this card. I'm like, girl, you
know you're gonna pay interest on it. No, I'm gonna
get back to the payoff in full, y'all. I'ming to
get back. It's been a weird year. When you hear
that guy that's sixty eight dollars a barrel like costs
her high. Hey, ba fam, we gonna take a quick break,
(11:30):
pay some bills, and we'll be right back. All right,
ba fam, We're back. But what else is in what's
in your wallet? What else are y'all using and loving?
Because it feels like, maybe for the first time in
a while, cards are like AMX is supposed to answer
the Chase reserve updates sometime soon, it's imminent. But I'm
curious what else y'all are using.
Speaker 3 (11:52):
I've been running with the Capital One venture X for
a little bit because of the lounge access and they
give you that three hundred dollar annual credit, so those
together pretty much cover the annual feed for me. I
think it was something else I get with them, and
I'm like, okay, yeah, it feels worthwhile. But the lounge
access is because how much does it cost I think
it is three ninety five, so reasonable. Yeah, it's not bad.
(12:15):
It could be changing. Everybody's changing. There is now get
access to so I get a's priority passed, and then
there's another series of like international lounges you get. But
it's a little bit because I only had the Chase.
You know, I'm not big time. Like the two of
you don't have the reserve. I had the Chase preferred,
so that one you really don't get into anything with
that one.
Speaker 2 (12:32):
That's the point you need the reserve, the reserve.
Speaker 3 (12:35):
But the with the Capitol one, there's actually a really
nice lounge just open up inn SFO that I use
and has like you know, it's clean, new, they got
good food, they got a good space to relax, they
got showers and bathrooms all that stuff. So for me,
it was like, okay, this is perfect because that's the airport.
I'm either then or Oakland. And there's even a lounge
in Oakland that I can can get into as well.
So it's like, you know, that's what I'm going with
(12:55):
now that in Southwest because that's when I get like
the you get four seed upgrades on it and you
get seventy five hundred points a year and then you
get a I think it's one hundred and fifty, No,
seventy five dollars credit, and the annual fees is like
one hundred and fifty. So all that together is worth more.
Because I just upgraded my seat because my flight got canceled.
It would have cost me ninety one dollars it was free,
So I'm like, already right there, I did already already.
Speaker 2 (13:17):
Just that one thing made it worth it.
Speaker 4 (13:19):
Yeah, I don't fly Southwest as much, but that sounds
like it's definitely worth it if.
Speaker 2 (13:23):
You fly Southwest a lot.
Speaker 4 (13:25):
But although there are changing things, they're doing assigned seats
and they're getting rid of the free bags.
Speaker 1 (13:29):
I don't like that.
Speaker 3 (13:30):
If you know, I don't know.
Speaker 1 (13:33):
I've flown. I flew Southwest a couple times last year
and it just was stressful.
Speaker 2 (13:37):
Yeah, I don't like them finding seats. I don't like that.
I need to know where I'm sitting.
Speaker 3 (13:41):
Like what, yeah it is, But the thing is like
for me, I always eat the leg room and I
don't have to pay extra sit in the exit row
at least I didn't have to, so I'm like it's perfect.
I pay the same price to everybody else. And if
I get if I check in earlier, if I can
get to that exit row, if not, but if other flights,
I pay extra one hundred dollars to sit over there.
Speaker 2 (13:57):
That's true, That's very true.
Speaker 3 (13:58):
But I probably will soon or a lid for every pot.
Speaker 2 (14:03):
A lid for every part.
Speaker 1 (14:04):
All right, So Capital one X I've.
Speaker 4 (14:07):
Been using two one is the we just got this
year for the first time, the American the American Express,
the Platinum card, which is it's a big one.
Speaker 2 (14:15):
It's six hundred and ninety five.
Speaker 4 (14:16):
That was a year.
Speaker 1 (14:17):
But is that the one that's on par with the
Preserve or the Reserve Chase Reserve so their pars are
going to be going up?
Speaker 2 (14:24):
Yeah, oh for sure.
Speaker 4 (14:25):
And the ones that we signed up for was you
spend eight in the first three months and you get
oh no, first six months, so it was actually even
more time to spend the eight thousand, but you get
one hundred and seventy five thousand points, which was one
amazing five. Yeah, so we've been we've been using it.
We went for Jamil's birthday which was Moral Day week
and May twenty fifth, we went to Hawaii for two weeks.
Speaker 2 (14:47):
Almost didn't really spend much on the travel stuff.
Speaker 4 (14:50):
So I feel like if you are strategic with the car,
if you get the points and stuff and you're using
it correctly, and if y'all don't know and you're like, wait,
I'm sleeping on this, there's a lot of content creators
that focus on points and miles that you know, are
really really great. Like I learned so much from some
of them, because even I was very basic when it
comes to credit card Like I just was like, I just.
Speaker 2 (15:09):
Got these three or four cards that I need.
Speaker 4 (15:11):
I keep the annual fees pretty low and only a
few like two years ago to now is that I
started getting in the game with more strategic cards. So
the second one, besides the Amex one, which has like
a bunch of credits, it definitely makes it's worth the
six ninety five fee for sure.
Speaker 2 (15:24):
But the other one is the built rewards credit card,
which we used to pay rent. We're not homeowners yet,
so our rent is a little pricey.
Speaker 4 (15:33):
Like Miami rent three thousand dollars a month, so a
little bit upwards from that. In New York as well,
rent was pretty pricey, but we have we pay less
rent now. In Miami, but it's still a lot. So
we put it on the Built card every month. There's
no fee for it because they create like a bank
account through the credit card portal, so you use the
bank account to pay your rent instead of a credit card,
so you don't pay fees, and then all of those
(15:54):
points you get. And so we're already at like eighty
thousand points just from paying rent with the Built card.
So that's two freaked flights that we already have just
waiting for us in the Built portal.
Speaker 2 (16:03):
So it's like, okay, those two have been.
Speaker 1 (16:05):
We talked about that. We were like when we first
started talking about the bill or when you first brought
it up originally, we were both thinking like how long
are they going to keep this up for? Like or
were they gonna make money?
Speaker 2 (16:16):
Milk it while you can milk it, while right, milk
it while you can't.
Speaker 4 (16:21):
I think a lot of banks refuse, I was gonna say,
I think a lot of banks refuse to work with them.
Speaker 2 (16:25):
The only bank that they got to like take the
deal was Wells Fargo, which says a lot.
Speaker 3 (16:29):
So oh well they are, Yeah, trash truly a good
tool I've been using too. If you're like, look at
all these credit cards. It's a site called travel Freely.
And what they do they let you put it. You
don't have to like log it, you have to give
them any your counterformation. You just say what card you
have and when you sign up, and what it does.
It'll track the time you have until you're to get
(16:49):
like the spending limit, so you can get your bonus,
and then often also attracts your annual fees. It'll notify
even the annual fees coming up and then lets you
know what other cards you're eligible for for so like
it is like the you know, the Chase has a
five twenty four rule, all these different restrictions on how
often you can apply. It also keeps track of that
for you. So it's a free tool. It's really cool
because they get paid through like if you ever want
to sign up for a card and you click one
(17:09):
of their links, that's how they make money. So they
make the tool itself.
Speaker 1 (17:13):
Free to use.
Speaker 2 (17:14):
You just put me on because I hadn't heard of that,
and I Trouble.
Speaker 1 (17:17):
Freely Okay, I hadn't heard of that either. To the
points cut, I know, are those all the cards they
all use anymore? That you want to share.
Speaker 3 (17:28):
What else? I've tried some of the hotel ones, but
I often find that they're not the point values are
really high, Like it takes like so many points to
book a hotel room. But the one I want to
try next, I think is Hyatt just because they have
really they don't give you as big a bonus when
you sign up, but it takes so many fewer points
to book a hotel like you can get a nice
high hotel fight. Yes, No, I think it's double is
(17:51):
Double Tree the cookie people?
Speaker 1 (17:52):
Oh you're right? Why did I think? No?
Speaker 2 (17:55):
Hiatt is a little bougi er than a Double Tree.
Speaker 3 (17:58):
Yeah, except for.
Speaker 1 (18:04):
They're warm.
Speaker 2 (18:06):
Classy is one word.
Speaker 4 (18:09):
But you can use Chase points and transferred over to
Hyatt because when we were in Japan, we we paid
nothing to stay at the Higat Kyoto. We just used
the Chase portal to book it with the Chase and
it was pretty a good It was a really good rate,
a good transfer deal.
Speaker 1 (18:27):
I haven't heard y'all. Well, y'all don't have children, but
now I have a household. The Blue Cash Preferred or
the yeah, the AMX Blue Cash what is it? Yeah
card Preferred Credit card. That's been my jam for years
since I moved to the Birds, basically because of that
six percent cash back on groceries. The only thing though,
(18:48):
is I'm finally spending so much on groceries that I
easily max out the benefit. So they give you six
percent cash back up to six thousand dollars per year. Babe.
That's like I'm hitting that max by six months in
pretty much. I mean easily. Y'all know what diapers cost.
(19:08):
I needs start finding the potty real quick. But it's
just it's nuts, and it's that US supermarket, so it's
not like sometimes it's not the big box or like
the wholesale stores like Costco and stuff. You get six
percent cash back on groceries and I didn't even know that.
I get six percent on Select streaming subscriptions, three percent
(19:29):
back on transit, three percent back on gas. So it's
not bad as a gas card either, which is what
when we had a gas card we.
Speaker 3 (19:35):
Use it for.
Speaker 1 (19:37):
But that's my go to for grocery shopping. The Chase
Sapphire Reserve is my go to for anytime I'm ordering out,
anytime I'm like buying entertainment, travel or food. That's my
my Chase card and we didn't mention business credit cards.
But for business credit first, I had the Capital one Spark,
(19:58):
which is two percent is it two percent cash back
or one point five percent cash back? It's one of
those check for you. Oh, I love this fact check
on the go, get it for me. Thank you give
me the numbers on that, Christopher. So the Capitol one
Spark is the one that I use when I first
opened my business and needed a business credit card. But
(20:20):
then I joined the blue Vine bank account. So blue
Vine is an online only you do have blue Vine.
It was great. It was like hard to get in
in the beginning because you had there was like a
wait list. They weren't taking new clients all the time.
But I love blue Vine as an online only business
bank account. It is so easy to use. It's like
if you love some of my favorite tools as a
(20:42):
business owner. The ease of use, the user experience like Stripe,
I like a lot. Blue Vine is as seamless like
I can just like you can transfer money pretty easily.
Now I'm able to pay people directly through my blue
Vine account, so I don't have to pay you know,
fees that I may pay their ways are, you know,
paying through other portals. But they have a business credit
(21:04):
card now, so I signed up for that business credit
card now that it's all in one place.
Speaker 4 (21:09):
So unfortunately for I did not know Blue Vine had
a business card. My I do use them for banking
for my business banking. But my business credit card is
the AMEX.
Speaker 2 (21:21):
The which one is it? Let me check that because
I don't know the AMEX Business Cash.
Speaker 1 (21:29):
On AMX Business Cash. You know, we didn't even mention
the Chase Sapphire. The business card is also getting an upgrade.
But I don't use Chase soft Fire for my business.
Speaker 4 (21:39):
Yeah, I don't use the Chase software for business. But
I'm gonna check the blue Vine business card because I
didn't even know they had one. Y'all are putting me
on today. I got, I got travel Freely, I got
the blue Vine business card.
Speaker 1 (21:51):
I gotta check.
Speaker 2 (21:51):
I gotta look into I'm into this.
Speaker 1 (21:53):
So blue Vine Business, did you find out what the
capital one cash back is? Chris? It's two percent? Okay,
so blue mine slightly less. It's one point five percent
cash back. But there's no annual fee, which is always
what I well, it's what I was looking at as
a business owner. I don't My business expenses are not
so so high that I'm going to be making a
ton of money on to like justify a high annual fee.
(22:17):
So for now, we're humble and we had the Blue
Vine Business credit card.
Speaker 3 (22:22):
I'll take a Bluevine even know they existed.
Speaker 1 (22:24):
Capital Ones Park because of that two percent is also
a great option. Heyba fam, We're going to take a
quick break, pay some bills, and we'll be right back. Well,
that was our credit card. I'm going to make that
my whole episode for Friday. This is gonna be credit card.
Speaker 4 (22:41):
Seriously, I feel like a lot of people need a
quick update, especially with all this content I see on
social media now of like people are freaking out about
the prices going up with these cards.
Speaker 2 (22:48):
But the reality is you got to look at the
like truly do the math. Don't just like respond to.
Speaker 4 (22:54):
The price increase without looking at the holistic picture of
what you get. And if you're not going to be
able to get value from it, then just don't have it.
Nobody's forcing you to have it.
Speaker 2 (23:01):
But I think there are a lot of perks that
make it worth it for sure.
Speaker 1 (23:04):
Yeah I think so too, But please use credit cards responsibly,
very wisely, wisely all right BAFM. Well yeah, and thanks
Chris andan Nellie for the credit card. The credit card knowledge.
I want to know from y'all for this summer for
Hot Girl Hot Guy summer, what are you using to travel?
(23:25):
Are you going to sign up for the Chase Reserve card?
Let us know? Okay, va Fam, thank you so much
for listening to this week's show. I want to shout
out to our production team, Courtney, our editor, Carla, our
fearless leader for idea to launch productions. I want to
shout out my assistant Lauda Escalante and Cameron McNair for
(23:48):
helping me put the show together. It is not a
one person project, as much as I have tried to
make it so these past ten years. I need help, y'all,
and thank goodness I've been able to put this team
around me to support me on this journey. And to y'all,
ba Fam, I love you so so so so much.
Please rate, review, subscribe, make sure you signed up to
(24:10):
the newsletter to get all the latest updates on upcoming episodes,
our ten year anniversary celebrations to come, and until next time,
talk to you soon via buye
Chase Reserve car came out, this new list of perks,
and somewhere in there is a streaming perk. I think
it's Apple TV. Are y'all Chase Reserve cardholders did y'all
fall for the lore, the lore and the appeal like
the This was a moment, the Chase Reserve launching in
twenty seventeen, sixteen.
Speaker 2 (00:17):
Oh, huge moment.
Speaker 1 (00:18):
Yeah, it was one hundred thousand dollars. Sorry, one hundred
thousand points.
Speaker 3 (00:22):
I didn't see that.
Speaker 2 (00:24):
Wait, I didn't get that perk. How do I get
that one? But it's very annoying.
Speaker 4 (00:34):
I was tempted to pay the one hundred and forty
dollars for the yearly premium on Peacock because I was
tired of getting ads every But.
Speaker 2 (00:40):
I'm not doing it, y'all, I'm not doing those ads.
Speaker 1 (00:42):
Hold on, Chris, don't ruin it. She's giving me a segue, Baybay,
a segue.
Speaker 2 (00:46):
Take the segway, girl, take it.
Speaker 1 (00:48):
Speaking of the cost of streaming apps, Chase Reserve came
out with a brand new Chase Reserve car came out
this new list of perks, and somewhere in there is
a streaming perk. I think it's Apple TV, Apple Apple
And do have I, madam? I already have it up
(01:08):
to the points guy dot com. Have y'all are y'all
Chase Reserve card holders? Did y'all fall for the lore?
The lore and the appeal like the this was a moment,
the Chase Reserve launching in twenty seventeen, sixteen.
Speaker 2 (01:21):
Oh, huge moment.
Speaker 1 (01:22):
Yeah, it was one hundred thousand dollars. Sorry, one hundred
thousand points.
Speaker 3 (01:26):
I didn't see that.
Speaker 2 (01:28):
Wait, I didn't get that perk. How do I get
that one?
Speaker 1 (01:31):
That's how I pay for my honeymoon. That's how I
know the date so well. I'm like it was the
fall of twenty sixteen because I got the card and
then we used the points to get our honeymoon. We
got married twenty seventeen. But as a Chase Reserve customer,
the perks have gotten, especially the sign on perks, have
gotten kind of stale.
Speaker 4 (01:49):
They're so stale they would never hit that again. The
one hundred thousand, I have not seen it to that
level yet. And even now girl, with this streaming perk.
The streaming perk is one hundred and twenty dollars annual
credit for eligible streaming services. Hey, that's cute, that's cute,
But like, how are you gonna get to the point
where the forty eight month the forty eight month rule
was everything for people who like to turn credit cards.
(02:10):
And now it's a one you get a once per
lifetime benefit for sign up bonus and you cannot get
it again and again. And that was the thing that
people were using and abusing and it's over.
Speaker 2 (02:20):
It's over now.
Speaker 1 (02:21):
Yeah. Is that just with Chase or is it with
all card card companies?
Speaker 4 (02:25):
They've all the ones that they have are the Chase
Sapphire and the other one of the Reserve. Both of
those now you have one time welcome bonus and is
much harder to earn it and you can't get it
more than once.
Speaker 1 (02:38):
Well, I was about to hold a gun to my
husband's head. I mean I was about to ask kindly
for my husband to sign up for the Reserve because
I had signed up for it back then. It's been
almost ten years. We were too cheap to ever do.
They wouldn't let you add a joint cardholder for free.
Speaker 2 (02:55):
It was like you had to do two cards.
Speaker 1 (02:57):
You had to do two cards, and he never got one.
And I'm like, oh he can get one.
Speaker 2 (03:01):
Yeah, with your link with your AFRO, like that's what
we did.
Speaker 1 (03:04):
Well. They're bringing back the one hundred thousand point bonus though,
if you've ever had.
Speaker 4 (03:10):
It right so your so your husband can qualify for that. Yes,
definitely get him to.
Speaker 1 (03:14):
Jump on that, which is like what's his is mine
and I will be point, especially.
Speaker 2 (03:18):
When it comes to trial, especially when it comes to travel.
Speaker 1 (03:20):
Yes, but and they've also increased the Chase travel credit,
which it was three hundred now it's five hundred dollars
when you spend five thousand on the first But does
do those benefits carry on to a current customer? Do
I get the five hundred dollars travel credit now because
every year I get three hundred dollars of travel.
Speaker 3 (03:38):
Because I think I think so because your annual fee
is going up to next year.
Speaker 1 (03:42):
I was going to get to the bad part, you know.
Speaker 4 (03:47):
Three from what I from what I'm seeing, the three
hundred dollars travel credit on the Chase, that fire reserve
does not carry over from year to year?
Speaker 1 (03:55):
Oh anymore because it definitely has.
Speaker 3 (03:58):
Right what I it doesn't ext it's a user or
lose it thing like you don't get to watch.
Speaker 1 (04:02):
Yeah, you don't stack, Yeah, but I would always I mean,
I wouldn't even think about it. I would just be like,
oh that's nice because I'd buy Ubers, or it would
be for a lot of different things. Cabs, Metro North.
All right, well let me break down some of the perks.
We've done. The one hundred thousand this is for new
new members. But Chase has been like promoting this big
(04:22):
announcement for weeks now. There were these big billboards, really
awkward ones, with a model holding a giant Chase credit
card on the Metro North and I'm just like, this
is the stupidest marketing I've ever seen. But it was.
It was put together in a rush, but for the like,
for the pomp and circumstance of it, and like how
excited they've all been. I don't know that the perks
and the fact that yes, the fee now is going
(04:44):
up to seven hundred and what seven ninety five, seven
ninety five dollars.
Speaker 3 (04:50):
Basically I'm mad with that.
Speaker 1 (04:51):
Just just say it's eight hundred, because I thought.
Speaker 3 (04:53):
I just take the other five dollars in you know.
Speaker 2 (04:56):
Psychology works, it's under eight hundred. It's under eight hundred.
Speaker 1 (05:00):
I hate it. Five hundred and fifty I think is
what it has been. I don't even know if it's
worth me keeping the card. I might just let Husby
get the card and just get rid of mine.
Speaker 4 (05:11):
I mean, ask yourself, is it worth sixty six dollars
a month? Because that's really what it comes down to, right,
sixty six dollars a month.
Speaker 2 (05:20):
Yeah, that's at the end of the day. Most people
they look at seven ninety five, they look at five fifty.
They go, that's insane because you're looking at all at once.
Speaker 4 (05:25):
But if you're going to benefit in sixty six dollars
of value per month at least, then it's worth it.
Speaker 2 (05:31):
And it's worth it.
Speaker 1 (05:32):
Well, let's see eight X points on all this is
the and now they have a business, will make sure
I have the right one up eight They say, you
get twenty seven hundred dollars in annual value. But let's
see it looks like eight X points on all travel
purchases made through Chase Travel, four X points on flights
that are booked direct through Chase. I think it used
(05:53):
to be three x four X points on hotels, three
X points on dining. That was that's that standard. Oh,
so the five one hundred dollars that's a promo credit.
Speaker 3 (06:02):
Yeah, it's a one time thing, a one time thing.
Speaker 1 (06:04):
So then they're keeping the three hundred annual travel credit.
You're getting a five hundred dollars credit for stays booked
using the edit, which I actually haven't used. I didn't
realize that was something that they had. It's like a hotel.
Speaker 3 (06:16):
Those are I believe they're expensive hotels though, so it's
like you're not getting like that five hundred credit, which
is two hundred fifty dollars each, is not all at once.
It's only taking a fraction off of those hotel prices.
Speaker 1 (06:28):
They have dash Pass membership for one hundred and twenty
dollars and three hundred dollars and door Dash promos. I
already use dash Pass membership. I do think I get
my money's worth.
Speaker 4 (06:39):
And they also have restaurant credits too, Like I travel
so much for work that like sometimes I just want
to instead of paying six seventeen.
Speaker 2 (06:46):
Dollars for a bottle of water at the airport.
Speaker 4 (06:49):
Convenience, now I will step into the lounge real quick,
have a whole meal, get what all of that stuff
that I need right for with a benefit with my
card and if not, with lounge access, because I know
that the prefer doesn't have lounge access, but the reserve does.
But sometimes you get a little perk to get lounge
access with the preferred.
Speaker 1 (07:05):
But we even forget you the game card, my Priority
pass card.
Speaker 2 (07:08):
You gotta have that. Put it on your phone.
Speaker 4 (07:13):
I have it on my wallet, on mynallet yep. Do it.
And not only that, but if you don't end up
seeing a lounge anywhere nearby, you still get restaurant credits.
Twenty thirty bucks goes a long way at the airport,
so you don't have to constantly be spending money.
Speaker 2 (07:27):
So I think the.
Speaker 4 (07:27):
Problem is so many people got it and they don't
like they don't actually travel enough to get the benefit.
Speaker 2 (07:35):
Be real with yourself. You might have the idea of the.
Speaker 1 (07:38):
Goal to we've done. Had it on my phone, y'all.
Speaker 3 (07:41):
Girl, get that. You better get that QR code off
the screen.
Speaker 1 (07:44):
Did you tell.
Speaker 2 (07:48):
Snap shot snapshot real snaps everyone?
Speaker 4 (07:50):
Damn no, girl, Did you really get denied because you
thought you didn't have your Priority pass and it was
on your phone?
Speaker 1 (07:55):
I forget you know, I don't even bother to I'm
usually so late to the airport. I don't have to.
I'm see for me.
Speaker 2 (08:03):
It's the layovers. If I ever have a layover, I'd
be like, all.
Speaker 1 (08:05):
Right, I'm not gone. It would have been nice. And
oh when we were going to London, my friend was like,
don't you have priority pass? I was like, yeah, I
don't have the card with me. I forgot it and
JFK is JKS earlier.
Speaker 2 (08:20):
That's GUARDI earlier because they hooked that thing up. Guardia
looks really nice.
Speaker 1 (08:24):
Now. Guardias is so nice, nice, so nice organized that
I had to I went to the airport for nothing
because my flight ended up being canceled. I went and
got me a nice burrito. I did a little bit
of shopping and I was like, huh oh, cut.
Speaker 2 (08:37):
That water fountain that looks like a Balacchio in Vegas.
Speaker 1 (08:39):
They did. They did that.
Speaker 2 (08:41):
I mean, there was a lot of taxpayer dollars, but
but it's very pretty.
Speaker 1 (08:44):
So we'll give you that stub Hub credit. I just
bought three hundred dollars stub Hub credit, so you can
get up to one hundred and fifty dollars in statement
credits two times per year through January through June and
then again from June to Decimer. So god, I just bought.
I mean, I'm not it's like super I'm pretty proud
(09:05):
of it. I don't care. I bought another take to
see Beyonce in Atlanta.
Speaker 2 (09:08):
I know you were gonna say that.
Speaker 3 (09:10):
You can say away because.
Speaker 1 (09:14):
Listen, Linda, listen back to visit my dad anyway, I
have a work trip coming up. You know Dad's going
to be alone. I was like, I volunteer a tribute.
I'll come, I'll come, pick me, pick me immediately because
she was overlaps with her dates in Atlanta. But I
(09:35):
need to see her with my people, like I need
to be surrounded by Atlanta's And I got the best deal,
Like I have incredible I have an incredible seats. I
have an incredible seat. I'm taking myself, me myself, and
I like dead center front row of the first section
that has a seat. And it was like five hundred
(09:56):
bucks and.
Speaker 2 (09:56):
You could have got it for two hundred with the
three hundred.
Speaker 1 (09:59):
But stop, I'm gonna activate this ship.
Speaker 3 (10:01):
They better get well hold up. You only go get
one hundred and fifty now credit because it's always per
half the year.
Speaker 2 (10:09):
Better than but honey, it's a discount. We take those.
Speaker 1 (10:13):
So basically that, oh, this would be one hundred and
fifty for the last half of the year. I was
going to say, we I'll get another ticket.
Speaker 2 (10:20):
No, no, no, you can't activate it twenty Yeah, you
know exactly. It's worth five doubles that if I get two,
then it's work all right.
Speaker 1 (10:27):
Then they can Chase pay me for all his promotion.
They got two hundred and fifty dollars worth of Apple
benefits Apple TV plus they got one hundred and twenty
dollars in lift credits something about Peloton. Go check it out,
y'all can go to check credit cards dot Chase dot com.
Yeah uh, and don't get it if you can't afford
that incredibly high fee and all safety.
Speaker 4 (10:47):
Six dollars a month, but it's paid once, all at once.
Seven ninety five gets taken from your account in January,
so just be very aware that you have to pay
that all up front, but spreading it out sixty six
per year. Don't be paying interest on the credit If
you're paying interest on your credit card, stay away, stay away,
graduate up to interest.
Speaker 1 (11:06):
I paid some interest this year, y'all.
Speaker 4 (11:09):
Don't do it.
Speaker 1 (11:09):
It's truly it does. It does, and also be like,
oh I should use this card. I'm like, girl, you
know you're gonna pay interest on it. No, I'm gonna
get back to the payoff in full, y'all. I'ming to
get back. It's been a weird year. When you hear
that guy that's sixty eight dollars a barrel like costs
her high. Hey, ba fam, we gonna take a quick break,
(11:30):
pay some bills, and we'll be right back. All right,
ba fam, We're back. But what else is in what's
in your wallet? What else are y'all using and loving?
Because it feels like, maybe for the first time in
a while, cards are like AMX is supposed to answer
the Chase reserve updates sometime soon, it's imminent. But I'm
curious what else y'all are using.
Speaker 3 (11:52):
I've been running with the Capital One venture X for
a little bit because of the lounge access and they
give you that three hundred dollar annual credit, so those
together pretty much cover the annual feed for me. I
think it was something else I get with them, and
I'm like, okay, yeah, it feels worthwhile. But the lounge
access is because how much does it cost I think
it is three ninety five, so reasonable. Yeah, it's not bad.
(12:15):
It could be changing. Everybody's changing. There is now get
access to so I get a's priority passed, and then
there's another series of like international lounges you get. But
it's a little bit because I only had the Chase.
You know, I'm not big time. Like the two of
you don't have the reserve. I had the Chase preferred,
so that one you really don't get into anything with
that one.
Speaker 2 (12:32):
That's the point you need the reserve, the reserve.
Speaker 3 (12:35):
But the with the Capitol one, there's actually a really
nice lounge just open up inn SFO that I use
and has like you know, it's clean, new, they got
good food, they got a good space to relax, they
got showers and bathrooms all that stuff. So for me,
it was like, okay, this is perfect because that's the airport.
I'm either then or Oakland. And there's even a lounge
in Oakland that I can can get into as well.
So it's like, you know, that's what I'm going with
(12:55):
now that in Southwest because that's when I get like
the you get four seed upgrades on it and you
get seventy five hundred points a year and then you
get a I think it's one hundred and fifty, No,
seventy five dollars credit, and the annual fees is like
one hundred and fifty. So all that together is worth more.
Because I just upgraded my seat because my flight got canceled.
It would have cost me ninety one dollars it was free,
So I'm like, already right there, I did already already.
Speaker 2 (13:17):
Just that one thing made it worth it.
Speaker 4 (13:19):
Yeah, I don't fly Southwest as much, but that sounds
like it's definitely worth it if.
Speaker 2 (13:23):
You fly Southwest a lot.
Speaker 4 (13:25):
But although there are changing things, they're doing assigned seats
and they're getting rid of the free bags.
Speaker 1 (13:29):
I don't like that.
Speaker 3 (13:30):
If you know, I don't know.
Speaker 1 (13:33):
I've flown. I flew Southwest a couple times last year
and it just was stressful.
Speaker 2 (13:37):
Yeah, I don't like them finding seats. I don't like that.
I need to know where I'm sitting.
Speaker 3 (13:41):
Like what, yeah it is, But the thing is like
for me, I always eat the leg room and I
don't have to pay extra sit in the exit row
at least I didn't have to, so I'm like it's perfect.
I pay the same price to everybody else. And if
I get if I check in earlier, if I can
get to that exit row, if not, but if other flights,
I pay extra one hundred dollars to sit over there.
Speaker 2 (13:57):
That's true, That's very true.
Speaker 3 (13:58):
But I probably will soon or a lid for every pot.
Speaker 2 (14:03):
A lid for every part.
Speaker 1 (14:04):
All right, So Capital one X I've.
Speaker 4 (14:07):
Been using two one is the we just got this
year for the first time, the American the American Express,
the Platinum card, which is it's a big one.
Speaker 2 (14:15):
It's six hundred and ninety five.
Speaker 4 (14:16):
That was a year.
Speaker 1 (14:17):
But is that the one that's on par with the
Preserve or the Reserve Chase Reserve so their pars are
going to be going up?
Speaker 2 (14:24):
Yeah, oh for sure.
Speaker 4 (14:25):
And the ones that we signed up for was you
spend eight in the first three months and you get
oh no, first six months, so it was actually even
more time to spend the eight thousand, but you get
one hundred and seventy five thousand points, which was one
amazing five. Yeah, so we've been we've been using it.
We went for Jamil's birthday which was Moral Day week
and May twenty fifth, we went to Hawaii for two weeks.
Speaker 2 (14:47):
Almost didn't really spend much on the travel stuff.
Speaker 4 (14:50):
So I feel like if you are strategic with the car,
if you get the points and stuff and you're using
it correctly, and if y'all don't know and you're like, wait,
I'm sleeping on this, there's a lot of content creators
that focus on points and miles that you know, are
really really great. Like I learned so much from some
of them, because even I was very basic when it
comes to credit card Like I just was like, I just.
Speaker 2 (15:09):
Got these three or four cards that I need.
Speaker 4 (15:11):
I keep the annual fees pretty low and only a
few like two years ago to now is that I
started getting in the game with more strategic cards. So
the second one, besides the Amex one, which has like
a bunch of credits, it definitely makes it's worth the
six ninety five fee for sure.
Speaker 2 (15:24):
But the other one is the built rewards credit card,
which we used to pay rent. We're not homeowners yet,
so our rent is a little pricey.
Speaker 4 (15:33):
Like Miami rent three thousand dollars a month, so a
little bit upwards from that. In New York as well,
rent was pretty pricey, but we have we pay less
rent now. In Miami, but it's still a lot. So
we put it on the Built card every month. There's
no fee for it because they create like a bank
account through the credit card portal, so you use the
bank account to pay your rent instead of a credit card,
so you don't pay fees, and then all of those
(15:54):
points you get. And so we're already at like eighty
thousand points just from paying rent with the Built card.
So that's two freaked flights that we already have just
waiting for us in the Built portal.
Speaker 2 (16:03):
So it's like, okay, those two have been.
Speaker 1 (16:05):
We talked about that. We were like when we first
started talking about the bill or when you first brought
it up originally, we were both thinking like how long
are they going to keep this up for? Like or
were they gonna make money?
Speaker 2 (16:16):
Milk it while you can milk it, while right, milk
it while you can't.
Speaker 4 (16:21):
I think a lot of banks refuse, I was gonna say,
I think a lot of banks refuse to work with them.
Speaker 2 (16:25):
The only bank that they got to like take the
deal was Wells Fargo, which says a lot.
Speaker 3 (16:29):
So oh well they are, Yeah, trash truly a good
tool I've been using too. If you're like, look at
all these credit cards. It's a site called travel Freely.
And what they do they let you put it. You
don't have to like log it, you have to give
them any your counterformation. You just say what card you
have and when you sign up, and what it does.
It'll track the time you have until you're to get
(16:49):
like the spending limit, so you can get your bonus,
and then often also attracts your annual fees. It'll notify
even the annual fees coming up and then lets you
know what other cards you're eligible for for so like
it is like the you know, the Chase has a
five twenty four rule, all these different restrictions on how
often you can apply. It also keeps track of that
for you. So it's a free tool. It's really cool
because they get paid through like if you ever want
to sign up for a card and you click one
(17:09):
of their links, that's how they make money. So they
make the tool itself.
Speaker 1 (17:13):
Free to use.
Speaker 2 (17:14):
You just put me on because I hadn't heard of that,
and I Trouble.
Speaker 1 (17:17):
Freely Okay, I hadn't heard of that either. To the
points cut, I know, are those all the cards they
all use anymore? That you want to share.
Speaker 3 (17:28):
What else? I've tried some of the hotel ones, but
I often find that they're not the point values are
really high, Like it takes like so many points to
book a hotel room. But the one I want to
try next, I think is Hyatt just because they have
really they don't give you as big a bonus when
you sign up, but it takes so many fewer points
to book a hotel like you can get a nice
high hotel fight. Yes, No, I think it's double is
(17:51):
Double Tree the cookie people?
Speaker 1 (17:52):
Oh you're right? Why did I think? No?
Speaker 2 (17:55):
Hiatt is a little bougi er than a Double Tree.
Speaker 3 (17:58):
Yeah, except for.
Speaker 1 (18:04):
They're warm.
Speaker 2 (18:06):
Classy is one word.
Speaker 4 (18:09):
But you can use Chase points and transferred over to
Hyatt because when we were in Japan, we we paid
nothing to stay at the Higat Kyoto. We just used
the Chase portal to book it with the Chase and
it was pretty a good It was a really good rate,
a good transfer deal.
Speaker 1 (18:27):
I haven't heard y'all. Well, y'all don't have children, but
now I have a household. The Blue Cash Preferred or
the yeah, the AMX Blue Cash what is it? Yeah
card Preferred Credit card. That's been my jam for years
since I moved to the Birds, basically because of that
six percent cash back on groceries. The only thing though,
(18:48):
is I'm finally spending so much on groceries that I
easily max out the benefit. So they give you six
percent cash back up to six thousand dollars per year. Babe.
That's like I'm hitting that max by six months in
pretty much. I mean easily. Y'all know what diapers cost.
(19:08):
I needs start finding the potty real quick. But it's
just it's nuts, and it's that US supermarket, so it's
not like sometimes it's not the big box or like
the wholesale stores like Costco and stuff. You get six
percent cash back on groceries and I didn't even know that.
I get six percent on Select streaming subscriptions, three percent
(19:29):
back on transit, three percent back on gas. So it's
not bad as a gas card either, which is what
when we had a gas card we.
Speaker 3 (19:35):
Use it for.
Speaker 1 (19:37):
But that's my go to for grocery shopping. The Chase
Sapphire Reserve is my go to for anytime I'm ordering out,
anytime I'm like buying entertainment, travel or food. That's my
my Chase card and we didn't mention business credit cards.
But for business credit first, I had the Capital one Spark,
(19:58):
which is two percent is it two percent cash back
or one point five percent cash back? It's one of
those check for you. Oh, I love this fact check
on the go, get it for me. Thank you give
me the numbers on that, Christopher. So the Capitol one
Spark is the one that I use when I first
opened my business and needed a business credit card. But
(20:20):
then I joined the blue Vine bank account. So blue
Vine is an online only you do have blue Vine.
It was great. It was like hard to get in
in the beginning because you had there was like a
wait list. They weren't taking new clients all the time.
But I love blue Vine as an online only business
bank account. It is so easy to use. It's like
if you love some of my favorite tools as a
(20:42):
business owner. The ease of use, the user experience like Stripe,
I like a lot. Blue Vine is as seamless like
I can just like you can transfer money pretty easily.
Now I'm able to pay people directly through my blue
Vine account, so I don't have to pay you know,
fees that I may pay their ways are, you know,
paying through other portals. But they have a business credit
(21:04):
card now, so I signed up for that business credit
card now that it's all in one place.
Speaker 4 (21:09):
So unfortunately for I did not know Blue Vine had
a business card. My I do use them for banking
for my business banking. But my business credit card is
the AMEX.
Speaker 2 (21:21):
The which one is it? Let me check that because
I don't know the AMEX Business Cash.
Speaker 1 (21:29):
On AMX Business Cash. You know, we didn't even mention
the Chase Sapphire. The business card is also getting an upgrade.
But I don't use Chase soft Fire for my business.
Speaker 4 (21:39):
Yeah, I don't use the Chase software for business. But
I'm gonna check the blue Vine business card because I
didn't even know they had one. Y'all are putting me
on today. I got, I got travel Freely, I got
the blue Vine business card.
Speaker 1 (21:51):
I gotta check.
Speaker 2 (21:51):
I gotta look into I'm into this.
Speaker 1 (21:53):
So blue Vine Business, did you find out what the
capital one cash back is? Chris? It's two percent? Okay,
so blue mine slightly less. It's one point five percent
cash back. But there's no annual fee, which is always
what I well, it's what I was looking at as
a business owner. I don't My business expenses are not
so so high that I'm going to be making a
ton of money on to like justify a high annual fee.
(22:17):
So for now, we're humble and we had the Blue
Vine Business credit card.
Speaker 3 (22:22):
I'll take a Bluevine even know they existed.
Speaker 1 (22:24):
Capital Ones Park because of that two percent is also
a great option. Heyba fam, We're going to take a
quick break, pay some bills, and we'll be right back. Well,
that was our credit card. I'm going to make that
my whole episode for Friday. This is gonna be credit card.
Speaker 4 (22:41):
Seriously, I feel like a lot of people need a
quick update, especially with all this content I see on
social media now of like people are freaking out about
the prices going up with these cards.
Speaker 2 (22:48):
But the reality is you got to look at the
like truly do the math. Don't just like respond to.
Speaker 4 (22:54):
The price increase without looking at the holistic picture of
what you get. And if you're not going to be
able to get value from it, then just don't have it.
Nobody's forcing you to have it.
Speaker 2 (23:01):
But I think there are a lot of perks that
make it worth it for sure.
Speaker 1 (23:04):
Yeah I think so too, But please use credit cards responsibly,
very wisely, wisely all right BAFM. Well yeah, and thanks
Chris andan Nellie for the credit card. The credit card knowledge.
I want to know from y'all for this summer for
Hot Girl Hot Guy summer, what are you using to travel?
(23:25):
Are you going to sign up for the Chase Reserve card?
Let us know? Okay, va Fam, thank you so much
for listening to this week's show. I want to shout
out to our production team, Courtney, our editor, Carla, our
fearless leader for idea to launch productions. I want to
shout out my assistant Lauda Escalante and Cameron McNair for
(23:48):
helping me put the show together. It is not a
one person project, as much as I have tried to
make it so these past ten years. I need help, y'all,
and thank goodness I've been able to put this team
around me to support me on this journey. And to y'all,
ba Fam, I love you so so so so much.
Please rate, review, subscribe, make sure you signed up to
(24:10):
the newsletter to get all the latest updates on upcoming episodes,
our ten year anniversary celebrations to come, and until next time,
talk to you soon via buye
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