 I think it's about time to do my yearly, this is how I make lots of money just using credit cards tactically. Now if you guys have seen these videos in the past last year or whenever I did them, I'm a big fan of credit card churning. I will get credit cards and then I will take the introductory offers, which is often, you know, spend some amount and get $200 free, you know, $300 free or whatever. And I just keep the cards open, I don't put money on them afterwards or sometimes a little bit of money. But that actually adds, I mean you could get lots and lots of free money because all of these credit card companies, at least in America, are desperately trying to get more customers. They're trying to get stupid customers who are just, I don't know, entranced to buy free money. And for everyone who isn't stupid, you could basically just, you can churn cards, you can pay for your normal expenses on them and just keep the cards. And it doesn't do you any harm. In fact, over time and actually having all that credit, it looks good on your credit score if that means anything. So, but in this video, I've talked about that in the past. I'm not gonna just repeat that video. Instead, I am going to do what's in my wallet, the equivalent of that, what specific cards I actually recommend that people use if you're thinking about getting into this. Or really, at this point, I've almost churned every card on the market. I haven't actually done any duplicates. Sometimes you can get more than one of the same card. But I wanna just give, just talk about how I make money back on credit cards in general. Now, just to give you some perspective, a lot of people, last time I did this video, there were always naysayers who like literally, you tell them you can get free money from this and they just hate it for some reason. Cause I don't know, they're just people like that. But just a matter of perspective, this year I actually bought a new used car, okay? And it was a phenomenal deal. I got, this is almost unbelievable, especially in the used car market, you know, this year. But I got a used Lexus for less than $2,000, runs phenomenally, runs like it just got pulled off the lot. So my way of thinking of that is that $2,000, I made that just from credit cards in the past year, just from like using credit cards for the things that I was gonna buy anyway with the different offers they have. So basically doing this got me a free card. That's how I think of that, okay? But anyway, let's go ahead and talk about it. So firstly, I have six different cards I'm gonna talk about and why I use them. And there's actually a seventh that I don't have that I wanna talk about. But either way, the first card that I usually recommend people to get if I'm recommending someone in real life to actually start churning credit cards, get the Chase Freedom card. Or really, this has been rebranded to be the Chase Freedom Flex card. This is, in fact, when I first did my video on this a couple years ago, I didn't even have this card. And I feel so stupid because I probably make the most money off of this every year, probably close to at least $1,000 just on this card alone. And that's for multiple reasons. And mind you, I don't even spend that much, okay? I just wanna be clear, it's easy to make money off this card. Firstly, it has an introductory offer of if you spend 500 bucks on this card in the first three months, you get 200 back. So that's 200 free dollars. But it actually has a second introductory offer. Normally, you'll have just something like that and that'll be it. But this actually comes with two introductory offers. The second one being just as useful. In fact, you could probably make even more off this depending on how much you spend. In the first year that you have this card, they will give you 5% back on all groceries you buy with it, okay? And everyone buys groceries, okay? So that is absolutely phenomenal. I only buy from grocery stores. Now it doesn't, I should say, it doesn't work at Walmart and stuff like that. But any grocery store that is just a grocery store, it will work on. So that can mean lots and lots of money just saved. An average person who doesn't even spend that much, you are gonna be buying groceries so you can benefit from this. But the main effect of this card, the main thing that it does, the main gimmick, is it is a 5% rotating category card. And that means that every quarter, so the year is divided into four quarters, every quarter Chase decides, oh, we're gonna give you 5% back for these two categories or something like that. And they're all, they're very generous categories. They could be anything, for example, anything you buy with PayPal by this card. Like if you set this up with PayPal, you can get 5% back on everything through a quarter or something like that. And that is actually phenomenal because you can buy everything on PayPal. Or it might give you for a quarter, 5% back on gas stations. I think right now they have 5% back on Walmart and PayPal. I think that's what they're doing right now. I actually haven't used this much. I haven't had the reason to use this that much, this quarter, but last year when they were doing the PayPal thing, I actually bought, I actually put $1,000 down buying an Airbnb thing for a couple of days, like a vacation. And I got 5% back on that vacation, right? Because of that. So the normal effect of this, the rotating categories thing, it's actually really good. You can get 5% back on groceries or gas. Oh, actually, they do do groceries as a category. And it is cumulative with the amount you earn in the introductory offer. So, or it ends up being like 9% back or something. So like this past a couple of months, they were doing groceries as the 5% back category and I had 5% back in the introductory offer. So I was actually getting 9% back. I don't know how that math works, but that's what showed up. I got 9% back on my groceries and I actually stocked up my freezer and stuff like that because I knew I was getting in a little cheap. So Chase Freedom renamed the Chase Freedom Flex. This is what I recommend to people, often as a first card, just because you can get so much from, oh yeah, and I didn't even say, one of the biggest ways that I can make money off of this, I mean, you can too. But there's actually just like a referral link that comes with it. You can make, if you recommend five people, like you can recommend five people to use this card and for each one, you get $100 credit, okay? So that's a lot. And this card is actually, this can save a lot of people money. There are a bunch of credit cards where you can recommend people, I mean, they're crap and you can recommend people to them. You know, they have stupid annual fees. This of course doesn't. One of these cards have annual fees that I'm gonna talk about. I think they're total ripoffs if they do have that. But you can recommend your mom or your girlfriend or whoever to get this card and you get $100 free credit. I just put this on my website, okay? Like on the article where I'm talking about like credit card stuff. And I will get those five clicks like within January or February. I've already gotten them for this year. So, you know, I'm not shilling this to you. I mean, you can't click on my referral link, but I already got the money for this year, but whatever. So that is something to keep in mind too. So as far as I'm concerned, that's $500 free because this is a good, recommendable card. Card number two is Discover It. Now Discover It basically is the same thing. It works the same way. It's a rotating category card. So I'm not gonna talk that much about it because it's the same principle. I think right now they're giving you 5% back on walmart.com, target.com and Amazon. Target and Amazon, I'm never gonna use. Walmart, sometimes I use. I usually get like oil, like engine oil from Walmart. That's about it. Sometimes other things. But again, they can give gas stations like 5% back on that groceries, whatever. Same kind of things. Obviously it goes very well with this card because they're basically never doing the same thing at the same time. I guess right now this is technically doing Walmart in-store purchases and this one is doing walmart.com but those are kind of different. So having these two is actually really nice because basically every year they're gonna do things like gas stations or restaurants or something like that. So I mean, if one is doing one quarter and one is doing the other, half the year you're getting 5% back on that category. Now Discover It is also nice because the first year you have it, I only recently got this card, but the first year you have it, they actually double the cash back you get from everything. So instead of getting 5% back from walmart.com, I'm actually getting 10% back right now. Or next quarter their category is gonna be groceries. So instead of getting 5% back on groceries, I'm actually gonna get 10% back because it's my first year of having this card. And again, I only recently got this. It's a pretty common one. A lot of people will have it. But anyway, that's about it. So these go very nice together and they're worth getting. Although Discover It does not just give you a lump sum like a lot of these cards do at the beginning, but that double cash back is actually pretty useful anyway. So card number three is actually, before I should say that, before I go into the Wells Fargo Propel, I will just go and say there's one card I don't have that I want to have that would go even better with this. This card came out this year. It's called the City Custom Cash. And how it works is you can use it on anything of course. I mean, any of these you can use on anything, but how it works is every single month, whatever category you spent most on, you get 5% back of that. So you could spend it on groceries or gas stations or restaurants or whatever, and you will get 5% back on that. So it's sort of like these two, except for you get to choose how to use it and it comes with an introductory offer. I think you get 200 bucks free. That card I plan on getting after the grocery offer at the beginning of first quarter is over with this card. I will probably get City Custom Cash just to pay for my groceries on that because my introductory offer with this expired a couple months ago. But so City Custom Cash is a nice card that I'm sort of, that's sort of the last card that I really want that I don't have, but anyway. Card number three that I have is Wells Fargo Propel. I want to say this is a relatively new card too. It actually is somewhat, it's like half metallic or something. It doesn't feel that different, but it's a little more weighty. And it's one of the best no annual fee cards you can get. Now it doesn't do any of the new fangled rotating category stuff. It's actually simpler than that. Firstly, you do get an introductory offer with this. I think it was 200 bucks. But, and of course these introductory offers I should say they do change. Like it might be 200, might be 250, might be 150. A lot of times they're the same. This is pretty consistently 200. But anyway, so the effect of this card it's very nice. No rotating categories or anything, but what it does is it just gives you 3% back on restaurants. Aren't anything travel related. That can mean gas. That can mean hotels. That can mean airfare. That can mean Uber and Lyft. That can mean public transportation. 3% back on all of those categories. So this is just really nice to have for all, like I pay for restaurants and that. You know, if one of these doesn't have a rotating category for restaurants, I will use this. 3% back is still very, very good. So it is just nice to have. And there are a lot of like annual fee cards that you pay $500 a year for that get the same effects as this. I don't know why you would use that unless you have some kind of like points magic you're doing. I recommend just getting this. And I will make a comment. Notice that like I have cards from a bunch of different companies. That's partially because I'm choosing the best cards from each company that go together or whatever. But that also has another benefit. And that is every week or two when I'm bored, I will open up the sites to all of these cards. And they will have, you know, a weekly deal or something like that or a deal that'll last for the next month that you can benefit from. So one example, and I have another American Express card, but, you know, this is an American Express card. American Express specifically has this really great deal. I just made $50 from this where it's called Shop Small. And it's, they're very generous. They were doing something for this Christmas season where if you spend, if you go to a local restaurant or local hardware store or just local store and spend more than $10, you will get a $10 credit. Okay, you literally, like if you spend $10 and one cent, you will get $10 in credit back. You just paid one cent for that thing. And you can do that five times. I've actually already done that five times with this and gotten the free $50. And American Express cards have been doing that a couple of times a year, basically. And that's very nice. But anyway, all of the advantage of having different cards from different companies is that they'll all have like some special deals going on. Most of them are trash, frankly. But there are a lot that I've gotten like, oh, here, oh, you can get like, I got a hotel.com gift card for like 20% off or something like that. Stuff like that where if you're already gonna buy something, you might as well make your points or whatever go even further. So that's another advantage of having all these different cards. No, one card, I will talk about this because it's in my wallet and I use it a whole lot, but this is kind of an exclusive card. This is card number four. This is a USA cashback rewards plus card. Now, USA is actually not open to everyone. It's only open to Americans who have family members in the military and it could be very distantly in the military, but that is who USA is open for. USA is great, they have great rates for insurance and everything else. But I have this card just because it is, it gives you 5% back all the time on gasoline. That is the only reason I have this card. I always keep it on my wallet. I don't use it for anything else other than gas and it actually gives you 5% back for other things you buy at gas stations. But this is that. This is all I use for that. Now, again, USA is kind of exclusive. If you cannot get, if you can't get USA, you can just use the Wells Fargo Propel. It gives you 3% back on gas or one of these, which if they happen to have a rotating category. But this is what I use and I've actually had this card for a little bit and it's just nice 5% back on gas. It also gives you 2% back on groceries, but that is subsumed by this next card, okay? Now, when all of these cards, they have very fancy features, you know, oh, 3% back on this, 5% back on this, depending on what time it is. This is like a super simple card. This is a PayPal Mastercard. And basically, if I'm buying something that isn't, doesn't have some specialty that one of these cards is gonna give me a lot of money for, I will use the PayPal Mastercard. Why is that? The only effects of this card is it gives you 2% back on literally everything. If I'm buying something from a local hardware store, I will use this card. If I'm paying for my bills, all of my bills I pay for on this card because they're not part of any other category and I just get the 2% back. So this is a nice and simple card. It's actually easier to get than most cards. I don't think they even do a hard pull on your credit, but this is a really fantastic card just for that. It doesn't do anything fancy, but actually I even, so you guys know I have this site, lindypress.net where I sell ad-apprentment books. I actually have this card do my expenses on that site because I need to, if you buy $100 in books from that site, my expenses might be 50 bucks. I actually have this card automatically pay for those expenses, shipping and all that kind of stuff. So I'm actually getting 2% back on all my business expenses. I actually really use this card more as a business card. I don't really actually take it around that off. Actually I should say the Discover card since I'm still in my first year, gives you 5% back on rotating categories and 1% back on everything else, but since things are doubled for the first year, this actually, I should just carry around this and use it instead of that because I'm getting 2% back on everything else. But this is basically my business card. And of course, if you just want a card that gives you a good solid cashback amount, this'll work. I don't have to think about it, but I recommend thinking about it. This doesn't have any introductory offer or anything like that, but anyway. So the last card I have in my wallet, I didn't expect to ever actually use. And this is the American Express, I think blue cash, might just be cash, it just says cash on it, but I think it's actually called blue cash. American Express is confusing because they have a bunch of different, like blue cash every day, everyday cash, whatever. Either way, this is the one, the blue one with the guy's face on it. Who is that? I don't know, Perseus. I don't know who this is supposed to be. The American Express guy. Either way, some kind of vaguely Greek guy. I don't actually know the lore of American Express. Either way, I got this card actually earlier in this year, like all the other cards I get just to pump and dump the introductory offer. But this one has stayed in my wallet for a couple reasons. This is the first American Express card I've gotten through American Express. And I will say that the actual features of this card are pretty weak. It just gives you 100 or 1.5% back on everything, which of course is useless if I have this because I could just use this instead and make more money. But American Express cards themselves come with so many deals. I mentioned that you can look online and get a bunch of deals for stuff. This one comes with so many different deals that it honestly makes it worth my time to keep it in my wallet. And I do, I did put this card on, this does come within a referral length, referral link like Chase. And I think I'll put it on my website. Every once in a while someone will click on it and they'll get 75 bucks or something. Actually, I wanna say Discover It has a referral link. I haven't, maybe I haven't put it up there. But every once in a while I'll get a referral link for this and I think it's 75 bucks. I forget what the maximum number of referrals is in a year. There's always a max, because if there weren't a max, I would just be here every day telling you to get credit cards and I'd get 100 bucks for each of them, which would be obscene. But, so this card I have just because American Express has a lot of extra goodies, extra benefits and things that, I check the site every week or two just to activate whatever's good. And there's always, I don't know, I'm trying to, I mentioned the shop small thing that this card had as well. But a lot of times American Express will just give stuff with these. And American Express cards are actually just good to have because American Express is pretty liberal with expanding your credit line. The word on the street is that if you have a card for three years, you can pretty much triple your credit line and they'll accept whatever you want. So American Express is nice just to have because it looks good on your credit record. And again, there are a bunch of hidden benefits. But the card itself, like American Express cards themselves, if you look them up, they're none of them are really that impressive. I will go ahead and say, if you look at just the features, but this is still on my wallet and I still use it for things. And of course, most American Express cards are annual fee cards, oh, 500 bucks a year, which is a total waste. I mean, they'll come with something like $200 credit for travel or Uber or something. But any annual fee card, I just don't think it was being worth it. So anyway, all things considered, all of these cards, this one probably makes me around 1,000 bucks a year. This one, I'm not quite sure. I wanna say this probably makes me a little less than 500 a year. I've had this for less than a year, but this is just me multiplying things in my head. I'm not really sure how much the Wells Fargo makes me, maybe a little less because I don't do travel stuff as much, but it could be maybe $100. And of course it has an introductory offer too. The USA card probably makes around 100 bucks. That's 5% back on gas. I guess I spend around 2,000 on gasoline a year. That's about what it makes me. This I don't really know because I use it as a business card now and that's been something I've started recently. So sometimes it can make me 100 bucks a month because I have, again, I have that business that's processing a bunch of transactions. But for an average person using it, hey, it's gonna make you some amount of money. Oh, and the other nice thing about this is that you can redeem any amount. A lot of times, let's say USAA, you can only redeem points or credit or cash back if you have at least like $20, $25 or something. PayPal, you can redeem like even one cent, it works. And I should also say pretty much with all of these cards, like once if you make 100 bucks on the Chase Freedom Flex as a cash back thing, you can redeem that in different places. You can have it deposited in a checking account, even a non-Chase checking account. I know at least in Discover, I know that you can put it on account credit, but probably the most effective way of using that cash back is actually getting gift cards for things you're gonna need. I think I mentioned I got a hotels.com gift card or whatever. And the reason I do this is because gift cards, they will often give you, they will like increase the value of your points by like 10 or 20% because of that. So you're getting $100 back, but if you put that in a gift card for something you know you're gonna use, that $100 is actually $120 or something like that. So yeah, so this is a great way of just making lots of money back. I do it all the time. Again, like I bought a car recently, which is, it was cost basically less than how much I make off credit cards. And I am not a big spender. To be clear, you should know, if you know me, I do not spend a lot of money. Like if I spend, I don't know, like I try to keep everything, including bills less than 500 a month, okay? Sometimes I can't do that, but you know, either way, check these cards out. Again, I more or less recommend Chase Freedom slash Chase Freedom Flex. That's really what it is, Flex. Don't get confused with the Chase Freedom Unlimited. That is not a rotating category card, although it does come with similar introductory offers. I recommend this as a sort of a first card. Look into the city custom cash, discover it, you know, all of these cards are good. Anyway, that's it, that's it. Get free money.