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May 26, 2025 - Fresh & Fit

01:35:39

Top 5 Cashback Credit Cards

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Time	Text
	And we are live.
	What's up, guys?
	Welcome to Freshman Podcast.
	Regular.
	This is Money Monday.
	We're going to be talking about cashback credit cards.
	Let's get into it!
	Let's go.
	What's up, guys?
	Welcome to the Fresh Air Podcast, man.
	It is Money Monday, a.k.a.
	we are going to be talking about cashback credit cards.
	I'm actually really excited for this episode because it's been a bit since we've done a cashback episode for you guys.
	We try to do one of these for you guys per year, give you guys the best cashback credit cards for the year 2025.
	And the cards are always shifting, guys.
	And, you know, obviously it updates you.
	Like, you know, offers change, credit cards change.
	Some cards get nerfed, some cards get boosted.
	Rewards change as well.
	Yeah, so it's always changing.
	We're going to try to do our best to obviously keep you guys up to date, but I think today's a very important episode because the last episode we did, we talked about getting your credit started, or if you have low to no credit, kind of getting your fee in the door.
	Once you've got your foot in the door, then you can start taking advantage of the actual benefits that come with credit cards, which one of the big ones is cashback.
	And I think, honestly speaking, I think cashback credit cards are the most important credit cards because cashback credit cards actually give you Money back versus getting rewards or flyer miles, whatever.
	Not everyone travels.
	Not everyone has certain perks that they like to get, but everyone can benefit from getting cash back.
	And I think, in general, if you're going to go ahead and run a credit card stack, I think you need to have a good cash back credit card in your repertoire.
	It's like a non-negotiable.
	If you're going to have one credit card, it's got to be at least a cash back credit card.
	What are your thoughts on this?
	Yeah, so cash back credit cards, man.
	Honestly speaking, this is one of the best parts because you're going to spend cash anyway.
	For gas, for food.
	So getting money back, you're spending money anyway, also because you're getting money back regardless.
	So I think getting the cash back credit cards, you're going to spend money anyway, and you get it back.
	Now, here's the thing though.
	You've got to pay off your credit card every month.
	Because you can spend the money on your credit card, max it out, and I'll pay it off.
	You may get points, but I know what's the point of having that credit card with all that debt.
	So, pay it off every month in full, and I use it again.
	But the good part is, you're spending the money anyway, We'll also get points for it and get it back with cash.
	Now you guys are probably wondering, Myron, what the fuck is a cashback credit card?
	So guys, a cashback credit card is a credit card basically that where every time you spend money, you get a percentage back, right?
	So what I always tell you guys is you want to have a credit card that gets you at least 2% cash back.
	So for every $100 you spend, you get $2 back.
	Now I know you guys are probably like, what the hell?
	$2 back?
	That's nothing.
	But over time...
	I'm telling y 'all, bro.
	It adds up, especially if you're using that cashback credit card to make big purchases on things for your business or you're making purchases that you otherwise would have made anyway.
	This is why I tell you guys, if you're paying for things with a debit card or cash, you're an idiot.
	You're an idiot.
	And that's brokey behavior.
	Brokeys, bro, you know what?
	The number one way I can tell someone's poor?
	I'm at the fucking grocery store or 7-Eleven or something like that and I see that dumbass nigga putting his pin.
	I know.
	He's an idiot.
	Stupid.
	Cash.
	Okay?
	Just swipe and leave.
	Alright?
	Or Apple Pay.
	But if you're over here like literally fucking putting in your pin number into the fucking thing, you're a retard.
	Because that means that I know that you're using your debit card or cash to purchase something.
	That should never be happening.
	You should be using a credit card for literally every single purchase you make, guys.
	Okay?
	Like, I literally fight to use my credit card in some cases.
	They'll be like, oh yeah, we only accept this.
	I'll be like, yo, can I PayPal?
	Yo, can I do this?
	Because I know that using a credit card, number one, you get the protection.
	Number two, you get the benefit.
	And number three, you don't have to worry about putting your debit card into these readers that a lot of times steals your information.
	And the banks are not going to be as nice about helping you get your money back when you get scammed.
	Guys, scamming is one of the fastest growing crimes in America nowadays.
	You want to really go ahead and put your debit card into something where, These scammers might have some data there or someone might have your information like, bro, it's not worth it, man.
	Just use a credit card because credit cards, even the shittiest ones, have consumer protection laws in place or consumer protection policies.
	So, like, I don't know why anyone uses a debit card or cash.
	Like, if you're buying things and cashed up and screaming about this since 2020, you're literally a retard and you deserve to be made fun of.
	I remember recently I had an issue, you know about this, where my debit card was taken advantage of, basically.
	And they got access to my account.
	Now, mind you, if I used my credit card back then, I would have been scot-free and they would have basically said, you know what?
	Take away the charges.
	You're good to go.
	But with my debit card, I had no choice but to use it because they didn't set credit cards.
	They took that information, took money from my account, which is insane, by the way.
	Luckily, I got everything back from Wells Fargo.
	Shout out to them.
	But if I used my credit card, it would have been fine.
	No issues.
	Good to go.
	But it took 30 days to get my money back.
	Fucking crazy, bro.
	30 days.
	Yeah.
	And the thing is, when it's with your bank account, you might need that money.
	So that makes it even worse.
	At least with a credit card, you could dispute it.
	It might take 30 days, 60 days.
	But here's the thing.
	They hold that money in advance, where you don't have to pay it.
	So let's say someone charged your card for $1,000 that you didn't charge.
	You call them up.
	Hey, it wasn't me, etc.
	They're going to probably open up a fraud claim, investigate it, whatever.
	But you're not on the hook for that $1,000 until it clears.
	Okay, until they conclude their investigation where they figure out it was fraud or you're committing fraud, which, guys, don't do that.
	You'll get in trouble.
	Get blacklisted.
	Don't be like one of these niggas that be doing chargebacks all the time.
	Doing some niggas shit, bro.
	Don't be an idiot.
	But, you know, if you're actually putting real fraud claims in there, right, as you should be, 99% of the time you're going to get your money back and you won't have to pay that balance.
	As you're waiting for them to conduct their investigation.
	And that's another good thing with using a credit card.
	You get that added layer of protection.
	So you get benefit.
	You get protection.
	And, I mean, it's just a no-brainer, guys.
	You're spending the money anyway.
	And you're spending the money anyway, and you get a benefit from it.
	You get no benefit from paying in cash, unless you're a fucking drug dealer and you're trying to be anonymous.
	And you get no benefit from paying with your debit card.
	At all.
	So, guys.
	Oh, and you also improve your credit.
	So, you get protection.
	You get benefits, and you're improving your credit while doing it.
	It's a no-brainer.
	For all you guys that are watching right now, if you don't have a credit card, I don't know what the fuck you're doing.
	Okay?
	You need to get a credit card.
	I know what you guys are probably saying.
	Well, Myron, hold on a sec, bro.
	What about, like, you know, Dave Ramsey tells me all the time that, like, you know, debt is bad and, you know, having a credit card is evil, blah, blah.
	Look, if you're watching Fresh and Fit, you're already a higher IQ individual and you have some critical thingy skills.
	Okay?
	if you're watching us.
	Right?
	So, what I want you guys to realize, okay, is that you just don't spend more than you make.
	It's very simple, guys.
	All debt and financial literacy comes down to don't spend more than you make.
	How do you do this?
	Well, number one, you don't buy stupid-ass luxury items.
	Number two, You don't eat out often at luxury restaurants, right?
	You keep your food price cheap, okay?
	You are not buying luxury clothes.
	Like, you're not doing all this dumb nigger shit.
	And Fresh can tell you guys why it's a waste of money.
	Yes.
	As someone that participated in that culture and that behavior.
	As a nigger connoisseur, I've been there a few times.
	Luxury items, restaurants, occasional luxury yachts.
	Now, let me tell you this, guys.
	Credit cards are great, but they're also bad, too, as well, as Dave has probably told you.
	Here's a good part.
	When you evolve watching our content, watching for years, our Money Money episodes, you just don't realize the pattern here.
	There's people that have credit cards that are massive amounts of debt.
	But then there are others that have credit cards that are buying real estate, getting deals done, getting best risk because they're responsible with the money.
	Now, as a nigga, you know, I've been there.
	I've done that.
	Trust me.
	It's fun, but bad fun.
	Because at one point, I had literally, I kid you not, guys.
	30k credit card debt.
	30k.
	Now, that's because I was spending money that I had, of course, but what happened was that I was doing too much.
	You know, living the lifestyle.
	And me being transparent here, I was being a nigga.
	So, I decided to be a white man.
	Hey, be smart about my money and hold it down and pay it off slowly but surely.
	And guys, within two months, it was paid off.
	But again, the nigga mindset is bad.
	Get rid of it.
	Stay white and stay right.
	Let's go.
	Yeah, so...
	Guys, I'm not kidding around.
	If you just simply don't spend more than you make and use credit cards for everything that you buy, you're going to be in a really good position because what you're doing is you're buying things you're going to buy anyway.
	You're getting benefits.
	You're getting free money and benefits.
	You're getting the benefits of improving your credit score.
	While simultaneously getting free benefits, whether it's points, cash, whatever it is, depending on, in this case, it's going to be cash because we're going to tell you guys about cashback credit cards.
	And you're getting that extra consumer protection, man.
	So, again, I'm spending the beginning part of this because I know a lot of you guys have credit card fear because a lot of financial gurus will tell you guys, oh, stay away from credit cards.
	They're bad for you, man.
	They're going to make you poor.
	Debt is bad, blah, blah, blah.
	Which, you're right.
	They are right in the regards where consumer debt is bad.
	However, you need to improve your credit score to a degree.
	Why?
	Because when you improve your credit score, then you're going to be in a better position to do what?
	Get the good debt.
	What is that good debt?
	That's real estate, motherfuckers.
	So unless you want to be paying 10% on interest rates or not get approved for a loan when you apply to buy a home or your first investment property, you're going to have to bring your credit score to an acceptable level.
	That's going to need to be about a 760, if not better, okay?
	So that you can get the best rates.
	Otherwise, you're going to get absolutely fucking jerked around when they hit you with a higher interest rate because your credit score sucks, guys.
	So it's not just about building credit so you can get some points or fly around and, you know, meet bitches.
	No, it's about getting a good building up a credit, getting a good credit score.
	Then you're working your way up so that you can go ahead and procure your first.
	So you can go ahead and start to build actual wealth.
	And this is what they don't want you guys to know because if you understand debt properly and you understand how to manage your money properly, what's going to happen is you are going to go ahead and be able to create what I call the well of wealth, right?
	So what I mean by this well of wealth is your goal is to do this.
	Your goal is to work, make money, earn income, right?
	From that earned income, you're going to take a portion of it As much of it as you can, by the way, that you can afford to, and you're going to invest it into an asset class that pays you back, okay?
	Now, you do this for one year, two years, three years, four years, five years, you might get your first property.
	Once you get that first property, that property is going to be paying you to own it, okay?
	Because you're going to be leveraging it where you're using a bank to get a portion of it paid off.
	You put in a small portion, then you got a tenant in there paying for it, right?
	When a tenant pays for it, You build up and save that money as well, just like you did before.
	Now you got added income, you got earned income, and you're going to go ahead and you do that again.
	Then you're going to do it again, and you're going to do it again, and you're going to do it again.
	And what's going to happen is, you're going to be having money coming in consistently from the real estate properties.
	Okay?
	That is how you build wealth.
	Not just from your net worth, but you're also getting passive income coming in, right?
	Then you can go ahead and buy the nigga shit with the passive income.
	But if you're really smart, you'll go ahead and take that passive income and add it to your earned income.
	And then you can buy more assets.
	They give you even more passive income.
	And this is how the fucking regular people become rich, guys.
	This is the secret.
	But for you to be able to do this, you need to be able to manage debt properly, okay?
	That means eliminating consumer debt to the best of your ability while simultaneously getting good debt, aka real estate debt, that your fucking tenant is paying off for you, okay?
	That is the secret that no one wants to fucking tell you guys because, you know, they're like, oh, well, you know, I could buy my course and I'll teach you.
	No, man, we're just telling you guys this shit for free.
	But it starts with you having credit card diligence, guys.
	Okay?
	That's how it starts.
	Once you figure out how to master the credit card, get your credit score up, get your credit score up.
	Then you can start getting into the real estate game.
	Once you get into the real estate game, now we're fucking talking.
	Now we're talking about you building wealth.
	Now we're talking about you being able to get residual income.
	Now that's you being able to tell your employer or tell other people, like in my case, telling them boys, fuck you, okay?
	Shalom that, motherfucker.
	I can say what I want to say because I don't have to worry about anything because I got my real estate that's taking care of me, right?
	So I want you guys to be in that position.
	Maybe not necessarily saying fuck the temple, but you guys get what I'm saying here.
	I want you guys to be able to have the freedom to do what you want to do, whether it's you flipping off your boss, you flipping off your coworkers, whatever it is, having a hold on financial clarity and understanding how debt works and leveraging it to your fucking benefit, a.k.a.
	flipping the usury back on them, then you could go ahead and get the W. So let's talk about this, these cashback credit cards, right?
	Do you have anything you want to add before I...
	No.
	You not?
	You sure you not?
	Listen, man.
	It's a comedy skit.
	You said a lot, bro.
	You said a lot.
	It's a comedy skit, by the way.
	Thank God for YouTube.
	We're comedians.
	Go ahead, hit the button, then.
	Yeah.
	No, not that button.
	Oh, yeah, yeah, yeah.
	Don't y 'all have my stuff for this?
	No, not that one.
	She belongs to the streets.
	The fuck, Mo?
	These names are failing behind the scenes, man.
	The sticker burned out.
	Okay.
	What's the first card, man?
	Did you guys have a comedy skip button?
	Yeah, it's on the app hours setup.
	Oh, it's not on the regular one?
	Yeah, we didn't think that she was going to...
	Before we show them the first card here, the reason why I want you guys to all have at least a cashback credit card is because, like I said before, with a cashback credit card, you're going to at least get money back, and you can use that.
	And again, for every $100, you get maybe 2%, whatever.
	You guys say, oh, that's nothing.
	Guys, it adds up over time.
	We're talking about over a year or a couple of years.
	You can get like a thousand bucks, if not more.
	And that's free money on money you want to spend anyway.
	Okay?
	So I think it's a big W. And I think if you're going to have a credit card, right, and you want to benefit, at least make it a cashback credit card.
	Some of y 'all don't travel.
	Some of y 'all don't care about, you know, getting points for your Marriott.
	Some of you guys don't care about getting flyer miles.
	Some of you guys don't care about getting credits to...
	Fine.
	No problem.
	At least get a cashback credit card.
	Okay?
	Every single one of you in here should have, at bare minimum, a cashback credit card.
	Now, what are the parameters for a good cashback credit card?
	2%, if not more.
	Okay?
	I don't want to hear none of you motherfuckers in here talking about, oh yeah, I got this cashback credit card, and it's 1%.
	What the fuck are you doing?
	Are you stupid?
	It's 2025.
	We don't accept anything below 2%.
	Alright?
	2% bare minimum flat on everything.
	Alright?
	2%.
	The only way it's acceptable to get a 1.5 or a 1% cashback is if like it's giving you some crazy number on some other category that you spend on all the time.
	And you better spend on it all the time.
	I'm talking you're a fucking truck driver and you're buying gas all the time or some shit like that.
	You got a one credit card that gives you 1% cashback on all purchase but it's giving you like 5% on gas.
	Fine.
	In that case, I can accept that.
	But in general, all of you should have a general 2% cash back card that you're swiping on fucking everything as your foundation.
	Okay?
	That is a starter pack.
	2% cash back.
	You understand?
	I gotta yell at you niggas so you understand what the fuck I'm talking about.
	2% bare fucking minimum.
	I don't even want you guys getting a specialty card that gives you 5% at the fucking snack store because you're a fat piece of shit.
	You need to get 2% First.
	Okay?
	Once you got the 2%, then we can work on the other cards, which don't worry.
	I'm going to show you guys a couple grocery cards and shit like that for y 'all niggas as well.
	They don't want to go ahead and shop at Sam's Club or Walmart, any of that other shit.
	But we need to establish the 2% first.
	Okay?
	So here's some good ones here that have no annual fee that I found for you niggas.
	Let's pull up the first one.
	Wells Fargo, active cash.
	And just so you guys know, these motherfuckers are not paying us to say this shit.
	This is all us just giving you guys free information.
	Want you guys to win.
	We're not sponsored by none of these bitch-ass niggas.
	We're just giving you guys the sauce because we want you guys to win.
	Alright?
	So, you banked with Wells Fargo.
	Don't they suck?
	Yeah, well, I still bank there, man.
	So, they're good to me.
	They're great to me.
	Y 'all niggas are trash.
	One time you weren't good to me, though.
	But it's fine.
	They have my money right now.
	So, I'm going to say they're good.
	But, listen, guys.
	Here's a cheat code you can use as well.
	Whenever you want a car from a specific bank, Now, if you're a brokey and you have negative balances in your account, then you can forget it because they probably know you're a bad customer.
	But if you're a good customer, they should treat you good, at least with that.
	Granted, though, most of you that use Chase Wells Fargo TD Bank, if you go through them for your actual credit cards, it should be a little bit easier.
	Wells Fargo actually has...
	Now, though, keeping this in mind, when it was Fargo, if you can use the cashback card, this is something that I used to do as well.
	I set up a budget.
	So every month, I would have, like, legit, okay, I can spend on this card maybe $2,000 to $3,000 max because I have the cash to pay it off.
	If you go over that limit, you're cooked.
	So have a record of what you can spend on each card so you don't overdo it.
	And if you're not sure, log into your account.
	You can see it right in your face.
	Log into your Wells Fargo app.
	Watch how much money you spent for that month or for that quarter of that month.
	But again, have a record so you can see because the problem is with these credit cards, I get it.
	They're amazing, but a tool used wrong can be terrible.
	So that's what I would say for the Wells Fargo cashback card.
	Yeah.
	So, real quick, let's pull it up.
	Let's give them some of the perks.
	Because these cars change all the time.
	So, earn $200 cash rewards bonus when you spend $500 a purchase in the first three months.
	Guys, that's fucking nothing.
	Literally what?
	You're buying a fucking TV or some shit in three months?
	That's easy.
	You could pay for maybe some of your rent with that or something.
	Yeah.
	Oh!
	Speaking of which, oh, thank you for saying that.
	There's a website you can use.
	There's a credit card.
	We're going to put you niggas on.
	There's a credit card specifically for paying your rent.
	It's the only one really.
	Built.
	Let's put that on the list too for us, Bill.
	Both four guys are running a program with that.
	Built.
	B-I-L-T.
	Yeah, B-I-L-T.
	We're going to put you guys on.
	It's like the only credit card you can really pay a rent with.
	And you get points for it as well.
	B-I-L-T is what it is.
	But we'll cover that one last.
	So anyway, yeah.
	$500 in the first three months, that's nothing, guys.
	So you get $200 for free for spending $5.
	That's crazy.
	Then you get 2% unlimited cash back rewards on purchases, and there's a zero annual fee, which is fucking huge, because zero annual fee, guys, so it doesn't hurt you whatsoever to hold a credit card.
	You get 200 bucks just for signing up.
	Okay.
	And, um, and as usual, if you're a Wells Fargo, Yeah, good find, man.
	Yeah, that's like a cheat code that people don't really realize.
	If you bank with that bank, you have a good card, you're a good customer, you're pretty much guaranteed on some level to have that access.
	But if you're a trouble customer, you've got overdrawn accounts, you don't pay your actual bills, then you're fucked.
	Yeah.
	In other words, if I applied for this card...
	I mean, it's an easier card to get, but let's say my credit score wasn't where it's at.
	I would have a harder time getting this card than Fresh, for example, because Fresh is a Wells Fargo customer, so they're going to give him a bit more leeway to get access to the card.
	So banking with the institution does help you a little bit when it comes to getting their credit cards.
	A little bit.
	Not a lot, but it does help you a little bit, right?
	Because you have access to their customer service, etc.
	It's all one...
	Yeah.
	Yeah, yeah.
	Which, you know what, if you got bad, if you're overdrafted on time, nigga, then don't apply.
	That'll be terrible for you.
	Yeah, yeah, that actually will fuck you up.
	Holy.
	So, yeah.
	Okay, who's up next?
	City.
	Oh, actually, let's go back to the cashback one real quick.
	Yeah, let's make sure we have...
	For 12 months.
	Oh, for 12 months.
	Oh, that's even good too!
	So you don't even gotta pay interest!
	Damn!
	For 12 months.
	Okay, so 0% intro APR for 12 months.
	From account opening on purchase and qualifying balance transfers after that, your variable APR will be...
	They're gonna kill you on that one, bro.
	Let's clarify.
	This is for personal, right?
	Personal, not business.
	No, no, no.
	Guys, these are all personal credit cards.
	All of these are personal credit cards.
	We will do an episode on business credit cards next.
	Yeah, we got to do travel, then we'll do business.
	But this is, guys, these are all personal.
	Cash back credit cards for business?
	We're going to have to do a whole other episode for that, for you guys.
	But this is personal.
	But yeah, going back to this card real fast.
	So, obviously, zero liability protection.
	We all know that happens.
	Set out telephone protection, fine.
	Auto rental collision damage waiver.
	Pay for rental cards using an eligible card and remain reimbursed for coverage damage for theft.
	Okay, that's cool.
	That's good.
	Travel and emergency assistance services.
	A lot of them have that.
	Credit close-up.
	Okay, boom.
	You can track your FICO score on here and raise it and maintain it.
	So that's good.
	So a lot of times when you get these credit cards, guys, they'll give you access to an app so that you can pay your bills.
	A lot of times these apps come with a built-in either Experian, Equifax, or FICO score that you can go ahead and look at on your phone.
	So for example, I'll show you guys right now.
	I open up my Capital One, right?
	I use Capital One.
	I got Capital One.
	I have Amex, right?
	So if I open up my Capital One, right?
	I sign in.
	And then what ends up happening is I go ahead and I click credit-wise, right?
	Which I think reports off of Experian or some shit like that.
	Right?
	And then, bam!
	It shows me my credit score.
	You guys can see that?
	I gotta put it maybe over my face.
	I can see it.
	You guys can see that?
	So I'm sitting at like a 772, I think, right now?
	Yeah, I see something.
	For free, by the way.
	Just for me having an account and paying my thing.
	And there are updates every single week, Chad.
	Okay?
	Now, American Express also has something similar to this with their thing.
	You sign in, right?
	And then once you sign in, you do a little password and face ID, whatever the fuck you want to do.
	I have face ID on all my shit.
	And then I just go ahead and you go membership.
	Or no, offers.
	Is it offers?
	Sorry, guys.
	I always forget here.
	I think it's on the profile.
	Okay.
	You scroll all the way to the bottom, right?
	And it says, all the way to the bottom, it says FICO score and insights, right?
	Right there on the bottom for your MX shit.
	You click that?
	And then, nigga's asking me to log in again.
	Bro, I hate this shit, man.
	When they make me do this shit, man.
	I just hit my Chase account.
	This is my score on Chase.
	Yep.
	Experian.
	So look, even with Chase, they give you one as well.
	Chase gives you what?
	Experian?
	Yeah.
	Okay.
	So, 745.
	Yeah, there you go.
	So, that's with Chase.
	We're showing you guys literally.
	See, like, all these credit card companies, when you use their apps, they want you to use their apps, and they give you, like, a free credit score tracker.
	So, you don't need, like, credit card or any of this bullshit no more.
	Also, here's my FICO score on Wells Fargo.
	You got it?
	Okay, boom.
	806.
	806 on there.
	No, because I have a host on my other one.
	That's why it's so low, bro.
	It should be, like, 780 plus, but I have a host on that shit.
	Don't ask me why.
	806 on FICO, though.
	Yeah, Fico's where is that, bro?
	Yeah, Fico, you'll have a little bit of a higher score than the other ones.
	Check it.
	Exceptional.
	Everything.
	You can't see?
	Fuck!
	Whatever, but yeah.
	There you go.
	Hold on one sec, guys.
	But yeah, guys, the good part about this is that once you understand proper budgeting for your card, it's the best tool you can use towards leveraging and creating wealth for yourself with certain items, obviously assets, not liabilities.
	And the good part is once you do this, And also, let's say you want to go on a trip with a chick.
	Guess what?
	She's like, oh my god, papi, thank you for taking me on a trip.
	Thank you so much.
	Guess how you pay for it?
	With points.
	But she don't know that.
	There you go, man.
	Love your points.
	It's asking me for all this verification shit.
	The point.
	You guys get the point.
	So, on MX Portal, you can get access.
	On a Chase Portal, you get access.
	Capital One, you get access.
	Amex gives you a FICO score.
	Chase gives you a FICO score.
	Capital One gives you, I think, Equifax or Experian.
	So the point is that on all these credit card companies on the app, they give you access to your credit score, which is in itself huge.
	A lot of you guys have never had a credit card before, and you guys don't even know that your credit score fucking sucks.
	Yeah.
	So you might get your first credit card and be like, oh yeah, but that shit is lit.
	And then you look, it's like a 600.
	Like, oh shit.
	You know when people find out?
	When I go to buy a car, I get a house.
	Yeah.
	Oh, sorry sir.
	And that's the worst time.
	Lowest rate.
	Possible.
	Because here's the thing.
	You're already committed.
	You want to buy it.
	And then you get this high-ass interest rate.
	You're like, why?
	And you realize your credit score sucks.
	And you still take the fucking deal.
	Most people, like you said, they don't know until they go buy a house or a car.
	Oh yeah, we ran your credit 600.
	But we could do this deal for you.
	And then they give you a high-ass interest rate.
	It's scary.
	And then you end up buying it because you're there.
	You're committed.
	You want to buy the car?
	You want to buy the house?
	Okay, fine.
	Fuck it.
	I'll sign.
	And you get like a fucking crazy interest rate.
	And then you're stuck with it.
	Right?
	You're stuck with it.
	So, guys.
	Having a credit card in the beginning can literally save you thousands of dollars.
	Why?
	Because you have access to your credit score.
	You know what it is.
	So when you go and you apply for a home loan or for a car loan or any type of loan, they can't fucking jig you.
	You know what I mean?
	I know my scores, nigga.
	It was good.
	And that's true.
	That's a good point you made.
	A lot of people, the first time they see their credit score, Is when they go to actually make the purchase.
	Yeah, and it's too late.
	That's what you don't want.
	Because then, now that motherfucker got you.
	Oh, yeah.
	He literally got you.
	By the balls.
	He got you by the balls.
	Because he's like, oh, sorry, your credit score, look, you don't qualify, but I made some calls.
	We can get it for you at this interest rate.
	But he's fucking doing this shit the whole time, knowing that he's going to fucking destroy you on the interest rate.
	Yeah.
	Right?
	So guys, you need to know your credit score and getting a credit card Even if it's a beginner and then you graduate to getting a cashback credit card, now you have access to looking at your credit score and you know what it is and you can improve it so that when you go ahead and make that big purchase, your home, your car, you try to get a personal loan, any of that shit, you know what your credit score is.
	So it's not just about getting a cashback card so you can go ahead and fucking, you know, be able to take a free trip every year.
	No, man.
	It's about being able to access and control your financial future.
	Okay?
	Let's go back to the thing real quick.
	You know what's scary, though?
	People are now actually going on trips while in debt to kind of alleviate the pain, but it never goes away.
	So, for example, the new meta is now, oh, you got a lot of debt.
	Use the last remaining credit you have to go on trips to feel better about yourself and then come back to the mess.
	It's a trend on TikTok.
	It's crazy, bro.
	What the fuck?
	TikTok is insane, bro.
	It's all about everything.
	Oh, we can react.
	Did you have some of that stuff you want to react to?
	Evictions.
	Okay, we can react to that.
	It's scary, man.
	Let me guess who's the most evicted class.
	Okay, it's women.
	I'm a PhD.
	Every time!
	Yo!
	Yo!
	Niggas call me right?
	Man, I don't want to say that shit on air, but...
	Hey, y 'all!
	Screen your tennis, man.
	I'm just saying, man.
	It's out there, bro.
	It's not me.
	Alright, we'll go back to that card real quick.
	Yeah, yeah, cool.
	So yeah, guys, having access to your credit score is huge.
	Okay, it's very important.
	Scroll up to the top real quick for me.
	Yeah, so 0% intro APR.
	That's actually really fucking good.
	It's fire, bro.
	And no annual fee?
	That's wild.
	I kind of want one.
	You're welcome, niggas.
	Found this card for y 'all, niggas, man.
	Alright, what's the next card?
	Good call, bro, because I didn't even see this one.
	Yeah, it's a really good cashback card.
	Bro, we've talked about this card for fucking years, bro.
	This is honestly...
	I can't even talk shit.
	I'm actually mad at myself that I don't have this card because I already have so many cashback credit cards.
	Bro, this is a fantastic card, honestly.
	I just don't want any more cards.
	That's the only reason why I didn't get this one.
	I might get this shit.
	I don't fucking know, bro.
	Honestly, at this point.
	Guys, this is probably one of the most popular, most famous 2% cashback cards.
	Of all time.
	Because it's just straight two cashback cards.
	2% cash back on all purchases.
	Basically 1% when you buy and then 1% as you pay with no category enrollment caps and annual fee.
	Plus earn $200 cash back after spending $1,500 on purchases in the first six months of the account opening.
	Easy to do.
	You're spending the money anyway.
	Easy to do.
	You can buy a fucking laptop on it.
	Boom.
	You hit your number and you basically got the laptop.
	Let's say you really bought the laptop for $1,300.
	Yeah.
	You know what I'm saying?
	You put gas, you buy some food, groceries, by the time you finish, you're done.
	This is a fantastic 2% card right here.
	And we've been talking about this one since like 2020.
	And the best part is, you don't learn about this in school, but you learn it here.
	Yeah.
	For free.
	Yeah.
	And a couple of you niggas already got this card.
	We got y 'all niggas, man!
	We put you guys on!
	And just so you guys know, City's not cutting us a check.
	All these other bitch-ass niggas on YouTube that are like, you know, credit card gurus or whatever, niggas pay them to tell you guys about those cards.
	That is true.
	We are not getting paid.
	We are just telling you guys the truth.
	About the best cards right now, you know, in May as of 2025.
	And we just want you guys to make money, be able to get some reward while doing it, increase your credit score, get some buyer protection, and most importantly, be able to track your credit so you guys can make real purchases in the fucking future because the worst thing ever, guys.
	I don't think people understand how important this is.
	A lot of you motherfuckers don't know your credit score until you go make that purchase.
	Alright, so I'll tell you guys a quick story.
	That's scary.
	How I learned about this, right?
	There you go, Mo.
	So, back when I was a kid, my dad left me.
	Never came back.
	And that feeling was so real, right?
	I went to a Lexus store my first couple months here in America.
	And there at Lexus store, I met a guy.
	Never forget his name.
	Chavez.
	Miguel.
	That bastard.
	Bless you.
	Anyhow.
	So, I go over there.
	I'm like, okay.
	I want to get a Lexus.
	I got a Toyota.
	It's going okay, but like, any Lexus, right?
	It's newer, cleaner, less miles.
	So I go to the store.
	I'm looking around.
	They're like, oh, hey, can I help you?
	Yeah, brother, I'm looking for a Lexus.
	Maybe like this one here, a 2012 used.
	He's like, okay, I'll help you with this.
	He's like, let me run the numbers real quick on your score.
	I give him my social.
	He goes to his desk.
	He says to me in like five minutes, comes back and says, sorry, we can't help you.
	I was like, what?
	I'm paying my car payment.
	I'm making payments like, what's going on?
	I should have a good score by now.
	I didn't know my score.
	But he knew my score.
	And it was below 600.
	So I was not getting anything there.
	You're going to be at their mercy.
	It would have killed me.
	And then at that point, I was like, alright, well, what do I do?
	I have to walk away in shame.
	And then it's funny.
	Two years later, I come back.
	He's still working there.
	I'm like, listen, bitch.
	You see what's outside?
	Range over.
	There you go.
	But no, no.
	But I didn't understand how it worked over here with the system itself fully until I read that book, Your Credit Score by Les Weston.
	Was it Les Weston?
	Yeah.
	And that book tells you, you need to look before you go to any place with your score ready in hand so you can tell them, listen, here's my score.
	I know what I'm worth.
	And you get the best rates at the higher tiers.
	When it's lower, lower rates.
	So, sorry, you know, you get lower rates at higher tiers, higher rates at lower...
	So the best part about it is if you know what you have in your hand and the power you have, you can walk in there confident and get the best deal possible.
	Yeah, and they can't jerk you around, man.
	That's so important that they can't jerk you around, guys, because they always will try to jerk you around.
	And the worst thing you want, I'm telling you guys, they're banking on you not knowing your credit score, and you show up at the dealership or trying to close on a house or whatever, and your credit score sucks.
	And then they're like, oh, well, we can give you a loan, but it's going to be with this interest rate.
	Because they'll hype you up and sell you the car.
	You know what?
	This car is good for you, bro.
	I can see you driving this shit daily.
	They didn't want to sell it to you, but I made a deal in the back.
	And then that's how they jerk you with the fucking 20% plus interest rate.
	Guys, you need to know your credit scores, man.
	In 2025 and beyond, you just need to know.
	Alright?
	Like, this is unacceptable.
	And getting a credit card is step one to that.
	And you can monitor it for free!
	These apps are free!
	Because they want you to pay and use their credit cards, and the credit card game is competitive.
	That's good for you.
	Because now, you get their credit card, you use their credit card, you pay it off, they get business from you, and then they give you access to a nice app that also tracks your credit score.
	For free.
	for free.
	And not only that, it'll show you all your...
	Now you can look and see why it sucks.
	You'll see that your shit is in the collections.
	I didn't know that because you had an ambulance fucking visit 10 years ago that you didn't know about.
	Right?
	That's a big one.
	I can't tell you how many times guys have, like, had some shit in collections they didn't even know about.
	Or they went to Macy's, got a credit card when they were a teenager, never paid that shit.
	Yep.
	Why is it so low?
	Yeah.
	Well, you didn't pay that card for 20 years, nigga.
	Yeah, yeah.
	You got the fucking true religion genes in 2008.
	Yeah.
	That shit was sweet.
	Bro, I used to know a guy.
	I thought this before on a different show.
	I used to know a guy.
	He was a barber back in Bermit Pines.
	And he would buy every...
	Get a credit card and buy clothes.
	You know, for the new party, the new event happening.
	I'm like, damn, nigga.
	He's like, yeah, bro, I'm in hell with that.
	I'm like, why do you keep doing it?
	Oh, I need to look fresh.
	Nigga, I'm fresh and I'm still right now.
	Stupid.
	That's terrible, but it's because the trends are always changing and he wants to be in the new.
	But again, that's bad etiquette towards credit because it's being used wrongly.
	Yeah.
	No, absolutely, man.
	So, guys, you have to be very careful with that shit and know what's going on.
	Okay, what's up next?
	Oh yeah, we're on this.
	Oh no, we can keep this.
	Okay, let's see what else they got here.
	Because this card is always updating because it's so popular.
	I'm surprised they haven't nerfed this card yet, bro.
	Earn 5% total cash back on select city travel bookings.
	Cash back is earned in the form of thank you points.
	Okay, I've never heard of that one.
	That's new.
	Redeem as direct deposit.
	Okay, so you can go ahead and get that money back as a direct deposit.
	You can redeem as a statement credit.
	Redeem as a check by mail.
	Low intro APR.
	Enjoy no annual fee and zero intro APR for 18 months on balance transfers only after that, the variable APR.
	So, okay, so you don't get a 0% intro APR.
	It's only on balance transfers.
	Let's see here.
	Anything else?
	I used to wonder why people used to get redeemed by check.
	I'm like, why would you get redeemed by check?
	But then I realized if your account was overdraft, you don't want to go into your account.
	Oh, yeah.
	That's crazy, bro.
	Yeah, yeah, yeah.
	Actually, yeah.
	Crazy.
	Okay, so low intro APR on transfers only.
	So, yeah, I remember this used to have a period of zero intro APR for the first year, but they probably nerfed it because this card is so popular.
	Yes, for good reason.
	Yeah, yeah.
	It's too overpowered.
	Let's see here.
	Scroll down real quick.
	2OP.
	Start earning cash back right now.
	Anything else?
	Okay.
	So, honestly, bro, the Wells Fargo is better than this one right now.
	It is.
	The Wells Fargo is better right now.
	Yeah, it is on top.
	Yeah, so it actually beat out the CityCat.
	I never thought I'd see the day.
	Alright, what's up next?
	What's next one?
	Okay, for all my Canadian niggas, this is the first time you guys did something right.
	TD.
	TD Double Up credit card, alright?
	Earn unlimited 2% cash back on all eligible purchases, no rotating spend categories, no caps, no limits.
	Plus get two special introductory offers.
	So basically you get a bonus cashback, get 200% cashback in the form of a statement credit when you spend $1,500 within the first 90 days after account spending.
	And then balance transfer, 0% introductory APR balance transfer for the first 15 billing cycles after account opening.
	After that, blah, blah, blah.
	So is it for balance transfers only?
	Yeah, it looks like this one's only for balance transfers.
	Okay.
	And then you get 2% cash back, no annual fee as well on this one.
	No rotating spending categories either.
	Which is good.
	Now rotating spend categories, guys, this could be good if you spend your money on a wide range of things.
	Like restaurants, gas, groceries.
	Yeah, which don't worry, we got you on it because we got specific cash back cards as well on this list.
	Let's see here, what else?
	And then the regular.
	And then the regular bullshit.
	Scroll up real quick, Bills, for me.
	Visa benefits, yep.
	Like, self-arm protection.
	Okay, that's good.
	I didn't know that.
	No rotating spending categories, no annual fee.
	So, basically, another, you know, very basic 2% cash-back card.
	Also, another reason why this is good, for all you guys that got a TD Bank account, this might be a card that you want to get.
	And then also, it's a Visa card.
	Guys, Visa and MasterCard are the two master races, to be honest with y 'all.
	Like as much as I like Amex, I understand the fact that like Amex is not accepted a lot of places or.
	They give you a fucking extra service charge for using Amex.
	A lot of places are like that because the transaction fees for Amex are really high.
	So what the merchant will do sometimes to offset the cost is they'll charge you more or say you gotta have a minimum spend for it.
	Which is bullshit.
	But that's one of the problems you have to deal with when you have Amex.
	And in some places, just don't take Amex or Discover.
	I was in Paris.
	They didn't take a lot of Amex.
	I used my Visa.
	You had to use your Visa, right?
	Yeah.
	Especially internationally.
	Internationally, bro, you better have a MasterCard or a Visa.
	I tell everyone to have at least one good Visa.
	Have at least one good MasterCard.
	Have at least one Amex.
	And if you want, you can have a Discover.
	I'll be honest with you.
	I think Discover's trash.
	but I don't have any Discover cards.
	Discover has the best beginner credit cards by far.
	Discover has the best beginner credit cards.
	Discover it, the secured and the unsecured.
	So it's a really good way to get your foot in the door.
	But the problem with Discover is that it's not widely accepted like MasterCard and Visa.
	But they got really good beginner cards.
	So get Visa.
	It's better.
	It was my gateway.
	Yeah, it was...
	Oh, yeah, Mo, tell them real quick about...
	The Discover card.
	How did you build your credit up with that?
	Can you kind of take them through that?
	Well, one, I had to really seriously budget, and I made sure everything that I was paying for, I used my Discover It, and I utilized the cashback feature.
	And every couple of months, they have, like, certain things.
	Maybe, like, a set of three months, it'll be, like, grocery stores.
	Another set of three months, it'll be, like, restaurants.
	Yes, I know, Big Mo restaurants.
	Ha, ha, ha.
	Yeah, I know.
	And another time, it was going to be back to grocery stores, or another time, it was going to be gas stations.
	I always make sure I pay good attention.
	To the Discover It rewards of when they give extra cash back.
	Everything's clean.
	I said gas stations, though.
	Alright, I said everything's clean.
	Good stuff, man.
	and stuff.
	But yes, it is trash on the long run, Yes.
	And it was the only one that actually took me in with my low credit score.
	What was your credit score at the time?
	It was like five, And then with the Discover It, so you had it for, how long did you have it before you transitioned it from unsecured to secured?
	I know I had it.
	It was still within the same year of 2021.
	It was maybe six months.
	Okay, six months to transition from unsecured to secured.
	Yes.
	Sorry, from secured to unsecured.
	Yes.
	And then what did your credit score shoot up to after that six months?
	It was shooting up to...
	upper 600 like I shot up Yeah.
	Because my eating habits did change for obvious reasons.
	Okay, so you saved money.
	Yes.
	And that helped you with bringing down your debt.
	Yes.
	Okay.
	And I made sure that everything that I was buying, I paid it right away.
	Okay.
	And I made sure it was paid off right away, as soon as possible, and bringing the usage as low as possible.
	Yeah.
	That's a card that we've been telling you guys to use for years, the Discover It card.
	As much as Discover sucks, they got really good beginner cards.
	So there you go.
	There's Mo's success story where he took the Discover It secured, which is basically you got to put money on it.
	Then after that, you transition it to an unsecured, which it basically becomes a credit card.
	And you can use that to artificially kind of bring up your credit score.
	And then from there, you're able to get other credit cards?
	Yes, I got my, well, I don't know if I might spoil That's my favorite.
	I put you on to that one.
	Yes, you did.
	That's a good travel credit card, guys.
	When we do travel credit cards, that will be on there.
	I was actually sitting, watching, well, working, when you was talking about the venture.
	So that's what I got.
	It's a very good travel credit card, man.
	And my other favorite is the Prime.
	The Amazon Prime.
	The Amazon Prime?
	Oh, yeah.
	We're going to talk about the Prime on this one.
	That's why I was like, I was worried that I was going to spoil.
	No, no, you're good.
	You're good.
	So, alright, there you go.
	So, guys, for anyone that's a beginner, discover it.
	And then the pedal one is also a really good one for beginners.
	Can we get those tabs for those two just for the end of the show and we'll show it to them?
	Just so they have a visual.
	And then what else do we have here?
	What's the next one?
	Yeah, what's the next card?
	The pedal and the...
	Discover it.
	Yeah, we'll have those ready.
	Okay, so.
	So, we got the Blue Cash Everyday card.
	This is a good Amex card.
	So, you get $200 back when you spend $2,000 purchases on your new card within the first six months of card membership.
	You will receive a $200 back in the form of a statement credit.
	So, as you guys can see here, they pay you back in different ways.
	Sometimes it's a statement credit, sometimes it's cash, sometimes it's direct deposit, depends on the card.
	0% intro APR for, let's go real quick, up, up, on purchases and balances.
	15 months.
	For 15 months from the date of account opening.
	So, this one is for balance transfers only.
	And then this one shows you get 3% cash back on groceries, 3% on US online retail purchases, and 3% on gas.
	And then 1% on other purchases.
	So remember how I told you guys, you don't want a fucking credit card that gives you 1% ever?
	So with a card like this, if it gives you Because now you're getting 3% cash back, so maybe a 2% flat rate won't be as good as this card, right?
	Especially if you spend a bulk of your money on gas and retail purchases and groceries, which for most Americans, this is where the majority of their money goes anyway, right?
	Outside of rent.
	Which, don't worry, we got a rent card for you guys as well.
	There's a cap, but it's still...
	Yeah, $6,000 per year, right?
	Yeah.
	That's only a negative on this one.
	But they know you could easily run it up on this shit.
	Of course.
	That's why they're like $6,000 per year.
	I'll pay for a gas nigga here.
	Here we go.
	So yeah, you could definitely run this shit up.
	So scroll down.
	Yeah, bundle credit, cashback at Amazon.com.
	Check out.
	Don't worry, guys.
	We got the Amazon card for y 'all on this.
	If you're going to do Amazon, there's a specific card for Amazon.
	Send in split.
	Oh, yeah, yeah, with Venmo and shit like that, okay.
	So yeah, so this is a good- That's a lot of perks.
	Yeah, this is a good cashback perk card.
	Also, the other good thing, too, is Amex has really good customer service, guys.
	Amazingly good.
	Yeah, the only thing that sucks is you're probably gonna get on the line with Ajit.
	But other than that, you know, they're pretty good.
	I will say, though, for people that do want to flex, having an Amex card is a flex.
	Yeah, I don't know about this one, though.
	I don't think this one's a medal.
	No, it's not.
	But no annual fee as well.
	So that's good.
	So this is a good card, guys.
	Now we're starting to get into the cards that give you benefits in certain areas.
	Yeah, I would argue that Amex has a lot of perks versus other cards that don't have that many perks for you with the points as well.
	Yeah.
	Good to have.
	All right, what's up next?
	Yeah, but having that platinum or gold card is nice.
	Yeah.
	Nice.
	Oh, and then let's also get on the list of bills.
	I forgot to put it.
	The Amazon Prime credit card.
	So, U.S. Bank is the next one.
	This one is a cashback card from U.S. Bank.
	Yeah.
	So, this one is really fucking good.
	Your favorite stores, plus $250 bonus.
	60% cashback on what?
	Yeah.
	So on your first $1,500 in combined eligible purchases each quarter with two retailers you choose.
	Pretty good.
	So let's say you go to Walmart or Target all the time, you can pick it.
	That's pretty good.
	So we gave you guys the three best flat 2% cash back cards.
	Now we're starting to get into the category cards.
	And the American Express one, a bit more broad.
	This one you can actually really zero in on certain stores that you want.
	It's more technical, but once you understand the actual nuances, it's a really big W for you.
	Yeah.
	So with this card, 6% cash back is crazy at your favorite stores plus a $250 bonus.
	So you spend $2,000 within the first 120 days and you can get that $250 cash back.
	And then you get $1.5 on all other eligible purchases and then 3% cash back.
	On your first 1,500 ineligible purchases on your choice of one everyday category like wholesale, clubs, gas, and EV charging stations.
	So you get to pick as well.
	And then for the first year, low annual fee.
	So it's $95.
	Now we're starting to get into annual fees because cards like this are really good, so they charge you.
	But all the other cards we showed you guys have no annual fee.
	What else here?
	Earn more cash back.
	Rewards on prepaid travel.
	Oh, wow.
	That's another one.
	So earn 5.5 cash back on hotel and car reservations booked directly with rewards.
	So you get 5.5 on using that to book your stuff.
	Pay overtime with U.S. Bank extended pay.
	Receive a new card member.
	Zero fee offer on extended pay.
	Plans open in the first few days after an account.
	That's pretty good.
	Basically gives you more time.
	And let's see here.
	Yeah.
	Oh, Ace Hardware, Apple.
	Okay.
	Yeah.
	6% cash back at two retailers you choose.
	So you can pick two of these places.
	You know, really, really run it up.
	The Apple Card is really good, too.
	The albacar is really good, actually.
	I have an Apple Card.
	I use that one.
	That one could work pretty well, depending.
	It's more of a niche card, but that one works, too.
	Hmm.
	All right.
	Not bad.
	Yeah, and see how it compares to the other cards?
	Yeah.
	Yeah, sometimes, yeah, in some instances.
	Yeah.
	So this is a good card, too.
	A bit more niche, but you can, you know, run it up on this one as well.
	There is an annual fee on it, though.
	I'm telling you guys, we're giving you guys the most up-to-date shit.
	Like, Bill's literally just logged into it this morning.
	It's not this morning.
	Excuse me.
	Just now, before we started the stream.
	And they're already saying, oh, yeah, we gotta, you know, do whatever.
	So we're gonna refresh it and open it back up for you guys.
	I think this is gonna be the Amex Cash Preferred or something.
	Blue cash.
	Yeah, okay.
	So, this one is a good card, guys.
	This one, basically, you get 250 back after you spend 3,000 purchases on your first new card within the first six months of card membership.
	You receive 250 cash back in the form of statement credit.
	Amex usually does statement credits, by the way, guys.
	This is kind of their thing.
	You get 6%.
	On groceries, up to $6,000 per year.
	6% on select streaming subscriptions.
	So you got Netflix or whatever, you got 6% cash back on that.
	Hulu.
	3% on transit.
	So the taxis, rideshare, parking.
	Rideshare is going to be like an Uber or Lyft.
	Nice.
	Tolls, trains, buses, and more.
	So if you commute quite a bit and use transportation, public transportation, that's a good way Uber does add up.
	and then 3% cash back on gas, and then 1% on other purchases.
	So again, here's another example of a card that gives you 1% flat on everything, Right?
	And then also it gives you benefits with, look, you got the Disney bundle and all this other shit, just like the other one.
	Pretty similar.
	So this one is a more powerful of the other Amex card.
	This is like a more premium version of it.
	Yeah.
	Guys.
	Because I think the other one was only 3%.
	This one is double.
	6%.
	So this one's 6% on everything.
	Wow.
	So this one probably has annual fee.
	And I was about to say...
	$95 for the first year?
	Yeah, see?
	Top left.
	Okay.
	Yeah, it's too good to be true for free.
	Okay, so the first year free, and then $95 after that.
	That's where they get you.
	Which is common, yeah.
	But it's worth it because...
	That's a lot.
	So this one's a bit more...
	Alright, what's up next?
	And then we'll show you guys two niche cards with...
	I know some of you guys might be Apple fans.
	And then the Amazon card.
	And then the Amazon card.
	That's a lot of cards you guys can choose from, though.
	Yeah.
	So you got a lot of options to choose from.
	I think right now that Wells Fargo seems to be the best one.
	Dude, by far.
	For a 2% cash back.
	Zero annual fee.
	And you get a $200 thing.
	Bro, they're going to nerf that card.
	They're 100% going to nerf that card soon.
	So you guys might as well get in now.
	Okay, Apple Car, here we have it.
	Okay, so this is the Apple Car.
	This car's been out forever.
	Let me see how much they've nerfed it.
	Let's see.
	No fees.
	Okay, no annual fees, no late fees, no foreign transaction fees, no fees, really.
	That's good.
	Okay, daily cash back, unlimited, 3% cash back on every purchase you make.
	It's real cash.
	But here's the thing.
	I think you have to use Apple Pay.
	Oh, really?
	I think you have to use Apple Pay to get that.
	They say up to 3% cash back.
	So if I'm not mistaken, unless they changed it, it's 1% or 1.5% on all purchases if you use the card.
	So if you use the actual card, if you use Apple Pay, it's 2%.
	And then if you buy at an Apple store, it's like 3% to 5%.
	Let's go back, though.
	Let's look.
	Let's see here.
	No points, no gimmicks.
	Oh, here we go.
	Okay.
	So on everything you buy from Apple and select merges like Nike and Walgreens when you use Apple Card with Apple Pay.
	Okay, so 3% on.
	You gotta use Apple Pay.
	That's so weird.
	Yeah, this is a very good card for your Apple wallet.
	Yeah.
	But it's a metal card.
	And then every time you pay with Apple Card using Apple Pay, you get 2%.
	Okay.
	Every time you pay with Apple Card using Apple Pay.
	Okay.
	And then 1% all purchases were Apple...
	Apple is accepted?
	Yeah, isn't.
	Isn't accepted.
	Oh, it's not accepted.
	Okay, yeah.
	And you know how you do that?
	You have to use, you can ask The physical card is nice.
	I ain't gonna lie.
	It's a Flex.
	It's just blank white.
	Nothing on it.
	It's just blank white.
	And it's metal.
	So it does look good, but you have to request it.
	That is where you get the 1%.
	But where Apple Pay really shows, guys, and I'll actually show it to you guys.
	I'll show you guys.
	So you open up your wallet, right?
	Right?
	You open up your wallet like this.
	And it shows you, it color codes how you're spending your money.
	Right?
	So, um...
	Look at this.
	So, I got a warning, right?
	About some unusual activity.
	So, boom, I can check that and double check if it's, you know, What's that show?
	It's color-coded.
	Orange is...
	So it shows you all that shit, guys, right?
	And then you can pay, right?
	It shows you your current balance.
	So for me, it's like $291 or whatever.
	And I can pay it.
	And then you can choose how much you want to pay, right?
	So if I go ahead and I click here, pay to whatever, 211.
	You just click the button.
	I go 211.
	Double check.
	Boom.
	Right?
	And then you pay it, and then it's done.
	And then you have it like this.
	And then the other good thing about this thing is it shows all your transactions right there.
	Right?
	So that's good.
	Yeah, Chipotle?
	Yeah, you know it, bro.
	Chipotle and Instacart, man.
	And 7-Eleven.
	That's where you live, bro.
	Yeah, it's the same shit.
	Chipotle and core power.
	Yeah, it's the same shit all the time, bro.
	Chipotle, fucking Instacart.
	Yeah.
	Uber Eats, like, same shit.
	The spending habits.
	Yeah, that's the game, man.
	You gotta do it.
	You don't wanna see mine.
	I wanna see pressure.
	Nah, nah, nah, nah, nah.
	And then here, also, guys, if you see, right?
	You click this little button here, and it'll give you your credit card information number and stuff like that.
	You click there, it does a face ID, and it shows it to you.
	So it's all here on one thing.
	So that's where the Apple Card is good, is that it's good for Apple Pay, and you can look at everything right there on your Apple Wallet.
	Okay?
	So it's good.
	And then depending on the color, it shows how you spend your money and shit like that.
	So it's good for tracking.
	If you're really trying to figure out your spending habits and all this stuff, it's good.
	Oh, my Zolo B's.
	Uber Eats?
	But I don't use, yeah.
	There you go.
	And then you get, and then you get, and then it gets put into your, like, your Apple Cash.
	Right?
	So, like, look.
	Now, all my rewards are there on this card, and you can see all the money that you earned from your Apple Card.
	Right?
	So your Apple Card gives you the money back, and then it goes into this, which you have Apple Cash, and you have a balance.
	Nice.
	Right?
	So...
	Now, if you buy a lot of Apple products, it's good for that as well.
	Because I think you get 3% to 5% cash back if you spend it at the Apple store.
	And then also the Nike store and shit like that too.
	And this case is completely fucking cooked.
	Holy.
	Anyway.
	Damn.
	Damn, nigga.
	Yeah, that shit broke it.
	I gotta get a new one.
	Here's the best part.
	Hold on.
	Apple card at Apple.
	3% back.
	There you go.
	Apple Pay.
	Let's go, baby.
	More money.
	More money.
	Learning in style.
	That card for to get a new color.
	So, anyway.
	Any chat skills?
	Pedal?
	Oh, yeah, yeah.
	Okay, so now we're going into the...
	Before we get into the beginner cards again, let's do the Amazon card.
	Amazon Prime card, yeah.
	So, yeah.
	Again, I want to be clear, though, guys.
	The Apple card is not really a good cashback card, but it's a good niche card.
	Like if you like to use Apple Pay, It's a flex.
	Unless you get the physical card.
	If you get the physical card, then it's a flex.
	But you get 1% on that shit.
	Yeah, that shit's L, bro.
	So you buy Rolls Royce, 2014, like, I got a Rolls Royce.
	That shit trash.
	It's an L, bro.
	1% just a flex.
	Apple Card, bro, be honest with y 'all, only if you buy a lot of Apple products and you want to use your phone to do things with Apple Pay, that's the only way.
	Or if you want to track your spending and shit like that, it's really good for that.
	It shows you charts and all that shit on the phone.
	That's where Apple Pay, the Apple Card, makes sense.
	If you don't care about none of that, bro, don't get it.
	I got it just because I remember I was buying a laptop and back then you got 5% cash back so I got the card to get the laptop.
	Where's your laptop now?
	The one I have.
	The one we did the show with.
	That laptop, I bought it with...
	Remember when Chris used to run it with the laptop?
	That was it.
	I miss Chris, man.
	Where is he?
	Oh, that's right.
	Not here.
	Hey!
	He should be here.
	Should he hear me?
	It's 9.30.
	Shouldn't he be here?
	No comment.
	Just saying.
	Alright, we can go for it.
	Amazon card, let's go!
	Yo, this nigga, bro.
	This is my favorite card, actually.
	Here we go.
	Favorite card.
	Prime Amazon cashback card.
	Yeah.
	So no annual credit card fee plus no foreign transaction fees.
	You get $150 credit Amazon gift card instantly upon arrival with an eligible Prime membership.
	W. Okay.
	Damn, I gotta be a Prime member again?
	Yeah, Prime member, brother.
	Hell yeah.
	It'll be Prime.
	Prime only.
	Okay, we got Amazon.com, 3% Unlimited, 3% Amazon Fresh Online, Whole Food Market, 3% as well, Chase Travel, 3%, yeah!
	Now, I'll say this, bro.
	If you make more than, what, two Amazon purchases a year?
	Yeah.
	They should probably have this card, you would say?
	Shit, even when...
	Two to five.
	Yeah, because...
	It is.
	Very heavy.
	You have it, right?
	Yeah.
	Do you have one?
	Yes.
	Would you?
	Yes.
	Can you show them what it looks like real quick?
	Don't dox yourself.
	Yeah, don't dox yourself, obviously.
	Don't show them the back.
	Show them just the front.
	Nigga, what have you been ordering on Amazon?
	Bro.
	Well, everybody's Amazon, bro.
	Amazon.
	And especially Whole Foods.
	Yo, I get so much points off of Whole Foods.
	Okay.
	They're expensive, bro.
	Holy crap.
	They buff my life.
	After Amazon bought them, they brought the prices down a bit.
	They used to be bad, though.
	That shit used to be.
	Super trash.
	I'll go to Trader Joe's.
	If I go.
	Send that home to go do it for me.
	The one in Midtown?
	Yeah.
	Oh, yeah.
	We just opened one here.
	Oh, here?
	No, I mean like Miami didn't have a Trader Joe's for a minute.
	Oh, yeah.
	Not one close, at least in the city.
	You know why I go there?
	There you go.
	That's what it looks like, guys.
	It's a metal card.
	That thing, it's my second heaviest next adventure.
	A good card, bro.
	What's the perks on it?
	Let's look.
	Pull it up real quick.
	Again, a niche card, yeah.
	So Amazon earned 3% cash back on your Amazon.com purchase or 5% cash back with an eligible Prime membership.
	So if you got a Prime membership, guys, you're getting like the double whammy.
	Then you got Amazon Fresh earned 3% back at Amazon Fresh online or in store.
	What is this?
	Is this like a delivery ship?
	Yes.
	Amazon Fresh?
	What is that?
	Amazon Fresh.
	It's basically if you don't want to keep going to the grocery store.
	It's their own Uber grocery store.
	Uber Eats grocery store.
	Oh, it's like Instacart.
	Yes.
	And then you got Whole Foods basically earn a limited 3% back online or in-store at the Whole Foods market or 5% with the eligible Prime membership.
	That could add up.
	If you only shop at Whole Foods, because I know a lot of you niggas are on some worldly type shit, you can go ahead and go to Whole Foods.
	It's organic!
	Yeah.
	I'll say this, though.
	They got Whole Foods in your neighborhood?
	It's a good neighborhood.
	It should be.
	It's true.
	That's what I'm telling you.
	They don't go in the hood, bro.
	They stay far from the hood.
	Why don't you start seeing Chipolets and Starbucks in Whole Foods?
	You see an Aldi?
	Hey, man.
	Run for the hills.
	You see an Aldi?
	You gotta run, bro.
	Yeah, you gotta leave, right?
	It's an L, bro.
	Oh, my God.
	I'll be out of there.
	Chase Travel earned 3% back on Chase Travel purchases or 5% back with eligible Prime membership.
	Gas station 2% cash back.
	Restaurants earn unlimited 2% cash back at restaurants, whether you dine in or take out.
	Local transit, commuting.
	Damn, this is a good-ass card, bro.
	I told you it's my favorite card.
	Yeah, and then 1% back on everything else.
	So, bro, you could use this as an everyday card.
	Not bad at all.
	It makes the most sense if you got a Prime membership.
	Prime membership.
	I'm not going to do 2%.
	Gas station's unlimited is crazy, bro.
	Damn.
	I've purchased Because of this card.
	Yeah.
	Yeah, I've gotten shit for free off Amazon because of this card.
	So, yeah, guys.
	I mean, if you've got Amazon Prime, this is a no-brainer, chat.
	I'll be honest with y 'all.
	You heard about the Amazon scam?
	What?
	So, don't ask how I know this, right?
	I heard through the grapevine.
	Did she be in Miami?
	With the duet?
	No, but there was this girl that I knew.
	That I knew.
	Allegedly.
	That's the point that I knew.
	And she would buy on Amazon with the card, get the points, and then she would claim the item as never found or never acquired.
	Or she would say it was damaged.
	And then she would turn it and get the points.
	Oh, that's fucked up.
	That's fucked up, though.
	But hold on.
	She got points and free shit.
	Is it what I think?
	She wasn't black.
	Hispanic?
	Wait, hold on.
	She was African.
	I knew it.
	How'd I know, bro?
	That's crazy, bro.
	Some orangutan behavior.
	Damn.
	Orangutan behavior, bro.
	She light-skinned, though.
	She light-skinned.
	Yeah?
	But she's African.
	Oh, looks like we're having the front page on Rumble, niggas.
	Let's go.
	Let's go, baby.
	But yeah, man, this is some good advice for you guys.
	Let's see all notes.
	Because some bitch ass niggas said that we view by.
	Guys, if you hit the front page of Rumble, what ends up happening is anyone that's on the front page of Rumble, well, if you're on the first thing, automatically.
	Because they can see, if you're the number one, because it shows a box, a preview box.
	Also, you don't get deals if you viewbot, you idiot.
	You can't do that.
	They're going to see your numbers and see that you're viewbotting.
	Idiot.
	Guys, we've never viewbotted.
	Ever.
	Like, the one time I ever saw anything was, like, when academics came, and then, like, it went up, and then it went down.
	Yeah, it went up randomly, bro.
	But that had nothing to do with us.
	Y 'all niggas saw us.
	Our hands were right here.
	It could have been somebody else.
	But, like, bro, we've never viewed about it, bro, ever.
	So all our numbers are authentic.
	Organic.
	Niggas might sit there and say, oh, y 'all niggas fell off, bro.
	It's not that we ever fell off.
	It's that we just don't feel about it, nigga.
	Also, we're demonetized.
	Yep, yep.
	Still killing it.
	Still killing it.
	So, yeah, man.
	Alright, we got actually the built card right here.
	B-I-L-T.
	Yes!
	Okay.
	So this helps you pay your rent anywhere, anytime, anyplace.
	By Wells Fargo.
	By the way, you know Wells Fargo is owned by them boys.
	Of course.
	The people.
	I've been on that.
	So, yeah.
	We're comedians.
	Keep that in mind.
	But you know what?
	I actually don't hate the people.
	I feel good, actually.
	So I like Wells Fargo.
	Anyways, earn points on rent and even more in your neighborhood.
	W Fresh.
	So basically, guys.
	And I think this is really, guys, the only credit card that you can actually pay rent for and it's made for that.
	Yeah.
	What's that, man?
	The good thing is that most people pay rent anyway.
	So now you can get points for it and benefit from the card.
	Because a lot of times, the rent that you pay, $1,500, $2K, $3,400, $5K, that adds up.
	And if you actually go ahead and get that card, man, the benefit's insane.
	What's up, brother?
	So yeah, it's a really good card.
	And it's metal.
	Shit.
	Wait, the bill card is metal?
	Yeah.
	Metal.
	B-A-L-T, yeah?
	Yeah, yeah, yeah.
	Yeah, this is good.
	Like I said, this is really good for paying your rent, guys.
	And it's honestly the only card on the market that I know that you use to actually just pay your rent.
	So you get 1x points on rent, up to 100,000 points each calendar year.
	5x points with neighborhood dining partners, which I don't know where they are right now, but they do change.
	Points on Lyft right here.
	I mean, it should be Uber, but whatever.
	And then 2x points on travel.
	So, airlines, hotels, car rental.
	It's not about a car.
	And, zero annual fee.
	Yeah.
	The biggest thing with this car is being able to pay a rent with it, guys, and get points for it, man, because I know how many of y 'all have, you know, had a direct deposit or whatever, and you're not getting a benefit paying on it.
	And here's the thing.
	Rent is your biggest expense most of the time.
	Yeah.
	And you're not getting a reward on it.
	So, the purpose of this, guys, is to, you know, get a benefit, finally, for paying, you know, that $1,000, $2,000, $3,000 a month in rent, man.
	It's fucking bullshit.
	So, now you're getting a benefit.
	Let's do a quick recap here.
	Yes.
	So, guys, number one.
	Get a fucking credit card, okay?
	Oh, you know what?
	Let's go over the beginner credit cards for them real fast.
	The pedal one?
	Yeah, the pedal and the unsecured.
	And then Mo gave you guys the story already.
	So making credit history.
	So this is, again, we always recommend these two cards for you guys when it comes to...
	Beginner cards?
	Yeah.
	So the pedal.
	Is the Pedal 2 or the Pedal 1 that's the best one for?
	I think Pedal 1 is a better one.
	Yeah, Pedal 1. I don't even know why they got Pedal 2. It's kind of whack.
	I think it's Pedal 1. Yeah, because no I know fee, and then you get 1 to 10% cash back.
	That one's limited to 1.5.
	Yeah, so that one's worse, the Pedal 2. Pedal 1's better.
	Okay, but which one is the one that has the easier get-in?
	Like, lower credit score to get-in?
	No, same.
	Like, I don't know why they made a Pedal 2. Like, to me it's kind of dumb, because it's the same shit.
	Just one is better.
	Okay.
	Alright.
	Yeah.
	Well, either way, the point here, guys, is, well, one gives you a little bit slight better cashback.
	One to 1.5.
	The point is, guys, is obviously get the best one that you can get, because I think annual membership fee, no fees of any kind, zero.
	So, if you can get the Pedal 2, get it, but it depends on your, you know what it probably is?
	It probably depends on your credit score.
	So get Maybe the Petal 1 Rise might not be the one for you guys, but the Petal 1 or the Petal 2, get the best one that you can and start building up your credit.
	So these are credit cards that you can get in the beginning, which we've talked about before.
	And the other one also, guys, is the Discover It card.
	Yes.
	Which Mo talked about extensively, where you get a secured version and then work your way up and get an unsecured version.
	Secured means you put money on the card, right?
	$100, $200, whatever.
	Use it as a credit card.
	You called them and you said, "Hey, I want to turn it into unsecured?" Yes.
	Six months, right?
	It was exactly how you said it too, where you would apply online, they wouldn't even answer, or they just declined, and I called them myself and said, "Hey, I really want to stay with this card.
	I really want to stay with you guys.
	You guys have been treating me well.
	I would like a credit increase." Well, besides credit increase.
	And it upgrades on security.
	Focus on negotiating.
	Negotiating.
	Okay, look at this.
	So he applied online, he got declined, and then he called them.
	Yeah.
	And they made it happen.
	That's the power of calling, guys, by the way.
	Because it's an automated robot, basically.
	Yeah, it's based on algorithms and all this other bullshit.
	And then they see his name, see Moise, so I'm like, nah, man, this nigga's probably a Jew.
	It's Cameron.
	So they're like, you know, he's Cameron.
	But then they saw the last name Pierre, and they're like, oh, no, no, no, no.
	If it was Pierre Stein, they would have approved him.
	But they saw Pierre, and they were like, this nigga's a fucking Haitian, now we could.
	Disclaimer.
	This is a comedy skit, by the way.
	So he applied for the card, got it, worked on it for six months, the secured card.
	Then he made it unsecured after six months of paying it off.
	Got the client, called, they gave it to him.
	Then you worked your way up and then you built your credit score up like, what, 200 points just by doing that shit?
	Yes.
	Correct.
	And then he was able to go ahead and get, now he has the Amazon card.
	Then he has a venture Capital One card, which these cards, you need to have a very good credit score to get, which give you crazy benefits, like we've talked about.
	And heavy cards, too.
	So once you go ahead and you got your credit, Figure it out, right?
	And you got your first couple credit cards, whether it's a pedal or an unsecured, right?
	Then you got to graduate to what I call a card that actually gives you benefits.
	And that first card needs to be a cashback credit card, guys.
	We showed you guys a couple.
	I think right now, By far.
	It looks like that one's the best right now.
	No annual fee.
	18% intro APR where you don't pay.
	And then $200 cash back.
	That's kind of fucking crazy, bro.
	They're going to nerf that card soon.
	But then you got the Citi Double Cash and then the other one that we gave, which was the TD Bank.
	Those are good cash back cards.
	There's plenty of others too, guys, but those are just some good ones that give you a 2% flat cash back.
	And then if you want to expand from there.
	Apple, Amazon.
	Amazon is good though.
	Damn, it's good.
	That Visa that we showed you guys with the 6% cash back, the blue cash preferred.
	All these different cards give you a crazy amount of benefit depending on where you decide you want to shop.
	It's basically contingent upon that.
	And then you got the Apple card, you got the Amazon card.
	I know there's Sam's Club cards out there and Walmart cards.
	And you can get really in the weeds.
	But those are some good ones that give you really good fucking benefits across the board.
	From where it goes, man.
	But WContent, man, because this is some good shit.
	And by the way, start with the beginner credit cards.
	Once you're able to get your credit score up to what?
	700?
	Mo, when did you apply and get your Capital One Venture?
	700?
	I was in the 700s.
	Okay.
	Once you get it to the 700, guys, then you can start getting these good cashback cards that give you 2% or more.
	Also, keep a budget for your credit card spending.
	Because the problem is, if you're not aware of your spending, you go over and you don't pay back monthly, You're cooked.
	So, have a budget of your cash that you can actually have in reserves.
	For example, let's say you made $4K a month.
	Cool.
	You spend your card, maybe $1,500 to $2K max.
	After that, finish.
	If you go over that, you're cooked.
	So, pay it off every month in full because, guys, I'm telling you, I had $30K in debt.
	Took two months to pay it off.
	And you're paying more, by the way.
	Yes.
	So, you've got to pay it off every month.
	Have a budget for it because if you're not careful, it could fuck you up.
	And the credit cards, guys, you saw it.
	18% to 30% interest rate on some of this shit.
	They're fucking cooking you.
	Oh, some people are cut forever, bro.
	Bro, yeah.
	Some of y 'all will never get out.
	I ain't gonna lie, man.
	Some of you guys literally are in the fucking shadow realm, bro.
	Fatality.
	Right?
	This nigga Shao Kahn got your soul.
	You need different things.
	But, yeah.
	But, like, if you guys aren't idiots and you guys, right, because a lot of you guys that watch us are more critical thinkers, get your beginner credit card.
	Get your score up into the 700s.
	Once you get to the 700s, your first credit card that gives you benefits should be a cashback credit card.
	2%.
	Bare minimum, Chad.
	2%.
	Okay?
	The only time it's acceptable to get a credit card that gets you under 2% for cashback is the cards that we showed you guys where you get ridiculous benefits.
	And here's the thing.
	These cards like Amazon, they're still giving you 2% on damn near everything.
	Okay?
	So get a basic 2% flat everywhere.
	Then after you get your 2% flat, then you can go ahead and get a specialized card in categories.
	Okay?
	So step one, get your first credit card.
	Get it up to $700.
	Use that first credit card to get yourself into the $700.
	Once you get into the $700, first credit card that's a real credit card that gives you benefits, 2% cash back.
	Bare minimum.
	Once you have that 2% cash back card, then you can go ahead and graduate into cards that are specific.
	Your Amazon cards, your Apple cards, your Nike cards, your Sam's Club, or some of the other cards we showed you guys.
	And the 2% cards, the Citi Double Cash or the Wells Fargo are fantastic choices.
	2% cash back across the board.
	With some benefits when you open up.
	Amazon is amazing, though.
	I like that one.
	Yeah.
	I suggest, honestly, after you guys get your flat 2% cash back, go ahead and pick up the Amazon card.
	Facts.
	Honestly.
	Because most of y 'all niggas in here that are watching this, you guys probably order shit on Amazon.
	You might have a Whole Foods near you, or you're an Amazon Prime member.
	It doesn't make sense to be shopping on Amazon without an Amazon card.
	It's absolutely retarded.
	So, anything else?
	We got some chats here.
	That I missed?
	And then we're from our sponsor.
	Oh, super chats.
	Okay.
	That's pretty much it.
	We can read the sponsor first, then chats.
	Let's go ahead and read it.
	You got it?
	I got this.
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	ptsdebt.com slash FNF.
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	Sorry, ptsdebt.com slash FNF.
	There you go.
	Anything else?
	Some chats here real quick?
	Oh, yeah, yeah.
	Let's read some chats.
	All right.
	And guys, do me a favor.
	Like the video on YouTube.
	We got, what, 7,000 plus you ninjas watching right now?
	So guys, like the video.
	There's some fucking educational shit right here for you niggas, man.
	Well, 10k.
	Yeah.
	Is it?
	On everything, yeah.
	Oh, shit.
	Okay.
	Oh, Dominican.
	No, we fell off, though.
	Dominican UD.
	Is Amex Gold?
	Go ahead, you got it.
	Is Amex Gold a good card to have?
	I also have no spending limit.
	But I've been using it and paying it off in full each month.
	Yeah, you have to pay it off in full each month.
	It's a charge card.
	Which charge cards are a bit more advanced.
	I don't suggest you guys have more than one charge card in your repertoire because it could be problematic for you.
	And people tend to see, charge card!
	I can spend as much as I want!
	They go crazy, bro.
	So just be careful with that.
	But the gold is a good card.
	I think the platinum is better.
	I don't think there's a point to have a gold if you've got a platinum.
	Unless it's different businesses, but yeah.
	Funny story about the gold card.
	So I was with a celebrity.
	I don't say his name.
	And we're just like talking shit, whatever.
	He happens to go on his phone, looks at his Amex app, right?
	I'm like, I look up and I'm like, That's 60k?
	On your gold card?
	He said, yeah, I got paid the shit off.
	Oh yeah, it's a charge card.
	What?
	He said, yeah, I know.
	Bro.
	60k.
	That is wild though.
	Dude, I mean, unless like...
	Dude, I mean...
	Does he run like a brick and mortar business or some shit?
	No, you said he's a celeb.
	Yeah.
	What the fuck is he spending?
	I'll tell you this after.
	But he paid off.
	But I heard him, though.
	60K.
	Because the thing is, you can't put it off another month.
	You got paid that month.
	Oh, yeah, yeah, yeah, yeah.
	No, you have to pay.
	Yeah, that's the thing with charge cards, guys.
	That's why I like Chase, bro.
	You can put that shit on there and then pay it off.
	Guys, be careful with charge cards, man.
	You really don't want to have more than one.
	Yeah.
	I don't suggest you have more than one charge card.
	Mumbaclot.
	Yeah.
	And Amazon Prime is with Chase.
	Yeah, it is with Chase.
	Yeah, it is with Chase.
	I'm telling you, man.
	Let's see here.
	I have an Amex Go card, Chase Sapphire, preferred, and Chase Unlimited, and a KeyBank credit card.
	Which card should I use for which type of purchases?
	I don't travel that much, and I don't eat out that much.
	I'll be honest.
	I don't have any of those cards.
	I think you have a Sapphire, one of these, right?
	limited but uh Like, you don't need more cards, bro.
	Bro.
	Guys, as long as you have one good...
	You have one good travel card, and you have one good maybe special card, like an Amazon card?
	He can get the actual Wells Fargo one.
	Oh, it's a cashback card?
	Only for cashback.
	None of those cashback cards?
	They have different categories, but not a set cashback.
	Because I don't have any of those, so I can't speak to it.
	He can get a Wells Fargo one.
	That's good.
	Okay.
	Fair.
	What's up next?
	Yeah, it doesn't look like those are...
	Alpha Ray says, WFNF, I think you should talk to someone about Navy, Federal, and PenFed.
	They give up to 80k limits in credit cards and weak with bad credit.
	I got an auto loan with 30k.
	Nigga, bro, here's the thing.
	These cards are only for military guys, bro.
	The reason why I stay away from Navy and all that other stuff is that you gotta be military or a government employee to get these cards a lot of times.
	There's a way to get in there.
	There is, but I don't want...
	Yeah.
	That's not good, man.
	I know people, oh, my uncle's in the Navy!
	You know, some bullshit like that.
	Yo, I don't know if they got Carlone off of them.
	And he is not.
	Dude, I think you guys are really missing out if you don't mention it.
	Like, they give good benefits.
	But, bro, a lot of people don't qualify, bro, because they're not in the military.
	Definitely look into the military branch.
	Credit cards and credit unions.
	Credit unions are always going to give you better deals than major banks.
	Let me make this clear as well for you guys, right?
	If you want to get a loan, a lender, etc., they're going to beat out Bank of America and Chase and all these fucking banks tenfold.
	But the thing is that they're not as common and they're a bit harder to get into.
	But when it comes to these like Navy and...
	You gotta be a member of the armed services a lot of times to get in, guys.
	Okay?
	Or you gotta do some bullshit and a lie and Not worth it, bro.
	Not worth it.
	What, to save a percent or some shit?
	Like, come on, man.
	So that's why we don't talk about that stuff, bro.
	A lot of guys are not in the armed services.
	What's up next?
	Tom Jones.
	Yo, my refresh.
	Can you explain to other guys here why Dave Ramsey is a fraud?
	No.
	He's not a fraud, bro.
	He's not a fraud, bro.
	The thing you guys gotta understand is that most people are stupid.
	So Dave Ramsey works out great for stupid people because he gives them advice that is conducive to them not fucking up.
	Right?
	And that's most Americans.
	Look, guys, the average American is fat, 90 IQ, right?
	Stupid.
	Doesn't understand what's going on geopolitically, internationally.
	Doesn't even know how many branches of government we got and is on TikTok all day.
	Doesn't travel too.
	And watching porn.
	Doesn't even have a passport a lot of times.
	Dave Ramsey makes content for those motherfuckers that are retarded.
	Okay?
	Like, he says shit like, okay, you need to put like, you know, $100 for your light bill and put an envelope here and then store it away and then take another $100 and put it for your water bill and put it over here in store.
	Like, this is for bottom denominator retards, bro.
	Lowest common denominator fucking idiots.
	Like, people that lack critical thinking skills that aren't intelligent.
	So Dave Ramsey, this is why he has such a huge audience, man.
	And that's not to insult him or whatever, but I do think that for the – But you're not going to be rich listening to Dave Ramsey.
	I'll tell you that right fucking now.
	You're not going to become independently wealthy like he is.
	Because I find it interesting that he tells you guys, don't get into debt, etc.
	But he has a bunch of real estate.
	So he definitely has debt.
	I get it.
	I think he over-leveraged.
	He did.
	At the beginning.
	Is that where his horror story comes from?
	Yeah.
	He over-leveraged back in 07-08.
	But he came back.
	But he came back.
	But yeah, he still owns a bunch of real estate, bro.
	You're not going to save your way to being rich, Chad.
	Let's just keep it real.
	You're going to become rich by making as much money as you can and investing it into assets that are pretty shit over time that pay you back.
	That's how you build wealth.
	Okay?
	You're not going to save your way to being rich.
	Dave Ramsey is not trying to teach guys how to save their way to being rich.
	They're trying to basically save their way to not being poor.
	Because most Americans have terrible spending habits.
	So, look.
	I don't think he's a fraud.
	I think Dave Ramsey absolutely has a place.
	And I think for most Americans, he's actually very good.
	Like, what we're teaching you guys is, like...
	Higher IQ shit, yeah.
	But also, if you're brokey, then it's good for you.
	Because you need it.
	Yeah.
	You need credit in America, bro.
	I'm sorry, guys.
	You need credit in America.
	You're not going to get far.
	It is what it is.
	Yeah, you're not going to get far if you don't leverage credit in the United States or if you have a shitty credit score.
	Yeah, I mean, it might be hard to find that, bro?
	A 500 credit score card that...
	Very hard to find.
	You're better off just building up your credit as quickly as possible.
	Moe did it in fucking six months, so I don't want to hear no fucking excuses.
	Moe did it and got himself into the 600, 700s.
	And once you're in that level, you can get yourself an entry-level cashback card.
	So it can be done, guys.
	What else?
	Is there a credit card you can use to pay your mortgage?
	Will the bill card work for that?
	It should work.
	I know it's for rent.
	But you could probably use it for your mortgage too, bro.
	It depends on a company because they have different payment structures.
	Yeah.
	I don't know for everyone.
	Every company, yeah.
	Because you guys got to remember, it depends on your lender too.
	Yeah.
	I'm sure you can find a way though, bro.
	Yeah.
	But Bill might work, man.
	Because Bill, I think they say instead of an ACH, the credit card has an ACH for you.
	Bill is amazing.
	So Bill might work, guys.
	Just call and check.
	Yeah.
	I'm sure you can.
	You know what?
	Let me Google it for you.
	Let me check.
	Go ahead.
	Can you read the chat?
	We got Slaver Backslap says, for active military members, most if not all major CC companies with the annual fees.
	Also, 0-6% max interest CSCRA.
	Okay.
	See, again, if you're in the military, there's a lot of credit cards that you guys can use from these credit unions.
	These credit unions take care of their people way better.
	And for you guys that are not in the military, please don't commit fraud and get in trouble.
	Yeah.
	Have Army DSCID show up at your house or the NCIS or some shit like that, because I'll tell you guys this.
	FBI, open up!
	Them niggas are bored, and they're always willing to arrest somebody.
	So don't fucking waste your time committing fraud.
	Oh, yeah.
	Bill's just got a built ad on his Snapchat.
	Oh, really?
	Yeah.
	They're always watching.
	Yeah, they always watch it, bro.
	This nigga Bill's cook.
	Yeah, but, yeah.
	Guys, the fraud ain't worth it, bro.
	I don't want y 'all niggas going to jail.
	Trying to save 2%.
	Next thing you know, fucking, you know, OSI's at your front door.
	Oh, you got an Air Force credit card?
	Okay, can you show us your DD-412?
	Whatever the fuck it is.
	Your discharge paperwork?
	I lost it, bro.
	Yeah, I lost it, bro.
	Are you going to jail?
	Oh, well, we already know that you don't have it, so you're going to come with us, please.
	Oh, man.
	You know how you cook when they say, okay, come with us, please.
	FBI, open up!
	How much jail time is that?
	Who knows?
	And here's the thing, bro, with the military law enforcement, they could take you to a military court, bro.
	That's even worse.
	That's different.
	How bad is those?
	Oh, that's even worse than...
	Yeah, DD-214, sorry.
	That's even worse than regular jail.
	Because you're more than likely going to get convicted and you get less rights.
	Yeah, man.
	Less?
	Yeah, military court is no joke, bro.
	Is everyone here?
	Alright, cool.
	Okay, one chat says, an instant reach around, along with E3, ain't given this type of value.
	WFNF, my money and credit score shot up because of Money Mondays.
	God bless y 'all.
	Shout out to you, brother.
	Appreciate you, man.
	All supporting.
	Fresh updates.
	WFNF, above my credit score to 750 in less than a year.
	Thanks to you guys.
	Anyhow, chats.
	Well said.
	Okay, so I just double-checked.
	As of now, Bill, MasterCard cannot be used for direct pay mortgages to earn points, but it announced plans to introduce this feature in 2025.
	So stay tuned, guys.
	It'll probably come this year.
	Cool.
	Good question, bro.
	Anything else?
	Yeah, two more chats.
	Two more chats?
	I meant to say I have Amex Gold card.
	Okay.
	Gotcha, bro.
	Oh, Gold, I get it.
	Yeah, because he said Gold before.
	What cards do you recommend for someone with a 9-to-5 job?
	Bro, any of those cards.
	Just don't overspend.
	Anything else?
	Cool.
	My other favorite advice you gave that I almost messed up on was the credit history.
	I almost got rid of one of the oldest credit cards.
	Yes.
	Thank you.
	Guys, once you start leveling up, right?
	And you get these credit cards.
	And you're like, yo, I'm getting 2% here, 3% here, blah, blah.
	Don't close out your old credit cards.
	Okay?
	Don't close out your unsecured card that you got.
	Or your security card that you got.
	Or your pedal 1 or pedal 2. Do not close those cards out.
	Because you want your credit history to be as long as possible.
	The goal is to stay 20 years, guys.
	Okay?
	You don't want to go ahead and have a credit card for 5, 10 years.
	And then you close it.
	Now you got to start from...
	Because once you have 20 years, guys, you get into, you increase your credit score significantly.
	Yeah.
	So you want to have a long credit history.
	Mine was a Capital One Platinum.
	Also, shout out to Calvin Bonley for gifting subs.
	Hey, shout out to you, Calvin.
	By the way, sub it down Wednesday, right?
	We got a sub it down for you niggas Wednesday.
	7K subs.
	Chris goes to AA.
	I did my speech coach lessons, actually.
	Donut.
	Last Friday.
	Donut.
	So he's actually next for the actual AA meeting.
	I can't wait.
	I can't wait, man.
	7k subs.
	He goes to Alcohol Anonymous.
	I can't wait.
	All right.
	Who is that?
	Blackest Panther.
	Blackest Panther.
	Shout out to your brother.
	Just got approved for built.
	Congratulations.
	Let's go, bro.
	He's already taking action, bro.
	This nigga was like, bro, I was paying rent for no reason.
	He's like, pay rent.
	Yo, Black is bad.
	I love that, man.
	Seeing you guys take action right on the live.
	But what I will say, guys, off of what we had, if we could pull it back up.
	Guys, the Wells Fargo 2% seems to me to be the best for the card.
	So this one, and again, these motherfuckers are not paying us.
	All right, well, this is us just giving you guys this free value.
	Free value, man.
	10,000 plus of you guys watching right now.
	This seems to me to be the best cashback credit card that gives you a flat 2% cash rate, like I said before.
	Never get a cashback card that gives you less than 2% unless it gives you some other ridiculous perk.
	And no annual fee.
	Zero intro percent APR for the first 12 months, so opening on purchases after that variable.
	Okay, blast transfers.
	Oh, I think this one's for balance transfers as well, then.
	They're all for balance transfers.
	That's still good.
	That's fine.
	It doesn't matter.
	It's a zero annual fee.
	So that's crazy.
	And you get 200 bucks if you spend how much in the first 12 months or 3 months or whatever the fuck it was?
	500?
	Yeah, bro.
	That's nothing, bro.
	Yeah, that's literally nothing.
	You're getting damn near almost 50% back.
	So, alright, guys.
	I think that's the best one right now for a cashback card.
	Hands down.
	So, if any of you guys get it, let me know.
	Comment below in the chat.
	Actually, you know what, guys?
	Comment below in the comments, whether on YouTube or on Rumble, if you guys applied for any of these cards and you got approved.
	So, yeah.
	And Calvin gifted 20 subs.
	Shout out to you, Calvin.
	Shout out to Calvin, bro.
	I'm wearing a cologne right now.
	The LV cologne.
	What's it called, Bill's ombre?
	Oh, the ombre nomad.
	Yeah, yeah, yeah.
	Ombre what?
	Nomad.
	Ombre nomad, bro.
	Girls love it.
	Guys like it.
	Pause.
	It's fire.
	Shout out to Calvin.
	Very successful guy out in L.A., man.
	Yeah.
	So, guys, so end the stream there.
	We're going to be back for After Hours.
	I think it's going to be like a debate with regular guys and girls.
	So, yeah.
	We'll be back in about 10 o 'clock now.
	What time?
	30 minutes.
	In about 30 minutes, we'll be back live, guys.
	So, I love you guys.
	Comment below if you apply for any of these credit cards and you got them.
	I really want to know.
	And I hope you guys enjoyed it, man.
	Old FNF, man.
	We back, baby.
	Let's get it.
	All right, guys.
	Peace.

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