How Many Credit Cards Should You Have? I'd Keep Exactly 2

Описание: Two Chase cards cost $95 a year combined. The other one costs $795. In this video I run the numbers on all three and show exactly where the $95 setup beats the $795 card — and the one income level where it doesn't.

Cards covered:
• Chase Sapphire Preferred — $95 a year, 75,000 point welcome offer after $5,000 in 3 months, $100 annual Chase Travel hotel credit, up to $120 Global Entry/TSA PreCheck/NEXUS credit every four years.
• Chase Freedom Unlimited — $0 a year, $200 bonus after $500 in 3 months, 1.5% back on everything.
• Chase Sapphire Reserve — $795 a year, 100,000 point welcome offer after $6,000 in 3 months, $300 travel credit, $300 OpenTable dining credit, $300 StubHub and viagogo credit through December 31, 2027.

The Freedom Unlimited earns the points, the Sapphire Preferred makes them transferable to United, Southwest, JetBlue, World of Hyatt, Marriott, IHG and Wyndham. Together that's $95 total in fees and $5,500 in combined welcome offer spending.

The Reserve has to justify a $700 gap on credits alone. I show you the line where it does — and where it doesn't.

Here's how I'm measuring all of this. I'm not counting points, I'm counting dollars.

Tell me in the comments which Chase card you hold today, and I'll tell you whether the upgrade is worth it.

DISCLAIMER: This video is for educational and entertainment purposes only and is not financial, credit, tax, or legal advice. I am not a financial advisor. Credit card terms, welcome offers, annual fees, statement credits, and transfer ratios change without notice — always verify current terms on the issuer's website before applying. Applying for a credit card involves a hard inquiry and may affect your credit score. Some links may be affiliate links, and I may earn a commission at no cost to you. All dollar values are my own estimates, not the issuer's.

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