Scott LeRay
Scott LeRay
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Why The CHASE SAPPHIRE RESERVE might NOT be for You! | My CSR Strategy
Why The CHASE SAPPHIRE RESERVE might NOT be for You! | My CSR Strategy
Today we’ll be taking a look at my CSR Strategy and also looking at who this card is ideal for.
If you're interested in the CHASE SAPPHIRE RESERVE and you want support the channel, you can apply using the link below:
www.referyourchasecard.com/19n/QKXQ11HVP4
If you're interested in the CHASE FREEDOM FLEX and you want support the channel, you can apply using the link below:
www.referyourchasecard.com/18m/RDQ4JL613P
Buy Me a Coffee
www.buymeacoffee.com/TravelConnect1
Join Robinhood with my link and we'll both get a free stock 🤝 join.robinhood.com/scottl142
Subscribe and join the community. I look forward to growing with you.
Follow me on Instagram: @scottleray
--- scottleray
Thanks for watching. I look forward to showing you new ways to travel for less.
Don’t forget to like this video and subscribe. See ya soon!
Advertiser Disclosure: I will receive a referral bonus for anyone who applies for and is approved for the card through links on this channel.
Переглядів: 347

Відео

My Credit Card Strategy for Q2 2024 | What’s In My Wallet
Переглядів 482Місяць тому
My Credit Card Strategy for Q2 2024 | What’s In My Wallet Today we’ll look at my credit card strategy for earning maximum points/miles for Q2 2024 If you're interested in the CHASE SAPPHIRE RESERVE and you want support the channel, you can apply using the link below: www.referyourchasecard.com/19n/QKXQ11HVP4 If you're interested in the CHASE FREEDOM FLEX and you want support the channel, you ca...
Worth Canceling Other Cards For? | Wells Fargo Autograph Journey Review
Переглядів 8702 місяці тому
Worth Canceling Other Cards For? | Wells Fargo Autograph Journey Review If you’re interested in the Hilton Aspire card and you want to support the channel, you can applying using the link below: americanexpress.com/en-us/referral/SCOTTL4Du7?xl=cp01 Follow me on Instagram: @scottleray scottleray Buy me a coffee as I edit these videos ☕️ www.buymeacoffee.com/ScottLeray Join Robinhoo...
HELP! I MUST Cancel One of These Cards
Переглядів 1,2 тис.2 місяці тому
HELP! I MUST Cancel One of These Cards | Marriott Bonvoy Brilliant vs. Hilton Aspire If you’re interested in the Hilton Aspire card and you want to support the channel, you can applying using the link below: americanexpress.com/en-us/referral/hilton-honors?ref=SCOTTLe3a7&xl=cp01 If you’re interested in the Marriott Bonvoy Brilliant card and you want to support the channel, you can applying usin...
The Most UNDERRATED Airline Credit Card? | UNITED QUEST CARD
Переглядів 2,2 тис.4 місяці тому
Today we'll be doing a review of the UNITED QUEST Credit Card to see if it's for you. If you're interested in the card and want to support the channel, you can apply for any of the United cards using the link below: www.referyourchasecard.com/215r/YQE98J2L5Q Buy me a coffee as I edit these videos ☕️ www.buymeacoffee.com/ScottLeray Join Robinhood with my link and we'll both get a free stock 🤝 jo...
What's In My Wallet Q1 2024 (5 Country Trip)
Переглядів 4004 місяці тому
Today i'll be discussing what credit cards i'll be using during my 5 country trip through Africa. If you’re interested in the Chase Sapphire Reserve card and you want to support the channel, you can applying using the link below: www.referyourchasecard.com/19n/QKXQ11HVP4 If you’re interested in the Hilton Aspire card and you want to support the channel, you can applying using the link below: am...
MASSIVE CHANGES to the Hilton Aspire Card | Keep or Cancel?
Переглядів 5515 місяців тому
Changes to the Hilton Aspire Card: Everything You Need To Know If you’re interested in the Hilton Aspire card and you want to support the channel, you can applying using the link below: americanexpress.com/en-us/referral/hilton-honors?ref=SCOTTLe3a7&xl=cp01 Buy me a coffee as I edit these videos ☕️ www.buymeacoffee.com/ScottLeray Join Robinhood with my link and we'll both get a free stock 🤝 joi...
How I Saved THOUSANDS on TRAVEL!!! | MUST WATCH
Переглядів 3165 місяців тому
This Might Change Your Life If you’re interested in the Chase Freedom Flex card and you want to support the channel, you can applying using the link below: www.referyourchasecard.com/18o/ZQBX12AJAE If you’re interested in the Marriott Bonvoy Brilliant card and you want to support the channel, you can applying using the link below: americanexpress.com/en-us/referral/SCOTTLBynL?xl=cp01 If you’re ...
The 3 Best Credit Cards for Authorized Users
Переглядів 6465 місяців тому
3 Best Credit Cards for Authorized Users If you’re interested in the American Airlines Executive card and you want to support the channel, you can applying using the link below: www.citi.com/credit-cards/refer-a-friend/view-all-cards?soc=00088916&rafid=424735141 If you’re interested in the Chase Sapphire Reserve card and you want to support the channel, you can applying using the link below: ww...
Credit Card Predictions For 2024 | Challenge Accepted!!!
Переглядів 4676 місяців тому
Credit Card Predictions For 2024 | Challenge Accepted!!! Buy me a coffee as I edit these videos ☕️ www.buymeacoffee.com/ScottLeray Join Robinhood with my link and we'll both get a free stock 🤝 join.robinhood.com/scottl142 Subscribe and join the community. I look forward to growing with you. Follow me on Instagram: @scottleray scottleray Thanks for watching. I look forward to showi...
Chase Sapphire Preferred: Best Starter Card for Travelers?
Переглядів 1686 місяців тому
Chase Sapphire Preferred: Best Starter Card for Travelers? Buy me a coffee as I edit these videos ☕️ www.buymeacoffee.com/ScottLeray Join Robinhood with my link and we'll both get a free stock 🤝 join.robinhood.com/scottl142 Subscribe and join the community. I look forward to growing with you. Follow me on Instagram: @scottleray scottleray Thanks for watching. I look forward to sho...
The REAL REASON You Should Have The Citi Double Cash
Переглядів 2876 місяців тому
The REAL REASON You Should Have The Citi Double Cash Buy me a coffee as I edit these videos ☕️ www.buymeacoffee.com/ScottLeray Join Robinhood with my link and we'll both get a free stock 🤝 join.robinhood.com/scottl142 Subscribe and join the community. I look forward to growing with you. Follow me on Instagram: @scottleray scottleray Thanks for watching. I look forward to showing y...
Lufthansa Airport Lounge Review | IAD (Dulles International) Concorde B
Переглядів 2366 місяців тому
Lufthansa Airport Lounge Review | IAD (Dulles International) Concorde B Join Robinhood with my link and we'll both get a free stock 🤝 join.robinhood.com/scottl142 Get up to 12 Fractional Shares (valued up to $30,600) on Webull: a.webull.com/3xbJSGabYf5nJYJpNC Subscribe and join the community. I look forward to growing with you. Follow me on Instagram: @scottleray scottleray Thanks...
This MID-TIER CARD earns 10x BACK on HOTEL STAYS!!!
Переглядів 3307 місяців тому
Earn Massive Points on Hotel Stays | 10x Back!!! Buy me a coffee as I edit these videos ☕️ www.buymeacoffee.com/ScottLeray Join Robinhood with my link and we'll both get a free stock 🤝 join.robinhood.com/scottl142 Subscribe and join the community. I look forward to growing with you. Follow me on Instagram: @scottleray scottleray Thanks for watching. I look forward to showing you n...
4 REASONS THE AMEX PLATINUM CARD IS NOT YOU
Переглядів 4607 місяців тому
4 REASONS THE AMEX PLATINUM CARD IS NOT YOU Buy me a coffee as I edit these videos ☕️ www.buymeacoffee.com/ScottLeray Join Robinhood with my link and we'll both get a free stock 🤝 join.robinhood.com/scottl142 Subscribe and join the community. I look forward to growing with you. Follow me on Instagram: @scottleray scottleray Thanks for watching. I look forward to showing you new wa...
How To Redeem U.S Bank Altitude Points
Переглядів 2,8 тис.7 місяців тому
How To Redeem U.S Bank Altitude Points
WHAT’S IN MY WALLET | Q4 2023 Credit Card Strategy
Переглядів 8648 місяців тому
WHAT’S IN MY WALLET | Q4 2023 Credit Card Strategy
How To Redeem Wells Fargo Go Far Rewards
Переглядів 1,5 тис.8 місяців тому
How To Redeem Wells Fargo Go Far Rewards
The Forgotten Travel Card | Ideal for the AVERAGE traveler
Переглядів 4578 місяців тому
The Forgotten Travel Card | Ideal for the AVERAGE traveler
AMEX | Chase | Citi | Capital One | US Bank - Travel Portal Comparison (Cash Prices)
Переглядів 1,5 тис.9 місяців тому
AMEX | Chase | Citi | Capital One | US Bank - Travel Portal Comparison (Cash Prices)
United Club Airport Lounge Tour | Terminal 1 | Chicago O’Hare International Airport (ORD)
Переглядів 8 тис.9 місяців тому
United Club Airport Lounge Tour | Terminal 1 | Chicago O’Hare International Airport (ORD)
BANK OF AMERICA TRAVEL REWARDS | Who Is It For?
Переглядів 1,5 тис.9 місяців тому
BANK OF AMERICA TRAVEL REWARDS | Who Is It For?
Is the BILT Mastercard TRULY Worth The Hype?
Переглядів 2379 місяців тому
Is the BILT Mastercard TRULY Worth The Hype?
American Express CANCELLED ALL my cards | My Story
Переглядів 13 тис.9 місяців тому
American Express CANCELLED ALL my cards | My Story
6 Reasons Why You Should Have the Hilton Aspire Card
Переглядів 2,6 тис.10 місяців тому
6 Reasons Why You Should Have the Hilton Aspire Card
Hotels.com Loyalty Program | RUINED?
Переглядів 1,9 тис.10 місяців тому
Hotels.com Loyalty Program | RUINED?
MASSIVE CHANGES to the AAdvantage Executive World Elite MasterCard | Keep? Cancel? Apply?
Переглядів 8 тис.11 місяців тому
MASSIVE CHANGES to the AAdvantage Executive World Elite MasterCard | Keep? Cancel? Apply?
BEST 2 Card Setups of 2023
Переглядів 53611 місяців тому
BEST 2 Card Setups of 2023
SUMMER TIME: What’s in my Wallet | Q3 2023 Credit Card Strategy
Переглядів 74911 місяців тому
SUMMER TIME: What’s in my Wallet | Q3 2023 Credit Card Strategy
Budget Airline Anyone? | Frontier Airlines World Mastercard
Переглядів 1,6 тис.11 місяців тому
Budget Airline Anyone? | Frontier Airlines World Mastercard

КОМЕНТАРІ

  • @MoDavI-sl7iy
    @MoDavI-sl7iy 19 годин тому

    I hate bank of America. I've heard a lot of bad things about spirit airlines as well. I flew with them for the first time last month. It wasn't bad at all.

  • @realman6ft6
    @realman6ft6 19 годин тому

    Looks good. I have a short layover between coming in from London and going to Cancun. It seems virtually all the Cancun flights leave Terminal C so time permitted will,pop in here. One World Emerald and travelling Flagship First from London.

  • @normanlumhee
    @normanlumhee 4 дні тому

    Thanks for the tour & breakdown 🙏

  • @Food4thought1234
    @Food4thought1234 4 дні тому

    Yeah I don’t know what they were thinking. I deleted the app a while ago. I honestly probably would have stayed with them because I like the tap my location to find a hotel close by. They removed it! Now I get 10X flight points with my CC and couldn’t be happier. Yeah the locked in website is junk lol but I’ll do a little work for that many points.

  • @masonpower4917
    @masonpower4917 4 дні тому

    I have this card, not sure why i have it but im afraid to cancel it

  • @dream_chaser5879
    @dream_chaser5879 6 днів тому

    The Sapphire Reserve is the card for me. It has all the benefits I’m looking for plus the travel partners. Plus I like that the credit can be applied to places like the travel portal and Expedia, because these are where I’m most likely to book. Thanks for this great breakdown!

    • @ScottLeRay
      @ScottLeRay 5 днів тому

      Definitely one of my favorite cards

  • @lauratodd6392
    @lauratodd6392 8 днів тому

    Agreed- definitely deleting the app

  • @yurig2530
    @yurig2530 12 днів тому

    I was just approved for Autograph Journey with CL of $19k. I have upcoming hotel booking for ~$2500. Was trying to get this hotel via Citi and Chase portals (and use points for that), but booking directly with hotel was much cheaper, even if I cash points at 1cpp, so I decided to get this card. And it also makes most of other hotel branded cards obsolete, except maybe Hilton Aspire and Wyndham Business. It will exceed earnings on Hyatt, Marriott, IHG cards, and will earn the same points as Choice Select card, since those are transferable from WF at 1:2 ratio.

  • @SaggyJ
    @SaggyJ 13 днів тому

    Hey congrats on going UA-cam full time

  • @yurig2530
    @yurig2530 13 днів тому

    Autograph Journey would be great for booking hotels, since no other card gives you 5x on hotels except Custom Cash, but it's limited to $500, and multiples will not help you sometimes, if it's not possible to split the payment. You don't need it for airlines, since you have Prestige.

  • @yurig2530
    @yurig2530 13 днів тому

    I would definitely keep Altitude Reserve, get rid of Gold, downgrade Premier to Custom cash.

  • @beavisbutthead2058
    @beavisbutthead2058 15 днів тому

    Do you think 120K sub with 10K spend is pretty solid ? Or have you seen higher sub in the past for this card ?

  • @UTubeVidWatcher
    @UTubeVidWatcher 16 днів тому

    It is May. 2024 and Avianca released 2 new credit cards. The cards are issued by Cardless and use the Amex network.

  • @frawldog
    @frawldog 17 днів тому

    💩

  • @MarcosVenti
    @MarcosVenti 20 днів тому

    Best video I have watched about this card so far.

  • @Ritaa_27
    @Ritaa_27 24 дні тому

    Is this on T4?

  • @jimmyjames6492
    @jimmyjames6492 26 днів тому

    Thanks for the info + video!

  • @fogrunr5075
    @fogrunr5075 27 днів тому

    I've done cash advances 3 times. One time I did it just to generate a reported balance for my credit reports. I did it right before the statement date, and paid the balance to zero as soon as the statement posted. It was less than $100. Two other times I did it when I accidentally overpaid my account and had a negative balance. I transferred the cash advance directly to my checking account, making the credit card balance $0. A slightly different topic... I currently have a deliberate negative $-50 balance on one of my hotel cards. That has triggered me not being charged a $150 annual fee. That's an experiment I like!

    • @ScottLeRay
      @ScottLeRay 27 днів тому

      Interesting. Thanks for sharing!

  • @Jammin1288
    @Jammin1288 28 днів тому

    I have the CSP and the Venture X. I love the Venture X. The issue is the lounges and now that NYC will have a Reserve lounge at both JFK and LGA, I’m debating upgrading. I have priority pass with Venture X but we all know there are issues and major changes will be coming through the pipe

    • @ScottLeRay
      @ScottLeRay 28 днів тому

      I just visited the Sapphire lounge in JFK and it was not impressive...however the food was above average.

    • @Jammin1288
      @Jammin1288 28 днів тому

      @@ScottLeRay good to know! Yeah I’m going to visit before making my decision

  • @BrooklynVega1
    @BrooklynVega1 28 днів тому

    👍🏽👍🏽👍🏽

  • @Xavier_ID.
    @Xavier_ID. 29 днів тому

    👍🏼👍🏼

  • @CC-sp2xo
    @CC-sp2xo 29 днів тому

    When I look at the freedom flex I don’t see the 10% cash back for groceries

    • @ScottLeRay
      @ScottLeRay 29 днів тому

      Try using an incognito window when going to the website

    • @Jammin1288
      @Jammin1288 28 днів тому

      It’s Q1 of each year. The rotate benefit categories throughout the year

    • @ScottLeRay
      @ScottLeRay 28 днів тому

      He's talking about the current sign up offer

  • @yreyes992
    @yreyes992 29 днів тому

    First, great video!

  • @NathanDuong2023
    @NathanDuong2023 29 днів тому

    Great review. Thanks, Scott.

  • @Elricky124
    @Elricky124 Місяць тому

    Keep Hilton Aspire, Sapphire Reserved and Altitude Reserve unless you value Marriott more, keep the Brilliant and also add the American Airlines in addition the already recommended ones if you value AA perks.

  • @AllWeDoIsTwin-LearnSpanglish
    @AllWeDoIsTwin-LearnSpanglish Місяць тому

    I am literally trying to fly with them to Bogota right now

    • @ScottLeRay
      @ScottLeRay Місяць тому

      My flight wasn't bad at all. It was a good experience

  • @jefff6884
    @jefff6884 Місяць тому

    I'm so proud if you for traveling and exploring the Motherland. I have to get out there myself ✊🏾

    • @ScottLeRay
      @ScottLeRay Місяць тому

      Thanks. I love visiting the different countries in Africa. It's great!

  • @yamimax3050
    @yamimax3050 Місяць тому

    Al Maha Lounge Doha alcohol quantity? does anyone know

  • @eric_maya
    @eric_maya Місяць тому

    Cant even offer free carry on bags

  • @kmb6916
    @kmb6916 Місяць тому

    Great set up. The CFF is earning 7x at Restaurants this Q.

  • @RealSassieCassie1.0-to2cm
    @RealSassieCassie1.0-to2cm Місяць тому

    You're awesome; what a great video. I have viewed four other videos regarding this specific credit card and your video is by far the best. Thank you!

  • @jimmyjames6492
    @jimmyjames6492 Місяць тому

    Great setup! Thanks for the info + video!

  • @jonathanfactor6688
    @jonathanfactor6688 Місяць тому

    Great video thanks

  • @gainesville323
    @gainesville323 Місяць тому

    My setup is pretty simple this quarter: I’m using the Chase Freedom Flex for the Q2 categories plus 5x on gas and grocery since I opened it in February. I also using the Chase Sapphire Preferred so I can hit the 85,000 point sign up bonus!

  • @jaws2003
    @jaws2003 Місяць тому

    When using your capital one card overseas, do you have any issues with using your card paying for items at certain stores? I ran into an issue with a credit card company where it would work sometimes, and other times, it didn't.

    • @ScottLeRay
      @ScottLeRay Місяць тому

      Sometimes they will send me a text asking to verify that if it's me making the purchase. They do it whenever you're making an unusual purchase or maybe in a country you're never been before. Very inconvenient, but they're just trying to protect you.

    • @jaws2003
      @jaws2003 Місяць тому

      @ScottLeRay that's good to know. I have credit one as well, and it was horrible using my card overseas. I have the wander and their platinum cards. The wander would get declined a lot even when I told them I was going overseas.

  • @ScottLeRay
    @ScottLeRay Місяць тому

    Update: The Chase Sapphire Reserve has an increased sign up offer of 75,000 points!!! The Chase Freedom Flex also has an increased offer where you can earn 10x back at grocery stores on up to $12,000 per year!!!

  • @CesarJoel
    @CesarJoel Місяць тому

    Great cards and setup!🫵 Thanks for the overview!👍

  • @ariskoke87
    @ariskoke87 Місяць тому

    My flight leaves out of terminal 5, but i have a 5 hr layover. Can i still go to the United lounge in terminal 1 and wait there until its time to board the flight?

    • @ScottLeRay
      @ScottLeRay Місяць тому

      Yes...but you have to check to see how many hours you can stay in that particular lounge. Some lounges a 3 hours and some are more.

  • @mahmoudzaidi6812
    @mahmoudzaidi6812 Місяць тому

    How much money is in this card ?

    • @ScottLeRay
      @ScottLeRay Місяць тому

      It depends on how much they approve you for.

  • @adventuresblissconnection4198
    @adventuresblissconnection4198 Місяць тому

    Clear and thorough. Helpful. Thanks.

  • @thekeeper5588
    @thekeeper5588 Місяць тому

    Interesting 🧐

  • @rocksnrolls8664
    @rocksnrolls8664 Місяць тому

    Thanks for the info, so when they switched your free night to the new programme, i assume you did not lose out on the value of that reward night? I currently have 4 reward nights totalling £400 between them so i just want to ensure if i am going to lose out with the change, that i use them before July.

  • @tibbytx1
    @tibbytx1 2 місяці тому

    Pay for drinks??

    • @ScottLeRay
      @ScottLeRay Місяць тому

      Some are complimentary, ans some you have to pay for

  • @SledgeIncTeam
    @SledgeIncTeam 2 місяці тому

    I'm not getting it but if I did, it would only be for the bonus and I'd downgrade after the first year. I feel like the No AF Autograph is a better card

    • @ScottLeRay
      @ScottLeRay Місяць тому

      I feel you. It's a big earner for people who travel A LOT. It all depends on a persons situation.

    • @SledgeIncTeam
      @SledgeIncTeam Місяць тому

      @ScottLeRay I travel quite often but I have the Amex Platinum, Hilton Aspire, and several other cards for that. Not having domestic airline partners is a fail to me. Most people do not know you can transfer from different airlines that are in an alliance... and only having Choice as a hotel partner is meh. It was a good video though

  • @micclay
    @micclay 2 місяці тому

    The robbed me of a room owed to me.

    • @ScottLeRay
      @ScottLeRay Місяць тому

      Wow. That sucks. What happened?

    • @berrymcpipeinher2413
      @berrymcpipeinher2413 20 днів тому

      Same here I was gonna try to use it and seen it changed

  • @aaronbinner5693
    @aaronbinner5693 2 місяці тому

    I’ve heard mixed from different people. But I would 100% cancel the aspire. I’ve been upgraded a total of twice in 4 years holding this card. Granted most of my travel is domestic, I’ve stayed at many higher end properties and have been told there is no upgrades with no people in sight. The food and beverage credit also is a hassle most times if you travel with more than 1 person. I’ve very rarely have this experience with Marriotts.

    • @ScottLeRay
      @ScottLeRay 2 місяці тому

      Good info! Thanks for sharing

  • @DCGEMINI202
    @DCGEMINI202 2 місяці тому

    Easy decision, Trash the brilliant card and keep the aspire. How long u been in the credit card game? Just found ur channel. Not to many military people making these type of videos

    • @ScottLeRay
      @ScottLeRay 2 місяці тому

      What's up fam. You would trash the Brilliant considering the part I discussed at the end of the video about my future travel? But to answer your question, I've been in the points and miles game about 7 or 8 years now if I had to guess.

    • @DCGEMINI202
      @DCGEMINI202 2 місяці тому

      @@ScottLeRay yea man. You could always use your CSR to book a marriott. Yea you’ll lose status but the aspire offers way to much to get ride of first. The $400 in the United club perk the aspire offers can help pay for the flight alone. The brilliant can’t do that

  • @dragonite4242
    @dragonite4242 2 місяці тому

    Honestly, I've sworn off Wells Fargo until their culture and their customer service gets better. I had them for 10 years and every time I needed their assistance they were really hard to work with. I am much better off with other banks

  • @qcman2000
    @qcman2000 2 місяці тому

    I’d definitely get it for one yr if I was in your position, since the Autograph can still give you access to travel partners if you cancelled the Journey. The USBAR could be downgraded to the now no AF Connect & I totally see why you’d cancel the Gold. Great video 👍🏽.

    • @ScottLeRay
      @ScottLeRay 2 місяці тому

      Thanks. I was also thinking about downgrading the USBAR....but we'll see though.

  • @34skyline
    @34skyline 2 місяці тому

    don't have any wells fargo credit cards but the journey is going to be my first

    • @ScottLeRay
      @ScottLeRay 2 місяці тому

      So far, they've been great to work with