#  @spencerjohnsonofficial Spencer Johnson Spencer Johnson posts on TikTok about credit cards, unboxing, this is, credit the most. They currently have [-----] followers and [--] posts still getting attention that total [------] engagements in the last [--] hours. ### Engagements: [------] [#](/creator/tiktok::7168622220851135534/interactions)  - [--] Week [------] +3.10% - [--] Month [-------] +28% - [--] Months [-------] +580% - [--] Year [-------] +104% ### Mentions: [--] [#](/creator/tiktok::7168622220851135534/posts_active)  - [--] Week [--] -10% - [--] Month [--] +15% - [--] Months [--] -17% - [--] Year [--] +6.70% ### Followers: [-----] [#](/creator/tiktok::7168622220851135534/followers)  - [--] Week [-----] +0.57% - [--] Month [-----] +2.80% - [--] Months [-----] +13% - [--] Year [-----] +23% ### CreatorRank: [-------] [#](/creator/tiktok::7168622220851135534/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [social networks](/list/social-networks) [technology brands](/list/technology-brands) [stocks](/list/stocks) [countries](/list/countries) [luxury brands](/list/luxury-brands) **Social topic influence** [credit cards](/topic/credit-cards) #89, [unboxing](/topic/unboxing) #1668, [this is](/topic/this-is), [credit](/topic/credit), [youtube](/topic/youtube), [cards](/topic/cards), [johnson](/topic/johnson) #1321, [travel](/topic/travel), [the most](/topic/the-most), [design](/topic/design) **Top accounts mentioned or mentioned by** [@ben](/creator/undefined) [@thecreditshifu](/creator/undefined) **Top assets mentioned** [Mastercard, Inc. (MA)](/topic/$ma) [Marriott International Inc (MAR)](/topic/$mar) [Flex Ltd. Ordinary Shares (FLEX)](/topic/$flex) [Bank of America (BAC)](/topic/bank-of-america) ### Top Social Posts Top posts by engagements in the last [--] hours "UNBOXING The Chase Debit Card 💳👀 This is the unboxing of the Chase Debit card. The card itself has a really nice blue color to it both on the front and the back in classic Chase-like fashion. Even though I'll always be using a credit card over a debit card I wanted to share this unboxing experience with you as I know many people use checking accounts from Chase for their daily money management. Link in bio (YouTube: Spencer Johnson) 🎥 #debitcard #chase #chasebank #chasedebitcard #chasecheckingaccount #chasesavingsaccount #debitcardunboxing #unboxing #chasedebitcardunboxing #bestcreditcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7232712763334724910) 2023-05-13T16:59Z [----] followers, 554K engagements "Chase Freedom Flex vs. Unlimited 🥇💳 #chasefreedomflex #chasefreedomunlimited #chasecreditcards #creditcard #credit" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7173029417856404778) 2022-12-05T22:00Z [----] followers, 40.3K engagements "ONLY Business Credit Card You Need 💸💳 The Amex Blue Business Plus is the ONLY business credit card you'll ever need The fact that this card earns 2x Amex Membership Rewards points back on every purchase is HUGE. That makes this card the perfect catch-all credit card for your business purchases and the points you earn on it can be combined with all of your other Amex MR points which you can transfer out to travel partners and get 2+ cents/point. Then you can enjoy traveling the world for free #amexbluebusinessplus #amex #americanexpress #amexbusiness #creditcard #credit #PersonalFinance" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7176387391224204590) 2022-12-12T22:08Z [----] followers, [----] engagements "How to Plan Your Credit Card Roadmap 💳🗺 This is the specific series of questions you should ask yourself to help you determine what credit cards you should get next for your setup. This list I curated from a lot of experience I have recommending credit cards to people over the recent past and I think it will really help y'all analyze your own strategy. Through this decision-making process you can start to plan out your own credit card roadmap too. Full video linked in bio 🎥 #creditcards #creditcardroadmap #creditcardstrategy #creditcardplan #bestcreditcards #creditcardsetup #credit" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7183083324963949870) 2022-12-30T23:12Z [----] followers, [----] engagements "What's In My Wallet (Best [--] Card Setup) 💳💪 Full video linked in bio 🎥 💥 I currently have [--] credit cards that I use on a daily basis. Those [--] cards being the OG Chase Freedom Chase Freedom Unlimited Chase Sapphire Preferred Citi Custom Cash Amex Gold and Amex Blue Business Plus. My strategy for the credit card game is to first start out with Chase credit cards build out your Chase trifecta and then move into other lenders. For me I built my Chase trifecta after starting with the Chase Freedom Student then moved to the Citi Custom Cash to supplement my gas station spend. Then I got the Amex" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7184922413052923182) 2023-01-04T22:08Z [----] followers, 69.1K engagements "Travel vs. Cash Back Credit Cards ✈💵 In the credit card game there are [--] teams you can be on. team cash back and team travel. If you are on team travel you likely prefer to earn transferrable currencies that can be transferred out to travel partners to get the highest redemption value possible. If you're on team cash back you probably prefer simplicity and ease of redeeming your points. Neither way is correct but everyone's strategy is slightly different. My question to you is. why not a little bit of both Related video linked in bio (YouTube: Spencer Johnson) 🎥 #creditcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7194581654730591534) 2023-01-30T22:51Z [----] followers, [----] engagements "Why I Have 10+ Debit Cards and NEVER Use Them ❌💳 While some people think cash is king and that using a debit card is the best way to spend your money that is not the case for everyone Credit cards offer many more perks and benefits than debit cards if you use them responsibly. There are [--] main reasons I use credit cards over debit cards. they are more protective of your personal assets give you rewards for your everyday spending and help to build your credit score which is a necessity in the US these days. Related video linked in bio (YouTube: Spencer Johnson) 🎥 #creditcards #debitcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7195323134680288558) 2023-02-01T22:48Z [----] followers, 16.8K engagements "What's In My Wallet (2023 UPDATE) 💳🤔 Everyone's credit card setup will be slightly different but I am confident that the [--] cards I mentioned here complement my overall credit card strategy very well. I am someone who prefers to earn transferrable currencies that can be used to help me travel the world for free. This setup may not be the best for you particularly if you are on team cash back but if you're on team travel I would highly consider these cards The [--] credit cards I have in my wallet for Q1 of [----] are the Chase Ink Cash Amex Gold Citi Custom Cash Chase Freedom Unlimited Amex Blue" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7197200720334998830) 2023-02-07T00:14Z [----] followers, 18.5K engagements "Top [--] Credit Cards of [----] 💳🥇 Let's talk about my picks for the top [--] credit cards of [----]. These cards each come with their respective high-earning rates benefits credits and other perks which help to make them stand out as the best credit cards in [----] (in my opinion). There are plenty of other cards out there that may be better for your personal situation but I predict that across the whole credit card market there will be a high velocity of applications for each of these cards this year. The cards I discuss in this video are the Bilt Mastercard Citi Custom Cash Chase Freedom Flex &" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7197979975641746731) 2023-02-09T02:38Z [----] followers, 15.3K engagements "MASSIVE 500k Credit Card Point Redemption (w/ Ben Hedges) 💳✈ Ben Hedges (aka @thecreditshifu) has made a ton of credit card point redemptions since he started his credit card journey but what is his largest one you may ask This 500000-point redemption takes the cake. This redemption shows exactly how the credit card game can be so profitable. Being able to fly to multiple foreign countries and stay in 5-star resorts all for free with credit card points/credits is pretty amazing And the best part about it You can do it too #creditcardpoints #creditcards #luxurytravel #bestcreditcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7227520926190095662) 2023-04-29T17:12Z [----] followers, [----] engagements "The ONLY [--] Credit Cards You Need (w/ Ben Hedges) 💳💸 @Ben Hedges - AKA Credit Shifu has been in the credit card game for a number of years at this point and has gained experience with many credit cards in that time but if he could only have two credit cards from here on out what would those be Well the Amex Gold and Amex Platinum would be those cards. These cards provide a ton of value on one of the highest spending categories most of us have (food) while the other grants the ability to travel the world in the kind of luxury that almost every credit card doesnt allow. If youve been wondering" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7230177839268646187) 2023-05-06T21:02Z [----] followers, 35.1K engagements "Is The Bilt Card Overrated 💳🤔 It's a common misconception that every YouTube video posted about the Bilt Mastercard is sponsored. As Daniel Braun and I discuss here in our Creator Conversations episode the Bilt Mastercard is very popular for good reason. The fact that you can now earn credit card points on your rent purchases with no annual fee makes it a no-brainer for a lot of folks out there. Plus you're able to transfer those points to some of the best transfer partners in the game which is incredible. In my opinion this card deserves all the (unsponsored) hype it's gotten. what do you" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7251005254383471918) 2023-07-02T00:03Z [----] followers, [----] engagements "Is The Chase Sapphire Reserve Underrated 🤔 Everyone in the credit card game has different preferences for what cards they like depending on if they are on team travel team cash back etc. However even amongst those teams people have more specific preferences especially when it comes to how they travel. As I discuss here with Daniel Braun in our Creator Conversations episode in my opinion the Chase Sapphire Reserve is the best domestic economy travel card on the market but it is severely underrated. The reason I say that is because the fact alone that you get a 50% boost on your Chase UR" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7253564995978513710) 2023-07-08T21:36Z [----] followers, 61.8K engagements "The YouTube Credit Card Community Is. (w/ Chase Yokoyama) As credit card YouTubers we do our absolute best to provide the most relevant and researched information we can but sometimes we make mistakes. Luckily we're part of a much bigger community who are even more knowledgeable than us in some cases and it's a true blessing to have the support of such an educated group. Thank y'all for all of your contributions in making this community a better place Full video linked in bio (YouTube: Spencer Johnson) 🎥 #creditcardyoutube #creditcardcommunity #thecreditcommunity #bestcreditcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7322994890693135662) 2024-01-12T00:00Z [----] followers, [----] engagements "Why Are Amex Credit Cards So Popular (w/ Luke's Points and Miles) American Express is one if not the most well-known credit card lenders in existence but why is that As Luke discusses here it comes down to a couple of main things. For one their marketing is top notch and they make themselves known as a more luxury brand. Secondly they've nailed the customer service and make you feel important if you have their cards. There are many more reasons than these alone but these play a large factor for sure. Full video linked in bio (YouTube: Spencer Johnson) 🎥 #amexcreditcards #americanexpress" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7332271937839811886) 2024-02-06T00:00Z [----] followers, [----] engagements "Is RJ Financial Against Travel Credit Cards (w/ RJ Financial) There's a constant dichotomy between those who love cashback credit cards and those who love travel credit cards. RJ Financial is a self-proclaimed cashback credit card lover but as he explains here he's not against travel credit cards either. He's even been on team travel before but leans more towards team cashback these days for reasons stated in this video. Full video linked in bio (YouTube: Spencer Johnson) 🎥 #rjfinancial #teamtravel #teamcashback #creditcards #bestcreditcards #bestcreditcards2023 #topcreditcards2024" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7335240665921588522) 2024-02-14T00:00Z [----] followers, [---] engagements "Is The Amex Green Card Worth It (w/ RJ Financial) The Amex Green card is a card that people like to argue about a lot. At a glance it seems like a decently powerful travel card that can give you positive value every year (specifically with its Clear credit) but then again the Platinum card generally seems to be a much better option leaving the Green card in an interesting position. What are your thoughts on it Full video linked in bio (YouTube: Spencer Johnson) 🎥 #amexgreen #amexplatinum #amexcreditcards #creditcards #bestcreditcards #bestcreditcards2023 #topcreditcards2024 #creditcardpoints" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7339322554047302958) 2024-02-25T00:00Z [----] followers, 27.1K engagements "Are The Amex Platinum Credits Worth It (w/ Ben Hedges) The Amex Platinum is stacked with credits and benefits to the point where they advertise that it will give you $1500+ in value every year. However if you wouldn't have naturally used those credits and benefits before getting it then you're actually spending more money than if you weren't to have gotten the card. As Ben mentions here for the right person who travels very frequently (especially to Vegas) the Platinum card can be game-changing but it isn't for everyone. Full video linked in bio (YouTube: Spencer Johnson) 🎥 #amexplatinum" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7345244432461073706) 2024-03-11T23:00Z [----] followers, [----] engagements "Ben's Next Steps After YouTube (w/ Ben Hedges) Having a career on YouTube is something very new to us and based on what we've seen from other creators so far the lifespan of a channel is relatively short (5-10 years). So this begs the question of what to do after your career on YouTube is over. With this thought in mind I asked Ben what he sees himself doing in the future and his answer was to invest in and build his own short-term rentals and maybe even a hotel one day. We've seen him start on this journey with his Minnewaska Cabin project in [----] and I'm excited to see what else he has" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7347099854398868782) 2024-03-16T23:00Z [----] followers, [---] engagements "Amex Gold + Venture X Duo (w/ Kevin Yang) The Amex Gold and Venture X are a duo that has gained popularity over the last couple of years. While the most logical pairing with the Venture X would be the Savor One a lot of us get the Amex Gold card before the Venture X and would rather use that for all of our dining and grocery store purchases instead. This is a duo I personally use very frequently and have found a lot of value in but what do you think Full video linked in bio (YouTube: Spencer Johnson) 🎥 #amexgold #venturex #creditcardsetup #kevinyang #creditcards #bestcreditcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7350810764824939819) 2024-03-26T23:00Z [----] followers, 14.4K engagements "Why Cent Per Point Values Don't Matter (w/ Anthony Venture) To me my points are supposed to help me take trips I may not have ever taken if I had to book in cash. While I COULD pay for them in cash utilizing points to help me make those memories with much less impact on my wallet really helps in the long run. A lot of folks obsess over their cent per point values when redeeming their points but to me as long as I get a redemption above my base expected value that's a win in my books. Full video linked in bio (YouTube: Spencer Johnson) 🎥 #centperpoint #pointredemptions #anthonyventure" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7362314403599125806) 2024-04-26T23:00Z [----] followers, [---] engagements "Amex Is Not Your Friend (w/ Anthony Venture) In the past year or so Amex has made some objectively negative changes to their entire credit card lineup. From adding family language to lock us out of welcome offers increasing minimum spending requirements increasing annual fees putting us in pop-up jail etc. Amex has started to put a bad taste in a lot of our mouths (including myself). In the past Amex fanboys have always defended them as if Amex was the one bank that had your best interests in mind but we've seen the tide change this past year. How do you feel about them today Full video" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7367509630240738606) 2024-05-10T23:00Z [----] followers, 10.4K engagements "How Many Credit Cards Should You Have (Stage 2) 💸 In this video I answer the questions How many credit cards should you have and "How many credit cards are too many". These are two of the most frequently asked questions about credit cards and in this video I hope to help you understand how many credit cards you should have depending on what stage of your credit card journey you're in. There's really no "one-size-fits-all" answer to this question but depending on what stage you fall into this video should give you guidance to answer that question for yourself. For example I have [--] credit" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7406829191699713323) 2024-08-24T22:00Z [----] followers, [---] engagements "How Many Credit Cards Should You Have (Stage 4) 💳 In this video I answer the questions How many credit cards should you have and "How many credit cards are too many". These are two of the most frequently asked questions about credit cards and in this video I hope to help you understand how many credit cards you should have depending on what stage of your credit card journey you're in. There's really no "one-size-fits-all" answer to this question but depending on what stage you fall into this video should give you guidance to answer that question for yourself. For example I have [--] credit" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7412024383604116779) 2024-09-07T22:00Z [----] followers, [----] engagements "UNBOXING The Chase Sapphire Reserve 👀 This is the unboxing of the Chase Sapphire Reserve one of the most premium travel credit cards on the market. If youre serious about maximizing travel rewards and perks the Sapphire Reserve is packed with value: from 3x points on travel and dining to access to Chase Sapphire lounges Priority Pass lounges a $300 annual travel credit and more. The sleek metal design in black blue and silver gives it a really elevated feel but Im curious what do you think of it Be sure to watch the full-length video associated with this clip 📷 #chasesapphirereserve" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7502185742651706654) 2025-05-08T21:12Z [----] followers, 29.1K engagements "UNBOXING The OG Chase Freedom 👀 This is the unboxing of the OG Chase Freedom Credit Card one of the only cards still earning 5% back in rotating categories without an annual fee. I mainly keep it for the easy 5x points each quarter on things like gas groceries and online shopping which makes it one of the best no-AF cards ever made. This new version replaced my old raised-number design with a cleaner flat finish a subtle green accent and that signature Chase blue. Still simple still effective. What do you think of the design Be sure to watch the full-length video associated with this clip 📷" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7525579104721194271) 2025-07-10T22:10Z [----] followers, [----] engagements "ONLY [--] Credit Cards You'll EVER Need 💸🌴 The best credit card setup for free travel includes the Chase Freedom Flex Chase Freedom Unlimited Chase Sapphire Preferred Amex Gold and Amex Platinum. With this combination of credit cards you will accumulate a ton of Chase Ultimate Rewards points and Amex Membership Rewards points that can provide you 10+ cents/point in value when transferred to travel partners (if you use them correctly). The possibilities of this setup are endless on the travel side of the credit card game #creditcardsetup #bestcreditcards #creditcardstrategy #chasefreedomflex" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7179732472291249451) 2022-12-21T22:29Z [----] followers, 54K engagements "UNBOXING The Amex Business Debit Card 👀💳 This is the unboxing of the American Express Business Checking Account debit card. Generally I don't care to look at the packaging of my cards too much but Amex put some really nice attention to detail on this one. The card itself has a really nice white color to it both on the front and the back. On top of that the front of the card is vertical in design like some of Amex's other cards lately. Even though I'll always be using a credit card over a debit card I wanted to share this unboxing experience with you as I know this new(ish) Amex Business" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7243181791396351275) 2023-06-10T22:04Z [--] followers, 188.4K engagements "Chase vs. Amex Credit Cards: Who Wins 🏆 The age-old debate in the credit card game is whether or not Chase or Amex have the best credit cards. As I discuss here with Daniel Braun in our Creator Conversations episode we both agree that Chase's credit cards are the number one credit cards in our books mainly because of their ease of use point-earning potential and flexibility. While Amex's credit cards are super valuable to the right people they aren't for the masses. what do you think Link in bio (YouTube: Spencer Johnson) 🎥 #chase #amex #chasevsamex #chasecreditcards #amexcreditcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7256097149035875627) 2023-07-15T17:23Z [----] followers, 77.2K engagements "Why You NEED Business Credit Cards 💳 Business credit cards are arguably one of the most powerful tools in the entire credit card game. From higher welcome offers to helpful earning categories not covered by your personal cards I'd be willing to bet you can get a lot of value from them. As I discuss here with Ben Hedges (@Ben Hedges - AKA Credit Shifu) in our Creator Conversations episode we both agree that business credit cards are a tool that more people should be utilizing especially due to the fact that they're accessible to anyone even if you don't have an official business. What do you" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7258695690224766250) 2023-07-22T17:26Z [--] followers, [----] engagements "Why Daniel Started His YouTube Channel (w/ Daniel Braun) Daniel and I have a very similar beginning to our YouTube careers especially as it comes to our obsession with YouTube long before we started uploading. The possibilities these days are truly endless with this platform and we're blessed to be able to create on it full time. Have you ever considered starting a channel of your own Full video linked in bio (YouTube: Spencer Johnson) 🎥 #danielbraun #youtubestrategy #creditcards #bestcreditcards #bestcreditcards2023 #topcreditcards2024 #creditcardpoints #creditcardrewards #creditcardpoints" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7340806903875882286) 2024-02-29T00:00Z [----] followers, [----] engagements "The Only [--] Credit Cards You Need (w/ Ben Hedges) With so many credit cards out there to choose from it can be hard to select the most optimal ones for you. Knowing this I asked Ben what credit cards he would use if he could only have two and he answered with the Amex Platinum and Amex Gold cards. The Amex Gold is an absolute workhorse card while the Amex Platinum gives you some of the best benefits in the game so that is a very justifiable answer but what would YOU go with Full video linked in bio (YouTube: Spencer Johnson) 🎥 #amexplatinum #amexgold #amexduo #benhedges #creditshifu" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7345986691443789098) 2024-03-13T23:00Z [----] followers, 19.4K engagements "The Bilt Mastercard Secret Welcome Offer (w/ Stan The Credit Frog) The Bilt Mastercard is one of the most popular credit cards on the market right now despite the fact that it has no welcome offer on it. Or does it There's a "secret" welcome offer on the Bilt Mastercard of getting 5x back on all of your non-rent purchases for the first [--] days of having it for those that are targeted for the offer (which seems to be most people). Be sure to check your email and texts for this offer Full video linked in bio (YouTube: Spencer Johnson) 🎥 #biltmastercard #biltrewards #welcomeoffer" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7349326539068132651) 2024-03-22T23:00Z [--] followers, [----] engagements "5% Cashback vs. 3x Points/Miles (w/ Joshua Butler) For many folks a hybrid credit card setup composed of both cashback and travel credit cards is the most optimal approach. But how do you decide which currency you want to earn in A common debate out there is whether or not 5% cashback is better than 3x points and miles considering points and miles are generally valued at double cashback rates. What would you choose Full video linked in bio (YouTube: Spencer Johnson) 🎥 #pointsandmiles #cashback #freetravel #joshuabutler #creditcards #bestcreditcards #bestcreditcards2024 #topcreditcards2024" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7361943508107693354) 2024-04-25T23:01Z [----] followers, 15.1K engagements "Balancing A Hybrid Credit Card Setup (w/ Joshua Butler) For many folks a hybrid credit card setup composed of both cashback and travel credit cards is the most optimal approach. But how do you decide which purchases go on what cards As Josh discusses here these days he mainly only uses his cashback credit cards for his utility bills gym membership and gas purchases but most of his other purchases go on his travel cards. How do you use your hybrid credit card setup Full video linked in bio (YouTube: Spencer Johnson) 🎥 #joshuabutler #hybridcreditcardsetup #creditcards #bestcreditcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7363798814240558379) 2024-04-30T23:00Z [----] followers, [----] engagements "Credit Union Credit Cards Are Better Than You Think (w/ Joshua Butler) One of the most slept-on types of credit cards on the credit card market are credit union credit cards. There are so many to choose from and a lot of the time they'll give some seriously competitive rewards on some of your highest eligible spend categories making them very viable for your daily setup especially if you're on team cashback. What are some of your favorite credit union credit cards Full video linked in bio (YouTube: Spencer Johnson) 🎥 #crediunioncreditcards #creditunion #creditcards #bestgascreditcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7367045885093596458) 2024-05-09T17:00Z [----] followers, [----] engagements "How I Justify $2133 In Annual Fees 💳 In this video I explain exactly how Im managing my annual fees on my existing credit cards as well as the credit cards I have on my roadmap to add to my setup in the year. In doing so I discuss when and why Id choose to cancel a credit card and also explain how I can justify the annual fee on even the most expensive credit cards. I am currently holding [--] credit cards with annual fees on them the Chase Sapphire Reserve ($550) Capital One Venture X ($395) Amex Business Gold ($375) Marriott Bonvoy Boundless ($95) and Citi Strata Premier ($95). In total I'm" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7403489473616465195) 2024-08-15T22:00Z [----] followers, [----] engagements "Best Cashback Credit Cards Pt.3 (Special Cards) 💰 In this video I analyze all of the best no-annual-fee cashback credit cards on the market from the major banks (Chase Amex Capital One Citi Wells Fargo US Bank Bank of America and Discover) on top of some issuers you've maybe never heard of including store credit cards and credit union credit cards. These [--] credit cards are broken down into [--] main sections the Everyday Cards Pick Your Own Category Cards Rotating Category Cards Catch-All Cards Store Cards and Credit Union Cards. Not only do I review the benefits of each of these credit cards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7420590291058543915) 2024-10-01T00:00Z [--] followers, [---] engagements "UNBOXING The Ritz-Carlton Card 👀 This is the unboxing of the Ritz-Carlton Credit Card one of the more exclusive travel cards you can get. While you cant apply for it anymore you can still upgrade to it from a lower-tier Chase Marriott card which is exactly what I did. Beyond its luxury perks from a $300 annual travel credit to Priority Pass/Sapphire lounge access Marriott Bonvoy Gold Elite status and an 85k-point free night certificate the real standout is the design: a sleek gloss black finish with the Ritz-Carlton lion logo in silver. Honestly it might be my favorite card design Ive ever" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7538923683033713951) 2025-08-15T21:14Z [----] followers, 33.8K engagements "UNBOXING The Cash App Debit Card 👀 This is the unboxing of the Cash App Debit Card. The coolest part about this card is that you get to design it however you want. For mine I added clouds and stars to match the style of my YouTube channel banner but every Cash App card is unique which makes it pretty fun. Ive never used this nor do I plan to but its good to have in the backup wallet. How would you design yours Be sure to watch the full-length video associated with this clip 📷 #cashapp #cashappcard #cashappdebitcard #cashappaccount #cashappreview" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7562299454045343007) 2025-10-17T21:04Z [----] followers, 38.3K engagements "Russia and China and the world leaders thy said trump he didn't respect international law . Nicholas Madura he was sending drugs and criminal to America U S. Warren Venezuela leader but he didn't listen Russia and China and the world leaders thy said trump he didn't respect international law . Nicholas Madura he was sending drugs and criminal to America U S. Warren Venezuela leader but he didn't listen Russia and China and the world leaders thy said trump he didn't respect international law . Nicholas Madura he was sending drugs and criminal to America U S. Warren Venezuela leader but he" [TikTok Link](https://www.tiktok.com/@mariokanou/video/7591597589116603679) 2026-01-04T19:56Z [--] followers, [---] engagements "NEW Bilt [---] Credit Cards: First Look 👀 Here is your exclusive first look at the brand-new Bilt [---] credit card designs including the $0 Bilt Blue Card $95 Bilt Obsidian Card and $495 Bilt Palladium Card. If you want my full breakdown on how each of these works and whether any of them actually fit into your credit card setup and overall strategy check out the full video on my YouTube channel. #biltcreditcards #newcreditcards #bestcreditcards #creditcardnews #creditcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7595342978995080478) 2026-01-14T22:10Z [----] followers, [----] engagements "BEST Luxury Travel Credit Card ✈🌍 The Capital One Venture X may very well be the BEST luxury travel credit card on the market. Even though it has a $395 annual fee the credits and benefits that come with it will allow you to EASILY get positive value from it every year. In fact even if you just use this card normally you'll be paid $5 a year to hold this card. It's definitely a card you should look into #capitaloneventurex #venturex #capitalone #travelcreditcards #creditcard #credit #personalfinance" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7177138500372942126) 2022-12-14T22:43Z [----] followers, [----] engagements "The #1 Credit Card of [----] 💳🏆 The best credit card of [----] is the Bilt Mastercard (in my opinion). This credit card is the only credit card on the market that allows you to earn rewards for all of your rent purchases. On top of that it has other elevated earning categories that are doubled on the first of every month its a black metal credit card and it has no annual fee. Furthermore the travel partners that you can redeem your Bilt points with are some of the most valuable in the credit card game. All of these reasons (and more) go to show why the Bilt Mastercard is at the top of my list" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7223130809350245675) 2023-04-17T21:16Z [----] followers, 12.3K engagements "UNBOXING The Priority Pass Card 👀💳 This is the unboxing of the Priority Pass Select membership card. The card itself has a really sleek black and gold colorway to it. I received this card because of my free Priority Pass Select membership through my Capital One Venture X but there are many cards that will give you the same access (Amex Gold Chase Sapphire Reserve etc.). For those of you who havent seen the physical Priority Pass card yet this ones for you. Link in bio (YouTube: Spencer Johnson) 🎥 #prioritypass #prioritypassselect #prioritypasscard #prioritypasslounge #airportlounge" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7237956055756606766) 2023-05-27T20:06Z [--] followers, 54K engagements "UNBOXING The UFCU Debit Card 💳👀 This is the unboxing of the University Federal Credit Union debit card. This credit union is local to the Austin Texas area and I opened up a checking account with them when I got my car loan from them a while back. The card design itself is not my favorite and the card is really flimsy but hey an unboxing is an unboxing Link in bio (YouTube: Spencer Johnson) 🎥 #bestcheckingaccount #bestbankaccount #unboxing #unboxingcreditcard #unboxingdebitcard #debitcard #ufcudebitcard #creditunioncards #universityfederalcreditunion #ufcudebitcardunboxing #bestcreditcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7240595765389757742) 2023-06-03T22:49Z [----] followers, 14.2K engagements "The Most Underrated Credit Card Duo (w/ Daniel Braun) 💳 There are a lot of credits that are hyped up as the best credit cards on the market but there always seems to be one credit card lender that's overlooked. As Daniel Braun mentioned here in our Creator Conversations episode the Capital One Duo is one of the most underrated credit card setups in the game. The Capital One Venture X provides a ton of value when it comes to travel and miscellaneous purchases while the Savor One covers most of your highest spend categories at 3x back. While this setup isn't for everyone it could be one to" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7245818991912963371) 2023-06-18T00:38Z [----] followers, 154.2K engagements "UNBOXING The Ally Debit Card 👀 This is the unboxing of the Ally Debit Card which comes with their Ally Bank Spending Account that has no monthly maintenance fees and reimburses all U.S. ATM fees. I originally opened it because Ally is one of the best-known online banks but its since become one of my favorite backup accounts especially their high-yield savings account. The card itself has a sleek purple design with bold Ally branding. I dont actually use the card at all but the online banking experience its tied to is one of the smoothest Ive used. What do you think of the design Be sure to" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7549288502865710367) 2025-09-12T19:35Z [----] followers, [----] engagements "UNBOXING The Citizens Summit Reserve 👀 This is the unboxing of the Citizens Summit Reserve card and at a high level its positioned as a premium cash back option. It earns 3% unlimited cash back on dining groceries and entertainment (including streaming services) and 1.5% back on everything else along with over $500 in premium travel benefits and exclusive experiences. The card itself looks and feels high-end with a clean finish subtle texture and a unique cut-out detail on the bottom right that makes it stand out from most metal cards. What do you think about it #creditcardunboxing" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7593763735257320734) 2026-01-10T16:02Z [----] followers, [----] engagements "UNBOXING The Chase Ink Premier 👀 This is the unboxing of the Chase Ink Premier Credit Card. Its the only Ink card that earns straight cashback and doesnt earn Ultimate Rewards points. I mainly grabbed it for the high 2.5% earning rate on purchases over $5000 plus the $1000 welcome offer which both came in handy for my tax payments. The card is all metal has a clean premium design and feels surprisingly heavy in-hand. honestly one of the best builds Ive seen. What do you think of the look Be sure to watch the full-length video associated with this clip 📷 #chaseinkpremier #inkpremierunboxing" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7522967881827601694) 2025-07-03T21:17Z [----] followers, [----] engagements "Most FLEXIBLE Credit Card 💰💳 The Citi Custom cash is the most flexible credit card on the credit card market in my opinion. This card will get you 5x back on your highest eligible spend category every month (up to $500 spend/month). The categories it can earn 5x in are very broad including restaurants travel grocery stores etc. If you want 5x back on a category of your choosing you NEED this credit card #citicustomcash #citicreditcards #citi #bestcreditcards #creditcard #credit #personalfinance" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7174530054020468011) 2022-12-07T22:00Z [----] followers, 31.7K engagements "How Many Credit Cards Should You Have (Stage 1) 🚀 In this video I answer the questions How many credit cards should you have and "How many credit cards are too many". These are two of the most frequently asked questions about credit cards and in this video I hope to help you understand how many credit cards you should have depending on what stage of your credit card journey you're in. There's really no "one-size-fits-all" answer to this question but depending on what stage you fall into this video should give you guidance to answer that question for yourself. For example I have [--] credit" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7405344918996143406) 2024-08-20T22:00Z [----] followers, [----] engagements "UNBOXING The Novo Debit Card 💳👀 This is the unboxing of the Novo Business Checking Account Debit card. The card itself has a really nice sleek black color to it both on the front and the back along with some blue lining along the edges. Even though I'll always be using a credit card over a debit card I wanted to share this unboxing experience with you as Novo's Business Checking Account has gotten a lot more popular in the last couple of years. Link in bio (YouTube: Spencer Johnson) 🎥 #novo #novodebitcard #unboxing #debitcard #debitcardunboxing #unboxing #novodebitcardunboxing" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7235307757581225258) 2023-05-20T16:49Z [----] followers, 10.2K engagements "UNBOXING The SoFi Debit Card 👀 This is the unboxing of the SoFi Debit Card which comes with their checking and savings accounts offering up to 4.60% APY and no monthly fees. I originally grabbed it for the welcome offer but these accounts have since become my go-to for everyday banking. The card itself has a minimal white-and-blue design with subtle branding. I dont actually use the card but the high-earning accounts its tied to are my daily drivers. What do you think of the design Be sure to watch the full-length video associated with this clip 📷 #sofi #sofidebitcard #soficheckingaccount" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7531132690490297631) 2025-07-25T21:22Z [----] followers, 22.8K engagements "UNBOXING The Chase Sapphire Reserve 👀 This is the unboxing of the new $795 Chase Sapphire Reserve one of the most premium travel credit cards on the market. If youre serious about maximizing travel rewards and perks the Sapphire Reserve is packed with value: from 4x on hotels and flights 3x on dining to access to Chase Sapphire lounges Priority Pass lounges $500 worth of Edit hotel credits $300 worth of dining credits $300 worth of travel credits and more. The sleek metal design in black blue and silver gives it a really elevated feel but Im curious what do you think of it Be sure to watch" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7601567704201415967) 2026-01-31T16:45Z [----] followers, [----] engagements "UNBOXING The Bilt Palladium (Mirror) 👀 This is the unboxing of the new $495 Bilt Palladium Bilts most premium credit card so far and a noticeable shift for the Bilt lineup. The focus of this card is still centered around earning 2x Bilt Rewards points on everyday spend plus 4% Bilt Cash or up to 1.25x on rent or mortgage depending on which option you choose. It also adds some travel-focused benefits like up to $400 in Bilt Travel hotel credits Priority Pass lounge access and a few other premium features compared to the previous Bilt Mastercard. The limited-edition physical card itself is a" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7604123884471815454) 2026-02-07T14:05Z [----] followers, [----] engagements "UNBOXING The Bilt Palladium (Mirror) 👀 This is the unboxing of the new $495 Bilt Palladium Bilts most premium credit card so far and a noticeable shift for the Bilt lineup. The focus of this card is still centered around earning 2x Bilt Rewards points on everyday spend plus 4% Bilt Cash or up to 1.25x on rent or mortgage depending on which option you choose. It also adds some travel-focused benefits like up to $400 in Bilt Travel hotel credits Priority Pass lounge access and a few other premium features compared to the previous Bilt Mastercard. The limited-edition physical card itself is a" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7604123884471815454) 2026-02-07T14:05Z [----] followers, [----] engagements "UNBOXING The Chase Sapphire Reserve 👀 This is the unboxing of the new $795 Chase Sapphire Reserve one of the most premium travel credit cards on the market. If youre serious about maximizing travel rewards and perks the Sapphire Reserve is packed with value: from 4x on hotels and flights 3x on dining to access to Chase Sapphire lounges Priority Pass lounges $500 worth of Edit hotel credits $300 worth of dining credits $300 worth of travel credits and more. The sleek metal design in black blue and silver gives it a really elevated feel but Im curious what do you think of it Be sure to watch" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7601567704201415967) 2026-01-31T16:45Z [----] followers, [----] engagements "NEW Bilt [---] Credit Cards: First Look 👀 Here is your exclusive first look at the brand-new Bilt [---] credit card designs including the $0 Bilt Blue Card $95 Bilt Obsidian Card and $495 Bilt Palladium Card. If you want my full breakdown on how each of these works and whether any of them actually fit into your credit card setup and overall strategy check out the full video on my YouTube channel. #biltcreditcards #newcreditcards #bestcreditcards #creditcardnews #creditcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7595342978995080478) 2026-01-14T22:10Z [----] followers, [----] engagements "UNBOXING The Citizens Summit Reserve 👀 This is the unboxing of the Citizens Summit Reserve card and at a high level its positioned as a premium cash back option. It earns 3% unlimited cash back on dining groceries and entertainment (including streaming services) and 1.5% back on everything else along with over $500 in premium travel benefits and exclusive experiences. The card itself looks and feels high-end with a clean finish subtle texture and a unique cut-out detail on the bottom right that makes it stand out from most metal cards. What do you think about it #creditcardunboxing" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7593763735257320734) 2026-01-10T16:02Z [----] followers, [----] engagements "UNBOXING The Cash App Debit Card 👀 This is the unboxing of the Cash App Debit Card. The coolest part about this card is that you get to design it however you want. For mine I added clouds and stars to match the style of my YouTube channel banner but every Cash App card is unique which makes it pretty fun. Ive never used this nor do I plan to but its good to have in the backup wallet. How would you design yours Be sure to watch the full-length video associated with this clip 📷 #cashapp #cashappcard #cashappdebitcard #cashappaccount #cashappreview" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7562299454045343007) 2025-10-17T21:04Z [----] followers, 38.3K engagements "UNBOXING The Ally Debit Card 👀 This is the unboxing of the Ally Debit Card which comes with their Ally Bank Spending Account that has no monthly maintenance fees and reimburses all U.S. ATM fees. I originally opened it because Ally is one of the best-known online banks but its since become one of my favorite backup accounts especially their high-yield savings account. The card itself has a sleek purple design with bold Ally branding. I dont actually use the card at all but the online banking experience its tied to is one of the smoothest Ive used. What do you think of the design Be sure to" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7549288502865710367) 2025-09-12T19:35Z [----] followers, [----] engagements "UNBOXING The Ritz-Carlton Card 👀 This is the unboxing of the Ritz-Carlton Credit Card one of the more exclusive travel cards you can get. While you cant apply for it anymore you can still upgrade to it from a lower-tier Chase Marriott card which is exactly what I did. Beyond its luxury perks from a $300 annual travel credit to Priority Pass/Sapphire lounge access Marriott Bonvoy Gold Elite status and an 85k-point free night certificate the real standout is the design: a sleek gloss black finish with the Ritz-Carlton lion logo in silver. Honestly it might be my favorite card design Ive ever" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7538923683033713951) 2025-08-15T21:14Z [----] followers, 33.8K engagements "UNBOXING The SoFi Debit Card 👀 This is the unboxing of the SoFi Debit Card which comes with their checking and savings accounts offering up to 4.60% APY and no monthly fees. I originally grabbed it for the welcome offer but these accounts have since become my go-to for everyday banking. The card itself has a minimal white-and-blue design with subtle branding. I dont actually use the card but the high-earning accounts its tied to are my daily drivers. What do you think of the design Be sure to watch the full-length video associated with this clip 📷 #sofi #sofidebitcard #soficheckingaccount" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7531132690490297631) 2025-07-25T21:22Z [----] followers, 22.8K engagements "UNBOXING The OG Chase Freedom 👀 This is the unboxing of the OG Chase Freedom Credit Card one of the only cards still earning 5% back in rotating categories without an annual fee. I mainly keep it for the easy 5x points each quarter on things like gas groceries and online shopping which makes it one of the best no-AF cards ever made. This new version replaced my old raised-number design with a cleaner flat finish a subtle green accent and that signature Chase blue. Still simple still effective. What do you think of the design Be sure to watch the full-length video associated with this clip 📷" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7525579104721194271) 2025-07-10T22:10Z [----] followers, [----] engagements "UNBOXING The Chase Ink Premier 👀 This is the unboxing of the Chase Ink Premier Credit Card. Its the only Ink card that earns straight cashback and doesnt earn Ultimate Rewards points. I mainly grabbed it for the high 2.5% earning rate on purchases over $5000 plus the $1000 welcome offer which both came in handy for my tax payments. The card is all metal has a clean premium design and feels surprisingly heavy in-hand. honestly one of the best builds Ive seen. What do you think of the look Be sure to watch the full-length video associated with this clip 📷 #chaseinkpremier #inkpremierunboxing" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7522967881827601694) 2025-07-03T21:17Z [----] followers, [----] engagements "UNBOXING The Alaska Airlines Business 👀 This is the unboxing of the Alaska Airlines Business Card an underrated option with a surprisingly strong welcome offer. Even if you never fly Alaska the miles you earn can be used to book American Airlines flights thanks to their Oneworld partnership. That makes it one of the easiest ways to unlock domestic and international award travel without dealing with Amex Chase Capital One etc. The card design is simple and professional but what do you think of the look Be sure to watch the full-length video associated with this clip 📷 #creditcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7509978692597124383) 2025-05-29T21:13Z [----] followers, [----] engagements "UNBOXING The Amex Blue Business Plus 👀 This is the unboxing of the Amex Blue Business Plus a low-key but incredibly powerful card for anyone running a small business or side hustle. It earns 2x Membership Rewards points on every purchase up to $50000 a year with no annual fee. It might not have flashy perks but its one of the most efficient cards for racking up transferable points quietly in the background. The simple blue design keeps it clean and professional but what do you think of the look Be sure to watch the full-length video associated with this clip 📷 #amexbluebusinessplus" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7504783642527386911) 2025-05-15T21:13Z [----] followers, [----] engagements "UNBOXING The Chase Sapphire Reserve 👀 This is the unboxing of the Chase Sapphire Reserve one of the most premium travel credit cards on the market. If youre serious about maximizing travel rewards and perks the Sapphire Reserve is packed with value: from 3x points on travel and dining to access to Chase Sapphire lounges Priority Pass lounges a $300 annual travel credit and more. The sleek metal design in black blue and silver gives it a really elevated feel but Im curious what do you think of it Be sure to watch the full-length video associated with this clip 📷 #chasesapphirereserve" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7502185742651706654) 2025-05-08T21:12Z [----] followers, 29.1K engagements "Unboxing Southwest Priority Card 👀 To hear all of this information and more be sure to watch the full-length video associated with this clip (YouTube: Spencer Johnson) 🎥 #southwestcompanionpass #southwestairlines #howtogetsouthwestcompanionpass #southwestrapidrewards #companionpass #southwest #creditcards #southwestpoints #travelcreditcards #southwestcreditcards #bestsouthwestcreditcards #southwestprioritycard #southwestperformancebusiness #creditcard #creditcardunboxing #unboxingcreditcard #unboxingsouthwestpriority #southwestpriority #southwestprioritycreditcard" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7461318721957580078) 2025-01-18T18:07Z [----] followers, [----] engagements "Revealing My WORST Credit Card Mistakes ❌ To hear all of this information and more be sure to watch the full-length video associated with this clip (YouTube: Spencer Johnson) 📷 #creditcard #creditcardmistakes #creditcardmistakestoavoid #creditcardsforbeginners #creditcardtips #beginnercreditcardmistakes #creditcardbeginnermistakes #commoncreditcardmistakes #creditcardregrets #worstcreditcards #bestcreditcards #creditcards #creditcardstrategy #mistakeswithyourcreditcard #howtousecreditcardstherightway #amexgold #biltmastercard #marriottbonvoyboundless #usbankaltitudereserve" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7449575006893395246) 2024-12-18T02:35Z [----] followers, [----] engagements "My UNEXPECTED Credit Card Roadmap For [----] 🚀 To hear all of this information and more be sure to watch the full-length video associated with this clip (YouTube: Spencer Johnson) 📷 #creditcards #creditcard #bestcreditcards #creditcardsforbeginners #creditcardroadmap #creditcardstrategy #creditcardplan #whatcreditcardstoapplyfornext #bestcreditcardsetup #bestcreditcardstrategy #bestcreditcards2024 #bestcreditcards2025 #southwestpriority #hyattbusinesscard #hyattcard #amexbusinessplatinum #americanexpressbusinessplatinum #marriottbonvoybusiness #marriottbusiness #chasecreditcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7447664135229263147) 2024-12-12T23:00Z [----] followers, [----] engagements "The WORST Credit Cards ❌ To hear all of this information and more be sure to watch the full-length video associated with this clip (YouTube: Spencer Johnson) 📷 #worstcreditcards #creditcards #creditcard #worstcreditcardsever #creditcardsforbeginners #worstcreditcardever #bestcreditcards #creditone #creditoneplatinum #disneypremiervisa #cruiselinecreditcards #amexbusinessgreen #openskylaunchsecured #sparrowrewardsmastercard #luxurycard #luxuryblackcard #luxurygoldcard #indigomastercard #milestoneearnivamastercard #destinymastercard #firstpremierbankcard #firstpremier #worstcard #worstcards" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7445097413477518638) 2024-12-06T01:00Z [----] followers, [----] engagements "The ONLY [--] Credit Cards You Need In [----] 👀 To hear all of this information and more be sure to watch the full-length video associated with this clip 📷 #chase #amex #creditcards #creditcard #besttravelcreditcards #travelcreditcards #chasecreditcards #amexcreditcards #capitalone #bilt #citi #bestcreditcards #creditcardstrategy #bestcreditcardstrategy #topcreditcards #bestcreditcardsetup #bestcashbackcreditcards #cashbackcreditcards #creditcardsetup #capitalonecreditcards #citicreditcards #usbank #usbankcreditcards #bankofamerica #bankofamericacreditcards #5creditcardsetup #credit" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7441788165708500270) 2024-11-27T02:58Z [----] followers, [----] engagements "UNBOXING Southwest Performance Business 👀 To hear all of this information and more be sure to watch the full-length video associated with this clip (YouTube: Spencer Johnson) 🎥 #southwestcompanionpass #southwestairlines #howtogetsouthwestcompanionpass #southwestrapidrewards #companionpass #southwest #creditcards #southwestpoints #travelcreditcards #southwestcreditcards #bestsouthwestcreditcards #southwestprioritycard #southwestperformancebusinesscard #performancebusiness #southwestbusinesscard #creditcard #unboxingsouthwestperformancebusiness #creditcardunboxing #unboxingcreditcard" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7440242506471689514) 2024-11-22T23:00Z [----] followers, [---] engagements "Watch Me Apply For a Southwest Business Card 👀 To hear all of this information and more be sure to watch the full-length video associated with this clip (YouTube: Spencer Johnson) 📷 #southwestcompanionpass #southwestairlines #howtogetsouthwestcompanionpass #southwestrapidrewards #companionpass #southwest #creditcards #southwestpoints #travelcreditcards #southwestcreditcards #bestsouthwestcreditcards #southwestprioritycard #southwestperformancebusinesscard #performancebusiness #southwestbusinesscard #southwestperformancebusinesswatchmeapply #watchmeapply #creditcardapplication #creditcard" [TikTok Link](https://www.tiktok.com/@spencerjohnsonofficial/video/7439129065313013038) 2024-11-19T23:00Z [----] followers, [----] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@spencerjohnsonofficial Spencer Johnson
Spencer Johnson posts on TikTok about credit cards, unboxing, this is, credit the most. They currently have [-----] followers and [--] posts still getting attention that total [------] engagements in the last [--] hours.
Engagements: [------] #
- [--] Week [------] +3.10%
- [--] Month [-------] +28%
- [--] Months [-------] +580%
- [--] Year [-------] +104%
Mentions: [--] #
- [--] Week [--] -10%
- [--] Month [--] +15%
- [--] Months [--] -17%
- [--] Year [--] +6.70%
Followers: [-----] #
- [--] Week [-----] +0.57%
- [--] Month [-----] +2.80%
- [--] Months [-----] +13%
- [--] Year [-----] +23%
CreatorRank: [-------] #
Social Influence
Social category influence finance social networks technology brands stocks countries luxury brands
Social topic influence credit cards #89, unboxing #1668, this is, credit, youtube, cards, johnson #1321, travel, the most, design
Top accounts mentioned or mentioned by @ben @thecreditshifu
Top assets mentioned Mastercard, Inc. (MA) Marriott International Inc (MAR) Flex Ltd. Ordinary Shares (FLEX) Bank of America (BAC)
Top Social Posts
Top posts by engagements in the last [--] hours
"UNBOXING The Chase Debit Card 💳👀 This is the unboxing of the Chase Debit card. The card itself has a really nice blue color to it both on the front and the back in classic Chase-like fashion. Even though I'll always be using a credit card over a debit card I wanted to share this unboxing experience with you as I know many people use checking accounts from Chase for their daily money management. Link in bio (YouTube: Spencer Johnson) 🎥 #debitcard #chase #chasebank #chasedebitcard #chasecheckingaccount #chasesavingsaccount #debitcardunboxing #unboxing #chasedebitcardunboxing #bestcreditcards"
TikTok Link 2023-05-13T16:59Z [----] followers, 554K engagements
"Chase Freedom Flex vs. Unlimited 🥇💳 #chasefreedomflex #chasefreedomunlimited #chasecreditcards #creditcard #credit"
TikTok Link 2022-12-05T22:00Z [----] followers, 40.3K engagements
"ONLY Business Credit Card You Need 💸💳 The Amex Blue Business Plus is the ONLY business credit card you'll ever need The fact that this card earns 2x Amex Membership Rewards points back on every purchase is HUGE. That makes this card the perfect catch-all credit card for your business purchases and the points you earn on it can be combined with all of your other Amex MR points which you can transfer out to travel partners and get 2+ cents/point. Then you can enjoy traveling the world for free #amexbluebusinessplus #amex #americanexpress #amexbusiness #creditcard #credit #PersonalFinance"
TikTok Link 2022-12-12T22:08Z [----] followers, [----] engagements
"How to Plan Your Credit Card Roadmap 💳🗺 This is the specific series of questions you should ask yourself to help you determine what credit cards you should get next for your setup. This list I curated from a lot of experience I have recommending credit cards to people over the recent past and I think it will really help y'all analyze your own strategy. Through this decision-making process you can start to plan out your own credit card roadmap too. Full video linked in bio 🎥 #creditcards #creditcardroadmap #creditcardstrategy #creditcardplan #bestcreditcards #creditcardsetup #credit"
TikTok Link 2022-12-30T23:12Z [----] followers, [----] engagements
"What's In My Wallet (Best [--] Card Setup) 💳💪 Full video linked in bio 🎥 💥 I currently have [--] credit cards that I use on a daily basis. Those [--] cards being the OG Chase Freedom Chase Freedom Unlimited Chase Sapphire Preferred Citi Custom Cash Amex Gold and Amex Blue Business Plus. My strategy for the credit card game is to first start out with Chase credit cards build out your Chase trifecta and then move into other lenders. For me I built my Chase trifecta after starting with the Chase Freedom Student then moved to the Citi Custom Cash to supplement my gas station spend. Then I got the Amex"
TikTok Link 2023-01-04T22:08Z [----] followers, 69.1K engagements
"Travel vs. Cash Back Credit Cards ✈💵 In the credit card game there are [--] teams you can be on. team cash back and team travel. If you are on team travel you likely prefer to earn transferrable currencies that can be transferred out to travel partners to get the highest redemption value possible. If you're on team cash back you probably prefer simplicity and ease of redeeming your points. Neither way is correct but everyone's strategy is slightly different. My question to you is. why not a little bit of both Related video linked in bio (YouTube: Spencer Johnson) 🎥 #creditcards"
TikTok Link 2023-01-30T22:51Z [----] followers, [----] engagements
"Why I Have 10+ Debit Cards and NEVER Use Them ❌💳 While some people think cash is king and that using a debit card is the best way to spend your money that is not the case for everyone Credit cards offer many more perks and benefits than debit cards if you use them responsibly. There are [--] main reasons I use credit cards over debit cards. they are more protective of your personal assets give you rewards for your everyday spending and help to build your credit score which is a necessity in the US these days. Related video linked in bio (YouTube: Spencer Johnson) 🎥 #creditcards #debitcards"
TikTok Link 2023-02-01T22:48Z [----] followers, 16.8K engagements
"What's In My Wallet (2023 UPDATE) 💳🤔 Everyone's credit card setup will be slightly different but I am confident that the [--] cards I mentioned here complement my overall credit card strategy very well. I am someone who prefers to earn transferrable currencies that can be used to help me travel the world for free. This setup may not be the best for you particularly if you are on team cash back but if you're on team travel I would highly consider these cards The [--] credit cards I have in my wallet for Q1 of [----] are the Chase Ink Cash Amex Gold Citi Custom Cash Chase Freedom Unlimited Amex Blue"
TikTok Link 2023-02-07T00:14Z [----] followers, 18.5K engagements
"Top [--] Credit Cards of [----] 💳🥇 Let's talk about my picks for the top [--] credit cards of [----]. These cards each come with their respective high-earning rates benefits credits and other perks which help to make them stand out as the best credit cards in [----] (in my opinion). There are plenty of other cards out there that may be better for your personal situation but I predict that across the whole credit card market there will be a high velocity of applications for each of these cards this year. The cards I discuss in this video are the Bilt Mastercard Citi Custom Cash Chase Freedom Flex &"
TikTok Link 2023-02-09T02:38Z [----] followers, 15.3K engagements
"MASSIVE 500k Credit Card Point Redemption (w/ Ben Hedges) 💳✈ Ben Hedges (aka @thecreditshifu) has made a ton of credit card point redemptions since he started his credit card journey but what is his largest one you may ask This 500000-point redemption takes the cake. This redemption shows exactly how the credit card game can be so profitable. Being able to fly to multiple foreign countries and stay in 5-star resorts all for free with credit card points/credits is pretty amazing And the best part about it You can do it too #creditcardpoints #creditcards #luxurytravel #bestcreditcards"
TikTok Link 2023-04-29T17:12Z [----] followers, [----] engagements
"The ONLY [--] Credit Cards You Need (w/ Ben Hedges) 💳💸 @Ben Hedges - AKA Credit Shifu has been in the credit card game for a number of years at this point and has gained experience with many credit cards in that time but if he could only have two credit cards from here on out what would those be Well the Amex Gold and Amex Platinum would be those cards. These cards provide a ton of value on one of the highest spending categories most of us have (food) while the other grants the ability to travel the world in the kind of luxury that almost every credit card doesnt allow. If youve been wondering"
TikTok Link 2023-05-06T21:02Z [----] followers, 35.1K engagements
"Is The Bilt Card Overrated 💳🤔 It's a common misconception that every YouTube video posted about the Bilt Mastercard is sponsored. As Daniel Braun and I discuss here in our Creator Conversations episode the Bilt Mastercard is very popular for good reason. The fact that you can now earn credit card points on your rent purchases with no annual fee makes it a no-brainer for a lot of folks out there. Plus you're able to transfer those points to some of the best transfer partners in the game which is incredible. In my opinion this card deserves all the (unsponsored) hype it's gotten. what do you"
TikTok Link 2023-07-02T00:03Z [----] followers, [----] engagements
"Is The Chase Sapphire Reserve Underrated 🤔 Everyone in the credit card game has different preferences for what cards they like depending on if they are on team travel team cash back etc. However even amongst those teams people have more specific preferences especially when it comes to how they travel. As I discuss here with Daniel Braun in our Creator Conversations episode in my opinion the Chase Sapphire Reserve is the best domestic economy travel card on the market but it is severely underrated. The reason I say that is because the fact alone that you get a 50% boost on your Chase UR"
TikTok Link 2023-07-08T21:36Z [----] followers, 61.8K engagements
"The YouTube Credit Card Community Is. (w/ Chase Yokoyama) As credit card YouTubers we do our absolute best to provide the most relevant and researched information we can but sometimes we make mistakes. Luckily we're part of a much bigger community who are even more knowledgeable than us in some cases and it's a true blessing to have the support of such an educated group. Thank y'all for all of your contributions in making this community a better place Full video linked in bio (YouTube: Spencer Johnson) 🎥 #creditcardyoutube #creditcardcommunity #thecreditcommunity #bestcreditcards"
TikTok Link 2024-01-12T00:00Z [----] followers, [----] engagements
"Why Are Amex Credit Cards So Popular (w/ Luke's Points and Miles) American Express is one if not the most well-known credit card lenders in existence but why is that As Luke discusses here it comes down to a couple of main things. For one their marketing is top notch and they make themselves known as a more luxury brand. Secondly they've nailed the customer service and make you feel important if you have their cards. There are many more reasons than these alone but these play a large factor for sure. Full video linked in bio (YouTube: Spencer Johnson) 🎥 #amexcreditcards #americanexpress"
TikTok Link 2024-02-06T00:00Z [----] followers, [----] engagements
"Is RJ Financial Against Travel Credit Cards (w/ RJ Financial) There's a constant dichotomy between those who love cashback credit cards and those who love travel credit cards. RJ Financial is a self-proclaimed cashback credit card lover but as he explains here he's not against travel credit cards either. He's even been on team travel before but leans more towards team cashback these days for reasons stated in this video. Full video linked in bio (YouTube: Spencer Johnson) 🎥 #rjfinancial #teamtravel #teamcashback #creditcards #bestcreditcards #bestcreditcards2023 #topcreditcards2024"
TikTok Link 2024-02-14T00:00Z [----] followers, [---] engagements
"Is The Amex Green Card Worth It (w/ RJ Financial) The Amex Green card is a card that people like to argue about a lot. At a glance it seems like a decently powerful travel card that can give you positive value every year (specifically with its Clear credit) but then again the Platinum card generally seems to be a much better option leaving the Green card in an interesting position. What are your thoughts on it Full video linked in bio (YouTube: Spencer Johnson) 🎥 #amexgreen #amexplatinum #amexcreditcards #creditcards #bestcreditcards #bestcreditcards2023 #topcreditcards2024 #creditcardpoints"
TikTok Link 2024-02-25T00:00Z [----] followers, 27.1K engagements
"Are The Amex Platinum Credits Worth It (w/ Ben Hedges) The Amex Platinum is stacked with credits and benefits to the point where they advertise that it will give you $1500+ in value every year. However if you wouldn't have naturally used those credits and benefits before getting it then you're actually spending more money than if you weren't to have gotten the card. As Ben mentions here for the right person who travels very frequently (especially to Vegas) the Platinum card can be game-changing but it isn't for everyone. Full video linked in bio (YouTube: Spencer Johnson) 🎥 #amexplatinum"
TikTok Link 2024-03-11T23:00Z [----] followers, [----] engagements
"Ben's Next Steps After YouTube (w/ Ben Hedges) Having a career on YouTube is something very new to us and based on what we've seen from other creators so far the lifespan of a channel is relatively short (5-10 years). So this begs the question of what to do after your career on YouTube is over. With this thought in mind I asked Ben what he sees himself doing in the future and his answer was to invest in and build his own short-term rentals and maybe even a hotel one day. We've seen him start on this journey with his Minnewaska Cabin project in [----] and I'm excited to see what else he has"
TikTok Link 2024-03-16T23:00Z [----] followers, [---] engagements
"Amex Gold + Venture X Duo (w/ Kevin Yang) The Amex Gold and Venture X are a duo that has gained popularity over the last couple of years. While the most logical pairing with the Venture X would be the Savor One a lot of us get the Amex Gold card before the Venture X and would rather use that for all of our dining and grocery store purchases instead. This is a duo I personally use very frequently and have found a lot of value in but what do you think Full video linked in bio (YouTube: Spencer Johnson) 🎥 #amexgold #venturex #creditcardsetup #kevinyang #creditcards #bestcreditcards"
TikTok Link 2024-03-26T23:00Z [----] followers, 14.4K engagements
"Why Cent Per Point Values Don't Matter (w/ Anthony Venture) To me my points are supposed to help me take trips I may not have ever taken if I had to book in cash. While I COULD pay for them in cash utilizing points to help me make those memories with much less impact on my wallet really helps in the long run. A lot of folks obsess over their cent per point values when redeeming their points but to me as long as I get a redemption above my base expected value that's a win in my books. Full video linked in bio (YouTube: Spencer Johnson) 🎥 #centperpoint #pointredemptions #anthonyventure"
TikTok Link 2024-04-26T23:00Z [----] followers, [---] engagements
"Amex Is Not Your Friend (w/ Anthony Venture) In the past year or so Amex has made some objectively negative changes to their entire credit card lineup. From adding family language to lock us out of welcome offers increasing minimum spending requirements increasing annual fees putting us in pop-up jail etc. Amex has started to put a bad taste in a lot of our mouths (including myself). In the past Amex fanboys have always defended them as if Amex was the one bank that had your best interests in mind but we've seen the tide change this past year. How do you feel about them today Full video"
TikTok Link 2024-05-10T23:00Z [----] followers, 10.4K engagements
"How Many Credit Cards Should You Have (Stage 2) 💸 In this video I answer the questions How many credit cards should you have and "How many credit cards are too many". These are two of the most frequently asked questions about credit cards and in this video I hope to help you understand how many credit cards you should have depending on what stage of your credit card journey you're in. There's really no "one-size-fits-all" answer to this question but depending on what stage you fall into this video should give you guidance to answer that question for yourself. For example I have [--] credit"
TikTok Link 2024-08-24T22:00Z [----] followers, [---] engagements
"How Many Credit Cards Should You Have (Stage 4) 💳 In this video I answer the questions How many credit cards should you have and "How many credit cards are too many". These are two of the most frequently asked questions about credit cards and in this video I hope to help you understand how many credit cards you should have depending on what stage of your credit card journey you're in. There's really no "one-size-fits-all" answer to this question but depending on what stage you fall into this video should give you guidance to answer that question for yourself. For example I have [--] credit"
TikTok Link 2024-09-07T22:00Z [----] followers, [----] engagements
"UNBOXING The Chase Sapphire Reserve 👀 This is the unboxing of the Chase Sapphire Reserve one of the most premium travel credit cards on the market. If youre serious about maximizing travel rewards and perks the Sapphire Reserve is packed with value: from 3x points on travel and dining to access to Chase Sapphire lounges Priority Pass lounges a $300 annual travel credit and more. The sleek metal design in black blue and silver gives it a really elevated feel but Im curious what do you think of it Be sure to watch the full-length video associated with this clip 📷 #chasesapphirereserve"
TikTok Link 2025-05-08T21:12Z [----] followers, 29.1K engagements
"UNBOXING The OG Chase Freedom 👀 This is the unboxing of the OG Chase Freedom Credit Card one of the only cards still earning 5% back in rotating categories without an annual fee. I mainly keep it for the easy 5x points each quarter on things like gas groceries and online shopping which makes it one of the best no-AF cards ever made. This new version replaced my old raised-number design with a cleaner flat finish a subtle green accent and that signature Chase blue. Still simple still effective. What do you think of the design Be sure to watch the full-length video associated with this clip 📷"
TikTok Link 2025-07-10T22:10Z [----] followers, [----] engagements
"ONLY [--] Credit Cards You'll EVER Need 💸🌴 The best credit card setup for free travel includes the Chase Freedom Flex Chase Freedom Unlimited Chase Sapphire Preferred Amex Gold and Amex Platinum. With this combination of credit cards you will accumulate a ton of Chase Ultimate Rewards points and Amex Membership Rewards points that can provide you 10+ cents/point in value when transferred to travel partners (if you use them correctly). The possibilities of this setup are endless on the travel side of the credit card game #creditcardsetup #bestcreditcards #creditcardstrategy #chasefreedomflex"
TikTok Link 2022-12-21T22:29Z [----] followers, 54K engagements
"UNBOXING The Amex Business Debit Card 👀💳 This is the unboxing of the American Express Business Checking Account debit card. Generally I don't care to look at the packaging of my cards too much but Amex put some really nice attention to detail on this one. The card itself has a really nice white color to it both on the front and the back. On top of that the front of the card is vertical in design like some of Amex's other cards lately. Even though I'll always be using a credit card over a debit card I wanted to share this unboxing experience with you as I know this new(ish) Amex Business"
TikTok Link 2023-06-10T22:04Z [--] followers, 188.4K engagements
"Chase vs. Amex Credit Cards: Who Wins 🏆 The age-old debate in the credit card game is whether or not Chase or Amex have the best credit cards. As I discuss here with Daniel Braun in our Creator Conversations episode we both agree that Chase's credit cards are the number one credit cards in our books mainly because of their ease of use point-earning potential and flexibility. While Amex's credit cards are super valuable to the right people they aren't for the masses. what do you think Link in bio (YouTube: Spencer Johnson) 🎥 #chase #amex #chasevsamex #chasecreditcards #amexcreditcards"
TikTok Link 2023-07-15T17:23Z [----] followers, 77.2K engagements
"Why You NEED Business Credit Cards 💳 Business credit cards are arguably one of the most powerful tools in the entire credit card game. From higher welcome offers to helpful earning categories not covered by your personal cards I'd be willing to bet you can get a lot of value from them. As I discuss here with Ben Hedges (@Ben Hedges - AKA Credit Shifu) in our Creator Conversations episode we both agree that business credit cards are a tool that more people should be utilizing especially due to the fact that they're accessible to anyone even if you don't have an official business. What do you"
TikTok Link 2023-07-22T17:26Z [--] followers, [----] engagements
"Why Daniel Started His YouTube Channel (w/ Daniel Braun) Daniel and I have a very similar beginning to our YouTube careers especially as it comes to our obsession with YouTube long before we started uploading. The possibilities these days are truly endless with this platform and we're blessed to be able to create on it full time. Have you ever considered starting a channel of your own Full video linked in bio (YouTube: Spencer Johnson) 🎥 #danielbraun #youtubestrategy #creditcards #bestcreditcards #bestcreditcards2023 #topcreditcards2024 #creditcardpoints #creditcardrewards #creditcardpoints"
TikTok Link 2024-02-29T00:00Z [----] followers, [----] engagements
"The Only [--] Credit Cards You Need (w/ Ben Hedges) With so many credit cards out there to choose from it can be hard to select the most optimal ones for you. Knowing this I asked Ben what credit cards he would use if he could only have two and he answered with the Amex Platinum and Amex Gold cards. The Amex Gold is an absolute workhorse card while the Amex Platinum gives you some of the best benefits in the game so that is a very justifiable answer but what would YOU go with Full video linked in bio (YouTube: Spencer Johnson) 🎥 #amexplatinum #amexgold #amexduo #benhedges #creditshifu"
TikTok Link 2024-03-13T23:00Z [----] followers, 19.4K engagements
"The Bilt Mastercard Secret Welcome Offer (w/ Stan The Credit Frog) The Bilt Mastercard is one of the most popular credit cards on the market right now despite the fact that it has no welcome offer on it. Or does it There's a "secret" welcome offer on the Bilt Mastercard of getting 5x back on all of your non-rent purchases for the first [--] days of having it for those that are targeted for the offer (which seems to be most people). Be sure to check your email and texts for this offer Full video linked in bio (YouTube: Spencer Johnson) 🎥 #biltmastercard #biltrewards #welcomeoffer"
TikTok Link 2024-03-22T23:00Z [--] followers, [----] engagements
"5% Cashback vs. 3x Points/Miles (w/ Joshua Butler) For many folks a hybrid credit card setup composed of both cashback and travel credit cards is the most optimal approach. But how do you decide which currency you want to earn in A common debate out there is whether or not 5% cashback is better than 3x points and miles considering points and miles are generally valued at double cashback rates. What would you choose Full video linked in bio (YouTube: Spencer Johnson) 🎥 #pointsandmiles #cashback #freetravel #joshuabutler #creditcards #bestcreditcards #bestcreditcards2024 #topcreditcards2024"
TikTok Link 2024-04-25T23:01Z [----] followers, 15.1K engagements
"Balancing A Hybrid Credit Card Setup (w/ Joshua Butler) For many folks a hybrid credit card setup composed of both cashback and travel credit cards is the most optimal approach. But how do you decide which purchases go on what cards As Josh discusses here these days he mainly only uses his cashback credit cards for his utility bills gym membership and gas purchases but most of his other purchases go on his travel cards. How do you use your hybrid credit card setup Full video linked in bio (YouTube: Spencer Johnson) 🎥 #joshuabutler #hybridcreditcardsetup #creditcards #bestcreditcards"
TikTok Link 2024-04-30T23:00Z [----] followers, [----] engagements
"Credit Union Credit Cards Are Better Than You Think (w/ Joshua Butler) One of the most slept-on types of credit cards on the credit card market are credit union credit cards. There are so many to choose from and a lot of the time they'll give some seriously competitive rewards on some of your highest eligible spend categories making them very viable for your daily setup especially if you're on team cashback. What are some of your favorite credit union credit cards Full video linked in bio (YouTube: Spencer Johnson) 🎥 #crediunioncreditcards #creditunion #creditcards #bestgascreditcards"
TikTok Link 2024-05-09T17:00Z [----] followers, [----] engagements
"How I Justify $2133 In Annual Fees 💳 In this video I explain exactly how Im managing my annual fees on my existing credit cards as well as the credit cards I have on my roadmap to add to my setup in the year. In doing so I discuss when and why Id choose to cancel a credit card and also explain how I can justify the annual fee on even the most expensive credit cards. I am currently holding [--] credit cards with annual fees on them the Chase Sapphire Reserve ($550) Capital One Venture X ($395) Amex Business Gold ($375) Marriott Bonvoy Boundless ($95) and Citi Strata Premier ($95). In total I'm"
TikTok Link 2024-08-15T22:00Z [----] followers, [----] engagements
"Best Cashback Credit Cards Pt.3 (Special Cards) 💰 In this video I analyze all of the best no-annual-fee cashback credit cards on the market from the major banks (Chase Amex Capital One Citi Wells Fargo US Bank Bank of America and Discover) on top of some issuers you've maybe never heard of including store credit cards and credit union credit cards. These [--] credit cards are broken down into [--] main sections the Everyday Cards Pick Your Own Category Cards Rotating Category Cards Catch-All Cards Store Cards and Credit Union Cards. Not only do I review the benefits of each of these credit cards"
TikTok Link 2024-10-01T00:00Z [--] followers, [---] engagements
"UNBOXING The Ritz-Carlton Card 👀 This is the unboxing of the Ritz-Carlton Credit Card one of the more exclusive travel cards you can get. While you cant apply for it anymore you can still upgrade to it from a lower-tier Chase Marriott card which is exactly what I did. Beyond its luxury perks from a $300 annual travel credit to Priority Pass/Sapphire lounge access Marriott Bonvoy Gold Elite status and an 85k-point free night certificate the real standout is the design: a sleek gloss black finish with the Ritz-Carlton lion logo in silver. Honestly it might be my favorite card design Ive ever"
TikTok Link 2025-08-15T21:14Z [----] followers, 33.8K engagements
"UNBOXING The Cash App Debit Card 👀 This is the unboxing of the Cash App Debit Card. The coolest part about this card is that you get to design it however you want. For mine I added clouds and stars to match the style of my YouTube channel banner but every Cash App card is unique which makes it pretty fun. Ive never used this nor do I plan to but its good to have in the backup wallet. How would you design yours Be sure to watch the full-length video associated with this clip 📷 #cashapp #cashappcard #cashappdebitcard #cashappaccount #cashappreview"
TikTok Link 2025-10-17T21:04Z [----] followers, 38.3K engagements
"Russia and China and the world leaders thy said trump he didn't respect international law . Nicholas Madura he was sending drugs and criminal to America U S. Warren Venezuela leader but he didn't listen Russia and China and the world leaders thy said trump he didn't respect international law . Nicholas Madura he was sending drugs and criminal to America U S. Warren Venezuela leader but he didn't listen Russia and China and the world leaders thy said trump he didn't respect international law . Nicholas Madura he was sending drugs and criminal to America U S. Warren Venezuela leader but he"
TikTok Link 2026-01-04T19:56Z [--] followers, [---] engagements
"NEW Bilt [---] Credit Cards: First Look 👀 Here is your exclusive first look at the brand-new Bilt [---] credit card designs including the $0 Bilt Blue Card $95 Bilt Obsidian Card and $495 Bilt Palladium Card. If you want my full breakdown on how each of these works and whether any of them actually fit into your credit card setup and overall strategy check out the full video on my YouTube channel. #biltcreditcards #newcreditcards #bestcreditcards #creditcardnews #creditcards"
TikTok Link 2026-01-14T22:10Z [----] followers, [----] engagements
"BEST Luxury Travel Credit Card ✈🌍 The Capital One Venture X may very well be the BEST luxury travel credit card on the market. Even though it has a $395 annual fee the credits and benefits that come with it will allow you to EASILY get positive value from it every year. In fact even if you just use this card normally you'll be paid $5 a year to hold this card. It's definitely a card you should look into #capitaloneventurex #venturex #capitalone #travelcreditcards #creditcard #credit #personalfinance"
TikTok Link 2022-12-14T22:43Z [----] followers, [----] engagements
"The #1 Credit Card of [----] 💳🏆 The best credit card of [----] is the Bilt Mastercard (in my opinion). This credit card is the only credit card on the market that allows you to earn rewards for all of your rent purchases. On top of that it has other elevated earning categories that are doubled on the first of every month its a black metal credit card and it has no annual fee. Furthermore the travel partners that you can redeem your Bilt points with are some of the most valuable in the credit card game. All of these reasons (and more) go to show why the Bilt Mastercard is at the top of my list"
TikTok Link 2023-04-17T21:16Z [----] followers, 12.3K engagements
"UNBOXING The Priority Pass Card 👀💳 This is the unboxing of the Priority Pass Select membership card. The card itself has a really sleek black and gold colorway to it. I received this card because of my free Priority Pass Select membership through my Capital One Venture X but there are many cards that will give you the same access (Amex Gold Chase Sapphire Reserve etc.). For those of you who havent seen the physical Priority Pass card yet this ones for you. Link in bio (YouTube: Spencer Johnson) 🎥 #prioritypass #prioritypassselect #prioritypasscard #prioritypasslounge #airportlounge"
TikTok Link 2023-05-27T20:06Z [--] followers, 54K engagements
"UNBOXING The UFCU Debit Card 💳👀 This is the unboxing of the University Federal Credit Union debit card. This credit union is local to the Austin Texas area and I opened up a checking account with them when I got my car loan from them a while back. The card design itself is not my favorite and the card is really flimsy but hey an unboxing is an unboxing Link in bio (YouTube: Spencer Johnson) 🎥 #bestcheckingaccount #bestbankaccount #unboxing #unboxingcreditcard #unboxingdebitcard #debitcard #ufcudebitcard #creditunioncards #universityfederalcreditunion #ufcudebitcardunboxing #bestcreditcards"
TikTok Link 2023-06-03T22:49Z [----] followers, 14.2K engagements
"The Most Underrated Credit Card Duo (w/ Daniel Braun) 💳 There are a lot of credits that are hyped up as the best credit cards on the market but there always seems to be one credit card lender that's overlooked. As Daniel Braun mentioned here in our Creator Conversations episode the Capital One Duo is one of the most underrated credit card setups in the game. The Capital One Venture X provides a ton of value when it comes to travel and miscellaneous purchases while the Savor One covers most of your highest spend categories at 3x back. While this setup isn't for everyone it could be one to"
TikTok Link 2023-06-18T00:38Z [----] followers, 154.2K engagements
"UNBOXING The Ally Debit Card 👀 This is the unboxing of the Ally Debit Card which comes with their Ally Bank Spending Account that has no monthly maintenance fees and reimburses all U.S. ATM fees. I originally opened it because Ally is one of the best-known online banks but its since become one of my favorite backup accounts especially their high-yield savings account. The card itself has a sleek purple design with bold Ally branding. I dont actually use the card at all but the online banking experience its tied to is one of the smoothest Ive used. What do you think of the design Be sure to"
TikTok Link 2025-09-12T19:35Z [----] followers, [----] engagements
"UNBOXING The Citizens Summit Reserve 👀 This is the unboxing of the Citizens Summit Reserve card and at a high level its positioned as a premium cash back option. It earns 3% unlimited cash back on dining groceries and entertainment (including streaming services) and 1.5% back on everything else along with over $500 in premium travel benefits and exclusive experiences. The card itself looks and feels high-end with a clean finish subtle texture and a unique cut-out detail on the bottom right that makes it stand out from most metal cards. What do you think about it #creditcardunboxing"
TikTok Link 2026-01-10T16:02Z [----] followers, [----] engagements
"UNBOXING The Chase Ink Premier 👀 This is the unboxing of the Chase Ink Premier Credit Card. Its the only Ink card that earns straight cashback and doesnt earn Ultimate Rewards points. I mainly grabbed it for the high 2.5% earning rate on purchases over $5000 plus the $1000 welcome offer which both came in handy for my tax payments. The card is all metal has a clean premium design and feels surprisingly heavy in-hand. honestly one of the best builds Ive seen. What do you think of the look Be sure to watch the full-length video associated with this clip 📷 #chaseinkpremier #inkpremierunboxing"
TikTok Link 2025-07-03T21:17Z [----] followers, [----] engagements
"Most FLEXIBLE Credit Card 💰💳 The Citi Custom cash is the most flexible credit card on the credit card market in my opinion. This card will get you 5x back on your highest eligible spend category every month (up to $500 spend/month). The categories it can earn 5x in are very broad including restaurants travel grocery stores etc. If you want 5x back on a category of your choosing you NEED this credit card #citicustomcash #citicreditcards #citi #bestcreditcards #creditcard #credit #personalfinance"
TikTok Link 2022-12-07T22:00Z [----] followers, 31.7K engagements
"How Many Credit Cards Should You Have (Stage 1) 🚀 In this video I answer the questions How many credit cards should you have and "How many credit cards are too many". These are two of the most frequently asked questions about credit cards and in this video I hope to help you understand how many credit cards you should have depending on what stage of your credit card journey you're in. There's really no "one-size-fits-all" answer to this question but depending on what stage you fall into this video should give you guidance to answer that question for yourself. For example I have [--] credit"
TikTok Link 2024-08-20T22:00Z [----] followers, [----] engagements
"UNBOXING The Novo Debit Card 💳👀 This is the unboxing of the Novo Business Checking Account Debit card. The card itself has a really nice sleek black color to it both on the front and the back along with some blue lining along the edges. Even though I'll always be using a credit card over a debit card I wanted to share this unboxing experience with you as Novo's Business Checking Account has gotten a lot more popular in the last couple of years. Link in bio (YouTube: Spencer Johnson) 🎥 #novo #novodebitcard #unboxing #debitcard #debitcardunboxing #unboxing #novodebitcardunboxing"
TikTok Link 2023-05-20T16:49Z [----] followers, 10.2K engagements
"UNBOXING The SoFi Debit Card 👀 This is the unboxing of the SoFi Debit Card which comes with their checking and savings accounts offering up to 4.60% APY and no monthly fees. I originally grabbed it for the welcome offer but these accounts have since become my go-to for everyday banking. The card itself has a minimal white-and-blue design with subtle branding. I dont actually use the card but the high-earning accounts its tied to are my daily drivers. What do you think of the design Be sure to watch the full-length video associated with this clip 📷 #sofi #sofidebitcard #soficheckingaccount"
TikTok Link 2025-07-25T21:22Z [----] followers, 22.8K engagements
"UNBOXING The Chase Sapphire Reserve 👀 This is the unboxing of the new $795 Chase Sapphire Reserve one of the most premium travel credit cards on the market. If youre serious about maximizing travel rewards and perks the Sapphire Reserve is packed with value: from 4x on hotels and flights 3x on dining to access to Chase Sapphire lounges Priority Pass lounges $500 worth of Edit hotel credits $300 worth of dining credits $300 worth of travel credits and more. The sleek metal design in black blue and silver gives it a really elevated feel but Im curious what do you think of it Be sure to watch"
TikTok Link 2026-01-31T16:45Z [----] followers, [----] engagements
"UNBOXING The Bilt Palladium (Mirror) 👀 This is the unboxing of the new $495 Bilt Palladium Bilts most premium credit card so far and a noticeable shift for the Bilt lineup. The focus of this card is still centered around earning 2x Bilt Rewards points on everyday spend plus 4% Bilt Cash or up to 1.25x on rent or mortgage depending on which option you choose. It also adds some travel-focused benefits like up to $400 in Bilt Travel hotel credits Priority Pass lounge access and a few other premium features compared to the previous Bilt Mastercard. The limited-edition physical card itself is a"
TikTok Link 2026-02-07T14:05Z [----] followers, [----] engagements
"UNBOXING The Bilt Palladium (Mirror) 👀 This is the unboxing of the new $495 Bilt Palladium Bilts most premium credit card so far and a noticeable shift for the Bilt lineup. The focus of this card is still centered around earning 2x Bilt Rewards points on everyday spend plus 4% Bilt Cash or up to 1.25x on rent or mortgage depending on which option you choose. It also adds some travel-focused benefits like up to $400 in Bilt Travel hotel credits Priority Pass lounge access and a few other premium features compared to the previous Bilt Mastercard. The limited-edition physical card itself is a"
TikTok Link 2026-02-07T14:05Z [----] followers, [----] engagements
"UNBOXING The Chase Sapphire Reserve 👀 This is the unboxing of the new $795 Chase Sapphire Reserve one of the most premium travel credit cards on the market. If youre serious about maximizing travel rewards and perks the Sapphire Reserve is packed with value: from 4x on hotels and flights 3x on dining to access to Chase Sapphire lounges Priority Pass lounges $500 worth of Edit hotel credits $300 worth of dining credits $300 worth of travel credits and more. The sleek metal design in black blue and silver gives it a really elevated feel but Im curious what do you think of it Be sure to watch"
TikTok Link 2026-01-31T16:45Z [----] followers, [----] engagements
"NEW Bilt [---] Credit Cards: First Look 👀 Here is your exclusive first look at the brand-new Bilt [---] credit card designs including the $0 Bilt Blue Card $95 Bilt Obsidian Card and $495 Bilt Palladium Card. If you want my full breakdown on how each of these works and whether any of them actually fit into your credit card setup and overall strategy check out the full video on my YouTube channel. #biltcreditcards #newcreditcards #bestcreditcards #creditcardnews #creditcards"
TikTok Link 2026-01-14T22:10Z [----] followers, [----] engagements
"UNBOXING The Citizens Summit Reserve 👀 This is the unboxing of the Citizens Summit Reserve card and at a high level its positioned as a premium cash back option. It earns 3% unlimited cash back on dining groceries and entertainment (including streaming services) and 1.5% back on everything else along with over $500 in premium travel benefits and exclusive experiences. The card itself looks and feels high-end with a clean finish subtle texture and a unique cut-out detail on the bottom right that makes it stand out from most metal cards. What do you think about it #creditcardunboxing"
TikTok Link 2026-01-10T16:02Z [----] followers, [----] engagements
"UNBOXING The Cash App Debit Card 👀 This is the unboxing of the Cash App Debit Card. The coolest part about this card is that you get to design it however you want. For mine I added clouds and stars to match the style of my YouTube channel banner but every Cash App card is unique which makes it pretty fun. Ive never used this nor do I plan to but its good to have in the backup wallet. How would you design yours Be sure to watch the full-length video associated with this clip 📷 #cashapp #cashappcard #cashappdebitcard #cashappaccount #cashappreview"
TikTok Link 2025-10-17T21:04Z [----] followers, 38.3K engagements
"UNBOXING The Ally Debit Card 👀 This is the unboxing of the Ally Debit Card which comes with their Ally Bank Spending Account that has no monthly maintenance fees and reimburses all U.S. ATM fees. I originally opened it because Ally is one of the best-known online banks but its since become one of my favorite backup accounts especially their high-yield savings account. The card itself has a sleek purple design with bold Ally branding. I dont actually use the card at all but the online banking experience its tied to is one of the smoothest Ive used. What do you think of the design Be sure to"
TikTok Link 2025-09-12T19:35Z [----] followers, [----] engagements
"UNBOXING The Ritz-Carlton Card 👀 This is the unboxing of the Ritz-Carlton Credit Card one of the more exclusive travel cards you can get. While you cant apply for it anymore you can still upgrade to it from a lower-tier Chase Marriott card which is exactly what I did. Beyond its luxury perks from a $300 annual travel credit to Priority Pass/Sapphire lounge access Marriott Bonvoy Gold Elite status and an 85k-point free night certificate the real standout is the design: a sleek gloss black finish with the Ritz-Carlton lion logo in silver. Honestly it might be my favorite card design Ive ever"
TikTok Link 2025-08-15T21:14Z [----] followers, 33.8K engagements
"UNBOXING The SoFi Debit Card 👀 This is the unboxing of the SoFi Debit Card which comes with their checking and savings accounts offering up to 4.60% APY and no monthly fees. I originally grabbed it for the welcome offer but these accounts have since become my go-to for everyday banking. The card itself has a minimal white-and-blue design with subtle branding. I dont actually use the card but the high-earning accounts its tied to are my daily drivers. What do you think of the design Be sure to watch the full-length video associated with this clip 📷 #sofi #sofidebitcard #soficheckingaccount"
TikTok Link 2025-07-25T21:22Z [----] followers, 22.8K engagements
"UNBOXING The OG Chase Freedom 👀 This is the unboxing of the OG Chase Freedom Credit Card one of the only cards still earning 5% back in rotating categories without an annual fee. I mainly keep it for the easy 5x points each quarter on things like gas groceries and online shopping which makes it one of the best no-AF cards ever made. This new version replaced my old raised-number design with a cleaner flat finish a subtle green accent and that signature Chase blue. Still simple still effective. What do you think of the design Be sure to watch the full-length video associated with this clip 📷"
TikTok Link 2025-07-10T22:10Z [----] followers, [----] engagements
"UNBOXING The Chase Ink Premier 👀 This is the unboxing of the Chase Ink Premier Credit Card. Its the only Ink card that earns straight cashback and doesnt earn Ultimate Rewards points. I mainly grabbed it for the high 2.5% earning rate on purchases over $5000 plus the $1000 welcome offer which both came in handy for my tax payments. The card is all metal has a clean premium design and feels surprisingly heavy in-hand. honestly one of the best builds Ive seen. What do you think of the look Be sure to watch the full-length video associated with this clip 📷 #chaseinkpremier #inkpremierunboxing"
TikTok Link 2025-07-03T21:17Z [----] followers, [----] engagements
"UNBOXING The Alaska Airlines Business 👀 This is the unboxing of the Alaska Airlines Business Card an underrated option with a surprisingly strong welcome offer. Even if you never fly Alaska the miles you earn can be used to book American Airlines flights thanks to their Oneworld partnership. That makes it one of the easiest ways to unlock domestic and international award travel without dealing with Amex Chase Capital One etc. The card design is simple and professional but what do you think of the look Be sure to watch the full-length video associated with this clip 📷 #creditcards"
TikTok Link 2025-05-29T21:13Z [----] followers, [----] engagements
"UNBOXING The Amex Blue Business Plus 👀 This is the unboxing of the Amex Blue Business Plus a low-key but incredibly powerful card for anyone running a small business or side hustle. It earns 2x Membership Rewards points on every purchase up to $50000 a year with no annual fee. It might not have flashy perks but its one of the most efficient cards for racking up transferable points quietly in the background. The simple blue design keeps it clean and professional but what do you think of the look Be sure to watch the full-length video associated with this clip 📷 #amexbluebusinessplus"
TikTok Link 2025-05-15T21:13Z [----] followers, [----] engagements
"UNBOXING The Chase Sapphire Reserve 👀 This is the unboxing of the Chase Sapphire Reserve one of the most premium travel credit cards on the market. If youre serious about maximizing travel rewards and perks the Sapphire Reserve is packed with value: from 3x points on travel and dining to access to Chase Sapphire lounges Priority Pass lounges a $300 annual travel credit and more. The sleek metal design in black blue and silver gives it a really elevated feel but Im curious what do you think of it Be sure to watch the full-length video associated with this clip 📷 #chasesapphirereserve"
TikTok Link 2025-05-08T21:12Z [----] followers, 29.1K engagements
"Unboxing Southwest Priority Card 👀 To hear all of this information and more be sure to watch the full-length video associated with this clip (YouTube: Spencer Johnson) 🎥 #southwestcompanionpass #southwestairlines #howtogetsouthwestcompanionpass #southwestrapidrewards #companionpass #southwest #creditcards #southwestpoints #travelcreditcards #southwestcreditcards #bestsouthwestcreditcards #southwestprioritycard #southwestperformancebusiness #creditcard #creditcardunboxing #unboxingcreditcard #unboxingsouthwestpriority #southwestpriority #southwestprioritycreditcard"
TikTok Link 2025-01-18T18:07Z [----] followers, [----] engagements
"Revealing My WORST Credit Card Mistakes ❌ To hear all of this information and more be sure to watch the full-length video associated with this clip (YouTube: Spencer Johnson) 📷 #creditcard #creditcardmistakes #creditcardmistakestoavoid #creditcardsforbeginners #creditcardtips #beginnercreditcardmistakes #creditcardbeginnermistakes #commoncreditcardmistakes #creditcardregrets #worstcreditcards #bestcreditcards #creditcards #creditcardstrategy #mistakeswithyourcreditcard #howtousecreditcardstherightway #amexgold #biltmastercard #marriottbonvoyboundless #usbankaltitudereserve"
TikTok Link 2024-12-18T02:35Z [----] followers, [----] engagements
"My UNEXPECTED Credit Card Roadmap For [----] 🚀 To hear all of this information and more be sure to watch the full-length video associated with this clip (YouTube: Spencer Johnson) 📷 #creditcards #creditcard #bestcreditcards #creditcardsforbeginners #creditcardroadmap #creditcardstrategy #creditcardplan #whatcreditcardstoapplyfornext #bestcreditcardsetup #bestcreditcardstrategy #bestcreditcards2024 #bestcreditcards2025 #southwestpriority #hyattbusinesscard #hyattcard #amexbusinessplatinum #americanexpressbusinessplatinum #marriottbonvoybusiness #marriottbusiness #chasecreditcards"
TikTok Link 2024-12-12T23:00Z [----] followers, [----] engagements
"The WORST Credit Cards ❌ To hear all of this information and more be sure to watch the full-length video associated with this clip (YouTube: Spencer Johnson) 📷 #worstcreditcards #creditcards #creditcard #worstcreditcardsever #creditcardsforbeginners #worstcreditcardever #bestcreditcards #creditone #creditoneplatinum #disneypremiervisa #cruiselinecreditcards #amexbusinessgreen #openskylaunchsecured #sparrowrewardsmastercard #luxurycard #luxuryblackcard #luxurygoldcard #indigomastercard #milestoneearnivamastercard #destinymastercard #firstpremierbankcard #firstpremier #worstcard #worstcards"
TikTok Link 2024-12-06T01:00Z [----] followers, [----] engagements
"The ONLY [--] Credit Cards You Need In [----] 👀 To hear all of this information and more be sure to watch the full-length video associated with this clip 📷 #chase #amex #creditcards #creditcard #besttravelcreditcards #travelcreditcards #chasecreditcards #amexcreditcards #capitalone #bilt #citi #bestcreditcards #creditcardstrategy #bestcreditcardstrategy #topcreditcards #bestcreditcardsetup #bestcashbackcreditcards #cashbackcreditcards #creditcardsetup #capitalonecreditcards #citicreditcards #usbank #usbankcreditcards #bankofamerica #bankofamericacreditcards #5creditcardsetup #credit"
TikTok Link 2024-11-27T02:58Z [----] followers, [----] engagements
"UNBOXING Southwest Performance Business 👀 To hear all of this information and more be sure to watch the full-length video associated with this clip (YouTube: Spencer Johnson) 🎥 #southwestcompanionpass #southwestairlines #howtogetsouthwestcompanionpass #southwestrapidrewards #companionpass #southwest #creditcards #southwestpoints #travelcreditcards #southwestcreditcards #bestsouthwestcreditcards #southwestprioritycard #southwestperformancebusinesscard #performancebusiness #southwestbusinesscard #creditcard #unboxingsouthwestperformancebusiness #creditcardunboxing #unboxingcreditcard"
TikTok Link 2024-11-22T23:00Z [----] followers, [---] engagements
"Watch Me Apply For a Southwest Business Card 👀 To hear all of this information and more be sure to watch the full-length video associated with this clip (YouTube: Spencer Johnson) 📷 #southwestcompanionpass #southwestairlines #howtogetsouthwestcompanionpass #southwestrapidrewards #companionpass #southwest #creditcards #southwestpoints #travelcreditcards #southwestcreditcards #bestsouthwestcreditcards #southwestprioritycard #southwestperformancebusinesscard #performancebusiness #southwestbusinesscard #southwestperformancebusinesswatchmeapply #watchmeapply #creditcardapplication #creditcard"
TikTok Link 2024-11-19T23:00Z [----] followers, [----] engagements
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