My Favorite Credit Card of All Time


These are my 5 Favorite Credit Card Brands and Why I Got Them. Enjoy! Add me on Instagram: GPStephan – Click “Show More” to see ad disclosure

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One of my favourite cards:
First: American Express Gold
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I got this card because it’s known as what’s called a “Charge Card,” meaning it’s not a card that you’re meant to carry a balance on…Because of that, and because this is a “Charge card,” it technically doesn’t have a pre-set spending limit, meaning it won’t negatively impact your credit utilization when the credit bureaus calculate your credit score.

Aeroplan allows you to earn between 40,000 and 50,000 points for just signing up. This is approximately 2 round trip tickets within North America. In addition to that, there’s some other advantages that make the card a good deal…for instance, you’ll get $100 per year as an airline credit if you chose to check your bags or purchase in flight meals. You’ll also get purchase protection up to $10,000 per purchase…so if your item is lost, stolen, or damaged in the first few months, they’ll take care of it for you. They’ll also extend your warranty for up to 2 years on eligible products…so if you buy something and it breaks, chances are, American Express would cover it.

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The American Express Platinum.
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/>When I signed up this card, I got 60,000 points. You can also get into the American Express Centurion Lounge which I consider one of my favorites places on earth. In addition to that, you’ll also get a $100 Hotel Credit on select hotels…discounts on other hotel services…a $200 airline credit towards the airline of your choice…and then you’ll get top of the line purchase and loss protection.

Now, yes…this card does come with a $550 per year annual fee. And to be eligible to even get the card, you’ll typically need a strong credit score, combined with a decent income…but provided you’ll actually USE these benefits, it could EASILY pay for the annual fee so many times over.

Troisième: Chase Sapphire Reserve
Now they’ll give you 50,000 points for signing up when you spend $4000 in the first 3 months. And when you redeem those points through chase, they’re worth 50% more…meaning 50,000 points will give you $750 worth of value.

In addition to that, they’ll also give you a $300 annual travel credit. You also get priority access to the Priority Pass Airport Lounge. There is an annual fee, $450 each year. BUT, between the $750 worth of the sign up bonus…the $300 airline credit…and the priority pass lounge access, not to mention a TON of other rewards for the card that are just too much to mention…the $450 just pays for itself very quickly.

Fourth: JP Morgan Reserve Credit Card
Now not always, but USUALLY to get access to the JP Morgan Private Bank, and to get access to this credit card, you need $10 million in assets…hence, the $10 million dollar credit card. And even though, I admit, this card is almost identical to the Chase Sapphire Reserve in terms of benefits…it does have a few unique advantages, like complimentary United Lounge Access.

Fifth: Chase Ink Business Preference
You will typically find offers for signing up with 80,000 to 100,000 points. The GREAT thing with this card is that there’s only an annual fee of $95 per year…which, in my opinion, is a small price to pay for $1200+ worth of free travel.

Now as far as overall rewards go…it’s decent. Nothing spectacular, although you can get 3x points on spending on social media advertising and other business expenses…which is nice, but not as nice as some of the other cards I’ve mentioned.

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*Some of the card links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan participates in an affiliate network. He receives compensation when he sends traffic to partner websites, like These content do not cover all credit card companies and all available credit card offers. As of the date this video was posted, it is current. Some of these offers might not longer be available.