The RD Guarantee

If you’re free at 7:00pm CST ‼️

I’ll be hopping on a live stream to talk about one of the hot button issues we’ve been dealing with in the credit card community: Chase and its sustainability going forward for people at all stages of this game.

youtube.com/live/WoNfk5BGvyo?si=wX90djGpbopnwMU9

3 weeks ago | [YT] | 7

The RD Guarantee

✏️ How do you feel about the Hilton Honors Aspire card? Is it one of the best hotel cards on the market, is it way overhyped, or somewhere in between?

I'll be talking in depth on how I feel about the card in my next video coming out on Monday. This card has passionate people on both sides of the argument and I'm sure some folks may not love my stance. Regardless, I'll be making my argument.

You won't want to miss it!

1 month ago | [YT] | 5

The RD Guarantee

✏️ POLL: Is the Chase Sapphire Preferred still a good card?

Everyone used to recommend the Chase Sapphire Preferred as the “no brainer” go-to beginner travel credit card. In fact… that’s why in October 2023, I got mine and I've held it ever since.

But last year, I feel like card quietly lost the “no brainer” value that made it special and left a lot of people wondering… what now?

📸 In this week's video, I'll be recapping what's changed over the past year or two, breaking down the 5 key areas in which the card is still providing value for the right people, and calling out (if you have it) when to hold it and when to get out.

See you then!

1 month ago | [YT] | 14

The RD Guarantee

✏️ POLL: How has your experience been so far with Bilt 2.0?

I don't have a card yet myself, but I've seen Bilt getting a ton of hate on Reddit and it got me wondering...

📸 In today's video, I'll be highlighting some of the big mistakes Bilt has made over the last couple of years as well as the major cracks in the foundation that I've observed even more recently that make me a little concerned for the future of the company.

I hope you watch and weigh in!

2 months ago | [YT] | 11

The RD Guarantee

💣 Woah! While many folks are still waiting to get off the Robinhood Gold card waitlist, Robinhood went and announced a TOTALLY NEW card.

Say hello to the Robinhood Platinum Card. In their words... the "actual" Platinum Card (AmEx can't be happy about that marketing angle).

In a nutshell, this is what the $695 annual fee card looks like.

Credits:
- $250 DoorDash Discount (segmented 2x $10 credits/month, 3x in January, minimum order $50 order)
- $120 Complimentary DashPass membership
- $250 annual restaurant credit (certain restaurants, $20 monthly, $30 in December)
- $300 annual travel credit ($150 semi-annually)
- $500 annual hotel credit ($250 semi-annually via Robinhood portal, min. 2 night stay)
- $200 annual "wearables" credit
- $250 annual "autonomous rides" credit ($20 monthly, $30 in December)

Earnings:
- 5% back on flights, 10 back on hotels/cars (booked via Robinhood portal)
- 1% back on everything else

Benefits:
- TSA Precheck/Global Entry credit
- Priority Pass Membership

✏️ Are you in or out on this card? A lot of value or a lot of fluff? Let me know your first take in the comments! ✏️


More info: robinhood.com/us/en/creditcard/platinum/

2 months ago | [YT] | 26

The RD Guarantee

✏️ POLL: With everything that's changed in the credit card world over the past year, how do you feel about the Capital One Venture X?

Do you still feel like it's one of the in the credit card game or has it been overtaken by other cards in your mind?

In my next video coming out on Monday, I'll be diving deep into how I feel about the card. I've had it for exactly two years now. I'll highlight what I love, what I hate, and what my plan is moving forward with it.

2 months ago | [YT] | 7

The RD Guarantee

Does this change everything?!

2 months ago | [YT] | 49

The RD Guarantee

💡Chase Freedom Flex PSA:

Don't forget that in Quarter 1 of 2026 the Chase Freedom Flex's rotating category is Dining.

This is a rare stack opportunity where you will earn 7x back on dining purchases.

How that works is you receive:
🔵1x base point
🔵2x dining points
🔵4x bonus category points

Most of you will still have time to spend up to the $1,500 limit in dining to take full advantage of this before Q2 which begins April 1.

If you don't have the card yet, feel free to sign up here:
🔗 rdguarantee.link/Chase-Freedom-Cards

4 months ago | [YT] | 81

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🚨 Another amazing offer 🚨

This has been an insanely fast start to the year! Capital One is back with an elevated welcome bonus on the $95 annual fee Venture Rewards.

🔥 75K miles + $250 Travel Credit after $4K spend in the first 3 months

Given that I'm so value-oriented, a $1,000+ value on a $95 annual fee card is the kind of ratio that I love to see. That alone could cover your annual fee for 10+ years.

🔗: rdguarantee.link/Venture-Rewards

In summary, this card:
- Is an incredible low-budget catch-all card (2X back on everything)
- Gives you access to a great list of transfer partners, especially if you're planning any international trips in the future
- Can be paired with the $0 annual fee Savor card to form a simple and powerful wallet setup

If you watch the channel regularly, you know I love the Venture X. But for those who don't want to pay the $395 annual fee but still want the same sign-up bonus and the same core earnings rates... here's your answer.

We've only seen this offer a couple times in the past and it usually doesn't stick around for long. As always, if you decide the card is a good fit for you, using the link above is the best way to support the work that I do! A huge thank you to all who do.

4 months ago (edited) | [YT] | 39

The RD Guarantee

BILT 2.0 is officially here! WOW, this has been in the works for the last couple of years and we've been waiting patiently to see what these cards look like.

Here's the shortest summary I can give (full video in the coming weeks):

- There are 3 cards ($0 annual fee, $95 annual fee, and $495 annual fee)

$0 AF Blue Card:
- Sign-Up Bonus: $100 Bilt Cash
- 4% Bilt Cash back on everything
- 1X Bilt points back on everything
- "Up to" 1X back on rent/mortgage

$95 AF Obsidian Card:
- Sign-up Bonus: $200 Bilt Cash
- 4% Bilt Cash back on everything
- 3X Bilt points back on dining or grocery
- 2X Bilt points back on travel
- "Up to" 1X back on rent/mortgage
- $100 Bilt Travel hotel credit ($50 every 6 months)

$495 AF Palladium Card:
- Sign-up Bonus: $50K Bilt Points + $300 Bilt Cash + Bilt Gold Status
- 4% Bilt Cash back on everything
- 2X Bilt points back on everything
- "Up to" 1X back on rent/mortgage
- $400 Bilt Travel hotel credit ($200 every 6 months)
- $200 Bilt Cash annual credit
- Priority Pass Membership (+ 2 Guests)

💵 Bilt Cash is a new currency earned alongside Bilt points when you make purchases with any of the three cards. You can basically use it to "unlock" up to 1X points back on your rent/mortgage payments ($30 Bilt Cash = 1,000 Bilt points on rent/mortgage).

Confused? I'm still working to wrap my head around how these cards will work too.

Bottom Line: Essentially, you CAN pay your rent/mortgage with no transaction fees, however you will only earn points on those payments if you spend on the cards to a varying degree.

❓Which is your favorite card?

4 months ago | [YT] | 23