[0:01] That is my credit card binder, and after
[0:03] flipping through its many, many pages
[0:05] and strolling through dozens of credit
[0:07] cards and all the main issuers'
[0:08] websites, I gave myself a challenge.
[0:11] Identify the single best travel credit
[0:13] card from all the major banks,
[0:15] regardless if it was a super high or a
[0:17] super low annual fee, or how many points
[0:20] or how many benefits total each card
[0:22] had. The goal was simply to find the
[0:24] single card that overall was the best,
[0:26] most well-rounded, highest-value
[0:28] product. And here is what I decided.
[0:31] Let's begin with Chase. My number one
[0:33] pick here is the Sapphire Preferred
[0:35] credit card, and rightly so. It recently
[0:37] got a huge overhaul to its benefits and
[0:39] rewards structure. What hits you right
[0:41] up front, though, is the super strong
[0:43] limited-time welcome offer to earn
[0:45] 100,000 bonus points after meeting the
[0:48] spend requirement. That's worth an easy
[0:50] $1,000 toward cash back or travel, or
[0:52] even more toward travel when maximized
[0:55] completely. And in light of that modest
[0:57] $95 annual fee, you are well into many
[1:01] times over in your first year. Plus, you
[1:03] can even see if you're pre-approved for
[1:04] the offer with no impact to your credit
[1:06] score. If you want a closer look at
[1:08] about all the changes that occurred on
[1:09] the Sapphire Preferred, watch the other
[1:11] video that I did on that for a deeper
[1:13] dive going over Chase's press release.
[1:15] But for the purpose of this video, to
[1:17] mention a few things that I really like
[1:18] about it and what makes it so strong as
[1:20] my number one pick is the revamped
[1:22] rewards structure. It was already good,
[1:25] now just even better with the addition
[1:27] of two more categories, namely triple
[1:29] points on gas and EV charging, and
[1:32] triple on vacation homes at top brands
[1:35] like Airbnb, Vrbo, and a few others. All
[1:37] the other legacy multipliers still
[1:39] remain intact. And helping you earn back
[1:41] the cost of the annual fee is now a $100
[1:45] hotel credit that you can use every
[1:46] single card anniversary. Coupling that
[1:49] with over 200 bucks of additional value,
[1:51] and you have a very strong proposition
[1:53] here. The additional partner benefits
[1:54] include DashPass from DoorDash. That is
[1:57] the membership itself being credited to
[1:59] you, plus some additional credits and
[2:01] some additional multipliers. That is
[2:03] five points per dollar with Lyft and
[2:04] Peloton through September and December,
[2:07] respectively. You can also transfer your
[2:09] Chase points out to other airline and
[2:11] hotel programs for additional
[2:12] flexibility in building your
[2:13] itineraries, all while getting some very
[2:15] strong travel and purchase coverages
[2:17] here. Moreover, the card now features a
[2:20] $120 credit to be used toward Global
[2:23] Entry, TSA PreCheck, or NEXUS, and a
[2:26] complimentary Apple TV subscription for
[2:28] a full year when you activate by
[2:30] December 31st, 2026. I should also add
[2:33] that this card has no foreign
[2:34] transaction fees, which, being a Visa
[2:37] credit card, pairs very nicely for great
[2:39] acceptance globally and avoiding that
[2:42] roughly 3% fee on your charges outside
[2:44] of the US. Adding up all these benefits,
[2:47] plus the reward multipliers at a low
[2:49] annual fee, and you've got one very
[2:50] strong card earning my number one pick.
[2:53] Up next, we have American Express.
[2:55] They're running a variable offer here,
[2:58] up to 100,000 points after meeting the
[3:00] spend requirements. So, you have to go
[3:02] through the application process to see
[3:03] what your offer is, and they'll let you
[3:05] know before you go all the way through
[3:07] and before any hard hit to your uh
[3:09] score, too, which is great. It's kind of
[3:11] like another pre-approval type of
[3:12] experience. The annual fee is a lot
[3:14] higher than the Sapphire Preferred,
[3:15] though, at 325 bucks per year, but they
[3:18] do add more benefits to help you make
[3:20] sense of that. And the first part of
[3:22] this is a strong reward structure. Four
[3:24] points per dollar at restaurants
[3:26] worldwide on up to a 50K cap, four
[3:28] points per dollar on groceries at US
[3:30] supermarkets subject to a 25K cap, a
[3:33] newer five point per dollar category on
[3:36] prepaid hotels through the Amex travel
[3:38] portal, then triple on flights through
[3:41] the portal, the app, or directly with
[3:43] the airlines themselves, and double on
[3:45] prepaid car rentals, plus cruises, also
[3:48] through Amex. Beyond these categories,
[3:50] it's one point per dollar for your other
[3:52] purchases. I like seeing when cards
[3:53] debut reward structures that are useful
[3:56] at home and while you travel. So, that
[3:58] way while you're not traveling, you can
[3:59] still earn great points for your future
[4:02] trips at home. Hence, dining at
[4:04] restaurants around you and on your
[4:05] grocery bill. Now, helping you earn back
[4:07] that cost of the annual fee that you
[4:09] paid up front is a 120 dining credit.
[4:12] That's up to 10 bucks a month in
[4:14] statement credits for the partners
[4:16] listed there on the screen. You'll also
[4:17] be given up to $120 in Uber cash per
[4:20] year in $10 per month increments, a $100
[4:24] Resy credit. That's $50 twice per year
[4:27] for Resy restaurants, and an $84 Duncan
[4:30] credit. That's $7 per month. Yes, it's a
[4:32] lot of small things here and there
[4:34] throughout the course of a 12-month
[4:35] period, but hey, Amex's goal is to have
[4:38] you use the card on a regular basis, not
[4:40] cash out on everything in 1 month and
[4:42] then never use it again. They've also
[4:43] earned a Hertz five-star status, giving
[4:46] you things like complimentary upgrades,
[4:47] skipping the counter, and more elite
[4:49] benefits. And the hotel collection is
[4:51] nice, giving you some additional
[4:52] benefits at upscale properties when you
[4:54] book through that special portal. The
[4:56] card also gives you some travel
[4:57] protections, and at the bottom you also
[4:59] see no foreign transaction fees, which
[5:01] is always nice. Plus, purchase
[5:03] protection and extended warranty on the
[5:06] retail side. On to my third top pick
[5:08] here with Capital One. Drum roll,
[5:10] please. My choice this time around is
[5:14] the Venture X, which probably is not too
[5:16] big of a surprise because despite some
[5:18] small devaluations that we've seen
[5:20] consistently over time since it
[5:22] originally launched, it is still the
[5:24] most affordable value-packed premium
[5:27] travel card that you can get. You can
[5:29] get off to a great start with 75,000
[5:31] miles as a bonus after meeting the spend
[5:33] requirement. That's kind of been the
[5:35] default for a while now. It could go
[5:37] higher during promo times. Every year
[5:39] that you keep the card and pay your
[5:40] annual fee, it gives you a bonus 10,000
[5:43] miles, kind of like a built-in retention
[5:45] offer. A $300 annual travel credit that
[5:48] you can use to help offset your fee each
[5:50] year and that's valid through the
[5:51] Capital One travel portal. And once
[5:54] every four to five years or so, when you
[5:56] renew in Global Entry or TSA PreCheck,
[5:58] it will reimburse you up to 120 bucks
[6:01] for that application fee, too. In fact,
[6:03] just that $300 credit plus the 10K mile
[6:06] bonus together is about a $400 value and
[6:10] that fully wipes out the $395 annual
[6:13] fee. Pretty sweet how you can cover that
[6:15] with just using two benefits and nothing
[6:17] else. You can also earn Capital One
[6:19] miles very quickly long-term in a very
[6:21] simple way. 10 miles per dollar on
[6:23] hotels and rental cars booked through
[6:26] Capital One, five miles per dollar on
[6:28] flights and vacation rentals booked
[6:30] through Capital One, and then for all of
[6:32] your other regular purchases, you're
[6:34] getting a base rate of two miles per
[6:36] dollar, making this not just a great
[6:39] travel card, but also a great catch-all
[6:41] card, too, regardless of the categories
[6:43] in which you're spending. The card will
[6:45] also provide you access to a growing
[6:47] network of Capital One lounges plus
[6:49] Priority Pass lounges. There are also a
[6:51] couple of hotel portals, namely the
[6:54] Premier Collection and the Lifestyle
[6:55] Collection, both giving you kind of VIP
[6:58] elite light benefits when you book the
[7:00] properties that are within these
[7:02] portfolios. That could be things like an
[7:04] additional credit to use for food and
[7:06] beverage, for instance, early check-in,
[7:08] late checkout, maybe room upgrades, and
[7:09] the like. The top-tier elite status with
[7:12] Hertz, their President's Circle, is also
[7:14] available with this card at no
[7:16] additional charge when you simply enroll
[7:18] and activate this benefit. And there's
[7:19] also auto rental collision coverage,
[7:21] too, which is primary, by the way, not
[7:24] something you see all the time. And
[7:26] while not fully unique to just this
[7:28] card, at least it does give you access
[7:30] to the Capital One travel portal, which
[7:32] itself has some really class-leading
[7:35] benefits. One of which is to book
[7:37] confidently with free price drop
[7:39] protection. Then, if you find a better
[7:41] price, they'll match it. You can also
[7:43] add an option to cancel your flight up
[7:46] to just 3 hours before your scheduled
[7:48] departure and get most of your booking
[7:50] cost refunded. And even set a price
[7:52] alert for them to watch your flight for
[7:54] you and notify you when a price drop
[7:56] occurs. Very nice consumer-friendly
[7:59] features. There's also the Capital One
[8:01] dining program giving you access to
[8:03] special dining and culinary experiences
[8:05] and the Capital One entertainment
[8:07] portal, too. Again, with more exclusive
[8:09] access, pre-sales tickets, and more with
[8:12] another five X mile multiplier on your
[8:15] purchase. And like any good travel card,
[8:18] yes, this one also has no foreign
[8:20] transaction fees. Another kind of unique
[8:22] feature that's not too widespread across
[8:24] the industry is cell phone protection,
[8:26] which is great. And on the miles
[8:27] redemption side, there are also a bunch
[8:30] of transfer partners, too, like we've
[8:32] seen with Chase and Amex previously.
[8:34] Again, the crossover is not perfect
[8:36] here. They have some of their own unique
[8:38] partners, but there's a nice list to
[8:40] choose from. After seeing so many of the
[8:42] top-tier premium cards between five and
[8:44] $900 a year for their fees now, seeing
[8:47] $395, at least until they raise it, is
[8:50] still super refreshing while it lasts.
[8:52] Now, as you look to build out your own
[8:54] travel card setup, you're inevitably
[8:55] going to run into a classic problem.
[8:57] Managing different cards from different
[8:59] banks and incorporating them all into
[9:01] your broader financial picture. That's
[9:03] where today's sponsor, Monarch, can make
[9:05] a big difference. Monarch is a personal
[9:07] finance platform that takes all your
[9:09] major credit cards, bank accounts, and
[9:11] brokerages and puts them all into one
[9:13] place. What that means for you is
[9:15] getting complete clarity into your
[9:17] spending and saving habits every month,
[9:19] tracking your financial goals over time,
[9:21] and a lot more. Something I really
[9:23] appreciate is how it removes my
[9:25] financial stress and replaces it with
[9:27] visuals and breakdowns that help me make
[9:29] sense of my money. One of my biggest use
[9:31] cases is a monthly net worth check-in.
[9:33] Monarch adds up the current value of all
[9:35] your assets, subtracts any liabilities,
[9:38] and gives you a clear picture of your
[9:40] net worth in that moment in time. If I
[9:42] see myself headed in a positive
[9:43] direction, then I can feel good about my
[9:45] plan. If not, I can see where I can
[9:48] improve. And another great feature that
[9:49] helps me do exactly that is the built-in
[9:52] budgeting tool. After telling Monarch
[9:54] how much I want to spend, it then shows
[9:56] me if I'm over or under budget by
[9:58] pulling in all my financial figures
[10:00] daily. It's kind of like having a super
[10:02] wallet. And if you have a big goal that
[10:04] you want to work toward, I recommend the
[10:06] built-in goals feature. It empowers you
[10:08] to build up an emergency fund, buy a
[10:10] car, pay down debt, or whatever you
[10:12] like. So, if you want a simple way to
[10:14] feel more confident about your finances,
[10:17] try Monarch today. You can get a free
[10:19] trial and 50% off your first year by
[10:22] using my link on the screen or by
[10:24] signing up with the code Reese50. Now,
[10:26] let's get back to the best credit cards
[10:28] from the major banks. Now, let's take a
[10:29] look to see what City has to offer. At
[10:32] least for now, the choice here was very
[10:33] obvious to me. The City Strata Premier
[10:36] card. Now, there are some rumors that
[10:38] City may be changing this card somewhat
[10:40] in the near future, but nothing's been
[10:42] solidified yet. So, as the card stands
[10:44] right now in Q2 of 2026, this one is
[10:48] actually pretty darn phenomenal. The
[10:50] standard offer that we've seen for a
[10:51] while now of 60,000 points is still
[10:54] quite strong, and you can get that after
[10:55] meeting the spend requirement. That's an
[10:57] easy $600 travel value right there, or
[11:00] maybe more with transfer partners if you
[11:01] can do that. But, the annual fee at 95
[11:04] bucks, like that Sapphire Preferred, is
[11:06] on the low side here, allowing you to
[11:08] have a lot of profit from your rewards
[11:10] and that bonus. Again, I love seeing
[11:12] cards that give you a huge step forward
[11:14] in your first year. And this card's
[11:16] reward structure really sets it apart
[11:18] here because it covers so much on the
[11:20] road and at home. At the very top high
[11:22] end here, you get 10 points per dollar
[11:24] on hotels, car rentals, and attractions
[11:28] when you book them through
[11:28] citytravel.com. Talk about earning
[11:31] points very quickly. Then below that we
[11:33] have a three-point per dollar category
[11:36] that covers a whole bunch, air travel
[11:39] and other hotel purchases, restaurants,
[11:42] supermarkets, gas and EV charging
[11:45] stations, and then one point per dollar
[11:47] on your other purchases. It amazes me
[11:49] how many travel cards do not include a
[11:51] gas category on them. I get it, kind of,
[11:54] but when you think about a road trip, to
[11:56] me that's just another form of travel.
[11:58] And even if you classify it as transit
[12:00] or commuting, that's still a cousin of
[12:02] travel anyway. That $95 annual fee that
[12:05] we just talked about is really easy to
[12:06] recoup as well because it has a $100
[12:09] annual hotel benefit with a couple
[12:11] restrictions that are not super
[12:13] consumer-friendly, but hey, you got a
[12:15] whole year to use it. It'll give you a
[12:16] hundred bucks off a single hotel stay
[12:19] when that entire stay is $500 or more
[12:22] before fees and taxes, and you book that
[12:24] through the city travel portal. At least
[12:26] they do make it highly convenient to use
[12:27] though. It's automatically applied when
[12:29] you check out through the booking
[12:30] process. The card also gives you access
[12:32] to the Reserve by City Travel, which is
[12:35] their hotel collection of upscale
[12:37] properties giving you VIP benefits like
[12:40] complimentary breakfast for two, free
[12:42] Wi-Fi, and more. You can also transfer
[12:44] your points out to a bunch of other
[12:45] transfer partners. Here's a screenshot
[12:47] listing them right here for the hotels
[12:49] and the airlines. And then lastly here
[12:51] we've got travel protections too,
[12:53] several which are mentioned right there
[12:54] on the screen. In short, it's one of
[12:56] those cards that's very simple to use.
[12:58] You don't have to track a million
[12:59] different benefits. You don't have to
[13:01] enroll in certain reward categories that
[13:03] change over time. It just covers a lot
[13:05] in a very straightforward manner without
[13:07] charging you a crazy annual fee. Let's
[13:09] move on now to Bank of America. Out of
[13:12] all their cards, I chose their Premium
[13:14] Rewards credit card. To get you started,
[13:16] it's offering 60,000 bonus points after
[13:19] meeting the spend requirement. That's a
[13:20] solid $600 of value toward travel right
[13:23] there, and up to $200 in travel
[13:26] statement credits. That's broken down
[13:28] into two separate parts. One is up to
[13:30] 100 bucks in airline incidental
[13:32] statement credits for airline bag fees,
[13:34] in-flight services, and more. And also
[13:37] up to another 100 bucks for TSA PreCheck
[13:40] or Global Entry. Since you renew those
[13:42] trusted traveler programs only once
[13:44] every four to five years, we can't count
[13:46] them annually to cover your annual fee.
[13:48] But fortunately, the first part of up to
[13:50] 100 bucks in airline incidental credits,
[13:53] that one does cover the fee, which is
[13:54] only $95 a year. Meaning nothing to cut
[13:57] into the rewards that you earn on top of
[13:59] that. Which I've got to say is not a
[14:01] very compelling reward structure. But
[14:03] hey, it's still the best that Bank of
[14:04] America offers with a little caveat that
[14:07] can supercharge these that you'll see in
[14:09] just a moment. The base earning rates
[14:10] are just double points on travel
[14:12] purchases, double points on dining
[14:15] purchases, and then the true base on all
[14:18] of your other purchases will be 1.5
[14:20] points per dollar. What can help you
[14:22] though is their Bank of America Rewards
[14:24] program, which is separate from their
[14:26] credit card. This is a standalone
[14:28] program where if you have a certain
[14:29] amount of deposits or assets with Bank
[14:32] of America, they give you additional
[14:34] perks with credit cards and more, too.
[14:37] Just on the credit front though, based
[14:38] on the requirements that you're able to
[14:40] qualify for, you could have your
[14:42] standard two points per dollar get a
[14:44] 10%, 25%, 50%, or 75% boost. Meaning you
[14:49] could have this card giving you 3.5
[14:52] points per dollar on travel and dining,
[14:54] and two .6 two points per dollar on all
[14:56] of your other purchases. The qualifying
[14:59] criteria do get pretty high though. To
[15:01] start here, feel free to pause this if
[15:03] you want to look it over in more detail,
[15:05] but the standard rate is, you know, no
[15:07] minimum balance required. Then it does
[15:09] get to the preferred plus at $30,000 of
[15:12] total assets, preferred honors at
[15:14] $100,000, and premier at $1 million.
[15:18] That's the relationship banking model at
[15:20] full display for you all. The more you
[15:22] do with a certain bank with multiple
[15:23] accounts, the more they tend to reward
[15:25] you. And Bank of America is known to do
[15:27] that. The card will also give you some
[15:29] automotive protections here like with
[15:31] roadside dispatch and also the Visa
[15:33] Signature Luxury Hotel Collection,
[15:35] another one of those portals giving you
[15:36] some VIP perks when you book through it.
[15:39] And we can't forget the Visa concierge
[15:41] service, too, if you ever want help with
[15:42] travel planning, restaurant
[15:43] recommendations, or other event
[15:45] reservations. Our next bank here doesn't
[15:47] have very many travel focused cards
[15:49] anymore, but the one that they do have
[15:51] listed is actually quite compelling
[15:53] after it's refreshed not too long ago.
[15:55] The bank I'm referring to here is US
[15:57] Bank and the card, their Altitude
[15:59] Connect Visa Signature. The welcome
[16:01] offer, as you'll see, is pretty low,
[16:03] 20,000 bonus points, but the spend
[16:06] requirement's also pretty low, too,
[16:08] $1,000 in your first 90 days, but you
[16:11] also can't expect too high of a bonus on
[16:13] this card because there's no annual fee,
[16:15] either. But, it gives you some pretty
[16:16] strong rewards, five points per dollar
[16:19] on prepaid hotel tells and car rentals
[16:21] through the US Bank Travel Center, four
[16:23] points per dollar on other travel, as
[16:26] well as on gas stations and EV charging
[16:28] stations on your first $1,000 each
[16:30] quarter of the year, double points on
[16:32] dining, streaming services, and grocery
[16:35] stores, then one X on your other
[16:37] eligible purchases. It also includes a
[16:40] little bit of a surprise here, too.
[16:42] Check this out, premium travel benefits.
[16:44] Enjoy airport lounge access and TSA
[16:47] precheck, plus have peace of mind with
[16:50] travel protections. It's spanning on
[16:51] those travel benefits a little bit
[16:53] further here, the lounge access gives
[16:55] you Priority Pass Select, specifically
[16:57] four free visits to those lounges every
[16:59] year. That could be all for you or you
[17:02] and a combination of guests. The TSA
[17:04] precheck and Global Entry credit is up
[17:06] to $100 to help you cover the cost of
[17:08] those programs. There's also Smart Delay
[17:10] airport lounge access where when you
[17:12] register your flight online, it'll give
[17:14] you access to a day pass if your flight
[17:17] is delayed. Furthermore, with their Bilt
[17:19] Sky program here, they give you access
[17:21] to global mobile data. That is a
[17:23] complimentary 5 GB 15-day global mobile
[17:27] data plan, and that's available through
[17:29] November 30th, 2026. Beyond that, there
[17:32] are also some coverages here like trip
[17:34] cancellation and interruption insurance,
[17:36] trip delay reimbursement, zero fraud
[17:38] liability, and more. And believe it or
[17:40] not, there are even some entertainment
[17:41] benefits, too, like premier golf rewards
[17:44] with Troon, So Far Sounds access for
[17:47] exclusive tickets to discover new music
[17:49] with pre-sales, Hollywood Studios
[17:51] Hollywood offers, and Universal Orlando
[17:54] Resort offers, too. And like every good
[17:56] travel credit card, no foreign
[17:58] transaction fees. While there may not
[18:00] have been anything that totally wowed
[18:02] you, when you actually step back and
[18:03] think about all the stuff that we
[18:05] covered for that US Bank card, and you
[18:07] put a $0 annual fee price tag on it,
[18:11] that's where it truly does surprise.
[18:13] We've got one more issue or two go. And
[18:15] they've got a card product that I've
[18:16] liked for a number of years. The bank is
[18:19] Wells Fargo, and my number one pick from
[18:21] their lineup of cards is their Autograph
[18:24] card. The welcome offer here is again on
[18:26] the low side, but it's another one of
[18:27] those $0 annual fee cards. So, decent
[18:30] value, but nothing crazy. 20,000 points
[18:33] after spending 1K in 3 months. That's a
[18:36] solid 200 bucks with no fee reducing
[18:38] that. And it's got a lot of amazing
[18:41] reward categories. Take a look at all
[18:43] these 3x multipliers. Triple on
[18:46] restaurants, triple on travel, triple on
[18:49] gas and transit, that category we don't
[18:52] see often enough on a travel card,
[18:54] triple on popular streaming services,
[18:56] triple on phone plans, and then one
[18:59] point per dollar on your other
[19:00] purchases. If only it had grocery
[19:02] stores, too. But hey, it's got a lot of
[19:04] other good stuff, too. In fact, it's one
[19:06] of the very few $0 annual fee cards that
[19:09] actually gives you access to transfer
[19:11] partners. Now, this program is very new
[19:13] to Wells Fargo, so it's not super robust
[19:15] or, you know, they're not dozens of
[19:17] partnerships here, but it is a lot more
[19:19] than just nothing at all. In fact, it's
[19:21] actually been growing over the past
[19:23] number of months with now 11 different
[19:25] transfer partners. And hopefully they
[19:27] keep investing into this program to
[19:29] bring more partnerships on board as time
[19:31] goes on. The card also gives you cell
[19:33] phone protection as one of their
[19:34] coverages, auto rental collision damage
[19:36] waiver, and roadside dispatch. It's also
[19:39] one of those cards giving you no foreign
[19:41] transaction fees, too. Plus, Visa
[19:43] concierge services and that Visa
[19:45] Signature Luxury Hotel Portal, as well,
[19:47] giving you some of those premium perks
[19:49] at select properties when you use that
[19:51] portal. And topping it all off here, a
[19:53] kind of niche but pretty cool benefit,
[19:55] too. It's called Autograph Card
[19:57] Exclusives, which is a program that
[19:59] gives you access to tickets for big-name
[20:01] artists in smaller, more intimate
[20:03] venues. So, how did I do? Do you agree
[20:05] with my picks for the number one spots
[20:07] for all these travel cards across all
[20:09] these banks? Or do you have other
[20:11] contenders that would be a better fit?
[20:12] Let me know down below in those
[20:14] comments. And with all that said, if you
[20:16] want to get some additional value coming
[20:17] your way, I've got some great links down
[20:19] below, one of which is just some of the
[20:21] best high-yield savings accounts out
[20:23] there to where you're earning way more
[20:25] interest than what the main banks
[20:27] actually offer you. In fact, all the
[20:29] options you see there should give you
[20:30] better interest rates than you see with
[20:32] Bank of America, Wells Fargo, Chase, and
[20:34] all the others. There's also another
[20:36] link down there to Rakuten to reward you
[20:38] even more when you do online shopping,
[20:40] whether it's cash back or flipping your
[20:42] settings over to Amex Membership Rewards
[20:44] points, you can get those for travel,
[20:46] too. Then, if you want me to keep you up
[20:48] to date about great credit card offers
[20:49] as they become available and before they
[20:51] expire, I've got some free credit card
[20:53] offer alerts that you can sign up for.
[20:55] And of course, a phenomenal way to
[20:57] manage your broader world of finances
[20:59] with budgeting, tracking your progress
[21:01] towards certain goals, and planning for
[21:03] the future with Monarch. Thank you all
[21:04] for joining me in today's video, and I
[21:06] look forward to seeing you in the next.