How To WIN The Credit Card Game From The Start (w/ CJ)

Hey guys, in this video, I got the chance to sit down with CJ (@ItsMeCJ), a fellow credit card/personal finance YouTuber. Not only do we talk about our thoughts on how to become successful in the credit card game from your very first credit cards, but we also discuss the ever-growing debate of the Amex Gold vs. Rose Gold cards, our overall credit card setups and their similarities, his YouTube journey so far, and more, and much more.

This is the fourteenth episode in my Creator Conversations series where I talk with some of the most influential creators in the credit card/personal finance niche so we can all get to know them better outside of our regular topics of discussion. We all have many different passions that we don't get to talk about on our channels much, so I wanted to give everyone a place to talk about those things through this series. I hope you enjoy it!

CJ's Channel: @ItsMeCJ

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Card Links:
💳 Chase Freedom Cards: http://spencerjohnsonofficial.com/freedom
💳 Chase Sapphire Preferred: http://spencerjohnsonofficial.com/sapphirepreferred
💳 Bilt Mastercard: http://spencerjohnsonofficial.com/bilt
💳 Amex Gold: http://spencerjohnsonofficial.com/amexgold
💳 Amex Blue Business Plus: http://spencerjohnsonofficial.com/amexbbp
🔔 Make sure you look for the highest welcome offer you can find before using mine... particularly with Amex cards!

What's In My Wallet:
💳 My Cards: http://spencerjohnsonofficial.com/mywallet
🔔 If you don't see a card you want here, check the links on my "About" page!

☎️ Book a call with me here: https://spencerjohnsonofficial.com/consulting

FREE Stuff:
💰 Rakuten ($30-40 free): https://www.rakuten.com/r/SPENCE11500
💲 MaxRewards Gold (1 month free): https://maxrewards.app.link/spencer
🛍 Kudos (3 free months of Kudos Boost): https://joinkudos.com/spencer
💸 Ekster Wallets (5% off): https://shop.ekster.com/spencerjohnson

Join The Discord:
💻 The Credit Community: http://spencerjohnsonofficial.com/discord

Watch Next:
🎥 My ENTIRE Credit Card Journey At Age 23 (9 Cards): https://youtu.be/EqnYvV84Yfg
🎥 Chase Sapphire Preferred vs. Reserve (Why I Upgraded): https://youtu.be/nuIkx5tqpuA
🎥 Point Redemptions Playlist: https://spencerjohnsonofficial.com/redemptions
🎥 Capital One Venture X: Get Approved INSTANTLY: https://youtu.be/D292ypkLSaU
🎥 The BEST No-Annual-Fee Travel Credit Cards (SURPRISING Value): https://youtu.be/aJTvQqPmRPQ

CONNECT with me:
👉 Join our membership: https://spencerjohnsonofficial.com/creditclub
📷 Instagram: https://www.instagram.com/spencerjohnsonofficial
🎞 TikTok: https://www.tiktok.com/@spencerjohnsonofficial
📱 Pushie: https://spencerjohnsonofficial.com/pushie
✅ My Website: https://zaap.bio/spencerjohnson

📚 Chapters:
00:00 Creator Conversations (Episode 14)
01:49 CJ’s Overall Credit Card Strategy
06:42 How To Win The Credit Card Game From Your First Card
12:11 How CJ Manages His Card Applications (10 Cards)
18:35 Why CJ Is On Team Travel But Doesn’t Travel Very Frequently
22:34 What Types Of Trips Does CJ Want To Redeem Points For?
28:09 What’s In CJ’s Wallet?
39:04 What’s In My Wallet?
43:35 How We Booked Our Trips For The Vegas Meetup
49:10 How CJ Uses His Less Utilized Cards
52:24 If CJ Could Only Have Cards From One Lender, Who Would It Be?
57:50 How/Why CJ Got Started On YouTube
1:03:22 Dealing With The Mental Toll Of YouTube
1:08:19 Our Favorite Things About Having A YouTube Channel
1:11:33 CJ’s Goals For His Channel In The Next 12 Months
1:15:36 Does CJ Want To Take YouTube Full-Time?
1:20:31 Where To Find CJ

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Disclaimer:
The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Spencer Johnson is not a financial advisor. This video is for entertainment and educational purposes only, it is not financial advice.

This page contains affiliate links, meaning that I may earn a commission if you click through these links and sign up or buy the product or service mentioned.

#creatorconversations #itsmecj #creditcards