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#136: Credit card expert Sebastian Fung joins Chris to discuss the current state of credit cards including recent changes to reward programs, and predictions for 2024. They also dive into topics such as misconceptions about opening multiple cards, whether its still worth chasing status, how to approach sign-up bonuses versus multipliers, credit cards with the most bonuses and more!\nSebastian Fung is a personal finance expert who runs AskSebby, one of the largest YouTube channels focused on credit cards and travel points. He is also the co-founder of Roadrunner Ventures and Cardonomics, a startup that helps creators automate compliance and make affiliate income from credit cards and bank accounts.\nLink to Full Show Notes: https://www.allthehacks.com/state-of-credit-cards-2023\n\nPartner Deals\nAthletic Greens: Free 1 year supply of Vitamin D and 5 free travel packs\nFabric: Affordable term life insurance for you and your family\nMasterClass: Learn from the world's best with 15% off\nCopilot: Free 2 months access to my favorite personal finance app with code HACKS2\nFor all the deals, discounts and promo codes from our partners, go to:\xa0allthehacks.com/deals\n\nResources Mentioned\nSebastian Fung: Website | YouTube | Instagram | Ask Sebby Business\n\nCiti Bank Cards\n\n\nCalculators for Expected Credit Card Value\n\nAll the Hacks:\n\nCredit Card Site\n\nCard Optimizer Spreadsheet\n\nRewards Cards\n\nCapital One Venture X Business\n\nCiti\xae Double Cash Card\n\nCiti Premier\xae Card\n\nThe Platinum Card\xae from American Express\n\nMarriott Bonvoy Brilliant\xae American Express\xae Card\n\nCashback Cards\n\nBank of America\xae Cash Reward Cards\n\nAmerican Express Platinum Card\xae for Schwab\n\n\nFull Show Notes\n(02:08) How Sebastian Got into the Points Game\n(04:15) The Current State of the World of Points & Miles\n(05:37) Is Chasing Airline Status Worth It?\n(09:03) Thoughts on Hotel Status\n(11:46) Status Program Changes to Expect in 2024\n(13:20) Biggest Changes to the Credit Card Game\n(19:54) American Express Pulling Out of Delta Lounges\n(20:51) Credit Card Changes to Expect in 2024\n(21:44) Sebastian\u2019s Equinox Hack\n(22:53) Earning Limitations Due to Legislation Changes\n(24:55) Do Credit Card Companies Like Power Users?\n(26:03) Chasing Welcome Bonuses vs. Multipliers and Bonuses\n(28:41) Misconception about Opening Up Multiple Cards\n(29:39) The Unpublished 524 Rule\n(32:34) Cards with the Most Bonuses\n(34:37) Cashback Cards\n(36:20) Amex Membership Strategy\n(44:20) Playing the Points Game vs. Cashback Cards\n(46:11) Ways to Increase Spend to Hit Bonuses\n(47:51) Different Ways to Use Points\n(50:24) Best Airline Cabin Experience\n(52:40) Using Delta Points to Get Good Value\n\nConnect with All the Hacks\nAll the Hacks:\xa0Newsletter\xa0|\xa0Website\xa0|\xa0Membership\xa0|\xa0Email\nChris Hutchins:\xa0Twitter\xa0|\xa0Instagram\xa0|\xa0Website\xa0|\xa0LinkedIn\n\nEditor\u2019s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.