age of huge sign up bonuses both amex and chase um yeah not city i don't know why city doesn't give any huge bonuses but um mx and chase are like you know they're even on their earnings call their amex talking about yeah we're really going hard on custom acquisition in NUMBER_TOKEN so yeah why is that do you think it's because you're just they want to compete with chase and chase wants to be with amex i think yeah i think there's kind of a battle going on between amex and chase right now because they are the two biggest well actually no not the biggest i think city actually issues more cards but that's because they have like costco and american airlines and stuff but um yeah amex and chase are definitely battling you know for domination of of the whole space got it what do you think the best offers are right now best offers undoubtedly is going to be the NUMBER_TOKEN NUMBER_TOKEN on the sapphire preferred my hack for that though is that if you want the sapphire reserve so you get the lounge axe and everything lounge access and everything you apply for the preferred first get the hundred thousand points and then after a year upgrade to the reserve um now when you upgrade are you still eligible for the sign up bonus on the reserve yeah so you can you can oh sorry no so what you can do you can get the bonus on the preferred so you have that hundred thousand in your account once you've upgraded to the reserve if you've kept those points for a whole year once you have the reserve the points are going to be worth more they're going to be worth NUMBER_TOKEN cents a point instead of uh NUMBER_TOKEN so you get a thousand five hundred dollars in value instead of one thousand two hundred fifty dollars in value but first i wanna thank our sponsor ladder really quick i wanna talk about the things that fundamentally change the way that we live these things are called disruptors disrupters are things such as youtube smartphones and even internet banking jack another disruptor is actually our sponsor today ladder ladder basically took the life insurance industry flipped it upside down and shook out all the inefficiencies before ladder you actually have to drive across town fill out a ton of paperwork and then you still had to wait six to eight weeks to find out if you were approved not to mention the countless amounts of phone calls that you would get from other agents trying to bundle your life insurance with car insurance but now we live in a new era an era where i can buy dogecoin at the click of a button an era where i can drink milk straight from the carton wait a second i didn't know about that one alex but most importantly an era where you can get approved all online for term life insurance for NUMBER_TOKEN million or less in coverage and if you're between the ages of NUMBER_TOKEN and NUMBER_TOKEN and you want term life insurance to protect you and your family choose the latter go to URL_TOKEN iced coffee today to see if you are instantly approved that's URL_TOKEN iced coffee you mean URL_TOKEN iced coffee URL_TOKEN iced coffee thank you so much ladder for sponsoring this episode and back to the podcast you'd have to keep them for a whole year but um yeah the real reason is so that like the reserve is just a better card right now the stuff i preferred it only gives you two points per dollar on travel and dining it's actually not even it's not that great to be honest but you wouldn't
START_SPONSOR_TOKEN value but first i wanna thank our sponsor ladder really quick i wanna talk about the things that fundamentally change the way that we live these things are called disruptors disrupters are things such as youtube smartphones and even internet banking jack another disruptor is actually our sponsor today ladder ladder basically took the life insurance industry flipped it upside down and shook out all the inefficiencies before ladder you actually have to drive across town fill out a ton of paperwork and then you still had to wait six to eight weeks to find out if you were approved not to mention the countless amounts of phone calls that you would get from other agents trying to bundle your life insurance with car insurance but now we live in a new era an era where i can buy dogecoin at the click of a button an era where i can drink milk straight from the carton wait a second i didn't know about that one alex but most importantly an era where you can get approved all online for term life insurance for NUMBER_TOKEN million or less in coverage and if you're between the ages of NUMBER_TOKEN and NUMBER_TOKEN and you want term life insurance to protect you and your family choose the latter go to URL_TOKEN iced coffee today to see if you are instantly approved that's URL_TOKEN iced coffee you mean URL_TOKEN iced coffee URL_TOKEN iced coffee thank you so much ladder for sponsoring this episode and back to the podcast END_SPONSOR_TOKEN