RARE Apple Card BONUS + 3 Amex Bonuses Up to $2000 (Act Fast)

In this video I want to talk about four things. We have a new amazing bonus on the Apple card where you could potentially earn four percent on all of your spend through Apple Pay for a year and six percent on Apple products as well as several other merchants. We'll tell you how you can get this. Then we have an offer ending today on the Rakuten Amex card. This could be a good one to get in preparation for Black Friday and today is the last day that you can get the elevated bonus on this card then we have two new bonuses on cards from So let's look at the Apple Card first. You probably are all aware of the Apple Card. It is the co-branded Apple credit card that earns cash. Oh, and it has a cool titanium metal card, which isn't bulletproof. I know, because I've tested it. So this is the Apple card. This is made of titanium. Look, Goldman Sachs right there. And whoa, it's a pretty big hole there. So yeah. Not bulletproof. So anyway, this was posted by Doctor of Credit. Basically, people are getting emails about an awesome welcome bonus, which is basically double cash back for the first year. So here's a screenshot of the email. It says 6% back on every purchase. Well, actually, that's just Apple and select merchants. So yes, if you are very careful and only shop at these specific places, here's the full list. But as you can see, it would be quite hard to only shop at those places. There's not even a supermarket on there. So more realistically, you're going to be getting 4% back on most purchases as long as you use Apple Pay, which is still great. The limit for this bonus cashback is $1,000. So you'd have to spend $25,000 in a year at 4% to hit that limit. So how do you get this? Well, there is a bit of confusion about this. You see, it was sent out as an email, but the application link From that email appears to be a public link that anyone can click on, although you will only see the bonus that you are offered after Apple approves you. Good thing with Apple is that there is no hard credit check if you apply, but don't accept the offer they give you. So you can try it with no risk. I unfortunately already have an application for the Apple card active, so normally it won't show you a new offer. If you already have an offer on the table, okay, I have an offer that I haven't accepted, but I'll paste that link down below in case you guys want to try it. All right, let's move on to the next story, the Rakuten Amex card bonus ending today. So Rakuten is an online cashback platform that lets you click through from their site to some of your favorite merchants and earn extra cashback or Amex points or built points in addition to what you earn on the credit card that you used for that purchase. They also have a credit card of their own, and that lets you earn an extra 4% cashback on every Rakuten purchase. And remember, that can alternatively be redeemed as Amex points or Bilt points too. So potentially an extra four points per dollar on every Rakuten purchase. And it's also 10% or 10 points per dollar on Rakuten's dining program. Now, this card isn't exactly known for its welcome bonuses, okay? Like many other cards that offer really generous rates on regular spending, They tend to be light. Welcome bonuses. In fact, this card normally just offers a bonus of $100 for spending a whopping $1,000 in your first 90 days. But you can see on this chart that a $200 bonus for spending $2,000 comes along every once in a while for a very short period of time. Like it looks like a week or something. Well, we are currently in one of those very short periods of time because there is currently a $200 welcome bonus on this card, but it ends today. So if you are interested in this You need to apply today. Today, like right now. And obviously, if you're not a member of Rakuten, you'll need to sign up for Rakuten first before you sign up for the card. But Rakuten is a great thing to be signed up for, especially in preparation for Black Friday later this month, where they'll be offering like 15% cashback or 15 Amex points per dollar at a load of stores in addition to the discounts that you already get at those stores. So if you have the Rakuten Amex, that's going to be actually 19% cashback or 19 Amex points per dollar. I'll put a link to Rakuten in the description down below. And I think you get like $50 cashback for signing up through my link after you make a purchase. All right, let's move on to bonuses on two cards, a co-branded hotel card and a cashback But first, as a finance enthusiast, I really love tracking my net worth. And one of the best apps I've discovered for doing that is Monarch. It is a financial planning app that syncs with over 13,000 financial institutions so you can create a 100% clear picture of your finances. You have all your positive financial accounts like checking and savings, investments, any real estate you own, cars, and even things like valuable items. Your Rolex? Or you got any rare Pokemon cards? It is confirming that that is the most expensive trading card ever. They can all be entered into Monarch too. But then Monarch also links to all your accounts that are considered debts as well, Well, like credit card balances. Mortgages, car loans, et cetera, weighing them against your assets to give you a really accurate picture of your net worth. You can watch it increase in real time as you pay down mortgages and make investments. But what if it isn't going up? Well, that is because you are accumulating debt, but Monarch can help you with that too. Not only can it see all your transactions and income each month on all of your accounts that you have linked to it, so you can set a monthly budget for each category of spend and keep to it so you don't get into more debt, but it can also help you come up with a payment plan to pay down debts that you already have using the popular avalanche or snowball methods. And whatever method you choose, Monarch will give you a target date when you will be debt free, If you follow their plan exactly. and ad-free. You're the customer, not the product. They're not selling your data to third parties. You have both mobile and desktop versions with everything displayed in one clean dashboard. Monarch offers flexible budgeting options with customizable rules, AI-powered insights about your spending, and it is couples-friendly, so my wife can log in too and get a complete picture of our shared finances. So a big thank you to Monarch for partnering with me. Scan the QR code on screen now or click the link below to start your free trial, and my viewers also get 50% off their first year with code BEN50. So we're going to talk about the Marriott Bonvoy Bevy card first, this is kind of a in that sort of in-between area, okay? So it has a $250 annual fee. So I wouldn't really call it a mid-tier travel card. Those normally have like a $95 annual fee, but it's definitely not a premium travel card, okay? It's kind of in that in-between place, a little bit of a weird card. And due to the way this card is designed, it's best for frequent Marriott guests who want to rack up points quickly. It gives you features like an extra 1,000 points per stay, 18.5 points per dollar at Marriott, four points per dollar at restaurants and US supermarkets, a free night If you spend $15,000... This isn't just a sock drawer card where you pay $95 per year and you get a free night and then forget about it. You need to actually use it for it to be worth it considering there is a $250 annual fee. But now with this bonus, you could just get the card for the bonus and then cancel it after a year. So let's look at the bonus now. Earn 150,000 points plus a $250 statement credit after you use your new card to make $5,000 of purchases in the first six months of card This isn't a statement credit for just Just Marriott purchases, by the way, but a general statement credit applied against the balance on your card. To work out the value of the bonus, we will use the Points Guys valuation for Marriott points of zero point seven five cents each. So the one hundred and fifty thousand points is worth one thousand one hundred and twenty five dollars. And then if we add in the two hundred and fifty dollar statement credit to that, it becomes one thousand three hundred and seventy five dollars. If we then deduct the annual fee, that leaves us back down to $1,225. So do you notice something like that? A little bit of a pattern there? The statement credit is the exact same amount as the annual fee. So they could have just said annual fee waived for the first year, but maybe it makes it sound like more value if they word it this way. But anyway, it is the same effect. Your annual fee is effectively cancelled out by the statement credit and you get $1,125 worth of Marriott points. This offer ends on January 13th, 2027. So get it while you can. All right, final story of the day. An Amex card with a $2,000 cashback bonus. So we have a new bonus on the Amex Graphite business card, and this is one of those up to X amount bonuses, depending on if Amex offers it to you when you apply. But you could get offered a lower amount. There is also a fixed $1,500 offer out there as well. So that could be the lower amount they offer you if you don't get offered the $2,000 bonus. If you want that $2,000 offer to show up, you may need to go incognito mode on your browser or use a web browser that that you don't normally use. So that there are no Amex cookies. How much do you need to spend for this bonus, you may ask? Well, that is the thing. It's pretty high, okay? It's $50,000. But this is a business card. So if you have a business that does do a lot of monthly turnover, maybe you buy a lot of products to sell and you're able to use a credit card for those purchases, you could make that spending work for you and earn $2,000 on $50,000 in spend, which is basically 4% cashback. Add to that the regular 2% cashback that this card earns And effectively, you are earning 6% cash back, which would work out at $3,000 on your first $50,000 in spend. Now, this card does have an annual fee of $295, so take that into consideration too. But for a business that can spend $50,000 on the card in six months, I would say it's well worth it. At least for year one, despite the fee, you'll be getting $3,000 in cashback. All right, guys, that is the video for today. Thanks for watching. And a big thank you to Monarch for partnering with me. Scan the QR code or click the link in the description down below to start your free trial. And my viewers will also get 50% off their first year with code BEN50. Please subscribe if you're new. We'll see you next time. Bye-bye.