The Points Guy has 'a near perfect' credit score—here are the 3 cards he can't live without via CNBCMakeIt
Brian Kelly realized he had a knack for maximizing credit card rewards when he was working in HR at Morgan Stanley.
"I've got 25 credit cards and a near perfect credit score," Kelly tells Make It,"but that's because I really manage them. … A key thing with earning points through credit cards is you must pay your bill off in full every month. Otherwise, the interest that you pay will negate the value of those miles and points."Kelly uses the Amex Gold on a daily basis. It's a"no-brainer" for those who like to dine out or order in, he says.
Additional perks: $120 annual dining credit; $100 annual airline fee credit; no foreign transaction feesThis card"stands out for offering an application fee credit for Global Entry or TSA PreCheck — many other cards that offer this benefit have annual fees above $400," TPG reports."Meanwhile, the Venture has a $95 annual fee that's waived the first year, and the Global Entry application fee credit is worth $100.
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