Name: The Optimal Order For Getting New Credit Cards (2026)
Uploaded: 2026-03-30T15:02:08.000Z
Duration: 17 min 49 s
Description: 【看影片學英語】數萬部 YouTube 影片，搭配英漢字典即點即查，輕鬆掌握單字發音與用法，長久累積看電影不必再看字幕。

頻率副詞

So because I've got almost 30 credit cards and I run a YouTube channel talking about this stuff, I'm always getting asked the question, "What's the best credit card that I should get next?" And I think that's because the average person might assume there's some sort of secret card out there that maybe only people like me would know about.

因為我差不多有快30張信用卡，而且我還有一個在講這些東西的YouTube頻道，所以我總是會被問到這個問題：「我接下來應該要辦哪張最好的信用卡？」我想這是因為一般人可能會覺得，是不是有什麼祕密信用卡，只有像我這樣的人才知道。

未來簡單式

However, the truth is that the best credit card for you to get next is probably going to be very different than the best card for someone else, and that's because there's actually a very specific order you should be aiming to get your credit cards, and that order is going to be highly based on what previous cards you've opened in the past.

不過，事實是，你接下來要辦的最好的信用卡，可能跟別人要辦的最好信用卡會很不一樣，這是因為你實際上應該要有一個非常特定的順序來辦你的信用卡，而這個順序會很大程度上取決於你過去辦過哪些卡。

現在進行式

So whether you're starting from zero previous cards or you've got a few cards already, in this video I want to go over the exact optimal order for getting credit cards if your goal is to earn the most value possible in the shortest amount of time for either straight-up cashback or points and miles for travel.

所以，無論你是從零開始辦卡，還是已經有幾張卡了，在這支影片裡，我想跟大家講一下辦信用卡的確切最佳順序，如果你的目標是在最短的時間內，賺取最多的價值，不管是直接的現金回饋，還是旅行的點數和里程。

Now, honestly, I wish I knew this optimal order even existed before I got started with my own credit card journey because I definitely did not follow this and it led to a few mistakes like denials and sign-up bonuses I missed out on.

說實話，我真希望在我開始我的信用卡旅程之前就知道這個最佳順序的存在，因為我絕對沒有照著做，這導致了一些錯誤，像是被拒絕，還有錯過了開卡禮。

So with that said, the first card in this optimal order is going to be your choice of either a student credit card, a secured credit card, or one of plenty other starter cards that are out there on the market.

所以，說到這裡，這個最佳順序裡的第一張卡，會是你的選擇，可以是學生信用卡、保證信用卡，或是市面上其他許多入門卡之一。

Now, when most people are trying to get their first credit card, they quickly find out there's a pretty common catch-22 going on here, and that's the fact that you typically need some sort of credit history to get approved for a credit card, but without already having a credit card in the first place, building that history can be a bit of a challenge.

現在，當大多數人想辦第一張信用卡的時候，他們很快就會發現這裡有一個很常見的兩難，那就是你通常需要某種信用紀錄才能被核准信用卡，但如果你一開始就沒有信用卡，建立這個紀錄就會有點挑戰。

So that's where something like a student card comes into play because these cards are going to be designed specifically for students and other younger people who are at least 18 years or older with very little income or credit history at the moment.

這就是像學生卡這樣東西派上用場的地方，因為這些卡是專門為學生和其他年輕人設計的，他們至少18歲或以上，目前收入或信用紀錄非常少。

Now, student credit cards are only going to give you a super low credit limit to start out so that you can sort of learn how a credit card works as you begin making on-time payments with it, and there's a bunch of these student credit cards available to sign up for, but I've got a couple that I typically recommend for most people.

現在，學生信用卡一開始只會給你一個非常低的信用額度，這樣你就可以在開始按時付款的過程中，稍微學習信用卡是如何運作的，而且有很多這樣的學生信用卡可以申請，但我有幾張我通常會推薦給大多數人。

The first is the Chase Freedom Rise, which has no annual fee, earns 1.5% cashback on everything, and can even give you a $25 statement credit when you sign up for automatic payments within the first 3 months of opening your account and then remaining enrolled for at least 90 days.

第一張是 Chase Freedom Rise，它沒有年費，所有消費都有 1.5% 現金回饋，而且在你開戶後的前 3 個月內註冊自動付款並保持至少 90 天，還可以獲得 25 美元的帳單抵扣額。

Chase also says that you can increase your approval chances for this card with Chase Banking by either taking an existing Chase Bank account you have or opening a new one and then depositing at least $250 into that account before completing an application for the Freedom Rise.

Chase 也說，透過 Chase Banking，你可以增加這張卡的核準機會，方法是使用你現有的 Chase 銀行帳戶，或開立一個新的帳戶，然後在申請 Freedom Rise 之前，往該帳戶存入至少 250 美元。

Also, by getting started with this student credit card, you're going to start developing your relationship with Chase, and that can honestly be really helpful later on in your credit card journey when you start looking at some of the other better cards Chase offers, which we'll talk more about in just a bit.

而且，透過這張學生信用卡，你就能開始和 Chase 建立關係，這在之後你開始尋找 Chase 其他更棒的信用卡時，真的會很有幫助，這部分我們稍後會再多聊聊。

Then the other student card I'd recommend would be the No Annual Fee Discover It Student Cashback Card, and this one's great because it earns 5% cashback on rotating quarterly categories like grocery stores, restaurants, gas stations, and more, and that's up to the quarterly maximum of $1,500 of combined spending in those categories each quarter when you activate it.

再來，我會推薦的另一張學生卡是沒有年費的 Discover It Student Cashback Card，這張卡很棒，因為它在每季輪替的類別消費上有 5% 的現金回饋，像是超市、餐廳、加油站等等，每季最高可以享有 1,500 美元的消費額度，但記得要先啟用。

Discover is also famous for their unlimited dollar-for-dollar match of all the cashback earned on cards like this in your first year, so if you're a student but you actually have a decent amount of spend, then this could be a great option to earn a lot of cashback.

Discover 也以他們在第一年無上限的現金回饋配對而聞名，所以如果你是學生但消費量不錯，這張卡會是賺取大量現金回饋的好選擇。

Now, if you're having a hard time getting approved for a student card that gives you an unsecured credit limit like those first two options, then your next best bet is going to be to look into opening a secured credit card, and there's actually a secured version of the Discover It that I'd say is a good no annual fee card as well.

現在，如果你申請學生卡時，比較難被核准拿到像前面兩張那樣的無擔保信用額度，那麼你的下個最佳選擇就是考慮申請一張保證信用卡，而且 Discover It 也有推出保證卡版本，我認為這也是一張很棒的無年費卡。

Just keep in mind, though, that with a secured credit card, you're going to have to put down a refundable security deposit of a few hundred dollars or so that's going to act as the amount you'll get a credit limit for.

不過要記得，保證信用卡需要你先支付幾百美元的押金，這筆押金是可以退還的，而這筆押金就是你將獲得的信用額度。

That way, you can start to build credit responsibly, but the issuer can kind of rest easy knowing they've got your deposit, which they're only going to keep in the event you decide not to repay them what you owe.

這樣一來，你就可以開始負責任地建立信用，而發卡機構也能安心，因為他們有你的押金，除非你決定不償還欠款，否則他們是不會扣留這筆錢的。

Don't worry, though, because after 7 months, Discover is going to begin automatic monthly account reviews to see if you qualify to be upgraded to an unsecured credit card with them where they can give you that deposit back.

別擔心，因為 7 個月後，Discover 會開始自動進行每月帳戶審查，看看你是否符合升級成無擔保信用卡的資格，屆時他們會退還你的押金。

But in the meantime, while you're using the secured Discover card, it does give you some decent rewards like 2% cashback on gas stations and restaurants up to a certain amount each quarter, as well as that unlimited dollar-for-dollar cashback match in your first year.

但同時，在使用這張保證 Discover 卡期間，你還是能獲得不錯的回饋，像是每季在加油站和餐廳消費最高有 2% 的現金回饋，以及第一年的無上限現金回饋配對。

Then a few other starter cards I like are the US Bank Alts2 Go Secured, the Chime Card, and the Capital One Platinum if you want to look into any of those as well.

另外，我還喜歡幾張入門卡，像是 US Bank Alts2 Go Secured、Chime Card，還有 Capital One Platinum，如果你有興趣也可以研究看看。

But the key thing here is that all those cards I just mentioned have no annual fee, so above all else, make sure to go with a $0 card to begin your credit card journey because there's really no need to be paying anything to start building credit, in my opinion.

但最關鍵的是，我剛剛提到的所有卡片都沒有年費，所以最重要的是，請務必選擇一張零年費的卡來開始你的信用卡旅程，因為在我看來，根本沒必要花錢來建立信用。

Also, I got to mention the golden rule here with credit cards if you're new to this stuff, which is to always pay your statement balance on time and in full by the payment due date every single month, and that's because doing that is going to avoid interest, which is one of the main goals when using credit cards responsibly.

另外，關於信用卡，如果這是你剛接觸的新領域，我一定要提到一個黃金法則，那就是每個月都要準時、全額繳清你的帳單餘額，因為這樣做可以避免產生利息，這也是負責任地使用信用卡的主要目標之一。

All right, now after about 12 months or so of using a student, secured, or other starter card to set a solid foundation, next year we're going to start ramping things up a bit and getting into the fun stuff by opening some better credit cards, and these cards are going to be better because they're offering higher credit limits, more benefits, elevated rewards, and most importantly, larger sign-up bonuses that are really going to be key here for helping us to unlock a lot of value in the shortest period of time.

好的，在使用學生卡、保證卡或其他入門卡建立穩固基礎大約 12 個月後，明年我們就要開始稍微升級，進入更有趣的部分，也就是申辦一些更好的信用卡。這些卡片會更好，因為它們提供更高的信用額度、更多福利、更優渥的回饋，最重要的是，還有更大的開卡禮，這對我們在最短時間內發揮最大價值至關重要。

Now, the only problem with unlocking all this value is that each credit card issuer is going to have these different rules and these things they're looking out for that are going to essentially determine how likely they are to approve or deny you, and so that's why this optimal order even exists because you have to kind of understand and then navigate these rules so that way you don't get cards in the wrong order and then accidentally leave a ton of value on the table.

現在，要發揮這些價值的唯一問題是，每家發卡機構都有不同的規則和他們在意的重點，這會決定你被核准或被拒絕的可能性。這也是為什麼會有這個最佳順序，因為你必須理解並掌握這些規則，這樣才不會把卡片順序弄錯，然後白白錯失很多價值。

So for the next few credit cards in this optimal order, I'd go for either the normal Discover It card if you didn't already get the secured or the student version of this card previously because Discover is just really good early on.

所以，在這個最佳順序裡，接下來的幾張信用卡，我會推薦 Discover It 一般卡，如果你之前沒有申辦過保證卡或學生卡版本的話，因為 Discover 在初期真的很好用。

But then after that, I'd move on to two no annual fee Chase cards, which are the Freedom Unlimited and the Freedom Flex.

但在那之後，我會接著申辦兩張沒有年費的 Chase 信用卡，分別是 Freedom Unlimited 和 Freedom Flex。

The Chase Freedom Unlimited earns 1.5% back on the all other purchases category, and then the Freedom Flex earns 5% back in rotating quarterly categories for up to $1,500 in combined spending on those categories each quarter, similar to the Discover It card, but usually the rotating categories on these two cards don't overlap.

Chase Freedom Unlimited 在所有其他消費類別可賺取 1.5% 的現金回饋，而 Freedom Flex 在每季輪替的消費類別中，每季最高可賺取 5% 的現金回饋，每季合併消費上限為 1,500 美元，這和 Discover It 卡類似，但通常這兩張卡的輪替類別不會重複。

Also, even though these Chase Freedom cards are advertised as earning cashback, if you read the fine print on Chase's website, you're actually going to be earning ultimate rewards points here, and that's important for later on.

另外，雖然這些 Chase Freedom 卡被宣傳為賺取現金回饋，但如果你仔細閱讀 Chase 網站上的細則，你會發現實際上是賺取 Ultimate Rewards 點數，這對之後很重要。

So a pro tip is that if you're interested in using your Chase points for travel, then I would save up those points until you get certain other Chase credit cards in the near future.

所以一個小提示是，如果你對使用 Chase 點數來旅行感興趣，我會建議你先累積這些點數，直到你未來不久能申辦到其他特定的 Chase 信用卡。

Now, as far as spacing out when you might want to apply for each credit card, I like to recommend opening a new card every 3 to 6 months on average, and that's for two main reasons.

關於何時申辦每張信用卡的時間間隔，我通常建議平均每 3 到 6 個月申辦一張新卡，這主要有兩個原因。

First, spacing out new credit card applications by 3 to 6 months allows the hard inquiries associated with those applications to kind of settle so that way your credit score can recover nicely after each one.

首先，將新信用卡申請的時間間隔拉開 3 到 6 個月，可以讓相關的信用查詢稍微沉澱，這樣你的信用分數在每次申請後都能好好恢復。

And then second, I found that spacing everything out like that really just helps you to avoid overspending as you work towards the sign-up bonuses on each new card.

然後第二點，我發現這樣把申請時間間隔開，真的能幫助你在努力賺取每張新卡開卡禮的同時，避免過度消費。

So those two cards I just mentioned typically come with offers that might be for something like $200 after spending $500 in the first 3 months, but other cards we're going to get to next year are going to have sign-up bonuses that require even more spending like a few thousand dollars in the first 3 to 6 months, so you never want to find yourself feeling like you're being forced to overspend just to get those bonuses.

所以剛才提到的那兩張卡通常會有像是「首三個月消費滿 500 美元送 200 美元」之類的優惠，但我們明年要介紹的其他卡，開卡禮可能需要更高的消費額，像是首三到六個月消費幾千美元，所以你絕對不想發現自己為了拿到這些回饋而被迫過度消費。

Now, the one thing that's really helped me keep my spending in check as I've used credit cards over the years has been apps that give me detailed insights into my spending habits, and the one app that I've really liked the most for this is Rocket Money, who's actually the sponsor of today's video.

現在，這些年來幫助我控制消費習慣的一大功臣，就是那些能提供我消費習慣詳細洞察的 App，而我最喜歡的 App 是 Rocket Money，他們也是今天影片的贊助商。

Rocket Money helps you save both time and money while also allowing you to manage your money better, and it does this through features like tracking your spending across any credit cards or other accounts you have, canceling unwanted subscriptions right within their app with just a few taps, creating customized budgets, and more.

Rocket Money 透過追蹤你所有信用卡或其他帳戶的消費、讓你輕鬆取消不需要的訂閱服務、建立客製化預算等等功能，幫助你節省時間和金錢，同時也能讓你更好地管理金錢。

So again, as you're getting more and more credit cards in the optimal order we're talking about here in this video, Rocket Money is going to allow you to see all your transactions across these cards in one single place.

所以再次強調，當你按照我們在這支影片中討論的「最佳順序」累積越來越多信用卡時，Rocket Money 會讓你一次看到所有卡片的交易紀錄。

That way, you don't have to log in and out of several different accounts from different issuers just to keep track of things.

這樣一來，你就不用為了追蹤事情而登入登出不同發卡銀行的好幾個帳戶。

Rocket Money's also been great for helping me and my wife stay on top of the various subscriptions we're paying for by automatically consolidating them into a list for us, and then again, with just a few taps, Rocket Money's able to cancel subscriptions we might not want anymore right within the app, which is super convenient.

Rocket Money 對於我和我太太追蹤我們付費的各種訂閱服務也很有幫助，它會自動將這些訂閱服務整理成一份清單，然後你只要在 App 裡輕鬆點幾下，就能取消我們不再需要的訂閱服務，這真的超方便的。

And then with the in-app budgeting feature from Rocket Money, we're also able to set how much we want to spend in different categories based on our savings goals, and we can then change up those amounts whenever we want to, which is useful for giving us flexibility to adjust things on the fly, especially when it comes to our travel spending, which is normally higher during certain months when we're actually redeeming our credit card points to go on a trip.

而且透過 Rocket Money 的 App 內建預算功能，我們也能根據儲蓄目標設定不同類別的預算金額，並且隨時更改這些金額，這對於在我們實際使用信用卡點數去旅行的某些月份，當旅行開銷通常較高時，給予我們彈性調整行程非常有用。

So to save more and spend less, go to rocketmoney.com/danielbron, or you can just scan the QR code on the screen right now, and we'll have a link down below in the description as well where you can get started for free or unlock even more features when you sign up for premium.

所以，想省更多錢、花更少錢，請到 rocketmoney.com/danielbron，或者掃描螢幕上的 QR Code，我們也會在下方的說明欄提供連結，你可以在那裡免費開始使用，或透過升級 premium 解鎖更多功能。

That's rocketmoney.com/danielbron, or check out the QR code on screen, and thank you again to Rocket Money for sponsoring today's video.

網址是 rocketmoney.com/danielbron，或掃描螢幕上的 QR Code，再次感謝 Rocket Money 贊助今天的影片。

Now, back to the optimal order for credit cards here.

接下來，我們回到信用卡的最佳順序。

So after you've got both the Chase Freedom Unlimited and the Freedom Flex, the next card I go for is the Chase Sapphire Preferred, which is actually going to be the first premium credit card in this order.

所以，在你拿到 Chase Freedom Unlimited 和 Freedom Flex 這兩張卡之後，我接下來會申請 Chase Sapphire Preferred，這其實會是這個順序裡的第一張頂級信用卡。

The Sapphire Preferred has a $95 annual fee.

Sapphire Preferred 的年費是 95 美元。

However, what you get for that annual fee is a really nice sign-up bonus that's going to be much higher than those no annual fee Chase cards.

不過，你付出的年費可以換來很不錯的開卡禮，這會比那些免年費的 Chase 卡來得高很多。

And if you ever want to see what current offers are available on some of the cards mentioned in this video, then I'll go ahead and leave some links down below for those as well if you want to learn more.

如果你想看看這支影片裡提到的某些信用卡目前有哪些優惠，我會把一些連結放在下方，如果你想了解更多的話。

Now, with the Sapphire Preferred, you're also going to start to get some more travel benefits, which includes a $50 annual Chase Travel Hotel Credit and a bunch of other great travel protections as well.

現在，有了 Sapphire Preferred，你也會開始享受到更多旅行福利，包括每年 50 美元的 Chase Travel Hotel Credit，以及許多其他的超棒旅行保障。

And on top of that, you're going to get the ability to transfer any Chase Ultimate Rewards points you've been earning on this card or any of the points you've been earning on the Freedom Unlimited and Freedom Flex too.

而且除此之外，你還可以轉移在這張卡上賺取的任何 Chase Ultimate Rewards 點數，或是你在 Freedom Unlimited 和 Freedom Flex 上賺取的點數。

Transferring points out to programs like World of Hyatt, United, Virgin Atlantic, Flying Blue, and many others is how people like myself are able to find ways to sometimes get double the value of our points or more.

將點數轉移到 World of Hyatt、United、Virgin Atlantic、Flying Blue 等計畫，這就是像我這樣的人，有時候能找到方法讓點數價值翻倍或更高。

So for example, if I had, let's say, 75,000 Chase points, I'm usually able to transfer those points to get around $0.02 per point, which makes those 75,000 points worth around $1,500.

所以，舉例來說，如果我有 75,000 點 Chase 點數，我通常能將這些點數轉移，每點大約能換到 0.02 美元，這樣 75,000 點點數就價值大約 1,500 美元。

Now, I'll be the first to admit that Chase credit cards aren't perfect, and there's definitely a lot of other credit cards out there to consider using over the long term as well.

我必須承認，Chase 信用卡並非完美，長期來看，市面上肯定還有很多其他信用卡值得考慮使用。

But I think that in terms of looking at the optimal order of things here, you just can't skip over Chase credit cards because the fact is that many of them have super valuable bonuses and some other features that make them worth checking out at least once in your credit card journey.

不過我認為，在考慮最佳順序時，你絕對不能忽略 Chase 信用卡，因為事實上，它們很多都有超有價值的開卡禮和其他特色，值得你在信用卡旅程中至少嘗試一次。

Also, Chase has an infamous 5/24 rule that you may have heard of, which says that if you've opened five or more personal credit cards across all issuers within the past 24 months, you will automatically be denied for any new Chase credit cards.

另外，Chase 有個臭名昭著的 5/24 規則，你可能聽說過，那就是如果你在過去 24 個月內，在所有發卡機構申請了五張或以上的個人信用卡，你就會自動被拒絕申請任何新的 Chase 信用卡。

So because of this rule and because of the value of the welcome offers on Chase cards, the optimal order of things is to prioritize Chase cards first while you're under that 5/24 rule and then go for credit cards from other issuers later on.

所以，因為這個規則，以及 Chase 卡的歡迎禮價值很高，最佳順序就是先優先申請 Chase 卡，在你還符合 5/24 規則時，然後再慢慢考慮其他發卡機構的信用卡。

All right, so after you've got that initial Chase trifecta of the Freedom Unlimited, Freedom Flex, and Sapphire Preferred, you should still be under 5/24, and so at this point in the optimal order, I would go after business credit cards if you can.

好的，所以當你拿到了 Freedom Unlimited、Freedom Flex 和 Sapphire Preferred 這三張 Chase 信用卡組合後，你應該還會符合 5/24 規則，所以在此最佳順序下，我會建議你接著去申請商業信用卡，如果你可以的話。

Now, before you skip past this step because you're thinking that you can't get business credit cards, just keep in mind here that most business cards out there are actually designed for small businesses and even people with side hustles.

現在，在你因為覺得自己辦不了商業信用卡而跳過這一步之前，請記住，市面上大多數商業信用卡其實是為小型企業，甚至是副業創業者設計的。

So you don't have to own some sort of massive corporation to get approved for business credit cards, but instead, if you do things like e-commerce, social media, consulting, tutoring, DoorDash, driving for Uber, or any other number of things that will qualify as a small business, then you should definitely be looking into business cards because they're going to be super useful for your business, and they typically have large sign-up bonuses.

所以你不必擁有一家大型企業才能獲準申請商業信用卡，而是如果你有做電子商務、社群媒體、顧問、家教、跑 DoorDash、開 Uber，或任何其他符合小型企業資格的事情，那麼你絕對應該考慮申請商業信用卡，因為它們對你的事業會非常有用，而且通常有很大的開卡禮。

Now, for most credit card issuers, their business cards are actually not going to be included in your Chase 5/24 account because they do not show up on your personal credit report.

現在，對大多數信用卡發卡機構來說，他們的商業信用卡其實不會計入你的 Chase 5/24 額度，因為它們不會出現在你的個人信用報告上。

However, certain issuers like Capital One have business cards that do show up on your personal report and do count towards 5/24, so just keep that in mind.

不過，有些發卡機構，像 Capital One，他們的商業信用卡會出現在你的個人報告上，並且計入 5/24，所以這一點要記住。

But what I'd recommend next year in this optimal order is to look into getting Chase business credit cards if you can because even though those don't count towards your 5/24 status, you do have to be under 5/24 to have a chance of getting approved for them in the first place.

但我建議明年在這個最佳順序下，是盡可能去申請 Chase 的商業信用卡，因為雖然那些不會計入你的 5/24 狀態，但你首先必須符合 5/24 規則才有機會申請到它們。

So if you ever find yourself being under 5/24, then I would take a look at the no annual fee Ink Business Unlimited followed by the Ink Business Cash.

所以，如果你發現自己符合 5/24 規則，那麼我會建議你先看看沒有年費的 Ink Business Unlimited，然後是 Ink Business Cash。

You probably want to keep spacing out these cards every 3 to 6 months as well because the minimum spend can be a bit higher to earn the larger sign-up bonuses.

你可能也想把這些卡片間隔三到六個月申請，因為最低消費額可能會比較高，才能賺到比較大的開卡禮。

But the cool thing here is that these two Ink cards actually earn the same Ultimate Rewards points as well that can be combined with your personal Chase credit cards after you just call up Chase to link your accounts.

但這裡很棒的一點是，這兩張 Ink 卡其實也賺取相同的 Ultimate Rewards 點數，只要打電話給 Chase 連結你的帳戶，就可以和你個人的 Chase 信用卡合併使用。

Then if you had some success in getting those first two Chase Ink cards, you might want to consider picking up the $95 per year Chase Ink Business Preferred as well, which has another nice welcome offer, and this card's also very useful if you have a lot of shipping or ad spend for your business.

接著，如果你成功申請到了這兩張 Chase Ink 卡，你也可以考慮申請年費 95 美元的 Chase Ink Business Preferred，它也有另一個不錯的開卡禮，而且這張卡如果你們公司有大量的運費或廣告支出，也會非常實用。

Now, at this point here in this optimal order, you can keep going after other business credit cards from Chase or even some business credit cards from maybe AmEx as well while you're under 5/24.

現在，在這個最佳順序下，你可以在符合 5/24 資格時，繼續申請 Chase 的其他商業信用卡，甚至可能是 AmEx 的一些商業信用卡。

But if you've been spacing out your applications for those personal credit cards from before, you may start to see some of those accounts get to be more than 24 months old, which is going to start decreasing your 5/24 count.

但如果你之前有把個人信用卡的申請間隔開來，你可能會發現其中一些帳戶已經超過 24 個月了，這將開始減少你的 5/24 額度。

So now we can start to shift our focus back over to opening our next few personal credit cards.

所以現在我們可以開始把焦點轉回開立我們接下來幾張個人信用卡。

And for this, anytime I want to open a new personal card, I always want to ask myself, "What's my Chase 5/24 count?" And if I'm under 5/24, then usually the most optimal thing to do is to continue looking at any other Chase credit cards.

而對此，每當我想開一張新的個人卡時，我都會問自己：「我的 Chase 5/24 額度是多少？」如果我還在 5/24 以下，那麼最理想的做法通常是繼續看看其他的 Chase 信用卡。

So personally, I would then start looking at whether there's any good offers going on for what we call keeper cards that Chase might have, and these are going to be co-branded hotel and airline cards that give some sort of benefit every single year that easily justifies their annual fee.

所以就我個人而言，我會開始看看 Chase 有沒有什麼我們稱為「長青卡」的好優惠，這些通常是聯名飯店和航空公司的信用卡，每年都會提供一些福利，足以輕鬆證明年費的價值。

Two examples of this that I'd be taking a look at would be the $95 per year World of Hyatt credit card and the $95 per year Marriott Bonvoy Boundless, and that's because each of these cards comes with a free night award that I know I'm going to easily use every year to book a night at a hotel that would normally cost way over $95.

其中兩個我會考慮的例子是年費 95 美元的 World of Hyatt 信用卡和年費 95 美元的 Marriott Bonvoy Boundless，因為這兩張卡都附帶一張免費住宿券，我知道我每年都會輕鬆使用它來預訂一晚飯店，而這晚的正常價格通常會遠超過 95 美元。

Then after getting any of those keeper cards from Chase or any other cards you might come across with really good limited-time offers, I'd also consider taking a look at the Prime Visa Next, and that's because this Chase card lets you earn an unlimited 5% cashback on Amazon for no annual fee as long as you're Prime member.

接著，在拿到任何這些 Chase 的長青卡或其他你可能遇到的、有很棒限時優惠的卡片後，我還會考慮看看 Prime Visa Next，因為這張 Chase 卡讓你只要是 Prime 會員，就可以在 Amazon 上賺取無限 5% 的現金回饋，而且沒有年費。

That's super valuable to have in your wallet for both cashback and travel-focused credit card users.

這對現金回饋和旅行導向的信用卡使用者來說，都非常有價值。

But now at this point in the optimal order here, after you're all satisfied with the Chase cards you've got under the 5/24 rule, now I would start to think about moving over to Capital One Next.

但現在按照這個最佳順序，在你對符合 5/24 規則的 Chase 信用卡都滿意之後，我會開始考慮轉向 Capital One。

The reason why we're going to move over to Capital One is because there's really two credit cards they offer that I think are worth picking up for the value they provide.

我們要轉向 Capital One 的原因，是因為他們有兩張信用卡，我認為非常值得入手，能提供很好的價值。

And since we're still early in our credit card journey, prioritizing Capital One can be a good idea because they tend to be a bit more strict with approvals if you have what they would consider too many cards.

由於我們還在信用卡旅程的初期，優先考慮 Capital One 是個好主意，因為如果你擁有的卡片太多，他們在核準方面通常會比較嚴格。

So this is one of those issues I ran into myself because I had 13 personal credit cards when I first tried applying for the Capital One Venture X, and they denied me twice for that card for having too many revolving accounts on my credit report, and I know a lot of other people out there have run into a similar issue.

這是我自己遇到的問題之一，因為我第一次申請 Capital One Venture X 時，手上有 13 張個人信用卡，結果因為我的信用報告上有太多循環帳戶，被拒絕了兩次。我知道很多人也遇到過類似的問題。

So with that in mind, I would go for the no annual fee Capital One Saver card next year while you still do not have too many personal credit cards showing up on your credit report.

所以，考量到這一點，在你信用報告上還沒有太多個人信用卡出現的時候，我建議明年可以先申請這張免年費的 Capital One Saver 卡。

And on top of the welcome offer you can get with a Saver card, you're also going to be able to earn 3% cashback on grocery stores, dining, entertainment, and popular streaming services.

除了 Saver 卡的開卡禮之外，你還可以賺取超市、餐飲、娛樂和熱門串流服務 3% 的現金回饋。

Then after the Saver card, I'd wait at least 6 months before applying for either the Capital One Venture or Venture X, which are both great premium travel cards.

接著，在拿到 Saver 卡之後，我會建議至少等 6 個月，再去申請 Capital One Venture 或 Venture X，這兩張都是很棒的高階旅行卡。

And the reason you want to wait at least 6 months here is because Capital One has a rule called the 1/6 rule, which says that they're typically only going to approve you for one of their credit cards every 6 months.

你之所以要至少等 6 個月，是因為 Capital One 有一條叫做「1/6 規則」的規定，意思是他們通常每 6 個月只會核准你一張信用卡。

So going with the Saver card and then the Venture or the Venture X after 6 months is going to help us to avoid breaking that rule.

所以，先申請 Saver 卡，然後在 6 個月後申請 Venture 或 Venture X，這樣就能幫助我們避免違反這項規定。

Now, at this point, I'd recommend sort of choosing a path of where you want to go next year in this optimal order.

所以，到這個階段，我會建議你規劃好明年要走的路線，照著最佳順序走。

So do you want to keep going down the path that has more upside value with earning points and miles for travel, or do you want to go down the path that has more simplicity and less annual fees with cashback?

所以，你是想繼續走能賺取更多旅行點數和里程的路線，還是想走更簡單、年費較低、以現金回饋為主的路線呢？

If you want to be mostly a cashback person, then cards like the Robinhood Gold card might be your best option next, and that's because this card earns 3% cashback on everything as long as you're a Robinhood Gold subscriber, which costs $50 per year.

如果你想走現金回饋路線，那麼像 Robinhood Gold 卡可能是你接下來的最佳選擇，因為只要你是 Robinhood Gold 的訂閱戶（一年費用 50 美元），這張卡就能讓你所有消費賺取 3% 的現金回饋。

You can also look to slowly get a bunch of other cards I'd recommend, like the AmEx Blue Cash Every Day or Blue Cash Preferred, the City Double Cash, the City Custom Cash, and maybe even a few other niche credit cards you might come across.

你也可以慢慢收集我推薦的幾張卡，像是 AmEx Blue Cash Every Day 或 Blue Cash Preferred、City Double Cash、City Custom Cash，甚至可能還會遇到一些其他小眾信用卡。

But basically, the goal here is to accumulate cards that are going to earn you anywhere from 3 to 5% cashback on pretty much all spend categories.

但基本上，我們的目標是累積能讓你幾乎所有消費類別都有 3% 到 5% 現金回饋的信用卡。

Just be aware, though, that again, with the cashback setup, you're typically not going to have as much upside value as you would with points and miles, and you're also not going to be earning as many super high sign-up bonuses because those tend to be more in the range of $200 or so for each new cashback-focused card you open.

不過要留意的是，現金回饋組合通常不像點數和里程那樣有那麼大的潛在價值，而且你也不會賺到那麼多超高的開卡禮，因為現金回饋卡的新戶禮通常大約是 200 美元左右。

If you want to keep going down the path of team travel, though, once you have those Chase and Capital One cards, the name of the game is really going to be to look out for elevated limited-time offers on cards from other issuers next.

如果你想繼續走旅行路線，一旦你有了 Chase 和 Capital One 的卡，接下來的重點就是留意其他發卡機構推出的限時加碼優惠。

And then outside of applying for cards with good limited-time offers, I'd also start focusing on city credit cards.

除了申請有不錯限時優惠的卡之外，我也會建議你開始關注 City 信用卡。

City's been stepping up their game a lot recently by adding transfer partners like American Airlines.

City 最近動作很多，像是加入了美國航空（American Airlines）這樣的轉移夥伴。

So I'd look into getting the Double Cash and Custom Cash over on the travel side of things as well because the Double Cash earns 2% or really 2X points per dollar on everything, and then the Custom Cash earns 5% or really 5X points per dollar on your top eligible spend category each billing cycle for up to $500 spent.

所以在旅行方面，我也會建議你考慮 Double Cash 和 Custom Cash，因為 Double Cash 每筆消費都能賺取 2% 或 2 倍點數，而 Custom Cash 則能在你每個月帳單週期內，針對消費最高的符合資格類別賺取 5% 或 5 倍點數，上限為 500 美元。

After that, I think adding the City Stratta Premier is going to be the best choice to complete the City Trifecta, which you can then compare to the Chase Trifecta and the Capital One Duo setups you might already have.

接著，我認為加入 City Stratta Premier 會是完成 City Trifecta 的最佳選擇，然後你可以將它與你可能已經擁有的 Chase Trifecta 和 Capital One Duo 組合做比較。

And then you can decide which cards out of those three setups might work best for you in being your go-to core credit card setup whenever you're not working on a sign-up bonus.

然後你可以決定這三種組閤中的哪些卡片最適合你，在你沒有專注於開卡禮時，作為你常用的核心信用卡組合。

Just remember also that as you now start accumulating all these different cards with annual fees at this stage in your credit card journey, if you find yourself not getting too much value from a card with an annual fee, then make sure you look into the possibility of downgrading that card to one with no annual fee.

同時也要記得，在你信用卡旅程的這個階段，當你開始累積各種有年費的卡片時，如果你發現一張有年費的卡片沒有給你太多價值，那麼請務必考慮將該卡降級成一張沒有年費的卡。

Now, City also has the Stratta Elite card, which has a nice sign-up bonus that you could check out as well if you want to because City does allow you to get a bonus on that card even if you've already got a bonus on the Stratta Premier.

現在，City 也有 Stratta Elite 卡，它有一個不錯的開卡禮，如果你願意的話也可以去看看，因為即使你已經拿過 Stratta Premier 的開卡禮，City 也允許你獲得這張卡的開卡禮。

But then at this point, again, you've got to keep looking at cards with offers that might work well for you.

但到這個階段，同樣地，你必須繼續關注可能適合你的優惠卡片。

Now, personally, I think there's still a ton of value from getting a built credit card at some point, even after all the recent backlash from their 2.0 update.

現在，我個人認為，即使在最近的 2.0 更新引起了許多負面評價之後，在某個時候獲得一張 built 信用卡仍然有很大的價值。

And that's because the fact is they're still the only program out there that lets you earn any points on housing without paying a transaction fee.

這是因為事實是，它們仍然是唯一一個讓你無需支付交易費用就能在住房方面賺取任何點數的計畫。

However, in terms of the optimal order here in this video, just keep in mind that sign-up bonuses are still going to provide the highest return on your spend, and only the built Palladium card is ever offered a sign-up bonus at the moment.

然而，就這支影片中的最佳順序而言，請記住，開卡禮仍然會提供你消費的最高回報，而且目前只有 built Palladium 卡提供開卡禮。

So I'd probably say to keep looking at higher bonuses on other cards first before checking out the built Palladium.

所以我可能會建議你先關注其他卡片較高的開卡禮，然後再去看看 built Palladium。