00:00After her tearful Olympe Mon Dieu, her Olympic coverage at Paris,
00:05Celine Dion's doing it again, and only Brian Kelly could fly La Première to Paris to see Salon.
00:12Celine, you're really doing it.
00:13Celine is, funny story, when I wanted to start The Points Guy, all my friends, even my parents were like,
00:18you can't quit Morgan Stanley, and I believed in it, I knew I was onto something,
00:22and Celine Dion has a song called Taking Chances, and I was walking through Times Square,
00:26and I listened to the song, and I went straight to my boss, and I was like,
00:29you know, I need to take a chance, and I quit my job.
00:31So Celine Dion is the reason why The Points Guy is what it is today.
00:34Okay, you paid for the Celine Dion concert in cash, right? You didn't use Points Guy?
00:39Well, I used a credit card. Always use credit cards. I never pay cash, because credit cards,
00:43and also the Sapphire Reserve has a StubHub credit, so...
00:46I've used it twice.
00:47Yes.
00:47Thank you, Alex Iala of the U.S. Open.
00:51So yeah, so Celine, I will pay... All my flights and hotels are free, so yeah,
00:56I spent big to be front row, center, because, you know, this is my Olympics.
01:00This is your squirt.
01:01So in 2025, I think you had 28 credit cards. How many do you have in your wallet now?
01:06I have about 30 now. I'm keeping it, you know, I'm not going too crazy.
01:11There are people with over 100 credit cards, by the way.
01:13Do you have a default card?
01:15I do. The Built Palladium card. So Built, you can now earn points on your mortgage. I have two
01:20mortgages, and the Built Palladium, you get 2x on everything, plus rent or mortgage payment.
01:27Was that through Wells Fargo?
01:28It was. Now it's through a company called Cardless. So Built... Because when you think
01:33about your everyday spend, most credit cards only give you one point.
01:36Yes.
01:36Back to the whole inflation thing. There are now credit cards that allow you to earn so many more
01:41points than before. So the Built Palladium at 2x on everything is like my solid go-to.
01:47Not to be Debbie Downer, but I'll be Tom Downer. Is there a downside to this thing? I mean,
01:5110, you know, what's your annual fees on 28 credit cards? Is there a downside where people
01:57screw up the Brian Kelly formula?
01:58The downside would be, you know, on your cards like the Amex Platinum that comes with all these
02:03different credits is if you're not taking advantage. And I will admit, even with the Sapphire,
02:08you get free Apple Music. And I hadn't... You actually have to go in and click a single
02:12button to link your different accounts, which I hadn't done.
02:15You hadn't done that.
02:16I hadn't for a couple of the credits that I thought I was getting. So it takes a little
02:20bit. But I, you know, the $795 on the Sapphire card, I get way more than that in value a
02:25year from the StubHub, from the travel credit. So I actually think no annual fee cards are huge
02:31waste. My dad always said cheap is expensive. So for the people out there with no annual fee cards
02:36and who are spending a lot, you're actually losing value.
02:40What was the last time you paid full fare for an airplane flight?
02:44I just, you know, it's funny because I can through, you know, and I pay for all my travels
02:48when I review airlines. Even though I can, I just still am like, it's against, but I mean,
02:53domestic flights all often pay, but I'm using the travel portal points, like Amex points.
02:58You're still gaming it.
02:59Yeah. But yeah, it goes against your, your, to pay for it. Yeah.
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