We're continuing our conversation from last week with our deep dive on four of the most popular

premium credit cards. Keep listening to hear how they ultimately stack up against each other

when all is said and done. Welcome to Points Talk with the Travel Mom Squad. We are three moms

who've discovered how to leverage credit card welcome offers to get hundreds of thousands of dollars of travel

expenses for nearly free. We've used credit card points of miles to take vacations to places like

Hawaii, Paris, Greece, Maldives, Japan, and so much more. And the best part, we each still have

800 plus credit scores. Imagine being able to take the vacation of your dreams for

nearly free. It's totally possible and we're here to show you how. Hey, I'm Alex. And I'm Pam,

Alex's mom. And I'm Jess. Let's Talk Points. As a recap, last week we started a discussion on the four

most popular premium credit cards, the American Express

Platinum card, the Capital One Venture X, Chase Sapphire Reserve, and the City Strata Elite.

We covered each of their rewards and earning power, plus the perks and lifestyle benefits

that come with each of those cards. Today, we're going to cover a bit more about

these cards and then we'll each share which one we would pick if we could only have one.

So Pam, why don't you kick us off? Now we're going to do a value versus cost analysis, which is

basically, this is what the annual fee is. Here's how we, you know, redeem some of the benefits to

offset that fee, kind of do a battle, a battle of the value. First, I just want to start out by saying,

it is probably a no-brainer always worth it for the first year. That first year you apply for one

of these cards and you're going to get that

welcome offer. It's always worth it. Now, I think this is more for whether you're going to

keep this card long term or not. A lot of people, they just freak out. They think a $800, $895 annual

fee, I will never do that. And they tune off and they just say, that's never

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