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Don't get the Amex Platinum. Capital One Venture X instead. Don't get the Chase Sapphire Reserve. Chase Sapphire Preferred instead. And definitely do not get the Amex Blue Card. Robinhood Gold Card instead. Here's why. Most people get the highest annual fee credit card thinking that it's a flex, but they don't actually end up using any of the benefits. We're literally paying thousands of dollars on fees when you're not taking advantage of any of the perks like lounge access or any of the dining credits that they offer. All the cards that I mentioned right here have a significantly lower annual fee and they give you the most bang for your buck, especially if you're a beginner. And if you wanna see part two of these ratings, make sure to hit that follow.