Amex Platinum.

@financewjosh

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SoundTikTok sound · original sound - financewjosh

Why it worked

The video uses a popular, high-engagement format (tier list) to provide quick, actionable financial advice, making complex product comparisons digestible and highly shareable.

Summary

The creator ranks popular credit cards based on their fees, rewards, and overall value. He provides a brief critique of each card's pros and cons to justify their tier placement.

Structure

1Introduction of the tier list concept
2Critique of the American Express Platinum
3Critique of the Apple Card
4Critique of the Discover Card
5Critique of the Robinhood Gold Card
6Critique of the Capital One Venture X

Product placement

American Express Platinum (a) ACTS: the creator evaluates its fee, lounge access, and utility as a travel card. Removing it would change the video's content. Apple Card (a) ACTS: the creator evaluates its fee, lack of perks, and cash back structure. Removing it would change the video's content. Discover Card (a) ACTS: the creator evaluates its fee, approval process, and cash back structure. Removing it would change the video's content. Robinhood Gold Card (a) ACTS: the creator evaluates its fee, membership requirements, and cash back structure. Removing it would change the video's content. Capital One Venture X (a) ACTS: the creator evaluates its fee, travel credits, and rewards structure. Removing it would change the video's content.

Original caption

Ranking the most popular credit cards from D tier to S tier — some of these might surprise you 💳 Which one do you have? #CreditCards #CreditCardTierList #PersonalFinance #FinTok #MoneyTok

More from @financewjosh

Call to action

Which one do you have?

On-screen text

CREDIT CARD TIER LIST 💳 (FALL 2026) AMEX PLATINUM S TIER IS WHAT IF I WAS PERFORMATIVE. THIS IS ACTUALLY D TIER. 8 95 A YEAR NOW. THEY JUST JACKED UP THE FEE $200. THE LOUNGES ARE ELITE, BUT ARE OFTEN TOO CROWDED TO EVEN GET IN. AND IF YOU'RE NOT FLYING THROUGH A MAJOR HUB WITH ONE, YOU'RE PAYING PREMIUM PRICES FOR A CARD YOU'LL BARELY USE. APPLE CARD D TIER 0 ANNUAL FEE, BUT THERE'S NO SIGN UP BONUS, NO TRAVEL PERKS, AND YOU ONLY GET 3% BACK ON APPLE APPROVED MERCHANTS. EVERYTHING ELSE IS 1%, WHICH IS NOTHING. DISCOVER CARD A TIER NO ANNUAL FEE, EASY APPROVAL, AND 5% CASH BACK ON ROTATING CATEGORIES. STILL ONE OF THE BEST FIRST CARDS YOU CAN GET. ROBINHOOD GOLD CARD S TIER NO ANNUAL FEE ON THE CARD ITSELF, BUT YOU NEED A ROBINHOOD GOLD MEMBERSHIP. IN EXCHANGE YOU GET 3% CASH BACK ON LITERALLY EVERYTHING. SPEND 1700 DOLLARS A YEAR AND THE MEMBERSHIP PAYS FOR ITSELF IN REWARDS. THIS IS ONE OF THE HIGHEST FLAT CASH BACK RATES ON THE MARKET RIGHT NOW. CAPITAL ONE VENTURE X S TIER 395 A YEAR, BUT YOU GET $300 IN TRAVEL CREDIT, 10,000 BONUS MILES EVERY SINGLE YEAR, LOUNGE ACCESS, AND 2 X MILES ON EVERYTHING. AFTER THE CREDITS YOU'RE BASICALLY PAYING $95 FOR A PREMIUM TRAVEL CARD.

Transcript

Amex Platinum. S tier is what I would say if I was performative. This is actually D tier. 895 a year now. They just jacked up the fee $200. The lounges are elite, but are often too crowded to even get in. And if you're not flying through a major hub with one, you're paying premium prices for a card you'll barely use. Apple Card. D tier. 0 annual fee, but there's no sign up bonus, no travel perks, and you only get 3% back on Apple approved merchants. Everything else is 1%, which is nothing. Discover Card. A tier. No annual fee, easy approval, and 5% cash back on rotating categories. Still one of the best first cards you can get. Robinhood Gold Card. S tier. No annual fee on the card itself, but you need a Robinhood Gold membership. In exchange you get 3% cash back on literally everything. Spend 1700 dollars a year and the membership pays for itself in rewards. This is one of the highest flat cash back rates on the market right now. Capital One Venture X. S tier. 395 a year, but you get $300 in travel credit, 10,000 bonus miles every single year, lounge access, and 2x miles on everything. After the credits you're basically paying $95 for a premium travel card.