And Jackson was hardly alone: Lots of otherwise well-adjusted and apparently high-earning adults posted videos of themselves delightedly unboxing credit cards like 4-year-olds unwrapping Dora the Explorer dolls. Jackson’s spontaneous taping, which has garnered more than 20,000 views, represented a dream release for Chase’s credit card execs. The deal was so good, Chase had many borrowers downright giddy about ponying up what seemed to be a relatively paltry $450 annual fee. It came with a 100,000-point intro bonus (worth between $1,500 and $2,000 on travel depending on how you valued the points), a $300 travel credit, bonus points for travel and dining spending, and access to hundreds of airport lounges across the world. The offer seemed insane, and far too good to be true.

The premium credit card had just been released, and it was already dominating the Internet-at least, the parts of the Internet susceptible to domination by credit card. On August 23, 2016, Mark Jackson, under the rather aspirational handle Jackson Jetsetting, posted a nearly silent 45-second cinema verité video on YouTube of himself opening a package and pulling out the first ever viral credit card: the Chase Sapphire Reserve.

Sapphire reserve