Credit card application rules vary by bank. Knowing the different rules increases your odds of approval when you apply for a card and helps you decide which card to apply for next. This is one of those not “too exciting” posts that is important to look at when you want to apply for a new […]

One of the best cards out there is not available to apply to anymore. The Ritz-Carlton card is one of my favorite cards that I keep and have no plans to get rid of. You may not be able to apply for it anymore but you can get it through a product change. These are […]

We love our credit cards for the points/miles we earn for free to nearly free travel. We also enjoy all the benefits each card offers us that make the annual fee worth paying year after year. Did you know that some credit cards come with cell phone protection? Let’s go over these as the cost […]

Do you have a favorite point and miles currency? I do. It wasn’t always my favorite but, as I have continued in my points and miles journey, I have found that I am always wanting more Ultimate Rewards. Let’s look at some ways we can accumulate more Ultimate Rewards.   How to Accumulate Ultimate Rewards […]

The card_name is our favorite card for beginners. It also comes with a $95 annual fee, which isn’t bad. One of the benefits of this card is an annual $50 hotel credit, which brings the annual fee down to $45. But how do you use the Sapphire Preferred hotel credit? First, you must book your […]

Maybe you’ve had a card for a while and you don’t ever use it, or you used to use this credit card but now you don’t feel the annual fee is worth it. Maybe you signed up for a credit card just for the signup bonus and never had the intention of keeping it beyond […]

I’ve had the American Express Bonvoy Brilliant Card for a few years now. I also don’t plan to get rid of it because, despite the hefty $450 annual fee, the benefits work for me. You can read more about why I keep it here. Well, starting 9/22/22, there is a change to the American Express […]

Recently I realized that there are some credit card myths that people hang on to.  I was talking to a friend about travel. He was looking for a plane ticket for an upcoming vacation and I asked him if he used credit card points and miles? His reply was that he didn’t want his credit […]

What’s in your wallet? If it’s the Capital One Venture X Card, you just got more airport lounge access. You all know that I am the queen of hitting up a nice lounge to elevate my flying experiences, so the fact that Capital One adds more airport lounge access is welcome news. However, I have […]

There are many great personal credit cards out there to help you travel on points and miles, but if you add business cards to your stash, you open up even more possibilities! I love business cards because the majority don’t count towards your Chase 5/24 count. Only Capital One (some), Discover, and TD Bank business […]

One of our favorite ways to get more credit card points and miles is through the use of business credit cards. You may think that this doesn’t apply to you, but you would be surprised at how many people (including us before we started teaching points and miles) have received business credit cards with just […]

For years, United Airlines was the only airline I flew consistently. We lived in Northern California and our tiny airport was only serviced by United. Every time I flew it was United to San Francisco as a connecting flight. My first experience with using credit card points and miles was getting an old United Airlines […]

Here is our review of the card_name, the card we recommend over and over to beginners just starting out with credit card points and miles. It is also a card that we’ll always have in our wallets. We recommend that this be one of the first cards people apply for because of the Chase 5/24 […]

It’s no secret that I am a fan of IHG credit cards. They have given me great value internationally in Dubai and Vietnam. In both of those places, I got suite upgrades! I have also used IHG points to stay at beautiful Kimpton hotels in the USA. Redeeming IHG points at hotels like Holiday Inn […]

One of my “have to” purchases is gas and we spend a lot of money on fueling the cars in our household. If we have to pay a lot to use our cars, let’s at least get rewarded for it! Here are the best credit cards to use when paying for gas! Citi Premier Strata℠ […]

After watching Alex’s incredible trip to the Maldives, the number one question we keep getting asked is, “Which are the best cards for flights to the Maldives?” Let’s go over them!   American Airlines Credit Cards   The credit cards that give American Airlines miles have long been a favorite for booking on Qatar Airways […]

We get a lot of comments from our readers that they don’t want to pay a high annual fee for their credit cards. It’s important to understand that it is ALWAYS worth paying an annual fee the first year when you get the high welcome offer. It’s kind of like paying a discount for free […]

We love the bonus offers we get with all credit cards. There are so many different types of points though – airline, hotel, and, my personal favorite, transferable points. The most flexible credit card points are transferable points. There are several types of transferable points including: Chase Ultimate Rewards American Express Membership Rewards Citi ThankYou Points […]

Let’s talk about Delta Airlines and its credit cards. Personally, I really like Delta. Their seats are super comfortable, and I like to use them so I can use the Delta SkyClub Lounges! I get to visit Delta Sky Clubs almost anytime I fly Delta, thanks to The Platinum Card® from American Express.  Delta Airlines’ […]

We love our main four transferable points types of credit cards. Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Points, and Capital One Venture Miles are all great ways to get free vacations. Can each of these transferable point credit cards get us to Hawaii?  Let’s check it out! Let’s see how many different […]

Planning to take your family on a vacation this summer with credit cards and points? I hope you are already working on a plan; if not, it’s time to get going! Do you want to spend the holidays next year somewhere warm, like Hawaii or Mexico? If so, it is important to begin earning on […]