Explore every episode of the podcast Stack Your Points

00:00:00 - Welcome Back to Stack Your Points 00:01:22 - Celebrating 500 Subscribers 00:05:24 - Hobbies Outside of Credit Cards 00:12:27 - Buying Perks Outright vs. Premium Credit Cards 00:29:50 - Using Your Cards as Intended 00:46:58 - Cardless: A Deep Dive 00:56:19 - Marriott and Amex: A Potential Future 01:09:06 - Adapting Credit Card Strategies to Lifestyle Changes 01:33:08 - Choosing Your First Premium Credit Card 01:55:51 - Designing the Ultimate Premium Card 02:08:44 - Membership Thanks and Closing Remarks

Join us as we tackle some Freedom Flex news and then a big ol mailbag. 

00:00:00 - Introduction and Hosts’ Banter 00:09:49 - Discussion on Pop-Up Jail and Welcome Offers 00:23:56 - Lounge Access: Preferences and Priorities 00:42:51 - Chase Ultimate Rewards: Recent Changes 01:05:16 - Let’s Talk Couponization Pendulums 01:20:39 - New Chase Sapphire Offers and Updates 01:25:08 - Credit Card Points Boost and Travel Portals 01:39:46 - Community Influence on Credit Card Usage 01:53:31 - Unexpected Credit Card Acquisitions 02:03:14 - Final Thoughts

 

Check us out at StackYourPoints.com 

Date: 06/16/2025 Intro 

Who we are

Viewer Questions

• What if you'll do a whole segment on the problem with Capital One​. Lani alluded to it but didn't want to get into it. What am I missing? - @AcmeAcresA

 

• Intro:  What is the SYPs definition of a catchall?  And can it have FTFs? Does it have to be accepted at almost all merchants? - Keith 
  • Main question(s): What is your current catchall card and what do you think is the best catchall card on the market even if you do not have the card? 
  • Is there a popular catchall that you think is overrated? If so, why?

 

• Would love to hear the team discuss this question I had with a few other CC enthusiasts. Would you rather fly to Asia/Europe directly in premium economy or fly business with a medium/long layover. Personally I'd choose PE, but could see others disagreeing. - KirbyG 

 

• Have any of you on the panel purchased points strategically for an upcoming redemption or to help meet a SUB? Hilton & IHG are both having limited time points sales with 100% bonus. - JC 

 

• Given some of Chase's moves and rumored moves recently and the potentially coupon-ey Savor X, any predictions on further couponization/brand partnerships across C1, Citi, & WF? - DDAF

News Round-Up  Topics 

• Matt
  • Citizen’s latest “top” card has an Annual fee that is flexible based on your relationship with Citizens, is this something you’d like to see to help “manage” some of your Annual fees or do you see this as unnecessary?
• Lani  
  • So Amex came out saying they will refresh the Amex Platinum cards (shocker, i.e. Chase and they do so every 4-5 years). I personally think they are pulling rulers out vs. doing it for business changes. But with so much more money being added to annual fee, competing credits, etc. Is it time to just pick Chase or Amex (based on hypothetical refresh)?

 

• RJ 
  • We talk a lot about how to manage our set ups if our lives changes or we want to cut down on AFs. But how do you handle preparing for when the banks change the cards when your life doesn’t change? 

Outro - 

• Where to find us

00:00:00 - Introduction and Hosts’ Banter 00:05:36 - Unique Points and Miles Strategies 00:09:41 - Best General Catch-All Credit Cards 00:17:11 - Transferring Points to Hotels: Value Proposition 00:26:41 - Positive Trends in the Credit Card Community 00:36:33 - Chase Sapphire Reserve Business Card Announcement + Capital One Venture X Changes 00:53:55 - The Rise of Rewarding Debit Cards 01:08:59 - Strategies for Applying for Credit Cards 01:28:58 - Balancing Personal Goals and Community Advice 01:42:53 - Conclusion and Final Thoughts

00:00:00 - Introduction and Host Updates 00:02:46 - GarudaMiles 00:08:06 - Credit Card End Game Discussion 00:20:24 - Barclays Travel Cards Review 00:24:17 - Signing Credit Cards: Is It Necessary? 00:28:24 - What Makes a Hotel Good? 00:42:49 - JetBlue and United Blue Sky Alliance 00:47:51 - Lani | The Impact of Buy Now, Pay Later on Credit Card Debt 01:04:29 - Matt | Prepaying for Travel: How Far is Too Far? 01:17:27 - RJ | Credit Card Pet Peeves 01:35:04 - Conclusion and Where to Find Us 01:37:18 - Conclusion and Where to Find Us

00:00:00 - Welcome To The Show 00:03:32 - Question 1 | Keeping Unused Credit Cards Active 00:08:26 - Question 2 | Managing Multiple Credit Card Ecosystems 00:17:49 - Questions 3 | Flying Economy vs. First Class 00:30:17 - Questions 4 | Cards You Irrational Want 00:41:20 - Questions 5 | Futurama Characters as Credit Cards 00:48:56 - Lani | Basic Economy vs. Standard Economy 01:11:12 - RJ | Travel Packing Strategies 01:32:55 - Craig | Dealing with Travel Devaluations 01:47:26 - Matt | Cards That Deserve A Second Look 02:02:15 - Final Thoughts and Wrap-Up

00:00:00 - Introduction and Greetings + Chase Sapphire Reserve Rumors 00:07:35 - Question 1 - Booking Flights with Points 00:28:48 - Question 2 - Favorite and Least Favorite Credits 00:34:57 - Question 3 - Cashback Concerns 00:41:15 - Question 4 - Capital One Venture X 00:47:42 - Question 5 - Annoying Hotel Trends 00:57:14 - RJ - Gamifying Credit Card Rewards 01:08:08 - Lani - Redemption vs. Destination 01:18:05 - Matt - Return on Spend: Is It Worth It? 01:37:39 - Closing Remarks

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani | Tariq Gaines from Riq’s Rewards | RJ from Do You Take Cards

 

Viewer Questions

• If all hotel status was stripped off of cards and you had to pay for it, what would you pay for IHG Platinum (Lani), Hyatt Discoverist (Tariq), Marriott Gold (Matt) and Hilton Gold (RJ). Please consider the multipliers and benefits the status provides and the value you realistically achieve to assign the annual valuation. - AP
  • Maybe change the question a bit in our answers to which status would we pay for? 
• I take that most, if not all of you, are ideally not depleting your points balance all the way to zero/near zero. So my assumption is that occasionally you are paying cash for a trip even though you technically might have the points to cover it. How do you go about making the decision to use points versus cash in that scenario? - DDAF 
• So are annual fees for cards no longer worth it? Looking at the possibilities with no annual fee cards you can access most transfer partners for free between amex, wells Fargo, bilt and capital one. Aside from chase and Citi each ecosystem offers the possibility of obtaining a considerable amount of points. Unless you are looking for a premium benefit is there any other reason to justify an annual fee card for transferrable currencies? - Thic Boii
• Favorite Futurama character and why? - DDAF

 

News Round-Up 

• • CSR Rumors
    • Why Chase, Why - Keith
    • Why would Chase try and have the Sapphire card compete with the Platinum when it can create a category of it's own?  What would it take to make the Sapphire your   "one card"? I'm thinking keep the travel credits the way they are, one or two more coupons, 2X catch all, raise the annual fee, 2x in the portal instead of 1.5. Am I asking for too much? - rp2048

 

Topics 

• Matt
  • The Coupon Book wars are now in full effect; what is more likely to happen: AmEx feels the effect of the First Mover Dilemma, or Chase (or another bank) clean house? Can another bank enter and win, or can a bank win a different way?
• Craig  
  • What piece of credit card community advice that is widely accepted that you consistently denounce or go against the grain on?
• RJ
  • With the news of the CSR dropping I’ve started to think of my own setup. Which card in your wallet being majorly changed, for better or worse, would have the biggest impact on you?

Stack Your Point(s)

Date: 05/6/2025 Intro 

Who we are

Viewer Questions

• What's your grail card? And your grail SUB? - Keith
• Which card or cards do you think are the most beautiful or coolest-looking? And which ones are the ugliest? - DDAF
• Many times you all have asked for any other bank to add Mobile Wallet as a spending category. The forthcoming Alaska Airlines card is going to have foreign transactions as a spending category. What other spending categories are out there that banks haven't added to good cards would you like to see? - Jason 
• What are your favorite hotel brands inside of Marriott, Hilton, IHG, and Hyatt? (Eg. Westin, Embassy Suites, HIX, Andaz) - AP
• Now that we find ourselves living in even more uncertain economic times, do you find yourselves using your credit cards less often?  And do you think Americans will prefer cash, debt, electronic payments before using credit as they once did? Will there be any secondary effects with less miles and points generated because the banks pull back on the credit that they are willing to lend to card holders and issue to new applicants? I find myself using my cards much less often than I did at this time last year. - Keith 

News Round-Up 

• New AmEx Trademarks?

Topics 

• Matt
  • This isn’t a Travel or Credit card topic; but it isn’t just me, general macroeconomics are just broken right? The “Law of Supply and Demand” seems to have died off somewhere, and now it’s just the “Law of what you’re willing to pay” and like…At some point that has to break, right?
• K1D  
  • We all love to travel, but how are credit cards allowing you to have other financial freedoms? What are some of the wins that you have experienced because of credit cards that are not travel or points/miles related?
• Tariq
  • We’ve all picked our bank ecosystems based on our travel partners (Chase/Bilt for United & Hyatt, Amex for Delta & Hilton), but if you could choose which bank had your transfer partners, which would you choose and why?
• RJ 
  • There was a time when airline ticket prices were regulated. From 1938 to 1978, the Civil Aeronautics Board (CAB) oversaw routes, fares, and schedules. That all changed with the Airline Deregulation Act of 1978, which opened the doors to competition. Since then, flights have gotten cheaper—but so has the experience. Gone are the quality meals, spacious seating, and polished service, as airlines now race to offer less for less.
  • Would you support a return to standardized pricing on routes if it meant bringing back the “golden age” of air travel?

Outro - 

• Where to find us

Intro 

Who we are

Viewer Questions

• What are the most useful overlapping transfer partners? For example, Aeroplan is a transfer partner for Amex / Capital One and Star Alliance. Perhaps break it down into domestic and international travel? - Trucker X
• The Thanos Snap happens and instead of wiping out half of the population, one bank that issues credit cards is no longer. Each of you pick one bank between AMEX, Chase, Citi, and C1 and figure out how the remaining banks respond to fill the void created by the bank that is snapped out of existence - Jason
• There are some interesting long-term plays in this game - examples might be getting one of the Chase Marriott cards to product change to the Ritz after a year, or timing Southwest card applications to secure the Companion Pass, or at the extreme running seven figures of spend through a Platinum card to fish for a Centurion invite. Which long-term credit card play is the most interesting to you? - SpaethCo
• Each of you has a different preference as to which points ecosystem you want to primarily earn in for redemptions. Aside from adding the obvious transfer partner (Lani = united, Tariq=Hyatt, RJ =Delta & Hilton, Matt= jet Blue maybe?) What would Wells Fargo need to do to their cards/rewards program for them to become the preferred ecosystem in your wallet. Like for example if they added a grocery category or made bilt points interchangeable or something of that nature would that be enough to entice you to their ecosystem - Thic Boii

News Round-Up 

• Cap 1 Savor X? 

Topics 

• Matt
  • Have you ever considered a complementary system to your main setup? If yes, who; if not, why?
• Lani
  • Bonus categories; love’em or hate’em. How about a flat earning card?
    • 2x/3x flat on everything. Yes, I’m aware that some card like this already exist, but what if there were more options like this?
    • May affect travel portals, may mean higher annual fees? What effects do you see if this was the standard?
• Tariq
  • With Capital One getting the approval for the acquisition with Discover, what does this mean for the bank's future business model? 
• RJ 
  • Do you ever feel stress or frustration when you have a plan in place and part of that plan is just waiting? You have to wait until X day to do Y, for example. No amount of new apps or polishing your credit score will help. Just time. 

Outro - 

• Where to find us

Stack Your Point(s)

Date: 04/21/2025 Intro 

Who we are

Viewer Questions

• I got three questions mostly for Lani but anyone can answer, I wonder how often you get upgraded with 1k status? 
  • Also with 1k status or with the united infinite card, do you get discounts on business class award flights and if you do what kind of discounts do you get on average? 
  • Have you booked with last minute hotels in the Mileageplus X app because I was looking at hotels in Las Vegas and was amazed to see 10x to 15x  on some hotels? LordTorr23 
• You may have talked about this already, but wondering if any of you have personal minimum limits on how low you let your transferable points drop to? - DDAF
  • I.e., Do you always use points if you have them to avoid paying cash (assuming acceptable value) or will you pay cash to maintain some arbitrary minimum points balance in case you need them in the future?
• Have you made any CC mistakes that you initially regretted but ended up working out well? - Double Double Animal Fries
• In reverse, are there any cards that started well but as time passed you started to regret? - JettinwitJan
• What's your current favorite shopping portal for maximizing points and miles? - Dad Hacks Travel

News Round-Up 

• Bilt has added JAL as a 1:1 transfer partner; and added the ability to earn 1x Bilt points for ALL cards used for rent in addition to any other points on that card…

Topics 

• Matt
  • When your “normal” friends post about Credit cards on social media, how fast do you go 0-60 now with card knowledge, or do you keep things in reserve and say “I can help, just let me know”
• Lani
  • Is there such a thing as “too much travel?” I’ve recently stated I hit travel burnout. Too much flying, too much planning. To the point where I get to my destination and I just want to watch old movies on T in the room. Have you been there, or felt the pressure from travel, planning, or ensuring you get the best/highest redemption value?
• Tariq
  • Based on their recent news, do you think that Bilt is feeling threatened by the emergence of the Mesa Homeowners card? These are the first “positive” changes announced in a while, so I think they’re starting to feel the heat.
• RJ 
  • The longer that I’m into credit cards the less I care so much about max point generation and SUB hunting and the more I care about the perks, natural point accumulation with less friction and the like. 
    • Are you a points person, a perks person or a hybrid? What drives you in your current game and has it changed over your journey? 

Outro - 

• Where to find us 

Future Viewer Questions

• You can choose up to 5 statuses to parlay the most expensive trip possible for the least amount of money. How would you plan it and which statuses would you pick ? No points. All cash - K1d_Cat37
• What are the most useful overlapping transfer partners? For example, Aeroplan is a transfer partner for Amex / Capital One and is Star Alliance. Perhaps break it down into domestic and international travel? - Trucker X 
• What are the plans for the channel moving forward? Are you looking at memberships in the future? What ideas are you guys kicking around? - AP
• Now that we find ourselves living in even more uncertainty economic times, do you find yourselves using your credit cards less often?  And do you think Americans will prefer cash, debt, electronic payments before using credit as they once did? Will there be any secondary effects with less miles and points generated because the banks pull back on the credit that they are willing to lend to card holders and issue to new applicants? I find myself using my cards much less often than I did at this time last year. - Keith 
• The Thanos Snap happens and instead of wiping out half of the population, one bank that issues credit cards is no longer. Each of you pick one bank between AMEX, Chase, Citi, and C1 and figure out how the remaining banks respond to fill the void created by the bank that is snapped out of existence - Jason
• There are some interesting long-term plays in this game - examples might be getting one of the Chase Marriott cards to product change to the Ritz after a year, or timing Southwest card applications to secure the Companion Pass, or at the extreme running 7 figures of spend through a Platinum card to fish for a Centurion invite. Which long-term credit card play is the most interesting to you? - SpaethCo
•  

Future Topic Ideas

• On the question of Churning vs. Maximizing/stacking…what is best for who (beginner, pro, credit enthusiast) (MC)
• Pooling points to Amex/Chase/whatever vs dedicated hotel or airlines currency - RJ 
• Effective Annual Fees - Lani
• What’s up with trifectas? - RJ 
• Do credit cards have too many features nowadays? The more card you have the more overlap there is from bonus categories and benefits, which means that eventually something is useless. What’s your useless benefit and what would you get rid of? - Lani
• Points Vs. Perks: Which is more valuable to you? Are you sub hunting or just using the card(s) that provide the highest earning or are you chasing specific benefits/perks to use at specific properties (i.e. United free checked bag, hotel status for food credits/upgrades, maybe if lounge access if you’re into that, etc.) 

00:00:00 - Welcome to the show!

 

00:01:38 - Question 1 - For a very long time, people with a “business” have been able to apply for Business credit cards and all the bonuses and perks associated with them despite the fact that their “business” might not be super duper legit. What changes that have nothing to do with “business” verification could banks do to slow this down?

 

00:09:32 - Question 2 - So how much points diversity is too much points diversity? I currently have points in all 6 transferrable currencies ecosystems. Is it worth it in your opinion to have your points balances split to take advantage of transfer bonuses when they suit you?

00:19:55 - Question 3 - I have a non credit card question for you, if you won $2 million would you keep your job and what would you do for the rest of the year? It's April now so from April to December what would you do and where do you see yourself in 5 years after the winnings?

 

00:30:17 - Question 4 - We often talk about the credit card game as travel and often coded for middle class folk. How do you think people rebuilding credit or low income earners can effectively and efficiently leverage credit?

 

00:43:14 - Question 5 - With what seems like a regular series of issues with DCA regarding safety and near misses, what are your thoughts regarding travel to that area? Do you think it’s still incredibly safe and convenient and fly to DCA or do you look to maybe fly into IAD or heaven forbid BWI?

 

00:53:41 - Question 6 - Question for the podcast, but probably mostly Matt. Wells Fargo has had transfer partners for almost a year now. Does it bother you that they haven't had any transfer bonuses yet?

 

00:57:49 - News

 

01:13:34 - Tariq - Store cards. We all know about them, and for the most part we avoid them in the game. What store/retail cards are actually worth getting, and if a certain store closes, does the issuing bank close the account, or do you get an involuntary product change? 

 

01:26:12 - RJ - Should banks have a similar program to hotels/airlines around buying points or being able to have a “subscription“ to points other than the multipliers on the cards? What would you want them to look like?

 

01:39:41 - Matt - With modular cards an impossible dream, what other incentives, besides credits, do you think issuers could use to provoke more loyalty/dedicated spend?

 

01:50:15 - And we’re out

Viewer Questions

• What was your worst travel fail? What are your tips for dealing with travel disruptions? - DDAF 
• What airlines/hotels and related programs are prime candidates for acquisition in your opinions? - AP
• How do you think international travelers boycotting the US and these new tariffs will affect this hobby and the travel industry? - Keith
•  If you were to do a two-card setup what would you pick and why?- Thic Boii
  • Rich with Points
• Before any refresh, if the banks go crazy and make amazing cards what would you most want out of any refresh/new release from each major bank? - Jared_T

Topics 

• Matt
  • Given the current economic climate, do you think we’re going to see a retreat from those on the fringes of points and miles and a future boom cycle of amazing deals?
• Lani 
  • With credit card changes and refreshes seemingly getting less profitable for the average consumer needs and wants, do you think with the rise of AFs and credit people are less interested in will lead more cardholders to “end game,” or less applications?
• Tariq
  • We all know the credit card game is a niche within a niche, but how do you think the community should respond with generalized criticisms from people in the personal finance space? 
• RJ 
  • If you could take any co-brand card and turn it into a transferable points earning card, which would you pick and which ecosystem? 

00:00:00 - Welcome To The Show 00:01:45 - Question 1 - What is the flight or hotel you are most looking forward to staying at/flying? Why are you looking forward to it (what is special about it) and how are points/miles going to get you to that goal (tentative game-plan)? - AP 00:18:58 - Question 2 - Do you have any cards that are close to a 50/50 decision on whether you will keep or cancel them going forward? - Spaethco 00:27:46 - Question 3 - My wife will never take a cruise and I would hate an all-inclusive resort on a beach. What kind of travel absolutely doesn’t interest you? - Jason 00:38:59 - Question 4 - If you had multipliers covered, but could only have 3 cards for the benefits, what would they be (duplicates count)? - Points Precision 00:44:41 - Question 5 - What is your least favorite music genre? - Ronald  00:52:31 - News 01:10:28 - Tariq - Inspired by Key’s goal of visiting every MLB ballpark, do y’all have any aspirations to visit every stadium/arena/venue of your preferred sports/entertainment niche? 01:24:27 - RJ - What is the next card you plan to apply for, what role will it fill and what’s stopping you from hitting the apply button?  01:35:34 - Lani - Credits! Credits! Credits! I think with some new Chase refreshes, there are a lot of credits out there. For those who have a lot of cards, how do you navigate credits? Do you care? Do you try to use every single one, every single month (i.e. Amex Gold), or do you take it in stride and if one dies, then one dies? 01:53:36 - Matt - Let’s take a break from credit cards; what two/three historical figures would you want to have a meal with, and why (lets assume you’re picking up the bill on the dining card of your choice)? 02:03:51 - Goodnight And Good Luck  

00:00:00 - Intro 00:02:51 - Question 1 | What got you into CCs in the first place?   00:08:40 - Question 2 | What’s the best unexpected travel surprise that brought just a little bit of joy to your trip?   00:16:56 - Question 3 | How do you earn points if you don't really spend a lot of money? 00:33:30 - Question 4 | If you could go to any concert in the world, which musician or group would it be, and where would you like to see them?   00:43:57 - Question 5 | Using credit cards with high multipliers that are already on the market, High multipliers defined as 4x, 5x, or 6x. Create a trifecta of these cards to achieve YOUR best points/cash earnings scenario. Which cards would you choose and why? You can use any combination of business, personal, travel currency, cashback. The goal here is to think about your monthly spend and how to best maximize it with high multipliers that already exist. 01:03:15 - News | United Cards 01:16:25 - Craig | Route of the parks and the beauty of America. How do you prepare to visit places off the beaten path? Also, why do we so rarely hear about domestic travel? 01:47:13 - RJ | How do you handle travel when your travel partner(s) have different non-negotiables, wants, maybe even budget than you do?  02:10:48 - Matt | Credit card coupons are here to stay and will only get worse (so, so, so much worse). Cutting bait on the worst ones will likely be the only way to stay Sane, how are you planning to keep your sanity? 02:22:52 - Tariq | What the hell is going on with the airlines? Are they going broke? Are they just getting more greedy and money-hungry? Who’s next?? 02:54:42 - Ending  

Take the SYP Credit Card Survey | https://forms.gle/MCZ5fUoaHRRTMGeP8

 

00:00:00 - Intro

00:00:26 - Opening

00:04:44 - Can you go over when it makes sense to transfer points to hotels (other than Hyatt) because hotel points are always less the 1 cpp and you could do better with things like the cap1 travel eraser or the chase portal with the CSP or CSR. It seems like it makes more sense to either earn those with a cobrand credit card or buy them on sale. - Thic Boii

00:20:49 - Where do you see Priority Pass domestically in 3 or 4 years?  Priority Pass and the bank’s with their own lounges seem to be growing apart. - Keith 

00:39:20 - If you could steer the CC YouTube content in a different direction, what would you like to see more of and what would you like to see less of? - Jason

01:07:53 - We see many videos about the extreme success that people have in applying for cards and seemingly NEVER getting denials.  The only time a denial seems to be talked about is when an application goes through a successful reconsideration process.  I personally have scores over 820+ with all the bureaus, a 25+ year old pristine profile and the income/spend to be an attractive customer, and I still get denied for cards.  The question is, how honest are creators being when it comes to how many cards they are NOT actually getting? - Sha-Tan

01:25:21 - We’re a quarter into the year. Do you have at regrets or major course corrections to be made to your travel habits, partners, or overall strategy? - K1d_Cat37  

01:39:06 - News

01:47:19 - Tariq - Congratulations! You just won the Powerball jackpot! After taxes you walked away with over $100 million. How do you adjust your strategy now that you don’t need points and miles anymore because you can essentially afford whatever trip you want to take? Do you just go with a flat catch-all card, or do you just get all the premium cards for the benefits? Also, what’s the first trip you’d take once the money hits your account?

02:08:19 - Lani - Quality vs. Quantity; it’s not always about getting the most points: After you hit a certain number of cards, you begin to experience overlap of categories or benefits. Piggy backing on Picking Partners, do you ever use a lower points earning card based on what you need or trying to achieve vs. what can earn the most points. If so when?

02:24:19 - Matt - Wyndham just launched a rewards debit card. After the Durbin Amendment that more or less killed off debit rewards, do you think this is a good play, would you want to see any other companies also take this on?

02:44:05 - RJ - PUJ is better than flat rejection even if it is more opaque. Both in terms of not submitting an app if you can’t get the sub AND in terms of allowing people to decide if the card is worth it for them without a SUB.

03:03:49 - Closing

03:06:29 - Ending

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani | Tariq Gaines from Riq’s Rewards | RJ from Do You Take Cards   Viewer Questions

• If you woke up on January 1st, 2026 and was gifted one status via a hotel or airline program what would status would you request?  And @ RJ , why wouldn’t you request Globalist? - Keith 
• What is your favorite Hilton credit card? What's the best way to get 1 million Hilton points? - M2K 
• The Hilton Aspire card offers a Free Night Certificate on your card anniversary date. This certificate becomes available 8-10 weeks after your anniversary and expires one year from issuance. Considering that Hilton releases room availability exactly 365 days in advance (when award availability is typically best), what time of year would you choose for your card anniversary date to maximize the value for your personal travel schedule? - JP  
  • Assume you're keeping the card long-term, your annual fee timing works with your budget, and there are no special sign-up bonuses to consider.
• Do you ever foresee the big three domestic carriers implementing (international style) business class on shorter domestic flights and if they did, would you have any interest in flying them?  (categorizing short domestic flight it’s anything under five hours.) K1d_Cat37 
• I recently was looking through all of the cards I signed up for in 2024 between me and my P2 and every card is either being product changed or canceled except for one (ironically, the much-maligned Bilt). Do you do any kind of similar analysis and what have you changed about your card acquisition over the years to make sure you're getting things that provide value? - Jason

Topics

• Matt
  • Thinking on the AmEx Zync card we talked about, would you pay a fee (Monthly or Annual) to add multipliers to a card instead of just applying for SUBs; this would potentially be in addition to any annual fee you currently pay or turn a No Annual Fee card into a card with an optional fee.
• Lani
  • We talk a lot about credits we use, but what about the ones we lose? Do you have any credits which which you just let die?
• Tariq
  • We’ve seen recent pushes to cap credit card interest rates in Washington D.C. I’m curious to see what you all think about the effects of the points and miles game if that were to happen.
• RJ 
  • How do you handle SUBs? Do you put that one card for EVERYTHING for a month or five to hit the magic number? Do you wait until you have a major buy? Do you use it as you plan to typically use that card (Gas card or supermarket card or what have you) and just do the math to make sure you hit?

Hosts: @MattClausen | @CallMeLani | @RiqsRewards | @DoYouTakeCards

Viewer questions  (~30 minutes; separate video)

• Can we have a dramatic reenactment of the lost episode from last week? - Jason 
• Are you a cat or dog person? - Anthony 
• How much is top hotel status actually worth for the normal family that travels maybe twice a year? - M2K 
• Please build a 3 card setup staying under $200/year on annual fees for a person who makes less than $40K/year and wants to take one budget friendly trip a year. Please note why the card is selected including multipliers and benefits of note. - AP 
• There are lots of discussions about "what cards would you keep forever" and long-term pick-ups. What are your thoughts on picking up cards for shorter term goals as part of a campaign?  ie, having P1 and P2 acquire Aspire and Surpass cards to rack up a pile of FNCs for one planned trip with the intent to downgrade/close the cards after that goal is met? - SpaethCo

News Round-Up (45-75 minutes)

• Chase business cards accidentally reported 

Topics 

• Matt
  • Have you experienced Burnout with credit cards and welcome offers? Welcome Offers may be the best return for you on credit card spend, but…there are too many to chase and even fewer worth chasing (for various reasons). Have you experienced Burnout, are you experiencing it? How are you handling it?
• Lani
  •  
• Tariq
  • Out of the three main ways to get around in the city you travelled to (ride share, rental, or public transit), which do you gravitate to the most and why?
• RJ 
  • Should companies make their credit cards weird again? It feels like so many cards are the same now it’s less choice via more choice. 

Outro - 1 to 3 minutes 

• Where to find us 

Viewer Questions

• What are your thoughts on holding multiples of the same card (IHG cards, Hilton Aspire cards, CCCs, etc)? Do you hold doubles or see yourself ever acquiring doubles? - AP 
• Now that most premium smart phones cost over $1,500 and are creeping up towards the $2,000 mark, it seems that cell phone coverage through credit cards leaves us with only partial coverage.  Most banks provide between $600 - $1,200 of coverage for lost or damaged phones.  Which cards do you currently use to pay your phone bills, and is there a better overall points-earning card on the market for monthly phone bills? - Keith
• So I been considering the best route to get status to get a better experience. So if I pick American Airlines as my domestic/ secondary partner I could earn status more specifically by stacking using AA E Shopping portal, AA Dining program, AA travel portal for hotel ie.   Possible spend on credit card. I am considering adding Citi / AADVANTAGE EXECUTIVE WORLD ELITE MASTERCARD ($595) which would provide me some additional benefits when flying on AA steal and would provide me lounge action for the Admiral club when I fly Cathay Pacific. So here’s my theoretical question just imagine
  • That there’s no premium travel cards for you United flyers there’s no premium united club card, there’s no Delta Reserve, and there’s no premium good JetBlue card sorry, Matt. And no stacking ways to build loyalty points. But you have a route to earn status through one your airlines partners such as my is Oneworld. This airline has a a premium credit card that allows you lounge access when you fly your US airlines. And they have all the stacking options. All of the airlines in your in your airline alliance have the same options. So which airline would you pick from the alliance and would you choose to earn status throughout an another airline? - Jared_T
• What is your favorite card? Why is it your favorite? - Keith 
• If you could add one feature, category multiplier, transfer partner, or protection to your favorite card, what would that be?  And would you be willing to pay a higher AF for that improvement? And why do you think the card needs this improvement? - Keith 

News Round-Up

• None

Topics

• Matt
  • No, you don’t NEED a retention offer every year on every card.
• Lani
  • Timing of the strategy. Just get the card you want vs. family language
• Tariq
  • Is the credit card game really that complicated, or does the community like to overcomplicate the game?
• RJ 
  • Tomorrow you wake up with 0’s across all of your point totals. How would you rebuild your point stocks?

Viewer Questions

• What shopping portals are your favorite? Why? Any bad experiences or ones you’d tell someone to avoid? Why? - AP
  • Which shopping and dining portals stack the most value for the most people?  - What’s The Points 

• Do you apply for bank account bonuses?  I’ve been thinking about getting into bank account bonuses but it’s not as natural for like opening and spending on reward cards. - Keith
  • Do you fund bank accounts with credit cards to hit SUBs and bonuses?  I know that there is some risk involved with that strategy.
• Do you believe there’s any moral or ethical responsibility as content creators to pass along information that helps to mitigate risk to your audience or is it purely on the audience standpoint to do their own research? -Kid_Cat37
  • Keeping in mind that none of this is financial advice and all for entertainment purposes.
• What do you think your personal credit card situation will look like in five years? - Jason

  Topics

• Matt
  • If we are starting to see banks tighten the ability to “free” points, should we be adjusting our approach to redemptions (local stays of cash, or limits on cash vs points domestic on cash etc)? 

• Lani
  • These refunds and any included fees (i.e. upgrade fees, bag fees, additional fees, etc.) will be refunded to original form of payment within 7 days for credit cards, and 20 days for cash/checks.
  • The question is, how this affects points/miles bookings. Miles direct with airlines, easily refunded to account, but points via travel portal can be a little more different (i.e. chase, you’ll need to contact chase for your credit attached to your chase account), I’ve never booked flight thru BILT or Amex, but what about 3rd Party booking platforms? Where does your money go?
  • Does this affect the way you book flights? Will this affect how you inform others how to book flights?
  • It’s OFFICIAL! DOT has made an official rule for Airlines operating out of the US to provide automatic refunds to consumers who experience cancellations or ‘significant’ delays.
• Tariq
  • How do you go about teaching friends and family about the credit card game when they express interest? 

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani | Tariq Gaines from Riq’s Rewards | RJ from Do You Take Cards   Viewer Questions

• As credit card and service fees become more common, at what point do you pay with another form of payment versus a credit card?  A charge that codes as 3x with a 3% fee?  2x catch-all with a 3% fee?  Or just when you are working on a SUB?  Or never? - Keith 
• What do you do if you’re at the airport and you learn that your flight will be delayed? Look into other options with the same/different carrier? Ride it out? Are there any tools that help you make these decisions? - joromacsquibb
• How have you used points/miles and CC perks to help family and friends? For example, I have recently covered a family member's multiple hotel stays in her effort get a second opinion from an specialist doctor. @Keith had several other great examples in another thread. Any suggestions for how people can use their points and perks to help others? Big or small. - DDAF 
• What is your favorite movie to watch on a plane? - AP

News Round-Up

• Amex is going be refreshing more cards
• ⁠⁠SoFi just released their Q4 2024 earnings call and during it they mentioned that they have signed a hotel co-branded partner.⁠⁠
  • “...we’ve signed a partnership with a leading hotel rewards brand for a co-branded debit card program launching in the first half of ’25. This is a new differentiated offering that will expand our footprint among consumer brands.”

Topics

• Matt
  • You’re named Head of Product for a brand-new Credit Card Company; how would you approach designing cards to differentiate from the big issuers/be “interesting” (interpret how you will)
• Lani
  • No topic this week 
• Tariq
  • I know all of us here are for the most part use points-earning cards to redeem for travel, but I think we should discuss how cash back provide peace of mind in its simplicity. 
• RJ 
  • Which card in your wallet needs a refresh the most, what would you change and which card are you most comfortable staying how it is currently? 

Back to Basics of the Week: Travel Portals   Viewer Questions

• Could you do a segment on food cards?  There are so many to choose from, and I can't decide on a food card for 2025. - Keith  There are hotel cards with food categories like the Hilton Surpass and Marriott Bevy.  Airline cards like the Aeroplan card, Delta Platinum, and AA Cards.  Transferable currency cards like the Amex Gold Card, Citi Strata, Savor, and the CSP (😉)
• Let’s pretend you are all in active duty military and have your credit card fees waived. What 5 cards would you get (repeats acceptable) to maximize your benefits? (AP)
• What insurance companies/coverages do you recommend for additional travel insurance? - K1d_Cat37 
• Is the CC travel game just a gateway drug to a lifetime addiction to luxury travel? - Double Double 
• What’s the best earning one-card setup for the average American family?  Consider annual fees, category multipliers, other benefits & protections, and ease of use. What should I recommend to family and friends who do not want to optimize with multiple credit cards and are losing money in their current one-card crummy setup? (A Delta card) (Keith)

  News Round-Up

• Citi Updates the Look of the Costco card and adds an extra percent on gas.

Topics

• Matt
  • If an issuer went completely Cardless, no physical card, what sort of physical token would you be willing to carry that still has your information in the event your phone or watch are without power (or you don’t buy the cellular watch). 
• Lani
  • Not a political debate: Secretary Pete did some amazing things over the last 4 years regarding US travel. Especially with accountability of airlines, disruptions, and compensation.
  • Assuming things continue moving forward, what more or other ideas would you like to see or be enhanced upon.
• Tariq
  • You can no longer use your Plan A travel strategy (reason regardless), and your plan B strategy is your new plan A. How would you go about your new strategy with card acquisition, points-earning, and your travel day?
• RJ 
  • Sometimes I feel like the communities over reliance on the idea of aspirational travel, mass maximization and “perfect” redemptions turns people off, makes people do things they might typically want to do, makes us all sound like tools.
    • Where is the line between learning how to travel better and being too precious fall for you? 

 

Back to Basics of the Week: 0% APR Cards    Viewer Questions

• What happened to the Robinhood Card? I never hear about it anymore. Did the Smartly Card overtake it? (Keith)
• With the Ink train closed (or at least limited* RJ add), what's the best way to earn UR points now? (M2K)
• No one likes 5/24 or PUJ, but we work around them. If you could choose, would you flip it and move 5/24 to Amex and PUJ to Chase? - Double Double 
• What are all of the best $0 Annual Fee cards with unique travel perks? Example: US Bank Altitude Connect free GigSky data - James

News Round-Up

• None

  Topics

• Matt
  • If you could “Thanos Snap” one mainstream issuer out of existence (Discover’s pending merger with Capital One makes it ineligible, also, predatory lenders are a given, so Mission Lane, First Premier, Merrick, and Credit One are also off the table); which would it be and why?
• Lani
  • Spinning off of Double_Double’s question:at times, the value of a card can outweigh the welcome offer it comes with (i.e., you get one too low like on an Amex Gold/Plat, or it's the right time for you to get a card but its the basic everyday offer like on an Ink Cash or Unlimited). But regarding Pop-Up Jail only, as you can get approved for a card but not the welcome bonus, is there a world where you would just take the card, save on welcome spend, and just eat benefits and skip the Welcome offer?
  • Context: I had a conversation with another creator regarding Surpass card specifically
• Tariq
  • I think the “credit card ladder” is overrated. We need a better way to do credit card 101 for beginners. 
• RJ 
  • Assuming you care about categories (dining, streaming, gas, ect) on cards, which categories do you personally care about the most, which do you think people “overthink” and do categories even “matter”?

Hosts: CallmeLani, MattClausen, Riq's Rewards, keyKEYadventures

 

Special Thanks to Key for stepping in last minute. RJ will be back next week.

 

Intro | 3 to 5 minutes

Who we are

 

Back to Basics of the Week 

• "What are Duos and Trifectas, what do they do, and favorites around the horn?"

 

Viewer questions

• Question for @CallMeLani  or anyone with experience on this topic. Have you ever been able to book a hotel through an airline portal and also been able to get benefits from your status with that hotel? Example using the United travel portal to book a night at a Hyatt then at check in giving your member number and getting benefits from your status. (I’m thinking of booking a night at a Hilton through the AAdvantage Hotel portal, getting my 10X AA miles from that, giving my Hilton Honors number for breakfast and paying $50 on my Amex Bus Plat for credit and the rest on my aspire card for extra Hilton points) - Anthony
• In this moment of "2025 roadmap" videos, what has made you *deviate* from your strategy in the past? And how important/realistic is roadmapping anyway? (Double_Double_Animal_Fries)
• What non-points and miles/travel-related goal do you have for yourself this year? (Jason)

News Round-Up 

•  

Topics 

• Matt
  • Do we think the Honey affiliate link scandal could come to the Points and Miles community and affect our ability to stack (primarily Rakuten)?
• Lani
  • Over the holiday, while “on assignment,” I has a severe customer service issue at a Hilton property. After talking to front desk, Amex (as I booked via Amex travel portal), and Hilton customer service it was resolved.
  • Have you ever had a severe customer service issue? Does how the experience which it was handled affect you with a particular card/issuer, property, etc.? Can be good or bad experience
• Tariq
  • Keith’s question about reevaluating Bilt points from last week had me thinking: Is there a better way to determine the value of a point or mile? 
• Key

Outro - 1 to 3 minutes 

• Where to find us 

We did a Q&A show!

• What got you interested in points and miles? - Jason
• At what point in life do you see yourself transitioning into a complete Cash-back setup? - Ronald
• ​​Will the Citi Strata be the new food card for 2025?  Add in the gas & EV charging categories and with possibility of AA as a new transfer partner from the Citi & AA deal last week.
  • Chase and Wells do not want to play in the grocery category, Amex increased the Gold Card to a $325 AF and ALL of their credits feel like a chore.
  • The Savor card seems like a lost soul because Capital One makes it so difficult to get their bifecta. (Keith S)
• AS-HA is the 5th largest airline in the country. They are quite a force in the Western US but fairly irrelevant on the East coast. If AS wanted to greatly expand its reach and be more competitive on a national level they need hubs and focus cities in these locales.  Pick one hub and two focus cities that AS should expand to for future growth (no repeat locations please, otherwise it’ll all be NYC). - AP 
• Matt talks a lot about “ghost cards” or discontinued cards . If you could bring a card back from the dead - that was killed more than a year ago - which card would you bring back? - Sam 
• What Goals do you have for the podcast and your individual channels for 2025? - K1d_Cat37
• What's the story of the worst hotel stay you've ever had? - SpaethCo
  • Have you ever had such a bad experience with a hotel chain or with an airline that you’ll never use them again?  Name and shame. - Keith
• What are your credit card/travel wins for 2024? - Vincent 
• What card does the community like that you don’t agree with (like Matt for the CSP). Why don’t you think the card is that great and why does the community overhype it? - AP
• Do you ever seek out or utilize 0% apr offers? What’s your typical game plan for funds (CD, HYSA, etc) and do you payback gradually or wait till the last month and pay in whole? - AP 
• What is your trigger to get a new card? - Double Double Animal Fries
  • Is it a specific future redemption? The next step in a grand strategy? A really good SUB? Incidental upcoming high spend? An opportunity to try out a new card/ecosystem?
• What are your endgame setups (no more than 5 cards)? - AP
• Should Bilt’s points value be reevaluated since they no longer offer transfer bonuses like they used to?  (And American Airlines left the program). (Keith)
  • Let me further elaborate; Bilt convinced some of us to accept 1x earnings (which we normally never would accept) and to hope & wait for Rent Day transfer bonuses to the likes of Aeroplan and FlyingBlue with 150% transfer bonuses.  Those are all but gone and if there is anything decent then the number of bonus points are capped.
  • I finally came to the realization that earning 2x on my VX with a 20%, 30%, or 40% bonus to some of these programs comes out just as good or better than what Bilt is offering on a one-day transfer bonuses every few months. This is the current math since they nerfed double points on Rent Day by 90%.
  • By lowering the Double Points offerings to 1/10 of the original rates and the extremely limited Transfer Bonuses, I no longer see much of the same value in the Bilt program as I once did.
  • You can get 1x on an Alaska or Hyatt card all day long.  If you want Hyatt points then the CFU for 1.5 unlimited and 3x dining is better.

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani | Tariq Gaines from Riq’s Rewards | RJ from Do You Take Cards   Back to Basics of the Week: MileagePlus X: How it works, the EASY point Stack, All things MileagePlus X.   Viewer Questions

• ​​What card(s) do you hope to acquire in 2025 and why? - Vincent 
• What cards are you closing/pcing/downgrading in 2025? - Jon 
• Do you have any regrets about the cards that you applied for in 2024? Keith S
• What’s the most ridiculous response you’ve heard from someone when you told them about your credit card hobby? - Jason
• Frequently folks say pick your partners based on your travel habits but how would you recommend folks pick their partners if they don't yet have travel habits/preferences to refer to? (Double_Double_Animal_Fries) 
  • Context: I have found that trialing hotels/lounges/airlines and seats/etc is an important part of the process, which may not always precede your CC journey but instead may go in parallel. Also CC benefits/rewards may reveal to you travel preferences/must-haves you didn't know you had. So a "chicken and egg" sort of situation.
• Be interested in your thoughts and any personal experiences. Thanks!

News Round-Up

• Capital One and Discover get one Step closer to Merging

  Topics

• Matt
  • Hyatt and AA have recently rolled out the ability to “rent” Airline status for a day. Would you use miles or hotel points to “rent” status for a day to potentially accentuate the first-class seat and the Suite that you wanted to book.
• Tariq
  • What was the best trip that you took this year?
• RJ
  • If you could trade wallets with any of your co-hosts for a year, without having to worry about AFs, which co-host’s wallet would you want to try out?

Back to Basics of the Week

• Status Highlight Number 5: Delta Airlines 

 

Viewer questions 

• What’s your 2025 prediction for each of the big issuers? Chase, AMEX, WF,  Citi,Cap1 and Barclays. I know Barclays isn’t a “big issuer”, but I smell change is coming - Jason S
• If Chase cut their affiliate program and referral bonuses, do you think collectively as a community we would care about 5/24 nearly as much? What percentage of Chase fanboys do you think would turn on them? - K1d_Cat37
• If you had a life event (maybe you need to assume a caretaker role, etc) that severely limited your ability to travel for a few years, what would you do as it relates to credit card strategy? Would you continue to accumulate or convert to cashback. If cashback what are some cards you’d seriously consider adding to the rotation? - AP 
• Aisle or window seat? - Keith S 

News Round-Up

• Rotating Categories in Q1 (Discover & Chase)

Topics 

• Matt
  • What’s the best two card setup for you in 2025 (as follows): What’ll be driving your point acquisition; what makes Travel Day easiest; what’ll be the first two cards you let go of in 2025? 
• Lani
  • Per last episode, rejection sucks. 
  • Tariq got rejected and I hit pop-up jail (but broke free!)
  • Pop-up jail sucks. 5/24 sucks. Whatever Capital 1 does with applications suck.
  • I think we’re all at a place where we can say, “Do I really need another card?” 
  • Upon a denial or rejection, what would you do next? Try to get it overturned? Rethink your life? What would it take for you to just accept it and move on
• Tariq
  • If you could choose a city to live solely based on how well it would work with your travel game preferences, which would you pick, and why?
• RJ
  • How do you handle travel delays, tracking flights, contingency planning when things go wrong on the road? 

Back to Basics of the Week: American Airlines   Viewer Questions

• With sweet spots disappearing and devaluations happening regularly for travel partners, are we all heading towards cash back and travel portals with a boost like with Chase and USBAR? - Anthony 
• What is the top destination on your bucket list and how would you get there?  If you say the Maldives, then I’m unsubscribing. - Keith
• RJ and Lani talk about how "travel day is sacred". Wondering if you could get more into that, like where you find value in "travel day" benefits from your cards, status, other memberships like Clear, etc. - Double Double Animal Fries
• Would you get the $0 AF Bilt Card in 2025?  Please elaborate. - Keith

News Round-Up

• None

  Topics Matt 

• Which Card or Issuer had the “best” year in 2024? (Could be based on perception changes, card buffs, transfer partners, etc; and I’m NOT going to name Wells Fargo)

Lani

• As a “Team Take the Trip” advocate, over these past trips, my family (and I) have gotten really spoiled with luxury properties. Most of which outside of my plan A strategy, meaning, booked outside of IHG, United miles. More so Amex FHR/Chase Edit (2 Waldorfs, JW Marriot, etc). 
• Thinking of trip coming in 2025, I’m looking at Evermore resort Orlando, and my wife wants to stay at Marina Bay Sands in Singapore. Now these options do not take points (kinda). Hearing about from your partner aside, if “take the trip meant” cash even tho you’re sitting on a pile of points, do you still do it or not?

Tariq

• I was recently denied for a card that’s on my game plan. How would you go about making any adjustment if deemed necessary?

RJ

• What is the “best” card with an AF of between $1 and $99? 
  • Yes this is going to depend on the ecosystem but for a moment let’s set that to the side.

Back to Basics of the Week  - Status Highlight Number 5: Hyatt

Viewer Questions - What’s your credit card hot take that is not about the Chase Sapphire Preferred?  Mine is - the Amex Centurion card is a garbage card; it’s a bad earner and has a reverse-SUB. - Keith  - What card do you have that you continue to hold and use because it provides incremental value, but you'd never sign up for it again as a new card?  (Spaethco) - Amex is so far ahead of Chase and Capital One at building and running lounges. What airports should Chase and Capital One be targeting to make a splash? Please, no answers about Chase buying The Club.- AP  - Do you think credit card companies should only offer status and lounge benefits on business cards? My thinking is a lot of the complaints come from Business travelers. I like to chat about the lounge being overcrowded - acmeacresa - What’s your favorite pool side drink?- Anthony B

News Round-Up - US Bank has been pulled from the website the Altitude Reserve, and launching the Smartly Rewards card.

- Chase losing the Austin Terrace, but likely to gain an Austin Lounge in Time.

Topics Matt  - You know, I’m beginning to think that Status only matters at higher-end Hotel properties…regardless of the level of Status it seem?

Tariq - What is a spending category/benefit from a card in your collection that you’ve ok utilized more than you expected?

RJ - Lani's comment from last week got me thinking about choosing your own adventure cards. If you could make a credit card with either (three 3X categories and 1.5X everything else) or (one 5X category, one 4X category, one 3X category and 1X everything else) which would you pick and what would you pick for the categories? 

Back to Basics of the Week 

• Status Highlight Number 4: United

Viewer questions

• • If you were to move overseas then where would you move to? - Keith 
  • If you have citizenship in 2+ places is it possible to get that other country’s version of credit cards as well? (American express is one bank that comes to mind that has a few cool options) - Anthony 
  • If you were to enter into a six month period of gardening and wanted to concentrate all of your spending on one of two points ecosystems, Chase or AMEX, which would you choose if your goal was to NOT piss off the bank you don't spend with? How much activity would you keep on the non-preferred bank? - Jason 
  • Outside of YouTube and credit cards what’s one thing you’re proud to have accomplished this year or looking forward to tacking next year? - K1d_Cat37 
  • Non-credit card question: Which ice cream flavor are you? - Vincent

News Round-Up

• None

Topics Matt 

• Does it ever seem/feel like we overthink the whole game and still do pretty well with a flat earning card/Coupon sites and apps/buying the points you want?

Lani

• What’s your points “sweet spot?” How many points is too many points? 

RJ

• If you had the power to make one major change to credit cards/issuers, what would you do?

Outro

Back to Basics of the Week 

• Status Highlight Number 3: IHG

Viewer questions

• • Favorite Whisk(e)y or non-water beverage? (Keith S)
  • If you had $20k/Month of non category spend would you use a 2X/2% catch all card or would you use a co-branded Hotel/Airline card to get extras like status and/or free night/upgrade certs? (Anthony B)
  • Hilton, Hyatt, Marriott and IHG get so much attention in the community. Can each of you make a use case for why one of the tier two hotels brands are best and could possibly serve as a primary choice or the best secondary option?
    • Examples for a single/couple, family of 4, and business traveler. 
    • Best Western(Tariq), Choice(RJ), Wyndham(Lani), Sonesta(Matt). - You can choice who gets which brand. (k1d_Cat)
  • Imagine that overnight every card available to us becomes a 1% cash back card, so the only thing differentiating cards are the other features that already exist (credits, status, lounge access, free night certs, companion certs, customer service, etc), and any annual fees still remain the same.
    • When everything earns the same, which cards in your quiver are still worth keeping and why? (SpaethCo) 

News Round-Up

• Capital One renames Savor One to Savor…why?
• Chase changes travel protections 

Topics Matt 

• You are 3/24; you have $800 in previous cashback; you want to jump into Travel; how do you approach it.

Lani

• Just left MIA airport that does not have a United Club. I have Priority Pass, Star Alliance Gold status, and Amex Platinum card (even tho its far away from United gates, so you know what that means…) I ended up taking my family to Turkish Airlines lounge, small, dated, etc. but had access via both Priority Pass and Star Alliance Gold. Also a few other lounges within a reasonable walking distance.
  • Lounge Access is getting crazy (in my opinion). Too many lounges with shared access (i.e. Star Alliance, One World status access), priority Pass access, or direct card access
  • With that said, which would you prefer, more lounge options with limited access (mediocre or small), or less lounges with more accessible access (larger, more space, larger buffet, etc)

Tariq

• With the Uber One benefit set to expire on the “new” Savor card in a little over two weeks, do you think we will see that credit come back on the Venture X (if it comes back at all)?

RJ

• If co-branded credit cards were no longer allowed, how would that change your overall strategy? Which cards would you no longer have, which cards would you have to pick up to “recover” lost value? - RJ
  • Cards like Amex Platinum, CSR and Venture X that give you status or lounge access are okay but cards for Delta, United, IHG, ect no longer exist.

• Back to Basics of the Week 
  • Status Highlight Number 2: Marriott Bonvoy
  Viewer questions
  • Who are each of your top 3 CC YouTubers (present company excluded) and why? - AP 
  • In this game there are opportunities for crazy good deals if you're willing to invest the time and effort and maybe a bit of risk. Good examples on the redemption side might be things like booking United to Hawaii via Turkish Miles & Smiles or transferring to programs with non-extendable miles expiration policies (ANA, Emirates, etc). On the earning side examples might be buying gift cards at office supply stores or participating in buying groups. - SpaethCo 
  • Some people say that this is currently the Golden Age of Credit Cards, but the last 18 months we’ve seen some major devaluations by most of the loyalty programs — which devaluations do you think were worst, and did any affect your future credit card plans? - Keith
  • Alaska just restructured their points and loyalty programs; do you think that Alaska & BofA will release a high annual fee co-branded Alaska Card?  Similar to American, Delta, and United Airlines.  Hopefully Alaska’s card would be a more reward focused card than the other three airlines since Alaska’s lounge network isn’t very good. - Keith
  News Round-Up
  • Citi Adds Preferred Hotels and Resorts I Prefer Program at a 1:4 Rate
  Topics Matt 
  • Do unique transfer partnerships drive customer acquisition to Transferable currency cards or is just jumping to a cobrand sufficient?
  Key
  • How often are you evaluating your annual fees? Any triggers to this?
  Tariq
  • Do you have any cards that give you some sort of “buyer’s remorse?” If so, what were the cards, why did you apply for them, and why do you regret opening them?
  RJ
  • How much do you worry about “overlap” in categories when it comes to your “everyday” credit card line up? Do you want to see 3 or 4 cards with the same categories or do you try to have just 1 or 2 with the “major” ones, i.e. dining or gas.

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani  | Tariq Gaines from Riq’s Rewards | RJ from Do You Take Cards

 

Back to Basics of the Week |  Hilton Honors Status 

 

Viewer questions

• There always seems to be a lot of buzz around "travel protections" on cards, but when you dig into the terms only a small subset of events are covered and the insurance generally excludes the really expensive things that a lot of people assume are covered like buying last-minute replacement flights. (Chase specifically never covers additional/alternate transportation on any of their cards) What's your take on these protections, are they appropriately revered or are they overrated, and is your opinion based on personal experience with the claim process? - SpaethCo
  • Follow up from Keith - Or is a $250 annual travel insurance policy a better option?

• What if you all traded locations? Say RJ moves to Lani's location, Lani moves to Matt's location, Matt moves to Tariq's location, and Tariq moves to RJs location. Would you still keep your strategy or adopt the strategy of the person you are taking the place of, or something in between or entirely different? Thanks (again) for considering. Listen to a bunch of CC content but you guys are my favorite, appreciate the many perspectives on each scenario! - @Double_Double_Animal­_Fries
• As tech continues to rapidly develop What features / real world applications would you like to see merged with credit cards and the overall points & miles game?
  • Bonus question: what’s your favorite app/UI in the credit game? It could be an issuer or 3rd party.
• What’s your process(es) for determining which card(s) to cancel and how do you approach the cancelation process?  I’ve made some mistakes over the years. I won’t cancel a card that is older than my average credit card age. - Keith

 

 

News Round-Up

• New Hyatt Card Welcome Offer.

• Sapphire Reserve adds Air Canada Lounge Access for card holders.
• American Express Green Card losses Loungebuddy credit, and Loungebuddy to be discontinued

 

Topics

Matt 

• Is the Slumbering Giant (Chase) starting to rouse from its lengthy Slumber (CSR moves and improvements, CSP Welcome offer, etc)

 

⠀Lani

• ‘Tis the Season! Holiday travel, Holiday planning, and Card Strategy all coming together. CSP with $300 travel credit offer, CSR with it’s recent changes, Ink Unlimited with “99K” offer, transfer bonus offers, and other offers on the way for sure.  Black Friday now starting on November 1st with travel deals, kids eat free, Daily credit deals, and more. How are you looking to take advantage of this holiday season? New card, get a good redemption for a future vaca with the BF deals, etc?

 

⠀Tariq

• Is it worth to redeem points for domestic travel via a travel portal for the sake of better earning cards with lower/no annual fees? Ex. Using Wells Fargo and/or Citi Cards since they have better earnings multipliers. 

 

⠀RJ

• With now just having the BCP and BCE, is now the time for Amex to allow their two cashback cards to become points like Chase does?

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani  | Tariq Gaines from Riq’s Rewards | RJ from Do You Take Cards

 

Back to Basics of the Week |  When is the best time to get a new card and what do you do once you get the card?

 

Viewer questions

• What preparations do you make for a long domestic/international trip in case of emergencies? - K1d_Cat37
• Since AS-HA transfer is live and everyone is moving HA miles to AS, at what point does AS need to make a devaluation (especially considering MR > HA > AS). It seems the more valuable, lower supply AS is about to be overrun by lower valued, easily acquired HA.- AP
• Dugroz had a live show a few weeks ago where he noted his top 5 overrated cards. I would like to hear what are your top 3 overrated cards each. - AP
• There has recently been a sharp increase in the number of videos addressing “Premium/luxury” cards. What are your views on holding multiple luxury cards? Are you only looking are tangible credits and value or do intangibles play a role in your decision making process. (ie lounge experience, possible upgrades from status, etc) - K1d_Cat37

 

News Round-Up

• Amex quietly removed the Cash Magnet, the Everyday and the Everyday Preferred from their site. 
• Why is no one talking about the Chase transfer bonus to Marriott?

 

Topics

• Matt
  • Quarter 4 starts tomorrow; do we think anything major will happen (Citi and Wells drop their big travel cards, more AmEx refreshes, What is Cap1 cooking?)
• Key
  • What have we learned about waiting for cards/having them no longer taking sign up bonuses by the time we want them”
• Tariq
  • How do you manage the annual fees on your cards, and do you have any ways to subsidize those fees (cash back cards, programs, etc.)?
• RJ
  • What is your favorite credit card? Not the best, not the most useful but your favorite.

Back to Basics of the Week | Business Credit Cards

 

Viewer questions 

 

• What business card do you think receives undue hate from the community that could genuinely help new or new to credit small business owners? (K1d_Cat37)
• What business card would you recommend for an Uber driver (probably the most popular, ubiquitous small business that most have)? Why? - AP 
• Can we start a petition for a Chase Ink Reserve Card?  Why hasn’t Chase released an Ink Reserve Card?  They’ve built out some of their Sapphire Lounge Network, this card would fit in very well in their portfolio and service offerings.- Keith
• Business cards lack some legal consumer protections available to consumer credit as defined in legislation like the Truth in Lending Act and CARD act.  How does that affect what charges you're willing to put on a business card vs a personal card? - SpaethCo

 

News Round-Up 

• None

 

Topics 

 

• Matt 
  • Issuers struck gold with Travel hacking’s discovery of Business cards, and it probably ruined everything for advanced credit card “players.” (and the game in general)
• Lani
  • Are Credit Card enthusiasts ruining business credit cards for the “real” business owners, and as more and more people begin to adopt business cards for their strategies, will the issuers “nerf” it?
• Tariq
  • Would business cards get as much love from the credit card community who have “businesses” if they reported to personal credit bureaus?
• RJ
  • Is there a “problem” with business cards getting personal offers for cashback or points? I’m thinking like a business gold with Amex getting basically all the same offers as the personal gold. 

Back to Basics of the Week | Effective Annual Fee 

 

Viewer questions 

• Question for you guys to consider for future. How do you evolve your CC strategy over time? Maybe you realize you picked the wrong ecosystem or partners from the get go, maybe you started cash back but want to go travel or vise versa. Maybe life changes and therefore amount/ type of spend or location (thus partners) change. How do you reassess this on an ongoing basis and how do you make a pivot? Thanks for considering, y'all are great! - @Double_Double_Animal_Fries
• Do you think the Amex consumer Green Card is going to be refreshed this year?  If so, what would you like seen changed from this underrated card? - Keith 
• For @CallMeLani what would citi or c1 have to do in order for you to transition some of your spend/focus from Chase and Amex? - K1d_Cat37
• Inspired by a bit of self reflection as I'm looking over this US Bancorp wealth management stuff:   What's the most ridiculous amount of effort you've ever expended in pursuit of getting a credit card?   (ie, joining credit unions, getting a card for a year on the hopes of a PC, etc) - SpaethCo 

 

 

News Round-Up 

• Q4 categories 
• United CEO Scott Kirby has some words about the DOT  

 

Topics 

Matt 

-Welcome Offers are the most effective “Return on spend” but there are only so many and only so many pertinent to those who are entrenched with their partners; besides stacks, how else can people maximize their daily spend without making it too much of “job?”

Lani

• Extended Sign-Up-Bonuses: Your thoughts? Chase Freedom Unlimited & Flex recently had 12 month offers/options (extra 1.5X on everything for 12 months up to $20K, Double points no cap after 12 months, 5x on gas/grocery for 12 months. etc.) We’re starting to see this more and more, Ink Business 3 months+3 months, Amex+Resy 6 months with 3 months of 10x dining. Is this the new normal? Do you like it? Thoughts/Opinions?

Tariq

• What are the benefits (if there are any) of being a travel free agent?

RJ

• Are credit card points and miles a sort of spontaneity cheat code?

•One of the underrated benefits of being in the credit card “game” is the ability to get a lot of value but it’s also the ability to do things spontaneously. Credit card points/miles allow you to text a friend and say “you wanna do X” and move points/miles to cover the trip or part of it. Or if paying cash do so effectively. 

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani  | Tariq Gaines  | RJ from Do You Take Cards

 

Back to Basics of the Week | Balance Transfers 

Viewer questions 

• Question for @Tariq Gaines. What would Hilton, Marriott, choice, Wyndham have to do to win your loyalty from Hyatt and IHG? - K1d_Cat37
• Who will end up with the Apple Card? - AP
• How many banked transferable points in your account before you’d switch to cash-back or pay-yourself-back?  Transferring points gets you the highest returns but they are worthless just sitting in an account until you use them.  250k/$2,500, 500k/$5,000, 1M/$10,000, etc.  it’s tax-free money.- Keith
• Now that Matt has experienced his first lounge, is there any desire to expand his access network? - K1d_Cat37
• If you could fix a card by adding one multiplier to the card then which card and multiplier would it be? - Keith 
  • Hard mode, it can't be 2x base earning on the Platinum. - SpaethCo

News Round-Up 

• US Bank new card 

Topics 

Matt | One card in your Wallet has to change the issuer; which one, where does it go, does it change features (if so what) and would it still be worth it to you? Can be a Cobrand or bank card.

Tariq | Are credit card roadmaps worth it? Do you have one, and if so, have you made any adjustments to it since you first made it?

RJ | What is a card you want but you just haven’t hit submit on the app yet and why?

 

Reach us at stackyourpoints@gmail.com

Welcome to a new episode of Stack Your Points! 

This week we have the full show for you with news, viewer questions and 4 fun topics. 

Matt

- Is there such a thing as a “Best Starter ecosystem?” Or should you not worry about how you start in the game? (MC)

 

Lani * “Why do you have it?” Cards. Card which you do not often use. Card (s) that do not fit within your Main/Plan A strategy. Card(s) that have reward currencies which you would go out of your way to use? * Example: I have Amex Platty. I do not use it to purchase everyday things (unless its an Amex offer or point stack). Does not transfer to United/IHG. Only use points to transfer out or a good deal within Amex travel portal. So why do I have it? (yes, I have an answer why.)

 

Tariq * Credit card “strategies” that’ll get you on a bank’s bad side. Do people not know/understand the risk, or do they simply not care until they’re hit with the consequences?

 

RJ * The hosts of Stack Your Points are all sitting at Café Henri in Queens, New York on November 14th in the morning (allowing you to pick the time so you can catch an early flight if you need). We all have our bags with us.  * Using our loyalty programs and the credit cards we have access to, how would each of us get from New York City to Seattle Washington, each traveling solo? * Where would we stay in Seattle if we wanted to stay with a brand we had loyalty with for a five night stay?  * How much did we spend in points and cash? The flight must have at least one layover.  

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani  | Tariq Gaines  | RJ from Do You Take Cards

 

Back to Basics 

Transfer Partners 101: What are Transfer Partners; why do we obsess over them?

 

 If you want to ask a question, you can leave a comment or email StackYourPoints@Gmail.com.

 

Join our Discord: https://discord.gg/hmhYfxfyWN

 

Where to find us 

https://www.youtube.com/@MattClausen

https://www.youtube.com/@CallMeLani

https://www.youtube.com/@DoYouTakeCards 

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani  | Tariq Gaines  | RJ from Do You Take Cards

 

News Round-Up 

None this week. 

 

Back to Basics 

Transfer Partners 101: What are Transfer Partners; why do we obsess over them?

 

Topics 

Matt: Hilton does FNC better, either uncap them or don’t offer them at all. 

 

Lani: There’s a lot of refreshes, new cards [confirmed & rumored], and partnerships happening (i.e. BILT+Walgreens). Once these things are announced, CCYT goes into “worth it/ not worth it,” “keep or cancel.” What changes would you actually like to see happen with CCs?

 

Tariq: Is credit card addiction real, or is there no such thing?

 

RJ: What is your relationship with digital wallets like? Love them? Hate them? Do you have all your cards in there or just some? 

 

 

Viewer questions 

• How do you value points when using them to top up a loyalty account?  Say you want to take a flight that has a cash price of either $650 or 50,000 points (1.3cpp).  You currently have a balance with that airline of 40,000 points/miles, and the airline will sell you miles directly for 3 cents each. - SpaethCo
  • Do you transfer 10k points over to make that redemption instead of paying cash, and if so how do you value those 10k points?
    • A. $650, because it saved you from spending $650 out of pocket at that point in time.
    • B. $300, because that's how much it would cost you to purchase the last 10,000 directly from the airline.
    • C. $130, because the whole redemption was 1.3cpp, so 10k points is only worth $130. (Spaethco)
• We are seeing more tiered SUBS and SUBs with bigger spend requirements.  Do you think SUB spend requirements are going to keep growing or duration or neither? Why do people like Barclays have one transaction SUBs? - AP
• Question for @RJ  specifically. Knowing the limitations on  SkyMiles and the increased cost of attaining/maintaining Delta status. Would you ever see yourself moving your loyalty? Or is your semi-loyalty purely due to geographic constraints? - K1d_Cat37
• In your opinion, what is the most underrated no-AF non-Attune card out there? Mine is the Chase Ink Cash - 5x on streaming, phone services, and cable.  AND up to $25k of Visa & M/C gift cards at office supply stores which you could turn into 5x on any category spending like groceries or dinning. - Keith
• I’d love to see more point stacking examples on earning and on redemptions. - Anthony Bove

 

 

 If you want to ask a question, you can leave a comment or email StackYourPoints@Gmail.com.

 

Join our Discord: https://discord.gg/hmhYfxfyWN

 

Where to find us 

https://www.youtube.com/@MattClausen

https://www.youtube.com/@CallMeLani

https://www.youtube.com/@DoYouTakeCards 

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani  | Tariq Gaines  | RJ from Do You Take Cards

 

Viewer questions 

• How do you value points when using them to top up a loyalty account?  Say you want to take a flight that has a cash price of either $650 or 50,000 points (1.3cpp).  You currently have a balance with that airline of 40,000 points/miles, and the airline will sell you miles directly for 3 cents each. - SpaethCo
  • A. $650, because it saved you from spending $650 out of pocket at that point in time.
  • B. $300, because that's how much it would cost you to purchase the last 10,000 directly from the airline.
  • C. $130, because the whole redemption was 1.3cpp, so 10k points is only worth $130. 
  • Do you transfer 10k points over to make that redemption instead of paying cash, and if so how do you value those 10k points?
• We are seeing more tiered SUBS and SUBs with bigger spend requirements.  Do you think SUB spend requirements are going to keep growing or duration or neither? Why do people like Barclays have one transaction SUBs? - AP
• Question for @RJ  specifically. Knowing the limitations on  SkyMiles and the increased cost of attaining/maintaining Delta status. Would you ever see yourself moving your loyalty? Or is your semi-loyalty purely due to geographic constraints? - K1d_Cat37
• In your opinion, what is the most underrated no-AF non-Attune card out there? Mine is the Chase Ink Cash - 5x on streaming, phone services, and cable.  AND up to $25k of Visa & M/C gift cards at office supply stores which you could turn into 5x on any category spending like groceries or dinning. - Keith
• I’d love to see more point stacking examples on earning and on redemptions. - Anthony Bove

 If you want to ask a question, you can leave a comment or email StackYourPoints@Gmail.com.

 

Join our Discord: https://discord.gg/hmhYfxfyWN

 

Where to find us 

https://www.youtube.com/@MattClausen

https://www.youtube.com/@CallMeLani

https://www.youtube.com/@DoYouTakeCards 

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani  | Tariq Gaines  | RJ from Do You Take Cards

 

News Round-Up 

None this week

 

Topics 

Matt: Hilton does FNC better, either uncap them or don’t offer them at all. 

 

Lani: There’s a lot of refreshes, new cards [confirmed & rumored], and partnerships happening (i.e. BILT+Walgreens). Once these things are announced, CCYT goes into “worth it/ not worth it,” “keep or cancel.” What changes would you actually like to see happen with CCs?

 

Tariq: Is credit card addiction real, or is there no such thing?

 

RJ: What is your relationship with digital wallets like? Love them? Hate them? Do you have all your cards in there or just some? 

 

 

 If you want to ask a question, you can leave a comment or email StackYourPoints@Gmail.com.

 

Join our Discord: https://discord.gg/hmhYfxfyWN

 

Where to find us 

https://www.youtube.com/@MattClausen

https://www.youtube.com/@CallMeLani

https://www.youtube.com/@DoYouTakeCards 

 

Buy your medicine, get your points, move on 

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani  | Tariq Gaines  | RJ from Do You Take Cards

00:00:00 - Intro 00:01:44 - News 00:12:02 - Topics 01:08:32 - Back to Basics 01:12:36 - Viewer Questions 01:37:04 - Ending

News Round-Up 

• • • Our show will now drop on Wednesdays 
    • We go over the Alaska and Hawaiian Airlines merger. 

Topics 

Matt | USBank and Wells Understand Credits; everyone else is annoying.

 

Lani | Is there a “universal” card or strategy for beginners? So many opinions from others about ‘what to do.’ Every answer or opinion is different. So is there a “universal strategy or card?”

 

Tariq | Cent per point valuations aside, does it really make sense to compare cards from different points & miles ecosystems?

 

RJ | Bilt came into the credit card market with a new category or at least a new spin on that category - Rent - what do you see other categories that are ripe for the same treatment?

 

If you want to ask a question, you can leave a comment or email StackYourPoints@Gmail.com.

 

Join our Discord: https://discord.gg/hmhYfxfyWN

 

Where to find us 

https://www.youtube.com/@MattClausen

https://www.youtube.com/@CallMeLani

https://www.youtube.com/@DoYouTakeCards 

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani  | Tariq Gaines  | RJ from Do You Take Cards

 

News Round-Up 

• Delta and Microsoft/Cloudstrike in a war of words 
• The Savor from Cap1 is dead, long live the Savor

 

Topics 

Matt | “Credits minimizers” ruined some cards; stop thinking you’re getting one over on the issuer. 

Lani | Booking domestic flights with airline alliance partners: Is the juice worth the squeeze?

Tariq | 

RJ | What apps or other ways to track do you use that are credit card related? Card Pointers? Max Rewards? A spreadsheet?

 

Jon R's Amex Video

 

If you want to ask a question, you can leave a comment or email StackYourPoints@Gmail.com.

 

Join our Discord: https://discord.gg/hmhYfxfyWN

 

Where to find us 

https://www.youtube.com/@MattClausen

https://www.youtube.com/@CallMeLani

https://www.youtube.com/@DoYouTakeCards 

Welcome back to Stack Your Points! 

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani  | Tariq Gaines  | RJ from Do You Take Cards

 

News: 

• Capital One Rumored to be Launching New Cards
• New JetBlue Plus Card Welcome offer

Topics:

Matt 

- What do you look for when considering a credit card, what do you think others would benefit looking for?

Lani 

• $0 annual fee setup, no more than 3 cards. What are you choosing?

Tariq

• Cash back vs. travel: Determining your “what” for beginning the game.

RJ

• In your opinion, what makes a credit card “good”?

You can email us at stackyourpoints@gmail.com 

Show Notes

Welcome to Stack Your Points! 

 

Hosts: 

Matt Clausen

CallMeLani

Tariq

RJ From Do You Take Cards

 

News Round-Up 

• American Express Gold has dropped! What do we think? 
• Bill has made some changes to Rent Day. 

Topics

Matt

• Don’t make us math credit card companies. Make it easy to track points. 

Lani

• Points vs. Free nights: When to take a standard offer vs the inflated offer, IHG premier personal card

  RJ

• How do you evaluate annual fees and decide when one is worth paying?

Viewer questions

• I’m going away to college soon and trying to figure out which card to get now that I’m 18. What is a good student card to help with my credit score and to help me travel a bit back home and with friends? - Adam
• Will the American Express Everyday and Everyday Preferred be refreshed this year?? What will Amex do? - Anonymous

 

How to contract us via email: StackYourPoints@Gmail.com 

Welcome to  Stack Your Points! 

Hosts: 

Matt Clausen

CallMeLani

Tariq

RJ From Do You Take Cards

 

News Round-Up 

• American Express Gold Rumors have Dropped

 

Topics

Matt

• Is there a Card that you wish another (or your) ecosystem had, which card and why?

Tariq

• What’s the holdup, Wells Fargo? Drop your next round of transfer partners already!

  RJ

• Chase 5/24, why do people 1) care so much 2) treat it like it’s the be all and end all and 3) why don’t more companies have it?

How to contract us via email: StackYourPoints@Gmail.com 

Welcome back to Stack Your Points. 

 

News Round-Up

• Wells Fargo has two MORE new Cards
• Citi Shutters Unused Credit Card Accounts With Losses Soaring
• Capital One & Walmart End Partnership [Cards Converted To Capital One Quicksilver]

Topics

Matt | I want a Reward Network Subscription

Lani | Single strategy vs. multi-strategy, and renting a strategy & Endgame timing, how many cards is enough

Tariq | My weekend staycation with how much I earned and redeemed.

RJ | If you could only have 5 cards the rest of your life, which 5 cards would you have?

 

Viewer questions | None this week. If you want to ask a question, you can leave a comment or email StackYourPoints@Gmail.com.

 

Where to find us

Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani  | Tariq Gaines  | RJ from Do You Take Cards