The Personal Finance Podcast

How to Maximize Your Travel and Get the Most Out of Your Credit Card Points Points with Chris Hutchins

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Dec 19, 2022
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Chris Hutchins
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ADVICE

Smart Start with Credit Cards

  • First, pay off your credit card bills fully each month to avoid interest negating points value.
  • Choose cards aligning with your spending habits and aim for signup bonuses with manageable minimum spends.
ADVICE

Track Points Carefully

  • Track your points using spreadsheets if apps don't support multiple accounts or partners well.
  • Include expiration dates in your tracking to avoid losing points and take timely action to keep them active.
ADVICE

Pick Flexible Credit Cards

  • Use flexible points cards like Chase Sapphire Reserve and Amex Gold that earn transferable points.
  • Avoid airline or hotel cards solely for earning points; use them primarily for perks like free bags or status.
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