All the Hacks: Money, Points & Life How to Earn Millions of Points and More Listener Q&A
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Jan 28, 2026 A deep dive into how signup bonuses and smart spending created a mountain of points. Practical rules on credit-score effects, approval limits, and when business cards beat personal ones. Tips on meeting minimum spend, paying taxes by card, and which cash-back options rival points. Clear advice on simplifying a complex hobby into two main cards plus targeted signups.
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Signup Bonuses Drive Most Points
- Signup bonuses were the biggest contributor to Chris Hutchins' points haul and can far outpace everyday spend.
- Across many cards, signup bonuses compound into millions of points if you open and keep redeeming slowly.
How He Boosted Spend Without Spending More
- Chris describes tactics he used to increase spend without raising expenses, like paying group meals and booking trips for others then getting reimbursed.
- He also started businesses and group trips that naturally put large expenses on cards, boosting points.
Use Business Cards Strategically
- Prioritize business cards when eligible because they often carry larger bonuses and frequently don't report to personal credit.
- You don't need a formal company; freelancing, side gigs, or reselling can qualify as a business for card applications.