
The Rich Somers Report How to Turn Your Points into your Dream Lifestyle: Credit Card & Travel Hacks⎟Eli Facenda E411
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Oct 16, 2025 Eli Facenda, known as The Travel Guy, is a travel and points strategist who helps entrepreneurs maximize their everyday spending for unforgettable travel experiences. In this conversation, he reveals how to earn travel points from mortgages and payroll, and discusses the best credit cards to use. Eli shares insider tips on redeeming points for high-value flights and luxury accommodations, critiques the Amex Black card, and highlights bucket-list adventures like gorilla trekking and Mario Kart tours in Tokyo, all while emphasizing the importance of experiential wealth.
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Points On Mortgages Are Coming
- Built Rewards will allow earning points on mortgages in 2026, opening a huge new points source.
- Adding mortgages to rent and payroll points changes the game for personal and investor spending.
Put Business Expenses On Card Strategically
- Use a third-party processor to put payroll, rent, or inventory on a card and earn points despite the ~2.9% fee.
- Do the math: with the right card and redemptions you can net 6–10% back, outweighing the fee.
Pick Cards That Earn On Misc Spend
- Use Capital One Venture X for Business for unlimited 2 points per dollar on non-category spend.
- Pair that earning with smart redemptions to avoid losing money to processing fees.



