#3: Points optimizer Alex Miller joins Chris to go deep on credit cards and points hacks. They discuss the best cards to get right now, how to get thousands of points without spending much money, and ways you should NOT be spending your points.
Alex Miller) is the Founder and CEO of Upgraded Points), a site that helps millions of people each month maximize their points and miles. An avid traveler himself, Alex regularly uses points for extravagant trips around the world, like flying in luxurious first-class cabins complete with onboard bars and showers that would have cost $50,000 if he were paying cash.
Full show notes available at: https://www.allthehacks.com/credit-card-points-alex-miller/)
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Selected Links From The Episode
Connect with Alex Miller: LinkedIn) | Upgraded Points)
Budget tracker: Mint)
Credit card companies that give you a spending report: Chase) | Amex)
Credit card companies that offer transferable points: Chase) | Amex) | Capital One) | Citi)
Leveraging international credit in the US: Nova Credit)
The best points cards right now: American Express® Gold Card) | Chase Sapphire Reserve®) | Chase Sapphire Preferred® Card) | The Platinum Card® from American Express)
Best complementary cards to have: Chase Freedom® Unlimited) | Blue Cash Everyday® Card from American Express)
Keep track of your points: Award Wallet)
Credit Card Travel Portals: Chase) | Amex)
Capital One Venture Rewards Credit Card)
Additional Links from Upgraded Points
Full Show Notes
(01:42) Who is Alex Miller?
(02:30) Alex’s First Taste of Business Class
(06:10) Recognizing Suboptimal Credit Card Optimization
(08:04) Choosing Points Cards Aligned with Spending Habits
(10:02) Downsides of Budget Tracking with Mint
(10:52) Credit Card Impact on Your Credit Score
(13:42) Leveraging International Credit for US Cards
(15:07) Cash Back vs. Points: Which is Better?
(16:23) Combining Benefit of Cash Back and Points
(17:40) Unpacking the Value of Different Points
(18:36) Disadvantages of Using Points for Gift Cards
(19:49) Pitfalls of Airline Credit Cards
(22:00) Hotel Cards: Perks like Free Night Stays
(22:36) Considering High Annual Fee Cards
(24:50) Steps Before Canceling a High Fee Card
(26:37) Chris and Alex’s Point Redemption Triumphs
(34:00) Achievable Free Vacations with Points
(36:27) Current Best Points Card Options
(40:28) Complementary Cards: A Must-Have
(41:15) Optimal Times for Cash Back Card Use
(42:06) Eligibility for Business Credit Cards
(43:43) Getting Amazon Points Beyond Groceries
(45:52) Earning Points Without Spending Money
(47:03) Maximizing Offers on Your Credit Card
(48:59) Accelerating Points via Shopping Portals
(51:18) Organizing Points Across Different Cards
(52:04) Flexible Flying Desires with Points
(54:14) Hottest Sign-Up Bonuses Right Now
(56:30) Demystifying Chase's 5/24 Rule
(57:25) Insights on Capital One
(58:12) Timing Behind Current Major Sign-Up Bonuses
(59:21) Options if Card Application Isn’t Approved
(1:00:09) Post-Bonus Card Retention Duration
(1:02:10) Reasons for Downgrading a Card
(1:04:00) Connecting with Alex Miller
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