Is there a downside to having multiple credit cards open?

No. Having multiple credit cards can actually improve your credit score by lowering utilization and increasing available credit.

Do I need to spend a minimum each month to qualify for travel benefits?

Most cards do not require a monthly minimum. Some cards have annual spending thresholds, like $75,000 on the Amex Platinum for extra lounge guest access.

How long before a trip should we reach out?

The earlier the better. Airlines publish schedules 11–12 months out, and while award seats aren’t always released immediately, it helps to plan ahead.

Is there a minimum salary needed to qualify for your services?

No. Clients with both small and large annual spends can benefit. Strategies to maximize points and miles work regardless of income level.

What is the best credit card?

There is no single best card. The right choice depends on your spending habits, travel goals, and preferred transfer partners.

Active Transfer Bonuses

I don’t recommend speculatively transfering points just because there is a transfer bonus. Airlines can devalue their award charts at any moment and without notice. It is always best to keep your credit card points where they are until you are ready to book.

Bilt is on this list as they have a transfer bonus on the first of every month for their Rent Day promotion. It is only available for one day and there is a different partner each month.