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.

American Express Devalues Transfers to Cathay Pacific

Dec 8

Written By Quinn English

Just a few days ago we saw Citi join most other credit card providers and devalue their transfers to Emirates Skywards. Now, American Express is devaluing another one of their transfer partners, this time with Cathay Pacific Asia Miles.

Cathay Pacific Transfers Devalued as of March 1st, 2026

Starting on March 1st, 2026, American Express transfers to Cathay Pacific will go from 1:1 to 5:4. This means that for every 1,000 points transferred, you will only get 800 Cathay Pacific Asia Miles.

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