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.

Earn 10x Amex Points on Lululemon with Rakuten

Sep 20

Written By Quinn English

If you aren’t using Rakuten when shopping online, you’re doing it wrong. For those that don’t know, Rakuten is an online shopping portal where you can earn cash back on purchases when shopping online. But, you can change your payouts from cash back to American Express points which I value more than cash back.

The Deal- 10x Points at Lululemon

Today, September 20th, 2025 you can earn 10x points (or cash back) on Lululemon purchases. This is a great way to use your new $75 a quarter Lululemon credit from the American Express Platinum. It appears to only be 10x via Rakuten’s app. If you shop on your laptop, you’ll only earn 2x. Don’t have a Rakuten account? Use this link to earn $50 or 5,000 points on your first purchase of $50 or more.

*Earn 10x Points with Rakuten on Lululemon Purchases*

Wrapping Up

Now is the perfect time to use your new Lululemon credit with your Amex Platinum credit as today you’ll earn 10x points by shopping through Rakuten’s mobile app. Just be sure to activate the benefit with American Express first! Haven’t joined Rakuten yet? Use this link to earn $50 or 5,000 points on your first purchase of $50 or more.