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.

Learn to Fly

15+ years of trial, error, and triumph in the world of travel rewards. Here's everything I've learned about maximizing points, booking award flights, and turning everyday spending into extraordinary trips.

Featured Posts

Learn to Fly

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Review: New Citi Strata Elite

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American Express and Citi Devalue Emirates Transfers

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Review: New Citi Strata

Citi replaces Rewards+ with the new Citi Strata card.

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Earn 50k Miles with the AAdvantage Platinum

Earn 75,000 American Airlines miles after spending $3,500 in the first 4 months.

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Review: Citi Strata Premier

Citi just relaunced the Premier as the Strata Premier with a number of nice enhancements.

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Review: Citi AAdvantage Executive World Elite Mastercard

The Citi AAdvantage Executive World Elite Mastercard is the best way to get American Airlines Admirals Club access plus it comes with a ton of other great benefits and a nice sign up bonus