Credit Cards Points and Miles Q&A (Best Cards, Top Bonuses, Earning on a Budget, Points Apps and More)

#76: Host Chris Hutchins tackles questions all about credit cards, points and miles. From his favorite credit cards (and two card combos) to racking up points on a small budget, preventing points from expiring, redeeming points, tools and services to manage your points, and what happens to your points when you die. 

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Partner Deals (Advertiser Disclosure)

Pacaso: Free early access to listings and $2,500+ in closing credits

Vuori: 20% off the most comfortable performance apparel I've ever worn

Dry Farm Wines: Get an extra bottle of extraordinary natural wine for just 1¢

Links

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Favorite Cards

• Chase Sapphire Reserve® - 3x Dining/Travel
• Chase Sapphire Preferred® Card - 3x Dining, 2x Travel
• Chase Freedom Unlimited® - 3x Dining/Drug Stores, 1.5x Everything
• Capital One® Venture X Rewards Credit Card - 2x Everything
• Capital One® VentureOne® Rewards Credit Card- 2x Everything
• Capital One® Savor® Cash Rewards Credit Card - 4x Dining/Entertainment/Streaming, 3x Groceries
• Citi Premier® Card- 3x Dining/Groceries/Gas/Airfare/Hotels
• Citi® Double Cash Card - 2x Everything
• American Express® Gold Card - 4x Dining/Groceries
• American Express® Green Card - 3x Dining/Travel
• Bilt Mastercard® - 3x Dining/Travel

Top Welcome Bonuses

• Citi Premier® Card- 80,000
• Capital One® Venture X Rewards Credit Card - 75,000
• Capital One® VentureOne® Rewards Credit Card - 75,000
• American Express® Gold Card - 70,000
• The Platinum Card® from American Express - 100,000
• Hilton Honors American Express Card - 100,000
• Hilton Honors American Express Surpass® Card - 130,000
• IHG® Rewards Premier Credit Card - 140,000

Other Cards Mentioned

• Blue Cash Preferred® Card from American Express - 6x Groceries/Streaming, 3x Gas/Transit

Top Business Card Welcome Bonuses

• Chase Ink Business Preferred® Credit Card - 100,000
• Chase Ink Business Cash® Credit Card - 75,000
• Chase Ink Business Unlimited® Credit Card - 75,000
• United℠ Business Card - 150,000
• Capital One® Spark® Miles for Business - 50,000
• Capital One® Spark® Cash Plus - 100,000

Resources

• Straight to the Points Newsletter
• All the Hacks Transfer Partner List
• Upgraded Points: When do airlines release award seats?
• AwardWallet
• TPG App
• Point.me (Promo Code: ALLTHEHACKS)
• ExpertFlyer
• AwardNexus
• AwardLogic
• KVS Tool

Deals

• 30,000 Points With American Express® Business Checking
• Two Months of Southwest Companion Pass
• 2,500 Wyndham Points with Bakkt
• 10-15k Chase Points with Refer-a-Friend

Full Show Notes

Q: Best Credit Cards [2:45]

• Chase [4:07]
• Citi and CapitalOne [6:39]
• Amex [9:18]

Q: Accruing points in one place [10:23]

Q: Best Signup Bonuses [11:25]

Q: Best card for visiting kid in college [16:55 ]

Q: Cards for big upcoming expenses [18:29]

Q: Best Family Card [21:08]

Q: Best Business Cards [21:43]

Q: Using authorized users to build credit [23:41]

Q: How to meet minimum spend requirements [25:21]

Q: Earning miles on foreign carrier [28:13]

Q: How do you earn so many points? [29:05]

Q: Do points expire? [31:52]

Q: What happens to your points if you die? [36:56]

Q: Utilizing points for a large group  [40:14]

Q: Best transfer partners [42:55]

Q: What’s your points tool stack? [44:01]

Q: How far in advance do you book to get the best deal? [47:54]

Latest Deals [51:32]

Sponsors

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Vuori

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To get the most comfortable and versatile clothing on the planet with 20% off your first purchase (plus free shipping on any US order over $75 and free returns) visit allthehacks.com/vuori

Dry Farm Wines

Dry Farm Wines is my new favorite way to find great wines that are sustainably produced and leave me feeling better the next day. They source all their wines according to the world’s strictest criteria: They're organically grown, sugar free, low alcohol, lab tested for purity, grown on small, family farms and keto & paleo approved. And every bottle is protected by their 100% happiness promise, so if you don’t love it, they’ll replace or refund it.

Every box is shipped directly to your door, free of charge and you can get extra bottle in your first box for just 1¢ atallthehacks.com/wine

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The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

Editor’s Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.