Tag: Credit Card Strategy
Quick Hits: Chase Sapphire Refresh Rumors, a New Caribbean Resort to Book With Points, and More!

Quick Hits: Chase Sapphire Refresh Rumors, a New Caribbean Resort to Book With Points, and More!

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In this Quick Hits episode, DeAndre Coke dives into the latest updates from the world of travel rewards and points strategies. He covers listener feedback, highlights a new all-inclusive Hyatt resort in Saint Lucia, unpacks the devaluation of Iberia Avios, shares tips for upgrading to Emirates First Class without elite status, and revisits the ZilMoney payroll-on-card saga. He also breaks down rumors about significant changes to the Chase Sapphire Reserve and answers a listener’s question about building credit as a college student.

This episode provides timely guidance for maximizing redemption value amid changing reward structures and transfer ratios. DeAndre also shares personal insights on why booking all-inclusive stays with points can lead to outsized value—and how small booking details like guest count can make a big difference. If you’re managing your family’s rewards strategy or just starting to build credit, you’ll find plenty of smart, actionable insights packed into this week’s updates.

 

Key takeaways: 

  • Chase IHG Certs Clarified: 60K certs cannot be topped off—unlike the 40K ones.
  • New Hyatt All-Inclusive: Secrets Saint Lucia Resort is now bookable with points.
  • Iberia Avios Devaluation: East Coast to Madrid redemptions increase by 19%.
  • Emirates Upgrade Workaround: Non-elites can still upgrade at check-in using miles.
  • ZilMoney Update: Payroll on credit card may return by end of June.
  • Sapphire Reserve Rumors: $795 fee and new travel and dining benefits may be on the way.
  • Building Student Credit: Capital One SavorOne Student is a solid early credit card option.
  • Authorized Users & Credit History: Adding children to fee-free cards can help build long-term credit.

 

Resources:

 

Interested in Financial Planning?

 

Some of Our Favorite Tools For Elevating Your Points & Miles Game:

Note: Contains affiliate/sponsored links

 

Connect with DeAndre Coke: 

 

 

 

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Unpacking The One App that Will Make Earning Points & Saving Money Substantially Easier: CardPointers Explained (Ep. 78)

Unpacking The One App that Will Make Earning Points & Saving Money Substantially Easier: CardPointers Explained (Ep. 78)

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In this episode of Revolutionizing Your Journey, DeAndre Coke sits down with Emmanuel, the founder of CardPointers—a game-changing app designed to help travelers optimize their credit card usage and maximize points and miles. Emmanuel shares how a personal challenge managing multiple cards led him to build CardPointers, and how the app has evolved into a powerful tool for both beginners and seasoned travel hackers.

The conversation highlights standout features, including automated offer tracking, an Autopilot mode that recommends the best card to use based on your location, and an Augmented Reality interface that displays savings opportunities at nearby stores. Emmanuel also breaks down the differences between the free and pro versions, upcoming features, and how CardPointers protects user privacy without requiring sensitive logins.

This episode delivers practical insights, pro tips, and plenty of inspiration for smarter travel.

 

Want to sign up for CardPointers? Use our link here

 

Key Highlights:

  • CardPointers origin: Born from Emmanuel’s personal need to simplify credit card tracking.
  • Smart card recommendations: The App shows which card to use for every purchase.
  • Built-in offers: Automatically integrates bank deals to boost savings.
  • Autopilot & AR mode: Recommend cards based on real-time location and store data.
  • No sensitive data required: Maintains complete user privacy and security.
  • Free vs Pro: Free version is great for beginners; Pro unlocks advanced tools.
  • Future features: Includes shopping portal integration and on-device analytics.
  • Maximized redemptions: Helps unlock luxury travel with points and miles.
  • Flexible strategy: Users are encouraged to take it slow and build over time.
  • Track Chase 5/24: Keeps tabs on account limits to help with time applications.

 

Resources:

 

Interested in Financial Planning?

 

Some of Our Favorite Tools For Elevating Your Points & Miles Game:

Note: Contains affiliate/sponsored links

 

Connect with DeAndre Coke: 

 

Connect with CardPointers:

 

 

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Quick Hits: Is it Time to Give Up the Capital One Venture X? Huge IHG SUB, Thrifty Traveler’s 10th Birthday and More!

Quick Hits: Is it Time to Give Up the Capital One Venture X? Huge IHG SUB, Thrifty Traveler’s 10th Birthday and More!

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In this value-packed Quick Hits episode, DeAndre Coke breaks down the most significant developments in the points and miles world—from exciting transfer bonuses and premium card promos to major airline pricing changes and credit card legislation that could impact your travel rewards. He highlights Thrifty Traveler’s limited-time 50% off deal, an elevated IHG card bonus offering 5 free nights, new baggage fees from Southwest, and a game-changing partnership between United and JetBlue.

DeAndre also shares updates on Amex, Chase, and Citi transfer bonuses, the Capital One lounge guest access shake-up, and the growing concern over the Credit Card Competition Act. Whether you’re just getting started with points or already planning your next redemption, there’s something in this episode for you. Listeners are also reminded to take advantage of free strategy consultations to get personalized travel game plans.

 

Key takeaways: 

  • Thrifty Traveler Premium: 50% off during their 10th anniversary sale.
  • IHG Premier Card: New signup bonus with five free night certificates.
  • Delta Fixes Pricing: Ends higher solo traveler fares.
  • Southwest Changes: Ends “bags fly free” policy.
  • Transfer Bonuses: 30% Amex → Avios, 25% Chase → Virgin, 25% Citi → Wyndham.
    United x JetBlue Partnership: Easier booking, point redemptions, and elite perks.
  • Capital One Lounge Access: Guest access gets more expensive in 2026.
  • Credit Card Competition Act: Could threaten reward programs—take action.
  • Free Travel Strategy Sessions: Book through our website for personalized assistance.

 

Resources:

 

Interested in Financial Planning?

 

Some of Our Favorite Tools For Elevating Your Points & Miles Game:

Note: Contains affiliate/sponsored links

 

Connect with DeAndre Coke: 

 

 

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The Psychology of Points: Mastering Behavior, Not Bonuses (Ep. 77)

The Psychology of Points: Mastering Behavior, Not Bonuses (Ep. 77)

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This episode isn’t about earning your next big bonus or finding the hottest travel deal—it’s about the mindset that makes all of it sustainable. 

DeAndre Coke shares a powerful solo session unpacking how mastering points and miles is less about tactics and more about behavior. Drawing insights from the book “The Psychology of Money” and over a decade of advising experience, he explains why understanding your habits, defining your version of “enough,” embracing optionality, and building identity-driven financial discipline can unlock not just better travel, but a better life. 

If you’re ready to stop chasing and start strategizing, this one’s for you.

 

Key Highlights:

  • Behavior > Bonuses: Winning with points is about patience and discipline, not just card hacks.
  • Define “Enough”: Set intentional goals to avoid endlessly chasing bigger redemptions.
  • Optionality = Power: Having points gives you choices—and that’s where absolute travel freedom begins.
  • Hedonic Adaptation: The more you redeem, the more you adapt—learn to appreciate and recalibrate.
  • Delayed Gratification: Waiting for the proper redemption often leads to the most significant wins.
  • Diversification Matters: Don’t hoard points in one program; spread risk and gain flexibility.
  • Self-Sabotage is Real: Overspending for bonuses or never redeeming points are behavioral pitfalls.
  • Identity Drives Action: Seeing yourself as a savvy strategist helps you naturally make better decisions.
  • Quiet Accumulation Pays: Consistent, smart habits lead to long-term travel wealth.
  • Points as Practice: This is more than travel—it’s training for financial self-mastery.

 

Resources:

 

Interested in Financial Planning?

 

Some of Our Favorite Tools For Elevating Your Points & Miles Game:

Note: Contains affiliate/sponsored links

 

Connect with DeAndre Coke: 

 

 

 

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Are Credit Card Points Taxable? A CPA Explains What the IRS Actually Cares About with Rachel Earl (Ep. 75)

Are Credit Card Points Taxable? A CPA Explains What the IRS Actually Cares About with Rachel Earl (Ep. 75)

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Are your points and miles taxable?

 In this episode, host DeAndre Coke is joined by CPA Rachel Earl to demystify the often-confusing world where travel rewards and taxes meet. They unpack how the IRS views points earned from credit card sign-up bonuses, referral links, and cashback programs, and clarify when travel rewards might be considered income.

The conversation also dives into smart tax planning strategies that can earn you valuable points—like paying estimated taxes by card—and covers key insights around bank bonuses, QuickBooks tracking, and business credit card usage. Rachel shares her professional insights as well as personal travel tips, offering a rare intersection of finance, strategy, and wanderlust. This episode is a must-listen for anyone looking to navigate the financial side of travel rewards with more clarity and confidence.

 

Key Highlights:

  • Points vs. taxes: Points and miles from sign-up bonuses are not taxable, but referral bonuses may be.
  • IRS guidance: Current IRS rulings on this topic haven’t been updated since 2002.
  • Cashback simplicity: Cash back is generally not considered taxable income.
  • Credit card usage: Personal cards can be used for business expenses with proper documentation.
  • IRS priorities: The IRS does not track individual cardholders or card usage patterns.
  • Bank bonuses: These are reported on 1099-INT forms and are treated as interest income.
  • W2 caution: W2 employees should be careful when opening a business entity for points purposes.
  • Estimated tax payments: Can be used to earn points, but risks and limits apply—especially in states like California.
  • Record-keeping: QuickBooks or other tracking tools help streamline expense categorization.
  • Wanderlog for travel: A useful tool for organizing travel plans and expenses.

 

This episode is sponsored by Saily. Use Code BOLDLYGO for a 15% discount

 

Resources:

 

Interested in Financial Planning?

 

Some of Our Favorite Tools For Elevating Your Points & Miles Game:

Note: Contains affiliate/sponsored links

 

CPA’s Footnotes:

 

Connect with DeAndre Coke: 

 

Connect with Rachel Earl:

 

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Quick Hits: Hyatt Adds The Standard Hotels, Emirates First Class Lockdown, Rakuten Promo Alert & More!

Quick Hits: Hyatt Adds The Standard Hotels, Emirates First Class Lockdown, Rakuten Promo Alert & More!

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Planning your summer 2025 travel? Now might be the perfect time to book. 

In this Quick Hits episode, DeAndre Coke shares key updates from his recent trip to Roatan and fresh news in the points and miles world. He covers limited-time transfer bonuses, how to spot travel savings on previously booked trips, and why Rakuten’s 7,500 Amex point promo is worth jumping on. You’ll also hear why Newark Airport might be best avoided for now, how Hyatt integrates The Standard hotels, and what Hyatt’s new gifting rules mean for loyal travelers. 

Finally, DeAndre breaks down Emirates’ move to restrict first-class redemptions and how to still unlock the experience through strategic credit card plays.

 

Key takeaways: 

  • Roatan reflections: A surprisingly incredible stay at the Grand Kimpton Roatan, made better with points and Amex FHR perks.
  • Summer 2025 alert: Now is the sweet spot for booking cheap domestic flights before prices spike.
  • Travel disruptions: Newark Airport is seeing significant delays and cancellations—consider alternative routes.
  • Booking tip: Already booked a summer trip? Check current pricing—DeAndre saved $300 and 70k Hyatt points on a rebook.
  • Rakuten promo: New users can get 7,500 Amex points with just $25 in spending through Rakuten.
  • Hyatt & The Standard: The Standard hotels officially join World of Hyatt with elite perks intact.
  • Award gifting limits: Hyatt will limit members to 10 award gifts received per year starting June 7.
  • Emirates first-class restrictions: As of May 12, only Skywards elite members can redeem for first class.
  • Credit card workaround: Get Emirates Silver or Gold elite status through co-branded Skywards cards to retain access.

 

Resources:

 

Interested in Financial Planning?

 

Some of Our Favorite Tools For Elevating Your Points & Miles Game:

Note: Contains affiliate/sponsored links

Connect with DeAndre Coke: 

 

 

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Planning the Ultimate F1 Grand Prix Experience on Points with Jenna of @travelersinlaw (Ep. 71)

Planning the Ultimate F1 Grand Prix Experience on Points with Jenna of @travelersinlaw (Ep. 71)

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Ever wondered how to make luxury travel to a world-class Formula 1 race affordable? 

In this episode of Revolutionizing Your Journey, host DeAndre Coke sits down with attorney-turned-travel-hacker Jenna of @travelersinlaw to explore exactly that. Jenna shares how she went from burnout in the legal profession to building a lifestyle fueled by points and miles—one that now includes an upcoming trip to the F1 Italian Grand Prix 2025 in Monza.

They dive into how to strategically earn and redeem points, the best credit card approaches for high-value travel, and what it takes to attend global events like Formula 1 without breaking the bank. Jenna also opens up about how travel became part of her self-care routine, why it’s okay to explore without a perfect itinerary, and how busy professionals can still make unforgettable trips a reality.

This episode is packed with real-world advice, smart strategies, and inspiration for travelers looking to elevate their experiences using points and miles.

 

Key Highlights:

  • Burnout Recovery: Travel as a tool for self-care and balance.
  • Credit Strategy: Smart use of cards and bonus categories boosts rewards.
  • Monza Planning: Insight into budgeting for the 2025 Italian Grand Prix.
  • Luxury on Points: Premium hotels and flights are within reach with the right strategy.
  • F1 Travel Costs: What to expect and how to offset costs with points.
  • Flexible Itineraries: It’s okay not to plan every minute—some freedom is part of the fun.
  • Credit Scores: Managing your credit while optimizing travel benefits.
  • Busy Professionals: Why taking time off is essential—and how to make it worth it.
  • Long-Term Wins: Starting small in points and miles leads to big travel gains.

 

 

Resources:

Resources:

Interested in Financial Planning?

 

Some of Our Favorite Tools For Elevating Your Points & Miles Game:

Note: Contains affiliate/sponsored links

Connect with DeAndre Coke: 

 

Connect with Jenna:

 

 

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Quick Hits: ANA’s Devaluation, How to re-qualify for Chase’s Biggest Bonus & More!

Quick Hits: ANA’s Devaluation, How to re-qualify for Chase’s Biggest Bonus & More!

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Is ANA’s legendary around-the-world ticket going away for good?

In this Quick Hits episode, DeAndre Coke checks in from the Dominican Republic—on a site visit for his upcoming wedding—to bring you the latest news in the world of travel, points, and miles. He breaks down ANA’s significant devaluation, explains the ticking clock on booking their coveted around-the-world ticket, and clarifies who’s eligible for Chase Sapphire Preferred’s elevated 100,000-point offer.

DeAndre also shares the latest updates on Zil Money’s delayed card processing system for payroll and offers a transparent follow-up to a recent discrepancy between a podcast and Instagram about his use of points versus travel insurance for a flight delay. If you’re looking to stay sharp on offers, program updates, and real-life travel hacks, this episode is packed with practical insights—recorded right from paradise.

Tune in to stay ahead on travel strategy and loyalty program changes.

 

Key takeaways: 

  • ANA Around-the-World Ticket: Book by June 24 before ANA eliminates this aspirational redemption.
  • ANA One-Way Redemptions: ANA will finally allow one-way point bookings, offering more flexibility.
  • Chase Sapphire Preferred Bonus: A 100,000-point welcome offer is available—but only if you meet strict eligibility rules.
  • Zil Money Update: The platform is still down due to overwhelming demand; processing is expected to resume soon.
  • Travel Insurance Clarification: DeAndre confirms he used points (not cash) for a Hyatt stay during a flight delay, and breaks down how trip delay coverage varies by card.
  • Trip Delay Insurance Tip: Chase Sapphire Preferred = 12-hour delay or overnight stay; Reserve = 6-hour delay coverage.

 

Resources:

Resources:

 

Interested in Financial Planning?

 

Some of Our Favorite Tools For Elevating Your Points & Miles Game:

Note: Contains affiliate/sponsored links

Connect with DeAndre Coke: 

 

 

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Revolutionize Your Travel: Must-Have Tools to Plan, Book, and Organize Your Points & Miles Game (Ep. 69)

Revolutionize Your Travel: Must-Have Tools to Plan, Book, and Organize Your Points & Miles Game (Ep. 69)

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Have you ever wondered what tools a points and miles expert uses to book smarter, earn faster, and stay organized while traveling?

In this solo episode of Revolutionizing Your Journey, host DeAndre Coke breaks down his personal travel toolkit—from the apps that help him choose the right credit card at checkout, to the tools he swears by for booking award flights and organizing itineraries. From automating credit card offers with Card Pointers to searching for award flights with tools like PointsYeah and Seats.aero, DeAndre walks listeners through each step of his travel planning process. He also discusses the value of platforms like Zil Money for earning points on business expenses, and apps like TripIt for keeping itineraries organized. This episode offers practical insights for travelers looking to simplify and optimize their rewards-based travel. 

This post contains affiliate links for some of the products mentioned, but we personally use and pay for most of these services ourselves because we believe in their value. We want to share the best points and miles tools that have helped us maximize our travel rewards.

 

Key Highlights:

  • Card Pointers: An app that helps users choose the best credit card for each purchase and automatically loads Amex and Chase offers without logging in.
  • Zil Money: Platform that lets businesses earn points by processing payroll through credit cards—useful for hitting sign-up bonuses and earning high multipliers.
  • Travel Freely: This tool tracks credit card annual fees and sign-up bonuses and helps users comply with Chase’s 5/24 rule.
  • PointsYeah: Award flight search engine with features like Daydream Explorer and live seat maps, making it easier to spot high-value redemptions.
  • Seats.aero: A power-user tool for finding award seat availability, especially useful for last-minute and expert-level searches.
  • Points Path:  The first award flight search engine that runs directly in Google Flights, and provides both the cash price and points price of many flights.
  • FlightConnections: Visualization tool showing all direct routes between airports—great for mapping international travel and alliance-specific itineraries.
  • Boldly Go Calculators: Transfer Bonus Calculator and Point Redemption Calculator simplify reward math and show real point value.
  • Point.me: Beginner-friendly award search tool that includes step-by-step guides and Amex cardholder access for free.
  • Thrifty Traveler: Subscription service that sends alerts for award availability, mistake fares, and significant cash deals.
  • TripIt: Travel organization app that builds an itinerary from confirmation emails and syncs across devices—even offline. Helpful for keeping track of complex trips and flight changes.

 

Episodes Mentioned:

 

Resources:

 

Connect with DeAndre Coke: 

 

 

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Choice Hotels, Citi Points, and Irish Charm: A Unique Points and Miles Strategy by @thepointsflygirl (Ep. 67)

Choice Hotels, Citi Points, and Irish Charm: A Unique Points and Miles Strategy by @thepointsflygirl (Ep. 67)

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What happens when a criminal defense attorney turns her free time during the pandemic into learning about travel rewards strategies?

 In this episode of Revolutionizing Your Journey, host DeAndre Coke sits down with Deanna Keane aka @pointsflygirl, an attorney by day and a points and miles expert by passion. Deanna shares her journey into the world of points and miles, including how she leverages Citi ThankYou points, Amex Business Platinum benefits, and underappreciated programs like Choice Hotels to craft unforgettable experiences. 

From her favorite redemptions in Ireland to unique travel moments in Iceland, this conversation is packed with actionable tips for travelers looking to maximize value without sacrificing quality.

Whether you’re curious about driving in Ireland, booking with kitchenettes in Iceland, or how to score the best deals from Vegas to Dublin, Deanna breaks it down in a relatable, strategic way. Tune in and discover how smart planning, flexible redemptions, and a little creativity can unlock global adventures.

 

Key Highlights:

  • Pandemic Pivot: Deanna began exploring points and miles during COVID and found a new passion.
  • Strategic Redemptions: Citi ThankYou Points offer substantial value for everyday spending and travel.
  • Hidden Gems: Choice Hotels often provide surprisingly good redemption opportunities.
  • Ireland Tips: The Dingle Peninsula and Blarney Castle are must-visit destinations.
  • Flight Deals: KLM and British Airways offer interesting routes and redemption options.
  • Best Time to Visit Ireland: May through September offers ideal weather for exploration.
  • Drive to Discover: Renting a car in Ireland enhances the experience beyond tourist hotspots.
  • Iceland Insights: Booking hotels with kitchenettes helps save money in a pricey destination.
  • Wine Hack: You can purchase wine at the airport in Iceland—perfect for budget travelers.

 

 

Resources:

 

Connect with DeAndre Coke: 

 

Connect with Deanna Keane:

 

 

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