Tag: Travel Rewards
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!

By |

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: 

 

 

 

Podcast: Play in new window | Download | Embed

Subscribe: Youtube Music | RSS | More

FEATURE IMAGE
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)

By |

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:

 

 

Podcast: Play in new window | Download | Embed

Subscribe: Youtube Music | RSS | More

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

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

By |

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: 

 

 

 

Podcast: Play in new window | Download | Embed

Subscribe: Youtube Music | RSS | More

FEATURE IMAGE
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)

By |

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:

 

Podcast: Play in new window | Download | Embed

Subscribe: Youtube Music | RSS | More

FEATURE IMAGE
[YouTube Bonus] How I Stayed at a $7,500 Ski Resort for FREE Using Points | Park Hyatt Beaver Creek Review

[YouTube Bonus] How I Stayed at a $7,500 Ski Resort for FREE Using Points | Park Hyatt Beaver Creek Review

By |

Can you enjoy a luxury ski trip for almost free? 

In this episode, DeAndre Coke shares his four-night stay at the 5-star Park Hyatt Beaver Creek in Colorado—paid entirely with points and miles. This trip had everything from a suite upgrade and gourmet breakfasts to ski-in, ski-out access and firepit s’mores. 

Tune in to hear how DeAndre booked the stay, tips for maximizing your points, and what to expect from one of Colorado’s most family-friendly mountain resorts.

 

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: 

 

 

Podcast: Play in new window | Download | Embed

Subscribe: Youtube Music | RSS | More

FEATURE IMAGE
From Gigs to Getaways: How Musicians Can Travel Smarter Using Points & Miles with @miles_maestro (Ep. 74)

From Gigs to Getaways: How Musicians Can Travel Smarter Using Points & Miles with @miles_maestro (Ep. 74)

By |

How can musicians and creatives take advantage of points and miles to make travel more affordable—and more meaningful?

In this episode of Revolutionizing Your Journey, host DeAndre Coke chats with musician and points enthusiast Matt Jamele, better known as @miles_maestro, about the travel challenges artists face and the strategies that can make the road a little smoother.

Matt shares how his desire to travel more—despite the financial unpredictability of being an artist—led him to the world of points and miles. From choosing the right credit cards and maximizing free night certificates to creating unforgettable moments on the road, he offers practical advice for creatives who want to stretch their travel budgets. The conversation touches on lounge access, business card perks, and how to keep things simple while still traveling well. If you’re touring across the country or planning a well-deserved getaway between gigs, this episode will inspire you to rethink your travel as an artist.

 

Key Highlights:

  • Matt’s beginnings: His passion for travel grew while navigating the financial realities of being a working musician.
  • Business card benefits: A business credit card can offer valuable rewards for artists with side income.
  • Lounge access perks: Airport lounges provide much-needed comfort between gigs or flights.
  • Simple card strategy: A lean card setup is often more manageable and effective for creatives.
  • Redemption value: Points can be used for experiences that create lasting memories, not just luxury.
  • Ask for help: There’s a growing community of travel hackers willing to guide beginners.
  • Travel mindset: The focus should be on enjoying the journey, not overcomplicating it with dozens of strategies.
  • Accessible travel: With a bit of planning, even independent artists can explore the world without overspending.

 

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

Connect with DeAndre Coke: 

 

Connect with Matt Jamele:

 

 

 

Podcast: Play in new window | Download | Embed

Subscribe: Youtube Music | RSS | More

FEATURE IMAGE
Travel Smarter with Joy & Mara of @savvytravelmamas: Points, Timeshares & Travel Freebies (Ep. 73)

Travel Smarter with Joy & Mara of @savvytravelmamas: Points, Timeshares & Travel Freebies (Ep. 73)

By |

Can vacation clubs and timeshares be worth it, and how do you avoid the traps?

 In this episode of Revolutionizing Your Journey, host DeAndre Coke welcomes Joy Smith and Mara Rice, better known as the Savvy Travel Mamas, for a candid conversation on travel strategies, points and miles, and making family vacations a reality without breaking the bank. Mara shares how she started travel hacking decades ago out of financial necessity. At the same time, Joy reflects on her evolution from avoiding travel planning to becoming the go-to organizer for unforgettable getaways.

They break down the difference between vacation clubs and timeshares, discuss how to spot (and avoid) high-pressure sales tactics—especially in Las Vegas—and explain why freebies can be both a perk and a pitfall. You’ll also hear personal stories from their stays at Hilton and Hyatt resorts, tips for using credit cards wisely, and prioritizing experiences without overspending. This episode offers a practical guide for families, beginners, and anyone curious about getting more from their travels through smart planning and intentional choices.

 

Key Highlights:

  • Mara’s beginnings: She started using points and miles out of necessity, proving you don’t need money to travel smart.
  • Joy’s shift: Initially hesitant, Joy embraced travel planning to prioritize family vacations.
  • Vacation club clarity: Understanding the structure of vacation clubs vs. timeshares is critical to making wise decisions.
  • Maximizing redemptions: Spacious accommodations and points strategy make family travel more affordable.
  • Common mistakes: Many people jump into timeshares without understanding what they buy.
  • Financial insight: Being financially responsible when considering ownership is key.
  • Presentation strategy: If you prepare, you can attend sales presentations just for the perks.
  • Vegas freebies: Joy and Mara reveal how they scored thousands in vacation value just by showing up.
  • Family-first mindset: Travel should work around your family’s needs, not the other way around.
  • Start small: You don’t have to jump into luxury travel—start where you are and build from there.

 

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

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 savvytravelmamas:

 

 

Podcast: Play in new window | Download | Embed

Subscribe: Youtube Music | RSS | More
Quick Hits: Chase & Amex Pause Emirates Transfers, The Zil Money Payroll Saga Continues and More!

Quick Hits: Chase & Amex Pause Emirates Transfers, The Zil Money Payroll Saga Continues and More!

By |

Is travel finally getting cheaper again? In this Quick Hits episode, DeAndre Coke breaks down the latest shifts in travel trends, including a noticeable drop in flight prices and increased award seat availability, especially in business and first class. He explains why now might be the ideal time to snag flight deals using points or cash and shares valuable tools for smarter travel booking, including the newly launched hotel search tool Gondola.

DeAndre also provides an update on the ongoing saga of using payroll for your credit cards with Zil Money, which has been down for over a month now. He also covers a fast-closing loophole that lets travelers transfer Amex points to Alaska Airlines miles. He warns listeners about the upcoming temporary suspension of point transfers from Chase and Amex to Emirates. The episode closes with a heads-up on an active 30% transfer bonus from Citi ThankYou Rewards to Virgin Atlantic Flying Club, along with key considerations for making the most of those points.

From smart booking strategies to maximizing redemptions, this update helps you make the most of the current travel climate.

 

Key takeaways: 

  • Flight Prices Dropping: Demand is cooling, bringing cheaper cash fares and improved award availability.
  • Alaska Airlines Loophole: The Amex → Hawaiian → Alaska transfer hack may end soon—act fast.
  • Gondola Tool: A new site showing cash vs. points hotel prices, elite benefits, and price tracking, though it requires email read access.
  • Emirates Transfers Paused: Chase (May 28–June 30) and Amex (starting May 29) are temporarily pausing point transfers to Emirates, hinting at a likely devaluation.
  • Virgin Atlantic Transfer Bonus: 30% bonus on Citi ThankYou Rewards transfers to Virgin Atlantic Flying Club through May 17.
  • Thrifty Traveler & Daily Drop: Helpful tools for spotting mistake fares and daily point deals.
  • Cash vs Points Strategy: When flight prices drop, cash may offer better value than points.

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: 

 

 

Podcast: Play in new window | Download | Embed

Subscribe: Youtube Music | RSS | More

FEATURE IMAGE
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)

By |

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:

 

 

Podcast: Play in new window | Download | Embed

Subscribe: Youtube Music | RSS | More
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!

By |

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: 

 

 

Podcast: Play in new window | Download | Embed

Subscribe: Youtube Music | RSS | More