Applying for credit cards can have a small and temporary impact on your credit score, typically lowering it by 2–5 points depending on your credit history. However, when managed responsibly, the long-term benefits often outweigh this minor dip. Opening new cards can improve your credit score by increasing your total available credit compared to your credit utilization and by building a robust credit history. Between my wife and me, we’ve been approved for over 60 credit cards in the past five years, and we both maintain credit scores above 800.
Absolutely not! Some credit cards have no annual fees and still earn points. However, I always advise not to shy away from cards with annual fees. Many of these cards more than pay for themselves through perks like annual free nights, elite status, or other valuable benefits. My goal is to help you maximize the potential of every card and recommend options that align with your unique goals and lifestyle.
A high income isn’t necessary. The beauty of joining The Points Concierge is you get a personalized plan tailored to your unique lifestyle. What truly matters is having a solid strategy and understanding how points work—and that’s where I come in.
You won’t pay any interest if you pay off your balance in full every month. Personally, I never pay interest on my credit cards because I always pay them off monthly. Aside from annual fees, they don’t cost me anything.
Not at all! That’s why I create a personalized plan tailored to your situation. By simply shifting your everyday spending to the new cards, you can often meet the required amounts. I’m always here to answer questions along the way or adjust your plan if your circumstances change. Personally, I time spending requirements around periods when I anticipate larger purchases, making it even easier to meet the goals.
Yes, we offer a specialized program for small business owners. As a business owner, you have the opportunity to earn significant points from expenses like purchasing supplies, advertising, and other business-related costs. If you own a business, we can create tremendous value not only for your business operations but also for your personal travel goals.
There are apps available to help you track all your cards and points, and I can recommend a few (though most come with a cost). Additionally, I’ll provide you with a Google Sheet to help you stay organized and manage everything effectively.
I simplify the complex world of points, ensuring you maximize both earning and redeeming opportunities. With countless hours spent researching and mastering every aspect of the points system, I’ve done the hard work so you don’t have to. Your investment with us provides access to years of expertise and, most importantly, jump-starts your journey toward making those once-unattainable dream vacations a reality.
This is a tricky question to answer since the value of individual programs varies widely. Generally, the most valuable points are Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Points, Bilt Rewards, and Capital One points because they can be transferred to numerous partners for enhanced value. However, hotel and airline points can also offer significant value when used strategically. The best part of working with us is that we handle all the complexities for you, crafting a personalized plan tailored to your situation and travel goals, making the process simple and stress-free.
Absolutely not. Debt is created by bad spending habits and living beyond your means, not by credit cards themselves. While credit cards are often associated with debt, they are simply a tool—it all depends on how you use them. When managed responsibly, credit cards can simplify your life, offering far greater security and protection than debit cards while also allowing you to earn valuable rewards.
If you already have points, we can start planning your perfect trip right away! If your goal is an epic dream trip, we may need to earn additional points before booking. The great news is that within a few weeks or months, we could have your bucket-list adventure locked in and ready to go.
By following the plan, choosing the right cards, and maximizing my recommended programs and strategies, you can easily accumulate one million points within 12–18 months—or even sooner! Most importantly, I’ve often helped clients book incredible dream trips within just a few months of starting, even when they initially had no points.