What do I do and why do you need me
Quite simply put, I pick out your next credit card
Not all credit cards are created equal. The big banks want 1 thing...your money! They don't care how they get it or what it does to your personal finances. They want you to forget about the *perks* and hope you under utilize the travel reward points.
That's where I step in
After you answer some questions about your spending habits, your travel plans, and after you let me know what's important to you when traveling, I will work to find you the perfect card that fits your travel style, and more importantly, fits your budget.
I know I know... You already have a credit card that earns points.
I promise you, the points you earn every month from things you charge are a fraction of what you would get if you opened a new credit card. Sign Up Bonuses are where the average everyday Joe can really earn those free flights and free hotel rooms. Worried about your credit?
Me too. No, seriously I won't recommend a card that I don't think you'll get approved for. Heck, I may not recommend a card at all after you fill out my questionnaire. Remember, you have to be a responsible spender for this to work. If your credit score is too low, no problem, we wait. I'm not going anywhere.
From Debt to First Class: Why I Started Grab Those Points
Several years ago, I fell for the "shiny object" syndrome. I saw an ad for a premium credit card promising the world: luxury lounge access, effortless upgrades, and "free" travel. Without doing my research, I hit apply.
The reality check hit hard. Once those bonus points landed, I realized the airline barely flew out of my home airport. Worse, I found myself overspending just to chase a signup bonus I didn't understand. Before I knew it, I was staring at a hard inquiry on my credit report and a balance I didn't want—all for points I couldn't even use. I felt trapped in the exact system the banks designed.
The Turning Point: Doing the Math
Over last seven years, that frustration turned into a mission. I realized credit card companies make billions off consumers by dangling "1% cash back" rewards.
I found the "glitch" in their system: The Math of the Signup Bonus.
If I spent $3,000 on my old card, I earned 3,000 points (worth $30). But if I put that same $3,000 of "natural spending" toward the right bonus, I could earn 60,000 to 100,000 points. That was the "aha!" moment. That same budget could either sit earning nothing or be turned into a $12,000 First Class suite to Dubai. I chose the suite.
Seeing the World on Their Dime
Today, I’ve traveled the globe because I learned how to use points. I’ve gone from rookie mistakes to booking stays and flights that would normally cost a fortune:
• The Maldives: Waking up in an overwater villa for $0.
• Dubai: Exploring the city of gold and enjoying First Class cabins.
• Ireland: Immersing myself in landscapes without touching my savings.
• 5-Star Getaways: Weekend escapes that were once "out of my league."
My Mission
I started Grab Those Points to help you avoid the pitfalls. You shouldn’t have to go into debt to see the world, and you shouldn't need a PhD to understand points.
Let’s stop settling for 1% "crumbs" and start grabbing the massive points you deserve.
