Travel Party of 5 | Points & Miles for Family Travel

Scared to Pay for a Credit Card? How We're Managing $5,500 (!!) in Annual Fees

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The intimidating numbers associated with credit card annual fees often mask the real value these cards provide through their benefits and credits when used strategically.

• Breaking down how we manage $5,500 in credit card annual fees annually
• Understanding the value proposition: first-year annual fees are always offset by welcome bonuses 
• Using Travel Freely app to track 5/24 status and upcoming annual fees
• Leveraging Card Pointers app to maximize monthly, quarterly, and annual credits
• Amex Business Platinum ($695 x 2) provides approximately $1,750 in usable credits
• Chase Sapphire Reserve ($550) delivers $600 in credits we actually use
• Hilton Aspire ($550) offers $600 in credits plus a valuable free night certificate
• Most hotel-branded cards provide free night certificates worth more than their annual fees
• Total analysis shows we're receiving $5,153 in usable credits against $5,505 in fees
• Not every card provides positive value, and that's okay for strategic purposes

If you're interested in personalized advice about points, miles, and finding the best credit card strategy for your travel goals, I'm now offering one-on-one consultations. Visit the link in the show notes to join the waitlist.


Speaker 1:

If you're scared of annual fees but you really want to get into points and miles, this is the episode for you, because I am breaking down exactly how we are managing $5,500 this year in credit card annual fees. So listen in. Hi, I'm Raya and I'm Dwayne, and we are your hosts of the Travel Party of Five podcast, where we share how we travel as a family of five around the world. We will also share how we use points and miles to travel as affordably as possible and sometimes even completely free. So if you're wanting to travel more with your family but you're not sure how, we'd love for you to listen in. So welcome to our podcast, where we hope you learn a thing or two to get you closer to your next trip. Hey guys, welcome back to Travel Party of Five podcast.

Speaker 1:

My name is Rhea, I am your host and I am solo today. So we are prepping up to leave for our big trip to Yosemite National Park and Lake Tahoe, and so we are recording a few episodes in advance so that we don't miss a week while we're gone, and I am very excited to share with you this topic today. But before we jump in, just as a random side note, I have never been diagnosed with ADHD, but was I underneath my desk five minutes ago with a screwdriver trying to tighten all the screws? Because I sat down to record this? And then I thought why is the desk so wiggly Like? Every time I move, the microphone shakes and before I knew it I'm playing handyman under the desk and I did not fix it. But I don't have any more time to spend on it. So if you can relate, then that's why you're here and hello. So I am going to break down all of the annual fees that we are looking to pay this year or that we will pay this year.

Speaker 1:

And this whole episode started when I sat down and added up all of our annual fees. And the reason I did that is I just got targeted. I talked about this on a previous episode. I just got targeted for my second Amex business platinum card in the mail and I was a little bit surprised, actually, when I was approved, because I didn't think I was going to be, and so that was a little bit unexpected. And the offer isn't great. It's 150,000 points for 20k in spend, which is a ton of spend. I would have much rather had 250. But that's what they targeted me for, and sometimes with Amex you just you get what you get and you don't throw a fit. A lot of times, you know, for those higher offers you might not be able to get approved for that, like you might get a pop up that says you're not eligible for the welcome offer or whatever. So over here we're going to take what we can get.

Speaker 1:

But the fee on the Amex business platinum is really high. It's $695 a year and this is going to be our second one. So that made me think that has a ton of money in annual fees just for those two cards alone, and we have 24 other cards on top of that. And so I sat down and added up all the annual fees and came out to a whopping total of $5,500. That is so much money. And it's not free travel If you're spending money on things you wouldn't normally spend money on right. And so now do I think that we've gotten more than $5,500 worth of travel out of these cards? Yes, 100% I do, but that's still a lot of money to pay that, quite frankly, I don't want to pay.

Speaker 1:

So I immediately sat down to try to figure out what are the credits that I'm using to offset these annual fees and once I factor in all those credits, where am I like? Am I coming out ahead? Am I still behind? If I'm still behind, how much am I behind? That sort of thing. Before we get into all those details and as a side note, I'm not going to list out every single card we have and like how we offset each fee, because that would be very tedious and boring and no one wants that. But I am going to go through probably like four of the big ones and it kind of explain how I'm thinking of the credits and also like realistically, like, okay, let's say, a card offers $1,000 in credits, but am I actually using all of those credits or not? And so I try to be super realistic in what I valued and what we actually use out of the cards, and not like what the card not everything the card offers, if that makes sense.

Speaker 1:

Before we dive into all that like, let's just quickly talk about why we have so many cards. Well, I think we all know the answer, right, the answer is credit card points and miles. Like, of course, that's why we have so many cards. But also, what is my overall strategy for cards that have annual fees, specifically cards that have really high annual fees. So number one and this, this should be your strategy to every single card welcome offer is generally worth whatever the annual fee is. Even if the annual fee is $695, which I think is the highest one we have that's again the Amex business platinum the bonus points that you're going to earn from the welcome offer are going to be worth more than the $695. So even if you don't utilize any credits at all, the first year annual fee is always going to be offset by the signup bonus.

Speaker 1:

Okay, so beyond that. So I guess let me back up. So if you are nervous about opening up a card with an annual fee, first of all, totally get it. I have been there and felt that way as well. Um, even like a $95 annual fee at one point was too much for me. And they do charge this annual fee on your first statement every time, unless for some reason, it's waived for the first year, and it is rarely waived for the first year. I can think of like an American Airlines card that does that, and maybe one other and that's it. So you should always expect to pay the annual fee on your first statement and then from there you're going to want to figure out what other benefits does this card offer me that realistically I can and will use?

Speaker 1:

There's a line here between things you wouldn't normally spend money on and ways that you can fit these credits into things you would already buy, and so I think that's important, because we don't want to buy things we wouldn't normally buy, and I have an example of this coming up that I'll share, right, because then that's not really. It's not really a credit to us. So what we're trying to do is figure out which credits does whatever card offer that I can fit into my existing life and go from there, and I will. I have some specific examples that I'm going to talk about here in a minute. After the first year, you're going to want to evaluate the card and decide if the annual fee is worth keeping open the card for a second year or not. Sometimes it is not open the card for a second year or not. Sometimes it is not and sometimes it is, and only you can decide that, and you just have to sit down and think about it for a little bit. And again we're going to I'm going to start going through a few of our, our higher feed cards and which ones we will likely keep for the next year and which ones we are not going to.

Speaker 1:

Two apps that I use to help me manage all of these annual fees and credits is travel freely. First of all, we've talked about this before. It's a super, super common app and I just love how user friendly it is. This is how I track, like my 524 status and all the cards that I've opened and when my annual fees are due. That's one of the things I love the most is it alerts me like hey, you have an annual fee on XYZ card that's coming up on, let's say, june 17. Okay, so then I know to evaluate that specific card, like okay, this is, let's say, I, I have one that's coming up. It's a chasing business preferred. The chasing business preferred card is a $95 annual fee and I would generally not keep this card open as long as I have a chase Sapphire preferred card or a reserve card, because those are the the Sapphire preferred and reserve and the ink preferred are the three chase cards that allow you to transfer your chase points to travel partners or transfer partners. So I need to make sure that getting rid of that card isn't going to take away my ability to transfer my points and as long as it's not going to do that, I'm going to get rid of the card. The way that I'm going to do that for chase is I'm going to send them a secure message. I'm going to say, hey, I want to close out my card, ending in, you know, whatever the last four digits are, and it'll take a day or two and they'll send me a message back saying that account has been closed.

Speaker 1:

Some potential reasons to keep cards for more than a year would be if you're easily utilizing all of the credits that the card has to offer without kind of, like you know, buying things you wouldn't normally buy, or if, like having the benefits of the card, benefits being either like protect maybe protections that the card offers or a category, like a high category spend for gas or groceries or whatever. Those can also be reasons to keep a card open. For example, the Amex personal gold card. That is a keeper card for us because of the 4x on dining and groceries. Whenever we're not working on a minimum spend, we are using that. We've already earned, I think, an extra 20,000 Amex points just from that 4x category spend in those two categories in the last six months. So those are some examples of either when you might want to keep a card open or close a card, and again, I use the Travel Freely app to notify me when a card is coming up on the one year mark, and I evaluate it on a case by case basis at that time.

Speaker 1:

The other app that I use is called Card Pointers, and this is a there's both a free option and a paid option. As a side note, going back, travel Freely is completely free, and so if you don't already use it, I'll put a link in the show notes so that you can download it. It should be the first thing that you. The first step that you do every time you open a new credit card is you should go into the travel freely app and add it in. Okay, anyways.

Speaker 1:

The second card is card pointers. We've also talked about this on the podcast before. None of this is sponsored. We use the like I pay for the card pointers app, like the premium version, all on my own, and so card pointers is really good for showing you what credits are available to you on each card that you have, and, again, they don't collect any bank data, but you just go in and you put in the cards that you have, very similar to the travel freely app, and then then it tracks for you whether those credits are monthly or quarterly or annually and every time you use it you just kind of slide the little bar to check off that you used it for that month or that quarter or that year. So, for example, the Chase Sapphire Reserve card has a $5 a month door dash like credit and you can use it monthly or I think it stacks for up to three months in a row, so you can get like $15 roughly every three months.

Speaker 1:

Every time I use that credit I just go in, I slide the little bar and then the credit goes away until the next month and then it will tell me like hey, don't forget to use this credit. So I generally take one day a month. I always try to do it at the beginning of the month, but it always ends up happening at the end of the month, where I go through the app and I go through all of my cards and I make sure that I'm utilizing any credit that I possibly can. And that's not all the credits, because sometimes they're just not applicable to me, like I don't need several hundred dollars to Adobe. I just don't. So there are credits that I can and can't use, but using that app really helps me to kind of streamline it and think about it in a tangible, bite sized way. Like, okay, oh, I use my you know, $10, whatever I use this, I use that, I use my $50 airline credit, whatever. So those are the two apps that I would recommend if you're getting into points and miles or if're you've been in points and miles for a while and you're not utilizing credits to offset annual fees.

Speaker 1:

So okay, let's jump into some specifics about the cards that we have and how we are offsetting the annual fees in a well, in what I think is a reasonable manner, in a well, in what I think is a reasonable manner. So the first card I'm going to talk about is the American Express business platinum card, and again we now have two of these, which totals roughly almost $1,400 in annual fees. So I have calculated that, based on the credits that this card offers, we are going to get a little over $1,700 in credits. And again, that's not based on every credit that this card offers, because a lot of them we won't use. So this is just the credits that we will use. So let me break those down. There's an Adobe credit on this card. We will not use that. The clear credit, which is $199. We will use that. Dwayne and I are both we've signed up, but we just have to go to the airport and pay for clear and so we will utilize those. So that's let's call it, $400 in credits for that.

Speaker 1:

This also comes with a global entry credit. I already have global entry and Duane can't get approved, so that's not applicable to us. It also comes with a $50 a quarter Hilton credit. The only way we really would utilize this is to buy Hilton gift cards and the website has been down so I definitely already missed Q1 for that. I've estimated this credit as around $200 value across both cards, so $100 a card. I'm being really cautious because I'm assuming there's going to be some quarters where I'm going to miss buying a gift card or I'm just going to forget or whatever.

Speaker 1:

And then there's also a wireless telephone credit of $10 per month. We have Verizon for our phone service and paying just $10 a month isn't really possible. We have it set up on autopay and there's really no option to easily pay with a credit card, even just to go in and make a payment of $10 seems to cause all kinds of havoc, so we just don't use it and that's that. So again, that's roughly $200 across both cards for Hilton, $400 across both cards for clear. And then I don't think we talked about the Dell credits yet. So through the end of June of 2025, there is a $200 kind of biannual Dell credit that you can get on this card. It's changing starting July one. So I've only calculated $200 per card for this year, so $400 total and we did use that and I'll talk about that here in a second. So adding all of those up, so $400 to Dell, let's also call it $400 to clear, $200 to Hilton. So that is let's see 400, for that's $1,000.

Speaker 1:

And then the my original Amex Platinum had a $250 off airfare when you spend $2,500 or more direct with an airline or in the Amex portal. So I bought our flights to Thailand on that card, so that's another $250. So now we're at $1,250. And then my second Amex Biz Platinum, as part of the signup bonus, had $500 off $2,500 or more of airfare, again booked directly with an airline or through the Amex travel portal, and I just utilized that credit the other day. So 1250 plus 500, that's 1750 in total credits, and I think that's not too shabby for roughly $1,400 in annual fees. So, for this year, for our Amex Biz Platinums for both of them, I feel great that we fully offset the annual fees for that card. Specifically, one of my Amex Biz Platts is coming up for renewal and I probably am going to close that one just so we don't pay a second annual fee on that one. So I am likely going to close one of those just as a heads up, as kind of how I'm thinking through it.

Speaker 1:

Going back really quickly to the Dell credit, though, the way that we utilize this for this half of the year is I bought a Insta 360 Go camera 360 go camera and I wanted I wanted to specifically talk about this because this I feel like this is a gray area. Okay, this is not normally something I would have purchased. It wasn't on my list. Like, we have actually a good amount of camera equipment, we have a drone and we have another Insta 360 camera and a Canon, and so I wasn't planning on buying this. Okay, but I had the credits, and again by credits I mean, basically I have prepaid for a $400 Dell gift card, right, that's kind of how these annual fees work and you can think of them as like prepaying for things. So I used I split payment on the Dell website as a side note also went through the American Airlines shopping portal because we're getting that status right so went through the AA shopping portal and then went to Dell purchase the camera, split the payment into two cards. So I did $200 on one card and 260 or whatever was the balance on the second card, and that way I could utilize both credits at the same time. So out of pocket we paid roughly $60 for this $430 camera Again, not something we would have like purchased anyways, but will we use it and will we get value out of having it?

Speaker 1:

Yes, I'm actually going to try to see if our Yosemite and Lake Tahoe episodes that are going to be coming up in a couple weeks, I'm going to see if I can put some video to our audio for YouTube using that camera. So we're going to play around with it on this upcoming trip. So I am counting that in the value of the money that we're, you know, getting towards the annual fees, because we did buy it and we will use it. So, but again, I do think that's kind of a gray area because not something I would have purchased otherwise, but pretty cool to have. So there's that. Do with that what you will.

Speaker 1:

The second card is. So I'm going to talk about four cards and they're all going to be pretty hefty annual fee cards. The second one is going to be the American Express business gold card. So this has a $375 annual fee. We only have one of these has a $375 annual fee. We only have one of these and the credits on this one are pretty straightforward. So it offers $20 a month at office supply stores and it also offers a Walmart Plus membership, kind of paid monthly. I think the reason it's paid monthly is so that they can kind of inflate the value of the credit because obviously if you pay it annually you are paying a little bit less. But whatever, whatever floats their boat. So that's valued at $155 for Walmart Plus and again $20 a month at office supply stores. So that comes out to $240. So $155 plus $240 equals $395. And again the fee is $375.

Speaker 1:

The way that I utilize the $20 a month at office supply stores is I go to staplescom and I buy a Target gift card. I buy a $20 gift card. It sends it to my email, I add it to my Target app and that triggers the $20 credit and I'm definitely using that money at Target. And then Walmart Plus is something that we paid for before we ever got this card. I do sometimes grocery delivery or whatever, whatever delivery. It's just nice to have the membership so that I don't have to pay a fee for delivery, because a lot of times there are things that we need like right away and I just don't have time to go out and buy them. So again, those two credits alone fully offset that annual fee. And every month I just go into card pointers look at my little list I go buy my gift card and the Walmart Plus is just automatically set to charge that card and so it does the credit on its own every single month. So we're coming out 20 bucks ahead on that card. Again, I feel great about that.

Speaker 1:

The next one is a keeper card for me. I would argue that the Amex Biz Gold is probably also a keeper card because I find it very easy to use those two credits and it more than offsets the annual fee for me. So I guess let me interject here before we go on to the next card. When I think about utilizing the Walmart Plus credit or the $20 a month at Target kind of a thing, I don't think of it as free money, right, it's like I have paid this money, and I think that sometimes people get kind of confused as like free money, right, it's like I have paid this money.

Speaker 1:

And I think that sometimes people get kind of confused thinking about it too. Right, it's like I didn't get a $20 gift card to Target for free, right, like I still paid the money. So it's kind of just like paying Peter to I mean, robbing Peter to pay Paul, is that the phrase? So I'm just kind of I'm not really earning money, although I guess I'm earning $20 on that card, but I'm not losing money, and that's my ultimate goal is I don't want to lose money, right? Or if I am losing it, I want to lose very little. Okay, hopefully that made sense.

Speaker 1:

So the next card is the Chase Sapphire Reserve. This is again a keeper card for me. I find it super easy to utilize the credits without really disrupting my life in any way. It's always things that we would buy normally anyways, maybe just buying it from a different place than I would normally buy it. And so the Chase Sapphire Reserve has a $550 annual fee and part of that is a $300 travel credit that I find incredibly easy to use because it automatically is applied to your statement whenever, anything, whenever you buy anything that codes as travel. So, whether you're paying money at a hotel or airfare or whatever, as long as it codes as travel, that $300 fee will be applied. You do not have to book through any kind of a portal, which is my favorite. You know, kind of on that same note, that Capital One Venture X also has a $300 travel credit, but you have to book through the Capital One portal and I really struggle to use that credit. I still have not utilized it for this year and I only have until, I think, september. So if you also struggle to use that, maybe, first of all, you're not alone, and if you have used it easily, please message me on Instagram and tell me how, because every time I look up like a car rental or something, it's always way more money and anyways, okay, I digress.

Speaker 1:

Chase Sapphire Reserve comes with a $300 travel credit Super easy to use that with as much as we travel. It also comes with $20 a month DoorDash like pickup credits, so it's actually two $10 credits that you get with the reserve card each month, and the way that you utilize these is in the DoorDash app. You have to basically find a place near you where you can pick up, because if you do delivery it totally offsets any like, like any money that they're giving you. So you do pick up. That way you don't have to pay delivery fee or tip or anything, and for us depends on the month. But last month I ordered a bunch of snacks to take to our little staycation. A lot of times I order body armor sports drinks for my kids to take to sports and it's like huge bottles and I can usually get like roughly six bottles with the $20 credit. And again they're really big bottles, like I don't know 32 ounces or so, and so I feel like that's a great use of it. We just pop into a 7-Eleven right near us and we pick them up. It takes literally two seconds and again it's stuff that we would buy anyways. We're just buying it from a different place. So that's $240 a year utilizing that credit, and then again the $300 travel credit, so right away we're at 540. I mean, that's only $10 below the annual fee anyways. But Chase also gives you a $5 a month DoorDash credit, which is different from the two, which is different from the two $20 credits I just mentioned, and you can utilize this one on like delivery and it just kind of takes the sting out of ordering delivery for yourself. I this is something I use every single month because I work from home and some days I have meetings just back to back to back to back to back. There's no time for me to leave the house or do anything, and so I will DoorDash like Chick-fil-A or something quick to eat for lunch, and so this is not me spending on DoorDash Like when I wouldn't. This is something that I do all the time, anyways. So when you add that in, that actually puts us at that's another $60. So that puts us at a full, a flat $600 in credits for that card alone, and so again we're actually benefiting like 50 bucks. So again, that's a keeper card.

Speaker 1:

The last one I want to talk about is the Hilton Aspire card. So I think that you could argue that this card alone, the annual fee, could be covered by the free night certificate that you get from holding it every single year from Hilton. When I do a Google search. A Hilton free night cert is typically valued at around $1,000. I'm going to value it at 500 for my purposes and I'm not going to include it like in my calculations, if that makes sense. So it's, it's a bonus, but I'm not actually going to even count the 500. So the annual fee for the Hilton Amex Aspire card is $550. And again, that includes the annual free night certificate with Hilton. That has currently no cap. So they're very valuable.

Speaker 1:

It also gives you free diamond status. It gives you a $400 resort credit. So, and the way that you can utilize that is $200 in the first half of the year and $200 in the second half. It also gives you a $200 flight credit and again, that's quarterly, so it's it's actually $50 per quarter and then $100 on property credit with a Spire card package. I don't, quite frankly, don't even know what that means and I'm not using it. It also has clear gives you Emerald Club executive status with national and it has cell phone protection if you pay your cell phone with it. So of these credits, the ones that we will use this year specifically is the $400 resort credit. We've actually already used 200 of it and we have another Hilton stay coming up and I will make sure that we utilize the other 200. And then the $200 flight credit. So that alone, right, there is $600, right, it's $400 in resort credits plus $600, or, I'm sorry, plus $200 in flight credits, and so that alone offsets the annual fee, and that that doesn't even factor in the free night certificate. So again, we're coming out slightly ahead on this card.

Speaker 1:

The way that we utilize the flight credits is United Travel Bank. That is how I utilize any flight credit on any credit card. The way that United Travel Bank works is you essentially go into your United account, you find the United Travel Bank and you fund it. And so for this card, the Hilton card, every quarter I fund it with $50 and I pay with my Hilton card. Quarter I fund it with $50. And I pay with my Hilton card and then $50 goes into my United Travel Bank. A few days after the transaction posts on my Amex card. Then they go ahead in and do the $50 credit. So again, it's not like free money to United, but it is like pre paying for United flights. So right now we have a little over $800 in there, I think, and I am either planning to use that for, like a position, a positioning flight in the future or a trip to Yellowstone in the next year or two. So that is how we utilize all of our airline credits on any cards and that hopefully kind of gives you a rough idea of how we are either like offsetting or coming out ahead with annual fees.

Speaker 1:

Now I do want to address that there are cards that we hold that we are not offsetting the annual fees for. So, for example, the Chase United business card, that fee just went up to $150. Based on the list of benefits, like I don't know that we would use any of them. What's another one? The city advantage business card? We actually have three of those right now and they were each a $99 annual fee. We again are likely not utilizing any of the benefits to offset that, like free checked bags or anything. I don't think we've flown on American in the last year where we would utilize that.

Speaker 1:

So there are also cards where we are not coming out ahead and I want to be super transparent about that. And there are cards, like maybe the World of Hyatt business card, where the annual fee is $199. And you do get two $50 credits, one in the first half of the year, one in the second half of the year at any Hyatt. So that means when I put a Hyatt charge on my business card they credit me 50 bucks, so it's $199. I'm getting $100 worth of credits. So I'm coming out technically $99 in the hole. But that card is instrumental in earning globalist status for me and so without that card it would be much harder to have the globalist status and I value the globalist status at a lot more than $99. So again, you have to look at your specific situation and evaluate what's what makes sense for you. So I'm going to tell you the rough total of annual fees we're paying versus credits. I think we're redeeming here in just a minute.

Speaker 1:

But I did make a few assumptions and I wanted to cover those quickly. So again, I did not include the Hilton free night certificates in my estimated value for the Aspire card. I do have a couple of hotel branded cards. So for the World of Hyatt personal card, the annual fee on that is $95. And the you get a annual category one through four free night certificate with every calendar year. So I have estimated that to be around $200. I am counting that $200 in my estimate that I'll go over here in a minute.

Speaker 1:

Same thing with the IHG one rewards premier card. That card has a $99 annual fee and again, I've estimated that the annual free night certificate that you get with that is worth around $200. So I have calculated the two you know, that dollar value into my credit, and I think it's worth noting that we are actually going to utilize the IHG free night this weekend and the rate, the cash rate for the hotel room that we are staying in, is $290. So 200 is a very low estimate, but I like to just err on the side of being a little bit lower versus inflating it. And then the other assumption that I made is for the Capital One Venture X. That obviously comes with a $300 travel credit and even though I haven't utilized it yet, I plan to and I'm going to try to. So I have counted that credit plus you get 10,000 points for holding the card annually and I value that at $100. So again, being a little bit cautious, but better that than to over inflate. And so I am valuing the Capital One Venture X at $400. So those are kind of the assumptions that I made.

Speaker 1:

And so here's the totals. So we will spend $5,505 in annual fees this year and again, that's assuming we don't open any new cards, which we will, but we're just working with what we have for now. So $5,505 in annual fees and we will redeem credits worth $5,153. So that's a delta of roughly $350. In the negative Again, remember I didn't count either of my Hilton free night certificates and we have two. So I actually feel really good about that. I feel great actually about paying $350 total in annual fees, like when you look at it on a kind of a net net view.

Speaker 1:

So I am curious to know what you pay in annual fees and if you are offsetting them the way that we are or kind of how you're justifying it. And I'm also curious if you've been scared of annual fees, if this episode has changed your mind at all. So come find me on Instagram and let me know. We are at travel party of five. I am. I answer every message that I get, so would love if you would come over and say hello, hope that this episode was helpful. If you feel like I missed anything or have any kind of feedback, again, instagram is the best way to find us. And if you have ever gotten any value out of this podcast, please, please, please leave a rating or review, wherever you listen. We appreciate you so much. Oh, and one more thing. One more thing Sorry, hold that thought Don't. Don't click next If you are newer to points and miles and you are just wanting kind of some consultation advice like what should, what cards should I get in?

Speaker 1:

Or or if you have points and you're like I just don't know how to utilize these points and I want to go to London or I want to go to Hawaii or I want to go to wherever, and you don't have the time to dive deep into all the Reddit threads and Facebook groups. I am opening up consultations, paid consultations with me, where you get a full hour with me. You'll fill out like a form beforehand that tells me kind of what points you currently have, where you want to go, when you want to go, and I will give you, I will literally walk you through exactly how I would think about it. I'll give like. We'll record the session so you can have it later and take notes. I'll give you kind of a follow up plan after the fact of like.

Speaker 1:

This is if I were you, this is how I would get to London or wherever it is you want to go. You let me know. So there is a waitlist for that right now and that should. The waitlist should end in the next few weeks and then you can actually sign up if you're interested. So if that is something that is interesting to you and you're newer and you just don't have the time or want to take the time to spend to figure all of this out, I will put the link to that in the show notes as well, and I would love to chat with you further. Okay, that is it for now. See you on the next episode and hope you have a great day. Bye.