The Future of the Highest Rewards

You might be wondering what is the best card to use (or get) for different categories of spending. Or you may simply be wondering what card to use for what purchase. If you spend money in any one of these categories then you might consider applying for one of the corresponding cards with that category if you don’t already have it. Often times these cards will come with annual fees but the cash back you receive from using the card will pay for itself and then some. If you are not using a credit card on your purchases you are throwing away free money. We want to help you get money back in your pocket when you have to make any purchase and these cards WILL do just that. In this article I have taken into consideration 3 things in my selections:

  1. Value of return
  2. Value of the current sign up bonus
  3. Long-term value

Your job is to narrow down what category your needs fit into; then, either reach out to us to get a recomendation, or, if you feel confident, select one of the options from this list. Be sure to use our links! Without further ado, here are my recomendations…

General Travel (Flights, Hotels, etc..)

  1. Ink Preferred
  2. Sapphire Reserve
    • A difference of 30,000 points for the sign up bonus


  1. Hilton Aspire
  2. Hyatt
    • Both come with annual free nights but the Aspire comes with $450 worth of annual credits

Airline (CO-BRANDED)

  1. Southwest Business Performance
  2. AAdvantage Aviator Red

Cash Back

  1. Ink Cash ($500)
  2. Chales Swab Platinum ($600) *must have Charles Swab Account
    • Ink Cash has no annual fee

Balance Transfer

  1. Amex EveryDay
  2. Freedom Unlimited
    • get $250 back using this link pasted into “incognito mode”


  1. Amex Gold
  2. Sapphire Reserve


  1. Amex BlueCash Preferred (6x)
  2. Freedom Unlimited (3x)


  1. Citi Premier (3x)
  2. Freedom Unlimited (3x)


  1. American Express Platinum
  2. Freedom Unlimited
    • Platinum Card comes with $200 UBER credit annually


  1. Discover it Cash Back
  2. Amazon

Every Day Purchases

  1. Freedom Unlimited (3x)
  2. Sapphire Preferred (1-2x)

HIGHEST All – Around Value

  1. Sapphire Reserve
  2. Amex Gold

Should I Have A Credit Card Strategy?

Whether you have one credit card or twenty-one (yes that amount is okay) credit cards, I can guarantee you that you are missing out on rewards if you don’t have a Credit Card Strategy. Regardless of whether or not you have FOMO, you should be asking yourself what your immediate AND long-term financial needs are. For example, if you need to pay off some past debt, then you need a card with 0% APR such as the Amex EveryDay Credit Card. However, your goal should not only be to meet your immediate need but also planning ahead for your future needs such as flights or hotel nights or even extra cash. The great advantage of collecting some points or miles before you need them is so that you can use them rather than paying out of pocket with cash. This takes time and preparation and this is what a Credit Card Strategy will help you with. Putting a strategy in place and preparing for the future is all part of being able to Do Good.


Whether you have FOMO (fear of missing out) like me or not…

…YOU NEED A STRATEGY.  It is always wise to have a plan and there is no difference when it comes to applying for credit cards.

If you want to be wise then here are 3 quick steps toward establishing a Credit Card Strategy

Step 1: Ask Yourself 5 Questions

An easy first step to starting your strategy is by answering these 5 simple questions:

1.) What is my immediate need?

2.) What will I need this year?

3.) Do I have a big expense coming up?

4.) Am I eligible for Chase cards now? If not, when?

5.) Is there any reason I shouldn’t get a/another credit card?

Knowing your immediate needs will help you identify your coming needs which will enable you to plan your purchases in order to meet the spend requirement for your next credit card.

Step 2: Create Your Portfolio

What is a credit card portfolio? It is a simple tool to help:

  • Know your credit history
  • Prepare for coming annual fees
  • Maximize referral offers
  • Plan for the future
  • Notice that if you are married or working with your friend, you can both get the same cards not only to pool your points together but also to take advantage of referral bonuses.
  • “Chase 5/24 Eligibility” means that you can only open a chase card if you have opened less than 5 new accounts within the past 24 months (business cards do not count).
  • “AMEX 5P” means that you can only hold 5 opened AMEX personal cards at any given time (5 personal cards and 5 charge cards).
  • The dark blue boxes show the cards you are preparing for

Step 3: Get A Coach

The number one way to reach any goal is to do it WITH someone who will keep you accountable! This is the mission of Points On Purpose – to personally coach you through your unique situation. This is what makes us different. Rather than prescribing general advice across the board to everyone, we want to connect with you personally so we can encourage you, give you tailored information, keep you safe through accountability, and ultimately help you Travel Free!

Now it is up to you to reach out –



Screen Shot 2019-04-30 at 11.11.30 AM.png

The Chase Sapphire Preferred Card is at its highest-ever sign up bonus of 60,000 points. This is not a limited time offer but it might be the best offer out there right now. On top of the $750 towards travel you will receive trip insurance, rental car insurance, purchase protection, and a lot more. If you are able to get this card I would act fast.

Common Credit Card Myths: [Debunked]

#1. FEAR & SHAME (of going into DEBT)

The number one response I hear from people who are skeptical about credit cards is, “They want you to get their card so that you will go into debt and have to pay them interest.” There are two issues to deal with here and they come from fear and shame.

Fear of going into debt is what comes from not stewarding well. There is no reason you should ever have to go into debt with a credit card unnecessarily. We will never advocate for racking up unnecessary expenses on a credit card and if you use your credit card as you would cash or a debit card then you have nothing to fear. I pay my cards off a couple times a month for three reasons: 1.) So that I am aware of what I am spending 2.) It helps to improve your credit score if you keep your balance low even if the payment is not due. 3.) Many people get paid weekly which makes it easier to pay off your card each week rather than a big amount all at once, down the road.

Shame from being in debt is real. Three weeks ago I was coaching a friend with his credit journey and he was telling me about all the improvements he has made since we started working together. Then he said this, “It has been so encouraging for me to have your help with this because it is something many people struggle with, but nobody talks about.” Listen, this is exactly why we use this blog – to connect with you personally and walk alongside you, so that together we can Do Good, Steward Well, & Travel Free! That means free of fear and shame too!

“The good news is that I have been freed from an incredible amount of debt and so can you.”

IF YOU are in one of these two places of fear or shame, please send us a message so we can get in the pit with you!

#2. INTEREST (the reason they want you to apply)

It may help to know that credit card companies don’t make all of their money through the interest you pay when you go into debt. Credit card companies are not trying to deceitfully lure you into a trap of paying them interest, because they make vast amounts of money in ways that don’t even effect you. One of the main ways they make profit is from stores that allow you to pay with a credit card. For example – Kohls pays American Express a portion of their sale every time anyone swipes an American Express credit card. This is why many cards come with a big cash bonus for you if you spend a certain amount within a given period of time. Card companies want you to swipe their card rather than another banks card because they receive a portion of the retailers sale when you do so.


The statement that, “too many credit cards is bad for your credit score” is actually opposite of the truth. The more accounts you have, the better your score is. When you apply for several cards in a short period of time it may lower your score a few points for a short time but your score will increase quickly as you have added more accounts.

– from Credit Karma


  • FALSE. You should never carry a balance if you don’t have to. As long as you are using your cards as normal (for everyday purchases) then there isn’t any reason to leave a balance on your card even if it has 0% APR. 


FALSE. Just because your credit card says you can spend up to $4,000 does not mean you should spend that all at once. In fact, you should never really spend much more than half of your credit limit at a time. This means that if your line of credit is $4,000 then you shouldn’t spend more than $2,000 – $2,500 before you pay off the balance (even if the balance isn’t due until later). Once you pay it off you are free to spend on the card again. If you have a low credit limit and need to spend more on your card, think of applying for another card if it makes sense for you. Or you can call the bank and ask for an increase in your line of credit.


When should I close an account?

It is not always true that you should close a card that you are no longer using but, if you hold a card with an annual fee that you aren’t getting value out of then it could be better to close the card rather than downgrading.

When should I downgrade an account?

If you have a card that you aren’t using, it can help your length of credit history to keep it even if you never use it. Moreover, if you downgrade an account rather than closing it, then there is a possibility that the downgraded card will show up as a new account on your credit profile.

If you’re considering doing one of these two things but don’t know which option is better for your situation, just ask us in the “comments” section or send us an email.


Credit cards can’t hurt you unless you use them incorrectly rather than as tools to help yourself. It is like saying that drinking water will harm you. Water actually helps you unless you drink too much of it.

So jump in! Stay informed! And don’t be afraid to give it a try!

We will be here to help you:

Do Good.

Steward Well.

Travel Free.

Where to Start When Applying for a Credit Card?

Points On Purpose©

          CREDIT CARDS  are the fastest way to get to where you want to go for free. That said, there may be many obstacles that keep you from getting the card you may want or need.

No fear, this is where we can help you!

What are these obstacles that can keep you from getting the card you want?

Here are 4…


The first step to take is to set up a free account with Credit Karma. If you have already done that, you’re one step ahead of the game. This site is a useful tool to help you understand your credit score.

  • If you have Poor Credit Screen Shot 2019-03-02 at 7.30.50 PMhere are a few simple steps to consider:
    1. Read the factors of credit for your understanding and identify where you need to improve.
    2. Dispute any and all collections (click on accounts, scroll down to collections and click the tab)
    3. Wait and plan. Wait to hear back from your disputes.
    4. Reach out to us so we can walk through the process with you.


Screen Shot 2019-03-02 at 8.09.50 PM

Just because you have a good credit score doesn’t mean you will get any card you want. Your credit score consists of roughly these main factors (listed in importance):

  1. payment history – Always pay in full.*
  2. amount of credit used (also called “utilization”)
  3. derogatory marks (collections, etc.)
  4. credit age (keep old credit cards open if they are free, otherwise downgrade to a fee-free version)
  5. total accounts (the more accounts you have the better your score!)
  6. hard inquiries

*The #1 rule of using credit cards to travel for free is Steward Well. Never carry a balance that you will pay interest on or else you are defeating the purpose of maximizing the cards value.

Screen Shot 2019-03-02 at 8.14.14 PMScreen Shot 2019-03-02 at 8.14.05 PM


This is where things get tricky. Each bank has their own set of rules for applying for cards. They are easy to navigate once you understand them but we will discuss this more in the future. Just ask us if you have any questions before applying but you should know that the credit cards you need to be considering first are CHASE cards since they all fall under the 5/24 rule now.

“Chase will not approve applications if the applicant has already opened 5 (or more) credit card accounts in the last 24 months. This includes not only cards you open at Chase, but also cards you open at any bank that are reported to your personal credit report.”


If you aren’t sure where to start, don’t go for the biggest and best. You will need to slowly build up to the heavy weights. The first step you can take to see if you Pre-qualify for any credit card offers is by using the Card Match Tool by


The best cards to start out with are:

Low Credit Score – Discover It Secured CardScreen Shot 2019-03-08 at 3.20.34 PM

  • Depending on your score (and other factors) apply for this card to start stabilizing your credit.
  • This card will help you show banks your ability to use a credit card responsibly.

Good Credit Score – Chase Freedom Unlimited Card

I believe this card is importinat to keep in your wallet, especially if you have one of the Chase Sapphire Cards.

Screen Shot 2019-03-02 at 8.26.56 PMIt gets you $150 after spending $500 in the first 3 months, 1.5% cash back on every purchase, and it is free to keep. Thanks in advance if you use our link to sign up!


Good – Excellent Credit Score – Chase Sapphire Prefferred Card

Screen Shot 2019-03-08 at 3.38.28 PM

This card is a must have for everyone’s wallet. It comes with a weath of benefits including travel insurrance, car rental insurrance, an extra 25% in value when redeeming points for flights and more. You’ll also get 50,000 Ultimate Rewards Points with Chase which are equivalent to $625 in travel and the $95 annual fee is waived the first year.


Even if you get denied there are always opportunities to call the bank and have them reconsider their decision once you explain your situation and desire for the credit card. Reach out to us any time and we will help you get your next card!

Card of the Month:

delta-skymiles The Delta Gold Skymiles Card from American Express is being offered at its highest ever sign-up bonus! The card will give you 60,000 Skymiles which I value at a minimum of $750 (depending on how you redeem your points).

Here is what you get:

  • 60,000 Skymiles after spending $2,000 on purchases in the first 3 months.
  • $50 statement credit after making your first purchase
  • A free checked bag on any and every Delta flight as long as you use your card to pay for any portion of the fare & a free bag for up to 8 traveling companions!
    • That is a value of $30 – $270 depending on your crew, per flight!
  • Waived annual fee for the first year, then $95. This means you can try out the card for free for a year, then decide if it makes sense to keep it around.
  • No foreign transaction fees


Thanks for going with us!

“It is good to have an end to journey toward, but it is the journey that matters in the end.” – Ernest Hemingway
Laguna de Apoyo, Nicaragua

Every one of us either loves to travel or inevitably has to travel. This blog will help you do that for free (or at least nearly free). There is a whole world in the travel industry that revolves around points, primarily through credit card sign up bonuses. The alleged “Points and Miles Game” is what thousands of people take advantage of and is designed as a mutual win for the banks and the consumer. I have ventured into co-writing Points On Purpose with my friend Aaron Jackson to help people like you continue to do good, steward well, and travel free.

Approximately 700,000 points represented

We have been traveling for free by earning points and miles largely through credit card reward points. In the past two years, I have flown to Spain, Nicaragua, Washington, and Indiana, all by using points. Rather than paying $100 for a night at the Days Inn, I have stayed at Kimpton and Hilton hotels in an upgraded suite with a $50 gourmet breakfast – that’s right – for free. I won’t even mention other added card perks like the restaurants and lounges I eat at for free during my flight layovers.

Hilton Hotel. Madrid, Spain. – free upgrade with the Hilton card

There are so many blogs, websites, facebook pages, articles, and opinions out there about this topic already but the reason we are writing this blog is to give you the ability to know the most important details of advice without doing the hours of reading that we do. We pick through loads of information and deliver the most helpful and simple steps to building credit and earning rewards DEBT FREE. What we give you will be what we have learned from the professionals.

We believe we can help you with any step you are on in your journey to build or rebuild your credit. There are so many ways to simply help you make well-informed, strategic decisions to get the most out of your everyday expenses – ALL FOR FREE. Whether you are an International Worker wanting to fly home to see family, or to another country for a conference, or a Sender who wants to visit someone you support, or gift them miles to help them visit home, or just wanting to take advantage of great offers out there, then this blog is for you and you should subscribe!

While Points On Purpose was created with our friends overseas in mind we encourage you to add your friends or family to our list as well. Connect us with anyone who could benefit from this blog! We will send out bi-weekly or tri-weekly posts but we will be available anytime for step by step consulatation as you have need. We look forward to serving you!


#mc_embed_signup{background:#fff; clear:left; font:14px Helvetica,Arial,sans-serif; } /* Add your own Mailchimp form style overrides in your site stylesheet or in this style block. We recommend moving this block and the preceding CSS link to the HEAD of your HTML file. */

Subscribe to our mailing list

* indicates required
Email Address *
First Name
Last Name
/ ( mm / dd )

//$) {window.fnames = new Array(); window.ftypes = new Array();fnames[0]=’EMAIL’;ftypes[0]=’email’;fnames[1]=’FNAME’;ftypes[1]=’text’;fnames[2]=’LNAME’;ftypes[2]=’text’;fnames[3]=’ADDRESS’;ftypes[3]=’address’;fnames[4]=’PHONE’;ftypes[4]=’phone’;fnames[5]=’BIRTHDAY’;ftypes[5]=’birthday’;}(jQuery));var $mcj = jQuery.noConflict(true);