What Credit Cards Does The Points Guy Have?

What Credit Cards Does The Points Guy Have?

In the US with a competitive credit card industry that offers lucrative sign-up bonuses, rich category spending bonuses & great perks that are worth more than the annual fees.

It can be dizzying to put together a credit card strategy that serves your needs and rewards you the most for your spend, but What Credit Cards Does The Points Guy Have?

People always ask me how many points I have and the answer is always “so many I honestly don’t know.”

But today, I’m giving insight into my points and how I earn them. FYI just checked & currently have:

  1. 22,000 Citi ThankYou Points
  2. 1.6 million Chase Ultimate Rewards
  3. 472,000 Amex Membership Rewards (with 400,000 pending)
  4. 749,000 SPG Starpoints

How do I have so many points?

Simply put, business spend.

TPG has almost 25 full-time employees,over 20 frequent contributors & consultants, we spend millions a year on online advertising – I’m earning 3x points on those Facebook and Instagram ads you see. And we travel a TON. All of the company’s spend gets put on my arsenal of cards and we then we use points to pay for employee travel. As you know we pay for all travel ourselves (with the exception of special airline delivery flights or charity trips with an airline sponsor).

I am aware that the average reader does not have this level of spend and my point is to not brag, but to educate and be honest with you all about how we get our points.

Some people think the credit card companies and airlines give us free points and miles, but that isn’t true. We get paid a commission when you all get approved for a credit card using one of our links. We thank you for supporting TPG and that support has allowed us to expand and add new voices to the team

And also donate a lot to charity, we gave more than $500,000 last year to a variety of causes.

The point of this post is to also show that I still practice what I preach, albeit at a higher level than when I first started.

Even though I make a very good living & can pay for any flight I want, I still get that same rush when booking an amazing award trip such as the Etihad Apartment, Emirates first class and even the inaugural Delta A350 flight.

To learn about points for my business adds to our bottom line and even though the points game is changing, with airlines increasing amounts needed for most awards, I’ve been able to counteract that with earning more points than ever by maximizing every dollar I spend.

High level — I have 20 credit cards & a 795 FICO score.

I have decided to trim 4 from the pack as I shift my spend away from co-brand cards and focus on the key transferrable points programs, Chase Ultimate Rewards,

Starwood Preferred Guest points, Citi ThankYou Points & American Express Membership Rewards.


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