Maximum Points. Minimum Effort.
Cards & Travel helps individuals maximize credit card rewards through personalized strategy and hands-on consulting. We don't just teach you the game — we help you play it.
Book a Free CallFrom First Call to First Class
Most people know points are valuable. Very few have a system for capturing that value. Here's how we build yours.
Book a Free Call
Schedule a no-pressure 20-minute intro call. You'll leave with at least one actionable idea — whether we end up working together or not.
We Assess Your Position
We look at your current cards, spending patterns, travel goals, and upcoming sign-up bonus opportunities. No two clients are the same.
You Get a Plan
A personalized roadmap — which cards to open, when to open them, how to hit spend requirements efficiently, and how to redeem for maximum value.
We Execute Together
Ongoing support as you work the plan. When a new opportunity appears or a program devalues, you hear from us first.
What Are Your Points Actually Worth?
Enter your current balances below. We use conservative real-world redemption values — not the inflated numbers the programs advertise.
Values based on industry cpp estimates. Actual redemption value varies by program and transfer partner.
Choose Your Level of Engagement.
Start where you are. Scale as you grow. Every tier builds toward the one above it.
The Origin Story
I got my first points card in 2002 — a Bank of America US Airways card, picked because I loved flying the A330 back and forth from Europe while stationed in Germany with the Air Force. That was the start.
A decade later I stumbled onto a quieter trick — buying money orders with a SunTrust Delta debit card — and realized points weren't just a perk. They were a system. A system I could work.
That realization turned into an obsession, and the obsession turned into two decades of execution. Manufactured spend, signup bonuses, transfer partners, sweet spots, devaluation timing. I've seen every cycle. I've cashed in on just about every corner of it.
Want to fly to Japan next week? I can do that. That's what this is about.
"You bring the destination.
I'll build the plan to get you there."
What I Actually Believe
Points are not cash.
They're a tool — one that rewards flexibility and punishes rigidity. The people who win in this game are the ones who can say 'I want to go somewhere' and let the opportunity find them.
Points are depreciating assets.
They are not a savings account. Every program will devalue your balance on their schedule, not yours. Strike — use them, move them, redeem them — before someone else decides they're worth less.
The opportunity is real, but it requires you to seize it.
This space rewards people who actually execute. Most people know the concepts. Very few do the work. That gap is where we operate.
Why not just watch YouTube?
YouTube is free. Blogs are free. DoctorOfCredit is free. None of it is talking to you. When we work together, I answer your specific questions about your specific cards, your specific goals, your specific next trip. That's the difference.
Straight Answers.
The questions serious prospects ask before booking. If yours isn't here, the free intro call is the right next step.
Have a different question?Book the free intro call — or watch this space. An AI assistant that can answer any points strategy question is coming soon.
I help people capture the maximum value from credit card rewards programs. That means strategy (which cards, when to open them, how to sequence spend) and execution (helping you actually hit signup bonuses efficiently). Think of it as having a points expert on call who knows your specific situation — not a blogger writing for a generic audience.
Ready to Get Started?
Book a complimentary 20-minute call. We'll map out your spending, identify the highest-value cards for your situation, and outline exactly what's possible.
All consultations are confidential. No spam. Unsubscribe anytime.