Credit Card BS Podcast

Hyatt has just announced their 2024 category changes and it isn't great. This is the third year in a row of devaluations. However, this deval isn't nearly as bad as it could have been and there is a silver lining.  📱Free Award Travel Discord Group: https://discord.gg/the-travel-lane-932731929030197249 💳Our Favorite Credit Cards: https://beacons.ai/creditcardbs (Referral Links) (Using o...

"You should never expect a room upgrade and just book the room you want". We are sick and tired of hearing this line over and over again when discussing the issues with the various hotel loyalty programs. So many people think it is entitled to expect/ask for a hotel room upgrade due to elite status. We think this is a BS claim. Today we will explain our reasoning to why it is NOT entitle...

What if the bank would pay you just to keep your credit card open? This is often a reality on many premium credit cards with annual fees. If you play your cards right, you can find yourself with some bonus points or a statement credit just for keeping your credit card open for another year. 📱Free Award Travel Discord Group: https://discord.gg/the-travel-lane-932731929030197249 💳Our Favorite Cred...

For better or worse, Marriott Bonvoy is without question the largest hotel loyalty program in the world. While controversial, there can be very interesting value that can be unlocked by playing the Marriott game right. 📱Free Award Travel Discord Group: https://discord.gg/the-travel-lane-932731929030197249 💳Our Favorite Credit Cards: https://beacons.ai/creditcardbs (Referral Links) (Using our lin...

Military members have access to one of the most powerful credit card perks in the world, waived annual fees on personal cards from most major banks. This means active duty military in the United States can get amazing credit card perks without paying a penny in annual fees. Today we will discuss everything you need to know about these perks with a cadet of the United States Airforce Academy.  📱Fr...

While we all love to share the best travel deals we come across, sometimes it can actually be harmful to share with too many people. If too many people share an insane deal, it can cause the deal to fail and ruin it for everyone. Today we talk about what can happen if everyone shares a deal too widely and why people get upset when exclusive deals are shared. 📱Free Award Travel Discord Group: http...

It has been far too long since Hyatt has made updates to their credit card. Recently they sent out a survey indicating that there would be a new premium World of Hyatt credit card released and we were given some hints on the possible benefits. Today, we will discuss what we hope to see from this new card and what we predict will happen. 📱Free Award Travel Discord Group: https://discord.gg/the-tra...

While the big chains of Hilton, Hyatt, Marriott, and IHG are known by all, some unknown smaller partnerships and brands can provide great value for your points.  📱Free Award Travel Discord Group: https://discord.gg/the-travel-lane-932731929030197249 💳Our Favorite Credit Cards: https://beacons.ai/creditcardbs (Referral Links) (Using our links greatly helps support the podcast!) 📰Join the Travel...

When it comes to credit cards and award travel. There are countless different types of mindsets people take on. From those who think Credit Cards are bad, to cash-back lovers, to luxury travelers, there is no shortage of different styles. In today's episode, we talk with Credit Card content creator Kevin Rodriguez. Kevin has amassed over 100K followers on Instagram and focuses on Spanish lang...

The Maldives is the destination of fantasy. It is the closest thing to a true paradise that exists. The sad reality is that a trip here can cost over $10,000 even on the low end. In today's episode, we share everything we know about the award travel and credit card space that you can use to travel in luxury to the Maldives at a small fraction of the retail price. 📱Free Award Travel Discord G...

We have seen countless Youtubers make videos about the so-called "Credit Card Ladder" or "Credit Card tier list".  We are here to tell you the credit card ladder is a myth, you can get any credit card you want without needing to follow some predefined ranking. As long as you are within the application rules for a specific issuer, you can and should focus on getting the best car...

The Amex Platinum is often made fun of as being a 'coupon book' of useless credits that you have to force yourself to use. While the card has become more of a coupon book in recent years, there are still some very useful credits. In today's episode, we give our own personal ranking of each and every credit of the American Express Platinum card. 📱Free Award Travel Discord Group: htt...

Today we have a very special guest, Sam (AKA 'DuckyTheGamer'). Sam is a full-time content creator and he has amassed nearly 1 million YouTube scribers. In our conversation with Sam, we will learn about how he manages his business credit cards, his favorite redemptions, and how he got into the credit card rewards space. Sam's YouTube Channel: https://www.youtube.com/@duckythegamer 📱...

Today, Shaun and Sherwin battle it out in the credit card arena. Each will showcase their entire setup of credit cards and you get to vote who's setup is superior. This episode will give you insight into what makes a good longterm credit card keeper setup. 📱Free Award Travel Discord Group: https://discord.gg/the-travel-lane-932731929030197249 💳Our Favorite Credit Cards: https://beacons.ai/c...

Hyatt just announced their program changes for 2024 and they are truly game-changing. After 2 years of constant hotel loyalty program devaluations, it is amazing to see Hyatt introduce changes that are actually beneficial to guests. In today's episode, we cover everything you need to know about Hyatt's changes. 📱Free Award Travel Discord Group: https://discord.gg/the-travel-lane-9327319...

The Bilt credit card is one of the most hyped-up credit cards of the last few years. With no annual fee and the ability to earn points paying your rent, there is a lot to love. However, the card is not perfect, and far too many people get stuck in the "I want to earn points on rent so I must get the Bilt card" mindset trap.  📱Free Award Travel Discord Group: https://discord.gg/the-trave...

Everyone always says "You should never buy airline/hotel points" but fail to realize that almost everyone is already buying these points. Anytime you choose to redeem your points for travel instead of cashback, you are effectively still buying these points, just at a different price. So the question is not, "Should you buy points?", but rather "When should you buy points?&...

If you had to assemble a team of the best credit cards possible, what cards would you pick? Today, we are answering that question by playing a round of a credit card fantasy draft. Our goal is to form the best possible roster of keeper credit cards we can. 📱Free Award Travel Discord Group: https://discord.gg/the-travel-lane-932731929030197249 💳Our Favorite Credit Cards: https://beacons.ai/credit...

American Express has completely changed the benefits of its Hilton Honors credit card lineup and today we will cover all the new changes. Are these cards still worth it or are they now trash? Amex has also implemented new welcome offer restrictions that can make earing a signup bonus on their cards much more difficult. 📱Free Award Travel Discord Group: https://discord.gg/the-travel-lane-932731929...

There is a ton of talk in the travel hacking world of hotels and flights but often rental cars are over looked. While your hotel and flight will be the two most important parts of your trip, a good rental car can make your trip much more enjoyable. Imagine having a tiny sedan versus a large SUV to accommodate your large family. Instead of having to sit for an hour in line, skip the counter and pic...

In today's episode we cover a very interesting developing story. Air Canada is seeking a legal battle against the very popular award search tool, Seats. Aero. Air Canada alleges that Seats. Aero is illegally scraping data from the Air Canada website while Seats. Aero argues that it is acting completely within it's legal bounds. While we are not laywers, we will each give your our take an...

When it comes to the credit card game one of the most powerful and effective strategies is to find a Player 2 (often shortened to P2). Finding a Player 2 has amazing benefits such as reducing your effective hotel cost by 1/2, allowing you to apply for up to twice as many credit cards, and reducing miscellaneous expenses by 1/2 as well. Getting a player 2 can greatly up your game when it comes to t...

We are both sick and tired of people saying things like "Ignore cents per point, just use your points for whatever you want" or "I had to do this trip anyways so I used my points to save me money even if it wasn't the best value". Today we have a very hot take, cents per point matters. Credit Card points are a currency that has value just like how cash is a currency that h...

"We have upgraded you to a suite" is what everyone wants to hear at hotel check-in. Sadly, for most this is just a lofty dream. However, it doesn't have to be. If you utilize the right strategies and elite statuses you can find yourself getting frequent upgrades to amazing hotel rooms and suites for no extra cost. Today we will tell you everything you need to know about hotel upgrad...

In this game, there is a lot of attention on Chase and American Express but often the 2nd tier issuers like Citi and Capital One can be overlooked. Today we give an in-depth breakdown of each of these issuers as well as each of their strengths and weaknesses. You should absolutely not be ignoring either of these banks as they both can have their own superpowers. 📱Free Award Travel Discord Group:...