Although we're up to Episode 180 on Patreon feed it's been a while since we've done a No Annual Fee show. We're back today discussing things we're doing as 2022 comes to a close:

1:08 Credit card double and triple dip opportunities

3:30 Wrapping up credit card incidental usage

11:30 Credit card Q4 5x categories

14:10 Credit card milestone bonuses

16:35 Status top-off

19:40 Hotel certificate usage (lots of Hiltons seem to expire)

23:20 Buy miles in programs where yearly caps make sense

25:10 Book Amex Fine Hotels & Resorts for $200 Personal Platinum Credit

We hope this has been a great year for you in points & miles. Happy Holidays!