#245: Ever wonder what points are really worth? I'll break down the different types of points, how to calculate their value, and the biggest mistakes people make along the way. You’ll also learn when cash back might be the smarter choice and my personal card strategy for maximizing credit card rewards.

Link to Full Show Notes: https://chrishutchins.com/what-are-your-points-worth

Partner Deals

Gelt: ⁠Skip the waitlist on personalized tax guidance to maximize your wealth

Fabric: ⁠Affordable term life insurance for you and your family

MasterClass: ⁠Learn from the world's best with 15% off

Bilt Rewards: Earn the most valuable points when you pay rent

DeleteMe: ⁠20% off removing your personal info from the web

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Credit Cards

Expert Points Valuations

Award Search Tools

Award Ticket Change and Cancellation Fees

ATH Podcast

Full Show Notes

(00:00) Introduction

(00:50) Why We’re in the Golden Age of Points and Miles

(04:06) The Different Types of Points

(06:04) Unlocking Value With Transfer Bonuses

(07:58) Fake Points and What to Avoid

(08:34) Why Knowing the Value of Points Matters

(10:12) Comparing Points vs. Cash Back

(13:26) Quick Episode Overview

(14:38) Calculating the Floor Value of Points

(16:47) Expert Points Valuation

(19:26) Tools and Data for Valuing Points

(21:55) Booking Domestic vs. International vs. Business Class Flights

(24:27) Flight and Hotel Redemption Takeaways

(29:33) Leveraging Gondola to Book Hotels

(32:24) How to Get More Value From Hotel Points

(34:17) Why Hotel Points Still Hold Value

(35:12) Minimums, Maximums, and Ranges

(36:20) How to Calculate Your Personal Value

(41:18) Chris’ Rule of Thumb for Booking Award Flights

(44:06) Key Caveat of Award Redemptions

(46:20) Value of Earning Points vs. Cash Back

(49:40) When Should You Buy Hotel and Airline Points?

(52:46) The Bottom Line on Buying Points

(53:31) How to Value Transferable Points

(55:17) The Psychology Behind Buying Points

(56:34) Leveraging Chris’ Card Optimizer Tool

(58:54) Earning Points Across Other Major Categories

(01:01:45) Cash Back Cards That Earn More Than 2%

(01:05:56) Recap: Point Purchases on Cards

(01:07:31) Recap: What Your Points Are Worth

(01:08:51) Making the Case for Earning Points Everywhere

Connect with Chris

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Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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#244: I'll explain how I saved over $10k on luxury hotels in Costa Rica and Carmel Valley using points, free nights, and elite perks. I’ll walk you through every step, from how to book with points, when to buy them on sale, how to stack hotel credits, which hotel programs give you upgrades and free breakfast, and more!

Link to Full Show Notes: https://chrishutchins.com/maximize-savings-costa-rica-carmel-valley

Partner Deals

Daffy: Free $25 to give to the charity of your choice

NetSuite: Free KPI checklist to upgrade your business performance

Vuori: 20% off the most comfortable performance apparel I've ever worn

Thrive Market: 30% off your first order of organic groceries + a free $60 gift

LMNT: Free sample pack of my favorite electrolyte drink mix

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Credit Cards

Blog Posts

Award Search Tools

Costa Rica

Carmel Valley Ranch: Little Ranchers | River Ranch

Alila Ventana Big Sur Hotel

Buy World Of Hyatt Points For 20% Off

Elemental Movie

ATH Podcast

Full Show Notes

(00:00) Introduction

(00:47) How Chris Got Six Free Hilton Night Certificates

(01:53) How Hilton Free Night Certificates Work

(02:59) Earning Free Nights with Hilton Credit Cards

(04:13) Planning the Trip to Costa Rica

(06:23) Buying Hilton Points (and the Caveats)

(09:40) Ways to Earn Hilton Status

(13:48) Stacking Amex and Hilton Credits

(16:14) Booking Flights with Points & Leveraging Alerts

(19:35) Renting Cars in Costa Rica

(20:55) The Flight Experience

(22:16) Adobe Car Rental Review

(23:03) Waldorf Astoria Costa Rica Overview

(25:20) How We Handled an Issue at the Hotel

(30:09) Resort Layout, Pools & Amenities

(33:16) Our Sensoria Rainforest Excursion

(35:46) Diamante Eco Adventure Park & Zip Lining

(37:06) The Dining, Drinks & Staff Experience

(40:33) Sharing Feedback & Tipping the Hotel Staff

(41:59) Overall Costa Rica Takeaways & Total Costs

(45:33) How to Maximize Travel Perks without Points

(48:50) Booking Carmel Valley Ranch with Hyatt Points

(51:29) Hyatt Globalist Perks & Guest of Honor Certificates

(54:08) Hyatt Brand Explorer Program

(54:37) The Experience at Carmel Valley Ranch

(58:21) Off-Property Activities & Local Recommendations

(01:00:06) Trip Recap & Key Takeaways

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#243: Discover smarter strategies to grow your wealth and create financial flexibility. We dive into when it makes sense to invest beyond retirement accounts, how to access savings early through Roth conversions and 72(t) distributions, ways to reduce taxes with HSAs, tax-advantaged accounts, and charity, and so much more.

Michael Kitces is the Head of Planning Strategy at Focus Partners Wealth, co-founder of XYPN and publisher of a continuing education blog for financial planners, Nerd’s Eye View.

Link to Full Show Notes: https://chrishutchins.com/smarter-savings-retirement-michael-kitces

Partner Deals

Mercury: Help your business grow with simplified finances

Oceans: Best proactive global talent to level up your work and life

OpenPhone: 20% off the first 6 months of your own business phone system

DeleteMe: 20% off removing your personal info from the web

Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Michael Kitces: Website | Focus Partners Wealth | XYPN

Blog Posts

72t Distribution Calculator

ATH Podcast

Full Show Notes

(00:00) Introduction

(00:53) Should You Max Out Your Retirement Accounts?

(05:08) Investing in Your Career as a High-Return Strategy

(09:55) Saving in a Taxable Account vs. Retirement Account

(13:40) Tax Advantages of a Retirement Account vs. Brokerage Account

(16:19) How to Think About Emergency Savings

(18:06) Choosing the Best Retirement Accounts

(24:21) Reimbursing Medical Expenses via HSA

(27:02) Evaluating the Core Retirement Accounts

(29:19) Nuances of the Backdoor Roth IRA

(30:53) Traditional vs. Roth IRA

(32:12) Why the Majority Shouldn’t Worry About Tax Brackets

(36:58) Roth Conversions in Low-Income Years (Sabbaticals)

(39:52) Consolidating and Managing Old 401(k)s

(42:05) Can You Access Retirement Funds via Roth Conversions?

(42:44) Why Michael Doesn’t Practice Roth Conversions Before Retirement

(45:36) The Rules for 72(t) Distributions

(48:35) Tackling the Account Sequencing Problem

(52:16) Leveraging Charity for Tax Deductions

(53:58) What Happens When You Leave Money to Your Kids

(1:00:43) Where to Find Michael, His Work and Services

Connect with Chris

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Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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#242: Chris dives into the Capital One credit card lineup, breaking down earning structures for miles and cash back, exciting benefits, and redemption strategies. He also covers the best 2-card combo, transfer partners, important application rules, and more.

Link to Full Show Notes: https://chrishutchins.com/capital-one-credit-cards-miles-guide

Partner Deals

Superhuman: Free month of the fastest and best email with code ALLTHEHACKS

Bilt Rewards: Earn the most valuable points when you pay rent

Trust & Will: Get 20% off personalized, legally binding estate plans

LMNT: Free sample pack of my favorite electrolyte drink mix

Vuori: 20% off the most comfortable performance apparel I've ever worn

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Chris' Best Cards Page

Capital One Cards Tier List

Iceland Trip

Venture Cards

Spark Miles Cards

Capital One Savor Cash Rewards Credit Card

Quicksilver Cards

Spark Cash Cards

Platinum Mastercard® from Capital One

Co-Branded Cards

Capital One Resources

Blog Posts

ATH Podcast

Full Show Notes

(00:00) Introduction

(01:17) Quick Episode Overview

(03:43) Capital One Venture Card

(05:30) The VentureOne Card

(06:46) Venture One Card for Good Credit

(07:33) Capital One Venture X Rewards

(08:17) Using the Capital One Travel Portal

(12:27) Venture X Card Benefits

(13:50) Capital One's Lounge Network & Access

(18:44) The Venture X Business Card

(24:06) Spark Miles Cards

(26:29) Difference in Earning Miles vs. Cash Back Cards

(27:13) Savor Rewards Card

(32:15) Quicksilver Cards

(33:57) The Spark Cash Cards

(39:27) The No Reward Platinum Mastercard

(40:11) The Four Co-Branded Williams Sonoma Cards

(44:04) Capital One Perks: Virtual Card Numbers, Free Coffee & More

(48:02) Online & Card-Linked Offers

(52:11) Capital One Dining

(52:42) Best Redemptions for Capital One Miles

(54:08) Hotel & Airline Transfer Partners

(57:49) Moving Capital One Miles

(58:43) Important Rules to Keep in Mind

(1:01:01) Quick Summary

(1:03:10) The Best Two Capital One Card Combo

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#241: We cover new credit cards, increased welcome bonuses, and major changes to existing cards and their benefits. Plus, learn how to rack up thousands of points through airline and hotel challenges and giveaways.

Link to Full Show Notes: https://chrishutchins.com/new-cards-increased-offers-points-challenges

Partner Deals

Copilot Money: Free 2 months access to my favorite personal finance app with code HACKS2

DeleteMe: 20% off removing your personal info from the web

Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth

Fabric: Affordable term life insurance for you and your family

MasterClass: Learn from the world's best with 15% off

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Credit Cards

"Weird Al" Yankovic

Rakuten: Free $30 here

Airline & Hotel Challenges

ATH Podcast

Full Show Notes

(00:00) Introduction

(00:51) Citi Strata Elite Card Perks & Earnings

(05:24) 100K Welcome Offer

(12:00) U.S. Bank Card Changes

(17:05) Southwest Card Refresh

(18:44) How to Earn a Southwest Companion Pass

(21:27) Increased Bonuses on Marriott Bonvoy Cards

(22:50) Elevated Amex Welcome Offers

(25:13) Bilt Card & Benefits

(29:43) Mesa Homeowners Card for Mortgage Payments

(33:07) The Nibbles Card for Pets

(34:56) The New Rakuten Card

(37:31) Gemini Credit Card

(41:38) The Coinbase One Card

(46:28) Etihad & Turkish Airlines Points Challenge

(48:50) Latest JetBlue Challenges

(56:15) Choice Hotel 1M Sweepstake

(57:07) Upcoming Changes to the Podcast

(57:58) Chris’ Birthday Request

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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#240: Transferring points is one of the best ways to maximize your points, so today we share the top airline and hotel transfer partners. We also cover strategies to get the most out of your points, including how to leverage transfer bonuses, identify sweet spots, avoid common mistakes, and more.

Greg Davis-Kean is the founder of Frequent Miler, a blog dedicated to helping people maximize their travel rewards and loyalty programs, mostly without flying. He is also the host of the Frequent Miler on the Air podcast.

Link to Full Show Notes: https://chrishutchins.com/top-transfer-partners-greg-frequent-miler

Partner Deals

Thrive Market: 30% off your first order of organic groceries + a free $60 gift

Vuori: 20% off the most comfortable performance apparel I've ever worn

LMNT: ⁠Free sample pack of my favorite electrolyte drink mix

NetSuite: Free KPI checklist to upgrade your business performance

OpenPhone: 20% off the first 6 months of your own business phone system

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Greg Davis-Kean: Frequent Miler | Newsletter | Podcast

Frequent Miler Resources

Flight Award Search Tools

ATH Podcast

Full Show Notes

(00:00) Introduction

(01:00) Outsized Value from Transferring Points

(02:27) Quick Episode Overview

(08:21) Why Emirates First Class Is a Coveted Experience

(15:22) Air Canada's Aeroplan Program

(19:06) Maximizing Transfer Bonuses

(20:32) Getting Value from the Virgin Atlantic Flying Club

(26:44) Sweet Spot for Virgin Atlantic

(34:22) Using Air France-KLM Flying Blue for Business Class Flights

(40:23) Leveraging Avios Points

(45:23) Avios Sweet Spots and Places to Avoid

(51:40) Emirates, Singapore Airlines, and Cathay Pacific

(55:44) Is the Avianca LifeMiles Program Worth It?

(59:30) JetBlue’s Transfer Partners

(1:01:44) Southwest Airlines

(1:04:39) Aeromexico

(1:04:52) Qantas and Turkish Airlines

(1:06:43) Booking Flights via United

(1:09:26) EVA Air Program for Flights to Asia

(1:11:18) Uses for ANA

(1:12:45) TAP Air and Thai Airways

(1:13:21) Why Greg Loves Alaska Miles

(1:15:31) Difference Between Airline Miles vs. Hotel Points

(1:16:37) Using Hyatt Points

(1:18:07) Getting Value from Wyndham, IHG, and Hilton

(1:21:11) The Marriott Bonvoy Program

(1:21:40) Booking Hotels with Citi ThankYou Points

(1:23:28) Leader’s Club

(1:25:10) Wells Fargo and Accor Points

(1:25:58) Why You Should Set Up Your Award Programs in Advance

(1:27:47) Is It Possible to Reverse Transfers?

(1:28:56) Where to Find Greg and Frequent Miler Resources

Connect with Chris

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Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Learn more about your ad choices. Visit megaphone.fm/adchoices

#239: Why wait until you're 65? It's feasible for almost anyone to take a mini retirement and when done right, it can also fast-track your career and income. Learn how to plan one, negotiate time off, manage costs, avoid pitfalls, and make it work if you’re self-employed. Plus, we share tips for handling health insurance and other logistics during your mini-retirement.

Jillian Johnsrud is the author and host of Retire Often. She’s taken more than a dozen mini-retirements and coaches people to pursue meaningful goals, take mini-retirements, and align their money with what matters most.

Link to Full Show Notes: https://chrishutchins.com/mini-retirements-jillian-johnsrud

Partner Deals

Stable: 50% off your first year of my favorite digital mailbox

DeleteMe: 20% off removing your personal info from the web

Bilt Rewards: Earn the most valuable points when you pay rent

Long Angle: Join a free private community for high net worth investors

Shopify: $1/month trial for the easiest e-commerce platform

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Jillian: Website | Podcast | Instagram

Jillian's Book: Retire Often

Free Worksheets: Planning | Negotiating

Full Show Notes

(00:00) Introduction

(02:12) Why Traditional Retirements Are Flawed

(04:32) What Is a Mini Retirement?

(06:50) How to Make More Money by Working Less

(09:46) Managing Your Time During a Mini Retirement

(11:57) Common Types of Mini Retirements

(15:43) Ways to Design an Impactful Mini Retirement

(18:19) Financial Implications of a Mini Retirement

(20:40) Chris and Amy's Mini Retirement

(22:57) How to Negotiate a Mini Retirement With Your Employer

(30:41) Paid Leave vs. Unpaid Leave

(37:18) Finding Work After a Mini Retirement

(42:10) Tips for People Who Are Self-Employed

(46:52) How to Plan, Save, and Spend for Your Mini Retirement

(49:33) Estimating the Cost of a Mini Retirement

(53:45) All the Different Ways a Mini Retirement Can Go Wrong

(56:55) Should You Take a Mini Retirement With or Without Your Partner?

(59:07) Health and Travel Insurance Options

(1:01:09) Jillian's Parting Advice

(1:02:23) Where to Find Jillian and Her Work

Connect with Chris

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Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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#238: Chris shares 18 tactics he’s used to get the best deals booking flights and hotels with points. Learn how to leverage flexibility, navigate transfer partners, use the right tools, identify “sweet spots,” avoid high fees, position flights, and so much more.

Link to Full Show Notes: https://chrishutchins.com/18-tactics-for-booking-award-travel

Partner Deals

MasterClass: Learn from the world's best with 15% off

Trust & Will: Get 20% off personalized, legally binding estate plans

Vuori: 20% off the most comfortable performance apparel I've ever worn

Superhuman: Free month of the fastest and best email with code ALLTHEHACKS

Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Chris' Airline/Hotel Transfer Partner Spreadsheet

Free Starter Guide to Points by Devon Gimbel

Award Search/Discovery Tools

Other Resources

ATH Podcast

Full Show Notes

(00:00) Introduction

(01:54) Quick Episode Overview

(03:25) Leveraging Flexibility to Unlock Travel Opportunities

(06:47) The Importance of Understanding Airline Partners

(07:15) Comparing Award Flight Deals

(09:51) Different Cancellation Policies Across Airline Programs

(12:37) Expiration Policies

(14:11) Understanding Schedule Opens and Booking Windows

(16:55) Award Search Tools

(22:13) When and Why You Should Buy Points on Sale

(23:35) Finding Award Sweet Spots

(26:20) Leveraging Transfer Bonuses

(29:00) Why You Should (Almost) Always Book One-Way Travel

(31:07) How to Strategically Position Long-Haul Flights

(34:40) Taking Advantage of Stopovers and Open Jaws

(40:30) Pros (and Cons) of Mixed Cabin Awards

(42:56) Setting Up Alerts to Find the Ideal Flight

(44:56) Booking Backup Flights

(46:25) Three Biggest Pain Points of Award Bookings

(48:31) Hidden City Ticketing

(52:16) Tips for Hotel Award Deals

(53:42) Airline Pricing for Lap Infants and Children

(55:39) Outsized Value from the Southwest Companion Pass

Connect with Chris

Newsletter | Membership | X | Instagram | LinkedIn

Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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#237: Start living your rich life today regardless of your income. Learn how to spend without guilt, track the four key financial numbers that matter most, harness the power of decisiveness, and avoid the common traps that hold people back as their income grows.

Ramit Sethi is a personal finance expert and the NYT bestselling author of I Will Teach You to Be Rich. He hosts the popular Netflix show, How to Get Rich, and the Money for Couples podcast.

Link to Full Show Notes: https://chrishutchins.com/guilt-free-rich-life-ramit-sethi

Partner Deals

LMNT: ⁠⁠Free 8-count sample pack of my favorite electrolyte drink mix

OpenPhone: ⁠⁠20% off the first 6 months of your own business phone system⁠

Notion: Try Notion AI free to automate tedious tasks and streamline your work

Quince: Affordable luxury essentials with free shipping + 365 day returns

Thrive Market: 30% off your first order of organic groceries + a free $60 gift

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Ramit Sethi: Website | X | Instagram

ATH Podcast

Full Show Notes

(00:00) Introduction

(02:23) How Much Money Do You Actually Need to Live a Rich Life?

(04:25) Identifying Money Dials to Live a Rich Life

(06:16) The Four Key Numbers You Need to Track Your Finances

(12:02) How to Learn the Skill of Spending Money

(17:58) Ways to Reframe How You Look at Costs

(23:02) Analyzing How Optimizers Spend

(26:37) Why It's Important to Find Your Worry-Free Number

(28:38) Spend Money Based on the Stage You’re in Life

(34:48) The Role of Income (& Side Hustles) in Your Rich Life

(38:41) Why You Have to Be Honest About Your Rich Life

(40:25) Tackling Big Financial Decisions

(43:27) Why Ramit Thinks Lifestyle Creep Is a Myth

(45:04) How Chris and Amy Decided to Sell Their Vacation Home

(48:13) The Power of Being Decisive and How to Build the Skill

(54:56) Biggest Traps People Face When Moving Up the Wealth Ladder

(58:40) How AI Has Impacted the Way People Manage Their Finances

(1:01:17) Ramit's Challenge for You to Live Your Rich Life

(1:03:34) Where to Find Ramit, His Book, and Other Work

Connect with Chris

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Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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#236: Chris reviews and ranks the full American Express lineup of 30+ cards. He also breaks down Membership Rewards, transfer partners, approval rules, card-linked offers, unique perks, and more.

Link to Full Show Notes: https://chrishutchins.com/amex-cards-membership-rewards-points

Partner Deals

Kick: 50% off your first year of self-driving bookkeeping w/ code CHRIS

DeleteMe: 20% off removing your personal info from the web

Bilt Rewards: Earn the most valuable points when you pay rent

NetSuite: Free KPI checklist to upgrade your business performance

For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals

Resources Mentioned

Best Cards Page

Amex Cards Tier List

Membership Rewards Cards

Cash Back Cards

Delta Cards

Hilton Cards

Marriott Cards

CardPointers Pro: 30% off here or 50% off for ATH Members

Free point.me for American Express Membership Rewards® points

Co-Branded Marriott Card Eligibility Rules

Tim Ferriss Ep #815: Helping Tim Burn 15M+ Miles and Points, Flipping Costco Gold Into Five-Star Trips & More

ATH Podcast

Full Show Notes

(00:00) Introduction

(01:52) Quick Episode Overview

(04:29) Amex Green Cards

(07:30) Amex Personal Gold Card

(11:32) Amex Business Gold Card

(15:01) Amex Platinum Cards

(19:24) Perks & Benefits on the Platinum Cards

(25:19) Platinum Card Variations

(29:38) Business Platinum Card

(38:05) Centurion Cards

(42:05) Blue Business Plus

(43:45) Amex Cash Back Cards

(49:19) Delta Cards

(1:03:10) Hilton Cards

(1:11:37) Marriott Cards

(1:22:17) Amazon Cards

(1:23:39) Leveraging Card-Linked Offers

(1:25:47) Notable Benefits of Amex Cards

(1:29:48) General Business Card Perks & Benefits

(1:30:30) Rental Car Coverage

(1:31:46) Credit Limits on Amex Cards

(1:32:19) Membership Rewards

(1:35:00) Amex Airline & Hotel Transfer Partners

(1:37:32) How to Move Membership Rewards Points

(1:38:21) Rules for Opening Amex Cards

(1:41:34) Reasons to Love or Dislike Amex

(1:45:26) The Best Amex Two-Card Combo

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