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Stack Your Points episodes
- The People vs Wells Fargo
Welcome to a new episode of Stack Your Points!
This week we have the full show for you with news, viewer questions and 4 fun topics.
Matt
- Is there such a thing as a “Best Starter ecosystem?” Or should you not worry about how you start in the game? (MC)
Lani * “Why do you have it?” Cards. Card which you do not often use. Card (s) that do not fit within your Main/Plan A strategy. Card(s) that have reward currencies which you would go out of your way to use? * Example: I have Amex Platty. I do not use it to purchase everyday things (unless its an Amex offer or point stack). Does not transfer to United/IHG. Only use points to transfer out or a good deal within Amex travel portal. So why do I have it? (yes, I have an answer why.)
Tariq * Credit card “strategies” that’ll get you on a bank’s bad side. Do people not know/understand the risk, or do they simply not care until they’re hit with the consequences?
RJ * The hosts of Stack Your Points are all sitting at Café Henri in Queens, New York on November 14th in the morning (allowing you to pick the time so you can catch an early flight if you need). We all have our bags with us. * Using our loyalty programs and the credit cards we have access to, how would each of us get from New York City to Seattle Washington, each traveling solo? * Where would we stay in Seattle if we wanted to stay with a brand we had loyalty with for a five night stay? * How much did we spend in points and cash? The flight must have at least one layover.
2 hr 16 min - Back to Basics | Transfer Partners
Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani | Tariq Gaines | RJ from Do You Take Cards
Back to Basics
Transfer Partners 101: What are Transfer Partners; why do we obsess over them?
If you want to ask a question, you can leave a comment or email [email protected].
Join our Discord: https://discord.gg/hmhYfxfyWN
Where to find us
https://www.youtube.com/@MattClausen
https://www.youtube.com/@CallMeLani
https://www.youtube.com/@DoYouTakeCards
25 min - The Full Show | Buy Your Medicine, Get Your Points, Move On
Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani | Tariq Gaines | RJ from Do You Take Cards
News Round-Up
None this week.
Back to Basics
Transfer Partners 101: What are Transfer Partners; why do we obsess over them?
Topics
Matt: Hilton does FNC better, either uncap them or don’t offer them at all.
Lani: There’s a lot of refreshes, new cards [confirmed & rumored], and partnerships happening (i.e. BILT+Walgreens). Once these things are announced, CCYT goes into “worth it/ not worth it,” “keep or cancel.” What changes would you actually like to see happen with CCs?
Tariq: Is credit card addiction real, or is there no such thing?
RJ: What is your relationship with digital wallets like? Love them? Hate them? Do you have all your cards in there or just some?
Viewer questions
- How do you value points when using them to top up a loyalty account? Say you want to take a flight that has a cash price of either $650 or 50,000 points (1.3cpp). You currently have a balance with that airline of 40,000 points/miles, and the airline will sell you miles directly for 3 cents each. - SpaethCo
- Do you transfer 10k points over to make that redemption instead of paying cash, and if so how do you value those 10k points?
- A. $650, because it saved you from spending $650 out of pocket at that point in time.
- Do you transfer 10k points over to make that redemption instead of paying cash, and if so how do you value those 10k points?
- B. $300, because that's how much it would cost you to purchase the last 10,000 directly from the airline.
- C. $130, because the whole redemption was 1.3cpp, so 10k points is only worth $130. (Spaethco)
- We are seeing more tiered SUBS and SUBs with bigger spend requirements. Do you think SUB spend requirements are going to keep growing or duration or neither? Why do people like Barclays have one transaction SUBs? - AP
- Question for @RJ specifically. Knowing the limitations on SkyMiles and the increased cost of attaining/maintaining Delta status. Would you ever see yourself moving your loyalty? Or is your semi-loyalty purely due to geographic constraints? - K1d_Cat37
- In your opinion, what is the most underrated no-AF non-Attune card out there? Mine is the Chase Ink Cash - 5x on streaming, phone services, and cable. AND up to $25k of Visa & M/C gift cards at office supply stores which you could turn into 5x on any category spending like groceries or dinning. - Keith
- I’d love to see more point stacking examples on earning and on redemptions. - Anthony Bove
If you want to ask a question, you can leave a comment or email [email protected].
Join our Discord: https://discord.gg/hmhYfxfyWN
Where to find us
https://www.youtube.com/@MattClausen
https://www.youtube.com/@CallMeLani
https://www.youtube.com/@DoYouTakeCards
2 hr 26 min - How do you value points when using them to top up a loyalty account? Say you want to take a flight that has a cash price of either $650 or 50,000 points (1.3cpp). You currently have a balance with that airline of 40,000 points/miles, and the airline will sell you miles directly for 3 cents each. - SpaethCo
- Q & A | Buy Your Medicine, Get Your Points, Move On
Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani | Tariq Gaines | RJ from Do You Take Cards
Viewer questions
- How do you value points when using them to top up a loyalty account? Say you want to take a flight that has a cash price of either $650 or 50,000 points (1.3cpp). You currently have a balance with that airline of 40,000 points/miles, and the airline will sell you miles directly for 3 cents each. - SpaethCo
- A. $650, because it saved you from spending $650 out of pocket at that point in time.
- B. $300, because that's how much it would cost you to purchase the last 10,000 directly from the airline.
- C. $130, because the whole redemption was 1.3cpp, so 10k points is only worth $130.
- Do you transfer 10k points over to make that redemption instead of paying cash, and if so how do you value those 10k points?
- We are seeing more tiered SUBS and SUBs with bigger spend requirements. Do you think SUB spend requirements are going to keep growing or duration or neither? Why do people like Barclays have one transaction SUBs? - AP
- Question for @RJ specifically. Knowing the limitations on SkyMiles and the increased cost of attaining/maintaining Delta status. Would you ever see yourself moving your loyalty? Or is your semi-loyalty purely due to geographic constraints? - K1d_Cat37
- In your opinion, what is the most underrated no-AF non-Attune card out there? Mine is the Chase Ink Cash - 5x on streaming, phone services, and cable. AND up to $25k of Visa & M/C gift cards at office supply stores which you could turn into 5x on any category spending like groceries or dinning. - Keith
- I’d love to see more point stacking examples on earning and on redemptions. - Anthony Bove
If you want to ask a question, you can leave a comment or email [email protected].
Join our Discord: https://discord.gg/hmhYfxfyWN
Where to find us
https://www.youtube.com/@MattClausen
https://www.youtube.com/@CallMeLani
https://www.youtube.com/@DoYouTakeCards
1 hr 8 min - The Main Show | Buy Your Medicine, Get Your Points, Move On
Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani | Tariq Gaines | RJ from Do You Take Cards
News Round-Up
None this week
Topics
Matt: Hilton does FNC better, either uncap them or don’t offer them at all.
Lani: There’s a lot of refreshes, new cards [confirmed & rumored], and partnerships happening (i.e. BILT+Walgreens). Once these things are announced, CCYT goes into “worth it/ not worth it,” “keep or cancel.” What changes would you actually like to see happen with CCs?
Tariq: Is credit card addiction real, or is there no such thing?
RJ: What is your relationship with digital wallets like? Love them? Hate them? Do you have all your cards in there or just some?
If you want to ask a question, you can leave a comment or email [email protected].
Join our Discord: https://discord.gg/hmhYfxfyWN
Where to find us
https://www.youtube.com/@MattClausen
https://www.youtube.com/@CallMeLani
https://www.youtube.com/@DoYouTakeCards
Buy your medicine, get your points, move on
1 hr 13 min - Rants Will Continue Until Behavior Improves
Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani | Tariq Gaines | RJ from Do You Take Cards
00:00:00 - Intro
00:01:44 - News00:12:02 - Topics01:08:32 - Back to Basics01:12:36 - Viewer Questions01:37:04 - EndingNews Round-Up
- Our show will now drop on Wednesdays
- We go over the Alaska and Hawaiian Airlines merger.
Topics
Matt | USBank and Wells Understand Credits; everyone else is annoying.
Lani | Is there a “universal” card or strategy for beginners? So many opinions from others about ‘what to do.’ Every answer or opinion is different. So is there a “universal strategy or card?”
Tariq | Cent per point valuations aside, does it really make sense to compare cards from different points & miles ecosystems?
RJ | Bilt came into the credit card market with a new category or at least a new spin on that category - Rent - what do you see other categories that are ripe for the same treatment?
If you want to ask a question, you can leave a comment or email [email protected].
Join our Discord: https://discord.gg/hmhYfxfyWN
Where to find us
https://www.youtube.com/@MattClausen
https://www.youtube.com/@CallMeLani
https://www.youtube.com/@DoYouTakeCards
1 hr 38 min - A Cookie And A Sad Salad Bar
Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani | Tariq Gaines | RJ from Do You Take Cards
News Round-Up
- Delta and Microsoft/Cloudstrike in a war of words
- The Savor from Cap1 is dead, long live the Savor
Topics
Matt | “Credits minimizers” ruined some cards; stop thinking you’re getting one over on the issuer.
Lani | Booking domestic flights with airline alliance partners: Is the juice worth the squeeze?
Tariq |
RJ | What apps or other ways to track do you use that are credit card related? Card Pointers? Max Rewards? A spreadsheet?
Jon R's Amex Video
If you want to ask a question, you can leave a comment or email [email protected].
Join our Discord: https://discord.gg/hmhYfxfyWN
Where to find us
https://www.youtube.com/@MattClausen
https://www.youtube.com/@CallMeLani
https://www.youtube.com/@DoYouTakeCards
1 hr 57 min - Back to Basics
Welcome back to Stack Your Points!
Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani | Tariq Gaines | RJ from Do You Take Cards
News:
- Capital One Rumored to be Launching New Cards
- New JetBlue Plus Card Welcome offer
Topics:
Matt- What do you look for when considering a credit card, what do you think others would benefit looking for?
Lani- $0 annual fee setup, no more than 3 cards. What are you choosing?
Tariq- Cash back vs. travel: Determining your “what” for beginning the game.
RJ- In your opinion, what makes a credit card “good”?
You can email us at [email protected]
1 hr 11 min - Paint The Whole Wall
Show Notes
Welcome to Stack Your Points!
Hosts:
Matt Clausen
CallMeLani
Tariq
RJ From Do You Take Cards
News Round-Up
- American Express Gold has dropped! What do we think?
- Bill has made some changes to Rent Day.
Topics
Matt
- Don’t make us math credit card companies. Make it easy to track points.
Lani
- Points vs. Free nights: When to take a standard offer vs the inflated offer, IHG premier personal card
RJ
- How do you evaluate annual fees and decide when one is worth paying?
Viewer questions
- I’m going away to college soon and trying to figure out which card to get now that I’m 18. What is a good student card to help with my credit score and to help me travel a bit back home and with friends? - Adam
- Will the American Express Everyday and Everyday Preferred be refreshed this year?? What will Amex do? - Anonymous
How to contract us via email: [email protected]
1 hr 39 min - What's Your 5/24?
Welcome to Stack Your Points!
Hosts:
Matt Clausen
CallMeLani
Tariq
RJ From Do You Take Cards
News Round-Up
- American Express Gold Rumors have Dropped
Topics
Matt
- Is there a Card that you wish another (or your) ecosystem had, which card and why?
Tariq
- What’s the holdup, Wells Fargo? Drop your next round of transfer partners already!
RJ
- Chase 5/24, why do people 1) care so much 2) treat it like it’s the be all and end all and 3) why don’t more companies have it?
How to contract us via email: [email protected]
1 hr 1 min
About Stack Your Points
From the publisher's feed
Credit cards can be a fun playground of make points, spend points and stack points.