Stack Your Points

0:00 - Introduction & Embargo Discussion

Viewer Questions  

- Fling, marry, kill - Hyatt, Marriott, Hilton points. - Chris M    

- How often do you recommend re-evaluating your setup?  'Normies' do it almost never. But how often should  people in the game do it?  Obviously that has to be balance and you can't chase every new and shiny thing.  Quarterly?  Semi-annually? - RP2048    

- If your airport of choice magically became a hub for a different airline (oops Atlanta is now American or oops RJ's airport swaps their Delta flights for United flights and vice versa) how easy would it be to swap loyalty? Would you try to force your loyalty to stay where it is or would you easily swap over. - Kirby G    

- With the announcement of changes nerfing MileagePlus for non-cardholders on April 2nd, how long until Delta+Amex do something similar? Will they delay it because the image so far has been that Delta is leading the trends in loyalty programs United is following or will their greed win over their pride? How do you think this changes advice for beginners and do you think people farther in should think harder about velocity to be able to pivot faster when news like this comes out? - Benevolent Contrarian.

Lani  

RJ

---

Viewer Questions  

- How should creators walk the line between speaking in their own experience re: what set ups or strategies work for them vs. inadvertently giving the impression that they are suggesting people should do the same? - DDAF

- Several credit cards in the past gained more appreciation when they could no longer be applied to and were only available to grandfathered cardholders. For example, Citi Prestige (5x restaurants, but considered a shell of its former self) and Chase United Presidential Plus (low-priced United Club access, but considered expensive in an era right after lifetime lounge membership was offered). Which of today’s cards would be considered lost grails if they were unobtainable to new applicants? - Ganelon

- With Amex closing the United travel  bank loophole on the Platinum, does it affect the Hilton Aspire as well. - James Ragland

- People talk about card setups and ecosystems but never the endgame. What is considered your endgame setup (ignoring welcome sub resets on eligibility and NLL links) does that endgame include multiple transferrable ecosystems or one single one etc. - Diamond Ryce

Lani  

RJ

## Viewer Questions  

00:00 Introduction and Catching Up

Topics

Matt

Craig

RJ

00:00:00 - Hello and Welcome

Understanding The Latest Trends in Credit Card Rewards

In this episode of Stack Your Points, hosts Matt Clausen, Craig, and CallMeLani dive into several hot topics in the world of credit cards and point stacking.

00:00 Introduction and Welcoming Guests

00:18 Discussing Cold Weather and Travel Experiences

02:52 Credit Card Points and Devaluations

17:21 Built 2.0 and Credit Card Comparisons

39:45 Future of Credit Card Rewards and Banking Changes

42:44 Cutting Out Poor Consumer Choices

44:19 Points and Miles Devaluation

48:53 Credit Card Spending and Status Tiers

01:01:32 Stacking Coupons and Offers

01:17:10 Chase Apple Card Speculations

01:30:26 Sharing Points and Miles with Friends and Family

01:41:21 Credit Card Launches: No More Pre-Announcements

01:49:36 Final Thoughts and Shoutouts

00:00:00 - Hello and Welcome

00:00:00 - Start

In this episode of 'Stack Your Points,' the hosts conduct a year-end review of 2025, discussing standout credit card issuers, notable cards, and major events in the credit card industry. The episode highlights US Bank’s failures, Citi’s partnership with American Airlines, and Chase’s missteps with the Sapphire Reserve refresh. The hosts debate future potential refreshes for cards like the American Express Green and Chase Sapphire Preferred and predict which cards might get nerfed. They delve into the implications of the Discover payment network acquisition by Capital One and explore potential moves by other major banks. Speculations include the evolution of Bilts card lineup, cardless as Bilts next issuer, and strategies various banks may adopt in the constantly changing financial landscape. The episode also touches on macroeconomic concerns and their impact on credit card industry strategies.

00:00 Introduction and Year-End Review

In this episode of Stack Your Points, the hosts delve into various aspects of the credit card and travel rewards space. The show kicks off with a discussion about the sudden collapse of the Mesa credit card program and its implications for cardholders. Lonnie shares his favorite Disney properties, emphasizing the unique charm of Aulani in Hawaii. The hosts also tackle listener questions, including tips for booking Disney vacations using DVC points, and share their best flight and hotel experiences of the year. Additionally, RJ discusses her recent travel ordeal and how best to handle significant flight delays. The episode concludes with each host's wishlist for future credit card offerings and bonus categories.

00:00:00 - Introduction