How do you handle conflicts of interest with affiliate links?

Strategy first, links second. I'll show you the right card for your situation whether I have a referral link for it or not. When I do have a link and the card is genuinely the right fit, I'll always pick the version that gives you the strongest sign-up bonus, even when that means a smaller commission for me. Full affiliate disclosure on every card page, nothing hidden.

Will opening new cards hurt my credit score?

Each application is a hard pull, which usually causes a small temporary dip of 5 to 10 points that recovers within a few months. Over time, a smart card strategy tends to improve your average account age and total available credit. We'll talk about your timeline on the call. If you're planning to apply for a mortgage in the next 6 months, the plan looks different. Also worth knowing: business cards typically don't even report to your personal credit report.

What if I don't have an LLC or formal business?

In most cases, you still qualify. Side hustles, freelance income, Etsy shops, rental properties, even consistent reselling all count. No LLC required. Sole proprietor status is enough, and we'll talk through what you can apply for.

What does the free call cover?

We'll talk through your current cards, points balances, spend categories, and what kind of trips you'd love to take. I'll flag the 1 or 2 biggest opportunities I see and give you a clear next step. If a deeper paid engagement makes sense, I'll say so. If not, I'll say that too.

Can't I just use The Points Guy or AI for free?

TPG is a great resource, and so is a quick AI search. But no AI tool can see your account or make the judgment call based on your specific goals, giving you full peace of mind. Award charts, transfer bonuses, and seat availability change all the time, and that's what my personalized expertise gives you.

I run a business. Is this different from your consumer advice?

The strategy is the same, but with more upside: business cards carry stronger sign-up bonuses. For a business running $100K/yr through cards, a free call typically brings you thousands in year-one travel value, and much more year-over-year value through The Dream Trip Flight Plan. See the Business Owners page for more details.

You might already have enough points to fly business class.
Let's find out.

Q: How do I know if this is for me?

Most people can benefit from saving money on their travel, but this isn't for everyone. Skip it if you don't travel much at all, don't put much spend on your credit cards, carry credit card debt, or need one exact destination on one exact date. But if you like to travel, spend at least $3K/month, can use credit cards without carrying a balance, and have some flexibility on when or where you fly, your free travel is waiting to be found.

Most people let their credit card points sit idle, or redeem them at 25–40% of what they're worth. One free call shows you what yours are worth, and the fastest path to a lie-flat seat you'd never pay cash for.

My Stats (more below)

$60K+ Travel unlocked

37 Countries visited

60+ Trips booked with points

8 yrs Points expertise

Your Free Personalized Points Strategy Is Worth…

Based on an average client with moderate spending:

Sign-up bonus value ~$1,000

Better redemption paths +50% value

Identified missed perks ~$100

Estimated value found $1,200–$2,000+

Let Points Cover My Next Trip →Book my free strategy call

The Problem

You're getting a fraction of what your points are worth

Banks profit when you don’t know better, and if you run a business, you’re leaving even more on the table. The most common mistakes:

✗

Redeeming for cash-back or gift cards
✗

Using the wrong card for your spending
✗

Hoarding points or letting them expire unused
✗

Not knowing how to use transfer partners (moving points to airline / hotel programs for better value)

What you get on your free call

You'll get straightforward guidance on the moves that make the most sense for your specific situation, goals, and travel style. Together, we will:

1 Assess your current cards and identify any gaps with a personalized card recommendation or two
2 Identify any missed perks you're not using
3 Show you how to redeem your points toward your next trip or dream travel

Want a thorough cards / points strategy and support to help fund your dream travel year-over-year? That's the $197 Dream Trip Flight Plan below.

Flying Emirates first class booked entirely with credit card points

Flying 1st class on Emirates

Chichen Itza

Asiana Airlines business class from Seoul

Asiana business class, Seoul

Hyatt Globalist breakfast in Prague. I covered our hotel stay with Chase points transferred to Hyatt

Hyatt Globalist, Prague

Family trip to Salzburg covered with Chase Ultimate Rewards points

Family holiday, Salzburg

Golden Gai, Tokyo

Family trip, Prague

Ice climbing, Turin

Flying 1st class on Emirates

Chichen Itza

Asiana business class, Seoul

Hyatt Globalist, Prague

Family holiday, Salzburg

Golden Gai, Tokyo

Family trip, Prague

Ice climbing, Turin

37 countries
(and counting!)

About Ross

I flew first class on points. I'll help you do the same.

I'm Ross Bradley. For over 8 years I've obsessively optimized credit card points, earning more than $60,000 in travel for my own family: first class on Emirates, business class across Asia and Europe, an anniversary trip to a luxury $1K/night hotel in Mexico. These are all trips we'd never have afforded otherwise. Friends kept asking how I did it. I've made it official, and will nerd out on your points for you, so you don't have to, and instead can travel just like this.

See what working with a credit card points consultant looks like →

🏯

Free Stays in Japan

Free nights & upgrades, Kyoto & Tokyo

👨‍👩‍👧‍👦

Family Trips Covered

Salzburg, Prague & more

🎁

Booked Friends' Flights

Free, using surplus points

🛋️

World-Class Lounges

Qatar Airways & Turkish Airlines

FAQ

The process, explained

✓

Bank-agnostic by design

Chase, Amex, Capital One, Bilt, Citi, Wells. Every issuer has trade-offs, and I work across all of them. You walk away with whatever card fits your spending.

What I'm not

Although I'm not a CPA, financial advisor, or attorney, I take the whole picture into account when giving recommendations and points strategy.

✉️

Still have a question?

I respond to every message personally. Not sure if it's right for you or have a question? Just ask!

We'll cover your current cards, points balances, spending, and travel goals. I'll flag your biggest opportunities and clear next steps. If a paid service makes sense, I'll say so, and if not, I'll say that too.

Strategy first, links second. I'll recommend the right card whether or not I have a referral link, and when I do, I'll pick the version that gives you the strongest bonus, even if it means no compensation for me. Full affiliate disclosure on every card page.

Each application is a hard pull, usually a temporary dip of 5 to 10 points that recovers within a few months. A smart strategy tends to improve your credit over time. Buying a home in the next 6 months? We'll factor that in. Business cards typically don't report to your personal credit at all.

Same strategy, more upside: business cards carry stronger sign-up bonuses. For a business running $100K/yr through cards, a free call typically brings thousands in year-one travel value, and much more year-over-year through The Dream Trip Flight Plan. See the Business Owners page for details.

In most cases, you still qualify. Side hustles, freelance income, Etsy shops, rental properties, even consistent reselling count. No LLC required, sole proprietor status is enough.

TPG is a great resource, and so is a quick AI search. But no AI tool can see your account or make the judgment call for your specific goals. Award charts, transfer bonuses, and seat availability change constantly, and that's what my personalized expertise gives you.

Most people can save money on their travel, but this isn't for everyone. Skip it if you don't travel much, don't put much spend on cards, carry credit card debt, or need one exact destination on one exact date. But if you travel, spend at least $3K/month, can use cards without carrying a balance, and have some flexibility on when or where you fly, your free travel is waiting to be found.

Services

Choose how you want to work together

You can learn all of this yourself for free, but transfer partners and award charts change often, and staying on top of it all takes at least 10 precious hours per month. I can do it for you, and even teach you the system along the way if you'd like.

Redeem Your Points

Done-For-You Award Flight Search

Clients find $2,000–$5,000+ in business class flight value.

Business class from $197

Founding client rate, first 15 clients

Need economy? That starts at $147.

✓5-minute intake form, no call needed
✓2–3 award options in your inbox within 72 hours
✓Exact point costs, taxes, and cash value
✓Step-by-step booking instructions included
✓$50 credit toward The Dream Trip Flight Plan within 90 days

Find My Flight!

My personally vetted card picks

No Annual Fee

Chase Freedom Unlimited

Apply ↗

Best Starter Card

Chase Sapphire Preferred

Apply ↗

Premium Pick

Capital One Venture X

Apply ↗

Best Starter Business Card

Chase Ink Biz Unlimited

Apply ↗

Affiliate disclosure: I may be compensated for referral links at no cost to you. I will never recommend a card that isn't in your genuine best interest. Credit card offers are provided by issuing banks and may change, so always review terms on the issuer's page before applying.

★★★★★

"On our first 30 minute call, he gave my husband and me some amazing advice about our card benefits. We quickly transitioned to one of the cards he suggested and have now earned 175,000 Chase UR points, easily worth more than $2,000 in travel for our family."

Sharon & Tony

"Ross's approach is refreshingly unbiased and backed by real expertise. He helped me identify the best credit cards for my situation and showed how those changes could save me well over a thousand dollars."

Pat

"Ross helped me find and book a wonderful deal to fly from Charlotte to London in AA business class (typically worth $2,500)! I enthusiastically recommend Ross, with respect and appreciation for his patience, intelligence, and expertise."

Dawn

"I often used my points for sub-optimal value, leaving money on the table. Ross has it down to a science. If I'm planning a trip or considering a new card, Ross is my go-to before I make any credit card points related decision."

Xavier

"You'll walk away with actionable next steps and a presentation you can reference going forward. Ross is extremely knowledgeable and provides deep insight into the nuances of credit card points."

Phillip

"I didn't want to spend a ton of time on it or know where to start. Ross was a huge help in building a game plan that worked for me and made a big boost to my points potential without requiring a ton of new cards."

Daniel

"Ross took great care to understand our goals and our financial strategy in order to provide a personalized and meaningful path to maximize credit card benefits. ... Thanks to Ross's tips, I got an alert today and saved almost $100, and got a better departure time!"

Bob

"Ross is very knowledgeable and presents his information in a clear, easy-to-understand way. I would recommend Ross to anyone who is interested in earning points and learning more about travel."

Teresa

"Ross is a super knowledgeable and experienced travel hacker! He was well prepared, concise, and yet thorough during our consultation call. I highly recommend meeting with him."

Jeremy

You might already have enough points to fly business class.
Let's find out.

Your Free Personalized Points Strategy Is Worth…