How to Travel for Free Using Credit Card Points

One of the most underrated perks of owning a business is the ability to travel—often for free—by using credit card points.

In this post, I’m breaking down how clinic owners (and really anyone) can use everyday spending to rack up points and book unforgettable trips without touching your bank account. I’ve personally flown family to Hawaii, sent my wife and her sisters to Paris, and taken snowboard trips across the U.S.—all on points.

Here’s how you can do it too.

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🎯 Step 1: Use Business Expenses to Rack Up Points

If you're already spending money on your business, you might as well be rewarded for it. Every dollar you spend on:

• Advertising (Facebook, Google Ads)

• Travel (flights, hotels, car rentals)

• Utilities (internet, phone)

• Equipment or continuing ed

…can earn you points that eventually turn into free travel.

Pair this with a good personal credit card that gives rewards for groceries, dining, or gas, and you can double-dip on point collection.

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💳 Step 2: Pick the Right Credit Cards

Here are my go-to cards for business owners:

Chase Ink Preferred (Business)

• 3x points on ads, travel, internet, phone

• $95 annual fee

• Great sign-up bonus (usually 90k+ points)

Chase Sapphire Preferred (Personal)

• 2x points on travel and dining

• Low annual fee

• Flexible transfer partners

Amex Gold (Business/Personal)

• 4x points on groceries or ads (depending on the card)

• Higher annual fee (~$375), but higher earning potential

💡 Pro Tip: Time your sign-up with a big purchase (equipment, course, travel, or even quarterly taxes). That way you hit the spending minimum to unlock the bonus without overspending.

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🚫 What NOT to Do

Avoid these mistakes that kill the value of your points:

• Don’t carry a balance. Interest rates are 25–28%. Pay it off every month.

• Don’t use the Chase or Amex travel portals. Instead, transfer points to partners like Hyatt or Air France for better rates and flexibility.

• Don’t redeem for cash back. It’s usually worth half or less compared to travel redemptions.

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🧠 Example Redemptions

🏂 U.S. Trip: Snowboard Park City

• Roundtrip flights for two: 60,000 points

• 3 nights at Hyatt hotel: 54,000 points

• Total: ~114,000 points
  This is achievable with just one card’s sign-up bonus.

🌍 International Trip: Paris from Atlanta

• Roundtrip for two on Air France: ~74,000 points + ~$300 in taxes

• Retail cost: ~$2,000
  Transfer your points to Air France (Flying Blue) for the best deal.

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🙌 Bonus Perks You Didn’t Know About

• Rental Car Insurance: Many business cards come with primary rental insurance (saved me $1,000+).

• Higher Credit Score: Using cards wisely increases your available credit and improves utilization.

• Memory Dividends: Taking your family or friends on trips they’ll never forget—and not spending a dime—might be the most satisfying benefit of business ownership.

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✅ Action Plan

1. Get one personal and one business card (Chase or Amex recommended).

2. Put all business and personal expenses on those cards.

3. Time sign-up bonuses with major purchases or tax payments.

4. Transfer points directly to travel partners (not portals).

5. Plan something awesome and bring someone with you.

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Podcast Transcript

 Dam Te here, founder of PT Biz, and today I am really excited to share something with you that I think you're gonna really like, which is how you can travel, go on vacation, and not have to pay for it at all.

So one of the perks of owning a business and uh, being able to, uh. You know, needing to spend money on things is the fact that we can leverage credit cards to then reward us with points that we can use to do cool things like travel around the country with our family. And you don't necessarily have to have a business to do this, in fact.

When I first started getting into, uh, this, I didn't have a business and, uh, you know, I'll, I'll, I'll tell you, you know, sort of backstory about how I got into this. But before I do that, I want you to really, um, understand that what I'm gonna talk about is I. Um, it's something that I think can really make a, a, a entrepreneurship fun.

It can make it, uh, a fun for you to be able to share experiences with friends and family, which for me is, is very important. It's something that I value more and more and more as I get older. And this is a really cool way to be able to share, uh, you know, the ability to, to travel, which can be very expensive, very cost prohibitive, uh, for a lot of people with your, you know, your friends, your family, or.

I yourself and whoever your, your significant other or whoever you like to travel with, um, this is a really cool way to be able to do it and for it to be damn near free in, in many cases, which is, which is pretty rare. Um, and let me, let me give you a little backstory on how I got into this and then we're gonna go into exactly what I think clinic owners should be doing.

As far as leveraging, uh, credit cards correctly and some of the drawbacks to this, if you do it incorrectly. So when I first got stationed out in, uh, Scofield Barracks, which is in Hawaii, I. I really wanted my family to come out and see us In particular, my wife has, um, two brothers, and my brother-in-laws are awesome.

You know, they're, I'm very close to both of 'em. We're basically, you know, we're, we're, we're a tight family and they didn't have any money. Uh, they were in college. They girlfriends at the time who are now their, their wives, uh, also wanted to come to Hawaii and they didn't really have. Uh, the money to do it.

Uh, either one, one of 'em was working in, in like consulting. She could have done it, but the, the rest of 'em probably not. Right. So I also didn't have the money to fly, uh, four people out to Hawaii from, uh, you know, the east coast and I didn't know what to do. So I started to kind of look up like, how can you get flights for people, whatever, and.

I came across, uh, airline miles and credit card points, which I'd never really I knew anything about, right? Like I hadn't really traveled much. I wasn't flying much, but Hawaii's really far from basically everything. And so anytime that we had to go somewhere, we had to fly. I. So I started looking into it more and more, and I kind of went down the rabbit hole of this.

And long story short, I was able to, uh, get credit cards, use them effectively, like, uh, intelligently, not put myself in debt, but use them for day-to-day spending and things that we had to, to use bonus, uh, signup points on, on cards. And within the, the course of about six months, I had enough points to be able to get four flights.

For Ashley's, um, you know, family members out to Hawaii to see us and back, and I didn't have to pay a dollar for it. And this was to me like. Insane. It was unbelievable. 'cause it, it would've been, I don't know, it was somewhere around three to $4,000 for, for all these flights, which at the time for me, that was an astronomical amount of money.

Like, we weren't making a ton of money. I was lieutenant in the army, we were living in a very expensive area. And, uh, it was just really cool to be able to bring them out and for them to, to see Hawaii, which we wanted to ex, you know, experience with 'em. We wanted to show them around this amazing. Um, island that we had been so lucky to be stationed at, but yet it was so difficult to get to and it's so expensive that family and friends just, we, we couldn't get them out there very much.

So this was the beginnings, uh, for me to, to really dive into this world of, um, of credit card points and miles. And one thing that I noticed whenever I was in Hawaii was. There's all these business cards and I didn't have a business, so everything that I had to do was on personal cards. But if you have a business, it is, it is a complete, like huge advantage to be able to improve the, uh, the, the, the amount of points you can accumulate in a short period of time.

And because we have business expenses that we have to pay for, we can effectively leverage our, uh, our cards to be able to actually. Uh, accumulate more points, right? So I'm gonna actually go through this, and if, if you're listening to this on the podcast, um, I would highly recommend going to the YouTube channel for this, because I'm going to actually go through, uh, uh, a training on, uh, like the actual cards I recommend.

I. Uh, examples of hotels and flights you can get, how, how to transfer these things. This is gonna be like pretty in depth, so you can listen to this on the podcast if you'd like. Um, but I, I would recommend going over to the YouTube channel and go to the PT BZ YouTube channel. And, uh, you can see the visual side of this as well as I'm gonna go through it.

So, uh, okay, let's get started on this. So, number one, alright, uh, credit card points, right? They're, they're one of the best perks that you have for owning a business. And, um, you know, when we look at. Using a credit card. There can be a big stigma around this and I definitely had that. You get you so. When I lived in, uh, San Antonio, it was right when Ashleigh and I got married.

We went on the Dave Ramsey envelope system. And if anybody knows what that is, it's probably the most extreme way of, uh, limiting what you spend and trying to eradicate debt. It is not fun. Um, you basically are putting cash into envelopes and you're using that everywhere you go. It's very, very just, you know, difficult to do.

It's very restrictive and I mean, you're going to like the grocery store. Hoping you have enough cash, and if you don't, you're like putting stuff back. That's how restrictive it is. I went from that to then getting like, I don't know, eight credit cards when we moved to Hawaii so I can get, accumulate all these points and stuff.

Right? And that's a bit extreme, but, uh, the, the, the key is that you, you have to understand, you have to manage this, right? Because you don't wanna just get credit cards, put a bunch of, um. You know, put a bunch of spend on it and not pay it off, because then you'll end up in credit card debt, which is actually like the exact opposite of what you want.

So you have to, you have to understand like you have to pay these things off and, but in a business, you're paying for things anyway, so when you pay for things, it's much safer to do it on a credit card. There's more insurance. It's not going directly to your debit, uh, account. Um, there you can charge back on things if there's fraudulent, uh, charges.

There's a lot of insurance that comes with a lot of these as well, which is really interesting. I can talk about some of the use cases with that. But, um, everything that we spend in our businesses. Goes through a credit card because for another re for another reason, it's much easier to account for things.

If it's all going into one place, we can see them. It categorizes it really well and it goes straight to the bookkeeper. That can then break that up into the different, uh, component parts that we're tracking. But this is a really huge advantage because we have to pay for things anyway, I. Like that's, that's the thing.

People in their personal life, they have to pay for things, but they also don't want to have, like, they don't have these huge expenses. Hopefully, uh, you know, on a monthly basis, hopefully they have relatively small expenses and they're saving a good be. But in the business we have to pay for certain things and we can accumulate points because of that.

So. We have business overhead anyway, right? So the ability to have, to pay for things no matter what is huge. Um, also you have access to business cards, which allows you to then accumulate, basically double the amount of cards as you can when you have, uh, personal cards. Uh, you also have the ability to meet minimum spends through your business.

And I'll talk about that because the way that a lot of these cards work is. They say, okay, hey, we'll give you this bonus if you spend this much amount on this card in this duration of time. And it can be a really hard thing to do on the personal side, but on the business side. Oftentimes we have like equipment we have to get, or, uh, we have to, you know, continue, continue education courses we're paying for, for staff.

Um, we're going on a trip as a business owner to go, you know, do some networking event or something like that. Like you can time these around that really well, and you can meet these minimum spends pretty easily. Uh, also you can travel without the massive expense, which I already talked about, which is, is, is just huge, right?

Uh, so these are the big benefits to it. But let's talk about the like. The specifics of this and what the different options are. So you have personal cards. So these are cards that are, obviously, they're assigned to you as an individual or your spouse as an individual, which is also something you can do.

Let's say that you have, uh, it's, it's you and your spouse. You can get a personal card for each of you, so you can get a personal card for each of you, and then you can get a business card for your business. Your spouse, if your spouse, if your spouse is a owner of that business, they can also get a business card for this.

So if there's two of you, you can even double the amount that you can get. Um, and this really helps a lot with, with bonuses. One other caveat to this, as I started to get into doing this when I was, uh, when I was in the Army in Hawaii. Um, I was worried about my credit score going, uh, going down. And what was ironic about that was the opposite actually happened because for a short term, the way it works is you do get, like your credit score gets lowered for a period, a short period of time.

But one of the, uh, one of the things that goes into your credit score is what's called your credit utilization ratio. So it's how much credit you have available. And how much you're actually using. So let's say you have a credit card that has a thousand dollars balance on it, and you have a hundred dollars on it at the time, right?

So you're using, uh, 10% of your available balance. If you have a thousand dollars available limit and you used a hundred dollars of it, so you, it's a 10% utilization ratio. Well, when I started getting all these cards. You know, I quickly ended up with 50 to $60,000 of available credit, and if I was paying it off every single month, my utilization ratio was like off the charts.

So that's a big part of your credit score. So quickly my credit score went from like, I. Maybe upper six hundreds, low seven hundreds to well over 800 in the course of about a year. And I actually thought it would go down, but I wasn't like looking to buy a house or any, anything like that anytime soon.

But the opposite actually happened. So this is actually, I. Funny enough, one of the better ways to improve your credit score, which is ironic, considering you, you would think that it's the opposite and it, it does go down for, for a period of time, maybe a month or two, and then it just shoots up as your, your credit utilization ratio, um, expand.

So much. So anyway, something to keep in mind because this will actually improve your lend ability. This will allow you to get. Loans for the lowest rates possible, um, and makes you very, very lendable if you have any sort of personal or business loan that you might ever want to take out, whether that's to buy a car house or to expand as a, as a, uh, as a business, business cards are another way you can earn.

These are really powerful because they typically have bonus categories, which I'll get into, which can really accumulate these a lot. And can make, make a meaningful difference for stuff you're gonna pay for anyway. Um, and then you have signup bonuses. And again, signup bonuses are typically tied to you spending money, but one of the things you can do is you can get signup bonuses and you can sort of do this over the year and plan out which cards you want and which miles you're trying to accumulate.

And, and you can get very complex with this, right? Like, I'm not gonna get. Too complex with this because what I want to do is show you a strategy that a business owner can do that doesn't want this to turn into a part-time job. Um, you know, to where you can really like, build up a decent amount of, um, credit card points and you can use for cool stuff like travel and, uh, and not have to have, you know, three spreadsheets tracking everything, which, if you wanna go down the rabbit hole of that, there's plenty of resources on it.

Go for it. Uh, but it's not something that I have the time to do. Many of you probably don't either. So I'm gonna try to keep this pretty simple for an actionable strategy of what you can actually do. So again, there's bonus categories and these are ongoing and these are really cool. So, um, okay. Let's get into two, two cards that, um, that I really like.

And I'm gonna say, you know, from a standpoint of which cards are kinda the best from what I've seen for, uh, personal and business, I think Chase is, uh, is the best option. And there's two cards. So this one right here, this is the, uh, chase ink. Preferred card. Okay, so a Chase Inc. Preferred card. The reason that I like this, and if you see here, right, you have a $90,000 bonus that's tied to $8,000 in purchases in the first three months, which can can be a lot, right?

So if you are, if you're like, man, how am I gonna spend $8,000 in three months? Well, you can do that. With things that you're gonna have to purchase in the business anyway. Right. So like, let's say that you're sending people on ConEd courses, uh, you're buying some new equipment, uh, maybe you're, you're paying for some sort of consulting, like people do this with PT Biz all the time.

When they work with us, they'll, they'll pay for, you know, the work that we do with them on a credit card and they. They rack up miles, uh, and they can pay for bonuses like that. It could be any number of things that you're gonna do for the business, but you can time it around when you're gonna be spending a decent amount of money on something anyway, right?

So let's say you're gonna add some new equipment to the business and you're gonna, uh, you know, whatever, send somebody on, uh, to, to a course. You put all that on your, on your card, and within a couple months with just regular spend as well. All your utilities, you know, gas for your vehicle, all these things, it can add up pretty quickly.

So, but this is where the credit card companies, um, it's almost like how they get people. So you know what they, what they do is it's like, yeah, we'll give you this if you do this. So if you don't spend $8,000 in this three month period. You don't get the bonus, right? So you gotta make sure that you have the money to be able to do that.

Now, one other thing you can do as well, and I'm not gonna link to this directly, you can go to the IRS side to this. So if you have, um, if you have quarterly taxes that you're gonna pay, you can actually pay your quarterly taxes with your business card, and I think it's like a 1.75% fee. But if you do the math on it.

It's a really small amount of a fee for accumulation of like 90,000 points. I'll show you what you can use that for. So even like worst case scenario, if you want to, you know, hit the bonus, uh, category and, and get the, get the introductory bonus, you could actually pay your taxes for that. And if you go to the IRS website, they actually have two companies that they work with directly, that they link to that are, uh, that, that are.

You know, they're partners for paying taxes with a credit card. So you can actually get the bonus just by paying your taxes, which you're gonna have to do anyway. Right? So what's cool about this is also that the, you have these bonus categories. So you know, if you look at this, so these bonus categories, right?

So they have three x bonuses on shipping, purchases, advertising, internet, cable, phone services, and travel. Okay, this is why I like this card so much, and I'll, I'll show you an example of a couple other ones, but for a business owner, keep this in mind. Okay? So look, are you gonna pay for cable, internet, phone services To some degree, absolutely.

You're gonna do that every month, right? So you're gonna do that and. Whether you like it or not, you have to pay for it. It is just a matter of, you know, do you, do you actually, uh, put that on, you know, just like a debit card, or do you put it on a credit card and the credit card will get you bonuses? Right?

What about travel? What about if you're going out to, uh, a networking event? What if you're going to a continued education event? What if you're going to do some sort of like. Business slash personal event, and you're buying a flight, you get three times the points on that. And this is how it starts to add up really quickly for businesses.

And it's, it's a really, really cool advantage that these business cards have, um, because you're doing this stuff and it's a write off for the business, right? So you're doing these things anyway that are gonna be expenses for the business, and now you get bonus categories for 'em. And the one that I like the most is advertising.

This is meta ads, Google ads, you know, whatever type of, uh, you know, digital ads you're, you're gonna do. The ad spend that you use on these cards has a three x bonus for every dollar you spend. Let's say that you spend a thousand dollars, I. On ads a month, which it for, for a very new business, that might be a lot for a business that is, uh, you know, a, a mid-size clinic, a small to mid-size clinic.

That might be what they're spending. I know clinics that are spending three, $4,000 a month on, on ads. So let's, let's say you're spending $3,000 a month on ads and you're getting a three x bonus on that, that means you're gonna get 9,000 points. A month just for running ads, right? That you're gonna do anyway for your business.

This is why they can accumulate so fast and why I like these cards so much because they're really flexible. Um, they have great bonuses and the fee is really low. So if, if we look at this. The actual, the fee on this card is $95, right? So the annual fee is $95 a year, which is nothing compared to the, the amount of, uh, you know, rewards value you're gonna get back for this card.

I've had this one card now for, I. Uh, as long as I, I can remember 10 years, maybe, something like that, because this is a card that I've used so much. And we do a lot of advertising. We do a lot of travel for our business. You know, we, we obviously have, you know, internet stuff, all kinds of stuff that we have to pay for anyway.

Um, so this is why I really, really like this card. This is probably my favorite card for, uh, for a business owner. So, uh, the next one that, that I would say is, um, there's the, the Amex Gold, uh, card, which. Amex points, chase points is what you're gonna accumulate, and I'll show you how you can use those. And people can kind of have their own bias depending on where you live, uh, what airports you're around that are maybe hubs for certain, um, you know, for, for, for certain types of airlines, for certain airline brands, and, uh, and what you're, what you're spending money on.

So the cool thing with this one is. You actually get a higher bonus category, um, for advertising. So you actually get four points, uh, per dollar that you spend instead of three. It's not that meaningful of a difference to me, to be honest with you because the other thing that's different about this card is the annual fee on this one is actually pretty high.

It's $375 versus $95. Um, when it comes to the, the Chase card, uh, and. The other thing, and, and I'll say for both these cards, one of the cool benefits is actually insurance. Um, especially insurance on rental cars. And I had a direct experience with this. Not one that I want was looking for, but we took, uh, a trip to, uh, salt Lake City.

And I'm actually gonna go over this example of how we use points to do it in a second. But, uh, my family took a trip to go out there on a snowboard trip. I rented a car, I used my, uh, my business card. 'cause we were out there doing some client work, uh, as well. So it was basically book ended. Go see a client, spend a couple days in the middle, uh, some client work and, uh, our CPA group is out there as well.

So we, we, we were there for a couple different reasons, but I used my business card, uh, to rent the car and while we were parked. At the, uh, the place that we were staying. Um, somebody hit our car, our rental car just like, basically probably just like hit it, pulling into the parking spot next to us, but totally dinged the driver's side door up.

Um, and. With these cards, you have auto protection, uh, insurance built in, so you don't actually have to use the rental car's. Uh, auto insur, uh, auto insurance. And what's cool about this is, is even better. All I had to do was basically call the, uh, the, the chase number for their. Auto claims, I submitted a claim and they paid everything a hundred percent.

Uh, and I don't know how much it would've cost for this, for this, uh, you know, vehicle to get fixed, but it would've been a decent amount and I still would've had a deductible if I would've gone through the auto insurance for the rental agency. This had zero deductible, so I. It saved me probably, I don't know, at least a thousand dollars in a deductible that I would've paid if I would've go, gone through the insurance in the, uh, from, from the auto, uh, agency that was renting the car.

Instead, I used Chase, and Chase paid the whole thing off. So really, really cool benefit as well. Hopefully you never have to use it. I didn't think that I would, but somebody hit my car in the middle of the night. And Chase paid for it. So keep that in mind as well. And I, and Amex has something very similar.

So both of these have, um, benefits, but, um, and, and, and you could, you could get a combination of both. It depends what you're looking to do. But for me, I think the Chase card, for most people, uh, most, most clinic owners, this is gonna be ideal for you because of the type of activities that we're doing and the annual fee's really low, right?

So, um. If you look at the personal side, so let's, let's, let's talk about that for a second. You can get these exact same cards usually on the personal side. It's funny, this annual fee for the personal card here is, uh, it's 70 or 70 bucks less. 50 bucks less. So it's 3 25 versus 3 75. I don't know why. Um, 'cause basically the same card.

And the only difference is if you look at these, uh, bonus categories, right? So they've got four x on eating out at restaurants, four x on groceries, and three x on flights like that can actually add up really fast if you look at like, the amount of money you spend on groceries. Just insane sometimes if you, uh, if you think about it, uh, if, especially if you have a family with like kids, it's, it's crazy.

Uh, so anyway, this is where you can get some big bonus categories here. As well, which is pretty awesome. So another personal card which would be, uh, the Chase Sapphire personal card. This is another one that's really good because if you can get a personal card and you can get a business card, um. You can accumulate points really fast, right?

So when we look at Chase Sapphire, what's cool about this, again, annual fee is low and they have a really good, um, bonus. Now, this is a personal card, so you're gonna have to meet this minimum, which is $5,000, uh, in the first three months Now. For you. Again, if you can time this around stuff you're gonna be paying for anyway.

Let's say you're going on a personal vacation and you have flights to pay for, you have a hotel to pay for something like that. You know, let, let's say you have some like, uh, big furniture purchase or something at your house that you're, you're wanting to do some upgrade or something like that. This is where you can time this around that and accumulate this a hundred thousand dollars bonus, which is pretty significant.

So if you think about it, if you do, let's say you get a chase. Ink card. Okay. And you're getting $90,000 bonus. All right, so you do this on the, on the business side, $90,000. Let's say you do the personal side, you get a hundred thousand dollars over here, or a hundred, a hundred thousand points, not dollars.

A hundred thousand points, 90,000 points. And let's say you sprinkle in some extra, you know, whatever. Just stuff that your business is paying for. Easily within, you know, a couple months, you're at 200,000 Chase points, which is a lot. And you can do a lot with that, which I'll show you. You can do the same thing with the, the Amex side, uh, as well, but the accumulation of those points over the time that you're using them, let's just say that you put all your personal expenses that you can on a Chase Sapphire card and you put all your business expenses on a Chase Ink card, the business card, by the end of that year, that first year with the bonuses, you could easily have added another a hundred thousand points.

On top of the bonuses you have, you could look be looking at, you know, 200 to 400,000 chase points by the end of one year. So pretty significant for something you're gonna be spending money on anyway, right? If you're gonna go buy groceries, you might as well buy groceries with a card that's gonna give you bonus points.

You might as well, if you're gonna go to a restaurant, you might as well use a card that's gonna give you bonus points, right? Like these are like. Basic things, as long as you're paying it off, that's the key. As long as you're paying that card off, that is all that really matters. Like, other than that, it's, it's it, the only way you can lose is if you don't pay your card off, right?

Like that is, that is the easiest way to. To not wanna do this. Like this is a terrible idea. If you're not gonna pay your card off, you're just gonna accumulate so much, uh, in interest fees that it's just gonna completely negate and probably put you in the negative as far as using this. But if you can just be, you know, realistically responsible with this and pay your card off every single month, especially on the business side, like it makes such a big difference.

And then you can use these points to go and do some really cool stuff. Alright, so, um, let's talk about how to use these. So we talked about. Why I like these, how to, uh, like, or which cards to, to get. So whether it's you're, you're gonna have the Chase Sapphire card and the, uh, the ink card, or you're gonna get a personal and a business variation of an Amex card.

I think it's best to actually stick to one, honestly. 'cause you're gonna accumulate more in that, in that one, um, because, uh, group, whether it's Chase points or Amex points, um, so up to you. For me, I mostly do Chase, uh, chase is the one that I've used forever. Um, I like the, I like the partners I can transfer to more.

And, uh, it just fits like our, our, uh, our, our business and our life a little bit better. And I like that the fees are lower. So anyway, those are the ones that I recommend. Now let's talk about how to use these, 'cause this is the fun part, like just accumulating credit card points. Not fun, uh, per se, but. It is fun to use them.

And when we look at the best way to use these, there's a lot of different options. Um, some people will just get cash back. I don't like that as much 'cause I don't think you get that great of a, uh, of a reimbursement. You're usually gonna get 1 cent per point. Right? So that's not gonna, not gonna be a, a, a great reimbursement.

A lot of these you can get. You know, anywhere between one and a half and maybe 4 cents per point for using it, uh, towards maybe a hotel or, uh, or a flight. And also it's just way better. Are you kidding me? Wouldn't you rather like go on an awesome trip with your family than just get some cash back from, uh, from a credit card?

Like that's not as fun to me. So I like to use them through transfer partners if possible. Okay. So this is gonna be the best reimbursement you're gonna get for these cards is if you transfer directly. To an actual, uh, an actual partner. So if you look at this, there's a few partners that are really good actually, and you'll also get bonus miles sometimes.

So here's a good example. So right now Flying Blue, which is Air France, K-L-M-K-L-M is like, uh, the um. Uh, Netherlands, uh, airline. So they fly in and outta Amsterdam a lot and flying Blue Air France. So that's Air France. Uh, they primarily obviously fly to and from France, but they have a lot of hubs, uh, especially on the east coast in the United States, and they actually are.

Like a significant percentage of Air France is owned by Delta. So oftentimes you can actually book Delta flights even, uh, through, uh, through Air France. So it's a, it's a pretty good transfer partner, but right now they're doing a 25% bonus, uh, transfer. So let's say you transfer, you know, a thousand points, that's gonna be 1,250 points instead of 1000 points, which is actually a significant difference, uh, if you're going to use that.

Um, you know, partner to book a flight, which I'll show you one that you can book, uh, that I actually have booked for my own family, um, out of Atlanta to, to fly into, uh, France. So, uh, the other one that I really like a lot. So, so I like, I like, uh, flying blue and I like United. Southwest is pretty good too.

If you wanna fly. Um. Uh, regionally, Southwest can be a pretty good reimbursement, very easy to use. United is a really good one to fly, uh, you know, locally as well. And they have some really good international options, great transfer, uh, you know, points. And, uh, and then Hyatt, as far as hotels go, is my favorite.

This is actually, maybe my favorite way to use the points is to use 'em at Hyatt Hotels, which there's a whole bunch of different Hyatt hotels that you can, uh, you can use to book these. It just depends what you're trying to do and if flights are more important to you or where you're staying. Uh, but these are the two most expensive things whenever you fly places.

So if we're gonna fly somewhere like this summer, we're flying to Germany, uh, and go figure, I booked all the flights, uh, through points, not just for myself, but for also family members, which caveat real quick. One of my favorite ways to use points is not for myself. It's literally for me to be able to fly my family members, set my family's up, members up in awesome hotels in places that they probably couldn't afford.

To, uh, to, to fly maybe their self or it be like challenging for them to, to do and for me to use points to be able to, uh, you know, bring them with us when we're going different places. And, and to be able to share that experience is so freaking cool. It's the best. And, you know, that like, that's, that is, uh, something to keep in mind.

Like, what do you value, right? Like, one of the reasons that I like. Doing this with our business and personally is because I've now had quite a few trips with family and friends that I was able to just be like, dude, don't even worry about it. I got all these points. And it, it's sometimes if you say you're gonna pay for something for family, um, they might not want you to do that, or they might feel weird about that, but for some reason, just because it's points, it's not real money, I guess.

Uh, people are all about it. They're like, oh shit, he's got a bunch of points. Let's go. Right? Like, I've taken my family on. Tons of trips and I continue to do so using points because it's just such a cool way for me to share experiences around the world and all around the US and stuff with my friends and family who may not actually be able to afford to travel like that.

'cause it is very expensive. Like travel's a very expensive thing. And it's actually frustrating because I feel like travel is one of the greatest. Ways of educating yourself about the world and how other people do things. And anybody that I've ever met that's traveled a decent amount and actually experienced other cultures, they're, they're just like, they, they're, they're more well-rounded.

They have respect for the fact that other people might not do things the way that we do things. And that's okay. And sometimes there's like better ways of doing stuff or ways that we do things that we appreciate more. Um. But you don't get that perspective if you never see it, you know? Uh, and that's what I like so much about travel, and especially being to expose friends, family, and stuff like that, to, uh, to, to be able to travel with us without them feeling.

The financial burden of like having to, to, to try to, uh, you know, afford that. And sometimes it can be very expensive. So, you know, when we look at this, like, these are the, the categories, the partners that I like to use a lot because they're for where I live, you know, in the Atlanta area, uh, it, it's. It's a, it's a good reimbursement for me because of the airlines that fly outta here and the, the, um, the partners that are, that are associated with those.

So, Delta's a big one here. Air France has a big one here. Southwest, easily I can get in and out with that. United is a little bit trickier, but they have, they have some pretty decent stuff if I'm flying, like, you know, around the East coast or up into the Midwest. So it just kinda depends on where you're going.

And I'll show you some examples of this stuff, but you always wanna make sure you book on partner airlines. So here's, here's a really important key. I do not. Like you can book through Chase or Amex and they have their own travel website. Here's the problem with that. If you do that, a, the, the typically the points reimbursement is not as good.

If anything happens, you have to deal with the credit card company and then they deal with the airline. You can't call the airline, you can't call the hotel. This happened recently, whenever I was on a trip in January, we had some bad weather. We needed to move our flights around. One of our, uh, partners had booked his flight through.

The, I think it was Chase or Amex, um, portal. And it took him forever to get this thing changed. And he lucky, he was lucky that he did because he had to actually deal with the credit card company and then they had to deal with the airline and it was back and forth and it took forever. It was a huge mess.

Versus for me, I. I just call the airline and we're good. Right? Or you call the hotel you booked with and you're good. So it's, it's, it's a better way to go. So I recommend don't go through the actual bank, uh, or the, uh, the, the card website, but actually go to the partners. So what you have to do is you actually have to transfer points here.

So all you have to do is set up an account with each of them. Right. So you're gonna have to set up an account with Hyatt, if that's what you wanna use. Set up an account with, um, you know, air France with Flying Blue, with Southwest, whatever it is you wanna do. And all you have to do is just basically set up a frequent flyer or a frequent stay like hotel, um, uh, account with them.

It doesn't cost any money. I. But it's what they use to track whether you're at the hotel or not, right? So like a frequent flyer number on a airline. That's what you need in order to book flights with that partner. So it doesn't take any time. It's easy, you just transfer directly to your account and then it shows up and then you can use it to book flights.

So I'm gonna show you a couple examples of what you can do with these. Okay. So remember we use the example of, let's say you, let's say you just get bonus categories and uh, just use it for just sort of general business stuff. Let's just say you have the first year, so let's say you get a hundred thousand points for a personal card.

I'm just gonna assume this is just you. Let's say you get a hundred thousand points for a, uh, personal card, a hundred thousand points for a business card, and then over the course of that year. Between personal and business spend. Let's say you accumulate another 50,000 points, right? So you're sitting at 250,000 points that you have to be able to do whatever it's that you want.

Uh, you know, as far as travel is concerned, which I recommend you use it for that. So let's say you want to go on a snowboard trip, uh, in January from Atlanta to Salt Lake City. Okay? So I pulled up two examples. Uh, so this would be. Leaving Thursday, Jan, January 8th, 2026. So next year and coming back on, let's call it Sunday or Monday of, of that, uh, of that following week.

So you're, you're there for a few days, whatever, kind of a quick snowboard trip, but just as an example of getting out there. So if we look at United, let's say you wanna fly from, let's say you're in DC So this is at a Dulles. So if you're out of DC and you wanna fly. Out to Salt Lake City, it's gonna cost you 15,000 points.

That's one direction. So getting back's another 15 usually, uh, it depends on the day, but let's say 15 each direction. Plus you're gonna have a $5 and 60 cent fee for whatever. I'm not sure what that's for, uh, but let's call it 30,000 points. So one round trip flight from. DC to Salt Lake and back. And this is a direct flight, by the way, so that's a pretty convenient flight that's gonna cost you 30,000 points.

Okay, so let's just, let's just put this down here. We'll keep track of this. All right, so you got 30 K points here. If you want to go with Delta, let's say you're flying from Atlanta to Salt Lake City. This is actually gonna be a little bit more expensive. This is gonna be 34,000 points. And the way Delta does it is that's basically showing you round trip, uh, for the most part.

So this is gonna be 34,000 points, 35,000 points. So let's just call it around 30,000 points. Okay? So the flight's gonna cost you 30,000 points. Um, and the, you can look at these from any number of, you know, other whatever, uh, starting places that you want. If you're around a bigger airport, it's gonna be easier obviously than if you're.

In like a small airport. So, you know, you might want to like drive to a bigger airport if you're gonna do something like this. 'cause you should be able to get better points. Reimbursement if you're gonna fly, uh, versus trying to fly at a really small airport might be harder. So let's just say 30,000 points for, for this.

If you wanna bring two, you know, you and a spouse, right? So, okay. Times two equals, let's call it 60 K. All right, so 60 K points. Uh, you can also look up what these flights would cost, right? So if you look at these flights during what is snowboard season, they'll be pretty expensive. And I'll show you an example of another flight where I actually pulled the number.

So let's just call it 60,000 points. Now, let's say that you want to stay at a hotel. So these are two pretty cool hotels. Um, one of these, this is in Park City. Uh, so this is Deer Valley. Uh, so this one is 20,000 or 29,000 points per night. And if you look at what it actually would cost, so if you look at this, it would be $622, not including any fees, right?

So that's taxes and fees and all this other stuff. If you add a tax and fees into this, it's probably gonna be closer to like. 700 bucks a night. Uh, so if you look at the points reimbursement for this, it's really good. I mean, you're getting close to like two, two and a half uh, cents per point that you actually are using.

So the way you look at that is if it's costing me 29,000 points, and let's say it's, let's just say it's 6, 620 $2, like it's showing right here, so this is what it would cost you, then you're getting a little over 2 cents per point. Right? Which is really awesome, uh, considering. You know, if you just got cash back, you get 1 cent per point.

Now if I look at another hotel, which this one, this would be like staying like on the mountain, uh, I believe is where this hotel is probably within walking distance, if not to a gondola. If you wanted to stay somewhere that is not as many points, which is, you know, totally fair because you don't have to go very far.

This hotel, I've actually, I know exactly where this one is. We stayed right next to it. This is in Park City and it's. Easily drivable to Park City or to Canyons, I think is the name of the other, uh, mountain. And you can get out there. And again, this is during a busy season, right? So this would be 18,000 points or $439,000.

So again, so this would be 18,000 points or $439,000. So let's say that you're gonna do this and you have, let's say if you come in Thursday, Friday, Saturday, leave Sunday. So you got 18,000 times three points. That's gonna be 54,000 points. For you to stay three nights at this hotel. So let's say you pick this one.

So now if we take our 60 for the flights, which are up here, right? So if we take these 60 and these 54, this puts us at 104,000 points. If you and a significant other or a friend wanna fly out to Salt Lake City, stay right by. Two mountains that you could go ski or snowboard. You gotta obviously listen, you gotta get like all the other shit, uh, whether you have a pass or you have to rent gear, whatever.

It's actually like insane. How expensive the hobby of ski and snowboarding is it to get started. I guess it's like golf, uh, you know, you gotta get all the equipment and stuff, but just to get there and to stay there, this is going to cost you 104,000 points, which could come from the bonus of one. Card, keep that in mind.

One card. And now you got a snowboard trip. That's pretty much, probably like half of the cost at least is gonna be paid for, uh, depending on what passes look like or if you already have a pass and gear. If you already have this stuff, it could be really cheap. You're basically paying for food. Uh, and that's, that's pretty much it.

Maybe a rental car. Because this isn't that close to, uh, the airport, you'd have to drive probably 45 minutes to an hour, uh, to get to, uh, to hear from Salt Lake City. So, but a vast majority of your trip is, is paid for, and that's for two people to go out and actually do that. So, really cool trip. Fairly easy one to set up as well, um, from multiple different areas that you could fly in.

Uh, I showed, uh, the DC area, I showed Atlanta, but you could see many different, uh, examples. And if you're even closer, let's say you're on the West Coast, it would actually cost you even fewer points because. The flights are gonna be cheaper at shorter distances, so they're not gonna be as expensive. So a hundred thousand points roughly for two people to go on a snowboard trip to Park City.

Um, you know, and, and a big chunk of the travel cost of that paid for. Pretty awesome. Something I would really like to do, something I have done with my family. It was fantastic. And you're creating these memory dividends, like, keep this in mind when you do things like this, you're creating these cool memories with friends and family.

That if you're taking pictures and you see those again, like you're gonna remember all of the, the cool experiences you had, the fun things. Sometimes the not so fun things are actually more memorable as well. Like my car getting hit, it was not fun at the time, but we kinda laugh about it now. Uh, but you know, like these are things that I think are worth.

Uh, really putting the effort in to try to do with your friends and family because it, it's so impactful not just in your life, but in the, the lives of the other people that you're, you're around and you have a really cool opportunity to accumulate these points and share that with folks. So let's look at an example of an international flight.

I. Because this is like, so cost prohibitive. I mean, Jesus, dude, if you want to go to, if you wanna fly to like Europe or something like that, it can be so expensive. Um, and again, this depends on where you're at, what hub you're, you're at, you know, different airlines. And this can feel daunting. And obviously I'm scratching the surface on some of this, but I'm just trying to give you some examples of how this can, uh, be a beneficial way of, uh, of using these points that you're gonna accumulate any way through the business.

But I'm gonna show you an example of, of flying, uh, to and from Paris. So this is from Atlanta to Paris. And um, and this is something I've actually, I've actually done, uh, for, for, um, for my wife's birthday last year. I sent her and her two sister-in-laws to Paris for, to go to like Christmas markets over there.

Um, I. I just to have an awesome time for, for a few days with her and her two sister-in-laws, and they, and they had a great time and I paid for it with points. And, and again, I like, this is like my favorite thing to do for friends and family because it's like such a cool thing to do for them. They may again, like not have the resources to do it.

It it, it also, it's just like I take it off their plate. It's like, I got it. I'll book it. I got you guys and then I send 'em there and they get to have an awesome time. So for, for you, you can kind of think about the same thing is like, where would you like to go and then where does that fit with being able to use points to get you there?

That way you're not spending your money on it 'cause it can be very, very expensive. Um, and, uh, this is a really cool way to be able to travel without the, the massive expense. So this is an example of flying Air France, and again, you kind of, you can kind of see here. So like I mentioned, air France and Delta are, uh, partners.

So. Right here, Delta. This is actually a Delta flight, and if you look at this Delta flight, this Delta flight's actually 29,000 points. And then this Air France flight, which I mean they leave and get in it almost exactly the same time. They're the same duration of time. One leaves at, what is that? Uh, 3 45 gets in at 6 15, 1 leaves at four 30 and gets in at seven.

It's basically the same flight, right? Um, but one of these is 29,000 points. The Delta one, the Air France one 18,750. Points, it's like significantly less. Right? So, and the other thing that you have is, um, you have a fee and flying in and out of Europe. They will charge you like more fuel fees, surcharge fees and stuff like that.

Some reasons, one of the reasons why it is so expensive to fly in and out of certain countries, but this is 18,750 points plus $165. Okay? So sometimes you don't get that on the way back. Sometimes you do. It depends where you're flying in and out of, but on the way back. We can fly back. This is au by the way, August 15th.

August 22nd of this year. So just as an example, this is a really popular time to travel to August for, for, uh, travel to Europe is, is a very busy month. So this is a really good, uh, points reimbursement for what this flight would cost. So if on the way back again, it's gonna be 18,000. 750 points. So 18,750 points plus it looks like another six $165.

So let's just call it, you know, 300 and some change. So maybe 320 bucks, uh, total plus is gonna cost you, you know, roughly 30. What is that? 37,000 points, um, around around 37,000 points and about 300 bucks. So for a flight that you're probably looking at, it would cost you around, uh, a thousand dollars at least, to fly there and back.

And again, this is a direct flight on two pretty good airlines. So this is a really cool way to use that because now you could say, okay, well if I have a hundred thousand points, that's 37,000 points to fly to or to fly one person. So if there's two of you, it's gonna be 70 4K in points. So 74,000 points to fly.

Two people direct. From Atlanta to Paris and back during a very busy month, a very expensive month to fly there. And again, this is the coolest part about all this is like you can use these points, you're gonna accumulate because you're spending money on ads, you're spending money on travel for business, you're spending money on groceries for yourself and your family.

And all of a sudden you look up and you're like, oh my God, I have hundreds of thousands of points. How did that happen? And it's because you're just using cards for things you're gonna buy anyway, and you get these cool bonus categories. So it is very possible to generate, you know. Hundreds of thousands of points in a relatively short period of time and be able to do really, really cool trips.

And you can use Hyatt points or Chase points to book Hyatt Hotels. All over Europe. You can look at their, their website and see all the places they have, uh, they have hotels. There's a lot. Uh, and it just depends where you're trying to go, right? So like, be creative. Where do you wanna go? Where do you wanna take family?

Where do you, where have you been that you wanna experience? Like what, what is a place that you'd like to visit, uh, or where does your family live that you can now use this to fly back and forth and, and save on? Expenses you're gonna have anyway because these points are accumulating through your business and personal cards.

So this is just an example for 74,000 points, you can get two people round trip to and from Paris during a busy season. Uh, and you still have, you know, all these other points left over you could use for hotels if you wanna do that. If you wanna stay in Airbnb. I prefer to do that, honestly, like if I'm gonna go and stay, uh, somewhere for more than a few days, I'd rather stay in an Airbnb.

It's more comfortable for me. I can like go to the grocery store, get food. I like that I get kind of like, feels a little bit more, uh, like I'm just kind of experiencing the culture more than staying in a hotel. But sometimes if you have a short flight, um, or if you wanna be close to someplace like the mountain, like in Salt Lake City Hotel makes a ton of sense, way more sense, uh, than trying to book an Airbnb, which could be so expensive in a lot of places.

So this is a really cool example. I have an international option. Alright, so if we look at the, um, the summary of this, all right, because this can feel like a lot, but I'm telling you it's not, you're paying for stuff anyway. You might as well put it on a business card. You're paying for stuff personally, you might as well put it on a personal card.

And the byproduct of this is, you know, you're gonna get these points for things you're gonna pay for anyway. It's, they're just gonna accumulate 'cause you're gonna pay for 'em anyway. So it's not like you're like spending money on these and for minimal fees on some of these cars, $95 a year for these, uh, for these two cards.

Just the, just the freaking auto insurance. A alone on rental cars. I mean, that, that saved me, like, that was like 10 years worth of me paying the fee on the car, on the card to have that insurance. That's just a part of the card as a benefit. Uh, you're gonna have to pay these cards off though. So what are the drawbacks?

The only time I've seen people get really, uh, screwed up with this is when they don't pay the dang card off. Okay. So they don't pay the card off, and they get themself into really big trouble. Uh, because the fees on these, the, the percentage of, you know, uh, of interest rates, it's like 28% and. And the late fees are, are, I think it's like 35 bucks per late fee.

So all of a sudden you start having late fees and you have compounding interest the wrong direction, and you are just like in a bad spot. So the only way I recommend somebody do this is if you are disciplined enough to pay your card off every single month. If you're not gonna do it, please don't do this.

Okay. This is a great way to put yourself into debt. If you are disciplined enough to just pay your card off, which, especially the business, you should be paying that shit off every single month. Please like that. Unless you're going through some crazy growth cycle and you have cashflow management issues for a short period of time, I get it.

But like you should be paying that thing off every single month personally as well. I. That's the most important thing. And then the, the, the best way to use these is travel partners. Please don't book. Please, please don't get cash back. It's not worth it. You can get cash back cards. That'll literally give you more percent than, uh, the, the cards that I recommended.

If you wanna go that route, then just get a card that's gonna be straight cash back. Uh, also don't, um. Don't book through their travel portals, through the actual cards. Don't go to Chase, don't go to Amex and book, you know, your flight, your hotel, whatever it is the most inefficient way to do it. And if you ever have to make a change, it's a freaking nightmare.

Like, I've had to do this. It sucked. I've had friends that have done the same thing. It sucks. You're much better off just transferring those points directly to the, uh, the hotel. And that's it. And then you don't have to deal with one person. You deal with the hotel, you deal with the airline directly. You don't have to deal with the credit card company.

And then they're intermediately, they're the intermediate, you know, or intermediary for the, the whatever group that you're trying to work with, whether it's an airline or it's a, uh, a hotel. Don't do, don't do it. Just book directly through the partners by transferring directly to them. And then the last thing, man, have fricking fun.

Like, running a business is hard. Okay. If anybody tells you this shit is easy, they're lying to you, they're probably trying to sell you some bullshit. It is not easy. It's not for everybody. Not everybody should do it. And there's people that are gonna fail at this, uh, because it's challenging and it just wears you down.

Okay. The like silver lining to this, obviously there's a lot of benefits to a business time, financial freedom, impact, doing things the way that, that, uh, you want. Being able to be creative, all that. There's negatives too. It's freaking hard, it's stressful. Uh, you can. You can fail, you can go bankrupt. Like it could not work out.

These things happen, but one of the coolest byproducts of this is that you get to accumulate credit card points, which allow you to travel around the country, around the world for free. Think about that for a second. How awesome is that? And you know what? You probably see people sometimes, you're probably on Instagram.

You're like, how does this person. How does this person always, like, how are they able to go to wherever, right? Like, how are they in fricking Italy again? What's going on? I bet you they're probably doing something like this, right? And, and or. They inherited money. Who knows? Uh, but travel's expensive. You know, even for people that make a lot of money, it's super expensive and it's such a great way for you to not to pay for the most expensive parts of travel, which are flying there and staying there, right?

In a, in a hotel, uh. And it's awesome. And there's some really cool hotels and really cool places that you could just go for a weekend with your, with your, uh, your spouse, your friend, your brother, your sister, whatever, and experience the world with them without them having to pay for it. And there's no stigma around it.

I mean, it's just literally like a little byproduct. You can just tell 'em like, look, I'm not even paying for this. This is credit card points. Don't worry about it. Just come hang out. Let's have fun. And that is such a fun thing to do. It's one of the. It's one of the most rewarding things that I've gotten from a business, as odd as that might sound, credit card.

Using a credit card to gain points to then use, uh, on travel. Like you're, I don't know. It's kind of hard to grasp that sometimes, but think of it this way, I. I've taken more friends and family, uh, on trips that they have not had to pay for, haven't even to think about. Like, don't worry about it, man. I got it.

Just come, just, just be with us. Just have fun. And I tell you what, how about you can pay for dinner one night? We call it even, right? Like. That's it. That's all they gotta do. And they get to come and experience the world with you. Experience our country with you in such a unique way that isn't cost prohibitive to you or them.

That's a fucking win, huge win. And I'm telling you, if you do this the right way, you're not even gonna notice that. You're not even gonna feel like you have a, the pressure of like credit card debt or anything like that because you're just. You're just using it for expenses you're gonna have anyway, and you pay it off at the end of every week or every month, just like you would pay for anything if you're just running it through a card that allows you to accumulate this interesting byproduct of points that then you can use to travel and experience the world in a really cool, unique way.

So I highly recommend that everybody, uh, actually like use these. If you're not using these, apply for these cards. Do it at a time when you can. Uh, have like, uh, something to pay for. So whether it's personally you're doing something personally that's gonna cost some money, time it with that. So you get these, these minimum spends, uh, taken care of because this is what, what's tricky, this is how they probably win, to be honest with you.

You know, if you're like, oh, a hundred thousand points sounds cool, but I gotta spend $5,000 in three months. Well if, you know, you have these big purchases coming up, these big things you gotta pay for, uh, then cool. Y that's all you gotta do is just line it up with that. You hit the minimum and then you're off the races.

You start getting these different categories. And if you look at, you know, the business side, it's just what are you gonna buy on the business side that aligns with this? The business ones are usually, um, they're, they're a higher amount of the minimum, uh, to get the bonus. But we have a lot of expenses. So whether that's equipment or sending people on different, you know, to different courses or whatever things you're gonna do, consulting fees, things you're gonna add to reinvest in the business, get, you know, maybe website, build out something like that.

Like all these things you can. Pay for, and then you hit the minimum and you're good. So you just gotta be intelligent about when you're doing it. And you'll be able to get the minimums and then be able to use the, the card on a monthly basis for the categories you're gonna get bonus categories with, and quickly accumulate hundreds of thousands of points to literally travel around the country and the world without paying much money at all, which is pretty awesome unlock for anybody that is interested in traveling.

So I hope this helps you. I hope this is something that, you know, you, uh, you gained some value from. This is something that, um, I talk to people about all the time and I really haven't. Uh, put much out on that. 'cause there's a lot of resources out there. If you go on YouTube or just if you go on Google and just type in credit card points, I mean, there's so much out there it can actually be overwhelming.

So hopefully this just narrows it down for you. I think if you just get one personal card, one business card, and you just stick to that, you don't have to go crazy and get a dozen different cards like I did back in the day. That was very stressful. Um, you can just keep it real simple and you can still get the benefit of it.

So anyway, thanks so much for listening. Thanks for watching. Again, if you listen to this on the podcast and you feel kinda lost, go to the YouTube channel and, uh, make sure you watch the walkthrough. 'cause I actually, I'm recording this on my iPad so you can see exactly what I, uh, what I'm talking about with screenshots of different offers and different, uh, uh, hotels and flights that I actually picked out.

Uh, and then you probably get a better idea of what, what I'm talking about and how to use it. So. As always, thanks so much for listening. So thanks so much for watching, and I'll catch you on the next one.