(Transcribed by TurboScribe.ai. Go Unlimited to remove this message.) Welcome to the Business Credit and Financing Show.
Each week, we talk about the growth strategies
that matter most to entrepreneurs.
Listen in as we discuss the secrets to
getting credit and money to start and grow
your business.
And enjoy as we talk with seasoned business
owners, coaches, and industry leaders on a variety
of topics from advertising and marketing to the
nuts and bolts of running a highly successful
business.
And now, to introduce the host of our
show, financial expert and award-winning author, Ty
Crandall.
Hello, and thanks for joining us today.
I am really, really excited for today's interview
because, you know, we talk a lot about
business credit.
We talk a lot about the incentives that
business credit has and credit cards in general
and rewards points and so many benefits of
using credit cards for so many different reasons.
But this is the first time we've ever
had an expert on to really talk about
these incentives, to talk about rewards, to talk
about frequent fire mob, frequent fire rewards, amongst
so many other rewards you could get just
for using credit cards regularly.
And today, we've got like the guy, the
foremost expert on this topic.
With us today is Julian Keel.
Now, Julian is the CEO and founder of
TripSight Incorporated, an innovative company that is dedicated
to enhancing the travel experience through tools that
simplify the use of frequent fire rewards.
Recently, TripSight launched PointsPath, which is the first
browser extension that seamlessly integrates flight prices in
miles into Google flight search results, which is
super cool.
Empowering travelers to make informed decisions when to
best utilize their travel rewards.
Now, he has over 15 years of professional
experience studying credit cards and travel loyalty programs.
Julian has served as CNN's senior editor, covering
travel and credit cards and as the editorial
director to The Points Guy.
His expertise has also led him to consult
for some of the largest airlines in the
industry, further solidifying his reputation as a leading
authority in the field.
Julian first learned the intricacies of credit card
rewards and travel loyalty programs while flying more
than 200,000 miles a year as a
TV producer and director of World Wrestling Entertainment.
As a respected analyst, Julian has shared his
insights on national television segments for CNN, Bloomberg
News, CNBC, Squawk Box, Yahoo Finance, and Cheddar
TV.
He's also been featured on ABC and CBS
radio, and his expertise has been cited in
major publications, including the Washington Post, the Wall
Street Journal, and the Chicago Tribune.
Now, with his extensive experience and commitment to
helping others navigate the world of travel, Julian
Keel is poised to make a lasting impact
in the travel loyalty landscape.
Julian, man, you've done so much.
We could go on for hours.
Thanks for being here.
I mean, Ty, when you put it that
way, it does sound like a lot.
Yeah, thank you for having me.
I'm really thrilled to be here.
Well, it's interesting because a lot of guests
come across the show because we've been around
for a while and have a lot of
downloads, et cetera.
And when I saw yours, I'm like, I
don't get giddy often, right?
I get giddy because I talk about these
stuff with my loose level of knowledge all
the time, the importance of what you do,
but we've never had someone with your level
of knowledge.
I just can't tell you how excited I
am here for you to come and share
with us today.
Well, thank you.
Listen, I'm excited to talk about it.
I think there's so much opportunity out there
for people to really do something with their
rewards, be collecting them if they're not, especially
if they're a small business owner.
There's a whole ton to talk about.
So yeah, let's get rolling.
So let's talk about it from a business
owner's perspective.
I mean, our audience in large part are
entrepreneurs and we understand the value of credit
cards.
What we don't all understand is the intricacies
and depth of the other perks of those
credit cards other than helping us with cashflow.
So from your perspective, what are some of
the most overlooked benefits, perks, or incentives of
credit cards that most are not taking advantage
of?
Right, so the first thing I always tell
entrepreneurs and small business owners is, if you
are not earning some sort of a rewards
on your credit card spend, you should really
be taking a look at it.
Even if it's a simple cash back or
whatever it might be, there's something there that
you can be adding to your business and
making another piece of it.
Now, when it comes to travel rewards, if
you are a traveler or if you have
employees who travel and you want to use
a rewards for them, it can really be
lucrative to collect them on credit cards.
That is by far the biggest perk and
the most popular one.
There are other perks as well if you're
dedicated to a particular airline, getting free checked
bags, things like that, lounge access if you
want to be treated like a more of
an elite VIP.
And then there's lots of other insurance coverage.
A lot of people ask about travel insurance.
Some of the best travel insurance is available
on credit cards and it's free.
It's included in the price of the package.
So there's a lot of perks that we
can talk about it, but those are the
main ones that are sort of table stakes
that any business credit card that you're going
to go into from a major issuer, you're
probably going to have one or more of
those.
So if we look at travel incentives and
I travel a lot, I fly American Airlines
a lot, I stay in Marriott a lot.
So then for someone like me as a
common sense thing, what is the next step
to do?
Should I go get an American Airlines credit
card?
And then there's a lot of them to
choose from, so I don't even know which
one.
And then do I go get a Marriott
credit card?
A lot to choose from, which one?
What should someone like me do and how
do I know which are the best cards
that work the best for me?
Yep, that's a great question.
And it's really the first question everyone asks
is which card should I pick?
I always say my piece of advice is
start reverse engineer and start with, well, what
is it that I want?
What do I value?
Is it when I'm on American, I want
to be treated better or have to pay
fewer fees?
That may be the case if you're a
regular American flyer.
If you're not a regular American flyer or
you only go once, maybe twice a year,
maybe that's not the right choice.
When it comes to travel points broadly, oftentimes
the best first choice is what we call
a card that earns flexible points.
So in other words, if you get a
credit card that's an American Airlines credit card,
you're gonna be earning American Airlines miles, right?
And those miles aren't really gonna be usable
on any other airline other than American and
its partners.
But if you get a card that has
flexible points, and some examples of this would
be Chase's Ultimate Rewards credit cards, American Express's
Membership Rewards credit cards, all the major issuers
have a flexible points program.
Those are points that, one, you can use
just to book travel straight through on the
bank's website.
And in that case, you can book pretty
much any flight, any hotel you want with
your points.
Or each of those issuers has a set
list of airline and hotel partners that you
can then transfer your points to when you
need them, when you can find a better
deal on that airline itself using their points
or miles.
So as an example, Chase Ultimate Rewards has
as part of its partner list United Airlines.
If I wanna transfer 1,000 Chase points
to United, I could get 1,000 United
miles on the other end, and the transfer
is instant.
Now, knowing when to transfer and when to
book direct is a little bit of a
game, because you can maximize your value depending
on what's available, and that is where a
tool like PointsPath that we make comes into
play.
But the key is that those points can
be used, those flexible bank points can be
used much more broadly, and that is often
where I suggest people start when they're looking
for a business credit card.
So I'm looking at a Chase account that
has multiple airlines I fly with, that by
using that Chase card that I'm actually getting
points that I can apply to multiple different
airlines as an example is a good place
to start.
That's exactly right.
Now, the next question though that you asked
is if I'm looking at a Chase card,
right?
Okay, well, there's probably a dozen Chase cards,
at least three or four that are business
exclusive cards, so which do I choose?
And that's when you, again, you reverse engineer
it and say, well, what do I spend
the most money on?
What does my business expenses look like?
Do I have a lot of spend on
office supplies?
Do I have a lot of spend on
online marketing and advertising like Facebook spend, that
sort of thing?
Or do I not really have any one
category in particular, and I just want to
earn an overall good number of points for
every dollar I spend?
That's when then you would look at Chase's,
their business cards are called their ink line
of cards, I-N-K, and you'd say,
okay, for each of those situations, there's a
different ink card that would be appropriate.
So you need to do a little bit
of sitting down, figuring out what's your priority,
and then look at the options and find
the one that matches best.
Sure, so if I'm looking at a major
credit card, let's say I fly American a
lot, then in that case, and I'm like,
I know I want points in American, am
I better off to go towards an American
Airlines type of credit card, or go to
one that still gives me the flexibility?
Meaning, do I lose out on the flexibility
because I'm not really honing in on one
airline, and am I better to go get
a card that just focuses on that airline
versus the flexible points if I know I'm
gonna fly one particular airline?
So that's a great question because there's two
ways to look at it.
One is that the points themselves generally more
flexible is better.
So on that hand, I would say a
flexible card.
But if you really are tied to a
particular airline and you really are on it,
say once a month or once every couple
of months, a regular basis, then the money
you're gonna save with that airline's credit card
is probably going to outweigh any flexibility you
can get from a flexible points card.
Meaning, for instance, if you're on American once
a quarter, let's even say, and you're checking
a bag each way, the American card is
gonna waive that checked bag fee, assuming you
don't already have elite status with American, it's
gonna waive that checked bag fee.
And so that's gonna be saving 35 bucks
each direction on every trip.
The annual fee on that card is only
95 bucks or 99 bucks.
So you're in just the two trips gonna
make back the money you're paying for that
annual fee.
So in that case, it would be probably
wiser to get the airline's credit card.
Of course, the other thing to keep in
mind is there is no reason that you
only have to have one credit card for
your business.
There's no reason you couldn't have both an
American card and use it just for when
you're traveling on American.
You can literally even put it in a
drawer when you're not traveling and then have
that flexible credit card that you use for
your actual business purchases.
That's another strategy and a totally valid one.
Sure, and that makes a lot of sense.
And that's why you're saying you really need
to think about what you want from them.
Because it's American, I can get checked bags
for free.
I can get status.
They can automatically upgrade me to first class
or I could just get a bunch of
miles that I could use to buy travel.
So by knowing even within the airline, it's
not just that I fly American, I kind
of want to know what I want out
of that.
And then I can kind of gravitate towards
a car that gives me more of that
free upgrades to first class over things like
free checkbacks, for example.
That's exactly right.
And again, it doesn't have to be an
either or situation because there's nothing stopping you
from having both credit cards.
But it does come down to each one
of these cards do generally come with an
annual fee.
And you don't want to be paying an
annual fee if you're not getting value from
the card.
So for instance, if you were to get
American's high end card which gives you lounge
access, access to the Admirals Clubs whenever you're
traveling on American, that could be worth it.
But if you're only if you're using it
because that card runs five, $600 a year.
So you want to make sure you're actually
using that benefit otherwise you're kind of burning
that money for no reason.
That's really the one thing to keep in
mind if you're getting multiple cards.
And people sometimes say, well, if I get
multiple cards isn't that going to hurt my
credit?
No, not really.
Not one if you use them responsibly and
pay your balance in full every month which
your business certainly should be doing and avoiding
large high interest rates.
But also because you're not going to want
to have those annual fees taking over your
life.
And the credit scores will take a hit
very briefly when you get a new card,
just a few points for a few weeks
maybe a month or two.
And then we'll come right back to where
you started.
Frankly, more credit cards that are used responsibly
end up with a higher credit score in
the long run.
So it's not something to worry about as
long as you're using credit responsibly.
Sure.
Yeah, it makes sense.
I mean, utilization is like 30% of
the score well more than like inquiries at
10%.
So if you're, you know, coming in and
adding a bunch of available credit it's going
to help more than just having like one
little inquiry on there.
Will you talk about, I think this is
where it gets confusing for us as business
owners is that I do it all.
I travel on airlines.
I travel in hotels.
I buy office supplies.
I'm not as big in the fuel side.
So I don't care about incentives on fuel.
I don't care about incentives on groceries.
Like that stuff doesn't apply to me in
the business world.
So for somebody like me that I'm like,
wow, I mean I spend money in all
these different areas.
Then should I really be looking at something
that gives me cash back or points for
every dollar I spend?
Like what's the best way to go from
somebody that's using those cards for multiple different
reasons?
One of the ways that people do do
that is to have multiple cards and use
each one for the exact purpose that they
can maximize their points.
So in your case, if you had a
card that earned say five points per dollar
on office supplies and you had a lot
of office supplies you might get that card
and use it only for office supplies and
then have a different card that you'd use
for travel and a different card for all
other expenses, that sort of thing.
And that's something you can do.
Now you don't wanna get crazy with that
and have 20 different credit cards, of course
but it wouldn't be unusual to say, here
are three cards that I know what my
purposes are for.
And it's covering most of my expenses.
So I know I'm maximizing my rewards.
That's another way to do it.
A third way to do it is to
get a catch-all card that sort of
will give you the best of all as
good as you can get across all worlds
for a very simple flat rates.
For instance, the Chase Inc Unlimited earns 1
.5% cashback on everything you buy.
Now the secret of that card is that
if you have any other Chase card that
also earns travel points the cashback off that
Inc Unlimited can convert into travel points and
then you can use them as travel points.
So that effectively means you'd be earning 1
.5 points for every dollar you spend and
can use them for travel.
Again, you'd need to have two cards for
that but it's a good way to say,
okay, well, here's the card that I use
for travel and then here's the card I
use for everything else.
Those points will combine and I know I'll
be maximizing everything that I have.
That is yet another strategy that people take
when it comes to their small businesses.
I love the concept of what you did
for points, Pat.
Tell me more about how this works.
Yeah, absolutely.
So as you said at the beginning, I've
been doing this for a very long time.
I've worked at a lot of places writing
content trying to help people use their points
and miles.
And over those years, I always wanted there
to be a way that I could help
people do that without having to spend hours
reading all of this educational material on how
to use your points, how to best maximize
them.
A lot of people, when it comes down
to it say, I just don't have time
for that.
I just wanna know the answer, just give
me the answer.
So that's what Points Path is about.
It's about trying to give you the answer
as quickly as possible where you just do
your search, find the answer.
Should I use points?
Should I use miles on this flight?
How many points?
Great, done.
I know what I need to know and
I don't have to spend all my time
researching it and learning it.
The two things that people always have problems
with with their miles, the big frustrations with
frequent flyer programs is that one, they can
never find flights they actually wanna use their
miles on that don't require two stops or
an overnight or whatever it might be.
And two, even when they do, they can't
tell if they're getting a good deal or
not.
And that is another thing about miles.
Every airline's miles are worth a different amount.
So that's where Points Path takes all of
that out of your hands and does it
all for you.
And now a quick break to hear from
our sponsor.
Hey, it's Ty Crandall with Credit Suite.
Many of our subscribers wanna build business credit
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Now, if you're looking to get no doc,
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forward slash consult.
We know what each airline's miles are worth.
We know how to do the calculations.
We have live data showing you what the
points prices are all in one simple utility.
And by the way, it is free.
The basic product is free.
We have subscription tiers for more advanced features,
but the basic of what I just mentioned
is entirely free.
How do I get PointsPath?
Oh, yeah, it's real easy.
You can go to pointspath.com.
And from there, you can download the extension.
The extension is also available in the Google
Web Store.
Like all Chrome extensions, it goes through Google's
approval process whenever it's updated.
So you know that it's also secure and
your data is not going to be stolen
or anything like that.
But yeah, pointspath.com, all you gotta do
is download it from there and you're off
and run.
What are some credit cards that you think
are so much of a no-brainer that
like it's just crazy that we don't know
about them or don't have?
Yeah, we've talked already about it a little
bit.
The Chase Inc.
cards, and I'm not a show for Chase
or anything, I just do think they make
a really good product.
They have a great transfer program with airlines
like United, Southwest, foreign carriers like British Airways,
Air Canada.
They're transfer, you can transfer your points.
You also get good value for your points.
The Inc.
Preferred card in particular, for every point you
earn, if you wanna just book straight through
Chase, you'll get 1.25 cents per point
when you redeem them.
So you're getting a bonus on top of
a usual one cent per point.
It's just overall a pretty robust program.
Another one though I do like that's a
very simple, if you're looking for a little
bit of extra perks but wanna keep it
simple, is Capital One Venture X card.
It is a higher priced card, it's about
$400, but it does come with lounge access,
a priority pass lounge membership that gets you
lounge access across 1,300 or 1,400
airports around the world.
Capital One is also building their own lounges.
They have them open already in Dallas and
Denver and places like that.
And you get free access into those lounges
when you're traveling.
But the other thing about the card is
it earns two miles for every dollar you
spend on anything.
So it is a great set it and
forget it solution that you can then use
those miles to book travel.
You can even use Capital One miles to
redeem against travel that you book directly on
the credit card.
So you don't even have to book through
Capital One if you don't want.
And then Capital One has also its own
list of travel partners, airlines and hotels that
can be really lucrative as well.
So those are two business cards that are
I think very simple that also work though
for a lot of different businesses, for a
lot of different entrepreneurs that would be a
good place to start if you're looking to
dip your toe in the water.
The more than one time those credit cards
are getting you in trouble because they get
in those lounges, they get free beer, I
get free food.
They get all comfy.
And then I'm like, oh my gosh.
And I almost was like, true story, I
don't know about you, but like I've almost
legitimately lost my flight because of the comfort
of some of them.
They do get a little addictive.
So, and eventually if you lose the lounge
access, then you're sitting in the airport.
You're like, what am I doing here?
What's happening?
I see those people too.
They get very angry when they come in
and they realize that their lounge access is
gone.
They're very upset.
Yeah, they're gonna have to go sit in
the terminal.
Exactly, yeah.
So you also mentioned, and I think this
is interesting because there's so many perks that
people just don't know about.
And you mentioned, and so we started out
talking about travel insurance.
So tell us what travel insurance is and
how it works.
Because this is one of those perks, I
just think most business owners and a lot
of people using it in personal cards just
don't know anything about.
That's right.
And this is a good point that you
just made that these are very prominent on
personal travel cards as well.
When we're talking about travel insurance, people often
think, oh, you know, I'm gonna go buy
a policy to cover my trip or whatever.
And a lot of times then you end
up fighting with the insurance carrier if there's
a problem and the terms and all of
that, versus just getting, having a credit card
that has a robust policy.
What you're looking for are some basics like
baggage delay insurance, where if your bag is
delayed and you need to go buy a
spare t-shirt and toothbrush and whatever it
might be because your bag didn't make it,
your credit card policy will reimburse you for
those costs.
Trip delay, same thing where your trip gets
delayed by six hours or 12 hours and
you're stuck in the airport on a connection
or wherever it might be and you need
a hotel room.
Maybe it's even overnight that your connection doesn't
happen and you're stuck in having to get
a hotel room and the airline is giving
you trouble about it.
That's the sort of thing where you just
pay for it on that card and your
card is covered and reimburses you for the
cost.
So those are important types of insurances that
you'll find on cards.
They're all included.
Usually they do require in order to be
covered that you charge the trip, the cost
of the trip itself to that card.
Of course, if you're a business owner and
that's the card you use, that won't be
a problem, but it is the one thing
to keep in mind.
You can't charge the trip to a different
card and then try and get another card
to cover any costs.
You'll need to do it through whatever your
book.
And there's a couple of exceptions and things
like that that you need to read the
fine print as you always do.
But generally those programs are really quite robust
and are really quite good.
You'll usually only find them on cards with
some sort of annual fee, no annual fee
cards, but it doesn't have to be a
400 or $500 card.
You'll definitely find those types of coverages on
cards that cost less than a hundred bucks.
And I can't tell you how beneficial those
have been.
I was supposed to go skiing in France
in January and then broke my shoulder skiing
two weeks before in Utah and they weren't
gonna give me my money back.
It was like $4,000.
And because my credit card gave me the
protection, I was able to get out and
get 4K back.
So when you talk about spending four or
$500 a year, that's just an example of
how much money just one of those perks
is able to help you with.
Yeah, it's the sort of perk that you
hope you never have to use, but the
one time you do, you're thankful that you
have it.
It's definitely something I'm active.
And look, there's other protections as well that
you can find on a card.
So it's the same sort of thing.
You find the right card that matches what
you need, what you think is most likely
to be an issue.
So I know, and we've discussed perks and
points related to hotel, related to flights.
We've talked about minorly groceries, gas and office
supplies.
What are some in travel insurance?
What are some of these other perks that
people don't even realize you can get on
some of these cards that can help either
individuals or business owners?
Yeah, the big granddaddy of the perks cards
is the American Express Business Platinum Card.
And it's an expensive card.
It's $695 a year.
So you really have to be able to
use those perks, but it does come with,
like you've mentioned, those elite statuses with Hertz,
with Avis, that sort of thing, with Kilton.
So you're getting treated better at where you
go.
It also comes with a lot of annual
credits.
So while you're paying $700 a year for
that card, you're also getting up to $200
a year in airline fee reimbursements for when
you're traveling on an airline where maybe you
do have to check a bag or pay
for some sort of an upgrade fee, whatever
it might be.
It also comes then with a lot of
other little perks.
For instance, the Amex Business Platinum gives you
up to $10 a month in credit against
your cell phone bill, your business cell phone
bill.
When you charge it to that card, they'll
give you back 10 bucks of it.
So there's all these little credits and elite
status.
It all adds up to a fairly extensive
package.
Again, you need to make sure you're using
them.
You need to be actually actively using all
of those perks or the ones that make
it valuable to you if you're gonna be
paying that amount of money.
But it is a popular card when it
comes to VIP treatment and people who really
want to have a little something extra for
their business.
And by the way, it does, of course,
also come with lounge access.
It's got that same 1,300, 1,400
airport lounges plus American Express' own Centurion lounges,
plus if you're flying Delta, access to Delta
Skyclubs.
So it's a pretty broad package.
So there's a lot involved, right?
And if we look at pointspath.com, pointspath
will help us kind of know where to
use our points and the incentives.
But how do you go through, how do
you guide somebody through this overwhelming process of
where to even start?
Like, what does that filtration look like?
Do I start saying, what do I care
most about?
Is it money back?
Like, what logical paths should I go from
the very beginning of, I need a credit
card that gives me the most to narrowing
down the exact card that works for me?
Yeah, so the first step, obviously, is do
I travel?
Or do I, my employees travel?
Am I gonna need travel points?
If you don't travel, don't collect travel points,
collect cash back.
I mean, that sounds obvious, but I've met
many people who collect travel points and then
redeem them for cash back.
And you're just not gonna get as much
value that way rather than just getting a
cash back card.
That just makes a lot more sense and
you'll find a lot more value that way.
So start with, what is it that I
actually want to earn rewards-wise?
From there, if you're doing cash back, it's
pretty easy.
Again, we've talked about, figure out what I
spend the most on and for my business
and then pick a card that matched that.
For travel, it does get more complicated because
then it says, okay, what airlines do I
tend to fly?
Also, where do I usually go?
Am I traveling domestically?
Am I traveling internationally?
Do I want to leverage international programs?
Is there a card that then has those
international programs?
So there's a lot of that too.
When it comes to travel rewards, it is
more complicated because of course, there's a lot
of airlines and hotels and a lot going
on out there, whereas cash back is cash
back.
So if you are looking for a very
simple set it and forget it type of
card, then I would recommend cash back just
because it's easy.
You get the card, you put it in
your wallet, you use it for all your
business expenses, you get some money back at
the end of the year or whenever you
need it.
But you will get more value for travel
points if you're willing to put the homework
into it.
It will require a little more homework.
As with everything in life, the best things
in life cost something.
And in this case, it costs a little
time to really maximize all of that.
But it is, if you like traveling and
you want to travel better and travel for
free, the travel rewards really can be worth
it.
So Ian, what is something that I should
have asked you and I didn't ask you
as we get ready to wrap up, I
always like to ask this, but what is
something I should ask you that I didn't,
that you think could be beneficial for those
that are really trying to find the perfect
cards and the perfect bundle of incentives for
them?
Yeah, I would say, first of all, don't
panic if you feel overwhelmed.
It is a lot going on out there
and you're not gonna become an expert in
business credit cards instantly.
And you don't need to be.
And the first card you choose, you may
look back a year or two or three
from now and be like, I didn't, that
wasn't the right card.
I didn't need that, I need this card.
It's okay, you can start with the card
that you think is right for you, but
don't think that that has to be the
last and only card you ever get for
your business.
I always say to everybody, and this is
both business and personal, if you're not looking
every few years at what card you have
and what else is out there, you're probably
leaving value on the table because not only
may have your needs changed, but also the
credit card market changes constantly and banks are
constantly coming out with new and better products,
changing products.
The card you have might have changed and
no longer does what you originally thought it
did.
So you should not get a card and
just say, okay, that's it for the next
decade, which a lot of people do.
Instead, you should really get a card, use
it, work with it for a while, and
then say, all right, is this meeting my
needs or should I look at another card?
It's not a big deal to call and
cancel a card when the annual fee comes
due.
And by the way, if that happens and
you want to keep the card, but you
don't want to pay the annual fee, another
thing you can do is call the bank
and say, listen, I don't want to pay
this annual fee.
Is there another card you can convert it
to that doesn't have an annual fee?
And then you can keep both cards.
So that's another option.
But my main tip is don't feel overwhelmed.
Don't be worried about making a mistake.
We all in this, it is complicated.
So you'll find that.
So Julian, and I appreciate that.
That was phenomenal advice as we get ready
to wrap up.
But there's so much that you said to
keep up with this.
It is easy to get overwhelmed.
Where can everybody go to follow you to
be able to keep up with what's happening
right now in the moment when they're trying
to go to get a card, they're gonna
want the most up-to-date information.
How do they follow you?
Yeah, yeah, that's a great question.
So first of all, we have a weekly
newsletter where I provide the best deals of
the week and what's going on in the
world of credit cards.
So by signing up for PointsPath, you automatically
get on that newsletter.
So that's a great, it is free, just
like PointsPath is.
Beyond that, we are on social media, of
course, Instagram, Twitter, TikTok, at PointsPath.
So you can find us there and you
can talk to me.
And then there are other resources out there
as well.
I would be remiss to mention my own
place, not to mention my own place, the
old place, the Points guy, CNN, their underscore
outlet has a lot of information about credit
cards and travel rewards.
And frankly, a simple Google search will tell
you a lot.
Be careful, obviously, of who you're Googling, of
what site you end up on.
Make sure it's somebody reputable.
But there is a lot of information.
It really comes down to how much time
do you wanna put into it.
Obviously, everyone's building their business, including myself, and
a lot of time is spent building your
business, and you might not have a lot
of time to dig into credit cards, which
is why podcasts like this are so useful.
But it is worth it.