Stack Your Points

stackyourpoints
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Credit cards can be a fun playground of make points, spend points and stack points. Follow along with Matt, Lani, Tariq and RJ as they talk all about points.

  1. 2D AGO

    I Cross the Comma

    Viewer Questions Which two transfer systems best compliment each other? - M2K For an equivalent experience, would you ever pay more just because of the stacking opportunities? - JChainz For example, between Uber and Lyft, I’ve found myself choosing Uber a lot lately simply because they’re consistently $10 cheaper (due to flash sales or whatever) when I need to take rides. This is despite having DashPass benefits and earning miles as a UA loyalist on the Lyft With everything going on in the world right now, from a travel lens, how do you see things like oil prices and recurrent TSA budget issues affecting travel in the next 6 months or so? - DDAF  Do you have any hobbies that crossover with points and travel?  Like Key from KeyKey's Adventures whose goal was to watch a game in every park in the MLB - I think she completed it last year.  I recently found this YouTube channel where the guy travels around the World trying the best coffee shops and roasters in each city he visits. - Keith News Round-Up  Amex The Graphite Business card AmEx just secured a $900M deal with the NFL General News Uber is buying Blacklane Topics  Matt Let’s play with Citi Nights, would you want to see other issuers do something similar and would you prefer Friday/Saturday or All Weekend? What would be your favorite Weekly “Boost?” Lani   With the changes to Status and how tp pay-to-play to get them, specifically hotel, is Diamond the new Gold? 0:00 Intro & Online Passport Renewal 4:13 Q&A: Best Complementary Transfer Systems 12:03 Q&A: Is Paying More for Stacking Worth It? 18:39 Q&A: Oil Prices, TSA Cuts & Travel Outlook 29:35 Q&A: Hobbies That Cross Over with Points & Miles 37:30 News Roundup 37:38 Amex Graphite Business Card 39:55 Amex Becomes Official NFL Card Partner 42:13 Uber Acquires Black Lane 50:31 Topics 50:38 Lani's Topic: Is Diamond the New Gold? 1:10:00 Matt's Topic: Should Others Copy Citi Nights? 1:24:03 Outro & Member Shoutouts

    1h 25m

  2. MAR 25

    Schadenfreude

    Viewer Questions What CC/travel support apps/subscriptions do you have and why? (Things like TripIt, Seats.Aero, or Card Pointers etc etc) - DDAF With Hyatt, and Citi's recent nerfs, what is your prediction for the next big devaluation? - Kirby G Do you use shopping portals regularly other than Rakuten?  I’m thinking of the C1 portal, Chase Portal, or airline portals for additional points. - Ron B Citi just slashed transfer rates to Choice (dropping to 1:1.5) and Preferred Hotels (dropping to 1:2). For those of us who used Choice for high-value stays in Japan or Europe, where is the new 'budget' sweet spot for ThankYou points? - James World of Hyatt now gives cardholders 30 days of early access to award calendars. Is this a genuine perk, or is it just creating a two-tier system where non-cardholders will never see a 'Standard' room at the Park Hyatt Kyoto again? - Carl News Round-Up  Amex Rumored Graphite Business card Citi iPrefer and Choice Transfer rates dropped. 1:1.5 on Choice, 1:2 on iPrefer. 1:1.05 on the No Annual Fee Cards with Choice and 1:1.4 with iPrefer. Topics  Matt Is there a Credit Card/personal finance Dunning-Kruger effect; and how do we overcome it? According to a March 2026 U.S. News survey, 51 percent of U.S. consumers consider themselves "very knowledgeable" when it comes to personal finances despite 53 percent not knowing their FICO score is or what most lenders use to determine creditworthiness. Lani   Are business cards still worth it? RJ Should airlines/hotels offer paid memberships as an option for those who do not want credit cards as it gets harder and harder to be a true free agent? (IE United’s miles changes) 00:00 Welcome and Introductions 00:34 Travel Apps and Subscriptions 06:26 Next Big Devaluation Predictions 13:33 Shopping Portals Beyond Rakuten 16:42 Citi Transfer Nerfs and New Sweet Spots 22:02 Hyatt Early Award Access Debate 31:00 News Roundup Citi and Amex Rumor 43:18 Are Business Cards Still Worth It 48:22 Chase Offer Loopholes 50:04 Business Card Spotlight Shift 54:13 Dunning Kruger Finance 55:49 Money Myths Reality Check 01:15:22 Pay For Status Idea 01:36:12 Wrap Up Thanks Members

    1h 37m

  3. MAR 18

    5x Points on Tangents

    • 0:00 - Introduction Matt introduces the show and welcomes RJ and Lani to discuss the week's topics. • 5:06 - Q&A: Pick Your Partners & Devaluations Keith asks whether recent hotel devaluations mean it's time to double down on specific partners. The hosts discuss consolidation strategies and how to navigate changing reward programs. • 26:48 - Q&A: Spain vs Italy Travel M2K asks about choosing between Spain and Italy for a two-week trip. The hosts share their preferences and best times to visit each country. • 34:36 - Q&A: Video Game Heroes & Credit Cards Diamond Rice asks what credit cards video game characters like Lara Croft, Leon from Resident Evil, and Nathan Drake would carry. • 47:02 - Q&A: Best Status Benefits Discussion of the most valuable hotel and airline status perks, from dedicated customer service lines to free water bottles and breakfast. • 58:43 - News: Marriott & Amex Changes Breaking down Marriott's new restrictions that may signal an exclusive partnership with Amex and what it means for Chase cardholders. • 71:03 - Topic: Would You Do It Again? RJ poses the question: if you could go back in time, would you get into credit card rewards all over again? • 76:36 - Topic: Navigating Economic Uncertainty Matt and the team discuss strategies for the next 12-24 months, emphasizing organic spend and patience during turbulent times. • 89:31 - Topic: How Long to Earn Vacation Points? Lani asks how long it takes to earn enough points for a vacation using only regular spend (no welcome bonuses). • 104:32 - Wrap-Up & Member Shoutouts Closing remarks and recognition of new silver and diamond members.

    1h 40m

  4. MAR 11

    The Amex Bonvoy is Brilliant

    00:00 Show Introductions 02:31 Our Different Shows 05:20 Booking Flights Timing 17:42 Explaining The Hobby 32:41 Build The Ultimate Card 39:02 Sports Travel Family Setup 51:59 Paranormal Travel Stories 55:43 Bilt Rate Controversy 57:58 Rove Adds SAS Transfers 59:43 When 5 Percent Isn’t Worth It 01:08:05 Should Banks Kill Old Cards 01:15:08 What’s Bringing Travel Joy 01:27:11 Member Shoutouts and Wrap

    1h 28m

  5. MAR 4

    Close ALL the Lounges!

    0:00 - Introduction & Embargo Discussion 2:12 - Q1: Domestic Family Travel - Driving vs Flying 10:03 - Q2: Starting a Credit Card YouTube Channel 26:53 - Q3: Points/Miles for Flights or Hotels 40:00 - Q4: Choosing One Hotel Brand Forever 70:03 - Topic: Children in Airport Lounges 73:25 - Topic: Free Night Certificates - Are They Overhyped?

    1h 29m

  6. FEB 25

    Lower Expectations

    Viewer Questions   - Fling, marry, kill - Hyatt, Marriott, Hilton points. - Chris M     - How often do you recommend re-evaluating your setup?  'Normies' do it almost never. But how often should  people in the game do it?  Obviously that has to be balance and you can't chase every new and shiny thing.  Quarterly?  Semi-annually? - RP2048     - If your airport of choice magically became a hub for a different airline (oops Atlanta is now American or oops RJ's airport swaps their Delta flights for United flights and vice versa) how easy would it be to swap loyalty? Would you try to force your loyalty to stay where it is or would you easily swap over. - Kirby G     - With the announcement of changes nerfing MileagePlus for non-cardholders on April 2nd, how long until Delta+Amex do something similar? Will they delay it because the image so far has been that Delta is leading the trends in loyalty programs United is following or will their greed win over their pride? How do you think this changes advice for beginners and do you think people farther in should think harder about velocity to be able to pivot faster when news like this comes out? - Benevolent Contrarian. ********** Matt - How much longer will Rotating Category cards be relevant in the game? We’re seeing the Freedom Flex barely offer decent categories of late…is it time to turn the page? Lani   - Travel portals are changing, some of these changes are not for the better. With all the changes happening with the credit card game in general (i.e. all these recent changes have killed the gamifying of the system), are travel portal nerfs just the beginning for a larger “we need to save money somewhere” option for the banks? RJ - What is the biggest mistake couples make when trying to earn points together, and how do you optimize a "two-person" household? ********** 00:00 Show Kickoff  02:56 Fling Marry Kill Hotel Points 05:23 When to Reevaluate Cards 14:45 Airport Hub Loyalty Swap 23:28 United MileagePlus Changes Debate 45:46 Portal Nerfs Debate 58:30 Rotating Categories Relevance 01:07:15 Two Player Points Mistakes 01:18:59 Wrap Up and Sign Off --- Check out SYP's website and join the Discord: StackYourPoints.com --- Join this channel to get access to perks: https://www.youtube.com/channel/UCUBehygQ0bEq5DcMVGScIjw/join

    1h 21m

  7. FEB 18

    Binders Full of Bilt Cards

    Viewer Questions   - Considering Matt has a stranglehold on rocket, which guardians characters do the rest of the gang identify as? - Sk8za - How should creators walk the line between speaking in their own experience re: what set ups or strategies work for them vs. inadvertently giving the impression that they are suggesting people should do the same? - DDAF - Several credit cards in the past gained more appreciation when they could no longer be applied to and were only available to grandfathered cardholders. For example, Citi Prestige (5x restaurants, but considered a shell of its former self) and Chase United Presidential Plus (low-priced United Club access, but considered expensive in an era right after lifetime lounge membership was offered). Which of today’s cards would be considered lost grails if they were unobtainable to new applicants? - Ganelon - With Amex closing the United travel  bank loophole on the Platinum, does it affect the Hilton Aspire as well. - James Ragland - People talk about card setups and ecosystems but never the endgame. What is considered your endgame setup (ignoring welcome sub resets on eligibility and NLL links) does that endgame include multiple transferrable ecosystems or one single one etc. - Diamond Ryce ******************************************************************************* Topics    Matt     - Are we overlooking dining programs besides the ones on RewardsNetwork via the Airlines/Hotels. Is anyone using or extracting value out of the Seateds or InKinds of the world? Would you experiment more with them if you lived in a different area? Lani   - Do you ever experience “Which Card Paralysis?” This is when you need to swipe and you don’t know which card to use. What points you need, which credit can be used, etc.   - For me its dining. Because every card has a dining category, when it comes to dining in the wild, I always freeze a little bit, Gold, Aspire, CSR?  RJ - Is there a “happiness” scale in credit cards? It seems the more people know and the more they hunt the high of a great redemption the more they become pessimistic about the game. ******************************************************************************* 00:00 Welcome Back + Lonnie’s Tokyo Trip Highlights 09:01 Which Guardians of the Galaxy Character Are You? 10:30 Sharing Personal Strategies Without Sounding Prescriptive 32:57 Which Current Cards Become ‘Lost Grails’ If Discontinued? 40:53 Amex Closes United TravelBank Loophole—Does Aspire Get Hit Too? 48:12 What’s Your Credit Card ‘End Game’ Setup (If It Even Exists)? 01:01:22 Revisiting TravelBank + Amex ‘Thinning the Herd’: Higher Spend, Crowded Lounges 01:09:22 Which Card Paralysis: Picking the Right Card for Dining (Japan vs US) 01:17:39 Are We Overlooking Dining Programs? Seated, InKind, United Dining & More 01:28:17 Credit Card “Happiness Scale”: More Knowledge, Less Joy? 01:39:05 Reality Check & Closing: Use Points, Shoutouts, and Final Thoughts --- Check out SYP's website and join the Discord: StackYourPoints.com --- Join this channel to get access to perks: https://www.youtube.com/channel/UCUBehygQ0bEq5DcMVGScIjw/join

    1h 42m

  8. FEB 13

    Planes, Trains and Automobiles

    ## Viewer Questions   - If you had to use a Bilt 2.0 card as your only card for 2026 which card would you choose and how would that impact your point earnings and traveling. - M2K     - What are the SYP goals for 2026? Any sub goals or viewership goals or merch goals etc - Kirby G - What is your "order of operations" when it comes to booking a hotel or flight? For example, do you prioritize expiring credits or point stacks first? Is cash last on that list? - DDAF - What is the best play outside the USA that you wish you could do? - Chris M   - I'm in my "sit on my hands because I got too many cards last year" phase. What phase are you in? - DDAF - If you had to pick one mid tier and one premium tier credit card, but from 2 different issuers, what combination would you pick? Feel free to define the tiers as you see fit - ShabbyOlCloak   00:00 Introduction and Catching Up 06:47 If You Had To Use A Bilt Card 20:44 Stack Your Points Goals for 2026 28:45 Booking Flights and Hotels: Strategies and Preferences 45:31 International Credit Card Wishlist 51:07 Credit Card Phases: Where Are We Now? 58:57 Choosing the Best Mid-Tier and Premium Cards 01:12:25 Annual Fees: How Much Are You Spending? 01:27:08 Dream Credit Card Partners 01:35:53 Alternative Point Transfer Opportunities 01:48:28 Closing Thoughts and Member Highlights   Topics Matt - Outside of Travel, what do you think will be the next sort of point transfer banks may look into transferring with? This could be restaurants, gas stations, grocery stores. Craig - What are your annual fees currently, over the last 12 months, and what do you expect them to be on 1/1/27? - How are you leveraging AF cards and what are some of the key features, perks or benefits required for an annual fee card to be added to your wallet? RJ - If you were starting a credit card company, what are the first 3 to 5 partners that you would sign contracts with?

    1h 50m
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About

Credit cards can be a fun playground of make points, spend points and stack points. Follow along with Matt, Lani, Tariq and RJ as they talk all about points.

Information

  • Creator
    stackyourpoints
  • Years Active
    2024 - 2026
  • Episodes
    87
  • Rating
    Clean
  • Copyright
    © Copyright 2024 All rights reserved.
  • Show Website
    Stack Your Points

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