Frequently Asked Questions

We build a personalized card strategy based on your credit profile - which cards to apply for, in what order, and when. The timing and sequencing is critical because every bank has different rules, and getting it wrong means missed bonuses or denials. We handle all of that complexity. Every 91 days you follow our instructions, and the points stack up. Our plans are built to reach 1,000,000+ points over 18 months for members who meet the spending requirements.

You can find information. What's hard is applying it to you: which cards you can actually get approved for, in what order, around which bank rules, with which offer this month, and what to do with each card a year later. One wrong move can cost you a bonus for years. We make those decisions for your exact situation and keep making them for 18 months.

You answer a few questions (about 2 minutes). If it looks like a fit, you pick a time for a free strategy call. If you join, we build your plan and send your first round of cards with instructions.

We look for 680 or higher, and 700+ opens the most options. The higher your score, the more cards and bonuses you can qualify for. If you're between 680 and 700, we adjust the strategy to build your score while earning points.

New applications cause a small temporary dip of about 5 to 10 points. Over time, more available credit lowers your utilization, which is one of the biggest factors in your score. The key is paying every card in full every month, which is built into the strategy.

No, it actually helps. Every new card increases your total available credit, which lowers your overall utilization ratio. That's one of the biggest factors in your credit score. On top of that, you're building a longer credit history with more accounts in good standing. The key is paying every card in full every month, which is built into our strategy.

Your first round of cards typically targets 100,000+ points within about 90 days. After your first round of applications, you'll see points hitting your accounts within 1 to 2 statement cycles.

Yes. The credit card strategy we use is based on US-issued cards from banks like Chase, Amex, Citi, and Capital One. You'll need a US credit profile and a Social Security number to apply. If you're a US resident or expat with active US credit, we can work with you.

Absolutely, and we highly recommend it. If your partner has their own credit profile, they can run the same strategy independently. That means double the cards, double the signup bonuses, and double the points. Couples can run two strategies side by side, which can double the points: enough for Business Class flights and luxury hotel stays for the whole family.

Every membership includes a personalized card strategy and application schedule, help if a bank says no, downgrade and cancel planning, and annual fee tracking, managed for the full 18 months in your private member portal. Higher tiers add trip booking and more direct access to the team.

We research the best way to use your points for every trip. On Business and First Class memberships we handle the booking with you. Economy members can add trip booking for a flat fee.

No registered company is required. If you have genuine self-employed or side income, you can apply as a sole proprietor under your own name. We walk you through exactly how to fill out the application honestly.

The goal is 2 new cards every 91 days, sometimes more depending on your profile. Each round gives you 2 new signup bonuses to work towards. Once you hit those bonus thresholds, we repeat the cycle with your next round. This is how the points stack up fast.

You're not on your own. We look at what happened, tell you whether a reconsideration call makes sense, and walk you through exactly what to say. Many denials can be reversed with one call.

No. We provide the exact links and instructions. You complete the applications yourself. It takes about 20 minutes every 91 days. This keeps everything in your name and under your control.

About 20 minutes every 91 days to submit your applications. That's it. Behind the scenes, we spend hours researching current offers, tracking bank rule changes, optimizing your card sequence, and managing your annual fees. The strategy is the hard part - and that's what we do for you.

Both. The core of the service is building your points balance through our card strategy. But we also provide points redemption guidance so you know the best ways to use your points for maximum value, whether that's Business Class flights, luxury hotels, or both. We'll help you figure out the best way to book your dream trips.

Most signup bonuses require you to spend a certain amount in the first 3 months, usually $3,000 to $6,000 per card. We're not asking you to spend more than you normally would. The strategy is to shift your everyday spending, things like groceries, gas, bills, dining, and subscriptions, onto the new card. Most people already spend enough to hit these thresholds without changing their habits.

Many of the best cards do have annual fees, but here's the thing: the signup bonuses alone are worth 5 to 10 times the fee. A card might cost $95/year but give you 80,000 points worth $1,500+ in travel. Plus, we build downgrade and cancellation plans for every card so you never pay a recurring annual fee you don't want. You're always in control.

Our plans are built to reach 1,000,000+ points within 18 months for members who meet the spending requirements. That's enough for multiple Business Class international flights, weeks of luxury hotel stays, or a combination of both.

Flights (Economy through First Class), hotels, car rentals, and more. The biggest value is in Business and First Class international flights, where a single ticket can be worth $5,000 to $15,000 but cost you just 50,000 to 100,000 points.

Most transferable points (Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou, Capital One Miles) don't expire as long as your account is open. We help you manage your accounts to keep everything active.

Yes! You can book travel for family, friends, or anyone. Many of our members earn enough points to cover vacations for their entire family.

Top-tier properties like Park Hyatts, St. Regis, Waldorf Astorias, Ritz-Carltons, Conrad, and W Hotels. We're talking rooms that go for $500 to $1,500+ per night, bookable for just 20,000 to 50,000 points. The hotel card strategy is one of the highest-value parts of what we do.

The savings are massive. A 5-night stay at a luxury resort that costs $4,000+ in cash might only cost 150,000 to 200,000 points. That's a 92 to 95% discount. We target hotel cards with huge signup bonuses, some worth 3 to 5 free nights right out of the gate. Over 18 months, a strategy that includes hotel cards can add up to 10 to 20+ free nights at premium properties.

That's the goal. We build your strategy to earn both airline and hotel points so you can cover entire vacations. Imagine flying Business Class to Europe and staying at a 5-star hotel for a week, all on points. Many of our members pay almost nothing out of pocket for trips that would normally cost $10,000+.

One full 18-month membership. That's not arbitrary: banks only allow a new card roughly every 91 days, so 18 months is what it takes to move through enough signup bonuses to stack 1,000,000+ points and then redeem them well. We commit to you for the whole journey, and you commit to the whole journey too. There is no month-to-month option.

One payment upfront, processed securely through Stripe. It covers your full 18-month membership. Membership fees are non-refundable once your strategy work begins.

100% legit. Credit card signup bonuses are a well-known strategy that banks openly offer to attract new customers. We make money from your membership fee, that's it. Our only incentive is to help you earn as many points as possible so you stick around and refer your friends.

New accounts can affect a lender's decision for a few months. If you're planning a big loan in the next 6 months, tell us. We'll either wait or plan around it.

No. You don't need to spend more than you already do. Signup bonuses require a minimum spend in the first few months, and we plan every card around your existing spending: groceries, gas, bills, dining, subscriptions. That said, your normal monthly spend sets the pace: someone who naturally spends more each month can earn a lot more points than someone spending $3,000. How far this goes really depends on your spend.