Frequently Asked Questions

We build a personalized card strategy based on your credit profile. Every 91 days, we tell you which cards to apply for. You click the links, earn the bonuses, and stack points. Most clients hit 1,000,000+ points within 18 months.

We recommend a score of 700+. The higher your score, the more cards and bonuses you qualify for. If you're between 680–700, we can still work together — we'll just adjust the strategy to build your score while earning points.

New applications cause a small temporary dip (5–10 points). But adding new credit lines actually improves your score long-term by lowering your utilization ratio. Most clients see their scores increase over 12 months.

Most clients earn their first 100,000+ points within 90 days of starting. After your first round of applications, you'll see points hitting your accounts within 1–2 statement cycles.

A personalized card application schedule, denial reconsideration scripts, downgrade and cancel management, credit score monitoring guidance, points redemption strategy, and direct 1-on-1 support whenever you need it.

Typically 3–6 cards every 91 days, depending on your profile and bank eligibility rules. We space applications strategically to maximize approvals and minimize credit inquiries.

We provide bank-specific phone scripts with step-by-step escalation tactics. Most denials can be overturned with a single phone call. We'll walk you through exactly what to say.

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 2 hours for initial setup and your first applications, then roughly 30 minutes every 90 days for new applications. We handle the strategy and research — you just execute.

Most clients earn 1,000,000+ points within 18 months. 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–$15,000 but cost you just 50,000–100,000 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 clients earn enough points to cover vacations for their entire family.

Yes. No contracts, no cancellation fees. Cancel with one message anytime. We believe our results speak for themselves — if you're not getting value, you shouldn't be paying.

No. It's a simple month-to-month subscription. Stay as long as you're earning points and loving the results.

Monthly subscription via credit card, processed securely through Stripe. You can update your payment method or cancel anytime from your account.