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. You just follow our instructions each quarter and the points stack up. Most members 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 and 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 of about 5 to 10 points. But adding new credit lines actually improves your score long term by lowering your utilization ratio. Most members see their scores increase over 12 months.

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. Most of our members see their scores go up, not down. The key is paying every card in full every month, which is built into our strategy.

Most members 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 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. Many of our couples earn 2,000,000+ points combined, enough for Business Class flights and luxury hotel stays for the whole family.

Every tier includes a fully personalized card application schedule, denial reconsideration scripts, downgrade and cancel management, and annual fee tracking. Higher tiers add done-for-you strategy, trip booking, and direct access to Nick. Over 18 months, our members typically earn 1M to 1.5M points worth $20,000 to $35,000+ in travel value.

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.

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 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.

Most members 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 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. A single free hotel night can be worth more than a month of your subscription.

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, most members earn enough hotel points for 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+.

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. That said, we recommend sticking with the full 18-month plan because that's where the real magic happens. In 18 months you can earn 1M to 1.5M points worth $20,000 to $35,000+ in travel value. That's the sweet spot for maximum return.

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

100% legit. Credit card signup bonuses are a well-known strategy that banks openly offer to attract new customers. We make money from your monthly subscription 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.

No. You don't need to spend more than you already do. Signup bonuses require you to hit a minimum spend in the first 3 months, but we plan around your existing monthly spending. Things like rent (if your landlord accepts cards), groceries, gas, subscriptions, dining out, and bills all count. We make sure the cards we recommend match your natural spending habits.