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Point Me To First Class

122. Listener Q&A: Adding a Third Points Currency, Booking Emirates First, and Points Regret

Point Me To First Class

Devon Gimbel MD

Finances, Education, How To, Travel, Credit, Expenses, Card, Cards, Society & Culture, Professionals, Tips, Personal, Places & Travel, Business, Points, Rewards

51K Ratings

🗓️ 30 June 2025

⏱️ 70 minutes

🧾️ Download transcript

Summary

This episode is all about your questions—and real answers. I’m back with another listener Q&A, tackling the exact points and miles decisions you’re working through right now.

Ever feel like you're making credit card decisions in a vacuum? From wondering if it's time to add Capital One or Mesa to your rewards card portfolio, to recovering from redemption regret, I’m walking through the strategy behind each question so you can move forward with more clarity and confidence.

We’ll cover how to think about applying for “no lifetime language” Amex offers, why you might want to move credit lines between Chase cards, and what to do when your points plan feels a little off-track. This episode is packed with honest takes, strategic insight, and practical tips grounded in real-life scenarios.

 

Get full show notes and transcript: https://pointmetofirstclass.com/listener-qa-credit-card-points-strategy-2025/

Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of! https://docs.google.com/forms/d/e/1FAIpQLSeAPfb3wIaphMn_NoQzm_fljydsivTELQwh7pYoxrI2uTFoKQ/viewform?usp=header 

Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy

Transcript

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0:00.0

Welcome to Point Me to First Class, the only show for employed professionals, entrepreneurs, and business owners who are looking to optimize their higher than average expenses to travel the world.

0:10.8

I'm your host, Evan Gimble, and I believe that your expenses are your greatest untapped asset, if you know how to leverage them.

0:17.9

Ready to dive into the world of credit card points and miles so you can travel more, travel better, and travel often. Let's get started.

0:27.7

Hello, everyone, and welcome back to the podcast. Are you ready to get your credit card,

0:32.9

points, and award travel questions answered? I hope so because today's episode is all about listener

0:38.8

questions and my answers. About once per quarter, I open up the podcast to tackle listener

0:44.8

submitted questions. So instead of doing a deep dive on one focused topic today, we're going to be

0:50.4

covering a lot of ground on a variety of topics from nuances of credit card

0:55.3

eligibility and points combining rules to travel booking remorse and everything in between.

1:01.1

Whether you're just starting out or are already deep in the points travel world,

1:05.4

today's questions and answers will hopefully have something useful for everyone, no matter

1:10.6

where you are in your

1:11.2

points journey. My goal is not just to give you answers, but also share how I think through

1:16.6

these questions. So you can apply the same frameworks to your own situations when you find

1:21.5

that helpful. Credit cards, points earning, and points redeeming are personal. So it's not my

1:26.6

style to tell you exactly what you should

1:28.7

do in every situation. Rather, I want to share the concrete facts and rules around credit cards

1:33.9

and award travel and then help you navigate those in a way that suits you and your travel goals best.

1:40.5

So let's jump in. So this first question comes from someone who says, I'm very happy in the

1:45.8

Chase and Amex world, but I constantly hear about how great Capital One is. Do you also have

1:52.2

Capital One cards? And what was it that made you set foot in that currency? Did you find something

1:57.2

in Capital One that complements your Chase and Amex cards and adds value beyond

...

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