Our Top Three Credit Cards

Travel hacking can be completely overwhelming and confusing at best.  While we find travel blogs interesting, most people we know have full-time jobs and don’t want to spend their time reading cryptic blog posts and figuring out how to follow the advice.  Our goal for “the points game” is to simplify the process (using the rule of three) and get back to the basics so that you can get on with your life and your next trip!

Our first post will focus on our top three credit cards.  We understand that most people don’t want to open and carry 10 credit cards.  I use a small card case so I carry only three credit cards at a time anyways.


Our Top Three Credit Cards


CardAnnual FeeSign-up BonusPrimary UsePerks
Chase Sapphire Reserve (click link for referral)

“Main Card”

Note: $450 less $300 travel credit
50,000 points

Note: worth between $750 - $1,100
Travel & Dining
(3 points)
$100 application fee credit for Global Entry or TSA Pre✓®

Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select

No foreign transaction fees
Chase Freedom (click link for referral)

“Category Card”

Note: sign-up bonus changes over time and it may be worth to wait for a better bonus i.e 20,000 point bonus
Rotating Category
(5 points)

Note: Up to $1,500 in combined purchases in category
Ability to transfer cash-back points to Ultimate Rewards points if you have a premium card i.e. Chase Sapphire Reserve (Ultimate Rewards points have at least 25% more value than cash back points)
Chase Freedom Unlimited (click link for referral)

“Everything Else Card”

Note: sign-up bonus changes over time and it may be worth to wait for a better bonus i.e up to 20,000 points
Everything Else
(1.5 points)
Same as above


Final Thoughts

  • Use our referral links for Sapphire ReserveFreedom, and Freedom Unlimited cards!
  • Sign up all at once if signing up for more than one card so that your applications count as only one hard inquiry or “pull” on your credit report.
  • Hit your minimum spend requirements.




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