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#3: Points optimizer Alex Miller joins Chris to go deep on credit cards and points hacks. They discuss the best cards to get right now,\xa0how to get thousands of points without spending much money, and ways you should NOT be spending your points.\nAlex Miller is the Founder and CEO of Upgraded Points, a site that helps millions of people each month maximize their points and miles. An avid traveler himself, Alex regularly uses\xa0points for extravagant trips around the world, like flying in luxurious first-class cabins complete with onboard bars and showers that would have cost $50,000 if he were paying cash.\nFull show notes available at: https://www.allthehacks.com/credit-card-points-alex-miller/\n\xa0\nPartner Deals\nFor all the deals, discounts and promo codes from our partners, go to:\xa0allthehacks.com/deals\n\nSelected Links From The Episode\nConnect with Alex Miller: LinkedIn | Upgraded Points\nBudget tracker: Mint\nLeveraging international credit in the US: Nova Credit\nCards Mentioned\n\nAmerican Express\xae Gold Card\n\nThe Platinum Card\xae from American Express\n\nBlue Cash Everyday\xae Card from American Express\n\nCapital One Venture Rewards Credit Card\n\nFor other cards mentioned visit our Best Credit Cards Page\n\n\nKeep track of your points: Award Wallet\xa0\xa0\n\xa0\nAdditional Links from Upgraded Points\n\nBeginners Guide to Points & Miles\n\n11 Best Travel Credit Cards\n\n19 Best Ways to Earn Amex Points\n\n59 Best Ways to Redeem Amex Points\n\n\xa0\nFull Show Notes\n(01:42) Who is Alex Miller?\n(02:30) Alex\u2019s First Taste of Business Class\n(06:10) Recognizing Suboptimal Credit Card Optimization\n(08:04) Choosing Points Cards Aligned with Spending Habits\n(10:02) Downsides of Budget Tracking with Mint\n(10:52) Credit Card Impact on Your Credit Score\n(13:42) Leveraging International Credit for US Cards\n(15:07) Cash Back vs. Points: Which is Better?\n(16:23) Combining Benefit of Cash Back and Points\n(17:40) Unpacking the Value of Different Points\n(18:36) Disadvantages of Using Points for Gift Cards\n(19:49) Pitfalls of Airline Credit Cards\n(22:00) Hotel Cards: Perks like Free Night Stays\n(22:36) Considering High Annual Fee Cards\n(24:50) Steps Before Canceling a High Fee Card\n(26:37) Chris and Alex\u2019s Point Redemption Triumphs\n(34:00) Achievable Free Vacations with Points\n(36:27) Current Best Points Card Options\n(40:28) Complementary Cards: A Must-Have\n(41:15) Optimal Times for Cash Back Card Use\n(42:06) Eligibility for Business Credit Cards\n(43:43) Getting Amazon Points Beyond Groceries\n(45:52) Earning Points Without Spending Money\n(47:03) Maximizing Offers on Your Credit Card\n(48:59) Accelerating Points via Shopping Portals\n(51:18) Organizing Points Across Different Cards\n(52:04) Flexible Flying Desires with Points\n(54:14) Hottest Sign-Up Bonuses Right Now\n(56:30) Demystifying the 5/24 Rule\n(57:25) Insights on Capital One\n(58:12) Timing Behind Current Major Sign-Up Bonuses\n(59:21) Options if Card Application Isn\u2019t Approved\n(1:00:09) Post-Bonus Card Retention Duration\n(1:02:10) Reasons for Downgrading a Card\n(1:04:00) Connecting with Alex Miller\n\nConnect with All the Hacks\nAll the Hacks:\xa0Newsletter\xa0|\xa0Website\xa0|\xa0Membership\xa0|\xa0Email\nChris Hutchins:\xa0Twitter\xa0|\xa0Instagram\xa0|\xa0Website\xa0|\xa0LinkedIn\n\nEditor\u2019s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.