Credit Cards

Cards, Points & Miles

How I use credit cards and points to travel the world full time

These are the cards I carry, how I earn points with them, and how I turn those points into flights and hotel stays while I slow travel overseas. Everything here comes from my own experience.

Open the card tool →Browse all topics
4free tools
9guides
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If I were starting today

These are the three pages I would read first, in this order.

1Pick cards worth keepingWhat I look for before I apply→
2Use the right card every timeThe card I use for each purchase type→
3Check cash vs points before bookingSee what each point is worth→

Best places to start

The guides and tools I point people to most often.

Interactive toolWhich Credit Card to Use for Each PurchasePick a purchase type and see which card I use for it, and which points it earns.Answer in a few clicksOpen the tool →
Start hereThe Credit Card Benefits I Look For as a Full-Time TravelerHow I decide whether a card is worth getting in the first place.Great first readRead the guide →
Points basicsHow I Earn Points for Flights and HotelsThe few simple methods I use again and again to keep my points balances growing.Simple, repeatable methodsRead the guide →
Hotel strategyHow I Get Insane Value From IHG PointsThe approach I use for hotel stays in Southeast Asia and Japan with a Chase IHG card.Free nights in AsiaRead the strategy →
Money abroadHow I Withdraw Cash in Other Countries With No ATM FeesThe two debit cards that have worked best for me overseas, Charles Schwab and Fidelity, and how they compare.Schwab vs. FidelityRead the guide →
Jump toFree toolsChoosing and using cardsAward flightsHotels

Everything on this page is based on my own personal experience and is not financial advice. Card benefits, transfer partners, and award prices change often, so I check the current terms with the card issuer or program before I apply or book.