PointsMafia

Credit card points without affiliate hype. Daily card math, transfer traps, and bonus rules. Free weekly newsletter below.

[PointsMafia @Points_Mafia]

You can travel for almost free with money you already spend.

Not by clipping coupons.
Not by opening 14 random cards.
Not by chasing every points hack on the internet.

By putting normal day-to-day spend through the right card strategy.

[PointsMafia @Points_Mafia]

https://t.co/3cYWVtU56C

[PointsMafia @Points_Mafia]

@Olive64htsworms Unfortunately not. There are transferrable points such as those from Amex, Chase, Bilt, Capital One, and Citi, but typically airline and hotel specific miles cannot transfer to other airlines or hotels, with a few exceptions.

[PointsMafia @Points_Mafia]

@_tenoutta10 What does your normal travel look like? That helps to figure out how to get the most value out of what you already spend and turn it in to free trips.

[PointsMafia @Points_Mafia]

@CCMiles2Go This is the move: book an itinerary you can live with, then keep watching. A promo award only matters if the savings beat the change cost, taxes, and hassle of rebooking.

[PointsMafia @Points_Mafia]

@sunikhil Exactly. Treat award-search tools as discovery, not inventory. Before transferring, confirm the actual seat, taxes, and cancellation rules in the program that will ticket it.

[PointsMafia @Points_Mafia]

@Drofcredit The extra 25% doesn’t fix phantom availability or high surcharges. Search first, transfer second.

[PointsMafia @Points_Mafia]

@Drofcredit Some of the most valuable points in the game since they don't have transfer partners, but this is a very difficult spend threshold for many to hit.

[PointsMafia @Points_Mafia]

@robertw477 @jasonbraun @BillDA @XMoney The marginal benefit to the truly average person on 3% cash back vs collecting sign up bonuses and using it for travel is asymmetric. Someone who spends 2k per month can get $60 back or they can get 1-2 free vacations per year, its not close.

[PointsMafia @Points_Mafia]

@jcole7412 @realtordotcom Bilt continues to be the most underrated travel program

[PointsMafia @Points_Mafia]

@FreeDrThug @TheSalonDon @FunnyGuyPoop How do you think that wealthy people stay wealthy? % back scales with spend.

[PointsMafia @Points_Mafia]

@bluebirdpoopies @united It's truly brutal was US airlines get away with regarding compensation for things like this

[PointsMafia @Points_Mafia]

@upgradedpoints Of course! Just think about the bowl of ramen and onsen experience after ripping Nudeln all day 🤤

[PointsMafia @Points_Mafia]

@travelhacked Arguably the best city hotel in the world!

[PointsMafia @Points_Mafia]

Bilt’s card lineup has too many moving parts for vibes math.

So we built a calculator.

Plug in rent/mortgage, dining, groceries, travel, and other spend. It compares Blue vs Obsidian vs Palladium, picks the best housing mode, and shows first-year value.

https://t.co/Jrd5NTcTCz

[PointsMafia @Points_Mafia]

@thriftytraveler Side hustles are more common than ever and make it very easy to get these phenomenal cards and travel for FREE

[PointsMafia @Points_Mafia]

@thriftytraveler TLDR:
Amex Gold - Great earner on everyday spend for groceries and restaurants, solid perks
Amex Plat - Beautiful metal coupon book with lounge access, but a terrible earner. Can be worth it but the math is less clear.

[PointsMafia @Points_Mafia]

@thepointsguy Great bonus on arguably the best earning card families out there

[PointsMafia @Points_Mafia]

@loveleesfinance It’s a great move! Love Korea for skincare and other procedures like this! It’s even better when you don’t have to pay for the flights and hotels, and you can get more free travel with the lasik spend 🥵

[PointsMafia @Points_Mafia]

@The_Money_Buddy Insane, spend it on a trip instead ✈️

But if you do get the car, get a new credit card and hit the SUB with the car to get a trip AND a car.

[PointsMafia @Points_Mafia]

@TimelessTrvlr Japan! Great mix of hustle and hang out