Most people leave tens of thousands of dollars in travel on the table every year. I'll build you a credit card strategy and redemption plan that actually works — personalized to your spending, your goals, and your life.
These are real trips — and you could be taking them too.
Most individuals earn points on $3,000–$6,000/month of personal spending. A business owner running $15,000–$50,000/month through the right cards can accumulate points at 3–5x that rate — often enough for a free international trip every few months.
Add in stacking personal and business card strategies together, and the opportunity is enormous. Most business owners I talk to are leaving tens of thousands in travel value on the table every year.
See the Business Strategy tier →Credit card issuers, airlines, and hotels make points deliberately complicated. There are 40+ loyalty programs, transfer partners, award charts, sweet spots, and blackout dates — and they change constantly.
Most people earn points for years and never get close to their actual value. They redeem for 1x the value as a gift card when they could be getting 3x the value redeeming for luxury travel.
I've spent over a decade learning the system — the sweet spots, the transfer bonuses, the card combinations that multiply your earning rate. I'll translate that into a simple, actionable plan built around your specific situation.
No courses. No generic advice. Instead, a personalized strategy session with me and a clear roadmap for how to achieve your travel goals.
See the process →From your first call to your first redemption — the whole process is designed to be straightforward.
Fill out a quick intake form before your call. Your current cards, how you spend, where you want to go. The more I know, the better your strategy.
On our call, I'll walk you through exactly which cards to add, which signup bonuses to chase, which programs to earn into, and how to maximize every dollar you spend.
Walk away with a written game plan. Book business class. Stay at properties you'd never pay cash for. Take the trip you've been dreaming about.
Every engagement starts with a free 20-minute discovery call.
A focused 60-minute call. Walk away with your personalized card stack, current signup bonuses to target, and your top redemption opportunities.
Book nowTwo calls plus a written strategy document — card stack, application timeline, and a full redemption roadmap built for your goals.
Book nowBuilt for business owners. Covers your business card stack, personal strategy, and how to maximize both together for outsize travel rewards.
Book nowI'm a public school teacher who's used points to take my family to St. Kitts, Kauai, Beaver Creek, Santorini, and a dozen countries in between. I started helping friends build their strategies for free — now I do it professionally.
In 2025 I earned 500,000 points from everyday spending and signup bonuses, and redeemed 375,000 of them for over $10,000 in travel. The system works — you just need to know how to use it.
"What stood out most was how organized and personalized everything was. We weren't left trying to figure things out ourselves — Josh gave us a clear roadmap and all the tools we needed to be successful. The step-by-step guide was incredibly helpful, and we now feel confident and excited about the possibility of traveling more as a family."
"I had never even dabbled in the credit card points world but Josh helped me set up one single card and within 2 months I was able to book a trip for me and my wife to fly round trip to Alaska and cover our first 2 nights of lodging all with points!"
"As a business owner I never knew just how important having the right credit card strategy was. Josh taught me just how much value I was leaving on the table. Following his advice I've already been able to take my wife and 4 kids on dream trips to Scotland and on our most recent trip my wife and I had points to splurge on business class. His service is worth every penny!"
