Credit Card BS Podcast

Wells Fargo is finally starting to become a competitive bank in the world of credit cards. Their new Autograph Journey card is going to be one of the best mid-tier credit cards that exists. Today, we will cover everything you need to know and if this card is worth it.

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There is constantly a debate on whether points should be used for budget travel to go further or if they should be saved for luxury redemptions. Today, we each give our thoughts and opinions. 

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Hyatt has just announced their 2024 category changes and it isn't great. This is the third year in a row of devaluations. However, this deval isn't nearly as bad as it could have been and there is a silver lining. 

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"You should never expect a room upgrade and just book the room you want". We are sick and tired of hearing this line over and over again when discussing the issues with the various hotel loyalty programs. So many people think it is entitled to expect/ask for a hotel room upgrade due to elite status. We think this is a BS claim. Today we will explain our reasoning to why it is NOT entitled to expect a hotel room upgrade.

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(Using our links greatly helps support the podcast!)
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What if the bank would pay you just to keep your credit card open? This is often a reality on many premium credit cards with annual fees. If you play your cards right, you can find yourself with some bonus points or a statement credit just for keeping your credit card open for another year.

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💳Our Favorite Credit Cards: https://beacons.ai/creditcardbs (Referral Links)
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For better or worse, Marriott Bonvoy is without question the largest hotel loyalty program in the world. While controversial, there can be very interesting value that can be unlocked by playing the Marriott game right.

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💳Our Favorite Credit Cards: https://beacons.ai/creditcardbs (Referral Links)
(Using our links greatly helps support the podcast!)
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Military members have access to one of the most powerful credit card perks in the world, waived annual fees on personal cards from most major banks. This means active duty military in the United States can get amazing credit card perks without paying a penny in annual fees. Today we will discuss everything you need to know about these perks with a cadet of the United States Airforce Academy. 

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While we all love to share the best travel deals we come across, sometimes it can actually be harmful to share with too many people. If too many people share an insane deal, it can cause the deal to fail and ruin it for everyone. Today we talk about what can happen if everyone shares a deal too widely and why people get upset when exclusive deals are shared.

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💳Our Favorite Credit Cards: https://beacons.ai/creditcardbs (Referral Links)
(Using our links greatly helps support the podcast!)
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It has been far too long since Hyatt has made updates to their credit card. Recently they sent out a survey indicating that there would be a new premium World of Hyatt credit card released and we were given some hints on the possible benefits. Today, we will discuss what we hope to see from this new card and what we predict will happen.

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While the big chains of Hilton, Hyatt, Marriott, and IHG are known by all, some unknown smaller partnerships and brands can provide great value for your points. 

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When it comes to credit cards and award travel. There are countless different types of mindsets people take on. From those who think Credit Cards are bad, to cash-back lovers, to luxury travelers, there is no shortage of different styles. In today's episode, we talk with Credit Card content creator Kevin Rodriguez. Kevin has amassed over 100K followers on Instagram and focuses on Spanish language credit card and travel content. We will also discuss how we view the learning curve for the credit card and award travel space.

Kevin's Social Media Links: https://www.liinks.co/kevinrodriguez

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The Maldives is the destination of fantasy. It is the closest thing to a true paradise that exists. The sad reality is that a trip here can cost over $10,000 even on the low end. In today's episode, we share everything we know about the award travel and credit card space that you can use to travel in luxury to the Maldives at a small fraction of the retail price.

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We have seen countless Youtubers make videos about the so-called "Credit Card Ladder" or "Credit Card tier list".  We are here to tell you the credit card ladder is a myth, you can get any credit card you want without needing to follow some predefined ranking. As long as you are within the application rules for a specific issuer, you can and should focus on getting the best card for your setup. You don't need to listen to some arbitrary made up tier list. 

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The Amex Platinum is often made fun of as being a 'coupon book' of useless credits that you have to force yourself to use. While the card has become more of a coupon book in recent years, there are still some very useful credits. In today's episode, we give our own personal ranking of each and every credit of the American Express Platinum card.

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💳Our Favorite Credit Cards: https://beacons.ai/creditcardbs (Referral Links)
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Today we have a very special guest, Sam (AKA 'DuckyTheGamer'). Sam is a full-time content creator and he has amassed nearly 1 million YouTube scribers. In our conversation with Sam, we will learn about how he manages his business credit cards, his favorite redemptions, and how he got into the credit card rewards space.

Sam's YouTube Channel: https://www.youtube.com/@duckythegamer

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Today, Shaun and Sherwin battle it out in the credit card arena. Each will showcase their entire setup of credit cards and you get to vote who's setup is superior. This episode will give you insight into what makes a good longterm credit card keeper setup.

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💳Our Favorite Credit Cards: https://beacons.ai/creditcardbs (Referral Links)
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Hyatt just announced their program changes for 2024 and they are truly game-changing. After 2 years of constant hotel loyalty program devaluations, it is amazing to see Hyatt introduce changes that are actually beneficial to guests. In today's episode, we cover everything you need to know about Hyatt's changes.

📱Free Award Travel Discord Group: https://discord.gg/the-travel-lane-932731929030197249
💳Our Favorite Credit Cards: https://beacons.ai/creditcardbs (Referral Links)
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The Bilt credit card is one of the most hyped-up credit cards of the last few years. With no annual fee and the ability to earn points paying your rent, there is a lot to love. However, the card is not perfect, and far too many people get stuck in the "I want to earn points on rent so I must get the Bilt card" mindset trap. 

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Everyone always says "You should never buy airline/hotel points" but fail to realize that almost everyone is already buying these points. Anytime you choose to redeem your points for travel instead of cashback, you are effectively still buying these points, just at a different price. So the question is not, "Should you buy points?", but rather "When should you buy points?" 

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If you had to assemble a team of the best credit cards possible, what cards would you pick? Today, we are answering that question by playing a round of a credit card fantasy draft. Our goal is to form the best possible roster of keeper credit cards we can.

📱Free Award Travel Discord Group: https://discord.gg/the-travel-lane-932731929030197249
💳Our Favorite Credit Cards: https://beacons.ai/creditcardbs (Referral Links)
(Using our links greatly helps support the podcast!)
📰Join the Travel Lane Elite Newsletter: https://the-travel-lane.ck.page/signup