Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani | Tariq Gaines from Riq’s Rewards | RJ from Do You Take Cards
Viewer Questions
If you woke up on January 1st, 2026 and was gifted one status via a hotel or airline program what would status would you request? And @ RJ , why wouldn’t you request Globalist? - Keith
What is your favorite Hilton credit card? What's the best way to get 1 million Hilton points? - M2K
The Hilton Aspire card offers a Free Night Certificate on your card anniversary date. This certificate becomes available 8-10 weeks after your anniversary and expires one year from issuance. Considering that Hilton releases room availability exactly 365 days in advance (when award availability is typically best), what time of year would you choose for your card anniversary date to maximize the value for your personal travel schedule? - JP
Assume you're keeping the card long-term, your annual fee timing works with your budget, and there are no special sign-up bonuses to consider.
Do you ever foresee the big three domestic carriers implementing (international style) business class on shorter domestic flights and if they did, would you have any interest in flying them? (categorizing short domestic flight it’s anything under five hours.) K1d_Cat37
I recently was looking through all of the cards I signed up for in 2024 between me and my P2 and every card is either being product changed or canceled except for one (ironically, the much-maligned Bilt). Do you do any kind of similar analysis and what have you changed about your card acquisition over the years to make sure you're getting things that provide value? - Jason
Topics
Matt
Thinking on the AmEx Zync card we talked about, would you pay a fee (Monthly or Annual) to add multipliers to a card instead of just applying for SUBs; this would potentially be in addition to any annual fee you currently pay or turn a No Annual Fee card into a card with an optional fee.
Lani
We talk a lot about credits we use, but what about the ones we lose? Do you have any credits which which you just let die?
Tariq
We’ve seen recent pushes to cap credit card interest rates in Washington D.C. I’m curious to see what you all think about the effects of the points and miles game if that were to happen.
RJ
How do you handle SUBs? Do you put that one card for EVERYTHING for a month or five to hit the magic number? Do you wait until you have a major buy? Do you use it as you plan to typically use that card (Gas card or supermarket card or what have you) and just do the math to make sure you hit?
