✦ Free 30-Minute Strategy Call

Your credit card points are worth more than you think.
Let me prove it.

Most people (including business owners running serious spend through their cards) redeem their points at 25 to 40% of their actual value. In one free call, Ross shows you exactly where you're leaving value on the table and what to do about it.

See how it works →

$45K+ Travel unlocked

37 Countries visited

60+ Trips booked with points

7 yrs Points expertise

Free Call · Zero Risk

Let Points Cover Your Next Trip!

Based on an average client with moderate spending:

Sign-up bonus value ~$1,000

Better redemption path +60% value

Identified missed perks ~$200

Estimated value found $1,200 to $2,000

Get Your Free Personalized Points Strategy

The Problem

Most people are getting a fraction of what their points are actually worth

Banks profit when you don’t know better — and if you run a business, you’re likely leaving even more on the table. Here’s what that typically looks like:

✗

Redeeming for cash-back or gift cards

These are almost always the worst redemptions, often 40-60% below what your points are actually worth.
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Holding the wrong card for your spending

A personal card earning 1x on groceries — or a debit card earning nothing on $200K/yr of business expenses — when 4x is a single application away.
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Points expiring unused

Points don't compound. If you're not moving toward a redemption, you're losing value.
✗

Not knowing which transfer partners to use

Chase, Amex, Capital One, and Bilt points can be worth 2–5× more when transferred to the right airline partner.

Here's what working with Ross looks like

You get a clear, personalized action plan. No jargon, nothing generic. Just the moves that make the most sense for your specific situation, goals, and travel style.

1 Audit your current cards, points balances, and spending patterns
2 Identify every dollar you're leaving on the table right now
3 Map out the exact cards and redemption strategy for your travel goals
4 Leave with a custom slide deck action plan you keep forever
5 Optional: Ross can do the research and booking work for you

Flying 1st class on Emirates

Chichen Itza

Asiana business class, Seoul

Hyatt Globalist, Prague

Family holiday, Salzburg

Golden Gai, Tokyo

Family trip, Prague

Ice climbing, Turin

Flying 1st class on Emirates

Chichen Itza

Asiana business class, Seoul

Hyatt Globalist, Prague

Family holiday, Salzburg

Golden Gai, Tokyo

Family trip, Prague

Ice climbing, Turin

37 countries
visited

About Ross

A genuine traveler who figured out the points game — and wants to share it with you

Hi, I'm Ross Bradley. For over 7 years I've obsessively optimized credit card points, earning more than $45,000 in travel for my family — first class on Emirates, business class across Asia and Europe, trips we'd never have been able to afford otherwise. The same playbook works for families and for business owners who put serious volume through their cards.

I genuinely geek out on this stuff. Friends started asking for my points strategy advice years ago, and eventually I made it official. The goal is simple: get you on real trips, sooner than you thought possible.

You'll get a clear, prioritized path forward based on your situation, your spending, and your travel goals — nothing held back. Whether you want to learn the system yourself or have me handle the research and booking for you, you'll leave knowing exactly what to do next.

✈️

Emirates First Class

Booked entirely with points

🏯

Free Stays in Japan

Free nights & upgrades, Kyoto & Tokyo

👨‍👩‍👧‍👦

Family Trips Covered

Salzburg, Prague & more

🎁

Booked Friends' Flights

Free, using surplus points

How Ross Works

Here's how all of this actually works

If you're going to trust someone with your card strategy (especially if you're running a business, where the dollar amounts get bigger), it's only fair that you know how this works first.

I get paid even when you don't apply

My fee is for the strategy work, not the referral commission. If the best card for your situation is one I have no link for, that's still the card I'll recommend.

✓

Bank-agnostic by design

Chase, Amex, Capital One, Bilt, Citi, Wells. Every issuer has trade-offs, and I work across all of them. You walk away with whatever card actually fits your spending.

What I'm not

I'm not a CPA, financial advisor, or attorney. For anything tax or accounting-related on business spend, I'll happily defer to your CPA. Points strategy is what I do.

Yes, quite a bit different. Business owners have access to a separate stack of cards (Chase Ink, Amex Business Gold and Platinum, Capital One Spark, and others) that don't count against personal card limits, often carry stronger sign-up bonuses, and earn 4 to 5 points per dollar on the exact categories you're already spending on (advertising, software, shipping, travel). For a business owner running around $100K/yr through their cards, a thoughtful setup typically finds $4,000 to $7,000 in year-one travel value, compared to roughly $1,200 to $2,000 for a consumer with moderate spending.

Strategy first, links second. I'll show you the right card for your situation whether I have a referral link for it or not. When I do have a link and the card is genuinely the right fit, I'll always pick the version that gives you the strongest sign-up bonus, even when that means a smaller commission for me. (Full affiliate disclosure on every card page, nothing hidden.)

Each application is a hard pull, which usually causes a small temporary dip of 5 to 10 points that recovers within a few months. Over time, a smart card strategy actually tends to improve your average account age and total available credit. We'll talk about your timeline on the call. If you're planning to apply for a mortgage in the next 6 months, the plan looks different. Also worth knowing: business cards typically don't even report to your personal credit report.

You probably still qualify. Side hustles, freelance income, Etsy shops, rental property income, even consistent reselling all count as a business in the eyes of card issuers. We'll talk through what you can legitimately apply for under Schedule C or sole proprietor status during the call. No LLC required.

30 minutes, no pitch. We'll talk through your current cards, points balances, spend categories, and what kind of trips you'd love to take. I'll flag the 1 or 2 biggest opportunities I see and give you a clear next step. If a deeper paid engagement makes sense, I'll say so. If not, I'll say that too.

My specialty is US-issued cards (Chase, Amex, Capital One, Citi, Bilt, and others). If you have a US address and an SSN or ITIN, we're good to go. International card programs aren't my area of expertise, and I'd rather tell you that upfront than wing it.

Services

Choose how you want to work together

Whether you want to learn the system, get a personalized audit, or have me hunt down award flights for your dream trip — there's a path that fits.

Coaching Sessions

$35/hr

Regular price $70/hr

Intro pricing · First 5 clients

✓Learn the full points system yourself
✓Distilled frameworks from 7 years of learning
✓Everything shared, nothing held back
✓Ongoing support as your situation evolves
✓Flexible scheduling & pace

Get in Touch

Ross's personally vetted card picks

Any referral link I share will always maximize your points, not mine! Your success is my success.

No Annual Fee

Chase Freedom Unlimited

Apply ↗

Best Starter Card

Chase Sapphire Preferred

Apply ↗

Premium Pick

Capital One Venture X

Apply ↗

Best Starter Business Card

Chase Ink Biz Unlimited

Apply ↗

Affiliate disclosure: Ross may be compensated for referral links at no cost to you. He will never recommend a card that isn't in your genuine best interest. Credit card offers are provided by issuing banks and may change, so always review terms on the issuer's page before applying.

★★★★★

"On our first 30 minute call, he gave my husband and me some amazing advice about our card benefits. We quickly transitioned to one of the cards he suggested and have now earned 175,000 Chase UR points, easily worth more than $2,000 in travel for our family!"

Sharon & Tony

$2,000+ found in one session

"Ross's approach is refreshingly unbiased and backed by real expertise. He helped me identify the best credit cards for my situation and showed how those changes could save me well over a thousand dollars."

Pat

Cards optimized for his situation

"Ross helped me find and book a wonderful deal to fly from Charlotte to London in AA business class! I enthusiastically recommend Ross, with respect and appreciation for his patience, intelligence, and expertise."

Dawn

Business class to London

"I often used my points for sub-optimal value, leaving money on the table. Ross has it down to a science — if I'm planning a trip or considering a new card, Ross is my go-to before I make any credit card points related decision."

Xavier

Ongoing points strategy client

"You'll walk away with actionable next steps and a presentation you can reference going forward. Ross is extremely knowledgeable and provides deep insight into the nuances of credit card points."

Phillip

Custom action plan delivered

"I didn't want to spend a ton of time on it or know where to start. Ross was a huge help in building a game plan that worked for me and made a big boost to my points potential without requiring a ton of new cards."

Daniel

Simple, high-leverage plan

"Ross took great care to understand our goals and our financial strategy in order to provide a personalized and meaningful path to maximize credit card benefits."

Bob

Delta Reserve upgrade

"Ross is very knowledgeable and presents his information in a clear, easy-to-understand way. I would recommend Ross to anyone who is interested in earning points and learning more about travel."

Teresa

Clear, practical guidance

"Ross is a super knowledgeable and experienced travel hacker! He was well prepared, concise, and yet thorough during our consultation call. I highly recommend meeting with him."

Jeremy

Points strategy consultation

Your credit card points are worth more than you think.
Let me prove it.

Let Points Cover Your Next Trip!

Most people are getting a fraction of what their points are actually worth

Redeeming for cash-back or gift cards

Holding the wrong card for your spending

Points expiring unused

Not knowing which transfer partners to use

Here's what working with Ross looks like

A genuine traveler who figured out the points game — and wants to share it with you

Here's how all of this actually works

I get paid even when you don't apply

Bank-agnostic by design

What I'm not

Choose how you want to work together

Ross's personally vetted card picks

From the CardWise newsletter

Have a question? Just reach out.

Let Points Cover Your Next Trip.

Your credit card points are worth more than you think.Let me prove it.

Let Points Cover Your Next Trip!

Most people are getting a fraction of what their points are actually worth

Redeeming for cash-back or gift cards

Holding the wrong card for your spending

Points expiring unused

Not knowing which transfer partners to use

Here's what working with Ross looks like

A genuine traveler who figured out the points game — and wants to share it with you

Real people, real results

Here's how all of this actually works

I get paid even when you don't apply

Bank-agnostic by design

What I'm not

Choose how you want to work together

Ross's personally vetted card picks

From the CardWise newsletter

Have a question? Just reach out.

Let Points Cover Your Next Trip.

Your credit card points are worth more than you think.
Let me prove it.