How do you handle conflicts of interest with affiliate links?

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.

Will opening new cards hurt my credit score?

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 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.

What if I don't have an LLC or formal business?

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.

What does the free call cover?

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.

✦ Let's get you into business class on points

You might already have enough points to fly business class.
Let's find out.

Most people let their points sit idle, or redeem them at 25–40% of what they're worth. One free call shows you exactly what your points will get you and the fastest path to using them for a lie-flat seat you'd never consider paying cash for.

See how it works →

My Stats (more below)

$55K+ Travel unlocked

37 Countries visited

60+ Trips booked with points

8 yrs Points expertise

Your Free Personalized Points Strategy Is Worth…

Based on an average client with moderate spending:

Sign-up bonus value ~$1,000

Better redemption paths +50% value

Identified missed perks ~$300

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

Let Points Cover My Next Trip →

The Problem

Most people are getting a fraction of what their points are 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:

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Redeeming for cash-back or gift cards
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Using the wrong card for your spending
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Hoarding points or letting them expire unused
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Not knowing how to use transfer partners

Here's what I will do for you

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: I can do the research and booking work for you

Curious how many points that takes? See typical costs by region →

Flying Emirates first class booked entirely with credit card points

Flying 1st class on Emirates

Chichen Itza

Asiana Airlines business class from Seoul

Asiana business class, Seoul

Hyatt Globalist breakfast in Prague. Our hotel stay covered with Chase points that were transferred to Hyatt

Hyatt Globalist, Prague

Family trip to Salzburg covered with Chase Ultimate Rewards points

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 world traveler who figured out the points game, and wants to help you travel with your points!

Clients walk away from even a free intro call knowing how to unlock more than $1,500 in travel value, and what to do first, from a strategic standpoint. And the Comprehensive Cards and Points Strategy Audit can easily result in $5K–$25K in discounted travel, not just once, but year over year!

That's the goal. Here's who's behind it.

I'm Ross Bradley. For over 8 years I've obsessively optimized credit card points (my wife would drop the word "obsessively" and go straight to "excessively"), earning more than $55,000 in travel for my own family: first class on Emirates, business class across Asia and Europe, an anniversary trip to a luxury $1K/night hotel in Mexico. These are all trips we'd never have afforded otherwise. Friends kept asking how I did it, and now I've made it official.

Whether you want to learn the system yourself or have me handle the research and booking for you, you'll leave knowing clear and practical next steps to move closer to traveling the world through points.

See what working with a credit card points consultant looks like →

✈️

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

🛋️

World-Class Lounges

Qatar Airways & Turkish Airlines

🥂

Luxury Suite in Mexico

$1K/night anniversary trip, on points

FAQ

Here's how all of this works

Fair questions before trusting someone with your card strategy.

✓

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 fits your spending.

What I'm not

Although I'm not a CPA, financial advisor, or attorney, I take the whole picture into account when giving recommendations and points strategy.

We'll cover your current cards, points balances, spending, and travel goals. I'll flag the 1 or 2 biggest opportunities and give you a clear next step. If a paid service makes sense, I'll say so. If not, I'll say that too.

Strategy first, links second. I'll recommend the right card whether I have a referral link or not. When I do have one, I'll always pick the version that gives you the strongest bonus, even if it means a smaller commission for me. Full affiliate disclosure on every card page.

Each application is a hard pull, usually a temporary dip of 5 to 10 points that recovers within a few months. Over time, a smart strategy tends to improve your credit. If you're buying a home in the next 6 months, we'll factor that in. Business cards typically don't report to your personal credit report at all.

The strategy is the same, but with lots more upside in value for you! Business cards don't count against personal card limits and often carry stronger sign-up bonuses. For a business running $100K/yr through cards, a smart setup typically finds $4,000 to $7,000 in year-one travel value.

You probably still qualify. Side hustles, freelance income, Etsy shops, rental properties, even consistent reselling all count. No LLC required. Sole proprietor status is enough, and we'll talk through exactly what you can legitimately apply for.

Those are great resources. The difference is personalization. General advice can't tell you what your 180,000 Chase points are worth given your specific travel goals, card stack, and upcoming spend. That's what the free call does.

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.

Coming soon: The Business Class Guarantee. You get ticketed for business or first class within 90 days (with some conditions to make it a win-win for both of us), or receive all your money back. Join the waitlist via a free intro call below.

You can absolutely learn to do all of this yourself for free. Some people love the hunt. But the programs, transfer partners, and award charts change constantly, and staying on top of it takes real time. If you'd rather not make it a second hobby, I can either do it for you, or teach you the exact system so you're not starting from scratch.

Done-For-You Award Flight Search

Already found for you. You just book it. I search across your points and hand you 2 to 3 ready-to-book options within 72 hours: exact point costs, taxes, and the steps to book. No new skill required.

Clients typically find $2,000–$5,000+ in business class flight value.

Economy starts at $147

✓5-minute intake form, no call needed
✓2–3 real award options in your inbox within 72 hours
✓Exact point costs + cash value for each option
✓Step-by-step booking instructions included
✓$75 credit toward the Comprehensive Cards and Points Strategy Audit if you book within 90 days

Find My Flight!

My 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 (typically worth $2,500)! 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. ... Thanks to Ross's tips, I got an alert today and saved almost $100, and got a better departure time!"

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

You might already have enough points to fly business class.
Let's find out.

Your Free Personalized Points Strategy Is Worth…