That’s a popular one! You’ll see lots of sites recommend cards after asking a few questions, but often, they have partnerships with banks, so it’s hard to know if it’s truly the best fit for you. We don’t have those ties. The referral links on our Cards & Resources page are the same links available to anyone that has that card.

The truth is, there’s no single “best” card. It’s really about your personal travel goals and spending habits. We actually recommend using multiple cards for maximum points. If you want a personalized plan to optimize your rewards, reach out to us on our Services page!

That’s a good question, and a lot of folks ask it! You’ll see a bunch of sites listing “best cards,” but you know, they usually have partnerships with the banks, so they might not be giving you the full picture. We don’t have those kinds of deals. The links on our Cards & Resources page are the same standard referral links that anyone with those cards can use. 

Really, the best card for you depends on how you spend your money. Some people want a flat percentage back on everything, and others want extra cash back on things like groceries or gas. Actually, using a couple of different cards can often get you the most cash back overall. If you want some help figuring out the best setup for your spending, just check out our Services page.

Absolutely! If you own a business, those cards can be a real game-changer. They’re a great way to boost what you’re already getting with your personal cards.  When we chat during a consultation, we can definitely talk about your goals and throw in some business card recommendations that might be a good fit for you.

For most people, neither! The real magic is in transferable credit card points. Think of them as the “choose your own adventure” of travel rewards. Banks partner with tons of airlines and hotels, so your points aren’t locked into just one program. This gives you way more flexibility to snag the best deal! Want to learn how to make this work for your travel goals? Let’s chat! Schedule a quick call or consultation on our Services page.

Cash back cards give you literal cash back - money in your pocket. Travel rewards cards give you points or miles you can use for flights, hotels, and more. Think of it like this: Cash back is like getting a discount on groceries, travel rewards are like getting a free vacation! Which one is better depends on your goals. Want help figuring out which fits your lifestyle? Book a consult on our Services page, and we can map it out!

It’s a mix! Short term, your score might dip a little - think a few points - because of the hard inquiries. But, long term, if you manage them well, it can actually help your score. More available credit, lower utilization - good stuff. Just remember to always pay your credit card off in full every month to avoid interest charges. Worried about the details? Let’s break down your specific situation. Schedule a quick chat on our Services page!