This remains the Golden Age of loyalty programs, credit cards, and bank bonuses.  If you have a good credit score, you can make it work for you – just like I made it work for me.

After graduating college in 2005, I quickly became indoctrinated into the belief  that credit card and loyalty programs can deliver outsized returns on a very small investment.  In the more than decade that followed, I spent countless hours researching every facet of loyalty programs and credit card awards.  Along the way, I accumulated  and redeemed over five million points and miles.  I’ve redeemed miles for international first class seats on ten airlines, redeemed points for free stays at $1,000/night hotel rooms, and redeemed over $20,000 in credit card cash back and bank bonuses.  And most rewarding, I’ve helped my friends and family by sharing with them the knowledge I spent thousands of hours accumulating.  Everyday I research the newest developments and the best deals in the industry, and I am eager to share them with you.

Lead image – Daintree Rainforest, Carins, Australia; February 2015